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Our view of how pension and OPEB risk factor into credit quality is informed by an assessment of issuer-specific economic fundamentals and trends, which bear heavily on plan affordability. Despite the size of their liabilities, cities that are in rapidly growing and wealthy economies will, all else equal, be comparatively better positioned to manage liability growth, as they are more likely to see stronger future revenue performance and favorable demographic trends. These are especially important considerations in the context of municipal pensions and OPEBs, given the cost trajectory we are observing for retirement benefits. To the extent that revenue growth is not keeping pace with higher costs, we expect that the crowd-out effect discussed above will be more pronounced. Further, many municipalities, including a majority of the 15 largest cities, depend on future payroll growth to pay for their unfunded pension liabilities; to the extent that slow economic growth portends weaker demographic trends, these municipalities could see higher-than-expected costs if their payroll growth assumptions are not met.
In Southern California, fires driven by late-summer winds regularly scorch state parks. More than half of parkland in the Santa Monica Mountains was damaged in the 2021 Woolsey Fire, with the popular beach retreats of Leo Carrillo and Malibu Creek State Parks bearing the brunt of the blaze. Historical sites were lost as well as employee residences and campgrounds.
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Our ongoing engagements with cities show that the hotspot approach works. In Egypt, hotspot maps have led the national COVID-19 inter-ministerial committee to discuss developing a spatially differentiated risk management approach for the Cairo metropolitan area. In the Democratic Republic of Congo, Kinshasa is harnessing predicted hotspots to develop a vulnerability index for spatially targeting emergency cash transfers through the government’s multi-sectoral COVID response plan. In the Philippines, these hotspots are helping Manila’s city officials identify ideas in most urgent need of emergency support, such as provision of clean water.
The information and data obtained through the quality of living reports are for information purposes only and are intended for use by multinational organisations, government agencies, and municipalities. They are not designed or intended for use as the basis for foreign investment or tourism. In no event will Mercer be liable for any decision made or action taken in reliance of the results obtained through the use of, or the information or data contained in, the reports. While the reports have been prepared based upon sources, information, and systems believed to be reliable and accurate, they are provided on an “as-is” basis, and Mercer accepts no responsibility/liability for the validity/accuracy (or otherwise) of the resources/data used to compile the reports. Mercer and its affiliates make no representations or warranties with respect to the reports, and disclaim all express, implied and statutory warranties of any kind, including, representations and implied warranties of quality, accuracy, timeliness, completeness, merchantability, and fitness for a particular purpose.
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While trends in funding status are a useful indicator of year-over-year funding progress and, indirectly, future cost trends, we also observe that certain plans are at greater risk of experiencing cost acceleration due to plan actuarial assumptions and methods and funding practices. In the next section, we also analyze fiscal 2021 performance among the largest plans by looking at two quantitative measures that better enable us to pinpoint funding shortfalls that could contribute to setbacks in funding status and cost acceleration. And in the final section, we also examine the largest plans' investment allocation (as reflected in their rate of return assumptions) in light of their demographic makeup, which we believe better informs our view of their exposure to market risk and funding volatility.
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Fifty-six percent of people experiencing homelessness are in the five states that have the largest homeless counts. More than 1 in 3 are in the twenty CoCs with the highest numbers of people experiencing homelessness. Thus, much of this national challenge is located in a small number of places, with most jurisdictions having a much smaller problem to manage.
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European cities continue to have the highest quality of living in the world, with Vienna (1), Zurich (2) and Munich (3) not only ranking first, second and third in Europe, but also globally. As many as 13 of the world’s top 20 spots were taken by European cities The major European capitals of Berlin (13), Paris (39) and London (41) remained static in the rankings this year, while Madrid (46) rose three places and Rome (56) climbed one. Minsk (188), Tirana (175) and St. Petersburg (174) remained the lowest ranking cities in Europe this year, while Sarajevo (156) rose three places due to a fall in reported crime.
