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Orange County receives federal funding to measure outdoor air quality

first_img LEAVE A REPLY Cancel reply From the Orange County NewsroomOrange County’s Environmental Protection Division was recently awarded a federal grant to add an outdoor air quality monitoring station in order to measure air quality impacts from vehicle traffic. Due to population growth, the United States Environmental Protection Agency (EPA) is funding a fourth air quality monitoring station to be installed near an Orange County roadway to monitor peak nitrogen dioxide levels.  Nitrogen dioxide (NO2) is a typical pollutant emitted from gas-powered vehicles.For this project, Orange County has already received $50,000 in federal grant funding from the EPA.  An additional $150,000 from the grant will cover the purchase of monitoring equipment and installation of a small protective building on the site. The grant does not require the County to use any matching funds.  The EPA and Orange County Environmental Protection Division’s goal is to have a new monitoring site location selected by mid-2020, and for it to become operational in 2021.Air pollutants come from many sources such as vehicle exhaust, dust, and emissions from commercial activities.  Scientists and engineers at Orange County’s Environmental Protection Division routinely work with the USEPA and the Florida Department of Environmental Protection in efforts to continuously monitor air quality, enforce ordinances and implement programs designed to protect the health of County residents.Air quality in Orange County typically falls within the Air Quality Index “good” range.  To check the current Air Quality Index, visit the Air Now website at www.airnow.gov.  You can also subscribe to Enviroflash.Info to have daily air quality forecasts sent to you via email and/or text message.  For more information, visit Orange County’s Air Quality Management webpage at http://www.ocfl.net/Environment/AirQualityManagement.aspx or contact [email protected] or 407-836-1400.About Orange County Government: Orange County Government strives to serve its citizens and guests with integrity, honesty, fairness, and professionalism.  Located in Central Florida, Orange County includes 13 municipalities and is home to world-famous theme parks, the nation’s second-largest convention center, and a thriving life science research park.  Seven elected members make up the Board of County Commissioners including the Mayor who is elected countywide.  For more information, visit www.ocfl.net or visit Orange County’s social media pages. Share on Facebook Tweet on Twitter The Anatomy of Fear Please enter your name here TAGSAir QualityOrange County Previous articleWinn-Dixie unveils newly remodeled Apopka storeNext articleWhy has Halloween become so popular among adults? Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your comment! Support conservation and fish with NEW Florida specialty license plate You have entered an incorrect email address! Please enter your email address here Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Save my name, email, and website in this browser for the next time I comment.last_img read more

