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Dynamic Probes (Dprobes) is a generic and pervasive system debugging facility that will operate under the most extreme software conditions such as debugging a deep-rooted operating system problem in a live environment. Dprobes allows the insertion of fully automated breakpoints or probepoints anywhere in the system and user space. Each probepoint has an associated set of probe instructions that are interpreted when the probe fires. These instructions allow memory and CPU registers to be examined and altered using conditional logic. When the probe command terminates, prior to returning to the probed code, a syslog record may be optionally generated.


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Home » Walter Johnson 2L, Grant Frazier 3L, & Jack Milligan 2L – Honored for Exemplary Student Research
Walter Johnson 2L, Grant Frazier 3L, & Jack Milligan 2L – Honored for Exemplary Student Research
By Leslie Pardo April 17, 2019 April 17, 2019 Uncategorized
The Ross-Blakley Law Library at the Sandra Day O'Connor College of Law is pleased to announce the 2019 recipients of The Ross-Blakley Law Library Award for Exemplary Student Research.
Walter Johnson is the first place award recipient for his paper Governance Tools for the Second Quantum Revolution. Johnson is a second year student. Grant Frazier and Jack Milligan tied for second place. Frazier is a third year student and Milligan is a second year student. Frazier's winning paper is titled, Using Your Head: A Different Approach to Tackling the NFL's Concussion Epidemic. Milligan's winning paper is titled, Malmin v. State's Ipse Dixit: Arizona's Article II, § 8 Is Not of the "Same General Effect and Purpose" as the Fourth Amendment. Their papers demonstrate sophistication and originality in the use of research materials, exceptional innovation in research strategy, and skillful synthesis of research results into a comprehensive scholarly analysis. A review panel comprised of librarians Beth DiFelice and Tara Mospan and Clinical Professor Kimberly Holst selected the winners from a number of very competitive entries.
To read more about the winning papers, please follow this link: Announcing the 2019 Recipients of the Ross-Blakley Law Library Award for Exemplary Student Research
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Lei Jun, chairman and chief executive officer of Xiaomi, reportedly recently visited Taiwan and announced his company plans to launch Xiaomi smartphones in Taiwan at the end of 2012.
According to reports in Taiwanese local media, the Chinese mainland smartphone maker aims to become a top smartphone brand in the Taiwanese market, challenging leading smartphone makers like HTC and Samsung.
During his travels in Taiwan, Lei visited several Taiwanese telecom companies, preparing for entry into this new marketplace. Lei said the Taiwanese local smartphone company HTC has a much larger operating scale than Xiaomi and it is a good example to learn from. However, HTC depends to much on the American market. Meanwhile, the Chinese mainland market has become the largest mobile phone market in the world, providing competitive advantages to Xiaomi. If Xiaomi gains good performance in the Chinese mainland, it will have less pressure when exploring the international market.
Lei also said that Taiwan's demand for mobile phones is over seven million units each year, which is more than he imagined. However, there are limited brand options and Xiaomi is expected to immediately become a top ten brand when it enters this marketplace.
Statistics from Xiaomi showed that by June 12, 2012, the company's smartphone shipments had risen over three million units. Lei said they will ship five million by the end of the year. In addition, Xiaomi's second-generation product is expected to be launched before year-end.


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Grievance Debate: ADELAIDE HILLS FRUIT GROWERS
Mr GARDNER (Morialta) (15:22): I want to take this opportunity, as I have on many occasions over the last eight years, to pay tribute, just before Christmas, to the cherry growers in Morialta, in particular, and other primary producers. I will start by touching on the apple and pear industry, which is very important to Morialta, both in its current boundaries and particularly after the redistribution.
About four weeks ago in late October apple and pear growers in the Adelaide Hills were hit by a concurrence of five or six storms over the course of a night, and woke on the following morning to discover that for many of them their livelihood for the next 12 months was put into severe jeopardy. The hail strikes that had hit much of their fruit as it was growing damaged that fruit such that when the fruit was fully grown it would be unable to be commercially sold in supermarkets because of the level of quality supermarkets require for fruit to be on their shelves.
