Index Reveals a Rise In Foreclosure Activity

first_imgHome / Daily Dose / Index Reveals a Rise In Foreclosure Activity About Author: Brianna Gilpin Index Reveals a Rise In Foreclosure Activity Tagged with: Bankruptcy Consumer Confidence Foreclosure Bankruptcy Consumer Confidence Foreclosure 2017-09-11 Brianna Gilpin Brianna Gilpin, Online Editor for MReport and DS News, is a graduate of Texas A&M University where she received her B.A. in Telecommunication Media Studies. Gilpin previously worked at Hearst Media, one of the nation’s leading diversified media and information services companies. To contact Gilpin, email [email protected] Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily Related Articles Servicers Navigate the Post-Pandemic World 2 days ago September 11, 2017 3,172 Views Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img Previous: Foreclosure Proceedings Limited Next: Over Half of Top 100 Metros at New Highs The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Subscribe in Daily Dose, Featured, Foreclosure, News Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago A monthly report that covers bankruptcy, foreclosure, consumer confidence, and other data was released Thursday revealing that foreclosures are increasing—and bankruptcies could be close behind.LegalShield, a provider of legal safeguards and identity theft solutions, released its LegalShield Law Index that uses five indices: the LegalShield Consumer Financial Stress Index, Bankruptcy Index, Housing Activity Index, Foreclosure Index, and Real Estate Index. The indices rely on LegalShield’s unique and proprietary database of member demand for and usage of legal services as well as a close tracking of the Consumer Confidence Index by The Conference Board, Housing Starts report by the Census Bureau, and Foreclosure Starts by the MBA.In its Foreclosure Index, foreclosures worsened, which is reflected in a 5.1 point rise to 63.8 in August, even though foreclosures remain down nearly 5 percent year-over-year. LegalShield said if debts such as student loan, credit card, and auto increase, bankruptcies could also be on the rise, mainly due to consumer financial health being weighed down.”While confidence remains an important economic indicator, our data suggest that confidence is inflated right now,” said James Rosseau, LegalShield’s Chief Commercial Officer. “Decision makers who rely heavily on confidence measures in forecasting consumer spending may be disappointed.”Rosseau said the inflated confidence is due to what they believe is stubborn optimism. Though consumers have reason to be assured about the economy, and LegalShield hopes for continued economic strength, their data has worsened in recent months.“In light of these developments, we want to make decision makers aware that consumer spending will likely continue to fall short of the levels implied by consumer confidence,” Rosseau said. “In short, the consumer picture is pretty good, but not gangbusters.”LegalShield publishes the Law Index on the sixth business day each month. To read the full report, click here. Share Save  Print This Postlast_img read more

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Proptec-packed outsourced letting management service launches

first_imgHome » News » Proptec-packed outsourced letting management service launches previous nextProptechProptec-packed outsourced letting management service launchesF%ur has today begun offering its service to letting agents at just 4% and backed by tech from AskPorter, Adiuvo and Rushbrook & Rathbone.Sheila Manchester15th July 201901,196 Views The letting fees ban has brought even more pressure on agents across the country, now help is at hand to take some of he strain. A white label outsourced lettings and residential property management service has launched today that charges just four per cent, which, it claims, undercuts all other players in this market.F%ur has been launched by Adiuvo, the largest specialist out of hours management in the property industry, servicing multinational agencies like Savills and Knight Frank for the past 12 years, looking after more than half a million properties out of hours, providing 24/7 call handling triage.In a very smart packaging process, F%ur adds cutting edge technology provided by Askporter – an Artificial Intelligence powered property management platform – to specialist call handling and maintenance from its parent company Adiuvo and expert back office letting processes provided by Rushbrook & Rathbone.By combining these elements, F%ur offers letting agents and portfolio managers a fully outsourced solution for all the time-consuming parts of the property cycle – including all pre-tenancy administration including referencing, the agreement and right to rent checks; all tenancy, maintenance and management including a yearly inspection; rent collection, accounts and arrears management and complete post-tenancy including deposit issues or renewals – at a cost of four per cent of the monthly rent.Colin Stokes, Managing Director of F%ur, says: “Further to our investment in askporter in 2018 we saw the possibility of combining the askporter platform with our own our expertise in the industry to offer a service to letting agents and property managers at a hugely competitive rate.“The addition of our partnership with Rushbrook & Rathbone, experts in back office lettings, means we are able to provide clients with a complete service that provides the best of tradition and innovation.“Agents’ margins have been squeezed tight with the tenant fee ban; a solution like F%ur which agents can fully white label, will help them offer great value to their clients and make a return for themselves too.” PropTech-enabled firm F%ur Adiuvo Colin Stokes Four per cent July 15, 2019The NegotiatorWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021last_img read more

