Rebuilding and Repaying After Storms

first_imgHome / Daily Dose / Rebuilding and Repaying After Storms Tagged with: Conventional Loans Delinquency FHA Foreclosure HOUSING hurricane florence MBA mortgage VA Sign up for DS News Daily in Daily Dose, Featured, Foreclosure, News Subscribe Conventional Loans Delinquency FHA Foreclosure HOUSING hurricane florence MBA mortgage VA 2018-11-09 Seth Welborn Data Provider Black Knight to Acquire Top of Mind 2 days ago  Print This Post Rebuilding and Repaying After Storms Previous: AHP Servicing Unveils New $50 Million Regulation A Offering Next: MCT Moves to Secure Sensitive Borrower Data About Author: Seth Welborn 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. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days agocenter_img The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Share Save Related Articles November 9, 2018 1,130 Views Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Recent natural disasters have pushed mortgage delinquencies up slightly, according to the Mortgage Bankers Association’s (MBA) National Delinquency Survey. The report states that the delinquency rate rose to a seasonally adjusted rate of 4.47 percent of all loans outstanding at the end of Q3 2018.“Despite the small uptick this quarter, the healthy economy is overall supporting low mortgage delinquencies and foreclosure inventories,” said Marina Walsh, VP of Industry Analysis at MBA. “Unemployment is at its lowest level since 1969, wages have grown 3.1 percent year-over-year—the biggest jump in almost a decade—and job growth is averaging over 212,000 jobs per month thus far.”Though delinquencies were up 11 basis point over the previous quarter, MBA notes that the rate is down 41 basis points year-over-year. The national uptick may be due in part to the significant increases in delinquency in states that were impacted by Hurricane Florence and Tropical Storm Gordon, such as North Carolina, South Carolina, Mississippi, Arkansas, and Alabama.These states all saw increases in non-seasonally-adjusted mortgage delinquency rates over the previous quarter by 50 basis points or more, with North Carolina increasing by 80 basis points.Walsh notes that Hurricane Michael made landfall after the survey reporting period, and its impact will not be reflected until at least the fourth quarter survey. Additionally, she notes it may take several more quarters for the impact of the more recent storms to fully dissipate.“The impact of the August and September 2017 hurricanes on several states, particularly Texas and Florida, continues to retreat,” said Walsh. “Primarily because of the declining effects of last fall’s hurricane-related spike, the overall mortgage delinquency rate in the third quarter was down 41 basis points on a year-over-year basis.”Across all loan types, delinquencies have dropped year-over-year, with conventional loans dropped by 41 basis points and FHA and VA delinquency rates dropped 44 basis points and 8 basis points, respectively.More information can be found here. Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

8 healthy salad toppings you’ve never tried.

