Downey Savings was shut down late Friday by the FDIC on a busy day where two other banks were also seized.
US Bank has agreed to take on the company’s banking operations, including its 170 branches in California and five in Arizona.
The news doesn’t come as much of a surprise, given Downey’s dismal share price and the admission of a consent order demanding it raise capital by year-end or face conservatorship.
It’s unclear to what extent the Newport Beach, CA-based bank and mortgage lender was still lending, given it dropped its wholesale lending unit back in mid-October.
That channel had historically provided roughly 80 percent of all single-family loan origination volume.
As of the end of the third quarter, Downey had total deposits of $9.7 billion and $12.8 in total assets, many of which were non-performing.
PFF Bank and Trust Acquired by US Bank
It was a busy afternoon for US Bank, who also agreed to acquire Pomona, CA-based PFF Bank and Trust, along with its $3.7 billion in assets, $2.4 billion in deposits, and 37 branches.
The combined failures will cost the FDIC roughly $2.1 billion, further diminishing its already vulnerable Deposit Insurance Fund (DIF).
A third bank, The Community Bank, located in Loganville, Georgia, was also seized.
A total of 22 banks have failed so far this far, including five in the state of California alone.
I suspect a number of other banks will fail within the next month as well, given the precarious trading prices of a number of banks out there at the moment.
Check out the latest list of closed lenders, mortgage layoffs and mergers.
An emergency housing proclamation in the state of Hawaii declared by Gov. Josh Green (D) in July is conflicting with the desires of Maui residents as the island rebuilds after a devastating wildfire that destroyed the town of Lahaina.
The proclamation suspends several housing provisions, including historic preservation, environmental review, sunshine and collective bargaining laws. It replaces them with rules that permit rapid development and construction of new housing units, a move to address ballooning costs.
In a Thursday meeting of the Maui County Council, dozens of local residents said the proclamation could thwart forthcoming reconstruction efforts in Lahaina, Honolulu Civil Beat reported.
Chief Housing Officer Nani Medeiros said the town isn’t going to make any decisions under the declaration until the community is prepared.
A working group and other government officials are carrying out an assessment to identify available government and private land where new homes could be built to house Lahaina fire survivors.
“Infrastructure is the biggest challenge,” Medeiros said. “The meetings with the community members — the folks who have actually experienced the displacement — are key to any decisions,” on new construction.
Meanwhile, residents are encouraging tourists to return in order to encourage economic activity.
“Another way you can support Maui, come here,” local disc jockey Forest said on Mana’o Radio, NPR reported. “The Maui economy relies on tourism, to stay away now will just make the problem worse.”
Despite the destruction of Lahaina, 730 square miles of Maui — roughly 75% of the island — was untouched by the recent wildfire. Tourism accounts for the vast majority of the Maui economy.
An emergency housing proclamation in the state of Hawaii declared by Gov. Josh Green (D) in July is conflicting with the desires of Maui residents as the island rebuilds after a devastating wildfire that destroyed the town of Lahaina.
The proclamation suspends several housing provisions, including historic preservation, environmental review, sunshine and collective bargaining laws. It replaces them with rules that permit rapid development and construction of new housing units, a move to address ballooning costs.
In a Thursday meeting of the Maui County Council, dozens of local residents said the proclamation could thwart forthcoming reconstruction efforts in Lahaina, Honolulu Civil Beat reported.
Chief Housing Officer Nani Medeiros said the town isn’t going to make any decisions under the declaration until the community is prepared.
A working group and other government officials are carrying out an assessment to identify available government and private land where new homes could be built to house Lahaina fire survivors.
“Infrastructure is the biggest challenge,” Medeiros said. “The meetings with the community members — the folks who have actually experienced the displacement — are key to any decisions,” on new construction.
Meanwhile, residents are encouraging tourists to return in order to encourage economic activity.
“Another way you can support Maui, come here,” local disc jockey Forest said on Mana’o Radio, NPR reported. “The Maui economy relies on tourism, to stay away now will just make the problem worse.”
Despite the destruction of Lahaina, 730 square miles of Maui — roughly 75% of the island — was untouched by the recent wildfire. Tourism accounts for the vast majority of the Maui economy.
