Category:Theresa May

This is the category for Theresa May, the Prime Minister of the United Kingdom.

Refresh this list to see the latest articles.

  • 11 June 2017: Theresa May’s Conservative Party wins UK election but loses majority, leaving Brexit plan in question
  • 21 April 2017: Theresa May calls for June general election
  • 18 January 2017: Theresa May’s Brexit speech rules out single market membership
  • 21 November 2016: Senior UK politicians talk at Confederation of British Industry conference
  • 2 October 2016: UK Prime Minister Theresa May plans to trigger article 50 by end of March next year
  • 19 July 2016: ARM to be bought by SoftBank
  • 11 July 2016: Theresa May to become UK Prime Minister as opposition begins leadership election
  • 9 May 2015: Conservatives win majority in 2015 UK general election
  • 30 April 2014: UK government announce police stop-and-search powers rethink
  • 18 October 2013: UK politicians weigh in as ‘Plebgate’ affair reopens
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File photo of Theresa May, 2017. Image: Controller of Her Majesty’s Stationery Office.


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Pages in category “Theresa May”

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Carpet Material: Natural}

Carpet Material: Natural

by

barrysmycarpets

Carpet Material: Wool

Make your home luxuriously comfortable and effortlessly stylish with a beautifully soft wool carpet. Few sensations are better than sinking your feet into a lovely woollen carpet, and with its many practical benefits it’s definitely one of the best types of carpet to have in your home.

As well as looking and feeling amazing, wool carpet is also extremely practical. This natural material has many wonderful qualities that synthetic carpets simply can’t compete with. Wool carpets are incredibly easy to clean as they resist dirt, making them ideal for busy family homes or animal-loving households. The durability and resilience of wool carpet means it can be used almost anywhere in your home bringing luxurious comfort and style. Gone are the days of choosing between stylish comfort and practicality, because with wool carpet you can have both!

Wool carpets are available in three different varieties: Berber made from a loop pile, plush made from a cut pile and twist made by twisting yarn tightly together. Each type is durable and produces an attractive, even surface. One of the qualities that makes wool so ideal for carpets is that it is a long-lasting material. even in busy family homes and high traffic areas it will retain its shape and look great for years to come. Some people avoid buying wool carpets simply because they are more expensive than synthetic alternatives, but investing in the initial cost of wool carpet can actually save you money in the long run. Thanks to its natural fibres, wool carpet is a fantastic insulator; helping to keep your home cosy warm in winter and cool in summer in a way that no man-made flooring can. This not only makes your home a lovely, snug place to live no matter what the weather, it can also save you money on your energy bills! And because wool carpet lasts so much longer, you’re guaranteed to get more than your money’s worth from a lovely wool carpet.

So if you’d like a carpet that is super comfortable, easy to keep clean, saves you money and is hard-wearing enough to stand the test of time, take a look at our beautiful wool carpets.

Carpet Material: Wool

Make your home luxuriously comfortable and effortlessly stylish with a beautifully soft wool carpet. Few sensations are better than sinking your feet into a lovely woollen carpet, and with its many practical benefits it’s definitely one of the best types of carpet to have in your home.

As well as looking and feeling amazing, wool carpet is also extremely practical. This natural material has many wonderful qualities that synthetic carpets simply can’t compete with. Wool carpets are incredibly easy to clean as they resist dirt, making them ideal for busy family homes or animal-loving households. The durability and resilience of wool carpet means it can be used almost anywhere in your home bringing luxurious comfort and style. Gone are the days of choosing between stylish comfort and practicality, because with wool carpet you can have both!

Wool carpets are available in three different varieties: Berber made from a loop pile, plush made from a cut pile and twist made by twisting yarn tightly together. Each type is durable and produces an attractive, even surface. One of the qualities that makes wool so ideal for carpets is that it is a long-lasting material. even in busy family homes and high traffic areas it will retain its shape and look great for years to come. Some people avoid buying wool carpets simply because they are more expensive than synthetic alternatives, but investing in the initial cost of wool carpet can actually save you money in the long run. Thanks to its natural fibres, wool carpet is a fantastic insulator; helping to keep your home cosy warm in winter and cool in summer in a way that no man-made flooring can. This not only makes your home a lovely, snug place to live no matter what the weather, it can also save you money on your energy bills! And because wool carpet lasts so much longer, you’re guaranteed to get more than your money’s worth from a lovely wool carpet.

