Ascension Insurance coverage, Inc. Appoints Amber Love-Jones Senior Consulting Analyst


Walnut Creek, CA (PRWEB) July 02, 2013

Ascension Insurance coverage, Inc. is pleased to announce the appointment of Amber Love-Jones to the position of Senior Consulting Analyst at Ascension Positive aspects &amp Insurance Options in the Walnut Creek workplace. Ascension is a leading insurance brokerage and consulting firm specializing in danger management, property &amp casualty and employee benefits options for organizations and folks.

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In her new position, Amber will work with consumers on a assortment of well being care associated subjects such as price and benefit evaluation, financial projections, budgeting, wellness initiatives, client relationships, renewals and health care reform impacts. She has over 15 years of expertise in the health care market, such as human resources management, project management and account management. Prior to joining Ascension, Amber also held the positions of Human Resources Manager and Project Manager at a national brokerage and consulting firm.

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Ambers principal concentrate has been on the advantages and client connection side, but she also has encounter in on the web enrollment, functioning with clients to promote advantages awareness by arranging wellness fairs and initiating corporate wellness plans. Ambers skillset has established invaluable to her clients, says Nicole Jones-Gyllstrom, President and National Rewards Practice Leader. She shares the exact same client focus and interest to detail that we worth so very, and we are thrilled to have her as portion of the Ascension team.

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Amber graduated from Holy Names University with a Bachelor of Arts Degree in Business Administration and Human Sources.

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Ascension Insurance, Inc. is ranked inside the Best 30 largest agencies by revenue size, with far more than 440 employees and 35 locations nationwide. Ascensions corporate mission is to produce a premier insurance agency that gives superior danger management and benefits consulting solutions. Ascension is a privately held corporation. Collectively with its private equity partners, Parthenon Capital and Century Capital Management, Ascension Insurance coverage, Inc. expects to grow to $ 200 million in revenue by 2017. To understand much more, pay a visit to http://www.ascensionins.com

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Leading Mortgage Analyst Forecast Indicates that 11 Million Properties will be Lost to Default

Miami, FL (PRWEB) October 7, 2010

According to Amherst Securities Group LP, a single of the most respected and major mortgage analyst, an alarming 11 million homes will be lost to default if items continue to move the way they are moving now.

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In an interview with Javier Zelaya, CEO of Corporate Asset Management, LLC (WWW.CAMREO.COM) a privately owned company, he pointed to the reality that one thing wants to be done in order to alleviate the issues caused by this mortgage crisis. He believes that this forecast by Amherst undoubtedly serves as a cry for support issued towards the government and any other entity with the energy to repair or try to boost the housing market place scenario.

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The forecast, which was released in October 1 says that the death spiral of reduce residence prices, a lot more borrowers underwater, greater transition prices (to default), far more distressed sales and lower home costs should be arrested.

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The report also explains that even though there have been recent speak about improvement in mortgage performance, this improvement just reflects big scale modification activity obtaining served to artificially reduced the delinquency rate, the report stated.

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The graph on the appropriate was provided by Amherst Mortgage Insight, and it serves to show the point just pointed out. You can observe an improve in mortgage balances of delinquencies, and also its artificial reduction.

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As far as the fate for defaulting properties, Javier Zelaya explains that the numbers provided by the report are not promising at all, particularly for severe adverse equity properties.

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According to the report, nineteen % of properties with a loan-to-worth of 120% or greater are defaulting every single year.

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The table displayed on the correct was put with each other by HousingStory.net making use of the data offered by Amherst Securities group. It gives the breakdown for House defaults forecasted to add up to an alarming 11 million properties to be lost to default.

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Amherst report also says that possible solutions to this imminent issue could include mandatory principal reductions, looser underwriting of new mortgage loans, leveraged capital pools for investors, and penalties for defaulting homeowners. According to Amherst, a family members who defaults can live rent-free of charge for 20 months on typical. Therefore, Amherst proposes that missed mortgage payments, which includes property taxes and insurance coverage, be counted as W2 earnings.

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Javier Zelaya agrees with Amherst statement that there are also other factors that want to be taken into consideration when studying the marketplace situation. There have been current signs of distress in the market place which incorporate two current record-low readings of existing house sales and the elevated measures for underwriting standards at Fannie and Freddie. Back in 2006, negative-credit borrowers represented about 20% of borrowers, today only 2% of Freddie purchases are poor-credit borrowers.

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To repair this difficulty, one particular of the a lot more desperate measures recommended by the authors of Amherst report is to generate a new mortgage for these home owners who are now behind in their payments. This (default) can be fixed by re-qualifying borrowers who are in a residence they cant afford into a single they can afford, the report explains.

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Though a lot of attempts can and have been made to alleviate the mortgage crisis, If government policy does not change, over 11.5 million borrowers will be in danger of losing their home, the report mentioned.

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About Corporate Asset Management, LLC:

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Corporate Asset Management, LLC is an REO service Management Company that gives true estate lenders and investors a full solution to REO Management and Disposition nationwide. It specializes in the liquidation of single- and multi-family members residences, land, and commercial properties. With their technology and verified management expertise they are in a position to decrease losses in reduce recovery time. Its clients consist of commercial banks, savings and loans, investment bankers, pension funds, mortgage firms, as nicely as customer finance companies and investors looking for a much better way to facilitate the foreclosure procedure.

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By Elizabeth Martinez

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Corporate Asset Management, LLC&#13

Executive Tower&#13

11400 West Olympic Boulevard, Suite 200&#13

Los Angeles, CA 90064&#13

Tel. (213) 596-7682

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Mortgage Lending News, LLC&#13

http://www.mortgagelendingnews.com&#13

11601 Biscayne Blvd. Suite 201&#13

Miami, FL 33181&#13

Tel. (305) 280-7400

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