Photographs “COPY” Save this picture!© Daisuke Shima – ad hoc inc+ 22 Share Japan Mask House / CAPD Projects Manufacturers: Daiko, Lixil Corporation, Toto, AcorSave this picture!© Daisuke Shima – ad hoc incText description provided by the architects. The site is along the small river, crossing the bridge from the road. It is a unique site with a wild taste that distinguishes the site which is neatly divided like a housing complex. It is not summarized in white or black, and the brick and the terrace are used to harmonize with a unique site by using a rustic H-type steel, and it finished in the stately building as if it had been there for a long time.Save this picture!© Daisuke Shima – ad hoc incThe terrace along the waterway is made by floating the floor with H-type steel, and the boundary with the site is vague and the surrounding environment is taken.Save this picture!© Daisuke Shima – ad hoc incIt is a plan which opens greatly to the east with the river, and can migrate mainly in the courtyard. Enough sunlight can be secured from the morning until the day leans, and there are few losses of the movement line. In addition, in contact with the next storage, it was put out in the corridor of the West, which was originally scheduled to not set the opening for heat barrier, to eliminate the dead space of the room facing the courtyard, devised to be able to utilize the three surfaces of the wall to the fullest.Save this picture!© Daisuke Shima – ad hoc incSave this picture!Ground Floor PlanSave this picture!© Daisuke Shima – ad hoc incProject gallerySee allShow lessExperience Architecture from Around the World with Architectural AdventuresArticlesA Tour Through the Many Doorways of IndiaArticles Share CopyAbout this officeCAPDOfficeFollowProductsGlassSteelBrick#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesJapanPublished on July 31, 2017Cite: “Mask House / CAPD” 30 Jul 2017. ArchDaily. Accessed 11 Jun 2021.
Previous: Fed Remains Stagnant Next: Ellie Mae Announces 2018 Conference, Hall of Fame, Innovation Awards September 20, 2017 2,381 Views About Author: Ken Viviano Tagged with: Credit Reports Data Provider Black Knight to Acquire Top of Mind 2 days ago Mortgage lenders rely on liens and judgments records to assess a borrower’s creditworthiness and capacity for repayment. For decades, they obtained this information in credit reports during the application process. But as of July 1 this year, the Nationwide Credit Reporting Agencies (NCRAs)— Equifax, Experian, and TransUnion—began removing a large segment of the data from their reporting due to unmet identity verification standards per the National Consumer Assistance Plan (NCAP).In an effort to reduce instances of records being matched to the wrong individuals, the NCAP states that public records used in credit reports must possess at least three of the following: name, address, Social Security number, or birthdate. According to a whitepaper titled “Linking Liens and Civil Judgments Data” by LexisNexis® Risk Solutions, “Approximately 50 percent of tax lien records and approximately 96 percent of civil judgment records do not contain a [Social Security number]” nor do they meet the minimum requirements. Therefore, the NCRAs will no longer provide the data.The resulting gap has many lenders worried that they will no longer have a complete picture of an applicant’s risk. Further, many secondary mortgage market investors including the government-sponsored enterprises (GSEs) have not changed their underwriting policies and still require all items be disclosed and resolved before closing.While the NCRAs will no longer provide a full report on liens and judgments, there are other opportunities in the lending lifecycle to obtain this information. However, the associated costs and risks will vary depending on when lenders choose to access the data.Title SearchLiens and judgments tied to the property in question will appear in a title search after underwriting. However, by this time, the loan has already been approved with a set closing date, making this a costly and high-risk option. If a record is found, underwriters must contact the borrower to resolve it and rework the loan. If the issue is more complicated, it can cause a closing delay, which creates a negative consumer experience and hurts a lender’s ability to retain business. Should the loan fall through, it would be a significant loss for the lender, having already invested around 45 days and, according to a report by the Mortgage Bankers Association (MBA), up to $7,209 in expenses.Soft Credit PullsAfter a loan has been approved, lenders may do a soft credit pull to see if there are any changes or cause for concern with the borrower, such as large purchases or late payments. These reports can include liens and judgments. But you can only do a soft pull during underwriting, pre-closing, and post-closing. Like the title search, this may be too late in the process to identify something without the risk of heavy costs and disrupting the path to closing.Liens and Judgments ReportsLiens and judgments reports are available for continued access to the data in credit reporting. These can be provided as a supplemental report, which will require additional steps and staff retraining, or as an integrated option that fits seamlessly into the lenders’ credit reporting solution, allowing them to maintain their existing credit review process. With the information available from the onset, lenders can proactively resolve any items before loan approval, thereby minimizing the risks in moving the borrower forward and ensuring a streamlined process. These reports do come with a minimal fee, but the benefits of having the information up front greatly outweigh the costs of an unexpected item appearing at the end of the process.These reports can overcome the matching challenges that led to the credit report content change by using data that is compliant with the Fair Credit Reporting Act (FCRA). FCRA-compliant data has met stringent accuracy guidelines to link public records to the correct consumer so it can be used in underwriting and credit decisions. Lenders can further corroborate the data through a verification service like DataVerify, which compares information on a borrower across multiple data sources to validate supplied data and alert to variances.While the removal of liens and judgments from credit reports has been a cause for concern, mortgage lenders can be assured that the data hasn’t disappeared. There are options available to access the records throughout the loan process. But it is up to each lender to determine how much risk they are willing to take and whether they will obtain the information up front during application or further into the loan process near closing. Credit Reports 2017-09-20 Ken Viviano The Best Markets For Residential Property Investors 2 days ago The Best Markets For Residential Property Investors 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago Share Save The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe in Daily Dose, Featured, Foreclosure, Headlines, News, Technology Print This Post Liens and Judgments Data: Not Gone for Good Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / Liens and Judgments Data: Not Gone for Good Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Demand Propels Home Prices Upward 2 days ago
Dark Star Orchestra have revealed plans for their fifth annual Jam In The Sand, returning to the all-inclusive Jewel Paradise Cove Resort in Runaway Bay, Jamaica, January 18-22, 2018. While the days are open to the beach and enjoying everything the resort has to offer, the nights are reserved under the stars with Dark Star Orchestra, along with very special guests Hot Tuna and Rumpke Mountain Boys. The Grateful Dead tribute band will perform two-set shows on each of the four consecutive nights, while the rest of the lineup will perform three shows. Expect several collaborations across the board!Packages for Jam In The Sand include four nights at the Jewel Paradise Cove Resort, which includes luxurious accommodations from guest rooms to butler-service suites; all meals and snacks at 6 restaurants; unlimited Premium Drinks at 6 bars; daily Activities and Entertainment; enhanced water sports activities center featuring sunset cruises, glass-bottom boat tours, reef snorkeling excursions; Hobie Cat and non-motorized water sports; complimentary green fees at the (18) hole championship Runaway Bay Golf Club; complimentary WIFI resort-wide; weekly; dive-in Movies; fitness center training and a myriad of classes, a Paracourse (Fit Trail®) that spans the entire property with strategically placed workout stations; airport transfers from Montego Bay Sangster International Airport, along with all the music you could possible want. All information can be found here.Returning Jam In The Sand-ers are open to Pre-Sale tickets, which begin Monday May 22 at 10AM EST right here. Public On-Sale begins on Wednesday, May 24 at 10AM EST here.[photo by Suzy Perler on Jam In The Sand website]