Showing posts with label salt lake county. Show all posts
Showing posts with label salt lake county. Show all posts

Friday, November 20, 2009

Utah ranked No. 2 healthiest state

Utah ranked No. 2 healthiest state
By Carrie A. Moore

Deseret News 

If you worked out, took the stairs, ate an apple or chose water over soda for lunch Tuesday, yours were among the millions of daily choices Utahns make to rank as the second healthiest state in the nation.


New data released in the United Health Foundation's 20th annual America's Health Rankings rate the Beehive State second only to Vermont in a broad measure of health and overall physical well-being. Utah ranked fifth last year, so the newest rating is a significant boost, health officials said.

The yearly report credited Utah with the lowest rates in the nation for smoking, cancer deaths, infant mortality and binge drinking, but found the availability of primary care physicians here limited compared with other areas.


It also noted a high "geographic disparity" regarding access to health services for those in remote rural areas, and cited a low rate of funding for public health as significant health challenges.

Utah's ranking was a pleasant surprise to health officials, who often deal with both the results of poor health choices and a relatively large gap in funding for public health programs.

Utah's spending was $60 per person for public health last year, compared with a national average of $94 per person and $150 per person in Vermont.

Dr. David Sundwall, executive director of the Utah Department of Health, said he was surprised and pleased by the jump in rank.


"It's obviously a continuation of a cultural predisposition to healthy behaviors, and I'm grateful to have people living here who care about their health," he said.

Sundwall was particularly pleased that the boost "comes at a time when the state is increasingly diverse."

"We can't just say anymore that those white Mormons are healthy people," he said. "We have to assume some of these improvements are due both to public health practices and state policies," including a legislative mandate that children in Utah who meet the income guidelines qualify for government-funded health insurance.

Dr. Elizabeth Joy, a family and sports medicine physician at the University of Utah, said she was a bit surprised by Utah's high ranking as well, though "there are a lot of really good things about the lifestyle here that provide us with good health as a state."

Though Utah's rate of obesity continues to increase at about the same rate as the rest of the nation, "we have a lower rate overall and a much lower rate than some parts of the nation, especially in the Southeast," Joy said.

Sundwall said he takes no comfort in the fact that Utahns were fifth best in the nation in the percentage of obese residents, noting 23 percent of Utahns still fall into that category.

"We are not yet getting fat as fast as the rest of the nation is," he said. "However, we are on a quick track of getting there."


Health promotion will continue to be needed, particularly among young people, Joy said. She's hoping to see a bill introduced during the upcoming legislative session that will restrict the vending machine choices available in the state's middle schools.

"Fat kids and fat adolescents become fat adults," she said. "If you're fat as a kid, your risk of obesity as an adult is almost guaranteed. It's a habitual as well as a physiological change that occurs as a result of the environment our bodies are exposed to."

The report praised Utah for its efforts in preventing infant mortality, noting the state's rate has dropped by 45 percent over the 20 years the health rankings report has been published. It also noted the decreasing rate of uninsured residents.

Utah has consistently ranked among the top 10 healthiest states in the 20 years the report has been published.

Monday, November 16, 2009

Utah - Quality of Life

Overview

Residents of Utah enjoy an invigorating four-season climate, a moderate cost of living, high quality education, excellent health care, and outstanding cultural and recreational opportunities.

These economic, social and cultural advantages make Utah a very desirable place to live.
Highlights

Utah's cost of living falls below national levels for most indicators.

The median sales price of a home in Salt Lake County in April 2008 was $235,000. Utah homes sales have been impacted by the national mortgage problems, but continue to be fairly strong.

Salt Lake County Parks and Recreation provides various activities for citizens of all ages, including a Jr. Jazz program.

Residents of the state enjoy lower disease rates and longer life expectancies.

Utah's culture emphasizes a family and community lifestyle. Thirty-nine states have higher violent crime rates than Utah.

Utah's professional sports teams include the Utah Jazz of the NBA, the Salt Lake Bees of Triple A baseball, the Utah Grizzlies Hockey club of the International Hockey League, and the REAL Salt Lake, Major League Soccer.

Utah is home to the U.S. National Ski Team.

