A case for post-purchase support programs as part of Minnesota's emerging markets homeownership initiative

The State of Minnesota’s Emerging Markets Homeownership Initiative (EMHI) seeks to boost homeownership rates among Minnesota’s “emerging markets,” defined as households of color, non-English speaking households, and households in which English is a second language. Many of the implementation strategies in the EMHI Business Plan address general barriers to homeownership and should increase the number of emerging market households that become first-time homeowners. EMHI doesn’t stop there, however. It also recognizes the need to sustain homeownership after initial purchase, in keeping with growing evidence that the cliché “once an owner, always an owner” is far from true, especially for minority and low-income households. In particular, the EMHI Business Plan includes a strategy for developing and implementing a post-purchase services network that will enhance their prospects for successful, sustainable homeownership. As a foundation for the implementation effort, this report explains why Minnesota is in a good position to use post-purchase support programs to pursue EMHI’s goals.

Targeting foreclosure interventions: an analysis of neighborhood characteristics associated with high foreclosure rates in two Minnesota counties

This study examines the statistical association of foreclosure sales with social, economic and housing variables measured at the Census tract level for two purposes of interest to foreclosure mitigation practitioners —- to assess whether it is feasible to identify in advance neighborhoods likely to have high rates of foreclosure, and to explore the socioeconomic traits of high-foreclosure neighborhoods so as to design appropriate mitigation programs. We collected data on foreclosure sales in 2002 from the sheriff’s departments of Hennepin and Ramsey counties, the two core counties that comprise the Minneapolis-St. Paul MSA. We find that several factors commonly associated with high foreclosure sale rates could have correctly identified, in advance, most neighborhoods with high rates of mortgage foreclosure. To guide the design of foreclosure mitigation programs, we also present evidence that foreclosure risks in our two counties were highest in neighborhoods with elevated credit risk indicators and a high proportion of homeowners who are recent minority buyers or young. We show that an accurate credit risk variable is among the best predictors of foreclosure and also critically affects our multivariate analysis of factors associated with foreclosure. To limit social losses associated with foreclosures, we conclude that consideration should be given to enhancing public access to data on mortgages, foreclosures, and foreclosure risk factors, especially the neighborhood distribution of credit scores.

Alginate hydrogel has a negative impact on in vitro collagen 1 deposition by fibroblasts

Hydrogels have been widely investigated as 3D culture substrates because of their reported structural similarity to the extracellular matrix (ECM). Limited ECM deposition, however, occurs within these materials, so the resulting “tissues” bear little resemblance to those found in the body. Here matrix deposition by fibroblasts encapsulated within a calcium alginate (Ca-alg) hydrogel was investigated. Although the cells transcribed mRNA for coll Iα over a period of 3 weeks, very little collagen protein deposition was observed within the gel by histology or immunohistochemistry (IHC). Although molecular diffusion demonstrated charge dependency, this did not prevent the flux of both positively and negative charged amino acids through the gel, suggesting that the absence of ECM could not be attributed to substrate limitation. The flux of protein, however, was charge-dependent as proteins with a net negative charge passed quickly through the Ca-alg into the medium. The minimal collagen deposition within the Ca-alg was attributed to a combination of rapid movement of negatively charged procollagen through the gel and steric hindrance of fibril formation

Evaluation of elevated serum transaminase levels

The evaluation of patients with elevated transaminase levels should be individualized based on the presence of symptoms or physical examination findings that suggest serious disease or hepatic decompensation. (Strength of Recommendation [SOR]: C, expert opinion.) The initial evaluation should determine specific etiologies, such as exposure to alcohol or hepatotoxic medications, viral hepatitis, or hemochromatosis. In patients with reassuring initial test results, lifestyle modification can reverse presumed nonalcoholic fatty liver disease (NAFLD), the most common cause of persistently elevated liver transaminase levels. (SOR: B, based on cohort trials.) Transaminase levels that are elevated for longer than six months warrant additional investigation, which may include ultrasonography, additional serology, and possible liver biopsy. (SOR: C, expert opinion.

Comparison of Quantum Mechanical and Empirical Potential Energy Surfaces and Computed Rate Coefficients for N2 Dissociation

Physics-based modeling of hypersonic flows is predicated on the availability of chemical reaction rate coefficients and cross sections for the collisional processes. This approach has been built around the use of quantum mechanical calculations to describe the interaction between the colliding particles. In this approach a potential energy surface (PES) is computed by solving the electronic Schrdinger equation and collision cross sections are determined for that PES using classical, semiclassical or quantum mechanical scattering methods. The rate coefficients are computed by integrating the thermally weighted cross sections. State-to-state rate coefficients are determined by only integrating over a thermal distribution of collisional energies. Finally, thermal rate coefficients are determined by summation of the state-to-state rate coefficients for reactions of molecules in all relevant ro-vibrational energy levels. If the flow is in thermal non-equilibrium, the translational, vibrational and rotational energy modes can be represented in different ways: three unique temperatures can be used to describe the distributions, the populations of individual ro-vibrational energy levels can be determined by solving the Master Equation, or through the use of direct simulation in particle-based Monte Carlo sampling. The PES-to-rate coefficient approach had been proposed and attempted in the early days of digital computing, but it is only in the last 15 years that computer hardware and software have been up to the task of calculating accurate interatomic and intermolecular potentials