Economic and legal analysis of mandatory non-recourse mortgages with applications to Spain

“The liquidity crisis of the Spanish banks is largely due to the lack of confidence of foreign investors and, therefore, the changes that occur in the legislation should not affect the credibility, stability, legal certainty, predictability that markets expect”.Sergio Nasarre (2011)In the current situation of economic crisis, many people have found they can no longer pay back the mortgage loans that were granted to them in order to purchase a dwelling. It is for this reason that, in light of the economic, political and social problems this poses, our paper studies the state of the Spanish real-estate system and of foreclosure, paying special attention to the solution that has been proposed recently as the best option for debtors that cannot make their mort-gage payments: non-recourse mortgaging. We analyze this proposal from legal and economic perspectives in order to fully understand the effects that this change could imply. At the same time, this paper will also examine several alternatives we believe would ameliorate the situation of mortgage-holders, among them legal reforms, mortgage insurance, and non-recourse mortgaging itself.

Issue review : proposed sale of state farm ground.

This issue review provides an update on the proposed sale of state land as defined in Senate File 2088, Government Reorganization and Efficiency Act, section 8.

Yield and performance of sugarcane in on-farm interface with rubber in Brazil

Agroforestry systems are indicated as an alternative for sugarcane (Saccharum officinarum) cultivation in Piracicaba, SP, Brazil, however there are not many field experiments on plant performance under these conditions in the world. The objective of this work was to assess crop yield and partitioning in a sugarcane-rubber (Hevea brasiliensis) interface in on-farm conditions. The availability of irradiance for the crop along the interface was simulated and its effe ct over sugarcane dry matter production was tested. Crop yield was negatively affected by distance of the trees, but development and sucrose were not affected. Above ground dry matter increased from 16.6 to 51.5 t ha-1 from trees. Partitioning did not have a defined standard, as harvest index increased from 0.85 to 0.93, but specific leaf area was not significant along the transect, ranging from 13.48 to 15.73 m² kg-1. Light is the main factor of competition between the trees and the crop, but the relative importance of below ground interactions increases closer to the trees. Feasibility of the system depends on maturity of the trees and management strategies.

Indexes of prices received by Iowa farmers for farm commodities.

The Iowa Crop and Livestock Report

Farm Families Alive and Well, April 2015, Vol. 21, no. 2

News from Iowa’s Center for Agricultural Safety and Health (I-CASH)

Farm Families Alive and Well, June 2015, Vol. 21, no. 3

News from Iowa’s Center for Agricultural Safety and Health (I-CASH)

Effects of Implements of Husbandry (Farm Equipment) on Pavement Performance, TR-563, 2012

The effects of farm equipment on the structural behavior of flexible and rigid pavements were investigated in this study. The project quantified the difference in pavement behavior caused by heavy farm equipment as compared to a typical 5-axle, 80 kip semi-truck. This research was conducted on full scale pavement test sections designed and constructed at the Minnesota Road Research facility (MnROAD). The testing was conducted in the spring and fall seasons to capture responses when the pavement is at its weakest state and when agricultural vehicles operate at a higher frequency, respectively. The flexible pavement sections were heavily instrumented with strain gauges and earth pressure cells to measure essential pavement responses under heavy agricultural vehicles, whereas the rigid pavement sections were instrumented with strain gauges and linear variable differential transducers (LVDTs). The full scale testing data collected in this study were used to validate and calibrate analytical models used to predict relative damage to pavements. The developed procedure uses various inputs (including axle weight, tire footprint, pavement structure, material characteristics, and climatic information) to determine the critical pavement responses (strains and deflections). An analysis was performed to determine the damage caused by various types of vehicles to the roadway when there is a need to move large amounts agricultural product.

Farm Families Alive and Well, September 2015, Vol. 21, no. 4

News from Iowa’s Center for Agricultural Safety and Health (I-CASH)

Farm scale alcohol production : the Iowa State University ethanol distillery, 1981.

This publication was prepared to describe how the Iowa State University distillery has been operating, including information on distillery size, equipment, tanks, condenser, heat exchanger, pumps and the process. Photos and diagrams are also included.

Farm Families Alive and Well, December 2015, Vol. 22, no. 1

News from Iowa’s Center for Agricultural Safety and Health (I-CASH)

Farm Families Alive and Well, March 2016, Vol. 22, no. 2

News from Iowa’s Center for Agricultural Safety and Health (I-CASH)

Farm Safety is Important in Iowa, October 11, 2012

An IDPH Occupational Health and Safety Surveillance Program (OHSSP) analysis of Iowa’s work-related traumatic fatalities shows that transportation events accounted for 48 of 90 deaths in 2011. Agricultural activities were involved in 21 of the 48 transportation deaths (44%) and 32 of the 90 total fatalities (36%). Tractor and ATV (all-terrain vehicle) or UTV (utility vehicle) rollovers were responsible for 62% (13/21) of the farm or ag-related transportation deaths.

Transmission of MRSA and MSSA between humans and farm animals

Human nares are the main niche of Staphylococcus aureus, but farm animals can be also infected (cows) or colonized (pigs) constituting significant reservoir of this pathogen. Previous studies indicated that human and animal strains are quite distinct but the extent of cross-species specialization and transmission remains largely unknown. However, recent reports from several European countries as well as USA and Canada have indicated that employment in farming is an emerging risk factor for MRSA carriage. Pigs were found to be frequently colonized with MRSA, usually with a strain belonging to CC398. It is not known whether animal-human transmission was specific to this particular MRSA strain. S. aureus isolates from cow mastitis and pig colonization isolates were collected in parallel to nasal swab isolates from the animals' caretakers. The isolates were genotyped by AFLP, spatyping, and when appropriate by MLST. The isolates from cow mastitis were genetically uniform in comparison with human isolates. They were quite distinct from farmers\' carriage isolates, indicating pronounced hostspecialization. However, several cases where an infected cow and a colonized farmer had the same strain were detected, including one farm where two farmers were colonized and two cows were infected with MRSA belonging to CC398. Pig isolates were genetically more diverse than cow isolates. They were different from both human and cow isolates with one notable exception. Large fraction of pigs (20%) and pig caretakers (50%) were colonized with isolates belonging to CC398, majority of which were MSSA (2 cases of MRSA). These results indicate that host specialization in S. aureus is quite pronounced. Transmission between humans and farm animals was consequently quite rare. Both MSSA and MRSA strains belonging to otherwise pig-specific CC398 had increased capacity to colonize humans. Study of the genetic factors responsible for host specialization is underway.

Impact dehulling oat grain to improve quality of on-farm produced feed 2

Selostus: Kauran kuorinnan aiheuttama jyvien rikkoutuminen ei heikennä säilyvyyttä

Impact dehulling oat grain to improve quality of on-farm produced feed 1

Selostus: Kotoisen kauran ravitsemuksellista arvoa ja energiapitoisuutta voidaan parantaa kuorinnalla