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Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Agents Flood Insurance Home Homeowners Insurance Value Insured About Author: Radhika Ojha What Owners Want From Home Insurance October 15, 2018 1,298 Views Home / Daily Dose / What Owners Want From Home Insurance Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Servicers Navigate the Post-Pandemic World 2 days ago Related Articles Sign up for DS News Daily Agents Flood Insurance Home Homeowners Insurance Value Insured 2018-10-15 Radhika Ojha Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago in Daily Dose, Featured Previous: FHFA Weighs in on Foreclosure Prevention Next: Vacant Property Taxation Put to the Vote The Best Markets For Residential Property Investors 2 days ago Share Save The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Homeowners tend to view the agents who look after their property’s insurance, as those who generally give them the right advice and would not hurt their real-estate investment, according to a recent survey by ValueInsured.However, the survey, which asked homeowners to share their opinion of their homeowners’ insurance agent found that four out of ten respondents expressed unflattering or indifferent attitudes towards those who advised them on how to protect their home.While 27 percent of those surveyed said that their agents had the homeowner’s best interest in mind, 22 percent described their agent as a one-time transactional “middleman,” the survey revealed.The survey also indicated that while 25 percent respondents considered their home insurance agent as a trusted adviser, 20 percent described them as a paper pusher who they never heard from except during policy renewal time. Five percent of the respondents admitted that they had no opinion or familiarity with their homeowners’ insurance agent.”The findings highlight the perception of passiveness of some agents, which may have contributed to the image of paper pushers and transactional middlemen associated with some agents,” ValueInsured said.ValueInsured also asked the respondents if their insurance agent demonstrated any other positive traits. Only 21 percent reported them to be innovative and 14 percent said they were resourceful, the survey found.The survey said that homeowners wished their agent could be more proactive, consultative, and could do more to protect them and their properties. “Currently, the relationship is not an engaging or high-touch one, which could lead to high turnover rate,” it revealed.With the recent natural disasters, homeowners insurance has taken center stage, giving agents a window to proactively reach out to homeowners. According to a recent report from Urban Institute, with the number of flood insurance policies in force through the National Flood Insurance Program decreasing in the past 10 years, many homeowners are left without flood insurance, sitting at just over 5 million in 2018. Even with private policies playing an increased role in the future, the current system leaves too many homeowners vulnerable when disaster strikes, the research found.Read more about the reach of flood insurance:Analyzing the Reach of Flood Insurance Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Print This Post Demand Propels Home Prices Upward 2 days ago Subscribe
Winkworth is back on the franchise network expansion path after a two-year hiatus, the company has revealed with at least six opening this year.This includes one already open for business, two to start up over the next fortnight and a further three to open later in the year including several in South West London.These openings include an existing franchisee from Sway in Hampshire who is preparing to set up shop in Milford-on-Sea, while an existing 22-year-old business in Kingsbury, North London is converting to Winkworth, and due to open next week as well.Also, the company says it youngest franchisee – at 27-year-old – is about to open up shop in Cheltenham after spending several years working at its Dulwich, South London branch. He is Tom Mayfield (pictured, left), who before joining Winkworth worked for Carter Jonas.“We have been concentrating on portfolio management as franchisees retire, and we’ve been dealing with that by selling both within the network, but also outside it,” says business affairs manager Gina Piper.Franchise manager“But now we’ve also hired a new franchise manager, James Campbell (pictured, right), who has a strong lettings background.”Gina says Winkworth has seen increasing share of its revenues coming from lettings – up from 30% a couple of years ago to 48% at the moment.“Letting has become more and more important, particularly when the sales market is a bit slow, as it is now,” says Gina.She also says Winkworth is not worried by the looming letting fees ban after crunching the numbers on where its rental sector revenue comes from.“The extra letting fees that many of our competitors rely on heavily are not part of many of our franchisees businesses, unlike many of our competitors, so I don’t think it will have an overall impact on us,” she says.gina piper james campbell winkworth May 17, 2017Nigel LewisWhat’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 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021 Home » News » Agencies & People » Winkworth returns to franchise expansion in 2017 with six new branches previous nextAgencies & PeopleWinkworth returns to franchise expansion in 2017 with six new branchesCompany says this ends a two-year period of relative quiet as it managed a tranche of retiring franchisees.Nigel Lewis17th May 201701,285 Views
