A Web Dezine http://awebdezine.com/ Thu, 29 Sep 2022 19:44:29 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://awebdezine.com/wp-content/uploads/2021/05/a-web-dezine-icon-150x150.png A Web Dezine http://awebdezine.com/ 32 32 Mansion Global Daily: Mortgage rates weigh on home sales, US homeowners’ net worth jumps 25.3%, and more https://awebdezine.com/mansion-global-daily-mortgage-rates-weigh-on-home-sales-us-homeowners-net-worth-jumps-25-3-and-more/ Thu, 29 Sep 2022 18:53:47 +0000 https://awebdezine.com/mansion-global-daily-mortgage-rates-weigh-on-home-sales-us-homeowners-net-worth-jumps-25-3-and-more/

Australian household wealth has taken a hit due to the slowdown in the housing market

Australian households lost a total of A$484 billion ($314 billion) in wealth during the second quarter due to falling house prices, according to the latest data from the Australian Bureau of Statistics. “This is the first quarterly decline in household wealth since the start of the pandemic and coincides with mounting pressures on the cost of living and rising interest rates,” the chief said Thursday. from the office, Katherine Keenan. Average wealth per person fell by A$20,151, or 3.3%, to A$553,954 at the end of the June quarter, in which residential property prices fell for the first time in two years. real estate.com.au

£1.6million house in Cornwall, England, with sea views

Bojowan, a charming house in Cornwall in the South West of England which has sea views and a sandy beach is on the market with a list price of £1.6m (£1.77m). U.S. dollars). Situated on an elevated plot, the home features five bedrooms, an open-plan dining room and kitchen, and a living room with five-panel windows and patio doors that open onto a wrap-around deck. “This is a lovely home in a stunning location, perfect as a permanent home or a wonderful vacation home with a thriving Airbnb business underway,” said listing agent Sean Anderson of Savills. country life

US homeowners’ net worth jumped 25.3% in the second quarter

The average homeowner’s net worth per borrower in the United States reached $298,380 in the second quarter, a jump of 25.3% from the same period last year, according to data from CoreLogic. That translates to a $3.6 trillion gain for homeowners with mortgages, who make up about 63% of all homes, the real estate news firm said. Compared to the first three months of the year, average homeowners’ net worth rose 6.6%, a slower pace than the quarterly gain at the end of March. “Slower house price growth will slow gains in home equity,” said Molly Boesel, economist at CoreLogic. msn

‘Jersey Boys’ manager sells Connecticut home for $6.5 million

Broadway musical director Des McAnuff and his wife, Bryna McCann, have sold their Weston, Connecticut home for $6.5 million, the highest price in the area in 17 years. Mr McAnuff won two Tony Awards for directing ‘Big River’ in 1985 and ‘The Who’s Tommy’ in 1993, and was nominated again in 2006 for ‘Jersey Boys’. He bought the 15-acre lot in 2011 and had a house built in 2013. It has 8,500 square feet of living space with four bedrooms and three bathrooms. The real deal

Engel & Völkers Realtor®, Carolina Conner, Obtains Broker License https://awebdezine.com/engel-volkers-realtor-carolina-conner-obtains-broker-license/ Wed, 28 Sep 2022 07:00:00 +0000 https://awebdezine.com/engel-volkers-realtor-carolina-conner-obtains-broker-license/ Madeira Beach, Fla., Sept. 28, 2022 — (PR.com) — Carolina Conner, AHWD, MRP, CIPS, C2EX, RENE, SFR, Luxury Real Estate Advisor at Engel & Völkers Madeira Beach, who was ranked Top Workplace for four consecutive years by the Tampa Bay Times, recently obtained his broker’s license. To do this, real estate agents must have been registered as an active sales associate for at least 24 months in the previous 5 years with one or more brokers; have held a valid Real Estate Sales Associate’s License for at least 24 months within the preceding 5 years serving a government agency for compensation and performing the duties permitted in Section 475, FS; or has held a current and valid real estate broker’s license for at least 24 months within the preceding 5 years in any other state, territory or jurisdiction of the United States, or in any foreign national jurisdiction. In addition to other items, they must also complete a 72-hour FREC-approved pre-licensing course for brokers, submit an application and application fee and state fingerprinting, and then pass and pass. the Florida Realtor Exam with a score of 75 or higher. After receiving and activating their license, they must then complete a Florida Real Estate Commission-approved 60-hour post-licensing course for brokers before their initial broker license expires.