I was joined by the member for Chaffey, the shadow minister for trade, the shadow minister for agriculture, Senator Anne Ruston, the federal Assistant Minister for Agriculture, and the minister at Lenswood Cold Stores. We had discussions with growers, Susie Green, the staff representative, and Ashley Green, the president of the Apple and Pear Growers Association, and we visited a number of farms in my electorate.
It was devastating for this community, and there are a number of measures that the Liberal Party is taking in the years ahead that will help in these matters and help them recover. We are going to make it much easier for them to get up netting; farmers who had nets up had, by and large, much less damage than those who did not. Unfortunately, on this occasion one of the problems was that a lot of the farmers had nets but, because they have had issues with pollination, they were open. That is a serious problem.
There are serious impacts for this community and we are going to be working very hard over the next 12 months to ensure that two things, in particular, happen. The first is that everyone always looks for the opportunity to buy local; sometimes there is only local produce available, but you need to remind people that they need to be buying those apples and those pears.
Secondly, we need to be talking to the supermarkets about the grades of apples that they are going to be accepting. If something has a couple of blemishes on it because there was a hail strike when it was a young fruit, it is still a beautiful apple to eat, and it is important that supermarkets understand that. If we need to put some work into public relations to encourage people to buy those apples, even if they have a couple of blemishes, then we need to do that.
I will move on to the cherry season. I am very pleased to be an ambassador for the CherriesSA. It is a very exciting time. We know Christmas is coming when you can go up into the Adelaide Hills, up Norton Summit Road or Old Norton Summit Road, or Montacute Road, or the Basket Range Road and the orchards and packing sheds are taking cherry sales. You can pick your own. I particularly want to draw to members' attention and in fact all South Australians' attention to the Cherry Map which CherriesSA has this year put out so that people can experience a day in the Hills and know where they can go to try somewhere new. I encourage all members and all South Australians to try somewhere new. Buy a kilo of cherries this summer.
Particularly in the Morialta electorate, I want to pay tribute to those 'pick your own' places: Everlong Orchard in Forest Range, Cheron Enterprises in Lenswood, Forest Range Cherries, Marble Hill Cherries, Plummers Border Valley Orchards and Stella Creek. Those that have shed door sales and 'pick your own' include the Organic Cherry Farm at Cherryville, Cherrytime Orchard at Lobethal, Harrisville Orchards at Lenswood, Lennane Orchards at Montacute and Masons Orchards at Forest Range.
Shed door sales only include Cowlings Cherries, the cherry farm that I have been visiting pretty much every year for the last 30 years or so to get my first box for the season; John and Gill Cowling on Old Norton Summit Road; Ellimatta Orchards in Lenswood; Kenton Valley Cherries, which has a fantastic cafe there; the Norton Summit Farm; Montacute Valley Orchard, the Green family do a wonderful job and they also have a cafe and they make their own ice cream; Torrens Valley Orchards at Gumeracha; and Wotton's Cherries at Uraidla.
Congratulations to all those growers who make a really good contribution in our community. It is particularly good news this year, thanks to the work of the federal government. Again, I thank Senator Anne Ruston for the work she has done in ensuring that cherries can now be taken into China much more easily. So they can be picked, put on a plane and sold in China as a result of the work that the federal government is doing in this area. Particularly for an orchard like Torrens Valley Orchards, that is going to mean hundreds and hundreds of extra jobs, lots of export dollars, but it will also improve the market in South Australia for the rest. That is great news for cherries. I hope everyone enjoys their Christmas.
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We're having a ball recapping our finest stories of 2014 as we prepare for the new year. Today's topic: cities and states.
Trekaroo readers love our Top 10 State and City series. More than any other article on Trekaroo's massive database, our Top 10 States Series and, launched this year, our Top 10 City Series, are amassing lots and lots and lots of web traffic.
