House in Salto de Pirapora / Vereda Arquitetos

first_imgArchDaily “COPY” Area:  220 m² Year Completion year of this architecture project Houses 2019 ShareFacebookTwitterPinterestWhatsappMailOr Clipboard House in Salto de Pirapora / Vereda ArquitetosSave this projectSaveHouse in Salto de Pirapora / Vereda Arquitetos “COPY” Brazil Projects Architects: Vereda Arquitetos Area Area of this architecture project CopyAbout this officeVereda ArquitetosOfficeFollowProductConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesResidential ArchitectureConcrete BlocksOn InstagramBrazilPublished on April 29, 2020Cite: “House in Salto de Pirapora / Vereda Arquitetos” [Casa em Salto de Pirapora / Vereda Arquitetos] 29 Apr 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogBathroom AccessorieshansgroheBath & Shower ThermostatsGlass3MGlass Finish – FASARA™ NaturalPartitionsSkyfoldVertically Folding Operable Walls – Mirage®WindowsVitrocsaSliding Window – Mosquito NetSinksBradley Corporation USASinks – Verge LVG-SeriesMetal PanelsTrimoQbiss One in Equinix Data CentreSignage / Display SystemsGoppionDisplay Case – Q-ClassMetal PanelsLongboard®Aluminum Battens – Link & Lock – 4″Sports ApplicationsPunto DesignPunto Fit in Ekaterinburg Public SpaceWoodBlumer LehmannFree Form Structures for Wood ProjectsKnobsKarcher DesignDoor Knob K390 (50)TablesVitsœ621 Side TableMore products »Save想阅读文章的中文版本吗?巴西住宅,8米高差的三个体块组合 / Vereda Arquitetos是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream Year:  Photographs Save this picture!© André Scarpa+ 32Curated by Matheus Pereira Share Design Team:Bruno MansoContractor:Gladson de Campos – Campos ConstruçõesLandscape:Vereda ArquitetosStructural Engineering:Maurício Oliva de Farias – STEC EngenhariaMEP:JPD Instalações Elétricas e HidráulicasProduction:Paulo KinnaCity:Salto de PiraporaCountry:BrazilMore SpecsLess SpecsSave this picture!© André ScarpaRecommended ProductsFiber Cements / CementsRieder GroupFacade Panels – concrete skinCompositesFastmount®How to Attach Heavy Panels with Hidden FixingsWindowsOTTOSTUMM | MOGSWindow Systems – BronzoFinestra B40DoorsECLISSESliding Pocket Door – ECLISSE LuceText description provided by the architects. House in Salto de Pirapora Salto de Pirapora is a satellite city 25km from Sorocaba and the house is located on the road that connects these two cities. The 1000m2 plot has an eitght meters slope and looks out over a small ecological reserve bordering a stream.Save this picture!© André ScarpaSave this picture!Upper floor planSave this picture!© André ScarpaThe project is composed of three partially buried masonry volumes with varying levels according to the topography. These three volumes house the kitchen and laundry room in the first, the bedrooms in the second and the master bedroom’ bathroom in the third. The arrangement of these volumes on the site conforms the main space of the house, the void of the living and dining rooms. This space allows full fluidity uphill without sectioning the site between front and back. A concrete grandstand establishes this relationship between the free areas of the plot and the various levels of the project, and enables multiple uses that make the most of these views towards the reserve.Save this picture!© André ScarpaSave this picture!Transversal sectionSave this picture!© André ScarpaA concrete slab supported by four columns covers this set and produces different ambiences from the ceiling heights of each use. This slab was made from precast panel forms poured in place and its regular shape – a 14.00 X 10.40 m rectangle – does not match the perimeters of the other blocks generating open covered areas, balconies and internal gardens. The master bedroom is then conformed above the other two bedrooms as a mezzanine to the living room and can be enclosed by a sliding curtain. The slabs of the three masonry volumes are roof gardens that are at times inside others times outside of the enclosed perimeters of the house. This enclosure is made of light glass panels free from frames. The main roof is also a roof garden completely free from infrastructures such as water tanks and solar panels, which are then located at the rear of the plot taking advantage of its sloped section. The owners are a couple of university professors and a newborn baby girl.Save this picture!© André ScarpaProject gallerySee allShow lessCAFUBE Funeral Home / LOKOMOTIV.archs officeSelected ProjectsTwo Houses in One / unparelld’arquitectesSelected Projects Share Lead Architect: Manufacturers: Deca, José Carlos Pereira de Moraes, Pial João Paulo Meirelles de Faria ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Photographs:  André Scarpa Manufacturers Brands with products used in this architecture project CopyHouses•Salto de Pirapora, Brazil House in Salto de Pirapora / Vereda Arquitetoslast_img read more

