Data Provider Black Knight to Acquire Top of Mind 1 day ago Related Articles Subscribe in Daily Dose, Featured, News The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 1 day ago Sign up for DS News Daily Print This Post A life preserver of sorts will be available to homeowners submerged in the troubling waters of flooding, according to the National Association of Realtors— that is thanks to action the Federal Housing Administration (FHA) announced last week, related to the extended availability of additional private flood insurance options to U.S. consumers.The FHA proposal would pave the way to the use of private insurance—as long as it meets the agency’s definition, in conjunction with recent federal laws and pro-consumer industry practices. It’s a significant shift from current FHA regulations, established in 1999. Under those circumstances, homeowners with FHA-insured mortgages could only secure insurance from the National Flood Insurance Program.”America’s 1.4 million Realtors are grateful to see the FHA take steps to make more private flood insurance options available to U.S. consumers,” said NAR President Vince Malta, broker at Malta & Co., Inc., in San Francisco. Outdated federal regulations have for too long prohibited lenders from accepting private flood insurance that is often more affordable and more comprehensive than NFIP policies. Although regulatory hurdles remain before this proposed rule is finalized, NAR looks forward to continuing our work alongside the FHA, HUD and President-elect Biden’s administration to make private flood insurance more readily available to American property owners, Malta continued.Malta sent a letter to HUD’s Assistant Secretary for Housing, Dana Wade earlier this year, reinforcing the NAR’s desire to see more private flood insurance options available in the marketplace.”NAR members can provide numerous examples where the market has offered better coverage at lower costs than the NFIP, but the 1999 rule needlessly constrained consumer choice and created inequities between FHA and more conventional loan holders,” Malta wrote. “The 21-year-old rule must be updated to reflect current market realities or the FHA risks losing market share.”Earlier this month, the FHA published a proposed rule that would allow a private flood insurance option instead of insurance through the National Flood Insurance Program (NFIP), when flood insurance is required by FHA.In September, the White House signed a resolution that included an extension for the NFIP until September 30, 2021.The changes, proposed Tuesday, would allow lenders to begin accepting private flood insurance policies for single-family insured loans for homes located in Federal Emergency Management Agency-designated Special Flood Hazard Areas (SFHAs), consistent with similar provisions in use by other industry participants.“Our proposal would expand the options for obtaining flood insurance, rather than continuing to lock in borrowers to one federal option without any ability to comparison shop,” said Assistant Secretary for Housing and Federal Housing Commissioner Dana Wade. “We are also proposing important safeguards that will help protect borrowers, so their homes will have flood insurance coverage at a level at or above the level available through the National Flood Insurance Program.” The Best Markets For Residential Property Investors 2 days ago Share Save Data Provider Black Knight to Acquire Top of Mind 1 day ago Demand Propels Home Prices Upward 1 day ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago 2020-11-16 Christina Hughes Babb November 16, 2020 1,070 Views Agents Embrace Effort to Expand Private Flood Insurance Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Home / Daily Dose / Agents Embrace Effort to Expand Private Flood Insurance Servicers Navigate the Post-Pandemic World 1 day ago Chuck Green has contributed to the Wall Street Journal, Washington Post, Los Angeles Times, San Francisco Chronicle, Chicago Tribune and others covering various industries, including real estate, business and banking, technology, and sports. Previous: A Week of ‘Strong Forbearance Improvement’ Next: Back to the Future With California’s Regulatory Reforms About Author: Chuck Green Servicers Navigate the Post-Pandemic World 1 day ago
Pinterest WhatsApp WhatsApp Facebook By News Highland – June 16, 2014 Twitter RELATED ARTICLESMORE FROM AUTHOR Gay Byrne says perception of garda inaction is contributing to a higher road crash rate Previous articleTrout Anglers Federation Chairman calls for negotiations to resolve Gweebara disputeNext articleProfessor of Psychiatry calls for inquiry into former Psychiatric Institutions News Highland PSNI and Gardai urged to investigate Adams’ claims he sheltered on-the-run suspect in Donegal HSE warns of ‘widespread cancellations’ of appointments next week Google+ Twitter Man arrested on suspicion of drugs and criminal property offences in Derry News Pinterest Google+ Gay Byrne has denied he had a serious row with the former Garda Commissioner over penalty points revelations.Gay Byrne says he spoke with Martin Callinan about resources, and also discussed John Wilson and Maurice McCabe’s evidence about the quashing of penalty points. There was a disagreement, he says, but no “blazing row”.The broadcaster is leaving his position as Chair of the Road Safety Authority after 8 years in the role citing a lack of garda presence and resources to enforce the law on the roads.He told the Shaun Doherty Show today he had recently travelled from Dublin to West Donegal and back without seeing a single garda, and that is not acceptable.Mr Byrne says the perception is that garda road campaigns are confined to Bank Holiday weekends, and that is contributing to an increase in collisions and injuries………..Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2014/06/gaybo.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Facebook Dail to vote later on extending emergency Covid powers Man arrested in Derry on suspicion of drugs and criminal property offences released 365 additional cases of Covid-19 in Republic
Former movie producer Harvey Weinstein was convicted of sexual assault and rape in a New York court on Monday and taken away in handcuffs, a turning point for the #MeToo movement that inspired women to publicly accuse powerful men of misconduct.Once one of Hollywood’s most influential producers, Weinstein, 67, was found guilty of sexually assaulting former production assistant Mimi Haleyi in 2006 and raping Jessica Mann, a onetime aspiring actress, in 2013.The jury of seven men and five women acquitted Weinstein on the most serious charges. Those carried a potential life sentence. Justice James Burke ordered Weinstein to be held in custody. Officers helped Weinstein unsteadily to his feet before leading him away in handcuffs.Actress Rose McGowan, who had accused Weinstein of rape, wrote on Twitter: “Today is a powerful day & a huge step forward in our collective healing.”He faces up to 25 years in prison on the sexual assault conviction. He was also convicted of third degree rape – sexual intercourse without consent – which carries a prison sentence of up to four years.His sentencing hearing was set for March 11. Weinstein’s lawyer Arthur Aidala quoted Weinstein as saying to him after the verdict, “I’m innocent. I’m innocent. How can this happen in America?”Weinstein was being taken to a medical facility at Rikers Island jail, Aidala said outside the courtroom. “We will have a very professional appeal done by the best and the brightest in the business,” he said.A long legal battle in the appeals courts is likely to ensue. At the start of the trial, defense lawyers accused the judge of bias, the prosecutors of withholding evidence, and the media of turning the trial into a circus.Weinstein still faces sexual assault charges in California, which were announced just hours after his New York trial began on Jan. 6. Dozens of women have also filed civil lawsuits against him.”We will change the laws in the future so that rape victims are heard and not discredited and so that it’s easier for people to report their rapes,” actress Rosanna Arquette, who has said she resisted unwanted sexual advances by Weinstein, wrote on Twitter.ACCOUNTABILITYMore than 80 women, including famous actresses, had accused him of sexual misconduct stretching back decades. He had denied the accusations and said any sexual encounters were consensual.Manhattan District Attorney Cyrus Vance said at a news conference: “It’s a new day because Weinstein has finally been held accountable.” He praised the jurors. “Your verdict turned a page in our criminal justice system.”To the survivors: I owe and we owe an immense debt of courage to you,” Vance said.The jury acquitted Weinstein on two counts of predatory sexual assault and first degree rape – forcible sexual intercourse – of Mann.A conviction on predatory sexual assault would have required the jury to find that Weinstein also sexually assaulted actress Annabella Sciorra in 1993 or 1994.Sciorra, best known from the television show “The Sopranos,” testified that Weinstein forced his way into her home one winter night, raped her and forced oral sex on her. By law the accusation is too old to be charged as a separate crime.Weinstein made his mark with critically acclaimed films such as “The English Patient” and “Shakespeare in Love.””The jury worked with an incredibly narrow and unjust set of laws governing sexual assault, and though he was not convicted on all counts, HarveyWeinstein will have to answer for his crimes,” according to a statement released on behalf of the #MeToo movement.Asked by reporters outside court how the jury service experience was for him personally, jury foreman Bernard Cody said: “Devastating,” but declined to elaborate.During his trial, Weinstein often appeared feeble, entering the courthouse using a walker. He sometimes leaned on lead defense lawyer Donna Rotunno for support. Critics had accused Weinstein of playing up medical problems to win sympathy. Weinstein said he had back injuries.Prosecutors portrayed Weinstein as a serial predator who had manipulated women with promises to open doors in Hollywood, coaxing them to hotel rooms or private apartments and then overpowering and violently attacking