07-24-2024  3:05 pm   •   PDX and SEA Weather

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NORTHWEST NEWS

Wildfires Threaten Communities in the West as Oregon Fire Closes Interstate, Creates Its Own Weather

Firefighters in the West are scrambling as wildfires threaten communities in Oregon, California and Washington. A stretch of Interstate 84 connecting Oregon and Idaho in the area of one of the fires was closed indefinitely Tuesday. New lightning-sparked wildfires in the Sierra near the California-Nevada border forced the evacuation of a recreation area, closed a state highway and were threatening structures Tuesday.

In Washington State, Inslee's Final Months Aimed at Staving off Repeal of Landmark Climate Law

Voters in Washington state will decide this fall whether to keep one of the country's more aggressive laws aimed at stemming carbon pollution. The repeal vote imperils the most significant climate policy passed during outgoing Gov. Jay Inslee's three terms, and Inslee — who made climate action a centerpiece of his short-lived presidential campaign in the 2020 cycle — is fighting hard against it. 

SneakerWeek 2024 Launches in Pioneer Courthouse Square July 26

The event brings together industry experts, BIPOC designers and sneaker enthusiasts.

Money From Washington's Landmark Climate Law Will Help Tribes Face Rising Seas, Climate Change

Tens of millions of dollars raised by a landmark climate law in Washington state will go to Native American tribes that are at risk from climate change and rising sea levels to help them move to higher ground, install solar panels, buy electric vehicles and restore wetlands. The Quinault Indian Tribe on the Olympic Peninsula is getting million to help relocate its two main villages to higher ground, away from the tsunami zone and persistent flooding.

NEWS BRIEFS

Dr. Vinson Eugene Allen and Dusk to Dawn Urgent Care Make a Historical Mark as the First African American Owned Chain of Urgent Care Facilities in the United States

Dusk to Dawn Urgent Care validated as the First African American Owned Urgent Care in the nation with chain locations ...

Washington State Black Legislators Endorse Kamala Harris for President

Members of the Washington State Legislative Black Caucus (LBC) are proud to announce their enthusiastic endorsement of Vice President...

Oregon Housing and Community Services Awarded More Than $11 Million to Increase Energy Efficiency in Affordable Housing

Part of a nearly 0 million Climate Pollution Reduction Grant awarded to Oregon ...

Merkley, Senators Urge VA to Expand Access to Medical Cannabis for America’s Veterans

Senators’ letter follows DEA’s recommended rescheduling of cannabis from earlier this year ...

Federal Appeals Court Declines to Restore Voting Rights in Mississippi

Thousands of Mississippians Face “Especially Cruel” Disenfranchisement Scheme ...

Oregon fire is the largest burning in the US. Officials warn an impending storm could exacerbate it

BOISE, Idaho (AP) — A wildfire burning in Oregon that's kicking smoke into neighboring states is now the largest active blaze in the U.S., authorities said, and fire crews are bracing for a storm late Wednesday that's expected to bring lightning, strong winds and the risk of flash floods. ...

Wildfires threaten communities in the West as Oregon fire closes interstate, creates its own weather

BELLINGHAM, Wash. (AP) — Firefighters in the West are scrambling as wildfires threaten communities in Oregon, California and Washington, with at least one Oregon fire so large that it is creating its own weather. Interstate 84 in eastern Oregon was closed in both directions Tuesday...

Chiefs set deadline of 6 months to decide whether to renovate Arrowhead or build new — and where

ST. JOSEPH, Mo. (AP) — The Chiefs have set a deadline of six months from now to decide on a plan for the future of Arrowhead Stadium, whether that means renovating their iconic home or building an entirely new stadium in Kansas or Missouri. After a joint ballot initiative with the...

Missouri governor says new public aid plan in the works for Chiefs, Royals stadiums

JEFFERSON CITY, Mo. (AP) — Missouri Gov. Mike Parson said Thursday that he expects the state to put together an aid plan by the end of the year to try to keep the Kansas City Chiefs and Royals from being lured across state lines to new stadiums in Kansas. Missouri's renewed efforts...

