first_imgArchDaily Save this picture!© Roland HalbeText description provided by the architects. One of the most interesting characteristics that you notice once you get to the place is that despite being in the middle of an urban building mass, you can find limited views of the fields and meadows in the valley located in the higher part of the surrounding mountains. Our first aim was to recover this double quality of the place, making the project urban and rural at the same time. It was essential to model the rigid traditional urban block of seven different heights to end up building a new volume of variable heights (three to seven stories), containing the complete residential program required. The rest of the program (storage rooms, garage and facilities) was designed in a common underground basement. We wanted the building to match the environment, voids and cuttings which allowed the view of the mountains in the empty spaces between the buildings, fragments of the Asturian landscape in the distance, enabling the sun and the air to enter the inner space at the same time. Save this picture!© Roland HalbeWe proposed a return to the origins of the site. An inner world that takes us back to the fields that could no longer be seen, an urban room with fragmented borders, attracting the inhabitants of Mieres through its doors, open to the city. Opening the block was another of our priorities, and we managed to avoid turning the interior space into a forgotten back area, making it the center of the social meeting of its inhabitants as well as a place worth seeing. The day spaces of the apartments face the plaza, hence generating activity in its surrounding facades. The access was designed by breaking the block in two of its corners, creating diagonal space tension. The entrance to the apartments passes through this intermediate space, activating it and generating the necessary neighborhood relationship. The plaza was designed with a slight slope that absorbs the natural inclination of the site and gently links all the levels of access and main entrances. The landscaped green areas are slightly higher, containing the spaces for the exclusive use of the ground floor apartments, separating them from the public circulation areas. The space is built with concrete blocks of varying porosity, low concrete walls, which serve both as a plant container and as a bench, and native grass and groups of bamboo plants. Save this picture!© Roland HalbeThe dual nature of the project results in a double material configuration. On the one hand the urban face materializes in steel and brings back the more industrial and mining image of Mieres, the former main economic engine of the city. Once inside the building we looked for a rural reference, a return to nature and the origins of the site, the Asturian traditional porch, the use of wood, which reminds us, through its vertical rhythms, of the forests of the nearby mountains. The outer skin serves as facade and cover at the same time. It is built with panels of dark gray steel corrugated sheets, and is treated as a protective shell and as a continuous rugged casing in which the edges are rounded. The inside of the building has a double skin, a transparent one formed by large windows that define the inner space of the apartments, and another one composed of movable wooden shutters that characterize the terraces, allowing the user to control solar radiation and have the necessary degree of privacy at all times. Save this picture!Floor PlanThe housing units share the urban and rural vision of the project . They have double orientation enabling cross ventilation and view. The houses are organized by means of a central core of bathrooms that divides them into day and night spaces. The daytime areas face the inner plaza and have large windows to profit from the valuable sunlight in Asturias, while the night areas, with more controlled openings and equipped with blinds, face the city. The housing units were generated adding up consecutive 2.60 meters modules , providing one, two, three and four bedroom units, thereby responding to the multiple types of apartments required. The terrace, one meter deep, is presented as a visual and spatial extension of the apartment. It is intended to serve as an exterior gallery made of wooden planks bordering the entire inner perimeter of the building. A radiant floor system with centralized heat production and individual distribution has been installed, completed with a simple home