them.During the trial, the prosecution methodically elicited graphic testimony from several accusers, including Haleyi, who said Weinstein invited her to his SoHo home after she had worked on one of his television productions.After she arrived, Weinstein backed her into a bedroom, held her down on the bed and forced himself on her orally, yanking out her tampon, Haleyi told jurors.Mann said that soon after meeting Weinstein she entered into an “extremely degrading” relationship with him that never included intercourse until, she alleged, he raped her in 2013.She described Weinstein as a “Jekyll and Hyde” character: He was charming in public but often showed terrifying anger when they were alone, Mann said.Legal experts said three women who testified for the prosecution to recount sexual abuse by Weinstein provided powerful evidence that was difficult for the defense to overcome.Throughout the case, the defense said regret drove the accusers to take consensual incidents and reframe them as crimes.Weinstein’s lawyers zeroed in on friendly messages and ongoing contact between the women and Weinstein.During cross-examination of Haleyi, for example, the defense showed her a message she sent Weinstein signed “lots of love” after her alleged attack.Defense lawyers repeatedly suggested that Mann willingly had sex with Weinstein to advance her career.Weinstein never testified in his defense.Prosecutors pushed back against defense assertions that his accusers were not credible and the notion that they were responsible for the alleged attacks.Topics :
John Paul is a Michigan man. But about a year ago, he almost left the school he loved. The only school he’s ever wanted to be a part of. Paul had been a student at the University of Michigan. He has been involved in its club lacrosse program for 26 years, first as a player, then as an assistant coach and the last 14 years as its head coach. In 2010, he and his wife decided that last season would be his final with Michigan. After accomplishing almost everything he could with the Wolverines club lacrosse team, in his mind it was time to move on. But late last May, Michigan gave him a reason to stick around. On May 25, the Michigan athletic department announced the expansion of its varsity sports, upgrading men’s lacrosse to the varsity level. After more than 70 years stuck in the club status, Michigan is the first power-conference school in 30 years to add lacrosse as an NCAA-level sport. Though the move sent a rippling effect through the lacrosse community, Paul’s primary concern is establishing a winning attitude in the team’s first season, an opportunity he’s grateful to have after coming so close to walking away from Ann Arbor, Mich. ‘It was a bit of a relief,’ Paul said. ‘I’ve been here my whole life. I had gone to school here and worked here, been coaching here. … If nothing was going to happen, then we were going to move on, and this is allowing us to stay, which is the only place we want to be.’AdvertisementThis is placeholder text Though lacrosse is just being added to an athletic department that is composed of 27 varsity teams, Paul said the club team positioned itself to move up to varsity sooner than this year. The Wolverines won three straight national titles at the club level from 2008-10. Equipped with a winning tradition, an organized structure and a donor base that cultivated interest throughout the university, the only component missing was an athletic director willing to take a risk on a sport that’s been slow to grow beyond the Eastern Seaboard. Enter Michigan Athletic Director Dave Brandon. Paul said without Brandon, there’s no way Michigan has an NCAA lacrosse program. ‘We had everything in place to make this a fairly easy decision, but we could have had 99 other athletic directors and it wouldn’t have happened,’ Paul said. ‘We got the right one. ‘He wasn’t just instrumental, it was him. None of this happens if we don’t have an athletic director whose entire vision is about growth.’ But the reason Brandon made the push is because of how lacrosse has continued to grow. In a blog entry Brandon posted the day of the announcement, he pointed to how the sport continues to increase in popularity and participants. In the post, he noted ESPN televised more than 70 games across the networks platform in 2011 alone. He also pointed out that in the state of Michigan over the past 10 years, 130 men’s and women’s high school teams have been added. Even with those reasons listed, there was some risk for Brandon making the big move. Paul admits Brandon is throwing a lot of money at the upstart program. J.D. Johnson, a junior on the squad, said the risk doesn’t involve on-field performance, but putting varsity jackets on a squad of club players and whether they can handle the transition. One player who never thought he’d even have a shot at earning a varsity letter was fifth-year senior Trevor Yealy. Yealy said he heard rumors there was always a shot at varsity lacrosse, but nothing substantial enough to get excited about. Yealy thought by the time it happened, he’d be gone. Wrong. ‘Once we actually started becoming more clear and concrete last year, that’s when we thought this might actually be happening. Here we go,’ Yealy said. And with an opportunity Yealy never saw coming, the attack and the rest of his teammates are in a unique position. The Wolverines go from a club team that dominated opponents to a team that lacks Division-I talent. They go from a club program that has high standards to a team that has to reach new levels. Yealy said he’s aware things might not come easy for the newest team on the block. For the first time in his Michigan career, losing might be the final result. ‘We know it’s going to be difficult,’ Yealy said. ‘We know there’s going to be bumps in the road and there’s going to be close games.’ Paul also has no disillusions of what his team is capable of in its first year. His squad might not win a single game, but the record is irrelevant. This year’s team has a higher calling. If future teams want to have a winning tradition, ‘team one’ — as the Wolverines are known around campus — has to set the tone for that. Paul said the mission for his team is in its control. Developing an elite Division-I culture is the only thing they can dictate. ‘That’s something we can control, and that’s something that can set us up for the future, and that’s something our players are excited about to be honest with you,’ Paul said. ‘This may be their one shot as we recruit. Who knows how long an opportunity each of them will have, but they have yet to leave their mark on team one.’ Paul set the tone early by bringing in former military men to run practice of intense and grueling workouts called ‘Judgment Day.’ Players didn’t need lacrosse equipment. It was replaced with logs and heavy sandbags they had to carry while sprinting. They even carried one another down the field. Every exercise had to be perfect. If a player gave 99 percent, it wasn’t good enough. Johnson said the workout allowed him to demand more out of his teammates. ‘It gave us a little insight in what a Division-I culture looks like,’ Johnson said. ‘Basically, we need to be perfect, and this is the way to do that.’ Zach Elyachar, who played club lacrosse for four years and graduated in 2009, said this team probably won’t reach a final four this year or win even 10 games. But with what Paul has in place, it isn’t crazy to think three or four years down the road Michigan could contend in Division I. ‘I’m glad J.P. was given this opportunity to be the head coach that leads us into our first varsity season, and I hope he’s there for a long time to continue,’ Elyachar said. And so begins the birth of the Michigan varsity lacrosse program. Ironically, it coincides with the birth of Paul’s first child, a baby girl born a few weeks before the season officially got underway. But rather than starting a family away from Michigan, Paul can raise his infant daughter at the only place he knows as home. A place he never wants to even think about leaving. ‘I’d like to retire here,’ Paul said. ‘This is where we made our home, and this is where we want to keep our home.’ [email protected] Comments Published on February 15, 2012 at 12:00 pm Facebook Twitter Google+
By Joseph SapiaMany people think of Monmouth County as Republican. But while many positions of power are held by the GOP, there are more registered Democratic voters in the county than Republicans.If one were to look at the political affiliation of the Monmouth County-wide elective seats – Sheriff, Clerk, Surrogate and Board of Freeholders – all eight seats are held by Republicans.As for the two state legislative districts entirely in the county, the 11th and 13th districts, they break down into two Republican state senators, two Republican Assembly members, and two Democrat Assembly members.That works out to 12 Republicans, two Democrats.Add in the 12th and 30th legislative districts and the 4th and 6th Congressional districts, although they sprawl into other counties, and the breakdown is two Republican state senators, four Republican Assembly members, one Republican member of the U.S. House of Representatives and one Democrat member of the House of Representatives.Hence, the county’s reputation as Republican. So, it may surprise the public that there are 117,789 registered Democrat voters in the county to the Republican’s 114,279.The Special Services Complex, in Freehold Township, is where Monmouth County’s three election offices are based.But, according to political observers, it is those registered voters unaffiliated with a party – 213,345, or about 48 percent of the overall 446,831 registered voters – that make the difference by leaning Republican when they cast their ballot.“It’s obvious who would push them over, the unaffiliated,” said Mary DeSarno, the county superintendent of elections/commissioner of registration.This leads to the old joke: What is an unaffiliated voter in Monmouth County? It is someone who moved to the county and does not want to tell their Democrat family back in Hudson and Essex counties they are now voting Republican.