Short-Term Pain, Long-Term Wonder Foreclosure.com Scholarship Program Winning Essay 2017, (Grand Prize)


You know, I just read the following article, and see that the “Millennials” are being brain washed. Goldman Sachs said back around 2008 “Only the rich should own houses, everyone else should be renting”. Sorry, I am still looking for the article wherein I quoted from. I will find it, I used that in a brief.

I knew that meant trouble. Even with foreclosure hell in the middle of its heyday, it still meant something. Not long after that, people being foreclosed upon, began being offered the chance to rent the house that they just lost.

Now, these third party entities popped up almost over night, and instead of the properties at foreclosure, reverting back to the lenders, these third parties now purchase at foreclosure auctions. Then they offer to rent you your house, or take you to magistrate court and have your thrown out, instead of the banks having to do that.

Funny thing, if you research most of these third parties, back far enough, the banks own them too, so still the same thing, just different names. Nevertheless, I could not help but post the article. It is obvious that “they” want us all in little apartments in and around the cities, easier to control “us”. I just had not realized that they were in the progress of brain-washing the Millennials into not even wanting to own a house.

Read the article:

Short-Term Pain, Long-Term Wonder
Foreclosure.com Scholarship Program Winning Essay 2017, (Grand Prize)
https://article.foreclosure.com/short-term-pain-long-term-wonder-82f82b90ff52
Go to the profile of Foreclosure.com Staff
Foreclosure.com Staff
Feb 28, 2018
By Jack Duffley | University of Illinois At Urbana-Champaign

foreclosure-kid
(photo from https://article.foreclosure.com/short-term-pain-long-term-wonder-82f82b90ff52)

In the gleeful times of 2005, my parents decided, like so many others, that it was time to “upgrade.” They sold our smaller home on the other side of town, which had appreciated nicely, and bought a 3700 square foot behemoth in a town with already exorbitant property taxes. My younger brother and I were thrilled to finally have a basement, our own rooms, and even a concrete basketball court in our backyard! All eight-year-old me knew was that things were going to be a whole lot more comfortable from there, and my optimistic parents seemed to think the same.

Jack Duffley | University of Illinois At Urbana-Champaign
The year is 2017, and my parents have only just now reached the equity levels in the house that they started with over a decade ago, nearly one-hundred-fifty mortgage payments later. However, after being bombarded by extremely high taxes for that entire time, they are essentially underwater on the property, but see little choice but to hang on for dear life until equity recovers just a bit more before they abandon ship. A thin retirement plan, mostly resting on the house, has forced their hand.

My parents’ story is in no way unique; millions of Americans who purchased homes before the 2008 recession have faced similar dilemmas, often worse than theirs. Many had no choice but to foreclose during the worst of it. After all, the homeownership rate has declined almost 5 points nationwide since the recession.[1] If anything, they can be considered lucky, yet they are still stuck in the mud. Their children, on the other hand, are now at their own fork in the road: to be [a homeowner] or not to be.

And, all things considered, they are often choosing not to be. The census shows a stark dip in homeownership among those under the age of 35 of almost 10 percent, lowering significantly from its peak pre-recessionary levels of 43 percent to a dismal 34 percent. At the same time, rental vacancy rates nationwide fell from over 10 percent to less than 7 percent as more people turned to renting, millennials especially.[2] Why is this happening?

Aside from the obvious fear of the failure that their parents faced, millennials are renting more as they define their own unique lifestyle. Millennials, in ever increasing numbers, are focusing on “living now.” They are choosing to move into urban areas in particular. As a predominantly liberal group, and with large cities tending to lean left, this is partially due to political forces. The majority, however, is due to lifestyle conveniences that come with a city: multiple options for transportation and not needing to own a car, proximity to cultural events and nightlife, and, especially with the decline of the suburbs as retail simultaneously sinks, a more positive future economic outlook. They more readily take the loss in living space for these benefits than their previous generations did.