domotic system which, among other features, allows control of the facility. The building also captures solar energy through the panels installed on the flat roofs to support partly the production of hot water. The structural underground system consists of a large slab of foundation and a structure of concrete walls and pillars. Above the ground the system is mixed, based on one-way concrete slabs on standardized tubular supports and steel bracings which allowed faster implementation, and greater economy and clearness of the space. Save this picture!SectionProject gallerySee allShow lessImagine Our Digital Future and Join the Glass House Conversations’ Last Online Dialo…Architecture NewsBallymahon / ODOS architectsSelected ProjectsProject locationAddress:Calle Valeriano Miranda, 45, 33616 Mieres, Asturias, SpainLocation to be used only as a reference. It could indicate city/country but not exact address. Share Apartments ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/393277/vivazz-mieres-social-housing-zigzag-arquitectura Clipboard photographs:  Roland HalbePhotographs:  Roland HalbeCollaborators:Alejandro García, Pedro Magro, André Albuquerque, Joana Martins, Diana Jusdado, Emma Palenzuela, Manuel SayagoStructure Consultant:Jesus HierroFacilities Consultants:PGI Group, DYA Engineers, AdoberConstruction Company:Vias y ConstruccionesQuality Control Company:CadesaArchitects:Bernardo Angelini, David CasinoTechnical Architect:Alberto López DíezCity:MieresCountry:SpainMore SpecsLess Specs ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/393277/vivazz-mieres-social-housing-zigzag-arquitectura Clipboard Photographs 2010 Spain Vivazz, Mieres Social Housing / Zigzag ArquitecturaSave this projectSaveVivazz, Mieres Social Housing / Zigzag ArquitecturaSave this picture!© Roland Halbe Share “COPY” Projects 2010 CopyApartments•Mieres, Spain “COPY” Architects: Zigzag Arquitectura Area Area of this architecture project Vivazz, Mieres Social Housing / Zigzag Arquitectura Year:  Year:  Area:  17840 m² Area:  17840 m² Year Completion year of this architecture project CopyAbout this officeZigzag ArquitecturaOfficeFollowProductsWoodSteelConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousingApartmentsMieresMieres del CaminoWoodHousingSpainPublished on June 28, 2013Cite: “Vivazz, Mieres Social Housing / Zigzag Arquitectura” 28 Jun 2013. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogMetal PanelsAurubisCopper Surface: Nordic DécorGlassMitrexSolar PanelsPanels / Prefabricated AssembliesTechnowoodPanel Façade SystemSealantsAGROB BUCHTALHow To Benefit From Ceramic Tiles With Hytect SurfaceSignage / Display SystemsGoppionDisplay Case – Q-ClassFacade SystemsTrimoTrimoterm FTV in the BASE – Backing wallSkylightsVELUX CommercialModular Skylight Ridgelight in Office BuildingDoorsVEKAFront Doors – SOFTLINECurtain WallsRabel Aluminium SystemsMinimal Curtain Wall – Rabel 35000 Slim Super ThermalResidential ApplicationsULMA Architectural SolutionsVentilated Facades on Building in PamplonaDoorsLibartVertical Retracting Doors – Panora ViewAccessories / TV MountsYellow Goat DesignScreens – BlossomMore 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 streamlast_img read more

first_img Year:  Photographs ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/769078/house-in-burst-de-smet-vermeulen-architecten Clipboard Houses Year:  “COPY” ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/769078/house-in-burst-de-smet-vermeulen-architecten Clipboard Projects “COPY” 2013 House in Burst / De Smet Vermeulen architectencenter_img CopyHouses•Erpe-Mere, Belgium Save this picture!© Dennis De Smet+ 26 Share ArchDaily 2013 Belgium photographs:  Dennis De SmetPhotographs:  Dennis De Smet Save this picture!© Dennis De SmetRecommended ProductsWoodBruagBalcony BalustradesEnclosures / Double Skin FacadesRodecaRound Facade at Omnisport Arena ApeldoornWoodAccoyaAccoya® Cladding, Siding & FacadesWoodTechnowoodPergola SystemsText description provided by the architects. The house stands along a country road between two parish churches on a large stretch of land sloping down toward the street. What should a country house look like today – the question was immanent. One would expect a small cottage parallel to the road with a barn behind it.Save this picture!