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Helping Homeowners Through Foreclosure Reform

first_imgHome / Daily Dose / Helping Homeowners Through Foreclosure Reform The Week Ahead: Nearing the Forbearance Exit 2 days ago FHA Foreclosure reform 2019-10-04 Seth Welborn About Author: Seth Welborn October 4, 2019 1,100 Views The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save Sign up for DS News Daily Tagged with: FHA Foreclosure reformcenter_img Previous: The Industry Pulse: Updates on Continuity, CoreLogic and More Next: Mortgage Industry Impact: Employment Rate Declines The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Foreclosure, News Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Helping Homeowners Through Foreclosure Reform Servicers Navigate the Post-Pandemic World 2 days ago Subscribe Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. Related Articles This week, city residents and lawyers at a Philadelphia City Hall news conference, called on the Pennsylvania Housing Finance Agency (PHFA) to eliminate a policy that often requires homeowners facing foreclosure to first pay off any liens against them before their mortgage can be modified, The Philadelphia Inquirer reports. These liens, the lawyers said, can include water and gas debts, real estate back taxes, medical bills, or parking tickets.According to housing advocates, homeowners with Federal Housing Administration (FHA) loans administered by PHFA have had a harder time securing permanent loan modification when they have liens and judgments against them. The loans allow homeowners to pay as little as 3.5% of a purchase price for a down payment. “It’s a practice that threatens [homeowners] with the unnecessary loss of their homes, and threatens to put people into a market where housing is not affordable [and] is not available,” said Irwin Trauss, a lawyer with Philadelphia Legal Assistance.Kate Newton, PHFA’s Director of Loan Servicing, told the The Philadelphia Inquirer that the issue boils down to PHFA trying to comply with regulations from the U.S. Department of Housing and Urban Development. Nearly half of the athe PHFA’s portfolio is FHA loans, and in the past two years, the PHFA has agreed to permanently modify more than 500 loans in Philadelphia.“Unless [these municipal liens] do a subordination agreement or they get paid off … we know our modified mortgage would not be in first position,” Newton said. “… It would be a lot easier for us if we didn’t have to worry about doing all of this, and we don’t want to be in this position, either.”According to ATTOM Data Solutions, 277 Philadelphia homeowners had foreclosure proceedings filed against them in August 2019. Additionally, Philadelphia holds one of the highest foreclosure rates among cities with at least one million people, at one in every 1,422 housing units as of August 2019.last_img read more

Wolf Administration Announces Redevelopment of Mine Project in Columbia County

first_imgWolf Administration Announces Redevelopment of Mine Project in Columbia County August 28, 2018 SHARE Email Facebook Twittercenter_img Energy,  Infrastructure,  Press Release Harrisburg, PA – Today, Governor Tom Wolf announced funding for a mine development project that will reengineer, reopen, and redevelop a large reserve of Mammoth coal in the Mount Carmel region of Columbia County.“I will continue to partner with industry and our local communities to ensure that the commonwealth reaps the greatest possible benefit from our resources, so that our communities, our industries, and our workforce can thrive and Pennsylvania will remain competitive in the manufacturing economy,” said Governor Wolf.Blaschak Coal Corporation was approved for a $1 million grant to develop a large reserve of Mammoth coal in the Mount Carmel region. The development will employ 25 to 30 UMWA miners and is the largest new mine development project in the region. Once the development is complete, it will provide a considerable production of high quality anthracite coal for more than 20 years. As mining progresses, the land will be reclaimed and made available for alternative uses in the community. Wages for the created jobs more than double the median household income in the region.Supported through the Redevelopment Assistance Capital Program (RACP), funding will support critical expansion projects, some of which will provide opportunities for additional economic development.last_img read more

49ers Matt Breida gives injury update, and it’s not rosy

first_imgYOU GOT WHAT IT TAKES?Pick against our pros all season long and win!***SANTA CLARA — Matt Breida, who leads the NFL in rushing yards and yards per carry, sounded a cautious Friday note when asked about his chances of recovering from a right-knee injury in time to face the Los Angeles Chargers.“It’s going to be a game-time decision. I have to feel comfortable,” the 49ers running back said in advance of Sunday’s game. “I’m not at 100 percent right now.”Breida said he wants to play but …last_img

