Forbearance Volumes Change Course

first_img Servicers Navigate the Post-Pandemic World 2 days ago in Daily Dose, Featured, Loss Mitigation, News Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles November 20, 2020 1,665 Views After falling by 273,000 or 9% over the past two weeks, forbearance volumes edged upward this week.Data collected by Black Knight through November 17 showed that about 5.2% of all active mortgage loans nationwide are in forbearance programs—that’s about 2.77 million. The number is significantly lower than last spring’s peak, which was 4.76 million in late May.Black Knight publicist Angela Brangaccio summed up the report for DS News:”This week’s rise was a result of an increase of 15,000 forbearances among FHA/VA loans, along with 14,000 and 1,000 additional loans in forbearance among private-label securities/bank portfolios and the GSEs, respectively.”Despite the weekly increase, the number of active forbearances remains down 7% (-212,000) from the same time last month,” Brangaccio said. “We’re used to seeing incremental increases in the middle of the month, with bigger declines usually happening in the beginning of the month as forbearance plans expire.”Also of note, extensions account for 82% of active forbearance cases.Each week, Black Knight compiles a report from its McDash Flash Forbearance Tracker, which tracks forbearance volumes and related data, and posts a summary here on this blog.The following chart tracks forbearances throughout the course of the coronavirus pandemic:Last week, Freddie Mac released a report that showed the extent to which forbearances have helped keep homeowners in their houses despite COVID-related delinquencies. For Freddie-backed loans, the survey compares the coronavirus to previous natural disasters such as hurricanes and fires.Freddie Mac concluded that homeowners have delayed about $4 billion in mortgage payments each month through forbearance.According to the report, the early pandemic forbearance rate was slightly lower than the 5.8% recorded from August 2017 to December 2017, when Hurricanes Harvey, Irma, and Maria wreaked havoc. Three years ago, the financial stress was strictly regional, whereas this year the stress is nationwide.“Mortgage forbearance provides liquidity to households and plays a vital role in mitigating the damage to homeowners during times of crisis whether it be a hurricane, wildfire, or health epidemic,” said Sam Khater, Freddie Mac’s Chief Economist. “Research on this topic is important because it will help us prepare for the next several months as we continue to navigate the COVID-19 pandemic, and beyond.” Previous: Social Welfare Group Pushes for Immediate Pro-Housing Policy Next: Could Fed Policy Inadvertently Disrupt the Housing Market? About Author: Christina Hughes Babb Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Sign up for DS News Daily Subscribe Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Share Save Servicers Navigate the Post-Pandemic World 2 days ago Home / Daily Dose / Forbearance Volumes Change Course Forbearance Volumes Change Course Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly, Salon.com, Dallas Observer, Edible, and the Dallas Morning News, among others. The Best Markets For Residential Property Investors 2 days ago  Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago 2020-11-20 Christina Hughes Babb Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

Safety Training

first_imgEmployee safety is a priority for most business owners, but time constraints, as well as language barriers, can make safety training more challenging for employees in Georgia’s green industry. To improve safety in Georgia’s landscape and tree care industries, the University of Georgia Center for Urban Agriculture developed a training program that fits company schedules and uses materials designed for both English- and Spanish-speaking employees.From 2012 to 2016, 64 people employed in the landscape industry in Alabama, Florida, Georgia and Mississippi died as a result of workplace injuries, according to the U.S. Department of Labor. In 2016, the Tree Care Industry Association reported 153 incidents, 92 of which were fatal.Since 2004, the center, based on the UGA Griffin campus, has received five Susan Harwood Training Grants from the Department of Labor’s Occupational Safety and Health Administration (OSHA). Harwood grants fund education for workers and employers on the recognition, avoidance and prevention of safety and health hazards in the workplace.“OSHA was struggling to find people to teach safety trainings in the landscape field,” said Alfredo Martinez, the UGA College of Agricultural and Environmental Sciences plant pathologist who led the team that originally organized the training project. “Business owners are fined by OSHA when there is a safety incident and they have to pay the worker’s medical bills. They also experience a loss of time while the worker recuperates.”Martinez said that the success of the UGA training program is tied to business owners seeing the value of educating their workers and building a reputation of being prevention-minded.Using the OSHA funds, UGA experts prepared and delivered two- to six-hour safety training sessions. To date, these programs have reached more than 4,000 workers.“Three-fourths of this workforce is Hispanic, so our priority has been to equip them. They are the backbone of this industry,” Martinez said.Early on, the UGA training sessions focused on reducing equipment- and driving-related injuries and the misuse of pesticides. The trainings have since progressed to include safe use of tree care equipment, like chainsaws.“Many tree care and landscape employees are temporary, seasonal workers. The workload is often heavy and these employees are busy, which can make it difficult for companies to get these employees safety training,” said Ellen Bauske, a program specialist with the center who now leads the project.The UGA team hired instructors from North American Training Solutions to teach aspects of the safety training.“We learned early on that tree care employees want to learn from someone who has run a saw for a living, not a UGA Extension employee,” Bauske said. “Of course, this makes the classes more effective because the workers are open to learning from their peers.” The UGA team developed “picture-rich” training materials, hands-on lessons and easy-to-read bilingual manuals.“These employees are quick studies, but they don’t like to read and study a textbook. They want to see it, touch it and do it to learn,” she said. “And we have to take the classes to them.” Bauske says business owners support the training program, which is evident in the fact that employees attend classes during working hours while they are on the clock. Most of the companies who work with UGA for training purposes are small to midsized businesses. Larger companies employ their own training staffs, she said.Workers aren’t the only ones who benefit from the UGA safety training sessions. Company owners are also trained. Newsletters with tips on chainsaw safety, traffic safety, personal protective equipment and more are also available for landscape business owners.“The information in the newsletter is designed to be easy to share with the workers during a morning tailgate meeting,” Bauske said.With the OSHA grant completed, the UGA trainings are now available online at no cost at ugaurbanag.com/safety/. Spanish and English versions of the “Safety for Hispanic Landscape Workers” manual are also available for purchase on the site.last_img read more

