WorldWideScience

Sample records for federal agricultural mortgage

  1. 12 CFR 615.5570 - Book-entry procedures for Federal Agricultural Mortgage Corporation Securities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Book-entry procedures for Federal Agricultural Mortgage Corporation Securities. 615.5570 Section 615.5570 Banks and Banking FARM CREDIT ADMINISTRATION... Federal Agricultural Mortgage Corporation Securities § 615.5570 Book-entry procedures for...

  2. 78 FR 2879 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investment...

    Science.gov (United States)

    2013-01-15

    ..., 2012 (77 FR 66375) is effective December 31, 2012. FOR FURTHER INFORMATION CONTACT: Joseph T. Connor... 3052-AC56 Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac...

  3. 78 FR 26711 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Liquidity...

    Science.gov (United States)

    2013-05-08

    ...; Farmer Mac Liquidity Management ACTION: Proposed rule; reopening of comment period. SUMMARY: The Farm... amend its liquidity management regulations for the Federal Agricultural Mortgage Corporation (Farmer Mac... liquidity by addressing four definitions in Sec. 652.5,\\3\\ liquidity management in Sec. 652.35, and the...

  4. VALUING AGRICULTURAL MORTGAGE-BACKED SECURITIES

    OpenAIRE

    Stokes, Jeffrey R.; Brinch, Brian M.

    2001-01-01

    A model to value Federal Agricultural Mortgage Corporation (Farmer Mac) agricultural mortgage-backed securities (AMBS) is developed and numerically solved. The results suggest prepayment penalties currently being used by Farmer Mac reduce yields on AMBS considerably. Even with prepayment penalties, it can be advantageous for profit maximizing mortgagors to optimally prepay or even default on agricultural mortgages. The model is used to quantify prepayment and default risk by valuing the embed...

  5. 78 FR 5320 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Capital Planning

    Science.gov (United States)

    2013-01-25

    ... fundamental resource available to cover unexpected losses and ensure long-term financial flexibility and... cooperatives. III. Need for Enhanced Capital Planning The fundamental purpose of bank capital is to provide a... Currency (OCC)) and the Federal Housing Finance Agency (FHFA) have issued proposed, and in some cases...

  6. 24 CFR 203.43e - Eligibility of mortgages covering houses in federally impacted areas.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Eligibility of mortgages covering houses in federally impacted areas. 203.43e Section 203.43e Housing and Urban Development Regulations... Requirements and Underwriting Procedures Eligible Properties § 203.43e Eligibility of mortgages covering...

  7. 77 FR 72920 - Federal Housing Administration (FHA) Section 232 Healthcare Mortgage Insurance Program: Partial...

    Science.gov (United States)

    2012-12-07

    ... programs--health, Loan programs--housing and community development, Mortgage insurance, Nursing homes... URBAN DEVELOPMENT 24 CFR Part 232 RIN-2502-AJ04 Federal Housing Administration (FHA) Section 232 Healthcare Mortgage Insurance Program: Partial Payment of Claims AGENCY: Office of the Assistant...

  8. 76 FR 79050 - Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments

    Science.gov (United States)

    2011-12-21

    ... AGENCY 12 CFR Part 1281 RIN 2590-AA48 Federal Home Loan Bank Housing Goals: Mortgage Reporting Amendments... Federal Home Loan Banks (Banks) to make those requirements consistent with other data reporting... Economic Recovery Act of 2008 (HERA) amended the Federal Home Loan Bank Act (Bank Act) by adding a...

  9. 76 FR 23459 - Federal Agricultural Mortgage Corporation Governance and Federal Agricultural Mortgage...

    Science.gov (United States)

    2011-04-27

    ... Farmer Mac's statutory authority to finance rural utility loans and to revise the treatment of certain... corporate bond default and recovery rates. DATES: Effective date: This regulation will be effective 30 days... solely on historical corporate bond default and recovery rates, and ``stressed GOA'' factors to refer...

  10. 12 CFR 614.4110 - Transfer of direct lending authority to Federal land bank associations and agricultural credit...

    Science.gov (United States)

    2010-01-01

    ... Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Bank/Association... agricultural real estate mortgage loans by a Farm Credit Bank or agricultural credit bank to a Federal land... estate loans by a Farm Credit Bank or agricultural credit bank to an agricultural credit...

  11. FEATURES OF PRICING OF THE MORTGAGE MARKET IN THE RUSSIAN FEDERATION AND THE REPUBLIC OF MOLDOVA (Part 1

    Directory of Open Access Journals (Sweden)

    Tatiana KASYANENKO

    2016-07-01

    Full Text Available The relevance of the study is determined by the importance of the market of mortgage loans as the main instrument of social policy. The aim of the article is to identify the relationship between the volume of mortgage loans and the value of residential real estate on both the primary and secondary markets. The article consists of two parts. The main objective of the first part of this article is to clarify the concepts and features of mortgage loans, and identification of peculiarities of mortgage loans in the Russian Federation and the Republic of Moldova. The methodological basis of the work is made up of methods of analysis and synthesis, the combination of logical and historical approaches, methods of economic comparison and statistical analysis. The result of the study of the first part of the article is to identify the stages of development of mortgage loans in the Russian Federation, an analysis of prices in the primary and secondary markets of residential property on the basis of aggregate statistical indicators that reflect the status and characteristics of the housing market. The Russian experience is correlated with the peculiarities of the development of the mortgage market in the Republic of Moldova.

  12. Congressional District Schools: Forerunner of Federally Supported Vocational Agriculture.

    Science.gov (United States)

    Hillison, John

    1989-01-01

    Before the Smith-Hughes Act, Congressional district agricultural schools in Alabama, Georgia, and Virginia provided an early example of federal support for vocational agriculture. Although agricultural instruction was included, these schools were in reality comprehensive high schools that set precedents for subsequent agricultural curricula. (SK)

  13. 77 FR 40310 - Federal Housing Administration (FHA) Section 232 Healthcare Mortgage Insurance Program: Partial...

    Science.gov (United States)

    2012-07-09

    .... Environmental Impact A Finding of No Significant Impact with respect to the environment has been made, in... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT 24 CFR Part 232 RIN-2502-AJ04 Federal Housing Administration (FHA) Section...

  14. 76 FR 53851 - Federal Housing Administration (FHA): Suspension of Section 238(c) Single-Family Mortgage...

    Science.gov (United States)

    2011-08-30

    ... the meaning of UMRA. Environmental Impact This proposed rule does not direct, provide for assistance... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT 24 CFR Part 203 RIN 2502-AJ01 Federal Housing Administration (FHA): Suspension...

  15. 75 FR 29877 - Affordable Housing Program Amendments: Federal Home Loan Bank Mortgage Refinancing Authority

    Science.gov (United States)

    2010-05-28

    ... purchase assistance is also consistent with HERA's establishment of Federal funding for the Neighborhood... loan (e.g., subprime or nontraditional), and reasons for delinquency.\\2\\ The requirements and...

  16. 76 FR 5292 - Alternatives to Use of Credit Ratings in Regulations Governing the Federal National Mortgage...

    Science.gov (United States)

    2011-01-31

    ............ Omnibus Trade Act of 2010 Dec. 29, 2010........ 3611 111-345......... Restore Online Shoppers' Confidence... From the Federal Register Online via the Government Publishing Office ] Vol. 76 Monday, No. 20... future cumulative lists (1993-2009) are and will be available online at...

  17. Comparative Analysis Of Agricultural News Covered By Federal ...

    African Journals Online (AJOL)

    Comparative Analysis Of Agricultural News Covered By Federal, Stated Owned And Privately Owned Nigerian Newspapers. ... Article Metrics. Metrics Loading ... Metrics powered by PLOS ALM · http://dx.doi.org/10.4314/joten.v10i1.35723.

  18. 78 FR 65541 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Liquidity...

    Science.gov (United States)

    2013-11-01

    ...\\ We proposed new liquidity rules for FCS banks in 2011. See 76 FR 80817 (Dec. 27, 2011). We adopted the final liquidity rule for these banks earlier this year. See 78 FR 23438 (Apr. 18, 2013). \\11\\ See... management and liquidity at FCS banks and associations.\\16\\ According to the commenter, most of the...

  19. 76 FR 35138 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Risk-Based...

    Science.gov (United States)

    2011-06-16

    ... derivatives transactions by considering both net replacement cost as well as current exposure to individual... the strengths and weaknesses of such an approach? 3. Is it important that FCA's approach to replacing... structured assets. The adjustment is made to recognize the risk- reducing strength of the...

  20. 77 FR 66375 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investment...

    Science.gov (United States)

    2012-11-05

    ... prudent diversification of its investment portfolio and that its asset allocations and investment... in place to manage its non-program investment portfolio safely and soundly with appropriate... stress-testing requirements; Modify the non-program investment portfolio limit; Reduce the regulatory...

  1. 76 FR 71797 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investments and...

    Science.gov (United States)

    2011-11-18

    ... diversification requirements, including portfolio limits on specific types of investments and counterparty... diversification of the portfolio?'' We also invited comment on appropriate changes within each asset class... portfolio limit; Revise the computation, and level of the minimum, liquidity reserve requirement; Reduce the...

  2. 75 FR 3647 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Risk-Based Capital...

    Science.gov (United States)

    2010-01-22

    ...; Risk-Based Capital Requirements AGENCY: Farm Credit Administration. ACTION: Proposed rule. SUMMARY: The Farm Credit Administration (FCA, Agency, us, or we) proposes to amend our regulations on the Risk-Based... cooperatives as program business. The 2008 Farm Bill further directed FCA to estimate the credit risk on...

  3. 75 FR 27951 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Investments and...

    Science.gov (United States)

    2010-05-19

    .... 2279aa-2279cc et seq.) \\2\\ See section 8.13 of the Act. A fundamental premise of finance is the natural... changes to the regulations to enhance their fundamental objective: to ensure the safety and soundness and... purpose embedded in its corporate mission that arises from having been created by an act of Congress. The...

  4. 78 FR 65145 - Federal Agricultural Mortgage Corporation Funding and Fiscal Affairs; Farmer Mac Capital Planning

    Science.gov (United States)

    2013-10-31

    ... economic cycles. The recent global financial crisis underscored the importance of capital adequacy planning... best practices in economic capital modeling, which has advanced considerably since the provisions were... planning horizon. We believe that excessive program asset growth, or the ``accumulation of risks,''...

  5. 78 FR 59890 - Qualified Mortgage Definition for HUD Insured and Guaranteed Single Family Mortgages

    Science.gov (United States)

    2013-09-30

    ... Federal Reserve Board and is now the Consumer Financial Protection Bureau (CFPB), to issue a rule... mortgage is a ``qualified mortgage,'' and authorizes, initially, the Federal Reserve Board and, ultimately... the CFPB relating to ratios of total monthly debt to total monthly income; (vii) the total points...

  6. 77 FR 39222 - Consumer Use of Reverse Mortgages

    Science.gov (United States)

    2012-07-02

    ... From the Federal Register Online via the Government Publishing Office BUREAU OF CONSUMER FINANCIAL... reverse mortgages and consumer experiences during the reverse mortgage shopping process. This information... reverse mortgages and the shopping process. The questions are grouped into four broad topics: (a) Factors...

  7. Second Mortgages

    DEFF Research Database (Denmark)

    Miltersen, Kristian R.; Torous, Walter N.

    Many homeowners cash-out refinanced in concert to extract equity from their properties during the run-up in U.S. house prices. We demonstrate that the risk characteristics of first-lien mortgages are systematically altered when second mortgages are behind them. Cash-out refinancing also effectively....... When a collateralized debt obligation (CDO) structured under the assumption that homeowners cannot cash-out refinance is subsequently confronted by data generated by homeowners with \\secret" seconds, the CDO's resultant performance is broadly consistent with the magnitude of CDO downgrades observed...... after the bursting of the U.S. housing bubble. By contrast, our results are not consistent with the argument that the observed downgrades occurred because the severity of the U.S. housing market downturn was underestimated by credit rating agencies....

  8. Terminated Multifamily Mortgages Database

    Data.gov (United States)

    Department of Housing and Urban Development — This dataset includes all terminated HUD Multifamily mortgages except those from the Hospital Mortgage Insurance Program. It includes the Holder and Servicer at the...

  9. Terminated Multifamily Mortgages Database

    Data.gov (United States)

    Department of Housing and Urban Development — Includes all terminated HUD Multifamily insured mortgages. It includes the Holder and Servicer at the time the mortgage was terminated. The data is good as of...

  10. Terminated Multifamily Mortgages Database

    Data.gov (United States)

    Department of Housing and Urban Development — This Excel 2010 file includes all terminated HUD Multifamily insured mortgages. It includes the Holder and Servicer at the time the mortgage was terminated. The data...

  11. Mortgage Default Risk

    DEFF Research Database (Denmark)

    Chauvet, Marcelle; Gabriel, Stuart; Lutz, Chandler

    2016-01-01

    We use Google search query data to develop a broad-based and real-time index of mortgage default risk. Unlike established indicators, our Mortgage Default Risk Index (MDRI) directly reflects households’concerns regarding their risk of mortgage default. The MDRI predicts housing returns, mortgage...... delinquency indicators, and subprime credit default swaps. These results persist both in- and out-of-sample and at multiple data frequencies. Together, research findings suggest internet search queries yield valuable new insights into household mortgage default risk....

  12. effects of climate change on agricultural productivity in the federal ...

    African Journals Online (AJOL)

    Osondu

    Global warming is projected ... related problems are issues of global concern ... Department of Geography and Environmental Management, ..... Synthesis report. Mabogunje, A.L.(1977), Report of the. Ecological Survey of the Federal Capital.

  13. 9 CFR 56.7 - Mortgage against poultry or eggs.

    Science.gov (United States)

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against poultry or eggs. 56.7... AGRICULTURE COOPERATIVE CONTROL AND ERADICATION OF LIVESTOCK OR POULTRY DISEASES CONTROL OF H5/H7 LOW PATHOGENIC AVIAN INFLUENZA § 56.7 Mortgage against poultry or eggs. When poultry or eggs have been...

  14. 76 FR 78465 - Home Mortgage Disclosure (Regulation C)

    Science.gov (United States)

    2011-12-19

    ... Federal Regulations, which is published #0;under 50 titles pursuant to 44 U.S.C. 1510. #0; #0;The Code of... Part 1003 RIN 3170-AA06 Home Mortgage Disclosure (Regulation C) AGENCY: Bureau of Consumer Financial... establishing a new Regulation C (Home Mortgage Disclosure). This interim final rule does not impose any...

  15. Agricultural Bioterrorism: A Federal Strategy to Meet the Threat

    Science.gov (United States)

    2002-01-01

    infection in the host can then be transmitted rapidly to nearby members of the population. An infection may go undetected or undiag- nosed for days; thus...Information National Mastitis Council Poultry Science Association 66 AGRICULTURAL BIOTERRORISM Society of Nematologists United States Animal Health

  16. Essays on Mortgage Risk

    OpenAIRE

    Neale, Alan J.

    2012-01-01

    This dissertation contributes three essays in areas of mortgage risk that are rapidly growing in importance. The first essay develops a fully dynamic optimization model for a borrower's redefault decision on a modified mortgage incorporating real-world frictions relevant for default decisions. Solutions to the model reveal large differences across modification structures and a basic pecking order for redefault performance controlling for resulting mortgage present value. Further, empirical te...

  17. Mortgage market regulation: Europe

    NARCIS (Netherlands)

    Aalbers, M.B.; Smith, S.J.

    2012-01-01

    Despite several European Union (EU) initiatives, there is only limited pan-European mortgage market regulation. The EU strategy can be characterised as one of parallel liberalisation and consolidation. This article highlights the key differences in regulation among European mortgage markets.

  18. Mortgage lenders and loans

    NARCIS (Netherlands)

    Aalbers, M.B.; Smith, S.J.

    2012-01-01

    This article presents a short historical overview of the different types of lenders that are active in the origination of residential mortgage loans. First, a distinction is made between depository and nondepository lenders. Second, there are two major types of depository lenders: commercial banks,

  19. 12 CFR 201.109 - Eligibility for discount of mortgage company notes.

    Science.gov (United States)

    2010-01-01

    ... finance such temporary “warehousing” of real estate mortgage loans are notes issued for an industrial or... issued by mortgage banking companies to finance their acquisition and temporary holding of real estate... Board has authority to define what are “agricultural, industrial, or commercial purposes”, which is the...

  20. 77 FR 51115 - Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X...

    Science.gov (United States)

    2012-08-23

    ... From the Federal Register Online via the Government Publishing Office ] Vol. 77 Thursday, No. 164 August 23, 2012 Part II Bureau of Consumer Financial Protection 12 CFR Parts 1024 and 1026 Integrated... loans. Shopping for Mortgage Loans When shopping for a mortgage loan, research has shown that consumers...

  1. 12 CFR Appendix B to Part 1720 - Policy Guidance; Non-Mortgage Liquidity Investments

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 7 2010-01-01 2010-01-01 false Policy Guidance; Non-Mortgage Liquidity Investments B Appendix B to Part 1720 Banks and Banking OFFICE OF FEDERAL HOUSING ENTERPRISE OVERSIGHT... Appendix B to Part 1720—Policy Guidance; Non-Mortgage Liquidity Investments A—Purpose B—Activities...

  2. 77 FR 56857 - Notice of Proposed Information Collection for Public Comment; Public Housing Mortgage Program and...

    Science.gov (United States)

    2012-09-14

    ... order for HAs to be approved for a mortgage or security interest in any public housing real estate or... HUD for approval to allow PHAs to grant a mortgage in public housing real estate or a security... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HOUSING...

  3. 77 FR 70175 - Notice of Submission of Proposed Information Collection to OMB; Public Housing Mortgage Program...

    Science.gov (United States)

    2012-11-23

    ... information to HUD for approval to allow PHAs to grant a mortgage in public housing real estate or a security... grant a mortgage in public housing real estate or a security interest in some tangible form of personal... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HOUSING...

  4. 76 FR 78483 - S.A.F.E. Mortgage Licensing Act (Regulations G & H)

    Science.gov (United States)

    2011-12-19

    ... PROTECTION 12 CFR Part 1007 and 1008 RIN 3170-AA06 S.A.F.E. Mortgage Licensing Act (Regulations G & H) AGENCY... final rule establishing a new Regulation G (S.A.F.E. Mortgage Licensing Act--Federal Registration of...: Monica Jackson, Office of the Executive Secretary, Bureau of Consumer Financial Protection, 1700 G...

  5. Safe and Liquid Mortgage Bonds

    DEFF Research Database (Denmark)

    Dick-Nielsen, Jens; Gyntelberg, Jacob; Lund, Jesper

    This paper shows that strict match pass-through funding of covered bonds provides safe and liquid mortgage bonds. Despite a 30% drop in house prices during the 2008 global crisis Danish mortgage bonds remained as liquid as most European government bonds. The Danish pass-through system effectively...... eliminates credit risk from the investor's perspective. Similar to other safe bonds, funding liquidity becomes the main driver of mortgage bond liquidity and this creates commonality in liquidity across markets and countries. These findings have implications for how to design a robust mortgage bond system...

  6. Safe and Liquid Mortgage Bonds

    DEFF Research Database (Denmark)

    Dick-Nielsen, Jens; Gyntelberg, Jacob; Lund, Jesper

    This paper shows that strict match pass-through funding of covered bonds provides safe and liquid mortgage bonds. Despite a 30% drop in house prices during the 2008 global crisis Danish mortgage bonds remained as liquid as most European government bonds. The Danish pass-through system effectively...... eliminates credit risk from the investor's perspective. Similar to other safe bonds, funding liquidity becomes the main driver of mortgage bond liquidity and this creates commonality in liquidity across markets and countries. These findings have implications for how to design a robust mortgage bond system...

  7. Portfolio Optimization and Mortgage Choice

    Directory of Open Access Journals (Sweden)

    Maj-Britt Nordfang

    2017-01-01

    Full Text Available This paper studies the optimal mortgage choice of an investor in a simple bond market with a stochastic interest rate and access to term life insurance. The study is based on advances in stochastic control theory, which provides analytical solutions to portfolio problems with a stochastic interest rate. We derive the optimal portfolio of a mortgagor in a simple framework and formulate stylized versions of mortgage products offered in the market today. This allows us to analyze the optimal investment strategy in terms of optimal mortgage choice. We conclude that certain extreme investors optimally choose either a traditional fixed rate mortgage or an adjustable rate mortgage, while investors with moderate risk aversion and income prefer a mix of the two. By matching specific investor characteristics to existing mortgage products, our study provides a better understanding of the complex and yet restricted mortgage choice faced by many household investors. In addition, the simple analytical framework enables a detailed analysis of how changes to market, income and preference parameters affect the optimal mortgage choice.

  8. 76 FR 44225 - Alternative Mortgage Transaction Parity (Regulation D)

    Science.gov (United States)

    2011-07-22

    ... preempted state consumer protection laws will apply to fixed-rate mortgage loans with interest-only payment... agencies, the Dodd-Frank Act amends existing federal consumer financial laws and establishes new standards... Law 111-203, Sec. 1061 (transferring, among other things, the ``consumer financial...

  9. 24 CFR 242.37 - Mortgage prepayment.

    Science.gov (United States)

    2010-04-01

    ... is given to secure GNMA mortgage-backed securities or a loan made by a lender that has obtained the... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage prepayment. 242.37 Section... DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES MORTGAGE...

  10. 24 CFR 320.27 - Mortgages.

    Science.gov (United States)

    2010-04-01

    ... NATIONAL MORTGAGE ASSOCIATION, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT GUARANTY OF MORTGAGE-BACKED SECURITIES Bond-Type Securities § 320.27 Mortgages. Guaranteed securities issued under these provisions must be based on and backed by mortgages pooled under trust arrangements satisfactory to the Association...

  11. 24 CFR 320.7 - Mortgages.

    Science.gov (United States)

    2010-04-01

    ... NATIONAL MORTGAGE ASSOCIATION, DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT GUARANTY OF MORTGAGE-BACKED SECURITIES Pass-Through Type Securities § 320.7 Mortgages. Each issue of guaranteed securities must be backed... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgages. 320.7 Section 320.7...

  12. 12 CFR 614.4070 - Loans and chartered territory-Farm Credit Banks, agricultural credit banks, Federal land bank...

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Loans and chartered territory-Farm Credit Banks... ADMINISTRATION FARM CREDIT SYSTEM LOAN POLICIES AND OPERATIONS Chartered Territories § 614.4070 Loans and chartered territory—Farm Credit Banks, agricultural credit banks, Federal land bank associations,...

  13. Allegheny County Mortgage Foreclosure Records

    Data.gov (United States)

    Allegheny County / City of Pittsburgh / Western PA Regional Data Center — This data includes filings related to mortgage foreclosure in Allegheny County. The foreclosure process enables a lender to take possession of a property due to an...

  14. Modelling Australia's Retail Mortgage Rate

    OpenAIRE

    Abbas Valadkhani; Sajid Anwar

    2012-01-01

    There is an ongoing controversy over whether banks’ mortgage rates rise more readily than they fall due to their asymmetric responses to changes in the cash rate. This paper examines the dynamic interplay between the cash rate and the variable mortgage rate using monthly data in the post-1989 era. Unlike previous studies for Australia, our proposed threshold and asymmetric error-correction models account for both the amount and adjustment asymmetries. We found thatrate rises have much larger ...

  15. 24 CFR 266.410 - Mortgage provisions.

    Science.gov (United States)

    2010-04-01

    ... HOUSING FINANCE AGENCY RISK-SHARING PROGRAM FOR INSURED AFFORDABLE MULTIFAMILY PROJECT LOANS Mortgage and... accordance with HUD guidelines. (i) Regulatory Agreement. The mortgage must contain a provision incorporating the Regulatory Agreement by reference. ...

  16. Accounting mortgage transactions: directions of improvement

    Directory of Open Access Journals (Sweden)

    I.M. Vygivska

    2016-12-01

    Full Text Available Fragmentation methods of accounting of contractual obligations secured by mortgage, discussion questions evaluating the object of mortgage at the stage of conclusion of loan agreements (credit and the probability of default and foreclosure with the mortgagor necessitated a comprehensive research and development of methodical maintenance of accounting mortgage transactions in subjects of its implementation (the mortgagor and mortgagee, including the improvement of the order of accounting reflection operations with a mortgage of property rights, hypothec, «solid mortgage», mortgage securities, the mortgage of goods in circulation or processing. The article also provides the procedure of evaluating the object of mortgage at default of the mortgagor conditions of the contract taking into account its depreciation (physical and moral deterioration during the loan repayment period; the author specifies the procedure for recording of transactions related to the sale of such objects as the basis for providing contractual management process obligations of the debtor with relevant information.

  17. Agriculture

    Science.gov (United States)

    The EPA Agriculture Resource Directory offers comprehensive, easy-to-understand information about environmental stewardship on farms and ranches; commonsense, flexible approaches that are both environmentally protective and agriculturally sound.

  18. Capitalizing on Federal Agencies' Intentions To Protect Youth Working in Agriculture.

    Science.gov (United States)

    Murphy, Dennis J

    2017-01-01

    Nearly 750,000 youth work on farms across the United States. The U.S. Department of Labor's (U.S. DOL) Fair Labor Standards Act (FLSA) Hazardous Occupations Orders for Agriculture (HOOA) applies to approximately 37% of these youth. The HOOA regulations had not been updated since their inception in the late 1960s and the early 1970s. An attempt by U.S. DOL to update the regulations in 2011 was met with fierce opposition by the agricultural community, and the proposed updated regulations were withdrawn. One impactful outcome of these two events was a rededication by USDA and the farm community to address agricultural youth farm safety through education rather than through regulation. An agriculturally based National Steering Committee has developed consensus Belief Statements and Guiding Principles to proactively influence agricultural youth safety. In this case, USDA was clearly a 'sphere of influence' for youth agricultural safety.

  19. THE IMPACT OF THE RECENT FEDERAL RESERVE LARGESCALE ASSET PURCHASES ON THE AGRICULTURAL COMMODITY PRICES: A HISTORICAL DECOMPOSITION

    Directory of Open Access Journals (Sweden)

    Sayed H. Saghaian

    2014-04-01

    Full Text Available In this study, we evaluate the effects of the recent Federal Reserve’s purchases of longterm assets on prices of agricultural commodities. The first large-scale asset purchases began at the end of 2008, after the Great Recession, and the second purchases began in November of 2010. The commodities included in this analysis are meats (beef, pork, and broilers, cereal grains (corn, soybeans, wheat, and rice, and softs (sugar, coffee, cocoa, and cotton. Using historical decompositions, we find significant increases in the nominal agricultural prices of ten out of 12 agricultural commodities under investigation from the second large-scale asset purchases (in 2010 but the first set large-scale asset purchases had only two positive effects.

  20. The globalization and Europeanization of mortgage markets

    NARCIS (Netherlands)

    Aalbers, M.B.

    2009-01-01

    Do globalization and Europeanization lead to the deterritorialization of European mortgage markets? Neither economic globalization nor EU policies have resulted in one European mortgage market. The various European mortgage markets are still quite different from one another in many respects. In most

  1. 24 CFR 200.87 - Mortgage prepayment.

    Science.gov (United States)

    2010-04-01

    ... mortgage-backed securities or a loan made by a lender that has obtained the funds for the loan by the... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgage prepayment. 200.87 Section... Generally Applicable to Multifamily and Health Care Facility Mortgage Insurance Programs; and Continuing...

  2. 75 FR 10707 - MORTGAGE ASSISTANCE RELIEF SERVICES

    Science.gov (United States)

    2010-03-09

    ...-cycle of mortgage loans, i.e., practices with regard to the marketing, advertising, and servicing of... advertising mainly on their capacity to obtain mortgage loan modifications\\35\\ as opposed to other forms of... advertised for consultants with mortgage and real estate experience to join its cadre of loan...

  3. A Review of Rural Policy-favored Petty Loan Forest Property Certificate Mortgage

    Institute of Scientific and Technical Information of China (English)

    Li; ZHOU; Yuhui; LI

    2014-01-01

    Studying petty loan forestry property mortgage mode has significant practical meaning in fund-raising and income-increasing in the forest- agriculture industry,restructuring and expanding the industry as well as setting up scientific industrial public policies. On the basis of literature analysis and field research data,this paper will classify and analyze research papers studying in forestry,property mortgage,and therefore draws conclusions on relevant concepts of petty loan forestry property mortgage,economics and property rights theory as well. At present,the studies of petty loan forestry property mortgage are more practical that are lack of an overall theoretical framework. Considering China’s real situation of petty loan forestry property mortgage mode,we have investigated some foreign cases in operating forestry property mortgage systemically and some challenges and difficulties confronted by stakeholders in real cases. Therefore,we put forward that in the current period the fund-raising in forestry industry should focus on establishing and improving an overall rural petty loan forestry property mortgage mode.

  4. Did the Federal Agriculture Improvement and Reform Act of 1996 Affect Farmland Values?

    Directory of Open Access Journals (Sweden)

    Charles B. Moss

    2011-03-01

    Full Text Available Farmland values are affected by numerous factors, including farm policy, shifts in demand for agricultural output both foreign and domestic, monetary policy and urban pressure. In this study we use an information measure to examine whether the shift toward a more market-oriented policy in 1996 changed the relationship between farmland values and government payments. The results indicated that the shift in agricultural policy resulted in significant shift in this relationship.

  5. 76 FR 53362 - Approval of Farm Credit System Lending Institutions in FHA Mortgage Insurance Programs

    Science.gov (United States)

    2011-08-26

    ... as described in the preamble to this rule. Environmental Impact This rule does not direct, provide... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HOUSING AND... FHA Mortgage Insurance Programs AGENCY: Office of the Assistant Secretary for Housing--Federal...

  6. 78 FR 26383 - Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs

    Science.gov (United States)

    2013-05-06

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner, HUD. ACTION:...

  7. 76 FR 79704 - Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs

    Science.gov (United States)

    2011-12-22

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner, HUD. ACTION:...

  8. 75 FR 5800 - Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs

    Science.gov (United States)

    2010-02-04

    ... From the Federal Register Online via the Government Publishing Office ] DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner, HUD. ACTION:...

  9. 76 FR 10387 - Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs

    Science.gov (United States)

    2011-02-24

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF HOUSING AND URBAN DEVELOPMENT Annual Indexing of Basic Statutory Mortgage Limits for Multifamily Housing Programs AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner, HUD. ACTION:...

  10. 77 FR 21580 - Changes in Certain Multifamily Housing and Health Care Facility Mortgage Insurance Premiums for...

    Science.gov (United States)

    2012-04-10

    ... Premiums for Fiscal Year (FY) 2013 AGENCY: Office of the Assistant Secretary for Housing--Federal Housing... of the mortgage insurance premiums (MIPs) for certain Federal Housing Administration (FHA... return to the market by ensuring FHA is not under-pricing its risk. In addition to announcing MIPs for FY...

  11. Integrating Federal and State data records to report progress in establishing agricultural conservation practices on Chesapeake Bay farms

    Science.gov (United States)

    Hively, W. Dean; Devereux, Olivia H.; Claggett, Peter

    2013-01-01

    In response to the Executive Order for Chesapeake Bay Protection and Restoration (E.O. #13508, May 12, 2009), the U.S. Geological Survey (USGS) took on the task of acquiring and assessing agricultural conservation practice data records for U.S. Department of Agriculture (USDA) programs, and transferred those datasets in aggregated format to State jurisdictional agencies for use in reporting conservation progress to the Chesapeake Bay Program Partnership (CBP Partnership). Under the guidelines and regulations that have been developed to protect and restore water-quality in the Chesapeake Bay, the six State jurisdictions that fall within the Chesapeake Bay watershed are required to report their progress in promoting agricultural conservation practices to the CBP Partnership on an annual basis. The installation and adoption of agricultural best management practices is supported by technical and financial assistance from both Federal and State conservation programs. The farm enrollment data for USDA conservation programs are confidential, but agencies can obtain access to the privacy-protected data if they are established as USDA Conservation Cooperators. The datasets can also be released to the public if they are first aggregated to protect farmer privacy. In 2012, the USGS used its Conservation Cooperator status to obtain implementation data for conservation programs sponsored by the USDA Natural Resources Conservation Service (NRCS) and the USDA Farm Service Agency (FSA) for farms within the Chesapeake Bay watershed. Three jurisdictions (Delaware, Pennsylvania, and West Virginia) used the USGS-provided aggregated dataset to report conservation progress in 2012, whereas the remaining three jurisdictions (Maryland, New York, and Virginia) used jurisdictional Conservation Cooperator Agreements to obtain privacy-protected data directly from the USDA. This report reviews the status of conservation data sharing between the USDA and the various jurisdictions, discusses the

  12. REVIEW OF MARKET MECHANISM FEATURES OF INNOVATION SUPPORT IN AGRICULTURE INDUSTRY IN MORE ECONOMICALLY DEVELOPED COUNTRIES: STRATEGIES FOR RUSSIAN FEDERATION

    Directory of Open Access Journals (Sweden)

    I.S. Sandu

    2015-03-01

    Full Text Available The article shows examples of market mechanism application of innovations implementation based on the experience of the countries with advanced economies. The analysis is based on the agriculture industry. In the article innovation activity ‪encouragement‬ methods are presented. Government’s influence on the companies’ innovation activity is analyzed as well as tax remissions of the companies involved in agriculture R&D in a series of advanced countries. By using this long-term overseas experience Russian Federation can greatly benefit to speed up its innovation processes in rural economy. The article’s aim is to suggest the way to speed up innovation process.‬‬‬‬

  13. 24 CFR 203.350 - Assignment of mortgage.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Assignment of mortgage. 203.350... SINGLE FAMILY MORTGAGE INSURANCE Contract Rights and Obligations Assignment of Mortgage § 203.350 Assignment of mortgage. (a) Assignment of modified mortgages pursuant to section 230, National Housing Act...

