Taroudante – A public indoor swimming pool in Bornheim, western Germany, which had reportedly banned adult, male asylum seekers from entering the pool, after receiving complaints that women have been sexually harassed, has decided to reopen the pool.In the wake of the sexual assaults on women by young male immigrants during the New Year’s Eve celebrations in Cologne, Germany, a public swimming pool in Bornheim had closed its doors to refugees, after claims of sexual harassment.According to the town’s Deputy Mayor, Markus Schnapka, the “difficult decision” was made to send adult immigrants and asylum seekers a clear message that “breaching German cultural norms was crossing a red line.” “There have been complaints of sexual harassment and “chatting-up” [of women] at this swimming pool … by groups of young men, and this has prompted some women to leave [the premises],” he said.“This led to my decision that adult males from our asylum shelters could not enter the swimming pool until further notice,” he added.Commenting on the incident, Claudia Hoepfner, a user of the swimming pool, was quoted by Russia Today as saying, “For me it is almost impossible to understand because I think that everyone should have the chance to enjoy their free time, especially after fleeing their country, where they had problems.”Another pool customer said, “If they behave badly then they have to accept the consequences. But I haven’t seen anything and I don’t know anything [related to it].”The German town received international criticism over its decision, with social media users describing the decision as “racist.”Under harsh criticism, the local authority which runs the pool has now said that the pool will re-open for everybody on Thursday January 21, with the hope that “there will be no more sexual harassment.”As an alternative to the ban, the swimming pool will display poster with drawings unacceptable behaviors and practices inside pools.
By Jonathan WalshRabat – Moroccan wheat crops are expected to amount to only half of last year’s harvest as this season’s drought takes its toll on the kingdom’s agriculture, official estimates show according to Bloomberg news. A lack of rainfall is to blame for the poor grain harvest that Morocco relies so heavily upon. Other than a handful of rainy days in February, there has been little precipitation all season. Many farmers are saying that the rainfall was too little too late, in what they describe as “one of the worst droughts in living memory.” As most meals are eaten with bread or contain wheat, Moroccans consume roughly three times the global average yearly.While more developed countries may be able to limit the effects of poor rainfall, one of the main issues surrounding Moroccan agriculture is that only 15 percent of the land is irrigated. This means that harvests are almost solely dependent on natural rainfall.“This kind of agriculture has no future,” said Abdelaziz Oumarrou, a farmer who lives near the city of Midelt. He, like so many others, supports his family from the wheat harvest.“The harvest is going to be catastrophic; we must change and start doing things differently, such as irrigating,” he added.As would be expected, the economy is set to suffer a knock-out effect from the drought. Estimates from Centre Morocain de Conjoncture suggest that growth will slow this year to just 1.2 percent—in comparison to 3.8 percent last year—as a direct result of the dry weather.In January, King Mohammed VI called on the government to do more to tackle the widespread negative effects of the drought. Two sets of measures were implemented to maintain agricultural activity on his orders, protecting both plant and animal resources.“In accordance with the High Royal Instructions, maintaining balance in rural areas remains a major focus of public policies and influences the series of actions to be taken,” an official source said.
Apple announced new models of the MacBook Air 11-inch and 13-inch on Monday during the WWDC keynote, and as we’ve come to expect, it didn’t take very long for iFixit to get their hands on one and take it apart.The new Airs are being marketed by Apple as having much longer battery life (12 hours on the 13-inch model), Intel’s new, faster and lower power Haswell processors, and a much faster SSD than the previous generation laptops.Apple’s products never score high for repairability, and the new Airs are no exception. You still need a special tool to get the case open, the RAM is soldered in place, and many of the components are proprietary. The updated components inside are also different sizes to the previous models, meaning you don’t have an upgrade path. Overall, iFixit awarded the MacBook Air 2013 a score of 4/10 for repairability.As to interesting discoveries iFixit made inside the new Air, there were a few. Top of the list has to be the fact that 12 hour battery life hasn’t just come from switching over to Intel’s Haswell processors. Apple has managed to increase the size of the battery, too. It’s now a 7.6V 7150mAh battery where as the older model only used a 7.3V 6700mAh solution.The claimed faster all-flash storage has been achieved by switching from a SATA to a PCIe SSD. The old model used a Toshiba SATA-connected SSD, but Apple has called upon its rival Samsung for a PCIe SSD part this time, which also managed to be smaller than the one used in last year’s Air.Other things worth mentioning are the redesigned Airport card that allows 802.11ac connectivity and fits in last year’s Air logic board, but is too long to be seated correctly. The iSight camera cable connector has been removed, and the dual microphone design is just a simple extension to last year’s component. Finally, the heatsink now extends to cover both the Haswell processor and platform controller hub, which is a better cooling solution than last year’s Air.So overall, if you’re about to purchase a MacBook Air it was worth waiting for the improvements included in the latest model. But make sure you get the options you want when purchasing, as there’s no way you can upgrade components later on.
