Print This Post Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, News, Print Features Previous: Ginnie Mae To Begin Accepting Digital Collateral Next: The Week Ahead: Webinar on Homeownership Among Stressed Communities Home / Daily Dose / Post-Moratorium Planning Begins Now About Author: Allen Price What Servicers Need to DoRight now, servicers should be preparing for ongoing uncertainty in a post-moratorium world, where the only certainty is that call volumes will increase substantially. That’s why, from a policy and operations standpoint, the first thing servicers should be doing is ensuring they have maximized all possible communication channels borrowers are likely to use.This includes providing assistance through the servicer’s website and providing borrowers with access to their accounts regardless of their preferred method of communication. For example, while providing borrowers with self-service help on a servicer’s website is important, so is a well-defined inbound call strategy. Many older borrowers do not prefer using the internet to get assistance on their mortgage, while other borrowers may find themselves without internet access for any period of time because of their financial challenges. This means servicers should have an inbound call strategy that limits the amount of time borrowers spend on hold before speaking with someone. It may also mean leveraging interactive voice response (IVR) technology that is able to gather information from borrowers when a representative isn’t available.Another tool servicers should consider are mobile apps, which have proven to be incredibly valuable during recent natural disasters. Such apps are able to push out notifications to borrowers and remind them to reach out if they are having trouble making payments. They can also be useful for sharing important information about the pandemic and other emergency resources that may be available to those in need. One of the more inexpensive channels for helping borrowers—and also one of the most overlooked—is social media, which also played a crucial role in staying engaged with borrowers during previous crises. Social media can be a powerful aid for letting borrowers know about all the options that exist that may keep them in their homes, such as payment moratoriums, mortgage forbearance, and financial assistance being provided through the federal government or housing agencies.Internally, there are plenty servicers can do to improve their behind-the-scenes operations while minimizing costs. For example, AI, machine-learning tools, and automation can help detect borrowers who may be experiencing trouble making payments before they contact the servicer to help. By automatically tracking anomalies in a borrower’s payments, servicers with the right system in place can proactively reach out to the borrower and help keep them in their homes. Automation and similar tools are equally useful at accelerating the process of determining which options to offer individual borrowers.After the moratoriums end, if a borrower’s finances are still strained and they are in danger of missing payments, time will be of the essence. In some cases, automated servicing technologies have been shown to double a company’s decision-making speed, allowing them to help borrowers save precious time when choosing the best path forward. Subscribe Demand Propels Home Prices Upward 2 days ago Share Save Demand Propels Home Prices Upward 2 days ago 2020-07-17 Mike Albanese July 17, 2020 1,841 Views Why it’s Important to Act NowWhile the moratorium gives borrowers a breather from making payments, it will not solve their financial issues if they are unable to work for an extended period of time long after the pandemic ends. That’s why it’s crucial for servicers to start preparing now for the wave of delinquencies and defaults that are surely to come over the next year. The good news is that some of the same technologies I mentioned earlier can also be leveraged to control costs and more efficiently deploy teams on borrowers who need assistance the most. At the same time, however, many servicers aren’t able to build such systems themselves, or they must rely on their servicing technology vendors for help.And many legacy servicing platforms have not updated their systems for years and are unable to scale to meet the type of volume increases servicers will likely see in the months ahead. For servicers that find themselves lacking the tools and resources they’ll need to handle future volume, the best bet may be partnering with a specialty servicer that has experience in disaster planning and also continues to invest in its technology to help servicers achieve better performance. Such a partner can offer servicers almost complete scalability while enabling them to act nimbly and flexibly to meet changing conditions. The best specialty servicers are those that have the technology in place to anticipate potential delinquencies before they happen. They are also capable of managing assets from cradle to grave. Ideally, however, a servicing partner should also be able to “decouple” its services and provide certain services on an a la carte basis. This gives servicers and investors the freedom to manage loans at certain stages of delinquency themselves, should they need to do so.To be sure, there are certainly lessons which can be drawn from recent natural disasters. But the servicing industry has never faced a crisis of this breadth and magnitude before, nor has it dealt with the shutting down of normal day-to-day life on the scale that is happening today. Hopefully, by the time this article is published, the U.S. will have flattened the curve on the deadly coronavirus and the economy will be on the road to recovery. However, it’s vitally important for servicers to view the foreclosure moratorium as an opportunity to work with borrowers in helping them manage through an unprecedented and critical time, and with the ultimate goal to keep homeowners in their homes. Allen Price is an SVP at BSI Financial, a provider of mortgage servicing and special servicing, loan quality control, REO and asset management services, and life-of-loan performance reporting using advanced data analytics tools. Price has 20 years’ mortgage servicing and capital markets experience and has held executive positions at RoundPoint Financial Group, ServiceLink, NationStar Mortgage, and Bank of America. Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Taking InventoryOn March 18, the federal government ordered a moratorium on foreclosures and evictions and put out the word to borrowers to contact their servicers about forbearance options on their loans. The FHA, HUD, the USDA, and Fannie Mae and Freddie Mac also announced similar freezes. Some banks have also announced their payment moratoriums, some as long as 120 days, while others have suspended payments for certain borrowers.These steps are necessary to ensure millions of Americans who are facing job layoffs as a result of the pandemic are able to stay in their homes. At some point, however, the relief will end, and it will most likely end before many borrowers have fully recovered financially. When that happens, servicers will need to be ready to handle a surge in requests from borrowers needing help. Increased call volumes should last for some time, too.According to a February 2020 CoreLogic report, mortgage delinquencies caused by the wave of catastrophic weather events that took place in 2019 are not expected to return to normal for 12 months or more. In the case of a much longer, sustained disaster like the pandemic, the impact on borrowers could last much longer as well. Over the coming months and years, the spotlight will be pointed at mortgage servicers. Questions will be asked about how prepared they were to help delinquent borrowers, as well as how well they performed in their objectives. The reality is that many weren’t prepared. While it’s fair to say that no one was prepared for a disaster of this magnitude, many servicers were ill-prepared to handle volumes brought on by near-term natural disasters, which now seem minor in comparison to the pandemic.Over the past several years, Mother Nature has exposed weaknesses among servicers and their capacity for managing large waves of borrowers in crisis. This happened despite the fact that servicers had plenty of opportunities to invest in technology and improve the customer experience in prior years. But there is always an opportunity to do better, even amid today’s crisis. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Post-Moratorium Planning Begins Now This story originally appeared in the July edition of DS News.For mortgage servicers, the challenges never seem to end. After several years of wildfires, tornados, hurricanes, floods, and other natural disasters, a new disaster has come along to top them all. And the worst part is that no one knows with certainty when the pandemic or its impact on the economy will end. What we do know is that a wave of delinquencies and defaults is almost certainly on its way.While there are multiple foreclosure moratoriums in place to prevent Americans from losing their homes during the crisis, it’s likely that many will continue to struggle financially when they end. Which means servicers should be preparing now for what happens when the smoke clears.
Home » News » Housing Market » Moving on! 6,500 moves expected on Friday 30th August previous nextHousing MarketMoving on! 6,500 moves expected on Friday 30th AugustResearch by The Homeowners Alliance based on figures from the Government’s English Housing Survey, say it is this year’s most popular day to move.Sheila Manchester25th July 20190512 Views Estate agents already know that the last Friday of the month is the most popular day to move, but also the removal companies’ nightmare – but also, presumably, their best earner – the most popular day to move home this year will be Friday 30th August, according to analysis by The HomeOwners Alliance using data by reallymoving.Based on figures from the English Housing survey, there were 625,000 owner-occupier moves in England in 2016-2017 or approximately 1,700 moves per day. On the most popular day of the year, 3.8 times this level (approximately 6,500 moves) are expected. Looking at the most popular month and days to move, this translates into 75,000 homeowners moving in the month of August, alone and 175,000 homeowners moving on Fridays over the course of the year.Paula Higgins, Chief Executive, The HomeOwners Alliance, says, “Many homeowners like to move during the school summer holidays so their children can settle down in time for the new academic year, the start of September across most of the UK.