How to invest in value stocks Our 6 ‘Best Buys Now’ Shares Enter Your Email Address Value stocks have often been favoured by those who are happy to go against the grain, and enjoy investing in stocks that are considerably disliked by the market. This is because value investors believe that if everyone hates a stock, then there is no optimism included in the price, which means there is a certain level of potential upside when the market sentiment eventually returns the stock to favour.Value investing has been made famous by Benjamin Graham, often called the father of value investing, and the teacher of a certain Warren Buffett. 5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Benjamin Graham believed that a good stock to invest in should have a ‘margin of safety’ that would protect the investor from material downside. His idea requires buying a stock for less than the sum of its parts, or its book value. Value will always eventually be recognised, however, the investor must be prepared to wait for the catalysts that will unlock the value, or for market sentiment to turn in the stock’s favour. One problem of value investing is that it requires patience.Buying a stock for below net asset valueTo identify a stock that is trading below its net asset value we need to study the balance sheet and work out the total value of the assets, and the total value of the liabilities. This is often totalled already for us on the balance sheet and so it is a simple case of subtracting liabilities from assets. If the number is negative, then that means there is no net asset value and we have net liabilities instead. We want to avoid those stocks, because if we want to value invest there must be some value existing!One thing to be careful of when looking at net asset value is that assets can both be tangible and intangible. Tangible assets are things such as cash, property, and machinery, whereas intangible assets can be the value of a brand or intellectual property. This, of course, is subject to management discretion.Look for net tangible asset valueBy stripping out intangible assets, we are left with a net tangible asset value, which is the sum of everything that exists and is real. This gives us an even bigger margin of safety, because ultimately something intangible is only worth what someone else is willing to pay for it. Of course, that is also true of tangible assets – but at least they have a generally agreed-upon intrinsic value.Check the depreciation policyWhen looking at tangible assets, it is important to check the company’s depreciation policy. For example, if we bought a new car, we would not expect to be able to sell it five years later for the same amount. Something must be deducted for the wear-and-tear on the vehicle. This change in value is accounted for on a company’s books by depreciating the asset over the course of its useful life. Make sure that the depreciation policy is realistic.When investing in value stocks, we must always check the balance sheet carefully. See all posts by Michael Taylor I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Simply click below to discover how you can take advantage of this. “This Stock Could Be Like Buying Amazon in 1997” I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Michael Taylor | Tuesday, 18th February, 2020 Image source: Getty Images. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Views expressed in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors.
The ASOS share price is up 75% in 2 days! Here’s what I’d do Image source: Getty Images. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. The ASOS (LSE: ASC) share price jumped more than 30% this morning, after it announced a successful £247m share placing to help it weather the Covid-19 pandemic. That was on top of a 34% jump yesterday as it reported a positive set of results.Investors who used the stock market crash to buy bargain FTSE stocks like this one will be celebrating today. However, I’d think carefully before buying into the ASOS share price now.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…The online fashion retailer should be making hay right now, as a bored nation sits at home with time on its hands, scrolling away.Is this FTSE stock a crashing buy?The problem is that the coronavirus crisis and stock market crash is hitting people right in the pocket, and many will be cutting back on discretionary purchases like new clothes. Now isn’t the time to splash the cash and flaunt yourself. Even if the police would let you.Management thrilled investors by reporting record interim pre-tax profits on Tuesday, up 653% to £30.1m, with revenue rising 21% to £1.6bn. The group also cut costs and saw a healthy increase in its active customer base, hence the surge