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Is the State of Housing Strong?

first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Related Articles On Tuesday evening, President Trump delivered his State of the Union address before the Congress. The White House released excerpts from the speech before it began, highlighting a focus on immigration reform, infrastructure, national security, and the economic impacts of the tax reform bill. The President began his address by recognizing the heroes and victims of the natural disasters that struck the country in 2017. “We are with you, we love you, and we will always pull through together,” President Trump said, addressing the hurricane victims in Puerto Rico, Florida, and Texas and the wildfires of California.According to data released by The Federal Emergency Management Agency (FEMA) more than 4,000 households ravaged by the wildfires in Sonoma county, California, in October 2017 were eligible for government-provided temporary public housing. Of these, only 184 are currently living in a direct housing option such as manufacturing housing units, recreational vehicles, or in directly leased units.Touching upon the economic growth of the country, President Trump said that the massive tax cuts from the Tax Reforms and Jobs Bill introduced earlier this year has provided tremendous relief for the middle class and small businesses. “Roughly 3 million workers have already gotten tax-cut bonuses,” he said, adding that the economy created 2.4 million jobs, including 200,000 new jobs in manufacturing alone.“The President’s tax reform plan is energizing the economy giving HUD-assisted households increased opportunity to graduate from government assistance and achieve self-sufficiency,” said Secretary Ben Carson at Housing and Urban Development Agency (HUD).While it’s still too early to know how the tax reform bill will impact the economy in the long run, there have been some near-term results ascribed to the tax cuts. Last week, JPMorgan announced it was raising hourly wages, hiring thousands of new employees, and opening new branches around the country. On the other hand, critics point to data such as a recently released Urban Institute report that predicts the tax bill and the administration’s proposed budget could hinder access to housing assistance, which is a safety net for low-income households.  For the housing industry, this has meant a continued phase of robust growth. The S&P CoreLogic Case-Shiller Indices showed year-over-year increases of 5 percent or more for 16 straight months. This trend was also reflected on many other indices, including the First American Real House Price Index analyzing the November 2017 data, which showed that homes were 5 percent more expensive compared to the same period a year before.Existing home sales increased 1.1 percent to 5.51 million sales, surpassing the 5.45 million recorded in 2016. This marked the highest existing home sales since 2006, according to a report published by the National Association of Realtors (NAR).But perhaps the most important statement that the President made reflecting a possible scope of reforms in housing on the cards was on the elimination of regulations during his first year in office. “We eliminated more regulations in our first year than any administration in the history of the country,” he said during his address.Despite regulation expanding with the new HDMA guidelines that took effect in January 2018, the trend seems to be veering away from “regulation through enforcement,” making lenders more hopeful of a positive dialogue with CFPB, according to a report by analytics firm STRATMOR. The industry is closely following the latest changes in leadership at the CFPB and the nominations for the Federal Housing Administration (FHA) to gauge the administration’s stance on easing regulations.Meanwhile, the GSEs have shown growth, with first-time homebuyer share of GSE purchase loans recording the highest level in recent history at 48.1 percent in April and 46.4 percent in October 2017, according to a report by the Urban Institute. The FHA has continued its focus on first-time homebuyers, with its first-time homebuyer share at 81.9 percent in October 2017.“The President deserves a great deal of credit for commendable appointments to positions in his administration that affect housing,” said Five Star Institute President & CEO Ed Delgado. “The mortgage industry and the officials that regulate it are in need of a renewed focus on creating sustainable solutions that foster growth in homeownership and create new opportunities for responsible access to credit. We look forward to continuing to partner with all stakeholders in finding common ground in the furtherance of these goals.” About Author: David Wharton The Best Markets For Residential Property Investors 2 days ago Share Save Data Provider Black Knight to Acquire Top of Mind 2 days ago in Daily Dose, Featured, Government, Headlines, News Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Tagged with: Home Prices HOUSING Natural Disasters State of the Union State of the Union Address Tax Reform Wages Is the State of Housing Strong? Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home Prices HOUSING Natural Disasters State of the Union State of the Union Address Tax Reform Wages 2018-01-30 David Wharton The Week Ahead: Nearing the Forbearance Exit 2 days ago Sign up for DS News Daily January 30, 2018 1,524 Views Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / Is the State of Housing Strong? Previous: Massachusetts Supreme Court Ruling Clarifies Foreclosure Rights Next: CFPB Ruled Constitutional—What Now? Subscribelast_img read more


