Plastic House / Unit Arkitektur AB

first_img Houses Year:  Plastic House / Unit Arkitektur ABSave this projectSavePlastic House / Unit Arkitektur AB Sweden Projects CopyAbout this officeUnit Arkitektur ABOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesGothenburgHousesSwedenPublished on May 22, 2010Cite: “Plastic House / Unit Arkitektur AB” 22 May 2010. ArchDaily. Accessed 12 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogSinkshansgroheBathroom Mixers – Talis SVinyl Walls3MExterior Vinyl Finish – DI-NOC™ Solid ColorPartitionsSkyfoldRetractable Walls – Stepped & Sloped SpacesDining tablesZeitraumWood Table – TautBathroom AccessoriesBradley Corporation USARoll Towel Dispenser – Electronic TouchlessWoodLunawoodThermowood FacadesAluminium CompositesSculptformClick-on Battens in Victoria GardensMetal PanelsLongboard®Metal Ceilings – DauntlessWoodStructureCraftEngineering – Mass TimberPanels / Prefabricated AssembliesULMA Architectural SolutionsPerforated Facade PanelFiber Cements / CementsDuctal®Rainscreen Cladding Panels for Lightweight Facades in Apartment BlockBricksAcme BrickModular Size BrickMore products »Read commentsSave世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/61031/plastic-house-unit-arkitektur-ab Clipboard Plastic House / Unit Arkitektur AB “COPY” CopyHouses•Gothenburg, Sweden Area:  210 m² Year Completion year of this architecture project ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/61031/plastic-house-unit-arkitektur-ab Clipboard “COPY” ArchDaily Photographs Photographs:  Krister EngströmText description provided by the architects. In Hjuvik just outside Göteborg Anna och Marcus Bohlin bought a property containing an old detached house. The area is a pure residential area which has been thoroughly developed over the past 20 years with a great density of houses as a result. It has also led to the paradox that although all inhabitants have moved there for a view of the sea, no sea is visible from their own property as the nearby neighbor’s house is obstructing the view. This, combined with current Swedish building regulation which states that a kitchen, living room, bathroom and a bedroom must be accessible for a disabled person, leads to the tragic fact that despite the proximity to the sea, most people do not see it from the spaces where they spend most of their waking time – the kitchen and living room. Save this picture!© Krister EngströmRecommended ProductsWindowsVEKAWindows – SOFTLINE 82 ADEnclosures / Double Skin FacadesIsland Exterior FabricatorsCurtain Wall Facade SystemsFiber Cements / CementsDuctal®Ductal® Cladding Panels (EU)WindowsSolarluxSliding Window – CeroIn the initial calculations, it proved too expensive to extend the existing house and it was consequentially torn down. The foundation was saved and thus defined the depth of the new building. Since the ground floor in this case had a dark and cramped position it was desirable to switch the floors – to move down the bedrooms and move up the living room and kitchen. It was possible to prepare for a lifting plate outside of the building, if the house is to be adjusted for a disabled person in the future. Save this picture!© Unit ArkitekturThe clients wanted a larger house than the budget really allowed. This was made possible by a genuinely simple geometry and common materials; the outer form follows the logic of the shoebox and the layout is as straightforward as possible. It was the size of the rooms that was defined as a luxury and not building materials. The materials of the facade reflects the different activities inside the house. The ground floor houses mainly bedrooms, private dwelling and non-representative parts. The facades on this floor are clad with the most swedish of facades – the sawn spruce panelling. This is painted with a mixture of equal parts turpentine, linseed oil and tar – the traditional west coast protective treatment for their wooden landings. This floor has a conventional placement of windows. The upper floor is the representative part of the house clad with a flawless and proper facade material – 5 mm translucent white acrylic plastic or PMMA. The magnificent view is captured with large panoramic windows. A large balcony with a pragmatic steel construction and cheap railing compensates for the lack of outdoor space in connection to the living room. Save this picture!© Krister EngströmThe ground floor has a pragmatic layout built around a transversal corridor with storage as a buffer towards the northeast. On the other side there is a row of rooms. The upper level is inspired by the Moore and Kubly Houses – both designed by Craig Ellwood and built in the 60s – with their free walls only interrupted by sliding doors in closed position.Save this picture!© Unit ArkitekturTechno The facade material for the upper floor consists of 5 mm opaque sheets of acrylic glass. PMMA – polymethylmethacrylate – was developed during the 20’s in Germany and brought to market in 1933 with the brand name Plexiglas. Already during World War II the material was used in a variety of military applications such as periscopes, wind screens, etc. PMMA has an ignition point of 460˚C and forms carbon dioxide and water during combustion. It has less than half the density of glass and the production requires about two liters of oil to make one kilogram PMMA. The material is UV-stable, making it suitable for outdoor applications. Save this picture!© Krister EngströmTwo factors are important to consider when designing with PMMA. The first is the extreme length extension of this material; in a design temperature range of 100˚C it is estimated to 7 millimeters of expansion per meter. This means that when you can not allow continuous motion you are limited to relatively small sheeting formats. Secondly the plastic is electrostatic and therefore can attract particles and grow dirty. After examining various attachment methods taking these factors into account, together with 3M we concluded that tape would be the best solution from a technical and aesthetic standpoint. The proposed technique was to attach the sheets with an acrylic foam tape with due dimensions in width, thickness and correct choice of foam. Since there was no prior experience of applying tape on PMMA, 3M conducted tests in a heat chamber to warrant the procedure. Tape thickness must be a third of the calculated thermal expansion; thus a tape of 2 millimeter thickness was selected. The tape was applied to a surface-treated steel batten since a galvanized surface is unstable over time. Save this picture!© Unit ArkitekturThe PMMA sheeting is directly applied to the battens, thus dependent on the ambient temperature being at least 15˚C at the time of application. Due to a historically cold spring the cost was unfortunately too high to keep the scaffolding until the temperature was right. Therefore the sheeting was mounted traditionally with screws on some parts.Save this picture!© Krister EngströmProject gallerySee allShow lessPantone Hotel / Michel Penneman + Oliver HannaertArticlesThe National Museum of Korean Contemporary History / G.Lab*Articles Share Save this picture!© Krister Engström+ 24 Share 2007 Architects: Unit Arkitektur AB Area Area of this architecture projectlast_img read more