Global actions demand freedom for Ahmad Sa’adat

first_imgDemonstration to free Ahmad Sa’adat in Istanbul.Events held across the world on Jan.12-14 demanded freedom for Ahmad Sa’adat, the general secretary of the Popular Front for the Liberation of Palestine, and for all Palestinian prisoners. Sa’adat has been imprisoned by Israel since 2006.“Sa’adat is not only a leader of the Palestinian left but a respected leader of the entire Palestinian national movement,” Khaled Barakat, international coordinator of the Campaign to Free Ahmad Sa’adat, told Workers World about the days of action. “In fact, he became a leader in prison over his many arrests through the years.”Prior to his seizure in 2006 by Israeli forces during a raid on the Palestinian Authority’s Jericho prison, Sa’adat had been imprisoned by the PA since 2002 over the assassination of the Israeli tourism minister, Rehavam Ze’evi.The many parties to Sa’adat’s capture “demonstrate the array of forces acting against the Palestinian people: the Zionist state, the U.S., U.K., and other imperial and colonial powers … were involved in his arrest and abduction from Jericho, and the PA’s policy of ‘security coordination’ at the behest of Israel,” Barakat said.New YorkMembers of the PFLP’s armed Abu Ali Mustafa Brigades shot Ze’evi, who advocated the complete ethnic cleansing of Palestinians from the West Bank and Gaza Strip, in 2001. The action was in retaliation for Israel’s assassination of Abu Ali Mustafa, Sa’adat’s predecessor as general secretary, in an airstrike on his Ramallah office weeks earlier.Ze’evi’s shooting inside the Hyatt Regency in East Jerusalem made him the highest ranking Israeli official ever killed by the Palestinian resistance.The AAMB said at the time: “The response decided upon was difficult and full of danger, but the fighters had a strong will in their hearts and a dedication and willingness to sacrifice for Abu Ali Mustafa and the Palestinian revolution.” ( 2008, an Israeli military court sentenced Sa’adat to 30 years in prison for leading an “illegal terrorist organization,” the PFLP.Like every other Palestinian political faction, from Fatah to Hamas, the PFLP is banned under Israeli military regulations.Events for Sa’adat began in New York City on Jan. 12 with simultaneous meetings by NYC Students for Justice in Palestine and Workers World Party’s center.At the center, John Fletcher, organizer for Samidoun: Palestinian Prisoner Solidarity Network, called Sa’adat “a veteran of the resistance movement who comes from one of the most important generations of Palestinian resistance.” ­( actions continued with a protest by Samidoun outside the Best Buy store in Manhattan’s Union Square, opposing Hewlett Packard’s services to the Israeli prison system. Other events took place in Albuquerque, N.M.; Hilton Head, S.C.; and across at least eight European countries.Palestinians ended the mobilization in Gaza on Dec. 16 with a mass demonstration by PFLP members and other ­supporters.“The imprisonment of Palestinians works hand in hand with racist targeting in the United States, not only of Palestinian, Arab and Muslim communities, but also of the Black liberation movement and other liberation struggles within the U.S.,” coordinator Barakat said of the events’ significance on the eve of the Trump administration. “Every struggle within the U.S. to fight racism, oppression and imperialism benefits the Palestinian people’s liberation struggle.”For more information on Sa’adat and Palestinian prisoners, visit the websites of the Campaign to Free Ahmad Sa’adat and Samidoun:, is a member of Al-Awda New York: The Palestine Right to Return Coalition and an organizer with Samidoun: Palestinian Prisoner Solidarity Network.FacebookTwitterWhatsAppEmailPrintMoreShare thisFacebookTwitterWhatsAppEmailPrintMoreShare thislast_img read more

