Tag Archives: expire

Amritpal Singh’s British-origin wife neither ‘detained nor arrested’, has a visa for ‘limited period in India that is about to expire’ – The Tribune India

  1. Amritpal Singh’s British-origin wife neither ‘detained nor arrested’, has a visa for ‘limited period in India that is about to expire’ The Tribune India
  2. Amritpal Singh’s Wife Detained At Airport While Trying To Board A Flight To London India Today
  3. Stopping Amritpal Singh’s wife at airport was not right: Akal Takht Jathedar The Tribune India
  4. Amritsar: How officials stopped Amritpal Singh’s wife Kirandeep Kaur from leaving India Times of India
  5. Amritpal Singh’s Wife Stopped From Travelling To London, Being Questioned NDTV
  6. View Full Coverage on Google News

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NASA’s Artemis 1 moon rocket boosters could expire in December

As the launch date for NASA’s Artemis 1 moon mission continues to get pushed back due to glitches and storms, a deadline for its solid rocket boosters is quickly approaching.

The launch of Artemis 1 — which will use a Space Launch System (SLS) rocket, aided by two boosters, to send an uncrewed Orion capsule to the moon — was once again delayed, this time until no earlier than Wednesday (Nov. 16) due to the impending arrival of Tropical Storm Nicole on Florida’s Space Coast. Satellite images show Nicole currently looming in the Atlantic Ocean next to NASA’s Kennedy Space Center (KSC), generating wind speeds up to 70 mph (110 kph) as it closes in on the center’s Launch Pad 39B, where the Artemis 1 stack sits, ready to ride out the storm.

Now that the Artemis 1 moon mission has been delayed once again, there are concerns that some of its hardware may expire prior to launch. For example, several key deadlines concerning the mission’s two solid rocket boosters, built by Northrop Grumman, are approaching. If Artemis 1 has not launched by mid-December, NASA will have to analyze the boosters to see if they are still launch-worthy past their current expiration dates.

Related: NASA delays Artemis 1 moon launch to Nov. 16 due to Tropical Storm Nicole

During a media briefing on Nov. 3, NASA officials told reporters that several components of the SLS vehicle’s boosters are approaching their current expiration dates, based on the most recent analyses that team members have conducted. 

Cliff Lanham, senior vehicle operations manager of the Exploration Ground Systems Program at KSC, told reporters that a countdown begins as soon as a rocket is stacked. That countdown is currently ticking down for the Artemis 1 vehicle. 

“When you stack your first segment on the aft segment, you start a clock that was originally 12 months,” Lanhan said. “It’s currently been analyzed up to 23 months, and that expires. One piece expires on the ninth of December of this year, and the other one is the 14th of December of this year.” 

Another environmental exposure rating expires on Dec. 15, he added.

If Artemis 1has not launched by those dates, the mission team would have to conduct further analyses to determine if the expiration dates on the rocket’s various components could be extended, said Jim Free, associate administrator of the Exploration Systems Development Mission Directorate at NASA headquarters in Washington, D.C.

“Each of them has a different revisit date — that’s my term — when we have to go back and redo the analysis and look at the assumptions in the analysis. And it’s really more a function of when do we feel like those assumptions are no longer good and the boosters fall into that category,” Free said during the Nov. 3 media briefing. “I think I would be doing our team and you a disservice by saying we can just go forever, because I don’t think that’s the case. I think we look at the analysis every time with a different set of lenses thinking about what else could have changed.”

NASA is currently eyeing a two-hour window for the launch of Artemis 1 opening at 1:04 a.m. EST (0604 GMT) on Wednesday (Nov. 16). If successful, the launch will send an uncrewed Orion capsule into lunar orbit and back. The launch will be the first mission of the Artemis program which will eventually see humans return to the moon near the lunar south pole in 2025 or 2026, with the ultimate goal of establishing a permanent base on the moon.

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Rocket Report: SLS boosters may expire in December; Blue Origin delivers the BE-4s

Enlarge / This photo shows the two side-mounted boosters of this week’s Falcon Heavy launch landing in Florida.