Early Humans Sailed to Islands

first_img(Visited 669 times, 1 visits today)FacebookTwitterPinterestSave分享0 Stone tools and bones on islands show that Neanderthals and other “archaic Homo” individuals must have sailed there.Paleoanthropologists have been wiping egg off their faces for years now, after continual findings reinforce the fact that Neanderthals were just as smart and capable as we are (29 April 2019), not dumb caveman brutes like evolutionists had portrayed for a century.Earliest occupation of the Central Aegean (Naxos), Greece: Implications for hominin and Homo sapiens’ behavior and dispersals (Science). Unless you’re Jesus, you don’t get to an island by walking on water. How did artifacts dated at 200,000 Darwin Years get to islands in the Aegean Sea? This paper tentatively suggests that the makers boated there. Unless geologists can prove land bridges, or that the islands were in shallow water that enabled wading, that’s the only reasonable explanation – and it changes the view of the intelligence of Neanderthals and other “hominins” that were supposedly more primitive than modern humans.Here, we detail evidence from excavations at the chert source of Stelida on what today is the island of Naxos in the middle of the Aegean Basin, where paleodosimetric dates suggest that hominins were present in the region by 200 ka ago, accessing the chert quarry during a glacial lowstand when exposed land connected Anatolia to continental Southeast Europe, by seafaring, or through some combination of the two (Fig. 1). Throughout the remainder of the Pleistocene, this region was occupied and/or traversed at least sporadically, including by early H. sapiens ~40 to 30 ka ago (who may have arrived by boat), and later by indisputably seafaring Mesolithic hunter-gatherers of the Early Holocene.Naxos sits in the middle of the Aegean Sea. Nearest mainland is 75-90 miles away. (Google Earth)Scientists find early humans moved through Mediterranean earlier than believed (Science Daily). As usual, the paleoanthropologists were shocked by what they find. How did dumb brutes cross seas? Naxos is an island!An international research team led by scientists from McMaster University has unearthed new evidence in Greece proving that the island of Naxos was inhabited by Neanderthals and earlier humans at least 200,000 years ago, tens of thousands of years earlier than previously believed.Notice they’re talking about “earlier humans” than Neanderthals. This would have to be Homo  erectus or other members of Homo, which creationists argue are true humans. If they boated over to islands, they were not transitional forms from apes.In this paper, the team details evidence of human activity spanning almost 200,000 years at Stelida, a prehistoric quarry on the northwest coast of Naxos. Here early Homo sapiens, Neanderthals and earlier humans used the local stone (chert) to make their tools and hunting weapons, of which the team has unearthed hundreds of thousands.Reams of scientific data collected at the site add to the ongoing debate about the importance of coastal and marine routes to human movement. While present data suggests that the Aegean could be crossed by foot over 200,000 years ago, the authors also raise the possibility that Neanderthals may also have fashioned crude seafaring boats capable of crossing short distances.If “earlier humans” were there, they also had to use boats. Why did they have to be “crude” seafaring boats? If made of wood to float, there would likely be no trace left after just a few decades or centuries, so the researchers are just imagining they were crude.The findings, published today in the journal Science Advances, are based on years of excavations and challenge current thinking about human movement in the region — long thought to have been inaccessible and uninhabitable to anyone but modern humans. The new evidence is leading researchers to reconsider the routes our early ancestors took as they moved out of Africa into Europe and demonstrates their ability to adapt to new environmental challenges.The evolutionary paleoanthropologists are proposing that archaic human beings boated repeatedly over the sea to get chert on this island for tools, suggesting this was a frequent trip they made. The time frame for this occupation, in their dating, covers 150,000 years. In all that time, did they never think about building cities, planting farms, or domesticating animals. If they were smart enough to boat across the sea, is that plausible?Evolutionists cannot admit they were wrong, so we have expose them. They hide their shame in Tontological phrases like “this challenges current thinking” and goes against what was “long thought.” Whose thinking? Who ‘long thought’ that? Did you? Don’t let them sweep you into their mythology. The gig is up, evolutionists: your story of human evolution fell apart, and with it falls the moyboy timeline. These sailors were real people, not evolving apes. They were living not that long ago: thousands of years, not hundreds of thousands. The facts fit the Tower of Babel dispersion described in the Bible: post-Flood explorers migrating long distances and settling wherever they could, using their intelligent human brains to find materials to make tools. It took some time, but not a long time, for them to settle down in permanent dwellings, then towns, then cities. That makes sense. Living in caves for 20 times the length of recorded human history does not.last_img read more