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Connemara II House / Peter Legge Associates

first_img Year:  ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/934297/connemara-ii-house-peter-legge-associates Clipboard Photographs:  Kelvin Gillmor, Niall Dolan Manufacturers Brands with products used in this architecture project Connemara II House / Peter Legge AssociatesSave this projectSaveConnemara II House / Peter Legge Associates “COPY” Manufacturers: Baumit, The Rooflight Company, Carlson, Concrete Concepts, Concrete Fair, VMZINCDesign Team:Patrick Lloyd, Peter Legge, Cornelia Hope, Hugh O’RourkeEngineering:CORA Consulting EngineersContractor:Greentec Ecological Homes Ltd.City:ConnemaraCountry:IrelandMore SpecsLess SpecsSave this picture!Courtesy of Peter Legge AssociatesText description provided by the architects. This dwelling, in the far west of Connemara, was built to replace an existing derelict and nondescript house that previously stood on the site.Save this picture!© Kelvin GillmorDesigned to have minimal visual impact from the access road and adjacent beach, its gradual reveal is of a larger, more dynamic intervention than first impressions, built between rocky outcrops, and with panoramic views of the Atlantic Ocean to the south.Save this picture!© Kelvin GillmorSave this picture!Ground floor planSave this picture!© Kelvin GillmorRaised up to protect against rising sea levels, it is an exercise both internally and externally in the combination of vernacular forms, traditional and modern materials, and contemporary detailing.Save this picture!© Kelvin GillmorSensitive to the place but with its own character, a new home by the ocean.Save this picture!© Kelvin GillmorProject gallerySee allShow lessCenter Totems Installation / Orekari Estudio + Enter ThisSelected ProjectsQuerbeet Social Housing / Synn ArchitektenSelected Projects Share Save this picture!© Kelvin Gillmor+ 30Curated by Paula Pintos Share Architects: Peter Legge Associates Area Area of this architecture project CopyAbout this officePeter Legge AssociatesOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesOn FacebookConnemaraIrelandPublished on February 24, 2020Cite: “Connemara II House / Peter Legge Associates” 24 Feb 2020. ArchDaily. Accessed 10 Jun 2021. ISSN 0719-8884Browse the CatalogBathroom AccessorieshansgroheBath & Shower ThermostatsGlass3MGlass Finish – FASARA™ NaturalPartitionsSkyfoldVertically Folding Operable Walls – Mirage®WindowsVitrocsaSliding Window – Mosquito NetSinksBradley Corporation USASinks – Verge LVG-SeriesMetal PanelsTrimoQbiss One in Equinix Data CentreSignage / Display SystemsGoppionDisplay Case – Q-ClassMetal PanelsLongboard®Aluminum Battens – Link & Lock – 4″Sports ApplicationsPunto DesignPunto Fit in Ekaterinburg Public SpaceWoodBlumer LehmannFree Form Structures for Wood ProjectsKnobsKarcher DesignDoor Knob K390 (50)TablesVitsœ621 Side TableMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my stream Houses CopyHouses•Connemara, Irelandcenter_img Photographs ArchDaily Projects “COPY” Connemara II House / Peter Legge Associates Area:  245 m² Year Completion year of this architecture project 2019 Ireland ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/934297/connemara-ii-house-peter-legge-associates Clipboardlast_img read more