Trevor Mahlmann

Welcome to Edition 5.16 of the Rocket Report! If you’re counting, there are now fewer than 60 days until the end of 2022. How many more US rockets will make their debut before the end of the year? SLS? Terran 1? Super Heavy? RS1? None of the above? You didn’t ask, but my over/under would be 1.5 of the above, and that may be a tad optimistic.

As always, we welcome reader submissions, and if you don’t want to miss an issue, please subscribe using the box below (the form will not appear on AMP-enabled versions of the site). Each report will include information on small-, medium-, and heavy-lift rockets, as well as a quick look ahead at the next three launches on the calendar.

Rocket Lab to attempt booster recovery again. The US-based rocket company says it will make a second mid-air recovery attempt of an Electron booster during the Friday launch of a Swedish scientific satellite, Space News reports. This “Catch Me If You Can” mission is scheduled to launch November 4 at 1:15 pm ET (17:15 UTC) from the company’s Launch Complex 1 in New Zealand. The launch will be Rocket Lab’s second attempt to recover the Electron’s first stage, descending under a parachute, using a helicopter.

Happy hunting! … In the first attempt May 2, a hook hanging from the helicopter grabbed the parachute, but the pilot released it moments later after noticing what the company called “different load characteristics than what we’ve experienced in testing.” The stage instead splashed down and was recovered by a boat. “Our first helicopter catch only a few months ago proved we can do what we set out to do with Electron, and we’re eager to get the helicopter back out there and advance our rocket reusability even further by bringing back a dry stage for the first time,” Peter Beck, chief executive of Rocket Lab, said in a statement about the upcoming launch. (submitted by Ken the Bin and Tfargo04)

Firefly seeking additional capital. Fresh off of putting its first Alpha rocket into orbit, Firefly Aerospace is seeking to raise as much as $300 million in a private fundraising round, Reuters reports. The Texas-based company was valued at more than $1 billion when private equity firm AE Industrial Partners became its controlling shareholder in March, but it has not set a valuation for this round.

How much money is out there? … The new funding would be used to help complete construction of manufacturing facilities for Firefly’s Alpha rocket in Cape Canaveral, Florida, and accelerate development of a medium-lift rocket the company plans to build with Northrop Grumman. Given the challenges of raising new capital for space-based companies in the current environment, it will be interesting to see how much Firefly can tap into. (submitted by Ken the Bin)

The easiest way to keep up with Eric Berger’s space reporting is to sign up for his newsletter, we’ll collect his stories in your inbox.

Residents fight back against Canadian engine tests. Trent Hills, a municipality in Ontario about halfway between Toronto and Ottawa, has asked the Canadian launch company SpaceRyde to cease rocket engine testing. “Trent Hills has been in receipt of many inquiries, concerns and complaints pertaining to rocket engine testing taking place in the rural area at a site on County Road 29,” Trent Hills Now reported. On October 7, the local government asked SpaceRyde to voluntarily cease testing.

Maybe they can work it out? … The company has until later this month to respond. Some local residents want nothing to do with SpaceRyde, which is aiming to develop a rocket to be launched from a balloon. The municipality, however, said it would be willing to work with the rocket company: “If there remains a desire to continue the use, the Municipality has a range of options both to engage with the site owner and occupier and to address the public’s concerns.” (submitted by JC)

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How the U.S. Let 20 Million Monkeypox Vaccine Doses Expire

Less than a decade ago, the United States had some 20 million doses of a new smallpox vaccine — also effective against monkeypox — sitting in freezers in a national stockpile.

Such vast quantities of the vaccine, known today as Jynneos, could have slowed the spread of monkeypox after it first emerged in the United States in mid-May. Instead, the supply, known as the Strategic National Stockpile, had only some 2,400 usable doses left at that point, enough to fully vaccinate just 1,200 people.

The rest of the doses had expired.

Now, some 10 weeks into the outbreak, many people at high risk who want to get vaccinated have been unable to find a dose and may not be able to find one for months.