Ms. Conner is a resident of Madeira Beach, Florida and a seasoned activist supporting different local non-profit organizations and councils such as the Pinellas County Hispanic Chamber of Commerce, Latino Professionals Association for America (ALPFA ), and is currently a director of the board of the Pinellas Realtor® organization and the Central Pasco Realtor organization. In this capacity, she also sits on the board of directors of Florida Realtor. She is the wife of a retired US military veteran, Jason Conner, who is a licensed FL Realtor® with Engel & Völkers Madeira Beach located at 14225 Gulf Blvd, Madeira Beach, FL.

“Carolina’s drive, determination and desire to continually expand her experiences as a Realtor® is truly admirable. Providing such service to the community requires continuous growth, especially when it comes to pursuing your studies and keeping you up to date with real estate laws and regulations. At Engel & Völkers, we support this type of growth and encourage all of our real estate advisors to continue to grow and provide exceptional service to our communities,” says Cherie Pattishall, broker and licensing partner for Engel & Völkers Madeira Beach and Engel & Völkers South Tampa.

To find out more about Engel & Völkers Madeira Beach and its team of advisors, visit www.madeirabeach.evrealestate.com.

About Engel & Völkers

Engel & Völkers stores in the Tampa Bay area have been named one of the best places to work four years in a row by the Tampa Bay Times. Engel & Völkers is one of the world’s leading service companies specializing in the brokerage of high-end residential properties, commercial real estate and yachts. Engel & Völkers offers private and institutional clients a range of professionally tailored services. To learn more about Engel & Völkers South Tampa and its team of advisors, visit www.southtampa.evrealestate.com. To find out more about Engel & Völkers Madeira Beach and its team of advisors, visit www.madeirabeach.evrealestate.com.

Strange bedfellows call on CFPB to enact broader participation rule for personal loans https://awebdezine.com/strange-bedfellows-call-on-cfpb-to-enact-broader-participation-rule-for-personal-loans/ Tue, 27 Sep 2022 19:17:38 +0000 https://awebdezine.com/strange-bedfellows-call-on-cfpb-to-enact-broader-participation-rule-for-personal-loans/

The Center for Responsible Lending (CRL) and the Consumer Bankers Association (CBA) have filed a joint petition with the CFPB that urges the Bureau to engage in developing rules to define the biggest players in the personal loan market. In February 2022, the CFPB established a new procedure for members of the public to submit petitions for rulemaking (including changes to or repeals of existing rules). The petition has been registered by the CFPB. Under the new CFPB procedure, registered requests will receive a final response from the CFPB. (The ABC previously sent a letter in October 2021 to incoming director Chopra in which it urged the CFPB to adopt a broader participation rule for fintech consumer lenders.)

In their petition, CRL and CBA describe the consumer credit market as consisting of five segments: mortgages (including home equity loans and HELOCs), credit cards, auto loans, students and “other personal loans”. They describe the category of “other personal loans” as encompassing three types of loans which may be secured (other than by real estate interest) or unsecured: short-term installment loans (generally lasting from three months to year), longer-term loans and revolving lines of credit. Secured loans in this category include loans intended to finance the purchase of durable goods (such as a household appliance or mobile home) and loans backed by security over an existing asset of the borrower (such as a vehicle).