© Dennis De SmetWe wanted something just as proper. The lofty barn and the cottage with its dormer windows grew into one volume. The skin reveals these transformations. The smaller rooms along the street façade communicate with the living rooms sitting higher on the slope.Save this picture!SectionTogether they constitute both a split-level house with interconnected rooms and a sequence of separate atmospheres. Abstraction is muted by equivocal reminiscences. The combination of rustic and bourgeois imagery in the interiors projects an openness to different views. Airtight, energy efficient, robust and made of renewable resources the house was built to last.Save this picture!© Dennis De Smet“The house has to serve comfort. The work of art is revolutionary; the house is conservative.” Adolf LoosSave this picture!SectionProject gallerySee allShow lessGLH / AHL Architects & AssociatesSelected ProjectsBeacons of Pride: #LoveWins in These Illuminated BuildingsArchitecture News Share House in Burst / De Smet Vermeulen architectenSave this projectSaveHouse in Burst / De Smet Vermeulen architecten Architects: De Smet Vermeulen architecten Year Completion year of this architecture project CopyAbout this officeDe Smet Vermeulen architectenOfficeFollowProductsWoodBrick#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesErpe-MereBelgiumPublished on June 26, 2015Cite: “House in Burst / De Smet Vermeulen architecten” 26 Jun 2015. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogVentilated / Double Skin FacadeTechnowoodClick Façade SystemWindowsMitrexSolar WindowMetal PanelsAurubisOxidized Copper: Nordic BrownAcousticKvadrat AcousticsAcoustic Panel System in AMOREPACIFIC HeadquartersStonesCosentinoSilestone® Surfaces – Loft SeriesWoodLunawoodThermo Timber and Industrial ThermowoodLightsLouis PoulsenOutdoor Lighting – Flindt PlazaTiles / Mosaic / GresiteLove TilesPorcelain Tiles – NestAluminium CompositesMetawellAluminum Panels for Interior DesignMetallicsRHEINZINKZinc Roof Systems – Double Lock Standing SeamStoolsWilkhahnOffice Stool – Aline-SBulbs / Spots / Wall LightsUniosHorticultural Luminaire – Kobe FloMore 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 streamlast_img read more

first_imgArchitects: MO+G Taller de Arquitectura Area Area of this architecture project Year:  “COPY” Manufacturers: Expresiones en madera (carpinterias Orozco, MACOPISA, POLIACERO, Yeso SupremoSave this picture!Courtesy of MO+G Taller de ArquitecturaRecommended ProductsDoorsLinvisibileLinvisibile Curved Hinged Door | AlbaDoorsGorter HatchesRoof Hatch – RHT AluminiumWindowspanoramah!®ah!38 – FlexibilityWindowsJansenWindows – Janisol PrimoText description provided by the architects. The project is developed around a central patio, which illuminates and generates views from the interior spaces and circulations, resulting in a fusion between the exterior and the interior.With the purpose of reducing the footprint of rudeness and respecting the regulated height limit, it is proposed to depress the natural level of the terrain. The program is developed on platforms that lower half levels from the street level. Thanks to the small difference in level between platforms and the auxiliary patios, the spaces are always illuminated, ventilated and in contact with the outside.Save this picture!Courtesy of MO+G Taller de ArquitecturaThe house is divided into two ships. One is the social and services area, where the link between the areas allows the project to be versatile in its different uses. The second is the two-level ship with the night areas that are separated from the first volume, giving greater privacy and independent views to each space.Save this picture!Courtesy of MO+G Taller de ArquitecturaSave this picture!PlansSave this picture!Courtesy of MO+G Taller de ArquitecturaSave this picture!SketchSave this picture!Courtesy of MO+G Taller de ArquitecturaThe main facade is closed and simple, it pretends to be a minor construction. It works like a visual filter that refrains from revealing its interior. The transitions between the program are open, taking advantage of the climate qualities in the area.Save this picture!Courtesy of MO+G Taller de ArquitecturaThis project proposes to generate traditional atmospheres, so the construction systems reflect the work of the hand craft. The roofs are based on wooden structures similar to traditional roofs. The exterior walls are not covered by paint, allowing the pigmented plaster to generate different  hues on them. Inside, the walls are covered with plaster in its natural color, making the light reflect the artisanal work.Save this picture!Courtesy of MO+G Taller de ArquitecturaProject gallerySee allShow lessOpen Call-School