One Way States Can Help Student Loan BorrowersDecember 14, 2015 By Sophie Quinton-The Pew Charitable Trusts Research & Analysis StatelineSen. Chris Murphy, a Connecticut Democrat, lends his support to a bill that would allow the federal government to refinance student loans. As his home state shows, there’s plenty states can do to help borrowers in the absence of federal action.Ali Sinicrope and her husband would like to buy a house, but they’re not sure they can afford it. They’re public school teachers in Middletown, Connecticut, and they owe $80,000 in student loans.“It just adds up,” Sinicrope, 40, said of the $600 monthly payment her family strains to make. “That’s less money, now, that we can save toward a house, that’s less money that we can put toward our kids’ college tuition.”Connecticut lawmakers want families like the Sinicropes to spend less on student loan payments and more on everything else. Starting next year, the state will offer a refinancing program that’ll allow some borrowers to save money by lowering the interest rates on their loans.“The burden of this debt is a real millstone around the neck of our economy, and we need to address it,” said state Rep. Matt Lesser, a Democrat who represents Middletown. Almost 18 percent of Connecticut residents who have a credit file have student debt — $31,100, on average, according to the Federal Reserve Bank of New York.Although the federal government dominates the student loan market, there’s much states can do to help borrowers who are struggling.States have long recruited doctors, dentists and teachers to underserved areas by promising to forgive or repay their student loans. Now, some states are establishing refinancing programs. Connecticut has gone further this year. Not only did Democratic Gov. Dannell Malloy sign a law creating a refinancing program, he also signed one that laid ground rules for student loan servicers and created a student loan ombudsman’s office that will advise borrowers.Such efforts won’t stop college costs from rising. The University of Connecticut’s trustees meet this week to decide whether to raise tuition by 31 percent over four years. The state flagship says it needs to boost tuition partly to offset reductions in per-student state funding.Lesser said lawmakers need to find ways to fund state higher education systems and slow tuition growth. But for many Americans, he points out, the damage already has been done.Nationwide, Americans owe about $1.3 trillion in student debt. Last year, 35 percent of student debt was held by borrowers over age 40, according to the New York Fed.How State Refinancing Programs WorkMost Americans rely on student loans to pay for bachelor’s degrees and graduate studies. In 2011, 68 percent of students who’ve been in college for four or more years reported having taken out a student loan — primarily federal loans, according to the most recent data from the National Center for Education Statistics.A generation ago, many Americans got their federal student loans through states. Almost every state had an office that issued federally guaranteed loans. After the U.S. Department of Education began issuing loans directly in 2010, some state student loan authorities closed their doors.Eighteen states, including Connecticut, still issue student loans through their own student loan authorities (or in North Dakota’s case, a state bank), according to the Education Finance Council, a trade group. State agencies generally finance their loans by selling low-interest, tax-exempt bonds.Rhode Island’s student loan authority (RISLA) developed a refinancing program after listening to borrowers, said Charles Kelley, the agency’s executive director. People kept asking if there was anything the agency could do to reduce the interest on their loans, in the same way that banks can reduce the interest rate on a mortgage when interest rates fall, he said.It’s hard to get a better deal on a loan than a subsidized, federal undergraduate loan. Right now, they’re available at a 4.29 percent interest rate, and the federal government pays the interest while borrowers are in school. Loans for graduate students are pricier, as are federal parent loans. Private loans can be expensive, as can older federal loans, issued before the financial crisis.