CRL and CBA note that in 2015, the Bureau announced in its regulatory agenda that it planned to develop a proposed rule to define large non-bank participants in the personal loan market, including installment loans. consumer and vehicle title loans, and reported in its Spring 2017 Regulatory Agenda report that it was working on such a rule. However, as they also note, the Bureau under former acting director Mulvaney reclassified rulemaking as inactive in its spring 2018 regulatory agenda and has not spoken on the matter since.

Reasons set out in the petition why the Bureau should resume rulemaking for larger participants include:

  • A rapidly growing personal installment loan market, particularly as a result of changes in state law that effectively ban payday loans;
  • A significant portion of consumers who use other personal loans, especially consumers who obtain such loans from non-bank institutions, tend to be economically vulnerable consumers who cannot obtain credit through credit cards or HELOCs. , have exhausted their available credit or have incurred such debt that they need to refinance a credit card or HELOC;
  • Substantial growth in fintech targeting the subprime market and offering loans that consumers are struggling to repay;
  • The current regulatory regime creates an uneven playing field with CFPB-supervised banks and a significant risk that consumer protection issues affecting vulnerable consumers will go undetected; and
  • Risk-based supervision, because of the need for firm-specific findings, is not an adequate substitute for a higher participation rule in a market with a substantial number of significant participants.

In their petition, CRL and CBA recommend that the personal loan market be defined as follows:

Creation or management of closed or open lines of credit payable in installments and provided to consumers for personal, family, or household purposes other than loans secured by real estate, loans for post-secondary education as defined in 12 CFR 1090.106 (a), or automobile purchase or refinance loans as defined in 12 CFR 1090.108(a).

Regarding their recommendation that the Bureau cover both closed installment loans and open lines of credit, CRL and CBA state that “there is an ongoing debate as to whether [buy-now-pay-later (BNPL)] the loans are fixed principal loans or variable principal lines of credit” and state that “[g]Consolidating closed and open loans in the definition of a single market for personal loans will avoid potential inconsistencies with regard to the supervision of the Office and avoid potential uncertainties with regard to the coverage of BNPL loans.

Regarding their recommendation that the market be defined to cover both the origination and servicing of personal loans, CRL and CBA point to bank/fintech partnerships. Calling “questionable” the assertion that the bank in such partnerships is the true lender, they argue that it is clear that the non-bank partner is a covered person providing a consumer financial product or service in its role as loan manager. According to CRL and CBA, defining the market to cover services and origination “will ensure that these noncustodial fintechs, if large enough to meet the higher participation threshold, are subject to Bureau oversight at least relates to its service activities, including its billing activities, collection and provision of data to consumer reporting agencies. »

In August 2022, eight national trade groups filed a petition with the CFPB that urged the Bureau to engage in developing rules to define the largest participants in the data aggregation services market.

Vornado Realty Trust (NYSE:VNO) Sets New 52-Week Low on Analyst Downgrade https://awebdezine.com/vornado-realty-trust-nysevno-sets-new-52-week-low-on-analyst-downgrade/ Tue, 27 Sep 2022 15:19:37 +0000 https://awebdezine.com/vornado-realty-trust-nysevno-sets-new-52-week-low-on-analyst-downgrade/

Vornado Real Estate Trust (NYSE: VNO – Get a rating) hit a new 52-week low on Tuesday after Evercore ISI lowered its price target on the stock from $34.00 to $31.00. The company traded as low as $23.04 and last traded at $23.25, with a volume of 26,750 shares traded in hands. The stock had previously closed at $23.33.

