Equifax | Equifax Reports Home Finance Delinquencies In March …
ATLANTA, May 2, 2012 /PRNewswire/ ?According to Equifax ?s March National Consumer Credit Trends Report and Creditforecast.com , a joint product of Equifax and Moody?s Analytics , total delinquent first mortgage balances are under $500 billion in March 2012, the lowest since Jan. 2009. As of March 2012 there were a total of 49.5 million outstanding first mortgages, nearly an 11% decrease from the peak of more than 55 million in March 2008. The decline is caused by high foreclosures and loan payoffs and low homebuyer demand.
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Of delinquencies within existing home equity credit lines, an overwhelming 79% come from loans originated from 2005 to 2007. The number of revolving home equity loans is at a five-year low, with 11.6 million outstanding as of March 2012. Credit levels are also continuing to drop, falling 25% from the peak of $1.3 trillion in 2008.
Other highlights of the data:
First Mortgage
Mortgage balances were 3.5% below their year-ago level in March, having now posted year-over-year declines in the previous 36 consecutive months.
Seventy-one percent of all first mortgage delinquencies are from loans taken out in 2005-2007.
The share of first mortgage loans transitioning from current status to 30-days past due is at its lowest level since June 2007.
The share of first mortgages transitioning from 60-days past due to 90 days past due is at its lowest level in 59 months.
Loans in severe delinquency status, defined as those 90 or more days past due or that have started the foreclosure process, has fallen steadily over the 24 months ended March 2012 and now stands at $477 billion.
Home Equity Revolving Credit
Existing balances have dropped 17% from March 2009 to 2012, as home loan originations struggle while foreclosures force write offs.
New home equity lines of credit opened in January 2012 were 16% higher than the recession low of $4.3 billion in Jan. 2009, but 67% lower than Jan. 2008 ($15.2 billion).
Utilization rates, the ratio of balance to credit limit, have stayed at or near 55% since March 2009, although since that time the available credit declined from $575 billion to less than $470 billion.
Home Equity Installment Loans
Home equity installment balances have dropped 46%, down to $150 billion in March 2012 from $275 billion in March 2008.
In March 2011, delinquent balances in foreclosure totaled nearly $862 million. In March 2012, that number had decreased nearly 30% to $604 million, the lowest since mid-2007.
Total delinquency rates in March 2012 are 14% lower than in March 2011.
?The residual effect from the recession and housing bust continues to be an obstacle for both lenders and borrowers in the housing market,? said Equifax Chief Economist Amy Crews Cutts. ?We?re seeing effects of the economic recovery within existing accounts in the form of fewer delinquencies and foreclosures, but not a substantial amount of new activity as home sales and resulting new home financing fail to keep pace with payoffs and foreclosures.?
About Equifax, Inc.
Equifax is a global leader in consumer and commercial information solutions, providing businesses of all sizes and consumers with information they can trust. We organize and assimilate data on more than 500 million consumers and 81 million businesses worldwide, and use advanced analytics and proprietary technology to create and deliver customized insights that enrich both the performance of businesses and the lives of consumers.
Headquartered in Atlanta, Equifax operates or has investments in 18 countries and is a member of Standard Poor?s (SP) 500 Index. Its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX . For more information, please visit www.equifax.com .
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Concussion crisis growing in girls’ soccer
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By Kate Snow, Sarah Koch, Deirdre Cohen and Jessica Hopper
Rock Center
Fifteen-year-old Allison Kasacavage, once a rising soccer star in Pennsylvania, is slowly recovering after suffering debilitating concussions while playing the game she loved.
?It?s almost like I need a sign on my back saying, ?My head is broken.? And you can?t see it. It?s like not visible and it?s like not many people understand, ?said Allison in an interview with Rock Center?s Kate Snow airing Wednesday, May 9, at 9 p.m. ET/8 p.m. CT.
Allison, who lives with her family in Chester Springs, Pa., has had at least five concussions.? She is only able to attend school four hours a day.? Her room is lit with soft blue light to ease her headaches and her family now eats dinner by candlelight.?