It was a lofty ambition to cover the top 10 things to do with kids across all fifty of our states, but in 2014, we can proudly say that we accomplished this goal!! From the east to the west, north to the south, we've got families covered as they embark on vacations, day trips, road trips, and getaways across our great nation. Explore the top 10 things to do across America; we've got 10 special things to do in each and every state!
On the heels of success of our Top 10 State Series, we launched a brand new series early 2014 where we cover the very specific top 10 things to do in a variety of kid-friendly cities. To date, we've covered the following great cities, and we look forward to covering more in 2015.
Come back tomorrow for more countdown fun!


In the name of the Warrior, I charge you to be brave. In the name of the Father, I charge you to be just. In the name of the Mother, I charge you to defend the innocent. Arise, readers of The Ringer, for many of our friends will surely die next week! On to the questions!
Game of Thrones viewers have been waiting for a full-fledged battle between the humans and the Night King's army for weeks, if not years (and for readers of the books, decades).
For every action, there is an equal and opposite reaction—and whatever their advantages, the rich and famous are just as subject to the laws of physics as the rest of us.


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Colorado's housing crisis has gotten so bad that small towns are now building people homes
Rural school districts are leading the charge with projects designed to keep teachers in their communities. Resort towns, meanwhile, are struggling to increase their housing stock without ruining their character.
Sue McMillin
5:05 AM MST on Feb 18, 2020
The Bobcat Quad apartments are shown in this Feb. 13, 2020 photo in Westcliffe, Colo. The building is owned by Custer County Schools and they lease to district employees at a reduced rate as incentive to stay in the small, rural school district. (Mike Sweeney, Special to The Colorado Sun)
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SILVER CLIFF – The vacant lot along First, Second and Third streets is lined by wooden stakes that delineate the Bobcat Subdivision, a site for affordable housing in this southern Colorado town.
Eventually, this area could be filled with more than a dozen homes with stunning views of the Sangre de Cristo mountain range.
This isn't the work of a developer seeking big profits, but rather a Custer County Schools project aimed at keeping the community afloat.
The housing crisis in rural Colorado is so severe that school districts, towns and counties, with the help of organizations like Habitat for Humanity, are building homes and apartments for teachers and deputies and others who are the lifeblood of the communities, but are being priced out of the market or living in substandard housing.
Custer County Schools owns the 14-lot Bobcat Subdivision in Silver Cliff, Colo. Students from the school district have helped in the construction of the two developed lots at the site. (Mike Sweeney, Special to The Colorado Sun)
A couple miles west of the Bobcat Subdivision, on the outskirts of adjacent Westcliffe and with equally breathtaking views, is the Bobcat Quad – another school district project named for the school's mascot. Its four one-bedroom apartments are offered to district employees for $500 a month, and there's always a waiting list.
And in Poncha Springs, 50 miles away, the Spartan Heights subdivision is taking shape on land owned by the Salida School District, thanks to partnerships with Habitat for Humanity and a local developer.
A trio of housing needs assessment reports released in November for Fremont, Custer and Park counties reveal the challenges: poor quality of existing homes and apartments, lack of rental units, an influx of retirees seeking less expensive homes and an escape from the Front Range, a growing number of vacation homes, and increasing housing prices. Also, building costs tend to be higher in rural areas and often there is no one to do the work.
The reports echo previous assessments for other south-central Colorado counties.
"It's a big problem and it will take time to resolve," said Autumn Dever, regional housing director for Central Colorado Housing, a department of the Upper Arkansas Area Council of Governments. "We need solutions all across the board. We need all types of housing."
Those solutions are coming from the community rather than outside investors and developers, who generally pursue the high-end and vacation-home markets that have fueled housing price increases in some areas.
