Foreclosure Statistics and Foreclosure Defense Links

Foreclosure news is getting tiring, but since I'm joining the ranks of people with their houses in foreclosure and I haven't written in a while, I thought I'd throw up a post on foreclosure statistics to help those who are looking to find the latest foreclosure statistics. Personally, I'm just sick of reading about and dealing with foreclosure news and information. On top of my own foreclosure, I've had a few assignments writing articles on foreclosure and bankruptcy. No pity for me though, I'm looking forward to moving, my house is falling apart, and the house is in my ex-husband's name whom I haven't seen in four years. It'll be a weather shock though - we're planning on moving from NY to the Tri-cities area in TN. I'll be positioned right in the middle of my kids in PA, VA and NC. I'm tired of fighting winter and I have a low-tolerance for the cold, so I'll appreciate the above-zero no-shoveling-or-getting-stuck-in-the-driveway winters.

If you're looking for NY courts, forms and regulations, try the New York State Unified Court System website, and their page with a couple new 2008 foreclosure regulations. You can also find lots of court forms needed for foreclosure proceedings at the NY Bar Association website. A NY Times May 2009 article stated foreclosures are happening now more than ever in NY, so I don't feel all alone. The article has some easy to refer to charts and statistics as well. CNN reported that California is suffering from the most foreclosures, and also brought to light that the children suffer as a result of unexpected and financially difficult moves. Even as a mother of six, I hadn't given thought to the great impact foreclosure has on young children. Perhaps because my kids are going off to college anyhow (4 down, 2 to go), and the remaining two and I are looking forward to moving. I do think the effects of foreclosure on children is a topic that definitely deserves more attention, and likely more study.

Statehealth.org has foreclosure ranks and percentage changes by state. Virginia University has a 2009 report ccomparing foreclosure and housing statistics between states and metro areas. The Center for Housing Policy, a partner of the National Housing Conference, has a comprehensive state and metro comparison, drop down search option for statistics by metro area on their "Paycheck to Paycheck" analysis, and a list of housing and foreclosure reports.

If you need Federal data and statistics on foreclosure, the Federal Reserve Board has foreclosure maps and foreclosure trends, as well as a dedicated area for foreclosure resources. Docuticker is a "ticker" website of updated government news, and has updates of the latest foreclosure news from government agencies. You can always review the latest foreclosure search results from the White House website, or US Treasury search results on foreclosure,. The FDIC has some random foreclosure statistics, and if you want to browse through some 2009 foreclosure statistics in pdf files you can take a look at the FDIC's foreclosure search results. If you're looking for information on the banking industry, the FDIC also has links to banking data and statistics (obviously). The FDIC has a quarterly report in pdf form that you can view for 2009 statistics.

The Mortgage Bankers Association (MBA) gets quoted a lot in the news, but they don't have a lot of free statistics on their website. However, the Research Institute of Housing America (RIHA) is a trust 501(c) under the Mortgage Bankers Association, and is a good source for mortgage and housing data. You can also find the latest foreclosure statistics in news articles from websites like Market Watch.

Having a blog post on foreclosure statistics would be incomplete without mentioning HUD. First of all, they have datasets from the oft-referred to yearly American Housing Survey. HUD also has a research link with some housing data and statistics, and an "online library" to pursue HUD related topics a little further.

If you've gone to Realty Trac, take a look at this recent article examining the accuracy of foreclosure statistics reported by Realty Trac. I just found the Foreclosure Industry website, and it looks like it's keeping up with current foreclosure statistics, and the "Loan Audit" blog that is keeping up with mortgage and housing news.

You'll also find more data and recent news on foreclosure from a search result at the search engine in my blog.

For anyone wanting some legal resources on affirmative defenses to foreclosure, or just general legal information on foreclosure, I found the "Foreclosure Defense Group" website helpful, and I believe I used information from the Patriot's War website (although it was on their old website, they have a lot of info on their new one). NOLO is a publisher of legal books and their website is to promote their products, but they have a lot of links to free information, and I've often found their website very helpful in the beginning stages of research. They also have a useful page dedicated to foreclosure information and proceedings. You can also take a look at Kenneth M DeLashmutt's very nice article which includes easy to understand steps and defenses as well as a few case citations and useful foreclosure links. The Preventing Foreclosure blog has useful information, foreclosure defenses, and forms. If you haven't paid a visit to Scribd, they have tons of documents that people have uploaded to search. Try the search results for foreclosure or foreclosure affirmative defenses. There's also the Foreclosure Defense Nationwide blog with case citations and quotes from court foreclosure filings.

Above all, if you know someone who has received a Summons and Complaint for a foreclosure, make sure they serve their legal Answer within 20 days, even if it's "pro se." It will stall the foreclosure for months, and they'll have time to either get an attorney, look into loan modification, arbitration and settlement opportunities, deed-in-lieu of foreclosure, short sales, bankruptcy, and other prevention strategies and foreclosure options, or even wait for upcoming help for homeowners. There's a lot out there, and if you serve an Answer in time, you'll have time to review those options. Shoot me an email at getanswerserved at gmail dot com if you need some help typing up an answer to serve "pro se" and can't afford an attorney.