Voting for Mr. and Ms. TCU opens today

first_imgWomen and gender studies event gets students talking Paschal’s Future Business Leaders of America Club ready for Nationals Linkedin + posts Sara Colbert Previous articleTennis player Cameron Norrie is going pro after this semesterNext articleTCU’s Intro to Personal Finance class grows Sara Colbert RELATED ARTICLESMORE FROM AUTHOR Sara Colbert printLast year’s 10 Mr. & Mrs. TCU finalists.There’s another election this spring.The ballot for next semester’s Mr. and Ms. TCU top ten finalists is open today and winners will be announced Friday.Registered student organizations, such as sororities and fraternities, may nominate one Mr. and one Ms. as a candidate.Students nominated were told on March 24 that they were chosen to run. Ten students will be picked as finalists.Once nominated, students fill out an online application in order to be an official candidate. This application opened on March 1 and closed on April 11.The candidates have submitted an essay and application and have had head shots taken so far. Candidates are now waiting to hear the details about the next steps.The finalist then goes through an interview process in the fall.One of the nominations from the sorority Zeta Tau Alpha says she feels honored to be nominated to run for Ms. TCU.“I think Mr. and Ms. TCU is such a great opportunity to bring together our whole campus and it is a phenomenal way to recognize leaders and special people throughout the entire school,” junior Janie Fuller said.She said the process so far has been pleasant but it will probably get more stressful when interviews start.Nominees must be going into their senior year at TCU. Most candidates have contributed to campus life and the TCU committee positively. Candidates have said that it is an honor to even be considered.“No matter what happens, it is just an absolute honor to even be recognized and nominated,” Fuller said. “People are my passion, and I really enjoy any and every opportunity to get to connect with anyone on TCU’s campus.”Mr. and Ms. TCU winners will be announced at the Homecoming game on Oct. 21, 2017. Last year’s 10 Mr. & Mrs. TCU finalists. Students react to the nutty squirrels on campus Paschal High School traded trash for cash to raise money for the band Linkedin Twittercenter_img Twitter Sara Colbert Facebook ReddIt Sara Colbert Facebook Sara Colbert ReddIt TCU places second in the National Student Advertising Competition, the highest in school history World Oceans Day shines spotlight on marine plastic pollution Welcome TCU Class of 2025last_img read more

RWB condemns new cases of censorship and self-censorship

first_img China: Political commentator sentenced to eight months in prison ChinaAsia – Pacific News Follow the news on China RSF_en As the Occupy Central movement continues its pro-democracy demonstrations, local and foreign media whose coverage angers the government are suffering consequences. Democracies need “reciprocity mechanism” to combat propaganda by authoritarian regimes China’s Cyber ​​Censorship Figures October 16, 2014 – Updated on January 20, 2016 RWB condemns new cases of censorship and self-censorship News Hong Kong newspaper Apple Daily is paying a high price for supporting Occupy Central. Members of a counter-movement have been surrounding the headquarters of the newspaper, which announced its pro-Occupy Central position on 11 October. For three days, the paper’s activities have been disrupted, with delivery trucks prevented from entering. As a result, distributors have not been fully supplied. Delivery of the International New York Times, carried by the same trucks, was also affected. During the third day of the anti-newspaper action, the demonstrators – most of them women wearing face masks – defied a High Court order of 14 October that they lift the siege. But police did not proceed to arrest them, effectively allowing the delivery truck blockade to continue. On 15 October, the BBC website suffered blocking as well. It was taken down for several hours after it ran a video showing Hong Kong police beating pro-democracy protester Ken Tsang Kin-Chiu. March 12, 2021 Find out morecenter_img to go further April 27, 2021 Find out more Help by sharing this information June 2, 2021 Find out more On Hong Kong television station TVB, management partially censored the same video by cutting narration explaining that police were assaulting the demonstrator. Twenty-seven TVB journalists signed an open letter condemning the self-censorship. Reporters Without Borders supports this initiative. The organization expresses its outrage at repeated blocking of news on critically important events occurring in Hong Kong. “It is unacceptable that the court decision was not followed by action on the part of police on the scene,” said Benjamin Ismaïl, head of the organization’s Asia-Pacific desk. “This infringement of press freedom is all the more serious because the online site was rendered inaccessible on Tuesday afternoon. Censorship and pressure orchestrated by the Beijing government must also stop. We call on media not to give in to the pressure to self-censor. Those that yield to the pressure damage their own credibility and call into question their reason for existence.” On 10 October, RWB condemned the Beijing government’s expanding control of the Special Administrative Region that includes Hong Kong. The organization called on the Hong Kong government’s chief executive to guarantee freedom of the press and freedom of expression. The previous week, RWB expressed concern at the Beijing government’s power to alter news coverage, including by the foreign press.Hong Kong ranks 61st of 180 countries in the 2014 Reporters Without Borders press freedom index. ChinaAsia – Pacific Organisation Receive email alerts News Newslast_img read more

