Tag Archives: Information

Kramer and Kaslow: RealtyTrac Releases New Home Foreclosure Information

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Calabasas, CA (PRWEB) June 08, 2011

According to information recently published by the information collection service RealtyTrac, (http://www.realtytrac.com/content material/press-releases/foreclosure-activity-at-40-month-low-6578), property foreclosure activity has fallen to a 40 month low. Foreclosure activity decreased on an annual basis for the seventh straight month in April, bringing foreclosure activity to a 40-month low, said James J. Saccacio, chief executive officer of RealtyTrac. This slowdown continues to be largely the result of massive delays in processing foreclosures rather than the result of a housing recovery that is lifting people out of foreclosure.

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In the same article, RealtyTrac is additional reporting that the typical length of time between a homeowner falling behind in their payments and a foreclosure getting filed has improved substantially, Nationwide, foreclosures completed (REOs) in the 1st quarter of 2011 took an typical of 400 days from the initial default notice to the REO, up from 340 days in the very first quarter of 2010 and a lot more than double the typical 151 days it took to foreclose in the initial quarter of 2007.

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Philip Kramer, a perennial recipient of the Southern California Super Lawyer award and senior companion at the law firm of Kramer &amp Kaslow, observes that these fresh statistics might have an impact on new government regulations, particularly in light of the recent GAO report on mortgage lender practices (http://www.gao.gov/new.products/d11433.pdf). Kramer, whose consolidated plaintiff litigation lawsuits have been filed against key banks hopes that the undesirable news may possibly need to some a lot necessary help for struggling home owners.

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For much more of Philip Kramers thoughts on this matter, go to the Kramer and Kaslow weblog.

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ABOUT PHILIP KRAMER&#13

PHILIP A. KRAMER is the senior companion of the Law Office of Kramer &amp Kaslow, in Calabasas, California. Kramer &amp Kaslow is Martindale Hubbell AV rated. Mr. Kramer is a perennial recipient of the prestigious Southern California Super Lawyer award.

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Mr. Kramer received his undergraduate degree from Ohio State University and his Juris Doctorate from the Catholic University of America, in Washington, DC. His practice emphasizes industrial litigation and trial advocacy, with a concentration on organization litigation, and actual home matters. He has prosecuted and defended situations for over twenty five years.

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Mr. Kramer is a licensed true estate broker and has spent considerable time providing legal solutions in connection with real estate concerns relating to loan modification and loss mitigation, land use and zoning, environmental concerns, easements, construction and improvement, finance, and landlord tenant matters.

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Mr. Kramer is admitted to practice ahead of all courts in the State of California, the United States Supreme Court and the United States Court of Military Appeals. Mr. Kramer has attempted in excess of 200 situations. He has appeared on nationally televised applications regarding pre-trial process and trial method and has appeared as a guest lecturer on topics ranging from constitutional law to trial practice, and Mr. Kramer frequently lectures on a broad spectrum of numerous legal and organization problems.

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Mr. Kramer also serves as a Judge Pro Tem for the Los Angeles Superior Court and as a Mediator.

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Mr. Kramer is also a previous president of the Los Angeles West Inns of Court, a national organization devoted to bringing professionalism and civility back into the legal profession. He also serves on quite a few Boards of Directors and serves as an officer in numerous companies. For a lot more information contact (818) 224-3900 or check out http://kramer-kaslow.com.

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Zane Benefits Publishes New Information on Modest Firms Wellness Insurance Requirements in 2014

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Park City, Utah (PRWEB) June 12, 2013

Right now, Zane Positive aspects, Inc. published new info on Tiny Companies Wellness Insurance coverage Needs in 2014. Zane Advantages, which provides comprehensive and flexible options to conventional employer sponsored wellness positive aspects, is the leader in defined contribution and wellness reimbursement arrangement plans.

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According to Zane Rewards internet site, several tiny companies are asking “starting in 2014, do I have to provide well being insurance to employees?” According to the Inexpensive Care Act (ACA), no company has to offer you well being insurance. Even so, the ACA involves a mandate for certain large employers (with more than 50 complete time equivalent workers) to either provide qualified and cost-effective health rewards, or pay a tax penalty. This is typically referred to as the employer mandate, play or spend requirement, or employer shared responsibility.