The Golden Box / K2Ld Architects

first_imgCopyHouses•Singapore ArchDaily Houses “COPY” Projects Singapore Photographs:  Patrick Bingham HallText description provided by the architects. The intention of the house’s design is to define and blur the visual threshold between the public and private areas of the house. The transparency of the house decreases in ascending order as per their functional requirements. Their surfaces clearly express their openness of the daily living habits and rituals. Save this picture!© Patrick Bingham HallRecommended ProductsEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsMetallicsTECU®Copper Surface – Classic CoatedMetallicsSculptformClick-on Battens in Ivanhoe ApartmentsEnclosures / Double Skin FacadesAlucoilStructural Honeycomb Panels – LarcoreThe boundary walls mediate between the inside and outside. Behind the glass wall is a row of bamboo for screening. It is the foreground for the floating golden mesh and serves as a backdrop for the glass box on the ground level.The middle box is the main feature of the house, screened in varying porosity of golden mesh. This golden mesh acts as a light veil over the private glassed areas of the second story. During the night, the screen dissolves and unveils the events within the house when the house is lit. The attic is conceived as being an opaque box clad in aluminum panels that create monolithic sense of tranquility and yet not appearing to be heavy. Save this picture!© Patrick Bingham HallThe owner wanted to utilize every surface of a floor plate as well as having the flexibility of adapting to different uses in future. This calls for a rethinking of compartmentalization and access spaces. Save this picture!© Patrick Bingham HallThe living/dining/family spaces are all combined into a large open space. The reduction of the walls to compartmentalize the spaces allows for flexibility. There are no corridors; the passageways are widened to become a usable space. The partition walls between rooms allow for change of use. Save this picture!© Patrick Bingham HallThe configuration of the spaces are clear and direct, having the staircases as feature objects in space and a double volume space to connect the stacked plates. The boxes stacked on each other being a solution to the functional requirements is also inevitably the expression of the building form.Save this picture!© Patrick Bingham HallProject gallerySee allShow lessWuxi Elementary School Re-Design / Atelier XÜKArticlesUjpalota Main Square / HMS-PlanArticles Share The Golden Box / K2Ld ArchitectsSave this projectSaveThe Golden Box / K2Ld Architects The Golden Box / K2Ld Architects “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/154858/the-golden-box-k2ld-architects Clipboard Save this picture!© Patrick Bingham Hall+ 7 Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/154858/the-golden-box-k2ld-architects Clipboard Architects: K2Ld Architects Photographs CopyAbout this officeK2Ld ArchitectsOfficeFollowProductsGlassSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesHousesSingaporePublished on August 01, 2011Cite: “The Golden Box / K2Ld Architects” 01 Aug 2011. ArchDaily. Accessed 12 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogPartitionsSkyfoldIntegrating Operable Walls in a SpaceGlass3MSafety Window Films in Associated Watch and Jewelry BuyersFaucetshansgroheKitchen Mixers – Talis MWindowsAir-LuxSliding Windows for High-Rise BuildingsSignage / Display SystemsGoppionDisplay Case – B-ClassGlassLAMILUXGlass Roof PR60Manuals & AdviceSikaFirestop SystemsMetal PanelsAmerican MetalcraftRainscreen – RS300Curtain WallsRabel Aluminium SystemsMinimal Curtain Wall – Rabel 35000 Slim Super ThermalWaste Containers / Recycling BinsPunto DesignLitter Bin – PapilonSound BoothsFramerySoundproof Phone Booths – Framery OneCarpetsnanimarquinaRugs – ShadeMore products »Read commentsSave想阅读文章的中文版本吗?金色盒子住宅 / K2Ld Architects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 streamlast_img read more

Two Angle House / Megowan Architectural