She is one of hundreds of girls across America each year who suffer concussions while playing soccer.?
?People who think of concussions as only being present mostly in guys and mostly in the sport of football are just plain wrong,? said Dr. Bob Cantu, who is chairman of the surgery division and the director of sports medicine at Emerson Hospital in Concord, Mass. ?Soccer is right at the top of the list for girls.??
With the steady popularity of youth soccer, there are more female youth soccer players than ever, with girls making up 48 percent of the more than 3 million kids registered in US Youth Soccer leagues.
Cantu said that the country is in the midst of ?a concussion crisis? and that studies show girls are reporting nearly twice as many concussions as boys in the sports they both play.
?Concussion Crisis? impacting girls? soccer
The number of girls suffering concussions in soccer accounts for the second largest amount of all concussions reported by young athletes, according to the American Journal of Sports Medicine.? (Football tops the list.)
?What?s happening in this country is an epidemic of concussions, number one, and the realization that many of these individuals are going to go on to post-concussion syndrome, which can alter their ability to function at a high level for the rest of their lives,? Dr. Cantu said.?
Allison still remembers when she suffered her first serious concussion in October 2008. ?It came when she collided with another player on the field.?
?When I like got up, my head was like pounding,? Allison said.??There was, like, a pulse in my head. It was like the strangest thing.? There was a heartbeat in my head and I had no idea what it was and why it was there.? I have never felt that before and I was just so confused,? she said.
After Allison had apparently healed from the concussion, she returned to soccer.? She?d been a star player since she was six years old, working her way up to one of the top teams in Pennsylvania.? She said that her identity had been wrapped up in the game and she felt pressure to please her coaches.
Allison said that she was nervous about heading the ball, but continued to do it.?
?If you didn?t head the ball, you were like the weakest link,? Allison said.
When heading, players attempt to use their foreheads to direct the ball, often jumping with opposing players, a move that can lead to collisions between players, bumped heads and strained necks.? Dr. Cantu says that the act of heading is one of the most dangerous parts of soccer because players often collide.
Allison suffered a third concussion in her final season of soccer and another two off the field, the latter because her spatial awareness had been impacted from her previous concussions and she hit her head on a table and other furniture, her mother said.
Her parents said that they knew about the danger of concussions in sports like football, but it wasn?t until Allison had her first serious head injury that they realized what a big problem concussions can be in soccer.
?I think that we were blind to what was going on around us because, yes, it was about the team.? It was about the winning. It was about all the, it was almost like a routine of, like I said, an awful lot of practices and you just went through it and really your lives rolled by with soccer being the most important thing,? said Lex Kasacavage, Allison?s father.
Sports psychologist Richard Ginsburg says that enthusiasm for the game and the kids by parents and coaches, while well-meaning, might be making the concussion crisis worse.
?We get wrapped up,? said Ginsburg, the author of ?Whose Game is it Anyway??? ?We want success for them and so sometimes we get, we lose perspective.? It doesn?t make us terrible people. It just makes us human. ??
NBC News
In Allison?s town of Chester Springs, about 30 miles from downtown Philadelphia, she is not alone.? She has bonded with at least five other 14 and 15-year-old girls who have suffered concussions while playing soccer.??
?My main friends are actually people that have head injuries,? said one of the teens, Kimmie Zeffert, 14.? ?I?ve become so close with them because I can relate to them.? They understand what I?m going through.?
Kimmie had her first concussion when she was 12.
?I took another head ball and then I don?t even remember,? she said. ?The next thing is I got, apparently, got elbowed in the back of the head. But (when) the coach asked me if I wanted to come out, I was like, ?No, I?m going, I?m going to stick it through.?
Those hits — heading the ball and being elbowed by a player in the head — ended her soccer career.
Kimmie?s teammate Jenna Rohr made the same choice to continue playing in her game after getting hit in the head.
?I didn?t want to quit,? she said.??I didn?t want to let my team down because, like, so many people already had concussions on the team.?
