Friday, November 3, 2006
On November 13, Torontonians will be heading to the polls to vote for their ward’s councillor and for mayor. Among Toronto’s ridings is St. Paul’s West (Ward 21). One candidate responded to Wikinews’ requests for an interview. This ward’s candidates include John Adams, Tony Corpuz, Joe Mihevc (incumbent), and John Sewell.
For more information on the election, read Toronto municipal election, 2006.
Wednesday, December 7, 2016
Chemotherapy is usually associated with a collection of side effects ranging from digestive problems to hair loss, but a study published this week in Human Reproduction demonstrated that female cancer patients may find they have something in common with much younger women in one specific area — their ovaries.
Scientists from the University of Edinburgh examined donated ovarian tissue from fourteen female cancer patients, most of whom had Hodgkin lymphoma, and compared it to tissue from healthy women. They found the samples from women who had been treated with a specific chemotherapeutic regimen known as ABVD not only contained greater numbers of dormant ova — egg cells — than those from women treated with harsher regimens but also more than samples from healthy women. ABVD is named for combining several drugs known as adriamycin, bleomycin, vinblastine, and dacarbazine.
These reproductive cells were not merely more plentiful in ABVD patients. They also appeared immature, “new” in the words of lead researcher Evelyn Telfer. This challenges the conventional belief that girls are born with all the ova they will ever have and the numbers can only go down as the cells are either used up by the reproductive cycle or succumb to damage or natural aging. However, further research is needed to confirm this. The study covered relatively few patients by scientific standards, and David Albertini of the Center for Human Reproduction in New York has suggested the cells may not actually be freshly grown. Instead, they may have always been there and were merely rendered more detectable by ABVD treatment.
The ability to grow new egg cells may have significant implications for women in Western societies, many of whom postpone childbearing to establish careers, sometimes into their late thirties or forties. However, Telfer warns against making use of these findings too soon: “There’s so much we don’t know about the ovary. We have to be very cautious about jumping to clinical applications.”
The experiments had been discussed earlier this year at the annual conference of the European Society of Human Reproduction and Embryology.
Saturday, October 20, 2007
Dell Inc. announced on Tuesday that it will partner up with the Microsoft-Nortel Innovative communications alliance (ICA) team to sell Unified Communications and VoIP products.
The announcement on Tuesday the 16th of October 2007 includes Dell selling VoIP, data and wireless networking products from Nortel and the Microsoft Office Communications Server 2007 and other unified communications products.
The partnership with both manufacturers should allow Dell to provide a pre-integrated solution.
In March 2007, competitors IBM and Cisco announced they would join in the competition for developing unified communications applications and the development of open technologies around the unified communications and collaboration (UC2) client platform an application programming interfaces (APIs) offered by IBM as a subset of Lotus Sametime.
“We want to make it simple for our customers to deploy unified communications so their end users can get access to all their messages in one place – whether its e-mail, phone or mobile device. This will pave the way for more business-ready productivity tools,” said vice president of solutions, Dell Product Group, Rick Becker.
By Jason Gluckman
The beauty and warmth of granite makes it an ideal countertop material for aesthetic and practical purposes in most any kitchen. In addition to its natural strength, granite is a very beautiful stone that adds color and warmth to a room. Although granite countertops are quite popular, a homeowner may not want to spend the premium price for granite, or may live in an area subject to limitations on resale values. In cases like this, discount granite countertops are an attractive option.
Granite is relatively expensive, with prices starting at $60 a square foot. The majority of the cost is not in the stone itself, but in the quarrying, transportation, polishing and installation. Typically homeowners will contribute labor on improvements to reduce costs, but installing granite countertops should be left to the professionals. However, a large marketplace with numerous suppliers and substantial discounts creates a price range that allows anyone to have granite countertops in their home.
Granite suppliers will typically have three or four groupings of granite to choose from. The suppliers will refer to their groupings or ‘tiers’ by numbers. The first tier will include the premium products that sell for the highest price. A stone is grouped based on several criteria, including country of origin, color, veins or patterns, thickness of the slab, amount of soft minerals in the stone, and fashion trends. Granite from lower tiers has the same beauty and utility as the slabs in the upper groupings. Additionally, stones in a lower tier could be harder than some stones in a first tier, so it pays to get out and look around.
