Fund – Kepplah Tue, 28 Sep 2021 18:54:21 +0000 en-US hourly 1 Fund – Kepplah 32 32 “We need help”: With the extension of the moratoriums on evictions, some owners are selling Thu, 08 Apr 2021 02:38:19 +0000

AUSTIN (KXAN) – Tuesday, Austin and Travis County the leaders said they would extend the moratoriums on evictions until May 1. It follows a federal decision to do so On Monday.

The rules protect tenants who can’t pay rent due to the pandemic, but the extensions also force many landlords to sell.

Kathy Smart, for example, rents her home in Travis County, but her tenant owes her nearly $ 6,000.

“Not having the income and trying to keep it up – I’m late on my car, behind on a lot of my other bills. I had to get loans, ”she said.

With the moratoriums on evictions now extended until May and June, Smart plans to sell his car to make ends meet.

“I have to think of other things that I can sell, but I don’t have a lot,” she cried.

The National Rental Home Council says Smart is not alone.

Their poll, published last week, found that one in five rental homeowners had to take out loans to cover rent deficits.

Almost a quarter say they even had to sell at least one or all of their properties.

“What about the people who have worked their entire lives to secure their property, earn investment income, take care of their families – and then we’re supposed to lose everything we’ve got? “

Kathy smart, Travis County landlord / landlord

“We’ve heard about this anecdotally, and I’m sure it’s going to continue to increase,” said Emily Blair, executive vice president of the Austin Apartment Association.

The association represents approximately 1,800 providers of rental housing of various sizes.

Blair says rentals are important to stay in an increasingly competitive buying market.

“It provides flexibility and maybe an affordability opportunity for people… we want to make sure that we meet this demand in the long term,” she said.

Austin rolled out its latest version of rental aid earlier this month, RENT 3.0.

Blair says 5,000 requests have already been received and for the first time homeowners have been allowed to initiate requests on behalf of their residents – 1,000 of them have already done so.

But homeowners can’t do it alone. Both parties have to complete paperwork as part of the process.

“Landlords can only receive rent payments once their tenant has completed the application process, has been selected through random selection and eligibility is verified,” said Julia Campbell of the department. Austin Housing and Planning.

Blair says that while Austin’s RENT 3.0 program has helped, it’s not enough.

“There are those situations where there isn’t the ability or the desire, perhaps, to pursue rental assistance and so it kind of creates a growing problem that really has an operational impact on the property. “she said.

A situation that Smart says she is currently facing.

“My hands are tied. I literally can’t do anything. But I’m literally not getting any help,” Smart said.

Blair says the group is working with city and county leaders to include exclusions, so a landlord can evict when he runs out of options.

“I cannot sell my house. This is my retirement. I can not. It is all I have. And I’m just trying to keep it together, ”she said.

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Student loans are on hold in the coronavirus stimulus bill. Here is what you need to know. Thu, 08 Apr 2021 02:38:10 +0000 With the coronavirus pandemic spreading across the United States and crippling the economy, Congress acted quickly to approve a $ 2 trillion relief bill, what president Donald trump signed soon.

The bill provides relief for borrowers on certain types of student loans – they will have their interest frozen and their payments suspended until at least September 30.

“GMA” spoke with Ashley Harrington, Director of Federal Advocacy and Senior Counsel at the Center for Responsible Lending, to better understand what this means for those who wear certain student debt and what they will want to consider during this adjournment period.

1. Know which loans are eligible for suspension

Harrington said that only loans held by the US Department of Education are eligible for proposed suspension.

She recommended checking with your service agent on to find out if your to lend is owned by the Ministry of Education or other entity.

But if you have loans managed by a private provider, you may still have options.

“Get in touch with your private student loan manager – your student loan incumbent – if you’re having trouble, and see if there’s anything you can do about it, ”Harrington told“ GMA ”. covered by this bill.

2. Know how your loan and balance will be affected

If your loans qualify for a break, keep in mind that your balance is not going anywhere, and while your interest won’t go up, you could pay for a longer period.

Plus, if your loans are past due because of something like a payday garnishment, you will get relief.

“If you are in default before the suspension, after the suspension is over you will remain in default – unless you have already followed a rehabilitation plan,” said Harrington. This period could allow you to catch up on payments and possibly get out of default, if you are still working or are able to continue paying.