  14. Developing Situation and Countermeasures of Mortgage Financing of “Three Rights” in China’s Rural Areas

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    By adopting archival analysis method and investigation method,this paper expounds the relationship between "three rights" mortgage and farmers’ financing in rural areas,and conducts analysis on behavior choosing of "three rights" mortgage financing in rural areas.The results show that the farmers has strong need for financing,but the satisfaction level of need is not high;the farmers have many irregular channels of financing and there is a ubiquitous phenomenon of loan being rejected without mortgage;agricultural modernization,industrialization and scaling-up management have strong need for capital.The main problems yet to be solved in the process of carrying out "three rights" mortgage loan are expounded and corresponding countermeasures are put forward as follows:first,we should solve the problems of mortgage registration as quickly as possible,which is the prerequisite of implementing "three rights" mortgage loan;second,we should establish smooth evaluation mechanism,which is important condition for promoting "three rights" mortgage loan;we should solve the difficulties in confirmation of farmers’ house as quickly as possible,which is indispensable element of expanding mortgage loan of farmers’ house;we should effectively solve the problem of turning an asset into cash and assets disposal,which is the key to expanding "three rights" mortgage financing;we should establish sound forestry factor market,which is the main part of promoting healthy development of forestry right mortgage loan;we should formulate management methods of financing risk compensation fund of rural property rights and adopt rational measures to reduce taxation,which is the main approach to quicken offering of "three rights" mortgage loan.

  15. Agriculture Breaks New Ground. How Biotechnology and Regrowing Materials Are Being Used in the Federal Republic of Germany. Sonderdienst Special Report SO1.

    Science.gov (United States)

    Grimm, Fritz; Born, Sigrid

    This document provides an overview of the major research priorities of biotechnology and the use of what is known as "regrowing raw materials" in agriculture in the Federal Republic of Germany. Following an introduction, section 2 addresses biotechnology in agriculture, including biotechnology and genetic engineering, the significance of…

  16. Valuers’ Liability in Mortgage Valuation

    Directory of Open Access Journals (Sweden)

    Gabriel Babawale

    2013-05-01

    Full Text Available Valuation is a profession; valuers’ clients are therefore justified in expecting valuations that meet the standards prescribed by relevant professional body(s.Failure to meet these standards constitute a source of breach of the duty that valuers owe their clients. The courts too have always looked up to the published standards of professional bodies for judgment guidelines in liability cases of contract, fraud and negligence. Drawing inferences from standards prescribed by valuers’ professional bodies and ensuing mortgage valuation case laws, this study sought to establish, among others, the nature and extent of the duty of care that valuers owe their clients; the grounds for liability for negligence; the penalties for negligence; and also proffered practical steps and procedures to preventing liability for negligence in mortgage valuation. Due to the present paucity of documented pronoun¬cements on the subject in Nigerian courts, the paper focuses on case laws in countries with similar jurisprudence, particularly Britain and other Commonwealth countries. Interes¬tingly, decision in the British courts has often become precedents for the rest of the common law world. The ultimate goal is to help Nigerian valuers hone their skill in mortgage valuation in the light of global best practices.

  17. Undergraduate Research: Mathematical Modeling of Mortgages

    Science.gov (United States)

    Choi, Youngna; Spero, Steven

    2010-01-01

    In this article, we study financing in the real estate market and show how various types of mortgages can be modeled and analyzed. With only an introductory level of interest theory, finance, and calculus, we model and analyze three types of popular mortgages with real life examples that explain the background and inevitable outcome of the current…

  18. A New Paradigm in Mortgage Loan Advice

    DEFF Research Database (Denmark)

    Otterstedt, Margrét Sesselja; Rasmussen, Kourosh Marjani; Kulahci, Murat

    2013-01-01

    The Danish mortgage market has undergone considerable changes during the last 15 years. New and more complex variations of loan products have been introduced. Nevertheless, mortgage loan advice has remained, by large, unchanged. This paper addresses a study where a number of new refinancing rules...

  19. Mortgage risks, debt literacy and financial advice

    NARCIS (Netherlands)

    van Ooijen, Raun; van Rooij, Maarten C.J.

    2016-01-01

    A limited understanding of mortgage contracts and the risks involved may have contributed to the outbreak of the 2007–2008 financial crisis. We developed a special questionnaire relating mortgage loan decisions to financial knowledge and financial advice. Our results demonstrate that homeowners

  20. MBS Ratings and the Mortgage Credit Boom

    NARCIS (Netherlands)

    Ashcraft, A.; Goldsmith-Pinkham, P.; Vickery, J.

    2010-01-01

    We study credit ratings on subprime and Alt-A mortgage-backed securities (MBS) deals issued between 2001 and 2007, the period leading up to the subprime crisis. The fraction of highly-rated securities in each deal is decreasing in mortgage credit risk (measured either ex-ante or ex-post), suggesting

  1. 12 CFR 225.122 - Bank holding company ownership of mortgage companies.

    Science.gov (United States)

    2010-01-01

    ...) Regulations Financial Holding Companies Interpretations § 225.122 Bank holding company ownership of mortgage... Federal law or (2) as comprised within the concept of “such incidental powers as shall be necessary to... section 4 of the Act is to confine a bank holding company's activities to the management and control of...

  2. 78 FR 57921 - Municipal Mortgage & Equity LLC, Prolink Holdings Corp., RPM Technologies, Inc., SARS Corp...

    Science.gov (United States)

    2013-09-20

    ... From the Federal Register Online via the Government Publishing Office SECURITIES AND EXCHANGE COMMISSION Municipal Mortgage & Equity LLC, Prolink Holdings Corp., RPM Technologies, Inc., SARS Corp... lack of current and accurate information concerning the securities of SARS Corp. because it has not...

  3. 77 FR 23273 - Proposed Information Collection; Comment Request: Home Equity Conversion Mortgage Counseling...

    Science.gov (United States)

    2012-04-18

    ... Counseling Client Survey AGENCY: Office of the Assistant Secretary for Housing--Federal Housing Commissioner... Counseling Client Survey. OMB Control Number, if applicable: 2502-0585. Description of the need for the...), consumers must participate in reverse mortgage counseling. As part of HUD's evaluation of its...

  4. 26 CFR 301.7701(i)-1 - Definition of a taxable mortgage pool.

    Science.gov (United States)

    2010-04-01

    ... pool of real estate mortgages from escaping Federal income taxation when the pool is used to issue... section 25(e)(10) and without regard to the treatment of the properties under state law. (3) Principally...) Example. The following example illustrates the principles of this paragraph (d)(3)(ii): Example. At the...

  5. The Causes and Corresponding Strategy of Sub-prime Mortgage Crisis

    Directory of Open Access Journals (Sweden)

    yongyongzhu

    2013-05-01

    Full Text Available Make analysis through the five aspects including the Federal Reserve abetting the bubble, mortgage companies making loans perfunctorily, investment banks carefully packaging, credit company’s default assessment and hedge fund pursuing profits. Expound the transmission mechanism and influences of the sub-prime mortgage from the four angles including the foreign investors, the investment portfolio adjustment effect, the asset rating and risk reassessment and the entity economy transmission and the expectancy effect. From above, reach the conclusions which are the following five corresponding strategies: strengthening the management of foreign investment; developing information disclosure; coordinating the macro and micro policies; take precautions against moral hazard with policies; avoiding the excess liquidity. These offer decision-making basis for the further study of the influences and corresponding strategies of sub-prime mortgage.

  6. Optimal Mortgage Refinancing: A Closed Form Solution.

    Science.gov (United States)

    Agarwal, Sumit; Driscoll, John C; Laibson, David I

    2013-06-01

    We derive the first closed-form optimal refinancing rule: Refinance when the current mortgage interest rate falls below the original rate by at least [Formula: see text] In this formula W(.) is the Lambert W-function, [Formula: see text]ρ is the real discount rate, λ is the expected real rate of exogenous mortgage repayment, σ is the standard deviation of the mortgage rate, κ/M is the ratio of the tax-adjusted refinancing cost and the remaining mortgage value, and τ is the marginal tax rate. This expression is derived by solving a tractable class of refinancing problems. Our quantitative results closely match those reported by researchers using numerical methods.

  7. SHORT-TERM FORECASTING OF MORTGAGE LENDING

    Directory of Open Access Journals (Sweden)

    Irina V. Orlova

    2013-01-01

    Full Text Available The article considers the methodological and algorithmic problems arising in modeling and forecasting of time series of mortgage loans. Focuses on the processes of formation of the levels of time series of mortgage loans and the problem of choice and identification of models in the conditions of small samples. For forecasting options are selected and implemented a model of autoregressive and moving average, which allowed to obtain reliable forecasts.

  8. 76 FR 78130 - Mortgage Acts and Practices-Advertising (Regulation N); Mortgage Assistance Relief Services...

    Science.gov (United States)

    2011-12-16

    ...); Mortgage Assistance Relief Services (Regulation O) AGENCY: Bureau of Consumer Financial Protection. ACTION... Regulation O (Mortgage Assistance Relief Services), 12 CFR part 1015, implementing the Omnibus Appropriations... Services Rule as the Bureau's new Regulation O, 12 CFR part 1015, making only certain non-substantive...

  9. Residential Mortgage Market in Economic and Social Development of Ukraine

    Directory of Open Access Journals (Sweden)

    Onysko Stefaniia M.

    2014-02-01

    Full Text Available The article studies tendencies of development of the residential mortgage market in Ukraine in the post-crisis period 2009 – 2012, identifies main tendencies of development of the Ukrainian mortgage market and conducts analysis of the level of mortgage interest rates. The article analyses the modern state of the mortgage market of Ukraine, dynamics of volumes of mortgage loans, their cost, structure of banks as mortgage creditors and cost of housing in Ukraine in the studied period. The article makes a number of offers on efficiency of mortgage, offers directions of financial support of rehabilitation of the market for solving housing problems of the population and identifies importance of state support of mortgage development.

  10. 24 CFR 203.18 - Maximum mortgage amounts.

    Science.gov (United States)

    2010-04-01

    ... as of the date the mortgage is accepted for insurance. (e) Disaster victims. A mortgage covering a... is required as a result of a flood, fire, hurricane, earthquake, storm, riot or civil disorder...

  11. 12 CFR 652.40 - Stress tests for mortgage securities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Stress tests for mortgage securities. 652.40... MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management § 652.40 Stress tests for mortgage securities. (a) You must perform stress tests to determine how interest rate changes will affect the...

  12. 24 CFR 203.49 - Eligibility of adjustable rate mortgages.

    Science.gov (United States)

    2010-04-01

    ... National Housing Act. (a) Types of mortgages insurable. The types of adjustable rate mortgages that are... payment, except that, for these types of mortgages, the first adjustment shall be no sooner or later than... secured by a principal dwelling under the Truth in Lending Act, 15 U.S.C. 1601 et seq. (h)...

  13. 77 FR 8721 - Home Mortgage Disclosure (Regulation C)

    Science.gov (United States)

    2012-02-15

    ... PROTECTION 12 CFR Part 1003 RIN 3170-AA06 Home Mortgage Disclosure (Regulation C) AGENCY: Bureau of Consumer... requirements of Regulation C (Home Mortgage Disclosure) to reflect a change in the asset-size exemption... 1975, as amended (HMDA; 12 U.S.C. 2801 et seq.) requires most mortgage lenders located in...

  14. 24 CFR 200.21 - Reinsurance of Commissioner held mortgages.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Reinsurance of Commissioner held mortgages. 200.21 Section 200.21 Housing and Urban Development Regulations Relating to Housing and Urban... Insurance § 200.21 Reinsurance of Commissioner held mortgages. Any mortgage assigned to the Commissioner...

  15. Common Problems of Mortgage Banking Development in Poland

    Directory of Open Access Journals (Sweden)

    Anna Szelągowska

    2007-03-01

    Full Text Available In many countries the mortgage banking plays a basic role in the housing funding. The Polish model of the housing funding in large measure grounded on banking loans. However, more than 95% of mortgage loans come from universal banks. Mortgage banks, which have existed in the Polish economy for 10 years still play a small role in housing funding.

  16. Mortgage Finance and Security of Collateral

    DEFF Research Database (Denmark)

    Haldrup, Karin

    2011-01-01

    Developing economies face a gigantic lack of financing for urbanization due to the absence of formal and transparent property markets. The paper discuss the interference between mortgage finance and collateral security by using the Danish mortgage financing model as an example, because of its 200...... years long history, and because the system is recommended as an option in emerging markets and as a possible model for remedying failures in mature housing finance markets. It is suggested that development policies in land administration need to be revised in order to support a widening of credit...

  17. Commercial mortgages: An underutilized channel for scaling energy efficiency investments?

    Energy Technology Data Exchange (ETDEWEB)

    Mathew, Paul; Wallace, Nancy; Alschuler, Elena; Kolstad, Leonard

    2016-02-01

    Commercial mortgages currently do not fully account for energy factors in underwriting and valuation, particularly as it relates to the impact of energy costs and volatility on an owner’s net operating income. As a consequence, energy efficiency is not properly valued and energy risks are not properly assessed and mitigated. Commercial mortgages are a large lever and could be a significant channel for scaling energy efficiency investments. A pilot analysis of loans with different mortgage contract structures and locations showed that when energy cost volatility was included in mortgage valuation, a 20% reduction in energy use resulted in a 1.3% average increase in mortgage value. This suggests that the explicit inclusion of energy use and volatility in mortgage valuation can send a strong price signal that financially rewards and values energy efficiency in commercial properties. This paper presents findings from a scoping study addressing energy factors in commercial mortgages. First, we present a review of current practices as it relates to incorporating energy factors into commercial mortgage underwriting and valuation. Next, we detail the impacts of energy factors on property values, net operating income and mortgage valuation. Building operational practices alone can result in energy use variations from -17% to 87%. Finally, we present a set of proposed interventions to properly address energy factors in commercial mortgages, based on extensive discussions with stakeholders including mortgage originators, underwriters, building owners and regulators.

  18. 75 FR 75091 - Mortgage Assistance Relief Services

    Science.gov (United States)

    2010-12-01

    ... marketing of MARS, including misrepresentations regarding the services MARS providers will perform and... marketing to offer newly-minted forms of mortgage relief--for example, the possibility of entering a short...://ag.ca.gov/newsalerts/release.php?id=1821 . \\59\\ See State Bar of Cal., Ethics Alert: Legal...

  19. Classification System for Mortgage Arrear Management

    NARCIS (Netherlands)

    Sun, Zhe; Wiering, Marco; Petkov, Nicolai

    2014-01-01

    Due to the economic recession in the recent years, more and more mortgage customers default on the payments. This brings tremendous losses to banks and forces their arrear management departments to develop more efficient processes. In this paper, we propose a classification system to predict the out

  20. Dissaving of the Past via Reverse Mortgages

    Directory of Open Access Journals (Sweden)

    Ana Luiza Champloni

    Full Text Available We build a simple two-period general equilibrium model with incomplete markets which incorporates reverse market mortgages without appealing to the complicated framework required by the infinite horizon models. Two types of agents are considered: elderly agents and investors. The former are owners of physical assets (for instance housing who will want to sell them to investors. For that end the elderly agents, who are assumed to not have any bequest motive, issue claims against physical assets they own. One of the claims issued will be interpreted as reverse mortgage (loan for seniors and the other one as a call option written on the value of housing equity. By assuming that both the elderly agents and the investors are price takers, and by applying the generalized game approach, we show that the equilibrium in this economy always exists, providing the usual conditions on utilities and initial endowments are satisfied. We end with a remark on efficiency of the quilibrium.

  1. Experienced discrimination in home mortgage lending

    DEFF Research Database (Denmark)

    Secchi, Davide; Seri, Raffaello

    2017-01-01

    This article proposes a framework for the analysis of experienced discrimination in home mortgages. It addresses the problem of home mortgage lending discrimination in one of the richest areas of northern Italy. Employees of a local hospital were interviewed to study their perception (or experience......) of discriminatory behavior related to home financing. The analysis follows two steps. The first evaluates self-selection (the probability that individuals apply) and the second focuses on the likelihood that applications are accepted by the bank. Findings show that discrimination is likely to appear when...... the applicant’s nationality is considered. In addition to its findings, the study (a) provides an original econometric model on a two-step procedure to test perceived discrimination and (b) suggests a method and approach that may constitute a point of reference for those willing to study perceived...

  2. Secondary Market Products in the Mortgage System and Global Practices

    Directory of Open Access Journals (Sweden)

    Erhan Eroğlu

    2010-12-01

    Full Text Available In general terms, the mortgage market has two faces, the primary and the secondary markets. The primary market covers housing mortgage loans. On the other side of the mechanism, these loans are securitized and issued in financial markets with different form of securities in secondary markets. The common name of these instruments is “mortgage backed securities - MBS”. A mortgage backed security is a financial instrument issued in capital markets for investors, derived from either backed by the cash flow of the housing loan repayments (which is called pay-through or backed by directly selling the mortgage pools to the MBS issuers (which is called passthrough. The most trading secondary mortgage market instruments and world practices are explained in this article.

  3. 76 FR 24571 - Proposed Information Collection (Veterans Mortgage Life Insurance Inquiry); Comment Request

    Science.gov (United States)

    2011-05-02

    ... AFFAIRS Proposed Information Collection (Veterans Mortgage Life Insurance Inquiry); Comment Request AGENCY... information needed to maintain Veterans Mortgage Life Insurance accounts. DATES: Written comments and... techniques or the use of other forms of information technology. Title: Veterans Mortgage Life...

  4. 76 FR 24570 - Proposed Information Collection (Veterans Mortgage Life Insurance-Change of Address Statement...

    Science.gov (United States)

    2011-05-02

    ... AFFAIRS Proposed Information Collection (Veterans Mortgage Life Insurance--Change of Address Statement... Mortgage Life Insurance. DATES: Written comments and recommendations on the proposed collection of... information technology. Title: Veterans Mortgage Life Insurance--Change of Address Statement, VA Form...

  5. 78 FR 36829 - Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment...

    Science.gov (United States)

    2013-06-19

    ... AFFAIRS Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment... solicits comments for information needed to decline Veterans Mortgage Life Insurance. DATES: Written... techniques or the use of other forms of information technology. Title: Veterans Mortgage Life...

  6. Commercial Mortgage Prepayments Under Heterogeneous Prepayment Penalty Structures

    OpenAIRE

    Qiang Fu; Michael LaCour-Little; Kerry D. Vandell

    2003-01-01

    Much of the literature on pricing commercial mortgages and commercial mortgage-backed securities has assumed homogeneity in prepayment penalty structure. In this paper, we provide evidence that such an assumption is inappropriate and examine the effect of penalty structures observed in actual contracts. After conducting preliminary simulations, we present hazard models estimated from data on 1,165 multifamily mortgage loans to show how empirical prepayment rates vary with alternative penalty ...

  7. Analysis on Mortgage of Farmland Contractual Management Right and Countermeasures

    Institute of Scientific and Technical Information of China (English)

    Zhaohua; YIN; Zegan; XIAO

    2013-01-01

    In recent years, a series of pilot projects in mortgage of farmland contractual management right have been carried out in some regions. However, there is considerable dispute over whether the farmland contractual management right can be mortgaged in the practice of China’s legislation on land circulation. We firstly introduced current situations of mortgage of farmland contractual management right in China. Then, we analyzed existing problems in mortgage of farmland contractual management right. Finally, we put forward corresponding countermeasures and recommendations, to bring into full play land use efficiency, more rationally distribute land resource, and further promote development of rural economy.

  8. A Note On the Attitude of Pension Fund Investment Managers toward Mortgage-Backed Securities

    OpenAIRE

    William A. Christiansen; Clarence C. Elebash

    1987-01-01

    Mortgage-backed securities (MBS) have been successful in attracting a broad variety of financial institutions to invest in the mortgage market. By attracting a variety of new types of investors to the mortgage market and by integrating the mortgage market into the more highly developed corporate capital markets, the issuance of mortgage-backed securities resulted in both enlarging and stabilizing the flow of mortgage funds. However, pension funds,the largest source of new long-term capital in...

  9. 24 CFR 257.403 - Prohibitions on interested parties in insured mortgage transaction.

    Science.gov (United States)

    2010-04-01

    ... lender, mortgage broker, mortgage banker, real estate broker, appraisal management company or employee..., or bribery, the development, reporting, result, or review of a real estate appraisal sought...

  10. Analysis of increasing trend of mortgage volume in the Czech Republic

    Directory of Open Access Journals (Sweden)

    Petra Střelcová

    2009-01-01

    Full Text Available The aim of this paper is an empirical analysis of mortgage volume in the Czech Republic and factors identification of the increasing trend of the mortgage volume in the period from 2001 to 2007. Firstly, analysis of quarterly time series of mortgage volume and average mortgage rate are performed. Consequently, causality between mortgage volume and average mortgage rate is analysed. The morgage rate is the most important factor for economic subjects decision of residential investment. Afterwards, it is analysed causality between mortgage volume and selected factors via multiple regression analysis. Based on this analysis, influencing factors for multiple regression analysis describing mortgage volume are selected. Our empirical analysis validate the causality between mortgage volume and mortgage rate, unemployment rate and price level of real estates. Part of this paper is also economic eduction of causality and estimation of expect progress of mortgage volume especially in connection with present economic and business recession.

  11. 78 FR 75215 - Qualified Mortgage Definition for HUD Insured and Guaranteed Single Family Mortgages

    Science.gov (United States)

    2013-12-11

    ... certain clarifications and exceptions HUD is making in response to public comments. As proposed by HUD in... of exempted transactions Title II insured mortgages made by housing finance agencies and certain... relating to ratios of total monthly debt to total monthly income; (vii) the total points and fees...

  12. 78 FR 10367 - Appraisals for Higher-Priced Mortgage Loans

    Science.gov (United States)

    2013-02-13

    ...- 3667, or Carmen Holly, Supervisory Financial Analyst, Division of Banking Supervision and Regulation... initial mortgage application, with a statement that any appraisal prepared for the mortgage is for the... secured by a mobile home, boat, or trailer; (3) transactions to finance the initial construction of...

  13. Subprime cities: the political economy of mortgage markets

    NARCIS (Netherlands)

    Aalbers, M.B.

    2012-01-01

    The study of mortgage markets has traditionally been the domain of economists. During historic times of turmoil and change, however, social scientists of various stripes are often called upon to shape our understanding of ways mortgage markets function. We are presently experiencing an episode of se

  14. Subprime cities: the political economy of mortgage markets

    NARCIS (Netherlands)

    Aalbers, M.B.

    2012-01-01

    The study of mortgage markets has traditionally been the domain of economists. During historic times of turmoil and change, however, social scientists of various stripes are often called upon to shape our understanding of ways mortgage markets function. We are presently experiencing an episode of

  15. Mortgages and Credit Cycle Divergence in Eurozone Economies

    NARCIS (Netherlands)

    Samarina, Anna; Zhang, Lu; Bezemer, Dirk

    2015-01-01

    The dynamics of household mortgage credit and loans to non-financial busi- ness have diverged significantly in recent decades. In this paper we construct and describe credit cycles for total bank credit, household mortgages and non- financial business loans for 14 EMU economies over 1990–2013. We

  16. 24 CFR 203.500 - Mortgage servicing generally.

    Science.gov (United States)

    2010-04-01

    ... HOUSING AND URBAN DEVELOPMENT MORTGAGE AND LOAN INSURANCE PROGRAMS UNDER NATIONAL HOUSING ACT AND OTHER AUTHORITIES SINGLE FAMILY MORTGAGE INSURANCE Servicing Responsibilities General Requirements § 203.500... for denial of insurance benefits, but failure to comply will be cause for imposition of a civil...

  17. 9 CFR 53.9 - Mortgage against animals or materials.

    Science.gov (United States)

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against animals or materials. 53.9 Section 53.9 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT....9 Mortgage against animals or materials. When animals or materials have been destroyed pursuant...

  18. 9 CFR 55.6 - Mortgage against animals.

    Science.gov (United States)

    2010-01-01

    ... 9 Animals and Animal Products 1 2010-01-01 2010-01-01 false Mortgage against animals. 55.6 Section 55.6 Animals and Animal Products ANIMAL AND PLANT HEALTH INSPECTION SERVICE, DEPARTMENT OF... DISEASE Chronic Wasting Disease Indemnification Program § 55.6 Mortgage against animals. When cervids...

  19. 75 FR 9247 - Single Family Mortgage Insurance Premium, Single Family

    Science.gov (United States)

    2010-03-01

    ... URBAN DEVELOPMENT Single Family Mortgage Insurance Premium, Single Family AGENCY: Office of the Chief... the Single Family Premium Collection Subsystem-Upfront (SFPCS-U) to remit the upfront premium to... manage and process upfront single family mortgage insurance premium collections and corrections to submit...

  20. On Security of Collateral in Danish Mortgage Finance

    DEFF Research Database (Denmark)

    Haldrup, Karin

    2017-01-01

    on the balance principle that assigns risks and responsibility to market players in a self-disciplinary manner and protected the mortgage banks against cash flow mismatches even during deep crisis, as history attests. It is shown how property registers and effective enforcement have created transparent property......Specialized mortgage intermediaries in Denmark have for over two hundred years provided owners and buyers of real property wide access to credit. The present paper sets out to explore the safeguards that nurtured development of a robust, market based financing system and a deep mortgage market....... Observations are made on the nature of collateral performance in respect to property rights, mortgage law and market development in search of general features of required institutional arrangements. The robustness of the Danish mortgage finance system is largely accredited to the securitization model based...

  1. Mortgage Risk and the Yield Curve

    DEFF Research Database (Denmark)

    Malkhozov, Aytek; Mueller, Philippe; Vedolin, Andrea;

    2016-01-01

    that are strongly supported in the data: (1) MBS duration positively predicts nominal and real excess bond returns, especially for longer maturities; (2) the predictive power of MBS duration is transitory in nature; and (3) MBS convexity increases interest rate volatility, and this effect has a hump-shaped term......We study feedback from the risk of outstanding mortgage-backed securities (MBS) on the level and volatility of interest rates. We incorporate supply shocks resulting from changes in MBS duration into a parsimonious equilibrium dynamic term structure model and derive three predictions...

  2. Adverse Selection in China's Home Mortgage Policy

    DEFF Research Database (Denmark)

    Gao, Cixiu

    2016-01-01

    The Chinese home buyers are liquidity constrained with limited access to refinance, dissatisfactory social insurance and high home prices. The government requires all borrowers to make a substantial down payment, normally 20% to 50% of the home price, depending on non-risk-related qualifications....... vulnerable to negative shocks. The model is estimated using individual mortgage data provided by a major commercial bank of southeast China. We then provide forecasts on long-run default probabilities, as well as quantitative evidence for future adverse selection....

  3. 17 CFR 210.12-23 - Mortgage loans on real estate and interest earned on mortgages. 1

    Science.gov (United States)

    2010-04-01

    ... item of mortgage loans on real estate investments has been written down or reserved against pursuant to... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Mortgage loans on real estate... SECURITIES AND EXCHANGE COMMISSION FORM AND CONTENT OF AND REQUIREMENTS FOR FINANCIAL STATEMENTS, SECURITIES...

  4. Prepayment and the Valuation of Danish Mortgage-Backed Bonds

    DEFF Research Database (Denmark)

    Jakobsen, Svend

    Ph.D. thesis on prepayment modelling and valuation of Danish mortgage backed bonds. The thesis discusses several aspects of mortgage backed bonds including after-tax valuation, the special Danish delivery option, rational prepayment behavior, transaction costs and heterogenous borrowers. The thesis...... proposes a so-called required gain model with heterogenous borrowers, who differ with respect to the present value gain required for prepayment. The thesis shows how to perform arbitrage-free valuation of mortgage-backed bonds using a prepayment function estimated from Danish prepayment data. The thesis...

  5. The Effects of Interest Rates on Mortgage Prepayments

    OpenAIRE

    Shoven, John; Green, Jerry

    1986-01-01

    Three main types of mortgages are fixed interest contracts which automatically fall due on the sale of a dwelling, fixed rate loans which are assumable by a buyer, and floating rate instruments. When interest rates rise, the fall in the economic value of these assets in savings and loan associations' portfolios varies from one form of mortgage to another. For either of the fixed interest rate contracts, the cash flow from the mortgage is constant as long as it has not been prepaid. If the int...

  6. Gamma-ray and electrical resistivity measurements in soil with application of carbonatite and agricultural fertilizers in Distrito Federal; Radiacao gama e resistividade eletrica em solo com aplicacao de carbonatito e fertilizantes agricolas no Distrito Federal

    Energy Technology Data Exchange (ETDEWEB)

    Nascimento, Carlos Tadeu Carvalho do; Gaspar, Jose Carlos; Pires, Augusto Cesar Bittencourt, E-mail: carlostadeu@unb.br, E-mail: gasp@unb.br, E-mail: acbpires@unb.br [Instituto de Geociencias, Universidade de Brasilia, DF (Brazil); Ferreira, Francisco Jose Fonseca, E-mail: francisco.ferreira@ufpr.br [Departamento de Geologia, Universidade Federal do Parana, Curitiba, PR (Brazil); Andrade, Leide Rovenia Miranda de, E-mail: leide@cpac.embrapa.br [Empresa Brasileira de Pesquisa Agropecuaria, Centro de Pesquisa Agropecuaria dos Cerrados, Planaltina, DF (Brazil)

    2008-01-15

    EMBRAPA (Empresa Brasileira de Pesquisa Agropecuaria) and Brasilia University developed a research project about the viability of carbonatite rock as agricultural fertilizer. As an initial experiment, several mixtures of carbonatite, limestone, phosphorous and potassium compounds were added as fertilizers in an oxisol area (red-latosol, according with Brazilian System of Soil Classification), in Distrito Federal, central Brazil. The experiment area was divided in 56 plots (4 x 7m) and each plot received a fertilizer mixture. The purpose of this work was to verify if the addition of fertilizer mixture to the soil modified its radiometric and resistivity properties and if it is possible to identify this change. Gamma-ray and electrical resistivity measurements were obtained in an experimental area and in a natural savannah type vegetation area. The results showed that the fertilizer addition modified soil natural properties causing a small increase in K, U, Th levels and decreasing ten times electrical resistivity. A low contrast of radiation was observed between plots, and then it was not possible to differentiate the several treatments in base of gamma-ray measurements. Electrical resistivity was efficient to identify three groups of plots related to mixtures characteristics, respectively with phosphorous, potassium and limestone / carbonatite predominance. (author)

  7. Requirements for intermediaries and advisors in the area of mortgages resulting from Mortgage Credit Directive – implications for Poland

    Directory of Open Access Journals (Sweden)

    Krzysztof Waliszewski

    2015-10-01

    Full Text Available The dynamic development of the mortgage market, especially in the period before the current financial crisis, revealed that within the EU there are local mortgage credit markets and that it is necessary to harmonize the rules of the system and consumer protection within the Community. The intention of the creators of the Mortgage Credit Directive was to organize the mortgage lending market for residential purposes and make it transparent, as well as increase the safety of the consumer credit market, along the lines of what took place earlier in the consumer credit market regulations (The Consumer Credit Directives no. 2008/48/EC and earlier no. 87/102/EEC. The Mortgage Credit Directive implies for lenders - credit institutions to act at every stage of the lending process with respect to the consumer’s interest and to provide them with adequate services for their needs. Due to the large role of indirect distribution channels of mortgages by banks there are certain requirements for intermediaries, brokers and credit advisors. The implementation term of the Directive, appointed for March 2016, implies action to be taken in order to implement the provisions of this Directive into Polish law. The legislative process is being conducted by the Ministry of Finance and supported by the Group on implementation of the Mortgage Credit Directive operating with the Council of Financial Market Development.

  8. The Informal Sector and Mortgage Financing in Ghana

    African Journals Online (AJOL)

    Ghana is experiencing high rates of urbanization, resulting in the increase of .... inflation rates, high interest rates and volatile exchange rates in mortgage ..... International Institute for Environment and Development. Poverty. Reduction Series ...

  9. Determining Energy Use Volatility for Commercial Mortgage Valuation

    Energy Technology Data Exchange (ETDEWEB)

    Mathew, Paul [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Pang, XiuFeng [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Wang, Liping [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States)

    2012-06-01

    Commercial mortgage contracts currently do not fully account for the risks inherent in the level and volatility of energy use in commercial buildings. As a result, energy efficiency is not explicitly included in the valuation process for commercial mortgage underwriting. In particular, there is limited if any consideration of the volatility of energy use and price, which is critical to evaluate the impact of extreme events and default risk. Explicit inclusion of energy use and volatility in commercial mortgage underwriting can send a strong “price signal” that financially rewards and values energy efficiency in commercial properties. This report presents the results of a technical analysis of and a proposed protocol to assess energy use volatility for the purposes of commercial mortgage valuation.

  10. Do Mortgage Loans Respond Perversly to Monetary Policy?

    National Research Council Canada - National Science Library

    Al i Termos; Mohsen Saad

    2016-01-01

    .... Our major finding is that while commercial and industrial (C&I) loans and consumer loans respond to monetary policy asymmetrically according to theoretical predictions, mortgage loans show a reverse asymmetric response...

  11. Secondary mortgage market (SMM): Is it right for financing housing ...

    African Journals Online (AJOL)

    Secondary mortgage market (SMM): Is it right for financing housing in Ghana? ... PROMOTING ACCESS TO AFRICAN RESEARCH ... However, the fast growing capital market of Ghana offers an opportunity for sustainable housing finance in ...

  12. Financial and estimating indicators for assessment of mortgage lending value

    Directory of Open Access Journals (Sweden)

    Antonio Benvenuti

    2013-08-01

    Full Text Available The article proposes a calculation criteria for the determination of the mortgage lending value which originates from the application of the financial method (direct capitalisation, by adopting a capitalisation rate calculated by means of the Debt Coverage Ratio (DCR, taking into consideration the criteria set out by the mortgage lending value, that is (i prudent appreciation of the future marketability, (ii normal and local market conditions, (iii current use and (iv long-term sustainability of the property.

  13. LITIGATIONS, DAMAGES AND SOLUTIONS IN RESIDENTIAL MORTGAGE-BACKED SECURITIES

    OpenAIRE

    Jomadar, Dinesh

    2009-01-01

    Mortgage-backed securities (MBS) are debt obligations whose cash flows are backed by the principal and interest payments of pools of mortgage loans, most commonly on residential property (Riddiough, 2001). Lenders establish underwriting guidelines, evaluate prospective homeowners’ credit, and make loans. Having done so, lenders generally hold only a fraction of the loans they make in their own portfolios. Most are sold to the secondary market, where they are pooled and become the underlying a...