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It is critical for little organizations to realize regardless of whether they are defined as an applicable huge employer by the IRS, as the mandate and employer tax penalties only apply to the little enterprise if regarded an applicable massive employer.

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No Mandate or Penalties for Employers with Less Than 50 Staff

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According to Zane Positive aspects site, if a organization has significantly less than 50 employees, the mandate and tax penalty does not apply to the small enterprise.

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How the IRS Defines Applicable Huge Employer

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According to Zane Rewards internet site, for the majority of businesses calculating regardless of whether the business is an applicable big employer is a straightforward calculation. However, for companies on the border with many element-time or seasonal employees, the calculation will be much more in-depth. In common, if the company employed an typical of 50 or a lot more complete-time equivalent (FTE) personnel for the duration of the preceding calendar year, the business is regarded an applicable huge employer for the existing year.

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Very first, a enterprise is defined as an applicable huge employer on a calendar-year basis. For example, a organization could be an applicable large employer in 2015, but not in 2014. Did the organization employ 50 or far more full-time employees on average throughout the preceding calendar year? If yes, then the enterprise is an applicable large employer for the existing calendar year.

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Second, the organization is NOT an applicable huge employer if the organization employed less than 50 full-time staff on typical during the prior calendar year, or the organization employed more than 50 full-time employees no much more than 120 days in the course of the prior calendar year due to a seasonal workforce.

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Calculating Complete-Time and Portion-Time FTEs

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According to Zane Advantages site, for the purposes of determining regardless of whether a organization is an applicable massive employer, a business must contain all full-time workers plus the complete-time equivalent of portion-time personnel. A full-time employee is defined as functioning on typical at least 30 hours of service per week in a offered month.

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Subsequent, a organization aspects in component-time personnel. To calculate the full-time equivalent of component-time employees, add the number of hours worked by portion-time personnel in a provided month and divide the total by 120.

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Lastly, the sum of the full-time personnel and the complete-time equivalent of the element-time workers is the quantity used to establish regardless of whether the business is an applicable big employer. If the sum is 50 or more than, the business is an applicable massive employer.

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Click right here to study full report, and access FTE worksheets.

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About Zane Rewards&#13

Zane Benefits was founded in 2006 to provide a revolutionized SaaS (Computer software-as-a-Service) administration platform (“ZaneHRA”) for Health Reimbursement Arrangements (HRAs) and defined contribution wellness care. The flagship computer software gives a 100% paperless administration encounter to employers and insurance pros that want to offer far better overall health advantages with no a standard group wellness insurance coverage plan at reduced costs. For a lot more information about ZaneHRA, visit http://www.zanebenefits.com.

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Discover More Administrator Press Releases

Datadog Empowers Dev and Ops Teams in Seconds to See the IT Infrastructure Information that Matters

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New York, NY (PRWEB) June 11, 2013

Datadog, the SaaS-primarily based monitoring and information analytics platform that supplies a unified view of IT infrastructure, announced today new Screenboards that blend KPIs, events and metrics into a single display from fragmented servers, databases and other infrastructure components. These very configurable Screenboards can be constructed in seconds to allow dev and ops teams to develop tailored displays of information. Combining essential data onto 1 screen empowers IT teams to swiftly recognize troubles which could turn into efficiency troubles or release delays. Screenboards are offered by means of a free of charge trial of Datadog.

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MaxCDN, a content delivery network employed by more than 13,000 companies worldwide has deployed Screenboards and according to Kevin Meinert, VP of Operations, Datadogs Screenboards permit us to simply deploy insightful dashboards that let us take a snapshot of our infrastructure particular KPIs, in seconds. We previously had to create custom infrastructure dashboards that had to process huge amounts of information when we needed particular insight into our infrastructure. With our infrastructure information so readily available, we are now greater able to see early indicators of troubles on our servers prior to they happen, as effectively as a lot more very easily identifying trends within our network. All of this data permits us to catch trends that enable us to supply consistent uptime and overall performance for our consumers across our global network.