Regarding interest, since the loans in question will not accumulate during the suspension, it might not be wise to take steps to change your interest rate, for example by loan consolidation.

“When you consolidate loans, you basically get a new loan,” Harrington said. “Any credit you had for civil service cancellation or income-based repayment you don’t have because it’s now, technically, a new loan.”

Harrington also warned that while it may be tempting to pursue a private lender’s offer to consolidate if it offers advantages such as lower rates, private student loans are “often less favorable to borrowers than the federal student loan program “.

3. Know your limits and how you can move forward

If you have the option to continue pay your federal loans, should you?

Harrington said some might consider redirecting their money to savings, credit card debt or even medical debt, of which the latter is sure to increase by hundreds of thousands.

Harrington advised to look at your situation and make sure that after that six month period has passed you will be “in a place where you hopefully can start paying off.”

But, she warns, that might not be a given.

“We don’t know how long this crisis will last, and we don’t know the effects and how long they will last,” she said. “When payments restart, people will still struggle, our economy will always recover, so we have to be very careful.”

“It’s complicated, depending on where you are in your payment cycle and where you are in your life, “she added.

4. Be your own advocate

Harrington recommended approaching the calls with your student loan provider with as much information as you can arm yourself with, noting that the speed of the congressional bill does not guarantee that financiers will be caught up by all of the new rules.

“It’s a complex bureaucratic system,” she said. “We are awaiting the directives to move from Congress to the Department [of Education] to give that advice, to pass it on to all of their technicians, then implement it, then pass it all on to the call center employees that you’ll talk to when you call. “

She also recommends clarification with suppliers that you will receive credit if you are on a public service loan forgiveness program or income-based repayment plan. If you continue to make payments, she suggests that you discuss where this money is going, for example directly to your principal rather than to interest, which would reduce future accumulation of interest.

Yes Payments are automatically removed from your accounts, be sure to tell your provider to freeze this service during this grace period.

“If something is wrong and you are billed for a payment that you weren’t planning on paying,” she said, “make sure you follow up and get reimbursed from that money. That should be an option for you and you might have to be your own lawyer. ”

Copyright © 2021 ABC News Internet Ventures.

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European online loan market Mintos publishes updated risk scores for loans Thu, 08 Apr 2021 02:37:54 +0000

Peer-to-peer lending market Mintos shared his platform Updating the risk score – which is based on the monitoring and evaluation of data for the last quarter of 2020. On the Mintos Risk Score updates, you’ll find key information regarding any changes to Mintos risk scores and sub-scores for different loans, and you can get a spreadsheet that keeps track of all quarterly changes.

While sharing the overview of changes in Mintos risk scores and sub-scores (based on Q4 2020), the company noted:

“The assessment of data based on the fourth quarter of 2020 has given us a clear perspective on how companies have managed their portfolios, volumes and debt collection, and how they have managed their lending activities in general over the course of of the year of the pandemic. We found that most of the companies that managed to stabilize their operations by the third quarter of 2020 did not see any significant changes in the last quarter of the year.

The Mintos the team added that “due to [their] Assessment, the Mintos risk score is improved for loans issued by 5 of the 90 entities included in this update. Mintos further noted that the score is “downgraded for loans issued by 1 loan company”. The score is “withdrawn (SW) for loans in three cases: in 2 cases the companies left Mintos due to a new source of funding (Capitalia and Mogo Kazakhstan), and in 1 case there is no no ongoing investment in loans from a loan company (Stik Kredit, Bulgaria).

The Mintos team also mentioned in their update that DanaRupiah, the Indonesian credit firm that joined Mintos just before the start of the COVID epidemic, is now “active in the market with a new Mintos risk score. “.

Mintos added that the loan portfolio performance sub-score is “uplifted for loans issued by 7 loan companies, and no downgrade is being made.” The company also noted that stabilizing issue volume volatility is “one of the main reasons for upgrades to this sub-score, in addition to showing stable non-performing loan rates over the two. last quarters “.

Mintos’ report continued:

“The Loan Servicer Efficiency sub-score is improved for loans issued by 2 credit companies and downgraded in 1 case. The upgrades are the result of continuous improvements in risk controls and internal processes, such as stricter rating rules in response to market dynamics in 2020. ”

The report further notes that the Redemption force the sub-score is “raised for loans offered by 2 loan companies, while for loans from 4 companies, the sub-score is lowered”. The end of the year “gave a better idea of ​​the overall financial stability that companies managed to maintain during the year, but also of the level of their equity and their overall profitability”, added the Mintos team.