of ArchitectureIdeasUK Announces Plans to Work with Survivors and Families to Create Memorial on Grenfel…Architecture News Share Frondas House / MO+G Taller de Arquitectura “COPY” Mexico CopyHouses•Zapopan, Mexico 2017 ArchDailycenter_img Projects Area:  240 m² Year Completion year of this architecture project Houses Manufacturers Brands with products used in this architecture project Frondas House / MO+G Taller de ArquitecturaSave this projectSaveFrondas House / MO+G Taller de ArquitecturaSave this picture!Courtesy of MO+G Taller de Arquitectura+ 17Curated by Danae Santibañez Share ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/889832/frondas-house-mo-plus-g-taller-de-arquitectura Clipboard ShareFacebookTwitterPinterestWhatsappMailOrhttps://www.archdaily.com/889832/frondas-house-mo-plus-g-taller-de-arquitectura Clipboard CopyAbout this officeMO+G Taller de ArquitecturaOfficeFollowProductsWoodConcreteBrick#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesZapopanMexicoPublished on March 05, 2018Cite: “Frondas House / MO+G Taller de Arquitectura” 05 Mar 2018. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogPartitionsSkyfoldVertically Folding Operable Walls – Zenith® SeriesVinyl Walls3MExterior Vinyl Finish – DI-NOC™ StoneShowerhansgroheShowers – Croma SelectDoorsRaynorGarage Door – Advantage SeriesConcreteSika3D Concrete PrintingSignage / Display SystemsGoppionDisplay Case – Bre-ClassSkylightsVELUX CommercialModular Skylights in Atelier Zimmerlistrasse OfficeWindowsswissFineLineSliding Windows in Villa LakesideSuspension SystemsMetawellAluminum Panels for Smart CeilingsGlassDip-TechDigital Ceramic Printing in Roofs & CanopiesSound BoothsFrameryMeeting Pod – Framery Q – Flip n’ FoldWall / Ceiling LightsAsaf WeinbroomLighting – Linestra 110 BrassMore 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 streamlast_img read more

first_img Yahoo! has launched a Christmas Kissathon to raise funds for Shelter.Yahoo! has launched a Christmas Kissathon to raise funds for Shelter. In addition to voting for Britain’s Best Christmas> Kissmeister visitors are encouraged to download a sponsorship form and charge £1 per kiss to friends, colleagues or other appropriate contacts. The event finishes on 10 January 2002. Advertisement Howard Lake | 5 January 2002 | News  12 total views,  1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis 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. The online event has been promoted by banner ads and on radio stations.It was launched by pop group Liberty and sponsorship forms were distributed around central London, according to New Media Age.Visit Yahoo’s Kissathon. AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis Yahoo raises funds for Shelter with Kissathonlast_img read more

first_img Facebook Twitter By Gary Truitt – Oct 14, 2013 Indiana Soybean Harvest Wrapping Up Stephanie SmithAnother week without a USDA crop progress report, but on the ground sources say the Indiana soybean harvest in the north is about done.  Farmers have been focusing on getting the soybean crop in and many hope to finish by tonight. According to Stephanie Smith, agronomist with DuPont Pioneer in NE Indiana, “Dry weather over the weekend had a lot of guys working to finish their soybeans ahead of rain that is forecast this week. I would estimate we are about 70% on harvesting soybeans.” She says soybean yields have been surprisingly good, “I have heard averages from 50 bpa up to 80bpa.” She added the numbers are coming in a lot better than she would have thought even a month ago. Facebook Twitter Previous articleGrowth Energy’s Buis Responds to RVO RumorsNext articleDuPont Pioneer Field Agronomy Update Gary Truitt SHARE Smith told HAT most growers will be switching to corn later this week but that corn dry down has been slow, “Most of the corn is about 20% moisture, but it has been that way for quite a while. We are not seeing a lot of field drying this year.”  She said it appears that this year there just isn’t going to be any 18% moisture corn to harvest. She, like many agronomists we have talked with, are quite concerned about stalk strength and worry that many corn plants will not be able to stand in the field much longer, “I think we have corn that can only stand to be in the field for another 2 to 3 weeks.”  She said disease, weather, and nitrogen depletion have all weakened corn stalks to the point where lodging is a serious concern. Listen to the complete interview here SHARE Audio Playerhttps://www.hoosieragtoday.com//wp-content/uploads//2013/10/pioneeragronomyreport.mp300:0000:0000:00Use Up/Down Arrow keys to increase or decrease volume. Home Indiana Agriculture News Indiana Soybean Harvest Wrapping Uplast_img read more

