Four Direct Ways to Impact Housing Affordability

first_img The Best Markets For Residential Property Investors 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 in Daily Dose, Featured, Government, News Demand Propels Home Prices Upward 2 days ago  Print This Post Home / Daily Dose / Four Direct Ways to Impact Housing Affordability Share Save Related Articles Krista Franks Brock is a professional writer and editor who has covered the mortgage banking and default servicing sectors since 2011. Previously, she served as managing editor of DS News and Southern Distinction, a regional lifestyle publication. Her work has appeared in a variety of print and online publications, including Consumers Digest, Dallas Style and Design, DS News and, MReport and She holds degrees in journalism and art from the University of Georgia. Data Provider Black Knight to Acquire Top of Mind 2 days ago Previous: The Changing Face of Default Servicing Litigation Next: What’s Keeping Millennial Renters from Owning a Home? Demand Propels Home Prices Upward 2 days ago Four Direct Ways to Impact Housing Affordabilitycenter_img August 7, 2018 1,691 Views Servicers Navigate the Post-Pandemic World 2 days ago Affordability brookings institution Buyers default Demand Homeowners Homes HOUSING Land Property Supply Tax Urban Blight Vacancies Zoning 2018-08-07 Krista Franks Brock The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Tagged with: Affordability brookings institution Buyers default Demand Homeowners Homes HOUSING Land Property Supply Tax Urban Blight Vacancies Zoning About Author: Krista Franks Brock Data Provider Black Knight to Acquire Top of Mind 2 days ago This year, proposals have begun making their way to Congress aimed at helping ease the tight supply and rising prices that are preventing many—particularly low-income Americans—from finding affordable housing. However, Jenny Schuetz, a David M. Rubenstein Fellow at the Metropolitan Policy Program at the Brookings Institution, called the proposals thus far “mostly partial fixes that do not address the underlying problems in the U.S. housing markets and policies.” She made her own recommendations on how federal, state, and local governments can “improve the affordability, availability, and equity of housing outcomes for U.S. families,” in a recent post on Brookings’ blog, The Avenue.Her recommendations include four major themes. First, “level the playing field between renters and owners;” second, “stop strangling supply in high-demand locations;” third, “help poor families bridge the gap between income and rent;” and fourth “housing policies alone cannot save places harmed by past policy failures.” In terms of “leveling the playing field,” Schuetz said, “A key part of leveling the playing field is eliminating preferences for homeownership in the federal tax code, namely the mortgage interest deduction and the capital gains exclusions for owner-occupied housing.” She pointed out that the 2017 Tax Cuts and Jobs Act “moved in this direction.” She said current laws that incentivize homeownership were “unfair and economically inefficient.” These laws penalized millennials who were delaying homeownership longer than generations past as well as people who lived in areas where home prices were leveling off or declining. Schuetz suggested cities revise land use regulation and development processes that make it more difficult for multifamily development than for single-family home development. Similarly, she called for revisions to zoning laws in order to help bring more supply to competitive markets. Referencing California and the Northeast, she said some markets are “artificially constrained by excessive local land use regulation.” While these zoning laws can benefit current homeowners in these markets by inflating their home prices, she said the excessive zoning ultimately detracts from economic growth. She called out Sen. Cory Booker’s (D-New Jersey) proposed Affirmatively Furthering Fair Housing rule, which charges communities that receive Community Development Block Grants with creating “a strategy to support inclusive zoning policies,” saying California “already requires localities to specify a plan ‘to meet the housing needs of everyone in their community’ in their comprehensive plan, yet those same localities continue to underprovide housing.” While the first two themes Schuetz addresses will help middle-class households, she also addresses those in the lowest income rungs. Only one in five families eligible to receive federal housing assistance actually receive assistance. For these families, the “most direct solution” is housing vouchers, an earned income tax credit, or a refundable tax credit. Lastly, Schuetz suggested for the communities suffering from high vacancies and blight caused by past policies, future housing policies may not be enough. “Rather it will take sustained investments in human capital, infrastructure, and targeted economic development strategies to help people in these communities,” she said. Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago Subscribelast_img read more