“We had people coming to us with federal parent loans that were 7.9 or 8.5 percent fixed,” Kelley said of the interest rates he saw. Borrowers with old loans issued by the Rhode Island agency also wanted to know if they could refinance.RISLA launched its program 18 months ago. So far, the authority has refinanced loans for 349 borrowers, primarily people who live in Rhode Island or went to college there. For now, it’s paying for the program with taxable bonds.Lauren, a Rhode Island teacher who didn’t want to disclose her last name because she’s revealing personal financial information, refinanced a private student loan through the program last year. “I’ve been repaying for seven years,” the 29-year-old said of her debt. She chose the lowest-cost option: a five-year loan that can have an interest rate as low as 4.24 percent.Seven states had approved or piloted a student loan refinancing program as of November, according to the National Conference of State Legislatures. The U.S. Treasury Department cleared the way for more states to adopt such a program last month, when it approved the use of tax-exempt bonds for student loan refinancing.For states that already have a student loan program, setting up a refinancing program costs next to nothing. RISLA didn’t need legislative approval to get started. Connecticut’s program, created by law earlier this year, will begin with a pilot funded by transferring $5 million from one of the student loan authority’s subsidiaries.But Who Will Benefit?State refinancing programs tend to be open to more borrowers than programs offered by banks or other private lending companies, said Debra Chromy, president of the Education Finance Council, a national association. Still, refinancing isn’t for everyone.Lenders have to be reasonably sure that borrowers will repay their loans. This year, a Goldman Sachs report estimated that about $211 billion in student loans could be eligible for refinancing. That’s a lot of money, but only enough to cover less than a fifth of outstanding student loans in the U.S.Unlike some private companies, the Rhode Island authority will work with borrowers who have missed a few loan payments. But its refinancing program does require borrowers to earn at least $40,000 a year and have a FICO credit score of at least 680. Nationally, most people under 30 have a FICO score below 700.And refinancing may not be the best option for all borrowers. Teachers like Lauren and the Sinicropes, for example, may be able to wipe out part of their debt obligation by qualifying for federal loan forgiveness, depending on where they teach and how long they plan to stay there.In Wisconsin, Republicans have resisted Democrats’ push to create a student loan refinancing authority. In May, Republicans on the Joint Finance Committee argued that students should consider whether their degrees will pay off before taking on debt, according to The (Madison) Capital Times. The head of the state Higher Educational Aids Board said establishing the program could create a false sense of security for students.Refinancing programs primarily benefit borrowers who are surviving without help. Think middle-class professionals like the Sinicropes, who took on debt to go to a private graduate school and are managing to stay on top of their payments.But surviving isn’t the same as thriving. Lauren from Rhode Island said she’s lucky she can afford to make her payments, but handing over the money still stings. “I just imagine all the things I could be doing with that money, and it makes me sick sometimes,” she said.“This is largely going to help people who are already paying their loans and have a strong credit record, but they might be able to save some substantial money — enough for them to pay a down payment to buy a home, or save up to start a small business,” said Rohit Chopra, former student loan ombudsman at the federal Consumer Financial Protection Bureau.Ali Sinicrope estimates that it’ll be years before she and her husband have paid off their debt. Their education expenses probably won’t end there: in six years, their twin sons will graduate from high school. “That’s going to be two college tuitions at the same time,” she said. FacebookTwitterCopy LinkEmail
While often raised in religious traditions, many young people, known as the “Nones” do not identify with any single faith. Bishop Robert Barron, founder of Word on Fire ministries, is seeking to evangelize this population, he said in a lecture at Leighton Concert Hall on Monday.“ … The situation of young former Catholics is at the same time, something of an indictment of our educational, catechetical strategies, and I believe this, at the same time, a real Kairos,” he said. “It’s a privileged moment to connect with young people. It’s a call to action. It’s all of that at the same time.”Citing the research of Notre Dame professor Christian Smith, Barron explored the trends amongst formerly Catholic young adults. One finding, he said, was that most people in this demographic believe in a god of some sort.However, he said, many do not have a clear sense of who God is, revealing a “rather deep confusion.”