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insider

first_imgReading Alan Stuart in British Baker the other week (12 January pg 13), I thought how true it is that small can be successful against the big boys and his comments about Peter Drucker were so right. The thing I remember of Drucker was his view that all car show rooms should have a red convertible on display, which would bring in the men as it would make them think of wild youth and sex, while their wives would then make them buy a sedan.Somehow, my flashy cycle, complete with crossbar, did not really have the same suave sophisticated appeal to girls. Or was it my khaki shorts? One will never know.The question is could we use a similar marketing ploy in our bakery shop windows? A row of beautiful sausage rolls and Cornish pasties, our best-selling lines, do not seem to have the same appeal as that red convertible.Any suggestions you might have of products we could display, to inflame young men or women’s desire and make them purchase in huge quantities, would be most appreciated.The mind boggles as to how one family has kept a business running so long and so profitably. It really is very rare, although there are a few Scottish companies that seem to have found the secret of continuity. Having met a few Scots, the one thing they all have in common is that they are such nice people; it must be in the genes or is it thanks to Scotch whisky?While I must confess that the Scots’ reputation for being canny is true, I am not sure of the veracity of the story that, when Alan went into his local chemist and bought a baby bottle, his chemist friend said: “That’s rather extravagant, Alan.” “No not this time,” came the reply, “the wife’s having triplets.”I have always considered the best way to learn and get good ideas is to visit successful bakers. They are always generous with their time and knowledge, unlike politicians, who never think things through. Why, only the other day I read that the government thought mini brothels were a good idea! Have they never heard of the economy of scale?Then there is the current craze to give fancy titles to simple jobs, such as destination expert for travel agent. These crazy ideas are usually thought up by management consultants, who are often brought in by management either too weak or inefficient to make their own decisions, which they are paid to do.In my view, consultants should be brought in to solve specific problems, particularly technical ones, and not general management ones. That is our problem and if we can’t solve it, then perhaps we should not be running a company.The money spent on consultants could be better spent on new equipment or upgrading a shop or new office equipment, not having them present us with a slick folder containing pretty well what we had already told them.Another problem I have is asking someone who has had consultants in – and spent a great deal of money – if they were satisfied with the results. After all, how many people are honest enough to answer: “No, it was a waste of money.” nlast_img read more

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Law enforcement discusses safety with students