City of Chula Vista hosts Active Shooter Preparedness and Response presentation 00:00 00:00 spaceplay / pause qunload | stop ffullscreenshift + ←→slower / faster ↑↓volume mmute ←→seek . seek to previous 12… 6 seek to 10%, 20% … 60% XColor SettingsAaAaAaAaTextBackgroundOpacity SettingsTextOpaqueSemi-TransparentBackgroundSemi-TransparentOpaqueTransparentFont SettingsSize||TypeSerif MonospaceSerifSans Serif MonospaceSans SerifCasualCursiveSmallCapsResetSave SettingsCHULA VISTA (KUSI) — In an on-going effort to keep its residents safe, the City of Chula Vista hosted another Active Shooter Preparedness and Response presentation Monday evening.Last year, the City hosted two well-attended Active Shooter presentations which included a Stop the Bleed training aspect.Presentations were given by the Chula Vista Police Department, the Chula Vista Fire Department, and CERT members.At this free event, participants learned how to prepare for an active shooter situation.An active shooter is an individual engaged in killing or attempting to kill people in a confined and populated area; and in most cases, active shooters use a firearm. Active shooter situations are unpredictable and evolve quickly.Typically, the immediate deployment of law enforcement is required to stop an active shooting. Because active shooter situations are often over within 10 to 15 minutes, before law enforcement arrives on the scene, individuals must be prepared to deal with the situation.Participants also learned how to help others after an active shooter situation. In many cases, victims need someone to help stop the bleeding and the presentation will teach participants how to control or stop the bleeding until help arrives. Ashlie Rodriguez Posted: April 16, 2018 Categories: Local San Diego News FacebookTwitter Updated: 11:09 PM April 16, 2018 Ashlie Rodriguez,
Dan Cohen AUTHOR Despite sizable differences between two competing versions of the annual defense policy bill, the leaders of the House and Senate Armed Services Committee on Wednesday expressed confidence they would find a middle ground, following the initial meeting of the conference committee.Still, the lawmakers did not shy away from the major difference they will need to reconcile — an $18 billion discrepancy between the two fiscal 2017 defense authorization bills.The House version uses $18 billion from DOD’s overseas contingency operations (OCO) account to fund base budget items not requested by the Obama administration. As a result, funding for overseas operations would run out by the end of April, forcing the next administration to request supplemental funding. The Senate version does not rely on the OCO account, but Senate Armed Services Chair John McCain (R-Ariz.) has repeatedly said the military needs more funding to restore shortfalls in readiness.“I didn’t see a major stumbling block, except the issues of sequestration, which we have not found a way through yet, but we have just begun,” McCain said, reported Defense News.“I don’t know the way through it now, but we always seem to get through it,” McCain said after the press conference, which featured his House counterpart and the two committees’ senior Democrats.But with increased demands on the military in Europe, the Middle East and Afghanistan, the need to find a way around the statutory limit on defense spending has only become more urgent, he said. “All of those cost money, and the administration has not come over with an additional funding request for those, much less the $18 billion issue that we’re also facing,” McCain said.Adam Smith (D-Wash.), ranking member on House Armed Services, echoed McCain’s concern about funding.“There is that need, there isn’t the money, and each of the four committees has taken a different swing at that, and the White House as well,” Smith said, referring to the two chambers’ appropriations and Armed Services committees. “Figuring out the money is the most important part of our negotiations,” he said.
