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Sunday, November 4, 2012
Saturday, November 3, 2012
Atlanta Housing, Foreclosures, Jobs, Politics: Now vs 2008 ...
Fulton County, Georgia: housing, foreclosures, jobs, and politics ? are we better off now as compared to 2008?
RealtyTrac has published some very interesting data related to the current real estate market, foreclosures, and unemployment in Fulton County. ?This includes the cities of Alpharetta, Atlanta, Chattahoochee Hills, College Park, East Point, Fairburn, Hapeville, Johns Creek, Milton, Mountain Park, Palmetto, Roswell, Sandy Springs, and Union City. RealtyTrac has various maps which show political data for each county (when available), as well as real estate, foreclosure, and unemployment statistics within that county.? The results for Fulton County, Georgia, are below.?
Presidential politics, 2008 vs. now.? In 2008, approximately 67.2% of Fulton County voters who voted supported President Obama and cast their votes for him.? It is considered a certainty that a majority of voters who cast ballots this November 6 in Fulton County will do so in support of President Obama.?
Foreclosure ?starts?, 2008 vs. now.? In 2008, approximately 11,517 properties in Fulton County fell into a foreclosure status.? Of course, this would generally reflect that those properties began to become distressed in early 2008 or earlier.? It is a surprise to see the numbers: the number of foreclosure starts in 2012 is approximately 7,043.
Average home sale price, 2008 vs. now.? In 2008, the average home sale price in Fulton County was approximately $172,073. This year it has been approximately $263,674.?
Percentage of residential real estate sales involving distressed properties, 2008 vs. now.? For purposes of this statistic, distressed sales are considered to be properties which are in some stage of foreclosure or are owned by the bank / mortgage loan lender.? In 2008, distressed sales represented 26.72% of all residential real estate sales in Fulton County.? By comparison, in 2012, those types of sales represent 33.19% of the total residential real estate sales in Fulton County, Georgia. This is an increase of 24.2%.
Unemployment rates in Fulton County, 2008 vs. now. In 2008, the unemployment rate in Fulton County was 7.3%.? Unfortunately, it is now 10.2%. This is an increase of 39.7%.
Regardless of whom our next President is, we very much hope that the statistics contained herein look much better as we get further into the next Presidential term.
McGrath & Spielberger, PLLC provides assistance to those involved in mortgage disputes, including borrowers in need of mortgage relief services such as mortgage loan modification, foreclosure negotiation, refinancing, and deed-in-lieu or other negotiated settlement resolutions.
McGrath & Spielberger, PLLC provides legal services to individuals and businesses in Florida, Georgia, North Carolina, Ohio, South Carolina, and Tennessee. For those who only want or need basic advice or legal analysis, or who only need a small amount of an attorney's time, the Firm offers legal advice consultations in thirty minute blocks for a flat fee based on how much time you need. This way, you get professional advice but also control the amount you spend. Click to find out more about McGrath & Spielberger's telephonic consultations.
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The Landscape of Learning: My Comment to a Controversial Blog Post
I read a blog post this morning that really got me thinking. ?I read about an educator who used to feel hopeless in the field of education. He became very negative and?cynical?regarding our education system today. ?Toward the end of the blog post I was refreshed to read that he?persevered and re-instilled hope and faith, both in himself and the field of education. However, there was once particular section of the blog post that I found to be very controversial, and I realized that many educators share the author's same frustration. ?I decided to put a positive spin on the issue to help remind educators that we need to continue to be resilient by motivating and inspiring our colleagues, future teachers, and our students to be the best that they can possibly be, especially when times are tough!
Below is an excerpt from the blog post, "Why I Continue Teaching"
As the weight of proposals such as these and standardized testing crushes my innovation, imagination, and creativity, I can no longer look anyone in the eyes and recommend that they become a teacher. It breaks my heart when my daughter says that she wants to become a reading teacher and the only thing I can think of deep down in my heart is ?please don?t let it happen.? I have been passionate about working with college students both as interns and student teachers. It has been one of the greatest benefits of my profession over the last 22 years. But this year I turned down a placement with me, and plan to continue to do so into the future. I can no longer assist people to become a part of a system that is hell bent on creating an educational genocide.
My comment that I posted on the blog
"As a fellow educator, I share your frustration during these times of education reform. However, I believe that we should not give up hope on teaching. I believe that it is more important now than ever to become a teacher in this demanding and rapidly evolving world. We need passionate, creative teachers who will lead our nation in education and challenge the minds of our students who will be running the world in the 21st century."