While granite from the lower tiers exhibits the hardness granite is known for, the presence of softer minerals may require additional cabinet supports or a penetrating sealant. Thinner cut stone may be a little less than two centimeters instead of a recommended three; if so, the installer can provide additional stability by laminating it to plywood backing. Discount granite suppliers will typically deal with a thinner cut stone, and many suppliers now carry stones that are intentionally cut thin and laminated at the quarry.
Another option would be having granite tile countertops. Tiles are fashioned from the same desirable stone as solid granite countertops. All elements of the granite remain the same, with exception to the size of the granite slabs. Granite tiles, while needing special care, can be installed (with the right tools and preparation) by a homeowner.
Granite tiles are laid in the same manner as ceramic tile, with consideration for the additional thickness of the stone. All of the countertops in the kitchen can be covered in tile, or a few large tiles can be inlaid to other countertop surfaces such as Formica. Strategically placed twenty-four inch granite tiles inlaid near the range or oven allow for searing hot pans to be placed on an otherwise delicate countertop. A thirty-six inch granite tile set into the counter work area serves as an excellent surface for rolling dough and working with confectionery.
The homeowner on a tight budget has many options for to providing a touch of luxury with discount granite countertops. Today, many manufacturers will fabricate the countertops in the country of origin, which reduces the costs attributed to waste and shipping fees. Although prefabricated countertops are made with thinner slices of stone, they are laminated to plywood for strength. Prefabricated pieces are also cut to fit basic lengths and L-shaped counter layouts of most kitchens, allowing for lower costs related to installation. Another benefit with prefabricated pieces is that the country of origin will typically have lower wages for labor, which greatly saves on installation costs.
Discount granite countertops have proven to be a wise investment for any homeowner. Clever design and planning allow homeowners to enjoy the benefits of granite without the traditional large expense.
About the Author: Granite Counter Tops provides detailed information on granite kitchen and tile countertops and more. For more information go to e-granitecountertops.com and/or visit its sister site at e-kitchensinks.com for related information.
Source: isnare.com
Permanent Link: isnare.com/?aid=15641&ca=Home+Management
Tuesday, November 21, 2006
Buffalo, New York —Buffalo, New York developers have been stymied by old real estate deeds.
The prospective Elmwood Village Hotel may be scuttled and businesses now located there may be forced to move.
Frustrations over property located in an area once known as “Granger Estates” circulate around a clause in the original deeds over land divided by then-owner Erastus Granger in the early 1800’s.
According to the documents, “no business establishment of any kind whatsoever” shall ever be constructed on the property, and they shall forever be exclusively for residential use only. Also prohibited are barns, farms and stables.
Sam Savarino, CEO of Savarino Companies, the prospective hotel developer, announced that his legal research team found the restrictions on properties located between 1109 and 1121 Elmwood Avenue which also stated in part that “no businesses, hospitality establishment of anykind whatsoever” shall ever be permitted to be built on the property.
Savarino, whom is expected to contest the restrictions, said that his company could have ignored the findings, but that, “we can’t risk the future of a multimillion-dollar project on the hope they wouldn’t be discovered. Our opponents would have had a field day if they’d surfaced after the fact.”
Savarino said his attorneys and researchers are anticipated to determine “exactly what weight the restrictions carry and if there’s a way for the courts to negate them.”
Existing businesses are also jeopardized.
Hans Mobius, owner of some of the restricted properties upon which a carriage house is built, said, he wasn’t aware of any restrictions, and “never had a reason to research the deed and title documents.” He confidently added that, “the lawyers can get this taken care of.”
Other threatened businesses include Don Apparel, H.O.D. Tattoo, Forest Plaza Art Gallery and Allentown Music.
| This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation. |
Thursday, October 22, 2020
2020 Melbourne Lord Mayor candidate Wayne Tseng answered some questions about his campaign for the upcoming election from Wikinews. The Lord Mayor election in the Australian city is scheduled to take place this week.