So if you’d like a carpet that is super comfortable, easy to keep clean, saves you money and is hard-wearing enough to stand the test of time, take a look at our beautiful wool carpets.

Barry’s My Carpet Inc. is a family owned and operated establishment. Barry Silverstein has over 38 years experience in the flooring industry. For more info on

carpet new york

visit http://barrysmycarpets.com/

Article Source:

eArticlesOnline.com}

Posted by in Construction

Climate change impacts Wyoming

Tuesday, March 18, 2008

Cheek numbing, eye watering winds whip across the plains of the Laramie Basin, Wyoming. The ground is yellow brown with patches of recalcitrant snow. Sheep Mountain is losing its winter coat. All normal affairs for March. The March edition of the Wyoming Basin Outlook Report also reports, based on February accumulations, that Snow Water Equivalent is at 99% of average.

The SWE is a measure of the snow pack that feeds the streams, rivers and reservoirs that Wyoming, Nebraska and other states depend upon for water. Current averages are compared to the average SWE for 1971-2000. In recent years, snow pack in this region has been anything but normal.

The Outlook Reports are issued January to June. Since March 2000, only five of 46 months have been above normal. While many of the winter months have been near normal, June’s snow pack is far below average. Even in 2006, the wettest year of the last eight years, June snow pack was only 37% of the average.

In an e-mail interview with Wikinews, Lee Hackleman, Water Supply Specialist, said

The snowpack is melting out several weeks earlier than average. The higher temperatures in the spring are responsible for this. There seems to be a significant drop in the amount of runoff that we are able to retain in our reservoirs, a lot of runoff seems to be soaking into the ground. We do not have the June flood events any more. We use to [sic] be cool then hot, not cool warm then hot.

In a phone interview with Wikinews, Myra Wilensky of the National Wildlife Federation in nearby Colorado, also commented on changing snow patterns.

In the west, nothing is ever clockwork, the patterns shift, a good amount of snowfall in the season and then a quick warm up. We don’t get the prolonged snowpack that we used to have. May have a really wet snow year, then really dry with rain.

Can’t count on getting estimated amount of snow anymore. March and November have historically been our snowiest months, but this year it’s been a fairly dry in March and November. Winter is shorter now.

This is part of a general increase in temperature in the region. An Intergovernmental Panel on Climate Change cited by the National Wildlife Federation estimates that the temperature will rise almost 7 degrees (F) by 2100.

This will likely cause most, if not all, of the state’s glaciers to disappear. Wildfires may increase, droughts could get worse and rains–when they do come–will likely come in more severe downpours that may cause more flash flooding. Warmer temperatures also mean less snowpack in the mountains, leading to more winter runoff and reduced summer flows in many Wyoming streams.

The NWF’s main concern is the fate of the wildlife in the region, particularly how the impact of pine bark beetles. Warmer winters have led to mass infestations in Western lodge pole pine forests and The New York Times reports that they are now moving on to white bark pines in Yellowstone particularly impacting grizzly bears there. In turn, the grizzlies are shifting to feeding on Canadian thistle, an invasive species that might be choking out native plants.

Changing weather patterns have also affected large migratory animals.

This year winter came late. When the heavy snows hit, the mule deer and the elk were spread out, had to be fed. Feeding isn’t newsworthy, happened before like in 1982 but it wasn’t as successful this year because they were so spread out.

Water for people has also become a major issue in the region.

There is a much greater concern for water rights than there used to be. There is not enough late season water to satisfy everyone all the time.

Kansas has long fought Wyoming over water rights issues. And Montana is currently suing Wyoming, claiming that the Yellowstone River Compact signed in 1950 gives rights to both surface and ground water, while Wyoming disagrees. On February 18, the Supreme Court agreed to hear the lawsuit.

Wyoming officials say they are adhering to the compact and that the drought has meant less water for both states.

But Montana says Wyoming is storing more water in reservoirs than the compact permits and allowing excessive pumping of groundwater reserves that feed into the two rivers.

Those “groundwater” reserves are tapped by some Wyoming farmers to irrigate their fields. Energy companies discharge large volumes of groundwater during production of coal-bed methane, a type of natural gas prevalent in northern Wyoming.

