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Foreclosure Sales Are Way Down—But So Are Solutions

first_img  Print This Post November 30, 2015 1,727 Views The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles in Daily Dose, Featured, Foreclosure, News Data Provider Black Knight to Acquire Top of Mind 2 days ago Foreclosure Alternatives foreclosure sales HOPE NOW 2015-11-30 Brian Honea Foreclosure Sales Are Way Down—But So Are Solutions While the data released on foreclosure sales and starts for the third quarter indicated substantial declines as those totals move toward pre-crisis levels, the number of non-foreclosure workout solutions seems to be declining at nearly the same rate, according to data released by HOPE NOW on Monday.HOPE NOW reported that the mortgage industry assisted approximately 337,000 homeowners in Q3 with non-foreclosure solutions that included both home retention and home forfeiture workout plans. By comparison, the industry completed 76,000 foreclosure sales during the quarter, which calculates to a ratio of 4.4 non-foreclosure solutions for every one foreclosure sale that was completed during the three-month period.While the number of foreclosure sales completed dropped significantly both over-the-quarter (15 percent, down from 89,000) and over-the-year (31 percent, down from 110,000) in Q3 2015, the number of non-foreclosure solutions also declined at similar rates—18 percent over-the-quarter (down from 411,000) and 28 percent over-the-year (down from 469,000).“As loss mitigation efforts have slowed down overall, we are still very focused on markets where recovery has been slower, where unemployment rates remain high and where affordability gaps exist,” HOPE NOW Executive Director Eric Selk said. “Our approach to housing has evolved over the years as the market has shifted from crisis to recovery and our members remain committed to achieving stability in the market.”Out of the 337,000 non-foreclosure solutions completed by the industry in Q3, approximately 98,000 were permanent loan modifications, 21,000 were short sales, and 218,000 included repayment plans, deeds-in-lieu-of-foreclosure agreements, or other retention plans, according to HOPE NOW. Within those 98,000 permanent loan modifications, approximately 69,000 homeowners completed proprietary loan modifications while approximately 29,000 completed modifications under the government’s Home Affordable Modification Program (HAMP).Foreclosure starts also declined substantially in Q3 both over-the-quarter down to 159,000 (9 percent, down from 176,000) and over-the-year (26 percent, down from 215,000), according to HOPE NOW.HOPE NOW, a voluntary, private sector alliance of mortgage servicers, investors, mortgage insurers and non-profit counselors, has hosted eight loss mitigation events in 2015 in areas hit hardest by the foreclosure crisis.“The data we have collected at our loss mitigation events in 2015 is painting a very clear picture of borrower profiles and what mortgage servicers are able to offer their at-risk customers,” Selk said. “Through eight events this year, 81 percent of attendees are either delinquent on their mortgage or in imminent default and 36 percent are first time applicants for a loan modification. That shows a clear need for immediate attention. Of the borrowers on site, 64% are reviewed for some sort of long term retention option, with another 5 percent reviewed for a short term retention solution such as forbearance.” Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Sign up for DS News Daily Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save The Best Markets For Residential Property Investors 2 days ago Subscribe Tagged with: Foreclosure Alternatives foreclosure sales HOPE NOW Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Previous: Clayton Holdings Hires EVP of Sales & Marketing Next: Two Years In, Overall Performance of SFR Securitizations Remains Strong About Author: Brian Honea Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Foreclosure Sales Are Way Down—But So Are Solutions Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

Charity predicts care sector crisis

first_img Comments are closed. Charity predicts care sector crisisOn 19 Jun 2001 in Personnel Today Previous Article Next Article Care workers are surviving on low pay and have poor training, according to areport published by the King’s Fund. The health policy charity’s research reveals that two-thirds of UK careworkers are paid an average of £5 per hour, and many do not hold relevantqualifications. Without urgent improvements, care and support services could face arecruitment and retention crisis as bad as in the NHS, the report reveals. Charity commissioner Julia Unwin said, “Care and support workers are aneglected pillar of the welfare state. Their job is to help older and disabledpeople to live ordinary lives, yet they are hampered by funding constraints,inadequate training and an undeserved low status.” The report urges the Government to allocate at least £700m extra to socialservices each year. Sally Taber, head of operational policy at the Independent HealthcareAssociation, which represents the independent care sector, said, “We agreewith the King’s Fund, but the amount of money suggested needs to be doubled.Under-funding of the care sector is undermining the environment in which careworkers want to demonstrate their professional attributes.” The report recommends financial incentives, a review of NVQs, and Departmentof Health action to raise the status and image of the sector, including newtitles and help with accommodation costs. www.kingsfund.org.uk Related posts:No related photos.last_img read more

