Tag Archives: blog post

Kenya Election: What Bothers the World Most?

(Newswire.net — August 7, 2017) — On August 8, 2017, Kenya election will finally take place. BBC asked experts to answer some questions that worry the world ahead of the voting. 

Ethnic question

Almost all political leaders in Kenya have got accustomed to relying on the great support of their ethnic group members. There are five large ethnic groups in Kenya, making up over 70% of the inhabitants. These are Kalenjin, Luhya, Kikuyu, Luo, and Kamba. So, a candidate must gain the trust of ethnic alliances to take the presidential office. Moreover, ethnicity is important in the senate, the MP, and local votes.

Conversely, Kenya`s president Uhuru Kenyatta expects the upcoming Kenya election to be won not on ethnic basis but on major economic issues, mainly the growing food cost. The opposition accuses the current president of not anticipating food shortages following from the continuing drought.

Electoral commission and trustworthy election

In January 2017, a whole new team of election officials took up its duties. The former team was blamed for mishandling the 2013 Kenya election. The new electoral commission wants to convince everyone that it has been working on correcting the mistakes of their predecessors. The key to them is postponements in getting election materials and the absence of trained staff on using the voting technology.

Now the commission has a unique Integrated Election Management System. It will be used to confirm both voters’ registration and the eligibility of the electorate on the Election Day. The system will also count the results and transfer them to a general tallying Center.

In February 2017, more than 65% of the respondents told they trusted the new electoral commission.

Kenyan troops in Somalia

Uhuru Kenyatta said that Kenyan troops, as part of its peacekeeping mission, would stay in Somalia until stability and peace are restored. Presently, more than 3,600 Kenyan soldiers serve in Somalia (Amisom) under the UN mission. The opposition, however, announced that it would withdraw the troops from Somalia because there was no reason to remain there any longer.

Since the 2011 intrusion, al-Shabab radicals have committed numerous attacks in Kenya (148 students killed in Garissa University, attacks in Westgate mall in Nairobi). In January 2016, almost 150 Kenyan soldiers were supposedly murdered after al-Shabab`s fighters had attacked a military base. Plenty of troops were captured and later were shown on the radicals’ propaganda videos.

Therefore, the official position of both current president and NASA on this issue can play a significant role in the voting process.

Post-election violence

The Assistant Professor of Georgetown University (USA), Ken Opalo, told that post-election violence would surely be. He added, however, that it would probably be an echo of what was at stake, but would not turn into wide-ranging disorder and state letdown.

The commentator on Kenyan politics Nic Cheeseman said that confused party primaries were a real reason to be concerned. However, they will not lead to bigger conflict on the Election Day.

The actual picture of Kenya’s economy

Since 2012, Kenya has been showing stable economic growth rate, averaging 5% yearly. Nevertheless, increasing costs of essential goods (maize flour, bread, milk, etc.) have already pushed price rises to 14%. So, the considerable part of Kenyans has to struggle to survive. People even use the #CostOfLivingKe hashtag to show the prices of essential items and how they change their lifestyles.

The CEO of the Institute of Economic Affairs, Kwame Owino, told the BBC that Kenya`s economy experienced a reduction every election year. According to him investors just wait for the winner. Mr. Owino also added that presently some companies started to cut down employment, while the informal sector continues to be the largest employer.

UNDP statistics show that Kenya has the maximum unemployment rate in the region – 40%. It means, according to Mr. Owino, dispassionate people will vote for a candidate who they are sure will best work for their economic interests.

Corruption in Kenya

In 2016, Transparency International placed Kenya at position 145 out of more than 170 nations. It accused Kenya’s low ranking on the uselessness and unskillfulness of anti-corruption agencies.

John Githongo, the anti-corruption campaigner, called Uhuru Kenyatta and his administration the most corrupt ever in Kenya’s past. Mr. Githongo cited the major scandals concerning payments to phantom firms and supposed inflation of costs of projects.