in the ASOS share price.International sales rose an impressive 22% to £974.3m. Foreign markets now contribute more than the UK, where sales climbed 20% to £577.1m. I’m pleased to see it expanding successfully overseas, which should provide scale and diversification. No wonder the ASOS share price is flying right now.ASOS share price has struggledThese six-month results ended on 29 February, before the Covid-19 lockdown, so the next set will not be so pretty. You knew that anyway. Group sales fell by up to a range of 20% to 25% in the three most recent trading weeks.The ASOS share price was struggling long before we had even heard of the coronavirus. Last autumn, the so-called King of AIM crashed by 40% after a significant deterioration in trading, which it blamed on economic uncertainty and weaker consumer confidence. We didn’t know the meaning of those phrases in those far-off days!If it wasn’t for the coronavirus lockdown, instead of crashing, the ASOS share price could be on a high right now.Crashing FTSE stock opportunityToday’s share placing success has boosted confidence in its ability to survive. However, broker Liberum questioned whether ASOS has raised enough cash and also criticised it for “poor” disclosure, given the risks right now.I’m afraid I wouldn’t recommend buying in to the ASOS share price after the recent surge. Fast fashion still faces plenty of challenges, as we don’t know how long the lockdown will last, or the long-term impact on people’s shopping habits.Also, we are going to see the mother of all clearance sales once Covid-19 abates, which could press down on retail prices and hit cash generation. The long-term recovery in the ASOS share price could prove agonisingly slow. See all posts by Harvey Jones Harvey Jones has no position in any of the shares mentioned. The Motley Fool UK owns shares of and has recommended ASOS. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Enter Your Email Address Simply click below to discover how you can take advantage of this. “This Stock Could Be Like Buying Amazon in 1997” Harvey Jones | Wednesday, 8th April, 2020 | More on: ASC Our 6 ‘Best Buys Now’ Shares
Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Earning a passive income by investing money in a Stocks and Shares ISA could be an attractive option at the present time. After all, the stock market crash has caused many dividend shares across the FTSE 100 and FTSE 250 to trade at low prices. As a result, they offer high dividend yields in many cases.At the same time, low interest rates mean income returns on cash and bonds are at extremely low levels. Similarly, high house prices mean that buy-to-let investment offers low yields.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…As such, now could be the right time to buy a diverse selection of UK dividend shares for the long run.Investing in dividend shares to earn a passive incomeThe FTSE 100 currently offers a passive income of around 4.7% per year. That’s significantly higher than the sub-1% returns available on most cash savings accounts. It’s also likely to be higher than the yields on investment grade bonds. And also the net return available on buy-to-let property while UK house prices are at record highs.However, simply buying high-yielding dividend shares in an ISA may not necessarily maximise an investor’s income returns. Some higher-yielding shares may be struggling to afford their dividend payouts. They may be experiencing challenging operating conditions that are negatively impacting on their financial performances.Therefore, it’s important to ensure that any dividend shares purchased in an ISA offer a sustainable passive income. For example, checking how many times they can pay dividends with net profit, as well as their balance sheet strength, could lead to a more resilient income stream in the long run.Investing money to build a diverse ISA of dividend stocksEven selecting those FTSE 100 and FTSE 250 shares that have solid dividends doesn’t guarantee a resilient passive income. Unexpected events can occur to any company operating in any industry. Therefore, it’s crucial to build an ISA portfolio that contains a diverse range of companies operating in a number of different industries.Diversification not only reduces the risk of being over-reliant on a small number of stocks for an income return. It also provides access to a wider range of growth opportunities. This may lead to a stronger rate of dividend growth over the long run that produces a more attractive passive income within an ISA.Starting to invest money todayClearly, the 2020 stock market crash may dissuade some investors from buying shares in an ISA for a passive income. However, the track record of equity markets suggests that a long-term stock market and economic recovery seems likely. As such, now could be the right time to buy a selection of high-yielding stocks from across both the FTSE 100 and FTSE 250. That way you can enjoy a growing income return in the coming years. Peter Stephens | Wednesday, 2nd December, 2020 Enter Your Email Address How I’d invest in an ISA to start earning a passive income today I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Our 6 ‘Best Buys Now’ Shares Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Simply click below to discover how you can take advantage of this. “This Stock Could Be Like Buying Amazon in 1997” See all posts by Peter Stephens