Syracuse let down by its penalty kill in 4-0 loss to Mercyhurst

first_imgUPDATED: Jan. 27, 2018 at 7:35 p.m.After an interference call on Syracuse’s Kelli Rowswell, Mercyhurst began their first of six power plays. What was a five-on-four opportunity, turned into an inadvertent five-on-three as Syracuse’s Megan Quinn lost her stick in a fight for the puck.The Lakers were quick to take advantage as Rachel Marmen made a pass across the ice to Molly Blasen in front of SU’s bench. Blasen in turn fired the puck to Vilma Tanskanen in front of the net, who deposited the puck right past the outstretched reach of Syracuse goalie Abbey Miller for Mercyhurst’s first goal of the game.The Orange’s failure to kill the Lakers’ power-play opportunities was a reoccurring theme throughout the rest of the matchup. Syracuse (9-15-2, 8-5-1 College Hockey America) faced off against Mercyhurst (13-13-2, 10-3-1) in the second game of a weekend series, losing 4-0. In a fight for a possible first-place spot in the conference, SU struggled mightily on the penalty kill. Less than 24 hours after killing all six of the Lakers’ power play chances, Syracuse gave up four goals, three of which occurred on a Mercyhurst power play.Fifty-two seconds into the third period, Mercyhurst took advantage of another power play opportunity. Vilma Tanskanen netted her second goal of the game as the puck deflected off of SU goalie Abbey Miller’s right glove after she made a desperation save that left her lying flat on her stomach.AdvertisementThis is placeholder textMiller said that the Lakers were able to the “pick the Orange apart” on its power play opportunities.“They were making plays behind the net,” Miller said. “They (Mercyhurst) were getting those passes through today. It is a tough spot for our (defense).”SU head coach Paul Flanagan was disappointed at the Orange’s lack of effort on the defensive end and on the penalty kill on Saturday. SU came into this game riding a three-game win streak, which made Saturday’s struggles “hard to explain,” Flanagan said. He recognized a key difference between SU’s penalty kill success in Friday’s game against Mercyhurst and today’s.“I think we were giving them very good looks. Yesterday we were getting to our assignments quicker and not giving them as many good looks,” Flanagan said. “Abbey on those power plays was overworked and overextended.”Quinn said that getting back on defense after playing the wall during Mercyhurst’s power play opportunities was where the Orange was at fault against the Lakers. She also acknowledged that the Lakers’ quick, quality puck movement led to its success on the power play. With little time left in the season, Quinn knows the Orange must improve on what she says is “basic execution and knowing your job” on the penalty kill.“We’ve got to make sure we are executing on the penalty kill, blocking shots and getting the pucks out,” Stephanie Grossi said.With a win tonight and a Robert Morris loss, Syracuse would have moved into a tie for first place in the CHA. Thanks to a shoddy penalty kill Saturday, SU remains in third place with only six conference games remaining.“Mercyhurst showed us the difference between first place and third,” Flanagan said.CORRECTION: In a previous version of this post, Vilma Tanskanen was misnamed. The Daily Orange regrets this error. Comments Facebook Twitter Google+ Published on January 27, 2018 at 7:04 pm Contact Anthony: [email protected]last_img read more

Global Aids conference in South Africa

first_img8 March 2016South Africa will be hosting a series of important international conferences this year, the first being the 21st International Aids Conference, taking place over five days starting on 18 July, International Nelson Mandela Day.Aids 2016, as the conference is known, is co-hosted with the International Aids Society (IAS), and will be held at Inkosi Albert Luthuli International Convention Centre (ICC) in Durban.“This is the second time that Durban will be hosting the International Aids Conference and marks a major milestone in the HIV response,” said Olive Shisana, the Aids 2016 local co-chair. “We want to create an enhanced conference experience for everyone involved.”Aids 2016 is convened by five permanent partners: IAS, Global Network of People Living with HIV (GNP+), The International Community of Women Living with HIV (ICW), International Council of Aids Service Organisations (Icaso) and UNAids in collaboration with international and South African scientific and civil society partners. It is expected to convene over 18 000 delegates from around the world, including up to 1 000 journalists.Watch Deputy President Cyril Ramaphosa talk about the conference:“This conference will provide a platform for researchers from across the world to share the latest scientific advances in the field, to learn from one another’s expertise and to develop strategies for advancing all facets of our collective efforts to treat and prevent HIV,” the Cabinet said.Held under the theme Access Equity Rights Now, it will serve as a call to action to work together and reach people who still lack access to comprehensive treatment, prevention, care and support services.The South Africa Cabinet said it would advance the country’s HIV and tuberculosis response, and leave an impact on one of the most important challenges in the world.Come see #SouthAfrican Judge, Justice Edwin Cameron speak about human rights & stigma at #AIDS2016 plenary session https://t.co/pKJp7LiKNc— AIDS 2016 (@AIDS_conference) March 7, 2016The country will also host the 17th Conference of Parties (CoP17) to CITES at the Sandton Convention Centre in Johannesburg from 24 September to 5 October and the 35th International Geological Congress from 27 August to 4 September.These conferences help to boost the country’s influence on global governance, as well as positively contribute to tourism and investment.SouthAfrica.info reporterlast_img read more