  14. Oversizing of the subprime mortgage market as the main cause of its fall

    Directory of Open Access Journals (Sweden)

    Živkov Dejan

    2012-01-01

    Full Text Available The U.S. subprime mortgage crisis was one of the first indicators of the great financial crisis that escalated in late 2008. The law deregulation and human greed are considered to be the main causes of the crisis. However, some recent analyses have shown one more cause of the mortgage crisis, that seems to be crucial - oversizing of the subprime mortgage market. Due to the fact that the subprime mortgage market depends on the prime mortgage market, in an attempt to provide its stability and sustainable growth, some kind of the ratio between the number of subprime and the prime mortgages must have been taken into the consideration.

  15. 7 CFR 1717.659 - Effect of this subpart on RUS loan contract and mortgage.

    Science.gov (United States)

    2010-01-01

    ... RUS regulations. (c) RUS reserves the right to change the provisions of the RUS mortgage and loan... provision, covenant, or requirement in the RUS mortgage, RUS loan contract, or any other agreement between a...

  16. 75 FR 75693 - Rehabilitation Mortgage Insurance Underwriting Program Section 203(k); Notice of Proposed...

    Science.gov (United States)

    2010-12-06

    ... URBAN DEVELOPMENT Rehabilitation Mortgage Insurance Underwriting Program Section 203(k); Notice of... information: Title of Proposal: Rehabilitation Mortgage Insurance Underwriting Program Section 203(k). OMB... Program Development, Department of Housing and Urban Development, 451 7th Street, SW., Washington,...

  17. 12 CFR 619.9230 - Open-end mortgage loan plans.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Open-end mortgage loan plans. 619.9230 Section 619.9230 Banks and Banking FARM CREDIT ADMINISTRATION FARM CREDIT SYSTEM DEFINITIONS § 619.9230 Open-end mortgage loan plans. A mortgage loan which permits the borrower to obtain additional sums...

  18. 76 FR 40451 - Agency Information Collection (Veterans Mortgage Life Insurance-Change of Address Statement...

    Science.gov (United States)

    2011-07-08

    ... AFFAIRS Agency Information Collection (Veterans Mortgage Life Insurance-- Change of Address Statement.... 2900-0503.'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life Insurance--Change of Address... continued ownership of property issued under Veterans Mortgage Life Insurance when an address change for...

  19. 75 FR 68038 - Agency Information Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB Review

    Science.gov (United States)

    2010-11-04

    ... AFFAIRS Agency Information Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB....'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life Insurance Statement, VA Form 29-8636. OMB Control... complete VA Form 29-8636 to decline Veterans Mortgage Life Insurance (VMLI) or to provide information...

  20. 76 FR 40455 - Agency Information Collection (Veterans Mortgage Life Insurance Inquiry) Activity Under OMB Review

    Science.gov (United States)

    2011-07-08

    ... AFFAIRS Agency Information Collection (Veterans Mortgage Life Insurance Inquiry) Activity Under OMB Review... INFORMATION: Title: Veterans Mortgage Life Insurance Inquiry, VA Form 29-0543. OMB Control Number: 2900-0501... insured under Veterans Mortgage Life Insurance (VMLI) completes VA Form 29-0543 to report any...

  1. 75 FR 68040 - Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment...

    Science.gov (United States)

    2010-11-04

    ... AFFAIRS Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment... solicits comments for information needed to decline Veterans Mortgage Life Insurance. DATES: Written...: Veterans Mortgage Life Insurance Statement, VA Form 29-8636. OMB Control Number: 2900-0212. Type of...

  2. 78 FR 58611 - Agency Information Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB Review

    Science.gov (United States)

    2013-09-24

    ... AFFAIRS Agency Information Collection (Veterans Mortgage Life Insurance Statement) Activity Under OMB... ``OMB Control No. 2900-0212.'' SUPPLEMENTARY INFORMATION: Title: Veterans Mortgage Life Insurance... collection. Abstract: Veterans complete VA Form 29-8636 to decline Veterans Mortgage Life Insurance (VMLI)...

  3. 75 FR 52065 - Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment...

    Science.gov (United States)

    2010-08-24

    ... AFFAIRS Proposed Information Collection (Veterans Mortgage Life Insurance Statement) Activity: Comment... solicits comments for information needed to decline Veterans Mortgage Life Insurance. DATES: Written...: Veterans Mortgage Life Insurance Statement, VA Form 29-8636. OMB Control Number: 2900-0212. Type of...

  4. 75 FR 60352 - Notice of Proposed Rulemaking: Mortgage Acts and Practices - Advertising Rule

    Science.gov (United States)

    2010-09-30

    ..., mortgage broker, or others. Marketers and advertisers widely disseminate mortgage advertisements to... advertisement discloses the rates or payments that will apply over the full term of the advertised loan; (3... CFR Part 321 Notice of Proposed Rulemaking: Mortgage Acts and Practices - Advertising Rule...

  5. 17 CFR 210.12-29 - Mortgage loans on real estate. 1

    Science.gov (United States)

    2010-04-01

    ... 17 Commodity and Securities Exchanges 2 2010-04-01 2010-04-01 false Mortgage loans on real estate... § 210.12-29 Mortgage loans on real estate. 1 Column A—Description 2,3,4 Column B—Interest rate Column C... mortgage loans on real estate investments has been written down or reserved against, describe the item and...

  6. 77 FR 74022 - Notice of Proposed Information Collection: Comment Request; Ginnie Mae Mortgage-Backed Securities...

    Science.gov (United States)

    2012-12-12

    ... Mortgage-Backed Securities Guide 5500.3, Revision 1 (``Guide'') provides instructions and guidance to participants in the Ginnie Mae Mortgage-Backed Securities (``MBS'') programs (``Ginnie Mae I and Ginnie Mae II...: Ginnie Mae Mortgage-Backed Securities Guide 5500.3, Revision 1 (Forms and Electronic Data Submissions...

  7. 77 FR 37697 - Notice of Proposed Information Collection: Comment Request; Ginnie Mae Mortgage-Backed Securities...

    Science.gov (United States)

    2012-06-22

    ... in the Ginnie Mae Mortgage-Backed Securities (``MBS'') programs (``Ginnie Mae I and Ginnie Mae II... Mortgage- Backed Securities Issuer. 11702 I-2 Resolution of Board 210 1 210 0.08 16.8 of Directors and... URBAN DEVELOPMENT Notice of Proposed Information Collection: Comment Request; Ginnie Mae Mortgage-Backed...

  8. 76 FR 53937 - Order of Succession for Government National Mortgage Association (GNMA)

    Science.gov (United States)

    2011-08-30

    ...) Senior Vice President, Office of Mortgage Backed Securities; (5) Senior Vice President, Office of Capital... URBAN DEVELOPMENT Order of Succession for Government National Mortgage Association (GNMA) AGENCY: Office of the President of the Government National Mortgage Association, HUD. ACTION: Notice of Order of...

  9. 75 FR 12773 - Notice of Proposed Information Collection: Comment Request Ginnie Mae Mortgage-Backed Securities...

    Science.gov (United States)

    2010-03-17

    ...: Ginnie Mae Mortgage-Backed Securities Guide 5500.3, Revision 1 (Forms and Electronic Data Submissions... use: Ginnie Mae's Mortgage-Backed Securities Guide 5500.3, Revision 1 (``Guide'') provides instructions and guidance to participants in the Ginnie Mae ] Mortgage-Backed Securities (``MBS'') programs...

  10. 76 FR 31624 - Notice of Proposed Information Collection: Comment Request; Ginnie Mae Mortgage-Backed Securities...

    Science.gov (United States)

    2011-06-01

    ...: Ginnie Mae Mortgage-Backed Securities Guide 5500.3, Revision 1 (Forms and Electronic Data Submissions... use: Ginnie Mae's Mortgage-Backed Securities Guide 5500.3, Revision 1 (``Guide'') provides instructions and guidance to participants in the Ginnie Mae Mortgage-Backed Securities (``MBS'') programs...

  11. 76 FR 53931 - Consolidated Redelegation of Authority for the Government National Mortgage Association

    Science.gov (United States)

    2011-08-30

    ... functions. 1. The Senior Vice President of the Office of Mortgage-Backed Securities is hereby delegated to handle matters related to the Mortgage-Backed Securities Program, which includes but is not limited to... applications used to administer the GNMA mortgage-backed securities program. b. To approve a refund to the...

  12. 24 CFR 207.259a - Waiver of title objection; mortgages formerly Commissioner-held.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Waiver of title objection; mortgages formerly Commissioner-held. 207.259a Section 207.259a Housing and Urban Development Regulations... title objection; mortgages formerly Commissioner-held. If the Commissioner sells a mortgage and...

  13. Danish Mortgage Finance, Property Rights Protection and Economic Development

    DEFF Research Database (Denmark)

    Haldrup, Karin

    The Danish mortgage finance system is attracting much international attention due to its simple, robust and efficient securitization principle, the balance principle. Housing finance experts consider how the model can be introduced in other countries to overcome shortcomings in previous mortgage...... systems (e.g., in the US) or to alleviate the gigantic unmet needs for housing finance around the world. In support of such efforts the research challenge was the development of a methodology for screening of readiness for transplanting this financing system to other countries. However, the development...... of screening methods for assessing the readiness for such transplantation depends on a deeper understanding of three large domains: A) Mortgage Finance, B) Cadastre and Land Registration; and C) Economic Development; and the interrelations between these three areas. In particular the thesis has focused...

  14. Energy Factors in Commercial Mortgages: Gaps and Opportunities

    Energy Technology Data Exchange (ETDEWEB)

    Mathew, Paul [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Coleman, Philip [Lawrence Berkeley National Lab. (LBNL), Berkeley, CA (United States); Wallace, Nancy [Univ. of California, Berkeley, CA (United States); Issler, Paulo [Univ. of California, Berkeley, CA (United States); Kolstad, Lenny [Inst. for Market Transformation, Washington, DC (United States); Sahadi, Robert [Inst. for Market Transformation, Washington, DC (United States)

    2016-09-01

    The commercial real estate mortgage market is enormous, with almost half a trillion dollars in deals originated in 2015. Relative to other energy efficiency financing mechanisms, very little attention has been paid to the potential of commercial mortgages as a channel for promoting energy efficiency investments. The valuation and underwriting elements of the business are largely driven by the “net operating income” (NOI) metric – essentially, rents minus expenses. While NOI ostensibly includes all expenses, energy factors are in several ways given short shrift in the underwriting process. This is particularly interesting when juxtaposed upon a not insignificant body of research revealing that there are in fact tangible benefits (such as higher valuations and lower vacancy and default rates) for energy-efficient and “green” commercial buildings. This scoping report characterizes the current status and potential interventions to promote greater inclusion of energy factors in the commercial mortgage process.

  15. Danish Mortgage Finance, Property Rights Protection and Economic Development

    DEFF Research Database (Denmark)

    Haldrup, Karin

    The Danish mortgage finance system is attracting much international attention due to its simple, robust and efficient securitization principle, the balance principle. Housing finance experts consider how the model can be introduced in other countries to overcome shortcomings in previous mortgage...... systems (e.g., in the US) or to alleviate the gigantic unmet needs for housing finance around the world. In support of such efforts the research challenge was the development of a methodology for screening of readiness for transplanting this financing system to other countries. However, the development...... of screening methods for assessing the readiness for such transplantation depends on a deeper understanding of three large domains: A) Mortgage Finance, B) Cadastre and Land Registration; and C) Economic Development; and the interrelations between these three areas. In particular the thesis has focused...

  16. On the Effect of Mortgages of Maximum Amount

    Institute of Scientific and Technical Information of China (English)

    YangZongping

    2005-01-01

    Since the enactment of the PRC Guarantee Law, mortgages of maximum amount has won wide application in a variety of business occupations and particularly in banking. Compared with the rich content of the 21clause statute on mortgages of maximum amount in Japan's Civil Law, the Chinese law has only four principled clauses. Its lack of operability plus its legislative gaps and defects has a severe impact on the positive effectiveness of the law. The core issue is the question of effectiveness. Because the principles stipulated in the Law run counter to the diversity of its actual practices,

  17. Liquidity Constraints and the Centralized Home Mortgage Policy in China

    DEFF Research Database (Denmark)

    Gao, Cixiu

    2017-01-01

    This paper investigates China's centralized mortgage policy in general, and evaluates the policy change in 2011: the minimum down payment was dramatically raised to 60% of the home price. Using our previously developed structural model, we recover the unobserved liquidity wealth levels of individ......This paper investigates China's centralized mortgage policy in general, and evaluates the policy change in 2011: the minimum down payment was dramatically raised to 60% of the home price. Using our previously developed structural model, we recover the unobserved liquidity wealth levels...

  18. 78 FR 37101 - Rules of Practice and Procedure: Enterprise and Federal Home Loan Bank Housing Goals Related...

    Science.gov (United States)

    2013-06-20

    ... the Federal Home Loan Banks (Banks) for failure to submit or follow a housing plan or failure of an... Federal Home Loan Bank Act (Bank Act), as amended by HERA (12 U.S.C. 1430c(a)), requires the Director of... practice and procedure, Federal home loan banks, Mortgages, Reporting and recordkeeping...

  19. Organization of internal audit mortgage transactions in subjects of its implementation

    Directory of Open Access Journals (Sweden)

    I.M. Vygivska

    2016-12-01

    Full Text Available The article determines that the system of internal audit provides management personnel with reliable information for effective management of borrowed funds on the security (in a mortgagor and financial activities of a mortgagee. The article deals with the organizational aspects of internal audit mortgage transactions (the loans payable to the mortgagor, the accounts receivable of the mortgagee, the subjects of mortgage. The study develops the organizational approach to the sequence of internal audit mortgage transactions in subjects of its implementation; the audit involves the selection of the following stages: before and at the moment of the mortgage contract making, in the performance of its conditions and after the completion of the contract. It is recommended to carry out the inventory of mortgage subjects (by its types in the internal audit for the current control of the state, the number of mortgage subjects, their compliance to the mortgage agreements, identification of drawbacks and subsequent correction of accounting data.

  20. The financialization of home and the mortgage market crisis

    NARCIS (Netherlands)

    Aalbers, M.B.

    2008-01-01

    Financialization can be characterized as capital switching from the primary, secondary or tertiary circuit to the quaternary circuit of capital. Housing is a central aspect of financialization. The financialization of mortgage markets demands that not just homes but also homeowners become viewed as

  1. 12 CFR 615.5141 - Stress tests for mortgage securities.

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 6 2010-01-01 2010-01-01 false Stress tests for mortgage securities. 615.5141... stress test. You must perform stress tests to determine how interest rate changes will affect the... and earnings. You may conduct the stress tests as described in either paragraph (a) or (b) of...

  2. The financialization of home and the mortgage market crisis

    NARCIS (Netherlands)

    Aalbers, M.B.

    2008-01-01

    Financialization can be characterized as capital switching from the primary, secondary or tertiary circuit to the quaternary circuit of capital. Housing is a central aspect of financialization. The financialization of mortgage markets demands that not just homes but also homeowners become viewed as

  3. THE ROLE OF MORTGAGE CREDIT IN ENSURING ECONOMIC GROWTH

    Directory of Open Access Journals (Sweden)

    Z. L. Garipova

    2014-04-01

    Full Text Available The decision of the important social task - ensuring the availability of housing for the mass of the population of the country, on the one hand, allowed to launch investment, savings, financial and credit mechanisms for ensuring economic growth of the Russian economy on the other. Despite the high degree of sophistication in the scientific literature of the organization of mortgage lending system, a study of its impact on economic growth factors in the scientific literature clearly insufficient. The original article was the theory of economic growth, which allowed on the basis of research of interaction of demand for residential property, it deals with the housing mortgage credit to justify a conclusion about its importance not only for solution of social tasks, availability of housing, but also a significant impact on the demand and supply on the residential property market. Based on the analysis of statistical data for the period from 2006 to 2012, and their correlation analysis carried out research of factors of development of housing markets and mortgage lending, namely incomes, housing prices, interest rates on loans, «channel lending conditions, the terms of banking mortgage.Purchase on Elibrary.ru > Buy now

  4. Mortgage Loan Portfolio Optimization Using Multi-Stage Stochastic Programming

    DEFF Research Database (Denmark)

    Rasmussen, Kourosh Marjani; Clausen, Jens

    2007-01-01

    reduction and LP relaxation are used to obtain near optimal solutions for large problem instances. Our results show that the standard Danish mortgagor should hold a more diversified portfolio of mortgage loans, and that he should rebalance the portfolio more frequently than current practice....

  5. 24 CFR 401.461 - HUD-held second mortgage.

    Science.gov (United States)

    2010-04-01

    ... net cash flow, trending assumptions, amortization provisions, and expected residual value of the...)(i) Principal and interest on the second mortgage is payable only out of net cash flow during its term. “Net cash flow” means that portion of project income that remains after the payment of...

  6. Mortgage backed securities and implications for overreliance on ratings

    NARCIS (Netherlands)

    Fabozzi, F.; Vink, D.

    2012-01-01

    The authors investigate the pricing of U.K. residential mortgage-backed securities primary issues in the years prior to the credit crisis. They find that investors did not rely excessively on credit ratings but that the investors’ interpretations of their proprietary research were sometimes amiss.

  7. 12 CFR 226.33 - Requirements for reverse mortgages.

    Science.gov (United States)

    2010-01-01

    ... transaction means a nonrecourse consumer credit obligation in which: (1) A mortgage, deed of trust, or equivalent consensual security interest securing one or more advances is created in the consumer's principal... in the case of default) only after: (i) The consumer dies; (ii) The dwelling is transferred; or...

  8. 77 FR 70105 - Delayed Implementation of Certain New Mortgage Disclosures

    Science.gov (United States)

    2012-11-23

    ... Street Reform and Consumer Protection Act that would otherwise take effect on January 21, 2013. Instead, to avoid potential consumer confusion and reduce compliance burden for industry, the Bureau plans to... a mortgage loan under the Truth in Lending Act and the Real Estate Settlement Procedures...

  9. 78 FR 63379 - Registration of Mortgage Loan Originators; Effective Date

    Science.gov (United States)

    2013-10-24

    ... 12 CFR Part 610 RIN 3052-AC78 Registration of Mortgage Loan Originators; Effective Date AGENCY: Farm Credit Administration. ACTION: Notice of effective date. SUMMARY: The Farm Credit Administration (FCA... interim rule, and we now adopt it as final. In accordance with the law, the effective date of the rule...

  10. A large-dimensional factor analysis of the Federal Reserve's large-scale asset purchases

    DEFF Research Database (Denmark)

    Bork, Lasse

    . In particular, an unconventional expansionary monetary policy shock is identified as a shock that increases the Federal Reserve's market share of US treasuries and mortgage-backed securities, and leads to an improvement in the real economy and improved credit conditions. I find that an unconventional monetary...... securities by the Federal Reserve Bank avoided a severe downturn according to estimates from a counterfactual analysis....

  11. 75 FR 23582 - Federal Housing Administration: Continuation of FHA Reform-Strengthening Risk Management Through...

    Science.gov (United States)

    2010-05-04

    ... URBAN DEVELOPMENT 24 CFR Part 202 RIN 2502-AI81 Federal Housing Administration: Continuation of FHA Reform-- Strengthening Risk Management Through Responsible FHA-Approved Lenders; Correction AGENCY... pertaining to the approval of mortgage lenders by the Federal Housing Administration (FHA) that are...

  12. Danish Mortgage Finance, Property Rights Protection and Economic Development

    DEFF Research Database (Denmark)

    Haldrup, Karin

    of screening methods for assessing the readiness for such transplantation depends on a deeper understanding of three large domains: A) Mortgage Finance, B) Cadastre and Land Registration; and C) Economic Development; and the interrelations between these three areas. In particular the thesis has focused...... on the requirements of infrastructure in respect to protecting ‘security of collateral’, and on international monitoring systems providing information on the status of what cadaster, real property registration and other functions of importance for securing collateral and for valuation of properties. In the absence...... of data on the status of land registration (and of reliable ratings of protection of property rights), it was found that macro-economic indicators could serve as indicators of readiness. Findings included propositions on prerequisites for readiness of mortgage finance development and proposals concerning...

  13. Option-based valuation of mortgage-backed securities

    Directory of Open Access Journals (Sweden)

    Manola Ana

    2010-01-01

    Full Text Available Pure econometric approaches to pricing mortgage-backed securities (MBSs - principal pricing vehicles used by financial practitioners - fail to capture their true risks. This point was powerfully driven home by the global financial crisis. Since prior to the crisis default rates of MBSs were quite modest, econometric pricing models systematically underestimated the possibility of default. As a result, MBSs were severely overvalued. It is widely believed that the global crisis was largely triggered by incorrect valuation of mortgage-backed securities. In the aftermath, it is important to revisit the foundations for pricing MBSs and to pay much closer attention to default risk. This paper introduces a comprehensive model for valuation of fixed-rate pass-through mortgagebacked securities in a simple option-based framework. In the model, we use bivariate binomial tree approach to simultaneously model prepayment and default options. Our simulation results demonstrate that the proposed model has sufficient flexibility to capture the two principal risks.

  14. Reverse Mortgage Participation in the United States: Evidence from a National Study

    Directory of Open Access Journals (Sweden)

    Swarn Chatterjee

    2016-03-01

    Full Text Available This paper uses the most recent wave of a nationally representative dataset to examine the factors associated with elderly homeowners’ decision to obtain reverse mortgage loans. The findings of this study suggest that very few homeowners participated in the reverse mortgage market, and homeowners younger than 67 were less likely to have reverse mortgage loans. However, homeowners who were risk averse, and homeowners in the two highest quartiles of net worth were more likely to have reverse mortgage loans. Further analyses reveal that among the reverse mortgage participants, homeowners with long-term care insurance coverage were less likely to have reverse mortgage loans. Implications for financial economists, financial planners, policy-makers, and scholars of retirement economics are included.

  15. A large-dimensional factor analysis of the Federal Reserve's large-scale asset purchases

    DEFF Research Database (Denmark)

    Bork, Lasse

    . In particular, an unconventional expansionary monetary policy shock is identified as a shock that increases the Federal Reserve's market share of US treasuries and mortgage-backed securities, and leads to an improvement in the real economy and improved credit conditions. I find that an unconventional monetary...... policy shock significantly drives down the long-term interest rate spread and the credit spread, and improves both the financial market conditions and the commercial and industrial loans activity. Moreover, the impact on the real economy is significant. The roughly 2 trillion purchases of mortgage backed...... securities by the Federal Reserve Bank avoided a severe downturn according to estimates from a counterfactual analysis....

  16. Longevity risk securitization of housing reverse mortgages in future China

    OpenAIRE

    2015-01-01

    China has gradually stepped into an aging society, and the living quality of the aged has been declining substantially due to the insufficient cash flow. The longevity risk is accelerated correspondingly. In this paper, housing reverse mortgage longevity risk securitization is introduced, and empirical analysis is conducted with the survivor bonds as the case. According to the longevity risk bond model, a sensitivity test is carried out on the survivor bonds by acknowledging the impact of mor...

  17. Analysis of Yield Spreads on Commercial Mortgage-Backed Securities

    OpenAIRE

    Brian A. Maris; William Segal

    2002-01-01

    Yield spreads on commercial mortgage-backed securities (CMBS) are defined as the difference between the yield on CMBS and the yield on comparable-maturity Treasuries. CMBS yield spreads declined dramatically from 1992 until 1997, then increased in 1998 and 1999. The relationship between CMBS yield spreads and other variables is estimated in an effort to explain recent trends. Results identify several variables that are related to yield spreads on both fixed-rate and variable-rate CMBS. Howeve...

  18. Agricultural Productivity and Farm Financing

    Science.gov (United States)

    Wright, F. Vernon

    1975-01-01

    The author, president of the Federal Intermediate Credit Bank of New Orleans, in remarks to the first general session of the Agricultural Education Division of the American Vocational Association, paints a bright picture of agricultural productivity, financial challenge, and agricultural commitment in the mid-South. (Author/EA)

  19. Mortgage development in Serbia, specialty in Serbian Civil Code from 1844. year

    Directory of Open Access Journals (Sweden)

    Popov Danica

    2012-01-01

    Full Text Available The history of Serbian mortgage law is not too long. The mortgage law began in first half of XIX century. The first Act about mortgage was The Intabulation Law from 1839. year. Mortgage is a right of lien on an immovable which authorizes the creditor to seek satisfaction of his claim for the value of such immovable before of other creditors that do not have mortgage on it, as well as before creditors who have acquired mortgage on such immovable subsequent on him, irrespective of a contingent change of owner of the encumbered immovable. The mortgage was based on some rules. The mortgage is accessory rights. One of the basic features of a security right is its dependence on the claim. The mortgage creditor is entitled to request satisfaction of the claim from the value of immovable encumbered by mortgage, regardless of whether it is still in possession of the mortgage debitor or it has been convened into ownership of a third party. This The Intabulation Law is changed twice. For the first time in 1842 year, and second time in 1853. year. The lack of both changes was missing the principle of speciality. Principle of speciality marks the fact that a guarantee (security, may secure only a definite claim of one creditor and that the guarantee may exist only on a definite set of objects (assets. On one hand speciality of real security interest forbids securing an indefinite number of claims or an indefinite amount of claim, and, on the other, forbids the prospect of indefinite assets, or all assets of the debitor be subject of to such a security interest. This lack are eliminate in the new Intabulation Law from 1854. year, which was incorporated into Serbian Civil Code from 1844. year. The subject of this article is The Intabulation Law from 1854. year.

  20. Financial literacy, risk aversion and choice of mortgage type by households

    NARCIS (Netherlands)

    Cox, R.; Brounen, Dirk; Neuteboom, P.

    2015-01-01

    This paper analyzes how financial literacy and reported willingness to take financial risk impact a household’s choice of mortgage type. The results show that households reporting higher financial literacy and lower risk aversion are 55 to 97 % more likely to opt for interest-only mortgages. The

  1. Does Homeownership Counseling Affect the Prepayment and Default Behavior of Affordable Mortgage Borrowers?

    Science.gov (United States)

    Quercia, Roberto; Spader, Jonathan

    2008-01-01

    The lack of industry wide data on homeownership education and counseling (HEC) programs has severely limited evaluation. In particular, very little evidence exists on the relationship between HEC completion and loan prepayment, an outcome of interest to both mortgage lenders and consumer advocates. Where mortgage prepayment directly influences the…

  2. High mortgage rates in the Low Countries: what happened in the Spring of 2009?

    NARCIS (Netherlands)

    Dijkstra, M.A.; Randag, F.; Schinkel, M.P.

    2014-01-01

    Since the Spring of 2009, Dutch mortgage rates have been structurally high, both in comparison to the rest of Europe and to funding costs. This paper reviews the debate on possible causes, which are of two kinds: (i) the higher mortgage rates reflect higher funding costs; and (ii) softer competition

  3. MORTGAGE MARKET AS A MEAN OF ACHIEVING THE STATE FINANCIAL POLICIES OBJECTIVE

    Directory of Open Access Journals (Sweden)

    N. Romaniuk

    2013-07-01

    Full Text Available The article discusses ways to ensure the implementation of financial policies of the state through the mortgage market: capital accumulation, expansion of house construction, providing social development. It is analyzed main advantages and disadvantages of foreign models of the mortgage market and the role of the state in them.

  4. High mortgage rates in the Low Countries: what happened in the spring of 2009?

    NARCIS (Netherlands)

    Dijkstra, M.A.; Randag, F.; Schinkel, M.P.

    2014-01-01

    Since the spring of 2009, Dutch mortgage rates have been structurally high, both in comparison to the rest of Europe and to funding costs. This article reviews the debate on possible causes, which are of two types: (1) the higher mortgage rates reflect higher funding costs, and (2) softer

  5. Dutch mortgage arrears and the role of the global financial crisis

    NARCIS (Netherlands)

    Teye, A.L.; De Haan, J.; Elsinga, M.

    2015-01-01

    As in many countries, the Dutch housing market was severely hit by the recent financial crisis. Following the recession, the average house price in the Netherlands fell by almost 25% and the proportion of homeowners with mortgage payment arrears nearly doubled. In this paper, we study mortgage

  6. 24 CFR 235.331 - Increased maximum mortgage amount for physically handicapped persons.

    Science.gov (United States)

    2010-04-01

    ... for physically handicapped persons. 235.331 Section 235.331 Housing and Urban Development Regulations... maximum mortgage amount for physically handicapped persons. If the mortgage relates to a dwelling unit to be occupied by a handicapped person as defined in § 235.5(c)(2), the otherwise applicable...

  7. 'Cognitive closure' in the Netherlands: mortgage securitization in a hybrid European political economy

    NARCIS (Netherlands)

    Aalbers, M.B.; Engelen, E.; Glasmacher, A.

    2011-01-01

    There is a strong case that mortgage-backed securities were at the root of the 2007 - 09 financial crisis. Even though geographers have convincingly demonstrated that loan origination is strongly locally rooted and that the fallout from the subprime mortgage crisis clearly had spatially

  8. Obstacles to the Mortgage Financing of Forest Rights and its Countermeasures

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    Current status of the mortgage financing of forest rights is introduced.Significance of the development of mortgage financing of rural forest rights is analyzed,indicating that the mortgage financing of rural forest rights is an inevitable trend of rural reform development,Mortgage financing of forest rights in rural China is an effective vector for the farmers’ income increase project with financial support,explores the great potential of forest resources,promotes the coordinated development of forestry and financial services.Major obstacles for the mortgage financing of forest rights at present is pointed out,which are the high assessment fees,the complex mortgage valuation,the unsound element market of forestry,and the lack of risk protection mechanism.Countermeasures for the development of mortgage financing of forest rights is out forward.For instance,both government and Forestry Bureau should strengthen the circulation services,establish smooth evaluation mechanism,establish companies for rural assets platform,increase the interest subsidies for forest right mortgage and the risk compensation,strengthen the team construction and improve the service system.

  9. Extra-Margins in ACM's Adjusted NMa ‘Mortgage-Rate-Calculation Method

    NARCIS (Netherlands)

    Dijkstra, M.; Schinkel, M.P.

    2013-01-01

    We analyse the development since 2004 of our concept of extra-margins on Dutch mortgages (Dijkstra & Schinkel, 2012), based on funding cost estimations in ACM (2013), which are an update of those in NMa (2011). Neither costs related to increased mortgage-specific risks, nor the inclusion of Basel II

  10. 77 FR 65396 - Notice of Submission of Proposed Information Collection to OMB: Home Mortgage Disclosure Act...

    Science.gov (United States)

    2012-10-26

    ...) Enhance the quality, utility, and clarity of the information to be collected; and (4) Minimize the burden... collects information from mortgage lenders on application for, and originations and purchases of, mortgage... URBAN DEVELOPMENT Notice of Submission of Proposed Information Collection to OMB: Home...

  11. 24 CFR 203.33 - Relationship of income to mortgage payments.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Relationship of income to mortgage... Mortgagors § 203.33 Relationship of income to mortgage payments. (a) Adequacy of mortgagor's gross income. A mortgagor must establish, to the satisfaction of the Secretary, that his or her gross income is and will...

  12. 24 CFR 203.420 - Nature of Mutual Mortgage Insurance Fund.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Nature of Mutual Mortgage Insurance Fund. 203.420 Section 203.420 Housing and Urban Development Regulations Relating to Housing and Urban... and Distributive Shares § 203.420 Nature of Mutual Mortgage Insurance Fund. The Mutual...

  13. Produção e potencial agrícolas de alimentos destinados à alimentação escolar em Goiás e no Distrito Federal, na Região Centro-Oeste do Brasil Agricultural production and potential and foods intended for schools in Goiás and Distrito Federal, located in the Midwest Region of Brazil

    Directory of Open Access Journals (Sweden)

    Estelamaris Tronco Monego

    2013-04-01

    Full Text Available OBJETIVO: Caracterizar a produção e o potencial produtivo de hortaliças, frutas e frutos nativos do Cerrado, em Goiás e no Distrito Federal, com vistas à sua inserção na alimentação escolar, conforme a Lei Federal nº 11.947/2009. MÉTODOS: Foi realizado estudo quantitativo descritivo durante 2009, em cinco mesorregiões de Goiás e no Distrito Federal. Para produção agrícola, consideraram-se dados do Instituto Brasileiro de Geografia e Estatística e estimativas de produção de 2003-2007. Obteve-se o potencial agrícola a partir da temperatura média anual por mesorregião e faixas de temperaturas ótimas por cultura. Os alimentos selecionados foram classificados em escala de produção (menor, média ou alta e potencial agrícola (ótimo, médio ou baixo. RESULTADOS: Foi observado que a produção de frutas e hortaliças concentrou-se no Centro, Leste e Sul do Estado, enquanto o Noroeste e Norte apresentaram menor aproveitamento produtivo. As culturas mais exploradas foram limão, alface, manga, banana e caju. O Distrito Federal teve menor aproveitamento do potencial produtivo em relação a três mesorregiões de Goiás (sem corrigir o índice para área real cultivada. Identificou-se a carência de dados oficiais sobre os frutos do Cerrado. CONCLUSÃO: O estudo mostrou as diferenças regionais quanto à produção de alimentos viáveis à alimentação escolar e também destacou o potencial produtivo a ser alcançado, considerando o desenvolvimento sustentável.OBJECTIVE: This study investigated the production and production potential of vegetables, fruits and native Cerrado fruits in Goiás and Distrito Federal, for their inclusion in the school menu as determined by the Law 11.947/2009. METHODS: A descriptive, quantitative study was done in 2009 in five mesoregions of Goiás and in Distrito Federal. The agricultural production was determined using data from the Brazilian Institute of Geography and Statistics and production

  14. 75 FR 44804 - Privacy Act of 1974; Notice of a New Privacy Act System of Records (SORN), Ginnie Mae Mortgage...

    Science.gov (United States)

    2010-07-29

    ... Mortgage-Backed Securities Unclaimed Funds System AGENCY: Office of the Chief Information Officer, HUD... mortgage-backed securities who cannot be located by the Ginnie Mae servicer. Ginnie Mae tracks this..., notice is given of a new system or records, Ginnie Mae Mortgage-Backed Security Unclaimed Funds System...

  15. 76 FR 51048 - Notice of Submission of Proposed Information Collection to OMB Ginnie Mae Mortgage-Backed...