first_imgNews PeruAmericas Organisation Latin America’s community radio – a key service but vulnerable RSF_en Reporters without borders expressed concern over reports that Moisés Wolfenson, owner of an opposition press group, was threatened with imprisonment byindividuals close to President Alejandro Toledo if he refused to modify hisnewspapers’ editorial line in favour of the current government. “If confirmed, these practices would be a sad reminder of those in force during the presidency of Alberto Fujimori, when he threatened legal sanctions against the directors of television networks that criticised his management,” stated Robert Ménard, the organisation’s secretary-general.In a letter to President Toledo, Reporters without borders called for an inquiry into the authenticity of the threats and for the perpetrators to be punished.According to information obtained by Reporters without borders, on 22 June 2002, Radio 11.60, an all-news radio station in Lima, revealed that Wolfenson was allegedly threatened by individuals linked to President Toledo during a meeting. Theradio station broadcast an extract of a recording of a conversation, tapedby anti-corruption police without the knowledge of the parties involved, inwhich one can hear Salomón Lerner, head of a public financial organisation,threaten Wolfenson with imprisonment if he refuses to modify hispublications’ editorial line in favour of the government. Wolfenson hasconfirmed the recording’s content. He is the owner of the dailies ElChino, El Men, Todo Sport and La Razón, a newspaper close to theopposition party of ex-president Alan García (leftist). Accused of receivingbribes from Vladimiro Montesinos, the former intelligence chief duringPresident Fujimori’s regime, Wolfenson has been subject to house arrest forthe last month. News Help by sharing this information June 24, 2002 – Updated on January 20, 2016 Press group owner threatened by individuals close to President Toledo Latin American media: under control of families, economic and political elites Receive email alertscenter_img News April 1, 2020 Find out more PeruAmericas December 4, 2019 Find out more to go further News Follow the news on Peru February 10, 2017 Find out more China’s diplomats must stop attacking media over coronavirus reportinglast_img read more

first_imgLinkedin Limerick TD says GLAS payments welcome but ‘much more action’ needed to support Agri-sector Advertisement Previous articleAdare improvement works ‘premature’Next articleLimerick Council makes great strides on the Great Southern Trail Alan Jacqueshttp://www.limerickpost.ie NewsLocal NewsFormer Limerick Mayor’s lesson in ethnicityBy Alan Jacques – November 12, 2015 672 Twitter TAGSAdare-Rathkeale municipal districtAskeatonCllr Kevin Sheahanethnic groupFianna Fáillimerick RELATED ARTICLESMORE FROM AUTHOR Minister Patrick O’ Donovan announces opening of Limerick heritage site to the public for the first time Printcenter_img WhatsApp Top Fianna Fáil councillor will reject Green coalition deal by Alan [email protected] up for the weekly Limerick Post newsletter Sign Up Cllr Kevin SheahanAN Irish person living in Ireland cannot be part of an ethnic group unless they first came here from another country.That’s the view of former mayor Cllr Kevin Sheahan.Speaking about crime in County Limerick at this Tuesday’s Adare-Rathkeale Municipal District meeting, the Fianna Fail politician said that people claiming to be of a separate ethnic group should first look up the meaning of the word ethnicity.“It derives from the Greek vocabulary. Before someone claims to be part of a separate ethnic group they must first have come from another country. An Irishman living in Ireland cannot be part of a separate ethnic group,” Cllr Sheahan explained.“They waffle on about being part of an ethnic group for what benefit? Benefits far too common in certain areas,” he claimed.“This is blatantly happening all over Askeaton. They haven’t done a day’s work in their whole lives and they get everything. Other people who have worked their entire lives can’t get a fair slice. We don’t regard the people who deserve it. We should be on the side of the law-abiding citizen who pay their taxes.” Decision to enter Phase 4 of reopening Ireland deferred to August 10 Fianna Fáil TD Niall Collins appointed as Minister of State Facebook Askeaton/ Ballysteen bring Easter joy to local community Emaillast_img read more