first_imgLocal law enforcement responded to questions about the new dorm swipe access policy, emergency blue lights on campus, discrimination at Notre Dame and other student safety concerns during a panel hosted by student government and the Notre Dame Police Department (NDPD) in the LaFortune Ballroom on Wednesday night.Panelists included NDPD captain Rob Martinez, NDPD major George Heeter, NDPD deputy chief Steve Smith and major Steve Noonan of the St. Joseph County Police Department. Attendees were invited to submit questions through the app, Poll Everywhere, or ask them publicly using a microphone.Natalie Weber | The Observer Multiple questions centered around whether NDPD has considered increasing the number of blue light phone systems, which are mainly located on the perimeter of Notre Dame’s campus. There are about 65 blue light emergency stations on campus currently, Martinez said. Smith said there has been discussion about increasing the number of blue lights, but currently, they are not used very frequently.“I think folks know where they are, and they know they can utilize them anytime they want, but to be quite honest, very few calls … are actually coming through those devices,” Smith said. “So if there is a need to increase [blue light emergency stations], we would certainly do that, but again we don’t get a lot of information or a lot of requests for service through those.”Several attendees also raised questions about safety following the implementation of the new dorm swipe access policy, which restricts students’ swipe access to their own dorms. Questions raised were concerns about people allowing strangers into their dorms, and attendees asked if there were any policies in the works to address this issue.Smith said he doesn’t know of any pending policies yet that are to be implemented in the dorms soon.“The one thing I would suggest is make sure you never leave a door propped open,” Smith said. “That’s been an issue in the past. … We encourage you not to do that, because it invites folks to come on in anytime they want. So to the extent that you can, I would ask that you monitor who comes in and not necessarily just let anybody in.”In response, one attendee submitted a question, raising concerns that women in particular might not feel comfortable turning away men who come to their dorms. The question asked if “full-time clerks” could be implemented in dorms to monitor who enters and exits.“That would be a great solution,” Smith said. “However, I think trying to staff an entrance like that is challenging.”Smith said NDPD has also considered installing cameras at the entrances of dorms to keep track of who comes into the dorm.“It’s early on in those discussions, but that is something that could help mitigate some of that,” he said. “And I understand it’s challenging. So what I would recommend, again, is getting to know your officers in the building. If there’s certain times of day that this is becoming an issue, let your officers know. Make them aware of that, and we can set extra patrols during that time.”In response, a student asked why the dorm swipe access policy was implemented, and suggested tracking students’ entrance to dorms with ID cards would be easier than other proposed safety solutions.“I think the University would have a perfect solution to address that issue, but it is very challenging to utilize a card so that every single person has to go through and that access is recorded, so we have documentation of that,” Smith said. “Again, that comes down to a University decision.”Martin added that the policy mirrored what other schools have enacted.“There was some benchmarking done on the process,” he said. “They’ve also been following some other universities that have actually implemented this policy.One question asked about how NDPD would response to racist slurs and threats to students of color on campus, especially in light of threats to minority students at Syracuse. NDPD is also investigating reports of “biased slurs” directed toward students Friday and Saturday that sparked a protest against hate speech.“Obviously, that’s something we want folks to report to us,” Smith said. “If you see behavior like that, or you learn of behavior like that, we want to know about it right away.”In response to a question about discrimination against LGBTQ students, law enforcement also encouraged students to report incidents to the police.Smith also discussed options for students who report sexual assault to law enforcement.“You have the option of saying ‘I want Notre Dame Police Department and the investigative team in Notre Dame Police Department to investigate that,’” he said. “Or, in St. Joseph County, we also have a Special Victims Unit … and as a student, you have the option of opting for them to investigate that crime as well.”When asked about safety in South Bend, Noonan recommended traveling in groups and being aware of one’s location. He also explained the situations that generally give rise to violence in South Bend.“Generally that violence is directed for a variety of reasons,” he said. “Sometimes it’s gang activity, sometimes a social media post can trigger violence. … The best thing for students is to stay in a group [and] always know where you’re going.”Heeter offered similar advice.“Know your surroundings, [there’s] strength in numbers, so always be with a group of other individuals,” he said.Tags: NDPD, St Joseph County Police, Student government, student safety summitlast_img read more

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Kimmich urges resting Bayern to stay ‘hungry’ for UCL bid

first_img Promoted Content6 Interesting Ways To Make Money With A DroneCouples Who Celebrated Their Union In A Unique, Unforgettable WayBest Car Manufacturers In The WorldBest & Worst Celebrity Endorsed Games Ever MadeSan-Francisco Runner Creates Art Just By Jogging Around7 Universities In The World With The Highest Market Value10 Phones That Can Easily Fit In The Smallest PocketTop 7 Best Car Manufacturers Of All Time8 Superfoods For Growing Hair Back And Stimulating Its Growth20 Completely Unexpected Facts About ‘The Big Bang Theory’13 kids at weddings who just don’t give a hootIs This The Most Delicious Food In The World? Loading… Robert Lewandowski has scored 51 goals this season, including 34 in the Bundesliga and is the Champions League’s top-scorer with 11. Behind the Poland striker, Thomas Mueller has 25 assists, including a record 21 in the Bundesliga. Kimmich has bossed the defensive midfield alongside Germany team-mate Leon Goretzka and suggests his side have developed a mental edge. “In the last two seasons, mentality has been the most important factor in winning the German league title,” said Kimmich. “Bayern may be ahead of other teams in this respect.” Bayern have signed goalkeeper Alexander Nuebel, defender Tanguy Nianzou Kouassi and winger Leroy Sane for next season. Read Also: Solskjaer realistic on transfers but keen to keep Pogba However, Flick has said they are fighting to keep left-back David Alaba and playmaker Thiago Alcantara, who has been linked to Liverpool, with both players out of contract in 2021. According to Spanish media reports, midfielder Javi Martinez is also considering leaving with a year left on his contract. FacebookTwitterWhatsAppEmail分享 Bayern Munich midfielder Joshua Kimmich said on Wednesday the double-winning German champions must stay “fully focused and greedy” for more silverware during their two-week holiday before launching their assault on the Champions League. Head coach Hansi Flick sent Bayern on a break after winning the German Cup last Saturday before fine-tuning their preparations for the return of European competition. “Now it’s time to recharge our batteries and then tackle the Champions League with full focus and greed,” the 25-year-old told magazine Sport Bild. After completing the double with a 4-2 cup final win over Leverkusen, the Bavarians are on a 17-match winning streak dating back to February. Under Flick, Bayern have won all 11 games since the season resumed in Germany in mid-May amid the coronavirus pandemic. Bayern are chasing a treble and are among the favourites in Europe after routing Chelsea 3-0 in London in the last 16, first leg, last February before the Champions League was halted due to COVID-19. Bayern still need to finish the tie to reach the quarter-finals and the draw for the remaining rounds of the knock-out stages takes place this Friday. Kimmich called on his team-mates to keep training during their break to maintain the desire for the Champions League finals in Lisbon next month. “It will be decisive how we return from vacation: we want to keep that feeling, that hunger,” Kimmich added. – Bayern ‘mentally’ ahead – Having stumbled last November, when Flick succeeded Niko Kovac who was sacked following a 5-1 thrashing by Frankfurt, Bayern are now in great form.last_img read more