A number of other research companies have also recently commented on VNO. Deutsche Bank Aktiengesellschaft cut its price target on Vornado Realty Trust from $44.00 to $33.00 in a Wednesday, July 20 report. BMO Capital Markets downgraded Vornado Realty Trust’s rating from an “outperform” rating to a “market performance” rating and reduced its target price for the stock from $52.00 to $40.00 in a report for Tuesday 31 May. Truist Financial cut its price target on Vornado Realty Trust from $34.00 to $33.00 and set a “buy” rating on the stock in a Wednesday, September 14 report. Mizuho cut its price target on Vornado Realty Trust from $32.00 to $30.00 and gave the stock an “underperforming” rating in a Wednesday, August 24, report. To finish, StockNews.com downgraded Vornado Realty Trust from a “hold” rating to a “sell” rating in a Thursday, September 1 report. Four equity research analysts gave the stock a sell rating, three gave the company a hold rating and one gave the company a buy rating. According to MarketBeat.com, the company currently has an average rating of “Hold” and a consensus price target of $32.38.

Hedge funds weigh on Vornado Realty Trust

Several hedge funds have recently changed their holdings in VNO. Invesco Ltd. increased its position in Vornado Realty Trust shares by 3.6% during the fourth quarter. Invesco Ltd. now owns 2,472,681 shares of the real estate investment trust valued at $103,505,000 after purchasing an additional 87,057 shares during the period. Schroder Investment Management Group increased its holdings of Vornado Realty Trust shares by 3.4% in the fourth quarter. Schroder Investment Management Group now owns 76,882 shares of the real estate investment trust worth $3,218,000 after acquiring 2,532 additional shares in the last quarter. Gotham Asset Management LLC acquired a new stock position in Vornado Realty Trust in Q4 worth $571,000. Rockefeller Capital Management LP increased its holdings of Vornado Realty Trust shares by 177.8% in Q4. Rockefeller Capital Management LP now owns 15,285 shares of the real estate investment trust worth $639,000 after acquiring 9,783 additional shares in the last quarter. Finally, Nissay Asset Management Corp Japan ADV increased its stake in Vornado Realty Trust shares by 3.3% in the fourth quarter. Nissay Asset Management Corp Japan ADV now owns 33,905 shares of the real estate investment trust worth $1,419,000 after acquiring 1,085 additional shares in the last quarter. 74.67% of the shares are currently held by institutional investors and hedge funds.

Vornado Realty Trust shares fall 0.7%

The company has a current ratio of 5.13, a quick ratio of 5.13 and a debt ratio of 1.53. The company has a market capitalization of $4.44 billion, a price-earnings ratio of 35.35 and a beta of 1.29. The stock has a fifty-day moving average of $27.92 and a 200-day moving average of $33.48.

Vornado Real Estate Trust (NYSE: VNO – Get a rating) last released its results on Monday, August 1. The real estate investment trust reported earnings per share (EPS) of $0.19 for the quarter, missing analyst consensus estimates of $0.79 per ($0.60). The company posted revenue of $453.49 million in the quarter, compared to analyst estimates of $430.43 million. Vornado Realty Trust had a return on equity of 3.07% and a net margin of 11.52%. The company’s revenues increased by 19.7% compared to the same quarter last year. In the same quarter a year earlier, the company earned earnings per share of $0.69. As a group, sell-side analysts expect Vornado Realty Trust to post 3.1 EPS for the current year.

Vornado Realty Trust Dividend Announcement

The company also recently announced a quarterly dividend, which was paid on Friday, August 19. Shareholders of record on Monday August 8 received a dividend of $0.53. The ex-dividend date was Friday August 5th. This represents an annualized dividend of $2.12 and a dividend yield of 9.15%. Vornado Realty Trust’s dividend payout ratio (DPR) is currently 321.22%.

About Vornado Realty Trust

(Get a rating)

Vornado’s portfolio is focused on the country’s key market, New York, as well as core assets in Chicago and San Francisco. Vornado is also the real estate industry leader in sustainability policy. The company owns and manages over 23 million square feet of LEED-certified buildings and was awarded Energy Star Partner of the Year, Sustained Excellence 2019.

See also

This instant alert was powered by MarketBeat’s narrative science technology and financial data to provide readers with the fastest and most accurate reports. This story was reviewed by MarketBeat’s editorial team prior to publication. Please send questions or comments about this story to contact@marketbeat.com.