Joshua Pacio admits to shortcomings in close title loss to Yosuke Saruta

first_imgTS Kammuri to enter PAR possibly a day after SEA Games opening Don’t miss out on the latest news and information. ONE CEO believes Joshua Pacio won the fight PLAY LIST 00:52ONE CEO believes Joshua Pacio won the fight04:36Joshua Pacio is the new ONE Strawweight world champion01:04Team Lakay’s rough start lights a fire under Danny Kingad02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss Photo from ONE ChampionshipJAKARTA, Indonesia—Filipino Joshua Pacio was the first to admit his shortcomings against Japanese Yosuke Saruta in their world title fight Saturday night.Pacio lost by split decision to yield the strawweight belt to the gritty Saruta in only his first title defense, just four months after winning it.ADVERTISEMENT LOOK: Joyce Pring goes public with engagement to Juancho Triviño But even before he joined ONE, the 31-year-old Saruta (19-8) had already amassed experience being in big fights as a former champion in Shooto.Fighting Saruta also served as an eye-opener for Pacio.“This fight was a great experience for me. It showed me that I still need to work on a lot of things. I’m more motivated to train and improve my offense and defense.”Sports Related Videospowered by AdSparcRead Next View comments WATCH: Manny Pacquiao gets visit from Floyd Mayweather in locker room ahead of fight SEA Games: Biñan football stadium stands out in preparedness, completion Lacson backs proposal to elect president and vice president in tandemcenter_img LATEST STORIES MOST READ Private companies step in to help SEA Games hosting The Team Lakay star, who just turned 23 on January 10, thinks Saruta’s experience also played a role in their bout.“His experience was a factor but it was still up to me. If only I did more work in the fight, I think the decision would’ve favored me.”It took only two fights in the promotion for Saruta to rise all the way to the top of the strawweight division.ADVERTISEMENT Shortly after the grueling fight, Pacio could only wish he had done things differently.“I know my shortcomings in the fight. I felt I was too defensive and he (Saruta) just kept coming forward. Yes, he was able to take me down but he wasn’t able to take control of me that long,” Pacio told reporters in Filipino.FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSUrgent reply from Philippine ‍football chiefSPORTSWin or don’t eat: the Philippines’ poverty-driven, world-beating pool stars Oil plant explodes in Pampanga town Is Luis Manzano planning to propose to Jessy Mendiola? SEA Games hosting troubles anger Dutertelast_img read more