    Science.gov (United States)

    2011-08-17

    ... participation of issuers/customers in its Mortgage-Backed Securities programs and to monitor performance and... following information: Title of Proposal: Ginnie Mae Mortgage-Backed Securities Programs. OMB Approval... Ginnie Mae for the participation of issuers/customers in its Mortgage-Backed Securities programs and to...

  16. 75 FR 58421 - Notice of Submission of Proposed Information Collection to OMB Ginnie Mae Mortgage-Backed...

    Science.gov (United States)

    2010-09-24

    .../customers that participate in its Mortgage-Backed Securities programs to monitor performance and compliance...: Title of proposal: Ginnie Mae Mortgage-Backed Securities Programs. OMB approval number: 2503-0033. Form.../customers that participate in its Mortgage-Backed Securities programs to monitor performance and compliance...

  17. Ameliorating Local Impacts with Architectural Research: Subprime Mortgages & Housing Quality

    Directory of Open Access Journals (Sweden)

    Lynne M. Dearborn

    2012-10-01

    Full Text Available Shock waves from the current housing crisis that still echo through Wall Street’s largest financial firms, not only have threatened to topple financial markets and drive the country into a depression, but have also undermined the all-time high home ownership rate in the United States. The most attention-grabbing dimensions and headlines of the current crisis seem to be the staggering losses incurred by the likes of Bear Sterns and Citigroup, and the demise of some of the large corporations such as Washington Mutual. However, the real crisis is not on Wall Street or in the banking sector, but in low- and moderate-income and minority homes and neighborhoods throughout the country. At least ten years before the present subprime foreclosure crisis became mainstream news, these marginalized communities were feeling the negative effects of mortgage fraud and predatory lending practices occurring with regularity in the subprime market. This paper discusses an ongoing study of Subprime Lending, Mortgage Fraud and Housing Quality in process since 2002. This four-part study has employed foreclosure data with statistical and mapping analysis, detailed interviews with victims of predatory lending, systematic documentation of the resulting housing environments, and documentation of property improvements in light of victims’ legal settlements. While subprime lending has supported the expansion of homeownership in the United States, this on-going study suggests that this expansion has sometimes been at the expense of safe, code-compliant living environments forlow-income, minority and elderly homeowners. Some of the victims of predatory lending and mortgage fraud have sought legal redress through the courts but many have suffered personal financial, health, emotional, and family crises as well. The current broad-scale discussion of the topic has given attention to the lack of regulation facilitating these unethical practices, but it is unclear that current

  18. Is the Incidence of the Monetary Policy on the Mortgage Market Possible?

    Directory of Open Access Journals (Sweden)

    Teodora Barbu

    2009-03-01

    Full Text Available The article sets out to approach mortgage markets and their impact on the financial structure and on the financial stability. The synthesizing of studies done lead to the conclusion that the institutional characteristics of the mortgage market influence the monetary policy shocks on the prices of housing and consumption. In developed countries, transmission of such shocks is stronger because of mortgage markets mature and flexible. Regarding this aspect, there are significant divergences in the structure of the mortgage market between the main industrialized countries. Also, the reaction of central banks to the speculative bubbles on the mortgage markets is extremely reduced, thus formulating a series of interrogations related to the lack of concern of monetary authorities regarding the price of real assets.

  19. Maverick Firms: An Exploratory Analysis of Mortgage Providers in Australia

    OpenAIRE

    Robert Breunig; Flavio Menezes

    2007-01-01

    This paper develops an empirical strategy to measure maverick-like behaviour. It applies the strategy to a dataset that contains interest rates charged by mortgage providers in Australia from January 2003 to October 2006. The Reserve Bank of Australia raised its cash rate five times in this period, which provides a natural setting to observe suppliers� responses. We examine suppliers� behaviour both in terms of the rates they charge and the time it takes them to change their rates as a re...

  20. 77 FR 22577 - Federal Open Market Committee; Domestic Policy Directive of March 13, 2012

    Science.gov (United States)

    2012-04-16

    ... Bulletin and in the Board's Annual Report. The Federal Open Market Committee seeks monetary and financial... securities into new issues and of reinvesting principal payments on all agency debt and agency mortgage... Committee informed of ongoing developments regarding the System's balance sheet that could affect the...

  1. Department of Biological Sciences, Federal

    African Journals Online (AJOL)

    USER

    2015-05-07

    May 7, 2015 ... Department of Biological Sciences, Federal University of Agriculture, Abeokuta, Nigeria ... concentrations in the parent soil under Gmelina plantation were significantly higher (p 0.05) ... In spite of the many benefits that.

  2. Federal Holidays

    Data.gov (United States)

    Office of Personnel Management — Federal law (5 U.S.C. 6103) establishes the following public holidays for Federal employees. Please note that most Federal employees work on a Monday through Friday...

  3. On the effectiveness of the Federal Reserve's new liquidity facilities

    OpenAIRE

    Tao Wu

    2008-01-01

    This paper examines the effectiveness of the new liquidity facilities that the Federal Reserve established in response to the recent financial crisis. I develop a no-arbitrage based affine term structure model with default risk and conduct a thorough factor analysis of the counterparty default risk among major financial institutions and the underlying mortgage default risk. The new facilities' effectiveness is examined, by first separately examining their effects in relieving financial instit...

  4. Climbing the "Agricultural Ladder": Social Mobility and Motivations for Migration in an Ecuadorian Colonist Community

    Science.gov (United States)

    Bates, Diane C.; Rudel, Thomas K.

    2004-01-01

    During the early decades of the 20th century in the American Midwest young farming families achieved social mobility by moving up an 'agricultural ladder' through a series of rungs, from unpaid family work, to wage labor, to tenant farming, to a mortgaged farm, and, finally, to full ownership of a farm. In this paper we use the concept of an…

  5. Rural Financial Innovation in China Viewed from Subprime Mortgage Crisis

    Institute of Scientific and Technical Information of China (English)

    2010-01-01

    The root causes of subprime crisis are analyzed based on the introduction of the definition and features of subprime mortgage loans:firstly,a loose financial supervision and regulation environment leads to weak risk awareness;secondly,the highly complex financial products enlarge the risk. Taking into account that our rural finance is characterized by vast territory,scattered distribution of population,small economic scale and insufficient mortgage,it is pointed out that rural finance has different development rules and patterns from urban finance. On the basis of introducing that there is an insufficient amount of formal finance in our rural finance and our informal finance is under a long-term suppression,the great significance of financial innovation to rural finance is discussed:firstly,it effectively increases financial supply;secondly,it gradually regulates and develops the informal finance. The enlightenment of subprime crisis to our rural financial innovation is explored:firstly,financial innovation is the driving force of rural financial development;secondly,to strengthen risk awareness is a prerequisite for financial innovation;thirdly,a flexible and effective supervision and regulation system is an effective approach to preventing financial risks.

  6. The impact of possession on legality of mortgage registered on a building under construction: With case law

    Directory of Open Access Journals (Sweden)

    Vicković Tanja

    2016-01-01

    Full Text Available The expansion of the subject of a mortgage to buildings under construction is a considerable step forward in regulating mortgages. It is not possible to register ownership rights on buildings under construction. A person acquiring ownership does not have the possibility to protect his rights. Acquiring ownership rights to a building under construction is tied to possession. This is detrimental to the principle of publicity which in turn erodes the principle of reliance. Validity of the mortgage is tied to the possession over the mortgaged real estate at the time of its registration. Such position of the courts challenges the very essence of mortgage.

  7. Analysis of Tax-deductible Interest Payments for Re-advanceable Canadian Mortgages

    Science.gov (United States)

    Naseem, Almas; Reesor, Mark

    2011-11-01

    According to Canadian tax law the interest on loans used for investment purposes is tax deductible while interest on personal mortgage loans is not. One way of transforming from non-tax deductible to tax deductible interest expenses is to borrow against home equity to make investments. A re-advanceable mortgage is a product specifically designed to take advantage of this tax discrepancy. Using simulation we study the risk associated with the re-advanceable mortgage strategy to provide a better description of the mortgagor's position. We assume that the mortgagor invests the borrowings secured by home equity into a single risky asset (e.g., stock or mutual fund) whose evolution is described by geometric Brownian motion (GBM). With a re-advanceable mortgage we find that the average mortgage payoff time is less than the original mortgage term. However, there is considerable variation in the payoff times with a significant probability of a payoff time exceeding the original mortgage term. Higher income homeowners enjoy a payoff time distribution with both a lower average and a lower standard deviation than low-income homeowners. Thus this strategy is most beneficial to those with the highest income. We also find this strategy protects the homeowner in the event of job loss. This work is important to lenders, financial planners and homeowners to more fully understand the benefits and risk associated with this strategy.

  8. Developing Situation and Countermeasures of Mortgage Financing of "Three Rights" in China's Rural Areas%我国农村"三权"抵押融资发展现状及对策建议

    Institute of Scientific and Technical Information of China (English)

    卫明; 廖丹萍

    2011-01-01

    By adopting archival analysis method and investigation method,this paper expounds the relationship between "three rights" mortgage and farmers' financing in rural areas,and conducts analysis on behavior choosing of "three rights" mortgage financing in rural areas. The results show that the fanners has strong need for financing,but the satisfaction level of need is not high; the fanners have many irregular channels of financing and there is a ubiquitous phenomenon of loan being rejected without mortgage; agricultural modernization, industrialization and scaling-up management have strong need for capital. The main problems yet to be solved in the process of carrying out "three rights" mortgage loan are expounded and corresponding countermeasures are put forward as follows; first,we should solve the problems of mortgage registration as quickly as possible,which is the prerequisite of implementing "three rights" mortgage loan; second,we should establish smooth evaluation mechanism,which is important condition for promoting "three rights" mortgage loan; we should solve the difficulties in confirmation of farmers' house as quickly as possible,which is indispensable element of expanding mortgage loan of farmers' house; we should effectively solve the problem of turning an asset into cash and assets disposal,which is the key to expanding "three rights" mortgage financing; we should establish sound forestry factor market, which is the main part of promoting healthy development of forestry right mortgage loan; we should formulate management methods of financing risk compensation fund of rural property rights and adopt rational measures to reduce taxation, which is the main approach to quicken offering of " three rights" mortgage loan.%采用档案分析法和调查法,论述了农村"三权"抵押与农户触资的关系,对农村"三权"抵押融资的行为选择进行了分析,表明农户融资需求强烈,但需求满足程度不高;农户融资

  9. 75 FR 4963 - Federal Housing Administration (FHA): Hospital Mortgage Insurance Program-Refinancing Hospital Loans

    Science.gov (United States)

    2010-01-29

    ... comprehensive health care, including outpatient and preventive care, as well as hospitalization. In the case of... following seven criteria: (i) The proposed refinancing would reduce the hospital's total operating expenses... indebtedness; (2) reasonable and customary legal, organization, title, and recording expenses, including...

  10. 77 FR 2024 - Federal Housing Administration (FHA) Single-Family Mortgage Insurance: Elimination of Requests...

    Science.gov (United States)

    2012-01-13

    ... 500 or more, the request need provide only one month's worth of data. Paragraph (b)(1)(iii) states... comprehensive, national databases of home sales transactions. As a result, HUD relied on sales data provided by... comprehensive direct sales transaction data and indirect home value data at the county level. In addition, since...

  11. 76 FR 40741 - Federal Housing Administration (FHA) Mortgage Insurance Premiums for Multifamily Housing Programs...

    Science.gov (United States)

    2011-07-11

    ... 2011, this notice announces that the risk categories ] incurring positive credit subsidy obligations... positive credit subsidy risk categories: (1) Section 221(d)(3) new construction/substantial rehabilitation... Housing Programs, Health Care Facilities and Hospitals and Credit Subsidy Obligations for Fiscal Year...

  12. 78 FR 8329 - Federal Housing Administration (FHA): Hospital Mortgage Insurance Program-Refinancing Hospital Loans

    Science.gov (United States)

    2013-02-05

    ... understanding how the Section 242 program works. C. Costs and Benefits This rule will not address all financing... balance remaining unused in the fund at final endorsement will be treated in accordance with 24 CFR 242.43.... Comment: Market Need study requirements should be revised. Section 242.16(b)(5) of the proposed...

  13. 78 FR 41339 - Federal Housing Administration (FHA) Multifamily Mortgage Insurance; Capturing Excess Claim Proceeds

    Science.gov (United States)

    2013-07-10

    ..., DC 20410-0500. 2. Electronic Submission of Comments. Interested persons may submit comments... to submit comments electronically. Electronic submission of comments allows the commenter maximum... short-term interest rates, it is difficult to know how much more money will be in the reserves at...

  14. What Does a Swiss Franc Mortgage Cost? The Tale of Polish Trust for Foreign Currency Denominated Mortgages: Implications for Well-Being and Health.

    Science.gov (United States)

    Białowolski, Piotr; Węziak-Białowolska, Dorota

    2017-01-01

    It is commonly agreed that excessive household financial debts are detrimental to psychological and physical health. Research also demonstrates that housing instability, mortgage indebtedness and mortgage foreclosure negatively influence subjective well-being. In Poland at the beginning of 2015, homeowners with Swiss franc denominated mortgages suffered from an abrupt swing in the Swiss franc/Polish zloty (CHF/PLN) exchange rate, which resulted in considerable increase in the local currency value of their mortgages. These adverse financial circumstances were hypothesised to affect not only household finance but also negatively affect the psychological well-being and physical health of peoples. The 2013 and 2015 waves of the Polish representative household panel 'Social Diagnosis' were used to examine impact of the abrupt change in the CHF/PLN exchange rate in Jan. 2015 on well-being and health. Causal inference was investigated using a difference-in-differences matching estimator. Results showed that although impact of Swiss franc appreciation on the mortgage related financial burden was considerable, it did not affect well-being or health outcomes. Any manifestation of adverse effects was absent in the short term, which does not however preclude their long term existence.

  15. Risks of Mortgage Loans in the Czech Republic

    Directory of Open Access Journals (Sweden)

    Jaroslav Tichý

    2015-10-01

    Full Text Available Indebtedness through mortgage loans is dominant of household debt in the Czech Republic. The gradual increase in the household debt level may also entail increasing credit risk assumed by banks in connection with their credit exposure to this sector. The objective of the paper is to verify the risk and identify factors that affect the credit risk development in the Czech Republic. We look for correlation between the risk development and the interest rate development. Furthermore, we verify links between the risk and the development of real estate collateral value. The paper does confirm that there are real risks associated with the potential increase in interest rates. No significant risks have been confirmed with regard to the current development of the residential property value. The paper also strives to provide an identification and verification of risks stemming from individual banks’ internal processes. It features a detailed analysis of the internal factors (aspects comprising revenue, competition, as well as distribution.

  16. 77 FR 6055 - Notice of Funds Availability (NOFA) Inviting Applications for the Federal-State Marketing...

    Science.gov (United States)

    2012-02-07

    ...; ] DEPARTMENT OF AGRICULTURE Agricultural Marketing Service Notice of Funds Availability (NOFA) Inviting Applications for the Federal-State Marketing Improvement Program (FSMIP) AGENCY: Agricultural Marketing Service, USDA. ACTION: Notice. SUMMARY: The Agricultural Marketing Service (AMS) announces the availability...

  17. Carrington Real Estate Services, LLC and Carrington Mortgage Services, LLC Information Sheet

    Science.gov (United States)

    Carrington Real Estate Services, LLC and Carrington Mortgage Services, LLC (the Company) is located in Anaheim, California. The settlement involves the sale of properties constructed prior to 1978, located in Bakersfield and Ridgecrest, California.

  18. 26 CFR 301.7701(i)-3 - Effective dates and duration of taxable mortgage pool classification.

    Science.gov (United States)

    2010-04-01

    ..., DEPARTMENT OF THE TREASURY (CONTINUED) PROCEDURE AND ADMINISTRATION PROCEDURE AND ADMINISTRATION Definitions... testing day that it meets the definition of a taxable mortgage pool. Once an entity is classified as...

  19. INFLUENCE OF MORTGAGE RATES PRICE FORMATION ON THE PRIMARY HOUSING MARKET

    Directory of Open Access Journals (Sweden)

    Nikolay I. Kornilov

    2015-01-01

    Full Text Available The article considers relationship of pricesin the primary market, depending on theregional origin and type of home, with thevalue of mortgage rates. Assesses thestrength of such a relationship and thepossible effects of changes in such rates.

  20. Convergence Studies on Monte Carlo Methods for Pricing Mortgage-Backed Securities

    National Research Council Canada - National Science Library

    Tao Pang; Yipeng Yang; Dai Zhao

    2015-01-01

    .... When pricing complex instruments, like mortgage-backed securities (MBS), strong path-dependency and high dimensionality make the Monte Carlo method the most suitable, if not the only, numerical method...

  1. 78 FR 79729 - Integrated Mortgage Disclosures Under the Real Estate Settlement Procedures Act (Regulation X...

    Science.gov (United States)

    2013-12-31

    ... (June 2013). \\29\\ See Thomas F. Siems, Branding the Great Recession, Fin. Insights, May 13, 2012, Vol. 1... of the mortgage crisis was an upswing in early payment defaults--generally defined as borrowers being...

  2. Federalism Lives.

    Science.gov (United States)

    Howard, A. E. Dick

    1987-01-01

    Examines the concept of federalism in terms of its past history and its encouraging future. Calls for a revival of concern for federalism not simply as a convenient administrative arrangement but as a fundamental constitutional value. (BSR)

  3. 78 FR 52131 - Notice of Funds Availability: Agricultural Management Assistance Organic Certification Cost-Share...

    Science.gov (United States)

    2013-08-22

    ... Agricultural Marketing Service Notice of Funds Availability: Agricultural Management Assistance Organic Certification Cost-Share Program AGENCY: Agricultural Marketing Service, USDA. ACTION: Notice of Funds... Application (Application for Federal Assistance Standard Form 424) to the Agricultural Marketing Service...

  4. Federal Interagency Geothermal Activities

    Energy Technology Data Exchange (ETDEWEB)

    Anderson, Arlene [Office of Energy Efficiency and Renewable Energy (EERE), Washington, DC (United States); Prencipe, Loretta [Office of Energy Efficiency and Renewable Energy (EERE), Washington, DC (United States); Todaro, Richard M. [Office of Energy Efficiency and Renewable Energy (EERE), Washington, DC (United States); Cuyler, David [Sandia National Lab. (SNL-NM), Albuquerque, NM (United States); Eide, Elizabeth [Office of Energy Efficiency and Renewable Energy (EERE), Washington, DC (United States)

    2011-06-01

    This collaborative document describes the roles and responsibilities of key Federal agencies in the development of geothermal technologies including the U.S. Department of Energy (DOE); the U.S. Department of Agriculture (USDA), including the U.S. Forest Service; the U.S. Department of Interior (DOI), including the United States Geological Survey (USGS) and Bureau of Land Management (BLM); the Environmental Protection Agency (EPA); and the Department of Defense (DOD).

  5. 12 CFR 652.30 - Temporary regulatory waivers or modifications for extraordinary situations.

    Science.gov (United States)

    2010-01-01

    ... CREDIT SYSTEM FEDERAL AGRICULTURAL MORTGAGE CORPORATION FUNDING AND FISCAL AFFAIRS Investment Management... modification, the FCA may, in its sole discretion: (a) Modify or waive the minimum liquidity reserve...

  6. 7 CFR 22.303 - Cooperation with Federal Regional Councils.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 1 2010-01-01 2010-01-01 false Cooperation with Federal Regional Councils. 22.303 Section 22.303 Agriculture Office of the Secretary of Agriculture RURAL DEVELOPMENT COORDINATION Roles and Responsibilities of State Governments § 22.303 Cooperation with Federal Regional Councils. States are urged to...

  7. 7 CFR 22.309 - Seeking Federal review.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 1 2010-01-01 2010-01-01 false Seeking Federal review. 22.309 Section 22.309 Agriculture Office of the Secretary of Agriculture RURAL DEVELOPMENT COORDINATION Roles and Responsibilities of State Governments § 22.309 Seeking Federal review. States may, if they elect, submit multicounty...

  8. Agriculture: Newsroom

    Science.gov (United States)

    Agriculture Newsroom. News releases, reports, and other documents from around EPA that are of interest or direct importance to the environmental management or compliance efforts of the agricultural community.

  9. Early warning system for potential churners among mortgage customers

    Science.gov (United States)

    Irpan, Hamidah Muhd; Aidid, Sharifah Sakinah Syed Hassan; Mohmad, Sarahiza; Ibrahim, Noorazilah

    2014-07-01

    Retaining existing customer is a major task for many companies because cost to acquire new customers is higher than retaining existing customers. For mortgage business in Bank X, customer relationship management plays a big role to understand their customers' profile and churners so that suitable action can be done to retain their potential churners. Objectives of this study are (1) understanding their customers' profile and churners, (2) modeling potential churners using neural network model and (3) to deploy the model to identify potential churners. Data was divided into two parts: sampling (67,470 cases) and scoring (4,488 cases). Analysis was done using SAS Enterprise Miner. Dependent variable is churner/non churner while independent variables are balance and amount of loan, interest rate offered installment amount, loan performance, months in arrear, vintage, tenure, age, race and gender. Potential churners were identified as Malays, followed by Indian, other races and Chinese. Nonperforming loan and male customers tend to churn compared to performing loan and female customers. Younger customers with small loan amount, balance and monthly instalment, higher interest rate, have many months in arrears, longer vintage and tenure have higher tendency to churn from Bank X. Hence, Bank X should focus on the potential churners for their campaign to minimize the expenses of retaining existing customers by doing an effective campaign with high successful rate.

  10. 7 CFR 3015.304 - Federal interagency coordination.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 15 2010-01-01 2010-01-01 false Federal interagency coordination. 3015.304 Section... of Department of Agriculture Programs and Activities § 3015.304 Federal interagency coordination. The... Federal departments and agencies in an effort to assure full coordination between such agencies and...

  11. 24 CFR 203.666 - Processing defaulted mortgages on property in Allegany Reservation of Seneca Nation of Indians.

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Processing defaulted mortgages on property in Allegany Reservation of Seneca Nation of Indians. 203.666 Section 203.666 Housing and Urban... Indians § 203.666 Processing defaulted mortgages on property in Allegany Reservation of Seneca Nation...

  12. 24 CFR 203.439a - Mortgages on property in Allegany Reservation of Seneca Nation of Indians authorized by section...

    Science.gov (United States)

    2010-04-01

    ... 24 Housing and Urban Development 2 2010-04-01 2010-04-01 false Mortgages on property in Allegany Reservation of Seneca Nation of Indians authorized by section 203(q) of the National Housing Act. 203.439a... Reservation of Seneca Indians § 203.439a Mortgages on property in Allegany Reservation of Seneca Nation...

  13. 77 FR 49089 - High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act...

    Science.gov (United States)

    2012-08-15

    ... Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and... Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling... Consumer Protection Act (Dodd-Frank Act) amends the Truth in Lending Act by expanding the types of mortgage...

  14. 24 CFR 203.390 - Waiver of title-mortgages or property formerly held by the Secretary.

    Science.gov (United States)

    2010-04-01

    ... property formerly held by the Secretary. 203.390 Section 203.390 Housing and Urban Development Regulations... formerly held by the Secretary. (a) Mortgages sold by the Secretary. (1) If the Secretary sells a mortgage... Secretary. (1) If a property held by the Secretary is sold by the Secretary who also insures a...

  15. 12 CFR 226.35 - Prohibited acts or practices in connection with higher-priced mortgage loans.

    Science.gov (United States)

    2010-01-01

    ..., and other loan pricing terms currently offered to consumers by a representative sample of creditors for mortgage transactions that have low-risk pricing characteristics. The Board publishes average... and premiums for mortgage-related insurance required by the creditor, such as insurance against loss...

  16. A Probe into the Mortgage Rates of Land Contract Management Rights Based on Unified Annual Output Value

    Institute of Scientific and Technical Information of China (English)

    Zhongjun; YI

    2013-01-01

    The mortgage of land contract management rights has launched a pilot project in Ningxia,Hubei,Henan,Guizhou,Chongqing and other provinces,municipalities and autonomous regions,which provides a good solution to the problem of funds for rural development and plays a huge role in promoting local rural economic development.In the mortgage financing of land contract management rights implemented in various regions,how to determine a scientific,accurate and reasonable mortgage rate of land contract management rights becomes a difficulty troubling the mortgage financing of land.On the basis of unified annual output value of land,this article uses survey method,income capitalization method,and comparison method to analyze the value of land contract management rights,and finally determine the mortgage rates of land contract management rights.

  17. Contagion in International Stock Markets during the Sub Prime Mortgage Crisis

    Directory of Open Access Journals (Sweden)

    Hsien-Yi Lee

    2012-01-01

    Full Text Available The sub prime mortgages crises took place in July, 2007 in US which causes the large scare in the global financial markets, and the international stock and foreign market suffer heavy shock. Using twenty international stock indexes, this study examines whether any contagion effect occurred across international markets after the sub-prime financial mortgage crisis in US. Using the heteroscedasticity biases based on correlation coefficients to examine the existence of the contagion effect, this study shows that stock markets of some countries (namely Hong Kong, Taiwan, Australia and New Zealand did suffer from the contagion effect.

  18. Dynamic repayment of mortgage loans: A solution for the low-income sector?

    Directory of Open Access Journals (Sweden)

    W.R. Gevers

    2003-12-01

    Full Text Available By using a dynamic instalment repayment plan to finance a mortgage loan rather than the usual fixed instalment financing, the threshold at which a prospective homeowner may enter the housing market may be lowered substantially. In this paper this method of financing will be evaluated to determine under which circumstances it could be used to help the low-income group to obtain housing, and also to highlight some of its deficiencies. Historic trends of income are also analysed to determine the income growth potential of the low-income sector. The income growth potential does not seem to distract from the potential of the dynamic repayment of mortgage loans.

  19. The Evolution of Securitization in Multifamily Mortgage markets and Its Effect on lending Rates

    OpenAIRE

    Frank E. Nothaft; James L. Freund

    2003-01-01

    Loan purchase and securitization by Freddie Mac, Fannie Mae and private-label commercial mortgage-backed securities (CMBS) grew rapidly during the 1990s and accounted for more than one-half of the net growth in multifamily debt over the decade. By facilitating the integration of the multifamily mortgage market into the broader capital markets, securitization helped to create new sources of credit as some traditional portfolio investors—savings institutions and life insurers—reduced their ...

  20. Mortgages, seniors and the common law contractual doctrine of mental incapacity in Australia.

    Science.gov (United States)

    Burns, Fiona

    2011-01-01

    Seniors in Australia are being called upon to mortgage their most precious economic asset, the family home. They may be asked to guarantee the liabilities of other family members by providing a mortgage-based guarantee or they may decide to enter into a reverse mortgage to supplement financially their savings and pensions. As the family home is the single most valuable asset for most older Australians, the creation of any obligations in regard to it ought to be undertaken with care and vigilance. While seniors are free to create mortgage, they may lack the capacity to understand the legal ramifications of these complex transactions or be unable to protect their interests when entering into them. It is not suggested that older Australians necessarily suffer a lack of contractual capacity. Many seniors are more than able to take care of their interests and assets. However, some seniors do suffer cognitive impairment which adversely affects their capacity to act in their best interests and to navigate the complexities of contractual relations. In contract and mortgage law, this raises the issue of mental incapacity. For centuries, the common law has recognized not only that mentally incapacitated people exist, but that they may enter into contracts such as mortgage and may later wish to have the mortgage set aside. The present formulation of the contractual doctrine of mental incapacity is the product of 19th century jurisprudence in which the courts framed the doctrine to accommodate commercial dealing rather than the interests of persons who lacked the necessary mental capacity. Accordingly, the doctrine has been very difficult to rely on successfully when challenging mortgages made by persons lacking capacity. Therefore, Australian litigators and courts alike have sought to deal with mental incapacity issues in the contractual context by using and modifying other doctrines (such as non est factum, undue influence and unconscionable dealing) in which the issue of

  1. 78 FR 51046 - Registration of Mortgage Loan Originators

    Science.gov (United States)

    2013-08-20

    ... number of small entities. Each of the banks in the System, considered together with its affiliated... Housing and Urban Development (HUD), and the Federal Trade Commission to the CFPB. The ``consumer...

  2. 77 FR 54721 - Appraisals for Higher-Risk Mortgage Loans

    Science.gov (United States)

    2012-09-05

    ... (202) 973-6122, Board of Governors of the Federal Reserve System, Washington, DC 20551. Bureau: Michael... Ming-Yuen Meyer-Fong, Assistant General Counsel, Office of General Counsel, (202) 649-3078,...

  3. Federal Lands

    Data.gov (United States)

    Department of Homeland Security — This map layer consists of federally owned or administered lands of theUnited States, Puerto Rico, and the U.S. Virgin Islands. Only areas of 640 acres or more are...

  4. 36 CFR 219.13 - Coordination among Federal agencies.

    Science.gov (United States)

    2010-07-01

    ... AGRICULTURE PLANNING National Forest System Land and Resource Management Planning Collaborative Planning for... proposed actions; (b) For the streamlined coordination of Federal agency policies, resource management... management plans....

  5. 78 FR 24714 - Notice of Funds Availability Inviting Applications for the Federal-State Marketing Improvement...

    Science.gov (United States)

    2013-04-26

    ... opportunities in marketing, transportation, and distribution of U.S. food and agricultural products domestically... Agricultural Marketing Service Notice of Funds Availability Inviting Applications for the Federal-State Marketing Improvement Program (FSMIP) AGENCY: Agricultural Marketing Service, USDA. ACTION: Notice....

  6. Willingness to Venture into Agriculture-related Enterprises after ...

    African Journals Online (AJOL)

    NTL NG

    after Graduation among Final Year Agriculture Students of. Federal University of ... creators and self employed, lucrative nature of agriculture and encouragement received during training. ..... Pharmacy/Nursing. 33. 19. 20 ... The preference of.

  7. Credit Booms and Lending Standards : Evidence from the Subprime Mortgage Market

    NARCIS (Netherlands)

    Dell’Ariccia, G.; Igan, D.; Laeven, L.

    2009-01-01

    This paper links the current subprime mortgage crisis to a decline in lending standards associated with the rapid expansion and changes in the structure of this market. We show that lending standards declined more in areas that experienced faster credit growth. We also find that the entry of new len

  8. Bank-specific daily interest rate adjustment in the Dutch mortgage market

    NARCIS (Netherlands)

    de Haan, Leo; Sterken, Elmer

    2011-01-01

    This paper presents an empirical analysis of the interest rate setting behavior of the four largest banks in the Dutch mortgage market, using advertised interest rates at a daily frequency. The evidence for the long run pricing behaviour suggests that the banks operate in a competitive environment a

  9. A two-factor, stochastic programming model of Danish mortgage-backed securities

    DEFF Research Database (Denmark)

    Nielsen, Søren S.; Poulsen, Rolf

    2004-01-01

    -trivial, both in terms of deciding on an initial mortgage, and in terms of managing (rebalancing) it optimally.We propose a two-factor, arbitrage-free interest-rate model, calibrated to observable security prices, and implement on top of it a multi-stage, stochastic optimization program with the purpose...

  10. The Development Mechanism of Financial Resources of the Housing Mortgage Lending in Russia

    Science.gov (United States)

    Savinova, Valentina A.; Solodilova, Marija N.; Zgegalova, Elena V.; Tershukova, Marina B.; Rutkauskas, Tatiana K.

    2016-01-01

    The urgency of the analyzed issue is due to the priority of state issues of providing the population with affordable and comfortable housing. The purpose of research is to develop the main provisions of the development mechanism of financial resources of the housing mortgage lending and to develop practical recommendations for its implementation.…

  11. 77 FR 57199 - 2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage Servicing Proposal

    Science.gov (United States)

    2012-09-17

    ... September 17, 2012 Part II Bureau of Consumer Financial Protection 12 CFR Part 1024 2012 Real Estate... PROTECTION 12 CFR Part 1024 RIN 3170-AA14 2012 Real Estate Settlement Procedures Act (Regulation X) Mortgage... Regulation X, which implements the Real Estate Settlement Procedures Act of 1974 (RESPA) and the official...

  12. TIAA's Commercial Mortgage and Real Estate Investments: The Case for Financial Disclosure.

    Science.gov (United States)

    Garrigan, Richard T.; Jones, Thomas W.

    1992-01-01

    The Teachers Insurance and Annuities Association (TIAA) is criticized for inadequate financial disclosure of its mortgage and real estate investments, especially in the current market. A TIAA vice president responds that the company has not been remiss in reporting changes to its constituents and outlines its present financial status. (MSE)

  13. Current Situation of Household Income as a Factor, Having Impact on Mortgage Lending in Mongolia

    Directory of Open Access Journals (Sweden)

    Khuselchimeg Batbileg

    2012-04-01

    Full Text Available Amount of household income is the most important factor for housing loan. The article studies mortgage lending in Ulaanbaatar in 2007–2009, the factor, having great impact on the current economy of Mongolia, carries out the comparative analysis of capital’s medium and low income households and presents methods, which will help to solve these problems.

  14. Purchasing complex services on the Internet; An analysis of mortgage loan acquisitions

    NARCIS (Netherlands)

    B.L.K. Vroomen (Björn); A.C.D. Donkers (Bas); P.C. Verhoef (Peter); Ph.H.B.F. Franses (Philip Hans)

    2003-01-01

    textabstractIn contrast to, for example, books and compact discs, the number of complex services offered on the Internet is still small. A good example of such a service concerns mortgage loans. The decision-making process differs for complex services in that they have an extra intermediate step of

  15. 24 CFR 401.460 - Modification or refinancing of first mortgage.

    Science.gov (United States)

    2010-04-01

    ... mortgage. (a) Principal amount. As part of the Restructuring Plan, the PAE will determine the size of the... modification under the Restructuring Plan. The debt service coverage used by the PAE must be adequate for... determined by the PAE to be above normal processing fees must be paid by the owner from non-project funds...

  16. 78 FR 75364 - 60-Day Notice of Proposed Information Collection: Application for FHA Insured Mortgages

    Science.gov (United States)

    2013-12-11

    ..., Model Notice for Informed Consumer Choice Disclosure, Model Pre-Insurance Review/Checklist. Description... determine the eligibility of the borrower and proposed mortgage transaction for FHA's insurance endorsement. Lenders seeking FHA's insurance prepare certain forms to collect data. Respondents (i.e. affected...