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Textbox extends sponsorship of Smstextgiving

first_img Howard Lake | 31 October 2003 | News Tagged with: Consulting & Agencies Digital About Howard Lake Howard Lake is a digital fundraising entrepreneur. Publisher of UK Fundraising, the world’s first web resource for professional fundraisers, since 1994. Trainer and consultant in digital fundraising. Founder of Fundraising Camp and co-founder of GoodJobs.org.uk. Researching massive growth in giving.  21 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Smstextgiving says that where text giving is linked to some form of reward, through entry into a prize draw, or the opportunity to win a prize, “the amounts raised by charities is greatly increased.”Graham Burrough of Smstextgiving added: “The first of our Christmas Charity competitions to go live will be with ourpartners Roy Castle Lung Cancer Foundation, which is planned to run from 3 November to 18 December 2003, with a prize of a luxury weekend for two in a leading London hotel.”center_img AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Text messaging software specialists and managed service providers TextboxLimited are extending their current sponsorship deal with SmstextgivingLimited, the not-for-profit text-based fundraising service.Textbox, who provide the platform used by Smstextgiving for its charitydonations service, are to provide the company with a range of additional services including prize draw and competition modules.This will allow Smstextgiving’s charity clients to run prize draws in the run-up to Christmas, together with regular incentivised giving campaigns. Advertisement Textbox extends sponsorship of Smstextgivinglast_img read more

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Rebels capture radio reporter in the central city of Mongo

first_imgNews News ChadAfrica Help by sharing this information RSF_en ChadAfrica to go further Follow the news on Chad October 7, 2020 Find out more April 12, 2006 – Updated on January 20, 2016 Rebels capture radio reporter in the central city of Mongo Newscenter_img December 1, 2020 Find out more Many historic publications threatened with closure in Chad Organisation Reports The 2020 pandemic has challenged press freedom in Africa November 27, 2020 Find out more Reporters Without Borders voiced concern today about the fate of FM Liberté reporter Eliakim Vanambyl, who was captured by rebels of the United Front for Change (FUC) when they took the central city of Mongo yesterday. There has been no word of him since then.“Anyone who has reliable information about what has happened to Vanambyl is urged to get in touch with his family or radio station,” the press freedom organisation said. “He is a neutral observer and not a participant in this war, and must therefore be freed at once if he is still being held by the FUC.”Vanambyl presents the programme “Right to know” on FM Liberté, which is based in N’Djamena. He was sent to Mongo, the capital of the central Guéra region, on 6 April to cover the humanitarian problems resulting from the rebel advance.Local sources told Reporters Without Borders that Vanambyl met the first FUC units to reach Mongo at around noon yesterday. After ordering him to identify himself, they took him with them, the sources said. He later managed to call FM Liberté director Gata Nder with his mobile phone. As they spoke, a rebel took the phone from him and insulted Nder before hanging up.Since then, neither his family nor his colleagues have been able to reach him. Reporters Without Borders has confirmed that his mobile phone is turned off. Local sources today told Reporters Without Borders that the FUC rebels left Mongo, taking Vanambyl with them. Chadian radio stations on strike in protest against violent raid Receive email alertslast_img read more