Tseng runs a firm called eTranslate, which helps software developers to make the software available to the users. In the candidate’s questionnaire, Tseng said eTranslate had led to him working with all three tiers of the government. He previously belonged to the Australian Liberal Party, but has left since then, to run for mayorship as an independent candidate.
Tseng is of Chinese descent, having moved to Australia with his parents from Vietnam. Graduated in Brisbane, Tseng received his PhD in Melbourne and has been living in the city, he told Wikinews. Tseng also formed Chinese Precinct Chamber of Commerce, an organisation responsible for many “community bond building initiatives”, the Lord Mayor candidate told Wikinews.
Tseng discussed his plans for leading Melbourne, recovering from COVID-19, and “Democracy 2.0” to ensure concerns of minorities in the city were also heard. Tseng also focused on the importance of the multi-culture aspect and talked about making Melbourne the capital of the aboriginals. Tseng also explained why he thinks Melbourne is poised to be a world city by 2030.
Tseng’s deputy Lord Mayor candidate Gricol Yang is a Commercial Banker and works for ANZ Banking Group.
Currently, Sally Capp is the Lord Mayor of Melbourne, the Victorian capital. Capp was elected as an interim Lord Mayor in mid-2018 after the former Lord Mayor Robert Doyle resigned from his position after sexual assault allegations. Doyle served as the Lord Mayor of Melbourne for almost a decade since 2008.
By Jason Bacot
Most car key systems today are what are known as transponder keys. The fob that you carry with your car keys contains a tiny radio transmitter. When you push a button on the key fob, the transmitter sends a coded signal to the receiver inside the car that is tuned to the same frequency as the transmitter. Most systems transmit signals in the 300 to 400 MHz frequency range.
So how come you can’t click “unlock” in a crowded Chicago parking lot and open a bunch of other cars? Back in the early days of automatic garage door openers, the systems were so simple that you actually could open garage doors with most any opener remote, so as these systems became more common, manufacturers had to come up with security measures to prevent this. Similar security systems are used with modern car keys.
It’s easy enough to get your hands on a radio scanner, so it would seem that you could capture the code transmitted by a key fob and use it to open a car. However, the controller chip in today’s key systems uses what are known as rolling codes to secure your car. The so-called 40-bit rolling code algorithm can generate around a trillion random codes.
The transmitter’s controller chip holds the current 40-bit code in its memory, and when you push a button on the key fob, it sends that code plus a function code that “tells” your car what to do (like lock or unlock the doors). The receiver’s controller also has a memory device that holds the current 40-bit code. If it receives the code it expects, it performs the action. If it doesn’t, it doesn’t do anything.
Both transmitter and receiver use the same pseudo-random number generator so that when the transmitter sends the current 40-bit code, the random number generator picks a new code and stores it in memory. Then, the receiver stores the same new code. Transmitter and receiver are synchronized so that the proper transmitter always sends the expected code to the receiver.
Using this type of signal and random number generator, there is only the most minuscule chance of being able to open someone else’s car doors, particularly since car manufacturers all use different systems. Code capturing using a radio scanner won’t work with this type of system either, because there’s not way to predict which random number the transmitter and receiver have chosen next.
So how do you get replacement car keys with such a system? You could call your car dealer, or you could call a trusted Chicago area locksmith. Both do the same job, but a car locksmith charges far less. Your Chicago locksmith has software and hardware that can reprogram new transponder keys, getting you moving again usually within half an hour.
If you discover that you’ve lost your car keys calling a Chicago local locksmith is much more cost-effective than calling your car dealer to replace your keys. A trained automotive locksmith understands how today’s transponder key systems work, and can program new ones for virtually any make or model car quickly and with less overhead. Today’s key systems are designed with robust security, but a trained locksmith knows how to get you moving again with new keys just as secure as the originals.
About the Author: Jason Bacot – Are you looking for an Automotive Locksmith because you lost your keys? Then I suggest you get your
Transponder Keys
and
Replacement Car Keys
fixed at OmegaLockSmith.com immediately.