Authorities do not see this fight over increasingly limited water resources going away anytime soon.

Everyone is going to have to learn to get by with less.

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Woman finds human finger in bowl of chili at Wendy’s restaurant

Thursday, March 24, 2005

San Jose, California — A woman eating a bowl of chili at a Wendy’s restaurant bit into a chewy bit that turned out to be a human finger. She immediately spat it out, warned other patrons to stop eating, and upon recognizing the object as a finger, vomited.

“I’m more of a Carl’s Jr. person,” the 39-year-old Las Vegas woman, Anna Ayala, told Knight Ridder. She said this incident was her first visit to a Wendy’s restaurant. Ayala described how she found the finger, “Suddenly something crunchy was in my mouth,” she continued, “and I spit it out.”

According to Devina Cordero, 20, after Ayala found the finger, she ran up to her and Cordero’s boyfriend and said, “Don’t eat it! Look, there’s a human finger in our chili.”

“We went up to the counter and they told us it was a vegetable,” Cordero continued. “The people from Wendy’s were poking it with a spoon.”

The restaurant is located at 1405 Monterey Highway, just south of downtown San Jose.

Wikinews reporter David Vasquez drove his car up to the drive-thru menu and found that chili was still on the menu, at a price of US$1.19 for a small serving. He also witnessed workers unloading supplies from a semi-trailer truck in the restaurant’s parking lot, and carting them into the back door of the establishment.

According to Ben Gale, director of environmental health for Santa Clara County, the finger did not come from any of the employees at the restaurant. “We asked everybody to show us they have 10 fingers and everything is OK there,” he said. The found portion of the finger likely belonged to a woman because of its long and manicured fingernail, also found in the food.

Officials seized the food supply at the restaurant and are tracing it back to the manufacturer, where they believe the finger may have gotten mixed in with the raw ingredients used to prepare the chili. The restaurant’s operators were later permitted to re-open after preparing new chili prepared from fresh ingredients.

As this story was filed, there was no mention of the incident on the Wendy’s corporate web site. Wendy’s issued a statement through a spokesman.

“Food safety is of utmost importance to us,” said Wendy’s spokesman Joe Desmond. He referred to the incident as an “unsubstantiated claim.”

“We are cooperating fully with the local police and health departments with their investigation. It’s important not to jump to conclusions. Here at Wendy’s we plan to do right by our customers,” Desmond said.

According to county health officials, the unfortunate woman who bit into the finger is doing fine, despite her initial reaction. Officials also noted that the finger would have been cooked at a high enough temperature to destroy any viruses.

The Santa Clara county medical examiner reported that the finger had a solid fingerprint, although investigators did not say if a search of fingerprint databases would be performed to find the owner of the finger.

This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
This article features first-hand journalism by Wikinews members. See the collaboration page for more details.
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Ontario Votes 2007: Interview with Family Coalition Party candidate Tad Brudzinski, Newmarket-Aurora

Tuesday, October 2, 2007

Tad Brudzinski is running for the Family Coalition Party in the Ontario provincial election, in the Newmarket-Aurora riding. Wikinews’ Nick Moreau interviewed him regarding his values, his experience, and his campaign.

He did not answer the question “Of the decisions made by Ontario’s 38th Legislative Assembly, which was the most beneficial to your electoral district? To the province as a whole? Which was least beneficial, or even harmful, to your riding? To the province as a whole?”

Stay tuned for further interviews; every candidate from every party is eligible, and will be contacted. Expect interviews from Liberals, Progressive Conservatives, New Democratic Party members, Ontario Greens, as well as members from the Family Coalition, Freedom, Communist, Libertarian, and Confederation of Regions parties, as well as independents.

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Moscow celebrates Victory Day with military parade

Monday, May 11, 2009

On May 9, Moscow heralded its celebrations of Victory Day with one of the largest military parades seen since the fall of the Soviet Union through the Red Square and the streets of Moscow. Signifying the defeat over Nazi Germany in 1945 in World War 2, Victory Day continues to be one of the most poignant and emotional celebrations and national holidays in Russia. Estimates of more than 27 million lost lives during the war continues to leave a vein of sadness in Russia.