President Kenyatta in his turn informed that the courts undermined all his anti-corruption efforts. The president added that all courts had been slowing prosecutions of the anti-corruption agency. In 2015, the current president finally dismissed six ministers and several high-ranking officials for corruption accusations.

Some high-flying members of NASA were also involved in the main scandals. However, they immediately blamed the government for scapegoating.

Barrack Muluka, the respected Kenyan political analyst, accused Kenyans themselves of the major corruption problems. He is sure that their society blinds ordinary people. “A minister can steal everything, and people will be pleased because it is “our thief.” It is the normalization of the ridiculousness. Kenyan major criminals have by now become prominent politicians,” the analyst concluded.  

Source: http://newswire.net/newsroom/blog-post/00097448-kenya-election-what-bothers-the-world-most.html

Bsociable App Makes Event Planning Simple

(Newswire.net — August 7, 2017) — If you’re in the event-planning industry, or if you’re just the mother of a large family, then Bsociable will definitely save you stress.

What is it?

Bsociable is a new app designed to make event-planning simple. Launched in July 2017, it offers a large set of tools with which to manage your gathering, whether it be a birthday celebration, a Christmas dinner, or a corporate event.

What does it do?

Basically, Bsociable offers a simple way to create events. It has a large number of features, including:

– A group calendar.

– Group chat.

– Location service.

– A map to the event.

The group calendar is very handy and easy-to-use, allowing you to check the availability of participants and plan your event accordingly.

Location service is equally useful, letting you know the whereabouts of your guests two hours before and after the event, thus allowing you to cater for late arrivals (by delaying the cooking of food, for example).

Other Features

Besides those aforementioned, Bsociable also includes such features as ‘Event Venue’, which allows you to quickly find a location, ‘RSVP’, which allows you to keep tabs on who’s coming, and ‘Dietary Preferences’, which allows you to know about guests’ dietary restrictions.

Group types

Bsociable offers three main group-types. These are:

– Succession.

– Public.

– Private.

Succession is for regular events (book clubs, for example), the host of which is selected randomly before each new one.

Public and private groups are pretty self-explanatory, the former being for anyone, the latter being for up to four-hundred guests selected by the host/organisers.

Besides these three options, you can also specify whether the event is kid-friendly or not. A small butterfly indicates that the event is open for kids, a large one that it is not.

How was it created?

Bsociable was created by RandeepWasal from Sydney, Australia. He had the idea when his wife, RenuWasal, ‘hand-balled the co-ordination of a family dinner’ (according to the website). Surely there must be a simpler way, thought RandeepWasal. Surely there must be a way to co-ordinate a family dinner without the possibility of mishap. So he began developing the app, and on July 3, 2017, it was released to the public. Now you can download Bsociable on Google Play or you can download it from Apple Store.

What sets it apart?

Though Bsociable doesn’t necessarily offer any single revolutionary feature, it’s revolutionary in the sense that it brings all those hitherto-separate features together. As Steve Jobs advised, ‘You have to start with the customer experience and work backwards to the technology.’ RandeepWasal has done just this. He has seen a way to simplify the customer experience and he has come through for the stressed-out event-planner. With Bsociable, event planning becomes a whole lot easier. Of course, for Bsociable to be useful, every member of the event needs to have the app, but seeing as it’s free, this shouldn’t be a problem.  

Source: http://newswire.net/newsroom/blog-post/00097444-bsociable-app-makes-event-planning-simple.html

The Ten Must-Have Items in a First Aid Kit

(Newswire.net — August 7, 2017) Woodbridge, VA — An accident can strike at any time, and the items in your first aid kit could save the day.  

The key is to have a well-stocked first aid kit. Simply throwing bandages of various sizes and antiseptic wipes into a bag will not serve you well beyond a minor scrape. 