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Sherri Papini sentenced to 18 months in prison by the courts https://awebdezine.com/sherri-papini-sentenced-to-18-months-in-prison-by-the-courts/ Mon, 26 Sep 2022 02:00:00 +0000 https://awebdezine.com/sherri-papini-sentenced-to-18-months-in-prison-by-the-courts/


Editorials and other opinion content provide viewpoints on issues important to our community and are independent of the work of our newsroom reporters.

Sherri Papini arrives in court with her lawyer William Portanova on Monday, September 19, 2022 for her sentencing.  Papini, the Redding-area woman who became a national sensation after faking her own kidnapping in 2016, was sentenced by U.S. District Judge William B. Shubb to 18 months in prison for orchestrating the prank.

Sherri Papini arrives in court with her lawyer William Portanova on Monday, September 19, 2022 for her sentencing. Papini, the Redding-area woman who became a national sensation after faking her own kidnapping in 2016, was sentenced by U.S. District Judge William B. Shubb to 18 months in prison for orchestrating the prank.


We first send Bee Opinionated to newsletter subscribers. Get it in your inbox before it goes live: Subscribe here.

Hi again from Robin Epley at The Sacramento Bee Editorial Board. It’s almost election day again, are you ready?

Your favorite local editorial board has been busy, talking to contestants and gauging promoters for nearly every race on the slate this November 8and we began rolling out our endorsements before mail-in ballots were mailed to homes statewide.

Here are some of the recommendations we’ve made so far:

For Rocklin City Council: Dave Bass is a mild-mannered military veteran and lawyer who has defended abused elders and wildfire victims. So there is Matthew OlivierControversy Placer County preacher and restaurateur who defied public health measures during the pandemic. When The Sacramento Bee’s editorial board met with both candidates recently, Oliver made clear his general contempt for politicians – a curious stance given he’s running for office. He also followed up Bass’ closing statement by repeatedly writing “lol” in the chat feature.

For Sacramento City Council North Natomas headquarters: “Long duration Natomas school board member and lawyer Lisa Kaplan, the top voter in the primary, has decades of relevant experience as an elected official overseeing a public budget. In an interview with the editorial board of The Bee, she has demonstrated an indisputable advantage when it comes to her mastery of the issues facing Sacramento. In a second round against the real estate agent Alyssa LozanoKaplan is the obvious choice for the job.

For the California Equalization Board, 1st District: “The seat representing the council’s 1st district, which includes Sacramento, Modesto and Fresnois owned by Hills of El Dorado Republican Ted Sheath, a former state senator who failed to gain traction as a candidate for gubernatorial recall last year. His upstart opponent is a Democrat Jose Altamiranoa manager at California State Indemnity Insurance Fund who sat on municipal commissions in West Sacramento… Unlike his opponent, who declined to meet with the editorial board, Altamirano was ready to answer questions about why he is the best candidate for the job – and we think he is.

Read about these endorsements and everything to come, leading up to Election Day on The Bee’s election website.

“So much dishonor before you”

Sherri Papinithe Shasta County ‘super mom’ who falsely claimed she was kidnapped in 2016 by two Latinas who ‘tortured’ her with loud music was convicted this week, and Metro Columnist Melinda Henneberger was in the courtroom when it finally happened.

Henneberger argued that Papini was lucky to live in California, “where the public is less bloodthirsty than in some other parts of the country.”

“It is not without consequence that (Papini) has contributed to the cynicism of generous people and given those who never believe anyone anyway one more reason not to care”, she wrote. “Here’s a sentence I don’t get to say so often, in a world where so many bad people are incarcerated: I agreed with the judge.”

Papini was sentenced to 18 months in prison.

Review of the week

“No, nein, no, nyet – and in 22 other languages.” — Jack Ohman on Governor Gavin Newsom denial in as many languages ​​as it takes to protest that he is not running for president in 2024…or at least, to protest the timing of his announcement.