27th Annual Elves’ Faire Made a Big Splash

first_img Community News Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena Herbeauty5 Things To Avoid If You Want To Have Whiter TeethHerbeautyHerbeautyHerbeauty10 Questions To Start Conversation Way Better Than ‘How U Doing?’HerbeautyHerbeautyHerbeautyInstall These Measures To Keep Your Household Safe From Covid19HerbeautyHerbeautyHerbeautyWeird Types Of Massage Not Everyone Dares To TryHerbeautyHerbeautyHerbeautyWhat’s Your Zodiac Flower Sign?HerbeautyHerbeautyHerbeauty10 Instagram Girls Women Obsess OverHerbeautyHerbeauty Top of the News Make a comment Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Name (required)  Mail (required) (not be published)  Website  13 recommended0 commentsShareShareTweetSharePin it Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimescenter_img Subscribe Your email address will not be published. Required fields are marked * Business News OLD-top box left 27th Annual Elves’ Faire Made a Big Splash By JEFFREY POEHLMANN Published on Monday, December 10, 2012 | 4:59 pm More Cool Stuff On Saturday, November 17th, Pasadena Waldorf School (PWS) welcomed approximately 3,600 visitors from all over the greater Los Angeles area to enjoy the festivities of the annual Elves’ Faire. Although the outdoor event kicked off with a morning rain shower, the activities went on as planned.As a school fundraiser, several areas of the event broke records in spite of the inclement weather and lower attendance. The Holiday Boutique Silent Auction was a resounding success, bringing in its largest contribution to date. The school’s gift shop, the Wishing Well, also achieved its highest sales figures with many families enjoying the opportunity for holiday shopping.Funds generated by the Elves’ Faire activities are used for campus improvements, upgrades to the historic Scripps Hall and to maintain the natural outdoor learning environment of the lower-school campus. The Faire also is an opportunity to give back to the community. In addition to providing a safe, fun and unique holiday entertainment experience, a few lucky winners walked home with wonderful prizes from the school. The prizes included a seven-night stay in Cancun with airfare for two, two nights in Villa Ojai, dinner at the Water Grill and a night at the Millennium Biltmore.The Elves’ Faire strives to maintain Pasadena Waldorf’s eco-friendly mission and was very successful this year in diverting 89.3% of all waste away from landfills. This was due to the efforts of many parent volunteers assisting with the sorting of compostable and recyclable materials. The vast majority of consumables at the Faire (including paper cups and lids) are made from compostable materials, accounting for almost 87% of the overall waste. Overall, the school recovered 1,551.2 pounds for composting out of a total 1,783.2 pounds of waste.Pasadena Waldorf School, founded in 1979, is one of over 1,000 Waldorf schools worldwide with over 90 years of experience offering inspired education. Pasadena Waldorf High School, which opened this year, joins 40 other Waldorf high schools now operating in North America. Waldorf education is the fastest growing independent school movement in the world. First Heatwave Expected Next Week EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS Community Newslast_img read more

FHFA Announces Strategic Plan for GSE Conservatorship, Regulation of FHL Banks

first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Subscribe The Week Ahead: Nearing the Forbearance Exit 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Government, News Conservatorship Federal Home Loan Banks Federal Housing Finance Agency FHFA 2014-11-24 Brian Honea Tagged with: Conservatorship Federal Home Loan Banks Federal Housing Finance Agency FHFA Previous: Fannie Mae to Sell Foreclosed Vacant Properties to Detroit Land Bank Next: Foreclosure Campaign Gets Underway in Wayne County, Michigan FHFA Announces Strategic Plan for GSE Conservatorship, Regulation of FHL Banks The Federal Housing Finance Agency (FHFA) has announced its strategic plan for the fiscal years 2015 through 2019, reflecting the FHFA’s priorities as a regulator and conservator of government-sponsored enterprises Fannie Mae and Freddie Mac as well as regulator of the 12 Federal Home Loan (FHL) Banks.FHFA put together the report, entitled FHFA Strategic Plan: Fiscal Years 2015-2019, based on input on the draft agency strategic plan the FHFA received on request from members of Congress, the public, and stakeholders in accordance with the Government Performance and Results Modernization Act of 2010. The strategic plan outlines three goals for the FHFA for the forthcoming fiscal years: ensure safe and sound regulated entities; ensure liquidity, stability, and access in housing finance; and manage the enterprises’ ongoing conservatorship.The strategic plan reflects priorities outlined for the GSEs in the 2014 Strategic Plan for the Conservatorships of Fannie Mae and Freddie Mac, released by the FHFA in May 2014.Last week, FHFA issued its Performance and Accountability Report, which gave a detailed report of the agencies activities as conservator of the GSEs and regulator for the FHL Banks during fiscal year 2014. The agency received an unmodified, or “clean” audit opinion from the U.S. Government Accountability Office for its financial activities during fiscal year 2014. 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. Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days agocenter_img The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Sign up for DS News Daily Home / Daily Dose / FHFA Announces Strategic Plan for GSE Conservatorship, Regulation of FHL Banks  Print This Post Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago November 24, 2014 933 Views About Author: Brian Honealast_img read more

