The Best Markets For Residential Property Investors 2 days ago July 2, 2020 861 Views 4.8M Jobs Added in June Economy housing market 2020 Jobs Report 2020-07-02 Mike Albanese Mike Albanese is a reporter for DS News and MReport. He is a University of Alabama graduate with a degree in journalism and a minor in communications. He has worked for publications—both print and online—covering numerous beats. A Connecticut native, Albanese currently resides in Lewisville. Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago Home / Daily Dose / 4.8M Jobs Added in June Share Save Previous: Mortgage Loan Delinquencies Record Highest Spike in Two Years Next: The Week Ahead: Signs of Improvement in Labor Market Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Print This Post Subscribe About Author: Mike Albanese The U.S. economy added 4.8 million jobs in June and the unemployment fell to 11.1%, according to data from the Bureau of Labor and Statistics (BLS).Data found the total number of unemployed people fell by 3.2 million to 17.88 million. Unemployment rates decline in June for adult men (10.2%); adult women (11.2%); teenagers (23.2%); African Americans (15.4%); and Hispanics (14.5%).The number of unemployed Americans who were temporarily laid off fell by 4.8 million in June to 10.6 million. This comes after that sector of the market fell by 2.7 million in May.However, the labor force participation rate rose by just 0.7 percentage points in June to 61.5%—1.9 percentage points below pre-pandemic levels.Odeta Kushi, First American’s Deputy Chief Economist, said the labor market’s improvement will “likely stall out” if COVID-19 is not contained.She noted housing has been one of the few sectors to experience a V-shaped recovery, however, said the course of recovery is dependent on the health of the labor market.“The wages data for the last couple of months has reflected the underlying shifts in hiring for low-wage workers. The case for housing recovery is that, even if wage growth and thereby household income moderates or falls slightly, historically low mortgage rates would continue to boost house-buying power,” she said.Realtor.com’s Chief Economist Danielle Hale said the slow reopening efforts are bringing workers back on the payroll and the market is “clearly moving in the right direction.” This direction will help consumers gain confidence in buying big-ticket items, such as homes“So far, the housing market has been resilient, as homebuyers are looking through what may be a short-term disruption and taking advantage of lower rates to buy homes, but the potential for long-lasting recovery may be needed for housing to hold its momentum into the fall,” Hale said.In May, the Bureau reported the U.S. economy lost 20.5 million jobs in April and the unemployment skyrockets from around 4% to 14.7%.CNN reported that this was the most-sudden decline on monthly job losses since data started being tracked in 1939.CNN adds the last time jobless was this severe was more than 80 years ago during the Great Depression, when the unemployment rate peaked at 24.9% in 1933, according to historical data by the BLS. The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago in Daily Dose, Featured, Market Studies, News Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: Economy housing market 2020 Jobs Report Demand Propels Home Prices Upward 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago
The National Credit Union Administration has accepted an offer of judgement for $129.6 million from the Royal Bank of Scotland, the agency announced today. This resolves claims arising from losses related to purchases of residential mortgage-backed securities by Members United and Southwest corporate credit unions.“NCUA has a statutory obligation to secure recoveries for credit unions and ensure that consumers remain protected,” NCUA Chair Debbie Matz said. “We can assure stakeholders that we will continue to aggressively pursue recoveries against Wall Street firms that contributed to the corporate crisis. Each recovery as well as our ongoing lawsuits further NCUA’s goal of minimizing the losses of the corporate crisis and future costs to credit unions.”The latest judgment brings the total amount obtained by the NCUA in legal recoveries to nearly $1.9 billion. Net proceeds go toward reducing the Temporary Corporate Credit Union Stabilization Fund assessments charged to federally insured credit unions. These funds pay for the losses caused by the failure of five corporate credit unions. continue reading » 10SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr
Clement himself initially stated “the time for me to be a number one is soon”, thanking Ancelotti for providing him with the belief he can make the step up after working alongside the Italian at not just Real, but also Paris St Germain and Chelsea. But Clement, whose brother Neil played for Albion for 10 years from 2000 to 2010, has now suggested his time with Real is far from over. “Working for Real Madrid is a fantastic experience and I’m very happy here at the moment,” said Clement on talkSPORT. “My family are settled and we’d like to stay and enjoy this experience. “I do have ambitions to make that step up to management at some point in the near future, and if the right club comes along at the right time then I’d like to do it. “But at the moment I’m just going to enjoy my time here.” When it was suggested to Clement a potential move may come sooner rather than later, he replied: “Possibly, but we’ll just have to wait and see. “I’m working at a fantastic club every day, we’ve great players here and we’re competing for big trophies. “Next year we’ll play in the game against the Europa League winners (the UEFA Super Cup); we’ll be in the World Club Championship as well as competing for the La Liga title, Copa del Rey and Champions League. “It’s exciting times for Real Madrid.” Paul Clement has ruled himself out of the running for the vacant manager’s post at West Brom. As assistant to manager Carlo Ancelotti at Real Madrid, and following the club’s 10th Champions League triumph on Saturday, Clement has shot to prominence and been linked with a number of roles. With Albion in search of a successor to the sacked Pepe Mel, the 42-year-old was being hotly tipped to move to The Hawthorns despite his lack of managerial experience. Press Association
The racing today is at Tramore. The first of a 7 race card goes to post at 4.10.
AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREGame Center: Chargers at Kansas City Chiefs, Sunday, 10 a.m.Wearing a brown shirt and beige pants, Queen Rania – an advocate of education, opportunities for youths and women’s empowerment – seemed to understand the students and where they’re coming from, even encouraging them to add a Middle Eastern person to their list of MySpace and Facebook friends. “It’s about reaching out,” she said. Her visit was arranged by the county Human Relations Commission, which in 2005 began working with the school, where a brawl among students prompted a campus lockdown. The school is among the most diverse in the Los Angeles Unified School District. In light of the violent incident, teachers began working with students to implement programs to improve student relations and conflict resolution. The queen, and mother of four young children, heard from some of those students, who talked about bridging the cultural divide. WOODLAND HILLS – The world’s youngest queen came to Taft High School on Wednesday, preaching a message of peace and understanding – a message the students knew all too well. For the past two years, they have established campus groups to bridge the gap between black and white, Muslim and Jewish, and gay and straight as a part of a program through the Los Angeles County Commission on Human Relations. So when Queen Rania Al-Abdullah of Jordan spoke to about 500 of the school’s 3,000 students Wednesday, she had a captivated audience. “It’s not just about accepting diversity,” said the 37-year-old queen. “It’s about understanding the value of diversity. We have to make that effort to challenge assumptions, to try to get to know that other person even if they look different than us.” One by one, they approached the podium, giving the queen examples of how they’ve eradicated prejudice and promoted understanding on campus. For example, Abraham Hernandez and Sergio Astorga used to be enemies, just because one lived in the 818 area code and the other lived in the 213. Astorga is now the co-president of the Heart/Blue Ribbon Committee, a program that addresses racial and ethnic issues. “Once rivals and now friends, Heart has put into perspective what is important in this world, and has helped tear down much of the hatred I once had towards him and his group,” Astorga said. Then there’s Shawna Varagen, an openly gay female student who walks hand in hand with her partner on campus. “We are all fighting the same battle, whether black, brown, Jewish, Muslim, gay or straight,” she said. “Taft has become a place where students feel safe and free to express themselves.” Taft Principal Sharon Thomas said the programs have helped students learn to get along. “They’ve made them more tolerant, less angry toward groups that are different to them,” she said. “I think what they heard loud and clear from the queen was to continue that work, (to) try to make a friend who is very different.” At the end of the queen’s appearance, she said Taft was the first high school she had ever visited in California. Then she added, to rousing applause, “I think I made the right choice.” [email protected] (818) 713-3699160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set!
