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Vermont best as US foreclosure activity drops to lowest level since November 2008

first_imgVermont had the lowest foreclosure activity in the nation in November, with 10 foreclosures at a rate of only 1 for every 31,262 units. North Dakota was a very distant second with 49 foreclosures for a rate of 1 in 6,395. New Hampshire had 561 foreclosures for a rate of 1 in 1,064.RealtyTrac (www.realtytrac.com(link is external)), the leading online marketplace for foreclosure properties, has released its US Foreclosure Market Report for November 2010, which shows foreclosure filings ‘ default notices, scheduled auctions and bank repossessions ‘ were reported on 262,339 US properties in November, a 21 percent decrease from the previous month and a 14 percent decrease from November 2009. One in every 492 U.S. housing units received a foreclosure filing during the month.‘Foreclosure activity decreased dramatically in November, with fewer than 300,000 properties receiving a foreclosure notice for the first time since February 2009,’ said James J. Saccacio, chief executive officer at RealtyTrac. ‘While part of the decrease can be attributed to a seasonal drop of 7 to 10 percent that typically occurs in November, fallout from the foreclosure robo-signing controversy forced lenders and servicers to hit the pause button on many foreclosures while they scrambled to revamp their internal procedures and revise or resubmit questionable paperwork.’Both the 21 percent month-over-month decrease and 14 percent year-over-year decrease in foreclosure activity were the highest drops recorded since RealtyTrac began publishing the US Foreclosure Report in January 2005.Foreclosure Activity by TypeA total of 78,955 U.S. properties received default notices (NOD, LIS) in November, a 21 percent decrease from the previous month and a 31 percent decrease from November 2009 ‘ the 10th straight annual decrease in default notices. November’s default notices total was the lowest since July 2007.Default notices in states that practice judicial foreclosures (called Lis Pendens filings) decreased 31 percent from the previous month and were down 43 percent from November 2009. Meanwhile non-judicial default notices (NOD) decreased 9 percent from the previous month and were down 12 percent from November 2009.Foreclosure auctions (NTS, NFS) were scheduled for the first time on a total of 115,956 U.S. properties in November, a 16 percent decrease from the previous month and unchanged from November 2009. Scheduled judicial foreclosure auctions (NFS) decreased 34 percent from the previous month and were down 12 percent from November 2009, while scheduled non-judicial foreclosure auctions (NTS) decreased 7 percent from the previous month but increased 5 percent from November 2009.Lenders foreclosed on 67,428 U.S. properties in November, down 28 percent from the previous month and down 12 percent from November 2009. Bank repossessions (REOs) decreased month-over-month in 37 states and the District of Columbia. November’s REO total was the lowest since May 2009, but November’s numbers pushed the year-to-date 2010 REO total to more than 980,000 ‘ already above the record year-end total for 2009.Nevada, Utah, California post top state foreclosure ratesDespite a 20 percent monthly decrease in foreclosure activity, Nevada posted the nation’s highest state foreclosure rate for the 47th straight month. One in every 99 Nevada housing units received a foreclosure filing in November ‘ nearly five times the national average.Thanks in part to sharp monthly drops in foreclosure activity in Arizona, Florida, California and Michigan, Utah’s foreclosure rate leapfrogged to second highest among the states in November after being sixth highest the previous month. One in every 221 Utah housing units received a foreclosure notice during the month ‘ more than twice the national average.With one in every 233 housing units receiving a foreclosure filing in November, California posted the nation’s third highest foreclosure rate despite a nearly 14 percent decrease in foreclosure activity from the previous month and a 22 percent decrease in foreclosure activity from November 2009.Other states with foreclosure rates ranking among the top 10 in November were Arizona, Florida, Georgia, Michigan, Idaho, Illinois and Colorado.10 states account for more than 70 percent of national totalCalifornia alone accounted for 22 percent of the national total in November, with 57,378 properties receiving a foreclosure filing during the month ‘ the nation’s highest state total. Default notices in California, which is primarily a non-judicial foreclosure state, decreased 11 percent from the previous month, while scheduled auctions decreased 2 percent and bank repossessions decreased 40 percent.With 32,938 properties receiving a foreclosure filing in November, Florida posted the second highest state total despite a 42 percent drop in foreclosure activity from the previous month. Default notices in Florida, which is a judicial foreclosure state, decreased 52 percent from the previous month, while scheduled auctions decreased 46 percent and bank repossessions decreased 20 percent.With 15,311 properties receiving a foreclosure filing in November, Michigan posted the third highest state total despite a 21 percent drop in foreclosure activity from the previous month. Default notices in Michigan, which is primarily a non-judicial foreclosure state, decreased 4 percent from the previous month, while scheduled auctions decreased 20 percent and REOs decreased 35 percent.Georgia posted the fourth highest state total, with 14,423 properties receiving a foreclosure filing, and Texas posted the fifth highest state total, with 13,369 properties receiving a foreclosure filing. Both states ‘ which are primarily non-judicial foreclosure states with short foreclosure processes that do not require a public default notice separate from the published foreclosure auction notice ‘ documented double-digit percentage increases in scheduled auctions from the previous month but also documented double-digit percentage decreases in bank repossessions from the previous month.Other states with foreclosure activity totals among the nation’s 10 highest in November were Illinois (12,941), Nevada (11,371), Ohio (10,458), Arizona (10,384) and Pennsylvania (5,672).Top 10 metro foreclosure rates in Nevada, California and FloridaWith one in every 86 housing units receiving a foreclosure filing in November, the Las Vegas-Paradise, Nev., metro area maintained the nation’s highest foreclosure rate among metropolitan areas with a population of 200,000 or more. Las Vegas foreclosure activity decreased 19 percent from the previous month but was up 21 percent from November 2009.Reno-Sparks, Nev., also posted a foreclosure rate in the top 10, at No. 8 with one in every 150 housing units receiving a foreclosure filing in November.Seven California cities posted foreclosure rates that ranked in the top 10: Stockton at No. 2 with one in every 130 housing units receiving a foreclosure filing; Bakersfield at No. 3 (one in 133 housing units); Modesto at No. 4 (one in 135 housing units); Vallejo-Fairfield at No. 5 (one in 144 housing units); Merced at No. 6 (one in 147 housing units); Riverside-San Bernardino-Ontario at No. 7 (one in 148 housing units); and Sacramento-Arden-Arcade-Roseville at No. 9 (one in 163 housing units).Big monthly drops in foreclosure activity in many Florida metro areas resulted in only one metro area in the state with a foreclosure rate ranking among the top 10: Port St. Lucie at No. 10 with one in every 173 housing units receiving a foreclosure filing in November.Report methodologyThe RealtyTrac U.S. Foreclosure Market Report provides a count of the total number of properties with at least one foreclosure filing entered into the RealtyTrac database during the month ‘ broken out by type of filing. Some foreclosure filings entered into the database during the month may have been recorded in previous months. Data is collected from more than 2,200 counties nationwide, and those counties account for more than 90 percent of the U.S. population. RealtyTrac’s report incorporates documents filed in all three phases of foreclosure: Default ‘ Notice of Default (NOD) and Lis Pendens (LIS); Auction ‘ Notice of Trustee Sale and Notice of Foreclosure Sale (NTS and NFS); and Real Estate Owned, or REO properties (that have been foreclosed on and repurchased by a bank). The report does not count a property again if it receives the same type of foreclosure filing multiple times within the estimated foreclosure timeframe for the state where the property is located. Source: IRVINE, Calif. ‘ Dec. 16, 2010 ‘ RealtyTrac® (www.realtytrac.com(link is external)last_img read more