LEAVE A REPLY Cancel reply TAGSOrange County Commissioner Rod Lovesouth apopka Previous articleOrange County advises residents to practice lake safety during hurricane seasonNext articleHistoric achievement: Orange County approves UCF Lake Nona Cancer Center Project Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your name here The Anatomy of Fear Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 From District 2 Orange County Commissioner Rod LoveIn a press release to the public on August 2, 2018, District 2 Commissioner Rod A. Love had announced that Orange County Government, in partnership with Orange County Public Schools (OCPS), has secured funding for the construction of the vocational training facility in Apopka.District 2 Orange County Commissioner Rod LoveYou can find the press release here.As stated in the press release, the first phase of this project was conceived through a citizen-initiated state legislative appropriation that was requested during the 2014 Legislative Session. Given the community’s support for this project, Commissioner Love would like to include and engage the community in naming the facility. At this time, Commissioner Love invites and welcomes everyone to take part in naming the facility by submitting names of individuals or organizations of whom they would like to see the facility named after. Please see the included documents for more information on how to submit. All names must be submitted by 5:00 PM on Friday, September 14, 2018, to Commissioner Love’s Office at [email protected]cfl.net.Please do not hesitate to contact the District 2 Office at (407) 836-5850 or [email protected] any questions or concerns.For more details, go to the Orange County District 2 Facebook Page found here. Share on Facebook Tweet on Twitter Please enter your comment! Support conservation and fish with NEW Florida specialty license plate You have entered an incorrect email address! Please enter your email address here Save my name, email, and website in this browser for the next time I comment.
Olga Alexeeva was Director of CAF Russia until 2005 and then head of CAF Global Trustees. Caroline Hartnell of Alliance magazine described her as “a visionary with an unmatched understanding of the potential and challenges for philanthropy in emerging markets”. How to nominateNominations for the prize should be submitted by one main nominator and seconded by another person. The closing date for applications is 1 October 2013.All shortlisted candidates will be invited to attend the WINGS Forum in Istanbul in March 2014. Travel costs will be covered by the Prize, courtesy of a grant from the Mott Foundation. 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. Nominations are open for the second Olga Alexeeva Memorial Prize for the individual who has demonstrated “remarkable leadership, creativity and results in developing philanthropy for progressive social change in an emerging market country or countries”. The £5,000 prize can be used by the individual winner as they wish.The first Olga Alexeeva Memorial Prize was awarded to Jane Weru and Kingsley Mucheke for their work to build assets among landless slum dwellers in in Kenya.The prize is not so much about recognising fundraising achievements but the commitment of an individual to building philanthropy and demonstrating its value as a tool for achieving progressive social change in their country or region. This could involve strengthening local philanthropic infrastructure, encouraging companies and individuals to get involved in strategic philanthropy, or develop a culture of giving to address ‘difficult’ causes or that build wide support from the public. Advertisement £5k Olga Alexeeva Memorial Prize to recognise philanthropy leadership in emerging market country Howard Lake | 6 September 2013 | News 7 total views, 1 views today AddThis Sharing ButtonsShare to TwitterTwitterShare to FacebookFacebookShare to LinkedInLinkedInShare to EmailEmailShare to WhatsAppWhatsAppShare to MessengerMessengerShare to MoreAddThis