  17. Bank-specific daily interest rate adjustment in the Dutch mortgage market

    NARCIS (Netherlands)

    de Haan, Leo; Sterken, Elmer

    This paper presents an empirical analysis of the interest rate setting behavior of the four largest banks in the Dutch mortgage market, using advertised interest rates at a daily frequency. The evidence for the long run pricing behaviour suggests that the banks operate in a competitive environment

  18. The information content of three credit ratings : The case of European residential mortgage-backed securities

    NARCIS (Netherlands)

    Fabozzi, F.; Vink, D.

    2015-01-01

    We assess the information content of three credit ratings for tranches of newly issued European residential mortgage-backed securities. We find that tranches rated by three credit rating agencies where the rating by Standard & Poor's (S&P's) Ratings Service or Fitch is inferior to Moody's lead to

  19. A reduced modelling approach to the pricing of mortgage backed securities

    Directory of Open Access Journals (Sweden)

    Rana D. Parshad

    2010-09-01

    Full Text Available We consider a pricing model for mortgage backed securities formulated as a non-linear partial differential equation. We show that under certain feasible assumptions this model can be greatly simplified. We prove the well posedness of the simplified PDE.

  20. Purchasing complex services on the Internet; An analysis of mortgage loan acquisitions

    NARCIS (Netherlands)

    B.L.K. Vroomen (Björn); A.C.D. Donkers (Bas); P.C. Verhoef (Peter); Ph.H.B.F. Franses (Philip Hans)

    2003-01-01

    textabstractIn contrast to, for example, books and compact discs, the number of complex services offered on the Internet is still small. A good example of such a service concerns mortgage loans. The decision-making process differs for complex services in that they have an extra intermediate step of

  1. SPILLOVER EFFECTS OF THE SUB-PRIME MORTGAGE CRISIS TO THE ASIAN STOCK MARKETS

    Directory of Open Access Journals (Sweden)

    Esta Lestari

    2014-10-01

    Full Text Available AbstractThis paper aims to analyze the effects of the sub-prime mortgage crisis on several Asian stock markets. An Exponential Generalized Autoregressive Conditional Heteroscedasticity (EGARCH model is employed to provide an empirical evidence of the direct spillover. The indirect effect is measured through the spillover effects from the increased volatility in the U.S. stock markets to the Asian stock markets. The results showed that the market integration occurs within Asian stock markets. Meanwhile the asymmetric effects are evident for all the Asian countries stock markets, indicating that financial markets in Asia are suffered more from negative news (shocks lead to more volatilities compared to positive news. Keywords: Stock market, sub-prime mortgage crisis, volatility, spillover effectJEL classification numbers: C22, F36, G15AbstrakPaper ini bertujuan untuk menganalisis pengaruh krisis sub-prime mortgage pada beberapa pasar saham Asia. Model Exponential Generalized Autoregressive Conditional Heteroscedasticity (EGARCH digunakan untuk mendapatkan bukti empiris dari kenaikan volatilitas dalam pasar saham Amerika pada pasar-pasar saham Asia. Hasil analisis memperlihatkan bahwa integrasi pasar terjadi di dalam pasar saham Asia. Sementara itu, pengaruh asimetris terbukti terjadi di pasar-pasar saham Asia, mengindikasikan bahwa pasar-pasar keuangan di Asia menderita lebih parah sebagai akibat dari kejutan negatif dibandingkan dengan dampak dari kejutan positif.Kata kunci: Pasar saham, krisis sub-prime mortgage, volatilitas, pengaruh spillover JEL classification numbers: C22, F36, G15

  2. 24 CFR 266.608 - Mortgage insurance premium: Pro rata refund.

    Science.gov (United States)

    2010-04-01

    ... rata refund. 266.608 Section 266.608 Housing and Urban Development Regulations Relating to Housing and... premium: Pro rata refund. If the Contract of Insurance is terminated by payment in full or is terminated... account. In computing the pro rata portion of the annual mortgage insurance premium, the date...

  3. 78 FR 14325 - Notice of Submission of Proposed Information Collection to OMB: FHA Insured Mortgage Loan...

    Science.gov (United States)

    2013-03-05

    ... to cure their delinquencies and retain their homes stabilizes neighborhoods that might otherwise... important source of mortgage credit for low and moderate-income borrowers and neighborhoods. Providing assistance, as needed, to enable families to cure their delinquencies and retain their homes...

  4. Fiscal Federalism

    DEFF Research Database (Denmark)

    Feng, Xingyuan; Ljungwall, Christer; Guo, Sujian

    2013-01-01

    in the Western literature? Second, are there any problems with existing principles of fiscal federalism and, if so, how to refine them? Third, how are refined principles relevant to the Chinese case and what policies should the Chinese government pursue in the future? Based on an in-depth and critical review...... relations is not without controversy. This paper aims to make a theoretical contribution to the ongoing debate on ‘fiscal federalism’ by addressing crucial questions regarding China's central–local fiscal relations: first, to what extent do Chinese central–local fiscal relations conform to fiscal federalism...

  5. PingFederate

    Data.gov (United States)

    US Agency for International Development — PingFederate Server provides Identity Federation and Single Sign On Capabilities. Federated identity management (or identity federation) enables enterprises to...

  6. 77 FR 3958 - Mortgage Assets Affected by PACE Programs

    Science.gov (United States)

    2012-01-26

    ... that would flow from the same project if financed in any other manner? Question 7: How does the effect... cash flow to service the PACE obligation in addition to the homeowner-borrower's pre-existing financial... prepare environmental impact statement; request for scoping comments. SUMMARY: The Federal Housing Finance...

  7. Creeping Federalization

    DEFF Research Database (Denmark)

    Sweeney, Richard J.

    2003-01-01

    that make taxharmonization difficult to impose. Other types of harmonization have a less clear-cut costbenefitanalysis. A federal commercial code that is uniform across member states reducestransaction and information costs, compared to leaving important code issues to memberstates; further, many states may...

  8. Agriculture Sectors

    Science.gov (United States)

    The Agriculture sectors comprise establishments primarily engaged in growing crops, raising animals, and harvesting fish and other animals. Find information on compliance, enforcement and guidance on EPA laws and regulations on the NAICS 111 & 112 sectors.

  9. Agricultural Geophysics

    Science.gov (United States)

    The four geophysical methods predominantly used for agricultural purposes are resistivity, electromagnetic induction, ground penetrating radar (GPR), and time domain reflectometry (TDR). Resistivity and electromagnetic induction methods are typically employed to map lateral variations of apparent so...

  10. Energy-efficient mortgages and home energy rating systems: A report on the nation`s progress

    Energy Technology Data Exchange (ETDEWEB)

    Farhar, B.C.; Eckert, J.

    1993-09-01

    This report summarizes progress throughout the nation in establishing voluntary programs linking home energy rating systems (HERS) and energy-efficient mortgages (EEMs). These programs use methods for rating the energy efficiency of new and existing homes and predicting energy cost savings so lenders can factor in energy cost savings when underwriting mortgages. The programs also encourage lenders to finance cost-effective energy-efficiency improvements to existing homes with low-interest mortgages or other instruments. The money saved on utility bills over the long term can more than offset the cost of such energy-efficiency improvements. The National Collaborative on HERS and EEMs recommended that this report be prepared.

  11. Agriculture: About EPA's National Agriculture Center

    Science.gov (United States)

    EPA's National Agriculture Center (Ag Center), with the support of the United States Department of Agriculture, serves growers, livestock producers, other agribusinesses, and agricultural information/education providers.

  12. PARITY PRICE OF AGRICULTURAL PRODUCTS, ENERGY AND MATERIAL RESOURCES

    Directory of Open Access Journals (Sweden)

    A. Alpatov

    2012-02-01

    Full Text Available The article describes the main approaches to parity of agricultural products to energy and material resources, are the price indices for certain types of energy resources, and presents data on the availability of agricultural machinery in agricultural organizations of the Russian Federation. The dynamics of growth in energy prices in relation to the specific energy consumption per 1 ha of sown area in the agricultural organizations of the Russian Federation, the consumption of resources such as petroleum products, electricity and fuel. In addition, the article shows the average sales price for agricultural products and logistical resources. Shown the equivalence of the exchange of products between agriculture and industry.

  13. Survey data on factors affecting negotiation of professional fees between Estate Valuers and their clients when the mortgage is financed by bank loan: A case study of mortgage valuations in Ikeja, Lagos State, Nigeria

    Directory of Open Access Journals (Sweden)

    Chukwuemeka O. Iroham

    2017-06-01

    Full Text Available In this article, two sets of questionnaires were administered to professionals and clients (commercial banks on their willingness to negotiate the professional fees charged by the Estate Valuers assuming that the mortgage in valuation was financed by bank loan. A range of fees options were provided. Other factors such as the business environment and mortgage valuation can influence the negotiated fees when the data obtained from the survey data is analyzed.

  14. 78 FR 60381 - Amendments to the 2013 Mortgage Rules Under the Equal Credit Opportunity Act (Regulation B), Real...

    Science.gov (United States)

    2013-10-01

    ... avoid uncertainty and potential disruption in the national mortgage market at a time of economic... fees, and facilitating review for foreclosure avoidance options. C. TILA Section 105(a) of TILA, 15...

  15. Mortgage lending and house prices in Albania - a co-integrated analysis based on VECM

    Directory of Open Access Journals (Sweden)

    Erjona REBI

    2014-06-01

    Full Text Available The general view that the banks’ lending plays a crucial role in the real estate market was again confirmed during the recent financial crisis. During the precrisis period, house prices in Albania increased rapidly, supported also by a fast expansion of mortgage lending. This study aims to empirically analyse the relation between housing prices and banks’ financing in the long run, referring to a VECM model. The estimated results confirm the important role of mortgage to house prices. Meanwhile, the relation between house prices and interest rates resulted statistically insignificant. Unlike the previous literature, exchange rate has been included as an endogenous variable. Results show positive correlation and statistical significance between house prices and exchange rate. Finally, this paper is expected to contribute to the literature as there are very few studies that elaborate on the macroeconomic factors’ influence on the housing prices in Albania.

  16. On a class of adjustable rate mortgage loans subject to a strict balance principle

    DEFF Research Database (Denmark)

    Astrup Jensen, Bjarne

    We describe the background and the basic funding mechanisms for the type of adjustable rate mortgageloans that were introduced in the Danish market in 1996. Each loan is funded separately by tap issuingpass-through mortgage bonds (`strict balance principle'). The novelty is a funding mechanism...... that usesa roll-over strategy, where long term loans are funded by sequentially issuing short term pass-throughbonds, and the first issuer of these loans obtained a patent on the funding principles in 1999. Publiclyavailable descriptions of the principles leave an impression of very complicated numerical...... algorithms.The algorithms described here show that the essentials can be reduced to a `back of an envelope' complexity.Keywords: Adjustable rate mortgages, balance principle, patent, yield curve riding...

  17. International and Russian practice of banking risk-management. Mortgage risks

    Directory of Open Access Journals (Sweden)

    A. V. Nikolaeva

    2016-01-01

    Full Text Available The goal of the work is to compare Russian norms and standards of risk management of mortgage lending with international standards of risk management based on the documents of the Basel Committee. The article also aims to analyze new banking tools of risk management of mortgage lending, that arise in connection with the application of international norms and standards of risk management.Materials and Methods: The main documents considered in the article are the agreements on capital, issued by the Basel Committee on Banking Supervision: Basel-I (1988, Basel-II (2004 and Basel-III (2010, as well as instructions and standing orders issued by the Central Bank of Russia, including: Instruction № 139-I "Ob obiazatel'nykh normativakh bankov", instruction № 1 "O poriadke regulirovaniia deiatel'nosti kommercheskikh bankov", the standing order number 215-P "O metodike opredeleniia sobstvennykh sredstv (kapitala kreditnykh organizatsii", the standing order № 395-P "O metodike opredeleniia velichiny sobstvennykh sredstv (kapitala kreditnykh organizatsii («BAZEL III»" and others. On the basis of these documents the work examines and summarizes the main methods of risk management of mortgage lending, such as: comparison and analysis of risk management techniques, study of the basic documents regulating risk management in banks and generalization of risk management methods in the segment of mortgage lending.Results: The article analyzes the legal and methodological basis of risk management and provides practical methods that can be used in practice for managerial decisions in a constantly changing external economic environment. It also analyses international and native risk management. Russian standards of risk-management are compared with international. The work conducts a critical review of the effects of introduction of international standards in Russia. Special attention is paid to the practice of mortgage risk

  18. Analysis of the Contribution of Total Factor Productivity to Agricultural Yield in Anhui Province

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    By analyzing data concerning agricultural development from 1981 to 2010 in Anhui Province,the total factor productivity and growth rate of agriculture from 1981 to 2010 are estimated empirically.By dividing years from 1981 to 2010 into several subintervals,this paper evaluates and analyzes initial stage of reform and opening up,soft landing stage,the stage of financial crisis,the stage of subprime mortgage crisis and the impact of all factors on total factor growth rate of agriculture.Then it analyzes the contribution of growth of total factor productivity to total yield of agricultural economy.The research finds that the growth of total factor productivity in Anhui Province is significant to agricultural development.

  19. Mortgage Foreclosure and Health Disparities: Serial Displacement as Asset Extraction in African American Populations

    OpenAIRE

    Saegert, Susan; Fields, Desiree; Libman, Kimberly

    2011-01-01

    In this paper we offer a conceptualization of mortgage foreclosure as serial displacement by highlighting the current crisis in the context of historically repeated extraction of capital—economic, social, and human—from communities defined at different scales: geographically, socially, and that of embodied individuals. We argue that serial displacement is the loss of capital, physical resources, social integration and collective capacity, and psycho-social resources at each of these scales, w...

  20. The Determinants and Potential Effects of Life Insurer Mortgage Backed Securities Exposure

    OpenAIRE

    Andre P. Liebenberg; Lee Colquitt; Harris Hollans

    2010-01-01

    Our study examines two aspects of life insurers’ exposure to the troubled residential mortgage backed securities (RMBS) market. First, we develop and estimate a model that explains cross-sectional variation in RMBS exposure in terms of firm characteristics. We find that firms least likely to invest in RMBS tend to be small and to have high separate accounts ownership and large investments in common stocks and cash and short-term investments. Among firms that do invest in RMBS, publicly traded...

  1. Advances in automated valuation modeling AVM after the non-agency mortgage crisis

    CERN Document Server

    Kauko, Tom

    2017-01-01

    This book addresses several problems related to automated valuation methodologies (AVM). Following the non-agency mortgage crisis, it offers a variety of approaches to improve the efficiency and quality of an automated valuation methodology (AVM) dealing with emerging problems and different contexts. Spatial issue, evolution of AVM standards, multilevel models, fuzzy and rough set applications and quantitative methods to define comparables are just some of the topics discussed.

  2. Using Wavelets to Understand the Relationship between Mortgages and Gross Domestic Product in Spain

    Directory of Open Access Journals (Sweden)

    C. González-Concepción

    2012-01-01

    Full Text Available We use wavelet multiresolution decomposition and cross-wavelet analysis to reveal certain properties in financial data related to mortgages to households and gross domestic product data in Spain. Wavelet techniques possess many desirable properties, some of which are useful as a vehicle for analysing economic and financial data. In our case, wavelets are useful for drawing conclusions both in the time and frequency domains and for obtaining information on the different phases through which the study variables progress.

  3. Fiscally Unsustainable Social Welfare, Untenable Housing Solutions and the Mortgage Default Ratio in South Africa

    Directory of Open Access Journals (Sweden)

    Vuyisani Vuyisani Moss

    2013-10-01

    Full Text Available This article reflects on social welfare system and governance of housingmarkets from an end-user perspective. The article critically analyses the wayin which social welfare has correlated to unsustainable development and createdself entitlement behaviours and attitudes in the South African low incomehousing market.  The phenomenon wasdemonstrable by empirical research whose findings confirmed an existence of anassociation between a fully subsidized social housing model (as underpinned bySouth Africa’s social welfare and propensity to default on mortgages.  The study found that the risk of default byhomeowners in the low income housing market in South Africa is influenced bygovernment’s housing grant model. In other words, the research established thatthe principle of servicing a mortgaged starter property (that is almost similarto a government free house by both structure and design is not universallyaccepted by homeowners of these mortgaged houses.  The unintended consequences are that thesystem has created indefinite expectations that potentially could; (i erodethe country’s balance sheet; (ii add to non-payment behaviour; (iii pressurizethe economic and credit systems; (iv propagate entitlement attitudes andmindsets; (v create social instability and (v widened the country’s balanceof payment deficits.

  4. What matters 2010. Annual report of the Federal Environment Agency

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2010-04-27

    The annual report under consideration of the Federal Environment Agency (Dessau-Rosslau, Federal Republic of Germany) reports on the following themes: (1) Future mobility - Today's best investment; (2) Environmental protection - A barrier to investment for agriculture ?; (3) Emissions trading - The engine of climate policy ?; (4) The Federal Environment Agency (Departmental research, credo, organisation, data and facts, publications).

  5. Banking, Mortgage and the Credit Industry in the USA

    Directory of Open Access Journals (Sweden)

    Bakare S

    2016-04-01

    Full Text Available Banks fail because of inadequate capital base, mismanagement of funds, over extension of credit, lack of regulation and control, and unfair competition from foreign banks. Banks face the problem of persistent illiquidity, unprofitable lending, and poor asset base. Although the Federal Reserve (Fed did not eliminate bank crises, it reduced the frequency. The presence of Fed to lend to illiquid banks and the capital markets in times of stress enhanced financial stability and reduced the frequency of bank crises. The financial crisis resulted in a call onto the government for increased supervision and improved regulation of the financial industry. Although there are new regulations and government intervention, a complete turnaround of the world’s economy may take a long time.

  6. Alternative Agriculture

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

    Will the popularization of bioenergy, a new source for powering China, trigger another agricultural revolution? Skyrocketing energy prices, especially the oil shock in the first half of 2005, are pushing China to seek more substitutes for gasoline. A number of cities are turning to ethanol-blended gas made from com. Starting this month, the sale of regular gasoline will be brought to an end in nine of China's

  7. 76 FR 69146 - Agricultural Career and Employment Grants Program; Withdrawal

    Science.gov (United States)

    2011-11-08

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF AGRICULTURE Office of Advocacy and Outreach 7 CFR Part 2502 RIN 0503-AA49 Agricultural Career and Employment Grants... withdrawing its proposed rule of October 27, 2011, entitled ``Agricultural Career and Employment...

  8. 78 FR 45167 - Notification of Submission to the Secretary of Agriculture; Pesticides, Agricultural Worker...

    Science.gov (United States)

    2013-07-26

    ... AGENCY 40 CFR Part 170 RIN 2070-AJ22 Notification of Submission to the Secretary of Agriculture...). ACTION: Notification of submission to the Secretary of Agriculture. SUMMARY: This document notifies the public as required by the Federal Insecticide, Fungicide, and Rodenticide Act (FIFRA) that the...

  9. Fiscal Federalism

    Directory of Open Access Journals (Sweden)

    Tatiana Mosteanu

    2007-06-01

    Full Text Available The central budget of a country collects only a fraction of the total fiscal revenues and executes only o fraction of the national public expenditures, the rest of the revenues and expenditures becoming the responsability of subnational governments. The economist Charles Tiebout developed a theoretical model which although makes an imperfect description of the reality, shows that people’s mobility is being influenced by tax rates and the amount of state/local expenditures. Thus, he suggests that the degree of responsibility that can be appointed to the local budgets should subscribe to the tax – benefits ratio, the extend of the positive externalities and the scale economies of public goods. Also, the issue of revenues distribution among communities is being raised, being identified three kinds of grants used by the public authorities: matching grants, block grants and conditional block grants. In the concept of fiscal federalism there can be found a limited analogy between national public finance theory and international public finance theory, with the international taxation as the pivotal element.

  10. Interests of Insurance Business and Agricultural Producers: Metamorphoses of Agricultural Insurance with State Support

    Directory of Open Access Journals (Sweden)

    Oleg Nikolaevich Efimov

    2015-12-01

    Full Text Available The paper studies the basic aspects of the system of agricultural insurance with state support in the Russian Federation at the present stage. The relevance of the study is related to the presence of enduring problem that lies in the fact that, despite some efforts by the State of legislative, organizational and economic measures, insurance of agricultural risks in Russia does not give the desired effect. The authors provide clear arguments about the necessity of state support for agriculture, particularly insurance, analyze the volume of subsidized funds from the federal budget for the payment of premiums to insurance companies. The article contains the analysis of the amount of insurance premiums for agricultural insurance in the world and the proportion of premiums collected by Russian agro-stakeholders. The nonoptimality of structure types of agricultural insurance with state support is indicated. The authors describe the main problems and disadvantages of the existing system of agricultural insurance with state support (lack of awareness, a small number of insurance products, high rates of insurance rates, etc., as well as some of the contradictions of the current legislation (the “double subsidies”. As a good example, a model of agricultural insurance in the United States is shown. The reasoned conclusions are made about the imperfection of the current legislation in the area of agricultural insurance, which largely meets the interests of the insurer, not of the insured. It was noted that agricultural insurance with state support in the Russian Federation is insignificant in scale of agricultural areas and in the country as a whole. The authors also make contradictory conclusions on the development of agricultural insurance market in Russia, mainly related to the fact that the system of agricultural insurance in the Russian Federation is only in its infancy.

  11. 76 FR 64892 - Agricultural Policy Advisory Committee and the Agricultural Technical Advisory Committees for...

    Science.gov (United States)

    2011-10-19

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF AGRICULTURE... Department of Justice under the Foreign Agents Registration Act. Committee members must not be federally... not reimbursed for their travel expenses. No person may serve on more than one USDA advisory...

  12. "When you're in a crisis like that, you don't want people to know": mortgage strain, stigma, and mental health.

    Science.gov (United States)

    Keene, Danya E; Cowan, Sarah K; Baker, Amy Castro

    2015-05-01

    We analyzed experiences of stigmatization, concealment, and isolation among African American homeowners who were experiencing mortgage strain. We conducted semistructured interviews between March 2012 and May 2013 with 28 African American homeowners in a northeastern US city who were experiencing mortgage strain. We coded all of the transcripts and reviewed data for codes relating to stigma, sharing information, social support, social isolation, and the meaning of homeownership. Our data showed that mortgage strain can be a concealable stigma. Participants internalized this stigma, expressing shame about their mortgage situation. Additionally, some participants anticipated that others would view them as less worthy given their mortgage trouble. In an effort to avoid stigmatization, many concealed their mortgage trouble, which often led to isolation. This stigmatization, concealment, and isolation seemed to contribute to participants' depression, anxiety, and emotional distress. Stigma may exacerbate stress associated with mortgage strain and contribute to poor mental health, particularly among upwardly mobile African Americans who have overcome significant structural barriers to home ownership. Reducing stigma associated with mortgage strain may help to reduce the health consequences of this stressful life event.

  13. PROSPECTS OF MORTGAGE ARE IN UKRAINE IN THE CONTEXT OF REFORMATION OF THE TAXATION OF PROPERTY: ESTIMATION OF RISKS

    Directory of Open Access Journals (Sweden)

    L. Hudzynska

    2014-12-01

    Full Text Available This article explores the possible risks of taxation introduction of real estate owned by the people, for the system of bank mortgage lending in Ukraine. The current state of the mortgage market in Ukraine is reviewed. The influence of the Institute property taxation in general increase of the fiscal burden on citizens is investigated. A possible state in the contingents of households in terms of pay, including in the investment sphere is reviewed. Approaches of model property taxation, which is owned by citizens, are suggested. Proposed not to tax property (household used by a person as a primary residence. This approach is seen as prevention for loss of real estate that is used as the basis of residence by citizens, in case of loss of solvency over objective, independent reasons, and as a tool to ensure the proper fulfillment of obligations by mortgage according to real contracts.

  14. A national program for energy-efficient mortgages and home energy rating systems: A blueprint for action

    Energy Technology Data Exchange (ETDEWEB)

    1992-03-01

    This Review Draft reports findings and recommendations of the National Collaborative on Home Energy Rating Systems and Mortgage Incentives for Energy Efficiency. The US Department of Energy, in cooperation with the US Department of Housing and Urban Development, formed this National Collaborative as a National Energy Strategy initiative. Participating in the Collaborative were representatives of the primary and secondary mortgage markets, builder and remodeler organizations, real estate and appraiser associations, the home energy rating system industry, utility associations, consumer and public interest groups, state and local government interest groups, and environmental organizations. The Collaborative's purpose was to develop a voluntary national program encouraging energy efficiency in homes through mortgage incentives linked to home energy ratings.

  15. A national program for energy-efficient mortgages and home energy rating systems: A blueprint for action. Review draft

    Energy Technology Data Exchange (ETDEWEB)

    1992-03-01

    This Review Draft reports findings and recommendations of the National Collaborative on Home Energy Rating Systems and Mortgage Incentives for Energy Efficiency. The US Department of Energy, in cooperation with the US Department of Housing and Urban Development, formed this National Collaborative as a National Energy Strategy initiative. Participating in the Collaborative were representatives of the primary and secondary mortgage markets, builder and remodeler organizations, real estate and appraiser associations, the home energy rating system industry, utility associations, consumer and public interest groups, state and local government interest groups, and environmental organizations. The Collaborative`s purpose was to develop a voluntary national program encouraging energy efficiency in homes through mortgage incentives linked to home energy ratings.

  16. Pilot States Program report: Home energy ratings systems and energy-efficient mortgages

    Energy Technology Data Exchange (ETDEWEB)

    Farhar, B.

    2000-04-04

    This report covers the accomplishments of the home energy ratings systems/energy-efficient mortgages (HERS/EEMs) pilot states from 1993 through 1998, including such indicators as funding, ratings and EEMs achieved, active raters, and training and marketing activities. A brief description of each HERS program's evolution is included, as well as their directors' views of the programs' future prospects. Finally, an analysis is provided of successful HERS program characteristics and factors that appear to contribute to HERS program success.

  17. Mortgage of Land Management Right in the Rural Area Under the Policy Context

    Institute of Scientific and Technical Information of China (English)

    Zhimin; ZHAN; Jianchao; LUO

    2013-01-01

    The aim of this study is to explore the necessity to consider the specialty of policy context in ethnic minority area during the policymaking process.Case analysis is applied to study the policy context in microscopic aspect.The information came from two sources:questionnaires or phone calls,and related documents.Study suggested that the mortgage of land management lies in the negligence of temporal dynamic balance when it comes to the mastering of policy context.Optimal plan of method design was given in the end of this paper.

  18. An Analysis of Traditional Issue Specific and Macroeconomic Variables on US Commercial Mortgage Backed Securities

    OpenAIRE

    Ho, Stephen Shai Tak

    2010-01-01

    This paper examines the effects of traditional issue-specific commercial mortgage backed securities (CMBS) variables on US CMBS spreads. In addition, a decomposition of the Conference Board?s US Leading Economic Indicators (LEI) Index will be examined for each of the ten component?s explanatory power for US CMBS spreads. A qualitative examination of the history and setting of the US subprime crisis, features of US CMBS, and an outline of The Conference Board?s US LEI components are provided. ...

  19. Improving federal response to drought

    Energy Technology Data Exchange (ETDEWEB)

    Wilhite, D.A.; Rosenberg, N.J.; Glantz, M.H.

    1986-03-01

    Severe and widespread drought occurred over a large portion of the US between 1974 and 1977. Impacts on agriculture and other industries, as well as local water supplies, were substantial. The federal government responded with forty assistance programs administered by sixteen federal agencies. Assistance was provided primarily in the form of loans and grants to people, businesses and governments experiencing hardship caused by drought. The total cost of the program is estimated at $7-8 billion. Federal response to the mid-1970s drought was largely untimely, ineffective and poorly coordinated. Four recommendations are offered that, if implemented, would improve future drought assessment and response efforts: 1) reliable and timely informational products and dissemination plans; 2) improved impact assessment techniques, especially in the agricultural sector, for use by government to identify periods of enhanced risk and to trigger assistance measures; 3) administratively centralized drought declaration procedures that are well publicized and consistently applied; and 4) standby assistance measures that encourage appropriate levels of risk management by producers and that are equitable, consistent and predictable. The development of a national drought plan that incorporates these four items is recommended. Atmospheric scientists have an important role to play in the collection and interpretation of near-real time weather data for use by government decision makers.

  20. Modern Science and practice of scientists: a study from the discourses and routines of the researchers of the Centre of Agricultural Sciences of the Federal University of ViçosaCiência moderna e prática dos cientistas: um estudo a partir dos discursos e das rotinas dos pesquisadores do Centro de Ciências Agrárias da Universidade Federal de Viçosa

    Directory of Open Access Journals (Sweden)

    Fernanda Henrique Cupertino Alcantara

    2010-12-01

    Full Text Available Este estudo objetivou discutir o processo de assimilação da Ciência e seus produtos na vida social, a partir do advento da modernidade, e apresenta alguns dos discursos a respeito da sua função emancipadora e as posteriores reações críticas a estes discursos. Utiliza-se, como ilustração, uma análise aos discursos e às rotinas de pesquisadores dos programas de pós-graduação stricto sensu do Centro de Ciências Agrárias da Universidade Federal de Viçosa (CCA/UFV. Para tal, como procedimento metodológico, além de profundo levantamento bibliográfico, foi entrevistada uma amostra representativa de 68 pesquisadores do CCA/UFV. Com base nas averiguações feitas, verificou-se que os conhecimentos científicos produzidos pelos pesquisadores do CCA/UFV estão em consonância com as lógicas da Ciência moderna, pois, além de haver uma grande especialização dos cientistas, o setor produtivo exerce importante influência em suas práticas e rotinas.This study aimed to discuss the process of incorporating Science and its products in the social sphere from the advent of modernity, presenting some of the discourses on their emancipatory function and subsequent critical reactions to these discourses. An analysis of the discourses and routines of researchers of strictu sensu post-graduate programs of the Center for Agricultural Sciences of the Federal University of Viçosa (CCA / UFV was used as an example. The methodological procedure was conducted as interviews for a representative sample of 68 researchers from the CCA/UFV. Based on the inquiries made, it was found that the knowledge produced by researchers at CCA/UFV is consistent with the logic of modern Science. Besides having highly specialized scientists, the productive sector has an important influence on the practices and routines of the researchers.

  1. tree composition and distribution in federal university of ...

    African Journals Online (AJOL)

    Tersor

    of human activities which greatly influence the structure, composition and ... Africa, of which Federal University of Agriculture Makurdi is not left out. ... located within the Southern Guinea Savanna ... the west of the (Route A3) Makurdi to Lafia.

  2. Agricultural Finance Statistics, 1960-83

    OpenAIRE

    Amols, George; Kaiser, Wilson

    1984-01-01

    This bulletin presents farm financial statistics, including outstanding farm 4ebt by State and lender and average interest rates for agricultural loans charged by selected lenders for 1960-83. Farm debt includes both real estate and nonrea1 estate debt. Lenders include Commodity Credit Corporation (CCC), Federal land banks, production credit associations, Federal intermediate credit banks, commercial banks, life insurance companies, Farmers Home Administration, and individuals and others.

  3. Housing policy and the granting of mortgage loans in the city of Cúcuta

    Directory of Open Access Journals (Sweden)

    Jhon Antuny Pabón-León

    2017-02-01

    Full Text Available This reflection article focuses on housing policy and the granting of mortgage loans in the city of Cúcuta from promulgation of housing policy. It is a descriptive study of quantitative approach, non-experimental, transectional supported in document review addressing three thematic areas: housing policies of the Government, the housing market and housing finance. The House today on day one of the problems that most affect society due among other factors to the growth of cities and next to it is tenure and housing needs. The crisis of housing in Colombia has been one of the most crippling economic problems in recent years and as a result new instruments are designed to provide effective access to housing and care for the potential beneficiaries. Thus arises the concern about what was the impact on the allocation of mortgage loans in the city of Cúcuta from promulgation of housing policy? It is concluded that although opinions differ on the effectiveness of housing policy clearly program presented a positive balance in the city of Cúcuta.

  4. ANALISIS FLUKTUASI DOLLAR AMERIKA SERIKAT TERHADAP RUPIAH DI SAAT DAN SETELAH KRISIS SUBPRIME MORTGAGE 2007 - 2013

    Directory of Open Access Journals (Sweden)

    Gustiyan Taufik Mahardika

    2015-10-01

    Full Text Available In a floating system, exchange rates fluctuate due to macroeconomic conditions that occur. Due to the uncertainty caused by economic shocks or financial crises such as subprime mortgage crisis, fluctuation analysis can be used to minimize the risks that arise in business that involve exchange rates such as export/import or hedge funds. This study aims to analyze the fluctuations in the exchange rate during and after the subprime mortgage crisis 2007 – 2013 in order to give a better understanding on the dynamics of the exchange rate. By analyzing the dynamics, individuals or companies that make the currency as a component in its business can then decide the right policy to implement. Analyses were performed using an error correction model (ECM for nominal (NER and real exchange rate (RER. The variables that are proven significant for NER are money supply (JUB, current account (CAB, economic growth (EGROW, and the nominal central bank rate (NBIRATE. The dummy crisis variable did not have a significant effect on the NER, while the CAB affect NER in the short run only, and EGROW affect NER in the long run only.DOI: 10.15408/sjie.v3i2.2060

  5. Agriculture ideas and modernization of agriculture

    Directory of Open Access Journals (Sweden)

    Li Kangmin

    2011-12-01

    Full Text Available The development of agriculture has its own history from primitive agriculture, traditional agriculture to modem agriculture. Is it a historical road we must follow?Human being had experienced a long history of living on collection and hunting for about 2,000 to 3,000 millenniums since human being appeared on earth. After we settled down, another 10 millenniums passed. Human being began to cultivate crops and raise animals. Thus, we entered the primitive agriculture stage. The primitive agriculture lasted for 7,000 years to get our food security on primitive crop cultivation and animal raising.

  6. Geographic Distribution of Federal Funds in 1985.

    Science.gov (United States)

    Dubin, Elliott J.