The chain of events that led the stockpile of a now-critical vaccine to dwindle to near nothing in the United States is only now emerging.

At several points federal officials chose not to quickly replenish doses as they expired, instead pouring money into developing a freeze-dried version of the vaccine that would have substantially increased its three-year shelf life.

As the wait for a freeze-dried vaccine to be approved by the Food and Drug Administration dragged on over the last decade, the United States purchased vast quantities of raw vaccine product, which has yet to be filled into vials.

The raw, unfinished vaccine remains stored in large plastic bags outside Copenhagen, at the headquarters of the small Danish biotech company Bavarian Nordic, which developed Jynneos and remains its sole producer.

For nearly 20 years, the United States government has helped fund the company’s development of the vaccine, clinical trials and manufacturing process, at a cost that passed the $1 billion mark by 2014 and is hurtling toward $2 billion. Despite this, the United States now finds itself unable to procure enough doses to quickly launch a widespread vaccination campaign for those at highest risk: men who have sex with men, and in particular, those who have multiple partners.

One reason for the reduction in the U.S. stockpile of Jynneos is that the federal officials overseeing it had not viewed monkeypox as much of a problem, or at least as their problem. They were focused on the most dangerous and deadly scenarios, such as a bioterror attack involving smallpox or anthrax.

“We have to prepare against multiple threats with a limited budget,” said Dr. Gary Disbrow, the director of Biomedical Advanced Research and Development Authority, or BARDA, the federal agency that supported the development of Jynneos and other drugs and vaccines to protect against pandemics, bioterrorism and other hazards. “Our planning was for smallpox.”

Now, monkeypox has emerged as a serious public health threat. As of the end of July, more than 5,000 cases were reported in the United States, and there were nearly 1,300 in New York City.

“We were required to have vaccines for smallpox, based on a material threat determination that simply didn’t exist for monkeypox, specifically,” said a Health and Human Services spokeswoman in a statement. “Today, now that we’re in response mode of facing a public health threat, we’re working swiftly around the clock to accelerate the number of doses available.”

The limited supply of Jynneos available shows that a new approach to preparing for biological threats and pandemics is needed, said a former federal official, Dr. Ali S. Khan, who until 2014 ran the Centers for Disease Control and Prevention office that managed the stockpile. “I want people to know how poorly this went given the amount of money and resources put into it,” he said.

Following the Sept. 11, 2001, terrorist attacks and the subsequent anthrax letter attacks, the United States government redoubled its efforts to prepare against future threats. One clear danger was smallpox, with a 30 percent fatality rate. Though the virus was declared eradicated in 1980, lab samples of it existed, and there had long been concern that a foreign country or terrorist group might weaponize it.

In the years since Sept. 11, the United States stockpiled well over 100 million doses of smallpox vaccines — versions of the vaccine that eradicated the virus. With names like Dryvax and ACAM2000, they use a live virus that replicates and can have dangerous side effects, including inflammation of the heart in about six recipients out of 1,000. One or two people of every million vaccinated are expected to die.

After 2001, the United States sought an effective smallpox vaccine with fewer side effects. In 2003 it began pumping millions of dollars into Bavarian Nordic, a small company with a promising new smallpox vaccine.

By 2013, Bavarian Nordic had delivered 20 million doses of its new smallpox vaccine to the Strategic National Stockpile, according to the company’s annual report as well as U.S. documents.

The vaccine came in vials in liquid-frozen form, with a three-year shelf life.

The new vaccine, which back then went by the name Imvamune, not Jynneos, was never intended to replace the far larger stockpile of older generations of smallpox vaccines, but to be offered to those at higher risk of complications from the older vaccines and their family members, according to a 2014 report by the U.S. Department of Health and Human Services. That included people with conditions ranging from eczema to H.I.V., and pregnant women and infants.

Some federal health officials were skeptical. Jynneos required two shots — not ideal in the event of a bioterror attack — rather than one.

But Bavarian Nordic executives told shareholders that the long-term U.S. plan was to stockpile enough of the Jynneos vaccine to vaccinate all 66 million eligible people in high-risk households.

