CoreLogic - Marshfield Real Estate

05/30/2012 By: Esther Cho, DSNews.com

In April, the number of completed foreclosures was 66,000, down 15 percent compared to the same month a year ago when there were 78,000 completed foreclosures, according to CoreLogic. Month-over-month, the number of completed foreclosures remained unchanged.

Since September 2008, there have been 3.6 million completed foreclosures.

The number of homes in foreclosure inventory as of April 2012 shrank slightly from 1.5 million homes a year ago to 1.4 million, which accounts for about 3.4 percent of all homes with a mortgage. The number stayed unchanged from the month before in March.

?There were more than 830,000 completed foreclosures over the past year or, in other words, one completed foreclosure for every 622 mortgaged homes,? said Mark Fleming, chief economist for CoreLogic.

When breaking down the data based on judicial and non-judicial states, Fleming noted that non-judicial states such as Nevada, Arizona, and California completed two and a half times as many foreclosures over the past year as judicial foreclosure states.

Among the five states with the highest number of completed foreclosures ? California (142,622), Florida (92,137), Michigan (60,198), Texas (57,536), and Georgia (56,894) ? only Florida is a judicial state. These states alone account for 48.8 percent of all completed foreclosures nationally.

While non-judicial states completed more foreclosures, judicial states had high levels of foreclosure inventory.

The five states with the highest foreclosure inventory as a percentage of all homes with a mortgage were Florida (12 percent), New Jersey (6.7 percent), Illinois (5.3 percent), Nevada (5 percent) and New York (5 percent). With the exception of Nevada, all states are judicial.

On a more microscopic level, Core Based Statistical Areas (CBSAs) with the highest number of completed foreclosures were Phoenix (39,779); Atlanta (39,318); Riverside, California (28,315); Los Angeles (23,562); and Houston (16,904).

In the New York metro where foreclosure timelines tend to be longer compared to other states, there were 1096 mortgages per completed foreclosure. The number of mortgages per completed foreclosure is calculated by dividing the number of homes with a mortgage in each area by the sum of completed foreclosures for the prior 12 months. In Phoenix, there were only 18 mortgages per completed foreclosure.

CoreLogic is a provider of consumer, financial and property information, analytics and services for the public and private sectors.
Follow Len and Leslie Marma of Success! Real Estate on their facebook business page, ?Marshfield Matters? ?? click LIKE to receive real estate info and what?s happening in Marshfield.?

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Myth of the disconnected telecommuter debunked

ScienceDaily (May 29, 2012) ? The assumption that employees who regularly telecommute will feel less attached to the organization they work for due to feeling isolated and disconnected is a myth, according to a study led by a communication researcher at the University of Wisconsin-Milwaukee (UWM).

The study examined how teleworkers' use of various forms of communication was related to their feelings of closeness to others as well as to feelings of stress from interruptions. The study also tested how these outcomes of communication were associated with teleworkers' sense of identity as part of their organization.

Findings indicated that more communication does not equal more organizational identification for teleworkers. In fact, the opposite was true, says Kathryn Fonner, UWM assistant professor of communication.

"It is often assumed that teleworkers need a lot of communication and contact with the organization in order to diminish their sense of distance and to develop a sense of belonging," says Fonner. "But we found that the more teleworkers communicated with others, the more stressed they felt due to interruptions, and this was negatively associated with their identification with the organization."

The study, co-authored with Michael Roloff, professor of communication studies at Northwestern University, appears in the June issue of Communication Monographs, published by the National Communication Association.

Although feeling a sense of closeness with others during workplace interactions was associated with positive organizational identification, the study found that the negative relationship between stress from interruptions and organizational identification was stronger.

One possible reason, says Fonner, is that teleworkers consider fewer interruptions as being one of the perks of their remote work arrangement. "When teleworkers feel they are constantly interrupted, this may decrease the value of organizational membership for them, and diminish their attachment to the organization," she says.

The study evaluated differences between teleworkers and office workers. Teleworkers regularly worked at least three days a week from a location other than the office, and office workers worked at least three days a week in an office or shared workspace alongside their colleagues. Each set of employees used various modes of communication, including face-to-face, phone or email contact, instant messaging and videoconferencing.