Across the expanse of human history, societies have arisen, flourished, and faced decline. Historians have chronicled the rise and fall of many civilizations, providing valuable insights for subsequent generations. However, some of these societies have vanished suddenly and without explanation. We’re exploring some of these civilizations that were lost without a trace.
1. Roanoke
Photo Credit: Shutterstock.
The mystery of Roanoke is to the disappearance of the English colony established on Roanoke Island off the coast of North Carolina, in the late 16th century. Sir Walter Raleigh founded the colony in 1587, but when a supply ship arrived in 1590, all of the colonists had vanished without a trace. Theories about what happened to them include being killed by hostile Native Americans, joining a nearby tribe or local community, or attempting to sail back to England and perishing at sea.
Clues Without Answers
Photo Credit: Shutterstock.
The word “Croatoan” carved into a tree near the abandoned settlement has led some to speculate that the colonists may have relocated to the nearby Croatoan Island, but no concrete evidence of this has ever been found. Despite numerous attempts to solve the mystery, the fate of the Roanoke colonists remains a mystery.
2. Angkor
Photo Credit: Shutterstock.
Angkor is an ancient city located in northwest Cambodia that was once the capital of the Khmer Empire from the 9th to the 15th centuries. At its height, it was one of the largest and most advanced cities in the world, known for its impressive architecture and sophisticated irrigation systems. Despite being abandoned in the 15th century after a series of wars and natural disasters, it remained largely hidden until the late 19th century. Today, it is a popular tourist destination, with visitors exploring the temples and ruins of the ancient city, including the famous Angkor Wat, the Bayon temple, and the Ta Prohm temple.
3. Teotihuacan
Photo Credit: Shutterstock.
Teotihuacan is an ancient Mesoamerican city located in the Basin of Mexico, near modern-day Mexico City. It was founded around 200 BCE and was one of the largest cities in the world during the first half of the 1st millennium CE. It is known for its impressive pyramids, sophisticated urban planning, and thriving economy. The city was mysteriously abandoned in the 7th or 8th century CE, and scholars still debate the reasons for its decline. Today, it is a UNESCO World Heritage site and a popular tourist destination.
4. The Spiro Nation Mounds
Photo Credit: Shutterstock.
The Spiro Nation Mounds was a pre-Columbian Native American culture in Oklahoma, USA that belonged to the Spiro people culture. They built earthen mounds for various purposes and were skilled artisans and traders. They produced intricate pottery, copper ornaments, and shell-tempered effigy vessels for ritual use. The Spiro culture declined and disappeared around the 15th century. Today, the Spiro Mounds Archaeological Center preserves and interprets their legacy.
5. City of Great Zimbabwe
Photo Credit: Shutterstock.
The City of Great Zimbabwe is an ancient stone city in Zimbabwe that was the capital of the Kingdom of Zimbabwe from the 11th to 15th century. It was a major trade center known for trading ivory, gold, and copper. The city had massive stone walls, was home to up to 20,000 people at its peak, and is now a UNESCO World Heritage site. Its decline in the 15th century was likely due to environmental degradation and political instability. Today, the ruins of the city serve as a testament to the region’s rich history and attract visitors from around the world.
6. The City of Tanis
Photo Credit: Shutterstock.
The City of Tanis, also known as San El-Hagar, is an ancient city located in the Nile Delta region of Egypt. It served as the capital of Egypt during the 21st and 22nd dynasties and was a significant center of worship for the god Amun, with many temples and religious monuments. Tanis is also mentioned in the biblical story of Exodus. Rediscovered in the 1930s by archaeologist Pierre Montet, the site has revealed many ancient artifacts and structures, including tombs and temples.
7. The Indus Valley
Photo Credit: Shutterstock.
The Indus Valley civilization thrived in the northwestern region of the Indian subcontinent from approximately 2600 BCE to 1900 BCE. It was one of the world’s earliest urban civilizations, characterized by well-planned cities with advanced sanitation systems and a complex social structure. The people were skilled in agriculture, metallurgy, and handicrafts and traded with other civilizations. Although civilization’s script has yet to be fully deciphered, its decline was attributed to factors such as climate change, environmental degradation, and invasion by foreign groups. The civilization’s legacy can still be seen in the cultural practices of modern-day Pakistan and India.