“It may appear sensible to move on a Friday, so you have time to unpack and settle in over the weekend before heading back to work, but we advise people to be exceptionally careful if they move on a Friday. On this particular Friday, 30th August, with even more moves expected to be happening than usual, it’s paramount that people are as organised as possible.“Of course delays can occur at any time, but issues with transfers of funds are more likely to happen on a Friday when banks, conveyancers and removal firms are stretched to the limit as it’s the time when most housing deals tend to complete. On the last Friday of the month bank money transfers can get overloaded and it’s peak time for conveyancing fraud. If there are delays in transferring funds, you may have to spend the weekend in a hotel or on friends’ and families’ sofa.”Rob Houghton, CEO of reallymoving, added, “Moving on the busiest day of the year isn’t for the faint-hearted, especially with the August bank holiday also happening that week, pushing more moves onto the remaining four days. Ensure your solicitor and everyone in the chain knows you’re working towards that date and book your removals firm well in advance, so you only need to confirm as soon as you exchange. It’s best to ask them to come to your house to assess the volume of your belongings. This ensures you have the right sized van and number of team members on the day of your move.”STATSThe estimated number of moves on the busiest day, month and Fridays over the year are calculated using the % of moves expected on each of these days x the number of owner-occupier moves recorded by the English Housing Survey in 2016-2017 (625,000 moves) Source: English Housing Survey household type of recent moversAverage moves per day = 625,000 moves per year/ 365 days = 1,712 moves per dayBusiest day of year 1.4% of movers choose this day x 625,000 moves = 6,500 movesBusiest day is 3.8 times busier than an average day 6,500/1,700 = 3.8Busiest month of year 12% of movers choose August x 625,000 moves = 75,000 movesBusiest day of the year 28% of movers choose Friday x 625,000 moves = 175,000 movesmost popular day to move The Homeowners’ Alliance reallymoving rob houghton Paula Higgins Sheila Manchester July 25, 2019The NegotiatorWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021
View post tag: News by topic View post tag: drops Back to overview,Home naval-today USS Chosin Drops Anchor in Newcastle ahead of Fleet Review USS Chosin Drops Anchor in Newcastle ahead of Fleet Review View post tag: Newcastle View post tag: Anchor View post tag: USS View post tag: Chosin September 26, 2013 View post tag: Defense View post tag: review Forward-deployed Ticonderoga-class cruiser USS Chosin (CG 65) arrived in Newcastle, Australia for a port visit, Sept. 25.“It is an honor to be afforded the opportunity to represent the United States Navy in a contingent of over twenty international warships that will join the Royal Australian Navy in one of the their most significant commemorative events in 100 years,” said Capt. Patrick Kelly, commanding officer of Chosin. “I am especially excited for Chosin’s Sailors, as this will be for many, a once in lifetime experience.”While in Newcastle, Sailors will be preparing for the International Fleet Review to be held in Sydney, Australia Oct. 3-11. The event will commemorate the 100th anniversary of the entry of the Royal Australian Navy’s Fleet into Sydney.As part of the event, Chosin will be participating in a number of multilateral-fleet-training exercises to be conducted along the coast of Australia. Additional festivities will include a combined navies parade, public ship tours and a pyrotechnic display and lightshow. “I think this will be the highlight of deployment thus far, and I’m looking forward to the chance to learn about foreign navies,” said Fire Controlman 1st Class, Kermit Wink. “I’m excited that we will get to interact with people from other cultures and act as ambassadors of our country.”Chosin is currently operating in the 7th Fleet Area of Responsibility conducting exercises, port visits and operations to enhance maritime partnerships and promote peace and stability in the Indo-Asia-Pacific region.[mappress]Press Release, September 26, 2013; Image: Navy View post tag: Naval View post tag: fleet View post tag: Ticonderoga-Class View post tag: Navy View post tag: Defence View post tag: Australia Training & Education Share this article