“We get a lot of newcomers who were registered as Democrats and moved to our county and find the Republicans are doing a good job and begin to vote Republican,” said state Sen. Jennifer Beck, a Republican who represents the 11th Legislative District.County Democrat Party Chair Vin Gopal said unaffiliated voters in Monmouth County generally vote Republican and the GOP has a machine in place.“(But) we’ve watched that machine crumble,” said Gopal, pointing to such Democrat victories as those in 2015 of 11th District Assembly members Joann Downey and Eric Houghtaling, the first time since 1991 a Democrat has won that district.Of the county’s 446,831 voters registered for the Tuesday, Nov. 8, General Election, 423 are members of the Libertarian Party, 298 Green Party, 296 Conservative Party, 198 U.S. Constitution Party, 88 Socialist Party, 85 Natural Law Party and 30 Reform Party.Only voters registered by the Oct. 18 deadline can take part in the general election. 17,000 more voters are registered to vote in the Nov. 8 general election than were registered for the June 7 primary elections, an increase of about 4 percent.In a general election, voters do not have to follow their registered party lines, leaving an open ballot.“It’s so hard to predict what’s going to happen in an election,” Houghtaling said. “But I think the independents (unaffiliated) are critical to an election.”Additionally, it is a presidential election year.“I know the presidential (election) is getting people out to vote,” said Lillian G. Burry, a Republican member of the county Board of Freeholders.It is a topsy-turvy presidential election year, with blatant differences between Democrat Hillary Clinton and Republican Donald Trump, along with both passionate voter support and dislike for the two.“I think it’s going to break even,” Gopal said. “Maybe Trump wins Monmouth County, maybe Clinton, but it should be competitive.”Will there be a coattail-effect from the presidential race down the ballot?“I’m not sure what’s happening this election,” Houghtaling said. “A lot of people’s minds aren’t made up or they’re not saying because they dislike both candidates.”Monmouth County voters have a thoughtful, independent streak, Gopal said. “I don’t think there’s going to be coat-tailing. I think Monmouth County voters are smart, they have a history of zigzagging the ballot. I think they’ll do it again.”The results are “very difficult to predict, because Monmouth County has a past history” of an independent streak in its voters, Beck said. In her 11th Legislative District, President Barack Obama, a Democrat, and Gov. Christ Christie, a Republican, both carried the district two times.Beck pointed to her hometown of Red Bank, where Democrats outnumber Republicans about 2 to 1. Yet Republicans win there, Beck said.“Residents have a willingness to vote person over party,” Beck said. “I think that’s a Monmouth County trademark.”On Election Day, the polls are open 6 a.m. to 8 p.m. The county has 458 voting districts, using 916 voting machines.Any voter turned away at a voting machine can vote by provisional, or paper, ballot or take the case to a state Superior Court judge. Judges will be on duty Election Day at the county Special Services Complex, 300 Halls Mill Road, Freehold Township.Early voting is already taking place.
PICK SIX CARRYOVER OF $36,151 INTO FRIDAY, TOTAL PICK SIX POOL SHOULD APPROACH $250,000 ARCADIA, Calif. (May 26, 2016)–Idle since Feb. 25, aptly named Show Stealer overhauled heavily favored Two Taps in deep stretch to take Thursday’s $60,000 allowance feature at Santa Anita by a head under Tyler Baze. Trained by Art Sherman and owned by her breeder, George Krikorian, Show Stealer got a mile and a sixteenth in 1:44.01.Fourth turning for home in a field of five fillies and mares aged three and up, Show Stealer swooped four-wide outside of pacesetter Big Break and Two Taps a furlong out and gradually gained the advantage the final sixteenth of a mile.Off at 5-1, Show Stealer paid $12.80, $3.20 and $2.60. A 4-year-old Kentucky-bred filly by Eskendereya, Show Stealer is out of Krikorian’s Carson City mare, The Green Owl. Headquartered with Sherman at Los Alamitos, she improved her overall record to 17-3-2-2 and with the winner’s share of $36,000, increased her earnings to $155,760.“She’s a cool filly, one of those that tries real hard,” said Sherman. “She gets a check just about every time. There’s a chance we could run her back before the end of the meet (July 10).”An impressive first condition allowance winner at the distance here on March 5, Two Taps was attentive to the pace and appeared to be in a good striking position, third, going into the far turn. She overtook Big Break leaving the furlong pole, but was outrun late, finishing second, 2 ¼ lengths in front of Big Break.Ridden by Mike Smith, Two Taps was off at 3-5 and paid $2.20 and $2.10.Big Break, who was ridden by Edwin Maldonado, set fractions of 23.72, 47.35, 1:11.39 and 1:37.33. Off at 12-1, she paid $3.00 to show.There is a Pick Six carryover of $36,151 into Friday at Santa Anita. The Pick Six will be comprised of races three through eight and it’s expected Friday’s total Pick Six pool should approach $250,000.First post time for an eight-race card on Friday is at 2 p.m. Admission gates open at 11:30 a.m.