At the same time, a growing number of millennials are facing burdensome student loan debt. Rather than come out of college with pristine back-end ratios primed for a hefty mortgage, they are handcuffed by the debt that they have amassed in their early twenties. As the Pew Research Center has noted, 37 percent of people under the age of thirty have student loan debt. They contribute to the $1.3 trillion in student debt, leverage that could presumably be used for a mortgage or some other useful credit if it were not locked up already.[3] Millennials are trying to increase their earning power by going to school so that they have the opportunity to advance economically, but it is simultaneously holding many of them back via years of extra debt — debt that is notably not going to a physical asset.

What does this mean for real estate? For the single family home market, it spells disaster, at least in the short term. Grant Cardone, one of the premier real estate investors in the world, calls homeownership a “scam,” and emphasizes that renting over homeownership among young people is becoming more and more popular. He notes that there is a huge need for affordable rentals as millennials deviate away from single family homes. Cardone is always one to advocate renting as a more advantageous and flexible lifestyle choice, and, as it has been mentioned, millennials increasingly value the flexibility that comes with renting instead of buying a home. Many, like Cardone, now see homeownership as a solely negative ordeal.

While it may not be up to the level of a “scam,” there are significant drawbacks with owning a home. For one, it locks up a significant amount of capital, money that could be used for a number of different projects or investments. In sum, homeownership is very expensive, at least in the short term when people make their initial down payment and any potential renovations. This makes it very hard to own a home for people of all ages. Additionally, owning a home can financially lock someone to a particular location, one which they might not want to be in after a while. Finally, for those hoping for appreciation when they purchase their home, as with any investment, there is a chance that it does not pan out. A poorly timed crash can wipe out an owner’s equity in seconds just as it did to my parents and so many others.

While there are drawbacks, the Great Recession and its subsequent lifestyle shift suggest the lack of education about the benefits of owning real estate. Even my parents are constantly warning me of the dangers of homeownership; the shift is not totally driven by millennials themselves. They too are still shaken by their mistakes and the sledgehammer that was the crash. They ignore the value of building equity over the long term, the typical tax benefits that come with a primary residence, and the relative stability of the real estate market because they mistakenly overpaid for a house that, in hindsight, they cannot comfortably afford in a downturn. They just hope that I do not do the same, and rightfully so. However, what millennials should have learned from the recession is not that real estate is bad, but that they simply must be careful and reasonable with what they assume when purchasing it.
3310-Harrison-Rd-east-point
Unfortunately, the average consumer purchases on emotion. With the tremendous amounts of emotional trauma from the recession, millennials are increasingly refusing to buy a home as their parents might have desired at the same age. But what are they purchasing in its place? Many take on higher rents, consistent with the “living now” mentality. Many more use their money to buy a wealth of products online. Some are even speculating on cryptocurrency, something far more unknown than real estate, expecting to make a lot of money. Why do they do that? Because the average consumer purchases on emotion, not on something systematic. Real estate has already been proven to be a relatively safe and a potentially very powerful asset. Instead, the negatives have been, and continue to be, emphasized. This masks the positives of owning a home, or even a simple condo. Millennials in some cases are mistakenly ignoring all real estate and not just the kind of overleveraging or speculating that got their parents into trouble.

Does this spell the end to America? Will the country burst into flames as millennials move to urban areas? Of course not. It must be noted that the current trend does not own the future; millennials could very well begin to purchase homes in huge numbers, especially as prices drop over the next few years. While it is likely that this will not be the case, it is impossible for anyone but millennials themselves to determine that.

What is certain is that, in the short run, there will be pain. The single family housing market is going to suffer as millennials make lifestyle choices contrary to their parents. The market will be oversupplied with single family homes. However, millennials will still need a place to live, just like anyone else. Their increasing demand for urban locations and conveniences will push rent up in cities, as it already has in places like San Francisco and Seattle. This will open a new, and huge, opportunity for real estate investors and developers alike to profit in the cities as millennials develop their own American Dream. After all, a dream is only what a person makes of it, not what someone else defines it as.

