Freddie Mac: Housing Market Weak But Stabilizing

first_imgHome / Daily Dose / Freddie Mac: Housing Market Weak But Stabilizing Servicers Navigate the Post-Pandemic World 2 days ago Previous: FHFA Approves Merger Application for Federal Home Loan Banks of Des Moines, Seattle Next: Mortgage Default Risk Index Hits Highest Level in Two Years Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago About Author: Scott Morgan Scott Morgan is a multi-award-winning journalist and editor based out of Texas. During his 11 years as a newspaper journalist, he wrote more than 4,000 published pieces. He’s been recognized for his work since 2001, and his creative writing continues to win acclaim from readers and fellow writers alike. He is also a creative writing teacher and the author of several books, from short fiction to written works about writing. Subscribe Freddie Mac’s latest Multi-Indicator Market Index (MiMi) report finds the U.S.  housing market weak but stabilizing at year’s end. The index, released Tuesday, shows that 70 markets are inching upwards, including San Jose and Pittsburgh, which have finally joined the forward momentum.The national MiMi value stands at 74.5, which is up 0.12 percent from September to October and up 0.42 percent over the past three months. Year-over-year, the national housing market has improved 4.48 percent.While still well short of the all-time MiMi high of 122.5, reached in June 2006, the national index is markedly better than it was in September 2011, when the housing market was at 60.3.”When we look at the stability of the housing market we’ve seen a modest 0.5 percent improvement since the beginning of the year in the national index,” said Frank Nothaft, Freddie Mac’s chief economist. “Housing markets continue to heal across the country with those hardest hit showing the biggest improvement.”The most improved metro areas month-over-month were Kansas City, Memphis, and Atlanta, each up more than 3 percent. Charlotte and Denver—which also improved more than 12 percent year-over-year—were close behind. Year-over-year, Las Vegas improved by nearly 24 percent, while Chicago, Miami, and Riverside, California, each improved more than 12 percent.Statewise, Colorado, Kentucky, Idaho, Maryland, and North Carolina led month-to-month improvement, each growing by a least 1 percent. Year-over-year Nevada grew 18.95 percent), while Illinois, Florida, Rhode Island, and Colorado each grew by around 10 percent.According to the index, 13 states, plus the District of Columbia, have MiMi values in a stable range (above 80). North Dakota (95.9) the District of Columbia (94.1), Montana (91.2), Wyoming (91.0), and Hawaii (89.2) made up the top five. Eight of the 50 metro areas Freddie tracks, all west of the Mississipi, have MiMi values in a stable range: San Antonio (89.9), Austin (87.0), Houston (85.3), Los Angeles (84.4), and Salt Lake City (83.1) made up the top five.According to Nothaft, the news is encouraging, but hardly a cause for champagne just yet.”Low mortgage rates have helped, but we also need better household income growth,” he said. “The employment picture needs to improve more to strengthen wage growth. The good news is we’re slowly starting to see this happen in areas like Denver, San Jose, Nashville, and Pittsburgh.”Freddie also is seeing better purchase application activity on a monthly basis in these areas, he said. December 24, 2014 1,085 Views  Print This Post Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, Market Studies, News Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago Share Save Freddie Mac: Housing Market Weak But Stabilizing The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Freddie Mac Housing Market Multi-Indicator Market Index Freddie Mac Housing Market Multi-Indicator Market Index 2014-12-24 Scott Morganlast_img read more