“Code Blue” in Effect in Cold Weather

first_imgA Code Blue advisory is issued when frigid weather poses a danger to the homeless population. The Cape May County Office of Emergency Management advises that all municipalities in Cape May County will be under a “Code Blue” severe weather advisory from 6 p.m. Tuesday to 6 a.m. Wednesday.Code Blue conditions are in effect when the temperature reaches 25 degrees with clear skies or 32 degrees with precipitation.A Code Blue emergency is intended to protect homeless people living outside, on the streets, in parks or poorly insulated settings and who are at risk for cold-related exposure and possible death.People seeking shelter in a warming center should contact their local municipality. Additional resources are available by calling the county homeless hotline at 609-886-1325 or after hours at 1-877-886-1325.Additional information regarding Code Blue conditions can be found on the Cape May County Social Services website at read more

Saint Mary’s to hold walk for hungry

first_imgThis event is another way to CAT is working to bridge the gap between Saint Mary’s and the community.  “It is a great way to bring food insecurity to the forefront during the Easter season, and provides support for a local food pantry — Little Flower Food Pantry — that is always in need,” Critchlow said.  The walk will benefit the Little Flower Catholic Church Food Pantry.   Saint Mary’s students, faculty and staff and the South Bend community will come together Sunday to walk for the hungry during the Yes We Can! Walk 2010. It will be held at 2 p.m. Sunday, and will start at Saint Mary’s Student Center, head to the Grotto at Notre Dame and then end back at the Student Center. It will happen, “rain or shine,” and “children and dogs — on leashes — are welcome,” said Olivia Critchlow, assistant director of the Office of Civic and Social Engagement (OCSE) and coordinator of the event.  Critchlow said events like these help to bring the community and the College closer together. Cost to participate is three cans of food or a $2 donation per person or $5 or three cans/person if you bring a team, Carrie Call, director of OCSE said in an e-mail to the student body.center_img According to Critchlow, the walk is open anyone and people are encouraged to join. Those interested can register online at There will also be a booth in the Student Center Atrium today and tomorrow during lunch and dinner hours.  Even though last year’s event happened to fall on a rainy day, 75 walkers participated, Critchlow said.  “I am hoping that we are able to at reach the same attendance this year, if not exceed that number,” Critchlow said.  The walk was first held last year, and began when the College Academy of Tutoring (CAT) scholars decided to organize an event for the spring that would help connect the College with the greater community, Critchlow said. CAT is an organization of students from the College that began in 2006 to help tutor elementary-age children in need at local elementary schools.  “Events that involve and benefit the South Bend community are great ways to keep the College in touch with the community’s needs and are excellent opportunities for our students to stand in solidarity with the poor,” Critchlow said. last_img read more

FC Bosna Sema to Travel for Preparations in Belgium

first_imgFC Bosna Sema, the Autumn Champion of the Group B Cantonal league, makes preparations for the resume of the second half of the season in Belgium. The selected players will stay in Belgium from 22nd until to 26th February.During this period, Sarajevo team will play two warm-up matches, the opponents will be teams from the Belgian Jupiler League, Mechelen and Standard League.This club was founded at the end of May last year. In early August, they made camp for players where they selected those who believe can lead the team to a higher rank. The number of players currently playing for FK Bosna Sema is 31, and 22 of them travels to Belgium.In the former part of the preparations, Bosna Sema played four warm-up matches and achieved a performance of one victory, one draws and two defeats.The first goal of the club in this season’s placement in a higher rank, so by going to the preparations in Belgium even more show its high ambitions.One of the club’s aim is a placement to a higher rank this season, thus by going to the preparations in Belgium they showed their ambitions even more. (Source: novovrijeme)last_img read more