Latest Premier League News Wilshere in action for West Ham against Wolves before the international break shining possible standings smart causal Oxlade-Chamberlain suffers another setback as Klopp confirms serious injury England’s most successful clubs of the past decade, according to trophies won 1 REVEALED silverware no dice Which teams do the best on Boxing Day in the Premier League era? Every current Premier League club’s best kit from the past decade REVEALED huge blow Jack Wilshere is an injury doubt for West Ham United’s clash with Everton on Sunday due to an ankle injury, according to reports.The England international arrived in east London on a free transfer from Arsenal with a history of troublesome injury problems behind him. However, after playing 38 times for the Gunners last season, it was hoped his days on the treatment table were over.But, according to The Daily Mail, the 26-year-old is said to be fighting for fitness after missing two days of training this week.The Hammers are rooted to the foot of the Premier League table without a win from their opening four games.New boss Manuel Pellegrini would have hoped to include Wilshere in his squad for the trip to Goodison Park. Where Ancelotti ranks with every Premier League boss for trophies won Son ban confirmed as Tottenham fail with appeal to overturn red card How the Premier League table could change after the Boxing Day fixtures Premier League Team of the Season so far, including Liverpool and Leicester stars The Toffees would be without 12 players on Sunday afternoon after an injury and suspension crisis has rocked the club.Club-record signing Richarlison is still suspended following his red card at Bournemouth and Seamus Coleman has suffered a stress fracture on international duty with the Republic of Ireland.
Share Facebook Twitter Google + LinkedIn Pinterest The Ohio State Fair Sale of Champions livestock auction, held Sunday afternoon in the WCOL Celeste Center, showcased Ohio’s premium livestock, premier Junior Fair exhibitors and generous supporters. On the sale bill were grand champion and reserve champion market lambs, market barrows and market beef, as well as grand champion market goat, a Thanksgiving Dinner to represent the champion poultry and a block of Swiss cheese to represent the six dairy champions.The Grand Champion Swiss Cheese represents the exhibitors Kinley Topp, Shelby County; Kyle Ackley, Logan County; Grace Hageman, Shelby County; Blake Greiwe, Logan County, Supreme Showman; Madelyn Topp, Auglaize County; Keenan Wolf, Wayne County; and Lane Greiwe, Logan County and sold to S&S Volvo and AG Boogher and Sons for a record-breaking $25,000.The Grand Champion Market Goat was exhibited by Paige Pence, Clark County, and sold to S&S Volvo AG Boogher and Sons, and JD Equipment for $17,500.Future poultry exhibitors, despite not having live birds at the fair this year, benefitted from the auction of a Thanksgiving dinner that sold to Gerber Poultry, Cooper Farms, Weaver Brothers, Case Farms, Hertzfeld Farms, Trillium Farms, Prairie Star Farms, Hemmelgarn and Sons, Cal Maine Foods, Sauder Amish Eggs, Hillandale Farms, Stoller Farms, Kalmbach Feeds, Wendel Poultry Service, Nature Pure, New Day Farms, Mercer Landmark, and Kroger for $26,000.The Grand Champion Market Lamb was exhibited by Bailee Amstutz, Union County, and sold to Meijer for $ 32,500.The Reserve Champion Market Lamb was exhibited by Logan Harvel, Fayette County, and sold to Kroger for $23,000.The Grand Champion Barrow was exhibited Troy Elwer, Allen County, and sold to Steve Rauch Excavation and Demolition and Concessions by Cox for $42,000.The Reserve Champion Barrow was exhibited by Ashton Dominique, Fulton County, and sold to Event Marketing, Huffman’s Markets, Ohio Farm Bureau, and Bob Evans for $26,000.The Grand Champion Market Beef was exhibited by Tyler Clark, Miami County, and sold to Kroger for $50,000.The Reserve Champion Market Beef was exhibited by Oliver McGuire, Champaign County and sold to Martin D. Yoder and Woodruff Enterprises for $22,000.