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RSF condemns TV bureau chief’s detention in Somaliland

first_img Receive email alerts London-based Universal TV’s Hargeisa bureau chief, Digaale has been held since 17 February by the police department’s counter-terrorism unit in Hargeisa, where a court ordered him detained for an initial period of seven days. He has not yet been allowed access to a lawyer. According to the information obtained by RSF, the head of the Hargeisa regional court determined that Digaale allowed false information constituting incitement to violence to be broadcast on Universal TV’s Somali-language news report on 2 February. In this programme, residents of the El-Afwayn region complained about police interference in clashes between tribes.“Mohamed Aabi Digaale’s detention is completely arbitrary and illegal,” RSF said. “We call for his immediate release and we expect the authorities to respect press freedom, which is enshrined in Somaliland’s constitution.”The Somaliland Journalists Association (SOLJA) and Human Right Centre have both condemned Digaale’s arrest and have called for his immediate release. RSF condemned similar cases of journalists being detained arbitrarily by the Hargeisa authorities in June, July and October of last year. February 24, 2021 Find out more RSF requests urgent adoption of moratorium on arrests of journalists Reporters Without Borders (RSF) condemns TV journalist Mohamed Aabi Digaale’s arbitrary detention in Hargeisa, the capital of northwestern Somalia’s self-declared Republic of Somaliland, and calls for his immediate release. January 8, 2021 Find out more Follow the news on Somalia February 22, 2018 RSF condemns TV bureau chief’s detention in Somaliland Radio reporter gunned on city street in central Somalia News to go further RSF and NUSOJ call for release of a journalist held in Somalia’s Puntland regioncenter_img Mohamed Aabi Digaale, Hargeisa bureau chief of the London based Universal TV. ©Horn Diplomat Help by sharing this information SomaliaAfrica March 2, 2021 Find out more News SomaliaAfrica News Organisation News RSF_en last_img read more

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Pets of the Week at the Pasadena Humane Society

first_imgTwinkle (A468670), twinkle, little star, how I wonder what you are. Black like the midnight sky, and bright yellow eyes like the twinkling stars, Twinkle is a 3-year-old black cat who is available for adoption at one of our adoption partners, PetSmart Northridge. Twinkle is not interested in being a lap cat; she is a cat who likes her space. She likes treats and toys and likes to occasionally be petted. She’s also a curious, adventurous cat who is ready to explore a new furrever home and pick out a new cuddle spot.The adoption fee for cats is $90. All cats are spayed or neutered, microchipped, and vaccinated before being adopted.New adopters will receive a complimentary health-and-wellness exam from VCA Animal Hospitals, as well as a goody bag filled with information about how to care for your pet.View photos of adoptable pets at pasadenahumane.org. Adoption hours are 11 a.m. to 4 p.m. Sunday; 9 a.m. to 5 p.m. Tuesday through Friday; and 9 a.m. to 4 p.m. Saturday.Pets may not be available for adoption and cannot be held for potential adopters by phone calls or email. Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Community News More Cool Stuff Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Community News Here are the Pets of the Week available for adoption at the Pasadena Humane Society this week: HerbeautyShort On Time? 10-Minute Workouts Are Just What You NeedHerbeautyHerbeautyHerbeauty6 Strong Female TV Characters Who Deserve To Have A SpinoffHerbeautyHerbeautyHerbeautyThese Are 15 Great Style Tips From Asian WomenHerbeautyHerbeautyHerbeauty10 Most Influential Women In HistoryHerbeautyHerbeautyHerbeauty6 Strong Female TV Characters Who Deserve To Have A SpinoffHerbeautyHerbeautyHerbeautyWant To Seriously Cut On Sugar? You Need To Know A Few TricksHerbeautyHerbeauty Make a comment Your email address will not be published. Required fields are marked * faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimescenter_img Top of the News Have you always wanted to own a black velvet panther? Look no more! Donut (A469873) is a 1-year-old black Labrador Retriever-Pit Bull mix with excitable puppy energy who loves play time, but is also responsive to commands. He also knows “shake” and looks directly into your eyes when he does it. When he was out on our Wiggle Waggle Waggin’ he did well with nearby dogs, adults and kids. He’s a sweet, very large puppy who needs a patient dog owner to teach him more dog manners and stay active with him. Come visit a staff favorite at the Pasadena Humane Society & SPCA.The adoption fee for dogs is $140. All dogs are spayed or neutered, microchipped, and vaccinated before going to their new home.New adopters will receive a complimentary health-and-wellness exam from VCA Animal Hospitals, as well as a goody bag filled with information about how to care for your pet.View photos of adoptable pets at pasadenahumane.org. Adoption hours are 11 a.m. to 4 p.m. Sunday; 9 a.m. to 5 p.m. Tuesday through Friday; and 9 a.m. to 4 p.m. Saturday.Pets may not be available for adoption and cannot be held for potential adopters by phone calls or email. Community News Pets of the Week at the Pasadena Humane Society Published on Tuesday, January 8, 2019 | 12:47 pm Business News ShareShareTweetSharePin it Subscribe First Heatwave Expected Next Week Name (required)  Mail (required) (not be published)  Website  Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDSlast_img read more