The Cooperation structure The sub-score “remained unchanged for all loans assessed,” Mintos confirmed.

While commenting on the schedule for Mintos risk score updates, the company noted that the regular schedule for Mintos risk score updates is “quarterly”. However, exceptions can be made in certain cases when there is a “material improvement or deterioration for specific loans in the market, in which case modifications are introduced as necessary”.

Mintos also mentioned that if you “want to adjust your investment preferences based on the latest Mintos Risk Score updates, please do so as soon as possible.”

The Mintos risk score is an aggregate or a combination of 4 different sub-scores that are “assigned to four different aspects of particular loans as investment opportunities,” the company explained. He also noted that these sub-scores assess the following:

  • Loan portfolio performance (the health of the portfolio and the historical performance of the loan portfolio), the efficiency of the loan manager (the capacities of the loan manager “in relation to the collection of payments from borrowers”),
  • Redemption force (the “ability of the repurchase debtor to meet its contractual obligations, meet liquidity needs and capital adequacy”), and
  • Cooperation structure (the legal arrangement “between the credit issuing company and Mintos”).

According to “the importance that we see in each sub-score, the weights of the sub-scores are the performance of the loan portfolio 40%, the efficiency of the loan service 25%, the repurchase force 25% and the legal structure 10%, “Mintos added.

The company further noted:

“The Mintos risk score and sub-scores are expressed on a numerical scale of 10 to 1, where 10 is low risk and 1 is high risk. The score can also be displayed as “Score withdrawn”, with a value of 0, when one or more sub-scores are not available, or simply when there are no loans available for investment by a company. specific loan issuing company. “

(Note: For more details on these updates, see here.)

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Consumer Financial Protection Bureau plans to suspend foreclosures until 2021 Thu, 08 Apr 2021 02:37:35 +0000

The Consumer Financial Protection Bureau said on Monday it was considering new rules to avoid a wave of foreclosures later this year as millions of homeowners are no longer allowed to defer mortgage payments.

Last year, the federal government suspended foreclosures and evictions for Federal Housing Administration insured mortgages as the coronavirus pandemic left millions unemployed. Fannie Mae and Freddie Mac have done the same for single-family home borrowers with loans secured by the two mortgage buyers. The initiatives provided borrowers with relief of up to one year and suspended late fees and penalties.

In February, nearly 3 million U.S. homeowners were behind on their home loans, with about 2.1 million outstanding mortgages and at least 90 days overdue, according to the CFPB. If current trends continue, there could still be 1.7 million of these loans by September, the CFPB said.

A rule proposed by the agency would prohibit mortgage agents from initiating the foreclosure process before December 31. The CFPB is also considering allowing agents to make foreclosures before the end of this year, in some cases as if they are trying to contact an unresponsive borrower.

The CFPB is also evaluating a rule that would allow service providers to offer “certain simplified loan modification options” to borrowers facing difficulties caused by the pandemic, and changes to ensure that service providers notify borrowers of their changes. timely options. The agency is seeking public input on proposed rule changes until May 11.

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Capitol Laptop Theft Suspect Asks For Protection From Man Who Called FBI About Him Thu, 08 Apr 2021 02:37:12 +0000

Central Pennsylvania woman at the center of an investigation into Nancy Pelosi’s stolen laptop computer in the U.S. Capitol Riot filed for abuse protection against the ex-boyfriend who had it reported to the FBI.

Riley June Williams, 22, filed a lawsuit against her ex-boyfriend in Dauphin County Court on January 13, the same week federal investigators said the man called them multiple times after recognizing her in footage shot during the siege of the Capitol by UK network ITV. .

She mentioned in her request that he called the FBI on her.

In an affidavit filed against Williams late Sunday night, the man claimed to have seen video of Williams lifting the laptop from Pelosi’s desk and claimed that she was bragging about intending to send it to a friend in Russia who would organize his transfer to the Russian equivalent. of the CIA.

The ex-boyfriend told authorities that “Williams still has the computer device or destroyed it,” a special agent wrote in the affidavit. “This matter remains under investigation.”

Federal prosecutors charged Williams with allegedly participating in the riot inside the Capitol, but did not charge her in connection with the missing laptop. Prosecutors, however, said on Tuesday evening they ask for approval to accuse him of theft and aiding and abetting this offense.