Last day of Donegal Tile Centre’s massive clearance sale

first_imgDonegal Tile Centre’s massive Warehouse Clearance Sale ends today.Come along and see the fantastic offers in wall and floor tiles both in ceramic and porcelain ranging from € 3.95 per sq yrd and many at less than half price.For top-quality wall and floor Tiles at cash and carry prices come along to Donegal Tile Centre and pick up a real bargain today at Rossview Business Park, just off the Polestar Roundabout, Port Road, Letterkenny. Last day of Donegal Tile Centre’s massive clearance sale was last modified: July 20th, 2019 by StephenShare 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)last_img read more

Canos enjoying Bees loan spell

first_imgSergi Canos has described his loan spell with Brentford as “unbelievable” and praised the club’s style of football.The Spanish midfielder, speaking to parent club Liverpool’s official website, said training with, and playing against, Championship players had developed his game.Canos has made only one start since signing for the Bees in August, but has come off the bench nine times and impressed with his technical abilities.The 18-year-old, who has been training with Liverpool during the international break, said: “To get the chance to play at Championship level is unbelievable.“I also get the opportunity to train with men, and it’s good for me because they like to play football which suits my game.“I’ve been there for three months now and I feel like a new player, which is really good for me.”Follow West London Sport on TwitterFind us on Facebooklast_img read more

Barack Obama on hand for Warriors-Raptors Game 2

first_img“That was … Click here if you’re unable to view the photo gallery on your mobile device. TORONTO — Drake wasn’t the biggest name in the house Sunday. Former President Barack Obama attended Game 2.The former president and the Canadian rapper had a warm exchange before the game.Obama grew up a fan of the Chicago Bulls, the team on which Warriors coach Steve Kerr played for three championship seasons. Obama hosted a White House visit for the Warriors after their 2015 championship.last_img read more

‘SA can drive Africa’: Wolfowitz

first_img20 June 2005New World Bank president Paul Wolfowitz has come out in strong support of South Africa playing a leading economic role in Africa, Business Day reports. He said South African business and the World Bank should form a partnership to boost African development.Speaking in Pretoria after a week-long African trip, Wolfowitz also praised the “new generation” of African leaders for their commitment to tackling corruption.The former US defence secretary met President Thabo Mbeki and South African business leaders over the weekend at the end of a four-nation visit – his first foreign trip as World Bank president – that included stops in Nigeria, Rwanda and Burkina Faso.After the meeting, Wolfowitz told journalists that South African firms were already in position for public-private infrastructure projects in Africa. According to Business Day, South Africa is now the largest source of foreign direct investment in Africa, far outstripping the US, the UK and France.South African companies are involved in construction, mining, financial services, telecommunications and retail on the continent.Wolfowitz’s call for a partnership between South Africa and the bank on the continent is likely to be warmly received by the government, which is increasingly placing the country’s economic interests at the heart of its foreign policy, Business Day reports.Mbeki is also keen to align SA’s economic needs with those of the rest of the continent, and has been at the forefront of efforts to improve governance and boost trade links across Africa.“Clearly in this part of the world if you are looking for private partners, a lot of them will be South African,” Wolfowitz said.According to Business Day, Wolfowitz had lunch on Saturday with a number of prominent business figures, including Lazarus Zim, CEO of Anglo American in SA, Safika group chairman Saki Macozoma, AngloGold Ashanti CEO Bobby Godsell and Transnet CE Maria Ramos.Praise for new African leadershipAccording to News24, Wolfowitz also praised the new generation of African leaders for their commitment to tackling corruption.“I take my hat off to the leaders of Africa, and Mr Mbeki in particular,” he said after his meeting with the President on Saturday.Mbeki removed his deputy, Jacob Zuma, from office last week after the Durban High Court found that a “generally corrupt” relationship had existed between Zuma and his financial adviser, Schabir Shaik.“There is a new [African] leadership now that is taking responsibility to get rid of corruption,” Wolfowitz said. “Africa is on the move.”Wolfowitz’s six-day African trip came just days after the Group of Eight (G8) industrialised countries agreed to write off over US$40-billion (R265-billion) in national debt owed by 18 of the world’s poorest nations.The World Bank chief said he hoped that next month’s G8 summit in Scotland would give added impetus to the region’s development.The appointment of Wolfowitz, a close political ally of US President George W Bush, as World Bank chief was a controversial one. According to the BBC, however, Wolfowitz signalled that he was prepared to put pressure on the US administration to increase aid to Africa.“I’d like to see increased levels of US assistance by whatever means we get there, particularly for Africa,” the BBC quoted Wolfowitz as saying.Wolfowitz also spoke warmly of the people he had met in Burkina Faso, Rwanda, Nigeria and South Africa, saying the more he travelled through Africa, the more he felt a sense of opportunity and a “can-do attitude”.In Rwanda, he told the BBC, a woman who has set up a successful flower-exporting business said to him: “I came here to grow beautiful flowers on the ashes of genocide.”‘Africa is the bank’s first priority’In an interview with the South African Broadcasting Corporation (SABC) in early June, at the start of his African trip, Wolfowitz stressed that the continent was the World Bank’s first priority.“While the bank is a global institution, and there are many priorities for the bank, the first priority has to be Africa,” he said. “Africa needs the bank in a unique way and I think the bank has a unique role to play in Africa.“I think this may be an extraordinary moment in history, where Africa can become a continent of hope, and the bank can play a role in that,” Wolfowitz told the SABC.“I think a message of modern history is – it’s a very small world, it is a single world … Many parts of the world have made progress, and for that matter South Africa is a piece of progress that many of us never thought we’d see in our lifetime – the end of apartheid.“But that Africa as a whole has not progressed in a way other places have is both morally wrong and … not good for the rest of the world.” reporterlast_img read more