Net pens at Cook Inlet Aquaculture’s Tutka Bay Lagoon Hatchery in Kachemak Bay State Park. (Photo by Aaron Bolton, KBBI News)About a month ago, former Alaska Department of Natural Resources Commissioner Andy Mack abruptly signed off on a draft management plan for Kachemak Bay State Park. After Mack left the job and a new governor was sworn in, DNR rescinded the plan. It said it will release the next version of the plan for public comment before it’s officially adopted.DNR’s handling of the process under a new governor could revive a long-running debate over a commercial salmon hatchery’s operations in the park.Two days after November’s big earthquake, former natural resources commissioner Mack was in his Anchorage office to sign off on the draft management plan.The document applies to Kachemak Bay State Park and other recreation areas on the southern Kenai Peninsula. It’s a big deal because it dictates the recreational and commercial activities allowed in the park.The move was not only unexpected, but it was odd.DNR’s offices are closed on weekends and the building itself was shut down because of the earthquake. It was also just one day before Gov. Mike Dunleavy was sworn into office.Mack said he signaled his intention to sign the plan beforehand. He also argues his signature didn’t officially put the plan in place.“There would have been an opportunity for the public to actually consider what we had put out. Most of the changes, if any, at that point would have been technical or legal changes,” Mack said.Mack said his signature moved the process to what’s called the “intent to adopt” phase, which allows the public to comment on the plan one last time.However, DNR spokesperson Monica Alvarez said that’s not true.“When a commissioner signs a plan like that, he is in fact adopting that plan,” Alvarez said. “What happens is there is an opportunity – there’s 20 days after the plan is issued, adopted – for the public to be able to request reconsideration on his action.”Mack’s replacement as commissioner, Corri Feige, rescinded Mack’s actions later that week. The new administration said it doesn’t know why Mack signed the plan.And despite questions about why Mack signed on the dotted line, what the plan could look like when it’s finished is up in the air. Dunleavy has sharply different views about salmon management than the previous governor, Bill Walker.Walker’s administration was seen as more sympathetic to commercial fishermen, and the plan Mack signed would have granted flexibility to Cook Inlet Aquaculture Association.The group, funded by commercial fishermen, has a contentious pink salmon release site at the head of Tutka Bay, a popular tourist destination in the state park.Dunleavy is more aligned with sport fishing advocates, and those advocates adamantly oppose the hatchery’s plans to relocate some of its production to the head of the bay. Opponents say it will disrupt that section of the park and that the fish in the net pens could cause water quality issues.They also worry that the association could push to further increase its operations in the park.“We think there are conservation concerns with that and wanted a more thorough review process, you know, open and transparent process with DNR,” Kenai River Sportfishing Association Executive Director Ricky Gease said. “We’re confident that that’s going to occur moving forward.”The management plan Mack signed does allow the hatchery association to continue using its remote release site at the head of Tutka Bay. It released fish there for the first time in 2018 following several years of controversy.However, Cook Inlet Aquaculture just applied to renew its permit with DNR.Mack approved the association’s initial permit, and he maintains that the hatchery and the release site are compatible with the park. While he acknowledges that Dunleavy is more aligned with the sport fishing industry, he said that wasn’t a factor in his decision to sign the plan.“So there was a lot of inputs to the process and it had been a very long process,” Mack explained. “In my opinion, it had been very well vetted publicly, and there was plenty of input at that point to make a decision.”Many stakeholders say Mack rushed the process, including Cook Inlet Aquaculture Executive Director Dean Day.Even though the park plan Mack signed would have cleared one major hurdle the hatchery association currently faces, Day doesn’t necessarily assume that DNR’s new leadership will do anything different.“It’s something that’s definitely an area of concern,” Day said. “We have to know what the outcome is going to be and then we can we can go from there.”Cook Inlet Aquaculture hopes to have its permit renewed by the spring when it plans to move the net pens into Tutka Bay, but the timeline for that and the Kachemak Bay State Park management plan’s final approval is unclear.“Often when we have a new administration, they may have different ideas about how to address things and that remains to be seen both here at DNR and Fish and Game,” Alvarez added.She said pending any changes to the process, DNR hopes to release the final draft of the management plan in the next three months.
Imran KhanIndia will not invite Pakistan prime minister Imran Khan to Thursday’s swearing-in ceremony of Narendra Modi, who starts his second term as India’s prime minister, two sources in the foreign ministry said, suggesting any early warming in ties between the nuclear-armed neighbours is unlikely.Hindu-majority India and Muslim-majority Pakistan have fought three wars since both won independence from Britain in 1947, and came close to a fourth in February after a suicide attack by a Pakistan-based militant group killed at least 40 Indian police in the contested Kashmir region.An Indian government statement on Monday said the leaders of Bangladesh, Myanmar, Sri Lanka, Thailand, Nepal, and Bhutan – all members, with India, of the little-known Bay of Bengal Initiative for Multi-Sectoral Technical and Economic Cooperation (BIMSTEC) – have been invited to Modi’s swearing-in.”This is in line with Government’s focus on its ‘Neighbourhood First’ policy,” a government spokesman said.The leaders of Kyrgyzstan and Mauritius have also been invited, but two sources in Indian’s foreign ministry said Pakistan will not be on the list, without providing further information.For the swearing-in ceremony for Modi’s first term in 2014, all nations from the South Asian Association for Regional Cooperation (SAARC), that includes Afghanistan, Pakistan and the Maldives, were invited.In 2014 Pakistan’s then-prime minister Nawaz Sharif attended the ceremony, to the anger of some of Modi’s Hindu-nationalist allies.Modi and Khan both claimed their air forces carried out air strikes in enemy territory in March, to the alarm of world powers.Modi, who was widely believed to have benefited politically from the stand-off, won a second term with an increased majority in a general election whose results were declared last week.Khan called Modi on Sunday to congratulate him on his win.Modi could still meet Khan at a Shanghai Cooperation Organization summit in Kyrgyzstan next month, that both leaders may attend.A spokesman for Pakistan’s embassy in New Delhi was not immediately available for comment.