Sydney Benesch, a second-grade teacher at Custer County School and shown here in a Feb. 13, 2020 photo, has lived in a district-subsidized apartment in Westcliffe, Colo. for four years. (Mike Sweeney, Special to The Colorado Sun)
Sydney Benesch grew up in Westcliffe and returned a few years ago to teach second grade. Finding decent housing on a teacher's salary was a challenge. The base annual salary for the district is now $32,000; one-bedroom apartments rent for as much as $1,200 a month, and rentals are hard to find.
"This is where I wanted to be so I would have figured something out," she said. "But this has helped so much."
She was among the first to move into the Bobcat Quad apartments four years ago and loves it. Expecting her first child in July, she and her husband are looking for a larger home.
The lower rent, she said, helped them save money for the baby and a bigger place.
MORE: Teachers living in campers: How rural Colorado districts are coping with growing teacher shortage
Custodian Brett Berry moved into the Quad in April 2019 after living in a studio apartment above the local laundromat. He said his wife is disabled, and the lower rent means he doesn't need a second job.
"This has helped us get back on our feet and pay off debt," said Berry, a Westcliffe native who's worked for the district for 12 years. "It's been a real godsend to us."
Custer County Schools Superintendent Mike McFalls said it's difficult to recruit teachers when the pay is low and rents are high. Even though the district has only four apartments, he said, "it's a stab in the right direction."
Custer County Schools Superintendent Mike McFalls at the school's entrance Feb. 13, 2020. (Mike Sweeney, Special to The Colorado Sun)
The apartment manager reports to the school board, so district staff is not involved in the rental and maintenance issues, he said.
The district, in conjunction with local builders and the district's Building Trades program, for students interested in construction careers, wants to build houses in Bobcat Subdivision, but they know it will take time.
Chris Palmer, of Palmer Builders, said he recently started talking with teacher Renee Johnson about a partnership. He moved his company from Colorado Springs to Westcliffe last year, and she is new to the district this year so they're starting from scratch.
He said he moved, in part, so he could be more involved with his community. Although he hasn't previously worked with a building-trades program, he believes they are a tremendous idea because of a "shortage of young blood coming into the trades."
McFalls said the district owns more than a dozen parcels of land, and the "school board wants to put a house on every tract. It takes a long time because we only have a handful of kids. But we're definitely supportive of anything we can do to provide affordable housing."
Johnson said she is talking with Palmer and Trinity Homes about partnerships to develop that land.
Although most local officials say they're a bit uncomfortable in the development world, they realize others aren't going to solve these problems for them.
Proximity to the metro area creates its own problems
Park County owns several parcels of land, including in Fairplay and Bailey, said Sheila Cross, director of development services for the county.
The two towns' proximity to high-cost areas – Bailey to metro Denver and Fairplay to Summit County – means local residents are often squeezed out of the market by the commuter workforces of adjacent communities.
The county partnered with Summit Habitat for Humanity on plans to build housing for eight families, in duplex or single-family homes on its land in Fairplay. The county also has spoken informally with a local developer about a parcel it owns in Bailey.
But the county doesn't want to move too rapidly, Cross said.
"As a county government we're not used to being developers," she said. "This is a bit of a test period – we'll build one and see what happens."
April-Dawn Knudsen, executive director of Summit Habitat, said it made sense for her organization to venture into Park County because 7% of the Summit workforce lives there. She said Habitat expects to break ground and complete two units this year.
"Homeownership is very much out of reach for people we depend on in our communities," she said, noting that Park County teachers earn about 49% of the area median income.
St. Joseph Manor, shown here in a Feb. 14, 2020 photo, is owned by the City of Florence, Colo. The city wants to partner with a developer to breath new life into the former hospital, possibly as an affordable housing complex. (Mike Sweeney, Special to The Colorado Sun)
The plight of local workers is the force behind several efforts across central Colorado, including:
The town of Florence in Fremont County wants to partner with a developer to transform a building it owns into affordable workforce apartments.
The city of Victor in Teller County is considering proposals from two local developers to build affordable housing for full-time residents on 16 city-owned lots. "Our workforce wants to live up here so they don't have to drive every day," city administrator Deb Downs said. "But they can't find housing in good enough condition."