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Gardai investigate laser attack on plane

first_imgLinkedin Aer Lingus needs to clarify Shannon plans – Crowe Previous articleAddict who attacked pensioner jailed for five yearsNext article1916 commemorative edition for the Old Limerick Journal Bernie Englishhttp://www.limerickpost.ieBernie English has been working as a journalist in national and local media for more than thirty years. She worked as a staff journalist with the Irish Press and Evening Press before moving to Clare. She has worked as a freelance for all of the national newspaper titles and a staff journalist in Limerick, helping to launch the Limerick edition of The Evening Echo. Bernie was involved in the launch of The Clare People where she was responsible for business and industry news. TAGScargofeaturedGardaílaserShannon airport Urgent action needed to ensure Regional Air Connectivity Twitter Email Advertisement RELATED ARTICLESMORE FROM AUTHOR Printcenter_img Shannon Airport “has been abandoned” Shannon Airport turns €1.3 million profitShannon Airport traffic continues to growAN INVESTIGATION is underway into an incident in which a Shannon- bound cargo flight was targeted by someone using a laser.The incident was reported by air traffic controllers following a complaint from the crew of a flight on approach to Shannon on Thursday.Sign up for the weekly Limerick Post newsletter Sign Up But it is not believed the laser targeted the flight from anywhere in county Clare or Limerick.The TNT Airways flight TAY-1461 from Amsterdam was descending over Co Wexford when the crew reported a green laser had been pointed at their jet.The incident happened at about 10.15pm as the British Aerospace 146 jet was south of Enniscorthy, Co Wexford, from where the laser is believed to have originated.The crew were in contact with air traffic controllers in Shannon at the time and reported the incident to them.The pilot said the beam appeared to have come from a built-up area in the vicinity of Enniscorthy. Controllers contacted gardaí in Wexford and made a report to them.The plane landed safely at Shannon with no injuries to the crew or damage to the plane. “The Irish Aviation Authority takes such incidents very seriously and reports dozens of incidents to the gardaí every year,” the Irish Aviation Authority said.“Shining a laser at an aircraft can affect the safety of an aircraft, especially if the aircraft is at a critical phase, such as landing.“While the majority of reported incidents have been found to have a low-safety impact, pilots have reported flash blindness, glare and being distracted from lasers.”Last Sunday, a transatlantic flight turned around north of Donegal and returned to London Heathrow after one of the pilots was affected by a laser. Shannon Group Focused on Recovery and Rebuilding Facebook One of the world’s most unusual aircraft arrives at Shannon Airport Sad day for Limerick and Mid-West following Aer Lingus announcement – Mayor Michael Collins NewsBreaking newsGardai investigate laser attack on planeBy Bernie English – February 22, 2016 825 WhatsApplast_img read more