Solwhit Dies In Tipperary schooling accident

first_imgThe Charles Byrne-trained horse won 8 Grade 1 races in all, while his biggest achievement was winning last year’s World Hurdle at the Cheltenham Festival.Solwhit won 13 races, along with eight places, from 23 starts over hurdles.last_img

HARPS CAPTAIN RE-LAUNCHES HIS DONEGAL SOCCER ACADEMY AFTER SUCCESSFUL FIRST YEAR

first_imgFOOTBALL: After a hugely successful 1st year, Donegal Soccer Academy are ‘re-launching’ their this coming Wednesday 13th in the Aura with New Times and New Ages Groups to coincide with their first birthday!Finn Harps captain Kevin McHugh, who runs the academy told Donegal Daily, “It’s amazing the improvement in the kids from day 1 until now, from their touch – to their confidence – to playing in small sided games, it really is great to see. “We are always on the hunt for new ways to improve our Academy and have created a New Website (www.DonegalSoccerAcademy.com) for kids/parents to reference going forward.“There has been loads of parents asking us about the age limits, so we have brought this down to 5 yrs + for Boys and Girls.“We have also decided to run all age groups from 5pm to 6pm as a lot of parents were having to hang about having children in both age categories.“If you’d like your child to try out our Academy, register their Name & DOB via email:  [email protected], our arrive 10mins early on Wednesday. For more information check out www.DonegalSoccerAcademy.comHARPS CAPTAIN RE-LAUNCHES HIS DONEGAL SOCCER ACADEMY AFTER SUCCESSFUL FIRST YEAR was last modified: April 11th, 2016 by Mark ForkerShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:Donegal Soccer AcademyFootballnewssoccerSportlast_img read more

Derry: Mark Hughes will stay even if QPR lose to Southampton

first_imgShaun Derry has told talkSPORT he believes Mark Hughes will keep his job as QPR manager even if they lose to fellow strugglers Southampton on Saturday.Chairman Tony Fernandes has been tipped to wield the axe if Hughes does not finally deliver a first league win of the season.But Rangers midfielder Derry said: “I don’t think a manager will be going from the Hoops [even if Southampton win], because I feel he’s got the backing of everybody at the club.“Clearly if things don’t change, we’re gone. But I think things will change.”Should Hughes keep his job as QPR manager? Click here to voteClick here for Wednesday’s QPR quiz  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 Follow West London Sport on TwitterFind us on Facebooklast_img read more

