Some Things Are Better in Bulk

first_img 2021-04-07 Christina Hughes Babb in Daily Dose, Featured, Print Features The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago April 7, 2021 861 Views Some Things Are Better in Bulk Tom Huddleston is EVP and Managing Director, Head of Vylla Title Services, for Carrington Mortgage Holdings. With more than 30 years’ experience in the financial services industry, Huddleston brings extensive knowledge of all aspects of the real estate continuum to Carrington Mortgage Holdings including mortgage lending operations, title and settlement management, default asset management, cash management operations, support services, product development, and product management. He can be reached at [email protected] or 412.631.7212. The Best Markets For Residential Property Investors 2 days ago About Author: Tom Huddleston Previous: How Financially Literate Are Today’s Consumers? Next: Homeowners Experience Largest Property Tax Hike in Four Years Editor’s note: This article appears in the April 2021 edition of DS News, available here.  Real estate investors will often buy or sell several properties at once, and whether that transaction is numerous single-family homes or a number of hotel properties, having one company to handle the entirety of the title work can streamline the process for all involved, from real estate agents to mortgage originators. Although many in the real estate industry may think of the work of a title company as focused on a single property at a time, bulk transactions are a niche market that’s important not to overlook. When investors need to move large portfolios of property, a single point of contact and single close can ease the process, particularly if the properties span numerous states. When partnering with title companies, those working with real estate investors should seek out companies experienced with and capable of closing bulk title transactions across the country. What is a Bulk Title Transaction? Simply put, a bulk title transaction is just what it sounds like: the sale or purchase of a number of properties, grouped together into one bulk transaction that delivers title work for each property, regardless of location. These can be found in both commercial and residential properties, and can range from a handful of properties to as many as 500. Often, bulk transactions are across multiple states which, given state law differences, complicates closing, insurance coverage and pricing. The process is further complicated by differences in recording costs and taxes at the city/county level.  By doing the transactions in bulk, investors get several benefits, including having a single point of contact as well as the potential for a single closing. By using one title company, the transaction can be streamlined, saving time and money by consolidating title work by jurisdiction and using a single point of contact to keep communication flowing openly and without the confusion of involving multiple parties.  Often these transactions may involve default situations, not only making quality title research even more critical, but also involving servicers that will benefit from consolidating the transactions into a single closing. Some investors or servicers may even engage a title company to complete title research without a specific transaction in mind to gather pertinent data on a particular portfolio of properties. Partnering With the Right Title Company Choosing a title company to partner with will involve some research for anyone working in the real estate industry. There are many factors to consider to ensure the customer is getting the best fit for their needs. When working with investors who will move several properties at once, it’s important to consider a title company that can handle such transactions and the various factors that will affect the transactions, as well as one that will best ensure customer satisfaction. First, consider whether you’re working with a title agent that can choose the best products from multiple underwriters or from a direct title underwriter that offers just their company’s product. Next, how experienced is the company with bulk transactions? Do they have a dedicated group to focus on the special needs of these assets? Bulk transactions require special skills and knowledge to execute well. Also consider how large the company is: too small and they might not be able to handle the needs of a bulk transaction, but too large a company may get bogged down in bureaucratic hurdles that lengthen the process. Be sure to assess a company’s state coverage capabilities. If they only work in New England, for instance, but a client has properties across the U.S., you’ll need to look elsewhere. The next aspect to consider is a bit trickier to pinpoint, but both research and asking the right questions will help you discover if a certain title company has what you need. Technology gets a lot of attention and has become something of an industry buzzword, but it is particularly important for bulk title transactions. When handling multiple properties with lots of documentation, it’s critical that the title company has the technology in place to not only handle such large quantities of documents, but also to streamline that information into usable data and create consolidated closing statements. Technology that is capable of this kind of streamlining frequently results in lower costs to the client and requires less time to close.  Another aspect to consider in terms of technology is how that tech relates to the customer experience. Can clients access and track their transactions? Do clients receive milestone notifications? How is communication handled? Don’t forget the importance of customer service in any transaction—even large ones such as these.  Having one title company to handle multiple assets can make a significant difference for investors, particularly if the properties span numerous states. Although different jurisdictions mean different rules for each title, companies capable of handling bulk title transactions can make this a smooth process for investors with technology that consolidates closing statements and allows for monitoring of transactions’ progress. With the right title partner, investors can have bulk transactions transferred as quickly and efficiently as possible; these are exceptional transactions and it’s critical to have a partner that treats them as such. By finding the right title company to work with, those in the real estate industry can save time and ensure better communication for their clients.  Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Some Things Are Better in Bulk Servicers Navigate the Post-Pandemic World 2 days ago Subscribe Data Provider Black Knight to Acquire Top of Mind 1 day ago  Print This Post Demand Propels Home Prices Upward 1 day ago The Best Markets For Residential Property Investors 2 days ago Demand Propels Home Prices Upward 1 day ago Share Save Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 1 day agolast_img read more