Security researcher Ralf-Philipp Weinmann says he has found a new way to hack into mobile devices – by using a baseband hack that takes advantage of bugs found in the firmware on mobile phone chipsets sold by Qualcomm and Infineon Technologies. Weinmann will demonstrate the hack on both an iPhone and an Android device at this week’s Black Hat conference in Washington D.C.Previously, mobile hacking attempts have involved the phone’s operating system or other software, but this one focuses on breaking into a phone’s baseband processor, which is the hardware that sends and receives radio signals to cell towers.Baseband Hacking DetailsIn an IDG News Service report as well as a report on LinuxInsider, this new hack is described in detail. In short, it’s a very technical undertaking which involves setting up a fake cell tower to communicate with the target devices. In past years, that was an impossible task due the costs involved – tens of thousands of dollars. But now, thanks to new open-source software called OpenBTS, anyone can build a tower with $2,000 worth of computer equipment. Mobile carriers are also making the necessary hardware more affordable, too, by providing femtocells to consumers in an effort to broaden their mobile coverage. These femtocells, like AT&T’s 3G MicroCell, are even less expensive; AT&T’s is just $150.00.To perform the attack, Weinmann sets up a rogue base transceiver station which is used to send malicious code over the air to the target devices. The code exploits vulnerabilities found in the GSM/3GPP stacks on the phones’ baseband processors. Says Weinmann, industry bodies like the GSM Association and the European Telecommunications Standards Institute have not considered the possibility of attacks like this.Should You Be Concerned?In addition to the cost of this particular hack – still a bit pricey – the code Weinmann wrote is notable because it involves in-depth knowledge of chipset firmware, something few hackers know much about, says the IDG news report.Essentially, Weinmann is helping open up a whole new vector for smartphone hacking, an avenue which is just now being explored by a handful of researchers. In August, for example, Chris Paget demonstrated cell tower spoofing at the Defcon hacking conference in Las Vegas, after getting last-minute permission from the U.S. Federal Communications Commission to do so. And in two months time, other researchers will demonstrate more baseband attacking techniques at Vancouver’s CanSecWest conference.In other words, this is still an emerging area for hackers.It’s too early to say what the ramifications are for this new baseband hacking technique, but for now security experts say that the general public shouldn’t worry about attacks like this coming in the near future.According to Sophos security consultant Graham Cluley, “if someone wanted to spy on your mobile phone conversations it would be easier to trick the user into installing an app that spied on them or gain physical access to the mobile to install some spyware code,” he said. “I would be surprised if anyone went to all of the effort that this researcher suggests.” What it Takes to Build a Highly Secure FinTech … sarah perez Related Posts Why IoT Apps are Eating Device Interfaces Role of Mobile App Analytics In-App Engagement The Rise and Rise of Mobile Payment Technology Tags:#Apple#Google#mobile#news#NYT#security#web
2.) Lack of DefinitionMarketing for a product makes an environmental claim that sounds good to the consumer but is too vague or general. Examples: a product is described as being non-toxic or without hazardous chemicals, when these definitions are only meaningful in specific contexts — many chemicals are non-toxic to the touch but harmful to ingest, for example. A radiant barrier paint product is advertised as having an incredibly high R-value, but the ad neglects to mention that it only insulates that well when installed on NASA spacecraft that see thousands of degrees of temperature differences. 4.) The Non SequiturA company uses a valid claim about a product as the basis for a further claim that is not warranted, but may on its surface appear to be reasonable. Example: A manufacturer accurately claims that its product is resistant to mold growth, but also implies or states that thus using the product improves the health of occupants — a claim that has some logic, but that really needs to be evaluated separately. 1.) Green by AssociationA company slathers itself and its marketing thoroughly in environmental terms and images so that even if its products have no environmental benefits, consumers associate them with positive environmental attributes. Examples: Gas-guzzling cars and trucks pictured in remote natural settings, or housing developments named for natural features that they have destroyed, e.g., “Conifer Lane.” 7.) Rallying Behind a Lower StandardA product earns an apparently valid, third-party certification — but the product’s manufacturer or trade association had influenced the development of the relevant standard in a way that makes the certification less meaningful than it appears. Example: The forest products industry catches hell in the early 1990s for environmental damages caused by logging, but rather than join the rigorous green standard that has already been developed, the industry bands together to create its own program with similar, but much more vague standards. 