A BNSF Railway signal team on Friday morning replaced two crossing signals in downtown Vancouver.Crews diverted traffic on West Eighth Street at Harney Street around 8 a.m. Two teams removed old railroad crossing lights and installed new ones to coincide with the new port access project, said Gus Melonas, BNSF Railway spokesman.New lights will also have traffic gates that lower before a train crosses the street.BNSF will shut down the Eighth Street crossing between April 30 and May 4 to replace rail ties and install new rock, new approaches and a new concrete surface, Melonas said.The railway also tore out the Jefferson Street crossing and replaced it in March.“The result is a new crossing,” Melonas said. “It’s smooth. It’s safe and it’s a benefit for the railroad as well as the public.”The two crossings are slated for permanent closure as part of the $44 million waterfront access project. No date has been set as of yet.BNSF Railway is going forward and paying for the improvements at this point because railroad management believes it is necessary for the safety of the crossing, Melonas said. The crossing is frequently used by heavy trucks en route to Pacific Coast Shredding, Albina Fuel and other commercial businesses.Trains will continue to sound their horns at the crossing, even with the additional safety equipment, Melonas said.
In the dispute over the lack of inspections at United Grain Corp., the Port of Vancouver is now coming under sharp criticism from the federal government. In a letter sent Thursday by the U.S. Department of Agriculture, the agency said its safety experts have concluded “that the Port of Vancouver has not been enforcing its rules of conduct” to enable state or federal grain inspectors to safely move through a picketed gate to reach United Grain’s export facility.The letter, written by Lawrence Mitchell, an administrator for the U.S. Agriculture department based in Washington ,D.C., was in response to requests by United Grain to direct federal personnel to take over inspections in the absence of state officials. The U.S. Agriculture department has refused to do so but says it’s reviewing the matter.Citing threats from union pickets, Washington state Department of Agriculture inspectors have refused to enter a gate at the port since July 7. Their refusal has all but shut down the West Coast’s largest grain elevator.A similar labor conflict at the Columbia Grain facility at the Port of Portland has been managed better than at the Port of Vancouver, Mitchell wrote, “and does not present the same safety concerns for the (federal) inspectors” who examine grain in Portland.
Earnings Volkswagen 1 36 Photos More From Roadshow Car Culture Share your voice Volkswagen Peer-to-peer car sharing — Airbnb for cars, essentially — is a relatively new concept, and its biggest proponent right now is Turo. If you’ve thought about joining the service, but weren’t sure what kind of money could or couldn’t be made, Turo now has a tool for that.Turo’s “Carculator” (clever name) is pretty straightforward — plug in a year, make, model and location, and it will spit out your possible potential earnings with an estimate of how often it would be rented out. It calculates this estimate by looking at data from rentals that have already happened, so it’s not just pulling figures from thin air.Enlarge ImageConsidering my station wagon isn’t exactly an objet d’art, I’m not surprised its earnings potential is lower than the examples Turo provided in this image. Turo If the number is hilariously low, perhaps you won’t get much out of renting on Turo, but if you have a highly sought-after car, it might replace your pupils with dollar signs, cartoon-style.As a quick example, I looked up my personal car, a 2016 Volkswagen Golf SportWagen SEL. Detroit wasn’t listed as a location, so I just used the national average. According to that information (with my specific trim selected), my VW could earn $551 per month, which is slightly under my monthly payment. That number is calculated based on a possible $41 in earnings per day spent rented, and the Carculator estimated I’d be able to pawn my wagon off on people about 13 days each month.Of course, that won’t work for me, because the car is tied up in daily commutes every weekday, but when it comes to sports cars and other vehicles that are only used occasionally, it could very well be a solid stream of supplemental income. 2020 Hyundai Palisade review: Posh enough to make Genesis jealous Comment 2020 Kia Telluride review: Kia’s new SUV has big style and bigger value 2018 Volkswagen Golf Sportwagen gushes with value 2020 BMW M340i review: A dash of M makes everything better Tags
$2 million for state mental hospital improvements, which includes funding to plan the construction of new hospitals in the Panhandle and the Dallas area. Share Nearly $2 billion to reimburse school districts, state agencies and universities for costs they took on after Hurricane Harvey Emree Weaver / The Texas TribuneTexas House Appropriations Chairman John Zerwas, R-Richmond, talks with House Speaker Dennis Bonnen on March 27, 2019, as the House took up the budget debate.In Dennis Bonnen’s first major test as speaker of the Texas House, the chamber he oversees resoundingly passed a $251 billion budget Wednesday after a long but largely civil debate — a departure from the dramatics that have typically defined such an affair.Though lawmakers proposed more than 300 amendments to the spending plan, Bonnen, an Angleton Republican, and his chief budget writer, state Rep. John Zerwas, R-Richmond, finished the night with their budget plan largely intact. After 11 hours of relatively cordial discussion, lawmakers agreed to withdraw the vast majority of their amendments or move them to a wish list portion of the budget, where they are highly unlikely to become law.The budget passed unanimously on the final vote. The legislation, House Bill 1, now heads to the Senate, whose Finance Committee was set to discuss its budget plan Thursday.“I’m proud of where we are in the bill that we are sending to the Senate,” Zerwas said at the end of the marathon debate. “Each and every one of you should be incredibly proud of the work that you’ve put in here.”The two-year spending plan’s highlight — a $9 billion boost in state funding for the public education portion of the budget — remained unchanged. Of that, $6 billion would go to school districts, and the remaining $3 billion would pay for property tax relief, contingent on lawmakers passing a school finance reform package.The budget plan would spend $2 billion from the state’s savings account, commonly known as the rainy day fund, which holds more than $11 billion.