Other outcomes of the study:

? The benefits of frequent communication with others were minimal and not significantly related to teleworkers' or office workers' sense of closeness with others in workplace interactions, regardless of the communication mode used.

? Office workers reported significantly greater levels of stress due to interruptions compared to teleworkers, but their organizational identification was not affected by this stress.

? For teleworkers, stress from interruptions was associated with increased face-to-face communication, email, instant messaging and videoconferencing. For office workers, stress was only related to increased face-to-face and email communication. Results indicate, however, that phone communication generally did not induce the same degree of stress as the other modes.

Fonner says the study findings emphasize a need to address the stress and time pressure associated with the constant barrage of workplace communication for everyone.

"Teleworkers should strategically manage their connectivity in order to balance the benefits and drawbacks of communicating with others," says Fonner, "while organizations should focus on streamlining communication. This may include limiting mass emails, diminishing the number of weekly meetings, creating information stores and fostering an environment where employees can schedule uninterrupted time to work."

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Story Source:

The above story is reprinted from materials provided by University of Wisconsin-Milwaukee, via Newswise.

Note: Materials may be edited for content and length. For further information, please contact the source cited above.

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Journal Reference:

1. Kathryn L. Fonner, Michael E. Roloff. Testing the Connectivity Paradox: Linking Teleworkers' Communication Media Use to Social Presence, Stress from Interruptions, and Organizational Identification. Communication Monographs, 2012; 79 (2): 205 DOI: 10.1080/03637751.2012.673000

Note: If no author is given, the source is cited instead.

Disclaimer: This article is not intended to provide medical advice, diagnosis or treatment. Views expressed here do not necessarily reflect those of ScienceDaily or its staff.

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Things Are Finally Looking Up for Fisker Automotive

Since Fisker Automotive rolled the Karma, a four-door luxury plug-in hybrid sedan with a price tag of $103,000, off of the production line in December, the California-based company has been plagued with problems. At the end of December, Fisker issued a recall because of a battery pack coolant leak that could have caused the Karma to short-circuit. A few weeks later, Fisker issued another recall for the sedan because of a software problem. A few months later, in February, Fisker announced that it is renegotiating some terms of the Department of Energy (DOE) agreement for the $336 million balance on its $529 million loan. A month later, the Karma died during a Consumer Reports test. Later in March, Fisker announced that it will replace the batteries in the Karma after the manufacturer A123 admitted there is a glitch.

Things are finally looking up for Fisker and its luxury sedan. Fisker recently announced that during the first four months of the year, it made over $100 million. The company also delivered 1,000 Karmas to in the U.S. and Europe since December. Business Green reports that Fisker hopes to sell 4,000 by the end of the year.

In The Netherlands the Karma ranked second in sales volume among four-door luxury sedans from January to April. In the beginning of May, Fisker announced that it had surpassed BMW, Mercedes and Audi to become the second-highest selling brand for high-end four-door models in the first quarter of this year. Since the Karma?s launch in December, it out-sold the BMW 7-series, Mercedes S-class and Audi A8 in The Netherlands from January to April. This is ?thought to be the first time that an ultra-low emission hybrid car has outsold combustion engine rivals,? the company said in a statement.

Given its success in The Netherlands, Fisker plans to expand into the Middle East, and signed a deal with a distributer that will sell the Karma in the UAE, Saudi Arabia, Qatar, Oman, Bahrain and Egypt.

Fisker raised $174 million worth of private financing this year, which brings it total financing since its founding in 2007 to $1 billion. ?We are encouraged by solid demand for the Karma, our unique extended-range luxury model,? Fisker CEO Tom LaSorda said. ?Pending completion of investment sourcing, we are poised to press ahead with further market expansion and development of our higher volume model, the Fisker Atlantic.?

There is more good news. Fisker received two awards for the Karma: A first prize in the International Design Awards (IDA) competition and a silver trophy for innovation at the Edison Awards.