AquaTrojans Swimmers Win Over Bengals

first_imgSunman-Dearborn Swimming and Diving starts the season off 1-0 with a win over the Greendale Bengals at Lawrenceburg High School on Thursday evening.SDMS girls won 133-35, SDMS boys won 130-39. SDMS won all but 1 event for the evening, including all relays.Individual winners include:  Mackenzie Schantz-200 Free, 100 Butterfly; Nick Weber-200 Free, 50 Backstroke; Jordan Marro-100 Individual Medley, 50 Breaststroke; Jackson Ketcham-100 Individual Medley, 400 Freestyle; Grace Crane-50 Freestyle, 400 Free; Matthew Badinghaus-50 Freestyle, 100 Freestyle; Olivia Karaus-1 meter diving; Ray Krider-100 Butterfly, 50 Breaststroke;and Hannah Weber-100 Freestyle, 50 Backstroke.Our next meet is Thursday September 3 against South Dearborn Middle School. Go AquaTrojans!!!Courtesy of Trojans Coach Brandon Loveless.last_img read more

September proclaimed “United Way Northern BC Month” in Fort St. John

first_imgFORT ST. JOHN, B.C. – Mayor Lori Ackerman and Council declared September as “United Way Northern BC Month” at the City Council meeting on Monday.United Way gave a presentation to City Council about how Fort St. John is struggling to keep up with the demand of clientele they are seeing, from the bad economy as of late.These are the following numbers that show the alarming rate of clientele coming in:Salvation Army (food related only): 1653 FSJ Women’s Resource Society (outreach): 492 FSJ Friendship Society (food bus): 1301- Advertisement -That is 3,446 people in Fort St. John using those resources.United Way has also been raising awareness and education about these issues. They recently held an event in the park to show how many people in one month came to use their services.They also will have the Fire Truck Pull on September 17th where they will be also holding a food drive to get more donations for the centres that truly need them.Advertisementlast_img read more

Donald Miller on Why Building a Storybrand Motivates Buying Decisions – Episode #97