Effective Foreclosure Prevention in a Crisis

first_img Previous: CFPB Details the Debt Struggle Next: Share of Mortgages in Forbearance Drops NO MORATORIUM, TWO-YEAR BACKLOGOne example of this is Ohio, where the state legislature considered but never enacted a statewide foreclosure moratorium. After hitting an initial peak in 2010, completed foreclosures in Ohio declined 13% in 2011, much less than the 67% drop in New Jersey. Completed foreclosures in Ohio rebounded higher for the next two years—a relatively brief uptick compared to the six-year upward trend in New Jersey—before embarking on a six-year downward trend from 2014 through 2019. During the thick of the housing crisis, Ohio registered a much higher foreclosure rate than did New Jersey.Completed foreclosures in Ohio between 2008 and 2014 represented 4.5% of the state’s housing units, similar to the 4.4% foreclosure rate nationwide, while completed foreclosures in New Jersey during the same timeframe accounted for just 1.3% of all housing units. But in the last five years, while Ohio and most other states were experiencing a strong housing recovery, New Jersey continued to work through a backlog of delayed foreclosures. Completed foreclosures in New Jersey between 2015 and 2019 represented 2.7% of the state’s housing units, compared to a 1.9% rate in Ohio and a 1.3% rate nationwide during the same period. NO FLOOD OF DAMMED-UP DISTRESSThe Black Knight analysis also found that only 1% of loans that became seriously delinquent in the wake of Hurricane Harvey had gone to foreclosure sale by February 2020. Similarly, data from the platform shows a relatively mild uptick in foreclosure auctions after the moratoriums were lifted. Completed foreclosure auctions rose above pre-hurricane levels starting nine months after the hurricane, in May 2018, but fell back below pre-hurricane levels starting in December 2018, 15 months after the hurricane.The combination of a relatively brief foreclosure moratorium paired with robust forbearance and loan modification helped Houston prevent crisis-induced foreclosures while also avoiding a massive flood of dammed-up distress crashing into the housing market down the road. This approach also helped home values in Houston stay afloat: home price appreciation in the metro area slowed to 1% in September 2018, in the midst of the post-moratorium foreclosure uptick, but never went negative, according to an analysis of public record data from ATTOM Data Solutions. Since that low point in September, home price appreciation in Houston has averaged a healthy 4% each month. in Daily Dose, Featured, Foreclosure, News, Print Features  Print This Post This story originally appeared in the July edition of DS News.Proactive and relatively short-term mortgage forbearance paired with pragmatic loss mitigation solutions has proven to be the most effective combination for preventing unnecessary foreclosures following a market crisis—without perpetuating the pain of that crisis. And while foreclosure moratoriums can bring short-term relief to a market in crisis, they are ineffective and even potentially harmful when used as a long-term foreclosure prevention treatment.These are lessons that jump out when reviewing foreclosure and home price data in the aftermath of the Great Recession of 2008 as well as more recent, regional market trauma caused by natural disasters. Share Save About Author: Daren Blomquist Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Subscribe LEGACY DISTRESS STILL LINGERINGAnd New Jersey is far from done working through the long tail of legacy distress from the last recession, even as another recession hits. Fifty-seven percent of all completed foreclosure auctions in New Jersey in 2019 were tied to properties purchased during the housing bubble of 2003 to 2008 according to the ATTOM data. Nationwide, the percentage of completed foreclosure auctions tied to bubble-era purchases first fell below 57% in 2015 and dropped to a new low of 39% in 2019. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Daren Blomquist is VP of Market Economics at In this role, Blomquist analyzes and forecasts complex macro- and microeconomic data trends within the marketplace and greater industry to provide value to both buyers and sellers using the platform.Blomquist’s reports and analysis have been cited by thousands of media outlets nationwide—including all the major news networks and leading publications such as the Wall Street Journal, the New York Times, and USA TODAY. Blomquist has been quoted in hundreds of national and local publications and has appeared on many national network broadcasts, including CBS, ABC, CNN, CNBC, FOX Business, and Bloomberg. SLUGGISH HOME PRICE RECOVERYNew Jersey’s low-grade foreclosure fever over the past five years has contributed to a slower rebound in home values when compared to Ohio and the nation as a whole. An analysis of median home price data from ATTOM shows that while New Jersey home prices have increased 40% since bottoming out in February 2012, they are still 7% below the pre-recession peak in July 2007. By comparison, Ohio home prices have jumped 110% from the bottom and are 25% above their pre-recession peak. Nationwide, median home prices are up 82% from the bottom and are 17% above their pre-recession peak. Lingering legacy foreclosures contribute to slower home price growth in at least two ways: the market uncertainty associated with a shadow inventory of unresolved distress; and the drag on surrounding home values that comes with an elevated share of distressed sales.The more sluggish housing recovery in New Jersey also meant that housing markets there were more susceptible to subsequent, more localized market shocks: Hurricane Sandy in 2012 and Atlantic City casino closings from 2014 to 2016. By contrast, housing markets in Florida and Texas were more prepared to absorb the shock of the hurricanes that hit those states in the summer of 2017. Before the hurricanes hit, median prices in Florida had rebounded 99% from the bottom and were just 9% below the pre-recession peak while median prices in Texas had rebounded 75% from the bottom and