Source:
isnare.com
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Saturday, May 31, 2008
Space Shuttle Discovery has successfully launched from Launch Complex 39A at the Kennedy Space Center in Florida, beginning mission STS-124. Discovery will deliver the main pressurised module of the Japanese Experiment Module to the International Space Station. Lift-off occurred at 21:02:12 GMT this evening, with the ascent to an initial sub-orbital trajectory lasting approximately eight and a half minutes. Orbital insertion occurred shortly afterwards, with a circularisation burn which concluded at 21:42 GMT.
This is the third Space Shuttle mission of 2008. STS-124 is the second of three missions to assemble the Japanese Experiment Module, also known as Kibo. The JEM Pressurised Module (JEM PM or JPM) is the largest laboratory module of the International Space Station, and one of the largest payloads ever launched by the Space Shuttle. The main Japanese robot arm, or RMS, will also be launched on this mission. Discovery’s mission is scheduled to last for fourteen days, however it can be extended by two days if necessary. Three spacewalks, or EVAs, are planned to be conducted.
STS-124 has a crew of seven astronauts; Mission Commander Mark E. Kelly, Pilot Kenneth Ham, Mission specialists Karen L. Nyberg, Ronald J. Garan, Michael E. Fossum and Akihiko Hoshide, and Expedition 17 crewmember Gregory Chamitoff. All crewmembers are American, except Hoshide, who is Japanese. The astronauts were awoken at 11:30 GMT on launch day, and began preparations for their launch. This is the first spaceflight for Ham, Nyberg, Garan, Hoshide and Chamitoff, the second for Fossum, and the third for Kelly. The launch coincides with Kelly’s father’s birthday.
Preparations for launch had been underway for several months. The External Tank arrived at the Kennedy Space Center in late March. Following tests in a checkout cell, it was mated with two solid rocket boosters which had been assembled on a Mobile Launch Platform. Discovery was then rolled from the Orbiter Processing Facility to the Vehicle Assembly Building for mating with the External Tank and boosters. Rollover occurred in late April, and was followed by rollout to the launch pad about a week later.
The Kibo pressurised module arrived at the Kennedy Space Center in May 2003 by ship. It was then moved to the Space Station Processing Facility. Electrical interface tests with the Harmony node were conducted in August 2003. At the end of April 2008, the module was placed in a transportation canister, and moved to the launch pad. The payload arrived at the launch pad about a week ahead of the Shuttle. Once Discovery arrived at the launch pad, the module was placed into Discovery’s payload bay. Owing to the size of the payload, there was no room in Discovery’s’ payload bay for the Orbiter Boom Sensor System (OBSS), a safety device used primarily to inspect the Shuttle Orbiter’s heat shield. As a result of this, Endeavour left its OBSS at the International Space Station, during the last Shuttle Mission, STS-123. Discovery’s crew will collect this during an EVA.
Fueling of Discovery’s External Tank in preparation for launch began at 11:50 GMT. By 12:50, it had been confirmed that initial tests on Engine Cutoff (ECO) sensors in the External Tank had been conducted successfully. ECO sensor failures had caused a number of delays to recent Shuttle launch attempts, and STS-124 is the first mission to use a modified tank, which is intended to eliminate such faults. At the time at which tanking began, weather forecasters predicted an 80 percent chance of acceptable conditions at the scheduled launch time. Fuelling was completed, and topping up of cryogenic propellant began, at 15:36. In addition to the ECO sensor modifications, this was the first mission to use an External Tank manufactured after the Columbia accident in 2003, and therefore the first tank to have all safety enhancements built into it, rather than retrofitted.
The terminal countdown resumed after a planned hold at T-3 hours, at 17:07 GMT. Crew walkout from the Operations and Checkout building at the Kennedy Space Center occurred at 17:12. Following walkout, the crew boarded a bus known as the “astrovan”, which was used to transport them to the launch pad. The crew arrived at the launch pad at 17:31, and began boarding Discovery at 17:38. As Mission Commander, Mark Kelly was the first to board the orbiter. He was followed by Chamitoff at 17:42, Ham at 17:52, Fossum at 17:55, Nyberg at 18:08 and Hoshide at 18:11. Ron Garan was the last to board the orbiter at 18:21. Pad technicians known as the closeout crew, assisted the astronauts with boarding the Shuttle, and getting strapped in. The pad technicians were cleared to close the orbiter’s access hatch at 19:02 GMT, and the hatch door was closed two minutes later at 19:04. Sealing the hatch was completed at 19:54.
