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Small Town Mortgage Delinquencies are Growing

first_img  Print This Post Subscribe Share Save Related Articles The Best Markets For Residential Property Investors 2 days ago Delinquency Foreclosure 2020-03-02 Seth Welborn Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Foreclosure, Loss Mitigation, News About Author: Seth Welborn Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago March 2, 2020 2,379 Views Demand Propels Home Prices Upward 2 days agocenter_img While the overall national delinquency rate has been shrinking, small and local economies are being left behind, according to a study from MoneyGeek. Many of these cities, MoneyGeek notes, were at or near national delinquency levels in previous years, and have recently increased.“As any real estate agent, mortgage broker or housing economist will tell you, there’s no such thing as a national real estate market,” MoneyGeek says. “Housing economies are intensely local, which explains why some metro areas have outsized numbers of struggling homeowners despite a nationwide economic boom.”At the top of the ranking is East Stroudsburg, Pennsylvania, with a 90-day mortgage delinquency rate of 2.30%, well above the national rate of 0.84%, despite higher-than-average employment rates and wages in surrounding Monroe County. The average household income of $64,170 in Monroe County is higher than the national average, and the poverty rate of 12.3% is below the national average.“Pennsylvania has 3 MSAs (East Stroudsburg, PA is #1) on our top delinquency list and the #1 entry on our list of MSAs with increasing delinquency rates (Chambersburg-Waynesboro, PA),” MoneyGeek’s Head of Marketing, Doug Milnes, told DS News.Milnes also notes that as Pennsylvania is a swing state in the upcoming election, it is interesting to see how several metros in this state are being left behind. East Stroudsburg, for example, has experienced economic recovery, just not as quickly as some other areas of the country. Meanwhile home values in Monroe County remain below their 2007 peak of $314,580.With the election on its way, Milnes notes that another high delinquency metro, Elkhart-Goshen, Indiana, has been a stopping point for recent Presidents, including Donald Trump and Barack Obama. Elkhart’s LT Delinquency rate has increased by 86% on a year on year basis to just over twice the national average at 1.4%.MoneyGeek also identified the metros where delinquencies are rising. These included Chambersburg-Waynesboro, Pennsylvania and Kingston, New York. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: Delinquency Foreclosure Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Small Town Mortgage Delinquencies are Growing 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. Demand Propels Home Prices Upward 2 days ago Home / Daily Dose / Small Town Mortgage Delinquencies are Growing Sign up for DS News Daily Previous: CFPB Supreme Court Case Looming Next: Industry Reacts to Fed’s Coronavirus Responselast_img read more

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Launch set to give HR careers a boost

first_img Previous Article Next Article Related posts:No related photos. Launch set to give HR careers a boostOn 24 Oct 2000 in Personnel Today HR professionals can browse for their next position on-line with the launch of www.hrstaff.com, a site targeted at the HR sector and due to go live this week. The site is the brainchild of Anne-Marie Leggatt, who has worked in recruitment for 13 years at consultancies including Oldham & Tomkins (now Capita Tomkins) and Elan Computing (now Manpower). She came up with the idea while working as business development manager at Arinet, a subsidiary of Amdahl Resources, and involved in the launch and marketing of a web site for financial professionals.The site stemmed from a glaring need to find new ways of attracting HR staff, explains Leggatt. She found that her own recruitment contacts were constantly being asked to assist in searching for HR professionals.”We found there were very few avenues to attract these professionals and amazingly the Internet had not been explored. Generalist web sites were not generating the quality or quantity of response although the concept was recognised as sound.”The site – which took Applied Consultancy Solutions four months to construct and is backed by a “select group of private investors – is aimed at all levels of the profession and Leggatt believes its success will lie in its targeted HR approach.”I don’t believe generalist sites have thought through what they are trying to do. When an individual is looking for a career move they want to reach the most relevant positions quickly and efficiently,” she says.”The larger generalist sites typically quote page impressions, visitors and stickiness – all valuable data – but if I want to know how many human resources professionals visit the site they are a little vague. I am not saying we will not have some wastage, but I can’t see the point in visiting our site if you are not interested in the HR profession.”Because we are all from a recruitment or HR background we understand the difficulties of recruiting and the service levels required and expected by professional people. Response from those in the industry who have seen the site is good. “We recognise the need in the market for a specialist human resources site – I think www.hrstaff.co.uk may well hit the mark,” says Mike Dodd, managing director of Academy HR Services Group. His views are echoed by Bernadette Moriarty, HR adviser at Canon Systems Management Europe: “It is easy to navigate, the layout is good. I think the site could become very hot for the HR profession…”The second phase of funding for the site will need considerably more investment, says Leggatt, but she hopes the success of the site will be visible that potential investors will see a tangible service to invest in. Comments are closed. last_img read more