The Chaffee County Housing Trust is working with a local developer to build eight homes at Two Rivers in Salida and six at The Farm in Buena Vista.
Custer County used a $40,000 El Pomar Foundation grant to buy lots in Silver Cliff for multi-family housing and is mulling how to develop them.
The town of Alma in Park County is identifying vacant and blighted property that it might acquire at low cost for Habitat housing.
A self-help housing program sponsored by U.S Department of Agricultural/Rural Development and Central Colorado Housing has built 109 homes in Fremont and Chaffee counties since 1999, with more in the works. Similar to Habitat for Humanity, families work together and with a construction supervisor to build the homes on government-owned land.
Whatever housing is built on these public plots will have deed restrictions so that it remains affordable in the future. Generally, houses built under these programs must be used as a primary residence and can't be rented out or offered as vacation rentals.
Vacation-rental market adds pressure
Short-term vacation rentals are a huge part of the housing problem across the state, and increasingly in non-ski resort towns, officials said.
According to an October 2019 report from the National Association of Realtors Research Group, six of the seven counties in the Upper Arkansas River housing region ranked among the top 25 vacation home counties nationally for price gains from 2013 to 2018, all with gains exceeding 55%. The region includes Chaffee, Custer, Fremont, Huerfano, Lake, Park and Teller counties, and only Teller was not on the list.
"The VRBO industry has a huge impact on the housing issue," Dever said. "Homeowners can make more money on short-term rental than long-term rental."
A bill introduced at the Colorado statehouse this year created a stir recently because it proposed taxing short-term rentals as commercial rather than residential properties. Real estate agents and property managers strongly opposed the measure, which died in its first committee hearing on a 6-0 vote. But affordable housing advocates and some local officials were happy for the discussion about the issues.
MORE: A Colorado lawmaker brought a short-term rental bill he never intended to pass. It created an uproar.
Charles Bogle, chairman of the Custer County Attainable Housing Committee, said vacation rentals are a two-edged sword in a tourist economy.
"About half of the houses in Custer County are other than full-time residences," he said. "We've got everything from hunting cabins to quite nice houses that are second homes. In the last couple of years VRBO rentals have increased – that's good news and bad news.
"It's taken long-term rentals off the market, but to satisfy our need for summer events it lets us bring in outside folks," he said.
The county added a 2% lodging tax about eight years ago, he noted.
Most communities now tax and regulate vacation rentals, but the impact remains.
Problem is worst in Chaffee County
Of the seven counties she serves, Dever said Chaffee County's housing crisis is the worst.
Businesses in Salida and Buena Vista have been forced to reduce and change hours and some have closed because employees can't afford to live there, she said.
Indeed, Salida is the poster child for what can go wrong.
"We see what's going on in Salida and we don't want that to happen," said Wade Broadbent, Florence's planning director. "We want to tell people that Florence is great, but one by one. We want sustainable growth."
Last year the town began to see interest from remote workers and retirees from Colorado Springs who liked the town's affordable prices and proximity to the Front Range, he said.
Florence has a good water system and "tons of water rights," he said, noting that three subdivisions were platted before the 2008 real estate market crash stalled development.
Reed McCulloch, executive director of the Chaffee County Housing Trust, finds it interesting that others are learning lessons from issues in his county. When the crunch started in Chaffee County, he mused, "we looked at Breckenridge."
MORE: To help fill the affordable housing gap, a Buena Vista project is creating inventory — one giant box at a time
The Housing Trust was created in 2008 and had its first project ready to go in 2009 but couldn't get financing because of the Great Recession. Efforts were shuttered until 2015, but affordable housing projects take time, so they have been outpaced by demand.
While the projects may seem small to city dwellers, none of the smaller towns are interested in seeing a big apartment complex plopped in its midst, said Becky Gray, Chaffee County's housing director. They want to maintain their character – and want places where people want to live so they remain in the communities.