Home Indiana Agriculture News Indiana State Hemp Program Plan Submitted to USDA Facebook Twitter SHARE Facebook Twitter The Indiana State Hemp Plan was formally submitted to the United States Department of Agriculture (USDA) on December 26, 2019. Robert Waltz, Indiana State Chemist & Seed Commissioner, and Bruce Kettler, Indiana State Department of Agriculture Director, were the co-signers of the submitted plan.Below are some key points along with background information:USDA released the interim final rule for the U.S. Domestic Hemp Production Program on October 30, 2019. This rule governs the production of hemp under the 2018 Farm Bill and outlines the provisions for the USDA to approve plans submitted by States and Indian Tribes.The USDA has sixty days to review Indiana’s plan and to offer comments.This plan addresses elements of the USDA hemp rule including sampling, analytical testing, licensing and growing requirements.Indiana was required by the state legislature to submit the hemp program plan to USDA no later than Dec. 31, 2019.In Indiana, the 2020 growing season will continue to be a research year.Indiana anticipates receiving a determination on the Indiana Hemp Program from USDA by early March 2020.The submitted hemp program plan can be found here. More information can be found on the Office of the Indiana State Chemist website, here, or at the Purdue University Hemp website, here. Indiana State Hemp Program Plan Submitted to USDA SHARE By Indiana State Dept. of Agriculture – Jan 12, 2020 Previous articleWashington Week Ahead: China, US to Sign Trade Deal, USMCA Likely DelayedNext articleCommentary: Make Meat Cool Again Indiana State Dept. of Agriculture
Facebook Neeley School professor hosting ‘Entrepreneurship Boot Camp’ Linkedin The College of Science and Engineering Dean, Phil Hartman, retires after 40 consecutive years TCU places second in the National Student Advertising Competition, the highest in school history TAGSAmon G. Carter StadiumAthleticsJeremiah Donati Ben Auten is a junior sports broadcasting major from Charleston, South Carolina. He is an avid sports fan; he especially loves college basketball, baseball, and soccer. + posts Twitter ReddIt Twitter Linkedin Previous articleNo. 24 women’s basketball fall to No. 3 Baylor, 83-63Next articleMen’s tennis routs USF, 6-1 Ben Auten RELATED ARTICLESMORE FROM AUTHOR Ben Autenhttps://www.tcu360.com/author/ben-auten/ Center for International Studies creates new study abroad option Ben Autenhttps://www.tcu360.com/author/ben-auten/ ReddIt Brian Estridge and Jeremiah Donati talk about TCU athletics on Facebook Live. Picture courtesy of the TCU Athletics Facebook page. Ben Autenhttps://www.tcu360.com/author/ben-auten/ Ben Auten What we’re reading: Congress making moves Ben Autenhttps://www.tcu360.com/author/ben-auten/ New medical school will not reserve seats for TCU students World Oceans Day shines spotlight on marine plastic pollution Facebook printJeremiah Donati, who is almost two months into his stint as athletic director at TCU, talked about what to expect from TCU athletics in 2018 during a Facebook Live video.Donati has been a part of TCU athletics since 2011, and has seen the Frogs transition into the Big 12 Conference. He even has a long-term friendship with former TCU Athletic Director and current athletic director at the University of Texas at Austin Chris Del Conte.“We knew that going into the Big 12, it might take a little while for all the sports to be competitive,” he said. “Here we are six years later… and we’re in good shape.”Many TCU fans agree since eight TCU sports are currently included in their respective Top 25 rankings.Much of the conversation, however, focused on football and the planned upgrades at Amon G. Carter Stadium.A rendering of the upgrades of Amon G. Carter Stadium. Courtesy of TCU Athletics Facebook“Our biggest goal is to get the fundraising and get the shovels in the dirt, so to speak,” Donati said “It just completes the stadium. That’s what I’m really excited about.”Donati called the upgraded Amon G. Carter Stadium “the most comfortable experience in the country.”Speaking about his role as athletic director, Donati said he’s here to do four things.His goals are to provide a world-class experience for student-athletes, help them become better leaders and better citizens, help student-athletes graduate with a TCU degree and compete for championships.Donati concluded his show by answering a few questions, the first of which was about the reasoning behind canceling the home-and-home series with Ohio State. Donati called it a business decision and said TCU had to make the decision because of the economic benefits included.As for any change he’d like to see at TCU, Donati suggested expanding to add more facilities, but added that TCU “is the best place in the country.”