References:
[1] U.S. Census Bureau, Annual Homeownership Rates for the United States and Regions: 1968–2016, (accessed Dec 10, 2010), https://www.census.gov/housing/hvs/data/charts/fig05.pdf

[2] U.S. Census Bureau, Annual Rental Vacancy Rates for the United States and Regions: 1968–2016, (accessed Dec 10, 2010), https://www.census.gov/housing/hvs/data/charts/fig03.pdf

[3] Anthony Cilluffo, “5 facts about U.S. student loans,” Pew Research Center, last modified August 24, 2017. http://www.pewresearch.org/fact-tank/2017/08/24/5-facts-about-student-loans/

The winning essay above was submitted to Foreclosure.com’s scholarship program.

The 2017 essay topic:
IS THE “AMERICAN DREAM” OF ONE DAY OWNING A HOME ALIVE AND WELL AMONG MILLENNIALS?
Millennials having experienced the “Great Recession,” which was the traumatic housing crisis that triggered the financial crisis a decade ago. As a result, data suggests that Millennials (those born between 1981 to 1997) have been slow to adopt homeownership. Discuss the pros and cons of homeownership for Millennials, as well as which factors could increase or decrease homeownership among the generation. Will their collective hesitation and apprehension hurt them in the long run or are Millennials simply in the process of re-defining the “American Dream?”

FORECLOSURE HELL


I had been doing so much better about keeping up with my blogs, until about this last week. I had not gotten back to posting as much as I had in the past, but was doing much better.

I have to admit though, every month, beginning the week before foreclosure hell (the day they auction the homes foreclosed upon), have been particularly hellish.

I guess for a while, no one I know was being foreclosed upon. But beginning last month, my friends began being sold at auction again. It had been a whole year until just these last couple of months. Then all of the sudden, properties that the banks had lost interest in, out of the blue, and with little or no warning, were sold at auction.

We all managed to stop two of the sales, those two were cancelled, but last month, one was lost to foreclosure, and it took a lot of work to get cancelled, the two that were cancelled.

So, even though there may not be the number of foreclosures every month that there had been for a long time, looks like the banks have managed to get lined up, these companies, that will purchase damn near any house at auction. These companies that want to turn around and rent you your house they just purchased at foreclosure.

I told everyone, back in 2008-2009 when Goldman Sachs’ sorry ass said that “only the rich should own houses, everyone else should be renters”, that this is what could be expected. Yes, it took another 8 years for it to happen to this scale, but it is here, and it won’t be going away, till they get every one of our homes.

I have watched foreclosure sales every month since around 2006, and all the properties that were fought for, and the banks, just kind of fizzled away without a lot of fuss, homes that they realized would be close to impossible to get the foreclosed upon owner to leave, now that they can work it out to where these rent home companies, are the ones that has to get rid of the previous owners of the properties.

The banks see this as minor housekeeping, which they don’t mind at all.

ENENews: Hanford, the most radioactive site in USA In the News Again!



TV: EPA data reveals “sharp spike in radiation level” around US nuclear site — “It’s been reportedly leaking huge amounts of radioactive materials for more than 2 weeks” — Evacuations enacted… Almost 50 workers have sought medical attention… Symptoms include bleeding ulcers, burned lungs (VIDEOS)
http://enenews.com/tv-epa-data-reveals-sharp-spike-radiation-level-around-nuclear-site-leaking-huge-amounts-radioactive-materials-2-weeks-evacuations-enacted-almost-50-workers-sought-medical-attention-symtoms-incl
Published: May 7th, 2016 at 2:40 pm ET
By ENENews

KING 5 News, May 5, 2016 (emphasis added): Record number of Hanford workers sickened by toxic vapors — An unprecedented number of workers at Hanford have been exposed to dangerous chemical vapors since Thursday, April 28. In one week’s time a total of 47 people either sought medical attention… Symptoms reported by workers include a headache, burning nose and throat, nausea, a metallic taste in the mouth, elevated blood pressure, and dizziness… [T]hose familiar with the nuclear site cannot remember so many people falling victim in such a short period… On May 4, two more evacuations were enacted at the site after workers smelled odors and experienced symptoms… “Forty-two employees have been evaluated as a precautionary measure due to reported odors or symptoms at the on-site medical facility since Thursday. Thirty-one employees reported health symptoms while 11 went for cautionary reasons. All have been released to return to work” said Rob Roxburgh of the Dept. of Energy, in a statement sent to KING 5 on Wednesday. Chemical vapor releases at Hanford come from underground nuclear waste storage tanks that vent the gasses without warning.