8. Çatalhöyük
Photo Credit: Shutterstock.
Çatalhöyük is an ancient city in Turkey, inhabited from approximately 7500 BCE to 5700 BCE, known for its distinctive architecture with no streets or public spaces. Archaeological excavations have revealed many insights into the daily lives, diet, economy, and social organization of its inhabitants. The people were skilled in agriculture, animal husbandry, and trade and had a complex religious and spiritual life. The city’s decline and abandonment are still debated but are thought to have been caused by environmental degradation, resource depletion, and social conflict. Çatalhöyük remains an important archaeological site and UNESCO World Heritage Site.
9. The Maya Empire
Photo Credit: Shutterstock.
The Maya Empire was an ancient civilization that existed in parts of Mexico, Guatemala, Belize, Honduras, and El Salvador. The Maya were known for their advanced culture, including impressive achievements in mathematics, astronomy, art, and architecture. The empire was made up of numerous city-states, each with its own ruler and government, and the economy was based on agriculture and trade.
Still a Well-Known Site
Photo Credit: Shutterstock.
The civilization declined around 900 CE due to environmental factors, warfare, and internal political instability. The Maya have had a lasting impact on the culture and identity of modern-day Mexico and Central America.
This article explores civilizations that disappeared without a trace, leaving behind only questions and theories about their disappearance. These civilizations were once thriving, but for various reasons, they all vanished, leaving behind only ruins and unanswered questions. Despite many attempts to solve the questions, the fate of these civilizations remains a mystery.
10 Crazy Good Movies Where Women Are the Bad Guys
Image Credit: Lionsgate
Are you looking for a movie night with a twist? Look no further than these Reddit-voted top ten films where women take on the destructive bad guy role.
10 Crazy Good Movies Where Women Are the Bad Guys
15 Cover Songs that are Better than the Original
Photo Credit: Shutterstock.
Sometimes, a cover of a song ends up doing far better than the original. Some covers are so good that we didn’t even realize the cover version wasn’t actually the original.
15 Cover Songs that are Better than the Original
These 11 Movies Are So Bad You’ll Wish You Could Unsee Them
Photo Credit: Lightstorm Entertainment / TSG Entertainment II
The movies we love best are a combination of excellent characters, plots, stories and cinematography. But if these factors can make great movies, they can also make terrible movies—the ones that make people cringe, the ones we swear they’ll never watch again.
These 11 Movies Are So Bad You’ll Wish You Could Unsee Them
10 Celebrities Who Are Universally Disliked
Photo Credit: Shutterstock.
People will always have preferences and something to say about celebrities. What you might love may not be the same for others. Whether it’s about their past behaviors, legal issues, or feuds with other celebrities, here is a list of celebrities people just cannot stand.
10 Celebrities Who Are Universally Disliked
Image Credit: Troma Entertainment
We’ve all been there – sitting through a movie that we can’t help but cringe at, but somehow it still manages to hold a special place in our hearts.
These 10 Terrible Movies Are Still People’s Favorites
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NexTier, the holding company of NexTier Bank, will acquire Mars Bancorp, the holding company of Mars Bank. Terms of the deal were not disclosed.
The combined company and branch locations will operate under the NexTier Bank brand, both banks said in a release Thursday. With the acquisition, NexTier Bank will have total assets in excess of $2.6 billion.
Clem Rosenberger, NexTier’s president and CEO, will lead the combined institution. Meanwhile, Jim Dinoise, president and CEO of Mars, will join the NexTier Bank Board of Directors upon the consummation of the transaction.
“This merger ensures our customers will continue to receive access to the products, services, and technology they need while maintaining the relationship-driven, hands-on service they’ve come to expect,” Dionise said in a statement.
Mars Bank — an independent community bank in Pennsylvania — offers mortgage lending, retail and commercial banking in six locations throughout the state.
Mars Bank held $520.8 million in assets as of June 30, 2023.
In the mortgage lending business, Mars Bank offers 30-year fixed conventional, FHA loans, a medical professionals mortgage program, construction loans, home equity loans and Home Equity Line of Credits (HELOCs), according to its website.
Mars Bank posted an origination volume of $50.9 million across 234 loans in the past 12 months, according to the mortgage data platform Modex.