In 2009, the company received a $95 million contract from the United States to begin developing a freeze-dried formulation with a shelf life of five to 10 years.

As the 20 million Jynneos doses began to expire, and with the free-dried version still in development, the United States ordered another eight million, which were shipped to the nation’s stockpile in 2015, according to Bavarian Nordic and the U.S. Health and Human Services.

Dr. Kahn, the former federal official, remembered “the frustration on why it was taking so long to get a freeze-dried preparation that could be held for longer.”

But the eight million doses were the last substantial shipment for years. From 2015, onward, the United States instead placed orders for hundreds of millions of dollars of bulk vaccine product — basically raw vaccine stored in large bags, which would be converted to freeze-dried doses once the company perfected the process and had the necessary F.D.A. approval.

By 2017, all 27,993,370 doses in the national Jynneos stockpile had expired, although the United States still had a huge stockpile of its other smallpox vaccines.

“In fairness, I’m not sure anybody in their right mind would have thought we needed more smallpox vaccine,” said Dr. Nicole Lurie, who oversaw the stockpile during her eight-year tenure as assistant secretary for preparedness and response within Health and Human Services under President Barack Obama.

Both Jynneos and the older stockpiled smallpox vaccines, such as ACAM2000, are good choices as a smallpox vaccine. Federal officials expect ACAM2000 to protect against monkeypox and have shipped doses to local health authorities for use, but its harsher side effects make many doctors uncomfortable with using it for a mass monkeypox vaccination campaign.

The goal of producing freeze-dried vaccine has taken longer than expected, partly because of a slow F.D.A. review process. In recent years Bavarian Nordic also undertook an expansion that would ultimately delay delivery of vaccine doses.

Bavarian Nordic had long relied on outside companies for the final stages of the production process, such as filling the actual vials.

By 2017, the company had plans for building its own “fill-finish” facility to make its vaccine production “more profitable than what we’ve seen in the past,” according to Bavarian Nordic’s chief executive, Paul Chaplin, with the U.S. government funding a portion of this expansion.

In early 2020, the United States placed an order for 1.4 million liquid-frozen doses from Bavarian Nordic, its first significant order for ready-to-use product in years. About 372,000 of those doses were filled by a contractor and shipped back to the United States in recent weeks. They have been the main source of doses for the country’s monkeypox vaccination program so far.

The rest were filled at Bavarian Nordic’s new fill-finish facility, which was up and running in 2021.

But the F.D.A. had not inspected the facility by the time the monkeypox outbreak began. As a result, the bulk of the 1.4 million-dose order sat in Denmark until last month, when F.D.A. inspectors arrived.

Now, the U.S. government has asked Bavarian Nordic to begin sending as many doses as quickly as possible, setting aside the goal of a freeze-dried formulation for the time being.

But it may be months before the company is able to deliver millions of more doses from the bulk vaccine supply that the United States has been paying Bavarian Nordic for years to store, U.S. officials say.

With far too little Jynneos on hand to contain the monkeypox outbreak, federal officials are taking a fresh look at the expired doses, which it still has on hand. Health and Human Services officials have sent samples back to Bavarian Nordic for testing.

It is “very unlikely” they are still viable, officials say. But if they are, the Administration for Strategic Response and Preparedness, a division within H.H.S., said it would make them “available for the response.”

Sheryl Gay Stolberg contributed reporting.

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Last Call Alert: These 28 Early Amazon Prime Day Deals Expire Tonight

This story is part of Amazon Prime Day, CNET’s guide for everything you need to know and how to find the best deals.

To save or not to save, that is the question. You can’t have Prime Day without steep discounts on Amazon devices and you don’t even need to wait until next week to start saving on them. Amazon has already kicked off a bunch of early Prime Day deals on its own-brand hardware, meaning we’re already seeing discounts on Echo smart speakers, Fire TV devices, Ring and Blink smart security systems and much more. With Prime Day just a few days away, it’s likely that the first wave of deals will be coming to an end as new ones get ready to kick off next week.