RT, May 7, 2016: Spike in radiation levels after toxic waste leak at Washington nuclear site — Radiation levels at the Hanford, Washington nuclear waste site have spiked to “elevated risk” after thousands of gallons of toxic waste leaked in April… The recent readings from the Environmental Protection Agency (EPA) obtained by RT have revealed that a sharp spike in the radiation level had been registered in Richland on the morning of May 5. The readings show the random jump when the toxic fume rates briefly reached around 410 CPM (counts per minute), nearly the highest possible level… As of Friday afternoon, there have been no media reports suggesting that an evacuation or other measures and guidance have been ordered for Richland… The most recent radiation spike comes less than a month after a massive leak was first detected…

RT transcript, May 5, 2016: On Thursday last week at least 19 workers at the Hanford nuclear site were hospitalized after inhaling poisonous fumes, from tasting metal in their mouth to bleeding ulcers and burned lungs.

RT transcript, May 3, 2016: At the Hanford nuclear site in Washington state… more workers sought medical attention after inhaling radioactive fumes. This adds to 19 workers hospitalized last week for the same reason — reinforcing burning concerns about the facility as it’s been reportedly leaking huge amounts of radioactive materials for more than 2 weeks… [Tom Carpenter, Executive Director of Hanford Challenge:] “It’s an environmental disaster, at some point the [Columbia] River becomes so contaminated that you can’t use the river.”… Ecologists say the situation can always get worse. They hate to think what would happen in case of even a minor earthquake in a geologically unstable area that it is. But even in the current state of things with tanks leaking nuclear poison into the environment, Hanford is already way past the ticking time bomb stage.

RT transcript, May 2, 2016: [Tom Carpenter, Executive Director of Hanford Challenge:] “A second double-shelled nuclear waste tank is showing signs of having failed, you find that out because there’s high radiation levels in between the two shells of the tank. There should be no radiation in that space… but instruments they have deployed there show high radiation levels, plutonium, cesium, strontium-90, etc. – well where did that come from? It probably came from the tank, meaning there’s a hole.”… So we’re looking at potentially a catastrophe, a disastrous catastrophe? [Carpenter:] “Every day we’re looking at that at Hanford – I’m totally serious.”

RT transcript, Apr 21, 2016: ‘Washington state nuke plant leaks thousands of gallons of toxic waste‘… Experts say it’s time for every American to be worried.

Watch the broadcasts here: KING 5 | KING 5 | RT | RT | RT | RT

ENENews: Scientists: West Coast bird die-off “is biggest ever recorded” — Stomachs completely empty — “Staggering… Alarming… Unheard of… Never seen anything like it” — “Unprecedented in size, scope, duration” — “Deaths could reach many hundreds of thousands” — “A host of other freakish phenomena”


Scientists: West Coast bird die-off “is biggest ever recorded” — Stomachs completely empty — “Staggering… Alarming… Unheard of… Never seen anything like it” — “Unprecedented in size, scope, duration” — “Deaths could reach many hundreds of thousands” — “A host of other freakish phenomena” (VIDEO)

Published: February 4th, 2016 at 9:41 am ET
By ENENews
http://enenews.com/scientists-west-coast-bird-die-biggest-recorded-staggering-unheard-never-anything-like-unprecedented-size-scope-duration-worst-case-scenario-deaths-could-reach-many-hundreds-thousands-host?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+ENENews+%28Energy+News%29


http://www.adn.com/article/20160129/scientists-think-gulf-alaska-seabird-die-biggest-ever-recorded
Alaska Dispatch News, Jan 29, 2016 (emphasis added): Scientists think Gulf of Alaska seabird die-off is biggest ever recorded… The mass of dead seabirds that have washed up on Alaska beaches in past months is unprecedented in size, scope and duration, a federal biologist said… The staggering die-off… is a signal that something is awry in the Gulf of Alaska, said Heather Renner, supervisory wildlife biologist at the Alaska Maritime National Wildlife Refuge… It coincides with widespread deaths of other marine animals, from whales in the Gulf of Alaska to sea lions in California… Common murres and whales… are not the only Gulf of Alaska marine animals to fall victim to ailments… Kachemak Bay saw an eight-fold increase in sea otter deaths… Sea stars in Kachemak Bay in 2015 were found stricken with a wasting disease similar.