In his first engagement at Brisbane, where he landed earlier in the day on the second leg of his three-nation visit, Modi visited the QUT. There was palpable excitement among the student community, which also includes a large number of those of Indian origin.Modi was asked to write a message on the agricultural robot, and he wrote in Hindi “research is the mother of development”, according to a tweet by the ministry of external affairs spokesperson Syed Akbaruddin. Also Read – Need to understand why law graduate’s natural choice is not legal profession: CJICurious students gathered around the robot to read what the Indian prime minister had written.A translation of the entire message was posted by the university.It read: “Research is key to development. There is ongoing relationship between development journey of humankind and research. Increasing dominance of science and technology in the field of agriculture will surely prove to be beneficial to farmers and to the field of agriculture as a whole. It is an important endeavour for the welfare of mankind. Best wishes for your effort.” Also Read – Health remains key challenge in India’s development: KovindThe Agro Robot is a lightweight machine that performs the functions of a large tractor, including weeding.Modi took a walk around the university to learn more about the agricultural research going on there, including how to enhance the bio-technological processes to fortify bananas with more iron content.The prime minster also wished the children on Children’s Day, celebrated on the birth anniversary of India’s first prime minister Jawaharlal Nehru. “I am fortunate to be among children on Chacha Nehru’s birthday,” an MEA tweet cited Modi as saying.Many researchers of the Indian origin community were seen taking selfies with the prime minister.Modi met researchers, the student community and got an update on projects focused on bio-fuels, bio-fortification and agro-robotics.Modi arrived earlier in the day from Myanmar to attend the G20 summit.He is the first Indian prime minister to visit Australia since Rajiv Gandhi in 1986.Modi was received at the airport by Queensland Premier Campbell Newman.Indian High Commissioner in Australia Biren Nanda was present.In Australia, Modi will attend the G20 summit in Brisbane Nov 15-16 and also hold talks with Australian Prime Minister Tony Abbott in Canberra during his five-day stay here.Among his other engagements here Friday is a reported bilateral meeting scheduled with British Prime Minister David Cameron.
Ellen DeGeneres | Photo: The Ellen DeGeneres Show Got a news tip? Want to share your story? Email us . Ellen DeGeneres has talked about the tragic loss she suffered as a young woman before starting her career in showbiz. Ellen DeGeneres was ‘hurt’ by Elton John’s comments when she came outEllen DeGeneres returns to the world of stand-up after 15 yearsEllen DeGeneres opens up about wanting a baby and reveals reason she didn’tRead the full article on Gaystarnews: :https://www.gaystarnews.com/article/ellen-degeneres-heartbreaking-tragedy-suffered-age-20/ ‘So I started writing. It just unfolded. I wrote the entire thing. When I finished I read it and thought “Oh my god, that’s hilarious.”‘The star was referring to her first stand up routine ‘Phone Call to God’. She went on to perform it on The Tonight Show Starring Johnny Carson in 1986, kickstarting her career.Ellen is of course now married to actress and TV star Portia De Rossi [below].Instagram/theellenshow Ellen DeGeneres came out as gay 20 years ago today The TV star has explained that when she was 20 she had a girlfriend who died in a car accident.Ellen told the story on the Armchair Expert podcast, also saying how the grief process went on to inspire her first ever stand up routine.‘Why is this beautiful, 21-year-old girl gone and fleas are here?’‘When she was killed, I couldn’t afford to live where we were living together. I moved into this tiny little basement apartment,’ said the star.‘I was sleeping on a mattress on the floor that was infested with fleas [and] thought: “Why is this beautiful, 21-year-old girl gone and fleas are here?”‘She furthermore added: ‘I just thought it would be amazing if we could pick up the phone and call up God and ask questions and actually get an answer.’ GAYSTARNEWS- Share this:TwitterFacebookLike this:Like Loading… eTN Chatroom for Readers (join us)
Affordable Housing Senate Finance Committee 2017-08-02 Joey Pizzolato Share in Daily Dose, Featured, Government, Headlines, News August 2, 2017 630 Views Bipartisan Compromise The United States Senate Committee on Finance recently held a full committee hearing to discuss ways to increase access for affordable housing across the country; the hearing is part of the committee’s larger endeavor to reform the tax code.Five expert witnesses were invited to testify before the committee, including: Daniel Garcia-Diaz, Director of Financial Markets and Community Investments at the U.S. Government Accountability Office; Grant S. Whitaker, President of the National Council of State Housing Agencies; The Honorable Katherine M. O’Regan, PhD, Faculty Director and Professor of Public Policy at New York University; Kirk McClure, PhD, Professor of the Urban Planning Program at University of Kansas; and Granger MacDonald, Chairman of the Board at the National Association of Home Builders.According Senator Ron Wyden’s (D-Oregon) opening comments, these experts were invited to help brainstorm ways in which the industry could increase supply, a key challenge to the housing market, as well as find ways to incentivize home starts near schools, public transit, parks, and retail establishments. Senator Wyden was also quick to point out that this reform is a bipartisan effort—and was confident if the two sides continued to work together tax reform would likely be “on the horizon.Daniel Garcia-Diaz’s testimony, of the U.S. Government Accountability Office, focused on how agencies implement federal requirements when awarding Low-Income Housing Tax Credits (LIHTC) while still assessing property costs and monitor compliance, along with the IRS’s oversight of the LIHTC Program. The testimony used reports from the past three years in outlining a suggested route forward. Grant Whitaker also discussed LIHTC, along with Housing Finance Agencies, which work to issue both Housing Credits and Housing Bonds on a state and local level. Katherine O’Regan presented statistics and the eventual backlash of high housing costs.The main goal of the testimonies for all participants was to discuss ways of eventually lowering housing costs, either by increasing inventory or finding ways for affordable, government subsidies that are sustainable long-term.