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We think that risks associated with OPEBs have frequently been underappreciated, likely in no small part due to OPEB costs being modest as a share of budgets historically and the greater flexibility that some municipalities have to modify their benefit offerings. At the median, OPEB costs represented only 1/3% of expenditures among the 15 largest cities in fiscal 2021, though this only measures actual contributions. We find that most OPEB plans are funded on a pay-as-you-go basis, where the sponsoring government is paying for benefits directly from its operating budget. These municipalities are not prefunding the plans by accumulating assets in a trust to earn investment income that will be available to cover future benefit payments. In our 15-city sample, we found that only Los Angeles has routinely made actuarially determined contributions to its OPEB plans in recent years and is the only city with an OPEB plan that is funded at greater than 50%. Its City Employees' and Water & Power plans were 81% and 78% funded, respectively, at the end of fiscal 2021.
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Nationally, the most common type of homeless assistance is permanent supportive housing (PSH). Forty-one percent of system beds are in this category which has grown by 96 percent since 2007. Emergency shelter beds, the second most prevalent intervention, have increased by 38 percent since 2007.
State of Homelessness: 2021 Edition
People around the world are using their cell phones for a variety of purposes, especially for texting and taking pictures, while smaller numbers also use their phones to get political, consumer and health information. Mobile technology is also changing economic life in parts of Africa, where many are using cell phones to make or receive payments.
A city’s quality of living can be an important variable for employers to consider
Prices are based on single-family residential rates and are current as of April 1, 2021. Rates include fixed fees, volumetric fees, and surcharges. Average monthly prices for cities with seasonal rates were calculated using seasonal weighting. The fixed fees cited in the article are for 5/8 inch meters, a common size for residential connections.
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Bosses and workers are divided about whether employees should return to the office, a survey has shown. Decisions made now will undoubtedly have a long-lasting effect on employer brand, employee value proposition and company financial performance for years to come. Without Any Survey Are Available For This Site.
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That’s where Laughlin comes in — and hydrologist Derek Loftis of the Virginia Institute of Marine Science, whom Laughlin and others are assisting. In 2021, Loftis and colleagues started a project called Catch the King that uses a smartphone app to collect the data of citizen scientists during king tides. He’ll use those data to validate and improve his mathematical flooding model, called TideWatch, for Norfolk and the surrounding area.
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According to a July survey of its members by the National Association of Realtors, 76 percent of respondents said prospective homebuyers have not shifted the location of where they want to buy a home due to COVID-19. But 15 percent of respondents said more than 10 percent of their buyers had changed locations, with suburbs, rural areas and small towns the most popular destinations. Some of those places have been dubbed "Zoom towns" — a pun on rapid growth and the teleconferencing software.
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Mercer also helps municipalities to assess factors that can improve their quality of living rankings. In a global environment, employers have many choices about where to deploy their mobile employees and set up new business. A city’s quality of living can be an important variable for employers to consider.
A median of only one-in-four cell phone users across the countries surveyed say they access a social networking site regularly on their phone, although a third or more do so in Chile (37%), Venezuela (37%), Lebanon (36%) and Nigeria (34%). This is less popular elsewhere, with as little as 3% in Pakistan and 10% of cell phone owners in Uganda saying they regularly use social networking sites (SNS) on their mobile device such as Facebook, Twitter, and other country-specific examples (see here for full list). Generally, this activity is more popular in Latin America and the Middle East than in Asia and Africa.
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Since 2021, NFIP has been temporarily renewed — allowed to continue without a research-backed overhaul — at least 15 times. As Scientific American reports, one reason NFIP is unable to keep up with its claims is that its risk assessment model is based on antiquated flood maps.
