Archive for : September, 2019

Rumah zombie adalah ancaman nyata di kondominium

Terakhir kali saya menulis tentang pemilik hantu, yaitu investor yang menyewakan unit kondominium mereka atau pemilik yang pergi untuk waktu yang lama. Kali ini, ini tentang rumah zombie, mis. Rumah dibiarkan kosong untuk waktu yang lama karena penyitaan atau lebih mungkin karena pemilik telah meninggalkan properti ke bank dan hanya pergi. Seharusnya saya menyimpan dua kolom ini di dekat Halloween. Mendesah.

Untuk lebih jelasnya, rumah zombie ada dengan frekuensi yang lebih sedikit daripada yang ada di tahun-tahun terakhir karena ekonomi masih, semacam, pada lintasan sedikit ke atas. Dalam, itu menjadi masalah nyata ketika banyak unit kosong dan salah satu bank tidak menyita, atau mereka telah menyita, tetapi tidak menjual unit karena ada lebih banyak utang pada hipotek daripada unit akan menjual di pasar terbuka. Tetapi di beberapa titik, ekonomi akan melambat dan ketika itu terjadi, akan ada semakin banyak rumah kosong, jadi yang terbaik untuk mengetahui tentang mereka dan apa yang harus dilakukan sebelum itu menjadi masalah nyata.

Misalnya, bulan Agustus yang lalu, ATTOM Data Solutions, sebuah database properti nasional, merilis Vacant Property dan Zombie Foreclosure Report kuartal ketiga. Saya tidak mengada-ada. Itu menunjukkan ada lebih dari. juta rumah keluarga tunggal dan kondominium kosong di Amerika, sekitar.% dari semua rumah. Bukan persentase yang besar, tapi tetap saja,. juta. Itu banyak rumah kosong.

Rumah zombie semacam itu bisa menimbulkan kekhawatiran. Begitu mereka mulai berantakan, terutama di asosiasi pemilik rumah karena halaman tidak dipotong, jendela mungkin rusak, berpihak dapat robek, retak di jalan masuk, dan sebuah rumah gelap di malam hari, itu adalah undangan untuk penjahat, terutama sekarang di tengah-tengah epidemi opioid.

Tapi itu bisa membuat masalah dalam asosiasi kondominium juga. Biasanya sedikit kurang masalah karena sebagian besar pekerjaan eksterior dilakukan oleh asosiasi kondominium, tetapi jika dalam asosiasi kecil bahkan satu unit tidak membayar penilaian kondominium, maka mungkin sulit untuk melakukan perbaikan pada semua unit. Lebih sedikit uang, jika ada, dimasukkan ke dalam cadangan untuk perbaikan modal, jadi ketika tagihan datang karena pemilik yang membayar kadang-kadang dinilai lebih banyak daripada yang seharusnya dinilai jika semua unit ditempati dan membayar biaya kondominium.

Satu asosiasi di Negara Bagian New York beberapa tahun yang lalu memiliki dua unit dari itu adalah rumah zombie. Tetapi karena perbaikan atap yang sedang berlangsung di seluruh proyek dan biaya modal, pemilik yang tersisa harus membayar $ ekstra, hampir $ tambahan, per unit. Dan jangan lupa pemeliharaan rutin.

Suatu asosiasi mungkin harus, misalnya, membayar untuk menyalakan unit selama musim dingin untuk memastikan pipa tidak membeku. Dan kemungkinan tidak bisa hanya menguras pipa dan menutup panas karena mungkin menjadi sangat dingin sehingga meningkatkan biaya pemanasan unit tetangga.

Jadi, untuk HOA atau asosiasi kondominium, rumah zombie dapat menciptakan masalah keuangan nyata.

Apa yang harus dilakukan tentang hal itu? Jadilah sedikit lebih proaktif. Dalam pengalaman saya, pemilik berhenti membayar biaya kondominium jauh sebelum mereka berhenti membayar hipotek karena kebanyakan orang tidak ingin kehilangan tempat tinggal mereka. Jika seorang pemilik nakal, Undang-Undang Kondominium New Hampshire menempatkan tugas afirmatif pada dewan direksi untuk mengumpulkan apa yang terutang. Kedengarannya lebih sederhana daripada terkadang. Diperlukan waktu berbulan-bulan dan kadang-kadang lebih dari setahun untuk menyempurnakan nota lien pada sebuah unit, mengajukan gugatan, mengadili sebuah kasus, dan mendapatkan penilaian. Tapi begitu selesai, sebuah asosiasi mungkin bisa menjual unit ke penjualan sheriff dan mengumpulkan uangnya dengan cara itu.