first_imgArchitects: Megowan Architectural Year Completion year of this architecture project Furnishings:Remodern FurnitureCity:Mount ElizaCountry:AustraliaMore SpecsLess SpecsSave this picture!© Tom BlachfordRecommended ProductsWindowspanoramah!®ah!38 – FlexibilityWoodTechnowoodPergola SystemsDoorsECLISSESliding Pocket Door – ECLISSE LuceWindowsLibartVertical Retracting Doors & WindowsText description provided by the architects. The Two Angle house, located in the seaside town of Mount Eliza in Victoria, Australia, is about contrast. The interior and exterior are a play on the contrast between two angles of internal organization, the contrast between warm and cold materials and a considered contrast between architecture and landscape.Save this picture!© Tom BlachfordThe two angles within the layout of the design are immediately expressed upon entry into the house. A large concrete blade wall extends due west out to frame a double height view of the bay while the prevailing angle of the surrounding subdivision is expressed through a spotted gum timber lined ceiling which leads to the main living area of the house.Save this picture!© Tom BlachfordJoinery volumes, the direction of decking and soffits, the board forming in the concrete, custom elongated strip lighting and large cantilevered decks all extend westward reinforcing and framing the principal western view. In angling off the suburban grid, the house was able to stretch from east to west across the site allowing for optimal passive solar design to every habitable room.Save this picture!© Tom BlachfordThe house presents to the street as a modest single family home in scale with many of the older post war homes which exist in the area. It is only upon entry that the true scale of the house is revealed.Save this picture!© Tom BlachfordThe principle areas of the house are designed on the top (second) floor allowing the two clients to live predominantly on one level despite the hillside nature of the site. The master bedroom was oriented to the north and east to allow for the clients to wake up with the sun and take in spectacular views across the bay to the Melbourne CBD. The kitchen living and outdoor terrace was oriented to the west and north to maximize the views and dramatically frame sunsets.Save this picture!© Tom BlachfordExtensive concrete in floors and walls acts as thermal mass while in slab hydronic heating further helps regulate interior temperatures. Water tanks, solar panels and solar hot water (both domestic and for pool) are some of the many sustainable initiatives.Save this picture!© Tom BlachfordProject gallerySee allShow lessBoat Rooms on the Fuchun River / The Design Institute of Landscape and Architecture …Selected ProjectsRenasant Bank – Shell + Interiors / brg3s ArchitectsSelected Projects Share Australia Two Angle House / Megowan ArchitecturalSave this projectSaveTwo Angle House / Megowan Architectural 2018 Save this picture!© Tom Blachford+ 23Curated by María Francisca González Share Two Angle House / Megowan Architectural Houses ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/893040/two-angle-house-megowan-architectural Clipboard CopyHouses•Mount Eliza, Australia ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/893040/two-angle-house-megowan-architectural Clipboard Year: center_img Photographs:  Tom Blachford Manufacturers Brands with products used in this architecture project Kabsav Projects Photographs Manufacturers: VELUX Commercial, Colorbond, Miele, National Tiles, Reece, Rixson, Artedomus, Benchtops, New Form Concreting, Remodern Builder: CopyAbout this officeMegowan ArchitecturalOfficeFollowProductsWoodConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesMount ElizaAustraliaPublished on May 24, 2018Cite: “Two Angle House / Megowan Architectural” 24 May 2018. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogAluminium CompositesTechnowoodWood Siding in KSR Villa BodrumRailing / BalustradesMitrexIntegrated Photovoltaic Railing – BIPV RailingMetal PanelsAurubisCopper Surface: Nordic DécorWindowsAir-LuxSliding Window – CorneringWoodBruagRoom Acoustics – Interior Cladding PanelsSinksBradley Corporation USASinks – Frequency® FL-SeriesMetal PanelsTrimoInternal Walls – Trimoterm, Qbiss OneGlassSolarluxWintergarden – SDL Akzent plusSystems / Prefabricated PanelsInvestwoodCement Bonded Particle Board – VirocPaintKEIMMineral Paint in Hunters Point LibraryCabinetsburgbadMid-Height Cabinet – EssentoSignage / Display SystemsGlasbau HahnMuseum Display CasesMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?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 “COPY” ArchDaily “COPY” Projectslast_img read more