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At least two other lawmakers besides Schumer have voiced support for the delay: New Jersey Representatives Bill Pascrell Jr. (D-New Jersey) and Frank Pallone Jr. (D-New Jersey), who on March 23 wrote a letter to Department of Homeland Security Secretary Alejandro Mayorkas in support of postponing Risk Rating 2/0. Pascrell and Pallone each accepted $10,000 from the National Association of Realtors in 2021 alone. The trade group has spent millions in lobbying to oppose flood insurance reform, as Politico has reported.
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Strengths: First time homebuyers have the opportunity to receive quotes on not just conventional loans but those insured by the FHA, USDA and VA as well. Both the FHA and USDA tend to have minimum credit score requirements of at least 580 while for VA insured loans that number inches lower to 550.
Representatives Pascrell and Pallone have pointed to affordability concerns as their primary reason for advocating to delay new NFIP rates. They’ve specified they want FEMA to lower the premium rate hike limit to 9 percent.
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The two cities with the largest gains were Dallas and Houston, which saw 21% and 7% improvements, respectively, as Dallas instituted significant pension reforms in 2021 and Houston issued pension obligation bonds (POBs) in 2021. The median city's weighted funded ratio improved by 3% in 2021.
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Government-backed loans can be good options for first-time homebuyers as well as folks who have a lower down payment or smaller budget. The requirements are usually looser than those for mortgages not secured by the government. These are known as conventional mortgages. The interest rates on FHA, VA and USDA loans are similar to conventional mortgages, but fees and other costs are higher.
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The supply of existing homes for sale is near record lows, in part because homeowners decided not to sell during the coronavirus pandemic. Meanwhile, homebuilders haven’t ramped up to historical levels. While there’s a shortage of homes for sale, there’s a glut of buyers vying for homes. That has resulted in bidding wars and soaring prices.
Although it’s difficult to pinpoint exactly how much a family costs a city, it’s generally more than single- or child-free citizens. Some city officials argue that it makes more economic sense to prioritise citizens without children, who bring a net economic gain to a city, over families, who bring a net loss. After all, kids don’t make big purchases or pay taxes on their own, and schools can be the biggest expense for local governments.
Nationally, surging home prices can be attributed to supply and demand. Low interest rates and a large millennial generation of first-time homebuyers entering the market are both increasing demand. But a lack of new construction and willing sellers, who tend to be older, is restricting supply.
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The overall average change for Orlando was an increase in expenses of 3/7%. Housing and health care led the hikes with 8% increases.
Accessible housing is also key to enabling families to subsist in cities, yet many bigger cities lack affordable multi-bedroom homes. It’s been estimated that just 5% of market-rate homes for rent in large US cities have at least three bedrooms – and in places such as Los Angeles, most median-earning households can’t afford the multi-bedroom homes available. Even in cities with more family-suitable homes, such as Amsterdam, the properties are often subdivided into individual units for rent to singletons and the child-free (a controversial practice known in Dutch as ‘verkamering’). This is lucrative for developers and landlords, who can earn more from additional housing units squeezed into the same space.
Comparing 2001 and 2021 survey data, the number of survey participants with a uniform rate for residential customers remains essentially the same at just over one-third of participants. However, since 2001, there has been a significant decline in the popularity of the declining rate structure. The use of the inclining tier design climbed from 46 percent to 60 percent of participants in 2021.
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The trend could very well continue because – realistically – people have no choice but to go where the jobs are. And about 90 percent of US gross domestic product (GDP) comes from metropolitan areas, according to a study by the St. Louis Federal Reserve.
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Counts and rates typically offer useful information about the challenges facing homeless systems—they reflect the number of people who need homeless services. During the current pandemic, there is a new challenge—the number of people who contract an infectious illness (COVID-19) while needing homeless services.