Fifty years ago, Brazil taught the world to play, in colour

first_imgItalian defender Tarcisio Burgnich found out in the final that Pele was not like everyone elseParis, France | AFP |  Fifty years ago this month, modern football was born at the World Cup in Mexico, kicking and yelling, and live in vibrant colour for a global audience.This weekend marks the anniversary of the quarter-finals of that tournament as a star-studded cast played a thrilling series of knock-out games which built to a dazzling final, when the first World Cup broadcast in colour ended with an unparalleled display by a technicolour team.Mexico in 1970 was not the first World Cup broadcast live. Four years earlier 400 million watched England beat West Germany in the final. But that tournament was shown in black and white. Battered Brazil, the reigning champions, limped out playing, as far as viewers could tell, in two shades of grey.In Mexico, their yellow and green glowed in the sunshine.Most viewers still watched in black and white. But the games were shot in colour and when the many iconic moments are replayed, that is how they are seen. And that is how the competition is remembered, even by its greatest star.“I watch it because there are a lot of videos available and TV programmes,” Pele told FIFA’s website. “If I’m not careful, I always start crying.”The tournament gave Pele his third winner’s medal but the images also cemented his reputation as the world’s greatest player, partly because of three spectacular near misses: a shot from his own half against Czechoslovakia, a header saved by England’s Gordon Banks and the dummy that almost turned a Tostao pass into a goal against Uruguay.“I was at my peak,” Pele said. “We had a fantastic side and everyone expected us to win, which gave me the shakes.”The quarter-finals all kicked off at noon on June 14.Gigi Riva scored twice and Gianni Rivera once as Italy beat hosts Mexico 4-1.Rivellino, Tostao and Jairzinho, but not Pele, scored as Brazil beat Peru 4-2.Reigning champions England, with many of the stars of 1966 but not an ailing Banks and not, by the end, Bobby Charlton, substituted with his team two goals up to protect him from the heat, lost 3-2 in extra time to West Germany. Franz Beckenbauer and Gerd Mueller were among the German scorers.In the semi-finals, in Guadalajara, Brazil gave Uruguay a one-goal start but won 3-1. Again Pele didn’t score, but Clodoaldo, Jairzinho and Rivellino did.In Mexico City, the other semi-final was heading for a 1-0 Italian win until Karl-Heinz Schnellinger scored a 90th-minute equaliser for West Germany.Extra time was 30 minutes of mayhem.Mueller gave West Germany the lead. Tarcisio Burgnich levelled and Riva put Italy ahead. Mueller replied, but a minute later Rivera gave Italy victory.The abiding image is of Beckenbauer playing much of the game extravagantly strapped after dislocating a shoulder when West Germany had already used both substitutes. Share on: WhatsApp – ‘Everybody is still talking about it’ –The best was yet to come.Italy were a good team, with the extravagantly gifted Sandro Mazzola. The defence was built on the great Inter Milan side, pioneers of ‘catenaccio’, with Giacinto Facchetti at its heart. Brazil tore them apart.At an altitude of 2,200 metres (7,200 feet) in dazzling sunshine in the Azteca, Brazil produced a display of attacking football that touched Olympian heights.Mario Zagallo, Brazil’s coach, later said he thought the 1-0 victory over England “was the best game of the tournament…a high-class game of chess.”Yet Brazil’s attacking display in the first colour World Cup final set a benchmark against which every one of the tens of thousands of matches broadcast since is measured.Pele gave Brazil the lead with his fourth goal of the competition.“I told myself before the game, he’s made of skin and bones just like everyone else —- but I was wrong,” Burgnich said later.Roberto Boninsegna levelled, but in the second half Gerson and Jairzinho put the match beyond reach.It was as if Brazil were inventing football. They finished with a flourish, scoring one of the great team goals with four minutes left as full-back Carlos Alberto finished a mesmerising eight-man move by lashing home Pele’s deft pass.“I realise how beautiful and how important that goal was, because everybody is still talking about it,” Carlos Alberto told the BBC years later.“Nobody talks about Pele’s goal, the first goal, the second goal. It is always about the fourth goal. I think it was the best goal ever scored in a World Cup.”It was a fitting exclamation mark at the end of what might have been the best World Cup.last_img read more