Both Jenna and Kimmie have been unable to make it through a full day of school for almost two years.? They still suffer from intense headaches, dizziness, nausea and vision problems.?
Along with their physical ailments, several of the girls NBC News spoke to have struggled with depression since leaving soccer. Some have taken anti-depressants. One teen soccer player, who is returning to the sport after suffering a concussion, said that she felt so terrible at one point that she even thought about suicide.
Despite their experiences, the teens still love soccer and say they don?t discourage their former teammates from the sport.
?I think like speaking for all of us, like we would do anything to just be able to play one more game,? Jenna said.
Should heading be banned from girls? soccer?
Dr. Cantu has made the bold proposal that heading be eliminated from youth soccer under the age of 14.? He said girls, because of their anatomy, may be especially vulnerable to concussions.
?Girls as a group have far weaker necks,? Cantu said.? ?The same force delivered to a girl?s head spins the head much more because of the weak neck than it does the guys.?
New research suggests some body types may be more at risk than others.
?We believe that individuals with very long, thin necks may be at greater risk,? Cantu said.
With this evidence, Cantu said, ?I would hope it would not only make parents look at their daughters, but make every one of those parents insist their daughters are on a neck strengthening program if they?re playing a collision sport.?
Brandi Chastain, the Olympian who helped the United States win a World Cup, strongly disagrees with Cantu?s proposal to eliminate heading from girls? soccer.
?It?s a part of the game and I think it?s an important part and I think it?s a beautiful part of the game, to be honest with you,? she said.? ?I would never want to see that go away, but there?s a right way to do it. There?s a protective way to do it.?
Chastain said that girls need to be taught to create protective space around their bodies.? She says heading isn?t dangerous if it?s done correctly.
?I circle back to education and preparation and I put that on parents and coaches because the kids don?t know any better,? Chastain added.??You know, they just want to go out there and play, but if we can educate them in a fun environment that?s safe, that teaches them the skill and gives them the confidence to try it and then they can put it into practice in the game.?
Back in Pennsylvania, the girls and their families are trying to educate people based on their own experiences.? Despite their concussions, though, they say they don?t want to discourage girls from playing soccer.
?Please don?t go and not play soccer because it?s such a great opportunity for the girls to just prove themselves and challenge themselves and make friends and travel,? said Wendy Zeffert, mother of Kimmie.? ?But be aware.?
Editor’s Note: Kate Snow’s full report, ?Contact Sport,? airs Wednesday, May 9, at 9 p.m. ET/8 p.m. CT on NBC’s Rock Center with Brian Williams.
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Wisconsin Democrats pick mayor to challenge governor
MILWAUKEE (Reuters) – Wisconsin Democratic primary voters on Tuesday picked Milwaukee Mayor Tom Barrett to face controversial Republican Governor Scott Walker in a recall election next month, a test of labor union strength in a battleground state before the November general elections.
Barrett lost the Wisconsin governor’s race to Walker by 5 percentage points in 2010. Since then, Wisconsin has been split by what Barrett called a “civil war” over Walker’s drive to curb union power in the state.
“Wisconsin cannot afford to continue to suffer through Walker’s ideological civil war,” Barrett said in a statement after he was declared the winner.
Walker infuriated Democrats and labor organizations weeks after taking office in 2011 by pushing a measure through the Republican-led legislature that curbed the collective bargaining power of public-sector unions.
The law set off massive protests at the capitol in Madison. In January, Walker’s opponents submitted more than 900,000 recall petition signatures to the state elections board, triggering a June 5 recall election of the governor.
Walker easily won the Republican nomination on Tuesday.
“Democrats are so angry with Walker, this election is about the ‘Not Walker’ factor,” said Timothy Dale, assistant political science professor at University of Wisconsin, Green Bay.
If he loses, Walker would become only the third U.S. governor to be removed from office by recall election.
Barrett, a moderate Democrat who has said he would try to restore civility to government, defeated Dane County Executive Kathleen Falk, who was more confrontational and received most of the support of labor unions.