FSA promotes tax-efficient giving

first_img Howard Lake | 3 April 2003 | News AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving. The Financial Services Authority (FSA) is supporting The Giving Campaign’s initiative to raise awareness amongst financial advisers of the tax breaks available for individuals who give to charity.It has sent out the Campaign leaflet Making Gifts Go Further to all FSA firms as part of its industry training role. The leaflet introduces the main tax-effective ways of giving to charity to enable financial professionals to pass on the right advice on charitable donations to their clients.For free copies of the guide Making Gifts go Further, visit The Giving Campaign. Advertisementcenter_img  12 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis FSA promotes tax-efficient givinglast_img read more

Media diversity in danger in Gaza Strip and West Bank

first_img May 16, 2021 Find out more July 27, 2007 – Updated on January 20, 2016 Media diversity in danger in Gaza Strip and West Bank Organisation News The partition of the Palestinian Territories resulting from the Islamist party Hamas’ takeover in the Gaza Strip in June has eroded media diversity, Reporters Without Borders said today. Broadcast media that are affiliated to Fatah or support it have stopped operating in Gaza, while pro-Hamas journalists are exposed to threats in the West Bank, controlled by the Palestinian Authority.“Palestinian journalists have for several weeks been living with the fear of being targeted by Hamas or Fatah militants,” the press freedom organisation said. “We appeal to the president of the Palestinian Authority, Mahmoud Abbas, and to former prime minister Ismael Haniyeh to put a stop to the threats and intimidation of journalists. A way must also be found to allow the Gaza Strip’s closed radio and TV stations to go back to work in order to preserve news diversity.”Reporters Without Borders added: “Foreign correspondents also face a major security problem. In the absence of any guarantees from the Palestinian authorities, the threat of kidnapping is still present. No attempt has been made to arrest and try those responsible for the abduction of British journalist Alan Johnston although everyone knows who they are.”The only broadcast media operating in the Gaza Strip since the Hamas takeover are the Islamist party’s own media (Al Aqsa TV and Sawt Al Aqsa), plus Sawt Al Qur’an Al-Kareem (a radio station run by the religious affairs ministry, which is under Hamas control), Sawt Al Qods (which supports Islamic Jihad) and Radio Alwan (which is regarded as a pro-Hamas station).The state-owned press controlled by the Palestinian Authority have moved to the West Bank while privately-owned broadcast media affiliated to Fatah have had to stop operating. According to the information available to Reporters Without Borders, at least nine news media have had to stop operating in the Gaza Strip. Three of them are state-owned: the Public Broadcasting Corporation, the Voice of Palestine radio and the WAFA news agency. The other six are privately owned: Sawt Al Shabab, Sawt Al Hurriya, Sawt Al Aamal, Sawt Al Shaab, and the weekly newspapers Al Karama and Al Sabah.Meanwhile in the West Bank, Issa Youssef Abou Al Izz, the head of the pro-Hamas TV station Afak, received telephone threats on 24 July after broadcasting a report that blamed the recent disturbances at Al Najah university in Nablus on Fatah supporters. The same day, gunmen burst into the station’s premises in Nablus, forced all the journalists present to leave, opened fire inside and destroyed much of the equipment. RSF_en Follow the news on Palestine Israel now holding 13 Palestinian journalists RSF asks ICC prosecutor to say whether Israeli airstrikes on media in Gaza constitute war crimes PalestineMiddle East – North Africa May 28, 2021 Find out morecenter_img News Receive email alerts June 3, 2021 Find out more PalestineMiddle East – North Africa News Help by sharing this information WhatsApp blocks accounts of at least seven Gaza Strip journalists News to go furtherlast_img read more