Victory day began early in Moscow with inner city streets being closed from 6am and the major entrance of Tverskaya Ulitsa completely locked down with all access to non-military blocked until the end of the parade. Tens of thousands of people lined the upper parts of Tverskaya to see the exit of the military as well as the air force fly-over on their entrance to Red Square. In total more than 9,000 troops, 69 planes and a huge collection of armored vehicles, tanks, and massive anti-aircraft missile defense systems ensured that Moscovites and the rest of Russia will remember Victory Day 2009.

In scenes reminiscent of the end of the war military bands played around the city until all hours of the night. At Leningradsky station departing veterans and widows danced and celebrated with younger generations whilst loudly singing the national anthem. As trains departed, staff handed out flowers in recognition of the contributions made and loud cheers were heard across the many platforms. In a touching event it seemed to bond the generations of yesterday and today.

Preparations for the military parade began months ago with regular rehearsals in Alabino including the erection of a mock Red Square and Kremlin to ensure authenticity. Final dress rehearsals took place in Moscow on May 7 including a full practice of the air show. On display for the first time was the S-400 air defense system which is capable of intercepting airborne targets at ranges up to 400 kilometers (249 mi).

Following the official parades and ceremonies, Red Square and the the inner city was opened to the public, albeit under extreme security and an ever watching eye from Interior Ministry troops. During the afternoon there was an estimated crowed of over 100,000 which entered Red Square to admire the parade ground and decorations, including the official stand for the dignitaries.

Closing the festivities was a series of fireworks in fourteen different locations throughout Moscow including the grand display over the Kremlin and Red Square.

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CNet Reporter James Kim, family missing

Saturday, December 2, 2006

CNET editor, former Fresh Gear contributor, and Lab analyst James Kim has been missing since Saturday. Police have opened a missing person investigations and called on those, especially from the Oregon area, having any information on the whereabouts of the missing family to contact them.

The information below is from the official investigation by the San Francisco Police Department (SFPD) – missing family members include: James, Kati, Penelope (age 4.5) and Sabine (6 months).

Overview: The Kim Family left San Francisco on November 17th on a road trip to the Pacific Northwest. They had Thanksgiving in Seattle with family and then drove to Portland. They were last seen by their friends in Portland whom they had brunch with on Saturday, November 25. According to their friends, their plans were to drive out to the town of Gold Beach on the Oregon Coast and then make their way back to San Francisco. James was expected back at work on Tuesday, November 28th. When no one had heard from him by Wednesday morning employees at the Kims’ two stores and his colleagues at CNET began to make phone calls to his family and friends to inquire of his whereabouts. Presently, the SFPD is investigating the case.

The family was last heard from at around 5:45 PM on Saturday. A hotel clerk at the Tu Tu Tun lodge in Gold Beach, Oregon took a call from James. He said he was about five hours away. The hotel clerk said she would leave the keys out for them as the lobby would be closed after 10:00. The keys were still in the same place the next morning. The clerk believes James referred to being near Salem, Oregon at the time. They were driving a 2005 silver Saab 9-2X station wagon with California personalized plates of “DOESF”.

More details and pictures of the family are available on CNET’s Crave Blog.

If you know anything about James’ whereabouts, you can contact the SFPD by calling 415-558-5508 during normal business hours and 415-553-1071 after hours.

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American Academy of Pediatrics supports dairy for lactose intolerant children

Wednesday, September 6, 2006

The American Academy of Pediatrics (AAP), in the September 2006 issue of its journal Pediatrics, supports the use of dairy by lactose intolerant children.

Dr. Melvin B. Heyman, author of the article, says that just because a child is lactose intolerant, does not mean that they should avoid dairy altogether. Many lactose intolerant people can consume small amounts of dairy.

Heyman says that dairy consumption is important, especially for children, because of its high calcium content. The calcium is, in turn, important for stengthening growing bones. “If dairy products are eliminated,” the article says, “other dietary sources of calcium or calcium supplements need to be provided.”

Lactose intolerance is a condition, present in the majority of human population above the age of infancy, due to which the body cannot tolerate lactose, a sugar present in milk and other dairy products. Lactose intolerance causes a range of unpleasant abdominal symptoms, including stomach cramps, bloating, flatulence and diarrhea.

As lactose intolerance is inherent, its prevalence varies by ethnic group. For example, while only 12% of American Caucasians have it, its prevalence is 75% among African Americans, 93% among Chinese, 60%-80% among Ashkenazi Jews,and 100% among American Indians. Many people do not realize that they have this condition simply because they have eaten dairy all their lives and view the symptoms of lactose intolerance as “normal”.