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GSEs Nearing Loan Modification Milestone

first_img Data Provider Black Knight to Acquire Top of Mind 2 days ago GSEs Nearing Loan Modification Milestone The Best Markets For Residential Property Investors 2 days ago Related Articles Sign up for DS News Daily Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Subscribe Fannie Mae FHFA Foreclosure Prevention Freddie Mac 2016-07-12 Brian Honea The results of Federal Housing Finance Agency (FHFA)’s Foreclosure Prevention report for April 2016 show that the enterprises completed more than 16,000 foreclosure prevention actions in April 2016, bringing the total of prevention actions to more than 3.7 million since the start of the conservatorships in September 2008.Additionally, over half of these actions have been specifically permanent loan modifications. There were 10,784 permanent loan modifications in the month of April, bringing that total to approximately 1.94 million since the start in September of 2008. If the FHFA continues to complete permanent loan modifications at their current pace, they will pass 2 million in September.The report also showed the share of modifications with principal forbearance fell to 18 percent as well as modifications with extend-term only also decreasing to 48 percent of all permanent modifications in April. According to the report, this has been attributed to improved house prices and a declining Home Affordable Modification Program eligible population.Also in April, FHFA reported that there were 2,280 short sales and deeds-in-lieu completed, taking that number down 17 percent compared with March’s short sales and deeds-in-lieu reported number.In regards to the enterprises’ mortgage performance, it was found that the serious delinquency rate for mortgages guaranteed by either Fannie Mae or Freddie Mac decreased by four basis points to 1.31 percent at the end of April from 1.35 percent at the end of March.According to FHFA, the enterprises’ third-party and foreclosure sales declined 7 percent from 8,176 in March to 7,595 in April. Foreclosure starts also decreased 18 percent from 21,506 in March to 17,665 in April rounding out the report for this period.The April 2016 Foreclosure Prevention Report from the FHFA, released Tuesday, highlights the actions taken since their commencement in September of 2008 after the housing market crisis all the way to their current progress as of the end of April 2016.Click here to view the entire report. Home / Daily Dose / GSEs Nearing Loan Modification Milestone Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days agocenter_img Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago July 12, 2016 1,822 Views in Daily Dose, Featured, News, Secondary Market Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Kendall Baer is a Baylor University graduate with a degree in news editorial journalism and a minor in marketing. She is fluent in both English and Italian, and studied abroad in Florence, Italy. Apart from her work as a journalist, she has also managed professional associations such as Association of Corporate Counsel, Commercial Real Estate Women, American Immigration Lawyers Association, and Project Management Institute for Association Management Consultants in Houston, TX. Born and raised in Texas, Kendall now works as the online editor for DS News. Tagged with: Fannie Mae FHFA Foreclosure Prevention Freddie Mac  Print This Post Previous: Parties Spar Over Merits of CHOICE Act Next: Confusion Kills Confidence: Borrowers Underestimate Home Equity About Author: Kendall Baer Share Savelast_img read more

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Scrutinizing Stability: Are Changes to HUD’s Distressed Sales Program Motivated by Policy or Politics?