http://www.adn.com/article/20160129/scientists-think-gulf-alaska-seabird-die-biggest-ever-recorded
Heather Renner, Alaska Maritime National Wildlife Refuge: “We are in the midst of perhaps the largest murre die-off ever recorded”… [In Homer] the beaches are “littered” with murre carcasses… A breeding colony in the Barren Islands that is usually teeming in late summer with adult murres tending their young was deserted this year… “nobody was home… In more than three decades of monitoring murres in the Barrens, we’ve never had complete reproduction failure before“… Similar failures occurred at some other nesting colonies.

http://www.nprb.org/assets/amss/images/uploads/files/2016_AMSS_Poster_Sessions.pdf
USGS (pdf), Jan 2016: During March through September 2015, at least 25 seabird mortality events were reported across Alaska… The primary avian species reported included common and thick-billed murres, black-legged kittiwakes, horned and tufted puffins, glaucous-winged gulls, and sooty and short-tailed shearwaters… Some of these avian mortalities were concurrent with whale, pinniped, sea otter, and fish mortalities…

Marine Science Symposium – LIVEBLOG – Thursday

Alaska Public Radio, Jan 28, 2016: [T]his event will likely be the largest and most widespread on record. And seeing the starving birds dying far inland apparently searching for food is “nearly unheard of,” said USFWS’s Heather Renner.

Dead murres wash up on Haines’ beach

KHNS, Jan 15, 2016: “We’re seeing the effects of this throughout the food web,” [Rob Kaler U.S. Fish & Wildlife Service biologist] says… The murres’ stomachs are completely empty, Kaler says… Not only is the bird die-off unsettling, the implications are scary, [bird expert Pam Randles] says. “Our salmon eat that stuff and who knows what else is dying off, or starving, or having trouble?” Norm Hughes has been commercial salmon fishing in Alaska for more than 30 years. He says last season saw skinnier fish – up to 20 percent smaller… “there’s less fish”…

http://edition.cnn.com/2016/01/21/us/alaska-bird-die-off/
CNN, Jan 22, 2016: “We have never found close to 8,000 birds on a 1-mile long beach before,” [seabird biologist David Irons] said… “It is an order of magnitude larger than any records that I am aware of… Seabird biologists say seabirds are indicators of the health of the ecosystem. Now they’re dying and that is telling us something… this is bigger than I’ve ever seen.”

APRN, Jan 28, 2016: Scientists say murre die-off comparable to Exxon Valdez spill… Heather Renner with USFWS says it is already one of the largest die-offs in history and, unlike when the tanker went aground, not many people have gone out to remote beaches to survey for dead seabirds… “there’s dead murres on the ground everywhere, and it’s hard not to notice them.”

http://www.economist.com/news/united-states/21689605-thousands-seabirds-are-washing-up-dead-alaskas-shores-murre-mystery
The Economist, Jan 30, 2016: [Probably hundreds] of thousands of these birds have drifted in dead… last summer they failed to raise chicks. And they have been dying in large numbers along the Pacific coast, from California to Alaska… “Whole systems are out of whack,” says Heather Renner… Old-timers in Homer have never experienced anything like this. And they are perplexed by a host of other freakish phenomena…

KTOO, Jan 28, 2016: “[T]here’s dead murres on the ground everywhere, and it’s hard not to notice them.”… The reason for the dead birds is still a mystery… “I think it suggests something more related to the food web structure,” said Renner.

http://homertribune.com/2016/01/murre-deaths-lead-to-more-questions/
Homer Tribune, Jan 2016: Irons found an estimated 7,800 dead murres on a one-mile stretch of beach… he had never seen anything like that. Similar reports came in from other areas… “The really frustrating question of why they are starving to death”… said Heather Renner… [M]urres abandoned their breeding attempts mid-season at many colonies in the Gulf of Alaska, something very uncommon.