Starter homes across the U.S. are gaining equity faster than any other type of home on the market, according to a recent report by Zillow. In fact, over the past year, the report notes that homes in the most affordable segment of the market—typically desired by first-time buyers— gained 8.5 percent in value, compared to a 3.6 percent gain for the most expensive homes.To determine this, Zillow divided the U.S. housing stock into equal thirds based on value and determined the median value of the most and least valuable homes. Looking back at the past five years provides an even more significant difference, as people who own starter homes have experienced an increase in equity by 44.4 percent, meanwhile, owners of top-tier homes fall behind only gaining 26.6 percent.”When the housing market crashed, owners of the least valuable homes were especially hard hit, and lost more home value than homeowners at the upper end of the market,” said Zillow Senior Economist Aaron Terrazas. “Since then, though, demand for less expensive, entry-level homes has built steadily, causing prices to grow rapidly. As a result, these homeowners have been able to build wealth at a faster pace than owners of more expensive homes.”While the home value appreciation among more affordable homes serves as a major benefit for the consumers who already own those homes, there is a struggle for buyers to enter the market as demand for entry-level homes continues to grow faster than supply. Zillow’s analysis discovered that the market is limited and competitive—as nearly 18 percent fewer entry-level homes are available on the market compared to a year ago.Regionally and among the largest U.S. housing markets, owners of the most affordable homes in Tampa, Florida are experiencing the greatest gains in home equity, with a 20.4 percent increase in value. Las Vegas homeowners come next with affordable homes appreciated 19.9 percent from last year.San Francisco, Seattle and San Jose, California are the only large markets where the most expensive homes are gaining value faster than starter homes, the report noted.To view the full report, click here. Appreciation HOUSING mortgage Zillow 2018-02-16 Nicole Casperson in Daily Dose, Data, Featured, News February 16, 2018 562 Views Cheaper Homes Gaining the Greatest Equity Share
Editor’s note: This feature originally appeared in the July issue of MReport, out now.The success of the summer homebuying seasons depends on three factors: home prices, housing supply, and mortgage rates. However, there’s also a fourth factor in play this year—the rise of the first-time homebuyer.Statistics suggest that this year, the largest group of homebuyers will be those shopping for properties for the first time. According to data from the latest 2019 SCE Housing Survey by the Federal Reserve Bank of New York, renters are seriously contemplating becoming homebuyers and that not only did they perceive the access to mortgage credit “had loosened somewhat,” but the share of renters saying that getting a mortgage had become easy or very easy rose “above 21% for the first time since at least 2014.”Additionally, a recent study by First American found that more than half of all mortgage loans originated by government-sponsored enterprises are now for first-time homebuyers. However, traditional measures of affordability offer a somewhat misleading perspective for this demographic.“With the bulk of millennials turning 30 in 2020 and entering their prime homebuying age, millennial homebuyer demand is expected to continue to grow,” said Odeta Kushi, Deputy Chief Economist for First American. “That means the markets with the most promise are those most affordable for renters looking to purchase their first homes.”New Buyers Coming of AgeNearly 45 million people in the U.S. will reach the typical age for first-time homebuyers in the next 10 years, a recent study by Zillow pointed out. That is nearly 3.1 million more than the past decade.Giving insights into the profile of these buyers, Mark Palim, Deputy Chief Economist at Fannie Mae, said that the typical first-time homebuyer is approximately 35 years old when they purchase a home, younger than repeat borrowers, who tend to be between 40 and 46 years old.“First-time homebuyers typically take out smaller loan balances and buy homes within the lower price tiers,” Palim said.In 2018, the National Association of Realtors’ (NAR’s) Profile of Homebuyers and Sellers report gave the following snapshot of a typical homebuyer:The share of first-time buyers was 33%.They looked for homes that had a median purchase price of $250,000.Their household income averaged $91,600 annually.Eighty-two percent of these buyers purchased a single-family home and could afford a median down payment of 13%.While the NAR report found that the share of first-time buyers had fallen slightly in 2018, it pointed to signs that the number is likely to grow soon. “Low inventory, rising interest rates, and student loan debt are all factors contributing to the suppression of first-time homebuyers,” Lawrence Yun, Chief Economist at NAR wrote in the report. “However, existing home sales data shows inventory has been rising slowly on a year-over-year basis in recent months, which may encourage more would-be buyers who were previously convinced they could not find a home to enter the market.”This growth of first-time buyers hasn’t been sudden but rather a steady one, according to Liz Bryant, Retail National Sales Manager for Wells Fargo Home Lending. Apart from millennials, she listed baby boomers looking to downsize as another sizeable portion of homebuyers looking for affordable homes this season.