first_imgHome / Daily Dose / Scrutinizing Stability: Are Changes to HUD’s Distressed Sales Program Motivated by Policy or Politics? Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, News The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily The Week Ahead: Nearing the Forbearance Exit 2 days ago HUD’s first non-performing loan (NPL) sales program has been the focus of much controversy since it began in 2010. The program later renamed the Distressed Asset Stabilization Program (DASP) in 2012, has, to date, sold approximately 105,000 loans and its single-family loan sales programs totaled about $18 billion in unpaid principal balance (UPB).An analyzation of 70,000 loans sold in six DASP auctions from April 2012 to June 2014 found that 63 percent of those loans were located in ZIP codes with higher-than-average levels of negative equity; 69 percent of them were located in ZIP codes with higher-than-average unemployment rates; and 84 percent of them were located in ZIP codes with a higher-than-average concentration of minorities.Conversely, in a report from The Center for American Progress (CAP) it was determined that most notes analyzed were located in areas where job gains were increasing and the share of underwater homeowners was declining.“Notes sold through DASP tend to be located in communities where large shares of homeowners are ‘underwater,’ or owe more on their home than it’s worth; where unemployment remains high; and with large shares of communities of color, who lost a disproportionate share of wealth during the housing crisis,” said Sarah Edelman, Director of Housing Policy at CAP and co-author of the report.”CAP’s report made recommendations for improvements that FHA should make and that policymakers should support in order to ensure that DASP is beneficial for both the homeowners and the communities in which the distressed properties are located.“Assumptions about note purchasers’ economic incentives are not enough to ensure that these companies do not further destabilize communities on the road to recovery,” Edleman said. “DASP needs stronger standards that prioritize homeowners and neighborhood stabilization.”“Enhancements” FHA announced enhancements to DASP last year that included requiring purchasers of DASP loans to suspend foreclosure actions for a year (increased from six months), providing more advanced notice of pending sales, and extending the due diligence periods to accommodate non-profit organizations seeking to participate. The loans sold through DASP were an average of 29 months delinquent, according to FHA. They also created specific pools of mortgages to be offered exclusively to non-profits and local governments.“FHA is deeply committed to protecting struggling homeowners and making certain they have the greatest opportunities to avoid foreclosure and remain in their homes,” said Ed Golding, HUD’s Principal Deputy Assistant Secretary for the Office of Housing.  “While thousands of homeowners avoided foreclosure through this note sales program, we continue to explore new ways to help these families and to offer more opportunities for public-minded organizations to have a seat at the table.”Political Motivations? HUD’s tendency to sell DASP notes to private investors rather than nonprofits has drawn the ire of some advocacy and civil rights groups as well. In April, a coalition of these groups accused HUD and FHA of engaging in a “Wall Street Giveaway” and called for HUD Secretary Julián Castro to cease selling loans through DASP until the program was reformed.Following these accusations, HUD announced in mid-May that enhancements to DASP were coming soon. The enhancements announced included prohibiting investors from abandoning low-value properties and offering greater opportunities for non-profits and local governments to participate in DASP, according to the Federal Housing Administration. DASP is meant to be used only as a last resort; all FHA loss mitigations must be exhausted before a loan is sold through DASP.Leaders of the organizations that have been aggressively pressuring HUD for enhancements to DASP expressed their approval of the announcement.“Cities around the country have been frustrated by a lack of meaningful support from HUD in our foreclosure prevention and affordable housing programs,” said John Avalos, a member of the San Francisco Board of Supervisors. “So it’s a real relief that HUD is going to work more collaboratively with local government and local leaders to make a plan for these troubled mortgages. Up until now, I feel like HUD’s mortgage sale program has been doing more harm than good to our communities.”After the announcement of these changes, The House Financial Services Committee held a hearing to determine the effect of those changes to DASP on taxpayers—and whether or not those changes were politically motivated, as some critics have accused HUD Secretary Julián Castro of making the changes to appease advocacy and civil rights groups, some of which claimed Castro should disqualify himself from the list of candidates for Vice President because of what they perceived as shortcomings to DASP.“There has probably been no greater public policy mistake in housing than Washington trying to put people into homes they cannot afford to keep,” said Rep. Jeb Hensarling (R-Texas), Chairman of the Committee, in his opening statement at the hearing. “It was clearly the number one reason our nation suffered the number two worst financial crisis in our history.”He continued on stating that the changes proposed to DASP, in his opinion, breached the fiduciary duty to taxpayers by offering lower priced preferential bidding options to non-profits and local governments. Hensarling said that he believes these bidders are in fact political allies and by punishing private purchasers if they get stuck with a vacant property, taxpayer recoveries through the DASP will be reduced, further exacerbating the financial stresses placed on the FHA. Hensarling believes that he is witnessing “the gradual transformation of FHA from the mutual insurance program designed to help low income, moderate income, and first time homebuyers, into a social program designed to help special interest groups.”To conclude his statement before the committee hearing Hensarling stated, “It is surely worth repeating that there is no better foreclosure mitigation program than a job with growing wages and a bright future. Also, a bankrupt FHA and a bankrupt America can help no one stay in their home, much less afford them an opportunity to buy one in the first place.”Following Hensarling’s remarks, Ranking Member Maxine Waters (D-California) read her opening statement and criticized Republicans for “hijacking a very important topic in order to launch attacks on the Secretary, and the Department, rather than substantively examine the issues impacting working people in this country.”Waters highlighted the need for changes to the HUD’s Distressed Asset Stabilization Program so that it can better serve borrowers and remarked that HUD “has proposed some modest changes to help ensure that individuals are better protected when their loans are sold, and to help level the playing field when community-based organizations want to place bids.” Waters stated she felt Republican attempts to thwart improvements to the program were only to protect the interests of large corporations.To conclude her statement, Waters stated, “Make no mistake, this is not only an effort to impair HUD and other agencies from doing their jobs, but also to distract the American public from the real policy issues these agencies are working to address each day.”Castro, the lone witness at the hearing, began his opening remarks by thanking the committee for the opportunity to discuss the initiative, DASP, which he felt “is making an important, positive difference for American homeowners and their neighborhoods.”Castro stated that he believes since the Great Recession, the national housing market has made great progress and he believes HUD to have been beneficial in this turnaround by taking a number of steps to ensure the housing market remains positive for the economy.He continued by stating that since the program’s launch, HUD has modified DASP many times. In regards to the most recent changes to the program, Castro stated that he believes the changes are not politically motivated.“All of the program changes we will discuss today were designed with input from a broad range of stakeholders, all were assessed for how well they would fulfill our goal of strengthening neighborhoods, and all have been implemented with this Committee’s counsel in mind—including your direction, Chairman Hensarling, that any changes to DASP further protect the health of the MMI Fund,” said Castro.The hearing continued on with extensive questioning of Castro from both democrats and republicans. Some of the speakers during the hearing commended Castro for the changes made to the program and held fast to the idea that the changes were purely politically influenced. Still others believed though HUD’s changes were important to the program, there was still more changes that could be made to further improve the program.Politically motivated or not, as these changes are implemented it is safe to say all eyes will be on DASP’s progression towards the future. Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Kendall Baer Kendall Baer is a Baylor University graduate with a degree in news editorial journalism and a minor in marketing. She is fluent in both English and Italian, and studied abroad in Florence, Italy. Apart from her work as a journalist, she has also managed professional associations such as Association of Corporate Counsel, Commercial Real Estate Women, American Immigration Lawyers Association, and Project Management Institute for Association Management Consultants in Houston, Texas. Born and raised in Texas, Baer now works as the online editor for DS News. Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Previous: Heavner, Beyers & Mihlar, LLC Certified as a Women’s Business Enterprise Next: Landmark Network Acquires AppraisalPro Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Scrutinizing Stability: Are Changes to HUD’s Distressed Sales Program Motivated by Policy or Politics? August 12, 2016 3,137 Views Subscribe Demand Propels Home Prices Upward 2 days ago Share Save Related Articles 2016-08-12 Kendall Baerlast_img read more