A scheduled ten-minute hold at T-20 minutes began at 19:47 GMT. During this hold, the closeout crew put thermal insulation plugs into screwholes on the orbiter’s hatch, removed protective covers, and disassembled the white room, a collapsible structure at the end of the crew access arm which is used to access the spacecraft. The countdown resumed at 19:57. At that time, no problems were being worked.
The final built in hold, at T-9 minutes and lasting for 45 minutes and 12 seconds, began at 20:08. During this hold, flight controllers set the exact launch time to be 21:02:12 GMT, and confirmed that the launch window would end at 21:08:59 GMT. The countdown was set to resume at 20:53:12. Shortly before the end of the hold, the launch director described conditions as a “gorgeous day to launch”, and wished the crew “good luck and Godspeed”. Mark Kelly thanked him, and replied “whilst we tend to live for today, Discovery, with Kibo, will certainly deliver hope for tomorrow”. Countdown resumed on time at the end of the hold, and the automated Ground Launch Sequencer was initiated.
When giving clearance to retract the Orbiter Access arm from the Shuttle, seven minutes before launch, the Orbiter Test Conductor wished the crew “best of luck delivering JEM to the International Space Station”. Four minutes before launch, the engines were purged of gasses, and tests of the flight control surfaces began. Liquid hydrogen tanks were pressurised shortly after at T-3 minutes, and the fuel vent cap was retracted. Two minutes before lift-off, the crew were instructed to close and lock their visors, and the liquid oxygen tank was pressurised. At T-50 seconds, the orbiter switched to internal power, and the Shuttle’s flight computers took over control of the countdown at T-31 seconds.
Launch occurred on schedule at 21:02:12 GMT. The Solid Rocket Boosters separated about 120 seconds into the flight, and around eight and a half minutes after launch, the Main Engines (SSMEs) shut down, and the External Tank was jettisoned. At this time, Discovery was on a 65km x 217km x 51.6° sub-orbital trajectory. Orbital insertion followed about thirty minutes later, with a firing of Discovery’s OMS engines. This burn started at 21:39 GMT, and ended at 21:42, lasting two minutes and 44 seconds.
At the time of launch, the International Space Station was flying over the Atlantic Ocean, South-East of Canada. Following launch, a fault was detected with the backup electrical system controlling the left OMS engine gimbal actuator. As it was a backup, flight controllers predicted that it would have no effect on the mission, and all scheduled burns will go ahead. The fault was later traced to the failure of both transducers in the unit, and it was reported that the problem was probably due to an equipment malfunction as opposed to a faulty sensor. When asked about the faulty actuator, NASA Administrator Mike Griffin stated that at the “worst case it would be a loss of redundancy but we will still be able to use that system”. Discovery’s payload bay doors were opened at 22:35 GMT. At 23:09, the crew were cleared to begin on-orbit operations.
Processing and countdown progressed smoothly, and were described by Discovery’s processing and launch flow director, Stephanie Stilson, as being “a very clean flow”. Mission Commander Mark Kelly remarked that there had been a “historic low on spacecraft issues”. Around four hours prior to launch, Stilson remarked that there had been 73 anomalies detected so far. The smallest number of anomalies during the countdown for a previous mission was 76, for STS-103.
Moron AFB in Spain was considered the primary transoceanic abort landing (TAL) site, should an engine failure, or other major problem have occurred during early ascent. Istres in France was considered the backup TAL site. The weather at both of these sites was good, however no abort was required during the launch.
This is the 123rd Space Shuttle mission, and the 35th to be flown by Discovery. Ten further missions are planned, including two contingency logistics flights, prior to the Shuttle’s retirement in 2010. Discovery is assigned to three of these missions. It is next scheduled to fly in early 2009, on mission STS-119. The next Space Shuttle mission will be conducted by Atlantis, which will fly STS-125, the final mission to service the Hubble Space Telescope. This is the fourth manned, and 27th orbital launch of 2008.