Photo: Flickr User, Fisker Auto

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'CPAP Machine Changed My Life'

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Romney welcomes mass expulsion of Syrian diplomats (The Arizona Republic)

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Eerste indruk: Samsung Galaxy S III

Eerste indruk: Samsung Galaxy S III
Na ruim een half jaar van geruchten en ?zogenaamd? uitgelekte afbeeldingen is hij er dan eindelijk, de Samsung Galaxy S III. In deze eerste indruk geven we je alvast onze eerste ervaringen met het nieuwe Koreaanse vlaggenschip.
De Galaxy S III heeft een moeilijke taak, hij moet namelijk de meest succesvolle smartphone ooit van Samsung opvolgen, de S II. Toen dit toestel op de markt kwam gaf hij alle Android-concurrenten het nakijken. De gebruikte processor was veel sneller en ook het scherm ...

Read the full article on?WINMAG Pro??

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Elvis Presley crypt up for auction this month

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Why Making An Investment In A Gold Retirement Plan Is The Better ...

At present, it is necessary to find the best asset options but a lot still do not think pertaining to a lot of the most basic stuff like the relevance in the sector and the options to check out. In regards to retirement plan, what is a good alternative to have? Must savings be utilized for retirement plan as well? Is gold also well worth trying out? Immediately after this, is gold bullion the most appropriate? Does a smaller sum of dollars help investing in precious metals? As well as will enormous amounts be needed within the actual gold retirement plan?

There is also this problem whether or not investing in retirement gold is best for all people. Might anybody honestly manage to be able to get precious metals? Is that gonna be the preferred investing selection an individual may decide upon? And then, would it be also worth thinking of trying out gold?

These are typically likely to be critical thinking about these days considering that investments money for hard times is usually confusing.

It would come to be a good idea to think about making an investment in gold within the Individual Retirement Account given that it can actually help out almost all individuals to safeguard their selves and their funds versus things such as large income tax in the coming years or the rising cost of living ? these types of are necessary to bear in mind. Looking at getting rare metals may be so important given that they can be a enormous investment which compensates in a lot of years to come; the prices intended for rare metals could quite possibly double, triple or quadruple over the next few decades. This can be on the list of rarest valuables in the globe right now and it is a rare metal yet it is also a good investment coverage for retirement. It?s considered incredibly precious and might enable you to guard your foreseeable future.

Most people now will not likely actually think about employing gold like a retirement life policy for the longer term, nevertheless, it will likely be one of the primary and greatest solutions that everybody can think of currently because it truly is really a viable asset selection. Try to remember, retiring will be the possible future and everybody will have to think of how to generate much better selections for these people to have some thing to be able to select from, and using retirement gold, perhaps it is one of the biggest solutions everyone is able to consider right now. It will help to experience a more suitable guaranteed foreseeable future as it protects.

The prices pertaining to rare metals will vary now and again, sometimes, this gold will probably be worthy of some bucks then some other times it will likely be worthwhile ten times just as much as that which was paid for it. Once the expenditure is great to acquire precious metals, will probably be much better to take a look at this investment choice, however it is the same in terms of selling the gold in the future because selling prices can vary and quite often, prices will be better compared to other instances. Nonetheless, something is essential to be familiar with, precious metal is actually a deserving investing option for the future specifically retirement, at times, it could pay off to ensure someone could take earlier retirement. It all depends nonetheless it can be feasible hence check out checking out gold retirement.

You need to visit http://retirementgold.org/ if you need a lot more suggestions.

Tags: advice, business, Education, Finance, gold, investing, investments, retirement, retirement gold

By Beth Emington in Education on May 28, 2012

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A Gay Twitter Conversation

I wrote a post a while back about loving LGBT people.

Recently I Tweeted about the post and ended up having an interesting conversation on Twitter about it.

Here is the conversation:

And that was the end of the conversation.

How do you handle conversations like these? What did I say that I should not have said? What did I not say that I should have said? Where was I wrong? Where was I right?

If you leave a comment below, make sure you hit the little ?Twitter? bird in the Disqus comment field so that your comment gets Tweeted (might as well do FB also). Hopefully we can get more people weighing in on the conversation this way (If you don?t see either button, you need to connect your Disqus account with your Twitter and Facebook account on the Disqus website by editing your profile and selecting ?Services?)

