The League of Women Voters Pasadena Area Educates the Public with Virtual Ballot Information Session

first_imgCommunity News The League of Women Voters Pasadena Area Educates the Public with Virtual Ballot Information Session By ANDY VITALICIO Published on Monday, October 5, 2020 | 3:02 pm Name (required)  Mail (required) (not be published)  Website  Community News Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Business News Make a comment Community News 17 recommended0 commentsShareShareTweetSharePin it STAFF REPORT Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy HerbeautyStop Eating Read Meat (Before It’s Too Late)HerbeautyHerbeautyHerbeautyYou Can’t Go Past Our Healthy Quick RecipesHerbeautyHerbeautyHerbeauty10 Most Influential Women In HistoryHerbeautyHerbeautyHerbeautyThese Fashion Tips Are Making Tall Girls The Talk Of The TownHerbeautyHerbeautyHerbeautyTips From A Professional Stylist On How To Look Stunning In 2020HerbeautyHerbeautyHerbeauty15 Countries Where Men Have Difficulties Finding A WifeHerbeautyHerbeauty faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Donald CommunityPCC- COMMUNITYVirtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPasadena Public WorksPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimescenter_img More Cool Stuff Top of the News EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS STAFF REPORT First Heatwave Expected Next Week CITY NEWS SERVICE/STAFF REPORT Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday Your email address will not be published. Required fields are marked * The League of Women Voters Pasadena Area is making sure local residents are informed on all the propositions on the ballot before the Nov. 3 election.For members of the senior community, the league is hosting an online voter information session from 10 to 11:30 a.m. Wednesday, Oct. 7 during which speakers will cover the 12 state ballot propositions and Los Angeles County Measure J, according to an announcement by the Pasadena Senior Center.The speakers will talk about the background and details of the measures, the arguments for and against, and who’s paying for each side.Since each of these propositions will have a significant impact on the community, participants are free to ask questions and take part in the discussion during the virtual event, live on Zoom. Registration is required for the free event.Register for the event now and receive instructions on how to access the live session on Wednesday. To register, go to attending the virtual session, look up the various propositions to know what’s on the ballot, and how each of them would impact the community.Here are some more details that could help clear things up before deciding:Proposition 14 – Initiative StatuteAuthorizes Bonds Continuing Stem Cell Research.THE QUESTION: Should California sell $5.5 billion in new bonds to continue funding grants for research and development of stem cell treatments?Proposition 15 – Initiative Constitutional AmendmentIncreases Funding for Public Schools, Community Colleges, and Local Government Services by changing tax assessment of commercial and industrial property.THE QUESTION: Should the California Constitution be amended so that most commercial and industrial property is reassessed on a regular basis?Proposition 16 – Legislative Constitutional AmendmentAllows Diversity as a Factor in Public Employment, Education, and Contracting Decisions.THE QUESTION: Should California and local government entities be allowed to consider diversity as a factor in public employment, education, and contracting decisions?Proposition 17 – Legislative Constitutional AmendmentRestores Right to Vote After Completion of Prison Term.THE QUESTION: Should people on parole in California be allowed to vote in elections?Proposition 18 – Legislative Constitutional AmendmentPermits 17-year-olds to Vote in Primary and Special Elections if They Will Turn 18 By the Next General Election.THE QUESTION: Should 17-year-olds who will be 18 by a general election be allowed to vote in the primary and special elections in that election cycle?Proposition 19 – Legislative Constitutional AmendmentChanges Certain Property Tax Rules.THE QUESTION: Should the California Constitution be changed to modify the rules for transferring property tax assessed values and use any resulting new tax revenues for fire suppression efforts, schools, and local government?Proposition 20 – Initiative StatuteRestricts Parole for Certain Offenses Currently Considered to Be Nonviolent. Authorizes Felony Sentences for Certain Offenses Currently Treated Only as Misdemeanors.THE QUESTION: Should California law be amended to make changes to the process by which people are charged with certain crimes and the process for granting them parole?Proposition 21 – Initiative StatuteExpands Local Governments’ Authority to Enact Rent Control on Residential Property.THE QUESTION: Should current state law be changed to allow cities and counties to apply rent control to housing 15 years old or older and limit rent increases to 15 percent once a new renter moves in?Proposition 22 – Initiative StatuteExempts App-based Transportation and Delivery Companies from Providing Employee Benefits to Certain Drivers.THE QUESTION: Should app-based rideshare and delivery drivers be classified as independent contractors (not employees) and should rideshare and delivery companies be required to adopt labor and wage policies unique to these drivers?Proposition 23 – Initiative StatuteEstablishes State Requirements For Kidney Dialysis Clinics. Requires On-site Medical Professional.THE QUESTION: Should outpatient dialysis clinics be required to have a physician on-site at all hours when patients are being treated, offer the same level of care to all patients regardless of insurance, and report infection-related information?Proposition 24 – Initiative StatuteAmends Consumer Privacy Laws.THE QUESTION: Shall an existing law from 2018, the California Consumer Privacy Act, be amended to increase penalties on companies that fail to follow regulations; to allow consumers more easily to opt in and out of sharing their data; changes criteria for which businesses need to comply; and to create a new enforcement arm that would cost about $10 million annually?Proposition 25 – ReferendumA Referendum on Law That Replaces Money Bail with System Based on Public Safety and Flight Risk.THE QUESTION: Should the law enacted by the California Legislature to replace the current money bail system be approved?For a more detailed explanation of each proposition, the current situation they’re trying to address, the pros and cons, and fiscal impacts, read the flyer published by the League of Women Voters of California Education Fund: Subscribe Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadenalast_img read more