first_img Share Share Sharing is caring! Food & DiningLifestyle 8 healthy salad toppings you’ve never tried. by: – June 20, 2011 Sharecenter_img 37 Views   no discussions Tweet By Mara BetschA heavy hand with the salad dressing ladle or one too many trips to the crouton bowl can turn a healthy salad into a diet disaster. You already know that the trick to a light salad is loading up on fresh, vitamin-rich veggies and lean protein while limiting cheeses, nuts, and full-fat dressing. But let’s be honest: That can get boring.Swap your ho-hum grilled-chicken salad for something more tempting. Garnish your greens with these healthy (and often ignored) toppings.FennelThis often overlooked veggie (sometimes referred to in supermarkets as anise) is related to dill, coriander, and parsley. It adds vitamin C, fiber, and folate to your salad, plus a cool, subtle licorice flavor. It also blends well with citrus fruits and tomatoes.SalsaAdd an extra serving of fruits or veggies—and tons of flavor—by spooning up to a half cup of savory tomato salsa over a bed of mixed greens. With around 200 mg per serving, it’s lower in sodium than other dressings, and most jarred varieties don’t contain added fat.Whole grainsWhole-wheat couscous, barley, or quinoa are high-fiber toppings that also add some protein to your salad. Toss them over greens with a sprinkle of lemon or lime juice; it’s a great way to use up that leftover side dish from last night’s dinner.ArtichokesThese low-cal and low-carb veggies make a filling addition to salads—and they placed fourth in a 2006 study ranking the top 50 antioxidant-rich foods. Just be wary of jarred artichokes, which are often marinated in oil.BeansWhen it comes to beans, you get a lot of nutritional bang for your buck. One half cup will cost you between 100 and 150 calories but will bring in 6 to 7 grams of fiber and protein. And not only will beans fill you up, but their mild taste will also complement almost any type of salad.EdamameThese legumes (baby soybeans sold in the pod) pack as much protein as most animal products, without the unwanted saturated fat. They’re filling and refreshing, and studies indicate that when soy consumption goes up, weight goes down. Buy edamame frozen to save on costs and keep it from going bad too quickly.SeedsIf you love the savory taste of nuts, seeds are a great alternative. Though both nuts and seeds contain a similar amount of fat and calories, you get more seeds in a two-tablespoon serving—and that means more satisfying crunch in every bite. Plus they have higher levels of zinc, and pumpkin seeds contain more than 4 grams of iron per serving.Citrus fruitOranges and grapefruit make tangy salad toppings. Not only do they bring a burst of citrusy flavor, but they are also low calorie and packed with vitamin C. Or opt for kiwi: Though not technically a citrus fruit, this little powerhouse has more vitamin C than an equivalent amount of an orange, and research suggests that its antioxidant capacity helps protect DNA from damaging free radicals.DressingsSick of oil and vinegar? Though the traditional combo is full of good fat and free from preservatives, there’s no reason you can’t branch out and still stay healthy. Yogurt and honey, for example, add flavor and texture to homemade dressings without unwanted chemicals. And the antioxidants in honey can protect the quality of salad dressing for up to nine months, according to a 2008 study.by Health.comlast_img read more

Imee: Fight vs COVID-19needs P750-b “all heart, all out” emergency budget

first_imgThe daily income of wage earners andmonthly salaries of the middle-class have been disrupted by the lockdown, withthe possibility of lay-offs looming large in the export, travel and tourismsectors most affected by the global health crisis. MANILA – Sen. Imee Marcos said thegovernment should go “all heart, all out”  in funding the fight againstCOVID-19, calling an emergency budget to be taken up in a special session ofCongress on Monday the most crucial investment in our country’s future. Marcos added that the government cantake advantage of the recent upgrades in its investment ratings and theprevailing low interest rates of close to 0 percent to borrow funds of up toP440 billion, an amount still within a manageable debt cap of 5.4 percent fromthe present 3.2 percent. The lockdown may also be replicated inother parts of the country, if the spread of COVID-19 worsens, Marcos alsosaid./PN Possible sources of the first P300billion of the Pag-ASA emergency package can be squeezed from funds left overfrom the 2019 budget; calamity funds in the 2020 budget; intelligence andsocial funds of the Office of the President; PhilHealth’s emergency reservefund; and contingency funds from the departments of education, agriculture,labor and employment, social welfare and development, and public works andhighways, Marcos said. Marcos added that the Department ofHealth has not yet been able to predict when cases of COVID-19 infection willpeak, so the government must provide a budget responsive to health and foodsecurity in case the ongoing lockdown is extended beyond April 12. Marcos will pitch the Pag-ASA emergencypackage in a Senate bill on Monday, fearing public panic may ensue in comingmonths if the government’s proposed emergency budget of only P200 billion isapproved.center_img “Ilokanaman ako, hindi ito ang tamang panahon para mag-kuripot ang gobyerno. Itodo naang tulong kung talagang tutulong para sa proteksyon ng mga mga healthworkers, pagkain sa mahihirap at sustento sa mga nawalan ng trabaho,”Marcos said.  Marcos, who chairs the Senate committeeon economic affairs, has drawn up an emergency package of almost 750 billionpesos called “Pag-ASA: Alaga, Sustento at Pag-Angat,” which seeks immediate andsustained protection of health workers, provision of food and cash aid for marginalizedcommunities, and stimulus packages to badly hit industries employing millionsof workers. The senator warned that local governmentunits (LGUs) are likely to run out of funds in the next two weeks but addedthat they should be able to download funds directly from the nationalgovernment, in accordance with Section 87 of the General Appropriations Act. A lockdown to stem the spread ofCOVID-19 has slowed down Metro Manila’s food supply from agricultural producersall over Luzon, with checkpoints set up to support the social-distancingmeasures imposed by the government. Senator Imee Marcos last_img read more