At a press conference following launch, NASA Administrator Mike Griffin stated that it was “a huge day for the space station partnership”, and that the International Space Station was “a place in orbit where we can learn to live and work in space”. He congratulated JAXA on the launch of the Japanese Experiment Module, saying that “Japan has now built a first class laboratory…which is capable of supporting humans in space”, and that “with this step Japan has shown itself to be capable of performing at the highest levels of space exploration”. Griffin also stated the STS-124 is “an essential step” in the Space Station programme. When asked by a reporter how he felt about recent NASA successes, including the STS-124 launch, and the landing of the Phoenix probe on Mars last Sunday, he joked that it felt “so great that not even having to do a press conference, two press conferences in a week can ruin it”. When asked about the difficulty of what NASA was doing, he remarked that flight controllers “make it look easy”, but “it is so far from being easy that I could talk until 6am tomorrow, and I wouldn’t touch on how difficult it is”.
NASA Associate Administrator for Space Operations Bill Gerstenmaier said that it was “a great day for the launch”, and described STS-124 as a “pretty challenging mission”. Gerstenmair stated that five foam debris impacts had been identified during ascent, but that NASA “don’t consider this a big deal, they were all late”. When asked what he meant by ‘late’, he explained that after 123 seconds into the flight, pieces of falling foam debris “can’t build up enough velocity to hit the orbiter, or if they hit the orbiter they will just bounce off” He went on to say that “things look really well and look really good”, and that NASA have “no concern” about foam, “It’s not an issue to us”.
Launch Integration manager LeRoy Cain described it as a “flawless countdown and a flawless launch”. He said that STS-124 is “a big milestone for us”, and went on to explain that “this is the most important mission we have going right now”. He also stated that the “tank’s performance looks really good”.
Launch Director Mike Linebach stated that it was a “Fantastic launch”, that was tying for the lowest faults during a countdown, with 74 issues reported. Stephanie Stilson has previously stated that the record was 76 issues, so it is unclear whether STS-124 has set a new record, or is tying with the previous record. Linebach went on to describe the launch as “outstanding”.
Keiji Tachikawa, the President of JAXA said that he “was very delighted to see the Shuttle Discovery successfully launched”. He stated that the Kibo module would “significantly enhance the capability to perform experiments in orbit”, and that experiments conducted aboard the Space Station, and the Kibo module, would lead to “better daily lives for the people of our planet”. He also expressed his “profound appreciation to NASA, and all international and domestic organisations” involved in the launch, explaining that the mission is “very significant to Japan”.
Sunday, November 28, 2010
| In tough financial times we need to make sure that our focus is on patient care and every penny is spent in the most efficient way. | ||
Over 800 National Health Service staff in Scotland are earning more than £140,000 each year—more than First Minister Alex Salmond. New figures also reveal that 3,000 NHS workers are earning over £100,000. One NHS board alone, NHS Greater Glasgow and Clyde, employs 893 staff earning more than £100,000, and 181 being paid over £140,000.
Jackie Baillie, health spokeswoman for the Labour Party, which uncovered the figures, said they were “astonishing”, and urged health boards to examine if savings can be made by reducing salaries of top earners. “This is a far better option than cutting frontline staff like nurses and midwives. In tough financial times we need to make sure that our focus is on patient care and every penny is spent in the most efficient way.” She further said: “In the current economic climate, it is impossible to justify huge salaries for consultants and senior executives when health boards are planning 4000 job losses this year, including 1500 nurses and midwives.”
Britain’s largest health service industrial union, Unison, questioned the amount of money the NHS was paying. A spokesperson said: “Unison doesn’t begrudge anybody the rate of pay for the job but obviously our membership will be concerned that while they are to face a pay freeze and people delivering frontline services are losing their jobs, there is a cohort of folk who appear to earn more than the most senior politician in the land.”
