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Survey: lawyers ready to join in major push to spot and report financial fraud targeting older Americans

August 12, 2014 Comments off

Survey: lawyers ready to join in major push to spot and report financial fraud targeting older Americans (PDF)
Source: Investor Protection Trust (IPT), the Investor Protection Institute (IPI), and the American Bar Association (ABA)

Nine out of 10 practicing attorneys surveyed by the Investor Protection Trust (IPT), the Investor Protection Institute (IPI), and the American Bar Association (ABA) are willing to take part in a new campaign to address the estimated 20 percent of older America ns who have been the victims of investment fraud and financial exploitation.

In releasing the survey findings, the three groups announced that they are launching the Elder Investment Fraud and Financial Exploitation (EIFFE) Prevention Program Legal. The EIFFE Prevention Program Legal will develop, test, and implement a model national continuing legal education (CLE) program to teach lawyers to: (1) recognize clients’ possible vulnerability to EIFFE due to mild cognitive impairment (MCI); (2) identify EIFFE in their clients; and (3) report suspected instances of EIFFE to appropriate authorities. In June 2010, the Investor Protection Trust released a national survey showing that one out five older Americans are victims of financial swindles.

+ Survey Results (PDF)

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Lenders Note Impact of Higher FHA Fees

August 1, 2014 Comments off

Lenders Note Impact of Higher FHA Fees
Source: National Association of REALTORS®

The mortgage market was buffeted by a number of changes in 2013 and 2014 among them higher fees at the FHA. NAR Research’ s second Survey of Mortgage Originators includes questions about the impact of changes to the FHA program on consumers.

Since 2010, the FHA has increased the rates it charges for mortgage insurance. On average, responding lenders indicated that 5.7% of originations were lost because of the increase in FHA fees. The distribution clustered between a response of 1.1% to 2.0% and 6.1% to 7.0%. A loss of 5.7% in sales would correlate to roughly 200,000 to 250,000 home sales lost, near the mid-point of estimates NAR Research produced in April.

IFLA 2014 eLending Background Paper

July 31, 2014 Comments off

IFLA 2014 eLending Background Paper (PDF)
Source: International Federation of Library Associations and Institutions

eBook Trends

Given the different stages of maturity of eBook publishing in different countries, it is not surprising that digital publishing statistics and trends vary substantially by region and country.

In the United States, the most developed market for eBooks, 2013 saw a significant decline in eBook sales growth. This is dramatically illustrated considering the Association of American Publishers’ first quarter eBook sale s growth (the peak selling period of the year) over the past 4 years:

2010 +252%
2011 + 159%
2012 + 28%
2013 + 5%

When considering eBook sales it is now routine for English language market analysts to use terms like “matured’, “levelled off” and “plateaued”. Having said this it is evident that eBooks now form an important and still growing revenue stream for trade publishers. In the words of one commentator “The e-book may turn out to be more of a complement to the printed book, as audiobooks have long been, rather than an outright substitute”.

Having said this it is evident that eBooks now form an important and still growing revenue stream for trade publishers. In the words of one commentator “The e – book may turn out to be more of a complement to the printed book, as audiobooks have long been, rather than an outright substitute”. In this context it should be noted that in 2013 overall US adult trade hardcover book revenue rose 9.7% in 2013 , while adult eBook revenue rose by 3.8%. In 2013 in the US, overall adult eBook revenue accounted for 27% of all adult trade revenue. By comparison, 2013 eBook sales in Canada (a less mature market for eBooks) accounted for 17% of all book purchases. In non – English speaking EU countries eBook sales revenue is correspondingly much lower, numbering in the low single digits: e.g. in Norway eBook sales account for less than 1% of publisher revenue and in The Netherlands 2.2% of revenue.