In Williams’ application for protection filed Jan. 13, she said her ex-boyfriend visited her and her mother’s home on Jan. 11 “without invitation” and “without permission” to search for her.

“The police told him not to come to my house and he always does,” she said, saying he “harassed and threatened her”.

Williams’ mother called local police on Jan.11 at her home to report a suspicious person, believed to be the ex-boyfriend, according to the federal affidavit filed against Williams.

Williams alleged her ex repeatedly called her at work, tried to get her fired, harassed her by her friends, shared nude photos of her with relatives and acted violently towards her. No timeline has been provided for these alleged incidents.

She also said: “He contacted the FBI and told them that I had access to Nancy Pelosi’s laptop and sold it to the Russians.”

The laptop’s reference was included in its summary of the “facts of the most recent incident of violence” on the violence protection form. She said she “was only dating this person for about three months.”

PennLive does not name the tipster, who lives in New Jersey, because he was not named by federal authorities in court documents. PennLive contacted him Tuesday night by phone and he denied Williams’ abuse allegations.

“This is all a lie,” he said. “I have evidence and I plan to go to court.” He declined to comment further because he said he plans to make his case in court, not in the media.

A judge granted Williams a request for temporary protection on January 14, ordering the ex-boyfriend to stay away from her, her home, her workplace and her mother’s home in Lower Paxton and the ‘also preventing the posting of remarks or images concerning Williams on any social network. This order remains in effect until it is changed or set aside by the court.

A hearing is scheduled for January 27 for a full protection order.

Williams graduated from Mechanicsburg Area Senior High in 2017, according to published graduate lists and yearbooks. According to court records online, she has no criminal record in Pennsylvania, just six traffic violations from 2017 to 2019 in Cumberland and Dauphin counties.

The federal affidavit states that Williams visited the Capitol in Washington DC with her father, who lives in Camp Hill. They broke up during the protest but returned together later, according to the affidavit.

READ: Mid-Pennsylvania woman at center of investigation into Pelosi’s stolen laptop: who she is, where she came from

READ: Central Pennsylvania man “laid hands” on police in riot at Capitol Hill: District Attorney

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InfraRisk and Banjo Loans Launch New Short-Term Unsecured Small Business Loans in Australia, Business News Thu, 08 Apr 2021 02:36:42 +0000

Melbourne, Australia, March 31, 2021 / PRNewswire / – Micro and Small Businesses on Track to Recover from COVID-19 May Find Fast Financing, Similar to Buy-It-Now, Pay-On-Pay Solution, Thanks to Banjo Supply, a New Digital Lending Platform Launched today by InfraRisk Pty Ltd (InfraRisk), a leading provider of digital lending solutions and Banjo Loans Pty Ltd (Banjo), a leading fintech lender to SMEs.

Banjo Supply, which can be funded in minutes and starts at AU $ 5,000, is a loan product designed for businesses that need short-term capital to pay suppliers now, consolidate payments to multiple creditors, or potentially negotiate discounts to suppliers.

Using Infrarisk’s modular SME digital lending platform, powered by big data analytics and AI technologies, Banjo can streamline and automate the end-to-end small business lending process, previously complex. The loan product leverages alternative data sources for decision making.

Nicolas davies, CEO of InfraRisk, said: “Our approach to bringing this industry to market is to target a selection of proven, data-rich, alternative verticals. It will initially focus on the hospitality and retail sector, which has also been hit hard by the COVID-19 outbreak and in desperate need of working capital. We want to deliver a bespoke loan product directly into their daily workflow and financial ecosystem. “

The platform is already integrated with a number of data partners, including ZiiCloud, a point-of-sale specialist for hospitality and retail, which leverages point-of-sale data, transaction data and data. regulatory reporting data, with customer consent. InfraRisk and Banjo plan to significantly expand data coverage in the coming months.

The loan product applies global best practices in automation, alternative data use and AI-powered risk models to meet the immediate needs of borrowers. It uses daily financial data and then analyzes the information with algorithms. Its structure allows for permanent innovation and an ever-improving customer experience.

Demonstrating its speed and simplicity for the borrower, the new digital application form fits on one page, takes less than 5 minutes to complete, and achieves near real-time financing through the fast payment network.