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Strive for blue skies: When interventions to stop the spread of the virus took vehicles off the street and shuttered polluting businesses, residents of many large developing country cities experienced blue skies and clean air for the first time in decades. In Manila, for example, NO2 emissions fell by 65%. Clean air makes cities more livable and productive and supports human capital development. Cities now have a unique opportunity to preserve air quality as their economies rebound. In Egypt, the government is planning to expand the Greater Cairo subway network to accommodate 6 million passengers a day by 2021, up from 3/5 million today. It also plans to give grants to private car owners to help them convert their vehicles to run on natural gas. Not only will clean air improve local amenities, it will also provide a global co-benefit in lowering carbon intensity. Overall, it is critical that COVID-19 stimulus packages do not miss a unique opportunity to jumpstart the economy while also contributing to a more sustainable future and mitigating climate change impacts.
Data on homelessness are based on annual point-in-time (PIT) counts conducted by Continuums of Care (CoCs) to estimate the number of people experiencing homelessness on a given night. The latest counts are from January 2021. Point-in-time data from 2007 to 2021 are available on HUD Exchange.
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Black Americans, multiracial Americans, and Hispanics/Latinxs are similarly situated. Group members are far more likely to be homeless than the national average and white Americans.
What exactly would that look like? Say a tech-company founder based in Nashville hires a designer in Missoula, engineers in San Jose and Miami, and a product lead in Albuquerque. They Slack every morning, and Zoom in the afternoon. Although building a distributed-work culture takes lots of work, they might discover that the internet re-creates many of the benefits of a city. Cities attract similarly productive and talented people to the same area, where they can redouble one another’s talent; so might the internet. Cities pool large groups of workers into the same area to increase the odds that every worker finds the job with the best fit for her skills; so might the internet.
A mortgage is a type of loan designed for buying a home. Mortgage loans allow buyers to break up their payments over a set number of years, paying an agreed amount of interest. Mortgages are also legal documents that allow the mortgage holder to claim the property if the buyer doesn’t make their payments. It also protects the buyer by forbidding the mortgage holder from taking the property while regular payments are being made. In this way, mortgages protect both the mortgage holder and the buyer.
Credit-related and other analyses, including ratings, and statements in the Content are statements of opinion as of the date they are expressed and not statements of fact. S&P’s opinions, analyses and rating acknowledgment decisions (described below) are not recommendations to purchase, hold, or sell any securities or to make any investment decisions, and do not address the suitability of any security. S&P assumes no obligation to update the Content following publication in any form or format. The Content should not be relied on and is not a substitute for the skill, judgment and experience of the user, its management, employees, advisors and/or clients when making investment and other business decisions. S&P does not act as a fiduciary or an investment advisor except where registered as such. While S&P has obtained information from sources it believes to be reliable, S&P does not perform an audit and undertakes no duty of due diligence or independent verification of any information it receives. Rating-related publications may be published for a variety of reasons that are not necessarily dependent on action by rating committees, including, but not limited to, the publication of a periodic update on a credit rating and related analyses.
And now that we face a slack labor market, especially a slack labor market in. What recommends small cities, he and others said, is that they have lower prices and a more relaxed vibe, without sacrificing vibrant culture, decent restaurants and other conveniences. Survey finds age of migrant workers rising.
Data on at risk populations are from analyses by the National Alliance to End Homelessness of the Census Bureau’s 2021 American Community Survey 1-year Estimates, accessed via American FactFinder. Poor renter households with a severe housing cost burden are households whose total income falls under the applicable poverty threshold and who are paying 50 percent or more of total household income to housing rent. For people living doubled up, poverty is based on the composition and income of the entire household as compared to the poverty thresholds.
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According to U-Haul’s annual review, California lost more people to out-migration than any other state in 2021, and the five largest states in the Northeast—New York, Pennsylvania, New Jersey, Massachusetts, and Maryland—joined California in the top 10 losers. Rents have fallen fastest in “pricey coastal cities,” including San Francisco, Seattle, Los Angeles, Boston, and New York City, according to Apartment List.
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Similarly, smartphone ownership is more common in countries with higher levels of per capita income. Traditional cell phones still outnumber smartphones, although roughly three-in-ten or more Lebanese, Chileans, Jordanians, Chinese, Argentines, South Africans, Malaysians and Venezuelans now own a smartphone.