2.5 Weeks Left Until CITO Weekend 2015

first_imgCITO Weekend is Coming Up! Find an Event and Earn Your Souvenir.CITO (Cache In Trash Out®) Weekend is coming up soon! On April 24–27, geocachers around the world gather at events to clean up natural areas, plant trees or remove invasive species and earn a souvenir. If you’re planning on creating your own event, remember that all events must be submitted at least two full weeks before the event date.For those planning on attending an event and earning your souvenir, check out the Event Calendar or new geocache search to find CITOs near you. Make sure to mark your ‘Will Attend’ to let the event organizers know you’re coming.Find a CITO Event Near YouIn Case You Missed It: Journey to the Center of the EarthCacheOn April 1, we released a short documentary video featuring a group of brave geocachers as they journeyed to the most difficult EarthCache in the world. Their trip was nothing short of incredible. If you haven’t seen it, watch it here.Ready to join the team? Show your HARDCORE EARTHCACHER pride with a t-shirt and sticker from Shop Geocaching.Share with your Friends:More SharePrint Related2020 Geocaching HQ souvenir momentsDecember 10, 2019In “Learn”Confirmed Geocaching souvenir moments for 2019January 9, 2019In “Community”You’re Part of the CITO EquationMarch 17, 2014In “Cache In Trash Out”last_img read more

7 days agoJuventus boss Sarri admits Man Utd target Mandzukic not training with squad

first_imgJuventus boss Sarri admits Man Utd target Mandzukic not training with squadby Paul Vegas7 days agoSend to a friendShare the loveJuventus boss Maurizio Sarri admits Mario Mandzukic is not training with his first team squad as he prepares for a January exit.The Croatian striker has been tipped to join Manchester United when the transfer window re-opens and bolster Ole Gunnar Solskjaer’s attacking options. “Mandzukic is not training with us, in agreement with the club,” the Juve head coach told a news conference on Friday.”If the agreement changes, I am open to everything.”Sporting director Fabio Paratici confirmed talks with Mandzukic over his future this week.”With Mandzukic, we chose a quiet time for him to leave but a move to Qatar [in the summer] did not materialise so he stayed with us,” Paratici said.”Now we will talk to him and see what happens in January. We are evaluating, he is also evaluating. We need maximum calm, he is a great player.”It has been an added value in recent years, we must thank him. If he considers it appropriate to leave, we will satisfy him, otherwise he will consider other solutions.” TagsTransfersAbout the authorPaul VegasShare the loveHave your saylast_img read more

6 days agoBournemouth captain Francis: Howe would suit England

first_imgTagsTransfersAbout the authorPaul VegasShare the loveHave your say Bournemouth captain Francis: Howe would suit Englandby Paul Vegas6 days agoSend to a friendShare the loveBournemouth captain Simon Francis says manager Eddie Howe can coach England in the future.Francis is one of those who have made the journey from League One with Howe, who he believes would make a perfect successor to Gareth Southgate as England coach. But not yet.He told the Daily Express: “Eddie would be suited to the England job – but further down the line.“His sole aim right now is to be as successful as he can with Bournemouth. We were 9th a couple of seasons ago – and this squad is much better.“He will know that. He still has targets in mind, where he wants us to finish, what he wants to do before he thinks about going.“Eddie deserves a chance. I would love to see him one day – not anytime that I am still here – go and manage a top team, because he would be successful. He has everything.” last_img read more

HSH Nordbank Rejects Rickmers Debt Restructuring Plan

first_imgzoom German HSH Nordbank has dismissed the debt restructuring proposal of Singapore-based containership owner and operator Rickmers Maritime, the shipping firm’s trustee-manager Rickmers Trust Management (RTM) said in an update. The proposal is related to the restructuring of SGD 100 million (around USD 71 million) notes due in May 2017.As a result, HSH Nordbank, Rickmers Maritime’s largest senior lender, advised RTM to formulate a revised restructuring proposal.RTM also said that there were no further discussions between the senior lender and its financial adviser, Ferrier Hodgson, adding that it expects that the restructuring of the notes “is likely to be further delayed.”However, the bank indicated that it may consider a material debt forgiveness of the existing loans if RTM is able to secure similar, substantial debt forgiveness from the noteholders and its other unsecured creditors and raise additional equity.RTM said it is currently in discussions with its advisers to formulate a new framework for restructuring the liabilities of the trust and intends to present the new restructuring proposal to its creditors and noteholders once it is finalized.“Given that the trust is formulating a new proposal for the restructuring of its liabilities, the trustee-manager is of the view that there is still basis for the trust to continue and the trust should not be wound up in accordance with its trust deed at this time,” RTM noted.In February, RTM said that Rickmers Maritime might be forced to wind up its business if the efforts to refinance its bank loans are unsuccessful.The trust posted a net loss of USD 180.1 million in FY2016, sinking further from a net loss of USD 129.2 million recorded a year earlier, mainly due to the lower charter revenue and vessel impairments worth USD 168.7 million.last_img read more