NexTier Bank has 27 branches in western and central Pennsylvania and had $2.1 billion in assets as of June 30, 2023.
In its mortgage division, the bank offers construction, purchase loans, home equity loans as well as HELOCs in addition to providing consumer loans, wealth management and merchant services.
NexTier Bank produced $50.6 million in origination across 205 loans over the past 12 months, Modex showed.
With Change Lending losing the special license, it is no longer included in an online roster from the Community Development Financial Institution (CDFI) Fund, the Treasury unit that administers the program. Also, Change Lending would now have to provide employment verification records, banking activity details, and other documentation that lenders typically require that the CDFI … [Read more…]
Diverse communities inhabit many of Houston’s neighborhoods, adding to a rich cultural experience cherished by many. Because Houston is so large, location is vital. Therefore, finding the perfect place to live that meets your needs while giving you room in your pocketbook is essential.
What is the average rent in Houston?
The average rent for a two-bedroom apartment in Houston, TX, is $1,839 per month. However, many renters can acquire a comfortable two-bedroom apartment for much less than that.
The 10 most affordable neighborhoods in Houston
The key is choosing the right neighborhood that strikes a balance between budget and indulgence. Luckily, there are affordable neighborhoods in Houston that let you do just that! Many of these neighborhoods provide green spaces, easy access to the rest of the city, unique eateries and plenty of homes to choose from.
These are the 10 cheapest neighborhoods in Houston.
10. Northshore
Source: Rent./13029 Joliet St.
Average 2-BR rent: $876
Rent change since 2021: -0.46%
Northshore prides itself on large swaths of green spaces. This neighborhood is the ideal community for those wanting to be away from the hustle and bustle of the city while not being too far away. Retirees, nature-lovers and families with young children will enjoy Northshore’s local parks. Herman Brown Park is a popular relaxation spot with glistening ponds, lush greenery, walking trails, a playground and a picnic area. There are also softball, baseball and soccer fields for sports enthusiasts.
Nearby, Maxey Park unveils 13 acres where dogs can roam off-leash in designated areas. Maxey Park also has pet showers and drinking fountains for your furry friends. As one of the most affordable neighborhoods in Houston, Northshore is definitely worth considering.
9. Belfort Park
Source: Rent./5702 Lyndhurst Dr.
Average 2-BR rent: $848
Rent change since 2021: 0.00%
Belfort Park appears between South Park and Southeast Houston. Rows of affordable housing and apartments characterize this neighborhood, making it a perfect area for renters with young families. Several schools reside close by, including Mading Elementary School, Alcott Elementary School and Bastian Elementary School.
Another perk to living in Belfort Park is that it’s only a short drive away from William P. Hobby Airport, an international airport and the first in North America to achieve a five-star rating. Belfort Park is not only one of the cheapest places to live in Houston, but its residential community is a stone’s throw away from other major areas and attractions.
8. Hollister Manor
Source: Rent./8520 Pitner Rd.
Average 2-BR rent: $848
Rent change since 2021: +2.61%
Hollister Manor presents centrally-located apartment complexes in a decent-sized neighborhood. Pitner Pocket Park sits almost smack dab in the middle of this Houston neighborhood, offering a brief reprieve from the stresses of modern daily life. Not too far from Pitner Pocket Park are James W. Lee Park and Malibu Park.
To the south of Hollister Manor is Hollibrook Elementary School. School-aged children will enjoy the intermittent greenery where they can run and play after school and on the weekends. Adults will also appreciate a place to stretch their legs and get some exercise or have a picnic. In addition to being one of the cheapest neighborhoods in Houston, Hollister Manor is a unique area in which to raise a family.
7. OST-South Union
Source: Rent./7007 England St.
Average 2-BR rent: $848
Rent change since 2021: -0.54%
OST-South Union lies south of Downtown Houston, making it an attractive neighborhood choice. Prime attractions like the NRG Stadium, Houston Zoo, Japanese Garden and the Museum of Fine Arts – Houston are only a car ride away. In addition, the Texas Medical Center is just outside OST-South Union.