"There is a lot going on," she said. "Hopefully we can look back in a couple of years and say, 'Look, we got people in houses.'"
Special to The Colorado Sun
affordable housingAlmaBuena VistaCentral Colorado Housing


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When it comes to computers, security is crucial. There are many antivirus software programs out there, some better than others. Bitdefender Security software is one of the best, and the new 2016 version has recently been released. In the following bitdefender internet security review, we will point out the new features, the pros and cons, and give our opinion of the new software.
Get Bitdefender Internet Security 2016 1-Year License Now with 50% OFF + PC Booster 7 as Free Gift for a whole year!
We all want a computer that is safe from malware, viruses, online fraud, or identity theft, but having an internet security suite constantly popping up on your screen is irritating. When Bitdefender is in the AutoPilot mode, it is running in the background, doing its job. It isn't bothering you for permission or bombarding you with notifications. Overall, it is a very effective and user friendly suite.
Installing this software is easy and fast. It has the same dark green theme as the previous version, but it isn't as junked up. The buttons are flatter giving it a much cleaner look than its predecessor.
The bitdefender internet security 2016 version has six layers of protection against worms, Trojans, viruses, adware, spyware and other kinds of malware. It takes a proactive defense instead of a reactive one. It doesn't wait for the virus to do damage, it finds and attacks it before any damage can occur.
Antivirus Scans – These scans are performed quickly, looking in all the usual hiding places malware is known to frequent. Your scans can be customized, allowing you to choose the exact files and directories you want scanned. It also allows you to customize the security level, and contains a Rescue Mode that can be used if your computer can't start properly due to malware or viruses.
Vulnerability Scans – These look into the operating system's weakest points, looking for easy passwords, Windows updates, and media operations.
Antispam – Bitdefender also goes through your emails to detect potentially dangerous messages. It can be set to stop any emails written in Asian or other unwanted characters. It also lets you manage your email addresses and domains, and helps separate the friends from the spammers.
Firewall – The software also has its own firewall which is automatically turned on upon installation. It will also deactivate the Windows firewall when running, to prevent any conflicts. Bitdefender can keep an eye on wireless connections as well.
Web Protection – This is automatically provided by Bitdefender. The program will help block any fraudulent or phishing links. Web protection can be customized, so you can have a safelist of URL's that you know are clean and malware free. The Bitdefender toolbar is optional, and can also be changed to your liking.
Intrusion Detection – This mechanism is meant to thwart hackers and other unwelcome parties from getting into your computer and corrupting and stealing data. It will stop any attempted changes to critical system files, and you can set the permission level to permissive, passive or aggressive.
Proactive Defense – This means acting in anticipation to oppose an attack against computers and networks, rather than scan & repair after you computer has been compromised. It has become a very effective way to deal with new virus or other security threats that has not yet been seen and learned by anti-virus programs. Proactive defence is one of the most featured module of Bitdefender, in the famous Proactive/Behavioral Test 2015 by AV-Comparatives, Bitdefender got #1 rank.
The new 2016 version of Bitdefender contains quite a few new tools. These will help the user tune up their computer, and make it easier to find and eliminate any potential or imminent threats. It has all the benefits of the 2015 version, but when it comes to computer safety, the more instruments that can help you the better.
One Click Optimizer – This searches for junk files that take up disc space, invalid registry entries which may cause problems, and browser tracks that could be used to show exactly where the user has been surfing.
Start Up Optimizer – The start-up optimizer gives the user the opportunity to delay or stop programs which automatically start when the computer boots up. With this, the user can also see the start time for a certain program, or of the entire system.
PC Cleanup – PC cleanup lets the user clean up the browser cache, error files, junk files, and memory dumps, or exclude any of these if they so desire.
Disk Defragging Tool – This tool helps the user choose which drives they want analyzed. It also finds and eliminates any duplicate files which take up disk space and RAM.