Well, I'm still sick of reading about foreclosure but they're not going away any time soon. I know there are thousands of other resources out there, unfortunately I wasn't able to pinpoint them all. I'll keep updating my blog's search engine so you can always check for more foreclosure statistics.

It's time for me to pack up now (pathetic pun intended)...happy statistics hunting or happy house hunting!

P.S. How could I forget my dear friend Swivel? Don't forget to check out foreclosure statistics, graphs and charts created by the Swivel community!

Statistic Resources on Children with Aids for World Aids Day

Statistics on Children with Aids are slowly surfacing as the Aids epidemic passes down through the generations. One of the primary locations for research on AIDS with recent statistics and information on Aids is at the United Nations Aids website, UNAIDS.ORG. This website has information on the latest research, statistics, graphs, tables, Excel formatted data, charts and international Aids information. There is a free pdf download of UNAIDS 2008 Global Report on Aids, with a link to a jpg wall chart demonstrating the prevalence of Aids by country on the same page.

UNICEF has produced one of the most notable reports on children with Aids. The Children and AIDS: Third Stocktaking Report, 2008 is a free pdf download available on the UNICEF and UNAIDS websites. UNICEF has a short article on the Children and Aids report which lists some highlights and findings on transmission of AIDS to children, awareness and prevention, and statistics on treatment.

International Aids statisticians and medical experts agree that early treatment of Aids in children significantly increases the chances of survival. The Children and Aids report lists a study on Antiretroviral Therapy which demonstrated that treatment of AIDS in the first 12 weeks of a child's life reduces mortality by around 76%.

The US National Institute of Allergy and Infectious Diseases (NIAID) reported on November 19, 2008 a landmark study that further confirmed early treatment can reverse a child's death sentence with AIDS. In this New England Journal reported study, it was discovered that infants with HIV who received Antiretroviral Therapy at an average age of seven weeks increased their chances of living, and the HIV infected infants were "four times less likely to die in the next 48 weeks" when compared to waiting until the symptoms of HIV surfaced.

The NIAID also has an informative page on HIV, Aids and Infants with a summary of treatment and statistics from 2004. The Center for Disease Control and Prevention in the US has a page with statistics and research on mother to child Aids transmission. Fortunately, it demonstrates that transmission has be reduced with increased treatment of Aids during pregnancy. They also have graphs on the state of HIV/Aids as defined by several categories, and a separate page on graphs with teenage Aids statistics. The National Institute of Health has a branch for Pediatric, Adolescent & Maternal AIDS.

Unfortunately, the majority of women do not get tested for Aids during pregnancy and statistics are showing that 25% of pregnant women who have Aids are unaware that they carry the disease. The Children and Aids report also indicated that children from an AIDS household were often not tested until they were two months old. Awareness and availability of AIDS therapies and medications will determine which child lives and which child dies.

US Aid reports that 90 percent of the 5.1 million people in India with HIV/AIDS don't know about their status until a crisis occur. A Times of India November 2008 article on Aids and Children lists some very grim statistics for children with Aids in India.

Paediatrician Sanjay Lalwani, head of the department of paediatrics, Bharati Hospital and Research Centre, says 10 to 15 per cent of children who get the infection from their mothers die within the first two years. Eighty to 85 per cent of them develop AIDS between the ages of five and seven and die.

The progression from HIV infection to AIDS can be prevented by treating these children with anti-HIV drugs (anti-retroviral therapy) when their immune system starts deteriorating. "The treatment may not be of much help if you start it at late stage of infection. At present, the government of India gives the drugs only to those children in the later stages of HIV infection," said Oswal.

The article lists AIDS statistics from the World Health Organization, and expresses the need for treatment with a listing of Aids Clinics and Aids care facilities that are available for children in India with Aids. The World Health Organization also has a page dedicated to information on children with Aids which has many pdf files, Aids treatment research, tables and graphs with statistics available in a free download.

Children with Aids have many faces. UNICEF has a Voices of Youth page. There is a YouthAids website that has Aids statistics on youth and Aids as well as general Aids statistics. The Global Ministries at The United Methodist Church has personal stories from HIV infected individuals and those suffering from AIDS. The Children with Aids Project seeks to find homes for children with AIDS and raise money for the orphans of Aids. National Public Radio has an audio broadcast from a 14 year old with Aids.

BBC reported in an article on 40 children contracting Aids in a hospital in Uzbekistan that "The United Nations says Central Asia has one of the world's fastest-growing HIV infection rates" and "Unsafe blood supplies and contaminated equipment are often blamed for spreading the infection." CNN did an indepth study on AIDS in the early 21st century, and there are many valuable historical facts on AIDS as well images, graphs and personal stories at their website. A 2006 BBC article examined how AIDS affects the workforce in Africa. This has a link to a BBC bar graph on Aids statistics around the world.