Russia: RSF deplores search of well-known journalist’s home

first_img News Help by sharing this information Listed as a “foreign agent”, Russia’s most popular independent website risks disappearing Two Russian journalists persecuted for investigating police corruption to go further Russian media boss drops the pretence and defends Belarus crackdown Читать по-русски в PDF и ниже / Read in RussianReporters Without Borders (RSF) condemns yesterday’s raid on the Moscow apartment of the well-known Russian opposition journalist and human rights defender Zoya Svetova, regarding it as an attempt to intimidate her.Svetova’s home was searched by around ten officials including members of the Investigative Committee, which is charge of investigating the most serious crimes in Russia. They arrived at around 11 a.m. and conducted a detailed examination of her books, her computers and other electronic equipment, copying some of their contents. They confiscated her husband’s phone, a tablet and several memory cards.Other journalists gathered outside Svetova’s apartment but most of them were prevented from covering the search. Vasili Polonsky, a reporter for independent Dozhd TV who was in the apartment, began filming with his phone but police officers quickly snatched it from him.Officially the raid was linked to an investigation launched in 2003 into alleged embezzlement of public funds by Mikhail Khodorkovsky, the former oligarch and Kremlin opponent who now lives in exile. He funds several civil society organizations including Otkrytaya Rossiya, a news website that Svetova writes for.“How was this search essential to solving a case that is nearly 15 years old?” said Johann Bihr, the head of RSF’s Eastern Europe and Central Asia desk. “It is hard not to see it as an absurd pretext for trying to punish and intimidate Zoya Svetova.“By invading her home and examining the contents of her computer equipment, the authorities violated the principle of the confidentiality of sources – a principle guaranteed by Russian law and the European Court of Human Rights – and obstructed her professional activities as a journalist. We urge them to return her material at once and to let her do her work.”Svetova has written extensively about the condition of prisoners in Russia and the way the authorities abuse the justice system. Nowadays she writes mainly for the opposition weekly New Times and for Otkrytaya Rossiya.She has received many awards including the Sakharov Prize for Journalism, which is awarded by the Glasnost Defence Foundation, an RSF partner organization. For many years, she was member of the official prison inspection commission, but was ousted from the commission in 2016, like most of its other independent members.“Zoya Svetova (…) regards all this as senseless and crazy,” her lawyer, Anna Stavitskaya, told BFM radio. “We are back where we started. The same raids were carried out in the past on the home of her parents [well-known Soviet dissidents] and today it is her turn.”Russia is ranked 148th out of 180 countries in RSF’s 2016 World Press Freedom Index. With the aid of draconian laws and tighter Internet controls, harassment of independent media outlets and investigative journalists has grown steadily since Vladimir Putin’s return to the Kremlin in 2012. Several leading independent news outlets have either been brought under control or throttled out of existence.Обыск у известной российской оппозиционной журналистки: РБГ осуждает стремление властей к устрашению Репортеры без границ (РБГ) осуждают обыск, проведённый во вторник, 28 февраля в квартире у известной журналистки Зои Световой.28 февраля 2017 порядка десяти следователи целый день обыскивали московскую квартиру известной журналистки и правозащитницы Зои Световой. Около 11 часов утра в неё вошли сотрудники Следственного комитета, на которых возложено расследование наиболее тяжких преступлений. Они подробно просмотрели книги и компьютеры журналистки, скопировав часть их содержимого. Также они изъяли телефон её мужа, электронный планшет и несколько карт памяти.Собравшиеся за пределами квартиры журналисты были лишены возможности освещать ход обыска. Когда присутствовавший внутри квартиры корреспондент независимого телеканала «Дождь» Василий Полонский начал снимать происходя-щее на свой телефон, полицейские быстро выхватили его у него.По официальной версии, проведение обыска связано со следствием, начатым в 2003 году по обвинению Михаила Ходорковского в хищении государственных средств. Этот бывший олигарх, а ныне находящийся в изгнании оппозиционер, финансирует ряд структур гражданского общества, в том числе и новостной сайт «Открытая Россия», с которым сотрудничает Зоя Светова.«Зачем понадобился этот обыск и каким образом он мог пролить свет на дело почти что пятнадцатилетней давности? – задаётся вопросом глава отдела Восточной Европы и Центральной Азии «Репортёров без границ» Иоханн Бир, – трудно не заметить, что за этим абсурдным предлогом стоит стремление к наказанию и устрашению. Вторжение в квартиру Зои Световой и изучение содержимого её компьютеров нарушает принцип защиты источников информации, гарантированный журналистам как законодательством Российской Федерации, так и Европейским судом по правам человека. Это действие представляет собой препятствие для журналистской профессиональной деятельности. Мы призываем власти немедленно вернуть Световой её оборудование и не мешать ей продолжать делать свою работу». Журналист и правозащитница Зоя Светова является автором многочисленных расследований о положении заключенных и о злоупотреблениях российским правосудием. В настоящее время она в первую очередь работает с оппозиционным еженедельником «The New Times» и сайтом «Открытая Россия». Её работа дважды награждалась премией имени Сахарова «За журналистику как поступок», которая вручается Фондом Защиты Гласности – партнерской организации РБГ. Будучи долгие годы членом oбщественной наблюдательной комиссии по инспекции тюрем, в 2016 году, одновременно с рядом других её независимых членов, она была изгнана из неё.«Зоя Светова […] считает, что это совершенно бессмысленно и безумно, заявила радиостанции «Бизнес ФМ» адвокат журналистки Анна Ставицкая, – все возвращается на круги своя, как когда-то такие же обыски проходили в отношении ее родителей [известные советские диссиденты], теперь же в отношении неё».Россия занимает 148 место из 180 во всемирном рейтинге свободы прессы, опубликованном РБГ. Драконовские законы, удушение или захват ключевых изданий, контроль за Интернетом… Давление на независимые СМИ и журналистские расследования продолжает нарастать после возвращения в 2012 году в Кремль Владимира Путина. RussiaEurope – Central Asia Condemning abuses WomenJudicial harassmentFreedom of expressionCouncil of EuropeInternet News Receive email alerts News Follow the news on Russia RSF_en News Related documents cp_svetova_01-03-2017_ru.pdfPDF – 81.42 KB Organisation June 2, 2021 Find out more May 5, 2021 Find out more May 21, 2021 Find out more March 1, 2017 Russia: RSF deplores search of well-known journalist’s home Alexander Nemenov / AFP RussiaEurope – Central Asia Condemning abuses WomenJudicial harassmentFreedom of expressionCouncil of EuropeInternet last_img read more