Guy Callaghan, CEO of Banjo, said: “Having worked closely with large Australian SMEs for the past 6 years, we are delighted to enter the micro and small business sector. Banjo Supply is uniquely designed to play a role in helping micro and small businesses get back on their feet and strengthen the recovery of the Australian economy. “

So far, Banjo has focused on companies with revenues between A $ 500,000 and 50 million. By combining previously inaccessible data with big data analytics and automation, Banjo will now extend quick unsecured loan amounts to small businesses in need of working capital, from UA$ 5,000. Banjo combines cutting-edge technology, data and fundamental credit analysis to deliver responsible risk-based results that meet strict regulatory guidelines, and uses dynamic risk tools to enable competitive pricing.

Small businesses have been one of the main engines of Australian economic development. Official data released by the Australian government shows that the country’s SMEs create 44% of jobs and contribute 35% of its national GDP. A study by East & Partners found that the unmet demand for credit from Australian SMEs had reached UA$ 118.4 billion (we$ 91.5 billion) by the end of 2019.

About InfraRisk

Incorporated in November 2008 and headquartered at Melbourne, InfraRisk has over 10 years of experience in providing end-to-end FinTech and fintech solutions to banks and financial institutions in Australia, Europe, China and through the Asia Pacific.

About Banjo

Banjo Loans has been helping propel small businesses across the country since 2015. Now one of the leading alternative lenders for fintech SMEs in Australia, Banjo’s portfolio encompasses a wide range of businesses and industries. Banjo’s rapid data analysis technology data and fundamental credit analysis deliver responsible, risk-based results. This, coupled with a personalized relationship approach, rare in a fintech, gives Banjo customers the best of both worlds.

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Stop gifts, create infrastructures: HC Wed, 07 Apr 2021 23:17:43 +0000 Deploring the culture of giveaways in Tamil Nadu to entice voters, the Madras High Court on Wednesday advised political party leaders to stop this and engage in infrastructure promotion.

The court’s observations came during the admission of a brief motion from Mr. Chandramohan of Tirunelveli district asking the authorities concerned to convert the reserved constituency of the Vasudevanallur Assembly into a general constituency.

The petitioner wanted to allow all communities to stand as candidates in the next elections and to respect the spirit of the Indian Constitution.

“Each party tries to outdo itself in terms of populist promises. If a party promises monthly aid of Rs 1,000 to female heads of household, there is a counter-offer of Rs 1,500. This continues. The result is that people started to think that they could make a living from gifts, ”said a division judge of Judges N Kirubakaran and B Pugalendhi.

A trend has developed that anyone who takes a loan from banks will not pay it back, expecting loan forgiveness during elections. In this way, the people themselves are corrupted by the political parties. The way the parties launch their promises, which are unreasonable and unworkable, is truly undesirable.

“Unfortunately, the giveaways are not linked to job creation, development or agriculture. Voters are drawn to vote for them by these magical promises. Once every 5 years, this tamasha continues for decades together. The promises have always stayed like promises. Most of them, with the exception of freebies, are not implemented, ”he said.

The bench noted that each candidate has to shell out around 20 crore rupees in the elections, as many people have become corrupt by selling their votes for one or a few thousand, biriyani and booze.

“It’s a harsh reality. If so, how can the people expect good leaders. Do people who sell their votes have the moral right to question their leaders, ”asked the judiciary.

The judges ruled that if the money spent on gifts is used constructively in creating employment opportunities, building infrastructure like dams and lakes and better facilities and incentives for agriculture, which has become an “orphan” in the country because most of the people left him as he does not provide a secure income, there will certainly be social uplift and progress of the state.

Political parties should be banned or prevented from making election promises, which are likely to strain public finances, especially the state facing a financial crisis, he said.

Otherwise, for financial reasons, the state must increase the number of liquor stores.

Each political party is required to make promises to voters by giving their social policies and plans to improve the standard of living of the population by providing clean governance, infrastructure, in particular, basic amenities such as water, transport and health.

But, promises made by political parties are aimed at gaining power, he said.

In addition to color televisions, laptops, blenders, fans and mills, among others, every family cardholder in the state receives 20 kg of rice for free each month.

That aside, during festival seasons like Pongal and Diwali, public money is drained. In fact, the celebrations are taken care of by the government by providing free dhoties, saris and items needed for cooking and making pongal and the expenses for the celebrations.

“These types of gifts and money given during festivals, while it is justified for the government to take care of people’s needs, in fact make people lazy and weaken their work culture,” he said. .