    During the 1980s, federal spending for procurement, particularly defense procurement, retirement and survivors' benefits, medical benefits, and agricultural assistance payments grew dramatically, while spending for grants and salaries and wages lagged. But, the overall distribution of funding between metropolitan and nonmetropolitan areas remained…

  7. Geographic Distribution of Federal Funds in 1985.

    Science.gov (United States)

    Dubin, Elliott J.

    During the 1980s, federal spending for procurement, particularly defense procurement, retirement and survivors' benefits, medical benefits, and agricultural assistance payments grew dramatically, while spending for grants and salaries and wages lagged. But, the overall distribution of funding between metropolitan and nonmetropolitan areas remained…

  8. BIODYNAMIC AGRICULTURE - ECO-FRIENDLY AGRICULTURAL PRACTICE

    Directory of Open Access Journals (Sweden)

    Veselka Vlahova

    2015-06-01

    Full Text Available Biodynamic agriculture is undoubtedly the oldest organized agricultural movement in the world. It is considered as an organic agricultural farming approach and determined as the oldest organized alternative agricultural movement in the world. In 1924 Rudolf Steiner – an Austrian natural scientist and philosopher, carried out a series of eight lectures in Koberwitz, currently Kobierzyce- Poland, where he formulated his visions on changes in agriculture and revealed his spiritual and scientific concepts about the connection between nature and agriculture by determining the important role of agriculture for the future of humanity and thus he became known as “the father of anthroposophy”. The great ecological effect of the application of the biodynamic agriculture is expressed in soil preservation and preservation of the living organisms in the soil, as well as maintenance of the natural balance in the vegetable and animal kingdom.

  9. 24 CFR 203.43j - Eligibility of mortgages on Allegany Reservation of Seneca Nation of Indians.

    Science.gov (United States)

    2010-04-01

    ... Allegany Reservation of Seneca Nation of Indians. 203.43j Section 203.43j Housing and Urban Development... Reservation of Seneca Nation of Indians. A mortgage on a leasehold estate covering a one- to four-family residence located on the Allegany Reservation of the Seneca Nation of Indians in the State of New York...

  10. From Tulip Bulbs to Sub-Prime Mortgages Examining the Sub-Prime Crisis: The Case for a Systemic Approach

    Science.gov (United States)

    Stephens, Alan A.; Atwater, J. Brian; Kannan, Vijay R.

    2013-01-01

    Purpose: The collapse of the sub-prime mortgage market parallels several earlier failures within the financial services sector, begging the question why the lessons of past failures were not learned. Throughout history from the tulip bulb crisis of the 1600s to the most recent economic crisis, decision-makers keep making the same mistakes. This…

  11. 75 FR 67753 - Notice of Submission of Proposed Information Collection to OMB; Application for FHA Insured Mortgage

    Science.gov (United States)

    2010-11-03

    ... Disclosure, Model Pre-insurance Review. Description of the Need for the Information and Its Proposed Use... eligibility of the borrower and proposed mortgage transaction for FHA's insurance endorsement. Lenders seeking FHA's insurance prepare these forms. DATES: Comments Due Date: December 3, 2010. ADDRESSES:...

  12. 78 FR 6855 - High-Cost Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act...

    Science.gov (United States)

    2013-01-31

    ... Mortgage and Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and... Homeownership Counseling Amendments to the Truth in Lending Act (Regulation Z) and Homeownership Counseling... Protection Act's amendments to the Truth in Lending Act and the Real Estate Settlement Procedures Act....

  13. 77 FR 29363 - Wells Fargo Bank, N.A. Subsidiary of Wells Fargo & Company Home Mortgage Division Including On...

    Science.gov (United States)

    2012-05-17

    ... Employment and Training Administration Wells Fargo Bank, N.A. Subsidiary of Wells Fargo & Company Home... to Apply for Worker Adjustment Assistance on December 1, 2011, applicable to workers of Wells Fargo Bank, N.A., Subsidiary of Wells Fargo & Company, Home Mortgage Division, including on-site...

  14. 12 CFR Appendix K to Part 226 - Total Annual Loan Cost Rate Computations for Reverse Mortgage Transactions

    Science.gov (United States)

    2010-01-01

    ... 12 Banks and Banking 3 2010-01-01 2010-01-01 false Total Annual Loan Cost Rate Computations for... charges associated with this loan. These charges typically include principal, interest, closing costs... associated with this loan. These charges typically include principal, interest, closing costs, mortgage...

  15. 78 FR 39901 - Amendments to the 2013 Mortgage Rules Under the Equal Credit Opportunity Act (Regulation B), Real...

    Science.gov (United States)

    2013-07-02

    ... purposes under the mortgage regulations, application of the loan originator compensation rules to bank... disclosures or communications about the risks, costs, and benefits of consumer financial products or services... July 2, 2013 Part IV Bureau of Consumer Financial Protection 12 CFR Parts 1002, 1024, and 1026...

  16. Agricultural Tariff Tracker

    Data.gov (United States)

    Foreign Agricultural Service, Department of Agriculture — The Agricultural Tariff Tool is a web application that queries tariff schedules and rate information resulting from Free Trade Agreements (FTAs). All...

  17. Agricultural Education at Risk.

    Science.gov (United States)

    Evans, Donald E.

    1988-01-01

    Discusses educational reform in the context of agricultural education. Covers a recent report on agricultural education reform by the National Academy of Sciences, state legislative initiatives, and several recommendations for the future of agricultural education. (CH)

  18. Urban Agriculture Guide

    NARCIS (Netherlands)

    Visser, A.J.; Jansma, J.E.; Dekking, A.J.G.; Klieverik, M.J.M.

    2007-01-01

    The Urban Agriculture Guide describes the experiences, learning moments, tips and tricks of those involved in the initiatives of urban agriculture and an indication is provided of what is required to develop urban agriculture further in the Netherlands

  19. Agricultural SWOT analysis and wisdom agriculture design of chengdu

    Science.gov (United States)

    Zhang, Qian; Chen, Xiangyu; Du, Shaoming; Yin, Guowei; Yu, Feng; Liu, Guicai; Gong, Jin; Han, Fujun

    2017-08-01

    According to the status of agricultural information, this paper analyzed the advantages, opportunities and challenges of developing wisdom agriculture in Chengdu. By analyzed the local characteristics of Chengdu agriculture, the construction program of Chengdu wisdom agriculture was designed, which was based on the existing agricultural informatization. The positioning and development theme of Chengdu agriculture is leisure agriculture, urban agriculture and quality agriculture.

  20. To Analyze Asset Quality of Loans from Mortgage Indicator%从抵(质)押物指标分析贷款资产质量

    Institute of Scientific and Technical Information of China (English)

    张欢

    2004-01-01

    This paper studied the relations between the quality of credit assets and the quality of mortgages in the bank credit management. It stated that it was possible to analyze the quality of credit assets through analyzing the quality of mortgages. This paper initiated a new method to study the credit risk and constructed a new index using this method: Mortgage-amending default ratio of assets. This index was testified that it could describe the credit risk effectively through the case study. The paper concluded that this index should be adopted.

  1. 7 CFR 501.14 - Non-Federal law enforcement.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 6 2010-01-01 2010-01-01 false Non-Federal law enforcement. 501.14 Section 501.14...-Federal law enforcement. Research Center special policemen may be deputized by State or local law... State or local law enforcement agency, the facilities or services of such State or local law enforcement...

  2. Love & Mortgage

    Institute of Scientific and Technical Information of China (English)

    Penny; Kamanga

    2011-01-01

    Good looks and a steady job may not be enough in China’s increasingly competitive marriage market.More men feel forced to own a home before they can get down on one knee to propose. Rising real estate prices complicate matters, and may cause some men to abandon their marriage ambitions entirely.Writer Penny

  3. 76 FR 70639 - Agricultural Career and Employment Grants Program; Correction

    Science.gov (United States)

    2011-11-15

    ... From the Federal Register Online via the Government Publishing Office DEPARTMENT OF AGRICULTURE Office of Advocacy and Outreach 7 CFR Part 2502 RIN 0503-AA49 Agricultural Career and Employment Grants Program; Correction AGENCY: Office of Advocacy and Outreach, Departmental Management, USDA....

  4. Journal of Integrative Agriculture

    Institute of Scientific and Technical Information of China (English)

    2015-01-01

    Aims and Scope Journal of Integrative Agriculture (JIA), formerly Agricultural Sciences in China (ASC), founded in 2002, is an official publication of the Chinese Academy of Agricultural Sciences (CAAS). JIA seeks to publish those papers that are influential and will significantly advance scientific understanding in agriculture fields worldwide.

  5. Theme: Agricultural Literacy.

    Science.gov (United States)

    Deeds, Jacquelyn P.; And Others

    1991-01-01

    Six theme articles attempt to define and advocate agricultural literacy, review the status of K-8 agricultural literacy programs in states, discuss an Oklahoma study of agricultural literacy, clarify the meaning of sustainable agriculture, and describe the Future Farmers of America's Food for America program for elementary students. (SK)

  6. Sustainable agriculture - selected papers

    OpenAIRE

    Krasowicz, Stanisław; Wrzaszcz, Wioletta; Zegar, Jozef St.

    2007-01-01

    The concept of research on socially sustainable agriculture. Features of sustainable agriculture. Sustainability of private farms in the light of selected criteria. Subsistence agricultural holdings and the sustainable development of agriculture. Sustainable farms in the light of the FADN data. Description of organic holdings in Poland.

  7. Handbook of Agricultural Geophysics

    Science.gov (United States)

    Geophysical methods continue to show great promise for use in agriculture. The term “agricultural geophysics” denotes a subdiscipline of geophysics that is focused only on agricultural applications. The Handbook of Agricultural Geophysics was compiled to include a comprehensive overview of the geoph...

  8. 26 CFR 1.6050H-1T - Information reporting of mortgage interest received in a trade or business from individuals after...

    Science.gov (United States)

    2010-04-01

    ... received from a trust, estate, partnership, association, company, or corporation. Q-3: Does the reporting... is a mortgage shall be made without regard to the interest recipient's classification of...

  9. Information Transfer and the Adoption of Agricultural Innovations.

    Science.gov (United States)

    Longo, Rose Mary Juliano

    1990-01-01

    Data collected in the Federal District of Brazil were analyzed in terms of information transfer through mass media and interpersonal communication and how they influence farmers in the Federal District of Brazil in their decisions to adopt agricultural innovations. (42 references) (EAM)

  10. FGD uses in agriculture: status of federal regulations and support

    Science.gov (United States)

    In 2010 the EPA proposed regulations under RCRA to address the disposal of CCRs. Initially, the EPA proposed two regulatory options: 1) continue to regulate under Subtitle D, or 2) regulate under the more restrictive Subtitle C. After extensive study during the rulemaking process, EPA established r...

  11. Determinanten europäischer CMBS spreads: ein empirisches Modell zur Bestimmung der Risikoaufschläge von commercial mortgage-backed securities (CMBS)

    OpenAIRE

    Heidorn, Thomas; Pleißner, Mathias

    2008-01-01

    This paper tracks a structured financial innovation, the commercial mortgage-backed security which is not as novel as current discussion around the sub-prime crisis let assume. However, CMBS as credit-derivatives feature various factors that influence the risks arising from a commercial-mortgage credit agreement as well as marked-risks influenced by economy and marked behaviour. Risks of CMBS are generally evaluated by rating agencies, but volatile market prices show, that investors have diff...

  12. 76 FR 5787 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2011-02-02

    ... Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant Programs... Perkins Loan, Federal Work-Study (FWS), and Federal Supplemental Educational Opportunity Grant (FSEOG... Federal Perkins Loan Program, Federal Work-Study Program, and Federal Supplemental Educational...

  13. 25 CFR 162.201 - Must agricultural land be managed in accordance with a tribe's agricultural resource management...

    Science.gov (United States)

    2010-04-01

    ... violate a federal statute or judicial decision or conflict with our general trust responsibility under... and objectives in any agricultural resource management plan developed by the tribe, or by us in close... meeting records and existing survey documents, reports, and other research from federal agencies,...

  14. Federal Fleet Report

    Data.gov (United States)

    General Services Administration — Annual report of Federal agencies' motor vehicle fleet data collected in the Federal Automotive Statistical Tool (FAST), a web-based reporting tool cosponsored by...

  15. TAP Service Federation Factory

    Science.gov (United States)

    Hume, A. C.; Krause, A.; Holliman, M.; Mann, R. G.; Noddle, K.; Voutsinas, S.

    2012-09-01

    This paper describes a prototype federation service for multiple TAP endpoints. Users can create a new TAP resource that allows them to query the federation as if all tables were in a single database.

  16. 19 CFR 12.16 - Joint regulations of the Secretary of the Treasury and the Secretary of Agriculture.

    Science.gov (United States)

    2010-04-01

    ... and the Secretary of Agriculture. 12.16 Section 12.16 Customs Duties U.S. CUSTOMS AND BORDER... of Agriculture. (a) The importation into the United States of agricultural and vegetable seeds and... and the Secretary of Agriculture under section 402(b) of the Federal Seed Act of August 9, 1939 (7 CFR...

  17. An Investigation into the Fundamental Drivers of Pricing of Residential Mortgage Products – A Risk Pricing Viewpoint

    Directory of Open Access Journals (Sweden)

    Harry M Karamujic

    2010-12-01

    Full Text Available Residential mortgage products (also known as home loans pricing has been long understood to be something of a ‘dark art’, requiring judgment and experience, rather than being an exact science. In the last decade, a lot has changed in this field and more and more lenders, primarily the larger lenders, are increasingly looking to make their pricing as exact as possible. Even so, inadequate pricing of residential mortgage products (in particular its substandard risk pricing has been seen as one of major causes of the global financial crisis (GFC and subsequent spectacular banking collapses. The underlying theme of the paper is to exhibit how contemporary lenders, in practice, price their residential mortgage products. While discussing elements of the pricing calculation particular attention was given to the exposition of how contemporary lenders price risks involved in providing home loans. Because of the importance of Basel capital accords to how financial institutions assess and quantify their risks, the paper provides an overview of Basel capital accords. The author envisages that the paper will (i help enhance comprehension of the underlying elements of the pricing calculation and the ways in which these elements relate to each other, (ii scrutinize how contemporary lenders identify and quantify risks and (iii improve consciousness of future changes in interest rates

  18. An Investigation into the Fundamental Drivers of Pricing of Residential Mortgage Products – A Risk Pricing Viewpoint

    Directory of Open Access Journals (Sweden)

    Harry M Karamujic

    2010-12-01

    Full Text Available Residential mortgage products (also known as home loans pricing has been long understood to be something of a ‘dark art’, requiring judgment and experience, rather than being an exact science. In the last decade, a lot has changed in this field and more and more lenders, primarily the larger lenders, are increasingly looking to make their pricing as exact as possible. Even so, inadequate pricing of residential mortgage products (in particular its substandard risk pricing has been seen as one of major causes of the global financial crisis (GFC and subsequent spectacular banking collapses. The underlying theme of the paper is to exhibit how contemporary lenders, in practice, price their residential mortgage products. While discussing elements of the pricing calculation particular attention was given to the exposition of how contemporary lenders price risks involved in providing home loans. Because of the importance of Basel capital accords to how financial institutions assess and quantify their risks, the paper provides an overview of Basel capital accords. The author envisages that the paper will (i help enhance comprehension of the underlying elements of the pricing calculation and the ways in which these elements relate to each other, (ii scrutinize how contemporary lenders identify and quantify risks and (iii improve consciousness of future changes in interest rates

  19. Traditional Agriculture and Permaculture.

    Science.gov (United States)

    Pierce, Dick

    1997-01-01

    Discusses benefits of combining traditional agricultural techniques with the concepts of "permaculture," a framework for revitalizing traditions, culture, and spirituality. Describes school, college, and community projects that have assisted American Indian communities in revitalizing sustainable agricultural practices that incorporate…

  20. Traditional Agriculture and Permaculture.

    Science.gov (United States)

    Pierce, Dick

    1997-01-01

    Discusses benefits of combining traditional agricultural techniques with the concepts of "permaculture," a framework for revitalizing traditions, culture, and spirituality. Describes school, college, and community projects that have assisted American Indian communities in revitalizing sustainable agricultural practices that incorporate…

  1. Traditional Agriculture and Permaculture.

    Science.gov (United States)

    Pierce, Dick

    1997-01-01

    Discusses benefits of combining traditional agricultural techniques with the concepts of "permaculture," a framework for revitalizing traditions, culture, and spirituality. Describes school, college, and community projects that have assisted American Indian communities in revitalizing sustainable agricultural practices that incorporate cultural…

  2. Agriculture: Land Use

    Science.gov (United States)

    Land Use and agriculture. Information about land use restrictions and incentive programs.Agricultural operations sometimes involve activities regulated by laws designed to protect water supplies, threatened or endangered plants and animals, or wetlands.

  3. Urban Agricultural Education.

    Science.gov (United States)

    Corbellini, Margaret

    1991-01-01

    John Bourne High School in Queens, New York, offers an agricultural program enrolling more than 400 students. The curriculum includes agricultural career exploration, plant and animal science, summer land laboratories, and a special education component. (SK)

  4. Innovations in urban agriculture

    NARCIS (Netherlands)

    Schans, van der J.W.; Renting, Henk; Veenhuizen, Van René

    2014-01-01

    This issuehighlights innovations in urban agriculture. Innovation and the various forms of innovations are of particular importance because urban agriculture is adapted to specific urban challenges and opportunities. Innovation is taking place continuously, exploring the multiple fundions of urban

  5. National Agriculture Imagery Program

    Data.gov (United States)

    U.S. Geological Survey, Department of the Interior — The National Agriculture Imagery Program (NAIP) acquires aerial imagery during the agricultural growing seasons in the continental U.S. A primary goal of the NAIP...

  6. Agriculture: Climate Change

    Science.gov (United States)

    Climate change affects agricultural producers because agriculture and fisheries depend on specific climate conditions. Temperature changes can cause crop planting dates to shift. Droughts and floods due to climate change may hinder farming practices.

  7. Agricultural Libraries and Information.

    Science.gov (United States)

    Russell, Keith W., Ed.; Pisa, Maria G., Ed.

    1990-01-01

    Eleven articles address issues relating to agricultural libraries and information, including background on agricultural libraries and information, trend management, document delivery, reference services, user needs and library services, collection development, technologies for international information management, information sources,…

  8. Innovations in urban agriculture

    NARCIS (Netherlands)

    Schans, van der J.W.; Renting, Henk; Veenhuizen, Van René

    2014-01-01

    This issuehighlights innovations in urban agriculture. Innovation and the various forms of innovations are of particular importance because urban agriculture is adapted to specific urban challenges and opportunities. Innovation is taking place continuously, exploring the multiple fundions of urban a

  9. 75 FR 12217 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2010-03-15

    ... Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant programs... Perkins Loan, Federal Work-Study (FWS), and Federal Supplemental Educational Opportunity Grant (FSEOG.... (2) General Provisions for the Federal Perkins Loan Program, Federal Work-Study Program, and...

  10. 77 FR 4547 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2012-01-30

    ... Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant Programs... requests and documents from postsecondary institutions for the Federal Perkins Loan, Federal Work-Study.... (2) General Provisions for the Federal Perkins Loan Program, Federal Work-Study Program, and...

  11. 78 FR 14776 - Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant...

    Science.gov (United States)

    2013-03-07

    ... Federal Perkins Loan, Federal Work-Study, and Federal Supplemental Educational Opportunity Grant Programs... requests and documents from postsecondary institutions for the Federal Perkins Loan, Federal Work-Study..., Federal Work-Study Program, and Federal Supplemental Educational Opportunity Grant Program, 34 CFR...

  12. 78 FR 54841 - Notification of Submission to the Secretary of Agriculture; Pesticides; Satisfaction of Data...

    Science.gov (United States)

    2013-09-06

    ... Agriculture. SUMMARY: This document notifies the public as required by the Federal Insecticide, Fungicide, and... AGENCY 40 CFR Part 152 RIN 2070-AJ58 Notification of Submission to the Secretary of Agriculture... Department of Agriculture (USDA) a draft final rule titled: ``Pesticides; Satisfaction of Data...

  13. Institutional capacity for designing and implementing agricultural and rural development policies and strategies in Nigeria:

    OpenAIRE

    Adebayo, Kolawole; Babu, Suresh Chandra; Rhoe, Valerie

    2009-01-01

    This study assessed the capacity for designing and implementing agricultural and rural development policies, strategies, and programs in Nigeria. Data for this study were derived from initial consultations at the Federal Ministry of Agriculture and Water Resources (FMAWR), Federal Ministry of Women affairs and Social Development (FMWASD), and the Federal Ministry of Environment (FMEnv) early in 2008. Two consultation workshops were also held, one for relevant staff in the ministries, parastat...

  14. Innovations in urban agriculture

    OpenAIRE

    2014-01-01

    This issuehighlights innovations in urban agriculture. Innovation and the various forms of innovations are of particular importance because urban agriculture is adapted to specific urban challenges and opportunities. Innovation is taking place continuously, exploring the multiple fundions of urban agriculture, including food security, income generation and environmental management.

  15. Case Study: the Use of Agile on Mortgage Application: Evidence from Thailand

    Directory of Open Access Journals (Sweden)

    Kreecha Puphaiboon

    2014-09-01

    Full Text Available This paper presents a case study of a mortgage loan origination project using SCRUM Agile model and Business Process Management and Business Rule Management System (BPMS and BRMS. From the Waterfall model (Stage 1, a web-based self-developed had been developed using opensource frameworks: Spring and Sarasvati. But, several problems were detected and the project failed due to insufficient project management, rapid requirement changes and developer coding skills. The project was continued (Stage 2 selecting a BPMS and BRMS tool. Later, Stage 3 SCRUM was executed with proper project management and the new tool, which suited better for rapid business needs, and minimum coding. An efficient team communication and the frequent delivery of code releases increasingly contributed to the sponsor and user’s satisfaction. However, due to political influenced timeline, inexperienced project management and requirement changes, the budget exceeds and SCRUM is not favored. Nonetheless, Open-end questionnaire and interview results with core team members both business users and developers as well as software usability measurement inventory (SUMI conducted with 14 users, it shows that SCRUM and the new tool rescue the project. Empirically, this paper demonstrates a method to evaluate the use of Agile augmented with usability measurement to Agile development community.

  16. Convergence Studies on Monte Carlo Methods for Pricing Mortgage-Backed Securities

    Directory of Open Access Journals (Sweden)

    Tao Pang

    2015-05-01

    Full Text Available Monte Carlo methods are widely-used simulation tools for market practitioners from trading to risk management. When pricing complex instruments, like mortgage-backed securities (MBS, strong path-dependency and high dimensionality make the Monte Carlo method the most suitable, if not the only, numerical method. In practice, while simulation processes in option-adjusted valuation can be relatively easy to implement, it is a well-known challenge that the convergence and the desired accuracy can only be achieved at the cost of lengthy computational times. In this paper, we study the convergence of Monte Carlo methods in calculating the option-adjusted spread (OAS, effective duration (DUR and effective convexity (CNVX of MBS instruments. We further define two new concepts, absolute convergence and relative convergence, and show that while the convergence of OAS requires thousands of simulation paths (absolute convergence, only hundreds of paths may be needed to obtain the desired accuracy for effective duration and effective convexity (relative convergence. These results suggest that practitioners can reduce the computational time substantially without sacrificing simulation accuracy.

  17. Bank Valuation and Its Connections with the Subprime Mortgage Crisis and Basel II Capital Accord

    Directory of Open Access Journals (Sweden)

    C. H. Fouche

    2008-01-01

    Full Text Available The ongoing subprime mortgage crisis (SMC and implementation of Basel II Capital Accord regulation have resulted in issues related to bank valuation and profitability becoming more topical. Profit is a major indicator of financial crises for households, companies, and financial institutions. An SMC-related example of this is the U.S. bank, Wachovia Corp., which reported major losses in the first quarter of 2007 and eventually was bought by Citigroup in September 2008. A first objective of this paper is to value a bank subject to Basel II based on premiums for market, credit, and operational risk. In this case, we investigate the discrete-time dynamics of banking assets, capital, and profit when loan losses and macroeconomic conditions are explicitly considered. These models enable us to formulate an optimal bank valuation problem subject to cash flow, loan demand, financing, and balance sheet constraints. The main achievement of this paper is bank value maximization via optimal choices of loan rate and supply which leads to maximal deposits, provisions for deposit withdrawals, and bank profitability. The aforementioned loan rates and capital provide connections with the SMC. Finally, OECD data confirms that loan loss provisioning and profitability are strongly correlated with the business cycle.

  18. AGRICULTURAL POLICIES AND COMPETITION IN WORLD AGRICULTURE

    Directory of Open Access Journals (Sweden)

    Raluca Duma

    2011-04-01

    Full Text Available Agricultural policies have had a guiding role inagriculture development and implicitly in their marketing. Usually they belongto each state and government and are issued in accordance with their specificclimate, social-economic and cultural background which includes food andgastronomic traditions. Agricultural policies have in view home and foreignmarket demand, as well as the socio-demographic, political and military contextat a certain point in the socio-economic development

  19. Agricultural science and ethics

    DEFF Research Database (Denmark)

    Gjerris, Mickey; Vaarst, Mette

    2014-01-01

    , about 20 % of the world's coral reefs and 35 % of the mangrove areas were lost (Millennium Ecosystem Assessment 2005). In the following, the development of agricultural science will be sketched out and the role of ethics in agricultural science will be discussed. Then different views of nature that have...... shaped agriculture and the role of science in agriculture will be discussed by analyzing some of the presumptions behind the concept of ecosystem services and the way animals are viewed. Finally, the concepts of animal welfare and sustainability will be explored to show how they make vivid the connection...... between agricultural science and ethics....

  20. 25 CFR 166.311 - Is an Indian agricultural resource management plan required?

    Science.gov (United States)

    2010-04-01

    ... federal statute or judicial decision or conflict with our general trust responsibility under federal law. ... agricultural resource management plan developed by the tribe, or by us in close consultation with the tribe... and existing survey documents, reports, and other research from federal agencies, tribal...

  1. THE BANKING SYSTEM OF THE RUSSIAN FEDERATION: STATUS AND PROSPECTS

    Directory of Open Access Journals (Sweden)

    L. N. Sotnikova

    2015-01-01

    Full Text Available The features and current trends in the development of the banking system of the Russian Federation are highlighted in the article. The authors propose an original method of evaluation of activities of credit organizations with the use of statistical data and rating agencies. The concept of the banking system is summarized in this article. Also its structure is analyzed by the number of credit institutions and the quality of their operations. The authors identifie differences between the concepts of banking service, banking operation and banking product and propose classification according to different characteristics of banking institutions and operations that they carry out. Then the authors go to estimating the volume of banking services in Russia and their patterns in total. Separately the main passive (deposits and loans and active operations (lending to legal entities and individuals are characterized. The authors identifie the major developments in the banking system of the Russian Federation in 2014 due to political and economic sanctions by the U.S. and Eurozone countries. The article provides a vision of the authors on the further development of the banking activity in Russia and proposes specific measures to adapt the banking system of the Russian Federation in a constantly changing political and economic conditions (financial sanctions, a change of key Central Bank rates, devaluation, etc.. According to the authors' opinion the expected prospects of development of the banking system of the Russian Federation to 2015 are: the growth in savings accounts in banks; sanctions will be of a personal nature and will not affect the largest credit institutions; the active growth of the corporate loan portfolio will continue; the growth of retail lending portfolio will continue to slow; mortgage lending will increase in the total loan portfolio of the banking sector of Russia.

  2. 77 FR 26304 - Federal Housing Administration (FHA) Healthcare Facility Documents: Proposed Revisions and...

    Science.gov (United States)

    2012-05-03

    ...-insured mortgage transactions, consistent with modern real estate and mortgage lending laws and practices... of Liability Insurance. HUD-91124-OHP Design Architect 26 2 52 0.33 17 83 1,444 Certification. HUD...

  3. Reorganization of Agricultural Extension toward Green Agriculture

    Directory of Open Access Journals (Sweden)

    Mohammad S. Allahyari

    2009-01-01

    Full Text Available Problem statement: Considering unsustainable agricultural conditions of Iran and organizational recession and inability of current extension organization to achieve sustainability, it seems that extension systems require a new organizational structure to achieve sustainability objectives. The purpose of the present study was to identify the most appropriate characteristics for extension organization toward green agriculture in Iran context. Approach: To fulfill this objective, a sample of 120 respondents was selected through simple random sampling technique. A survey study was applied as a methodology of research. A mailed questionnaire was used to collect the data. The response rate of questionnaire was 65.83% (N = 79. Appropriate descriptive statistics such as mean scores, standard deviations and variation ratio were used. Results: Extension experts believed that among important organizational characteristics of extension system for supporting green agriculture collaboration among research, extension, education organizations, farmers' associations, NGOs, rural credit agencies, transportation companies, considering local groups and learning organization had very high importance for supporting green agriculture. According to factor analysis, the implications for extension organization were categorized into two groups consisting: (1 Holistic organizations (2 Participatory organizations that those factors explained 67.54% of the total variance of the research variables. Conclusion: Identifying suitable extension mechanisms had important role for developing extension system. Therefore, identifying extension organizational characteristics for supporting green agriculture of Iran is one of the major approaches needs to be carefully thought and accurately implemented for the extension system development.

  4. MODERNIZATION OF AGRICULTURE VS SUSTAINABLE AGRICULTURE

    Directory of Open Access Journals (Sweden)

    Dariusz KUSZ

    2014-04-01

    Full Text Available The paper shows the correlation between the need to modernise agriculture and sustainable development. Modernisation of agriculture aiming only at increasing the efficiency of production, if implemented in accordance with the principles of sustainable development, enabled reduction in the negative external effects. Modernisation of agriculture is supposed to ensure productivity growth without imposing any threats to the natural environment and the well-being of animals, reduced impoverishment in rural areas as well as to ensure food security, growth in the profitability of farms, improvement to the efficiency of use of natural resources. Therefore, in the near future, the agriculture – environment relation will be subject to change taking into account, on the one hand, concern about the natural environment, and, on the other, pressure on increasing the efficiency of production. The above challenges will be addressed by the need to implement efficient and, at the same time, environmentally-friendly production technologies and relevant legal instruments which oblige agricultural producers to protect the natural environment.

  5. 75 FR 81145 - Members of Federal Home Loan Banks

    Science.gov (United States)

    2010-12-27

    ... savings and loan association (the core business of which is mortgage lending) are apt to be significantly... loans and mortgage related securities may constitute the core business of certain types of eligible... package should be logged at the Guard Desk, First Floor, on business days between 9 a.m. and 5 p.m. FOR...

  6. Sustainable Agricultural Marketing Initiatives

    OpenAIRE

    Hakan Adanacıoğlu

    2015-01-01

    Sustainable marketing is a holistic approach that puts equal emphasis on environmental, social equity, and economic concerns in the development of marketing strategies. The purpose of the study is to examine and discuss the sustainable agricultural marketing initiatives practiced throughout the World and Turkey, and to put forth suggestions to further improve the performance of agricultural marketing initiatives in Turkey. Some of the sustainable agricultural marketing initiatives practiced a...

  7. Ukraine Agricultural Competitiveness

    OpenAIRE

    2008-01-01

    The agri-food sector is an important part of the Ukrainian economy. Agriculture could make an even larger contribution to economic growth and the vitality of rural areas in Ukraine than is currently the case. Ukraine has the agro-climatic potential to be a major player on world agricultural markets. Agricultural competitiveness in Ukraine also suffers from inadequate systems to test and do...

  8. Organic Agriculture and Nanotechnology

    OpenAIRE

    Jahanban, Leila; Davari, Mohammadreza

    2014-01-01

    Organic agriculture is a holistic production management system which promotes and enhances agro-ecosystem health, including biodiversity, biological cycles and soil biological activity. On the other hand, nanotechnology is a rapidly developing domain of research and practice, the terminology is in a state of flux and usage is evolving. Nano-applications are being applied across the entire agriculture and food sectors. In agriculture, for example, nano-pesticides and nano-sensors are changing ...

  9. 77 FR 62513 - Federal Open Market Committee; Domestic Policy Directive of September 12-13, 2012

    Science.gov (United States)

    2012-10-15

    ... payments on all agency debt and agency mortgage-backed securities in the System Open Market Account in ] agency mortgage-backed securities. The Desk is also directed to begin purchasing agency mortgage-backed... securities with remaining maturities of 6 years to 30 years with a total face value of about $267 billion by...

  10. 78 FR 2996 - Federal Open Market Committee; Domestic Policy Directive of December 11-12, 2012

    Science.gov (United States)

    2013-01-15

    ... policy of reinvesting principal payments on all agency debt and agency mortgage-backed securities in the System Open Market Account in agency mortgage-backed securities. The Desk is also directed to continue purchasing agency mortgage-backed securities at a pace of about $40 billion per month. The Committee directs...

  11. Federalism, Agenda Setting, and the Dynamics of Federal Education Policy.

    Science.gov (United States)

    Manna, Paul

    This paper is part of a larger project on agenda setting in the U.S. federal system and the development of the federal education agenda since 1965. Two questions motivate the paper, one theoretical and the other empirical: (1) how does federalism affect the federal agenda?; and (2) what explains the development of federal involvement in K-12…

  12. Agriculture - reconciling ancient tensions

    Directory of Open Access Journals (Sweden)

    David Atkinson

    2002-09-01

    Full Text Available Decision-making in agriculture has tended to be driven by factors other than environmental concerns. This may be changing, and perhaps the emphases of the two creation accounts in Genesis (responsible management or 'dominion', and active care may become more important. The paper examines a number of current developments in agriculture (synthetic fertilizers and pesticides, genetic manipulation, and organic versus industrial methodologies and discusses the issues they raise for agricultural productivity and the human communities dependent on farming. The questions raised are complex; we are faced with establishing a new paradigm for agricultural practice.

  13. Agriculture and private sector

    DEFF Research Database (Denmark)

    Sahin, Sila; Prowse, Martin Philip; Weigh, Nadia

    Agriculture is and will continue to be critical to the futures of many developing countries. This may or may not be because agriculture can contribute directly and/or indirectly to economic growth. But it will certainly be critical because poverty is still predominantly a rural phenomenon...... and this looks set to remain for the next two decades at least. The agriculture and growth evidence paper series has been developed to cover a range of issues that are of most relevance to DFID staff. The paper is not intended to be a comprehensive overview of all issues relating to agriculture and the private...