TAGS Previous articlePGA Tour goes to Torrey Pines without 7-time winner WoodsNext articlex2VOL Receives District Administration’s Top EdTech Products of 2020 Award Digital AIM Web Support Twitter Insights on the Multimode Optical Fiber Global Market to 2026 – Opportunity Analysis for New Entrants – ResearchAndMarkets.com Pinterest Local NewsBusiness By Digital AIM Web Support – January 26, 2021 Facebook Pinterest WhatsApp DUBLIN–(BUSINESS WIRE)–Jan 26, 2021– The “Global Multimode Optical Fiber Market Analysis 2020” report has been added to ResearchAndMarkets.com’s offering. The Multimode Optical Fiber market is expected to grow at a CAGR of 18.0% during 2019 to 2026. Multi-mode optical fiber is a kind of optical fiber frequently used for communication over short distances. Multimode optical fiber is made to take multiple light rays at the same time with a slightly different reflection angle. Multimode fiber cable can be used for small distances as the modes disperse over longer lengths. Factors such as growing demand for superior bandwidth and quicker speed connections and technological development in the fiber optic cable are driving the market growth. Though, huge initial cost is restraining the market. Furthermore, rise in investments in optical fiber cable network infrastructure boosting the growth of the market. Based on application, medical segment is anticipated to grow at the significant rate during the forecast period due to gaining importance in laser delivery systems and light enlightenment and conduction. Companies MentionedCorningFasten Fiber optics Co., Ltd (FPC)Fiber Home Technologies GroupFujikuraFurukawa ElectricFutong GroupHengtong Optic-electricPirelliShenzhen Tefa Touchplus Information CorpSumitomo ElectricTongding GroupYangtze Optical Fibre and Cable Company Ltd. (YOFC)Lynn Electronics Key Questions Answered in this Report:How this market evolved since the year 2018Market size estimations, forecasts and CAGR for all the segments presented in the scopeKey Market Developments and financials of the key playersOpportunity Analysis for the new entrantsSWOT Analysis of the key playersFastest growing markets analyzed during the forecast period Key Topics Covered: 1 Market Synopsis 2 Research Outline 3 Market Dynamics 3.1 Drivers 3.2 Restraints 4 Market Environment 4.1 Bargaining power of suppliers 4.2 Bargaining power of buyers 4.3 Threat of substitutes 4.4 Threat of new entrants 4.5 Competitive rivalry 5 Global Multimode Optical Fiber Market, by Material 5.1 Introduction 5.2 Glass 5.3 Plastic 6 Global Multimode Optical Fiber Market, by Product 6.1 Introduction 6.2 Step Index Fiber 6.3 Gradient Type 7 Global Multimode Optical Fiber Market, by Type 7.1 Introduction 7.2 50/125m 7.3 62.5/125m 8 Global Multimode Optical Fiber Market, by Application 8.1 Introduction 8.2 Communication/Devices 8.3 Defence 8.4 Electric Power System 8.5 Energy/Rail Transit 8.6 Government 8.7 Healthcare 8.8 Industries 8.9 Information Technology& Telecom 8.10 Medical 8.11 Military 8.12 Automotive 9 Global Multimode Optical Fiber Market, by Geography 9.1 Introduction 9.2 North America 9.3 Europe 9.4 Asia Pacific 9.5 South America 9.6 Middle East & Africa 10 Strategic Benchmarking 11 Vendors Landscape For more information about this report visit https://www.researchandmarkets.com/r/wxzitv View source version on businesswire.com:https://www.businesswire.com/news/home/20210126005905/en/ CONTACT: ResearchAndMarkets.com Laura Wood, Senior Press Manager [email protected] For E.S.T Office Hours Call 1-917-300-0470 For U.S./CAN Toll Free Call 1-800-526-8630 For GMT Office Hours Call +353-1-416-8900 KEYWORD: INDUSTRY KEYWORD: TECHNOLOGY NETWORKS OTHER TECHNOLOGY TELECOMMUNICATIONS SOURCE: Research and Markets Copyright Business Wire 2021. PUB: 01/26/2021 12:05 PM/DISC: 01/26/2021 12:05 PM http://www.businesswire.com/news/home/20210126005905/en WhatsApp Twitter Facebook