were 45% above the pre-recession peak (home prices were not hit as hard in Texas during the Great Recession). Servicers Navigate the Post-Pandemic World 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago Effective Foreclosure Prevention in a Crisis July 13, 2020 1,645 Views 2020-07-13 Mike Albanese Data Provider Black Knight to Acquire Top of Mind 2 days ago THE COVID-19 RESPONSEThe COVID-19-triggered crisis is neither a natural disaster nor a repeat of the Great Recession, but lessons from the 2008 and 2017 crises can still be applied, including the lesson of how to achieve effective foreclosure prevention without inflicting long-term harm to the housing market. The COVID-19-related forbearance policies put in place thus far by the Federal Housing Finance Administration (FHFA), which oversees Fannie Mae and Freddie Mac, as well as FHA, have laid a solid foundation for effective foreclosure prevention in the aftermath of this crisis.These forbearance programs were introduced quickly and pro-actively by the CARES Act, signed into law exactly two weeks after the national emergency declaration relating to the COVID-19 crisis. Since then, both FHA and FHFA have introduced sensible plans that allow many borrowers to exit forbearance without experiencing an immediate deferred payment shock. Furthermore, these forbearance-exit plans will prevent borrowers from experiencing negative credit ramifications when they refinance their loan or buy another home. With these robust forbearance programs in place, the foreclosure moratorium that now extends through August 31, 2020, can safely be lifted, preventing a large backlog of deferred distress from building up even while the forbearance programs provide ample foreclosure protection for homeowners impacted by the COVID-19 crisis.The longer that deferred distress backlog builds, the more uncertainty it creates for the mortgage and housing markets, resulting in tighter lending and weaker demand. Furthermore, the bigger the backlog, the bigger the shock to the housing market when it is eventually lifted. ONE-YEAR MORATORIUM, SIX-YEAR BACKLOGNew Jersey serves as a cautionary tale for overreliance on the moratorium as a foreclosure prevention tool. In response to the robo-signing accusations that came to light in late 2010—involving questionable foreclosure documentation practices—the New Jersey State Supreme Court imposed a statewide foreclosure moratorium that extended for nearly a year. Although individual servicers instituted voluntary moratoriums in the wake of the robo-signing accusations, New Jersey’s blanket statewide moratorium was one of the most extensive and lengthy to be implemented at the state level. In the short term, the New Jersey moratorium had its intended impact in the form of a dramatic drop in completed foreclosure auctions, which decreased 67% in 2011 compared to 2010, according to an analysis of public record data from ATTOM Data Solutions. But not long after that moratorium was lifted, completed foreclosure auctions in New Jersey began to rise, increasing 43% in 2012.And that increase was not just a one-year catch-up. Completed foreclosures in New Jersey increased for the next five years, returning to the pre-moratorium level of more than 9,500 in 2014 and eventually hitting a peak of more than 23,000 in 2017—up an eye-popping 652% from 2011. That trend stands in stark contrast to what was going on nationwide, where completed foreclosures peaked in 2010 before beginning a steady downward trend that continued through 2019. No national foreclosure moratorium was implemented during this time. Much of the national decline following 2010 was driven by states such as California and Arizona, which were less impacted by the robo-signing issue and did not implement a statewide foreclosure moratorium.These states also employed the more streamlined, non-judicial foreclosure process. But even in other judicial foreclosure states that were more impacted by robo-signing, the pattern of prolonged foreclosure pain was not as extreme as it was in New Jersey. The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily Home / Daily Dose / Effective Foreclosure Prevention in a Crisis FINALLY, FORBEARANCEThe bigger home equity cushion in both Texas and Florida certainly helped to soften the foreclosure impact caused by the 2017 hurricanes, but policymakers and servicers also implemented a highly effective foreclosure prevention strategy that combined an instantly activated, but relatively short-term, foreclosure moratorium with pro-active forbearance that transitioned into sustainable loan modification for distressed homeowners. In Houston, for example, Fannie Mae, Freddie Mac and the Federal Housing Administration (FHA) all enacted 90-day foreclosure moratoriums for areas impacted by Hurricane Harvey just days after the hurricane hit the city in late August 2017.Fannie and Freddie ended that moratorium after the initial 90 days while FHA extended its moratorium another 90 days, through the end of February 2018. Pro-active forbearance was offered to impacted homeowners concurrent to those foreclosure moratoriums. Fannie Mae, for example, authorized servicers to “grant an initial forbearance plan of up to six months with the possibility of extension to any borrower who they suspect has been impacted by a natural disaster.” In the Fannie Mae example, servicers were encouraged to identify the best loan modification option for distressed borrowers to help them transition out of forbearance and not fall behind on mortgage payments. In an analysis published in September 2019, two years after Hurricane Harvey, Fannie Mae found that 55% of loans in hurricane-impacted areas that became delinquent after the hurricane were modified. The Fannie Mae analysis also found that just 4.6% of loans in impacted areas thatinitially became delinquent after the hurricane were still delinquent two years later. In other words, about 95% were current or prepaid. A similar analysis by Black Knight found that just 5% of loans that became seriously delinquent following Hurricane Harvey were still seriously delinquent in February 2020.last_img read more