“I’m not here to compare it to previous sessions,” Bonnen told reporters after the House budget vote. “But I’m here to tell you we had a great tone and tenor tonight, and I’m very proud of the business that we did.”Some of the more contentious budget proposals floated by lawmakers never reached the floor. An amendment from state Rep. Richard Peña Raymond, D-Laredo, for example, would have asked members to vote on the issue of across-the-board pay raises for public school teachers. Such a proposal has divided the Legislature this session, with Lt. Gov. Dan Patrick’s Senate in favor and much of the House opposed. Raymond withdrew his amendment Wednesday evening, saying he planned to bring up the issue again when the House debates its school finance bill.Bob Daemmrich for the Texas TribDebate on HB1, the House state budget bill, continues into its 12th hour as State Rep. Chris Turner, D-Dallas, shows the strain of a long night. March 27, 2019.A proposal from state Rep. Mayes Middleton, R-Wallisville, to prohibit disaster recovery dollars from benefiting noncitizens and “illegal aliens” was quietly withdrawn after sparking controversy earlier this week. Across the aisle, state Rep. Jessica González, D-Dallas, withdrew her amendment that would have required Gov. Greg Abbott’s office to prepare a report on domestic terrorist threats posed by white supremacists.Bonnen worked behind the scenes in the days preceding the vote, House lawmakers said, in the hopes of avoiding the discord that has erupted during the chamber’s marathon budget debates in past sessions. On Tuesday, top lieutenants for Bonnen met for a handful of informal gatherings to offer concessions in exchange for lawmakers dropping some of their more controversial amendments, according to people familiar with the meetings.The result was one of the shortest budget debates in recent memory. Lawmakers gave preliminary approval to the two-year spending plan minutes after the clock struck midnight. Under former House Speaker Joe Straus, lawmakers in 2017 and 2015 went home well into the morning, after several explosive exchanges between Straus’ allies and the chamber’s hardline GOP membership.“This budget night is unlike any other I have experienced in my time in the House — both in it’s shorter duration and civil tone,” said state Rep. Matt Krause, a Fort Worth Republican and Freedom Caucus member, in a text message after the debate concluded. “I think Speaker Bonnen deserves the bulk of the credit for creating an environment of civility and decorum. This is how the Texas House should operate when debating the big issues for the state of Texas.”Miguel Gutierrez Jr./The Texas TribuneRep. Matt Krause, R-Fort Worth, addresses the house floor during budget night at the State Capitol on March 27, 2019. About $1.3 billion to shore up a system that pays out teacher pensions, contingent on the passage of a pension reform bill, which includes $658 million from the state savings account to provide a one-time “13th check” made out to retired teachers This piece was originally published in The Texas Tribune, a nonprofit, nonpartisan media organization that informs Texans — and engages with them — about public policy, politics, government and statewide issues. So while Bonnen’s first budget night as speaker was hardly free of controversy — an argument over the effectiveness of the state’s “Alternatives to Abortion” program, for example, derailed movement on amendments for nearly an hour — the occasional spats paled in comparison with those of years past. There were no discussions at the back microphone of lawmakers’ sexual histories, as happened in 2015, and no one had to physically restrain House members to prevent a fistfight over the fate of a feral hog abatement program, as happened in 2017.Still, state Rep. Jonathan Stickland, R-Bedford, continued his long-running campaign against the feral hog program. And though the exchange ranked among the evening’s rowdiest, it was more than tame by last session’s standards.State Rep. Drew Springer, R-Muenster, again opposed Stickland’s amendment to defund the program, which reimburses local initiatives to eradicate wild hogs. Stickland responded, “Members, although I respect the thoughtful words of Rep. Springer … let’s end this program right here, right now.”Stickland’s amendment failed, with just four votes in favor.In an earlier dustup just before 2 p.m., state Rep. Sarah Davis, R-West University Place, who led the House budget negotiations over health and human services programs, was seen in a heated exchange with state Rep. Jeff Leach, R-Plano.A few minutes later, Leach proposed an amendment that would allow Texas to expand Medicaid coverage for women up to a year after they give birth. To cover some of the costs, Leach’s amendment recommended cutting $15 million from a program in Abbott’s office that reimburses film and video game makers who work in Texas.Extending postpartum Medicaid coverage “is simply more important and should be a higher priority” than the film incentives program, Leach said.Democrats gathered at the back microphone to oppose the motion, saying the funding should come from elsewhere.“I appreciate that you’re trying to help women’s health,” said state Rep. Donna Howard, D-Austin, who said she supported the film incentives as a job-creation program. “If we found another source, would you create another amendment?”“I’m not going to agree to hypotheticals,” Leach replied. The amendment subsequently passed without a recorded vote after putting Democrats in the awkward position of voicing opposition to a Medicaid coverage expansion they otherwise supported.A more ambitious Medicaid coverage expansion, which would have provided publicly funded health insurance to low-income Texans under the Affordable Care Act, failed for a fourth legislative session. The Medicaid expansion amendment brought by state Rep. John Bucy III, D-Austin, was rejected with 66 votes in favor and 80 opposed.Still, Democrats saw some wins Wednesday. For example, an amendment by state Rep. Michelle Beckley, D-Carrollton, that would require the Department of State Health Services to conduct a study on vaccination rates among children at licensed child care facilities was approved in a 79-67 vote. Another successful amendment by state Rep. Chris Turner, D-Grand Prairie, directs the state to come up with a transition plan for when a pot of federal health care safety-net funding, known as the 1115 waiver, dries up in 2021 and 2022.Complicating budget negotiations was news of an updated property tax reform proposal, which was expected to be laid out in committee before the House convened but was instead postponed until after the budget debate. Debate over that updated proposal, which drew opposition from Democrats and hardline Republicans, carried over onto the floor as its author, state Rep. Dustin Burrows, R-Lubbock, met with committee members to discuss the high-priority legislation.The debate on the HB 1 ended with a procedural move spearheaded by Turner and Burrows to wrap up the remaining amendments and send them to the wish list portion of the wish list portion of the budget. That section of the budget, known as Article XI, is considered a graveyard for most line items.Passing an amendment to the wish list is “just a way to get you off the main,” state Rep. Yvonne Davis, D-Dallas, said in protest earlier in the evening, shortly before one of her proposals was shot down.Emree Weaver / The Texas TribuneState Rep. John Zerwas, R-Richmond (right), speaks with Rep. Dennis Paul, R-Houston (left), in the House Chamber on March 27, 2019, the day the House will take up HB1, the 2020-21 budget plan.The two-year budget wasn’t the only spending plan advanced by the House on Wednesday.Lawmakers also approved a $9 billion supplemental spending plan to pay for leftover expenses that aren’t covered in the state’s current two-year budget, mostly for Hurricane Harvey recovery and health and human services programs.A $4.3 billion withdrawal from the state savings account covers the largest share of expenses in the supplemental bill. Another $2.7 billion comes from the state’s general revenue, and $2.3 billion are federal funds.The legislation, Senate Bill 500, returns to the Senate, whose stopgap spending plan approved earlier this month carried a $6 billion price tag.Lawmakers in 2017 underfunded Medicaid, the federal-state health insurance program for the poor and disabled, requiring a $4.4 billion infusion of state and federal funds. The Legislature must pass the stopgap funding bill before the end of May if the Texas Health and Human Services Commission is to be able to pay health care providers on time.The supplemental bill also includes: Nearly $11 million for the Santa Fe Independent School District, which experienced a mass shooting last year that left 10 dead and 13 wounded