You have any ideas ? What would you like to see each week in this newsletter? Got a story tip or opinion to tell the world? Let us know what you think of this email and our work in general by emailing us anytime via opinion@sacbee.com.

Hope you stay positive and test negative,

Robin Epley

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Robin Epley is an opinion writer for The Sacramento Bee, with a focus on Sacramento County politics. She was born and raised in Sacramento, was a member of the Pulitzer Prize-winning Chico Enterprise-Record team for Campfire Coverage, and graduated from Chico State.

Footman cashes in as a real estate agent – The Famuan https://awebdezine.com/footman-cashes-in-as-a-real-estate-agent-the-famuan/ Sat, 24 Sep 2022 17:23:24 +0000 https://awebdezine.com/footman-cashes-in-as-a-real-estate-agent-the-famuan/
SJGC 2022 graduate, Kyle Footman. Photo courtesy: footman

Kyle Footman, a 25-year-old Tallahassee native and recent Florida A&M University graduate, is making his mark in the city’s real estate industry.

Footman, a public relations specialist, has always had a penchant for entrepreneurship.

Footman remembers working long days alongside his father in the sweltering heat of Tallahassee, laying concrete for the family business.

“When I started working for my father, I was very young and I knew that I didn’t want to do any concrete work. I did it mostly in the summer, so it’s very laborious work. It’s not me,” Footman said. “I was starting to pay attention to my surroundings and I was seeing builders and real estate agents coming to my job site, pulling out nice cars wearing nice clothes. As I got older I started to research and found that they worked smarter, not harder.

Driven by a “work smarter, not harder” mentality, Footman began his real estate journey by taking courses.

Passing the course with flying colors, Footman had to pass the real estate licensing exams in Florida. With little to no nerves, he passed the exams and was defeated, scoring just a 60.

“When I failed, I kinda said, ‘I’m done with real estate.’ It wasn’t until my mom reminded me that I wasn’t one to quit,” Footman said.

He began to study rigorously. As a result, Footman was able to successfully obtain his state license.

Hitting the ground running, Footman has already sold several million dollars worth of homes in his five years in practice.

A Tallahassee house that Footman recently sold. Photo courtesy: footman

Working tirelessly in the Tallahassee area, it’s no surprise that Footman was named one of the top 15% sellers by real estate search portal platform Homesnap.

“Winning this award, I was very happy because for me, I’m just working,” Footman said. “I just do the work. I seek no reward. I’m not looking for trophies. So when I get recognition, it’s like, “Oh, that’s good.” People recognize the work I do.

It’s no surprise that Footman has received great reviews from its customers.

“Kyle was detail oriented and was always prepared and one step ahead. Not once did we have a problem reaching Kyle. He was always available and answered us as soon as possible. I can’t recommend Kyle highly enough. He is committed to giving us the best experience, and I am so grateful for all his hard work,” Yessica Golemme wrote.

Without wanting to slow down, Footman aims for new heights.

“The world is mine,” he said. “In the next few years, I want to have my own brokerage in Tallahassee. Black-owned brokerages are rare in the city, but I want to change that. After that I want to open one in big cities like Atlanta and maybe Houston.

Arizona Ghost Town’s Renovated Museum Hits the Market for $1 Million https://awebdezine.com/arizona-ghost-towns-renovated-museum-hits-the-market-for-1-million/ Sat, 24 Sep 2022 13:00:00 +0000 https://awebdezine.com/arizona-ghost-towns-renovated-museum-hits-the-market-for-1-million/

A photographic illustration of the Arizona Ghost Town Museum in Pearce, Arizona (Getty Images, Facebook/oldpearcepottery)

For the Old West-obsessed buyer, a rare opportunity to own a slice of history is on the market for $1.1 million in Pearce, Arizona.

Patricia Burris is selling the 127-year-old ghost town general store known as the Arizona Ghost Town Museum after converting it into a one-bedroom house, Reported Insider.