OPINION

The 900-Page Guide to Snuffing Out American Democracy

What if there was a blueprint for a future presidential administration to unilaterally lay waste to our constitutional order and turn America from a democracy into an autocracy in one fell swoop? That is what one far-right think tank and its contributors...

SCOTUS Decision Seizes Power to Decide Federal Regulations: Hard-Fought Consumer Victories Now at Risk

For Black and Latino Americans, this power-grab by the court throws into doubt and potentially weakens current agency rules that sought to bring us closer to the nation’s promises of freedom and justice for all. In two particular areas – fair housing and...

Minding the Debate: What’s Happening to Our Brains During Election Season

The June 27 presidential debate is the real start of the election season, when more Americans start to pay attention. It’s when partisan rhetoric runs hot and emotions run high. It’s also a chance for us, as members of a democratic republic. How? By...

State of the Nation’s Housing 2024: The Cost of the American Dream Jumped 47 Percent Since 2020

Only 1 in 7 renters can afford homeownership, homelessness at an all-time high ...

AFRICAN AMERICANS IN THE NEWS

Puerto Rico bans discrimination against those who wear Afros and other hairstyles on diverse island

SAN JUAN, Puerto Rico (AP) — Puerto Rico’s governor on Wednesday signed a law that prohibits discrimination against people wearing Afros, curls, locs, twists, braids and other hairstyles in the racially diverse U.S. territory. The move was celebrated by those who had long demanded...

Body camera video focused national attention on an Illinois deputy's fatal shooting of Sonya Massey

SPRINGFIELD, Ill. (AP) — A riveted nation watched video released this week of a sheriff's deputy fatally shooting Sonya Massey, a 36-year-old Black woman who called 911 for assistance, in her Illinois home. Sean Grayson, 14 months into his career as a deputy sheriff for Sangamon...

Harris asks for 2024 support from women of color during an address at a historically Black sorority

INDIANAPOLIS (AP) — Vice President Kamala Harris told members of the historically Black sorority Zeta Phi Beta on Wednesday that “we are not playing around” and asked for their help in electing her president in November. “In this moment, I believe we face a choice between two...

ENTERTAINMENT

Book Review: East Texas P.I. turns vigilante in funny and savage 'Sugar on the Bones'

Minnie Polson was in some sort of trouble, so a friend recommended the private eye firm of Hap Collins, his wife Brett, and their pal Leonard Pine. But when they meet, Minnie doesn’t like their attitude, and they don’t like hers. Hours after they agree to part company, Minnie’s...

Book Review: The Knights of Camelot search for a new king in Lev Grossman’s 'The Bright Sword'

A rudderless nation, lost in uncertainty, searches for its next commander in chief. There’s an uneasy sense that the country’s glory days have passed, and that a monumental turn in history is coming — for good or for ill. How do you find a leader to unite such a fractured, polarized land? ...

Music Review: Glass Animals weave heartstring-tugging vignettes on new album

Love songs have existed for millennia but leave it to Glass Animals to give them a refreshing spin, where love isn't always a honeymoon phase or heartbreak — it's much, much more. The British indie-pop band, known for hits like 2014's “Gooey” or 2020's viral “Heat Waves," has...

U.S. & WORLD NEWS

This is one of the oldest games in North America. You've likely never heard of it

CHOCTAW, Miss. (AP) — As the drummers walk onto the field, the players behind them smack their hickory sticks to...

Can you guess Olympians' warmup songs? World's top athletes share their favorite tunes

LOS ANGELES (AP) — Curious about which songs are fueling the Olympians competing in Paris starting this month?...

Republican leaders urge colleagues to steer clear of racist and sexist attacks on Harris

WASHINGTON (AP) — Republican leaders are warning party members against using overtly racist and sexist attacks...

Meta takes down thousands of Facebook, Instagram accounts running sextortion scams from Nigeria

Meta said Wednesday that it has taken down about 63,000 Instagram accounts in Nigeria running sexual extortion...

Puerto Rico bans discrimination against those who wear Afros and other hairstyles on diverse island

SAN JUAN, Puerto Rico (AP) — Puerto Rico’s governor on Wednesday signed a law that prohibits discrimination...