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Military expert says Azerbaijan has unsettled conflicts with neighbors

Azerbaijan shares unsettled conflicts with all its neighbors, military expert Artsrun Hovhannisyan said today in a news conference adding that due to the powerful states they remain frozen.

?Each of the conflicts has a war risk. Although potential war with Russia is little possible, military operations with Georgia, Turkmenistan and Iran are on high risk,? said Artsrun Hovhannisyan.

The expert said Azerbaijan has created such atmosphere himself which is evident that it is an artificial state with serious interior and foreign problems, said the expert.

In case you have found a mistake in the text, please send a message to the editor by selecting the mistake and pressing Ctrl-Enter.

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Good News Kodak, This Little Black Dress Has Found a New Use For Film [Fashion]

When the lights are off, Emily Steel's Little Slide Dress just looks like your standard black cocktail dress. But it's hiding a secret that's revealed when she turns on its embedded array of LEDs. More »

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Top 10 Things I Learned From Failed Relationships ? Love Dove Tarot

1. That soulmate relationships are never easy but that they come with more learning than most PhD?s.
2. To not expect someone else to be responsible for my happiness.
3. To equate expectations with ?cancer of the relationship.? The notion that your partner owes you is ?terminal cancer of the relationship.?
4. To approach all my relationships with a sense of wonder and gratitude.
5. To never take my beloved for granted. I don?t own him any more than I own Jude Law or Clive Owen (unfortunately) PS. Jude, please email me if you?re reading this
6. To only ever expect to be responsible for my own stuff and that the golden rule applies even to married life (shocking, I know!)
7.?To treat my partner like my best friend and not like someone I own.
8. Exactly how important acceptance is.
9. That I?m always free to walk away.
10. To not be a relationship fucktard*

*relationship fucktard ? definition: ?someone who holds the person they claim to love hostage for their happiness due to a delusional state of mind induced by watching too many Hollywood films

Order a Tarot reading via Email with Lisa today!

Check out my personal blog over at www.seerpathways.com

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Hi, my name is Lisa Frideborg Lloyd... Writer, tarotist, healer... or, in one word: Dot-Connector :) My personal online journal is on www.seerpathways.com. You'll find all you ever wanted to know about love & romance in the cards on www.lovedovetarot.com and on www.tartotize.com I share my knowledge and experience from many years of working with the Tarot holistically. I love to hear from my readers, so please comment if anything has made you giggle or pause to think. Love & Blessings, Lisa PS. Come find me on Twitter: LisaFLloyd

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Hawaii teachers union approves union contract

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Digital PR: Finding Brand Ambassadors | Business 2 Community

In the last post 10 Tips to Increase Earned Media the first tip was to find and partner with brand ambassadors.

A recent report from SODA ? the Society for Digital Agencies ? clearly shows that earned media is king. So what, or who, are we looking for to increase this earned media? What exactly is a brand ambassador?

You need to find people or groups who already love and support your brand and would be delighted to forward your message. If you are very fortunate they could be celebrities. Breitling watches have a long list of celebs who wear their watches, including James Bond!

But in most cases a brand ambassador is likely to be someone with a decent following online, either on their blog, Facebook, Twitter or other social news sites like Digg , Reddit or StumbleUpon.

Do a social audit and locate everyone who speaks positively about your brand. Rank them according to how often they mention you and how positive their mentions are. Do they really love your brand?

The next step is to use ranking and influence tools. You can start with Peer Index and Klout. They both give an influence score based on a number of factors. If you are serious about this activity, try eCairn Conversation, which is excellent at ranking influencers and assisting you with outreach to your fans.

Once you find them, offer them exclusivity. Give them access to content no one else has. Treat them like brand ambassadors.

Mashable reports that Walmart goes the extra mile for the influential mommy bloggers they have identified: not only do they give their Walmart Moms exclusive products and experiences they also host a blog and YouTube channel for them.