Benitez: Torres is improving

first_imgRafael Benitez has insisted that Fernando Torres’ performances are steadily improving despite the striker’s problems in front of goal.Torres has scored only once in his last 14 appearances and missed a number of chances during Chelsea’s Europa League game against Sparta Prague on Thursday.But Benitez believes Torres showed signs in that game that his form is getting better.“I can see him improving. Physically he was working very hard,” said the Blues’ interim manager.“His play was much better, his positioning was much better. We have to have confidence because the way he trains and approaches games is positive.“Part of Fernando’s job is to create space and to put players in good positions with his movement.“He is doing a great job for the team, is doing well and I am convinced he will score goals.”See also:Benitez defends Torres after Chelsea winGiant poster mocking Torres is removedYTo4OntzOjk6IndpZGdldF9pZCI7czoyMDoid3lzaWphLW5sLTEzNTI0NjE4NjkiO3M6NToibGlzdHMiO2E6MTp7aTowO3M6MToiMyI7fXM6MTA6Imxpc3RzX25hbWUiO2E6MTp7aTozO3M6MjI6Ildlc3QgTG9uZG9uIFNwb3J0IGxpc3QiO31zOjEyOiJhdXRvcmVnaXN0ZXIiO3M6MTc6Im5vdF9hdXRvX3JlZ2lzdGVyIjtzOjEyOiJsYWJlbHN3aXRoaW4iO3M6MTM6ImxhYmVsc193aXRoaW4iO3M6Njoic3VibWl0IjtzOjMzOiJTdWJzY3JpYmUgdG8gb3VyIGRhaWx5IG5ld3NsZXR0ZXIiO3M6Nzoic3VjY2VzcyI7czoyODM6IlRoYW5rIHlvdSEgUGxlYXNlIGNoZWNrIHlvdXIgaW5ib3ggaW4gb3JkZXIgdG8gY29uZmlybSB5b3VyIHN1YnNjcmlwdGlvbi4gSWYgeW91IGRvbid0IHNlZSBhbiBlLW1haWwgZnJvbSB1cywgY2hlY2sgeW91ciBzcGFtIGZvbGRlci4gSWYgeW91IHN0aWxsIGhhdmVuJ3QgcmVjZWl2ZWQgYSBjb25maXJtYXRpb24gbWVzc2FnZSwgcGxlYXNlIGUtbWFpbCBmZWVkYmFja0B3ZXN0bG9uZG9uc3BvcnQuY29tIGFuZCB0ZWxsIHVzIHlvdSB3aXNoIHRvIHN1YnNjcmliZSB0byBvdXIgbmV3c2xldHRlci4iO3M6MTI6ImN1c3RvbWZpZWxkcyI7YToxOntzOjU6ImVtYWlsIjthOjE6e3M6NToibGFiZWwiO3M6NToiRW1haWwiO319fQ== Follow West London Sport on TwitterFind us on Facebooklast_img read more

Why We’ll Have Robots In The Workplace Before Robots At Home

first_imgWhy You Love Online Quizzes lauren orsini How to Write a Welcome Email to New Employees? Tags:#Beam#PR2#robotics#robots#ROS#Suitable Technologies#Willow Garage Two technology companies have decided that the world needs a robot that can help you telecommute more than it needs a robot that can deliver beer.Suitable Technologies announced Wednesday that it will be hiring the majority of employees at another robotics company, Willow Garage. As a result, far more manpower will be put into Suitable’s robotics research, and it appears that Willow Garage is essentially ceasing further development of its main product, the PR2 robot.Suitable Technologies and Willow Garage are both started by the same founder, Scott Hassan. Suitable Technologies is best known for Beam, a remote presence robot. Beam began as Willow Garage’s Project Texai, but became such an intense project that Hassan created a separate company around it. Beam competes with several existing robot product lines that help employees “attend” company events remotely while they’re physically still at home. See also: Can’t Make The Meeting? Send Your Robot InsteadWillow Garage, on the other hand, is best known for its sophisticated personal robot, the PR2. Operating on open-source robotics technology, PR2 can flip pancakes, deliver beer to employees, and even plug itself in when it senses its battery getting low. See also: How An Open Source Operating System Jumpstarted Robotics ResearchNow that Suitable Technologies will be retaining Willow Garage employees, don’t expect to see any new developments with the PR2. Intricate but bulky, and priced at $400,000, the PR2 is sophisticated but not revolutionary.Its legacy may actually be more in software than hardware. When DARPA needed to choose a standard on which to base its global robotics contest, it picked ROS, the robotics operating system Willow Garage developed with PR2 in mind, but not the PR2 itself. For the physical robot model, it chose Boston Dynamics’ Atlas robot instead. Meanwhile, Beam is priced at $16,000 (which is still pretty steep when you realize there are remote-presence robots on the market for as low as $2,000.) And the PR2 requires extensive programming for practical use. In other words, the PR2 simply isn’t as close to being ready for mainstream manufacturing as Beam is. It makes sense that Hassan is more interested in putting his focus into Beam.According to a company press release, customer support for the PR2 will still continue. However, Willow Garage will be selling its “remaining stock” of PR2 models, which makes it sound like it won’t build new models. I’ve reached out to Suitable Technologies for more information on just what innovations we can expect to see soon with Beam.Photo courtesy of Suitable Technologiescenter_img 7 Types of Video that will Make a Massive Impac… Related Posts Growing Phone Scams: 5 Tips To Avoidlast_img read more