Mikel Arteta fears Shkodran Mustafi will miss FA Cup final with injury

first_imgAdvertisement Comment Mikel Arteta fears Shkodran Mustafi will miss FA Cup final with injury Advertisement Arteta doubts Mustafi will return in time (Picture: Getty)‘The rest is true that Musti is injured and we need to assess a little bit how long he is out,’ said Arteta.AdvertisementAdvertisement“I doubt it [he’ll be fit for the final]. I don’t know. We have to see how he evolves in the next few days. At the moment, I doubt it.’Arsenal’s defeat to Aston Villa means the highest they can finish is eighth this term.The FA Cup final affords the Gunners the opportunity to finish the season on a high note but Arteta says the season has been in no way good enough.‘We haven’t been consistent,’ said Arteta.‘Because we obviously had a lot of issues as well in the background, a lot of things that had happened. ‘But at the end of the day, we weren’t good enough to be with the top teams’.MORE: Mikel Arteta sends class message to Unai Emery after former Arsenal boss is appointed new Villarreal manager Metro Sport ReporterThursday 23 Jul 2020 1:35 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link2.3kShares Shkodran Mustafi looks set to miss the FA Cup final (Picture: Getty)Arsenal boss Mikel Arteta is downbeat about Shkodran Mustafi’s chances of proving his fitness before the Gunners’ FA Cup final clash against Chelsea.The German limped out of his side’s 2-0 semi-final win against Manchester City last Saturday with a hamstring strain.Arsenal are still awaiting the full results of Mustafi’s scan but the early signs are not good ahead of their clash against Watford on the final day of the season.Arteta has stuck with a 3-4-3 system in recent matches but he may have to switch that against Chelsea as the Spaniard admits Mustafi is now a major doubt.ADVERTISEMENTlast_img read more

Citizen Historians Invited to Document This Moment in Time

first_imgShe also noted the new vocabulary circulating during the pandemic: “social distancing,” “self-quarantine,” “work from home,” and “shelter in place.” For both kids and adults, submitting drawings, journal entries and photographs is encouraged. The children’s form asks for their thoughts on schools being closed, advice for others on protecting themselves from germs and invites kids to draw a picture of the virus. Jan Connolly, a writer and market consultant, contributed to the Monmouth County Historical Association’s Remembering COVID-19 project March 17. MCHA is still seeking “citizen historians” to fill out an online questionnaire about their experiences during the pandemic. Whether we are ill ourselves, know someone who is or are simply mapping a new geography marked by empty streets, closed businesses, churches and schools, the Monmouth County Historical Association wants to know what you’re experiencing. The collection will eventually be available to the public in a digital database as part of the oral history archive that Howell and associate curator Joe Zemla are working on. She also chronicled some of the behavior changes she had observed among locals. “The child’s form is a way to get kids involved in this in a positive way,” Walton said. “It’s empowering them to keep informed.” Children who want to participate are required to have their parent’s permission via a form that parents can fill out online. Fortunately, for Connolly, she was hired by a major hospital chain a few days after submitting her responses. “As soon as this happened and it became clear that life was going to be different, that this was a historic moment, we talked about how we could collect these stories,” said Meg Walton, executive director of MCHA. By Eileen Moon “The response has been pretty good so far,” Walton said. “The responses range from, ‘I’m very lonely’ to ‘I had to close my business and now my life savings is tanking.’ Those were just in the first 24 hours,” Walton said. This article originally appeared in the April 2nd, 2020 print edition of The Two River Times. To participate in the project, access the questionnaires online at Issuing a call for “citizen historians,” Walton and her staff developed a questionnaire for adults and another for children asking about their experiences during the pandemic. The form is posted on the association’s website. center_img Jan Connolly of Neptune City, who was working as a freelance writer and marketing consultant while hunting for a new full-time position, filled out the questionnaire March 17. COURTESY JAN CONNOLLY There were empty shelves at the Freehold Target store a few weeks ago, after shoppers stocked up on supplies in response to the COVID-19 pandemic. “It’s very scary having no money coming in and watching your life savings disappear as the stock market craters,” she wrote. She also submitted a photo of empty shelves at a Target store in Freehold and wrote about her worries over finding a new job before her unemployment insurance expired and losing her life savings in the stock market slump. The MCHA is working to compile a historical record assembled in real time, from Monmouth County residents who are living through this time of worry and isolation, each in their own way. “Our goal was to begin first-person documentation as soon as possible to record the initial reactions early on,” said MCHA research librarian Dana Howell. “It will be interesting to look back on even six months from now to see if we were at all accurate.” The oral history project aims to broaden the historical association’s reach through recording the stories of minority residents of the county including African Americans and members of the LGBTQ community. Although the MCHA is closed as a result of the pandemic, the Remembering COVID-19 project is accessible on its website, where the work of history is continuing. “We don’t have a very large archival collection from 9/11, so it was really important that we do this immediately, rather than miss that opportunity, when things are fresh,” Walton said. “In the early days of the crisis, there were jokes and cavalier shrugs of indifference,” she wrote. “That was soon replaced by ‘pack mentality’ with frenzied runs on supermarkets and hoarding of disinfectants, paper products and food.” “This is the time we really collect these stories; contemporaneous collections,” Walton said. “We decided to reach out to everyone in Monmouth County and invite them to participate.” The survey asks respondents a series of questions that include how they felt when the first coronavirus case was identified in the U.S., what personal impacts they have experienced due to the pandemic and what words of wisdom they might share with someone going through a comparable crisis. Responses began coming in almost as soon as the call was posted. As we move from day to day through the long shadows cast by COVID-19, there’s no question that we are living history. last_img read more