Physicians Committee for Responsible Medicine (PCRM) has long stated that the risks of consuming dairy far outweigh the benefits. According to PRCM’s fact sheet, called “Parents’ Guide to Building Better Bones”, there are many healthy ways of getting enough calcium and promoting bone health. Many foods contain calcium, not just dairy. Also, it is important to consider the amount of calcium absorbed, not just the amount of calcium present in a food. For example, more than three times as much calcium is absorbed from one serving of Total Plus cereal as from one serving of 2% milk.

PCRM promotes a strictly vegetarian diet. Despite its name, it claims only 5 percent of its members as physicians. PCRM has also been accused of having links with animal rights “extremists”, in particular Jerry Vlasak, a former PCRM spokesman who called for the murder of scientists who use animals in research.

The report in News-Medical.Net says that Ann Marie Krautheim, with the National Dairy Council, a dairy lobbying group, says

she hopes the report will educate parents on how to continue to include dairy in the diets of children sensitive to lactose and also help improve their nutrient intake. Krautheim says calcium-fortified beverages and other foods which seek to provide an alternative source of calcium, do not provide an equivalent nutrient package to dairy foods such as milk, cheese and yogurt.

This last statement, however, that dairy products are superior to calcium-fortified foods, is not supported by the article in Pediatrics.

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Natural Swimming Pools

By Chas And Daff

Natural swimming pools are based on ponds and pools that were once found so abundantly in the landscape. They are a chemical free combination of swimming area and aquatic plant garden, and so form an intimate part of the garden landscape. Natural swimming pools can also make a very important contribution to the restoration of aquatic flora and fauna.

They always take the form of a

swimming area

and a

regeneration area

. Sometimes these are at the same (water) level and sometimes the regeneration area is at a separate level.

Natural Swimming Pools – Basic Rules

There are some basic rules for their construction:-

[youtube]http://www.youtube.com/watch?v=msSuhMInlnQ[/youtube]

1) You will need a deep area for swimming, between 5 feet (1500mm) and 7 feet (2200mm) with vertical walls.

2) You will need a similar expanse for the regeneration area, which will vary in water depth (down to nothing at the edges). The regeneration area will contain aggregate for filtration in a mass from 2inches (50mm) to eighteen inches (450mm) and averaging 1 foot (300mm).

3) You will need to follow local laws (sometimes quite stringent) for safety fencing.

4) A total area of 50 square metres (25 for the swimming area and 25 for the regeneration area) is recommended by some, but many people are now finding that 100 square metres (50 each for swimming area and regeneration area) gives better, more stable, and more predictable results.

5) You will need a circulating pump to draw water through the gravel bed of the regeneration zone, if the regeneration area and the pond are on the same level. If the regeneration area is above the pond it may drain naturally into the pond, but you will still need a pump to feed it.

Running Cost

You will save money on running costs and you will save on some special features (such as chemical treatment units) but the capital cost is at present quite high reflecting to a degree the complexity of organizing the biological processes. It is arguable that installing a normal swimming pool is a entirely mechanical process that can be handled by competent builders/engineers without much specialist knowledge. On the other hand a natural swimming pool requires specialized skills and knowledge, for which at the moment you are paying a premium.

You will have to allow for slightly higher maintenance. The regeneration area will be actively managed removal of excess vegetable matter, replacement of plants that are not doing well, and so on.

You will also have a pool which integrates much better into the garden landscape. If you always wanted a pool for exploring the attractions of pond life, aquatic plants and so on then this is your excuse.

Extra Sources of Information

There are good but slightly academic sources of information on the internet about natural pools. The best is from Europe, where hundreds of natural swimming pools have been built, but really what you must do is make contact with natural swimming pool builders, who not only know the practical wrinkles of building and landscaping a pool, but who will also be able to point you to actual examples.

About the Author: Chas and Daff run a website which is devoted to

new landscaping ideas

which they try out in their own gardens in France. They live in Brittany and run three

holiday cottages

(see www.ruelmain.com.uk).