Consumer Advocates Concerned Over Non-Borrowing Spouses Facing Foreclosure

first_img March 16, 2015 1,699 Views Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: Home Equity Lines of Credit HUD Non-Borrowing Spouses Consumer Advocates Concerned Over Non-Borrowing Spouses Facing Foreclosure The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago The Best Markets For Residential Property Investors 2 days ago Previous: FHFA Director ‘Very Proud’ of Agency’s Progress on Strategic Plan Initiatives Next: FHFA, Nomura Trial Expected to Continue for a Month About Author: Brian Honea Brian Honea’s writing and editing career spans nearly two decades across many forms of media. He served as sports editor for two suburban newspaper chains in the DFW area and has freelanced for such publications as the Yahoo! Contributor Network, Dallas Home Improvement magazine, and the Dallas Morning News. He has written four non-fiction sports books, the latest of which, The Life of Coach Chuck Curtis, was published by the TCU Press in December 2014. A lifelong Texan, Brian received his master’s degree from Amberton University in Garland. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Servicers Navigate the Post-Pandemic World 2 days agocenter_img Home / Daily Dose / Consumer Advocates Concerned Over Non-Borrowing Spouses Facing Foreclosure Home Equity Lines of Credit HUD Non-Borrowing Spouses 2015-03-16 Brian Honea Related Articles Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Subscribe Share Save  Print This Post A group of consumer advocates has expressed concern over non-borrowing spouses facing foreclosure and eviction following the death of a borrowing spouse, according to comments the group recently submitted totaling 65 pages to the U.S. Department of Housing and Urban Development (HUD).HUD and FHA amended the Home Equity Conversion Mortgage (HECM) program in January to prevent reverse mortgage lenders from calling the note from a surviving non-borrowing spouse. The amendment allowed for deferral of “due and payment status” for eligible non-borrowing spouses, hence deferring the foreclosure process, for FHA case numbers assigned on or after August 4, 2014 and for certain eligible HECMs and surviving non-borrowing spouses for case numbers issued before August 4, 2014.The comments were submitted by the National Consumer Law Center on behalf of its low-income clients, Consumers Union, California Reinvestment Coalition, Housing and Economic Rights Advocates, Institute on Aging, and The National Housing Law Project. The groups claim in their letter that HUD amended its HECM policy in response to several lawsuits filed on behalf of non-borrowing spouses facing eviction, but they claim that even with the amendment, not enough people will qualify for the benefits because reverse mortgages originated prior to August 2014 did not take into account the often younger surviving spouse’s age.In order for the non-borrowing spouse to qualify for the HECM relief and keep their house under the amendment, first off, the servicer has to agree to assign the loan to HUD rather than pursue foreclosure.  In addition, the surviving spouse must be either older or the same age as the deceased borrower at the time the loan was originated – or the surviving spouse must pay off the entire loan amount or 95 percent of the home’s value.These requirements keep many from qualifying, because in many cases the surviving spouse is younger, and on top of that, they don’t have the money available to pay such a large sum.One of the big problems the groups are facing with this issue is that HUD has not revealed how many people are affected or how many non-borrowing, surviving spouses are facing eviction and foreclosure.”Though HUD stated that it would consider the cost, legality and practicality of its action with respect to non-borrowing spouses, the agency has not provided data or information to support its analysis, conclusions or recommendations,” the letter said. “Indeed, the agency has yet to provide information on the scope of the problem. Nor has HUD disclosed information regarding the actual number of outstanding loans with non-borrowing spouses.”In a report by the Consumer Financial Protection Bureau last month on consumer complaints regarding reverse mortgages, the most frequent complaint was on surviving, non-borrowing spouses suddenly facing foreclosure upon the death of a borrowing spouse. The report stated that “some consumers report that their loan originator falsely assured them they would be able to add the other spouse to the loan at a later date.” Similarly, others complained that the loans are often difficult to repay and that lenders often throw obstacles in the way when consumers take steps to avoid foreclosure.The government now requires loan underwriters consider the non-borrowing spouse’s age, which solves the problem for newly originated loans. It remains to be seen what will happen with those originated before last August, however. 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Multi Cat Water Injection Dredger from Damen

first_imgImage source: DamenDamen Shipyards Group has introduced a Water Injection Dredger (WID), courtesy of a plug & play system aboard a Damen Multi Cat. “Damen invented the Multi Cat as the ideal dredge support vessel – what I like to think of as floating work bench – for Cutter Suction Dredgers (CSD). This is a logical step forward for a platform that has dredging in its DNA,” said Damen Product Director Dredging, Olivier Marcus.The Multi Cat is typically used to assist CSDs on dredging projects, carrying out tasks such as anchor shifting and cutter teeth replacement.Damen realized that, with the addition of dredging components, the Multi Cat might actually be able to take on dredging functionality in a manner that proves the rule ‘the whole is greater than the sum of its parts’.In the words of Mr Marcus: “This is not just the equipment, this is one plus one equals three.”This is not the first time the Multi Cat has demonstrated such versatility. In the past Damen has already fitted DOP pumps or a plough on the stern A-frame to carry out sand mining and maintenance dredging activities.The Multi Cat WID dredger will take a different approach. By injecting the silt with high volume, but low pressure water, the accumulated soil will become a density flow and by utilizing the current and/ or gradient the silt will be removed from ports and waterways including rivers and channels, offering a cost effective, sustainable approach to dredging.The dredger will be fitted with a Damen Dredge Pump – a wear resistant piece of equipment that is built to just keep going in the toughest of working environments.[mappress mapid=”24983″]last_img read more