http://news.discovery.com/animals/massive-bird-die-off-puzzles-alaska-scientists-1602031.htm

LiveScience, Feb 3, 2016: Massive Bird Die-Off Puzzles Alaska Scientists — Dead common murres have washed ashore in Alaska in alarming numbers … leaving scientists concerned and confused… [The birds] have nothing in their stomachs… [S]imilar events affected seabird populations in Washington, Oregon and California.

http://www.cbc.ca/news/canada/north/alaskan-scientist-thinks-murre-die-off-related-to-algal-blooms-1.3424246

CBC News, Jan 28, 2016: Bruce Wright, a senior scientist Aleutian Pribilof Islands Association… estimates up to 200,000 Alaskan murres could die. With a population he puts at more than two million, Wright said the species should recover, as long as the food base comes back.

http://www.nytimes.com/2016/01/19/science/what-does-it-mean-when-animals-suffer-a-vast-die-off.html
New York Times, Jan 18, 2016: Animals Die in Large Numbers, and Researchers Scratch Their Heads… The latest victims are common murres… this die-off has surprised experts, because it has been going on for around a year and it covers such a vast area… “I still don’t think we’ve seen the worst,” said [John F. Piatt, USGS seabird expert], who… speculated that if the worst happened, the deaths could reach into the many hundreds of thousands.

Watch CNN’s broadcast here:
http://edition.cnn.com/2016/01/21/us/alaska-bird-die-off/

ENENews: “Unprecedented emergency statewide fishing closures enacted in Pacific Northwest — “We’ve never had to do anything like this” It has begun. It was only a matter of time. Both Chernobyl and Fukushima shows it takes about four years to be visible in the wildlife.


It has begun. It was only a matter of time. Both Chernobyl and Fukushima shows it takes about four years to be visible in the wildlife. Chernobyl was bad enough, but Fukushima has never ended. Shows you what we are in store for in the future. Slow death by Fukushima! The news media will not risk an all out panic by the masses, they will continue to lie to you, while you poison yourselves to death with radioactive foods. Now for the story, but don’t expect mainstream media to tell you the truth:

Unprecedented emergency statewide fishing closures enacted in Pacific Northwest — “We’ve never had to do anything like this” — “Very alarming” mass die-offs linked to disease outbreak — Nearly 100% infection rate in some areas — Rotting gills, distended bellies — NOAA: It’s a ‘head scratcher’ (VIDEOS)
Published: July 17th, 2015 at 2:26 pm ET
By ENENews
http://enenews.com/emergency-statewide-fishing-closures-pacific-northwest-unprecedented-weve-never-anything-like-before-disease-causing-very-alarming-mass-die-100-infection-rate-areas-rotting-gills-distended?utm_source=feedburner&utm_medium=feed&utm_campaign=Feed%3A+ENENews+%28Energy+News%29

KTVZ, Jul 16, 2015 (emphasis added): Restricting fishing in Oregon streams and rivers for the first time ever… Oregon Department of Fish & Wildlife announced it’s taking drastic measures… they’ve never had to do this before… ODFW: “We’re starting to see fish kills in more places than we typically do. This is a pretty extreme set of conditions.”
http://www.ktvz.com/news/odfw-curbs-fishing-statewide-due-to-warm-low-water/34203106

Statesman Journal, Jul 16, 2015: [ODFW is taking] an unprecedented step… The move comes on the heels of multiple fish die-offs… “We’ve never had to do anything like this before — we’re in new territory,” said [ODFW’s] Bruce McIntosh.
http://www.statesmanjournal.com/story/news/2015/07/16/afternoon-fishing-shut-oregon-rivers/30253113/

Mail Tribune (Oregon), Jul 16, 2015: Emergency fishing closures go statewide
http://www.nbcrightnow.com/story/29568685/drought-conditions-prompt-fishing-closures-restrictions-on-numerous-rivers


Spokesman Review, Jul 17, 2015: Washington Fish and Wildlife Department officials are enacting fishing restrictions involving 38 rivers… emergency rules take effect on Saturday.
http://www.spokesman.com/stories/2015/jul/17/drought-prompts-fishing-limits-on-38-rivers-in/