Burris and her husband Michael, a historian, bought the general store at 905 South Ghost Town Trail in 1996. The 3,882-square-foot building, originally built in 1895, has just one bedroom and two bathrooms and a half, according to Realtor.com.

It was his dream to restore the property, and after his passing, Burris spent three years working with local artisans and completed the renovation in 2019, according to the outlet. The Burris Ghost Town Museum comes complete with working vintage appliances from the era and antique horse-drawn carriages in the garage.

The listing price is more than five times the median listing price of $215.00 for homes in Pearce, a small residential market of less than 2,000 people. But other properties in town lack a working blacksmith shop and designation on the National Register of Historic Places.

While million-dollar homes aren’t the norm for the small ghost town, out-of-state buyers have spurred record growth in the luxury residential market elsewhere in Arizona. The most expensive listing in the entire state is an unbuilt mansion asking for $32 million in a gated community in Scottsdale.

A four-bedroom home that sold for $21 million in April set a new sales record for Phoenix’s wealthy suburb of Paradise Valley. The final price was $1.5 million under the request.

Alicia Keys and Swizz Beats sold their Phoenix mansion at a loss last August. The couple bought the four-bedroom home for $3.9 million in 2008 and sold it for $3.1 million.

–– Kate Hinsche

How Students Can Spend Less and Save More | Ask the Experts https://awebdezine.com/how-students-can-spend-less-and-save-more-ask-the-experts/ Sat, 24 Sep 2022 03:09:00 +0000 https://awebdezine.com/how-students-can-spend-less-and-save-more-ask-the-experts/

Going to college is exciting. In fact, many people describe their undergraduate years as the best four years of their life. However, for some, it is also a difficult time financially. Even if you are able to hold a full-time or part-time job, you still have to pay for books, tuition, housing, and more. Fortunately, however, there are plenty of strategies students can use to spend less and maybe even save a little too.

Don’t pay for things you don’t need

They say nothing is free in this world, but that’s not necessarily true. In fact, if you’re a student, there’s actually quite a bit you can get for free. And, if you are struggling financially, it is certainly wise to take advantage of these things. Whenever you buy something, always ask if there is a student discount and be prepared to show your student ID. You’ll often get discounted prices on everything from movie tickets to car insurance. Plus, there are plenty of things you could enjoy for free, such as:

Feel free to ask other students about free offers in your area or do a little research on your own. You will probably be surprised at the free and discounted products and services you are missing.

Ignore brand new textbooks

The exorbitant prices of textbooks have long been a major scourge for students. But, thankfully, many colleges are ditching textbooks or at least reducing their reliance on them. If you’re not sure where your school stands, at least wait until you buy your textbook after the first day of class. Your teacher might just tell you that textbooks aren’t strictly necessary. And, if they are, there are still ways to save. You can often buy used textbooks online or at a retail outlet for a fraction of the price. There are also services that offer textbook rental. Also, your college bookstore or other area stores might be willing to buy back your lightly used textbooks. So, if you are forced to shell out the full price, take care of those manuals so you can benefit from them later.

Consider a loan

While these money saving tips can certainly be helpful, they may not be enough for all students. If this applies to you, there are other options available, including a loan. In fact, if you own a car, you may qualify for a car title loan. These loans allow you to use your vehicle as collateral and usually provide quick financing when you need it most. If this sounds good to you, just do a quick search for car title loans near me. You can also research other types of loans, including those specifically for students and tuition.

If you’re struggling to make ends meet as a student, know that you’re not alone. But, at the same time, do your part to improve your financial situation. Also, if you manage to save some money, at least put some aside for a rainy day or just for the future in general. After all, the sooner you start saving, the sooner you can start down the road to financial security.