STEM applications being accepted

first_img Pinterest STEM applications being accepted By admin – March 9, 2018 Previous articleGUEST VIEW: Arming teachers with mental health tools, not gunsNext articleGroup warns against giving minors alcohol admin Pinterest Local NewsEducation Twitter Facebookcenter_img Facebook WhatsApp WhatsApp UTPB STEM Academy. utpb stem academy logo The UTPB STEM Academy is currently accepting applications for the 2018-2019 school year for students in grades kindergarten through 10th grade.The application period for new students for 2018-19 runs through April 13. The lottery is April 19.The UTPB STEM is a public, open-enrollment charter school located on the University of Texas of the Permian Basin campus. It is dedicated to implementing the newest and most promising practices in education with an emphasis in science, technology, engineering and mathematics (STEM).{{tncms-inline content=”<ul> <li><a href="https://utpbstem.schoolmint.net/welcome" target="_blank">UTPB STEM Academy.</a></li> </ul>” id=”e9c39919-d893-4a02-8a03-2007bbea19f2″ style-type=”info” title=”More Information” type=”relcontent”}}More Information Twitterlast_img read more

A Lookback on Combined Loan-to-Value Ratios

first_img CLTV loans mortgage 2020-06-15 Seth Welborn Previous: Fannie Mae Hires Financial Advisor Next: Understanding the Causes of Mortgage Credit Tightening Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Share Save An analysis of the CLTV ratio, by price bucket, shows that homebuyers in 2019 borrowed more for homes in the same price range than they did in 2015, according to a new study from CoreLogic. The report reveals that “median home price in 2019 for mortgaged home sales was roughly $260,000, with an estimated average CLTV of 89%. Conversely, in 2015, homebuyers averaged a CLTV of 88% for homes when spending the same amount.”The report also shows that, adjusting for home-price appreciation, CLTVs at the low end have not experienced much change. CoreLogic explains that, from 2015–2019, the median sale price increased by 17%. The report states, “While in 2015, purchase mortgages at the median sale price had roughly the same average CLTV as those sold around the median price in 2019. By accounting first for home-price appreciation, we can provide a fair comparison of the average CLTV by price bucket.”Adjusting 2015 median sale price amounts in light of 2019 home appreciation, the average CLTV for homes sold was roughly the same in both years, CoreLogic reports. For home sales with a sale price amount equal to or exceeding 125% of the national median (considered “high-tier” by CoreLogic), “the CLTV in 2019 averaged about 1 percentage point less than in 2015.”Between 2015–2019, nationwide home values grew an average of 22%—”possibly contributing to the improvement in CLTV for high-end home purchases,” according to CoreLogic. As such, homebuyers selling an existing home in 2019 “would likely have benefited from increases in home equity, resulting in additional funds to put towards a down payment on the new home.””In recent years we’ve seen a steady pattern of higher CLTV ratios within low-end purchases markets and a steady CLTV decrease as the home becomes more expensive,” said CoreLogic. “The pattern could be in part due to lower-priced entry-level homes being sold to buyers without established home equity to help with a down payment. Alternatively, it could be a result of higher-end homes being purchased by existing homeowners looking to trade up. After adjusting for changes in home price growth, there has been very little change in the average CLTV by price bucket except for a slight decline with higher-end sales. That said, any change in the overall average CLTV may provide initial insight into the buyer mix and risk tolerance of lenders.”  Print This Post Demand Propels Home Prices Upward 2 days ago Home / Daily Dose / A Lookback on Combined Loan-to-Value Ratios The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Market Studies, Newscenter_img Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago A Lookback on Combined Loan-to-Value Ratios About Author: Seth Welborn The Best Markets For Residential Property Investors 2 days ago 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. The Week Ahead: Nearing the Forbearance Exit 2 days ago Related Articles Sign up for DS News Daily June 15, 2020 1,227 Views Tagged with: CLTV loans mortgage Subscribelast_img read more