Various spots along Martin Luther King Boulevard in OST-South Union invite locals to delve into the city’s history and culture. The Shrine of The Black Madonna Cultural and Event Center hosts various vendors and events. OST-South Union is also an excellent location for those attending the University of Houston, which lies just outside its perimeter. OST-South Union is a culturally diverse area and one of the cheapest places to live in Houston.
6. South Park
Source: Rent./7339 Krueger Rd.
Average 2-BR rent: $848
Rent change since 2021: 0.00%
True to its name, South Park is a neighborhood on the south side of Houston. This quiet neighborhood features intermittent green spaces, businesses, salons and barbershops. F.M. Law Park features trails, a golf course and an indoor learning center. In addition, new attractions are also coming to South Park. In 2023, Southern Snow Park will make its debut in this Houston neighborhood. Southern Snow Park is an amusement park with a 3-D mountain where you can ski, snowboard and practice various runs, despite what the weather is really like outside.
With multiple roads running through and around South Park, the rest of Houston is easily accessible. The fact that this neighborhood is also one of the cheapest places to live in Houston definitely makes it worth looking into.
5. Spring Branch Central
Source: Rent./4014 Willow Springs Lane
Average 2-BR rent: $848
Rent change since 2021: -34.48%
Spring Branch Central is a residential neighborhood with neat amenities. Residents take advantage of facials, body treatments and massage therapy at Skinrosse Clinic Spa before heading right down the road to the Nomad Tavern for barbecue, drinks, live music and a game of pool. Spring Branch Central also boasts an award-winning coffee shop, with Buzz & Bites named in the HoustonPress as the “Best Coffee Shop in Spring Branch/Memorial in 2021.”
Eclectic shops like Indigo Moons sell popular items like crystals, stones, books, jewelry, sage and more. In addition to being one of the cheapest neighborhoods in Houston, Spring Branch Central is community-oriented, with senior living facilities and a well-known school for special needs children.
4. Westwood
Source: Rent./Valle Vista
Average 2-BR rent: $827
Rent change since 2021: N/A
Located to the southwest, Westwood is a residential subdivision. Its various restaurants include Nigerian-style cooking at Safari Restaurant, West African specialties at Afrikiko, Filipino classics at Filipiniana Restaurant, baked goods at Tierra Caliente and Southern-style seafood at Lotus Seafood. Westwood is also the location of X10 Archery, featuring consumer goods and a premier training academy where students learn from some of the most experienced instructors in the state of Texas.
Nearby, Altierus Career College offers healthcare and trade programs to prospective young students. For one of the cheapest neighborhoods in Houston, Westwood has a plethora of apartments, condominiums and townhomes to choose from.
3. Lawndale-Wayside
Source: Rent./Oaks at Wayside
Average 2-BR rent: $798
Rent change since 2021: -14.38%
Lawndale-Wayside sits in the southeast corner of the city. One of its distinguishing features is its historic green spaces. Gus Wortham Park Golf Course is over a century old and one of the most iconic sites in the neighborhood. In fact, it’s the oldest operating golf course in the Lone Star State.
Nearby, Mason Park comprises 104 acres around Brays Bayou, complete with a baseball field, soccer field, tennis courts and swimming pool. On the other side of town, Urban War Zone Paintball provides interactive paintball and laser tag games on an extensive range. The classic area of Lawndale-Wayside is also one of the cheapest neighborhoods in Houston.
2. Eastside
Source: Rent./Villas at Park Place
Average 2-BR rent: $781
Rent change since 2021: -15.54%
Eastside comprises multiple neighborhoods and is a growing residential area. Family-friendly sites like the Houston Botanic Garden are here, which accommodate a wide range of plants and ecosystems. The Houston Botanic Garden has opportunities for community members to volunteer, and it also displays site-specific installations contributed by Eastside artists. In addition, elementary schools abound on the Eastside, and the neighborhood’s affordability attracts couples with young children.
Right outside the boundaries of this Houston neighborhood is the international Port of Houston, which serves as a significant employer in the area. It’s easily accessed via the nearby highway, making for a short work commute. Adding to the Eastside’s attractiveness is the fact that it’s one of the most affordable neighborhoods in Houston.
1. Pecan Park
Source: Rent./6616 Linden St.