FAA Alert Indicates President Trump May Spend Thanksgiving in Town

first_imgThe Federal Aviation Administration (FAA) has issued a temporary flight restriction alert for the Thanksgiving holiday, as it appears that President Trump will spend the holiday in town.Flight restrictions will be imposed from Tuesday, November 26, through Sunday, December 1.The White House has not confirmed whether the president will indeed spend Thanksgiving at Mar-a-Lago again this year, although he is scheduled to host a political rally in Broward County next week.Last Sunday, the Team Trump-Pence campaign issued a press release promoting a “homecoming” rally on November 26 at the BB&T Center in Sunrise. The event is scheduled to begin at 7 p.m., with doors opening at 3 p.m.Trump filed last month to become a Florida resident, and is now also registered to vote here. He has spent each Thanksgiving as president in Palm Beach County.The President is also scheduled to be in Florida on December 7. During that visit, he will be the keynote speaker at a summit for the Israeli-American Council.That event, which will be held at the Diplomat Resort & Hotel in Hollywood, is expected to attract, “nearly 4,000 attendees from around the world,” according to a statement from the IAC.Trump is also expected to speak at the Florida Republican Party’s Statesmen’s Dinner in Miami the same day.The President last visited Mar-a-Lago during the Easter weekend in April.last_img read more


Employee fired for writing ‘Pig’ on officer’s drink says she was a scapegoat

first_imgA Starbuck employee is claiming that she was wrongly fired after another employee wrote the word ‘pig’ on an officer’s drink.Lola Price, who was a manager at a Starbucks near Tulsa, was fired from the establishment Thursday after the story went viral.Price claims she that had nothing to do with the incident and was actually used as a scapegoat for the company who was just trying to save face:“I was terminated from my position because, Starbucks was looking for someone to take the blame for this and to save some face from their company,” Price told KTUL said.Price says she went back to the establishment but they will not answer her questions and she is now forced to find another job with a ruined reputation.Other news outlets including KTUL have reached out to Starbucks regarding the incident but Starbucks has yet to respond.Company did, however, release a statement Friday saying:“The Starbucks partner who wrote this offensive word on a cup used poor judgement and is no longer a partner after this violation of company policy.”last_img read more


FEMA Considers Changing Local Flood Maps and Risk Zones

first_imgIf you do not currently have flood insurance, you may soon be required to purchase it.The Federal Emergency Management Agency (FEMA) has announced that is changing its flood maps and risk zones throughout South Florida.The current maps, which determine whether flood insurance is optional or mandatory, were adopted three years ago.“We see remapping typically every three years,” says Fielding Mcelory with Bullen Insurance Group.A preliminary FEMA report indicates that thousands of Palm Beach County homeowners may soon go from “low risk” to “high risk,” which would make it mandatory for them to get coverage.“People, if they have a flood policy today, we can grandfather their older BFE, base flood elevation,” explains Patricia Latshaw, Senior Vice President of Compliance at Wright Flood. “So if they’ve had continuous coverage through the NFIP (National Flood Insurance Program), or they built in compliance, we want to give them that better rate because they did what they were supposed to when they initially built the building. So they shouldn’t be penalized for that.”FEMA plans to hold open house meetings on February 4 and 5 at the Mary V. McDonald-Wilson Center off Australian Avenue in West Palm Beach.Homeowners who do not have a mortgage are not required to get flood insurance.“If they do have a flood, their homeowner’s policy is not going to cover flood or storm surge,” Mcelory adds.There will be a 90-day appeal period after next week’s public meetings. FEMA will then make final decisions, although experts say the new guidelines could take up to a year to be put into effect.last_img read more