 It is unnerving for most people to imagine responding to an emergency situation, but the fact of the matter is, as a parent, colleague or ordinary citizen, it is our duty to help someone in need. Even with no first aid supplies or knowledge, providing warmth and comfort to those in shock or trauma can go a long way. In the current unpredictable global climate, medical experts are advising everyday citizens to not leave home without a first aid kit and at least some basic first aid knowledge. Being properly stocked and educated with the correct supplies and know-how will give a great boost of confidence should you ever be faced with responding to an emergency.  

According to experts in the medical field, these are the ten most important items to include in a personal first aid kit: 

  • Adhesive bandages in a variety of shapes and sizes
  • Triangular bandage 
  • Sterile gauze pads and adhesive cloth tape
  • Antiseptic wipes
  • Sterile, latex-free gloves
  • Mylar blanket
  • CPR mask with one-way valve
  • Tweezers
  • Shears
  • Wound closure strips

This is a basic first aid kit must-have list that you should add to over time, as you learn more about first aid and what items are most relevant to your environment. You should also add medications and items which are specific to your and your family’s needs. Does your child have allergies? Add an epi-pen. Do you live in an area with numerous bees and wasps? Add sting relief wipes. Headed to the beach? Add aloe vera.  

If putting together a first aid kit seems daunting, there are many kits available which contain all the essential and necessary first aid items. The Small First Aid Kit by Surviveware is the most popular kit in its category. Despite being labeled ‘small,’ it packs a punch with 100 essential basic life-saving items, including all the ones listed above. It has MOLLE straps on the back so it can be easily attached to a rucksack, belt or bicycle. Every item is placed in a labeled compartment so you can quickly find the right item in a time of crisis, and once done, the used items can be replaced in an orderly manner. In addition, all the elements which can be damaged by water are housed in laminate bags rendering them waterproof.  

Surviveware First Aid Kit

Whichever route you decide to go – compiling your own first aid kit or purchasing a ready-made first aid kit – take steps to learn how to confidently use every item. The Surviveware First Aid Kit comes with an online information guide that goes over every item in the kit. Go the extra mile by signing up for a First Aid & CPR class through the Red Cross. It’s wild out there, be prepared.

About Surviveware

Surviveware produces a wide range survival equipment. Surviveware’s first priority is the customer, and that is evident not only through its highly rated products but also its customer service. Surviveware is also a Proud Supporter of Hands Free, a charity providing 3D printed prosthetics to children and veterans.

Surviveware

13003 Smoketown Road
Woodbridge, VA 22192
United States
703-910-5188
info@surviveware.com
http://www.surviveware.com/

Surviveware

13003 Smoketown Road
Woodbridge, VA 22192
United States
703-910-5188
info@surviveware.com
http://www.surviveware.com/
Source: http://newswire.net/newsroom/blog-post/00097441-top-ten-must-have-first-aid-items.html

The Coolest Kitchen Gadgets to Buy Right Now

(Newswire.net — August 6, 2017) — Whether you cook or not, you probably love spending money on kitchen gadgets. We all do. There is something irresistible about a new gadget that slices, dices and mixes in a way that nothing ever did before. Most of this stuff ends up gathering dust in cupboards and is wasted, but if you buy right, such as the things on this list, then you can make sure you only get things you will actually use. 

Wood-Fired Pizza Ovens

A portable toaster oven is an essential for any kitchen. Find out here which the best and cheapest ones are. But if you have a little more space and budget, and if you love pizza, then get yourself a wood-fired oven.

Believe it or not, you can now get a portable pizza oven that is fired by wood and gives you that stone-baked pizzeria taste. These top-of-the-range gadgets take up a bit of space, but not nearly as much as an actual pizza oven would. What’s more, they will only set you back around $200 to $300. Not bad for fresh pizza made the traditional way.

Boiling Water Faucet

These are not really considered gadgets anymore as they are very common, but if you don’t have one yet then it’s time to jump on the bandwagon. These faucets switch between cold and boiling water. It allows you to get as much boiling water as you need without spending several minutes preparing it.