Similarly, Oracle has a program called Oracle ACE that spotlights various IT pros as Oracle experts. SAP?s equivalent is the SAP Mentor Initiative, which recognizes SAP experts and gives them a forum (an SAP site plus a YouTube channel.)

Fiskars, the Finnish scissors brand, created a site for crafters with a select crew of Fiskateers, their name for their brand ambassadors who blog about their product.

The ambassador doesn?t have to have millions of fans or followers. Rather they need to be passionate about your industry or subject and be a fan of your brand. FLOR, the carpet tile company, discovered a mommy blogger who writes about DIY design who has only 50,000 readers on her blog. But she is so influential to these readers that every time she posted about their products they got a flood of interested visitors to their website.

Influence is a relative term. Not every influencer will be right for your brand. Justin Bieber and Oprah have millions of followers and fans. But are they also your fans? And if they are, are their followers your target audience?

Once you find the right fans who have an audience you want to reach, work hard to build long-term relationships with them. Provide them with valuable and interesting content that will help them provide value to their readers, fans and followers.

That?s what gets you the earned media.

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Identity Theft - The Basics - Fraudwatchers

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WHERE IT BEGINS Identity theft has one basic component that has to be satisfied before the crime can take place - procurement of the potential victim's personal data. How can that data be obtained? Easily: Dumpster Diving - someone sifts through the trash you threw out in search of bank account statements, credit card receipts, personal correspondence, checks, pre-screened credit card offers, etc. Criminal Theft - your purse, containing credit cards, Social Security Card, a check book and other items carrying personal data is stolen. Third Party Security Breach - a government laptop goes missing; a bill payer system gets hacked; a scorned employee releases personal data of customers, etc. Computer Security Breach - a trojan horse is installed (either locally or remotely) on your personal or work computer; you click on a link that leads you to a website that only appears to be the one of the bank you do business at, where you input your username and password as well as other data. Social Engineering - you provide your personal data over the phone to a person who claims to be calling from your bank's fraud department; you are offered a vacation prize or a chance to purchase a cheap time share in exchange for your personal data; you receive a call advising you that your loved one is in a hospital and their data is needed to proceed with treatment. Business Fraud - a waiter copies information from your credit card while you're waiting for the receipt; a store employee takes down information from the personal check you just paid with. Advance Fee Fraud - you provide personal information and copies of identifying documents to someone who is pretending to have engaged in a business relationship with you, someone who told you that you are a beneficiary of a will, someone who claims to be representing a lottery, or maybe someone whom you're dating online. Online Presence - you post your personal information such as full name, address and\or phone number on your blog, social networking profile or website. HOW IT PROGRESSES Once the thief is in possession of your personal information, the game is on. Here's a few things an identity thief can do with your personal data: Take over your existing credit cards and other financial accounts. Open new credit card accounts. Open instant store credit accounts. Use your government issued ID to identify themselves. Have a forged (your data, their picture) ID made and use that for identification. Sell your data to someone else. Redirect your mail to an address of their choice. WHAT ARE THE CONSEQUENCES Let's examine the consequences of having had your identity assumed by someone else: Financial losses - The thief making away with your money and credit is just the beginning of financial losses. The costs of registered mail letters, stamps and long distance phone calls quickly start adding up. Some victims find themselves in need of securing legal counsel - fees for that can quickly go into thousands of dollars. Many victims, busy with clearing their name, are forced to take unpaid leave from work to deal with the situation. Emotional distress - ID Theft is an emotionally impactive crime. Many victims report that they feel as if their whole existence has been taken away from them. Criminal Law issues - Criminal ID Theft occurrs when the person who assumed your identity uses it when dealing with Law Enforcement. If the thief is arrested on an unrelated charge and provides your identity instead of theirs, the charge will in effect end up on your record. It is difficult (and sometimes impossible) to get the record of criminal charges straightened out - as a result, some victims of ID Theft live in a constant fear of being arrested for a crime they did not commit, but which is still present on their record. Time investment - Clearing your name is extraordinarily time consuming. It requires tight recordkeeping, as well as large amounts of letters to document your case and identify fraudulent records. Many victims of ID Theft report that trying to clear their name has become a full time job to them. Civil Law issues - You may find yourself a respondent in a debt collection lawsuit for a debt that the thief incurred but which is still linked to your name. Debt collection issues - You may face debt collections calls and letters. Some unscrupulous debt collectors will contact you even though they are fully aware that you are a victim of ID Theft. Identity Theft is a crime de jour. Make sure you are aware of how it can start, how it goes on and where it ends.