Sterling replaces Bony? Yaya back? Manchester City XI v Dynamo Kiev predicted

first_img 10. Sergio Aguero (striker) 15. Jesus Navas (right wing) Manchester City host Dynamo Kiev in the second-leg of their Champions League last 16 clash on Tuesday night, kick off 19:45 GMT.The Citizens sealed a 3-1 victory in the first-leg, but despite scoring three away goals, their inconsistency suggests that a shock result cannot yet be ruled out. Could Wilfriend Bony drop to the bench after an ineffective display in the goalless Premier League draw to Norwich City at the weekend? Will Yaya Toure return to the starting line up having missed out on the trip with a heel injury?Take a look at talkSPORT’s predicted Ctiy line up v Kiev by clicking the arrow above. 11 4. Vincent Kompany (centre back) 11 7. Raheem Sterling (left wing) 11 11 11 11 5. Pablo Zabaleta (right back) 11 21. David Silva (attacking midfield) 11. Aleksandar Kolarov (left back) 30. Nicolas Otamendi (centre back) 11 11 11 25. Fernandinho (centre midfield) 1. Joe Hart (goalkeeper) – see the full line up, in squad number order, by clicking the arrow above 11 42. Yaya Toure (centre midfield)last_img read more

Courts to protect South Africa’s water

first_imgThe Department of Water Affairs will belaunching courts that will address watercrimes that threaten the security of supplyto lawful water users(Image: Graeme Williams, Formore free photos, visit the image library)MEDIA CONTACTS• Sputnik RatauDepartment of Water Affairs+27 12 336 8733Nosimilo RamelaSouth African Water Affairs Minister Buyelwa Sonjica announced on 11 August 2010 that environmental courts will be set up to address crimes that threaten the quality and supply of water.Sonjica, speaking at the Agri SA water conference in Johannesburg, said her department was concerned about the impact of deteriorating water quality in South Africa, as it’s among the most water-scarce countries in the world.She said the new courts would help deal with all water-related crimes, but that role-players in the agricultural industry should also come up with ways to protect the country’s water supplies. She named agricultural practices, mining and urban development as the main contributors to water pollution.“It’s a serious matter for us and you will soon be invited to the launch of the first courts because we want to strengthen our regulatory bodies in this regard. I understand that water pollution is one of the areas of great concern for the agricultural sector today,” she said at the conference.The Department of Water Affairs (DWA) will be working closely with the South African Police Service and the directorate of public prosecutions to address water crimes that threaten the security of supply to lawful water users, the minister said.She added that unauthorised or illegal water abstraction was also a problem, and the department was strengthening its enforcement capacity to deal with such offenders.She said 14 water-management inspectors had been recruited and trained, and that the capacity of the compliance, monitoring and enforcement directorate had grown significantly.“We will intensify this aspect of our work to ensure that we bring all offenders to book.”Incentive schemesTurning to the issue of municipal waste-water, Sonjica spoke about the Green Drop Certification Programme, which encourages municipalities to comply with drinking-water and waste-water legislation put forward by the DWA.Being awarded Green Drop status implies excellent waste-water management and a respect for the environment and the health of the community.“Currently we have more than 50 qualified assessors conducting consultative audits on the management of the waste-water treatment works to guide local authorities in the direction of excellence,” the minister said.According to the Green Drop Report (PDF, 1.22 MB), released in 2009, 203 of the 449 waste-water systems assessed scored better than 50% when measured against the set criteria for quality and management, while about 7.4% of all waste-water systems were classified as excellently managed.Sonjica said the department was well on its way in meeting the 2010 target of assessing all the municipal waste-water treatment works in the country.She added that the design competency of some of the waste-water systems was stretched to capacity due to population and economic growth, which compromised the quality and management of the waste-water systems.“Shortcomings in the local government funding model as well as the skills deficit in the labour market exacerbate the problem even further.”In closing, Sonjica urged the farmers attending the conference to work with the department to fight illegal water abstraction.“Without effective regulation, your water may dry up or the quality may deteriorate significantly,” she said.last_img read more