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Volumes of Efficiency Data Reside in Diverse and Fragmented Components

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Continuous monitoring of the IT infrastructure supporting an application is necessary to stay away from overall performance concerns and release delays. Nevertheless, numerous IT teams locate such monitoring difficult in todays infrastructure as the servers, and other diverse elements not only make thousands of information points every hour but also are stored in fragmented silos. With the new kinds of tools and infrastructure used in todays IT departments, which includes cloud providers such as Amazon Internet Services and SaaS applications like content delivery networks, every residing in a different location and collecting information in separate formats, it becomes difficult to acquire a holistic understanding of the infrastructure’s health.

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IT teams normally invest many hours and added spending budget to develop and preserve custom dashboards that combine these fragmented and diverse information sources to understand their applications overall performance. Without seeing all of these information in one place, system administrators, developers and IT managers threat becoming blindsided by issues that will effect their applications performance.

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As application delivery moves to the cloud, the complexity behind these applications continues to grow, says Bernd Harzog, The Virtualization Practice. Continual monitoring of all infrastructure elements is the only way to make certain that problems triggered by this complexity are caught ahead of they effect functionality and release timelines. Its typical for organizations to commit a considerable quantity of internal sources and budget to allow these monitoring capabilities.

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Datadogs Screenboards Blend Together Disparate IT Data

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Screenboards are built in an straightforward drag-and-drop manner that permits even initial-time customers to develop displays inside seconds. In the end, the universal access to IT information from across the infrastructure combined with ease of use enables organization and operational IT teams to inside seconds, construct dashboards that deliver the essential numbers at a glance.

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Screenboards are accessible as portion of Datadogs hosted monitoring resolution. Attributes consist of:

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Interos Launches International Threat Information Center for Supply Chain Analysis: Solution Offers Higher Visibility in Enterprise Supply Chain Dangers, Probabilities

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Washington, DC (PRWEB) June 06, 2013

Interos Options, Inc. (Interos) launched its Worldwide Threat Information Center (GTIC) nowadays, offering higher visibility of the possible dangers in an organizations supplier base. The GTIC is built on an Enterprise Governance, Threat Management and Compliance (eGRC) platform and provides visibility into the dangers and vulnerabilities of an organization by way of its network of suppliers. The tool enables each and every client to define danger priorities based a variety of concerns that might consist of cybersecurity, industrial security controls, program controls, as effectively as economic and ownership info. The GTICs solutions include supplier questionnaires, open-supply evaluation, supplier web site audits, as properly as requirements compliance verification among other individuals.

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“Supply chain danger management, such as cybersecurity, demands that we handle risk from the starting of the provide chain to the end of it, mentioned Jennifer Bisceglie, President of Interos. We need to have to take the time to realize who had been performing organization with, through the several layers of worldwide sourcing. The require for a higher level of awareness about the threat, and how each and every particular person in the acquisition cycle plays a role, can’t be stressed sufficient. Supplier relationships – and the risks they can introduce to a organization – are now in the forefront of every enterprise conducting company with international partners.

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The GTIC was created in response to the globalization of todays marketplace, which is driving technological advancements more quickly than nations are able to securely design and style, procure, and deploy options as a result exacerbating supply chain threat and cybersecurity vulnerabilities. Adversaries are exploiting vulnerabilities linked with outdated procedures and technologies, as effectively as non-integrated authorities and processes, to access, disrupt and damage everyday organizational operations, said Bisceglie.

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“Of the three principal attack vectors in cyber safety (remote/proximate, insider, and supply chain), the supply chain is the most daunting. A determined enemy can inject ‘trouble’ into the needs. design, manufacture, transit, installation, or upkeep phases, which makes it supremely hard to monitor and quit. A credible, efficient SCRM technique is completely vital. The GTIC notion is a large step forward. It is sensible, executable, and inside the grasp of most agencies with out huge technologies investments. The provide chain risk must be mitigated, and the GTIC appears to be the correct answer at this time, Dr. Steven P. Bucci, Former Deputy Assistant Secretary of Defense, and Cyber Consultant, FRDA, LLC and FTT LLC.

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For more info on the International Threat Details Center, please go to http://www.interos.net.