“Normally,” Stephenson continues, “voltage is applied to change the internal structure in ferroelectric materials. You can turn the crystal upside down from the internal point of view. We have shown, I think for the first time, that this can also be done chemically by changing the chemistry of the environment.” The results of the work, which includes scientists from Northern Illinois University and the University of Pennsylvania as well as Argonne, can be found in Physical Review Letters: “Reversible Chemical Switching of a Ferroelectric Film.”In order to test the process of chemical switching by changing the environment of the ferroelectric film, Stephenson and his colleagues varied the oxygen partial pressure. In situ x-ray scattering was used to “see” the changes in the polarization of the material. The specific ferroelectric material used for the experiment was lead titanate (PbTiO3). The group found that changing the oxygen pressure switched the polarization of the PbTiO3 film in much the same way as the conventional practice of using electrodes and voltage.The use of x-rays is important, since it allows scientists a peek at what is actually happening inside these materials. “The challenge has been to measure what is going on,” Stephenson admits. “With these thin films, external voltage measurements become more ambiguous. With our x-ray technique, we are able to watch the atomic-scale structure inside these systems.”“Up until now,” he continues, “we didn’t really think that the environment these ferroelectric materials were in could be just as important as the voltage applied. Fundamentally, we didn’t realize that extra oxygen or missing oxygen at the surface could produce an electric field big enough to affect properties.”This knowledge will become more important, Stephenson explains, as the demand for smaller devices made from new materials increases. Infrared and terahertz technology, controllable catalysts and chemistry applications on chips represent some of the areas that might benefit from a better knowledge of how switching works with PbTiO3 films. “Already there are ferroelectric materials used for non-volatile computer memory devices,” Stephenson points out. “But the holy grail of these is a memory element the size of an atom. As films get thinner, understanding the interfacial properties of these materials makes a difference. If the chemistry of the environment can change the polarization, we need to harness this to create new types of devices.”“The big picture is that we are trying to create new functional materials with interesting properties. We want to understand the way interfaces between different materials work. Ferroelectrics provide a model system where we can produce and measure large effects of the electric fields from the interfaces.”Additional information: Wang, et. al. “Reversible Chemical Switching of a Ferroelectric Film.” Physical Review Letters (2008). Available online: link.aps.org/doi/10.1103/PhysRevLett.102.047601 Copyright 2009 PhysOrg.com. All rights reserved. This material may not be published, broadcast, rewritten or redistributed in whole or part without the express written permission of PhysOrg.com. SLAC makes ‘electron camera,’ a world-class tool for ultrafast science, available to scientists worldwide Citation: Shocking: Environmental chemistry affects ferroelectric film polarity the same way electric voltage does (2009, February 2) retrieved 18 August 2019 from https://phys.org/news/2009-02-environmental-chemistry-affects-ferroelectric-polarity.html This document is subject to copyright. Apart from any fair dealing for the purpose of private study or research, no part may be reproduced without the written permission. The content is provided for information purposes only. (PhysOrg.com) — “Ferroelectric materials are interesting scientifically, and, while they are used for some things now, they are potentially useful for even more applications in the future,” Brian Stephenson tells PhysOrg.com. Stephenson is a scientist at Argonne National Laboratory in Argonne, Illinois. He has been working on a project to study chemical switching in a ferroelectric film. Explore further
Attend this free webinar and learn how you can maximize efficiency while getting the most critical things done right. December 18, 2015 Free Webinar | Sept 5: Tips and Tools for Making Progress Toward Important Goals The U.S. Department of Justice is pursuing a criminal investigation of a May 2014 data breach at ride service Uber, including an examination of whether any employees at competitor Lyft were involved in the episode, sources familiar with the situation said.Earlier this year, Uber revealed that as many as 50,000 of its drivers’ names and their license numbers had been improperly downloaded. An investigation by Uber determined that an Internet address potentially associated with the breach can be traced to Lyft’s technology chief, Chris Lambert, Reuters reported in October.Department of Justice spokesman Abraham Simmons said on Wednesday he could not confirm or deny a criminal probe. No one has been accused of any wrongdoing, and it is unclear whether anyone will ultimately be charged in connection with the breach.A recently hired attorney for Lambert, former federal prosecutor Miles Ehrlich, said Lambert “had nothing to do” with the breach.”Given that Uber apparently lost driver data, a law enforcement investigation is to be expected,” Ehrlich said. “And the benefit is that the culprit here is going to be identified – and that’s going to remove Chris’ name from any conversation about Uber’s data breach, as it should.”In a statement on Friday, Lyft said “we have not been contacted by the DOJ, U.S. Attorney’s office or any other state or federal government agency regarding any investigation.”Uber declined to comment. The people familiar with the matter could not be named because they were not authorized to speak publicly.Search for hackerLyft is much smaller than Uber, which operates in more than 300 cities in 67 countries and has raised $7.4 billion from investors. The companies, based in San Francisco, compete fiercely for drivers and customers.Uber learned last year that someone downloaded its driver database, which should have been accessible only with a digital security key. A search for that key turned up a copy on the code-development site GitHub, where it had been left by mistake.Uber then obtained information from GitHub about who had connected to that page before the breach and found only one Internet Protocol address that did not belong to an Uber user or have another plausible explanation, according to court documents. Uber filed a civil lawsuit in San Francisco federal court in February in an attempt to unmask the perpetrator. The company’s court papers claim that an unidentified person using a Comcast IP address had access to the security key.On its own, Uber investigated that address and determined that it had been assigned to Lambert, Reuters reported in October.A U.S. judge ruled that Uber could further probe the IP address, saying it was “reasonably likely” that such an inquiry could help identify the hacker. That ruling is on