first_imgPodcast: Play in new window | Download (Duration: 34:01 — 27.3MB)Subscribe: Apple Podcasts | Android | Email | Google Podcasts | RSSOne of the most influential books in Anthony’s life in recent years has been Donald Miller’s, “ A Million Miles in a Thousand Years.” Since the publication of that book, Donald has written another, this time oriented toward business. In this conversation, Anthony chats with Donald about his newest book, “Building a Storybrand” in an effort to unpack exactly what it means to be a Storybrand, how it impacts the way a company relates to its prospects and customers, and the way it leads to success like nothing else.Donald Miller on How Building a Storybrand Motivates Buying Decisions – on this episode Click To TweetBuilding a Storybrand requires that you focus on your customer’s story, not yoursMany companies position their marketing around the benefits and features of their product or service. But companies that understand what it means to be a Storybrand take another approach. They focus on their customer’s journey, the story that is happening in the lives of those they serve. They do so in an effort to not only connect with their customers on a personal level but also to express that they understand them and care about the challenges they face in life. It’s at that point that they have become empathetic in their customer’s eyes, and as a result become a brand the customer is eager to follow. Find out more about how you can position your company and your sales endeavors around this concept of being a Storybrand.The customer is the hero of the story. Your brand isn’t. Companies that get that and communicate it effectively are poised for successIn this conversation, Anthony and his guests, Donald Miller highlight a number of examples of companies that have effectively made their customer the hero of the story. It may sound like an odd approach but it has resulted in amazing brand loyalty and sales for the companies that get it right. Donald Miller explains what it means to be a Storybrand, how companies can move in that direction, and why communicating in a way that demonstrates empathy for the customer is powerful over the long haul. Don’t miss this episode.The customer is the hero of the story. Your brand isn’t. Companies that get that and communicate it effectively are poised for success – Donald MillerClick To TweetPeople don’t buy the best products and services, they buy the ones they can understand the fastestOne of the most important aspects of marketing that applies to business, politics, or any endeavor that is trying to affect popular opinion, is that in order for a message to be communicated effectively it has to be communicated in a way that enables the listener to understand it with the least amount of effort. In this conersation, Donald Miller points out how President Donald Trump did that effectively in his election campaign and how many brands are doing the same thing to great success. It’s an art form as much as it is a tactic and on this episode of In The Arena, Donald explains how to do it.Brands that participate in their customer’s transformation achieve enormous success in the marketplaceEvery sales professional desires to be part of a company that achieves enormous success in their Marketplace. It’s one of the signs of personal achievement that we all strive for. The brands that accomplish that to the greatest degree are the ones that participate in the transformation their customers experience that comes from using their products or services. What does it mean to actually participate in that transformation? On this episode, Donald Miller highlights the difference between participation and observation, and gives some practical tips about how to become a Storybrand, a company that focuses on the customer’s story to build brand loyalty.Brands that participate in their customer’s transformation achieve enormous success in the marketplace – Donald MillerClick To TweetOutline of this great episode The impact Donald’s book “A Million Miles in a Thousand Years” has had on Anthony and why it’s so powerful Why Donald chose to write a business book and how he came to do it The premise that the customer is the hero, not your brand – why it matters What are we trying to do by branding with stories in the first place What is an aspirational identity and why is it important? Why the U.S. is the place with a greater focus on personal improvement How you can get Donald’s free bonus after purchasing the bookResources & Links mentioned in this – Donald’s website and online toolsMaslow’s hierarchy of needsElon MuskBOOK: A Million Miles in a Thousand YearsBOOK: Building a StorybrandBOOK: Immigration Wars by Jeb BushiPad add featuring a clip of Robin Williams’ voice from “Dead Poet’s Society”The theme song “Into the Arena” is written and produced by Chris Sernel. You can find it on SoundcloudConnect with AnthonyWebsite: www.TheSalesBlog.comYoutube: Plus: Essential Reading! Get my first book: The Only Sale Guide You’ll Ever Need “The USA Today bestseller by the star sales speaker and author of The Sales Blog that reveals how all salespeople can attain huge sales success through strategies backed by extensive research and experience.” Buy Now Tweets you can use to share this episodeBuilding a #Storybrand requires that you focus on your #customer’s story, not yours @DonaldMiller – on this episode #sales #marketingClick To TweetPeople don’t buy the best products and services, they buy the ones they can understand the fastest – Donald MillerClick To TweetSubscribe toIn the ArenaApple PodcastsGoogle PodcastsAndroidby EmailRSSOr subscribe with your favorite app by using the address belowlast_img read more

a month agoLindelof: I’m a better person for Man Utd move

first_imgAbout the authorPaul VegasShare the loveHave your say Lindelof: I’m a better person for Man Utd moveby Paul Vegasa month agoSend to a friendShare the loveManchester United defender Victor Lindelof is happy to put down roots.The Swede penned a new deal this week.He told the club’s website: ““I think I’ve matured a bit more in my way of playing and upped my game a little bit more. Also, the things that I’m good at I’m even better now than I was before. Then, as a person, the club have helped me a lot, as have the players, and I think I’m a better person now.“I hope [I can develop] a lot, I want to be even better and I want to help the team win trophies and games. I want to improve and be even better than I am today, that’s my main goal, and I know I have to work very hard to achieve that. I think I’m at the right club to do that.” last_img read more

2 days agoJuventus chief Paratici confirms Mandzukic exit plans

first_imgTagsTransfersAbout the authorPaul VegasShare the loveHave your say Juventus chief Paratici confirms Mandzukic exit plansby Paul Vegas2 days agoSend to a friendShare the loveJuventus sporting director Fabio Paratici admits they’re ready to sell Mario Mandzukic.Paratici has opened the door for Mario Mandzukic to start training with another side ahead of a January transfer move.The striker is still being linked with Manchester United.”We are talking to Mandzukic to find the best possible solution,” Paratici told Sky Italia.”We remain open to any scenario, so staying here or going elsewhere. We are discussing it to find the best solution for both parties.”Mandzukic is not training with us, in agreement with the club. If the agreement changes, I am open to everything.” last_img read more