Source:

isnare.com

Permanent Link:

isnare.com/?aid=200923&ca=Gardening

Posted by in Home Builder

Chula Vista, California becomes model for blight control laws in the US

Tuesday, October 14, 2008

The San Diego, California suburb of Chula Vista has responded to the recent housing crisis with an aggressive blight control ordinance that compels lenders to maintain the appearance of vacant homes. As foreclosures increase both locally and throughout the United States, the one year old ordinance has become a model for other cities overwhelmed by the problem of abandoned homes that decay into neighborhood eyesores.

Chula Vista city code enforcement manager Doug Leeper told the San Diego Union Tribune that over 300 jurisdictions have contacted his office during the past year with inquiries about the city’s tough local ordinance. Coral Springs, Florida, and California towns Stockton, Santee, Riverside County, and Murietta have all modeled recently enacted anti-blight measures after Chula Vista’s. On Wednesday, 8 October, the Escondido City Council also voted to tighten local measures making lenders more accountable for maintenance of empty homes.

Lenders will respond when it costs them less to maintain the property than to ignore local agency requirements.

Under the Chula Vista ordinance lenders become legally responsible for upkeep as soon as a notice of mortgage default gets filed on a vacant dwelling, before actual ownership of the dwelling returns to the lender. Leeper regards that as “the cutting-edge part of our ordinance”. Chula Vista also requires prompt registration of vacant homes and applies stiff fines as high as US$1000 per day for failure to maintain a property. Since foreclosed properties are subject to frequent resale between mortgage brokers, city officials enforce the fines by sending notices to every name on title documents and placing a lien on the property, which prevents further resale until outstanding fines have been paid. In the year since the ordinance went into effect the city has applied $850,000 in fines and penalties, of which it has collected $200,000 to date. The city has collected an additional $77,000 in registration fees on vacant homes.

Jolie Houston, an attorney in San Jose, believes “Lenders will respond when it costs them less to maintain the property than to ignore local agency requirements.” Traditionally, local governments have resorted to addressing blight problems on abandoned properties with public funds, mowing overgrown lawns and performing other vital functions, then seeking repayment afterward. Chula Vista has moved that responsibility to an upfront obligation upon lenders.

That kind of measure will add additional costs to banks that have been hit really hard already and ultimately the cost will be transferred down to consumers and investors.

As one of the fastest growing cities in the United States during recent years, Chula Vista saw 22.6% growth between 2000 and 2006, which brought the city’s population from 173,556 in the 2000 census to an estimated 212,756, according to the U.S. Census Bureau. Chula Vista placed among the nation’s 20 fastest growing cities in 2004. A large proportion of local homes were purchased during the recent housing boom using creative financing options that purchasers did not understand were beyond their means. Average home prices in San Diego County declined by 25% in the last year, which is the steepest drop on record. Many homeowners in the region currently owe more than their homes are worth and confront rising balloon payment mortgages that they had expected to afford by refinancing new equity that either vanished or never materialized. In August 2008, Chula Vista’s eastern 91913 zip code had the highest home mortgage default rate in the county with 154 filings and 94 foreclosures, an increase of 154% over one year previously. Regionally, the county saw 1,979 foreclosures in August.

Professionals from the real estate and mortgage industries object to Chula Vista’s response to the crisis for the additional burdens it places on their struggling finances. Said San Diego real estate agent Marc Carpenter, “that kind of measure will add additional costs to banks that have been hit really hard already and ultimately the cost will be transferred down to consumers and investors.” Yet city councils in many communities have been under pressure to do something about increasing numbers of vacant properties. Concentrations of abandoned and neglected homes can attract vandals who hasten the decline of struggling neighborhoods. Jolie Houston explained that city officials “can’t fix the lending problem, but they can try to prevent neighborhoods from becoming blighted.”

HAVE YOUR SAY
Does Chula Vista’s solution save neighborhoods or worsen the financial crisis?
Add or view comments

CEO Robert Klein of Safeguard, a property management firm, told the Union Tribune that his industry is having difficulty adapting to the rapidly changing local ordinances. “Every day we discover a new ordinance coming out of somewhere”, he complained. Dustin Hobbs, a spokesman from the California Association of Mortgage Bankers agreed that uneven local ordinances are likely to increase the costs of lending. Hobbs advised that local legislation is unnecessary due to California State Senate Bill 1137, which was recently approved to address blight. Yet according to Houston, the statewide measure falls short because it fails to address upkeep needs during the months between the time when foreclosure begins and when the lender takes title.

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