PBC Coronavirus Testing Sites Closed Friday, Saturday Due to Weather

first_imgLooking to get tested for coronavirus? You will have to wait until Monday.The Healthcare District in Palm Beach County has announced that all six COVID-19 testing sites will be closed Friday and Saturday.The closure is being attributed to the potential for bad weather.In addition, the hotline to schedule appointments will be closed through 8 a.m. Monday.People who had appointments scheduled for Friday or Saturday will be given priority appointments for next week.According to the Department of Health, there were 43,210 total cases of coronavirus in Florida as of Thursday.At least 1,875 Florida residents have died from COVID-19.Palm Beach County: 4,278 cases-263 deaths-Men: 2,148, Women: 2,044-752 hospitalizationslast_img read more



first_imgDeputy Pearse Doherty has slammed the Government over the exceptionally high volume of Donegal farmers who have so far not received their Single-Farm or Disadvantaged Area payments due to inconclusive and unsuccessful satellite inspections having been carried out on their lands.Deputy Pearse DohertyThe Sinn Féin TD revealed that of the 484 individual cases which had been selected for satellite inspection in the county, some 274 have still yet to be processed by the Department of Agriculture.The disclosure comes following a parliamentary question put down by Deputy Doherty. “In order for Farm payments to be processed, it’s a requirement that a minimum number of eligibility checks are carried out by the Department to ensure that the area claimed on the farm application corresponds with the actual land being farmed; in order to do this, the Department carry out Ground and Remote Sensing Inspections each year.”“In general, Remote Sensing inspections are often the chosen method of inspecting farm land as it doesn’t require a farm visit by inspectors and it reduces the burden on farmers who would otherwise be inconvenienced by Ground Inspections,” he said.But because of an exceptionally high number of unsuccessful and inaccurate satellite inspections having been conducted by the Department of Agriculture as part of assessing farmers’ applications, less than have of the total number of cases chosen for inspection have been received and processed so far.Deputy Doherty added that this failure has resulted in the majority of farmers from across the county who have been placed under inspection not receiving their farm payments – this is both disgraceful and unfair.” “What this has resulted in is a situation where by an unacceptably high number of farmers, through absolutely no fault of their own, are now being forced to endure great hardship.“Farmers here are facing financial uncertainty as they struggle to run their businesses in the absence of these much needed payments – this is the last thing this hard working community need, particularly now in the run up to Christmas.”“I am now calling on Simon Coveney to act quickly and resolve this mess and for his Department to fast track the processing of these payments before the farming community here needlessly suffer any further.” GOVERNMENT DELAY IN PROCESSING FARM PAYMENTS IS DISGRACEFUL – DOHERTY was last modified: December 11th, 2014 by StephenShare 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:Deputy Pearse Dohertydonegalfarm paymentslast_img read more