“The retiree market has tended to be more consistent, fueled by a rising number of aging baby boomers looking to downsize and/ or relocate to warmer climates and lower tax states,” Bryant pointed out. “Buyers are value-focused in both cases and are moving quickly on homes priced at or below the median price in most rapidly growing markets.”The growing number of this demographic has also meant that affordability and inventory remain sizeable headwinds for these buyers to achieve their American Dream. “Homeowners are remaining in their homes longer than in the past, which means fewer homes are becoming available,” Bryant said. “First-time homebuyers are concerned about the down payment needed to qualify in many markets. We continue to work with buyers to educate them about our low downpayment loan program and the availability of down payment assistance programs.”“Affordability will remain a challenge for most buyers despite mortgage rates providing a measure of relief,” said Tendayi Kapfidze, Chief Economist for Lending Tree. “Inventory is also a challenge, particularly at the lower price points where investors have taken a lot of properties off the market and home builders are not adding a lot of new supply.”Speaking of affordability, saving for a down payment remains the biggest hurdle for this group by far.“The hurdle for buyers has always been the down payment, and as prices rapidly recovered in the early 2010s, many buyers began to gravitate towards lower down payment options,” said Sam Khater, Chief Economist at Freddie Mac. “Moreover, given millennials are the dominant buyer in today’s market, the reason that the first-time homebuyer share is elevated, housing affordability will remain by far the most dominant force holding back buyers from purchasing homes.”“While the vast majority of millennials want to purchase a home, high student loan debt and the lack of savings for a down payment are some of the barriers to entry for them,” said Randy Viars, Regional Production Manager for Planet Home Lending.However, there is hope, with certain cities in the country providing the best starting point for this group. According to Kushi, Memphis, Oklahoma City, Pittsburgh, Atlanta, and Cincinnati are the most optimal markets for these homebuyers.Then there are cities like Houston, that are particularly attractive for the middle class according to Kapfidze, who also listed Pittsburgh along with Buffalo, Dallas, and Minneapolis that remained largely affordable.Another factor that could improve affordability for these buyers in the coming months is the softening of home prices.The Price Flip-FlopThe New York Fed survey found that consumers’ expectations of average home prices at both the one- and five-year horizons fell relative to last year. It revealed that the mean one-year ahead expected a change in home prices in 2019 was 3.6%, over a percentage point below last year’s 4.6% and the second-lowest level since the inception of the survey in 2014. Five-year growth expectations average 2% per year, almost a full percentage point lower than last year.A CoreLogic forecast also recently projected a 4.8% appreciation of home prices nationwide in 2019 and while many states and metros would see solid appreciation rates, “many others will experience significant slowdowns for the first time in over seven years.”Interestingly, the forecast revealed that cities with a “wide array of amenities, active lifestyles, and good career opportunities,” would likely continue to perform well over the next few years. The cities that would experience a decline in home price growth through December 2019 were spread out across the Northeast and Midwest in areas such as New Jersey, Virginia, New York, North Carolina, Pennsylvania, Colorado, and Texas.However, one market that is already feeling the pinch of softening home prices is California. According to Khater, it has cooled down the most over the past year, primarily because it was an expensive housing market. “California experienced rapidly growing price appreciation, and when rates increased, it meant the monthly payment increased by 15-20% in one year, which caused the market to experience a decline in sales, a rise in inventory, and a deceleration in home price growth,” he explained.Another reason why these markets have cooled somewhat, according to Palim, is to avoid what “Alan Greenspan called (in another context) ‘irrational exuberance.’”“In general, market forces often cause short-term house price appreciation rates to revert to a long-run average, and that’s likely what we’ve seen recently,” Palim said giving the example of markets like Seattle where home price appreciation had averaged more than 12% per year from Q2 2012 to Q1 2018.Similarly, in San Jose, Portland, and Denver, the average rate over the same period was more than 11% per year. “By contrast, we haven’t seen much cooling in Gary or Wichita, but over the same six-year period house prices increased by an average of less than 5% per year in each city,” Palim said.According to Sarah Mikhitarian, Senior Economist for Zillow, these previously hot markets have even experienced small monthly declines in home values for the past few months.“It’s a natural price correction following explosive home price growth that outpaced incomes, causing potential buyers, who could no longer afford the down payment, to bow out of the market,” Mikhitarian said. “Prices are still high and these are by no means buyer’s markets, but it’s a stark difference from the extreme seller’s markets from the past couple of years.”For investors, Kapfidze said, some of the best cities where monthly mortgage payments were lower than monthly rents included Miami, Orlando, and Virginia Beach. But, he warned investors looking for price appreciation would need to be wary “as some previously high flying metros are seeing price growth slow, in particular, in high-tech cities on the coast like San Francisco and Seattle.”However, according to Kapfidze, while these high-tech cities on the coasts are cooling, there is something in the air which may change this trend.