Perfect whether you’re making up a fresh batch of tea or coffee, this tap is also ideal for quickly boiling pasta and other dishes. It’s easy to attach to your current setup and it’s also fairly cheap. What more could you ask for?

Portable Grill

You can now buy budget grills that connect to the mains in your home and can serve as a practical centerpiece on your table. These grills are great party pieces that heat up quickly and allow everyone to sit around chatting, grilling and eating. Just prepare some fresh veg, chop some meat, put out some saucers and then give everyone a handful of skewers.

From there they can just serve themselves. It’s the perfect way to throw a dinner party everyone will remember, without actually cooking your guests any food.

Portable Knife Sharpener

For just $10 you can buy yourself an automatic knife sharper. No skill is needed and you don’t need to waste time with a sharpening stone. You press the blade in and wait for it to do its magic. You can never underestimate the value of a set of sharp knives in the kitchen. Without them you don’t stand a chance of cleanly cutting tomatoes, sushi and other essentials.

Pineapple Corer and Slicer

Most slicers and corers designed for single fruits are a waste of money. There are silicone garlic crushers and strawberry corers out there that don’t even do as good of a job as the back of your hand and a straw. However, there is a pineapple corer and slicer that is a different beast altogether. Watching this in action is a joy and it’ll make you want to eat pineapple every day.

It’s cheap and it’s easy to use, turning a full pineapple into a series of juicy rings in no time at all.

Source: http://newswire.net/newsroom/blog-post/00097438-the-coolest-kitchen-gadgets-to-buy-right-now.html

Get a Home Gym for Less Than $100

(Newswire.net — August 5, 2017) — There is a lot of budget indoor training bikes, weight benches and other top equipment out there that can set you up with a stylish home gym without breaking four figures. But what if you can’t even break 3 figures? What if your budget is limited to just $100?

In this short guide, I’ll point out some top home gym equipment for less than $100, helping you to build muscle and get fit without blowing a fortune on top equipment or spending big on a gym subscription.

Dumbbell Set = $40

This is where the majority of your limited budget needs to be spent. You only need a single dumbbell and a small set of weights. If you shop smartly you can get this secondhand for less than $20. If you buy new, you should still pay a maximum of $50.

Those weights should be more than enough to get you started and to help you reach a high level. They will allow you to perform several stretching exercises, from curls to shrugs and more. You will be able to work all of your arm, as well as your back. And if you perform leans, then you can also build your stomach muscles with them.

Resistance Bands = $5 to $20

These bands are very simple and very cheap. A good one will cost you $10, but you can get them for half that. If you have the money we would recommend investing in a resistance set, which will cost you around $20 to $30. It will include a series of bands and attachments that will allow you to use your body weight to work all muscles.

Even with a simple $5 you can work most of the muscles in your legs with ease, making these a must for any budget home gym.

Jump Rope = $5 to $10

The ultimate in cardio training, the jump rope is just a few bucks and yet it’ll get your heart rate going and will generally help with cardio all-over. That’s why it’s so popular with strength athletes, including boxers. It’s a great way to stay fit and to warm up and it’ll also text your dexterity.

Pull-Up Bar = $20

These simple bars can be mounted to the frame of your door. They are easy to install and they provide a great way to build up the muscles in your biceps, triceps, shoulders and back. The main purpose is to bulk up those shoulders and biceps, but if you have the strength and your door frame is wide enough, then it’s a great exercise for your back and chest.

You will need to be under a certain weight, of course, so make sure your doorframe is solid and be sure to test the bar thoroughly before use.

Yoga Mat = $10

Finally, while this might seem like one of those superfluous and unnecessary things, it’s actually essential if you have hardwood floors or even if you just want a little more grip. A yoga mat is designed to avoid slipping and sliding underneath you, which will allow you to perform an array of moves and stretches without fear of slipping and injuring yourself.