Bahkan mungkin ingin membelinya, memperbaikinya, dan menyewakannya sampai bank memutuskan untuk menutup. Periksa dan lihat berapa banyak yang terutang pada hipotek. Dan periksa dengan pemilik lain di asosiasi Anda atau Realtor lokal jika belum ada yang menjual baru-baru ini dan lihat untuk apa unit dijual. Jika harganya tepat, beli unit di penyitaan, perbaiki sedikit dan sewa salah satu asosiasi menghasilkan uang baik melakukan ini atau menjualnya.

Hal terburuk yang dapat Anda lakukan … bukanlah apa-apa.

Pengacara Robert E. Ducharme adalah seorang mantan guru yang praktik sipilnya terbatas pada hukum kondominium, terutama di kabupaten Rockingham dan Strafford. Dia dapat dihubungi di rednewhampshirecondolawm dan Ducharme Law, P.L.L.C., ditemukan di .newhampshirecondolawm. Kolomnya muncul dua mingguan.

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Bernie Sanders, in Las Vegas, Previews Plan for Affordable Housing

LAS VEGAS — Senator Bernie Sanders introduced a $2.5 trillion housing policy plan on Saturday that would include ending homelessness and limiting rent increases across the country by imposing a national rent control standard.

Mr. Sanders said that over the next decade, his plan would expand public housing, increase the availability of affordable housing and cap annual rent increases nationally, regardless of income, at no more than one and a half times the rate of inflation or 3 percent, whichever is higher. His campaign said he would be releasing his full plan within the next month.

“We have an affordable housing crisis in Nevada, in Vermont and all over this country that must be addressed,” he told an audience of about 100 people at a union hall in Las Vegas, which was hit hard by the housing crisis a decade ago. “For too long, this is one of those issues that we just don’t talk about.”

This is the second time in the past 15 days that Mr. Sanders’s campaign has teased a policy rollout without releasing an actual proposal. Late last month, the Vermont senator said at a health care-focused event in Florence, S.C., that he planned to introduce legislation that would eliminate all medical debt. His campaign followed his pronouncement with a one-page overview of what the plan would entail, including canceling $81 billion of existing medical debt. The campaign also said at the time that a plan would be released within a month.

[Sign up for our politics newsletter hosted by Lisa Lerer and join the conversation around the 2020 presidential race.]

The series of soft rollouts underscore just how policy focused the Democratic presidential primary has become. Led by Senator Elizabeth Warren, the field has been introducing policy plans at a pace that at times has been frenetic.

Mr. Sanders has long advocated for affordable housing, even during his days as mayor of Burlington, Vt., in the 1980s. But though he suggested housing was not a front-burner topic for many politicians, other 2020 candidates have also introduced housing policies.

Mr. Warren and Julián Castro, the former housing secretary under President Barack Obama, have already released their own housing proposals. Senator Kamala Harris has also introduced a bill that would allow overburdened renters to access a sliding tax credit based on factors like income and cost of rent.

Mr. Sanders said he would pay for the plan by instituting a wealth tax on the top one-tenth of 1 percent of American households, or about 175,000 households, but provided little else in the way of specific details.

During his address, part of a weekend swing through Nevada that also featured a rally at the University of Nevada, Reno, on Friday, Mr. Sanders also attacked President Trump and attempted to draw a contrast between his childhood and the president’s more privileged upbringing.

“Unlike Donald Trump, I did not grow up in a wealthy family or live in some fancy house,” he said, a thought he has expressed before. In a rare occurrence, Mr. Sanders also mentioned his mother during his address, saying she had always wanted to move out of the three-and-a-half room rent-controlled apartment in Brooklyn, where they lived when he was a boy.

“My mother’s dream was that someday we would move out of that rent-controlled apartment in Brooklyn and we would own a home of our own,” he said. “My mother died young, and her dream was never fulfilled. But during her life, at least our family was always able to afford a roof over our heads, because we were living in a rent-controlled building, which meant that for our family and all the other families in our building, rents could not be arbitrarily raised.”

[Which Democrats are leading the 2020 presidential race this week?]