Falk congratulated Barrett and told supporters that the next four weeks “may be the most important in our state’s history.”
“If we all keep working together, in 28 days we may get our state back on track,” she said.
Republicans quickly hit back at Barrett, saying he had a “failed record” as Milwaukee mayor.
“Over the next four weeks, it will become even clearer to Wisconsin voters that Tom Barrett represents nothing more than the failed policies of the past, and it’s Governor Walker who is moving our state forward.”
A poll taken before Tuesday primary vote had Walker and Barrett virtually tied in the recall election.
Almost everyone in Wisconsin has already decided what they think of Walker, leaving only 5 percent to 6 percent of voters undecided in recent polls.
The key to the outcome is likely to be which side does the best job of turning out its vote, analysts said.
Wisconsin is also seen as a battleground state that will be hotly contested between U.S. President Barack Obama and likely Republican nominee Mitt Romney in the November 6 elections.
Walker’s union law forced public-sector employees such as teachers to pay a portion of the cost of health insurance and pensions, capped wage rises and required their unions to be recertified every year.
While the union measure is the reason Democrats are trying to recall Walker, the issue has not been the focus of their attacks so far in the campaign. Polls show Wisconsin voters, like those across the nation, are more focused on jobs.
Democrats have hammered Walker since a U.S. Bureau of Labor Statistics report showed Wisconsin lost 23,900 jobs, the most for any state, from March 2011 to March 2012.
Money from campaign contributions is flooding into the state with conservatives supporting Walker and unions backing the Democrats. Walker raised $13 million from January 17 through April 23, according to finance reports filed in Wisconsin – more than seven times the combined amount raised by Barrett and Falk.
(Reporting by Brendan O’Brien; Editing by Mary Wisniewski and Greg McCune. Desking by Christopher Wilson)
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Nokia announces string of new Lumia app partnerships at CTIA
CTIA is gaining momentum, and Nokia has just announced a slew of new app partnerships for its Lumia line at the show. Sports fans can look forward to PGA Tour, a dedicated app to cover the golfing action, while the ESPN sports hub will get a series of updates, plus an exclusive Lumia-only Fantasy Football app in autumn. Gamers will get new treats from EA — including FIFA, NBA Jam and more — and Rovio, which is creating a dedicated development team to create titles for Nokia Windows phones. Other notable names on the list to either get a new app or an update include Groupon, PayPal, Time, NewsWeek and more. Be sure to poke the source link for the full list.
Nokia announces string of new Lumia app partnerships at CTIA originally appeared on Engadget on Tue, 08 May 2012 12:50:00 EDT. Please see our terms for use of feeds.
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Who?s ?old school?? (Powerlineblog)
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Capital One Acquires Mobile Savings Startup BankOns, Team Moving To Capital One Labs
San Francisco-based?BankOns, an early stage mobile startup, has been acquired by Capital One and will now be incorporated into Capital One’s Digital Labs.?This very young company was founded in summer 2010, and launched in May 2011, with the aim of offering tools that would allow banks to reward users based on their geo-location and their purchase history. Investors in the company include Dave McClure’s 500 Startups and financial consultant Mark Greenough, who had put in during the friends and family seed round.?The amount of the seed round nor the deal terms were disclosed. Investors in the company include 500 Startups and financial consultant Mark Greenough, who had put in during the friends and family seed round.?The amount of the seed round nor the deal terms were disclosed.
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Rimac quells Concept_One doubters, shows its EV supercar’s pedal to the metal (video)
O ye unfaithful, believe. For those of you who saw Rimac‘s preview of its Concept_One electric supercar and were skeptical of that claimed 2.8-second 0-62MPH time given all the leisurely putting around, the Croatian automaker has followed up with a video proving that this isn’t your daddy’s EV. It turns out that the 1,088HP-equivalent motor is quick enough to leave a lot of rubber on the tarmac, thank you — both from a very enthusiastic start and from a healthy amount of drifting. This won’t change the need to both drop $980,000 and get in quick on that 88-unit production run, but if you were worried that there wouldn’t be a torch-bearer for high-speed EVs during the Tesla Roadster’s hiatus, Rimac just put that anxiety to bed.