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This might end up being a low foliar disease year in corn

first_imgShare Facebook Twitter Google + LinkedIn Pinterest Early development of gray leaf spot (GLS) and northern corn leaf blight (NCLB) had us all concerned about the potential for major epidemics of these diseases in 2015. However, conditions have since been warm and dry across most of the state, drastically reducing the spread of these and other foliar diseases. In fact, lesions of GLS and eye spot from early outbreaks can still be found on leaves below the ear in some fields, but in most cases they are of restricted development and the disease has not spread to the upper leaves. Even NCLB, a disease known to affect the upper leaves during the last two months of the season, appears to be low in 2015.Typical lesions of GLS are rectangular in shape and are clearly delimited by the leaf veins. Under warm, humid or wet conditions, they expand fairly rapidly and produce large amounts of spores that are either wind- or rain-disseminated to new leaves, causing the disease to increase in space and time. This usually leads to epidemics. However, when conditions are as dry as they have been over the past several weeks, lesions either take longer to expand or fail to expand in the typical manner, causing the disease to take on a slightly different appearance. Instead of the typical rectangular shape, GLS may appear as somewhat irregularly-shaped lesions of restricted growth, with yellow halo. These restricted lesions usually produce fewer spores, which reduces the overall spread and development of the disease.last_img read more

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Thoughts on transporting the upcoming harvest

first_imgShare Facebook Twitter Google + LinkedIn Pinterest At this time of the year, I start to get questions regarding our transportation system’s ability to handle the impending harvest.  Below are some thoughts that may be of interest.From having my ear to the ground and visiting with various grain handlers, I am pretty confident our nation’s railroads will be able to accommodate the upcoming harvest.  Over the past couple years, railroads have devoted significant resources to improving the condition of their networks.  Without question, there are additional locomotives, track, and personnel available today to meet the needs of rail customers compared to previous years.  Railroads should be commended for this level of investment.While railroads have invested more in their networks, it is anticipated that volumes transported will be restrained due to farmers electing to store their grain and soybeans.  We witnessed this last year – particularly with corn.  The further retreat in prices will result in a growing number of farmers deciding to hold onto their harvest – hoping for a more opportune time to sell.  Of course, there is a limit to how long a farmer can store his or her grain and soybeans, but on farm storage will be increasingly utilized this year.Compared to previous years, a projected anemic export program will result in less volume being absorbed by the railroads and further contribute to on farm storage.  As many are aware, the strengthening of the dollar, the further depreciation of the Chinese yuan, the weakening of the Brazilian real compared to the dollar (29 percent thus far this year), and the overall concerns with the Chinese economy are producing significant headwinds for U.S. agricultural exports – especially soybeans.  The good news is that there will likely be sufficient transportation supply to accommodate demand.  The bad news is that the increasingly unfavorable economics facing the industry is a key contributing factor.Of course, the main wildcard regarding rail service is weather.  Both volume of snow and severity of temperatures can significantly curtail railroad network performance.  This was vividly on display in early 2014 when railroads struggled to absorb the 2013 harvest, in part due to a historic winter in many areas of the country.Given the challenges and concerns confronting the industry, increased focus should be on those opportunities to reduce the costs associated with our transportation system.  As I like to suggest, the profitability of the American farmer is not just a function of increased supply and increased demand.  It is also a function of increased connectivity between supply and demand.  Transportation is that connectivity.  Much of the work of the Soy Transportation Coalition, and other agricultural organizations, is to remove costs from the entire transaction so that the per bushel cost to our customers is less than before.last_img read more