Lucky Hare tasting room to open in Press Bay Alley

first_imgITHACA, N.Y. – Press Bay Alley and Press Bay Court have been getting a lot of buzz lately, with businesses including a barber shop, hair salon, halal market and dress shop opening their doors. Soon, Lucky Hare Brewing Co. will join the party with a micro tasting room in the 118 W. Green St. building.Lucky Hare began making beer in 2016 and has a bustling taproom at its Hector location on the shore of Seneca Lake. Ian Conboy, co-owner and head brewer, said Ithaca was a natural choice for a second retail location.“Ithaca has been super supportive of Lucky Hare,” he said, “so we figured we’d bring it to them instead of folks having to drive out to Hector.”There is no firm opening date for the downtown spot yet, because permits are pending with the State Liquor Authority, but Conboy said he hopes the taps will be running by early May. A social media post last week showed a team moving equipment into the suite to the right of Sweet Melissa’s Ice Cream. The tasting room will have four taps, with two featuring Lucky Hare mainstays like the Falcon Punch IPA or London Gentleman ESB, and two reserved for rotating seasonal brews or brewery collaborations. Canned and bottled beer will be available, too.Lucky Hare is in the process of moving into its Press Bay Alley space. (Provided photo)Conboy said to look out for creative projects with Press Bay neighbors: beer ice cream with Sweet Melissa’s, beer brewed with coffee from Press Cafe, or beer flights with donut pairings from One Ring Donuts.“You’re exhausted from circus school, riding on a unicycle, come over and buy some ice cream and a beer … Press Bay overall is going to be the spot everyone wants to go to,” he said.Related: Green Street gets a green building with Press Bay CourtThe taproom, like all the micro-retail spaces in Press Bay Alley and next door Press Bay Court, is small. There will be standing indoor counter space and outdoor tables, with the possibility of a few indoor seats pending ADA compliance.While the weather is nice, Conboy said he envisions the plaza being a family friendly space to hang out. He’s looking into hosting live music and welcomes folks to bring food from other nearby businesses to enjoy with a beer at the bistro tables.“We want to help pull in business for all the shops, in one big community collaboration,” he said.Featured image courtesy of Lucky Hare Facebook. center_img Devon Magliozzi Tagged: business, Lucky Hare, press bay court, Tasting room Your Economy & Development news is made possible with support from: Devon Magliozzi is a reporter for the Ithaca Voice. Questions? Story tips? Contact her at [email protected] or 607-391-0328. More by Devon Magliozzilast_img read more