Source: http://newswire.net/newsroom/blog-post/00097437-get-a-home-gym-for-less-than-100.html

Underrated Games to Play Right Now

(Newswire.net — August 5, 2017) — I’ve commented on the changing world of sport many times. I’m fascinated by it because I am someone who will happily watch any sport. It doesn’t matter if it’s football, cricket, rugby or pool, I’m game (although I draw the line at golf). 

I also have a lot of connections to eSports and have been outspoken on my beliefs about that industry. But there are sports that are suffering while others grow, sports that are either underrated, under appreciated and struggling to gain traction, or ones that have just started to decline.

So, make sure you give these sports all of the credit they deserve. 

Roller Derby

It is fast, it’s tough and it’s everything I want a sport to be. The fact that there are scores of beautiful women playing is neither here nor there…

Roller Derby is big in New York and California, and Los Angeles is one of the best places to experience it. It experienced a surge in popularity with the release of the Whip It film several years ago, but the popularity wasn’t sustained and it has died away again somewhat.

That is a huge shame because this really is a sport that everyone should be watching.

Bowling

You don’t really have a variety of choices when it comes to bowling. You get a good ball, a good pair of shoes and you go. Lanes are standard, rules are easy. There is no pomp or flair, regardless of what Kingpin would have you believe.

However, its beauty is in its simplicity. Bowling is great because it’s a global game, because it brings communities together and because you don’t need a lot of money or skill to get involved. Mastering it is a different story, but there’s no reason why you can’t get started.

Snooker

This is a personal favorite of mine, but it is a game that you just can’t find in the United States. For a country that is so passionate about pool, that’s a surprise. Snooker is a longer, more tactical and more grown-up version of pool. The table is bigger, the pockets smaller and the skill level way higher. 

You can’t help but be amazed as you watch a game being played and I challenge any fan of pool to sit down and watch a game of snooker and not to be enthralled.

Wrestling

Combat sports have never been bigger. Boxing is experiencing a revival of sorts, the UFC is getting more viewers than ever and even bare-knuckle boxing is attracting a surprising number of fans. But in all of that, wrestling has taken a back seat. 

WWE is a different story and as popular as ever, but as a sport and not an entertainment, wrestling has all but faded away. The same goes for many sports like judo, which everyone loves when the Olympics is on, but then seemingly forgets about when it finishes.

So, let’s bring it back. Let’s stop limiting wrestling and other grappling sports to high school and the Olympics and let’s start paying full attention once more.

Source: http://newswire.net/newsroom/blog-post/00097436-underrated-games-to-play-right-now.html

The Cost of Christmas in the United States

(Newswire.net — August 5, 2017) — Christmas is a time of year for celebration and joy. It’s a time for the kids, for families and not for turkeys. But Christmas can also be a time of great difficulty and financial hardship. If you’re struggling with debt, as so many Americans are, then Christmas is a time to dread and not to enjoy.

But what is the actual cost of this season? Just how much money can the average family expect to spend on Christmas? It’s a long way away right now, but judging by the look of these numbers, you mind need the next 6 months just to prepare your bank balance for a sizable hit.

Food and Basics

Someone has actually taken the time to calculate the cost of the 12 days of Christmas song. They determined that if you were to buy everything mentioned in the song, then you would need in excess of $200,000, the bulk of which would go on the swans.

This index is not as random as it sounds and is actually used to determine the rising costs of Christmas, but what’s the cost of actual items that we use during the season?

According to some estimations, the average cost of Christmas dinner has risen year on year and will set the average family back around $100. Once you factor in other seasonal snacks and food, as well as a few drinks to wash the Christmas blues away, this increases to between $200 and $300 per family. Not bad, right? Well, it gets worse.

Gifts

The average American will spend as much as $700 on gifts at Christmas, an amount that increases depending on how many children you have. This amounts to over $450 billion spent every year on gifts, an increasing number of which are being bought online.