3.) Unproven ClaimsEnvironmental claims are made by a company, but the company cannot or will not provide evidence to back them up. Examples: A company claims to have implemented a new manufacturing process to increase its product’s recycled content, but doesn’t certify the claim. A manufacturer claims to have eliminated hazardous ingredients from a product but claims that due to trade secrets, it can’t reveal any specifics. 9.) Outright LyingEither intentionally or inadvertently, a company bends the truth, or simply ignores it. Example: A company claims that a product is beneficial to the environment, when it’s actually just less bad. Or a manufacturer claims that its product contains recycled content based on reuse of scrap within a manufacturing line — but that actually doesn’t meet the definition of recycled.I want to thank Terrachoice, which publishes the “Seven Sins of Greenwashing,” for helping inspire this list, which Jennifer and I first wrote over three years ago for our article, Behind the Logos: Understanding Green Product Certifications. We like their list, too, but we see some distinctions that we like to highlight.What are examples of questionable green claims that you’ve seen recently? Want help evaluating them? Let me know.Tristan Roberts is Editorial Director at BuildingGreen, Inc., in Brattleboro, Vermont, which publishes information on green building solutions. You can learn more at www.BuildingGreen.com.Last week’s Energy Solutions post: New and Improved Cotton Insulation Still Doesn’t Work 6.) Bait and SwitchA company heavily promotes the environmental attributes of a single product, while selling and manufacturing a bulk of otherwise similar products that lack the same environmental attributes. Example: A company sells cedar shingles that are certified as sustainably harvested, earning acclaim, but produces the product in such little volume at such an increased price that most of its sales resulting from the attention are for non-certified products. I am going to go out on a limb here, but I would bet that sometime in the last 24 hours you have received a marketing message centered around how “green,” how “environmentally friendly,” or (if it’s really serious), how “sustainable” something is.Whether or not we believe in these claims is a matter of some debate. The 2011 Cone Green Gap Trend Tracker found that an 97% of Americans believe they know what common environmental marketing claims such as “green” or “environmentally friendly” mean. Apparently we have seen enough of these claims to know what they’re all about.But do we? Our interpretations are often inaccurate, according to the researchers. More than two in five of us (41%) erroneously believe that these terms mean a product has a beneficial impact on the environment. Only about one in three (29%) understand that these terms more accurately describe products with reduced environmental impact compared with competing products.That study seems to indicate a lot of willingness to believe what the marketers tell us. However, a study from the U.K. has a somewhat different story to tell. In that study, by the Carbon Trust, only 7% of respondents take companies at their word when they say that they are reducing their climate impacts. More than half (53%) say they are concerned that companies make one-time improvements to win publicity, before returning to business as usual. Did the study ask different questions, or are the Brits more skeptical?Sorting out the green from the greenwash has become a necessity for U.S. builders and designers. To help, my colleague Jennifer Atlee and I have developed a guide to common problems: we cleverly named it “Nine Types of Greenwashing” when we included it in our dare-I-say essential report on green building product certifications. We also have eagle eyes for these types of issues when we are setting standards and selecting green products for our GreenSpec product guide. Here are the nine types. 8.) Reluctant EnthusiastA company lobbies against new environmental measures, claiming that they will be too costly. Particularly if it’s losing the battle however, it hedges its bets, publicly embracing similar measures — while continuing to resist them behind the scenes. Example: “Beyond Petroleum.” 5.) Forgetting the Life Cycle, a.k.a. The Red HerringA company chooses one easily understood aspect of a product’s environmental profile to improve and highlight, while ignoring other significant impacts — sometimes out of ignorance; sometimes as an intentional effort to divert attention. Example: A company touts the high recycled content in its countertops, but it uses a lot of embodied energy and carbon to make them, and uses binders with human health impacts.