first_img About Author: Brian Honea Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Demand Propels Home Prices Upward 2 days ago Low Mortgage Delinquency Levels Stabilize Consumer Credit Market Share Save Servicers Navigate the Post-Pandemic World 2 days ago November 16, 2015 3,397 Views Demand Propels Home Prices Upward 2 days ago Tagged with: Consumer Credit Mortgage Delinquencies TransUnion The Best Markets For Residential Property Investors 2 days ago Related Articles Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Previous: Rosenberg & Associates Hires New Attorney Next: Delgado Calls for National Solutions on ‘Vacant Home Epidemic’  Print This Postcenter_img Home / Daily Dose / Low Mortgage Delinquency Levels Stabilize Consumer Credit Market Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago in Daily Dose, Featured, Foreclosure, News Mortgage delinquency rates continued their trend of year-over-year double-digit declines in the third quarter of 2015, which contributed to the strong performance of consumer credit markets during Q3, according TransUnion’s Q3 2015 Industry Insights Report released Monday.While aggregate revolving credit balances rose by $13.5 billion and non-revolving debt jumped by $249.5 billion year-over-year in Q3, average revolving balances declined at the consumer level by 3.9 percent down to $10,931 from Q3 2014 to Q3 2015. Increased access to credit by non-prime consumers, who typically have lower credit limits, drove the decline in average revolving balance at the consumer level. Non-revolving debt at the consumer level also declined by 0.3 percent year-over-year in Q3 down to $113,973 per consumer on average at the end of the quarter.“Consumer credit performance continued to be healthy in the third quarter of 2015. Delinquencies for mortgages continued to drop, while both auto and credit card default rates remained near all-time lows,” said Ezra Becker, VP of research and consulting in TransUnion’s financial services business unit. “Overall balance growth reflects consumer optimism and increased access to credit. Lenders are offering credit to consumers across the risk spectrum, and consumers are using that credit responsibly. We are poised to continue this positive momentum into the holiday season.”The rate of delinquent mortgages, which TransUnion defines as 60 or more days overdue on a monthly mortgage payment, dropped by nearly 30 percent year-over-year in Q3 from 3.36 percent down to 2.40 percent. Q3’s delinquent mortgage rate of 2.40 percent is about 65 percent lower than its peak of 6.94 percent in Q2 2010.“The decline in serious mortgage delinquencies is continuing and even ramping up, with steadily increasing absolute drops over the last year,” said Joe Mellman, VP and head of TransUnion’s mortgage group. “We believe this is due to a combination of factors, including strong performance by recent vintage mortgage loans, improving home prices, and the continued funneling of delinquent accounts through the foreclosure process.”Mortgage delinquencies declined by anywhere from 27 to 30 percent in all age groups, with millennials (1.62 percent) and age 60-plus (1.77 percent) posting the lowest rates. Also, every state experienced a year-over-year decline in mortgage delinquencies; Florida had the largest decline, falling from 6.42 percent in Q3 2014 down to 3.75 percent in Q3 2015.Click here for more insights on TransUnion’s report. Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily The Best Markets For Residential Property Investors 2 days ago Subscribe Consumer Credit Mortgage Delinquencies TransUnion 2015-11-16 Brian Honealast_img read more

first_imgStefan Havadi-Nagy/iStock(NEW YORK) — Claudia Danford sat on the couch in the living room with her host mother in Rabat, Morocco last week, watching an announcement on TV that the country was effectively shutting down due to novel coronavirus concerns.Danford, an American student from the University of Vermont in Burlington, was less than two weeks into what was supposed to be over a month of education and cultural immersion in Moroccan life.