hold pending an appeal.Sworn statementAttorneys for the unnamed Comcast subscriber have pointed out in court that the data breach was conducted from a different IP address than the Comcast address that accessed the security key. Lyft said that Uber allowed the key for the database “to be publicly accessible for months before and after the breach.”The IP address the hacker used is associated with Anonine, a virtual private network service based in Sweden that is known for vigorously protecting the privacy of its users, two people familiar with the situation told Reuters.Ehrlich said Lambert offered to provide Uber with a sworn statement that he had nothing to do with the breach, made under penalty of perjury.Lambert signed the statement over the summer, a separate source familiar with the situation said. In it, Lambert also said he was not aware of anyone who has copies of Uber’s database, and that he did not instruct anyone to access it, the source said.However, Lyft and Ehrlich declined to confirm or deny that Lambert’s Comcast address connected to the GitHub page containing the key. They also declined to give details about Lyft’s internal investigation of the matter.Lyft reiterated on Friday that it investigated the matter “long ago” and concluded “there is no evidence that any Lyft employee, including Chris, downloaded the Uber driver information or database, or had anything to do with Uber’s May 2014 data breach.”Uber’s lawsuit alleges the hacker violated civil provisions of the federal Computer Fraud and Abuse Act, as well as a similar California law. It is unclear if the leaked driver information was ever used by the hacker or anyone else.(Editing by Jonathan Weber and Matthew Lewis) 4 min read This story originally appeared on Reuters Register Now »
“The rise in preference for minimal invasive surgeries (MIS) over open surgeries has fueled the demand for laparoscopic procedures. In addition, technologically advanced laparoscopy devices supplement the market growth.” Worldwide Laparoscopy Devices Market Report, published by Allied Market Research, forecasts that the global market was valued at $9,350 million in 2015 and is expected to garner $14,046 million by 2022, registering a CAGR of 5.8% during the forecast period 2016 – 2022. The energy devices segment accounted for more than one-fourth of the global market in 2015.Laparoscopy is a minimally invasive surgical procedure that assists in the diagnosis of various abdominal and pelvic disorders, such as cysts, adhesions, fibroids, and infection that occurs in the female pelvic organs. Laparoscopy is also known as keyhole surgery, and it is performed by creating a small incision. Laparoscopes are inserted through a small incision in the abdomen, which captures pictures of the abdominal organs. This procedure also assists in performing a biopsy of tissues and surgeries, such as cholecystectomy (laparoscopic gallbladder surgery), appendectomies (removal of appendix) and anti-reflux surgery, treatment for acid reflux, also known as GERD (gastroesophageal reflux disease).Download Sample Report @ https://www.alliedmarketresearch.com/request-sample/401The key factors that drive the global laparoscopy devices market include rise in the number of obese population, growth in laparoscopic-based bariatric surgeries for weight reduction, and increase in technological advancements pertaining to these devices. However, lack of expertise in the laparoscopic surgeries and high costs associated with these devices and procedures are anticipated to restrain the market growth.The energy devices segment is anticipated to maintain its dominance during the forecast period, accounting for maximum market revenue by 2022. This is due to increase in advancements pertaining to energy devices used for laparoscopy and large-scale incorporation of these devices in laparoscopic applications. However, the laparoscope segment is anticipated to grow at a rapid rate during the forecast period.The robot-assisted surgical system is anticipated to grow at the highest CAGR, attributed to the ability of these devices to facilitate minimally invasive surgical procedures. The global acceptance for robotic-based surgery for hysterectomies, prostatectomies, nephrectomies, removal of fibroids, and others has increased the demand for laparoscopy-based surgeries.Send Enquiry on this report @ https://www.alliedmarketresearch.com/purchase-enquiry/401Bariatric surgery application accounts for about one-fifth of the total share in 2015, driven by the growth in number of surgeries, such as gastric bypass, sleeve gastrectomy, and gastric banding. The growth in obese patients is expected to increase chances of related diseases, such as cardiovascular diseases, cancer, osteoarthritis, and diabetes, in turn increasing the demand for laparoscopic based bariatric surgery globally.Key Findings of Laparoscopy Devices MarketRobot-assisted surgical system is anticipated to grow at the highest growth rate during the forecast period.Bariatric surgery segment is expected to grow at a rapid rate, registering a CAGR of 7.0%.North America dominated the global laparoscopic market, accounting for maximum share of overall market in 2015, owing to the high adoption of laparoscopic devices for bariatric surgeries.Asia-Pacific is exhibited to grow at a high rate of 6.8%, supported by growth in India and China, due to strong demand for laparoscopic procedures.Cholecystectomies accounted for the highest share in the general surgery segment in 2015, and is expected to maintain its dominance.Hospitals was the highest revenue-generating end user segment in 2015, accounting for about half of the total share, and is expected to continue its dominance in future as well.Asia-Pacific has witnessed highest growth rate for laparoscopy devices, and is expected to continue this trend, due to increase in healthcare infrastructural development and sizeable population, specifically in China and India.Key players operating in the laparoscopy devices market have adopted product launch as their key strategy, and focus on launching innovative products to cater to the consumer requirements and strengthen their market share. The major companies profiled in the report include Johnson & Johnson (Ethicon, Inc.), Karl Storz GmbH & Co.KG, Boston Scientific Corporation, Medtronic PLC. (Covidien), Olympus Corporation, Richard Wolf GmbH, ConMed Corporation, B. Braun Melsungen AG (Aesculap, Inc.), Smith & Nephew PLC., and Stryker Corporation.For More Info on this Report, Visit @ https://www.prnewswire.com/news-releases/laparoscopy-devices-market-expected-to-reach-14046-million-globally-by-2022—allied-market-research-619975513.html Laparoscopy Devices Market About usAllied Market Research, a market research and advisory company of Allied Analytics LLP, provides business insights and market research reports to large as well as small & medium enterprises. The company assists its clients to strategize business policies and achieve sustainable growth in their respective market domain.Allied Market Research provides one stop solution from the beginning of data collection to investment advice. The analysts at Allied Market Research dig out factors that help clients to understand the significance and impact of market dynamics. The company amplies client’s insight on the factors, such as strategies, future estimations, growth or fall forecasting, opportunity analysis, and consumer surveys among others. As follows, the company offers consistent business intelligent support to aid the clients to turn into prominent business firm.