Improved maize for Africa

first_imgA field of maize, known in South Africa as mealies, on a farm in the Free  State.(Image: Formore free photos, visit the image library) MEDIA CONTACTS • Daisy can der MerweMedia liaison, ARC+27 12 842-4012RELATED ARTICLES • African farmers land juicy deal• African farmers’ surghum success • Food production up in Africa • SA store shows new ways to farmJanine ErasmusSub-Saharan maize farmers are to benefit from the newly launched Improved Maize for African Soils (Imas) project, which promises new maize varieties that yield up to 50% more.The unforgiving African climate often makes it difficult for farmers, especially subsistence farmers, to earn a sustainable income. Pests, drought, weeds, diseases, and poor soil are just a few of the issues they have to contend with every day.Small-scale farmers also have little or no access to fertiliser and improved seed, and their average maize (Zea mays L.) yields are far below those of farmers in the developed world. This threatens food security for thousands of families.The new public-private scheme, launched earlier in 2010, aims to change this situation. Imas is a multinational partnership led by the El Batán, Mexico-based International Maize and Wheat Improvement Centre (Cimmyt) with funding to the tune of US$19.5-million from the Bill and Melinda Gates Foundation and USAid.Research and development work, seed, training, and infrastructure are provided by other partners in the project, among them the South African Agricultural Research Council, the Kenyan Agricultural Research Institute, and global chemical company Du Pont.Dr Shadrack Moephuli, CEO of the South African organisation, said that the development and application of new knowledge and technology to agriculture is a priority. “We are committed to ensuring that maize varieties that will help resource-poor farmers are developed using the latest technologies available through the Imas global partnership.”South African and Kenyan farmers will be the initial beneficiaries, with other African nations following shortly afterwards.Scarcity of fertiliser“On average, African farmers apply just 20% of the nitrogen needed to help grow vigorous crops,” said Carlman Moyo, Du Pont regional director for sub-Saharan Africa.According to Cimmyt, farmers in South Asia use around 100kg of fertiliser per hectare, compared to African farmers who apply a scant 9kg over the same area. And up to half of this tiny amount is lost because the soil is of such poor quality that the nutrients drain deeper than roots can reach.Fertiliser is used so sparingly, said Moyo, because “high transportation costs due to poor roads and rail systems in their countries results in African farmers often paying as much as six times more than their US and European peers for fertiliser.”But many farmers just can’t afford to buy this essential boost, sorely needed in the African soil which in many regions is depleted from centuries of continuous farming, for their crops. Nitrogen-deficient plants are yellow or pale green, instead of the vibrant green of a healthy plant.Higher yieldsIt is expected that the superior maize varieties developed by Imas will more efficiently use the little fertiliser available to farmers, grow freely even in poor soil, and produce yields of between 30% and 50% more than current varieties.It takes time and much testing before new plant varieties are ready for the market, so the first seeds will probably only be available in around four years. These are expected to deliver a yield improvement of 20%.Further development will see higher-yield maize introduced in nine years. Because the development process involves DNA manipulation and marker techniques, all new varieties must receive regulatory approval in each country before farmers can use them.Imas will waive royalty fees for the new varieties, so they will cost no more than other improved seeds.Main cropSouth Africa’s agricultural sector contributed some R36-billion (US$4.9-billion) to the economy in 2007, with the total value of agricultural produce increasing to R111.8-billion ($15.2-billion) compared to R93.4-billion ($12.7-billion) the previous year.Although commercial farming is a major contributor to the GDP, there is also a substantial subsistence sector comprising thousands of small-scale farmers.Maize is the country’s main crop, and the staple food of millions of people in the Southern African region and elsewhere on the continent.South Africa is the main maize producer in Southern Africa. According to a March 2010 report on the website of the UN Food and Agriculture Organisation (FAO), a near-record maize surplus is expected for the 2010/2011 year, which means that the country will have enjoyed three successive years of above average maize harvests – assuming that this year’s harvest meets expectations.This puts the 2010 harvest at about 8% above the previous year, and a remarkable 31% above the average of the previous five years. The growth is attributed entirely to the increased popularity of white maize.With maize prices having dropped in recent months, the outlook is good for domestic supplies as well as exports. The FAO report said that the exportable maize surplus is estimated at around 3-million tons.A field of maize, known in South Africa as mealies, on a farm in the Eastern Free State. Photo: Graeme Williams, Read more: /index.php?option=com_content&view=article&id=661&Itemid=75#ixzz0lGiCCXjUlast_img read more

