http://ift.tt/2svVDQU
Why do the cars get all the nice wide roads? They should learn to share.
June 05, 2017 at 07:00PM
from Lloyd Alter
Featured Post
Twenty Practical Steps to Better Corporate Governance | The Corporate Secretaries International Association (CSIA)
Twenty Practical Steps to Better Corporate Governance | The Corporate Secretaries International Association (CSIA) Please click the li...
Showing posts with label 2017 at 07:07PM. Show all posts
Showing posts with label 2017 at 07:07PM. Show all posts
Monday, June 5, 2017
Urban highways could be giant bike paths in the sky
Sunday, June 4, 2017
Online mortgage calculators don’t give homeowners the full picture — here’s what to use instead
Let’s face it: A little back-of-the-envelope math won’t cut it when you’re trying to buy a house.
Becoming a homeowner is a complicated process and a major financial commitment, and figuring out the true cost requires a good amount of research.
Many people will often turn to online mortgage calculators to determine what they can afford, but this tool comes with a few glaring limitations.
In fact, the Consumer Financial Protection Bureau (CFPB) outlines two major problems with many mortgage calculators: they only consider the principal and interest payment and they are only as accurate as the information you provide.
Your principal payment is how much you owe on your loan and the interest rate is the additional amount the lender charges you for borrowing money. Together, this is your mortgage payment — but it’s not the only monthly cost you’ll incur.
You need to factor in property taxes, private mortgage insurance (PMI), homeowners insurance, utilities, and homeowner’s association fees (if you expect to have them), to get an idea of what you’ll be paying each month. Many mortgage calculators either don’t estimate these costs accurately, relying on the user to enter the numbers themselves, or leave them out all together. There are also closing costs you’re required to pay upfront, which can be up to 5% of the home purchase price.
Online real estate resource Zillow Group is trying to fix that problem. Last month, it launched Realestate.com, a new site geared toward millennials looking for their first home. Their new all-in monthly pricing tool enables you to see every possible monthly expense — and a breakdown of closing costs — for each property listed on its site.
According to Zillow Group’s Consumer Trend Report, which was based off of a survey of a group of 13,000 homeowners, sellers, buyers, and renters, 39% of first-time homebuyers exceed their initial budget.
Jeremy Wacksman, CMO of Zillow Group, told Business Insider they created this tool to make budget a priority in the home-shopping process.
“We see nearly half of first-time homebuyers consider renting as well, so [this makes it so they’re] really thinking of them side by side,” Wacksman said. “As a renter, you’re usually thinking of one cost per month.”
One major advantage of the Realestate.com all-in monthly cost tool is that these estimates provide context to homes currently on the market. Rather than blindly looking at a listing price, an all-in monthly cost estimate gives a more accurate idea of affordability.
This doesn’t help you much if the home you’re looking to buy isn’t on Zillow, though you may be able to compare it to something similar in the area.
Also, keep in mind that interest rates are highly personal and depend on your credit history, type of loan, income, debt, and specific lender. This tool populates with a default 3.79% interest rate, based on a 30-year fixed mortgage with a 20% down payment. But you can use CFPB’s interest rate tool to input some of that information and get a more accurate rate to further customize your all-in monthly cost.
SEE ALSO: 21 of the most affordable zip codes to raise a family in the US
DON’T MISS: Everything you need to know about buying a home, in 7 steps
Join the conversation about this story »
NOW WATCH: 8 great ways to earn passive income
June 04, 2017 at 07:06PM
from Tanza Loudenback
Vischer:The Secret Sauce For Faith-Based Law Schools To Thrive In A Difficult Market
Robert K. Vischer (Dean, St. Thomas), How Should a Law School’s Religious Affiliation Matter in a Difficult Market?, 48 U. Tol. L. Rev. 307 (2017): For religiously affiliated law schools, a broad and deep understanding of professional formation should lie at the heart of our reason for being and should…
June 04, 2017 at 07:06PM
from Paul Caron
Sunday, May 28, 2017
Analysis of Goods & Service Tax (GST) on Real Estate Industry
http://ift.tt/eA8V8J
Under GST regime Services by way of pure labour contracts of construction, erection, commissioning, or installation of original works pertaining to a single residential unit otherwise than as a part of a residential complex is exempt. So people who are constructing 2nd holiday homes at Lonavala, Deolali etc will be exempt.