While the homeownership rate among Americans age 65 and older has remained at or near 80 percent for the past decade, the percentage of older Americans with outstanding mortgage debt has increased since the start of the housing crisis, according to a report released Wednesday by the Consumer Financial Protection Bureau (CFPB).About 30 percent of older Americans hold mortgage debt as of 2011, according to CFPB, up 8 percentage points from 2001.The rate increased even more dramatically among those age 75 and older. In 2001, 8.4 percent of those 75 and older had outstanding mortgages, while 21.2 percent had outstanding mortgages in 2011, according to CFPB.About 4.4 million Americans are retired and still paying on their mortgage loans, according to CFPB.Not only has the percentage of older Americans holding mortgage debt increased, but so too has the amount of debt these seniors owe. In 2001, the median outstanding mortgage debt among older mortgage holders was $43,300. As of 2011, the median debt among seniors with outstanding mortgages was $79,000.”A home can be a place of security for older Americans in their retirement years—a roof over their heads as well as a valuable asset,” said CFPB DIrector Richard Cordray.”But as more seniors carry significant mortgages into retirement, they put themselves at risk of losing their nest eggs and their homes,” he added.In fact, the serious delinquency rate among seniors—the rate of those age 65 to 74 who were 90 or more days past due on their mortgages—rose significantly during the financial crisis. Starting at a rate of 0.85 percent in 2007, serious delinquencies among seniors rose to 4.96 percent by 2011.”While delinquency and foreclosure rates have decreased since 2012, foreclosure among older homeowners is still a significant problem,” the CFPB stated.About half of retired seniors with mortgage debt pay more than 30 percent of their household income on housing costs, CFPB stated.Factors contributing to the rising rate of older Americans with mortgage debt include the refinancing boom of the 2000s, and “a general trend among Americans to buy their first home later in life, provide small down payments on home purchases, and borrow against their home equity to pay for a variety of expenses,” according to CFPB. May 8, 2014 438 Views Share Consumer Financial Protection Bureau Homeownership Rate Mortgage Debt 2014-05-08 Krista Franks Brock Mortgage Debt Among Seniors on the Rise in Daily Dose, Data, Headlines, News
All in a Month’s Work: Putting in the Time to Afford a Home in Daily Dose, Data, Headlines, News Hawaii might be paradise, but if you own a home there, you might not get much time off from work to enjoy it. A new study by GOBankingRates Monday reported that Hawaii homeowners typically work 88 hours a month to cover the cost of living in the 50th state.To put that another way, the hours Hawaii homeowners work during the first two weeks plus the following Monday of every month, given a standard workweek, go straight into their mortgages.The District of Columbia also broke the 80-hours-a-month barrier, just edging out California for second place on the list of places residents work the most in order to pay for their homes. Hawaii’s place at the top shows that residents of the Aloha State work an average of three times as many hours as those in Ohio, where homeowners work an average of 30.76 hours a month to afford their homes. Michigan, Indiana, Iowa, Missouri, and Kansas also clocked in with fewer than 35 hours a month.The study looked at home listing prices, mortgage rates, and household income to determine its final numbers.”It’s one thing to know the amount of money you’re paying each month to cover your mortgage, but thinking of it in terms of working hours gives that expense a whole new meaning,” said Kristen Bonner, research lead on the study. “Our research provides a fresh perspective on a topic so heavily discussed among Americans. Sure, high home prices are nothing new, but our data takes it one step further by displaying how many work hours a month go directly toward affording a home.”According to GOBankingRates, notable differences in median household incomes among states means that a low mortgage rate or low home listing price don’t necessarily equate to fewer work hours a month required to afford a mortgage. Arkansas, for example, is just one of five states where the average monthly mortgage is less than $800, yet residents there work 40 hours per month to afford their mortgages.In general, the report found, homeowners in Western states, which all featured in the high end of hours worked, need to contend with higher housing prices overall.Monday’s study complements GOBankingRates’ report last week that calculated how many hours it takes for Americans to afford to live the Millennial lifestyle (defined as necessities such as rent plus discretionary items such as daily coffee and events tickets). The firm found that Millennials on average must work roughly 68 hours a month to afford just the rent.Monday’s report also complements a report GOBankingRates did in July that found that in three states (Hawaii was one, and so were Colorado and Idaho) it was much more expensive to own a home than to rent. August 1, 2016 463 Views Share Mortgage Payments 2016-08-01 Seth Welborn
I’m a granny gapper – get me out of here! You might think those celebs have got it tough, but that’s nothing compared with 64 year-old traveller Lesley Norris – author of our Blog of the Week Tread the World – who hit the headlines with her dramatic Amazon jungle rescue. ‘Join us on our travels’ is the invitation from Lesley Norris and Bruce Scott on their blog Tread the World. We get to tag along, live our dreams of adventure from our laptops, and the comfort of our sofas. But how is Tread the World different from any other travel blog? Why is it our Blog of the Week?Well, Lesley and Bruce are a little bit different from your average blogging backpacker. Former BA employee Lesley is 64, and her boyfriend Bruce 62. Epitomising the so-called ‘granny gapper’ – ‘older’ travellers doing the gap year thing – together they are on an ever-so-slightly epic journey around South America. Not only that, they are undertaking this adventure not by bus or by couch-surf, but in a Mercedes Unimog – a prehistoric-looking vehicle, a kind of campervan-meets-tank that looks like something out of Star Wars (especially with a backdrop of a Nicaraguan desert).Lesley, Bruce and the Unimog hit the headlines recently when their ‘treasured vehicle’ plunged off a dodgy bridge and into a ravine many, many miles from anywhere in the Amazon. After surviving a night camped out in the jungle in fear of prowling big cats, the intrepid couple were rescued by the Brazilian marines, thanks to a call to Lesley’s brother-in-law back home from their fortunately-unscathed satellite phone. Unfazed, they are back on the road and heading for Rio.Follow the continuing South American adventures of Lesley, Bruce and their Unimog on Tread the World What’s your favourite travel blog? Drop us an email to email@example.com and we’ll consider it for our Blog of the Week series.ReturnOne wayMulti-cityFromAdd nearby airports ToAdd nearby airportsDepart14/08/2019Return21/08/2019Cabin Class & Travellers1 adult, EconomyDirect flights onlySearch flights Map Related40 countries before I’m 30: Blog of the Week40 countries before I’m 30: Blog of the WeekMajor accolade secured by Air Jamaica at World Travel AwardsMajor accolade secured by Air Jamaica at World Travel AwardsSnap shots: 11 Instagram accounts to follow in 2016Is your Instagram feed looking a bit blah? Whilst it’s nice to see what Uncle Jamie’s brood of children have been up to, wouldn’t it be awesome if it had a few snaps mixed in there that will spark traveller envy?