“In the process, the honest taxpayer becomes a silent spectator of this spending by the government,” he said.

Therefore, even for any normal work, no force is available in Tamil Nadu and it has to depend on migrant workers from northeastern and northern states like Manipur, Meghalaya, Assam, Bihar, Uttar Pradesh, West Bengal and Odisha, said the Banc.

Most of the workers in northern India are employed in agricultural work, hotels, industries, shops and saloons in Tamil Nadu.

“It’s not like everyone in Tamil Nadu has become an entrepreneur or people with resources and if we go into detail, most people, including the rich, expect freebies,” the court said.

The way things are today, one would not be surprised to see that migrant workers would own the properties in due course and the sons of the land would become laborers working under them.

This is perhaps the only achievement, probably, that political parties have achieved through election promises by giving giveaways over the past 20 years, the judges said.

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Prisoner who claims to have accidentally drunk human blood has Pennsylvania court revived lawsuit Wed, 07 Apr 2021 23:17:41 +0000

A state prison inmate who claims to have accidentally drunk human blood in the prison cafeteria has had his trial for the incident at least temporarily re-launched by a state appeals court.

The problem, Judge Mary P. Murray wrote in the Superior Court Opinion, is that it’s hard to say why Sean Burke’s lawsuit was dismissed in the first place.

Burke, who is serving a sentence for a 1990 murder in Philadelphia, claims he was exposed to blood after another prisoner who worked in the kitchen at Rockview State Prison cut himself on a chipped mug .

The other inmate’s blood-contaminated cups and serving trays used by himself and other inmates, Burke argued in the lawsuit he filed in Center County Court. He filed this product liability claim against the manufacturer of the chipped cup.

Burke, 52, claims his unintentional exposure to the blood of the other prisoner caused him “psychological injury and emotional damage.” He appealed to Murray court after County Judge Jonathan D. Grine dismissed his complaint in a three-page order.

The reason for the dismissal is too vague to stand, Murray said. “At no point does (Grine) explain why (he) dismissed the complaint,” Murray wrote. “We stress that it is not for this tribunal to guess why the trial court granted preliminary objections.”

She therefore overturned the dismissal and referred the matter back to Grine for further clarification.

Murray, however, agreed with the county judge’s denial of Burke’s request for a review of the medical records of the prisoner who cut himself off. She concluded that such a test was not necessary since Burke tested negative for communicable diseases after the blood incident.

“The individual (who cut himself) has a strong right to privacy in his records, and (Grine) has not abused (his) discretion by refusing to violate that right,” Murray wrote.

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A professor from U. Miami uses its art to represent the pandemic Wed, 07 Apr 2021 23:17:40 +0000
A professor from U.  Miami uses its art to represent the pandemic
Xavier Cortada is committed to the art of performance.

As traditional holiday gatherings threaten the public health of our country, Xavier Cortada, professor of practice at the University of Miami, has launched a new virtual exhibit at the Wynwood Gallery to remind the community of the dangers of this pandemic.

Cortada explained that in the exhibit, “Pandemic | Miami Corona Project ”, he created a series of video performances to remind us that the virus is still here and that it is getting worse.

“I honored the dead by documenting their loss, and did so to warn us of the danger to come,” Cortada said. “During this Thanksgiving, we need to be thankful, but we also need to always be sure to follow all protocols, so the virus doesn’t spread to our dinner tables. “

In accordance with the reality of the time, the personal exhibition can only be experienced online.

“With great evils the great means. Maybe our in-person vacation meetings need to be postponed to another season,” he said.

In the exhibit there are a variety of videos honoring and thanking those who have passed away. Since the start of the pandemic, thousands of people have died alone and far from their families in Miami-Dade County.

In the video Saying Goodbye: An Offer of Gratitude, Cortada invites viewers to re-enact her ritual performance and bring an end to the deaths of loved ones who have died in isolation.

“As an artist, it’s my job to tell the truth and unveil the reality of the pandemic,” he said.

“In the videos, I try to humanize the dead as a way to reflect on those who have been lost.”

Cortada hopes people learn and are inspired to adopt safer health behaviors after experiencing her exposure.

“You cannot ignore or soften the situation,” he said. “My hope is that someone who has stopped worrying about the pandemic stumbles upon this job and realizes that their urge to stop being vigilant can do the most harm to loved ones while on vacation. “

Cortada said the purpose of starting this project was born out of his social practice. He explained that his work is meant to generate awareness and action by using the elasticity of art to engage others.