"We need to remain positive in education and know that each teacher can make a significant impact on our students. Teachers today can still find creative ways to successfully prepare students for their future AND meet state and national standards. We need to establish a healthy school culture by collaborating together to solve today?s problems in education. Negativity is contagious and creates a toxic environment to all of those exposed. Let?s stop complaining and start positively working together to collectively inspire new teachers and current teachers to be the change they wish to see in education! I have faith that if every teacher does his or her part, then we will have successfully reformed education. Let?s focus on the factors that we can control as teachers and make our best effort to positively improve those factors! Thank you for sharing your frustration, your vision and your commitment to the field of education!"
For your consideration
What might you have posted as a comment in response to?Why I Continue Teaching?
Reference
http://blogush.edublogs.org/2012/10/29/why-i-continue-teaching/
Source: http://www.thelandscapeoflearning.com/2012/11/my-comment-to-controversial-blog-post.html
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loan origination fee on va loan - bifid2002 - LiveJournal
How will you receive bank loan or even loan?
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Depending on your problem associated with house, work standing as well as revenue, it is possible to be entitled to a loan as high as $1500, and some creditors may lend a maximum of $500. You will have a chance to discover how much you be eligible for a just before agreeing to just about any loan contract.
There is certainly an important legitimate big difference from a present along with a loan. A really nice family member as well as good friend may offer you $5000 for car repairs, for instance. In case there's no expectation associated with repayment, the amount of money can be viewed a gift. The actual giver could not file suit for payment later on within a civil suit. However when the credit provider designates the amount of money just like a bank loan as well as the consumer pays back a buck, the money may very well be a legitimate bank loan and also the loan company could demand repayment whenever. Small claims legal courts spend a lot of time identifying no matter whether a financial transaction which includes money will be a gift or even loan. For this reason papers is important when making personal lending options to good friends or even family.
The requirements for getting that loan are pretty straight forward. If you are employed, having a regular monthly profits regarding $800 or maybe more, this will let you bank-account, you fulfill the fundamental requirements. Some loan companies within our network could have additional requirements.
Cash financial products are unsecured financial loans eliminated upon the following salary. Since they are short-term financial products, they may be little; varying from $100 to $1500 and also repayment comes to your next payday. They might be very useful regarding overcoming a quick financial urgent situation, but shouldn't be regarded as the long-term financial option.
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Most loan programs tend to be addressed by finance institutions or another professional lenders. They could make use of a various criteria to determine in case your potential customer is actually skilled for a financial loan. Past credit rating is practically usually considered, along with current revenue and also assets. The objective of the borrowed funds may also be an issue-a set up expense opportunity may have more appeal compared to an misguided concept for any new restaurant. One essential point could be the profits in order to financial debt percentage through the client. May the client have the ability to pay for the bank loan back again interest? Skilled loan providers basically 'sell' money, so debtors must be aware simply how much financing actually 'costs' when it comes to actual money.
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Source: http://bifid2002.livejournal.com/288051.html
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The Process Of Filing A RTI Application Is An ... - Work On the Internet
A citizen desiring to seek certain information can file an application containing a list of the required information (generally where more than one question is sought it is suggested the same be done point-wise) on a sheet of plain paper or one can download a prescribed form online. Where the application is made on a sheet of plain paper the citizen should clearly mention in its subject head that it is a ???RTI Application???. The application may be written or through electronic means and can be in English, Hindi or the official language of the area in which the application is made.
Further, as per the provisions of the RTI Act, the RTI Application should be accompanied with an application fee of prescribed amount by way of cash against proper receipt or Indian Postal Order (IPO) or demand draft (DD) or banker???s cheque payable to the ???Accounts Officer??? of the concerned public department. This prescribed amount is notified by rules made by the appropriate government (Centre, State). For example, the Central Government has made a rule of INR 10/- as the application fee. It may be noted that an inappropriately drawn IPO, DD or banker???s cheque can cause rejection of the RTI Application by the public authority.
As per the provisions of the RTI Act, there are officials designated as central public information officers (CPIO) and State public information officers (SPIO) within the public authorities to whom the RTI Applications should be addressed. The information on who is the concerned Central Public Information Officer or State Public Information Officer within each authority is available on their websites.
Where a citizen is not sure about whom to address his/her application as there is no access to the accurate details of the CPIO/SPIO, one can just address it to the ???Central or State Public Information Officer??? as the case may be followed by the complete address of the public authority. One of the suggested requisites of the whole process is to procure the correct and complete address of the concerned authority otherwise there can be chances where incomplete or improper addresses may cause the loss of the RTI Application in the process of dispatch.