Council urged to take action to stop illegal dumping at Galliagh beauty spot

first_img Man arrested on suspicion of drugs and criminal property offences in Derry Pinterest Further drop in people receiving PUP in Donegal Google+ Council urged to take action to stop illegal dumping at Galliagh beauty spot WhatsApp Twitter 365 additional cases of Covid-19 in Republic Pinterest There’s been widespread condemnation of ongoing illegal dumping near a holiday caravan park at Upper Galliagh Road in Derry.Residents in the area say they are fed up with people dumping rubbish at the roadside in the scenic rural area.Last evening, the Chair of Derry and Strabane Council’s Environment Regeneration Committee visited the area, and urged officials to investigate who is behind this illegal dumping.Cllr Brian Tierney says action must be taken to stamp this dumping out………Audio Playerhttp://www.highlandradio.com/wp-content/uploads/2015/07/btierneyweb.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Previous articleDuffy excited for UFC fight in GlasgowNext articleLough Swilly Ferry Service could return as early as next week admin Google+center_img Homepage BannerNews Main Evening News, Sport and Obituaries Tuesday May 25th Twitter RELATED ARTICLESMORE FROM AUTHOR WhatsApp By admin – July 17, 2015 Facebook 75 positive cases of Covid confirmed in North Facebook Gardai continue to investigate Kilmacrennan firelast_img read more

Champ the Elf has plenty of Auburn spirit

first_img Print Article Plans underway for historic Pike County celebration Troy falls to No. 13 Clemson Around the WebMd: Do This Immediately if You Have Diabetes (Watch)Blood Sugar BlasterIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential HealthGet Fortnite SkinsTCGThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel Remember America’s heroes on Memorial Day Champ the Elf has plenty of Auburn spirit Skip Pike County Sheriff’s Office offering community child ID kits Email the author Published 11:00 pm Monday, December 23, 2013 Book Nook to reopen You Might Like LAST MINUTE SHOPPING Last minute shoppers hit the Square in search of deals With the clock clicking ever closer to Christmas, people all… read more “Champ does have the Auburn spirit,” Bradford said, laughing. “We were all surprised when Champ joined K.C. and Dawson’s elf, Colley, that morning. Colley has been visiting our family since 2007. He just appeared that December and he’s been back every Christmas since.”Orange and blue have significance around the Bradford home so Colley obviously didn’t feel threatened by Champ’s presence.“They get along really well,” Bradford said. “They do everything together. Every morning, they appear in the same places, in the Christmas tree or in the boys’ stockings or in the audience while the angels sing.” By Jaine Treadwell Colley and Champ are just about as good as elves can be.“Sometimes, they get in the pantry while we’re asleep and leave crumbs or spill drinks,” Bradford said. “But, they don’t get into any real trouble.”One reason might be the letter that Santa sent along with Colley this year.“Santa’s letter said that he wanted K.C. and Dawson to remember the true meaning of Christmas,” Bradford said. “He reminded them that it is better to give than to receive. The first thing Santa asked the boys to do was to open the Bible to the story of Christmas. They were to leave the Bible open to that passage so that Colley could read the Christmas story every day while they were gone.” Imagine their surprise when K.C. and Dawson Bradford went into the kitchen one morning and found, not one but two elves, sitting atop the fruit bowl listening to a choir of angels sing.The boys’ mom, Melissa Bradford, said that much could be said about the morning “Champ” appeared at the Bradford home in Troy. After all, it was just after the 2013 Iron Bowl and Champ was dressed in orange and blue.Could it be that Champ came to the Bradford home on Eagle’s wings? Sponsored Content The Penny Hoarder Issues “Urgent” Alert: 6 Companies… By The Penny Hoarder Latest Stories Bradford said that Santa’s letter and Colley’s daily observance of the real reason for the season had been encouragement to K.C. and Dawson to think more of others this Christmas season.“They have participated with our nursing home resident and we have adopted a family recommended by DHR,” Bradford said. “We’ve participated at school and church in giving to others. What Santa said in his letter was important and the boys have learned more about the real meaning of Christmas.”Tonight, Colley will go back to the North Pole as he has done every Christmas Eve that he has visited K.C. and Dawson. And, hopefully, he’ll come back again next December.“We’re not sure about Champ,” Bradford said. “He didn’t come with a book or any instructions. He just appeared. We don’t know if he will lose his magic if we touch him or if he’ll stay or leave and come back. We just don’t know.”But the Bradfords wouldn’t be surprised if Champ stays round until after the New Year and then flies off to places unknown – places like, maybe, Pasadena, California.last_img read more