Average 2-BR rent: $776
Rent change since 2021: +2.11%
Pecan Park is a residential community perfect for young families and college students. Nearby schools and daycares benefit children while young college students have a short commute to classes at Houston Community College. Specialty bakeries like Panaderia Tierra Caliente and Nancy’s Cake Designs create a quaint atmosphere for many occasions.
Popular places to work out include nearby establishments like A’s Boxing and Fitness and FitnessFX. One of Pecan Park’s primary advantages is the ability to live comfortably while on a budget, and it’s known for being the cheapest neighborhood in Houston.
The most expensive neighborhood in Houston
Downtown Houston boasts business opportunities for professionals, elaborate exhibits and displays for artsy folk, global cuisine for foodies, luxurious outlets for shoppers and major live and sporting events for thrill-seeking fans. No matter your interests, there’s no shortage of things to do Downtown!
This neighborhood is currently the most expensive neighborhood in Houston, with the average two-bedroom rent at $5,005 and a 30.58 percent rent change since 2021.
Find an affordable neighborhood for your next Houston apartment
Rent. is here to simplify your apartment–hunting journey by helping you find apartments for rent in Houston. The cheapest neighborhoods in Houston mentioned in this article provide the perfect place to start looking.
We also cover the costs of living in Houston in our extensive blog section to make things easier for people looking to relocate to this booming city!
Rent prices are based on a rolling weighted average from Rent.‘s multifamily rental property inventory as of January 2022. Our team uses a weighted average formula that more accurately represents price availability for each unit type and reduces the influence of seasonality on rent prices in specific markets. The rent information included in this article is used for illustrative purposes only. The data contained herein do not constitute financial advice or a pricing guarantee for any apartment.
Death may be a natural part of life, but it still catches us off guard. Even when we hear about the passing of our favorite celebrities we’re left with disbelief and heartache. This post will take you on an emotional rollercoaster as we look back at 13 celebrities who died way too soon and sent shockwaves through their fans all over the world.
1. Alan Rickman
Photo Credit: Shutterstock.
“Alan Rickman,” one Redditor commented.
Another user shared, “I heard once that he was the only one who knew Snape’s ending because Rowling told him so that he could play the character more accurately. And the director used to get angry, but Rickman knew he was doing it right. I don’t think it’s true, but I like to think so.”
One user added, “I think it was that he asked her ‘What’s something important about Snape that no one else knows?’ Whe told him he was in love with Harry’s mom. Apparently, this heavily influenced his performance from the start.”
2. Anton Yelchin
Photo Credit: Shutterstock.
One user posted, “Anton Yelchin. He was so young and had such a bright future, and for him to die in such a senseless way was heartbreaking. I still think about it.”
Another commenter replied, “All because of a faulty car.”
3. Grant Imahara
Photo Credit: Shutterstock.
“Grant Imahara,” one user shared.
One user replied, “The Grant Imahara award they give out on BattleBots is a great tribute to him.”
Another user commented, “This is going to sound stupid, but he had an open Facebook account, and I added him; it turns out we shared a birthday; he even posted on my wall one time for it.”
One commenter responded, “It doesn’t sound stupid. It sounds awesome.”
4. Chris Cornell
Photo Credit: Shutterstock.
One user added, “Chris Cornell.”
A second replied, “Black Hole Sun, ‘no one sings like you anymore,’ hits differently now.”
Another user shared, “This one hurt the most. I grew up with his voice, and the worst part was the reminder that you can never outrun your demons, and they can still show up at any age. His voice could always break my heart, but now more than ever.”
5. Norm Macdonald
Photo Credit: SNL Studios.
“Norm Macdonald. Came out of nowhere, such a unique comedian,” one user shared.
Another commenter replied, “I didn’t even know he was sick.”
One Redditor added, “At least he went out killing the cancer too. I call that a draw.”
Another user responded, “One of the funniest norm bits, IMO. Especially after knowing he had cancer when he wrote it.”
6. Phil Hartman
Photo Credit: Shutterstock.
“Phil Hartman,” commented one user.
Another user shared, “Yeah man… saw Andy Dick on tv last night, f- that guy.”
“Remember hearing about Jon Lovitz laying the smackdown on Andy? Yeah, I’d like to see the video,” one user replied.
7. Steve Irwin
Photo Credit: Shutterstock.