Breast cancer survivor Anna Smith soldiers on

first_imgWith October being Breast Cancer Awareness Month, Caribbean National Weekly sat down with breast cancer survivor, Jamaican Anna Smith, to discuss her journey with the disease. She spoke candidly about her decisions, and how she feels now that it is all behind her. Tanya N. RagbeerAt 50 years old, cancer survivor Anna Smith discovered that something was wrong during a breast examination self-test. She found a lump in one of her breasts and was quick to act. “Well, I’d better go to the doctor and find out what it is,” she thought.This was March, 2015. However, it wasn’t until May of that year that she was officially diagnosed.“I went to the doctor and got all my tests done, got my mammogram done. The office that I went to, Pembroke Pink, has a doctor on staff and actually tells you immediately (whether or not there is anything positive),” said Smith.The staff are also quick to respond, so when I did the mammogram, the lady looked at me and said, ‘let me get the doctor’.”Positive diagnosis  When the doctor arrived, he was also forthcoming. “It looks positive,” he told her and immediately recommended additional testing. Smith was sent for a biopsy and ultrasound, which produced positive results though it did not appear to have spread to her other breast, or organs.Anna’s family (husband Patrick, daughter Rachel, and son Ryan) are very supportive of her fight against cancer.Smith, a practical person, told her husband. “It’s positive, I have to make an appointment with a surgical oncologist so I’ll do that today, but right now, I’m going to work.”Several biopsiesThe surgical oncologist scheduled several biopsies: a standard biopsy, an MRI biopsy, and one where “they do the biopsy while you are sitting on a chair, you can actually see your results on a screen in front of you,” she said.  Each came back positive.Following conclusive results on the breast, the doctor recommended checking the other, “just to make sure.” So, Smith was sent back to do additional biopsies on the other breast.“I have always had fibrocystic breasts,” Smith proclaimed.However, the results were negative. Despite the fact, the doctor felt there was a high percentage that something could develop in the cancer-free breast.“We would have to make a decision,” Smith was told “either we wait and see if anything develops in the other one, or you take care of them both at the same time.”No hesitationWithout hesitation, Smith told her doctor, “There is no decision to make. Whatever has to be done, let’s go ahead and do it.”Double mastectomyShe endured a double mastectomy.  “The way I look at it is, that you can’t be afraid. Yes, you’re nervous and you don’t know what stage you’re at, you don’t know how far it’s gone… when you first find out, you don’t know all of these things,”  said the cancer survivor.When the doctor read her the results, she immediately told him, “I don’t want to take out the lump, I just want to take it off.” And when he asked her about the other one, she responded, “I’ll just take that off too.”Not wanting to be consumed by the experience, Smith continued working “like nothing happened” until she received the final results.“If I was to sit at home and focus on it or discuss it a lot before I found out how bad it was, I think I would have been more frightened, but I think that because I kept myself busy, I didn’t focus too much on it.Reconstruction Anna Smith went through six surgeries.  “It would have been probably four, but I had a mishap with one of them so I had to take it out and start all over again,” she explained.The surgeries took a toll on her body.“When you think of the breast, you don’t realize how many muscles are there that you use every day to get up, down, move around. It is very difficult.”Smith faced two options:Take fat from the stomach to build the breasts, which takes an estimated 7-12 hours with one or two surgeries. The results are “more natural” though the healing is longer (six to eight weeks) each.Implants (Anna’s choice); four to six surgeries, each with a recovery time of three weeks. This one feels “less natural,” according to Smith.“I feel fine. When I look at them, they don’t look real to me, but they don’t look bad. Sometimes they are a little uncomfortable. Every day gets a little easier.”“Honestly, if I had to do it again,” added cancer survivor Smith, “I don’t think I would put them on. I would just go without.”last_img read more