Rimac quells Concept_One doubters, shows its EV supercar’s pedal to the metal (video) originally appeared on Engadget on Mon, 07 May 2012 16:35:00 EDT. Please see our terms for use of feeds.
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Lenovo to invest $800 million into new mobile device development facilities
The world’s second (or third) biggest PC manufacturer has announced plans to invest $800 million in a new mobile product-centric facility. Lenovo wants to get closely involved with the lucrative world of smartphones and tablets, promising that several thousand employees at the new base in Wuhan will focus on new mobile devices for both China and overseas. Lenovo’s pegged to launch the K800, one the first Intel-powered Android phones, at the end of the month, but this marks a concerted effort to advance both its tablet and phone collections — and offer up more space for those other side projects.
Continue reading Lenovo to invest $800 million into new mobile device development facilities
Lenovo to invest $800 million into new mobile device development facilities originally appeared on Engadget on Mon, 07 May 2012 06:31:00 EDT. Please see our terms for use of feeds.
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Amanda Bynes Adds Another Mishap to Her Driving Resume
We’re just going to say it: Driving is not Amanda Bynes‘ forte.
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Boxer Dogs: 10 Points air max pas cher You might Not Know about …
Legend says when God was fashioning different breeds of dog out of clay, he arrived to his final job and made the decision to create the most stunning air max dog at any time and get in touch with it a Boxer?. But this new breed of dog was vain and rushed to see himself inside the mirror just before the clay was properly set and bumped headlong into his personal reflection. That accounts for that flat nose characteristic of the Boxer, as well as proves that God really did achieve his style for your world?s most beautiful dog! Here are an additional ten points you may not currently learn about Boxer canines ..
The Boxer Pet dog Who Cheated Death and Became a Tv Star Rather
In 1985, a white boxer pet dog called Bomber was snatched from a vet?s surgery by an bestial nurse and afterwards appeared in the United kingdom tv sequence, Oliver Twist. It seems the dog?s previous owners, Tony and Elaine Chapell, made the decision to put the puppy to sleep when they learned he did not quite fit new Kennel Club requirements for his breed! In filming he was produced to appear flea bitten, dirty and covered in sores. Bomber even had a dressing space all to himself and was congratulated on giving a fantastic efficiency. Well carried out Bomber, and shame on individuals who gave up on him!
A Boxer Canine With His Personal Admirer Club
A boxer pet dog known as George was employed in media advertisements within the early 1990s and grew to become so well-known that he ultimately had a fan club all to himself. George?s unusual expressions appeared in ads. for Coleman?s Mustard and eventually the pet dog became a family title and also created guest appearances at public features and schools.
The Boxer Pet dog Using the Longest T-o-n-g-u-e!
A boxer dog air max referred to as Brandy featured on Ripley?s Think It Or Not on account of her extraordinary 17 inch long tongue! Brandy, from Michigan, USA, was purchased from a neighborhood breeder in 1995 and her new proprietor was assured the pet dog would eventually grow into her l-o-n-g t-o-n-g-u-e! She didn?t and on tv she was revealed carrying out antics including consuming from a bowl 13 inches away. Her owner, John Scheid, states brandy likes sunbathing and even gets tan lines on her tongue, but states the gorgeous boxer is match, content and wholesome, so her unique function isn?t an issue in any way. She even has her very own web web site at: tungdog
Zoe, The Boxer Puppy Who Arrived Back again to Lifestyle!
Zoe?s proprietor, Cathy Walker, from Manuden, near Bishop?s Stortford within the United kingdom, has been told by a medium that she?s surrounded by all the pets she has missing. That definitely appears true of Zoe, a tan and white boxer bitch who died numerous a long time in the past, aged eleven. The Daily Mail (November 6th 2001) printed an wonderful photograph of the bark of the tree under which Zoe spent her last day, showing what are only able to be referred to as the image of a boxer canine inside the bark. Cathy tells how she can be a great believer in life soon after demise and statements the picture of Zoe has strengthened that perception.