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What's the ROI of Your Personal Finance Strategy?

I thought I had the world figured out when I moved to New York. ?The apartment I rented had bathroom tiles imported from Spain that made it feel like I was showering in a tropical grotto. ?While the yearly rent was 1/4 of my yearly pre-tax salary, I wanted to and felt like I was living the dream.

At the end of the first few months, I would end up with less than $50 dollars in my bank account. ?Reality woke me up when I almost had to borrow some money from a friend to make ends meet one month. ?So much for having the world figured out! ?My ?living the dream? was fast becoming a ?nightmare.? ?Out of necessity, I started to focus on my personal finances.

Two years later I had cut my rent to 6% of my pre-tax salary and my new apartment building had a gym, a door-man and was 1 block away from the subway station. ?My bank account balance never got down to $50 dollars at the end of the month again. ?Now, I was much closer to living the dream!

As leaders in early stage businesses, we constantly have to evaluate the return on investment (ROI) of our decisions. ?Do we invest in online vs offline advertising, do we invest in branding vs technology, do we invest for the short term or long term, etc. ?Every decision we make for our business is scrutinized as pros and cons are weighed. ?Why then, do we find it so difficult to translate that thinking to our own personal financial lives?

The ROI of my personal spending decisions was killing me. ?Once reality hit, I started treating my personal finance decisions like business decisions. This involved scrutinizing my spending habits like they were investment projects ? what was the expected financial and happiness return for the spend. ?Slowly but surely, I dug myself out of the hole and returned to financial stability.

The first step was focusing on compounding returns.

A healthy portion of my discretionary spend was based around after-work drinks which I had convinced myself were good from a networking point of view. ?Doing some quick math one night I realized that it was more like a one time project that only yielded the pain and suffering of a hang-over the next morning. ?In fact, most of the networking occurred during the first hour if at all ? after that things went down hill. ?So I found discretionary spending projects that had compounding returns ? like cooking classes, which continue to pay off every single night. ?This way less money was spent while yielding greater returns over the long haul.

The second step was focusing on auxiliary costs.

I had a good idea of how much I was spending on activities, but not how much I was spending on the supporting activities. ?For example ? A trip to the driving range cost $30 dollars, which was easy to slot away in my head as not overly expensive. ?However, as I slowly focused on the auxiliary costs, I realized that I was spending money on lots of other things while I was there ? renting a few golf clubs, buying an extra buckets of balls, enjoying some lunch, as well as spending the next week fantasizing about playing a great deal more golf. ?All of a sudden, it wasn?t just $30 that were spent at the driving range, it was closer to $100. ?Yikes ? I was severely undervaluing the cost of that one activity. ?Sadly, it was the same with a great deal of other activities. ?Taking into account the total cost really made a difference.

The third step was focusing on the time horizon from investment.

Slowly I realized that it was important to focus on how much time the pleasure could be enjoyed. ?While I loved spending $5 dollars at Starbucks on a Friday treat, the joy only lasted about 30 minutes. ?However, I could get the same amount of enjoyment from buying a $5 dollar e-book from Amazon and spend a full week reading it. ?Now instead of a having a Friday treat, I had a weekly treat!

Focusing on these three steps definitely helped me focus on the ROI of my personal finances as well as bringing more stability to my life. ?My advice would be, start by focusing on one aspect of your spending and go for the small wins. ?Slowly but surely, just like interest rates, the benefits will accrue naturally.

Sebastian Gutierrez is the co-founder and CTO of LetsWombat.com. ?Outside of his day job of connecting brands with event audiences, he loves to explore NYC food spots, art galleries, and help fellow entrepreneurs succeed. ?Follow him on Twitter here.

Tags: personal finance, roi, Sebastian Gutierrez, strategy

Category: Personal Finance

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