Forever Young 3X-Long Light Ash Blonde Number 22TH613 Ladies Fashion Wig – A bit disappointing

first_img Love the color, brilliant length, nice and thick it looks like hair. Well made also a good fit,it will not come off if worn out when windy. Would buy from forever young again nicely priced. Will last for years if taken good care of ( maintain regarly ). Was truly seeking ahead to wearing this wig but the hair saved slipping out and it grew to become really tangled quite simply.Reviews from purchasers :A fantastic wig.WHEN WORN WILL TURN HEADSA bit disappointing The wig is quite lovely and thick, ideal for halloween or special get together.It has a crafted in size adjustor. It is really relaxed and not as well sizzling.Okay for a fancy costume but tough to design and style other than how it currently appears.Here are the specifications for the Forever Young 3X-Long Light Ash Blonde Number 22TH613 Ladies Fashion Wig:Stunning extra long 29 inch wig with a full fringeA beautiful contemporary hairMade of premier Kanekalon synthetic hair so smooth, silky and softIt feels and move like real human hairSuits most face shapes Awesome wig for the price range. It is not a significant high quality wig and the artificial hair is not the tangle cost-free kind, (fairly the reverse) the wig will never endure lengthy as it looses plenty of hair each time it requires styling. But this is to be envisioned in this price variety.I would advocate this wig to anybody on the lookout for a ‘change’ in model, then you can see irrespective of whether lengthy hair fits you.Great thank youprime purchase and amazon locker shipping and delivery definitely appreciatedorder yet again.I brought this wig to use everyday and wow i could not be happier. Every person instructed me how pleasant my hair looks and how did i get it so shiny. You can use a flat iron on it set to a really very low environment just to retain it wanting straight and to de frizz it. I do mine two times a working day when it is really been pretty windy otherwise it truly is just at night when i consider it off so it truly is prepared to go the following day. The colour is so natural looking with highlights running throughout. Overall the wig is manufactured really nicely and you get a wig cap with it. I extra clips to the underside of mine as i keep it on all day but you don’t require them. Great wig for a wonderful value.Good high quality quick services would undoubtedly recommend a++++.Really fast shipping (two doing the job times), well wrapped, arrived with hair internet, guidance and cap. Appears pretty a lot as in the photo, probably a little thicker. Scalp can breath and appears incredibly real looking, particularly soon after styling it myself. It does get tangled quite easily even though, but i am going to test a flat iron on it soon. I preferred to wear it as a joke, simply because my all-natural hair color is very dim, but nobody realised it was a wig and a number of persons questioned me for my hairdresser’s address. :-d lots of compliments and i sense definitely fairly.There are two issues to point out with this wig. To start with, the lighting on the photo helps make the wig show up alot paler than it in fact is so i was a minimal astonished to get the wig and it was a darker colour than initially assumed. Next, it is reduce in this sort of a way to slide forward. The costume i will need it for calls for it to be tied back again in a ponytail and however the sides of the wig do not go down far plenty of in front of my ears to cover my all-natural hair, so i may perhaps have to have to shave a little off my individual just