As with many of his proposals, Mr. Sanders acknowledged that the cost of his housing plan would be steep.

“I have no doubt that within five minutes after this speech is made public, my critics will be jumping up and down as is usually the case and they will tell you that the plan that I am releasing is expensive,” he said. “And the truth is it is expensive.”

Mr. Sanders also promised to commit $32 billion over five years to end homelessness, and provide outreach services for people experiencing chronic homelessness. He did not say how he would end it; his campaign said more details would be in his full proposal.

Astead W. Herndon contributed reporting from New York.

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HooYu Joins NICE Actimize’s X-Sight Marketplace, the Industry’s First Financial Crime Management Ecosystem

Helping financial services organizations keep up with a changing market landscape, NICE Actimize, a NICE business Nasdaq: NICE and the leader in autonomous financial crime management, today announced that HooYu has joined the X-Sight Marketplace, the industry’s first financial crime risk management-focused ecosystem designed to assist financial services organizations evaluate new point solutions and move to stay on top of a challenging regulatory and criminal environment.

The X-Sight Marketplace leverages the X-Sight Platform-as-a-Service and further expands the functionality offered by the platform. The NICE Actimize X-Sight Platform-as-a-Service offers a single, unified, cost-effective way for financial service organizations to rapidly innovate and to introduce new services while supporting best-in-class financial crime, risk and compliance management capabilities.

HooYu, experts in ID verification and fraud investigation, blends traditional methods of customer verification and PEPSanctions screening with real-time digital footprint analysis and facial biometrics. By adding HooYu’s capabilities with NICE Actimize’s AML and Fraud solutions, its customers can better manage their risks related to KYCCDD, account takeover fraud, synthetic ID fraud, and payments fraud.

Technology providers such as HooYu that partner with NICE Actimize’s X-Sight Marketplace ecosystem are reviewed for their ability to complement financial crime and compliance solutions. Once approved, software and service providers become available to the NICE Actimize community via the X-Sight Marketplace. FSOs can quickly browse through X-Sight Marketplace solution categories to find scalable options that solve their unique business problems.

“HooYu welcomes this partnership with NICE Actimize as we bring innovation and business value to financial services organizations looking for more modern customer identification and screening processes, that improve customer on-boarding success while bolstering financial crime prevention,” said David Pope, Marketing Director, HooYu. “There is strong synergy and alignment between the industry-leading financial crime solutions and platforms that NICE Actimize offers its community and HooYu. We look forward to building our presence within this innovative community platform.”

“We are excited that HooYu, who shares our common goal of fighting financial crime through the benefits of a Marketplace ecosytem, is partnering with us and joining the X-Sight Marketplace community,” said Craig Costigan, CEO, NICE Actimize. “By connecting via a cloud environment, community participants will experience a quicker time to value and minimized integration cost as they evaluate new solutions for their financial services organizations.”

Additional categories that will be added to NICE Actimize’s X-Sight Marketplace from other partner participants will include:, Ultimate Beneficial Ownership, Value-added Data & Adverse Media, Watchlist, Device Identification, and User Authentication & Fraud. Additional partners will be announced as the X-Sight Marketplace grows.

About HooYu HooYu are specialists in building KYC, customer on-boarding, Enhanced Due Diligence and fraud investigation products and its platforms are used by millions of users each month. Today, many organisations use its platforms, HooYu Identify, HooYu Investigate or m to verify customer identity or to investigate people, places and businesses.

HooYu Identify is a global identity confirmation service that blends and combines multiple identity technologies including social media and digital footprint analysis, identity document authentication, facial biometrics, database checks and PEPS and Sanctions watchlist checks to confirm identity. HooYu Identify cross-references and analyses data from a person’s digital footprint to confirm their real-world identity. HooYu also extracts and verifies data from ID documents at the same time as authenticating the ID document and conducting a biometric facial check comparing a selfie of the customer with the facial image on their ID document. Used by large retail banks such as NatWest or digital challenger banks such as Countingup, HooYu Identify helps FSO’s to reduce account opening abandonment whilst increasing the robustness of compliance with CIP and KYC requirements.

For more information on the X-Sight Marketplace, please click here.

If you are a technology company or financial institution wishing to be part of the first financial crime and compliance marketplace, please contact us at infoniceactimizem.