Early Prime Day deals that will be gone soon

Amazon

The third-gen Echo Dot has spent the better part of the last year selling for around $50 and more recently dropped down to closer to $30 on its own. Right now, you can bundle the smart speaker with a color smart bulb for just $20, which is the same price Amazon is offering just the Echo Dot for during Black Friday. These bundles tend to sell out fast, so be sure to grab one now.

Sarah Tew/CNET

Bring some smarts to your existing TV without buying an entirely new screen with Amazon’s Fire TV Stick. It’s a great option for those who are still rocking regular HD TVs, by giving you access to all the best streaming services, apps and voice controls that you can usually only get with a modern smart TV. And right now, Amazon is offering Prime members an exclusive $23 discount on the basic Fire TV Stick, dropping the price down to just $17.

Amazon

If you were hoping to snag a cheap tablet deal this month, you don’t have to wait until Prime Day to do so. Amazon has just launched a new sale on its affordable Fire 7 tablets, dropping prices to record lows with as much as 53% off. With the 7-inch tablet as low as $30 for Prime members, it’s an inexpensive pickup before Prime Day even starts. 

Amazon

Give the kid in your life the freedom to learn, imagine and grow with an e-reader designed especially for children. Kindle Kids devices are specifically for reading, so there are no distractions from apps, videos or games. As well as a 50% discount, your purchase includes a kid-friendly cover, a one-year subscription to Amazon Kids Plus and a two-year, worry-free guarantee. That means if they happen to break it, Amazon will replace it, no questions asked. 

Blink

Blink has been making security cameras for a few years now, but it was only this year that it got into the video doorbell game. If you don’t like the look of the Ring Video Doorbell, or want something a little cheaper, this option is a great one to consider. It can be wired in or used with the included battery, which makes installing it even easier. It comes in both black and white models.

Whether you’re just getting started with Alexa or you’re already all-in on the Amazon ecosystem, there’s something for you in this sale. To save you clicking through several Amazon pages to find the discounts you’re looking for, we’ve rounded up the best Amazon device deals above. We expect Amazon will keep ramping up the discounts on its in-house devices as we inch ever closer to the main Prime Day dates so we’ll be sure to keep the below list up to date. 

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Last Call Alert: These 28 Early Amazon Prime Day Deals Expire Tonight

This story is part of Amazon Prime Day, CNET’s guide for everything you need to know and how to find the best deals.

To save or not to save, that is the question. You can’t have Prime Day without steep discounts on Amazon devices and you don’t even need to wait until next week to start saving on them. Amazon has already kicked off a bunch of early Prime Day deals on its own-brand hardware, meaning we’re already seeing discounts on Echo smart speakers, Fire TV devices, Ring and Blink smart security systems and much more. With Prime Day just a few days away, it’s likely that the first wave of deals will be coming to an end as new ones get ready to kick off next week.

Early Prime Day deals that will be gone soon

Amazon

The third-gen Echo Dot has spent the better part of the last year selling for around $50 and more recently dropped down to closer to $30 on its own. Right now, you can bundle the smart speaker with a color smart bulb for just $20, which is the same price Amazon is offering just the Echo Dot for during Black Friday. These bundles tend to sell out fast, so be sure to grab one now.

Sarah Tew/CNET

Bring some smarts to your existing TV without buying an entirely new screen with Amazon’s Fire TV Stick. It’s a great option for those who are still rocking regular HD TVs, by giving you access to all the best streaming services, apps and voice controls that you can usually only get with a modern smart TV. And right now, Amazon is offering Prime members an exclusive $23 discount on the basic Fire TV Stick, dropping the price down to just $17.

Amazon

If you were hoping to snag a cheap tablet deal this month, you don’t have to wait until Prime Day to do so. Amazon has just launched a new sale on its affordable Fire 7 tablets, dropping prices to record lows with as much as 53% off. With the 7-inch tablet as low as $30 for Prime members, it’s an inexpensive pickup before Prime Day even starts. 