John Cena And WWE Get In The Ring Against Breast Cancer

first_imgWWE has announced a partnership with Susan G. Komen for the Cure featuring WWE Superstar John Cena co-branded, pink and black ring gear, which will be debuted at this week’s Night of Champions pay-per-view event in Boston.WWE Superstar John Cena Supports Susan G. Komen for the CureCredit/Copyright: Business WireCena will wear the Special Edition gear through October in honor of breast cancer awareness month. Fans can purchase the merchandise, including co-branded hats, t-shirts, headbands and wristbands, at live events and online at, and WWE will donate 100 percent of its profits (at least 30 percent of the retail purchase price) to Susan G. Komen for the Cure.Susan G. Komen for the Cure is the world’s largest nonprofit funder of breast cancer research and community outreach programs. To support Susan G. Komen’s mission, WWE will utilize all its assets, including TV broadcasts, live events, digital and social media to generate awareness and encourage fans to get involved by signing up for “Race for the Cure” events in their local communities.Approximately five million women — more female viewers than the top rated shows on women’s networks – watch WWE’s weekly programming.“This partnership will reach millions of women and families with breast cancer education and awareness messages, while raising funds for Komen research and health outreach programs in the communities we serve,” said Dorothy Jones, Vice President of Marketing for Susan G. Komen. “We’re ready to cheer on John Cena and the WWE Superstars and thank them for helping Komen fulfill our promise to end breast cancer.”“Breast cancer is a devastating disease, and we’re committed to using WWE’s global resources to support Komen’s fight to end breast cancer forever,” said WWE Superstar John Cena. “I’ll be proud to wear pink in the ring to support this great cause.”Breast cancer is the most commonly diagnosed cancer and the second leading cause of cancer-related death among women in the United States. There are 2.9 million breast cancer survivors in the United States today. For more information about Susan G. Komen for the Cure, breast health or breast cancer, visit or call 1-877 GO KOMEN.Source:Komen.orglast_img read more