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Source: http://www.workoninternet.com/business/reviews/miscellaneous/219655-article.html
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Samsung Galaxy Premier reaches the FCC without the LTE we crave
Samsung is learning to navigate the US regulatory maze quickly; its Galaxy Premier has already passed through the FCC mere days after it hit the newswires. The approval is very much a mixed blessing, however. While it helps confirm the hinted-at Superior codename and shows that HSPA 3G will work on AT&T and larger Canadian carriers, it's clear from the frequency mix that there's none of the LTE-based 4G that North American providers would demand for an official deal. While we weren't bracing ourselves for the Premier crossing the oceans, it does mean that Americans wanting Samsung's not-quite-a-Galaxy-S-III will have to either score a cheap import or hope one of the US networks has a change of heart.
Filed under: Cellphones, Mobile, Samsung
Samsung Galaxy Premier reaches the FCC without the LTE we crave originally appeared on Engadget on Fri, 02 Nov 2012 16:33:00 EDT. Please see our terms for use of feeds.
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Thursday, November 1, 2012
ConEd prepped for big storm, got even bigger one
Streets around a Con Edison substation are flooded as the East River overflows into the Dumbo section of Brooklyn, N.Y., as Sandy moves through the area on Monday, Oct. 29, 2012. Superstorm Sandy zeroed in on New York's waterfront with fierce rain and winds that shuttered most of the nation's largest city Monday, darkened the financial district and left a huge crane hanging off a luxury high-rise. (AP Photo/Bebeto Matthews)
Streets around a Con Edison substation are flooded as the East River overflows into the Dumbo section of Brooklyn, N.Y., as Sandy moves through the area on Monday, Oct. 29, 2012. Superstorm Sandy zeroed in on New York's waterfront with fierce rain and winds that shuttered most of the nation's largest city Monday, darkened the financial district and left a huge crane hanging off a luxury high-rise. (AP Photo/Bebeto Matthews)
This photo taken Tuesday, Oct. 30, 2012, shows what appear to be transformers exploding after much of lower Manhattan lost power during hurricane Sandy in New York. After a gigantic wall of water defied elaborate planning and swamped underground electrical equipment at a Consolidated Edison substation in Manhattan's East Village, about 250,000 lower Manhattan customers were left without power. (AP Photo/Karly Domb Sadof)
Consolidated Edision trucks are submerged on 14th Street near the ConEd power plant, Monday, Oct. 29, 2012, in New York. Sandy knocked out power to at least 3.1 million people, and New York's main utility said large sections of Manhattan had been plunged into darkness by the storm, with 250,000 customers without power as water pressed into the island from three sides, flooding rail yards, subway tracks, tunnels and roads. (AP Photo/John Minchillo)
FILE -In this Tuesday, Oct. 30, 2012, file photo, workers clear debris outside the Consolidated Edison power sub-station on 14th Street. After a gigantic wall of water defied elaborate planning and swamped underground electrical equipment at a Consolidated Edison substation in Manhattan's East Village, about 250,000 lower Manhattan customers were left without power. (AP Photo/ John Minchillo, File)
NEW YORK (AP) ? Blame a very high tide driven by a full moon, the worst storm surge in nearly 200 years, and the placement of underground electrical equipment in flood-prone areas for the most extensive storm-related power outage in New York City's history.
It's like what happened at the Fukushima nuclear complex in Japan last year ? without the radiation. At a Consolidated Edison substation in Manhattan's East Village, a gigantic wall of water defied elaborate planning and expectations, swamped underground electrical equipment, and left about 250,000 lower Manhattan customers without power.
Last year, the surge from Hurricane Irene reached 9.5 feet at the substation. ConEd figured it had that covered.
The utility also figured the infrastructure could handle a repeat of the highest surge on record for the area ? 11 feet during a hurricane in 1821, according to the National Weather Service. After all, the substation was designed to withstand a surge of 12.5 feet.
With all the planning, and all the predictions, planning big was not big enough. Superstorm Sandy went bigger ? a surge of 14 feet.
"Nobody predicted it would be that high," said ConEd spokesman Allan Drury.
At one point, nearly 1 million ConEd customers lost electricity in and near the city ? a record number for the utility. And the troubles didn't end as the storm slowly moved off. Con Ed said problems to its high-voltage systems caused by the hurricane forced the utility to cut power to about 160,000 customers in Brooklyn and Staten Island on Tuesday night.
But the signature event came when a surge of water pushed forward by the storm's winds poured over the banks of the East River near the substation on 13th Street.
As water poured into the substation Monday night, the blinding flash of an explosion lit the most famous skyline in the world. A huge section of the city that never sleeps fell into darkness.