And that’s before you factor in the cost of decorations. Even families who keep it simple can expect to spend around $100, the majority of which goes on a Christmas tree. According to a study by Xmastree Express, one of the biggest reviewers of seasonal trees and decorations, the amount of money that someone is willing to spend on a tree increases considerably if they have young children, with the highest amount seemingly being spent by parents of young children who are keen to impress for the child’s first Xmas.

Things to Consider 

This is a lot of money to spend, and when you consider that a lot of it is going on goods being made in India and China, as well as tech produced in Korea and confectionary made in Europe, it’s a warning for the U.S. economy. 

One study by ABC News calculated that if we were to spend just $64 more of our gift budget in U.S. stores and on U.S. goods, then more than 200,000 jobs would be created, many industries would flourish and a sizable chunk of the national debt would likely disappear.

Now that’s food for thought.

Source: http://newswire.net/newsroom/blog-post/00097435-the-cost-of-christmas-in-the-united-states.html

Why Vinyl Has Made Such an Impressive Comeback

(Newswire.net — August 5, 2017) — The moment you know you’re old is the moment you start referring to how things were “better in the old days”. I’m only in my thirties, but I already find myself doing this. Tech has come so far that there are actually very few things that are better on the surface, but when you dig a little deeper it’s a different story.

Modern games are blockbusters and they are beautiful through and through. But many of them lack the soul—the playability that you got with old games. Even in an age of eSports this can be felt. After all, the biggest games professionally are not new titles like “COD” and “Battlefield 1”, but classics like Counter-Strike: Global Offensive.

Music is the same. As a rock and metal fan, the glory days of my genre are long gone, but it’s not about the music itself, it’s the formats that play it. These days we have media that are as crisp and as perfect as being right there in the studio. But as good as this sounds, it has taken the soul out of music a bit and that has caused a surge in vinyl sales. 

Vinyl Sales 

In 2017 we’re experiencing a huge surge in sales of vinyl records, as older customers seek a return to their youth and newer ones just want a taste of a style that was popular before their birth. This shows signs of continuing as well, because vinyl sales have increased by over 50% just since 2015.

There are many factors involved with this. Firstly, after sensing a trend to return to old formats, bands have started releasing more vinyl records than they had done previously. They are also paying more attention to the covers and the inserts, making them as unique and as beautiful as they once were. Part of buying a vinyl was seeing this artwork and the inserts, much like buying a limited edition game or book, and as more has been done to focus on this, the sales have increased.

A few recent celebrity deaths have also helped these sales. Prince, Bowie, Lemmy, George Michael and many other stars of the vinyl age have all passed in recent years. Fans who listened to them in their heyday have been searching for a return to that youth and vinyl has been the answer.

Finally, while vinyls are a little more expensive than digital formats, the turntables that play them are cheaper and better than ever. They are able to offer the warmth of a vinyl record, without the high price tag. On sites like Vinyl Vintage you can see reviews of the best turntables for less than $50, with even the premium ones coming in at under $100.

In other words, it’s all of the things we love rolled into one. It’s nostalgia, it’s quality sound, great packaging and it’s cheap. What more could you ask for?

Source: http://newswire.net/newsroom/blog-post/00097434-why-vinyl-has-made-such-an-impressive-comeback.html

Cellular Health Products Are They Beneficial to Your Health

(Newswire.net — August 4, 2017) — “Just because you’re not sick doesn’t mean you’re healthy” – Author Unknown

Our modern world is filled with toxins; therefore, the human body’s natural mechanisms, which are designed to restore cellular health, have been, and continue to be, damaged.  Additionally, processed foods, cleaning chemicals, high-stress lifestyles, personal care and hygiene products, as well as the over use of prescription drugs attack the body’s cells and make it difficult for its natural cellular repair mechanisms to function properly.