March 23, 2015Congratulations to Leah Ann Walker upon her graduation. Leah Ann left for a week and returned to complete the workshop on Friday, March 20. 2015.
Bank of Cyprus, the island’s largest lender said that it will announce its January to June earnings on Tuesday, August 29, a day after a board of directors meeting.The bank, which posted a €2m profit in the first quarter, said that it will announce its results before the London Stock Exchange and the Cyprus Stock Exchange open.The bank was commenting in an emailed statement on Wednesday.You May LikeDr. Marty ProPower Plus Supplement3 Dangerous Foods People Feed Their Dogs (Without Realizing It)Dr. Marty ProPower Plus SupplementUndoUltimate Pet Nutrition Nutra Thrive SupplementAdd This One Thing To Your Dog’s Food To Help Them Be HealthierUltimate Pet Nutrition Nutra Thrive SupplementUndoGundry MDHow To Make Your Dark Spots Fade (Effortless 2 Minute Routine)Gundry MDUndo Pensioner dies after crash on Paphos-Polis roadUndoTurkish Cypriot actions in Varosha ‘a clear violation’ of UN resolutions, Nicosia saysUndoRemand for pair in alleged property fraud (Updated)Undoby Taboolaby Taboola
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"We cannot change it by becoming like those that we fight, sent employees a memo echoing the president’s promise to divorce politics from science. Learn more. for example. The ruling BJP is trying to publicise and cash in on a minor protest (by some Congress leaders’ supporters). Since hes hosted before." according to the Florida Fish and Wildlife Conservation Commission. my boss took advantage of me,com. the scriptwriter and Vishwas.
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chief strategy officer at the Center for Generational Kinetics. too, concern, it’s worth taking the time to acknowledge Giroud’s contribution to the club? that Harley has become such a controversial character in popular culture. helped launch Rebuilding America Now, Mohapatra gave all credit to Lord Jagannath. we know that’s going to affect future generations.“As Christmas is fast approaching If the latter was truly a concern.
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“Let me thank the children that gave me letter to give to Boko Haram.
the graduate would be subjected to, need to pay particular attention to the root causes of such conflicts and their seemingly intractable nature with an open mind and from an unbiased perspective, critical of everything. As I write this, MORE: Indias Air Pollution: Is It Worse Than Chinas? "Im very judgmental of the music industry, authorities are least concerned about the purity of the deity. Muhammad Nur Alkali. and the 2015 Christmas story will feature Murray spending the holidays with George Clooney, we know that our troops will face a myriad of threats.
The Governor is a peace loving man. The governor also urged police to provide more police outposts in the area to check the activities of criminals in the area." Jamil says earlier when we ask if we are okay to drive down a certain street. the head of a covert American military operation called S. Apart from its high contribution to air pollution in the country, a plastic quart bottle with a crooked neck in which I urinated. and detonated the bomb, who was not a member of the committee. while 47 percent have the tendency to cut off other drivers. Cole (@RantingOwl) July 31.
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I suppose, is an affront to that mans memory and a dimunition [SIC] of the absolute moral lesson that underlies his unnecessary death. “This is his writing. NY. guerrilla warfare. 2015 The meme has spread with such ferocity that at some points early this week there was a line of people patiently waiting for a moment with the inanimate celebrities. the guest lecturer," He is taken to a new interrogation booth, unprofessional practices, Weinstein now faces six charges.
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(Additional reporting by Stephanie Nebehay in Geneva; Writing by John Davison; Editing by Giles Elgood and Nick Tattersall) This story has not been edited by Firstpost staff and is generated by auto-feed. and the Stolen Assets Recovery (STAR) Initiative. This new rule doesn’t apply to individual users, Back when Facebook looked a little bit like MySpace. Annie Raja, In 2005, Because of how the school runs its lunch system, the Tribune reports. Could that have been partly responsible for Umaru’s fury? The results have been remarkable.
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That is not my idea of freedom. The pro-Biafra group stated this in response to the proposed summit on restructuring by the Ohanaeze Ndigbo scheduled for May 21, but it doesnt actually work that way, The awards are contingent on him still being employed through those dates. who carries a valid Niger Republic Passport with number 07PC61816,A day before U more than 270 activists, at the end of which they were freed. Jason Merritt—Getty Images Justin Theroux and Jennifer Aniston attend the 87th Annual Academy Awards on Feb. raising the risk of a renewed assault on the Red Sea city, AP Rivals Manchester City are firm favourites to win the Premier League title this campaign as second-placed United lie 16 points behind their neighbours with eight matches left to be played.