Farmers in Africa say their soil is dying and chemical fertilizers are in part to blame

NAIROBI, Kenya (AP) — When Benson Wanjala started farming in his western Kenya village two and a half decades...

Les Christie

NEW YORK (CNNMoney) -- Borrowers who lost homes to foreclosure during the housing bust are starting to buy again.

Since the housing bubble burst, 4.8 million borrowers have lost their homes to foreclosure, and another 2.2 million gave them up in short sales, according to RealtyTrac. While many are still struggling to recover financially, a growing number are starting to bounce back -- and they are looking for a new place to call home.

Susan Edwards and her husband, Dave, lost their Palmdale, Calif., home in 2010 after Susan's severe arthritis made it impossible for her to work her medical device sales job.

The medical bills soon piled up and the couple could no longer afford their $2,300 monthly mortgage payment. In addition, their home's value had plunged 40 percent below the $325,000 mortgage balance.

"We were living under such pressure," she said. "We looked at the numbers and knew we had to default."

After the foreclosure, Susan's credit score had taken a 70-point hit; Dave's score fell even further.

By paying all of the bills on time, they nursed their credit scores back to health. And in December, two years after they lost their old home, the couple was able to buy a new home with a loan backed by the Veteran's Administration. VA-insured loans can be obtained just two years after a foreclosure, according to the Mike Frueh, director of the VA's Loan Guaranty Program.

The new house is a lot like the Edwards' old one, with one big improvement: The mortgage payment is $1,150 a month -- roughly half the amount they used to pay.

"[After bankruptcy], foreclosure is one of the things that hits your credit score the hardest," said Anthony Sprauve, a spokesman for FICO.

Foreclosures and short sales usually knock about 85 to 160 points off a credit score. Scores suffer less if you pay at least the minimum on all your other bills on time and only allow your mortgage payments to go unpaid, said Jon Maddux, the CEO of YouWalkAway.com, which offers advice to defaulting mortgage borrowers.

Once the damage is done, it can take three to seven years for a score to fully recover. But some lenders are willing to work with borrowers earlier than that.

Mortgage giants Fannie Mae and Freddie Mac, for example, require defaulters to wait five years -- and have a minimum credit score of 680 and put 10 percent down -- before they can purchase a home again. If they don't meet that criteria the wait is seven years, at which point the foreclosure is expunged from a person's credit report.

If defaulters show that extenuating circumstances caused the foreclosure -- such as a health issue that prevented them from working, a layoff, a divorce or other one-time event -- the wait may be reduced to three years.

The Federal Housing Administration allows banks to issue FHA-insured loans to borrowers three years after a foreclosure or a short sale in which the borrower was in default.

Tony and Ginger Read, who live with their three kids outside of Boise, Idaho, took four years to rebuild their credit after they sold their home in a 2008 short sale. Tony had been laid off and the couple had already sold their camper and other valuables in a fruitless effort to keep their home. Eventually, a broker convinced them to sell.

"It was the hardest thing we ever had to do but we couldn't afford the payments," said Ginger.

Tony now has a job supervising a sand and water pumping crew for the fracking industry and the couple's credit score has regained more than half of what it lost.

In January, they were approved for a 4 percent interest FHA loan on a $280,000 house in Fruitvale, Idaho. They close April 12.

Mike Edgar, the broker who worked with the Reads to sell their home and buy a new one, has worked with several clients to help them repair their credit and, when they're ready, buy new homes.

In 2012, he worked with 15 "boomerang" buyers, about a quarter of his sales. He expects that number to double in 2013.

Tim Duy, a business manager in Verrado, Ariz., and his wife Christina, lost their house in April 2011. They're eager to become homeowners again, but for now they're concentrating on repairing their credit. The foreclosure, which knocked Duy's credit score down 200 points to below 600, has since rebounded to 730.

Meanwhile, the couple window shops. "We're in the penalty box for another year, maybe," said Duy. "I see houses just what we want selling for $185,000. I would jump all over that if I could."

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