Cellular health and cellular health products

Consequently, as the quotation above states, if you are not sick, it doesn’t mean that you are healthy.

Therefore, the question that arises is how do you improve your body’s health? Before we look at ways to increase your body’s health by using cellular health products such as items manufactured by ASEA, let’s have a look at what it means for your cells to be healthy.

Cellular health

In their simplest form, cells are the basic human building blocks, and your body is constructed out of vast numbers of cells. They give your bodies shape and structure, extract the nutritional value from the food that you eat, convert the nutrients into energy, and carry out necessary specialized functions.

Finally, cells are also able to replicate themselves as they contain DNA or hereditary genetic material. Furthermore, if your cells are not healthy, then they are not able to repair themselves, nor are they able to replicate themselves properly. The poor health of your body’s individual cells often results in cell mutations forming which can turn into cancerous growths, etc.

Cellular health products

Based on this knowledge of cellular health, it makes sense to ensure that your body’s cells are as healthy as possible. How do you help your body restore its cellular health to its optimum state?

The simple answer to this potentially complicated question is that you take cellular heath supplements—products that are specially designed to help your body’s cells function in as healthy a manner as possible.

For example, antioxidants are required by our cells to counterbalance the harm that oxidative stress causes. Antioxidant molecules such as Vitamin C are found in fruit and vegetables. However, because of the decreased nutritional value of most of the fruit and vegetables that are grown today, you need to take in additional vitamin C in supplementary format.

In turn, the right amounts of high-quality vitamin C will help our cells fight the harmful effects of free radicals caused by oxidative stress on our bodies. As an aside, it’s the free radicals that cause tumorous growths.

Final words: The viability of taking specialized cellular health products 

Even if you do your best to eat an organic, nutritious, balanced diet, as well as follow all the tenets of a healthy lifestyle, you will still need to take supplements that are specially designed to restore your individual cell’s health and vitality. There are too many pollutants, toxins, and stressors around that continually attempt to destroy your body’s cellular health.

Source: http://newswire.net/newsroom/blog-post/00097431-cellular-health-products-are-they-beneficial-to-your-health.html

Change Presents Risk to Landlords and Property Managers

(Newswire.net — July 23, 2017) Flower Mound, TEXAS — In a world where credit reports have historically been a key factor in determining whether a potential renter is a good risk, new changes will present serious risks to landlords and property owners.

On July 1, 2017, a new credit report policy change went into effect that can greatly present serious risks to landlords and property owners. This change is part of the National Consumer Assistance Plan (NCAP) and will be implemented by Experian, Equifax, and TransUnion. This change affects how Public Record data is reported by the credit bureaus. Or more importantly, what will no longer be included.

Credit bureaus will no longer collect or report tax lien data or civil judgements on public records. This has the potential to cause significant problems for anyone who uses credit reports to evaluate risk. A change like this prohibits mortgage lenders and landlords from having pertinent information for the assessment and evaluation of possible customers.

This article will explain why the changes have been made, what it affects and alternatives for continuing to access the crucial data needed to make the most important leasing decisions.


What Information Will be Missing?

Tax liens and civil judgements play a crucial role when it comes to determining the eligibility for individuals applying for a mortgage or a lease. If a mortgage lender or landlord pulls a record that shows a history of civil judgements or tax liens then this raises a red flag. These situations can be quite serious and often speak to the credibility and reliability of the applicant. A civil judgement is ordered by the court in the event of a legal dispute. Some of the most common civil judgements are for evictions that resulted in monetary damage. A tax lien is levied against homeowners who don’t make tax payments on time.

Damon McCall, Founder of ApproveShieldTM explains, “This essentially means a landlord or property manager will no longer have the data they need to make good decisions, which can easily result in loses due to evictions and other expenses. The ability to quickly know who is a high risk has been removed from the credit reporting system.