“I’ve found in my own work with young people that the Augustian anthropology ‘Lord, you have made us for yourself, therefore the heart is restless until it rests in you,’ still provides a good deal of traction,” he said. “People instinctively know that none of the goods of this world finally satisfy the longing for joy that’s hard-wired into them. Tapping into this delicious dissatisfaction, if I can riff on a theme of C.S. Lewis, ought to be central to any program of our evangelizing of the young.”Barron said young, former Catholics often have religiously diverse family and friends, referencing Smith’s research. For fear of conflict, they avoid religious discussions, Barron said, and consequently, believe religion results in one of two extremes: violence or “bland toleration.”An alternative to these polar opposites, Barron said, is religious argument.“One can marshal evidence, form hypotheses, cite authorities, make illuminating analogies, draw conclusions — in a word, one can make arguments religiously,” he said. “And contra Kant, it matters very much what we believe in regard to doctrine. Why? Ethical imperatives are grounded finally in certain metaphysical and anthropological convictions. Just as flowers will eventually wither once they’re removed from the plant that sustains them, so ethical principles will as they are disassociated from a doctrinal framework.”Many of the “Nones” subscribe to relativism, hindering them from committing to any single religion, Barron said.“In the measure I cannot or will not decide, I can remain permanently uncommitted,” he said. “But see, when we see this precisely in the religious context, we see how debilitating it is, for it means irresponsibility in regard to the highest and most important things. Not to take a judgment, not to take a stand.”Former Catholics often object to the religion on the grounds that faith is incompatible with reason, Barron said. In part, he said, this trend can be traced to a “dumbing down” of Catholicism and a failure to cultivate the intellectual aspects of Catholicism.“Now mind you, I’m a Catholic,” Barron said. “We’ve got a broad sense of what this is all about. Does emotion belong to the faith? Yes. Does the experiential? Yes. Please don’t misconstrue me here. But I think we have underplayed at least at the catechetical level, the intellectual.”Barron cited the biblical story of Samuel and Eli, wherein a young man, Samuel, hears the voice of God, but must rely on the guidance of Eli, his elder, to discern this voice. As in the this story, Barron said, young people need the guidance of older generations to truly live the Catholic faith.“We need, it seems to me, an army of Elis to rise up who know how to hear and interpret the word of God and help our young people to discern that voice … so they can move out of that space of the ego drama and learn to live in this wonderful expansive space of God’s great drama for them,” he said. “I think that’s the challenge today. And that’s the great opportunity.”Tags: Bishop Robert Barron, cultures of formation, McGrath Institute for Church Life, Word on Fire Catholic Ministries
The free, 24-hour temporary ferry between Crown Point, New York and Addison, Vermont, is now open to the public as of 5 am this morning. Governor Douglas was joined by New York State Department of Transportation (NYSDOT) Acting Commissioner Stanley Gee to greet the first passengers of the new temporary ferry near the site of the Lake Champlain Bridge. The ferry began running Monday morning in time for the early morning commuters as they headed off to work. The ferry will operate year-round between Crown Point, NY and Chimney Point, VT, every day – 24 hours a day, 7 days per week – at no charge to the public. Currently, the ferry is scheduled to depart from Chimney Point on the hour and half hour and depart from New York at 15 and 45 after each hour. Initially there is a 15 ton 2-axel weight restriction per vehicle.“This is an important step to restoring the economic and community connections that have been severed by the closing of the Champlain Bridge,” Governor Douglas said. “This new ferry will run continually until a new bridge is constructed, and its 24-hour service will allow residents and businesses from both states to begin to return to something very close to normal.”