It has been an eventful long vacation. Whether you were stuck in an office in the city, sunning yourself in exotic climes or living your dream internship, you would not have been able to ignore the magnitude of the summer’s eventsAt a time which is normally a news-free “silly season”, the holiday saw some significant, and some shocking, developments. Daily newsof bombings and uprisings in Iraq, Bali, Israel and across the world were brought violently home by the terrorist attacks on London’s travel network in July. Hurricanes Katrina and Rita swept through swathes of the southern USA.Back in Oxford, these events seem unbelievably distant. But it is now that the real discussion begins. All of this will be analysed, investigated and dissected. Countless undergraduates in countless tutorial rooms will conclude profound consequences of the hike in oil prices, use Bush’s response to Katrina as a moral example in ethics tutes, and draw analogies between the 7/7 attacks and an obscure passage in an Eliot poem.Much is made of the freedom which freshers feel when they first come to university. But Oxford brings another element to this equation: while here, it is difficult not to be lulled into a comforting sense of security.We spend our days and nights posing rhetorical questions and answering them, and treating the outside world very much as a theoretical playpen to demonstrate the lessons we learn in lectures.It is not surprising that we should feel sheltered here. Many of us live in centuries-old buildings with walls, built once to keep out riotous townsfolk, which are now sufficient to shield us from modern reality.Chaplains, college welfare officers, OUSU and university services are ready to demonstrate, with genuine concern, that there is always someone to talk to.But perhaps it is time to shake ourselves free of this comforted assurance.Oxford has its own shocks, as a glance at the news pages of its papers will show. The fires which raged in the Longbridges boathouse do not compare to the scale of the July bombings; the Norrington table does not echo through opinion columns as A-level results are bound to do. Yet both have the potential to change the landscape of Oxford’s well-established status quo.When real change happens, it is felt throughout the town. And Oxford cannot hide forever from the realities of the outside world. In 1920, in its first ever editorial, this newspaper vowed to “drive out all those agencies that disturb our little community”. These words sound archaic to modern ears, but behind them lies an undeniable relevance to our current situation. Whatever we pretend about the importance of our Oxford lives, their stereotypes and institutions, it is to the outside world that we will return, bleary-eyed from libraries and flush with success, to find that there are many lessons still to learn.And yet, despite the clear need for us to acknowledge this external reality, we must also make time to revel in the luxury of insularity which Oxford represents. No doubt we will all look back fondly at things which did only and could only have mattered in Oxford.ARCHIVE: 0th week MT 2005
Shallow water at low tide on the bay near West 17th Street in Ocean City. Credit: George RobinsonCity Council on Thursday will consider spending $5,000 a month to hire a lobbyist to chip away at the wall of regulatory roadblocks preventing Ocean City from dredging its clogged lagoons and bayside channels.A resolution on the agenda for the public meeting 7 p.m. Thursday (Jan. 28) asks council to approve a professional services contract with Tonio Burgos and Associates of New Jersey, LLC.The contract would pay Burgos $5,000 monthly for 11 months in 2016 for a total of $55,000.“TB&A maintains a significant array of longtime effective working relationships with elected and appointed officials in New Jersey as well as key opinion leaders in various business associations and prominent advocacy organizations in New Jersey and our federal officials in Washington, D.C.,” the company writes in its proposed scope of work for the City of Ocean City. See Agenda Packet for complete details.The lobbyist says he “will schedule meetings with key decision makers and leaders in all sectors to help secure the best plan for the City of Ocean City to discard their dredge spoils.”Ocean City officials say they’re committed to dredging the bay side from “tip to tip,” but the current operations involve hauling dredged material away by truck, a painstakingly slow and costly process.The more cost-effective and sustainable solutions are held up by environmental regulations and the slow wheels of bureaucracy, an engineering consultant told the public at Monday’s Town Hall Meeting on dredging.City Council will decide on Thursday if they believe a $55,000 investment in a lobbyist could ultimately save the city much more money on $20 million worth of work planned for the next five years.Also on Thursday’s agenda:Dredging Consultant Contract: In addition to potentially hiring a lobbyist, City Council will consider adding a $160,000 contract with ACT Engineering Inc. The consultant would continue sampling, design and consulting work related to “Site 83,” the biggest approved disposal site for Ocean City’s dredged material. Council has approved other contracts with ACT totaling more than $1 million.Road Improvements Phase I: Council will advertise for bidders on the first phase of Ocean City’s 2016 road improvement program. The work will be completed in the area around 14th Street to 16th Street. (See PDF below.)The agenda also includes separate proposals for bulkhead work, Bayside Center improvements and an agreement for housing weather station equipment at 59th Street.Download (PDF, 270KB)