“We went from thinking we might stay there for the whole semester to leaving as soon as possible,” she told ABC News.Following the announcement on Sunday, March 15, Danford said the next four days were a blur of finding any option for her and at least 27 classmates to get home — all of whom were enrolled in a study abroad program focused on climate change through the School of International Training.Her group was only a small fraction of the more than 1,000 Americans who found themselves suddenly stranded in the popular tourist destination. But she and others quickly realized they would have to rely on their universities and their connections instead of the U.S. government to get them out, an advantage that hundreds of other Americans did not have.“I remember sitting in the hotel lobby at 2 a.m. with probably 8-10 other students, everybody kind of frantically on the phone with their airlines or checking online to see what seats were still available,” Valerie Chia, a graduate student who was also in Morocco, told ABC News. Her study abroad program was through the business school at the University of Pennsylvania (UPenn).Amid the growing threat of COVID-19, the Moroccan government suspended all international passenger flights and passenger ships to and from the country beginning Sunday evening — canceling every contingency plan Chia had made for the upcoming week.That’s when she turned to the U.S. Embassy in Morocco, hoping to get more information on the possibility of repatriation flights for American citizens. She said she didn’t hear back for almost four days.“What was challenging was just not knowing or having a timeline,” Chia said of the lack of response from the embassy. “Are they working on it? Are they going to have an update? They’re not picking up the phone or not responding to emails, is this all in vain?”While empathetic to the high volume of questions the embassy was receiving, she said she wished there had been more communication to alleviate the uncertainty many Americans were feeling.“A lot of the frustrations could have been saved if they even had an automated email of like, ‘Hey, we’re going to send an update once a day, just to give you a recap on where things stand,’” she said.Danford decided early on that she wasn’t going to rely on the government to help her return to Boston.“It seemed like getting back via the State Department was kind of a shot in the dark,” she said. “A really, really long shot in the dark.”In the end, neither Danford nor Chia ended up waiting for the government’s response.Jaime Molyneux, the director of international risk management at UPenn, chartered a private plane for eight students — including Chia — from Casablanca Mohammed V International Airport to London Luton Airport on March 19.From there, the students took ground transportation to London Heathrow Airport and booked commercial flights to their final destinations. According to Molyneux, the university was able to cover costs of the private flight with an emergency fund.Chia and two other UPenn students filled three of the available seats — and the rest went to students from Brown University and Princeton University, she said.“One thing when it comes to international emergencies — something that’s really important that some universities just don’t have — is access to emergency cash,” Molyneux told ABC News.Asked about how much it cost to charter the plane, Molyneux declined to give an exact number, but said it was “significant” and shared with the two other universities.She said she wondered how her partners at state schools have managed the “crisis” in getting their study abroad students home, especially for those without access to the same financial resources.“We are very privileged to have lots of systems backing us up that other travelers who are traveling alone wouldn’t have,” Bailey Kroop, a junior at Brown University and one of the passengers on the private plane, told ABC News.Kroop said the trip would not have been possible without the support of Brown, SIT and her travel insurance company, International SOS.“What ended up getting us out were connections and money and institutions,” she said. “I really feel like institutions were so much more powerful than the U.S. government.”Danford echoed those sentiments, telling ABC News that she and 23 of her peers secured seats on a Ryanair flight, which had been chartered for European citizens, also on March 19. They found out about the flight through a travel agent that a student’s parents knew.The flight went from Marrakech to London Stansted Airport, then the students took a bus to Heathrow and booked commercial flights back to the cities closest to their respective homes.Danford said the entire trip cost her around $1,100, which was covered by SIT.Kate Casa, the communications director for SIT, said the program covered up to $1,000 in change fees for every student — and anything beyond that was assessed on a case-by-case basis.Because of the increased risks of exposure to coronavirus from the extra stop at Stansted, Nicholas Stahelin, the director for SIT’s climate change program, said the Ryanair flight was not SIT-endorsed. However, he said their staff still offered support to the students who chose this option.