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The lender also offers a speedy prequalification and preapproval process for those looking to save time. Cardinal Finance Company reports that some borrowers have been able to close their mortgage in as little as seven days.
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Despite this negative movement, the long-term trend has been downward. Overall homelessness has decreased by 12 percent since 2007, the year nation-wide data collection began. The current COVID-19 crisis has the potential to diminish or completely wipe out these modest gains.
Homeless services systems do not have enough resources to fully meet the needs of everyone experiencing homelessness. Thus, it is helpful to examine the difficult decisions they must make, including how to allot the limited funds available to them.
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Plan, provide, and protect public space: It’s critical to rethink the scale, design, and spatial distribution of public spaces, including sidewalks, parks, and open spaces, as well as public facilities such as libraries and community centers. This is particularly important in crowded developing country cities where floor space at home is limited and family sizes are generally large. This would improve social distancing and recreation, and provide opportunities for enhanced COVID-19 response and recovery. For example, the grounds of Goregaon, a nature park in Mumbai, India, and the sports village in Hyderabad are being used as makeshift quarantine facilities. Athens, Greece, plans to allocate 50,000 square meters of public space for cyclists and pedestrians, including a four-mile "grand walkway" connecting archaeological sites in the historic center. Dublin, Ireland, has set aside swathes of land for pedestrians and cyclists to facilitate physical distancing in a "temporary mobility plan" that may become long-lasting. In Bogota, Colombia, city officials have built 70 kilometers of additional bicycle lanes, while Auckland, New Zealand, is restricting the vehicular right of way to expand the width of sidewalks for social distancing. Such transformations will not only make it safer to move around these cities in a world changed by COVID, but also enhance livability for residents in crowded neighborhoods.
In North America, Canadian cities continue to score highest with Vancouver (3) ranking highest for overall quality of living, as well as sharing the top spot with Toronto, Montreal, Ottawa and Calgary for safety. All US cities covered in the analysis fell in the rankings this year, with Washington DC (53) the biggest faller. The exception was New York (44), rising one place as crime rates in the city continue to fall. Detroit remains the US city with the lowest quality of living this year, with the Haitian capital of Port-au-Prince (228) the lowest in all the Americas. Internal stability issues and public demonstrations in Nicaragua meant that Managua (180) fell seven places in the quality of living ranking this year, and ongoing cartel-related violence and high crime rates meant that Mexico, Monterrey (113) and Mexico City (129) also remained low.
Other commodities include spices and condiments used in preparation of the vegetable and dal recipes. Mustard oil, groundnut oil, and coconut oil have been taken, depending on the state-wise differences in the type of oil used for cooking. For fuel, cooking gas prices as well as firewood prices have been taken for which the data is available consistently.
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The safest city in Europe was Luxembourg (1), followed by Basel, Bern, Helsinki and Zurich in joint second. Moscow (200) and St. Petersburg (197) were Europe’s least safe cities this year. The biggest fallers in Western Europe between 2005 and 2021 were Brussels (47), due to recent terrorist attacks, and Athens (102), reflecting its slow recovery from economic and political upheaval following the global financial crisis.
Adjustable-rate mortgages, or ARMs, have an initial fixed-rate period during which the interest rate doesn't change, followed by a longer period during which the rate may change at preset intervals. Unlike a fixed-rate mortgage, ARMs are affected by market fluctuationss. So if rates drop, your mortgage payments will drop. However, the reverse is also true — when rates rise, your monthly payments will also rise. Generally, interest rates are lower to start than with fixed-rate mortgages, but since they’re not locked in to a set rate, you won't be able to predict future monthly payments. ARMs come with an interest rate cap above which your loan can not rise.