Mr Kipling owner Premier Foods has reported market share gains in cake and ambient desserts amid a slight decrease in sales in its last quarter. In the 13 weeks to 4 July 2015, branded sales were down 1.4% and group sales down 1.6% to £166.2m, with decreases attributed to the timing of Easter this year.The statement said the group’s branded sales mix was slightly higher at 90.3%, while gross margins in the quarter were in line with the prior year. Non-branded sales were £0.5m lower, with a strong performance in sweet treats offset by declines in the grocery category.Gavin Darby, chief executive, said: “We are encouraged by the continued good volume and value response of our brands in those areas where we have focused our investment, although branded sales in the quarter were impacted by the earlier timing of Easter.“While the business environment remains challenging, our expectations for the year, including a significant reduction in net debt, remain unchanged.”Premier Foods will launch a number of new Cadbury products later this year – Cadbury Hot Cakes and Cadbury Amaze Bites, “which have received a very encouraging response” from major customers. The launches will be supported by a TV campaign.Brand investment will continue across the portfolio, with consumer marketing spend set to “increase materially” in 2015/2016.The statement said: “While we expect the trading environment to remain challenging, our expectations for the year, which include a significant reduction in net debt, are unchanged.”
More than half of the world’s 6 billion people now live in cities, those complex hives of activity that require intensive energy and complex governance. By 2050, that proportion is expected to rise to two-thirds of the world’s population. So it makes increasing sense to strive toward a sustainable model of urban life.The Working Group on Sustainable Cities at Harvard University, a nascent cluster of experts from the University’s design, business, health, and government communities, is working toward that end, and is ready to welcome voices from every discipline. Attending the group’s eighth private meeting last month (Sept. 14) were an authority on climate change, a public health scholar, a city planner, an architect, a political scientist, and even a professor of divinity.The group is meant to “focus our brain trust so we can immediately help,” said its originator, landscape architect Martha Schwartz, adding that Europe is already 30 to 40 years ahead of the United States in its thinking about sustainable cities. Cities are the fulcrum of the economy and the heart of culture, she said. “In order for the United States to go forward, we have to rethink our cities.”Schwartz is a professor in practice in the Department of Landscape Architecture at Harvard’s Graduate School of Design and a self-described student of “the public realm.” She is co-teaching a “Generative Ecologies” studio course this semester, the second in a row to use Edessa, Greece, as a model for sustainable development.But she is eager to take the issue beyond the classroom too. Schwartz envisions a final working group of both scholars and practitioners — a synergy of expertise.Last month, she and a dozen core members of the still-growing group vetted the idea of starting with a series of private working sessions with U.S. mayors, followed perhaps by a public conference.“The idea is to be of most use,” said Schwartz. “The mayors are a good focus group (and) are resource hungry.” She compared the planned mayoral sessions to charrettes, intense sessions of collaborative work that are common among designers.The group’s first event was a working luncheon with two Boston-area mayors, hosted on Sept. 30 by the Institute of Politics (IOP) at the Harvard Kennedy School. In attendance was the former mayor of Detroit, Dennis Archer, who is an IOP Fellow this semester.He also stopped by the working group’s Sept. 14 meeting, and liked the idea of Harvard convening small groups of mayors to discuss sustainability. The need for problem solving has intensified in the depressed economic climate, said Archer. “What you’re creating here is something exceedingly invaluable.”Climate scientist Dan Schrag has offered the working group a temporary home at the Harvard University Center for the Environment, where he is director. But he was skeptical of meeting with mayors and preferred to use the University’s immense “convening power” to look at urban sustainability from another angle: healthy cities, for instance.