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2019 Ohio Youth Capital Challenge winners announced

first_imgShare Facebook Twitter Google + LinkedIn Pinterest  Leave a Comment A team of three Ohio high school students took first place in the 2019 Ohio Youth Capital Challenge finals for their policy proposal about biosecurity at Ohio fairs.Sponsored by Ohio Farm Bureau, Ohio 4-H and Ohio FFA, the challenge brings together youths ages 14 to 18 from around the state to discuss community concerns and then work together to propose policies and programs to solve the issues.The 2019 winning team members are Caleb Durheim and Dustin Hill of Delaware County and Samantha Hinton of Seneca County. The team members share a $1500 prize for finishing first in the competition.The challenge started in the spring when groups met to learn about public policy issues and began planning their proposals. A preliminary contest narrowed the field down to four teams, which competed in the finals during the Ohio State Fair.The teams were judged on their public policy proposals dealing with a specific issue or problem. In the final competition, the teams described the steps necessary to have their public policy proposal adopted by the appropriate government authorities.Other finalists who received a $250 scholarship for their proposals:Rylee Craig, Sophia Tent and Zach Zwiebel, all from Allen County. They proposed starting Career and Technical Education (CTE) Programs in schools.Savannah Henderson and Mason Snyder from Clinton County and Dawson Osbourn from Highland County. Swine flu vaccines for exhibition was their chosen topic.Joshua Black from Columbiana County and Callia Barwick from Mahoning County discussed  E-cigarettes education.A total of $3,500 was awarded to this year’s team finalists. This is a news release for use by journalists. Questions should be directed to Ty Higgins, 614-246-8231.Editors: A high resolution photo is available to accompany this story.  Leave a Commentlast_img read more

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Remodeling Contractors Talk About Energy Retrofits

first_img This article is only available to GBA Prime Members Start Free Trial Already a member? Log in Sign up for a free trial and get instant access to this article as well as GBA’s complete library of premium articles and construction details.center_img One of the liveliest sessions at this year’s NESEA-sponsored conference (BuildingEnergy 16) in Boston was a panel discussion featuring four remodeling contractors. These energy-conscious New England builders talked about the challenges they face as they try to incorporate energy improvements into remodeling projects.The session, “Retrofit Like You Care About It: Inspiring Homeowners to Care About Efficiency,” featured Jamie Wolf (owner of Wolfworks in Avon, Connecticut), Joe Carry (owner of Decumanus Green in Lenox, Massachusetts), Heather Thompson (owner of Thompson Johnson Woodworks, Peaks Island, Maine), and Paul Eldrenkamp (owner of Byggmeister in Newton, Massachusetts).Moderator Dan Kolbert (owner of Kolbert Building in Portland, Maine) joined the discussion during the question-and-answer period.Each of the panelists spoke for a few minutes, and then the audience was invited to ask questions. Jamie Wolf “Performance is invisible. So how can we help homeowners learn to value what they can’t see?”“We bear the responsibility to alleviate our clients’ confusion. People want to make smart choices. So provide your clients with a set of smart choices.”“We need to anchor our ideas to a compelling story. ‘Barefoot comfort’ is a familiar sensation. It’s a useful place to start.”“Ice dams inspire action. Ice dams provide an opportunity to explain systemic failures.”“Don’t start with the solution; start with problem-seeking. Diagnosis comes before treatment. Start with blower-door testing and energy modeling.”“Make decisions that are important for performance early in the design process.”“Communicating all of this takes patience and persistence. Keep calm and choose your battles wisely.” Joe Carry “The builders I admire don’t present green building as an option. They only do one kind of building.” last_img read more

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