A crane toppled onto a one-story commercial building, the site of a parenting class, slightly injuring a woman and her baby, a city fire official said. The accident was reported at 10:33 a.m. at 6095 W. Pico Blvd., near La Jolla Avenue in the Mid City, Los Angeles city fire spokesman Geoff Beckenhauer said. According to KABC-TV (7), the crane was lifting a billboard when it fell onto the building. A parenting class had just started at Cool Baby when the crash occurred. When the crane collapsed, two parents and two children were inside. AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREStriving toward a more perfect me: Doug McIntyre A witness offered to help. “I see around eight kids running with their moms coming outside,” Fabio Malbar told KABC-TV (7). “I bring one kid outside because I know there a lot of kids inside.” An baby boy and his mother suffered minor scrapes and bruises, Beckenhauer said. They were taken to Cedars-Sinai Medical Center. A portion of Pico Boulevard was briefly closed after the accident, Beckenhauer said. The accident’s cause is under investigation. 160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!
PICTURE SPECIAL BY KELLY O’SULLIVAN: In almost perfect conditions (apart from the drizzle) more than 300 people turned out for the annual RNLI New Years Day Swim in Mountcharles.Adding greatly to the event was the presence of Tommy Byrne of the Big Jigs band who had a mini hooley going belting out tunes on his bag pipes and Mark Padley Cross Chanel Swimmer from the UK who was holidaying in the area.The event was organised by Donegal Town RNLI which is one of the most active fundraising RNLI groups in Ireland raising €20,000 for the Lifeboats in 2013. Donegal Town RNLI PRO Paul O Sullivan said ” In spite of recent adverse media coverage for some charities, the RNLI is a “top up” free organisation. We receive no statutory State funding. The 2,000 crew members of our 56 Lifeboats get no wages and nor expenses.Treasurer John McNeil said that ” 2013 was a great year for us, we raised €20,000 and that excludes today’s event” Audrey Irwin, a stalwart of the RNLI said, “one man handed me three €50 notes”, he’s here every year”John Darch, Chairman was equally delighted with the turnout. ” When you’re completely dependent on the weather, it’s great when everything goes well. We would like to thank the local communities for their continued support of the RNLI and wish everyone a Happy New Year”. Jackie Irwin, Secretary paid tribute to the local media who played a huge success in the success of the event. MORE THAN 300 PEOPLE IN RNLI MOUNTCHARLES SWIM! was last modified: January 2nd, 2014 by John2Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:Mountcharles swimRNLI
What’s better than a whole bundle of awesome transition templates that you can use in Premiere Pro? A FREE bundle of awesome transition templates.When you are trying to create a punchy, energetic sequence, fun transitions are the name of the game. When paired with the perfect track, a video that uses creative ways to jump from one clip to another is sure to engage a viewer way more than a boring, traditional cut.Transition packs can usually run you about $20-100 per purchase, and when you want a wide array of them, they can get costly once you add them up. So, we went ahead and rounded up seven of the best free transition packs that the internet has to offer. So check your download speeds, create a new folder, and get ready to download over 100+ transitions!Shutterstock’s Video Editor Toolkit I wanted to start off with this one since it’s such an awesome pack for anyone looking for free assets. Shutterstock’s Video Editor Toolkit comes with over 220 different assets, along with nine free transitions that you can use. So in addition to the transitions, you also get:Animations and Transitions– Icons (46)– Shapes (34)Look-up Tables– .cube LUTs (52)Overlays and Elements– Light Leaks (21)– Dust (2)– Volumetric Light (14)– Sparks (45)The transitions that come along with the pack are Track Matte transitions, which means that you will need to add a Track Matte key to the bottom clip, and then track it to the included transition video file. From there, adjust the composite to Luma Alpha, and the transition will be ready to go!If you need a visual guide on how to use these transitions, follow along with Mike as he guides you through each type of