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About Interos Solutions

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Interos Solutions (Interos) is a provide chain threat management consulting firm located in McLean, Virginia, USA. Interos capabilities cover a broad range of technical solutions, like enterprise information technology solutions (IT), Cybersecurity and Supply Chain Danger Management (SCRM), network security, integrated logistics assistance (ILS) systems engineering, modeling &amp simulation and instruction/education. Interos assists its clientele in strategic planning and assessment services that produce measurable efficiency and price avoidance as well as guarantee safety, specifically in enterprise IT and provide chain infrastructure systems. Interos supports the supply chain threat management specifications for both public and private sector consumers such as Division of Power, Meals and Drug Administration, and World Wide Technology. For much more details, please visit http://www.interos.net.

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Housing Market place Momentum Up with HUD’s New Information about the Distressed Asset Stabilization System

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Minneapolis, Minnesota (PRWEB) July 24, 2012

According to a July 18th press release, HUD is supplying for sale by means of a competitive auction a portfolio of defaulted single-loved ones mortgage loans (the Mortgage Loans). Qualified true estate investors and buyers may possibly spot bids for a one hundred% ownership interest to acquire distressed properties. Sealed bid auctions will be held on or just before September 30, 2012 referred to as the Single Household Loan Sales for Fiscal Year 2012 (the Sales), to obtain the Mortgage Loans.

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The Distressed Asset Stabilization Plan is an expansion of an FHA disposition program that sells pools of defaulted mortgages in route for foreclosure. From Residence Destination’s experience selling numerous foreclosed residences to date, owner Jenna Thuening believes it will assist further the housing market’s growing momentum and can see it offering opportunities for both the purchaser and borrower to steer clear of the enormous cost of foreclosure.

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The housing industry has momentum not observed because before the crisis, said HUD Secretary Shaun Donovan. But some metro regions are still under pressure and some FHA borrowers stay seriously behind on their loans and stand to lose their residences in a matter of months. As a single step towards avoiding unnecessary foreclosures and further stabilizing communities, we are growing the quantity of loans beyond our original objectives of five,000 per quarter to around 9,000 this quarter.”

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Offering home loan borrowers the opportunity to potentially remain in their houses under a new sustainable mortgage is a win / win proposition. Mortgage Benefits contain:&#13

1) the homeowner&#13

two) the new mortgage holder&#13

3 reduces costs to FHA&#13

4) advantages the surrounding neighborhood

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The mortgage holder will have the responsibility to pursue other possibilities such as leasing the property to the homeowner or a modification. A servicer will be able to location a loan into the loan pool for sale if:&#13

1) the borrower is at least six months delinquent&#13

2) all loss mitigation options have been exhausted&#13

three) a foreclosure proceeding has not stated&#13

four) the mortgage borrower is not in bankruptcy

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Additionally the FHA announced new neighborhood stabilization needs for the challenging-hit metros selected for a nice slice of the funds- where 3,500 loans are to be sold. In Chicago, Newark, Phoenix, and Tampa, to hold a balance, no a lot more than 50 percent of loans bought within a pool can be sold as actual estate owned (REO) properties.

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‘Qualified bidders” means somebody authorized with a net worth in excess of $ 5,000,000 determined in accordance with the Typically Accepted Accounting Principles (GAAP). It appears that the bidders will need to declare themselves as either (like, but not restricted to) a corporation, partnership, limited liability company, organization trust, savings and loan association, insurance coverage firm, investment firm, bank or company entity.

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Investors who personal these loans should delay foreclosure proceedings for at least six months, so the mortgage’s new servicer can attempt to discover an option to foreclosure. HUD’S site says, “Entities interested in submitting Bidder Qualifications for the Distressed Asset Stabilization System pools ought to comprehensive the Confidentiality Agreement and the Distressed Asset Stabilization Program Qualification Statement”. Submit completed documents by e-mailed to SFLS2012-3(at)debtx(dot)com.

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Acting FHA Commissioner Carol Galante concluded, FHA not only avoids the expenses related with a long foreclosure process, but also the higher costs of sustaining and promoting vacant properties in already distressed markets.” That is great result in for the FHA-insured notes to be sold to investors at a price beneath the outstanding principal balance.

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The September 30th deadline will come about swiftly. Contact Jenna Thuening, owner of Home Location at 612-396-7832 for help purchasing distressed properties.

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