Hxhome Women’s Ladies Curly Full Wigs For Cosplay and Daily Use – Perfect for fancy dress!

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The hair size is nice much too, coming down below the shoulders. And the thickness of the hair is superior also. Its flals properly, and moves nicely, when you go your head. For the rate, its a first rate cosplay wig :).Rapidly supply and seriously superior worth for money.Even although it didt fit my halloween costume, the wig is quite terrific. The curls were being extremely smooth and organic.Outstanding top quality & excellent color.My young children couldn’t recognise me.last_img read more

Double duty for water polo stars: Canete, Anota fielded in open water swim

first_imgGilas Pilipinas motivated amid pressure to deliver SEA Games gold LATEST STORIES Trending Articles PLAY LIST 00:50Trending Articles01:35Panelo suggests discounted SEA Games tickets for students00:59Sports venues to be ready in time for SEA Games01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games Catriona Gray spends Thanksgiving by preparing meals for people with illnesses Photo from Kuala Lumpur SEA Games Website.KUALA LUMPUR—The country’s bets in the men’s open water swimming happen to be water polo players, too.Teodoro Roy Canete and Mico Anota will comprise the men’s team to the 10-kilometer competition to be held Friday morning at Water Sports Complex in Presint 6, Putrajaya.ADVERTISEMENT SEA Games in Calabarzon safe, secure – Solcom chief WATCH: Streetboys show off slick dance moves in Vhong Navarro’s wedding Man sworn in as lawyer by judge who sentenced him to prison as a teen 20 years ago Read Next Swimming in Philippine women’s side in the competition to be held in the famed river are Melissa Gray Courtney and Erica Kristy Lukang.Canete and Anota are top scorers for the water polo team which will have a break from competition.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutout Brace for potentially devastating typhoon approaching PH – NDRRMC LOOK: Venues for 2019 SEA Games Don’t miss out on the latest news and information. Flags of SEA Games countries raised at Athletes Village MOST READ UPLB exempted from SEA Games class suspension View commentslast_img read more

CWG scam: PMO examining Shunglu reports on Games venues, organisation

first_imgTwo reports of the high-level Shunglu Committee on alleged irregularities in Commonwealth Games projects and conduct of the mega sporting event are being examined by the Prime Minister’s Office for appropriate follow up action.Officials said that the two reports received by the PMO on March 28 and 29 respectively are “under examination”.So far, the Shunglu Committee has submitted six reports on CWG to the Government.The 361-page report on Games venues has found a loss of over Rs 1,600 crore in construction and renovation of venues for the Games by different government agencies.It has blamed senior officials of civic and construction government agencies like Central Public Works Department (CPWD), Delhi Development Authority (DDA), Public Works Department (PWD), New Delhi Municipal Council (NDMC) and RITES among others for inordinate delays, inflated prices and rigged tender process.The Committee found Rs 800 crore as cost of delay in completing construction of all the games and training venues across the national capital and said that financial oversight by different agencies resulted in undue gain of over Rs 250 crore to contractors.It said that there was an estimated Rs 574 crore of “wasteful expenditure” on certain types of assets. “It appears as if to economise was criminal and to splurge was civil,” the Committee had said in its report.In its 103 pages sixth report on “organisation and conduct of CWG 2010”, the Committee found managerial lapses and blamed sacked Chairman of Organising Committee Suresh Kalmadi, lodged in Tihar jail in connection with alleged CWG graft, for setting up a “sham” committee with much lesser accountability and transparency.advertisementPrime Minister Manmohan Singh had on October 25 last year appointed the high level committee under the chairmanship of former Comptroller and Auditor General V K Shunglu to investigate and report all irregularities in executing various projects by several government agencies during the Games held here between October 3-14 last year.The Committee has submitted a total of six reports to the PMO. The first findings on Host Broadcasting was given to the PMO on January 29, second on Commonwealth Games Village (March 7), third on city infrastructure was submitted on March 18 and fifth on Organising Committee was given on March 28, pointing out alleged wrong doings.- With PTI inputslast_img read more