“Jack could go to town,” said Schrag, gesturing across the table at John D. “Jack” Spengler, the Akira Yamaguchi Professor of Environmental Health and Human Habitation at the Harvard School of Public Health.One way or another, said Spengler, investigating the intersection of sustainability and cities makes sense, as long as those investigations add up to “new systems of thinking” about the urban environment.There is urgency to the issue because of climate change, which will hit cities hardest, he said. “Buildings are getting wet that never got wet before, and people die indoors from heat waves.”The ultimate focus of the working group remains under discussion, said Schwartz, but this year will be devoted to “researching issues that mayors have. … We’re on a fact-finding mission.”To keep those facts in order, the working group is using a Surdna Foundation grant to design a web-based “knowledge platform,” and will also be getting information technology help from the Harvard Office for Sustainability. “It’s clear to the mayors this could be a resource,” said Schwartz. “We’re trying to energize mayors, and to learn from them.”Schrag was also skeptical of the website. “That’s not how interdisciplinary research happens,” he said.The eighth meeting revealed a nascent entity in search of permanent leadership, funding, an institutional home, and an organizational model.Perhaps an executive education model is best, said working group member David Luberoff, executive director of the Rappaport Institute for Greater Boston, or perhaps an “executive session” model in which participants keep coming back to talk.Harvey G. Cox Jr., Harvard’s Hollis Research Professor of Divinity Emeritus, suggested an active collaboration on sustainability with a small city near Harvard.Spengler agreed, and said of cities: “We need them as our laboratories, and they need us for our resources.”Schwartz was grateful for the lively meeting because it showed how much had to be done. “This is a start-up,” she said of the group. “This is an idea.”Yes, Cox agreed, but it’s an idea that needs to go somewhere, and Harvard can help. “We live in a country where cities are pretty desperate,” he said. “What I keep thinking about is: To whom much is given, much is expected.”
Falsettos, which had previously announced it would return to Broadway in spring 2016, has been postponed. The new production of the much-loved musical by William Finn and James Lapine gave no reason for the delay and is now eyeing the 2016-17 season. Lapine, who directed the original incarnation, had been tapped to direct the revival and he remains on board with the project.The tuner follows Marvin who struggles to create a “tight knit family” out of his eclectic array of core relationships (including his ex-wife, his new boyfriend, his adolescent son, his psychiatrist, and his neighbors). Amidst a series of monumental life changes, he is forced to reckon with his own views on love, responsibility, and what it means to be a man.Finn took home the 1993 Tony Award for Best Score and shared Best Book with Lapine for the 1992 production. The cast included Michael Rupert as Marvin, as well as Chip Zien, Carolee Carmello, Barbara Walsh, Heather MacRae, Jonathan Kaplan and Stephen Bogardus. View Comments Related Shows Falsettos Show Closed This production ended its run on Jan. 8, 2017
Benchmarks April 15, 2005 Regular News Benchmarks Judge Louis Schiff recently was selected by the School Board of Broward County to receive the Broward County Public Schools’ Adult Volunteer of the Year Award. Chief Judge Chris W. Altenbernd of the Second District Court of Appeal was recently honored by the Florida Supreme Court’s Standard Jury Instructions Committee (Civil) for 13 years of service as vice chair and chair of the panel. Peter Adrien was elected to serve as an 11th circuit judge in Miami-Dade County. Joyce H. Williams was appointed an Escambia county judge in the First Judicial Circuit. Her new address is M.C. Blanchard Judicial Center, 190 Governmental Center, Pensacola 32502; phone (850) 595-4433. Raul Canela Pardo was appointed U.S. administrative law judge with the Social Security Administration and accepted an initial position in Mayaguez, Puerto Rico. U.S. District Court Judge Pat Seitz was recently presented with the Lawyers in Leadership Award from the University of Miami School of Law Center for Ethics and Public Service. Judge Mario P. Goderich of the Third District Court of Appeals joined Gunster, Yoakley & Stewart in Miami as an of counsel senior attorney. Judge R.B. Davis, Jr., was appointed by Gov. Jeb Bush to fill the position of county court judge in Hamilton County. 11th Circuit Judge Norman Gerstein received the “From the Heart” Award from the Boys and Girls Club of Miami. Judge David L. Levy was unanimously elected chief judge for the Third District Court of Appeal. Judge Lisa Davidson of Brevard County and Judge Lynn Tepper of Pasco County received the Gladstone Award. Judge Bonnie Lano Rippingille was honored by Miami-Dade County for service to the community as founding chair of the Miami-Dade County Women’s Park and History Gallery.