The Rockets Love Launching 3s From Way Past The Line

Source: ESPN Stats & Information Group The Rockets shoot from (way, way) downtownNBA teams with the most 3-point attempts from 28-35 feet, 2017-18 Miami Heat70– Houston Rockets178– Portland Trail Blazers108– Cleveland Cavaliers93– DALLAS — The Houston Rockets, who at the moment seem to be the only team worthy of challenging the defending champion Warriors, just might be the NBA’s most unapologetic club.The team set fire to the record books last season by launching more than 40 3-point attempts per night, which shattered their own record from 2014-15 and was over six 3s a night more than the team with the second-most attempts. Yet entering this campaign, reigning Coach of the Year Mike D’Antoni still wanted more, saying that Houston could realistically take 50 per game. Houston may not be quite that extreme so far, but they are on pace to become the first team in history to shoot more 3s than 2s — which is mind-boggling in its own right.Yet for all the attention paid to how many 3s the Rockets are taking, there’s been less attention paid to where, exactly, the club is hoisting them from, and the positive difference it’s making for their offense even if the shots don’t all go in.Video Player Up/Down Arrow keys to increase or decrease volume.Video Player Up/Down Arrow keys to increase or decrease volume.Going into their nationally televised matchup Friday night with the Pelicans, the Rockets were spotting up from a different zip code far more than any other team. Houston’s taken a whopping 178 three-point attempts from the 28-to-35 foot range, according to data from James Jackson of ESPN Stats & Information Group. For context, the teams right behind Houston on this list, Portland and Indiana, have taken just 108 and 107 attempts from this distance which is at least 4 feet behind the line. But after those three teams, no one else has even managed to crack 100 so far. This number is unusually high for the 3-point-obsessed Rockets, too: They’ve already taken more 3s from that range in 46 games this season than they took during last year’s entire 82-game slate. Boston Celtics93– Golden State Warriors84– Charlotte Hornets78– Indiana Pacers107– Team3-point Attempts Of course, it’s not like Houston — which entered Friday as the No. 2 seed, at 34-12 — is regularly canning these looks. The Rockets are connecting on just under 30 percent of their shots from that deep,1When the Rockets take 3s from above the break, their average shot distance is 25.8 feet from the basket, the second-farthest in the NBA. a far cry from the 36 percent league-average mark from 3-point range in general.Still, there are several reasons that those shots help the team even if they don’t go in, and just about all of those reasons stem from the spacing these long shots create. Chris Paul and James Harden certainly benefit from the extra room, and they already rank among the NBA’s best playmakers, even without the help.Watch this pick-and-roll play against Utah, where Paul comes down and finds big man Clint Capela for a dunk. Jazz swingman Joe Johnson was prepared to help at the rim, but began scrambling back toward sharpshooter Ryan Anderson, even though he was standing nearly 30 feet from the basket. Johnson’s recognition that Anderson can make shots from that distance was enough to send him rushing away from Capela.Video Player Up/Down Arrow keys to increase or decrease volume.Capela, who’s in the middle of his best season and is currently leading the NBA in field-goal percentage, has been perhaps the biggest beneficiary of the additional spacing. Harden and Paul, two of the best no-look passers, have had a field day throwing him lobs (He’s second in the league in dunks). His average shot attempt this season is coming fewer than 2 feet from the basket.“Having all that extra space definitely enhances Clint’s game,” said D’Antoni, who told me he gave a handful of players (namely Anderson, Harden and Eric Gordon) the green light last season to experiment with the longer 3-point tries.The importance of Capela’s vertical floor-spacing role within the offense can’t be overstated. For starters, the Rockets run an NBA-high 62 direct2Meaning an action that led directly to a shot, foul or change of possession. pick-and-rolls per 100 possessions, according to Second Spectrum and NBA Advanced Stats, meaning he’s involved in dozens of scoring opportunities each game, with both Paul and Harden. One thing worth noting about this trio: Paul, Harden and Capela have led the Rockets to a 19-0 mark this season when all three suit up and play. The team is just 15-12 when one or more of them doesn’t play.When I asked Paul what it’s like playing in an offense with so much space, he explained that he’s still learning to adjust to how open some of his teammates are. “My friends joke with me and tell me I’m a new player now, but it’s a cool way to play,” he told me. “Nobody argues about shots or anything. When you see us get frustrated, a lot of the time it’s because we’re not defending. The offense is free-flowing, and guys just let (long shots) go.”Giving players like Paul and Harden more space to work with is almost cruel. A weak-side defender’s inability to help leaves primary stoppers on an island, and the star point guards are happy to take their chances with those matchups. The result so far: The Rockets go 1-on-1 more than any other NBA team and are the league’s most efficient isolation team by a wide margin.3Their current scoring rate is the highest on record in the Synergy Sports database, which goes back 14 years. Similarly, Harden and Paul rank No. 1 and No. 2 in isolation efficiency among those who go 1-on-1 at least three times per contest. (Harden is somehow scoring nearly 53 percent of the time in iso scenarios to this point.)But the isolation plays are just one way the extra spacing has helped Harden this year, after he showed himself to be perhaps the NBA’s best passer last season. The extra room has also enabled him to toy with defenses at times. In this first video of the Rockets playing against Sacramento, Harden draws three defenders at once — two of whom run into each other — and feeds the ball to Capela after the Kings fail to account for him in the paint. Less than two minutes later, knowing that the defense won’t make the same mistake and leave Capela open again, Harden makes it look as if he’s going to throw the ball back to his center but instead swings the ball to a wide-open Anderson, who’s waiting 5 feet above the top of the key.Video Player Up/Down Arrow keys to increase or decrease volume.Video Player Up/Down Arrow keys to increase or decrease volume.In just those two plays, the Rockets illustrate how easily they can break a defense. If you pay too much attention to Harden or Paul, they’ll simply go over the top to Capela. Pay too much attention to someone cutting through the paint? There’s a good chance it’s going to cost you 3 points, given the caliber of shooters they have lining the perimeter. And it goes without saying that if you neglect Harden or Paul driving into the paint, Houston will either score or draw a shooting foul, which the Rockets do better than anyone.All of this explains why Anderson likes to stand so far off the line: It forces the defender to make a choice: Am I going to come out and guard him up to 30 feet from the basket and be too far away to provide help on James or Paul, or do I want to be in position to guard against the drive and risk letting Anderson or Gordon get an open 3 from basically another county?“I kind of like shooting it from that deep. Most times, no one wants to come out that far, so it feels kind of like a free throw, where there’s no pressure,” said Anderson, who was prodded by D’Antoni to start taking that shot based on what his coach had seen in shootarounds and practices. “And if they do hug up on me, like Harrison Barnes was doing tonight, all it does is leave room for James and Chris.” (Harden finished Wednesday’s game with 25 points, 13 assists and one turnover.)You might think this sort of dilemma might send a defense scrambling, but opposing teams sometimes treat the court like a minefield: Often they’re a bit too confused about who they should shade toward and wind up unwilling to make a definitive step in any direction. Houston’s opponents move at the league’s seventh-slowest rate on defense, according to Second Spectrum. On the flip side, the Rockets know exactly what they want to do when they have an open look, regardless of how far away they may be from the basket.“They’re really comfortable out there,” D’Antoni said of his players, who get more wide-open 3s per game than any other team. “If it’s just as comfortable [as a shorter 3], why not shoot it? I’m willing to live with that.” Brooklyn Nets70– Detroit Pistons77– read more