Tax liens and civil judgements can highlight the inability of the resident to follow through with the necessary payments. Many mortgage lenders and landlords will deny applicants who show these serious red flags on their credit reports. These applicants are typically denied in an effort to protect the mortgage lender or landlord.

Approving these applicants is very risky for landlords and mortgage lenders alike. Previously, any civil judgements or tax liens lingered on credit reports for quite some time. This allowed lenders and landlords to protect themselves against risk. Many companies don’t want to gamble with applicants who have a shady past when it comes to renting or owning their home. They don’t want to lose money, understandably so.



So What Has Changed?

A public record data must now meet minimum standards and service levels to appear on consumer credit reports. Data must now include the name, address, birth date, and/or the social security number of the consumer. In addition, updated public records from the courthouse must occur every 90 days at a minimum. These new requirements will result in a significant amount of information getting dropped from credit reports.

McCall adds, “The previous data will simply disappear, yet the average property owner or manager will have no idea. This presents a serious risk but most people in the industry won’t know until it is too late.”

Experian® Senior Vice President, Client Operations Sandy Anderson at Experian confirmed much of the data previously available will be going away. Anderson said in a letter dated June 24, 2016, “We anticipate significant change to civil judgment public record data as preliminary analysis shows approximately 96% of this data may not meet the enhanced PII requirements. It is very likely that civil judgment public record data will not be part of Experian’s core consumer credit database after July 2017.” This means that applicant eviction searches will no longer be available through previous methods.


Lack of Data Falsely Increases Consumer Scores

If applicant eviction searches are no longer available on consumer credit reports then scores will be inflated without this pertinent information. Property managers and mortgage lenders rely on this information. Without eviction and tax lien information on credit reports, they face additional risk with the inability to get the most accurate information. In addition, consumer credit reports that lack this information show an artificially high credit score.

An internal study by LexisNexis Risk Solutions indicates that “borrowers with a civil judgment or a tax lien are 5.5 times more likely to end up in serious default or foreclosure.” Property managers and owners know that default often leads to bad debt and evictions, which are expensive. The costs add up quickly. In Texas, there were 225,000 eviction cases filed from September 2014 to August 2015, resulting in 69,000 judgements and over $55 million in lost rent (see sidebar). Where did those 69,000 people move? Without the proper data, no one would know.


Is there an Alternative to Continue Receiving the Data?

Yes, mortgage lenders and landlords will still have access to this data to protect themselves. They will simply need to do it in another way. Companies like ApproveShieldTM, a third-party supplier, will become the new primary provider of all civil judgement, eviction, and tax lien information. They are a credit reporting agency with a database to help mortgage lenders and landlords minimize their risk. These companies provide information about these important key factors.

McCall adds, “In many ways, companies like ApproveShieldTM are better than the previous system through the credit reporting agencies. Simply because they are able to provide more current information than what was possible through the credit bureaus.” The companies accomplish this by discovering evictions filed on potential records very quickly. In many cases, they have the details the day after the eviction is filed. Credit reports could take 30-45 days to report this information.

McCall claims that the additional step to go through a third-party company like ApproveShieldTM is well worth the investment. “I have been in this business a long time. This data is so important to the leasing process, the extra step is simply a must. Just one eviction can pay for the small investment.

These third-party suppliers can continue providing the data that mortgage lenders and landlords need as crucial piece to their risk management policies. It allows them to reduce risk significantly and protect their company. This means less losses due to tax liens, civil judgements and evictions. Find a 3rd party supplier like ApproveShieldTM and get a complete history of each applicant. It may just save you a bundle!

For questions about ApproveShieldTM or to contact Damon McCall, visit their website or call 972.559.4730.


 

Portside Marketing

1011 Surrey Ln
Flower Mound, TEXAS 75022
United States
(972) 979-9316
info@portsidemarketing.com
https://www.portsidemarketing.com
Source: http://newswire.net/newsroom/blog-post/00097245-change-presents-risk-landlords-property-managers.html