Amazon

Give the kid in your life the freedom to learn, imagine and grow with an e-reader designed especially for children. Kindle Kids devices are specifically for reading, so there are no distractions from apps, videos or games. As well as a 50% discount, your purchase includes a kid-friendly cover, a one-year subscription to Amazon Kids Plus and a two-year, worry-free guarantee. That means if they happen to break it, Amazon will replace it, no questions asked. 

Blink

Blink has been making security cameras for a few years now, but it was only this year that it got into the video doorbell game. If you don’t like the look of the Ring Video Doorbell, or want something a little cheaper, this option is a great one to consider. It can be wired in or used with the included battery, which makes installing it even easier. It comes in both black and white models.

Whether you’re just getting started with Alexa or you’re already all-in on the Amazon ecosystem, there’s something for you in this sale. To save you clicking through several Amazon pages to find the discounts you’re looking for, we’ve rounded up the best Amazon device deals above. We expect Amazon will keep ramping up the discounts on its in-house devices as we inch ever closer to the main Prime Day dates so we’ll be sure to keep the below list up to date. 

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Severe storm threats expire for most of Miami Valley; Another round of storms possible overnight – WHIO TV 7 and WHIO Radio

QUICK-LOOK FORECAST:

  • Strong storms this afternoon/evening
  • Cooler, drying out on Sunday
  • Below average temps to begin next week

>>TRACK THE CONDITIONS: Live Doppler 7 Radar

DETAILED FORECAST:

TODAY: A quiet morning will give way to an active afternoon and evening across the Miami Valley. Expect partly cloudy skies with showers and thunderstorms developing this afternoon. Some of the thunderstorms could be strong to severe. The best opportunity for strong to severe storms comes between 2:00 p.m. and sunset tonight. Any storm that develops today has the potential to produce heavy downpours. Storms that do become strong to severe could produce damaging wind gusts and hail. There is also the chance for a brief tornado. Aside from the storm threat, it will be hot with highs in the middle 80s. Breezy with gusts 25-30MPH outside of thunderstorms.

MAIN THREATS: From 2:00 p.m. until sunset, we could see damaging winds, hail heavy rainfall, and an isolated tornado.

TONIGHT: Another round of showers and thunderstorms may move through overnight. For the most part, these should not be severe. However, heavy rainfall, lightning, and spotty strong wind gusts remain possible especially over the western part of the Miami Valley. Quieting during the early morning hours of Sunday. Otherwise, mostly cloudy with temperatures falling to the upper 50s by morning

SUNDAY: A few lingering showers possible Sunday morning then drying out Sunday afternoon and clearing. It will be a cooler day with temperatures below average in the lower 70s.

MONDAY: Mostly sunny and mild for Monday with highs in the upper 60s.

TUESDAY: Partly sunny and dry for the most part on Tuesday. A late-day shower is possible. Highs climb to the middle to upper 70s.

WEDNESDAY: Mostly cloudy skies with a few showers and storms around on Wednesday, especially late day. Highs will reach the middle 70s.

THURSDAY: A few more showers and storms are possible on Thursday otherwise mostly cloudy. Highs in the middle 70s.

FRIDAY: Partly cloudy with a chance of a few showers. Highs in the lower 70s.



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Dane County mask mandate extended until November 27, then will be allowed to expire

Image by jardin from Pixabay

MADISON, Wis. — Public health officials in Dane County are once again extending their face covering mandate as we approach the holiday season.

Public Health Madison & Dane County announced Monday that the order will now be extended until November 27th. The previous mandate was scheduled to expire later this week on November 5. Instead, the new order will take effect on that date.

However, PHMDC says the order will expire after 22 days, with no plans to institute another one at this time.

“This decision comes as a result of decreasing case rates, increasing vaccination rates and the expansion of eligibility for booster doses which will only help strengthen our collective immunity,” PHMDC director Janel Heinrich said in a release. “It is no coincidence that transmission is dropping; it reflects the result of intentional, effective public health interventions and another incredible effort by the people of Dane County.”