Plans to allow sub-letting would be “catastrophic”

first_imgHome » News » Plans to allow sub-letting would be “catastrophic” previous nextRegulation & LawPlans to allow sub-letting would be “catastrophic”Landlord Action claims that allowing sub-letting would be “catastrophic for the rental market”, while Scottish Land & Estates wants retaliatory evictions banned in Scotland.PROPERTYdrum25th March 20150605 Views Concerns are growing over “catastrophic”plans to permit private tenants to sub-let their tenancies in England, while a Scottish housing organisation is calling on the Scottish Government to introduce a new law banning retaliatory evictions in the private rental housing sector north of the border.Following the Chancellor’s Budget last week, tenant eviction firm, Landlord Action, has expressed grave concern over Government plans to allow private tenants to sub-let their tenancies by preventing landlords from using clauses in residential tenancy agreements that expressly rule out sub-letting.“This appears to have slipped in under the radar which, if it goes ahead, will throw up a multitude of problems in the buy-to-let industry,” said Paul Shamplina (left), Founder of Landlord Action.“We have seen so many sub-letting cases going to court because of unscrupulous tenants trying to cream a profit from a property they have rented,” he added.Landlord Action, which is currently exposing the level of the sub-letting problem in a Channel 5 documentary due to air in a few months, reports that it continues to experience problems with tenants taking out tenancy agreements and then, in some instances, not even moving into the property themselves, but putting up partitions and sub-letting to as many people as possible.Shamplina continued, “They draw up separate agreements and trick sub-tenants into thinking they are the landlord. By the time landlords find out, damage to properties from over-crowding can run into thousands, and the tenant who holds the legitimate tenancy agreement is no-where to be found.“The detail is yet to be revealed but, in my opinion, there should have been a period of consultation with the industry before this was announced.”Shamplina believes that “the risk of nightmare sub-tenants” and subsequently “less control over their own property” could potentially lead to a mass exodus of landlords from the private rented sector.Meanwhile, a new English law banning retaliatory evictions in the private rental housing sector could now potentially pave the way for similar targeted legislation in Scotland, a rural membership organisation has said.Scottish Land & Estates, which represents rural businesses across the country – including landlords supplying rural homes – has said that retaliatory evictions by a few irresponsible landlords had damaged the reputation of the sector, and that there was a need for a similar approach from Scottish politicians to ensure tenants are not evicted for registering genuine complaints about housing conditions.Katy Dickson (right), Policy Officer (Business and Property) at Scottish Land & Estates, said, “Both the English and Scottish private housing sectors are facing issues with high demand, low supply and problems enforcing current legislation. This has resulted in irresponsible landlords acting as they please and bringing down the reputation of the whole sector.“Organisations such as Shelter maintain there is an issue with people not feeling able to report required repairs due to the fear of eviction. We have seen little evidence of this but accept that it could be the case in a small minority of cases.“We have listened carefully to this viewpoint but it could be addressed without sacrificing the current good work and provision of housing – or damaging the prospects of attracting much needed new investment to the sector. The mechanism to end a tenancy after the initial period would remain but would not stand if it was used as a result of the tenant notifying the landlord of repairs and this report was not appropriately dealt with.“It is not too late for the Scottish Government to understand that in trying to secure people’s homes by removing the so called ‘no fault ground’ they will create the unintended consequence of losing – and certainly not growing – the number of those homes available to rent. Whilst we are generally considered to be in the midst of a housing crisis, driving private landlords out of the sector will only exacerbate the situation further thus reducing much needed housing supply.”Landlord Action retaliatory evictions Scottish Land & Estates sub-letting March 25, 2015The NegotiatorWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles 40% of tenants planning a move now that Covid has eased says Nationwide3rd May 2021 Letting agent fined £11,500 over unlicensed rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021last_img read more

St. Vincent Evansville Birth Announcements

first_img Rubi Zavala Montiel and Miguel Tinoco Gonzalez, Evansville, son, Elias Miguel, June 10Brooke and Daniel Arnett, Evansville, daughter, Adaline Sheri, June 7Heather and Corey Hendon, Evansville, son, Brooks Hudson, June 7Lori and Trevor Lockhart, Bridgeport, IL, daughter, Marabelle Ann, June 10Alecia and Jessy Sanders, Mount Carmel, IL, daughter, Rozaleigha Opal, June 10Makensie and Branden Slagle, Newburgh, son, Paul Hunter, June 10Elizabeth Davis and Jairus Rogers, Carmi, IL, son, Harper Joseph, June 11Melissa McKinney and Jacob Cuellar, Evansville, daughter, Taylee Bernice, June 12Mekena Finnerty and Robert Knotts, Evansville, son, Zaxton Colt, June 12Ashley and Benjamin Wright, Newburgh, daughter, Emma Lucille, June 12FacebookTwitterCopy LinkEmailSharelast_img read more