“I am an artist who uses art to engage the community in an interdisciplinary way to solve problems. In this project, the interdisciplinary approach involved politicians, UM scientists, students and community members sharing their views on the impact of the pandemic on us, ”Cortada said.

The virtual exhibit is part of the University of Miami’s COVID-19 rapid response effort, where Cortada provided coronavirus updates to the community through videos and conversations, documenting and honoring the lives of Miami-Dade residents who succumbed to the virus.

The Miami Corona Project was based on a cohesive online presence that engaged individuals through a variety of platforms. In an age when social distancing is the norm, this web-based project gives voice to individuals who feel disconnected from society. The project serves as a real-time record of the impact of the coronavirus pandemic on Miami-Dade County, while also providing an outlet for cross-community engagement between individuals.

To view the digital exhibition, visit

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New map shows where lead water pipes remain in Flint Wed, 07 Apr 2021 23:17:38 +0000

FLINT, MI — Residents of Flint can now see if their home has been checked for lead pipes or the likelihood their home has one.

New map shows which Flint houses have copper pipes, known to be lead, have a high probability of having lead, medium probability of having lead, low probability of having lead, or unable to verify a water account. It was created by the Flint team at the Natural Resource Defense Council and independent data scientists Jared Webb, Eric Schwartz, and Jake Abernethy. Map can be found here.

As of March 20, the city had checked 25,409 homes for lead or galvanized pipes. Of these houses, 9,554 pipes were replaced. The city estimates that the project is 90% complete with 3,000 additional homes to verify. Flint’s communications director, Marjory Raymer, said officials were aware of the map but the city had not verified it.

The replacement of the water pipes is mainly financed by a settlement of $ 97 million from affected pastors where NRDC lawyers represented residents of Flint.

Stacy Woods, a data scientist for the NRDC, said the map was created because residents have a right to know the materials of the pipes that bring water into their homes.

“We believe the Flint pipe data belongs to the people,” Woods said.

The map shows the current condition of the water lines in every house in Flint, according to Webb.

“Verified materials refer to service lines that have been excavated and visually inspected. When these are not available, we assign a risk category from our mathematical models, ”said Webb.

The map was made using information gathered by the city when inspecting residents’ homes for lead or galvanized steel pipes.

“This map shows the tremendous progress the city has made in replacing major service lines, and we look forward to working with the city as it continues its work,” said Schwartz.

Data scientists began working with the Town of Flint on the Pipe Replacement Project in 2016. Part of that work included creating internal maps that guide contractors to homes most at risk of having pipes. lead or galvanized steel.

“However, it wasn’t until (2019) when we decided to make the information publicly available that we realized how inadequate our internal maps were for a general audience,” Webb said.

Along with the NRDC, the data scientists created a map to visually communicate the progress of the project and where the risk remains.

The map is updated as the city passes on the information it uncovers over the course of the project, according to Webb. Residents are encouraged to submit corrections which will be incorporated into the map. Flint is expected to complete its pipe replacement program this year.

“Which means time is running out for the residents of Flint to grant the town permission to inspect their water pipes,” Woods said.

Residents are entitled to a free pipe replacement if their pipes are lead or galvanized steel. Homeowners should give work crews permission to do the work and be home when the service lines are excavated and replaced, if necessary.

Mayor Sheldon Neeley encourages all residents to participate in the service line replacement project.

“We need the help and cooperation of the residents. I urge all households to participate in the service line replacement project. It is for your well-being, that of your family and that of our entire community for generations to come. “

In addition to seeing the pipe material in their homes, the map’s website links to the city’s inspection clearance form. They can also access resources on steps they can take to protect themselves and their families if their home has lead pipes.

The city is using a predictive model created by data scientists to guide the pipeline project.

“Our model uses historical service line information and publicly available information about each plot to make predictions,” said Webb.

Flint first used the model in 2016, but stopped referring to it to plan replacements in 2018 when AECOM, a Los Angeles-based engineering company took over FAST Start, the city’s pipeline replacement program. Of the 10,531 properties that were excavated in 2018, Flint found and replaced approximately 1,567 lead or galvanized accuracy rate of 15 percent.

By an amendment approved by the court, signed by US District Judge David Lawson on March 26, Flint should use the data-driven model to find the lead service lines.

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