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As the Alliance publishes this updated version of the State of Homelessness, COVID-19 is creating a health and economic crisis in America and throughout the world. It is too soon to determine its ultimate impacts. Thus, this year’s report represents a baseline—the state of homelessness before the crisis began. It also reflects some early considerations and predictions about the influence of the pandemic on this vulnerable population.
Mobile dispatching applications have become popular for at least two major reasons. For every 100, 000 people in the capital, there were 169 knife offences in 2020-19. Health surveys conducted by the ABS in 1977-78 and 1983, while not part of the National Health Survey series, collected similar information.
To land a conventional loan, you’ll generally need solid credit and a steady paycheck. Qualification gets a bit tricky for borrowers who are self-employed. Down payments are another area of confusion. You’ll get the best deal with 20 percent down, but there are many programs that allow you to put down much less - as little as 3 percent for conventional loans, and nothing down for VA loans.
Those with higher incomes are far more likely to be able to work from anywhere. According to the Pew Research Center, 62 percent of workers with a bachelor's degree or more education had jobs that could be performed remotely. Only 33 percent of workers with some college or a two-year degree, 22 percent of those who did not go to college and 9 percent of those who did not graduate high school had jobs where they could work from home, as of February.
The two representatives previously co-authored a 2021 letter requesting the program be postponed, along with Garret Graves (R-Louisiana), Charlie Crist (D-Florida), David Rouzer (R-North Carolina), Debbie Mucarsel-Powell (D-Florida) and Francis Rooney (R-Florida). All signatories of the 2021 letter except Rooney have similarly accepted campaign donations from the National Association of Realtors PAC and/or the National Association of Home Builders PAC.
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Most lenders offer a 30- to 45-day rate lock free of charge. This means if the interest rate increases before your loan closes, you get the stated rate. However, if rates fall you won’t benefit unless you restart the loan process, a costly and time-consuming endeavor.
COVID-19 is creating a new type of emergency. According to an early estimate, 400,000 new units are needed to prevent the spread of the virus and care for the sick. These accommodations would allow for social distancing, quarantine, and isolation for people who are typically in crowded shelter settings or living unsheltered.
The /3 billion initial round of WIFIA funding supported 12 projects. For the current round of funding, targeted at billion, 39 projects were selected to apply. Sorensen called it an “important program” for her utility.
Environmental Protection Agency. Los Angeles was also invited to apply for a WIFIA loan to finance half of a 8 million upgrade to the Tillman wastewater treatment plant. The project will produce high-quality water that will replenish groundwater basins used as drinking water sources. San Diego, already a WIFIA loan recipient, is financing just under half of its /4 billion wastewater recycling facility through the program.
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Five of the six plans that experienced a static funding shortfall in fiscal 2021 fund their plans based on a statutory formula that does not match actuarial recommendations. Although Phoenix funds its Public Safety Personnel Retirement System (PSPRS) on an actuarial basis, its contributions are based in part on the assumption of an above-average long-term rate of return on investments and the plan is relying on future payroll growth to pay down its net pension liability, which backloads contributions.
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Seventy percent of people experiencing homelessness are individuals who are living on their own or in the company of other adults. The remainder (30 percent) are people in families with children.
Even single-digit increases add up over time — the nominal price of water, not taking inflation into account, more than doubled in Baltimore and climbed two and a half times higher in San Francisco over the last decade. At the same time, a utility that delays repairs is inviting even larger bills down the road. Appropriate spending and reasonable rates are a balancing act, acknowledged Franks.
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Existing progress has been uneven. Subpopulations prioritized in policy and practice (including funding decisions) have made the most impressive gains over the last decade. Veterans experienced the greatest decreases in homelessness—50 percent. Other subpopulations have realized smaller reductions that, nevertheless, are larger than those in overall homelessness. They include people in families (29 percent), chronically homeless individuals (9 percent), and people experiencing unsheltered homelessness (10 percent).
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Some residents also want to keep things adult-only. Amy Beins, 32, and her husband, who both left Seattle recently, love child-free spaces. Beins is not anti-kids, and also wants safe streets, parks and nice homes just like families do. But she says she “would likely pay extra to live in a child-free apartment community than one with children”.