“I was pleased to be on hand in Crown Point last week to announce that the ferry would soon open to help get New Yorkers and Vermonters back to more normal lifestyle,” Governor David A. Paterson said. “Since the bridge closed, New York’s Department of Transportation and Vermont’s Agency of Transportation have worked tirelessly to reconnect our States and reestablish commerce throughout this corridor. Now that the ferry is open, we look forward to building the new signature Lake Champlain Bridge in the footprint of the former one.”For the ferry’s first few weeks of operation, there will be a two axle, 15-ton weight limit for vehicles without exception. This temporary restriction will be increased to 40 tons and multiple axles within a few weeks to coincide with the opening of a second ferry slip.The new temporary ferry, operated by the Lake Champlain Transportation Company, will provide free, year-round, 24-hour, seven-day-a-week service connecting Addison, Vermont to Crown Point, New York. The ferry will depart Vermont on the hour and half-hour, and New York on the quarter hour and three-quarter hour. The crossing is expected to take about 15 minutes, which includes boarding and disembarking the boat. Commuting time between Vermont and New York will be cut drastically, reestablishing commerce and emergency services along the corridor just a few hundred feet south of the former Champlain Bridge.Work continues to construct a second ferry slip on both sides, at which time a second boat will be added at Crown Point. Shortly thereafter, ferry service at Essex/Charlotte will be scaled back and cease to be free.“We believe it will take a little while for people to adjust their commuting behavior and transition their travel patterns back to Crown Point,” said David Dill, Vermont’s Transportation Secretary. “To ensure that no one is caught off guard, we will continue to subsidize the Essex/Charlotte ferry for a couple of weeks, but eventually that service will return to its normal fee-for-service operation.”“I commend the transportation staff and contractors in both New York and Vermont for their dedicated efforts to build the roads, ramps and docks necessary to support the new temporary ferry operation at Crown Point,” said Acting Commissioner Gee. “Despite the bitter cold, high wind, snow, and other winter weather, nothing stopped them from accomplishing this important goal. We owe a tremendous debt of gratitude to those who put their own lives on hold to help us get the lives of those in the North Country back on track as soon as possible.”Construction of the new Crown Point ferry began in November shortly following the sudden closure of the Champlain Bridge. The ferry will remain in service until a new bridge is constructed, which is expected to be by the end of summer 2011.Please visit the websites www.lcbclosure.org(link is external) or www.ferries.com(link is external) for the most current and up-to-date information about the ferry and progress on the new Lake Champlain Bridge.###
Students will return to in-person learning on Oct. 14. BINGHAMTON (WBNG) — 7 through 12th grade students at Seton Catholic Central will move to remote learning after the Broome County Health Department notified the school that it has two positive cases of COVID-19 in its facility. The school says it will notify the community if any more changes to the school calendar occurs. The school says the decision to switch to remote learning was based on several factors. Including: Broome County Executive Jason Garnar’s request for people to stay home and the rising number of cases in Broome County. In a news release, the school said the decision was not easy but administrators feel the decision was made for the best.
These days, nobody is immune from curses.There’s the Curse of the Bambino, which affected the Boston Red Sox for 86 years. Then there’s the Unforgivable Curses, which did not come from Harry Potter but actually that YouTube guy who just wanted a chicken sandwich and some waffle fries. Anybody in theater knows about the Curse of Macbeth, which has recently been changed to the Curse of McNabb since anybody who gives Donovan McNabb money must exit the stadium and punch themselves in the face three times before seeking permission to re-enter.Run over · Senior running back Allen Bradford has yet to beat Oregon State in Corvallis, Ore., in his five years on the team. With the Beavers coming off a loss to Washington State, the Trojans have a good chance to win Saturday. – Tim Tran | Daily Trojan The USC Trojans are also suffering from a curse — the Curse of Corvallis.For some reason, USC has had trouble winning at Oregon State, located in Corvallis, Ore. The Trojans have lost two in a row in the city that won the 2003 Sidewalk Award from the da Vinci Days Community and Design Committee.But Saturday’s game presents the best opportunity for the Trojans to dash past the Beavers and break the curse.Yes, the Trojans are ranked higher than the Beavers and are favored coming into this game. But that’s not why this year gives them the best chance to win. In fact, in the previous two losses USC had better odds of winning than those of Tony Parker and Eva Longoria breaking up. Both losses cost the Trojans shots at the national title. The 27-21 upset in 2008 came when USC was ranked No. 1 in the country, and the 33-31 loss two years prior came when the Trojans were ranked No. 3. Oregon State was unranked both times.So, what happens in Corvallis?