Tuesday, October 14, 2008
The San Diego, California suburb of Chula Vista has responded to the recent housing crisis with an aggressive blight control ordinance that compels lenders to maintain the appearance of vacant homes. As foreclosures increase both locally and throughout the United States, the one year old ordinance has become a model for other cities overwhelmed by the problem of abandoned homes that decay into neighborhood eyesores.
Chula Vista city code enforcement manager Doug Leeper told the San Diego Union Tribune that over 300 jurisdictions have contacted his office during the past year with inquiries about the city’s tough local ordinance. Coral Springs, Florida, and California towns Stockton, Santee, Riverside County, and Murietta have all modeled recently enacted anti-blight measures after Chula Vista’s. On Wednesday, 8 October, the Escondido City Council also voted to tighten local measures making lenders more accountable for maintenance of empty homes.
| Lenders will respond when it costs them less to maintain the property than to ignore local agency requirements. | ||
Under the Chula Vista ordinance lenders become legally responsible for upkeep as soon as a notice of mortgage default gets filed on a vacant dwelling, before actual ownership of the dwelling returns to the lender. Leeper regards that as “the cutting-edge part of our ordinance”. Chula Vista also requires prompt registration of vacant homes and applies stiff fines as high as US$1000 per day for failure to maintain a property. Since foreclosed properties are subject to frequent resale between mortgage brokers, city officials enforce the fines by sending notices to every name on title documents and placing a lien on the property, which prevents further resale until outstanding fines have been paid. In the year since the ordinance went into effect the city has applied $850,000 in fines and penalties, of which it has collected $200,000 to date. The city has collected an additional $77,000 in registration fees on vacant homes.
Jolie Houston, an attorney in San Jose, believes “Lenders will respond when it costs them less to maintain the property than to ignore local agency requirements.” Traditionally, local governments have resorted to addressing blight problems on abandoned properties with public funds, mowing overgrown lawns and performing other vital functions, then seeking repayment afterward. Chula Vista has moved that responsibility to an upfront obligation upon lenders.
| That kind of measure will add additional costs to banks that have been hit really hard already and ultimately the cost will be transferred down to consumers and investors. | ||
As one of the fastest growing cities in the United States during recent years, Chula Vista saw 22.6% growth between 2000 and 2006, which brought the city’s population from 173,556 in the 2000 census to an estimated 212,756, according to the U.S. Census Bureau. Chula Vista placed among the nation’s 20 fastest growing cities in 2004. A large proportion of local homes were purchased during the recent housing boom using creative financing options that purchasers did not understand were beyond their means. Average home prices in San Diego County declined by 25% in the last year, which is the steepest drop on record. Many homeowners in the region currently owe more than their homes are worth and confront rising balloon payment mortgages that they had expected to afford by refinancing new equity that either vanished or never materialized. In August 2008, Chula Vista’s eastern 91913 zip code had the highest home mortgage default rate in the county with 154 filings and 94 foreclosures, an increase of 154% over one year previously. Regionally, the county saw 1,979 foreclosures in August.
Professionals from the real estate and mortgage industries object to Chula Vista’s response to the crisis for the additional burdens it places on their struggling finances. Said San Diego real estate agent Marc Carpenter, “that kind of measure will add additional costs to banks that have been hit really hard already and ultimately the cost will be transferred down to consumers and investors.” Yet city councils in many communities have been under pressure to do something about increasing numbers of vacant properties. Concentrations of abandoned and neglected homes can attract vandals who hasten the decline of struggling neighborhoods. Jolie Houston explained that city officials “can’t fix the lending problem, but they can try to prevent neighborhoods from becoming blighted.”
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CEO Robert Klein of Safeguard, a property management firm, told the Union Tribune that his industry is having difficulty adapting to the rapidly changing local ordinances. “Every day we discover a new ordinance coming out of somewhere”, he complained. Dustin Hobbs, a spokesman from the California Association of Mortgage Bankers agreed that uneven local ordinances are likely to increase the costs of lending. Hobbs advised that local legislation is unnecessary due to California State Senate Bill 1137, which was recently approved to address blight. Yet according to Houston, the statewide measure falls short because it fails to address upkeep needs during the months between the time when foreclosure begins and when the lender takes title.