The Health Resources and Services Administration’s Maternal and Child Health Bureau (MCHB) has a bar graph on the transmission methods of Aids to children under 13 in the US according to race. The chart is slightly outdated, as it is from 2004. Nationmaster is always good for statistics on just about anything, and they have an easy bar graph to follow which reports children living with AIDS by country.

The Stolen Childhood blog, which lists international issues and global statistics on many health, drug and crime issues that are tragic to the livelihood of children, has a post on Aids and Kenya from 2007. The UC Atlas of Global Inequality from the University of California has a link to charts, graphs and maps on children and Aids. However, be aware that the page on children and Aids has not been updated since 2006. The website however, is rich with information, statistics, whitepapers, information on conferences and links to rich resources of global statistics.

Swivel is great for finding graphs and charts, and if you need more statistics on Aids, a search for AIDS at Swivel will bring a couple pages of results about Aids statistics. Some statistics on Aids in the United States by State can be found at State Health Facts website, which offers links to many statistics on health topics, including demographics and health indicators.

The US Department of Health and Human Services has a Fact Sheet on Aids, The US Government also has an HIV/AIDS website at AIDS.GOV which has links to preventative literature and statistics on some US prevention efforts, location of HIV testing sites, and research on clinical studies. There is also a link to a list of funding agencies and programs for Aids, an Aids Youth Fact Sheet, and a nice list of Aids Agencies and Programs.

Statistics on Aids can be found on millions of websites. However, if you are doing research and are looking for accurate figures on Aids and Youth and Children, keep in mind that "youth" and "children" are often defined by different age groups. The age 15 has been included in children, youth and adult statistics on Aids.

Educating and providing early treatment to women and infants with Aids can drive the mortality statistics on children and Aids on a sharp down curve. Keeping our future generations free from Aids by providing education and early treatment of pregnant women and infants will put a stop to its generational growth. Who knows? One of the lives that are saved could be the life that finds a cure for Aids and ends the deadly disease for all future generations.

Statistics on Education and Statistic Websites with Search Engines

The government's census website isn't the only website available to gather statistics on the U.S. and education. I stumbled on some websites today that have search engines for statistics, graphs, and all kinds of educational statistics, employment statistics, economy statistics, lifestyle statistics and more.

Since today's the first day of college for most kids (adults), I thought I'd post some links to websites and journals on education. There's millions of websites that have educational data - but these are just a few that can give someone a head start on their research:

The National Center for Educational Statistics
is a government website with a consortium of statistics on education. Fast facts ($489 billion dollars will be spent on education, enrollment is up for students under 25, over a million children are homeschooled), as well as detailed data tables and graphs are available. You will likely find the statistics you need at this website faster than the US Census website.

Today I stumbled on Statemaster.com which has educational statistics on assessments, race, gender, grade, expenditures, public libraries, and other links to economy, housing, crime, immigration, sports and a few others. (Even the presidential election.) Definitely worth a visit. Just for kicks I tried "homeschool" in their search engine and there were no results. However, the website is chock full of statistics on education and up-to-date information on today's society.

The people at Statemaster also have Nationmaster.com - a very comprehensive and useful website for educational statistics and international statistics on society. They describe themselves as:

"a massive central data source and a handy way to graphically compare nations. NationMaster is a vast compilation of data from such sources as the CIA World Factbook, UN, and OECD. Using the form above, you can generate maps and graphs on all kinds of statistics with ease."

BBC World and New York Times both paid high compliments to Nationmaster.("A statistician's dream.")

The creators of Nationmaster and Statemaster have also created some great search engines for information and statistics at Factbites and a wiki search engine that searches over multiple wikis at Qwika.

The American Educational Research Association Special Interest Group has a Long List of Free Journals on Education. EdInformatics has links to educational journals - all of them are not free access though. Still, there are a good number of quality links.

The Education Resource Information Center (ERIC) has long been one of my favorite websites to visit and is a wonderful source. Good 'ol Wikipedia even has a resource for education statistics within their listing for Free Online Journals, including Australasian Journal of Educational Technology that offers free access to all articles that are over three months old, and Educational Technology which is a free open-access journal.

And since this blog is about statistics - I can't leave out the free open-access journal of The Philosophy of Mathematics Education. Philosophy? Mathematics? Interesting combination. Here you'll find a link to Social Constructivism as a Philosophy of Mathematics: Radical Constructivism Rehabilitated.

Mathematics Teacher has very limited free access, however they do have free previews - which amount to a free download of one or two articles. This month, it's Squaring Matrics: Connecting Mathematics and Science. The articles in Mathematics Teacher are reasonably priced though. The Evolution of the Cartesian Connection by Gail M. Anderson is only $6.00 to download. (Maybe worth it if you know what a Cartesian Connection is. Let me know when you find out!)

Hope these links can help you with your quest for statistics on education. Don't forget the search engine on this blog is set up to search only websites with statistics so give that a try too! It's updated frequently - so make sure to bookmark this blog to help you with your research!

Happy Learning!