asset included in the pack: 16 Circle TransitionsThese sixteen free circle transitions are some of the more energetic ones out of the bunch. These fun, engaging, and dynamic transitions are the perfect companion when creating a quick social video that cuts from clip to clip quickly. These are also Track Matte transitions, so follow along with the same directions to use them as the Video Editor Toolkit above.Travel Film Transition PackIf there’s one type of video that demands creative transitions, it would be the travel video. There’s hundreds of thousands of different travel vlogs and videos out there, and to stand out, you gotta make yours a little different than the pack. Austin Newman has created a pack of really neat transitions that are fantastic for flipping between shots out of your plane window to the streets of Tokyo. Or, the city that’s like an hour outside of your hometown. No judgement here.These are extremely simple transitions to use. Just download the pack of presets, and import them into Premiere by going to Effects > Presets > Import Preset. From there, it’s just dragging and dropping on top of your clip to get the job done (along with some creative cutting).Handy Seamless TransitionsThese handy seamless transitions from Pixel Samy are simple, fun, and great to use for a quick project. They have a little element of color distortion and ghosting, so it adds even more depth to your transition.These transitions are a little bit more hands-on to get done. It involves about four different layers that you have to duplicate and layer on top of each other (which creates the color distortion). Refer to the short video above to get a read on how to use the transitions most effectively.24 Free Transitions from FILM CRUXFILM CRUX has blessed us with twenty-four fantastic transitions that can be used in just about any situation. This includes zooms, spins, and whip pans, which have become increasingly popular for social video. These transitions are utilized by creating an adjustment layer above the cut point, and then adding the preset to the adjustment layer. Each transition comes with a suggestion for when to start the adjustment layer transition, which takes out the guesswork from trying to match up two videos.Ink Splash TransitionsNow these aren’t what you would call “conventional” transitions, and even the tutorial doesn’t advertise them as transitions. But trust me, these ink splash files are a super creative way to splatter your way through a multitude of clips. Just like most of PremiumBeat’s free assets, these come as .MOV files that are used as Track Matte type transitions, just like the circle transitions mentioned above. You might be able to do some more intensive work in After Effects, but if you are more comfortable with Premiere, they are totally ready to be used as simple transitions.10 Freeze Frame TransitionsI thought it would be a crime to not mention music videos, one of the best use of creative transitions. So, here is one of my favorite free packs from Bryan Delimata that is best suited for that. These are pretty unconventional transitions (which is why I like them) that freeze frames to transition from one scene to another.First, take two clips that you want to transition between. From there, create a frame hold from the end of the 1st clip and duplicate it onto the top video layer. Stretch it out over the 2nd clip.Now, take the Crop effect, drag it onto your freeze frame, and crop out the person in your frame. At first, it will delete them from the frame, but you can reverse it by pressing the “Invert” button in the effects tab. Then, duplicate it again, and add it onto V3.This is where the transition pack comes in. Import the presets from the pack, and start adding effects onto the V2 freeze frame. It will include different types of effects like paint splatters, flames, and other cool visual backgrounds to your freeze frame. Experiment around, play with the opacity settings, and now, you’ve got a killer transition between two sets.Want more on video transitions and other free video elements? Check these out.355 Free Motion Graphics, Sound Effects, Action Elements, and MoreMake Your Cuts Shine with Royalty-Free Transition MusicVideo Tutorial: How to Create a Seamless Foreground TransitionThe Audio Ramp-Up: The Best Transition You Should Be Using3 Visual Effects You Can Create with a Whip Pan Transition