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Lent Opportunity: Mid-week Spiritual Renewal

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Home Loan Delinquencies Impacted by Positive Outlook?

first_img in Daily Dose, Featured, Foreclosure, News Demand Propels Home Prices Upward 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Share Save Home / Daily Dose / Home Loan Delinquencies Impacted by Positive Outlook? Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Americans are paying their mortgages on time more often than they have in nearly two decades, according to the American Institute of CPAs’ (AICPA) Q1 2019 Personal Financial Satisfaction Index (PFSi). The PFSi states that loan delinquencies dropped 5.5% (1.8 points) from the previous quarter, with the improvement mostly driven by mortgages. While the amount of delinquencies dropped to its lowest level since 2007, the rate is still higher than what was seen between 1994–2003. The PFSi is calculated as the Personal Financial Pleasure Index (Pleasure Index) minus the Personal Financial Pain Index (Pain Index). Positive readings signal Americans are feeling more financial pleasure than pain.“No one wants to pay any more taxes than they owe. Now is the perfect time to use the information in your tax return and underlying documents to build a tax-efficient financial plan,” said Michael Landsberg, CPA/PFS member of the AICPA’s Personal Financial Planning Executive Committee. “This was the first year with most provisions of the new tax law on the books. As many have discovered, the changes went far beyond a reduction to income tax brackets. If you haven’t already considered the new tax law changes, now is the opportune time to review and update your financial plan.”Taxes and money are an important component of the Pain Index, especially when measuring financial satisfaction. The report states then when income taxes change, Americans notice because it impacts the amount of money they take home. Americans also hope for a lower tax burden, which, for some, can be reflected in a higher refund.Americans received an average tax refund of $2,899 in 2017. In 2018—the first under the new law—the average tax fell to $2,795, according to the IRS.The Q1 2019 PFSi measured 36.1, an 11.3 percent (3.7 points) increase from the prior quarter. The increase was due to a 2.4-point increase in the Pleasure Index combined with a 1.3-point decrease in the Pain Index.Stocks surged in the first quarter of 2019 after a sharp decline in the fourth quarter of 2018. Gains in the stock market, combined with an improved job market, pushed American’s personal financial satisfaction to a new record high, according to the AICPA’s Q1 2019 PFSi.The PFSi bounced back from its first decline in two years to reach its sixth record high in seven quarters. About Author: 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. Subscribe Sign up for DS News Daily center_img Home Loan Delinquencies Impacted by Positive Outlook? Data Provider Black Knight to Acquire Top of Mind 2 days ago Delinquencies Mortgage Delinquencies Mortgage Rates 2019-04-25 Mike Albanese Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: Delinquencies Mortgage Delinquencies Mortgage Rates Demand Propels Home Prices Upward 2 days ago Previous: The Industry Pulse: Updates on UBS, LRES, and More Next: Fannie Mae Honors Mortgage Company for Second Consecutive Year Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago  Print This Post Related Articles April 25, 2019 1,978 Views last_img read more

Western Indian Ocean up for marine renewables market study

first_imgConsulting services are being sought for the delivery of market study into the challenges and opportunities for the marine renewable energy developments in the Western Indian Ocean (WIO).The WIO market study, for which requests for proposals have been launched by Shernas Limited, will encompass key jurisdictions within the region including Somalia, Kenya, Tanzania, Mozambique, South Africa, Madagascar, Mauritius, Comoros and Mayotte, Reunion and Seychelles.The study will provide insight on the state of the WIO, opportunities, and challenges in regards to offshore wind, tidal (in‐stream), wave, and river current or hydrokinetic development.In parallel with the planned work to be undertaken by Shernas Limited to map the key sites for offshore wind, wave and tidal renewable energy in Kenya, the study will also investigate the transportation infrastructure required to service the key sites.The successful contractor is therefore expected to provide a higher level overview for Kenya including transport requirements to develop these renewable energy resources.To realize optimum delivery of support to this sector, transport networks has to be available that provide unrestricted and efficient access to key sites in Kenya’s offshore waters,” said Shernas Limited in the request for proposals.The closing date for submission of proposals has been set for July 31, 2018.It is expected that the final market study document will be delivered 90 days after contract signing, Shernas Limited noted. Illustration (Photo: Pixabay/Creative Commons CC0)last_img read more

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