“I couldn’t tell you,” senior center Kristofer O’Dowd said. “It’s kind of eerie because I haven’t won there yet in my career here. But we’re switching things up a little bit. I know we’re staying at a different hotel, so I think that might be the reason. I think they’re poisoning the water or something like that.”It’s not like Oregon State has been untouchable at home, although the Beavers have been pretty good. In 2006, two of its four losses came at home. Since then, it has lost six home games over the last four years.It’s just that USC has taken up camp at the bottom of Crater Lake. The Trojans haven’t won in the state of Oregon since 2005 and have lost eight of their last 11 games played in Oregon dating back to 1998. Part of the reason USC won the national title in 2003 was because it didn’t have a game in Oregon that year (in the interest of full disclosure, it did play in Oregon in 2004 and 2005 and won, though it eked out a 28-20 win in 2004 after going down 13-0 to the Beavers).There are a couple things that set this year up so nicely for the Trojans to eradicate the angry Beavers. First, Oregon State is coming off of a humiliating loss to Washington State at home. Nobody loses to Washington State. Even Sarah Palin could beat Washington State.So the Cougars, who got their first Pac-10 win since 2008, showed that there’s no magic to beating the Beavers in Corvallis. If that’s not the ultimate confidence booster for the Trojans, then they can take solace in this: UCLA beat the Beavers the week prior to Washington State’s first victory since the Great Depression.For those of you who haven’t been following the Bruins this year — which I assume is a large majority because there really is no reason to — they are on about their sixth quarterback, although to their credit they do have a solid field goal kicker who’s made 10-of-13 field goals from 50-plus yards, including the game-winner to defeat the Beavers.That’s all without mentioning that the Beavers are without half of their gin and tonic. They still got the gin, the smooth, silky, effective running back Jacquizz Rodgers, but the tonic, Rodgers’ big brother James — the Beavers’ primary receiving threat who neutralized defenses and kept them from focusing on Jacquizz — is out for the year after he injured his left knee against Arizona in early October.However, that all focuses on other teams. Although this Trojan team is not as strong as the ones that visited Corvallis in 2008 and 2006, it nonetheless has the weapons to defeat the Beavers. Sophomore quarterback Matt Barkley is tied for fourth in the nation with 25 touchdown passes, and redshirt junior running back Marc Tyler ran 31 times for 160 yards in last week’s win against then-No. 18 Arizona. The defense is finally coming into its own, especially the front seven, and freshman receiver Robert Woods looks to be cured after falling ill a few weeks ago.Word on the street was that he was healed by a voodoo witch doctor from the middle of the Amazon Rainforest.Yup, the time is right for the Trojans to go up to Corvallis and break the curse – once and for all.“Spittin’ Sports” runs every Thursday. To comment on this article, visit dailytrojan.com or e-mail Kenny at [email protected]
The Bowling Green team celebrate their win in an NCAA college football game against Northern Illinois at the Mid-American Conference championship in Detroit, Friday, Dec. 6, 2013. Bowling Green defeated Northern Illinois 47-27. (AP Photo/Carlos Osorio)After one of the biggest wins in school history in Detroit, Bowling Green is headed back to Ford Field.The MAC champion Falcons will face Pittsburgh of the ACC in the Little Caesars Pizza Bowl on Dec. 26.The Falcons (10-3) beat previously undefeated Northern Illinois 47-27 in the MAC title game at Ford Field on Friday night, their fifth straight win.It’s the third bowl bid in five seasons for Bowling Green and the 11th in school history. But it’s also the program’s first trip to the Pizza Bowl in 10 years.“We are excited to play in a great environment like Ford Field again, so close to our campus, with our fans and students being able to make the trip,” Falcons coach Dave Clawson said.Pitt will be making its sixth straight trip to a bowl game and will be the first ACC team to make the trip to Detroit.The Panthers, who went 3-5 in their first season in their new league, are 2-1 against Bowling Green since 1999.“Bowling Green was impressive not only in their MAC Championship win, but all season long and we have a competitive game of football ahead,” Pitt coach Paul Chryst said.The Falcons rank fifth in the nation in scoring defense at just 14.8 points a game, although they gave up 42 points in a loss at Indiana.Pitt has been one of the worst teams in the country at running the ball, but Tom Savage has thrown for 2,834 yards and 21 touchdowns this season.
SAN FRANCISCO–During the first week of spring training, the Giants began preparing for a special tribute.Bruce Bochy announced the 2019 season will be his last as the team’s manager on February 18, giving the Giants more than six weeks to plan a way to honor the legendary manager at the team’s home opener on April 5.Shortly thereafter, Bochy also began planning for the day. He wanted to set his rotation so right-hander Dereck Rodríguez would take the ball as the Giants’ starter.“We just …