Officials say the expected approval for vaccines for kids between the ages of 5 and 11 also played a role in their decision to allow the order to expire later this month.

“Our main goal with masking guidelines continues to be protecting those most vulnerable to the virus, including unvaccinated children,” Dane County Executive Joe Parisi said. “We know wearing masks helps keep kids from getting sick in school settings and keeps kids in school. As soon as the Wisconsin Department of Health Services authorizes us to do so, we have the capacity to vaccinate many people quickly and are prepared to get our kids vaccinated as soon as possible.”

Dane County’s mask mandate remains the only county-wide indoor face covering mandate in the state.

The latest data from Public Health Madison & Dane County shows 74.6% of people in Dane County have received at least one dose of the COVID-19 vaccine.



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Foreclosures surge 67% as Covid mortgage bailouts expire

A foreclosure sign in front of a house in 2007.

Getty Images

Foreclosures are starting to surge as government and private sector programs designed to help homeowners deal with the economic fallout of the Covid-19 pandemic have begun to expire.

Mortgage lenders began the foreclosure process on 25,209 properties in the third quarter, a 32% increase from the second quarter. On a year-over-year basis, it’s a 67% increase from the third quarter of 2020, according to ATTOM, a mortgage data firm.

While the increases in foreclosures are dramatic, they are coming off extreme lows that were created by the forbearance programs. New foreclosures, also known as starts, usually number around 40,000 per month. They fell to as low as 3,000 to 4,000 in the first year of the pandemic, when forbearance programs were in full force.

Government and private-sector relief programs allowed borrowers with financial difficulties to delay their monthly payments for up to 18 months. The missed payments could then be tacked on to the end of the loan period or repaid when the home was sold or the mortgage refinanced.

States with the largest number of new foreclosures were:

  • California: 3,434
  • Texas: 2,827
  • Florida: 2,546
  • New York: 1,363
  • Illinois: 1,362

“Despite the increased level of foreclosure activity in September, we’re still far below historically normal numbers,” said Rick Sharga, executive vice president at RealtyTrac, an ATTOM company.

September foreclosure actions were almost 70% lower than they were pre-pandemic. Total foreclosure activity is also still 60% lower than it was a year ago.

“Whether the increase is a prelude to a more serious problem, or just a return to normal levels of foreclosure is one of the bigger debates going on inside the industry right now,” said Sharga.

Large numbers of borrowers are now exiting forbearance programs. The biggest weekly decline so far came last week. The number of borrowers in bailout programs dropped 11% week to week, according to Black Knight, a mortgage data and analytics firm.

The number of active forbearance plans fell by 177,000, led by an 84,000-plan drop among FHA/VA loans. As of Oct. 5, nearly 1.4 million borrowers remained in pandemic-related forbearance plans, representing 2.6% of all active mortgages.

The majority of those coming out of the plans are once again current on their payments. Some of those who aren’t current on their payments are working with lenders on loan modifications. Those who do not contact their lenders or who still cannot afford any payments are either selling their homes or going into foreclosure.

The foreclosure numbers should stay relatively low because of aggressive modifications by lenders and also because of high levels of home equity, due to the recent housing boom and consequently high home prices. Prices were up over 18% year over year in August, according to CoreLogic.

“I think the ‘forbearance cliff’ will be minimal,” said David Stevens, former CEO of the Mortgage Bankers Association and former FHA commissioner in the Obama administration.

“Unlike the Great Recession where home prices dropped approximately 20% from peak to trough, this recession saw home values rise by roughly the same amount. So while we should see some foreclosures, the likelihood is that there will be far fewer from a percentage basis due to the ability to sell a home versus default, or stay in the home due to far better workout options and higher re-employment.” 

Foreclosure numbers will likely continue to rise through the end of this year and return to normal levels by the middle of next year, according to Sharga.

“They may then tick up a little higher than usual but still plateau far below the kind of tsunami we saw during the Great Recession by the end of next year,” he added.