  14. Malawi - Conservation Agriculture

    Data.gov (United States)

    Millennium Challenge Corporation — The randomized control trial impact evaluation tests different strategies for communicating information about agricultural technologies to smallholder maize farmers...

  15. Regionalisation of Croatian Agriculture

    Directory of Open Access Journals (Sweden)

    Ferdo Bašić

    2007-03-01

    Full Text Available After becoming self-standing state one of new needs of Croatia important for agricultural profession, farmers, policy makers and public needs was regionalization of agriculture. It is the analyse of state of agroecological conditions in agrosphere and based on results identification and territorial separation of agricultural regions as parts of agrosphere with similar conditions for plant and animal growing and similar farming systems. On this track within a special project we fi nished an inventory of agrosphere, result of which is Regionalisation of Croatian Agriculture presented in this paper. Following wise message of old Chinese proverb cited above, the starting approach is the MFCAL concept (Multifunctional Character of Agriculture and Land, which means that apart from very important and primary economic, agriculture and agricultural land (soil in human life play other roles (functions of similar importance; environmental, social, cultural and spatial, as well as the role of shaping the cultural landscape as a factor of rural development. As well, we respect the point of view prevailing in EU that all natural resources used in agriculture but at the fi rst place soil as a major one, need sustainable use and efficient protection. Using the data on Land resource potential based primarily on data of General Soil Map of Croatia (GSM in a scale of 1:50 000 and results of our research in the period 2000 – 2003, the agrosphere of Croatia is divided in three agricultural regions; Pannonian with four, Mountain with two and Adriatic with three subregions.

  16. New spatially continuous indices of redlining and racial bias in mortgage lending: links to survival after breast cancer diagnosis and implications for health disparities research.

    Science.gov (United States)

    Beyer, Kirsten M M; Zhou, Yuhong; Matthews, Kevin; Bemanian, Amin; Laud, Purushottam W; Nattinger, Ann B

    2016-07-01

    Racial health disparities continue to be a serious problem in the United States and have been linked to contextual factors, including racial segregation. In some cases, including breast cancer survival, racial disparities appear to be worsening. Using the Home Mortgage Disclosure Act (HMDA) database, we extend current spatial analysis methodology to derive new, spatially continuous indices of (1) racial bias in mortgage lending and (2) redlining. We then examine spatial patterns of these indices and the association between these new measures and breast cancer survival among Black/African American women in the Milwaukee, Wisconsin metropolitan area. These new measures can be used to examine relationships between mortgage discrimination and patterns of disease throughout the United States.

  17. New Discussion On Several Problems Of Construction-in-process Mortgage%对我国在建工程抵押制度若干问题的新探讨

    Institute of Scientific and Technical Information of China (English)

    王磊

    2015-01-01

    The mortgage system on projects under construction is firstly clarified in Measures on the Administration of Mortgage of Urban Real Estate. And then this system is stipulated in Property Law of the People’s Republic of China and Measures for Building Registration, by which a preliminary system has been formed on the mortgage system on projects under construction. However, opinions are different on perceiving this system. On the basis of concluding the existing theories and analyzing practice and related laws and regulations on projects, the author put forwards his own opinions from the following perspectives: recognition of constructing projects, scope of application for mortgage system on projects under construction and whether the unfinished part of project can be mortgaged. At the end of this article, the author further discussed the opinions mentioned above combining with analyzing opinions and cases published by the courts.

  18. On the strong solution of a class of partial differential equations that arise in the pricing of mortgage backed securities

    KAUST Repository

    Parshad, Rana

    2011-01-01

    We consider a reduced form pricing model for mortgage backed securities, formulated as a non-linear partial differential equation. We prove that the model possesses a weak solution. We then show that under additional regularity assumptions on the initial data, we also have a mild solution. This mild solution is shown to be a strong solution via further regularity arguments. We also numerically solve the reduced model via a Fourier spectral method. Lastly, we compare our numerical solution to real market data. We observe interestingly that the reduced model captures a number of recent market trends in this data, that have escaped previous models.

  19. Clustering of agricultural enterprises

    Directory of Open Access Journals (Sweden)

    Michaela Beranová

    2013-01-01

    Full Text Available Agricultural business is a very specific branch which is characterized by very low financial performance while this characteristic is given mainly by external factors as market pricing of agricultural commodities on one side, and production costs of agricultural commodities on the other side. This way, agricultural enterprises recognize negative values of gross margin in the Profit and Loss Statement but positive value of operating profit after even there are items of costs which are deducted. These results are derived from agricultural production subsidies which are recognized as income in the P/L Statement. In connection with this fact, the government subsidies are a substantial component of financial performance of agricultural enterprises.Primary research proceeded on the statistical sample of one hundred agricultural companies, has shown that also other specifics influencing financial performance of these businesses exist here. In order to determine the influences, the cluster analysis has been applied at using more than 10 variables. This approach has led to construction of clusters (groups of agricultural business entities with different characteristics of the group. The objective of this paper is to identify the main determinants of financial performance of agricultural enterprises and to determine their influences under different economic characteristics of these business entities. For this purpose, the regression analysis has been subsequently applied on the groups of companies coming out from the cluster analysis. Besides the operating profit which is the main driving force of financial performance measured with the economic value added (EVA in agricultural enterprises, also capital structure and cost of capital have been observed as very strong influences on financial performance but these factors have different directions of their influence on the economic value added under different financial characteristics of agricultural

  20. 75 FR 34755 - Privacy Act; Proposed Alteration to Existing Systems of Records, Single Family Mortgage Asset...

    Science.gov (United States)

    2010-06-18

    ... telecommunication device for hearing- and speech- impaired individuals (TTY) is available at 1-800-877-8339 (Federal... 20410. CONTESTING RECORD PROCEDURES: The procedures for requesting amendment or correction of records...

  1. ACA Federal Upper Limits

    Data.gov (United States)

    U.S. Department of Health & Human Services — Affordable Care Act Federal Upper Limits (FUL) based on the weighted average of the most recently reported monthly average manufacturer price (AMP) for...

  2. China Disabled Persons' Federation

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    China Disabled Persons' Federation (CDPF), founded in Beijing in 1988, is a national organization of/for all persons with disabilities (PWDs) of different categories in China. Mr. Deng Pufang is currently the Chairman.

  3. Federal Ballpark Estimator

    Data.gov (United States)

    Office of Personnel Management — The Federal Ballpark E$timate(R) was developed by the Employee Benefit Research Institute(R) and its American Savings Education Council(R) (ASEC(R)) program. It is...

  4. New Mexico Federal Lands

    Data.gov (United States)

    Earth Data Analysis Center, University of New Mexico — This map layer consists of federally owned or administered lands of the United States, Puerto Rico, and the U.S. Virgin Islands. Only areas of 640 acres or more are...

  5. Integrated vs. Federated Search

    DEFF Research Database (Denmark)

    Løvschall, Kasper

    2009-01-01

    Oplæg om forskelle og ligheder mellem integrated og federated search i bibliotekskontekst. Holdt ved temadag om "Integrated Search - samsøgning i alle kilder" på Danmarks Biblioteksskole den 22. januar 2009.......Oplæg om forskelle og ligheder mellem integrated og federated search i bibliotekskontekst. Holdt ved temadag om "Integrated Search - samsøgning i alle kilder" på Danmarks Biblioteksskole den 22. januar 2009....

  6. The Urban Agriculture Circle

    NARCIS (Netherlands)

    Jansma, J.E.; Chambers, Joe; Sabas, Eva; Veen, E.J.

    2015-01-01

    The lack of inclusion of urban agriculture in city planning directly affects the success of initiatives in this sector, which subsequently could impede fu-ture innovations. The poor representation of urban agriculture in planning can be attributed to a lack of understanding about its multi-functiona

  7. Agricultural Technology Opportunities.

    Science.gov (United States)

    North Carolina State Board of Education, Raleigh. Agricultural Technology Education Section.

    Agricultural education programs available through North Carolina's newly created system of industrial education center, technical institutes, and community colleges are described. The information is for use by administrators, and teachers of adult agricultural courses and counselors of high school dropouts and graduates. It describes the need for…

  8. Legislature Abolishes Agricultural Tax

    Institute of Scientific and Technical Information of China (English)

    2006-01-01

      China's 2,600-year-old agricultural tax will be rescinded as of Jan. 1,2006, after China's top legislature voted on December 27 to adopt a motion on the regulations revoking the agricultural tax.……

  9. Good Wetland Agricultural Practices

    NARCIS (Netherlands)

    Hengsdijk, H.; Zingstra, H.L.

    2009-01-01

    Within the Guiding Agriculture Wetland Interaction (GAWI) project the Driver!Pressure!State! Impact!Response (DPSIR) approach has been adopted to describe and analyse agriculture!wetland interactions. The DPSIR approach provides a consistent framework to analyse the complex causal chain among

  10. Agricultural lung diseases.

    OpenAIRE

    Kirkhorn, S R; Garry, V F

    2000-01-01

    Agriculture is considered one of the most hazardous occupations. Organic dusts and toxic gases constitute some of the most common and potentially disabling occupational and environmental hazards. The changing patterns of agriculture have paradoxically contributed to both improved working conditions and increased exposure to respiratory hazards. Animal confinement operations with increasing animal density, particularly swine confinement, have contributed significantly to increased intensity an...

  11. Biomass Resources: Agriculture

    NARCIS (Netherlands)

    Kluts, Ingeborg N.; Brinkman, Marnix L. J.; de Jong, Sierk A.; Junginger, H. Martin

    2017-01-01

    Bioenergy is the single largest source of renewable energy in the European Union (EU-28); of this, 14% was produced from agricultural feedstocks in 2012. This chapter provides an overview of the current use (for bioenergy) and future potential of agricultural feedstocks for (amongst others)

  12. Conservation Agriculture in Europe

    Directory of Open Access Journals (Sweden)

    Á. Kertész

    2014-03-01

    Yield performance and stability, operating costs, environmental policies and programs of the Common Agricultural Policy (CAP, and climate change will likely be the major driving forces defining the direction and for the extension of CA in Europe. The role of agriculture in climate change mitigation in the EU is discussed in the paper.

  13. Theme: Marketing Agricultural Education.

    Science.gov (United States)

    Staller, Bernie L.; And Others

    1988-01-01

    Consists of six articles on marketing agricultural education. Topics include (1) being consumer conscious, (2) cooperating with agribusiness, (3) preparing students for postsecondary education, (4) allowing concurrent enrollments, (5) saving the failing agricultural program, and (6) refocusing the curriculum toward agrimarketing. (CH)

  14. Theme: Urban Agriculture.

    Science.gov (United States)

    Ellibee, Margaret; And Others

    1990-01-01

    On the theme of secondary agricultural education in urban areas, this issue includes articles on opportunities, future directions, and implications for the profession; creative supervised experiences for horticulture students; floral marketing, multicultural education; and cultural diversity in urban agricultural education. (JOW)

  15. Identifying International Agricultural Concepts for Secondary Agricultural Education Curriculum

    Science.gov (United States)

    Conner, Nathan W.; Gates, Hailey; Stripling, Christopher T.

    2017-01-01

    The globalization of the agriculture industry has created an emerging need for agricultural education in the United States to take a more globalized approach to prepare students for future careers in agriculture. The purpose of this study was to identify international agricultural concepts for secondary agricultural education curriculum. A Delphi…

  16. 77 FR 8860 - Pesticide Emergency Exemptions; Agency Decisions and State and Federal Agency Crisis Declarations

    Science.gov (United States)

    2012-02-15

    ... AGENCY Pesticide Emergency Exemptions; Agency Decisions and State and Federal Agency Crisis Declarations... to control unforeseen pest outbreaks. FOR FURTHER INFORMATION CONTACT: See each emergency exemption... be potentially affected by this action if you are an agricultural producer, food manufacturer,...

  17. Local Authority Residential Mortgage Credit: A Source of Non-Market Sub-Prime Homeloans for Low-Income households

    Directory of Open Access Journals (Sweden)

    Dermot Coates

    2008-01-01

    Full Text Available As the volume of mortgage credit has risen in tandem with house price inflation, the sub-prime homeloan sector of this market has begun to expand in order to meet demand from those not serviced by the mainstream financial service providers. This article examines the role of local authorities in providing residential mortgages and assesses whether those who have traditionally borrowed from non-market (or public sector lenders would be considered to be sub-prime borrowers by the private sector. It concludes that, in view of the relatively low average incomes of this cohort of borrowers, they represent a higher probability of homeloan default and as a consequence, would be subject to a higher cost of credit in the private sector. However, this paper highlights the favourable terms offered by local authorities and argues that their failure to price according to the risk profile of borrowers exposes the Exchequer to higher – and often unquantified – costs in pursuit of promoting home-ownership.

  18. 浅论对住房抵押贷款保险的认识%On Insurance of Home Mortgage

    Institute of Scientific and Technical Information of China (English)

    吕晓娟; 张瑞敏

    2011-01-01

    众所周知,购买住房消费是金额巨大且手续及为复杂的商品交易.对于相当大的一部分家庭来说,购买商品住房,仍然严重存在着资金不足的问题.住房抵押贷款的出现为房地产市场的发展注入了极大的活力,却无疑加大了贷款银行的风险.住房抵押贷款保险的出台使银行、房地产公司、保险公司和购房者均实现了"多赢",为推动房地产业的和谐发展作出了巨大的贡献.%As is well known, purchasing houses is a kind of commodity transaction which involves a big sum of money and sophisticated procedures.For a majority of families, they don't have enough money to afford commercial houses. The emergence of the home mortgage revitalizes housing market;however,it also enlarges the risk of the loan banks. The introduction of the insurance of home mortgage results in the "win-wins"of the banks, the housing markets, the insurance companies and the buyers; meanwhile, it contributes to the harmonious development of housing markets greatly.

  19. Long range dependency and forecasting of housing price index and mortgage market rate: evidence of subprime crisis

    Directory of Open Access Journals (Sweden)

    Nadhem Selmi

    2015-05-01

    Full Text Available In this paper, we examine and forecast the House Price Index (HPI and mortgage market rate in terms of the description of the subprime crisis. We use a semi-parametric local polynomial Whittle estimator proposed by Shimotsu et al. (2005 [Shimotsu, K., & Phillips, P.C.B. (2005, Exact local Whittle estimation of fractional integration. The Annals of Statistics, 33(4, 1890-1933.] in a long memory parameter time series. Empirical investigation of HPI and mortgage market rate shows that these variables are more persistent when the d estimates are found on the Shimotsu method than on the one of Künsch (1987 [Künsch, H.R. (1987. Statistical aspects of self-similar processes. In Y. Prokhorov and V.V. Sazanov (eds., Proceedings of the First World Congress of the Bernoulli Society, VNU Science Press, Utrecht, 67-74.]. The estimating forecast values are more realistic and they strongly reflect the present US economy actuality in the two series as indicated by the forecast evaluation topics.

  20. 75 FR 63695 - Designation of Biobased Items for Federal Procurement

    Science.gov (United States)

    2010-10-18

    ... ethanol led to additional rain forest destruction. The commenter further stated that because more corn was... Agriculture (USDA) is amending the Guidelines for Designating Biobased Products for Federal Procurement, to add eight sections to designate items within which biobased products will be afforded...

  1. 78 FR 9883 - Lake Tahoe Basin Federal Advisory Committee

    Science.gov (United States)

    2013-02-12

    ... between 8:00 a.m. and 8:00 p.m., Eastern Standard Time, Monday through Friday. SUPPLEMENTARY INFORMATION... in advising the Secretary of Agriculture and the Lake Tahoe Federal Interagency Partnership on... Interagency Partnership on how to work cooperatively to protect the extraordinary natural, recreational,...

  2. IRM in the Federal Government: Opinions and Reflections.

    Science.gov (United States)

    Haney, Glenn P.

    1989-01-01

    Evaluates various aspects of federal information resources management and reviews technological changes within the Department of Agriculture to illustrate current issues and future trends in information resources management. Topics discussed include telecommunications and networking; distributed processing and field office automation; the role of…

  3. Innovative Programs in Agricultural Education.

    Science.gov (United States)

    American Vocational Association, Inc., Washington, DC.

    Developmental programs resulting from the increased emphasis on off-farm agricultural occupations and considered innovative by state wupervisors of agricultural education are described: (1) 17 high school vocational agriculture programs in horticulture, agricultural mechanics, forestry and conservation, agriculture and distribution, cooperative…

  4. Agriculture and private sector

    OpenAIRE

    Sahin, Sila; Prowse, Martin Philip; Weigh, Nadia

    2014-01-01

    Agriculture is and will continue to be critical to the futures of many developing countries. This may or may not be because agriculture can contribute directly and/or indirectly to economic growth. But it will certainly be critical because poverty is still predominantly a rural phenomenon and this looks set to remain for the next two decades at least. The agriculture and growth evidence paper series has been developed to cover a range of issues that are of most relevance to DFID staff. The pa...

  5. Atoms in Agriculture

    Energy Technology Data Exchange (ETDEWEB)

    Osborne, Thomas S. [University of Tennessee

    1965-01-01

    Agriculture benefits from the applications of research. Radioactive techniques have been used to study soils, plants, microbes, insects, farm animals, and new ways to use and preserve foodstuffs. Radioactive atoms are not used directly by farmers but are used in research directed by the U. S. Department of Agriculture and Atomic Energy Commission, by the agricultural experiment stations of the various states, and by numerous public and private research institutions. From such research come improved materials and methods which are used on the farm.

  6. Federalism and Health Care

    Directory of Open Access Journals (Sweden)

    G. Alan Tarr

    2011-10-01

    Full Text Available President Barack Obama proposed a major overhaul of the American healthsystem, and in 2010 the U.S. Congress enacted his proposal, the PatientProtection and Affordable Care Act. Opponents of the Act challenged itsconstitutionality in federal court, claiming that it exceeds the powers grantedto the federal government under the Commerce Clause and the NecessaryProper Clause of the federal Constitution. Some courts have upheldthe law, but others have agreed with the critics, in particular ruling thatthe provision requiring citizens to buy health insurance is unconstitutional.Eventually the U.S. Supreme Court will rule on the issue. This article tracesthe controversy, surveys the interpretation of pertinent constitutional provisionsin past cases, analyzes the constitutional arguments presented byproponents and opponents of the Act, and concludes that the Act is constitutional.

  7. Organic agriculture in the Netherlands

    NARCIS (Netherlands)

    Sukkel, W.; Hommes, M.

    2009-01-01

    Dutch organic agriculture has unique characteristics and peculiarities. It is still a relatively small sector compared to conventional agriculture in the Netherlands. However, its market share is growing and organic agriculture leads the way in terms of sustainability and innovations

  8. New Research in Organic Agriculture

    DEFF Research Database (Denmark)

    1996-01-01

    The book is the proceedings from the bi-annual international scientific conference on organic agriculture. The chapters are: - plant and soil interactions, - animal production systems, - traditional knowledge in sustainable agriculture, - research, education and extension in sustainable agriculture...

  9. Journal of Agriculture and Social Research (JASR) Vol. 8, No. 2, 2008

    African Journals Online (AJOL)

    2Department of Agricultural Economics and Extension Tech,. Federal .... benefit from production with and without hybrid maize seed, and Ii is the 'utility index' of ... such experience could become an impediment to adoption of innovation.

  10. Agricultural Drainage Well Intakes

    Data.gov (United States)

    Iowa State University GIS Support and Research Facility — Locations of surface intakes for registered agriculture drainage wells according to the database maintained by IDALS. Surface intakes were located from their...

  11. Agricultural Producer Certificates

    Data.gov (United States)

    Montgomery County of Maryland — A Certified Agricultural Producer, or representative thereof, is an individual who wishes to sell regionally-grown products in the public right-of-way. A Certified...

  12. World Agricultural Production

    Data.gov (United States)

    Department of Agriculture — Monthly report on crop acreage, yield and production in major countries worldwide. Sources include reporting from FAS’s worldwide offices, official statistics of...

  13. Agriculture: Nurseries and Greenhouses

    Science.gov (United States)

    Nurseries and Greenhouses. Information about environmental requirements specifically relating to the production of many types of agricultural crops grown in nurseries and greenhouses, such as ornamental plants and specialty fruits and vegetables.

  14. Nonpoint Source: Agriculture

    Science.gov (United States)

    Agricultural runoff as a nonpoint source category of pollution. Resouces to learn more a bout conservation practices to reduce water quality impacts from storm water run off and ground water infiltration

  15. Agricultural Minerals Operations

    Data.gov (United States)

    Department of Homeland Security — This map layer includes agricultural minerals operations in the United States. The data represent commodities covered by the Minerals Information Team (MIT) of the...

  16. Agricultural Health and Safety

    Science.gov (United States)

    ... of injury from working with livestock Risk of electrocution to persons operating large equipment that can contact ... which identifies common agricultural hazards and provides safety solutions for employers and young workers to prevent accidents ...

  17. Collaboration in Agricultural Education.

    Science.gov (United States)

    Peterson, Roland L.; And Others

    1995-01-01

    Theme articles discuss environment, food, agriculture, and renewal resources as they relate to science education, learning partnerships, collaboration in Kyrghyzstan, leadership development, opportunities for collaboration, networking, and the creation of a shared course between agribusiness and biology. (JOW)

  18. Collaboration in Agricultural Education.

    Science.gov (United States)

    Peterson, Roland L.; And Others

    1995-01-01

    Theme articles discuss environment, food, agriculture, and renewal resources as they relate to science education, learning partnerships, collaboration in Kyrghyzstan, leadership development, opportunities for collaboration, networking, and the creation of a shared course between agribusiness and biology. (JOW)

  19. Journal of Agricultural Extension

    African Journals Online (AJOL)

    Mission Statement The mission of the "Journal of Agricultural Extension" is to publish ... diffusion and adoption of innovations; extension communication models and ... Socio-Economic Determinants of Cocoyam Farmer's Strategies for Climate ...

  20. Department of Agriculture

    Science.gov (United States)

      Topics Animal Health Biotechnology Climate Solutions Conservation Disaster and Emergency Preparedness Employee Services Energy Environment and Natural Resources Ethics Farm Bill Food and Nutrition Food Safety Forestry Housing Assistance Laws and Regulations Organic Agriculture ...

  1. Agriculture and private sector

    DEFF Research Database (Denmark)

    Sahin, Sila; Prowse, Martin Philip; Weigh, Nadia

    Agriculture is and will continue to be critical to the futures of many developing countries. This may or may not be because agriculture can contribute directly and/or indirectly to economic growth. But it will certainly be critical because poverty is still predominantly a rural phenomenon...... and this looks set to remain for the next two decades at least. The agriculture and growth evidence paper series has been developed to cover a range of issues that are of most relevance to DFID staff. The paper is not intended to be a comprehensive overview of all issues relating to agriculture and the private...... sector. It concentrates on those areas that are of particular focus for DFID policy and strategy....

  2. Agricultural policy schemes

    DEFF Research Database (Denmark)

    Hansen, Henning Otte

    2016-01-01

    and is financed by consumers, while deficiency payments operate in the so-called low price system and are financed by taxpayers. In the high price system, support is given mainly by means of import regulations, etc., which ensure a relatively high domestic price. In the low price system, support is given by means...... in agricultural policy and they have different functions and impacts. Market price support and deficiency payments are two very important instruments in agricultural policy; however, they belong to two different support regimes or support systems. Market price support operates in the so-called high price system...... of direct support, while market prices are left undistorted at, or close to, world market level. The two different support systems have very different implications for agricultural production, financing, markets, and other aspects; still, there is an income transfer to agriculture in both systems. During...

  3. Federalism and health policy.

    Science.gov (United States)

    Nathan, Richard P

    2005-01-01

    This paper presents a cyclical theory of U.S. federalism and social policy: Many social policy initiatives are tested and refined at the state level, especially during conservative periods, and later morph into national policies. The paper describes such federalism cycles and offers an interpretation of why and how they occur, focusing on Medicaid. State activism has preserved and expanded Medicaid through policy innovation and resistance to retrenchment, especially in conservative periods, by taking advantage of the flexibility the program provides. I conclude that Medicaid's incremental/partnership approach is appropriate and feasible to build on for a future expansion of health care coverage.

  4. World competitiveness and agriculture

    Directory of Open Access Journals (Sweden)

    J. van Zyl

    1997-07-01

    Full Text Available Against the background of a changing environment in which market factors and greater world trade and competitiveness are increasingly becoming the only criteria for success, a framework for the analysis of world competitiveness is initially developed. This is followed by a discussion on the growth of productivity in agriculture, as well as an exposition of the role of agricultural research. Thirdly, price factors and the terms of trade are discussed, followed by a summary of policy implications.

  5. USSR Report, Agriculture

    Science.gov (United States)

    2007-11-02

    rations for ruminant animals. Its preparation from corn of milky-waxy ripeness, assuming the observance of all of the technological requirements, makes...combines of the agricultural chemicals association or on the kolkhozes and sovkhozes for the preservation of liquid preservatives or special means of...Tatar combine of the agricultural chemicals association, liquid preserv- atives are kept in wide-diameter polytheylene pipes.. A storage unit with

  6. Scoping Agriculture, Wetland Interactions

    OpenAIRE

    2015-01-01

    Agriculture is identified as the main cause of wetland degradation and loss. Using a drivers, pressures, state changes, impacts and responses (DPSIR) framework to analyze 90 cases drawn from all parts of the world and all wetland types, this report assesses the character of agriculture - wetlands interactions (AWIs) and their impacts in socio-economic and ecosystem services terms. The report is a technical framework that is used to scope out the relevance and nature of AWIs, identify response...

  7. 农村宅基地抵押试点运行机制研究%Operation Mechanism for Experimental Mortgage of House Sites in the Countryside

    Institute of Scientific and Technical Information of China (English)

    朱凌珂

    2014-01-01

    现行农村宅基地使用权抵押试点分别以财产流转性收益和农村金融市场扩展为抵押主题,采取农民房屋所有权并附属宅基地使用权间接抵押和宅基地使用权直接抵押两种模式,多种类型。试点宅基地使用权抵押融资存在抵押权合法性、抵押物处置效力的法律风险。宅基地使用权抵押应遵循适合我国土地政策和农民利益需求的合理途径,完善抵押登记制度;宅基地使用权转让应适度市场化运作,其受让后的宅基地使用权期限界定为30年为宜。%Currently , there are two themes of experimental mortgage of right to use house sites in the cou-ntryside , one is income of transferring property , and the other expanding rural financial market .There are two experimental models and several types , one is indirect mortgage of ownership of farmers ’ house and affiliated right to use house sites , and the other direct mortgage of right to use house sites .Experimental mortgage finan-cing of right to use house sites may take such legal risks as mortgage legitimacy and the disposal of the mort -gaged property .Mortgage of right to use house sites should follow the reasonable ways that fit land policies in our country and the interest of the farmers .Improve the system of mortgage registration , and abide by market-oriented operation on transferring right to use house sites .It is suggested that the time for transferee ’ s right to use house sites shall be 30 years advisably .

  8. 7 CFR 2.44 - Administrator, Risk Management Agency and Manager, Federal Crop Insurance Corporation.

    Science.gov (United States)

    2010-01-01

    ... 7 Agriculture 1 2010-01-01 2010-01-01 false Administrator, Risk Management Agency and Manager... Secretary for Farm and Foreign Agricultural Services to the Administrator, Risk Management Agency, and... for the transaction of the business of the Federal Crop Insurance Corporation and the Risk...

  9. 29 CFR 500.132 - Applicable Federal standards: ETA and OSHA housing standards.

    Science.gov (United States)

    2010-07-01

    ..., DEPARTMENT OF LABOR REGULATIONS MIGRANT AND SEASONAL AGRICULTURAL WORKER PROTECTION Motor Vehicle Safety and Insurance for Transportation of Migrant and Seasonal Agricultural Workers, Housing Safety and Health for Migrant Workers Housing Safety and Health § 500.132 Applicable Federal standards: ETA and OSHA...

  10. 29 CFR 500.133 - Substantive Federal and State safety and health standards defined.

    Science.gov (United States)

    2010-07-01

    ..., DEPARTMENT OF LABOR REGULATIONS MIGRANT AND SEASONAL AGRICULTURAL WORKER PROTECTION Motor Vehicle Safety and Insurance for Transportation of Migrant and Seasonal Agricultural Workers, Housing Safety and Health for Migrant Workers Housing Safety and Health § 500.133 Substantive Federal and State safety and...

  11. 7 CFR Appendix A to Part 15b - List of Federal Financial Assistance From USDA

    Science.gov (United States)

    2010-01-01

    ..., 16 U.S.C. 581i-1. 69. Grants for support of scientific research Act of September 6, 1958, 42 U.S.C... assistance for agricultural cooperatives Cooperative Marketing Act of 1926, 7 U.S.C., Secs. 451-457. Administered by the Agricultural Marketing Service 2. Federal-State marketing improvement program Sec....

  12. Site-specific cultivation systems for energy plants. Results of the joint project ''Development and comparison of optimized cultivation systems for the agricultural production of energy plants at different site-specific conditions in the Federal Republic of Germany, EVA I''. 3. rev. and enl. ed.; Standortangepasste Anbausysteme fuer Energiepflanzen. Ergebnisse des Verbundprojektes ''Entwicklung und Vergleich von optimierten Anbausystemen fuer die landwirtschaftliche Produktion von Energiepflanzen unter den verschiedenen Standortbedingungen Deutschlands, EVA I''

    Energy Technology Data Exchange (ETDEWEB)

    NONE

    2010-03-15

    With respect to the estimations of the Agency for Renewable Ressources (Guelzow, Federal Republic of Germany), nearly 2 millions ha of the area of arable land in Germany were used for the production of renewable raw materials in the last years. The production of vegetable energy sources only was limited on few cultural species. This led to criticism by organisations of nature protection and environmental protection. The joint project 'Development and comparison of optimized cultivation system for the agricultural production of energy plants at different site specific conditions in the Federal Republic of Germany' was one of the most extensive national agrarian research projects of the past years. This joint project offers practice-relevant knowledge to efficient and sustainable cultivation systems of energy plants. The brochure under consideration reports on the results of the first project phase of this joint project.

  13. 12 CFR 338.9 - Mortgage lending of a controlled entity.

    Science.gov (United States)

    2010-01-01

    ... refers any applicants to a controlled entity and which purchases any home purchase loans or home improvement loans as defined in Regulation C of the Board of Governors of the Federal Reserve Board (12 CFR... written agreement shall provide that the entity shall: (a) Comply with the requirements of §§ 338.3, 338.4...

  14. 78 FR 59366 - Multifamily, Healthcare Facilities, and Hospital Mortgage Insurance Premiums for Fiscal Year (FY...

    Science.gov (United States)

    2013-09-26

    ... insurance premiums (MIPs) for Federal Housing Administration (FHA) Multifamily, Healthcare Facilities, and... MIPs are the same as in FY 2013. In addition, the Notice clarifies that conventional or FHA-insured... affordability criteria as defined in this Notice, are eligible for the LIHTC MIPs as are projects with new...

  15. 75 FR 50801 - Reverse Mortgage Products: Guidance for Managing Compliance and Reputation Risks

    Science.gov (United States)

    2010-08-17

    ..., internal controls, and third party risk management for institutions. This guidance may be particularly... significantly affect the overall effectiveness of an institution's compliance and risk management efforts with... Committee of the Federal Financial Institutions Examination Council (FFIEC), to address compliance and...

  16. Energy policy and federalism

    Energy Technology Data Exchange (ETDEWEB)

    Thur, L.M. (ed.)

    1981-04-01

    Separate abstracts are prepared for six papers presented as the product of an international seminar on Energy Policy and Federalism in North America. Specially commissioned papers for the seminar are presented along with a summary of the discussions. The summary appears in English, French, and Spanish; the other papers are in English. (MCW)

  17. Federal Forecasters Directory, 1995.

    Science.gov (United States)

    National Center for Education Statistics (ED), Washington, DC.

    This directory lists employees of the federal government who are involved in forecasting for policy formation and trend prediction purposes. Job title, agency, business address, phone or e-mail number, and specialty areas are listed for each employee. Employees are listed for the following agencies: (1) Bureau of the Census; (2) Bureau of Economic…

  18. Future Federal Role.

    Science.gov (United States)

    USA Today, 1982

    1982-01-01

    Reviews comments by United States Secretary of Education Terrel H. Bell about the future federal role in higher education. The role will be confined to student financial aid and support for research. Bell's statements about the quality of higher education are also included. (SR)

  19. Federal budget timetable

    Science.gov (United States)

    This is the federal budget timetable under the Balanced Budget and Emergency Deficit Control Act of 1985 (Gramm-Rudman-Hollings). These deadlines apply to fiscal years (FY) 1987-1991. The deficit reduction measures in Gramm-Rudman-Hollings would lead to a balanced budget in 1991.

  20. Journal of Agricultural Extension Vol.17 (2) December, 2013 ISSN ...

    African Journals Online (AJOL)

    ONIKOYI

    research; (i) Capacity building of farmers; (j) Joint monitoring and evaluation of projects. These roles ... the agricultural departments of the various LGAs for proper and adequate ... governments have been known to have hijacked and diverted federal governments ... development programme they are expected to carry out.

  1. Biosurfactants in agriculture.

    Science.gov (United States)

    Sachdev, Dhara P; Cameotra, Swaranjit S

    2013-02-01

    Agricultural productivity to meet growing demands of human population is a matter of great concern for all countries. Use of green compounds to achieve the sustainable agriculture is the present necessity. This review highlights the enormous use of harsh surfactants in agricultural soil and agrochemical industries. Biosurfactants which are reported to be produced by bacteria, yeasts, and fungi can serve as green surfactants. Biosurfactants are considered to be less toxic and eco-friendly and thus several types of biosurfactants have the potential to be commercially produced for extensive applications in pharmaceutical, cosmetics, and food industries. The biosurfactants synthesized by environmental isolates also has promising role in the agricultural industry. Many rhizosphere and plant associated microbes produce biosurfactant; these biomolecules play vital role in motility, signaling, and biofilm formation, indicating that biosurfactant governs plant-microbe interaction. In agriculture, biosurfactants can be used for plant pathogen elimination and for increasing the bioavailability of nutrient for beneficial plant associated microbes. Biosurfactants can widely be applied for improving the agricultural soil quality by soil remediation. These biomolecules can replace the harsh surfactant presently being used in million dollar pesticide industries. Thus, exploring biosurfactants from environmental isolates for investigating their potential role in plant growth promotion and other related agricultural applications warrants details research. Conventional methods are followed for screening the microbial population for production of biosurfactant. However, molecular methods are fewer in reaching biosurfactants from diverse microbial population and there is need to explore novel biosurfactant from uncultured microbes in soil biosphere by using advanced methodologies like functional metagenomics.