Tuesday Take Ohio State mens basketball reaches lowest point

Ohio State junior forward Jae’Sean Tate loses the ball heading toward the rim against Nebraska on Feb. 18 at the Schottenstein Center. Credit: Alexa Mavrogianis | Photo EditorIt had been trending in this direction for a while, but now it seems the Ohio State men’s basketball team has truly hit rock bottom.Since the conclusion of the 2013-14 season, the Buckeyes had been in a downward spiral toward the bottom of the Big Ten Conference. With Saturday’s 58-57 home loss to Nebraska, dropping OSU to 15-13, 5-10 in the Big Ten, the Scarlet and Gray have reached their lowest point in the 13 years coach Thad Matta has been in charge of the program.“I’m like you — dumbfounded,” Matta said.OSU led by seven at the final media timeout with 2:52 remaining on the clock. Over that stretch, Nebraska outscored the Buckeyes 11-3 and forced four OSU turnovers. OSU led by five with 32 seconds left. But a turnover off a jump ball and a 3-point play conversion by Nebraska sophomore guard Glynn Watson Jr. quickly turned the tide against the Buckeyes.The final punch was when senior guard Tai Webster blew up junior forward Jae’Sean Tate’s attempted handoff to senior forward Marc Loving, and Tate threw up a wild shot that missed.With that loss, the 2016-17 season effectively became the first time under Matta that the Buckeyes will finish below .500 in the Big Ten, and the first time OSU will miss the NCAA Tournament in consecutive years — barring a miraculous run to a Big Ten tournament championship.When told in the press conference that OSU would finish below .500 in conference, redshirt junior center Trevor Thompson let out a deep sigh, his anguish showing through. So, what was the mood like in the locker room following the loss?“I don’t know,” Thompson said.Understanding the nature of the descent of the basketball program for fans is puzzling, and definitely is also the case for Thompson. Nebraska was just a sliver of the decline, and was all the more perplexing.“That little stretch right there, it wasn’t just the shot — that last war, you know,” Tate said. “Sending him to the line, getting the jump ball, turning it over, not communicating. When you do things like that back-to-back-to-back-to-back-to-back, the outcome is going to be difficult to swallow.”Since the 2013-14 season, OSU has won just one NCAA Tournament game and has finished as high as fifth in the conference over that span. Gone are the times OSU competed for a conference titles and were consistent participants in NCAA regionals. Now records are scarred by home losses to Northwestern and Nebraska — not to mention nonconference home losses to Texas Arlington, Louisiana Tech and Florida Atlantic the past two years. Northwestern’s win in Columbus was the team’s first since 1977, and Saturday was Nebraska’s first-ever win in Columbus.OSU currently sits in 13th place of 14 teams in the Big Ten.Matta couldn’t answer why OSU struggled against the zone on Saturday, when tearing it apart the first time around against Nebraska. Tate attributed it to a lack of thinking and not being on the same page — something that has become commonplace for a program rich in history.“We got to be smarter,” Tate said. “We beat ourselves (Saturday). And we deserve it.” read more