Canaccord Genuitys Q3 earnings get huge lift from cannabis blockchain

first_imgTORONTO – Canaccord Genuity’s third-quarter earnings got a major lift from a flurry of deals in the Canadian cannabis sector, which helped the investment bank see its net income rise more than 500 per cent year-over-year.The Toronto-based financial services and advisory firm reported adjusted net income before taxes of $50.3 million for the three-months ended December 31, compared to $7.8 million during the same period in 2016.That works out to earnings per share for the fiscal third quarter of $0.31, well above the $0.17 expected by analysts surveyed by Thomson Reuters.It also earned revenue of $309.4 million, marking a record for the organization.“Canaccord Genuity was the leading independent investment bank in Canada for calendar 2017 by a wide margin for both number of transactions and total amount raised, and this business continues to be active with numerous transactions in the blockchain and cannabis sectors,” said its chief executive officer Dan Daviau in a letter to shareholders.Daviau said the primary driver was its capital markets division, which participated in 141 transactions globally including several large transactions in the marijuana sector for companies such as Aurora Cannabis Inc.The investment bank was also kept busy by growing interest in blockchain, participating in transactions for firms such as Global Blockchain Technologies.But financing activity was particularly brisk in the cannabis sector as firms raised cash to gear up for the legalization of the drug for recreational use in Canada later this year.Smaller investment banks such as Canaccord have been the beneficiaries of Canada’s burgeoning cannabis industry, while the country’s biggest banks — many of which have ties to the U.S. where medical pot remains illegal under federal law — have been reluctant to serve them.And in January, U.S. Attorney-General Jeff Sessions rescinded an Obama-era memo that suggested that federal lawmakers would not intervene in states where the drug is legal, which allowed legalization of the drug to flourish in several states. Sessions said he would leave it to federal prosecutors in those states, such as California, to decide how aggressively to enforce federal law.That same month, the Bank of Montreal participated in a $175-million bought deal for licensed marijuana producer Canopy Growth — which does not have any U.S. exposure — marking a big shift in policy for the country’s biggest financial institutions.Daviau said Wednesday that Canaccord is “happy” the big banks want to enter the sector.“(It) just adds further credibility to the sector, improves valuation, broadens distribution,” he told analysts on a conference call.He also noted that most of the money Canaccord makes in the cannabis sector comes from “helping little companies grow to be very big companies.”“We don’t pursue bank competition in that area,” he said. “Quite frankly, we’d welcome it. But they wouldn’t stand a chance.”Companies in this story: (TSX:CF, TSX:ACB, TSX:BMO, CSE:BLOC)last_img read more

Geoscience BC releases report on the effects of melting permafrost

first_img“Permafrost thaw ultimately results in drying of wetlands in this region. Understanding the water balance in this region of B.C. is critical to making decisions about water management by communities and industry. This research provides unbiased earth science information to inform responsible natural resource management in this fragile, changing landscape.”Geoscience B.C. funded the Cold Regions Research Centre at Wilfrid Laurier University in Waterloo, Ontario, as part of the Consortium for Permafrost Ecosystems in Transition.For more information, you can visit Geoscience B.C.’s website. This is when once frozen or trapped water in isolated wetlands begins to drain away.William L. Quinton, Director of Wilfred Laurier University’s Cold Regions Research Centre, says this thawing of permafrost will change the ecosystem.“Northeastern BC is the front lines of permafrost thaw. It is a place where permafrost thaw means permafrost disappears, and the ecosystems that were supported by permafrost change.”Quinton also says these changes to the ecosystem also brings changes to the way water moves and is stored in the landscape.“Permafrost-induced changes to ecosystems and land-covers bring about changes in the way that water moves and is stored on the landscape. We have found that permafrost can impound water like a dam, so when permafrost thaws, the landscape upslope can start to drain and generate runoff which can raise the flow in streams and rivers.”Carlos Salas, Vice President and Chief Scientific Officer for GeoScience B.C., says permafrost thawing will lead to the drying of wetlands and says this research provides information to better manage the fragile landscape in a responsible way. VANCOUVER, B.C. – Geoscience B.C. has released a new report that shows the effects melting permafrost has on the landscape and hydrology.The research within this report examined how thawing permafrost affects the hydrology and land cover of sensitive environments.In the report, the findings show that Northeastern B.C. is to experience what is called ‘Thaw-induced land-cover change’.last_img read more