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Compared to the previous year, homelessness increased by 3 percent in the 2021 Point-in-Time Count. This marked the third straight year of national-level increases.
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A national-level snapshot of these beds during the Point-in-Time count is informative. Individual community circumstances vary.
The landmarks were gone, the colors were monochromatic. It took several visits for it to sink in, to get your bearings.
Currently, TideWatch provides detailed forecasts up to 36 hours in advance. Ideally, by constantly refining his models, Loftis hopes to make reliable forecasts as much as 72 hours ahead of time. Another flood forecast system developed by researchers at George Mason University provides similar forecasts up to 84 hours in advance for residents in the Washington, DC, area.
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While making or receiving payments is one of the least common cell phone activities, it is much more common in the region where mobile money is a phenomenon – Africa, and more specifically, Kenya and its neighbor Uganda. Nearly seven-in-ten Kenyans (68%) who own a cell phone say they regularly use their mobile device to make or receive payments. Half in Uganda say this as well. Meanwhile, even though only 29% of mobile owners in South Africa and 24% in Senegal say they use their phones for monetary transactions, these are still among the highest percentages across all the countries surveyed. Only in Russia (24%) do as many cell owners use their device for such purposes. In the 18 countries surveyed outside of sub-Saharan Africa, a median of only 8% use their cell phones for making and receiving payments.
Though many of America’s major metropolitan centers have their iconic buildings to thank for their high degree of memorability, cities are always growing and changing, sometimes by restoring old buildings. Some cities have a reputation for their ever-evolving landscapes; Las Vegas demolishes and replaces its casinos and hotels so regularly that the implosions themselves actually have their own top-ten list.
Once people have access to the internet, they tend to engage in social networking. The most popular way in which people use social networking is staying in touch with family and friends. A near-universal median of 96% among social networking users across the 22 countries analyzed say they use SNS for this purpose (Pakistan and Uganda are excluded due to insufficient sample size). Sharing views about pop culture is also common, with a median of 73% saying they use social networks to post opinions on music and movies.
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All of which can affect the interest rate you receive in different ways. There are three main types of mortgages: conventional, government-insured, and jumbo loans, also known as non-conforming mortgages.
Climate change will make forests more susceptible to extreme wildfires. By 2100, if greenhouse gas emissions continue to rise, one study found that the frequency of extreme wildfires burning over approximately 25,000 acres would increase by nearly 50 percent, and that average area burned statewide would increase by 77 percent by the end of the century.
The Google Flood Forecasting Initiative has also made advances. The project has global ambitions, but for now, Nevo’s work has focused on the monsoon-prone Patna region in India’s northeast. Last year, the model provided accurate flood warnings in advance for incoming monsoons and cyclones — a major step forward for the region. In June, Google expanded its forecasts to encompass all of India, and it is beginning work on forecasts for Bangladesh.
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Seventeen out of every 10,000 people in the United States were experiencing homelessness on a single night in January 2021 during HUD’s Annual Point-in-Time Count. These 567,715 people represent a cross-section of America. They are associated with every region of the country, family status, gender category, and racial/ethnic group.
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With these two information streams, Nevo and colleagues built an inundation model of what will happen if, say, a river overruns its banks. This inundation model combines physics-based computations and machine learning to produce flood forecasts that can predict water levels within 15 centimeters 90 percent of the time.
Better.com is a 100 percent online lender that offers a range of low interest rate mortgage products for consumers across the United States. It holds the first spot on Bankrate’s June 2021 list of Best Mortgage Lenders.
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A mortgage rate lock freezes the interest rate. The lender guarantees (with a few exceptions) that the mortgage rate offered to a borrower will remain available to that borrower for a stated period of time. With a lock, the borrower doesn’t have to worry if rates go up between the time they submit an offer and when they close on the home.