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Mountain Mama: Ultra Light Green

first_img“Walk anything you don’t like,” he said.“This is as good as it gets. We know the river well, and are willing to go your pace. Besides, you warmed up on the upper,” he said.The flow was even lower than normal summer flow and for years I yearned to see if the Green Narrows lived up to its reputation. Over the years, other paddlers told me that if I loved living in Western North Carolina now, just wait until I got on the Green. “It gets so much better,” they said.I followed them past the take-out for the Upper, feeling wobbly and terrified.We eddied out above Bride of Frankenstein and they told me the line. When I got to the bottom, I was wide-eyed and gripped.Rocks stood like sentries, guarding the river below. I strained to see a break between them, large enough to squeeze my kayak between. I reminded myself that I had to have faith – in my paddling skills, in my friends, in my ability to react in the moment.I felt like my stomach twisted into a pretzel every time I scouted a rapid. Cloaked in the shadows of the canopy, the dark lent even more mystery to the river.From there until after Rapid Transit, paddling turned into a day hike with my kayak. I carried, dragged and pushed my kayak around huge rhododendron bushes and through poison ivy.I met my friends above Sunshine and paddled from river left to river right where we all walked.At the bottom, he reminded me. “Look back up, that’s a big part of why we’re here.”A boulder glowed as the sun hit it at almost a right angle. Glimmers of green skipped across the river, making it appear alive. Light filled every crevice of the river, turning the water a transparent shade of green.We stood there, shoulder-to-shoulder in admiration.“Wow,” I said, as soon as the word tumbled out I wished I had a better word to express the beauty of being there, in this place sacred for so many paddlers with good friends.They nodded.I relaxed, realizing there’s wonder in the obvious. I wasn’t the first paddler to see this view. Heck, I wasn’t even paddling most of the river. But through a series of conditions it all lined up that I got to be there, that for that moment I witnessed the sunshine lighting up the river and limitations lifted.I lingered on the rock a little longer, letting all that brightness seep in, opening myself of to dreams and remembering possibility.last_img read more

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Cash-strapped PLN issues Rp 1.88t in bonds to fund operations

first_imgThe conventional bonds’ interest rates are all higher than the benchmark 10-year government bond rate of 6.9 percent, except for the Series A with a five-year tenure (6.7 percent), although lower than the PLN bond issuance in February with coupon rates of between 7.2 and 9.05 percent.PLN’s bond issuance expands the company’s breathing space as it disburses billions of dollars in COVID-19 relief schemes on top of billions more for government-led infrastructure projects, including the program to build 35 gigawatts (GW) worth of new power plants.“The [bonds] funds will be used to expand the 35GW program and for general corporate purposes,” PLN spokeswoman Arsyadani Akmalaputri told The Jakarta Post in a short text message on Wednesday.PLN, Indonesia’s largest electricity company, has frequently issued global and domestic bonds over the past two years to patch financial problems arising from the company’s expansion projects, while keeping electricity retail prices at a minimum. Read also: Govt to spend $1 billion on electricity fee reliefThe company’s bonds, both the conventional and sukuk, were given a AAA rating – the highest rung – by the Indonesian credit rating agency (Pefindo) due to the company’s strong government ties, market monopoly and “financial flexibility”.The company legally monopolizes the distribution of electricity, whose demand is expected to grow in the medium term, between two to three years, despite the sharp decrease due to the large-scale social restrictions (PSBB) to contain the COVID-19 outbreak.However, Pefindo also alluded to PLN’s cash flow, which is facing a major financial strain from the infrastructure projects and relief programs, part of the company’s Public Service Obligations (PSO).“The rating could be lowered if Pefindo views a material reduction in government support,” wrote the agency.Recently, the government ordered state-owned electricity company PLN to lower the electricity rates for all homes and certain businesses to boost people’s purchasing power.Under the order, PLN will cut its electricity rate, which is expressed in rupiah per kilowatt hour (Rp/KwH), by 1.5 percent. The price is down to Rp 1,444.7 per KwH between October and December this year, from the previous Rp 1,467 per KwH.Read also: PLN to temporarily cut electricity rates for low-power homes, businessesCreaking under the weight of the COVID-19 relief schemes, PLN’s net profit nosedived 96.5 percent year-on-year (yoy) to Rp 251.6 billion in the first half, mainly caused by foreign exchange losses amid a weak rupiah exchange rate.Topics : State-owned electricity giant PLN officially listed Rp 1.88 trillion (US$126.9 million) worth of bonds at the Indonesia Stock Exchange (IDX) on Wednesday, as it seeks to fund its operation and expansion amid the pressure of COVID-19 relief schemes on its finances.In a letter sent to the bourse on Tuesday, PLN revealed that the bonds comprise 10 series, half of which are conventional bonds totaling Rp 1.5 trillion and the other five of which are sukuk (sharia-compliant bonds) amounting to Rp 376.5 billion.The bonds have varied maturity periods of five years to 20 years, according to the company’s data. For the conventional bonds, the yields range from 6.7 percent for the 5-year tenure to 8.86 percent for 20-year bonds.last_img read more

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Oliseh: Ndidi good enough for big clubs

first_imgRelatedPosts Super Eagles stars model new national team jersey EPL: Foxes attack Burnley EPL: Vardy primed for another prolific season after brace at West Brom Former Nigeria boss Sunday Oliseh is surprised Wilfred Ndidi is not playing at a higher level than Leicester City. Ndidi has been a key component in Brendan Rodgers’ midfield with the Foxes currently sitting third in the Premier League. The Nigeria international has had his injury problems of late, but in his 21 league appearances, few have been more consistent in the City side. According to WhoScored, only Ricardo Pereira has performed at a higher level across the season. Though a former manager of Ndidi’s, Oliseh can’t believe the holding midfielder is still at the King Power Stadium. Speaking to Brila.Net, the former Nigeria boss said: “The point is that in the past three or four years, maybe five, he’s been the best midfielder we have, and he’s not just been the best we needed to run with, he’s been the best we have. “When you see him doing what he’s doing in a club that is average, with all due respect, like Leicester, imagine what Ndidi will do if he was playing at Manchester City. “He is a man that isn’t the tallest like me, but look at the heart. He has a big heart.” Ndidi is under contract at the King Power Stadium until 2024 having penned an extension last year.Tags: Brendan RodgersLeicester CityRicardo PereiraSunday OlisehWilfred Ndidilast_img read more

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