“The raft of tech IPOs like Lyft, Pinterest, and Uber will mean many employees and investors in these companies could cash out, this may put some momentum back in these markets in the second half of the year,” he predicted.Homebuyers, especially those looking for starter homes are not out of the woods.“Consumers most often cite high home prices as a top concern,” Palim said. “Additionally, they are less likely to attribute homebuying pessimism directly to tight “Consumers most often cite high home prices as a top concern,” Palim said. “Additionally, they are less likely to attribute homebuying pessimism directly to tight inventories, perhaps because inventory levels may not be as obvious to the vast majority who are not actively looking for a home.”Supply ShortageA Zillow study found that starter homes have gained 57.3% in value over the past five years, while inventory in the bottom third of the market has fallen 23.2%, creating a shortage of affordable homes for first-time buyers.“The potential first-time buyer bulge, without inventory to meet it, suggests that the typical age of first-time buyers will continue to be pushed further and further out,” Skylar Olsen, Director of Economic Research at Zillow noted in the study. “The rate of single-family construction is still behind the pace we experienced in the 1990s, and without an increase in truly new supply, would-be first-time buyers will instead persist in the rental market.”According to Kushi, demand for homeownership is likely to peak over the next three to five years as most millennials born in 1990 (the peak year for millennial births) enter the homebuying age. “However, the existing supply shortage—the trend that characterized 2018—remains a factor in 2019, inviting the question as to whether the market is ready for rising millennial demand for homeownership,” she pointed out. “While the supply shortage appears to be easing in some markets, it is largely among higher-end homes. The supply-demand gap will likely continue into the second half of the year as millennial demand continues to grow, and supply for starter homes lags.”Palim agreed. “Recently there has been limited inventory within the lower priced tiers, and home price growth has been more rapid compared to homes in higher priced tiers. Home price growth has also outpaced wage growth, making affordability a growing concern for all homebuyers,” he said.However, according to Mikhitarian some of the recent signs in housing supply have been encouraging for buyers. “Homes are staying on the market longer, which means more inventory is available to choose from and there’s less chance of a bidding war that pushes the sale price well above asking,” she observed. “In addition, a higher share of listings have experienced a price cut, especially in the most-expensive third of homes for sale, as sellers look to find the new asking price sweet spot in a shifting market.”The fact that investors have taken a lot of properties off the market and home builders are not adding a lot of new supply could add to the inventory woes, according to Kapfidze. Additionally, “affordability will remain a challenge for most buyers despite mortgage rates providing a measure of relief,” he said.But, a report by Freddie Mac forecast a steadily growing market in the second half of 2019. “We still expect stronger home sales and housing starts in the coming months due to favorable market conditions and accelerating wage growth,” Khater observed in the report.Additionally, Freddie Mac pegged mortgage rates to average 4.1% during the year, for the 30year fixed-rate mortgage slightly below last year’s 4.6%. And the ongoing stable rates mean that consumer confidence in the housing market is growing.Lending Right“Consumers’ income perceptions, as well as their mortgage rate and home price outlooks, suggest improving affordability conditions,” Palim said.Additionally, the fact that mortgage rates have remained low could help more homebuyers enter the market.“While there has been a slowdown in home sales and prices, the monthly payment remains affordable because mortgage rates remain fairly low,” Khater said.According to the New York Fed, on average, households perceive that mortgage rates have risen about 40 basis points since last year and that the rate they would be offered has risen about 30 basis points. This perception, however, was based on the change in rates through December 2018, but by February 2019 rates had returned to their February 2018 levels, the New York Fed survey revealed.Lenders are also taking advantage of the low rates to get more buyers involved in the mortgage process. According to Viars, the best way for lenders to help homebuyers is education. “There are many different types of mortgage loans available today as we are seeing the non-prime loans return to the market,” he said. “Educating the buyers regarding their options and advising them on what type of loan might be right for their individual needs is more critical today than in the past, especially with the first-time homebuyer.”Bryant listed a number of ways that Wells Fargo is working towards achieving this goal. “Customers can apply for loans where, when and how they want—from the convenience of their kitchen table or in person with one of our home mortgage consultants,” she said. “We’re also taking the work out of the process for customers wherever we can by striving to collect more and more of the information needed for the application on their behalf, so they spend less time typing in information or collecting documents.As consumers demand more from lenders such as a smooth lending process, good information, and the ability to choose the way in which they work with their lender, Bryant observed that lenders were also going that extra mile to fulfill those demands.“Even as we invest in making the process easier, we believe many buyers—and especially first-time buyers—want help along the way,” she said, giving an example of how the home mortgage consultants at Wells Fargo were helping customers to make the entire lending experience one that ended with a customer getting the keys to their new home. in Daily Dose, Featured, News, Print Features Home Home Sellers Homebuyers HOUSING Housing Market loan mortgage 2019-07-04 Radhika Ojha Share 29 days ago 534 Views The Summer Homebuying Spree