Hat tip: INFOdocket

Guidelines for the Use of Fishes in Research

July 29, 2014 Comments off

Guidelines for the Use of Fishes in Research (PDF)
Source: American Fisheries Society

The understanding and welfare of animals used in research can be served best by using a multidisciplinary approach in which data and expertise are derived from such disciplines as ecology, behavioral studies, nutrition, genetics, toxicology, chemistry, endocrinology, physiology, anatomy, and fish health. At the same time, understanding that research is conducted in a variety of human cultural settings is important. Ideally, scientific procedures, analytical methods, data interpretations, and conclusions based on scientific studies should be consistent across all cultures; however, personal belief systems can and do influence concepts regarding which practices and methods are, or are not, consistent with humane treatment of animals. Some members of the 2014 Uses of Fishes in Research (UFR) Committee also served on the committee that revised the 2004 Guidelines (Use of Fishes in Research Committee 2004). The 2004 and 2014 Guidelines not only reflect the scientific expertise of both UFR Committees but also provide a framework for the promotion of scientifically valid research on fish and fish habitats and for research that is conducted in a manner acceptable to the social communities within which the research takes place.

The Guidelines address both field and laboratory rese arch with fishes and will serve as a resource document on topical themes. Specific information in response to United States laws is a focus here, yet these Guidelines can be applied and adapted internationally by investigators working within their own ins titutional infrastructure with regard to animal care and use committees. Internet pathway links to various Web sites and documents are included; however, such pathways to online media may change.

2013 Digital Inclusion Survey Results Published

July 28, 2014 Comments off

2013 Digital Inclusion Survey Results Published
Source: Institute of Museum and Library Services, American Library Association, Information Policy & Access Center (University of Maryland), International City/County Management Association

Funded by the Institute of Museum and Library Services (IMLS), and conducted by the American Library Association (ALA), the Information Policy & Access Center (iPAC) at the University of Maryland, and the International City/County Management Association (ICMA), this study conducted a national survey of public libraries that explores the digital inclusion roles of public libraries in four key areas:

  • Public access technology infrastructure resources and capacity (e.g., public access workstations; broadband connectivity).
  • Digital content, services, and accessibility.
  • Digital literacy (including languages in which instruction is offered).
  • Domains-specific services and programs (civic engagement, education, health and wellness, and workforce/employment).

Based on a national survey conducted in Fall 2013, our analysis provides insights into how public libraries help build digitally inclusive communities. In particular, we offer multiple products, including:

  • Interactive mapping tools that combine digital inclusion survey and community-level data. The map enables libraries to better understand their community demographics, education and learning, economic/workforce, and health contexts along with the digital inclusion services that they provide. We have also developed a state view of the interactive mapping tool found on the individual state pages.
  • State pages that provide an interactive state-level mapping tool and selected summary data that compares states to national data.
  • Issue briefs on key topics such as broadband, employment, e-government, community access, digital literacy, and digital inclusion.
  • National report that analyzes data from the survey.
  • Executive summary that provides an overview of survey findings.

These reports and other survey-based products are based on data collected from public libraries between September and November 2013. It may well be the case that libraries have added capacity (e.g., public access computers, more broadband, space) and services/programs (e.g., health information, engagement, training classes) since then.

Nearly 100 percent of libraries offer tech training and STEM programs, study finds

July 28, 2014 Comments off

Nearly 100 percent of libraries offer tech training and STEM programs, study finds
Source: American Library Association

According to a new study from the American Library Association (ALA), nearly 100 percent of America’s public libraries offer workforce development training programs, online job resources, and technology skills training. Combined with maker spaces, coding classes, and programs dedicated to entrepreneurship and small business development, libraries are equipping U.S. communities with the resources and skills needed to succeed in today’s – and tomorrow’s – global marketplace.

NAR Identifies Best Purchase Markets for Aspiring Millennial Homebuyers

July 25, 2014 Comments off

NAR Identifies Best Purchase Markets for Aspiring Millennial Homebuyers
Source: National Association of REALTORS®

First-time homebuyers have been largely absent from the housing market in the current economic recovery, but some metropolitan areas – particularly in the Midwest and West – are well positioned to see increases in home-buying from the Millennial generation in upcoming years, according to new research by the National Association of Realtors®.

NAR analyzed current housing conditions, job creation and population trends in metropolitan statistical areas1 across the U.S. to determine the best markets for aspiring, leading edge Millennial2 homebuyers. Austin, Texas and Salt Lake City were identified as top standouts for Millennials for having a young adult population with solid job growth rates and still relatively affordable home prices. Seven of the 10 metro areas recognized are in the Midwest and West.

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