The White Boxer Pet dog Who Obtained Loathe Mail
To everyone who enjoys canines generally, and Boxer canines in particular, Solo was as gorgeous air max pas cher as any other of her breed. To her proprietor, Joyce Lang, she was far more than simply beautiful, she was a continuous friend, a significantly cherished family members member. But not absolutely everyone believed the same way and, surprisingly, in 1982, in Burgess Hill inside the United kingdom, an anonymous letter arrived addressed to Solo, declaring: ?I feel you are the ugliest dog I have ever before noticed.? What type of human could create this kind of nonsense is outside of most people?s comprehension, and almost certainly the letter was meant primarily to upset Joyce, an aim the hateful author most certainly achieved. Letters continued to come stating: ?Why don?t you receive your learn or mistress to take you for a face elevate ?. 1 even contained a paper bag which the sender said ought to be placed over Solo?s head! When nearby newspapers observed the story the headlines proclaimed that beauty is constantly inside the eye with the beholder and in Joyce?s and other pet dog lover?s eyes, Solo was gorgeous.
Somewhat Boy?s Tribute to His Pet Boxer, Lance
This story appeared inside the Faithful Buddy (Writings About Proudly owning and Loving Pets) and involved dog proprietors within the U.s. who usually loaned their pets to the military in Globe War Two. Lance, a Boxer, worked with Dogs for Defence which at some point became the noted K09 Corps, and belonged to a family with youthful youngsters, one a boy who wrote this letter to Dogs for Defence: My Boxer, Lance, was inside the air max army given that final June. I?ve not observed anything about him since I received a certificate in the Quartermaster General. The number on it had been 11281. I love Lance really a lot and need to know if he?s undertaking anything brave. Are you able to remember to inform me exactly where he?s and what kind of the job he does Make sure you solution shortly since I can?t wait significantly longer to know what has become of him?.
Origins with the Boxer Dog
What we all know regarding the origins of most breeds, such as the Boxer, is largely owed to early sculptures, painting and drawings. In the Boxer?s case, a carving of a puppy seeking considerably like a boxer may be seen on a tomb in Arnstadt exactly where lies Elizabeth of Hohenstein who died in 1368. Flemish tapestries from the sixteenth and seventeenth centuries display canines resembling the Boxer engaged in stag- and boar-hunting.
German Origins
Boxer dogs became very common in Munich where the breed is believed to get originated. But the historical past in the breed has not been without controversy. In reality the first Boxer Club within the Uk was closed since of disagreements more than virtually every thing pertaining to Boxers. By 1905, even so, one of the most enthusiastic followers from the German Boxer achieved to develop a regular for that Boxer which could be taken by all. The Munich Boxer Club drew up the regular which exists largely unchanged even nowadays.
Boxer Canines in The united states
The initial Boxer pet dog in America was imported in 1903 from Switzerland. The newest owner from the puppy was Ny Chief Justice from the Court of Appeals, Irving Lehman who imported many other Boxer dogs. The very first Boxer pet dog registered with the American Kennel Club was in 1904. The dog was Arnulf Grandenz, bred in The usa by James Welch of Illinois.
Boxer Canines in Warring Countries
The boxer puppy attained rapid popularity shortly following the 2nd Globe War ended, ironically much more prominently in nations previously opposed in war using the Boxer?s most likely native residence, Germany. Listen to what Rowland Johns says air max pas cher inside our Friend The Boxer: The re-emergence from the Boxer breed has added evidence that warring nations do not have their antagonisms for lengthy in to the relations in between them and also other nations? canines. Both using the Alsatian along with the Boxer their popularity derives straight from the contacts produced for the duration of a state of war. In people two wars the adoption of each breeds by members of the British forces supplied some individual satisfaction and uplift of the spirit in extended durations of exile from home, loved ones, and friends.?
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