IPL 2019: Virat Kohli arrives at Kotla as RCB look to dominate DC again

first_imgRoyal Challengers Bangalore will take on Delhi Capitals at the Feroz Shah Kotla in Virat Kohli’s hometown in a crunch Indian Premier League (IPL) 2019 on Sunday.There’s a lot at stake for the two teams who are at the opposite ends of the IPL 2019 points table. While Delhi Capitals, who are placed third on the eight-team table, will seal a playoff spot if they win on Sunday, RCB need a win to keep their outside chances of making the last four alive.Despite having won three matches on the bounce, RCB are still rooted at the last spot on the points table. A defeat at Kotla would ruin any chances of what could still prove to be one of the most remarkable comebacks in the history of the IPL.Competing at the venue he had played in all his life to become the criketing superstar he is today, Virat Kohli will want to prove a point against the Delhi Capitals. Also, RCB will be keen on avenging their early-season defeat to DC.Kohli has amassed 802 runs against Delhi Capitals over the years the most he has scored against any opponent in the IPL. The RCB captain will be raring to lead his team from the front.Kohli hasn’t managed to trouble the scorers much after the match-winning hundred against Kolkata Knight Riders on 19 April. However, the India captain is heading into the Delhi clash on the back of a three-day break that should have helped him regain focus.Watch @Heini22 and @SHetmyer fire up at the net practice session in Delhi. Can’t wait to see these guys #PlayBold tomorrow! pic.twitter.com/w8gtMk2UF5advertisementRoyal Challengers (@RCBTweets) April 27, 2019Royal Challengers Bangalore will also be bolstered by their stunning record at the Feroz Shah Kotla. They have not lost a match at the iconic venue since 2010, winning their last six matches against Delhi in Delhi.Last year, usual suspects Virat Kohli and AB de Villiers combined to help RCB gun down a 182-run target against Delhi Capitals at the Kotla. While Kohli struck a 40-ball 70, de Villiers smashed 72 not out from just 37 balls to help RCB complete a successful chase.However, it will be difficult for the two flamboyant batsmen to get going on the Delhi Capitals pitch that has played slow in IPL 2019. Both teams have some big-hitters who love some pace on the ball. However, a little bit of patience and good shot selection are a must on the Kotla track.Delhi Capitals have lost three of their five matches at the Kotla in IPL 2019. Their batsmen have struggled on the sluggish wickets on offer at home. However, Shreyas Iyer’s men can take confidence from the way they beat Kings XI Punjab at home in their previous match at the Kotla.Skipper Shreyas Iyer, who spoke to the media on the eve of the big-ticket clash, said his team now has a fair idea of the Kotla pitch and he is confident of an improved batting show against RCB.”It’s an advantage for us because we get to practice in the afternoon and we have been doing that in the night games. We are now aware of the wickets, how it’s going to play we have a fair idea now,” Iyer said.”In all the coming three games we are playing here, Chennai and then back again and it’s kind of a similar wicket. So it’s a blessing in disguise for us to be going through this condition.”Also Read | From fairy tale beginning to 6 losses in a row: Kolkata Knights Riders’ woes at IPL 2019Also Read | Unadkat credits Steve Smith’s backing for match-winning spell vs SRHAlso See:last_img read more