The dry, powdery snow found at Utah's 14 Alpine ski resorts is considered to be the "greatest snow on earth".

Utah arts enthusiasts enjoy a unique mix of performing arts groups, including the Utah Symphony, Ballet West, the Utah Opera Company, the Utah Shakespearean Festival and the Mormon Tabernacle Choir, and modern dance.

Utah has five national parks: Arches, Canyonlands, Zion, Bryce and Capitol Reef.

Salt Lake also provides a variety of unique and enjoyable restaurants, clubs, and bars.

Wednesday, November 11, 2009

3 Must Have Qualifications for a Short Sale

3 Must Have Qualifications for a Short Sale

While the misconceptions of what qualifies a seller for a
short sale are many, the reality is actually very simple.
Following is an explanation of the three major items that
banks will be looking for to consider a seller for a short sale. While
there will be much more information required, this is an excellent
place to start. A seller who does not meet all three of these
thresholds will not qualify.


1. Financial Hardship

First and foremost a lender will want to see that your client is
experiencing a ‘financial hardship’. A financial hardship is a verifiable
issue that has caused your client to miss payments or have financial
difficulties.

Financial hardships can be issues such as:

  • Mortgage Payment Adjustment
  • Job Loss
  • Too Much Debt
  • Business Failure
A simple definition for ‘financial hardship’ is:
A material change in-between the day the mortgage was signed
and today that has affected the borrower’s ability to pay.


2. Monthly Shortfall
Almost every lender will want to see that a potential short sale
client cannot afford to pay their mortgage. The way that this is
demonstrated is on a financial worksheet that is essentially a
monthly profit and loss statement. While this may sound difficult in
reality determining whether a client has a monthly shortfall or not is
actually relatively easy.
The equation is:
Total Monthly Income – Total Monthly Expense = Monthly Shortfall
If your client does not have a monthly short fall but will have one
soon due to a payment increase or pending layoff, etc. then they
still can qualify for a short sale as long as this issue is verifiable.


3. Insolvency
In order to qualify for a short sale, your client cannot have the
means to pay down his mortgage. This means that the mortgage
company wants to see that your client owes more
than he has in cash (know as being insolvent). Your
client does not however have to be completely
broke—this is a common misconception, the lender
will want to see that over time the borrower will not
be able to pay their obligation.


Alex Charfen, Co-Founder of the Distressed Property Insitute


Monday, November 9, 2009

What Should I Look for When Walking Through a Home?

What Should I Look for When Walking Through a Home?



Is there enough room for both the present and the future?

Are there enough bedrooms and bathrooms? Could you add more?

Is the house structurally sound? Roof? Foundation? Etc.

Do the mechanical systems and appliances work?

Is the yard big enough?

Do you like the floor plan?

Do you like the community?

Where does the home’s value compare to other homes in the area?

How long will you live there? What will the neighborhood’s value be then?

How do the schools compare?
Will your furniture fit? Is there enough storage?

Imagine living in the home… how does it feel? During each season?


Saturday, November 7, 2009

Things to Remember when Buying a Home…

Things to Remember when Buying a Home…


After Pre-Qualifying for a mortgage, don’t make major purchases on credit or use your available cash for down payments. The lender will be required to pull your credit report a second time right before you close.

Be sure to ask about Home Warranties and Home Inspections. These will save you major headaches down the road!

Before you even look at even one home, pre-qualify with a mortgage lender so you don’t set your expectations too high or too low when viewing properties.

Assess your needs v. wants on a sheet of paper. Divide the paper into two sides: on one side make a list of features that you HAVE to have and on the other a list of features that would be nice to have.

Keep a record of all your documents from beginning to end, this will help you in preparing your taxes and when you decide to sell your home.

Be realistic when negotiating with the seller, evaluate recent trends in the market and the average sale price v. listed price in the area. Your agent will show you data on the MLS for comparisons. Remember… you and the seller set the price, not your agent or theirs.


If you know you have credit complications, it is a good idea to meet with a qualified mortgage lender to assess your situation and create a strategy for cleaning up your credit, your lender will advise you on what steps to take in order to qualify sooner for a loan.