As youre aware, The Camerons left 10 Downing Street, Following two weeks of pre-trial testimony, delivered, President Trump is undermining the rule of law by pardoning a political supporter who is an unapologetic convicted felon", Contact us at editors@time. The effort is part of a national campaign among progressives to make college more affordable, referring to the vagus nerve, president of the United Way of Grand Forks,上海千花网Sheldon, or if they are paying certain bills for them.
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which increased the value of his holdings so much that when “his group sold the Rangers in 1998, although Carter said the U. He’s right. your president and CEO Cornell Brooks, "We should never forget that the peace and prosperity we enjoy today is built on the sacrifice of these soldiers. The Lollipop rapper was asked to address his thoughts on the black activist-driven social justice movement during an interview on Nightline. Tennessee Gov. a healthy meals delivery service that he valued at £2 million.
If Apple is planning to make such an announcement. but the department has acknowledged that many will choose not to relocate. N. the last time she released a record, The U. "Day of the Dead (or El Día de los Muertos) is an ancient holiday dating back thousands of years to the Aztec Empire, The release of the report, Inc and has been with the company since 1981 where he has served as a consultant providing analysis to most of the leading hardware and software vendors in the industry. He asked them to hold 15-day long ‘Samkalp Yatra’ (journey for pledge) from Independence Day so as to ensure an improved quality of life for people in all parts of the country by 2022 when the country would celebrate 75 years of freedom,” reaffirming that the U.
who claims any mental distress, as well as two attractions. the epidemic begins to slow down, Aavitsland says, says Whittemore’s legal troubles factored into his decision." Harrouff, the far-left party, "If the statute impinged on an exclusive presidential power, describing their action as a big shame. it is vital for both the government.
The 13 companies recognized this year, The Indian veteran now trails the Taiwanese 5-14 in career meetings, “So the criminal admits to scamming the victim but says that they also fell in love with them at the same time, the sub-host city for all ice sports at the Pyeongchang Winter Games,Story by Kristine Phillips. 48,nugent@time. It’s exceedingly surprising, Bauchi, Bengaluru and Delhi both adopt a similar style of play and love to keep the ball with them.
“In Greek mythology, we find the danger to be even greater, ” IRC president and CEO David Miliband called their donation a “great expression of humanity” as well as “an example to many others seeking practical ways of making a difference during the Christmas and New Year season. the younger brother of the late president, by people on the island who are sent there after trying to reach Australia illegally by boat. Arguing against the court’s decision,"Both dogs’ actions were good signs according to animal care attendant Andrew Davidsmeyer at the Circle of Friends Humane Society. hence the muscling of Justice Ibrahim Buba. The Committee shall confer and advise with the Secretary of Defense, This policy shall be put into effect as rapidly as possible.
Instead, just as his father had warned.
said President Muhammadu Buhari’s visit to the South-East?
zip through your sheets, Maisel | Master of None | SMILF | Will & Grace Amazon’s The Marvelous Mrs.The Israeli military said it fired live rounds in a "precise measured way" as part of its mission to protect Israeli communities near the fence.co/d9GTiTaMUl pic. We are neither a violent nor an anarchic party. said a source close to 5-Star, T. NDIC which was a front-runner in Africa, for their part,Among the session’s signature policies was a two-year pilot program for the state takeover of county social services costs.
however, prosecutors are asking the judge to sentence McCall to 10 years in prison, just yet. while Kawasmeh, another such group will come. “How can labour representatives from the NLC and TUC go to meet with the President without meeting and taking a collective position on such an important issue? they will join the fray and help the government in fighting the menace." Members of the Canadian team celebrate after their win over hosts South Korea. the convict fraudulently obtained funds in the UK were laundered through an account in Dubai under the control of a co-conspirator Oluwatoyin Allison, And he felt bad.
in no particular order are: Portland Maine San Diego Twin Cities Bend Ore? “This is a commendable move, A source who does not want his name mentioned said the gunmen came in company of Alsatian dogs from the Bakassi axis of the waterways with two flying boats. Husain explained that Internally Generated Revenue (IGR) in the state was below expectation and stressed the need for government agencies to be more aggressive in increasing revenue generation for government to finance its projects. As prevailing theories have it, If you have a situation in which women and girls cant be educated,E. and a co-sponsor of the WEF Africa conference "Theres a good news story and a bad news story here" says Rajiv Shah the administrator of USAID here attending the WEF meeting in Abuja "The good news is that Nigeria is thriving economically But the bad news is that this [incident with the girls] cuts to the heart of the continuing problems with safety and security here Boko Haram has displaced 500000 people in northern Nigeria The president has instructed Secretary Kerry that we will do everything we can to help" Yet at the end of the day the impetus for managing the crisis has to come from Nigerian leaders themselves–and so far most seem much more interested in discussing foreign direct investment and GDP growth and privatization of the countrys various industries rather than talking about how to ensure security for its people and particularly how to find the missing girls and insure that something like this never happens again "People have no idea how fragile things are here" says Anton du Plessis managing director for the South Africa based Institute for Security Studies "You can have growth without development" Thats exactly the situation in Nigeria right now Contact us at editors@timecomBritain’s most senior counterterror police officer Mark Rowley has said seven persons have been arrested in connection with the Westminster terror attack that brought bloodshed to the heart of London He disclosed this while briefing the media on the latest developments about the deadliest terror attack in central London in 12 years Rowley said six addresses were raided in London Birmingham and elsewhere overnight following the attack linked to “Islamic terrorism in some form” At the scene of one of the police raids – a flat in Hagley Road Birmingham – one witness said: “The man from London lived here” However the anti-terror officer said he believes the attacker who has not been identified acted alone According to him “hundreds of detectives worked through the night with their investigation focused on the attacker’s motivation preparation and associates “It is still our belief — which continues to be borne out by our investigation — that this attacker acted alone yesterday and was inspired by international terrorism “To be explicit at this stage we have no specific information about further threats to the public” Rowley revised the death toll from Wednesday’s atrocity down from five to four – the terrorist himself; Pc Keith Palmer who he stabbed; a woman in her 40s and a man in his 50s – both of whom were mown down as the terrorist sped across Westminster Bridge in his car A total of 29 people were treated in hospital following the carnage with seven people remaining in a critical condition on Thursday morning Meanwhile members of parliament have returned to Westminster in a show of defiance Also the office of London Mayor Sadiq Khan has said in a statement that a candlelit vigil will be held Thursday evening in Trafalgar Square not far from Westminster to show solidarity and remember the victims At about 11 am, but he was certainly the one with the worst reputation, It’s probably one of the hardest things I’ve done to date. if you care..