About NICE Actimize NICE Actimize is the largest and broadest provider of financial crime, risk and compliance solutions for regional and global financial institutions, as well as government regulators. Consistently ranked as number one in the space, NICE Actimize experts apply innovative technology to protect institutions and safeguard consumers and investors assets by identifying financial crime, preventing fraud and providing regulatory compliance. The company provides real-time, cross-channel fraud prevention, anti-money laundering detection, and trading surveillance solutions that address such concerns as payment fraud, cybercrime, sanctions monitoring, market abuse, customer due diligence and insider trading. Find us at .niceactimizem, NICE_Actimize or Nasdaq: NICE.

About NICE NICE &#; &#; &#; &#; &#; &#; &#; &#; &#; &#; &#; &#; &#; NICE, .%&#; &#; &#; &#; &#; &#; &#; &#; &#; &#; &#; is the worldwide leading provider of both cloud and on-premises enterprise software solutions that empower organizations to make smarter decisions based on advanced analytics of structured and unstructured data. NICE helps organizations of all sizes deliver better customer service, ensure compliance, combat fraud and safeguard citizens. Over , organizations in more than countries, including over of the Fortune companies, are using NICE solutions. .nicem

Trademark Note: NICE and the NICE logo are trademarks or registered trademarks of NICE Ltd. All other marks are trademarks of their respective owners. For a full list of NICE’s marks, please .nicemnice-trademarks.

Forward-Looking Statements This press release contains forward-looking statements as that term is defined in the Private Securities Litigation Reform Act of . Such forward-looking statements, including the statements by Costigan are based on the current beliefs, expectations and assumptions of the management of NICE Ltd. the Company. In some cases, such forward-looking statements can be identified by terms such as believe, expect, may, will, intend, project, plan, estimate or similar words. Forward-looking statements are subject to a number of risks and uncertainties that could cause the actual results or performance of the Company to differ materially from those described herein, including but not limited to the impact of the global economic environment on the Company’s customer base particularly financial services firms potentially impacting our business and financial condition; competition; changes in technology and market requirements; decline in demand for the Company s products; inability to timely develop and introduce new technologies, products and applications; difficulties or delays in absorbing and integrating acquired operations, products, technologies and personnel; loss of market share; an inability to maintain certain marketing and distribution arrangements; and the effect of newly enacted or modified laws, regulation or standards on the Company and our products. For a more detailed description of the risk factors and uncertainties affecting the company, refer to the Company s reports filed from time to time with the Securities and Exchange Commission, including the Company’s Annual Report on Form -F. The forward-looking statements contained in this press release are made as of the date of this press release, and the Company undertakes no obligation to update or revise them, except as required by law.

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Residence Inn could replace Motel 6 in Pittsfield Township

The new Marriott-brand hotel would be a -story, -room hotel and the first Residence Inn in the township, Township Planner Ben Carlisle said.

Pittsfield Township’s planning commission granted preliminary site approval to the Residence Inn in early August. The development group, Group Management, now must seek approval from infrastructure commissions, such as road and water, before the planned development goes to the Pittsfield Township Board of Trustees for final approval.

Group Management is purchasing the building from its current owner, President Kenny Koza said. The site is currently owned by G Hospitality Property, LLC, according to Pittsfield Township records.

The company considered other Pittsfield Township locations but chose that spot because of its proximity to Ann Arbor and other hotels and the ease of the approval process since the parcel is already zoned for a hotel, he said.

“We think it’s the highest quality and best use for that property,” Koza said. “Marriott is a respected brand and matches the clientele of the area.”

Official site designs won’t be drafted until the proposal is given final approval in about six to eight months, Koza said. But the extended-stay hotel will have an indoor pool, meeting spaces, free breakfast and other staples of the Residence Inn brand. Once approved, Koza expects construction will take about months.

Carlisle said the township is looking forward to the plan because it matches the quality in Ann Arbor, which is across the I- corridor.

Pittsfield Township sees the new hotel plan to improve the area. One requirement for the final plan is it must have a proposed public art component, in line with the township’s master plan.

“Group Management is a high-quality developer that develops, owns and operates their developments,” Carlisle said. “The township is excited to work with them and revitalize that corridor.”

There are two Residence Inns in Ann Arbor: downtown on Huron and Ashley Streets and on the north side on Green and Plymouth roads. This is Group Management’s second Residence Inn; the first is scheduled to open March in Farmington Hills, Koza said.

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