The new Bitdefender is excellent. It has many new features, eliminates practically all malware, and is easy to use. It is also easy on the computer, requiring little power. It looks a lot cleaner, and the user doesn't have to be computer savvy to use it.
Even though it looks better, some windows overlap each other, in the order the user used them. Another con is that it can take a long time for it to put a scanned folder into its appropriate group. If you try to stop or cancel a scan, it may freeze up and not respond.
Overall, Bitdefender internet security 2016 is consistent, reliable, and a great choice for anyone seriously seeking a trustworthy antivirus software.


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Home / News / Government Federal / Fannie Mae posts $2B profit for 3Q
Fannie Mae posts $2B profit for 3Q
By: The Associated Press	November 6, 2015	0
WASHINGTON — Mortgage giant Fannie Mae reported net income of $2 billion for the July-September period, down from $3.9 billion a year earlier.
The government-controlled company attributed the third-quarter decline in profit mainly to losses on the investments it uses to hedge against swings in interest rates.
Nonetheless, the results posted Thursday marked the 15th straight profitable quarter for Washington-based Fannie Mae.
Fannie said it will pay a dividend of $2.2 billion to the U.S. Treasury next month. With that payment, Fannie will have paid a total $144.8 billion in dividends.
Fannie received $116 billion from taxpayers during the financial crisis in September 2008. The government rescued Fannie and smaller sibling Freddie Mac after they suffered huge losses from risky mortgages in the housing market bust.
Together the companies received rescue loans totaling about $187 billion. The housing market's gradual recovery has made Freddie and Fannie profitable again.
Freddie reported Tuesday a $475 million net loss for the third quarter, also due to losses on derivatives. As a result, Freddie is skipping paying a quarterly dividend to the U.S. Treasury next month. The company said the loss — compared with net income of $2.1 billion a year earlier — mainly reflected accounting measures for the losses, while its business was strong and continue to improve.
But the head of the federal agency that oversees Fannie and Freddie raised the possibility that future quarterly losses could mean they would have to receive further government aid.
Volatile interest rates and reduced capital cushions for the two companies, under their agreements with the government, "will likely make both enterprises increasingly susceptible to the possibility of quarterly losses that could result in draws" from the Treasury, Mel Watt, director of the Federal Housing Finance Agency, said in a statement Tuesday.
Fannie and Freddie own or guarantee about half of all U.S. mortgages, worth about $5 trillion. Along with other federal agencies, they back roughly 90 percent of new home loans.
The two companies don't directly make loans to borrowers. They buy mortgages from lenders, package them as bonds, guarantee them against default and sell them to investors. That helps make loans available.
The companies' quarterly earnings can fluctuate widely due to changes in interest rates.
Fannie reported that it lost $2.6 billion on accounting for derivatives in the third quarter. The company said a majority of its interest income came from the fees it receives from banks and other lenders to guarantee the mortgages they issue. Fannie said it expects those fees to account for an increasing portion of its interest income in the future.
Fannie said it expects to remain profitable for the foreseeable future, but that earnings for this year and future years likely will be "substantially lower" than in 2014. Fannie earned $14.2 billion last year. Among the factors in the anticipated reduced earnings is a continued decline in interest income from mortgages held by the company.
The record-low interest rates of recent years, with the Federal Reserve holding its key short-term rate near zero since 2008, could soon be ending. Fed Chair Janet Yellen said in congressional testimony Wednesday that an interest rate hike in December is a "live possibility" if the economy stays on track. She stressed that Fed policymakers haven't decided yet.
The Fed has previously signaled that it wants to see further economic gains and higher inflation before raising its benchmark rate.
The housing market's recovery over the last three years has been uneven, and it has lagged behind the rest of the economy. Despite the low borrowing rates that could lure prospective homebuyers, the market has remained hampered by tight mortgage credit, rising home prices and stagnating incomes.