One user commented, “My favorite thing was I was mad at the stingray taking him out. Saw another dude who posted a fist at an aquarium saying he should beat up sting rays to let them know Steve Irwin still got shooters out here. Then he posted another picture with his hand to the same sting rays and said, ‘That’s not what Steve Irwin taught me.’”
Another Redditor replied, “I remember seeing a post somewhere some time ago saying that Steve is probably in Heaven now patting that stingray and apologizing to it for startling it and saying ‘No hard feelings mate’ and that made me cry again. It’s definitely him.”
8. Carrie Fisher
Photo Credit: Shutterstock.
“Carrie Fisher followed by her mom, Debbie Reynolds, the next day,” one user exclaimed.
Another user responded, “Man, that was a terrible year. Carrie Fisher, Debbie Reynolds, David Bowie, Prince, Leonard Cohen….”
One commenter added, “The way that year started with David Bowie, then a week later Alan Rickman really set us up for depression. George Michael going on Christmas Day, and Carrie Fisher to end the year was brutal.”
9. Cameron Boyce
Photo Credit: Shutterstock.
One user posted, “Cameron Boyce—grew up with Jessie playing now and then. Awful to lose someone so young.”
Another user replied, “This was my answer too. I’m older, but I watched Jesse with my kids, and we LOVED the Descendants movies!! He was so young and multi-talented. He had a great career ahead of him, and I feel for his family.”
10. Heath Ledger
Photo Credit: Shutterstock.
“Heath Ledger,” one user said.
Another user replied, “The career this man was about to have.”
One Redditor commented, “Same. I had always appreciated him as a teen and then loved the leading man he was turning into heading into my twenties. His death was so surprising and sad.”
11. Anthony Bourdain
Photo Credit: Shutterstock.
One user mentioned, “Anthony Bourdain.”
Another user shared, “That was a gut punch. Even worse that it was suicide.”
One commenter replied, “I don’t usually hold celebrities—people I don’t know—in admiration, but I absolutely did with Anthony Bourdain. He seems like he tricked the world into letting him live his best life while paying him handsomely for it. And in doing so, he injected some much-needed humanitarian perspective into often-forgotten parts of the world.
“‘Travel isn’t always pretty. It isn’t always comfortable. Sometimes it hurts; it even breaks your heart. But that’s OK. The journey changes you; it should change you. It leaves marks on your memory, on your consciousness, on your heart, and your body. You take something with you. Hopefully, you leave something good behind.’
That his death was a suicide—and knowing that he, like me—suffered with anxiety and depression, made this one a blow that really, really hurt.”
One Redditor added, “It’s interesting that everyone was jealous of the lifestyle he seemed to have on his shows. Traveling to incredible destinations and learning about new cultures is something a ton of people were envious of. But he did one interview where he talked about how grueling the schedule was for him. I remember when he talked about the fact that he was rarely home long enough for him to do a whole load of laundry. That always stuck with me,” one user commented.
One Redditor commented, “That was the reason why his second wife, Ottavia, divorced him. During an interview, she said she still loved him and would always love him, but being without a partner for 8 months out of the year wasn’t the life she wanted anymore.”
12. Chris Benoit
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One Redditor posted, “[Chris] Benoit. I was a huge fan of his for a very long time and followed his whole career. I had no idea he could do something like that; it was horrifying.”
One user commented, “I remember watching the WWE tribute to him before the circumstances were revealed. They were doing a storyline in which Vince ‘died’ then to see him the following week with everyone one stage was odd. The news was crazy. Even more so later.”
13. Chadwick Boseman
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One user answered, “Chadwick Boseman. No one really had any idea of his struggle with cancer and only knew him as a beefed-up Black Panther. Dude was a Marvel Superhero, for crying out loud, then one day… gone.”
Another user agreed, “Same here. It was a shock for sure.”
One Redditor added, “That death really hit me hard. It still does to this day—one of the few deaths that made me break down crying. He wasn’t only a comic book hero. He was a hero for so many black children (even adults like myself) because seeing ourselves represented in such a positive and impactful way invoked so much pride. Because I had most of what I needed, I went as Killmonger for Halloween after that movie came out!
“That movie hit differently for the black community, so his death was devastating. To know he was battling that cancer while he was filming Black Panther, while also visiting children with terminal cancer, just… Ugh… We lost a good one. RIP.”