House passes GOP budget in key step for upcoming tax debate

first_imgWASHINGTON – The House on Thursday passed a $4.1 trillion budget plan that promises deep cuts to social programs while paving the way for Republicans to rewrite the tax code later this year.The 2018 House GOP budget reprises a controversial plan to turn Medicare into a voucher-like program for future retirees as well as the party’s efforts to repeal the “Obamacare” health law. Republicans controlling Congress have no plans to actually implement those cuts while they pursue their tax overhaul.That’s especially so in the Senate, where the Budget Committee on Thursday gave party-line approval to a companion plan.Instead, the nonbinding budget’s chief purpose is to set the stage for a tax overhaul plan that is the party’s top political priority as well as a longtime policy dream of key leaders like Speaker Paul Ryan.The White House issued a statement saying the House plan is a key step toward “Making America Great Again.”The House measure, passed by a near party-line vote of 219-206, calls for more than $5 trillion in spending cuts over the coming decade, promising to slash Medicaid by about $1 trillion over the next 10 years, cutting other health care costs, and forcing huge cuts to domestic programs funded in future years by Congress.“It’s a budget that will help grow our economy, and it’s a budget that will help rein in our debt,” said Ryan, R-Wis. “It reforms Medicaid. It strengthens Medicare.”But Republicans are not actually planning to impose any of those cuts with follow-up legislation that would be required under Washington’s Byzantine budget rules. Instead, those GOP proposals for spending cuts are limited to nonbinding promises, and even a token 10-year, $200 billion spending cut package demanded by tea party House Republicans appears likely to be scrapped in upcoming talks with the Senate.Instead, the motivating force behind the budget measures is the Republicans’ party-defining drive to cut corporate and individual tax rates and rid the tax code of loopholes. They promise this tax “reform” measure will put the economy in overdrive, driving economic growth to the 3 per cent range, and adding a surge of new tax revenues.“In order to pay for these huge tax breaks for millionaires and billionaires, this Republican budget makes savage cuts to the life and death programs that mean so much to ordinary Americans,” said Sen. Bernie Sanders, I-Vt.Passing the measure in the House and Senate would provide key procedural help for the tax measure because it sets the stage for follow-on legislation that can’t be filibustered by Senate Democrats. Republicans used the same so-called reconciliation procedure in their failed attempt to kill “Obamacare,” including its tax surcharges on wealthy people.“Through reconciliation, our budget specifically paves the way for pro-growth tax reform that will reduce taxes for middle-class Americans and free up American businesses to grow and hire,” said Rep. Diane Black, R-Tenn., who chairs the House Budget Committee.Eighteen Republicans opposed the measure, including several from high-tax states like New York and New Jersey who are concerned that the upcoming tax effort would repeal the deductions for state and local taxes.Democrats blasted the sweeping spending cuts proposed by Republicans — more than $5 trillion over 10 years in the House plan and somewhat less in the Senate GOP measure — as an assault on middle-class families and the poor.“Is it a statement of our values to take a half-trillion dollars out of Medicare to give a tax cut to the wealthiest people in our country?” said House Minority Leader Nancy Pelosi, D-Calif.The Senate Budget Committee’s companion plan approved Thursday differs in key details — but would still result in a deficit of $424 billion in 2027, according to the Congressional Budget Office.The House measure assumes the upcoming tax bill won’t add to the deficit; the Senate version, however, would permit the measure to add $1.5 trillion to the $20 trillion-plus national debt over the coming 10 years. The final version is likely to stick closely to the Senate measure in key respects. A final House-Senate agreement won’t come until November, Black said, but she anticipated conflict over the Senate plans.“That is certainly going to be a very lively discussion,” Black said of House-Senate talks. “Our members are concerned about (budget) balance and they’re also concerned about the debt and deficits.”The real-world trajectory of Washington, however, is for higher deficits as Republicans focus on tax cuts, a huge hike in the defence budget, and a growing disaster aid tally that is about to hit $45 billion.“The train’s left the station, and if you’re a budget hawk, you were left at the station,” said Rep. Mark Sanford, R-S.C.___This story has been corrected to change the amount in the first paragraph to $4.1 trillion, not billion.last_img read more

Playtex plastic plates bowls pose choking hazard for children recall announced

first_imgTORONTO – Playtex-branded plastic plates and bowls for children are being recalled after the distributor received four reports of choking in Canada.No serious injury has been reported but Health Canada and Edgewell Personal Care Canada say consumers should stop using the products and return them for a refund.They say the choking risk comes from a clear plastic coating that can peel or bubble from the surface of the plates or bowls.The products feature brightly coloured designs and are sold separately or in sets with plastic cups and cutlery.Further information is available through Health Canada at http://bit.ly/2yIDZeHThe products had been on the market in Canada since January 2010, with about 1.9 million units sold here and 3.6 million units distributed in the United States.No incidents or injuries in the United States have been reportedlast_img read more

7 Years in Tibet director caught in tax haven accusations

first_imgPARIS – French filmmaker Jean-Jacques Annaud, the maker of Mirage fighter jets and oil giant Total SA are among high-profile French names defending themselves after leaked documents showed they used tax havens.As part of the “Paradise Papers” global investigative reporting, French media reported Wednesday that Annaud used accounts in the Cayman Islands and Hong Kong. Annaud’s directing credits include “The Name of the Rose” and “Seven Years in Tibet.”Annaud’s lawyer, Eric Delloye, told Radio France that the filmmaker informed French tax authorities last month about his offshore holdings as a result of the investigation.Dassault Aviation, maker of Mirage and Rafale fighter jets, acknowledged financial activities in the Isle of Man but insisted that it’s not evading taxes. Energy company Total SA denied hiding money from tax authorities.last_img read more