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Biden, Congress Allowing Federal Jobless Aid to Expire As Delta Surges

  • Federal unemployment-benefit programs expire in a week, and Congress isn’t renewing them.
  • Andrew Stettner, an unemployment expert, said it was “a 5-alarm fire.”
  • “Now we’re putting people in harm’s way,” he said. “A lot of people will be harmed by this.”

Pandemic-era federal unemployment benefits end in exactly a week. The Century Foundation has projected that 7.5 million Americans will lose benefits completely — an unprecedented fiscal cliff that is likely to drastically affect incomes, spending, and jobless workers’ lives.

Andrew Stettner, a senior fellow and jobless-policy expert at the left-leaning Century Foundation, tweeted on Thursday that it was “a 5-alarm fire.”

“Most people live paycheck to paycheck, and starting next week they’re not going to be able to count on a regular source of income,” Stettner told Insider. “They’re going to be put into harm’s way.”

Jobless workers have told Insider that the end of benefits is coming too soon as the Delta variant surges, jeopardizing plans to return to work and school in person. For some, a loss of income could also jeopardize their ability to stay in their home. Last week, the Supreme Court struck down a scaled-back eviction moratorium, paving the way for local courts to restart evictions that had been halted.

Now 7.4 million renters are at risk of eviction, according to the Census Bureau. The People’s Policy Project estimated that 20 million jobless Americans would see their incomes slashed as benefits wind down. In both cases, people may find themselves at the mercy of local action.

Washington isn’t pursuing an extension, but states could

In a letter from Treasury Secretary Janet Yellen and Labor Secretary Marty Walsh earlier this month, the Biden administration made it clear that the federal benefits would expire as scheduled in September. However, states can step in to provide benefits and even issue one-time or periodic relief payments for jobless workers getting cut off. So far, except for a round of stimulus checks in California earlier this year, no states have committed to providing additional benefits.

“To adequately address continued claim payments for those not traditionally eligible for unemployment assistance or those facing the completion of available claims weeks, we would need to see further congressional action,” a spokesperson for Washington state’s governor previously told Insider.

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But Congress isn’t pursuing a renewal of federal jobless aid. Democrats have largely excluded it from discussions as they draft a $3.5 trillion spending plan, and Republicans are staunchly opposed. Twenty-six mostly GOP-led states pulled the plug on some jobless-benefit programs months before their expiration.

Some key Democratic moderates like Sen. Joe Manchin of West Virginia came out against an extension, all but torpedoing it in a 50-50 Senate. Such a package would need the support of every Senate Democrat to clear the Senate under an arduous procedure called reconciliation.

House progressives like Rep. Alexandria Ocasio-Cortez have said they’re discussing whether to push for an extension. But it’d be a long-shot effort given the resistance from Democratic centrists and Speaker Nancy Pelosi’s focus on assembling a spending plan that can survive wafer-thin Democratic majorities in both chambers.

White House officials said on Monday that President Joe Biden had decided not to push Congress to renew benefits, given the rebounding economy. “I think he made a decision on where things stand in our economic recovery at this point in time,” Jen Psaki, the White House press secretary, said.

She said the administration’s focus was pivoting to ensuring that people can tap into state relief programs and the revamped child tax credit. The latter measure provides monthly cash payments of up to $300 per child depending on age.

‘A lot of people will be harmed by this’

The benefit cutoff will throw some workers into a precarious situation. Amanda Rinehart, a Pennsylvania mom receiving federal benefits, has a child at high risk for COVID-19. She’ll continue to stay at home with him as he starts another year of virtual schooling — which means she won’t be able to return to her beloved hospitality job.

“I’m honestly not sure what I’m going to be doing financially moving forward without these benefits from unemployment,” Rinehart previously told Insider.

Some experts have also said it’s too early to end unemployment, and research on states that opted out of federal benefits early showed a $2 billion drop in spending. That may become an $8 billion drop come September and October, researchers say.

“Losing a job is one of the most damaging things that can happen to your financial health and your personal health,” Stettner said. “We’ve avoided some of those damages for the last 18 months. But now we’re putting people in harm’s way. A lot of people will be harmed by this.”



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