One user shared, “That one hit my son hard. We’re actually white, but Black Panther was his absolute favorite superhero and still is. And that was such a significant relief to me. As a parent, particularly in a rural area, I’m always concerned that he may pick up bad ideas from kids at school or wherever. While I don’t think it should be necessary, Black Panther was a great representative of positivity for the black community, and for my white son to have a black superhero as his favorite gave me quite a bit of relief that he’s not picking up racist ideas from his peers.
“When I told my son what happened, he teared up. He didn’t cry, but he’s still bummed to this day about him dying.”
Do you agree with the list of actors above? Share your thoughts!
Source: Reddit.
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One year ago, the Community Mortgage Lenders Association merged with the Community Home Lenders of America, creating the Community Home Lenders of America.
What have we learned from the last year? First, there is a critical need for a national trade group that distinctly and vigorously advocates for the interests of small and mid-sized independent mortgage banks.
When Silicon Valley Bank imploded, certain parties in Washington re-doubled their efforts to engage in scaremongering Washington policy makers about the alleged significant taxpayer “risks” of IMBs. This allegation is unfounded – but these types of claims can have consequences, they can’t go unchallenged.
So, CHLA promptly released a report decisively rebutting the overhyped claims of IMB risk, documenting the “ubiquity” of both financial and consumer regulations on IMBs, and explaining how regulatory overreach could undermine the availability of affordable mortgages precisely at a time when homeownership challenges are rising because both mortgage rates and home prices are rising.
We have learned (or reaffirmed) that there is a critical need for an association that continues to educate Congress and federal agencies about the key role of IMBs in access to mortgage credit, leading the market in originating loans for minority, underserved, and first-time homebuyers.
Last October, CHLA continued the practice of releasing an annual “CHLA IMB Report.” This report explains what IMBs are, uses statistics to show the growing mortgage market dominance of IMBs (e.g., IMBs originate 90% of FHA and VA loans), and highlights the key issues for IMBs, along with practical policy recommendations.
We have learned that a larger organization means more resources, more member expertise, and a diversity of opinion that strengthens our advocacy efforts. CHLA and CMLA had represented slightly different arcs of the market for smaller lenders. The combined group gives us more breadth, ranging from the smallest IMBs to much larger mid-sized IMBs that securitize FHA, VA, and GSE loans
On behalf of small correspondent lenders, for example, CHLA has advocated for a Ginnie Mae cash window and a proposal to make aggregators more accountable to correspondent lenders in challenging GSE repurchase requests. Large mortgage lenders often have their own lobbyists in Washington or an outsize role in trade groups. So CHLA sees vigorous advocacy on behalf of smaller IMB lenders as an essential part of our mission.
We have learned that a larger organization translates into significantly greater policy successes. Key priorities that CHLA has been an acknowledged leader on came to fruition this last year – including an FHA premium cut, a number of much appreciated flexibility provisions related to Ginnie Mae pooling, and divestitures by ICE in response to CHLA criticism and FTC opposition to their purchase of Black Knight (although our push to fight abuses continues).
We learned (or reaffirmed) that having a bottom-up, member-centric trade group makes it easier to set priorities and take actions that reflect what matters most to community-based IMBs. Many initiatives CHLA pursued this last year were issues that Members suggested on our weekly calls. These resulted in CHLA proposals to reign in abusive trigger leads, to fight FICO’s 400% discriminatory fee hike and to develop proposals to recruit more minority and underserved loan originators (the best way to help IMBs do an even better job of serving those borrowers).
Finally, we have learned (or reaffirmed) that a trade group does not just have to reflexively advocate for special interest provisions for their members, but also has a vested interest in consumer protections.
Consumer confidence in the mortgage process is critical to the success of mortgage lenders and the right thing to focus on. So, CHLA recently released its “Consumer Bill of Mortgage Rights,” identifying seven critical gaps on mortgage consumer protections.
These include universal licensing of all loan originators, reigning in trigger leads, rolling back the FICO credit score hikes, consumer protections for dual compensation, and FHA ending their Life of Loan premium policy.
We can’t wait for the next year. And any IMB that likes what we are doing, give us a call, join our mission.