The Best Places to Find Film Grain

first_imgFeatures: 1 6K 35mm Grain, 16 HD Film GrainsPrice: $99If you’re looking for the highest resolution possible, RGrain might be the best solution for you. With a 35mm plate that has been scanned at 6144 x 3160, RGrain is probably the largest film grain pack available. RGrain boasts that the increased resolution of their 6K clip will allow users to control the size of their film grains.4. Ultimate Grain Features: Authentic 4K Film GrainsPrice: $99If you’re looking for the very best film grains on the internet, look no further than Emulsion from RocketStock. Emulsion is a comprehensive pack featuring 8mm, 16mm, and 32mm film grains. Unlike some of the other grains on this list, Emulsion film grains were actually shot using real film cameras. All of the film grains are delivered via a 4K ProRes 422 codec.Each clean film scan showcases 15 seconds of grain, designed for looping. Dirty scans are also included for those who want that retro, grungy look. Emulsion is perfect for all skill levels! All you need is Premiere Pro, Final Cut Pro X, or After Effects, and you’re ready to go. A detailed tutorial comes with your download.Here’s a quick demo of Emulsion in action.2. Gorilla Grain Features: 21 HD Film Grain ClipsPrice: $99Another good option for quickly putting film grains in your next project is Gorilla Grain. Unfortunately, Gorilla Grain is only in HD, so if you are working on 4K projects, you might want to choose something else, but if you want a super 35mm film grain pack that features real 35mm and 16mm film grain, this might be a great pack for you. Just like Emulsion, Gorilla Grain features 4k ProRes video delivered via instant download.3. RGrain Features: 12 Film Grain PlatesPrice: $49Ultimate Grain from Holy Grain is a great all-purpose solution if you are looking for cheap film grains that you can easily drop into a video project. Ultimate grain also features a few extra plates that you can use to stylize your clips.center_img Know of any other great film grain resources? Please share in the comments below. Make your video look like film with these awesome grain packs online.Getting an “authentic” film look is the goal of most filmmakers. However, one of the biggest challenges to making your digital footage look like film is finding the right film grain. Fortunately, there are a few good places to find film grain online.In the following article, we’ll take a look at our favorite places to find film grains online.1. Emulsionlast_img read more

Wolves captain rules out a European challenge

first_imgConor Coady insists it’s more important that Wolves remain “level-headed” and don’t look too far ahead in the Premier LeagueNuno Espírito Santo’s side have performed above expectations in their first season back in the English top-flight and currently sit 10th in the standings.To make things even better for the new boys, sixth-place in this season’s Premier League could become a Europa League qualification spot.This is due to the strong likelihood that one of the league’s top-five sides in Chelsea, Tottenham and Manchester City will win the Carabao Cup.Despite just four points separating them from sixth-place side Manchester United, however, Coady is refusing to get carried away over Wolves’ chances.“No, because as a club and as a team we don’t think like that,” said Coady, according to Eurosport.“We’ve gone from being in the Championship and people are talking about Europe.Jose Mourinho is sold on Lampard succeeding at Chelsea Tomás Pavel Ibarra Meda – September 14, 2019 Jose Mourinho wanted to give his two cents on Frank Lampard’s odds as the new Chelsea FC manager, he thinks he will succeed.There really…“We need to make sure we’re level-headed. We want to make sure we look at it game by game.“It (European talk) just doesn’t happen, all the lads will tell you nothing like that has been said in the changing room.“We haven’t looked too much at the league, you can move so much if you win, lose or draw.“We’re the same as the boss, we don’t look too much into that. We’ve started the season alright, we’re where we wanted to be, we wanted to keep the momentum going from last season.“Up to now it’s been OK but you look at games like Friday, we want to win games. It doesn’t matter if it’s Liverpool or Fulham.”Wolves will take on fellow newcomers Fulham today in the Premier League at Craven Cottage, which begins at 13:30 (CET).last_img read more