Mother settles lawsuit over Texas arrest caught on video https://awebdezine.com/mother-settles-lawsuit-over-texas-arrest-caught-on-video/ Fri, 23 Sep 2022 22:28:56 +0000 https://awebdezine.com/mother-settles-lawsuit-over-texas-arrest-caught-on-video/

FILE – In this image obtained from body camera footage of Fort Worth Police Officer William Martin on Dec. 21, 2016, Martin holds the daughter of Jacqueline Craig in Fort Worth, Texas. The city of Texas has settled a federal civil rights lawsuit filed by Craig, a black mother, after she and her daughter were thrown to the ground and arrested by Martin, a white police officer, following an argument with a neighbor. The city has agreed to settle the lawsuit for $150,000, the Fort Worth Star-Telegram reported Friday, Sept. 23, 2022. (Fort Worth Police Department via AP, File)

FORT WORTH, Texas (AP) — A town in Texas has settled a federal civil rights lawsuit filed by a black mother after she and her daughter were thrown to the ground and arrested by a white police officer following a an argument with a neighbor.

Jacqueline Craig and one of her daughters were knocked to the ground and pointed at by a Fort Worth officer, William Martin, in December 2016. Another of Craig’s daughters, who filmed the incident on her cell phone, was also arrested.

Charges against all three were later dropped. Martin served a 10-day suspension for violating departmental policies.

The city has agreed to settle the lawsuit for $150,000, the Fort Worth Star-Telegram reported Friday. The by-law is pending approval by City Council.

Understand the current property market in Newmarket https://awebdezine.com/understand-the-current-property-market-in-newmarket/ Fri, 23 Sep 2022 16:08:09 +0000 https://awebdezine.com/understand-the-current-property-market-in-newmarket/

Buying a home anytime is a huge undertaking. It takes a lot of preparation, time and access to expertise.

Homeowners – and those wishing to become one for the first time – are having an even tougher time right now, with conditions seemingly changing from month to month.

REALTOR® Dave Starr specializes in buying and selling homes in and around Newmarket. With over 35 years of experience in the real estate industry, he is happy to share what he has learned with others.

slow things down

So how would he describe the current state of the market in Newmarket? “It’s finally more normal and realistic,” he says. “A potential buyer has a bit more leeway to make sure their financing is in place and they can also consider a home inspection.”

A seller will benefit from working with a more experienced agent, he says, because they already have previous experience in similar markets. He compares the situation to a professional athlete who has already made the playoffs or competed in a high-profile event like the Masters of golf.

Earlier in the year, the market was unrealistic.

This tended to leave buyers, sellers and agents scrambling. “The end result can be a situation of buyer’s remorse, where the buyer no longer wants to complete their purchase. Banks sometimes struggle with appraisals, which can also lead to a no-close,” he says “In the rapidly changing market that took place earlier, some agents potentially made more mistakes, especially since they weren’t experienced enough to handle multiple deals.”

Home inspections and interest rates

While some homes don’t require an inspection, there are plenty that definitely do. “In an extremely busy market, buyers could potentially end up with an unwanted surprise, at great expense,” says the real estate agent.

He likens it to the need to have speed limits on our roads. The faster you go, the more likely you are to have an accident.

“We are now facing an increase in mortgage rates, which many would not like to see, but the truth is that it will help balance the market as a whole. Lower interest rates were basically one of the reasons for house price inflation and landlords were just taking on bigger mortgages than ever,” he says.

For years, many landlords told him the same thing: that mortgage money was cheap for them. His response to this never varied: “You know you’ll have to pay it back at some point.” If the rate was guaranteed for life, that would be a different story, but of course that’s not how it works.

The market during the summer was slower but typical; this has become the norm in recent years.

The fall market is already starting to pick up, with increased activity, although the number of listings at Newmarket is quite low. The rental offer is both quite expensive and in short supply.

According to Starr, “The market going forward should remain stable. Buyers and sellers will have more time to make the best decision based on their needs and wants. »

Whether you are a buyer or a seller, he welcomes all calls or emails.

Let Dave Starr Real Estate help you take your next step. Call 416-520-3231 and get the Starr treatment you deserve.