  2. PROBLEMS OF PRAVOSUB'EKTNOSTI OF AGRICULTURAL COOPERATIVES

    Directory of Open Access Journals (Sweden)

    Novoselov A. V.

    2016-06-01

    Full Text Available In this article the legal capacity and capacity of agricultural cooperatives fixed by the existing civil legislation of the Russian Federation, and also the international acts is considered. The concept and the maintenance of right subjectivity of legal entities in relation to such special look as agricultural production and agricultural consumer cooperatives is analyzed. The main essential differences in legal status and the maintenance of legal capacity of agricultural production and agricultural consumer cooperatives on the basis of the analysis of the agricultural cooperative legislation, law-enforcement practice and the existing points of view of various authors (scientists-lawyers are determined by this perspective in scientific literature. Proceeding from the detailed historical analysis cooperative legislative (both Russian, and international, and also the operating standard establishments, scientific views logical conclusions are drawn on lack of essential differences in legal status of agricultural production and agricultural consumer cooperatives. Besides, the reasoned conclusions are drawn on special legal status of agricultural cooperatives in system of legal entities and on shortcomings of the existing Russian civil legislation defining the bases for classification of legal entities and establishing their legal status. For the purpose of improvement and solution of problems of right subjectivity of agricultural cooperatives a number of measures of legislative character which are able to afford not only to allocate, isolate especially agricultural cooperatives from other organizational and legal forms of legal entities is offered, but also to make them the independent subjects of business activity possessing specific inherent only it right subjectivity that will allow to give them the special status and to increase their appeal and efficiency for the purpose of revival of agricultural branch of economy of Russia

  3. A career in government: my experiences working for the U.S. Department of Agriculture-Agricultural Research Service

    Science.gov (United States)

    The agricultural sector provides highly diverse career opportunities that include private companies, academic institutions, non-government organizations, and government agencies. One possible career path is with the Federal government which is one of the largest employers of scientists and engineers...

  4. [Effects of agricultural activities and transgenic crops on agricultural biodiversity].

    Science.gov (United States)

    Zhang, Xi-Tao; Luo, Hong-Bing; Li, Jun-Sheng; Huang, Hai; Liu, Yong-Bo

    2014-09-01

    Agricultural biodiversity is a key part of the ecosystem biodiversity, but it receives little concern. The monoculture, environmental pollution and habitat fragmentation caused by agricultural activities have threatened agricultural biodiversity over the past 50 years. To optimize agricultural management measures for crop production and environmental protection, we reviewed the effects of agricultural activities, including cultivation patterns, plastic mulching, chemical additions and the cultivation of transgenic crops, on agricultural biodiversity. The results showed that chemical pesticides and fertilizers had the most serious influence and the effects of transgenic crops varied with other factors like the specific transgene inserted in crops. The environmental risk of transgenic crops should be assessed widely through case-by-case methods, particularly its potential impacts on agricultural biodiversity. It is important to consider the protection of agricultural biodiversity before taking certain agricultural practices, which could improve agricultural production and simultaneously reduce the environmental impacts.

  5. The utilisation of the product life cycle concept in South African banks dealing with mortgage products and markets

    Directory of Open Access Journals (Sweden)

    F. J. Herbst

    2005-12-01

    Full Text Available The purpose of the study as demarcated in this article was to test the use of the product life cycle concept (PLC theory among marketing decision-makers and product decision-makers dealing with mortgage products and markets in the leading South African Banks. The main focus was to test the application and likelihood to use the PLC assumptions provided by Kotler (2003:340 on marketing characteristics, described marketing objectives and the proposed marketing strategies in the four PLC phases. A major finding was that the majority of these decision-makers in banks indicated a high likelihood of continuing to use the product life cycle concept. Another important conclusion of this study was that further empirical research is needed to develop product life cycle concept assumptions to be inclusive of the intangible nature linked to the marketing of services.

  6. Federal Agency Satellite Requirements.

    Science.gov (United States)

    1985-07-01

    detect sizable areas of standing water, and to recognize drought conditions and their onset. In the Sahel , for example, observations from about 50...Regional Environmental Problems d AID believes that far more can be done to estimate agricultural production in threatened regional areas such as the Sahel ...management activities. Remotely sensed data show only the land surface, and the information on the occurrence and salinity of ground water must be

  7. 75 FR 6883 - Temporary Agricultural Employment of H-2A Aliens in the United States

    Science.gov (United States)

    2010-02-12

    ... Temporary Agricultural Employment of H-2A Aliens in the United States; Final Rule #0;#0;Federal Register... Temporary Agricultural Employment of H-2A Aliens in the United States AGENCY: Employment and Training... services involved in the petition; and (B) The employment of the alien in such labor or services will not...

  8. 77 FR 47351 - Notification of Submission to the Secretaries of Agriculture and Health and Human Services...

    Science.gov (United States)

    2012-08-08

    ... Agriculture and Health and Human Services; Declaration of Prion as a Pest Under FIFRA; Related Amendments; and... submission to the Secretaries of Agriculture and Health and Human Services. SUMMARY: This document notifies the public as required by the Federal Insecticide, Fungicide, and Rodenticide Act (FIFRA) that the...

  9. 77 FR 47351 - Notification of Submission to the Secretary of Agriculture; Pesticides; Regulation To Clarify...

    Science.gov (United States)

    2012-08-08

    ... AGENCY 40 CFR Part 168 RIN 2070-AJ53 Notification of Submission to the Secretary of Agriculture... (EPA). ACTION: Notification of submission to the Secretary of Agriculture. SUMMARY: This document notifies the public as required by the Federal Insecticide, Fungicide, and Rodenticide Act (FIFRA) that...

  10. 77 FR 16990 - Notification of Submission to the Secretary of Agriculture of Two Draft Regulatory Documents...

    Science.gov (United States)

    2012-03-23

    ... of Agriculture of Two Draft Regulatory Documents Under FIFRA AGENCY: Environmental Protection Agency (EPA). ] ACTION: Notification of submission to the Secretary of Agriculture. SUMMARY: This document notifies the public as required by section 25(a) of the Federal Insecticide, Fungicide, and Rodenticide...

  11. 44 CFR 351.26 - The United States Department of Agriculture.

    Science.gov (United States)

    2010-10-01

    ... 44 Emergency Management and Assistance 1 2010-10-01 2010-10-01 false The United States Department of Agriculture. 351.26 Section 351.26 Emergency Management and Assistance FEDERAL EMERGENCY... PREPAREDNESS Interagency Assignments § 351.26 The United States Department of Agriculture. (a) Assist FEMA in...

  12. 76 FR 27003 - Notice of Meeting of the Agricultural Air Quality Task Force

    Science.gov (United States)

    2011-05-10

    ... Natural Resources Conservation Service Notice of Meeting of the Agricultural Air Quality Task Force AGENCY...: Notice of meeting. SUMMARY: The Agricultural Air Quality Task Force (AAQTF) will meet to continue... Updates D. Federal Travel Regulations E. Air Quality Issues/Concerns from Previous Task Force...

  13. 77 FR 7565 - Solicitation of Input From Stakeholders Regarding the Agriculture and Food Research Initiative

    Science.gov (United States)

    2012-02-13

    ...; ] DEPARTMENT OF AGRICULTURE National Institute of Food and Agriculture Solicitation of Input From Stakeholders... Federal Register of February 1, 2012, concerning a notice of public meeting and request for stakeholder... AFRI stakeholders. However, all comments must be received by close of business on March 22, 2012, to...

  14. Urban Agriculture Program Planning Guide.

    Science.gov (United States)

    Hemp, Paul E.; Ethridge, Jim

    Urban agriculture may be defined as those areas of agriculture that are practiced in metropolitan settings, plus knowledge and skills in agricultural subject areas which lead to vocational proficiency and improved quality of life or effective citizenship. Agriculture areas that are especially significant in urban settings include ornamental…

  15. [Musculoskeletal disorders in agriculture].

    Science.gov (United States)

    Bernard, Christophe; Tourne, Mathias

    2007-06-15

    Musculoskeletal disorders (MSD) are a major area of concern in the occupational world. The agricultural industry is particularly affected: 93 percent of occupational diseases in agriculture are MSD. Carpal tunnel syndrome occurs in one third of the cases. Shoulder is the second most common location. The most affected occupational areas are meat production, viticulture, market gardening, horticulture and small animal farming. This MSD phenomenon, of multifactorial origin, which has been amplifying for two decades, has led to some consensus in terms of definition and prevention strategy. The aim is to identify, limit or even suppress risk factors through worker training as well as through actions related to work organization. Regarding occupational health and safety in agriculture, two fronts of progress have been mentioned: the creation of a statistic observatory of MSD (disease, occupational area and cost) and the assessment of prevention activities. Finally, a new issue is being discussed: sustainable prevention of MSD.

  16. Data mining in agriculture

    CERN Document Server

    Mucherino, Antonio; Pardalos, Panos M

    2009-01-01

    Data Mining in Agriculture represents a comprehensive effort to provide graduate students and researchers with an analytical text on data mining techniques applied to agriculture and environmental related fields. This book presents both theoretical and practical insights with a focus on presenting the context of each data mining technique rather intuitively with ample concrete examples represented graphically and with algorithms written in MATLAB®. Examples and exercises with solutions are provided at the end of each chapter to facilitate the comprehension of the material. For each data mining technique described in the book variants and improvements of the basic algorithm are also given. Also by P.J. Papajorgji and P.M. Pardalos: Advances in Modeling Agricultural Systems, 'Springer Optimization and its Applications' vol. 25, ©2009.

  17. Defensive Federal Litigation

    Science.gov (United States)

    1998-08-20

    Unidos , Inc. v. United States Dep’t of Labor, 803 F.2d 1063, 1068 (9th Cir. 1986); Ameron, Inc. v. United States Army Corps of Eng’rs, 787 F.2d 875 (3d...Federal Circuit 59Diekan v. Stone, 995 F.2d 1061 (1st Cir. 1993); Penagaricano v. Llenza, 747 F.2d 55 (1st Cir. 1984); Guerra v. Scruggs, 942 F.2d 270

  18. Measuring Agricultural Bias

    DEFF Research Database (Denmark)

    Jensen, Henning Tarp; Robinson, Sherman; Tarp, Finn

    . For the 15 sample countries, the results indicate that the agricultural price incentive bias, which was generally perceived to exist during the 1980s, was largely eliminated during the 1990s. The results also demonstrate that general equilibrium effects and country-specific characteristics - including trade...... shares and intersectoral linkages - are crucial for determining the sign and magnitude of trade policy bias. The GE-ERP measure is therefore uniquely suited to capture the full impact of trade policies on agricultural price incentives. A Monte Carlo procedure confirms that the results are robust...

  19. Agricultural risk management

    DEFF Research Database (Denmark)

    Lund, Mogens; Oksen, Arne; Larsen, Torben U.

    2005-01-01

    A new model for risk management in agriculture is described in the paper. The risk model is constructed as a context dependent process, which includes four main phases. The model is aimed at agricultural advisors, who wish to facilitate and disseminate risk management to farmers. It is developed...... and tested by an action research approach in an attempt to make risk management more applicable on family farms. Our obtained experiences indicate that farmers don’t apply probabilistic thinking and other concepts according to formal decision theory....

  20. Tax incentives in fiscal federalism

    DEFF Research Database (Denmark)

    Kelders, Christian; Köthenbürger, Marko

    2010-01-01

    Models of fiscal federalism rarely account for the efficiency implications of intergovernmental fiscal ties for federal tax policy. This paper shows that fiscal institutions such that federal tax deductibility, vertical revenue-sharing, and fiscal equalization (being common features of existing...... federations) encourage local taxation, but may discourage federal taxation. Furthermore, the structure of public spending is skewed towards local spending. We also show that, when considering Leviathan governments, fiscal institutions reduce confiscatory taxation by the federal government. The result...... is contrary to the Cartelization Hypothesis ( Brennan and Buchanan 1980 ). Finally, we characterize the efficient design of intergovernmental fiscal ties....

  1. Agricultural Technology, Risk, and Gender

    DEFF Research Database (Denmark)

    Arndt, Channing; Tarp, Finn

    2000-01-01

    Interactions between agricultural technology improvements, risk-reducing behavior, and gender roles in agricultural production in Mozambique are examined. The analysis employs a computable general equilibrium (CGE) model that explicitly incorporates key features of the economy. These include......: detailed accounting of marketing margins, home consumption, risk, and gender roles in agricultural production. Our results show that agricultural technology improvements benefit both male and female occupants of rural households. Due to economic interactions, agricultural technology improvements...

  2. Federating Metadata Catalogs

    Science.gov (United States)

    Baru, C.; Lin, K.

    2009-04-01

    The Geosciences Network project (www.geongrid.org) has been developing cyberinfrastructure for data sharing in the Earth Science community based on a service-oriented architecture. The project defines a standard "software stack", which includes a standardized set of software modules and corresponding service interfaces. The system employs Grid certificates for distributed user authentication. The GEON Portal provides online access to these services via a set of portlets. This service-oriented approach has enabled the GEON network to easily expand to new sites and deploy the same infrastructure in new projects. To facilitate interoperation with other distributed geoinformatics environments, service standards are being defined and implemented for catalog services and federated search across distributed catalogs. The need arises because there may be multiple metadata catalogs in a distributed system, for example, for each institution, agency, geographic region, and/or country. Ideally, a geoinformatics user should be able to search across all such catalogs by making a single search request. In this paper, we describe our implementation for such a search capability across federated metadata catalogs in the GEON service-oriented architecture. The GEON catalog can be searched using spatial, temporal, and other metadata-based search criteria. The search can be invoked as a Web service and, thus, can be imbedded in any software application. The need for federated catalogs in GEON arises because, (i) GEON collaborators at the University of Hyderabad, India have deployed their own catalog, as part of the iGEON-India effort, to register information about local resources for broader access across the network, (ii) GEON collaborators in the GEO Grid (Global Earth Observations Grid) project at AIST, Japan have implemented a catalog for their ASTER data products, and (iii) we have recently deployed a search service to access all data products from the EarthScope project in the US

  3. Scrapping Agricultural Tax

    Institute of Scientific and Technical Information of China (English)

    2004-01-01

    On March 5,in his government report to the annual session of the country's top legislature,the National People's Congress,Premier Wen Jiabao set the goal to reduce the agricultural tax rate by more than one percentage point each year,

  4. Africa, Agriculture, Aid

    NARCIS (Netherlands)

    Kuyvenhoven, A.

    2008-01-01

    In a world that is developing fast, Africa¿s relative stagnation is a human tragedy that challenges the development profession. Although climate and geography, and their effect on local institutions, are not in Africa¿s favour, inappropriate policies (including neglect of agriculture) and weak insti

  5. Agriculture. Poultry Livestock.

    Science.gov (United States)

    Michigan State Univ., East Lansing. Coll. of Agriculture and Natural Resources Education Inst.

    This task-based curriculum guide for agricultural production, specifically for poultry, is intended to help the teacher develop a classroom management system where students learn by doing. Introductory materials include a Dictionary of Occupational Titles job code and title sheet, a task sheet for developing leadership skills, and a task list.…

  6. African agricultural trade

    DEFF Research Database (Denmark)

    Jensen, Hans Grinsted; Sandrey, Ron

    2015-01-01

    This article starts with a profile of African agricultural trade. Using the pre-release version 9.2 of the GTAP database, we then show that the results for tariff elimination on intra-African trade are promising, but these tariff barriers are not as significant as the various trade-related barriers...

  7. Nanotechnology in Agriculture

    Science.gov (United States)

    An overview is given of the application of nanotechnology to agriculture. This is an active field of R&D, where a large number of findings and innovations have been reported. For example, in soil management, applications reported include nanofertilizers, soil binders, water retention aids, and nut...

  8. Cohabitation: Humans & Agriculture

    NARCIS (Netherlands)

    Woodington, W.

    2012-01-01

    This "designers' manual" is made during the TIDO-course AR0531 Smart & Bioclimatic Design. Cohabitation of humans and agriculture can be used to improve building climate, human health and the state of the world. It affects building design and requires new building components. This manual explains w

  9. Governing agricultural sustainability

    NARCIS (Netherlands)

    Macnaghten, Philip; Carro-Ripalda, Susana

    2015-01-01

    Although GM crops are seen by their advocates as a key component of the future of world agriculture and as part of the solution for world poverty and hunger, their uptake has not been smooth nor universal: they have been marred by controversy and all too commonly their regulation has been challen

  10. Heroes of Agricultural Innovation

    NARCIS (Netherlands)

    Weele, van der C.; Keulartz, F.W.J.

    2009-01-01

    New technology has a prominent place in the theory and practice of innovation, but the association between high tech and innovation is not inevitable. In this paper, we discuss six metaphorical heroes of agricultural innovation, starting with the dominant hero of frontier science and technology. At

  11. Agriculture. Poultry Livestock.

    Science.gov (United States)

    Michigan State Univ., East Lansing. Coll. of Agriculture and Natural Resources Education Inst.

    This task-based curriculum guide for agricultural production, specifically for poultry, is intended to help the teacher develop a classroom management system where students learn by doing. Introductory materials include a Dictionary of Occupational Titles job code and title sheet, a task sheet for developing leadership skills, and a task list.…

  12. Agriculture. Beef Livestock.

    Science.gov (United States)

    Michigan State Univ., East Lansing. Coll. of Agriculture and Natural Resources Education Inst.

    This task-based curriculum guide for agricultural production, specifically for beef livestock, is intended to help the teacher develop a classroom management system where students learn by doing. Introductory materials include a Dictionary of Occupational Titles job code and title sheet, a task sheet for developing leadership skills, and a task…

  13. Teacher Education in Agriculture?

    Science.gov (United States)

    Andrews, Dale W.

    1977-01-01

    Urging continued high priority support to preservice and inservice professional development, especially in the area of agricultural education, the author responds to a letter from the Joint Committee on Vocational Education for the State of California indicating the committee's consideration of support reduction for teacher education in vocational…

  14. [Vibration on agricultural tractors].

    Science.gov (United States)

    Peretti, Alessandro; Delvecchio, Simone; Bonomini, Francesco; di Bisceglie, Anita Pasqua; Colosio, Claudio

    2013-01-01

    In the article, details related to the diffusion of agricultural tractors in Italy are given and considerations about the effects of vibration on operators, the sources of vibration and suggestions to reduce them are presented. The acceleration values observed in Italy amongst 244 tractors and levels of worker exposure are shown by means of histograms. The relevant data variability is discussed.

  15. Heroes of Agricultural Innovation

    NARCIS (Netherlands)

    Weele, van der C.; Keulartz, F.W.J.

    2009-01-01

    New technology has a prominent place in the theory and practice of innovation, but the association between high tech and innovation is not inevitable. In this paper, we discuss six metaphorical heroes of agricultural innovation, starting with the dominant hero of frontier science and technology. At

  16. Sustainability through precision agriculture

    Science.gov (United States)

    As population and standard of living increase in many parts of the world, so will the need for food and other agriculturally-based products. To be sustainable, these increases in production must occur with minimum impact on the environment and with efficient use of production resources, including la...

  17. Teaching Traditional Tropical Agriculture.

    Science.gov (United States)

    Clawson, David L.

    1987-01-01

    Maintains that the teaching of traditional tropical agriculture through the presentation of large numbers of categories or types tends to overemphasize superficial differences at the expense of comprehending the inner essence of life as it exists for the majority of the world's farmers. Offers an alternative approach which claims to foster greater…

  18. Goryachkin's agricultural mechanics

    Science.gov (United States)

    Chinenova, Vera

    2016-03-01

    The paper contributes to the development of applied mechanics by establishing a new discipline, namely, agricultural mechanics by academician Vasilii Prohorovich Goryachkin (1868-1935) who was an apprentice of Nikolay Yegorovich Zhukovsky and a graduate of the Moscow University (current known as Moscow State University) and the Imperial Higher Technical School.

  19. Beyond conservation agriculture

    NARCIS (Netherlands)

    Giller, K.E.; Andersson, J.A.; Corbeels, Marc; Kirkegaard, John; Mortensen, David; Erenstein, Olaf; Vanlauwe, Bernard

    2015-01-01

    Global support for Conservation Agriculture (CA) as a pathway to Sustainable Intensification is strong. CA revolves around three principles: no-till (or minimal soil disturbance), soil cover, and crop rotation. The benefits arising from the ease of crop management, energy/cost/time savings, and

  20. USSR Report, Agriculture.

    Science.gov (United States)

    2007-11-02

    evaluation of the phyto- sanitary condition of the fields were not coordinated with the calendar- phenological schedules, some agronomists were unable...During the first year following its introduction, an intensified variation of this agricultural technology enabled the Tambov grain growers to produce

  1. Agricultural nitrate pollution

    DEFF Research Database (Denmark)

    Anker, Helle Tegner

    2015-01-01

    Despite the passing of almost 25 years since the adoption of the EU Nitrates Directive, agricultural nitrate pollution remains a major concern in most EU Member States. This is also the case in Denmark, although a fairly strict regulatory regime has resulted in almost a 50 per cent reduction...

  2. Agricultural lung diseases.

    Science.gov (United States)

    Kirkhorn, S R; Garry, V F

    2000-08-01

    Agriculture is considered one of the most hazardous occupations. Organic dusts and toxic gases constitute some of the most common and potentially disabling occupational and environmental hazards. The changing patterns of agriculture have paradoxically contributed to both improved working conditions and increased exposure to respiratory hazards. Animal confinement operations with increasing animal density, particularly swine confinement, have contributed significantly to increased intensity and duration of exposure to indoor air toxins. Ongoing research has implicated bacterial endotoxins, fungal spores, and the inherent toxicity of grain dusts as causes of upper and lower airway inflammation and as immunologic agents in both grain and animal production. Animal confinement gases, particularly ammonia and hydrogen sulfide, have been implicated as additional sources of respiratory irritants. It has become evident that a significant percentage of agricultural workers have clinical symptoms associated with long-term exposure to organic dusts and animal confinement gases. Respiratory diseases and syndromes, including hypersensitivity pneumonitis, organic dust toxic syndrome, chronic bronchitis, mucous membrane inflammation syndrome, and asthmalike syndrome, result from ongoing acute and chronic exposures. In this review we focus upon the emerging respiratory health issues in a changing agricultural economic and technologic environment. Environmental and occupational hazards and exposures will be emphasized rather than clinical diagnosis and treatment. Methods of prevention, from both engineering controls and personal respiratory perspectives, are also addressed.

  3. Governing agricultural sustainability

    NARCIS (Netherlands)

    Macnaghten, Philip; Carro-Ripalda, Susana

    2015-01-01

    Although GM crops are seen by their advocates as a key component of the future of world agriculture and as part of the solution for world poverty and hunger, their uptake has not been smooth nor universal: they have been marred by controversy and all too commonly their regulation has been challen

  4. Beyond conservation agriculture

    NARCIS (Netherlands)

    Giller, K.E.; Andersson, J.A.; Corbeels, Marc; Kirkegaard, John; Mortensen, David; Erenstein, Olaf; Vanlauwe, Bernard

    2015-01-01

    Global support for Conservation Agriculture (CA) as a pathway to Sustainable Intensification is strong. CA revolves around three principles: no-till (or minimal soil disturbance), soil cover, and crop rotation. The benefits arising from the ease of crop management, energy/cost/time savings, and s

  5. Electronic Code of Federal Regulations

    Data.gov (United States)

    National Archives and Records Administration — The Electronic Code of Federal Regulations (e-CFR) is the codification of the general and permanent rules published in the Federal Register by the executive...

  6. Indian Agricultural Marketing- A Review

    Directory of Open Access Journals (Sweden)

    Shakeel-Ul-Rehman

    2012-03-01

    Full Text Available Agriculture in India has directly or indirectly continued to be the source of livelihood to majority of the population. Indian agriculture has seen a lot of changes in its structure. India, predominantly an agricultural economy, has healthy signs of transformation in agriculture and allied activities. India has seen agriculture as a precious tool of economic development as other sectors of production depend on it. Efficient backward and forward integration with agriculture has led to globally competitive production system in terms of cost and quality. Cooperatives seem to be well positioned to coordinate product differentiation at the farm level and to integrate forward into value added processing activities.. Indian agriculture can be balanced and made efficient through proper and better management practices. The present study brings out past and present scenario of agricultural marketing prevailing in India, its challenges and future recommendations. Moreover the opportunities provide by agricultural marketing should be tapped effectively by the marketers.

  7. Researches on Agricultural Cooperative Economic Organization Promoting Agricultural Insurance Development

    Institute of Scientific and Technical Information of China (English)

    2011-01-01

    The advantages of cooperative economic organization being the effective carrier of agricultural insurance development are analyzed. Firstly, cooperative economic organization promotes scale management and solves the problem of decentralized operation of small households. Secondly, cooperative economic organization can settle the problem of peasants’ low systematization. Thirdly, cooperative economic organization can largely reduce the costs of agricultural insurance operation. Fourthly, cooperative organization decreases moral risks as well as adverse selection to some extent. Lastly, cooperative organization, to a certain degree, reduces the risks of agricultural production and increases the insurability of agricultural risks. Meanwhile, limitations of agricultural cooperative economic organization being the carrier of agricultural insurance operation are pointed out. Firstly, cooperative economic organization has limited coverage and small size of organization, which is harmful to the diversification of agricultural risks. Secondly, cooperative economic organization lacks capital funds and its development is not standard, which is not perfect for the function exertion as a carrier. Lastly, members of professional cooperative organization have low cultural qualities, which restrict the implementation of agricultural insurance. The modes of farmers’ cooperative economic organization promoting agricultural insurance development are proposed, including mode of agricultural insurance cooperative ( mutual corporation), mode of "leading enterprises (companies) + professional cooperative organization (planting majors) + insurance" and mode of professional cooperatives serving as agricultural insurance agent. Last of all, the promoting role of agricultural insurance in agricultural cooperative economic organization is briefly illustrated.

  8. Modeling data federations in ORM

    NARCIS (Netherlands)

    Balsters, Herman; Halpin, Terry; Meersman, R; Tari, Z; Herrero, P

    2007-01-01

    Two major problems in constructing data federations (for example, data warehouses and database federations) concern achieving and maintaining consistency and a uniform representation of the data on the global level of the federation. The first step in creating uniform representations of data is know

  9. 77 FR 31600 - Federal Need Analysis Methodology for the 2013-2014 Award Year: Federal Pell Grant, Federal...

    Science.gov (United States)

    2012-05-29

    ..., Federal Work-Study, Federal Supplemental Educational Opportunity Grant, William D. Ford Federal Direct... Supplemental Educational Opportunity Grant Program; 84.268 William D. Ford Federal Direct Loan Program; 84.379..., Federal Perkins Loan, Federal Work-Study, Federal Supplemental Educational Opportunity Grant, William...

  10. Clever farmers give gas. Model solutions for agricultural biogas systems 2012; Clevere Landwirte geben Gas. Musterloesungen zukunftsfaehiger Biogasanlagen 2012

    Energy Technology Data Exchange (ETDEWEB)

    Doehler, Helmut; Doehler, Susanne; Hartmann, Stefan; Hauptmann, Astrid; Paterson, Mark; Stadelmann, Monika

    2012-07-01

    Already in the years 2004/2005, the Federal Ministry of Food, Agriculture and Consumer Protection (Berlin, Federal Republic of Germany) implemented the model project 'Model solutions for environmental friendly and economic power generation with agricultural biogas plants'. Only those biogas plants which are well integrated in agricultural holdings have the economic and socio-political requirements for a sustainable operation. With the third competition of biogas power plants 2012, again those concepts about the agricultural generation of biogas are honoured which are faced to the rapidly converting requirements in an exemplary manner.

  11. The rise of Brazilian agriculture

    DEFF Research Database (Denmark)

    Jensen, Hans Grinsted; Vink, Nick; Sandrey, Ron

    2014-01-01

    The purpose of this article is to explore some of the possible lessons for South African agriculture from the Brazilian experience. To this end, the article discusses the performance of Brazilian agriculture in terms of land and labour use, production, and exports. This is followed by aspects...... of Brazilian agricultural policies, namely farmer support, the research and technology transfer system and land issues. The implications for South African agriculture can be summarized as the recognition that history, geography, the development path and agricultural policies all matter. The article...... then identifies five important lessons for agricultural development in South Africa....

  12. The role of the National Bison Range in the long-term management of Federal bison herds

    Data.gov (United States)

    US Fish and Wildlife Service, Department of the Interior — Proposal for "The role of the National Bison Range in the long-term management of Federal bison herds" project created by the Texas Agricultural Experiment Station...

  13. Linking good agricultural practices and climate smart agriculture

    NARCIS (Netherlands)

    Verhagen, A.; Hengsdijk, H.; Bezlepkina, I.; Groenestein, K.; Klooster, van 't K.

    2013-01-01

    Recently, the concept of Climate Smart Agriculture (CSA) was introduced to position agriculture and food security in relation to climate change adaptation and mitigation. Good Agricultural Practices (GAP) with the aim to create cleaner and safer production systems and products has been around for a

  14. Agroecology and Sustainable Agriculture

    Directory of Open Access Journals (Sweden)

    Fabio Caporali

    Full Text Available In the framework of the 16th National Meeting of the Italian Ecological Society (“Global Change, Ecological Diversity and Sustainability”, University of Tuscia, Viterbo, 19-22 September 2006, a symposium was devoted to “Agroecology and Sustainable Development”. A major goal of this symposium was to contribute to keeping the dialogue among the experts of the various disciplines alive. Sustainability of agriculture is a challenge for society world wide. Universities and society as a whole have a responsibility in re-examining current perception of nature, of the world and of human society in the light of natural resources depletion, increasing pollution and social inequalities. The urgency to address sustainability issues is increasingly being reflected in the manner in which institutions of higher education around the world are giving priority to the teaching, research and practice of sustainability. The University of Tuscia is involved in international initiatives concerning teaching and research in Agroecology and Sustainable Agriculture.

  15. Agroecology and Sustainable Agriculture

    Directory of Open Access Journals (Sweden)

    Fabio Caporali

    2011-02-01

    Full Text Available In the framework of the 16th National Meeting of the Italian Ecological Society (“Global Change, Ecological Diversity and Sustainability”, University of Tuscia, Viterbo, 19-22 September 2006, a symposium was devoted to “Agroecology and Sustainable Development”. A major goal of this symposium was to contribute to keeping the dialogue among the experts of the various disciplines alive. Sustainability of agriculture is a challenge for society world wide. Universities and society as a whole have a responsibility in re-examining current perception of nature, of the world and of human society in the light of natural resources depletion, increasing pollution and social inequalities. The urgency to address sustainability issues is increasingly being reflected in the manner in which institutions of higher education around the world are giving priority to the teaching, research and practice of sustainability. The University of Tuscia is involved in international initiatives concerning teaching and research in Agroecology and Sustainable Agriculture.

  16. Advanced Agriculture system

    Directory of Open Access Journals (Sweden)

    Shrinivas R. Zanwar

    2012-05-01

    Full Text Available This article addresses the advanced system which improves agriculture processes like cultivation on ploughed land, based on robotic platform. We have developed a robotic vehicle having four wheels and steered by DC motor. The advanced autonomous system architecture gives us the opportunity to develop a complete new range of agricultural equipment based on small smart machines. The machine will cultivate the farm by considering particular rows and specific column at fixed distance depending on crop. The obstacle detection problem will also be considered, sensed by infrared sensor. The whole algorithm, calculation, processing, monitoring are designed with motors & sensor interfaced with microcontroller. The result obtained through example activation unit is also presented. The dc motor simulation with feedforward and feedback technique shows precise output. With the help of two examples, a DC motor and a magnetic levitation system, the use of MATLAB and Simulink for modeling, analysis and control is designed.

  17. Agricultural and urban pollution

    Science.gov (United States)

    Brehmer, M. L.

    1972-01-01

    The degradation produced by the introduction of agricultural and urban wastes into estuarine systems, with emphasis on the Chesapeake Bay area, is discussed. The subjects presented are: (1) effects of sediment loading and (2) organic and nutrient loading problems. The impact of high turbidity on the biological life of the bay is analyzed. The sources of nutrients which produce over-enrichment of the waters and the subsequent production of phytoplankton are examined.

  18. Risk governance in agriculture

    OpenAIRE

    Bachev, Hrabrin

    2008-01-01

    This paper identifies and assesses the efficiency of major modes for risk governance in agriculture on the base of Bulgarian dairy farming. Firstly, the New Institutional and Transaction Costs Economics is incorporated and a framework for analysis of the governance of natural, market, private, and social (institutional) risks presented. Next, the pace and challenges of the dairy farming development during the post-communist transition and EU integration is outlined. Third, major types of risk...

  19. Water pollution by agriculture

    OpenAIRE

    Moss, Brian

    2007-01-01

    Agriculture disrupts all freshwater systems hugely from their pristine states. The former reductionist concept of pollution was of examining individual effects of particular substances on individual taxa or sub-communities in freshwater systems, an essentially ecotoxicological concept. It is now less useful than a more holistic approach that treats the impacts on the system as a whole and includes physical impacts such as drainage and physical modification of river channels and modification o...

  20. European Agricultural Statistics

    OpenAIRE

    Smith, Timothy J.

    1997-01-01

    This bulletin is a supplement to the Europe Team's Situation and Outlook Series and expands upon material traditionally presented as an appendix in the annual Europe Report. This report presents an extensive statistical database on European agriculture. The geographic scope covers most of the countrias of Europe, including the 15 member states of the European Union (Austria. Belgium. Denmark, Finland, France, Germany, Greece, Ireland, Italy. Luxembourg, Netherlands, Portugal, Spain, Sweden, a...