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» Kentucky rank: 27 90+ Day Delinquency Rate Sellin' Ellen My emphases on marketing selling closing properties in record time and numbers Foreclosure Rate April 2013 2.3% Unemployment Rate 2.4% 7.9% year ago 2.3% 3.5% 8.2% year-over-year change -3.0% -33.0% -3.7% Top County Harlan CounTy 90+ Day Delinquency Rate April 2013 4.3% Foreclosure Rate 6.8% year ago Serving: Johnson, Wyandotte, Leavenworth, Miami, Jackson, Clay & Cass Counties Sells and closes majority of REO properties in same month. Inventory is handed in an effective timely maner. 3.5% 8.1% year-over-year change 22.7% -16.2% Top Core-Based Statistical area MounT STerling, Ky 90+ Day Foreclosure Delinquency Rate Rate April 2013 2.8% 5.0% year ago Awards: Top Gun Silver Award, Realty Executives International 2012, Ranked #2 Realty Executives Mid -America Region 2012, Ranked #20 Kansas City Business Journal 2012 Specializing in: REO, Short Sale, REO to Rental, Property Management, Hedge Funds Your Greater Kansas City REO expert Marketed REO Properties Certified ShortSale Expert REO Rental and Property Management. Ellen S. Brewood Realty Executives of KC 11401 Ash, Leawood, KS 66209 eb-kcreo@sbcglobal.net 913-221-3348 cell 913-962-4100 ext. 103 office 913-962-4140 fax www.kcreosales.com NAWRB WWW.NAWRB.COM ESTABLISHED 2009 3.2% 6.3% year-over-year change -13.8% -20.3% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the April 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary April 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Applied Analytics. IN THE NEWS Kentucky Ranks Among the Nation's Worst in Financial Capability Survey The FINRA Investor Education Foundation released the results of its stateby-state Financial Capability Survey, which revealed that Kentuckians ranked 3rd worst at having unpaid medical bills and tied for 4th worst at having rainy day savings. The findings are part of the FINRA Foundation's 2012 National Financial Capability Study, which explores how Americans manage their resources and make financial decisions. The study, which surveyed more than 25,000 respondents nationwide, was developed in consultation with the U.S. Department of the Treasury, other federal agencies, and the President's Advisory Council on Financial Capability. Sixty-two percent of Kentuckians reported not having rainy day savings to cover three months of unanticipated financial emergencies. This compares with 56 percent VISIT US ONLINE @ DSNEWS.COM of Americans nationwide. However, 39 percent of Kentuckians reported spending less than their household income relative to the national average of 41 percent when looking at spending vs. savings. On a test of five basic financial literacy questions, Kentuckians answered on average 2.73 questions correctly. The national average was 2.88 correct answers. "Coming out of the worst economic downturn in decades, Americans face an array of complex choices as they try to manage their day-to-day budgets and save for the future," said FINRA Foundation president Gerri Walsh. "The Great Recession put Americans' financial capability—their ability to make intelligent financial decisions and manage risk—under a microscope. The FINRA Foundation's survey reveals, in unprecedented detail, the ability of Americans in every state to manage their financial lives." KNOW THIS Agriculture helped to minimize Kentucky's decline in personal income of 0.7% during the first quarter, according to the economics group at Wells Fargo Securities. Louisiana rank: 20 90+ Day Delinquency Rate Foreclosure Rate April 2013 3.3% Unemployment Rate 2.6% 6.5% year ago 3.4% 3.4% 6.8% year-over-year change -2.1% -23.0% -4.4% Top County ST. Bernard PariSh 90+ Day Delinquency Rate April 2013 5.3% Foreclosure Rate 5.8% year ago 5.7% 7.7% year-over-year change -7.7% -25.3% Top Core-Based Statistical area BaSTroP, La 90+ Day Delinquency Rate Foreclosure Rate April 2013 6.4% 3.9% year ago 6.0% 5.4% year-over-year change 6.7% -27.9% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the April 2013 foreclosure rate. All figures are rounded to the nearest decimal. The unemployment rate reflects preliminary April 2013 figures released by the Bureau of Labor Statistics. All other data courtesy of LPS Applied Analytics. 77