by the ears to get it to function. The fringe is very long, but that is ordinary with these wigs so you can trim them to a length to go well with you if wanted. There are in fact two main colours listed here. The main ash blonde and pale/platinum highlights. The highlights are not refined but they do search wonderful. All that stated, when worn down it does drop quite properly and irrespective of me obtaining a greater head, does seem extremely organic. There is a great deal of precise hair on it and it does not experience flimsy at all.Looks good, a pleasant combine of blondes – it won’t appear like a wig.This wig is just amazing, certainly seems considerably much more pricey than it was, it was intended for the bed room and my partner loves it so significantly, i even wear it for do the job and my friends really like the search, this is the 2nd wig i’ve bought from forever young the other staying a limited bop, company and delivery is superb, really brief arriving, unquestionably invest in far more from them.I obtained it in a blind panic following failing to bleach my hair light plenty of for a cosplay i wasn’t certain on the size, the fashion or the thickness, but i was desperate. Luckily my anxieties that it’s possible i had just impulse-purchased a little something that would not match my wants at all, were quashed. The wig is thick and feels pretty much purely natural – a lot more so than my genuine hair, go figure. The highlights are a good deal more ashy and distinguished than they are in the photo, but due to the fact i just essential a organic-on the lookout blonde hair color, i can ignore that. It pained me to have to minimize it, as it was so pretty how it arrived. On the other hand, to any one pondering of chopping and styling this wig, have no dread. Just a small patience, as it is styled to fall as it is in the image i brushed and brushed it out regularly, needing a second pair of hands to support me maintain the wig in place as i tied it up and produced adjustments. Everyone with working experience chopping serious hair will locate this a breeze, given that the final results are quite a lot just the identical. I utilised soft pastels (artists’ chalk) to dye the ends for my cosplay, and it held astonishingly very well. I imagined that wigs, by default, would be tougher to adhere any supplemental color too, but it truly is like performing with authentic hair. Or at least the future greatest matter, that i know of.Introduced this for an alice in wonderland ballet regime, it was utilised for four performances and appeared awesome, it never moved irrespective of cartwheels and some energetic choreography. It was a wonderful uncover at a ridiculous value for the high-quality.Awesome good quality for the cost, loads of compliments, arrived pretty speedy. I returned just as i didn’t personally like it. I am a larper and this wig is only the greatest wig i could find for my charachter. If there was a entrance-lace, bang considerably less edition of it, i would invest in it. The hair look just finea minimal little bit tangly, but not that significantly to turn out to be a dilemma.Seems excellent, feels amazing, but tangles very uncomplicated. Cant complain much for the reason that on £20. Still much less expensive than blowdry at hairdressers.Outstanding high-quality, practical and it will come with hair web to help hold your hair in location beneath.SummaryReviewer Nathalie DuboisReview Date2018-09-14 14:11:28Reviewed Item Forever Young 3X-Long Light Ash Blonde Number 22TH613 Ladies Fashion WigRating 3.0 / 5  stars, based on  26  reviewsPrice£14.99last_img read more