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District Judge hits out at “inaccurate, unbalanced and incomplete” reporting

first_img Gardai continue to investigate Kilmacrennan fire Pinterest Further drop in people receiving PUP in Donegal Facebook Twitter By admin – November 23, 2015 Homepage BannerNews 75 positive cases of Covid confirmed in North The President of the District Court says “inaccurate, unbalanced and incomplete reporting of a statistical trend is a disservice to public interest”.Her comments come after the Courts Service came out last month to defend the rate of drink-driving convictions.Last month, figures to Independent TD Tommy Broughan from the Department of Justice showed only 40pc of drink-driving cases between Jan 2013 and May of this year resulted in convictions. The figure given for Donegal was 35%.Deputy Broughan described the figures as  unacceptable , particularly when compared with other jurisdictions like the UK, where the conviction rate is 97pc and the Road Safety Authority said it was concerned and disappointed with the low rate.However, the Courts Service refuted the figures, and found the rate here was in fact almost 90pc. It said the reporting of the lower rate was based on cases that hadn t been finalised yet.Today, The President of the District Court said “inaccurate, incorrect, unbalanced and incomplete reports of a statistical trend in a particular category of cases, is both a disservice to public interest and to public debate.Her Honour Judge Rosemary Horgan was speaking at the retirement of Judge William Early, who is stepping down after 22 years on the bench. RELATED ARTICLESMORE FROM AUTHOR Facebook Previous articleHarkin tells young people from Connaught Ulster- “You can rule the world”Next articleListen back to Delorentos, our special guests on The Weekend Edition admin center_img 365 additional cases of Covid-19 in Republic WhatsApp District Judge hits out at “inaccurate, unbalanced and incomplete” reporting Man arrested on suspicion of drugs and criminal property offences in Derry Pinterest Main Evening News, Sport and Obituaries Tuesday May 25th Twitter Google+ Google+ WhatsApplast_img read more

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