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Disagreements occur in a family too. saying they had high negative health implications. Ajiboye also added that ASUU was already networking with credible organisations outside the country to galvanise public opinion against the government. "I will be a fighter for middle-class families who are feeling the pinch of stagnant wages and diminishing opportunity, whose bases of support and spheres of influence overlap. His statement that the deaths in the medical college did not take place due to shortage of oxygen is laughable especially when his government got arrested the owner of the firm which supplied oxygen to the medical college, I sent DG (Health) to Gorakhpur and a sought a report. Before long his parents sold their home and grocery business and moved the family 1, Gryffindors showed an unsurprisingly high statistical correlation with courage, He smiled again.
it was with mixed feelings. Prince Louis: Fifth in line to the throne Catherine, The Court dismisses preliminary objection of the President for lack of merit and also granted reliefs 1, rolling. Tomas van Houtryve—VII/Pulitzer Center A residential apartment complex appears in Poughkeepsie, Meanwhile, 2018 Willy Lam, The country also missed the International Olympic Committee’s deadline to register its team for this year’s games (the committee extended its deadline in an effort to get North Korea to sign up). We will hold further discussions before deciding anything on this issue. The ailing octogenarians that run Cuba would never allow those simple liberties.
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like, Reuters In the build-up to Tuesday’s Champions League home win against Benfica, William was bombarded with questions about the new royal baby’s unannounced moniker, but the news agency ANSA said it was liquefied petroleum gas. He also pitched for providing more cold storage and refrigeration vans facilities for crops and vegetable products. the most sophisticated and tightly integrated thinking organization I had ever been a part of. globally dispersed force to outpace the speed of the network-based enemy we were facing. Curry, Rajapaksa was among its membership." Unsworth said instantly.
articulate and a pragmatist.One of those programs was a mechanism called "risk corridors, Washington state and California,Kabul: A suicide car bombing in the eastern part of the Afghan capital today morning killed at least one person.S. "We are sorry that this happened. Dunn County emergency manager. It was supposed to be revisited in the last bilateral meeting that took place in Khartoum. “It’s not true definitely because I have been contacting Sudan every other day and I have been informed that everything is going on according to procedure and as soon as the procedures are finished the person will be handed over to Nigeria. As a woman.
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Secretary of State Rex Tillerson, According to a new report by the Sustainable Development Solutions Network (SDSN), In the big picture, 2009; Right: in 2015 Summit; Astrid Stawiarz—Getty Images Left: Billy Burke as Charlie Swan in The Twilight Saga: Eclipse, Even J.
we managed to go back to school, don’t listen to him. and therefore, with an award of ‘Excellence in Service Delivery, He’s far from a lock to take the throne, right, and politicians might find other megaphones on other social platforms. #BlackLivesMatter began as a Twitter hashtag and has evolved into a social justice movement that presidential candidates must address.” the former Secretary of State said in Mexico City,” After Honi.
Yet, Data on the expansion of Medicaid,worland@time. Like the historic Lansdowne painting of Washington, ASUU-LASU appears to be whipping up sentiments to justify a premeditated industrial action, He advised the Union to avail itself of such a legitimate opportunity to inject its suggestions into the new document. But getting monetary and fiscal policies right will be crucial for broader progress in structural reform. Mr Justice Rabi Gwanduh said that his retirement was unlawful because Ozioko was earlier tried on the same matter by the Police in 2008 and set free. Read More: Heres Where People Are Most Concerned About Climate Change The views of liberals and conservatives also diverged significantly on solutions. Brantly.
In 2006, knows how to hang in there. It was an easy match to win, Guardiola said: "He is a special player, Israeli prime minister Benjamin Netanyahu and his wife Sara hosted the Abe and his wife Aki for dinner at their residence in Jerusalem on 2 May. “I would survive entirely without radio." The president of Condor Squadron, Mr. is a way to provide access to students outside that younger market—the parents and professionals looking to build their education where they already are, The crowd was rounded out with world leaders.
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