Home / Daily Dose / Will New Reverse Mortgage Policies Reverse Concerns? Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago in Daily Dose, Featured, News Reverse mortgages have the potential to become more popular as more households with insufficient income reach retirement, according to a study done by the Center for Retirement Research at Boston College.Despite the possibility for increased popularity of reverse mortgages, or HECMs (Home Equity Conversion Mortgages), concerns have risen over an increased default rate for borrowers.To respond to the concerns, the report states that HUD, starting in 2013, began restricting initial withdrawals as well as introducing criteria for underwriting. With these policy changes, property taxes as well as insurance default could potentially reduce by 50 percent.The report states one of the concerns about implementing underwriting criteria is that it could significantly reduce the take-up of loans, therefore possibly conflicting with the program’s public mission to balance the goals of high take-up rates as well as low default rates.However, the simulated impact of credit-based underwriting standards on these loans’ take-up is estimated to be minimal, especially when such standards are paired with a required set-aside for tax and insurance payments instead of a hard cutoff.The report states that the collective impact of both policies could reduce take-up by 12 percent attributed to the restrictions on the initial withdrawal amount instead of the underwriting criteria. Yet, this impact on take-up is relatively minuscule for a larger reduction in estimated defaults.In order to assess the effects of the new rules, the report used a “unique” data-set linking borrower characteristics to their loan activity and the results showed that the new rules could reduce default rates by up to 50 percent while having only a small impact on take-up.Additionally, the study relied on data that compared a variety of borrowers on a large scale. The data found concluded that newer policies are helping reduce default rates across the board.Though, only 2 percent of older Americans who qualify currently hold a reverse mortgage, it has been projected that demand for these home loans in the past five years has exponentially increased. The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 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 Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago July 20, 2016 1,196 Views Print This Post Previous: HUD Reports Continued Progress For Housing Recovery Next: Real Estate is Becoming the Prefered Long-Term Investment Related Articles Demand Propels Home Prices Upward 2 days ago Reverse Mortgages take-up 2016-07-20 Kendall Baer Demand Propels Home Prices Upward 2 days ago Share Save Tagged with: Reverse Mortgages take-up Will New Reverse Mortgage Policies Reverse Concerns? Kendall Baer is a Baylor University graduate with a degree in news editorial journalism and a minor in marketing. She is fluent in both English and Italian, and studied abroad in Florence, Italy. Apart from her work as a journalist, she has also managed professional associations such as Association of Corporate Counsel, Commercial Real Estate Women, American Immigration Lawyers Association, and Project Management Institute for Association Management Consultants in Houston, TX. Born and raised in Texas, Kendall now works as the online editor for DS News. About Author: Kendall Baer Subscribe
This week’s news in briefProposals lack focus Government proposals on financial reporting lack focus on people, accordingto the Chartered Institute of Personnel and Development (CIPD). The latestproposals leave reporting to the discretion of the “directors of thecompany to review and identify the relevant factors in their particularcase”, or omit them altogether if they see fit. www.cipd.co.ukPart-time judiciary All judges below High Court level will soon be able to work part-time undernew government plans. As part of its drive to increase judicial diversity, theDepartment for Constitutional Affairs (DCA) announced that from 1 April 2005,all new and existing salaried appointments below High Court level will besuitable for part-time sitting unless the nature of the office or businessneeds dictate otherwise. www.dca.gov.uk/Royal Mail prize draw The Royal Mail is offering its staff the chance to win cars and holidayvouchers in a scheme designed to cut high rates of absenteeism. Workers who donot take a single day off sick between now and 31 January 2005 will be enteredinto a prize draw and could win one of 34 Ford Focus cars or holiday vouchers. www.royalmail.comHR Strategy conference Directors keen to develop an HR strategy in line with organisational goalsshould attend the HR Strategy conference organised by IRS, in association withPersonnel Today, on 18-19 November. The first day includes practical advice,case studies and debate on shifting from best practice to business imperativeHR strategies and tactics, and the second day offers delegates a workshop onmeasuring human capital and how to integrate it with your HR strategy. Booking hotline 020 7347 3500 Related posts:No related photos. Previous Article Next Article Comments are closed. … in briefOn 10 Aug 2004 in Personnel Today