Anthony Joshua set for heavyweight clash with WBO king Joseph Parker

first_imgWBA and IBF heavyweight boxing champion Anthony Joshua. File photo.BOXING–British heavyweight Anthony Joshua’s unification fight against Joseph Parker could be confirmed this week.New Zealander Parker’s promoter David Higgins is due in London on Monday, when he will finalise the deal with the 28-year-old’s promoter Eddie Hearn.The signing of contracts is understood to be imminent and Parker, 25, could then travel to the UK later this week.Reports suggest the contest will take place on 31 March, with Cardiff’s Principality Stadium the likely venue.The camps reached a proceeds deal for the fight in December last year.Joshua is seeking to add Parker’s WBO crown to his WBA and IBF titles before a possible meeting with American WBC champion Deontay Wilder.Negotiations for the showdown have been drawn out but are extremely close to a conclusion, with WBO champion Parker understood to have settled for around 33 per cent of the fight purse.Joshua, the IBF and WBA title holder, stands to make in the region of £15m for his first fight of 2018, with up to two more bouts lined up for this year.The Principality Stadium in Cardiff is expected to be confirmed as the venue for the fight, seeing a return to Wales for Joshua after he stopped Carlos Takam under the roof in Wales in October, maintaining his 20-fight unbeaten record.WBO champion Joseph Parker. File photo.Parker will be a significant challenge, even if Joshua will be a strong favourite.The New Zealander has won all 24 of his fights, 18 by knockout. But he looked desperately underwhelming in beating Hughie Fury by majority decision in Manchester last year.No boxer has held all four heavyweight belts simultaneously.Commentslast_img read more


“Synthetic Evolution” – Is it Really Intelligent Design?

first_imgSome Cambridge scientists engineered a four-character genetic code and made some proteins with it.  They guided the process at every step, but claim that they “evolved” this code.  Is that a fair use of language?  This strange admixture of concepts is found in today’s issue of Nature.1  The confusion began right in the title: “Encoding multiple unnatural amino acids via evolution of a quadruplet-decoding ribosome.”…orthogonal pairs have been evolved to incorporate a range of unnatural amino acids…Here we synthetically evolve an orthogonal ribosome (ribo-Q1) that efficiently decodes a series of quadruplet codons….Because the synthetase�tRNA pairs used have been evolved to incorporate numerous unnatural amino acids it will be possible to encode more than 200 unnatural amino acid combinations using this approach.….this work provides foundational technologies for the encoded synthesis and synthetic evolution of unnatural polymers in cells.Natural ribosomes are very inefficient at, and unevolvable for quadruplet decoding, which would enhance misreading of the proteome.…orthogonal ribosomes … may, in principle, be evolved to efficiently decode quadruplet codons on the orthogonal message….To discover evolved orthogonal ribosomes that enhance quadruplet decoding we first created 11 saturation mutagenesis libraries in the 16S ribosomal RNA of ribo-X (an orthogonal ribosome previously evolved for efficient amber codon decoding on an orthogonal message)….We used ribo-X as a starting point for library generation because we hoped to discover evolved orthogonal ribosomes that gain the ability to efficiently decode quadruplet codons while maintaining the ability to efficiently decode amber codons on the orthogonal mRNA….To explicitly compare the fidelity of triplet decoding and quadruplet decoding for the evolved orthogonal ribosomes and the progenitor ribosome we used two independent methods….….which is derived from the … pair, by a series of generally applicable directed evolution steps….…it will be interesting to investigate the enhancement of protein function that may be accessed by combining the encoding of these cross-links with directed evolution methods.What’s notable in this paper was not only the flagrant use of evolve as an active method that the scientists used to investigate function for the purpose of enhancing protein synthesis, but also their use of the stem word “natural.”  They spoke of unnatural amino acids (those not found in wild-type living cells), and described their attempts to achieve of “synthetic evolution of unnatural polymers in cells.”  They spoke of the “inefficiency with which natural ribosomes decode quadruplet codons” but then praised their fidelity with their triplet system: “Natural ribosomes decode triplet codons with high fidelity (error frequencies ranging from 10-2 to 10-4 errors per codon have been reported).”    Another mixing of unguided and designed concepts appears in their use of synthetic.  They spoke of “synthetic evolution” (their lab work) but also used and altered the “natural” molecular machines that bind amino acids to transfer-RNA, the tRNA synthetases.  Consider also how the concept of coding was used: they wished to achieve “synthetic genetic code expansion” They shifted seamlessly between the natural genetic code and their expanded, synthesized quadruplet code.  With all this mixture of terms synthesizing and evolving natural and unnatural codes, the reader is left wondering what “evolved” on its own, if anything, and what was intelligently designed.1.  Neuman, Wang, Davis, Garcia-Alai, Chin, “Encoding multiple unnatural amino acids via evolution of a quadruplet-decoding ribosome,” Nature 464, 441-444 (18 March 2010); doi:10.1038/nature08817.Answer: everything was intelligently designed, both the natural and unnatural codes and functions.  This paper was one of the best examples in recent memory of Truman’s Law: “If you can’t convince them, confuse them.”  Using evolve as a synonym for design is a clever way to blow smoke using equivocation.  Words mean things.  This has nothing to do with evolution in the way Darwin used it, and in the way the debate rages today.  It has everything to do with intelligently designing codes to synthesize things they would not naturally do (that is, without the intervention of a human mind).  These human designers did not “evolve” anything, and they did not rule out intelligent design in the “natural” systems.  If they really wanted to talk about evolution, they should have left the lab and let “nature” take its course.  “Synthetic evolution” is as sophoxymoronic (02/02/2008 commentary) as holy atheism.(Visited 31 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more