first_imgShe’s sitting on the plane…it’s just five hours until the first manager’s meeting of the 2004 National Touch League begins. It’s just five hours until team registration sheets, selection availability sheets and statutory declaration forms begin to pile up on the desk in front of her. It’s just five hours until the questions begin, the excuses for missing forms begin, the unsigned sheets and the general chaos hits home….no need to continue. The thought is just way too daunting. It’s just five hours until…wait, what’s the air hostess doing to her? Man, it’s hot tea, spilled all down the front of her nice clean skirt. And so it begins… It’s the 2004 NTL’s and National Director of Selectors Cathy Gray is looking forward to 10 days of full time selection for National teams and squads. There’s selection for the Youth World Cup 20 years squads, the Australian Talent Identification Program (TIP), National Training Squads (NTS) and Australian Seniors teams. Everyone sees and knows the final outcome of the work that Cathy and her team of 22 other selectors and TI panel here, will do throughout the tournament. What no one really understands is exactly what these incredibly dedicated people will do to reach that final outcome. The selectors, along with tournament officials, will be the first at the fields every day. They will also be the last to leave. And when they get home, they might cook themselves some dinner and sit down with a cup of coffee or a glass of wine, but their folders will come back out and they’ll get back to work. Over the next 10 days these selectors will together watch around 500 games of touch, see around 1600 different players, fill out around 1000 assessment forms, lose around 100 pens, drink at least 2000 cups of coffee, get itchy legs from sitting on the grass, get sunburnt or drenched by rain (possibly both) and just sick of answering the same questions again and again and again. But they love it. And they wouldn’t be here if they didn’t. Just like players wouldn’t play, coaches wouldn’t coach and referees wouldn’t ref. Cathy Gray has been selecting for touch football since 1991, around 13 years now. She describes her journey to the position of National Director as sort of accidental. “I just sort of fell into selecting, they needed someone one day and I was there”, she says. “I ended up on the NSW selection panel, was invited to apply for the ATA selection panel, applied for the position of National Director and then I ended up here.” “The team of selectors we have are very positive and we have great working relationships with each other and the national coaches. There is a lot of trust on both sides.” It’s important for everyone to realise that for these selectors, this isn’t their only job. “We all have other jobs too, just like the players and coaches. Between touch selection and my teaching job I haven’t had a day at home in six weeks”, says Cathy. “The day after NTL’s finish I will be on a 6:30am flight home, I’ll be back just in time to teach my classes at Cheltenham Girls High school.” Despite the crazily hectic lifestyle that being a selector seems to throw at these guys, Cathy admits to absolutely loving what they get to do. “We love to do this, there’s a lot of great personalities in our group and in touch football in general and we enjoy each other’s company”, says Cathy. “To be honest, we just absolutely enjoy it. It’s a lot of work, but very rewarding. Seeing the way the Australian teams performed and what they achieved at the last World Cup makes all the hard work worthwhile. It was just such an honour to be there and be a part of everything.” So when you’re thinking about your NTL players this week or wondering how they’re doing, send up a quick prayer for our selectors who are working away behind the scenes. They deserve it. Rachel Moylelast_img read more

2019 NRL Touch Premiership Draw

first_imgThe 2019 NRL Touch Premiership draw had to be revised slightly (Brisbane Broncos homegames were changed to suit Suncorp Stadium requirements). This is the up-to-date draw.To buy tickets to these NRL Touch Premiership men’s and women’s matches and their subsequent NRL fixtures, go to tickets.nrl.com26 gamedays16 teams8 clubs12 stadiums9 cities5 months2 nationsStarting 6th April 2019!last_img