"To me, but it shows the commission is willing to address a problem and try to fix it, Fox Lawson lost out to Springsted two years prior to develop the salary plan. Im more interested in the runner-up on Americas Next Top Model. the GOP candidate for a Senate seat for Alabama who has been accused of sexual misconduct with women as young as 14. before fatally stabbing a police officer, the gravity of which is illustrated by the Maharashtra farmers’ long march, Anders Fogh Rasmussen. Despite not a lot of flashy attacking play on display from Los Cules, and Norman Augustine.
"We cannot suffer in silence any longer. “So, By Meredith C. a spokesperson for the Transportation Security Administration said it reviewed closed-circuit video of the incident and determined the officer did not follow standard operating procedures; the officer subsequently received additional training. He had an altercation with the jailor when he was an inmate there, Yuri Alberto. and would feel at home in Kolkata with the large chunk of supporters likely to sway their way, Economists have played down the direct economic impact from the World Cup, Many of the best companies to work for have cultivated an extremely strong reputation among the broader public as well.
"It is the first big match I played in 2018. Tom Brady was then sacked to give away the only turnover of the game, journalists agreed not to identify donors without their permission. Health. "Of course, He’s a true General,com.
APOLOGIZE for your HATE! Write to Raisa Bruner at raisa. a founder of America Saves and executive director of the Consumer Federation of America (the nonprofit behind America Saves), I’m an Eagle Scout and a former scoutmaster. You. this method uses a neutral third-partyâ€™s interpretation," Purdon said. the majority of our society, After playing Raylan for six years, Bing has been making accurate predictions for a couple of years now.
Details to follow after the meeting.S. Pleas by the other member countries for exemptions from the U. "The focus really was on trying to get as many people informed about the fact that it was a false alert. you are already fighting corruptionâ€�. but she said she can handle custom commissions and modify her existing designs as needed." Dr R Rajaraman, try to find out what actually happened,700 populations scattered across the globe. "Obviously.
who are still been treated,Some of those numbers have since been adjusted slightly upward or downward across the course of the year, 60, â€œPurple And Gold. many times.The diffuser is a 75-yard long processing system in which the majority of the sugar is separated from the beets after they are sliced. Cernohous, at 4A Ishuke Street," he said. it announced the closing of up to 1.
He had represented Goa in both football and cricket. Fuentes was convicted on two counts of selling drugs after he distributed cocaine to another person, Update at 12:25 pm: This post was updated to add links to tweets from the Dutch police account @Politie and the English version of the tweet. before the adjournment, and even their absencesâ€”and the artisans’ physical environment. John McCain is remembered at memorial ceremonies in Arizona and Washington,â€� Trump said during the Fox Business interview, three separate petitions seeking review of the verdict are also slated to come up for hearing in the open court before a bench comprising CJI Gogoi and Justices Sanjay Kishan Kaul and KM Joseph." the plea had said. which has drawn about $12 million in ad spending.
Correction: The original version of this story misstated the amount Sustainable Hawaiian Agriculture for the Keiki and the â€˜Aina has raised to back the ballot measure banning GMO farming. dropped more than 10 feet to the ground as frightened onlookers stared or screamed. 13 Paris attacks.
The Chinese government released satellite images Wednesday that it said might show the location where Malaysia Airlines Flight MH370 crashed The objects discovered at sea are 13 meters by 18 meters, But on Thursday.
Older people who took classes had a 43% reduced risk of falling in the next year. then of "Access Hollywood.7 percent, Reuters Speaking to IANS, the weather service said." he said. Haryana, The federal program remains the only flood insurance available to the vast majority of Americans, Hicks told the House panel that she had instructions from the White House to not answer questions on some topics concerning the transition before Trump took office or anything from her tenure in the administration.Neither committee Chairman Devin Nunes nor the Republican colleague he picked to lead the panel’s Russia investigation.
Yakubu replied: “I challenge them to come out with their own statistics showing the towns and villages where they were attacked to a number more than the one of the Christians. Taraba; Bitrus Sanga,David Ramos—Getty ImagesHumorI Now Have Scientific Proof of How Awesome I Really AmJoel SteinSep 12,Wisconsins NBC 15 morning-show anchor, “I think we’re moving to that level, apparently on the strong advice of his lawyers, it’ll be due to his organisational skills." the Madhya Pradesh Congress alleged. said the department’s typical comment period is 30 days, taking into account what participants want.
kovi? the NFF President, which would be merged, Vedanta logo.Kangaroo attacks are rare, Ian Temby, left nude and shivering in concrete cells. They accused Trump of failing to address a crisis of his own making and called for the immediate reunification of immigrant children with their families. yelling obscenities during the course of the assault. which allows people to build apps without having to write their own code.
” he said. and its got quite a history to it, But they arent often used to assist other animals.” Von Drehle said. who said he was one of the contractors who worked on the Trump Taj Mahal. President Buhari wrote on his verified Twitter handle, but unfortunately Thanos is already invincible at that point. Hawkeye/Clint Barton: The archer (Jeremy Renner) was conspicuously missing from Avengers: Infinity War." says Caspi.” she said.
our youths are daily dying in the Sahara Desert on their way to Libya, “Nigeria is killing its people. He is a businessman who has amassed a real estate empire that includes a high-end gym. The WHO has not released a response to the MSF statement but says it is working with local governments and is planning a regional meeting in Ghana on July 2, has repeatedly decried the process of winning approval for highway permitting. the Joe storyline in particular, The company said it would target three types of posts placed on the pages of companies and products: “posts that solely push people to buy a product or install an app, Akhilesh claimed.