Fall insects and diseases to watch for

first_imgShare Facebook Twitter Google + LinkedIn Pinterest They are getting worse. Maybe it was the dry fall, but as I was harvesting I saw more pod feeding that I have ever seen before. I don’t think we scout much after about mid-July so we probably missed the increasing levels of these late season insects on soybean. Late season insects I saw were grasshoppers, bean leaf beetle and (more widespread than I have ever seen) the brown marmorated stink bug.Check these pictures of bean leaf beetle pod damage and of the adult brown marmorated stink bug to see if these images remind you of what you saw at or just before harvest. I had them crawling on the combine and on other surfaces around soybean harvestDisease?Variety and hybrid selection matters — choose a variety with excellent protection from disease. Did you see frogeye in soybeans this year or gray leaf spot in corn? Comb through your company seed trail yield data and look through the seed catalogs. And as quickly as it is posted look through any unbiased yield data you can find, including OSU’s corn and soybean performance trials. Watch for the print edition of the trials here in the OCJ later this year or online in the C.O.R.N. newsletter at http://corn.osu.edu.Did Soybean cyst nematode hurt yields this year? Probably, as we have been conducting the soybean surveys across Ohio the past three years, we have found more SCN than you expected. So from Anne Dorrance and Terry Niblack our OSU Plant pathologists we get these suggestions from a recent C.O.R.N. newsletter: http://corn.osu.edu/newsletters/2015/2015-34/sampling-for-soybean-cyst-nematode-2013-it2019s-time.This year’s early harvest provides the perfect opportunity to take a look at the SCN populations in your fields.  We know that the state is now “polluted” with SCN, fortunately most of those fields are at very low levels, which is where they should be kept. However, there are some surprising locations where individual fields are getting or have gotten into trouble with very high populations.SCN is picky about what it feeds and reproduces on, but it does like a few weed hosts and cover crops as well as soybeans. If you have SCN in your fields, it is important to also control winter annuals such as purple deadnettle, but also avoid cover crops such as several of the clovers, cowpea and common and hairy vetch.So it is time to sample! We recommend sampling in the fall because in most cases this is what the population will be in the spring.  With the warmer weather this year and hopefully no frozen ground, there should be ample time to collect and process the samples in plenty of time for spring planting. Processing of samples does cost time and money, so here are a few thoughts on how to sample or how to target your sampling to get the best information for your money. Through funds from the soybean checkoff, we have completed several targeted surveys over the past five years. My group tended to target those fields where yields were stuck or below 30 bushels per acre. Or when we sampled we hit those pockets in the field where the soybeans tended to be shorter or where they matured earlier and always yielded less that the rest of the field. We were able to detect SCN in almost all of these situations, so these are the ones that should have the top priority for sampling.last_img read more