AP, Jul 9, 2015: Fisheries biologist Rod French said [dead salmon] appeared to have been infected with a gill rot disease

http://bigstory.ap.org/article/d8eda6ab68f54cc8b35080ca1eac61c4/stress-heat-drought-fish-spurs-push-reduce-kills

The Oregonian, Jul 10, 2015: Scores of dead salmon are washing ashore… mortality rates are rapidly rising for juvenile fish near John Day Dam… [French] said it appears the fish are dying from a bacterial infection… “It’s very alarming that we’re seeing them this early,” he said… [Paul Wagner, NOAA fisheries biologist] called it a head scratcher. The die-offs seem to be associated with disease, he said.
http://www.oregonlive.com/environment/index.ssf/2015/07/deschutes_salmon_deaths_add_to.html

Siskiyou Daily (Calif.), May 19, 2015: Klamath Fish Health Assessment Team has raised its level of alert… due to an increased detection of a deadly disease…. Chinook salmon tested in two reaches of the Klamath River… reached a 100-percent prevalence of infection [for] one of the deadliest salmon diseases… [Juveniles] have been found with… distended bellies, pale-colored gill and gill erosion… [N]ear the Scott and Klamath rivers confluence… 86 out of 120 showing distended bellies and 87 out of 114 showing pale gills…
http://www.siskiyoudaily.com/article/20150519/NEWS/150519690

OPB, Jun 9, 2015: More than half of the 3-inch long Chinook in the [Klamath River] trap are either dead or showing signs of a serious parasitic infection… nearly 100 percent of Chinook caught in this fish trap in early May were infected.

(chinook all have bacterial infections that will kill them all)
http://earthfix.info/news/article/salmon-killing-parasite/

KATU (Portland), Jul 10, 2015: Salmon and trout, even sturgeon, are dying like never before… on the Deschutes, Santiam, Mackenzie, Clackamas, and other rivers.

KGW (Portland), Jul 7, 2015: It just seems like it’s getting worse… the issue certainly hasn’t improved since we reported on it 2 weeks ago… Chinook salmon, even some sturgeon, continue to wash up… Several fishermen I spoke with down here today, well they’re worried… Pretty much everywhere you look… dead fish… Starting last month, Chinook salmon began washing up… far short of their spawning grounds… It’s all the talk among local fisherman, “I’ve lived here about 25 years, and I’m an avid fishermen. I’ve never seen any fish like this on the bank as much as I’ve seen this year.”
http://www.kgw.com/videos/news/local/2015/07/07/dead-chinook-salmon-continue-to-wash-up/29845937/

KOIN (Portland), Jun 19, 2015: Is this a really big concern right now? Very much so… “I’ve never seen it like that before“… The Chinook are on their way back from the ocean… Fishermen are coming up empty and are worried.
http://koin.com/2015/06/19/warm-water-leads-to-chinook-salmon-deaths/

KGW, Jun 22, 2015: A startling site… Chinook salmon dying in the rivers… Biologists counted more than 100 on just a 3 mile stretch… We came down here this morning expecting to find 1, maybe 2, dead Chinook salmon. Boy, were we wrong — you can find them about every 20 yards… one after another… Have you ever seen that before? “Never, ever, ever, ever.” Jeannie Brooks has been fishing [here] with her dad for decades, never before had she seen this… “I looked all the way down and thought, what are all these dead fish doing here?”
http://www.kgw.com/videos/news/local/2015/06/22/warm-river-temps-blamed-for-salmon-deaths/29141261/

KPTV (Oregon), Jun 19, 2015: One after another… “I never saw a dead fish, ever, here.”
http://www.kptv.com/story/29364356/warmer-temps-leading-to-dead-salmon-along-willamette-clackamas-rivers

KGW, Jul 9, 2015: [A diver] told us what he’s been seeing under the surface… there are salmon sitting dead in spots on the Clakamas River bottom… littered here and there.
http://www.kgw.com/story/news/2015/07/09/salmon-warm-water-drought-fish-death/29908103/

Watch: KTVZ | KATU | KGW | KOIN | KGW| KPTV | KGW