“We had to take them from Casablanca to Marrakech very early in the morning,” Stahelin said. “We provided support at the airport. We let them know that we will reimburse them for their flights and other travel expenses.”Putting aside the risks associated with the Ryanair flight, Stahelin commended the group for taking initiative.“I admire how some students decided to take matters into their own hands and be very resourceful, self-organize and get themselves out,” he said.Before they had a definitive way home, both Danford and Chia contacted their respective senators and representatives, asking their family and friends to do the same.Danford said she leveraged her university connection when contacting Vermont Sen. Patrick Leahy. In a statement to ABC News, David Carle, a spokesman for Leahy, said the office has advocated not only for Vermonters stranded in Morocco, but also for those in other countries, including Peru and Ecuador.“Thanks to his many years as Vice Chairman of the Appropriations subcommittee that funds the State Department and the relationships he’s developed over many years, they’ve been particularly responsive to his inquiries and concerns,” Carle said in the statement.Chia said she felt her group’s attempts to reach their lawmakers helped “drum up momentum,” even though she ultimately found an alternative way back.“I do think the combined efforts of having coverage across multiple offices and showing that this is a situation affecting citizens of all different states probably accelerated the response on the ground,” she said.After initially encouraging Americans to get on flights chartered by the United Kingdom and France that were repatriating European citizens earlier in the week, the State Department began chartering its own flights, which started departing March 20.A single ticket had a sticker price of $1,485, which covered a flight from Marrakech to London and a connecting flight from London to the individual’s choice of 10 cities in the U.S.Around 1,200 Americans have evacuated Morocco on these flights, according to a senior State Department official.Danford touched down in Boston on March 20, calling the experience “surreal.” She said she was prepared to be stuck in Morocco for weeks, just as many other Americans still are.“It just seemed like this near impossible, miracle travel,” she said. “It was just insane that it actually happened.”NOTE: The State Department is urging all Americans stranded overseas to enroll in the Smart Traveler Enrollment Program (STEP) at step.state.gov so that they receive the latest information, including on possible repatriation flights, from the local U.S. embassy. Americans can also call the department and its new repatriation task force at 888-407-4747 within the U.S. or 202-501-4444 outside the U.S.Copyright © 2020, ABC Audio. All rights reserved.last_img read more

first_imgPhil Feyerabend/iStockBy JULIA JACOBO, ABC News(UNIONTOWN, Pa.) — The National Guard has been brought in to assist a Pennsylvania nursing home experiencing an alarming spike in COVID-19 cases.On Dec. 1, the Mount Saint Macrina Manor in Uniontown reported that several residents and staff members had either tested positive for the virus or were exhibiting new respiratory symptoms. As of Monday, an additional resident and staff member had tested positive for the virus, according to the nursing home’s website.State officials reported that 34 residents tested positive in a one-week period, according to ABC Pittsburgh affiliate WTAE.The spike is attributed to indoor gatherings associated with the Thanksgiving holiday, Sister Ruth Plante, the operator of the nursing home, told WTAE.Since March, the nursing home reported it has had a total of 138 cases of COVID-19. No one other than staff has been allowed inside the facility since the pandemic began.The service members will not be assisting with resident care but will help maintain the facility, Plante said.Copyright © 2020, ABC Audio. All rights reserved.last_img read more