A plan to phase out Fannie and Freddie and instead use mainly private insurers to backstop home loans advanced in the Senate last year and was endorsed by the White House. The plan would create a new government insurance fund. Investors would pay fees in exchange for insurance on mortgage securities they buy, and the government would become a last-resort loan guarantor.
No work on the proposal has been done this year in the current Congress.
A Treasury Department spokesman said Tuesday that the prospect of possible losses for Fannie and Freddie "is another reminder that comprehensive housing-finance reform is necessary."
Fannie Mae profit 5:26 am Fri, November 6, 2015 NY Daily Record
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I met Ally and Lee around one year ago for their engagement shoot which can be found by following this link. After seeing their engagement photos, they decide to book me as their Maleny wedding photographer. I was pretty happy about this as they work well in front of a camera and are very photogenic.
Ally and Lee were married in October of 2018 at a beautiful little spot called Halfmoon Hideaway which is located in Maleny near the Sunshine Coast. Halfmoon Hideaway is a charming venue which is family run. It overlooks the stunning Maleny hinterland and provides excellent opportunities for as a wedding photographer.
Ally and Lee both prepared for their wedding at the venue itself. They both had 4 each in the bridal party which helped them get ready for the wedding. With the help of Sunshine Brides, Ally and the girls looked fantastic.
Ally and Lee chose to enter the wedding together and were were married by Marriage Celebrant Venita Manning in front of their intimate wedding of 40 or so wedding guests. A sand ceremony was also conducted before walking down the aisle as husband and wife.
followed by the bridal party photos. My favourite thing about Halfmoon Hideaway was the beautiful sunset in the background of a stunning country setting.
As you can see from the wedding photos below, they turned out fantastically well. I particularly love the wedding photos with the sunflare in the background. Sunflare is a tricky thing to master. It needs to be filtered slightly behind a tree, otherwise it will overpower the sensor and allow to much light into the photos. If you can control the amount of sunflare, the results can be amazing.
Thank you to Ally and Lee for allowing me to capture your wedding. I will remember this beautiful backdrop for a long time to come. If you are looking for a Sunshine Coast wedding photographer, then please visit our homepage to make an enquiry. We offer wedding photography packages from $990 to $2490.


Most people don't worry much about bullet weight for casual shooting. As long as they have the right cartridge they often disregard the number of grains a bullet consists off. However, if you are a serious shooter weight is an important variable. It determines recoil, accuracy and ballistics. You'll also find that ammunition boxes might not always contain the weight of the bullet apart from being labelled as 380 auto ammo for example. Its specific name identifies the cartridge weight. Doing an online search or asking the manufacturer or ammo dealer will give you the correct weight.
Each caliber has common bullet weights suitable for almost anyone's needs although manufacturers have loads for specific applications. The following is a simple guide for choosing weights for different reasons.
Shooting for fun and casual shooting does not require specific weights. We recommend buying ammo that functions well and suits your budget.
Maximum accuracy shooting requires specific bullet weights for several reasons. Specific guns require specific weights in order to deliver accurate shooting. Often you will find people experimenting with different weights for their guns until they are happy with the result. Long range rifle shooting enthusiasts in particular also take the barrel length into consideration when looking for the most suitable weight.
Hunting and self-defense bullet weights have various factors which determine the effectiveness against a living target. Any caliber gun has bullet weights with great track records and others which are simply a "bad" bullet. Penetration and expansion characteristics are factors which are also considered for hunting and self-defense bullets. It's not enough to simply consider the caliber, velocity and weight. In this regard, weight is not the deciding factor in the efficacy of the bullet.
Many think that bullet weight and recoil goes hand-in-hand, but that is not always the case. You might think that a light weight bullet will deliver less recoil. However, simple physics dictates that recoil impulse would be less. It is also possible for lightweight bullets to fly at greater velocity, therefore delivering an even higher recoil rate than a slower moving heavier bullet. On the other hand the heavier bullet might deliver more recoil especially when using fast burning propellants. It is impossible to determine recoil rates simply by looking at the bullet weight alone as other factors affect it as well.