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Houston's three, single-employer defined-benefit plans had a combined NPL of just over billion and a weighted funded ratio of 76% as of the 2021 valuations, while combined pension, OPEB, and debt service costs were elevated at 40% of governmental fund spending. At our most recent rating action (August 2021), we expressly tied Houston's future credit potential—both downside and upside—at least in part to how well or poorly it manages its pension liabilities and overall fixed-cost burden.
In Encinitas, an experiment in restoring a “living shoreline” is underway, an example of so-called soft armoring. Rather than piling up massive mountains of rock or pouring concrete to keep the sea at bay, the park built a dunes system anchored by native plants. The undulating sand dunes now provide an invaluable function, absorbing and slowing encroaching waves and providing habitat for an array of animals and plants.
But nobody will forget the lesson we were all just forced to learn: Telecommunications doesn’t have to be the perfect substitute for in-person meetings, as long as it’s mostly good enough. For the most part, remote work just works.
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You’ll sleep better once you’ve amassed an emergency fund equal to about six months’ worth of your expenses. Stash the cash in a liquid and accessible vehicle, such as a high-yield savings account. Shop around for the best rate, and for an account that fits your needs.
Bankrate helps thousands of people find mortgage and refinance lenders every day. To determine the best mortgage lenders, we used proprietary data to see which mortgage lenders on our platform received the most leads within a three-month period. More than 150 lenders were included in the evaluation. We then used our editorial expertise and judgment to assign superlatives to each lender based on factors such as fees, products offered, convenience and other criteria.
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But models like this are all theoretical until they are tested with real data. And that’s where projects like Catch the King come in.
Fresno is using revolving fund loans to finance four-fifths of a 9 million water system improvement project. The low-interest loans represent a significant savings over market rates. The average interest rate for revolving fund loans in 2021 was 1/6 percent, according to the EPA. That is the amount that Fresno is paying, a discount of 0 million over the life of the loan compared to other financing options, according to Fresno Public Utilities.
You might be able to find an even better deal: The mortgage offers advertised on Bankrate.com grew more generous during the week ending June 19. The average rate on mortgages clicked on by Bankrate readers was just 2/51 percent. This “clicked-on” rate reflects purchase mortgages and refinances with all terms, including 30- and 15-year loans. The rates may include discount points.
But are there certain landmarks that define that recognizability? Is Houston actually all that recognizable, or do people just know to check for the presence of the JPMorgan Chase building?
As far as interest rates, a fixed-rate is usually the best choice for folks who plan on staying in their home longer than a few years. Because adjustable-rate mortgages (or ARMs) usually have a lower interest rate to begin with, people who are going to sell their house within a couple years (or before they expose themselves to higher interest rates) might choose that option.
In 2021-20 (April-October), the most affordable thali was in Jharkhand as two vegetarian thalis for a household of five in the state required about 25 per cent of a worker’s daily wage. Non-vegetarian thali was also the most affordable there.
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We developed this methodology in April 2021 with the aim of rapidly deploying it based on three globally sourced datasets that reveal population density, available floor area, and access to basic services such as taps and toilets. Combined, these tell us where and how people live. Data on where people live come from WorldPop and Facebook, and data on key services are accessed through Open Street Map (OSM). The density and floor space data are available for 100m x 100m grids, giving us fine-grained information at the sub-neighborhood level. We also partnered with the German Aerospace Center (DLR) to access their innovative World Settlement Footprint 3D product (WSF-3D), which provides information on the height of buildings, making it possible to estimate floor area available in a given building.
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Cell phone ownership rates have skyrocketed in the last decade in most of the nations where data on trends is available. The pervasiveness of cell phone ownership in these nations is in part due to a lack of landline connections. Across the 24 countries, a median of only 23% say they have a working landline telephone in their house, including as few as 1% in Ghana and Kenya. Instead, many emerging and developing nations have skipped landlines and moved straight to mobile technology.