It's exactly what a proactive ConEd hoped to avoid by shutting down three similar power networks in Manhattan and one in Brooklyn in advance of the storm surge.
However, the combination of circumstances, notably an extraordinary high tide, pushed massive amounts of water deep into the city. The underground infrastructure was suddenly vulnerable.
As the storm's predicted path zeroed in on New York City, ConEd brought on extra work crews and laid plans to shut down some underground equipment in lower Manhattan and other parts of the city.
By late Monday afternoon, the utility started to notify Manhattan customers south of 36th Street that power might be shut off if underground equipment was flooded with corrosive, destructive seawater. The company gave the same heads-up to some customers in Brooklyn, Queens and the Bronx.
By mid-evening, though, conditions had worsened. More than 150,000 customers in New York City and Westchester County were already off grid. The utility began turning off the power, as a precaution, to a section of lower Manhattan, including Wall Street, in an attempt to stem damage. Shortly afterward, the company began cutting electricity in parts of Brooklyn too; a total of 220,000 other customers were already in the dark.
Less than an hour later, more equipment flooded, sparks flew, and the blast boomed across the East River and throughout lower Manhattan from what ConEd believes was a circuit breaker at its flooded substation.
The flooded equipment had failed.
When live electric equipment is inundated with salt water, electricity escapes every which way, sending sparks flying and damaging equipment. "You see a huge blast just from the short circuit," says Arshad Mansoor, senior vice president for research and development at the Electric Power Research Institute, an industry-funded research group.
As day broke Tuesday, the company was busily assessing damage and fixing equipment. But downed trees and wires, as well as lingering flood waters, made it hard for repair crews to reach some areas. The utility was able to get at least 140,000 customers back on the grid within several hours.
But hundreds of thousands of others hunkered down for a longer outage. ConEd said customers served by underground equipment should be restored to service in four days. Those who get power from overhead lines are expected to wait a week. That's because there are so many fallen lines.
The most densely populated parts of the city, mostly in Manhattan and Brooklyn, are served by underground transmission wires. These offer protection from wind and falling tree limbs that plague overhead wires and make the suburbs far more vulnerable to outages.
But underground wires can flood and be more difficult to repair, especially in low-lying areas. It can be harder for workers to get to the wires because manholes flood. When water recedes, it can be harder to find problems, pull out wires and equipment, dry them, fix them, and slide them back into place.
The damage assessment could take days to complete.
To engineers like Joannes Westerink, a University of Notre Dame researcher who is working on a computer model for future New York City storm surges, this was all predictable.
"You build infrastructure too low, and you run into trouble," he said. "It's a recipe for disaster."
He said it's well known that New York City had spread to ever-lower zones in modern history. He cited Battery Park at the tip of Manhattan as a dramatic example.
ConEd could likely have shut down more networks served by the 13th Street substation before the storm arrived, but that would have meant cutting power to tens of thousands of people and critical facilities like hospitals. Even though hospitals have backup power generators, they too can fail. Generators at New York University Langone Medical Center went down Monday night, and patients were evacuated.
"You have to make the decision to shut off power to a substation very, very carefully, especially if it serves critical facilities," Mansoor said. The decision can turn into a lose-lose situation.
Despite the latest damage, Mansoor called the New York City system the most reliable in the world because it's normally well protected from weather and set up with backup equipment. That protects the city from minor disruptions and helps keep major disruptions from cascading through the city.
No system, he said, can be designed to withstand every storm, no matter how severe.
Carol J. Friedland, a Louisiana State University engineer who has studied the impact of flooding on electrical systems, said more measures should be taken to protect equipment in low-lying places. For example, sea walls can be raised, and equipment can sometimes be relocated.
"My personal opinion ... is that there should be more resilience built into these types of infrastructure, because when the power goes out, it disrupts the entire community," she said.
Massoud Amin, a University of Minnesota electrical engineering professor who has studied power outages, said the storm underscores the need to improve the nation's electric grid by stringing more high-voltage wire and using modern sensor technology to spot problems sooner, isolate damage, and speed recovery from outages.
"Our electrical infrastructure system is a marvel of engineering for the last century," Amin said. "The grid operators and the power companies are doing the best they can."
It is too soon to say if anything more could have been done to keep the New York City grid working. Under state regulations, ConEd will be required to file a report on the outage to the New York State Department of Public Service within 60 days of power restoration. That agency's staff will evaluate how problems were handled and if improvements can be made for the future, according to agency spokeswoman Pamela Carter.
___
AP writer Jeff Donn reported from Plymouth, Mass. and Dave Carpenter from Chicago. AP writers Scott Mayerowitz and David Koenig contributed to this report.
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