May 28, 2017 at 07:06PM
from admin
Wednesday, May 24, 2017
Analyst Says Long-Term Investors In Shake Shack Should Continue Buying Shares
According to a Piper Jaffray report, which cited “years of interaction” with the Shake Shack Inc (NYSE: SHAK) culture, Senior Research Analyst Nicole Regan initiated coverage on the burger joint with an Overweight rating and $44 price target.
Latest Ratings for SHAK
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| May 2017 | PiperJaffray | Initiates Coverage On | Overweight | |
| May 2017 | Wedbush | Upgrades | Neutral | Outperform |
| Mar 2017 | Wedbush | Upgrades | Underperform | Neutral |
View More Analyst Ratings for SHAK
View the Latest Analyst Ratings
May 24, 2017 at 07:03PM
from Merrick Weingarten
Thursday, May 4, 2017
These £8 shoes from Primark are very similar to a £500 Prada pair
May 04, 2017 at 07:03PM
from Adam Boult
Here’s what doctors and patients think about the Republican healthcare bill
The Obamacare replacement plan is headed for a vote in the House on Thursday afternoon.
That’s after some changes have been made to the American Health Care Act, the bill that aims to repeal and replace the Affordable Care Act.
The bill now includes a new addition, called the MacArthur amendment. The amendment would allow states to receive waivers to avoid some of the regulations set up under the ACA. And on Wednesday, Rep. Fred Upton introduced an amendment that allowed for $8 billion in funding to protect people who are sick in the case that those waivers are triggered.
The two amendments have led to dozens of patient advocacy groups and physician groups to speak out.
SEE ALSO: Trump just scored a big win with the conservatives who killed his healthcare bill
DON’T MISS: Republicans have a new plan to repeal Obamacare — and it may bring them closer to passing ‘Trumpcare’
10 patient advocacy groups —”There is no substitute for fundamental, unequivocal protections for people with pre-existing conditions.”
On Wednesday, in response to Upton’s amendment to the bill, 10 patient groups sent a release stating their opposition to the new amendment and the bill as a whole:
“Despite the Upton amendment, we remain strongly opposed to the American Health Care Act and urge Congress to consider the people at the heart of this decision,” the groups said in a statement. “The various patchwork solutions offered by lawmakers would still leave the millions of patients we represent, who have serious and chronic health conditions, at risk of not being able to access life-saving treatments and care.”
“There is no substitute for fundamental, unequivocal protections for people with pre-existing conditions.”
The groups included the American Cancer Society Cancer Action Network, the American Heart Association, the American Lung Association, the American Diabetes Association, the Cystic Fibrosis Foundation, March of Dimes, the National Organization for Rare Disorders, the National MS Society, and WomenHeart: The National Coalition for Women with Heart Disease.
American Academy of Pediatrics — “The current version makes an already bad bill even worse for children and families.”
The organization, which represents 66,000 pediatricians, originally cited changes to the Medicaid program as the reason why it couldn’t support the bill.
“As Congress began considering changes to the ACA and Medicaid, the message from America’s pediatricians was clear: any changes to the ACA cannot erode the progress we have made in reducing child uninsurance. Unfortunately, the AHCA does not meet this test and the AAP opposes it as currently drafted,” the AAP wrote in a letter in March.
On May 1, the organization reiterated its position.
“Pediatricians have been voicing our opposition to the AHCA since it was initially introduced, and the current version makes an already bad bill even worse for children and families,” the AAP said in a statement.
The AAP was also one of six physician groups that sent a letter to Congress in April opposing the bill, along with the American Academy of Family Physicians, the American College of Physicians, the American Congress of Obstetricians and Gynecologists, the American Osteopathic Association, and the American Psychiatric Association.
American Medical Association — “Nothing in the MacArthur amendment remedies the
shortcomings of the underlying bill.”
The biggest group of doctors in the US doubled down on its opposition to the AHCA.
“We are deeply concerned that the AHCA would result in millions of Americans losing their current health insurance coverage. Nothing in the MacArthur amendment remedies the shortcomings of the underlying bill,” the AMA said in a letter to Congress on Thursday.
The organization previously said it wouldn’t support the bill’s plans to roll back Medicaid expansion or the repeal of the Prevention and Public Health Fund, which helps fund the Centers for Disease Control and Prevention.
Regarding the new amendment, the AMA’s concerns centered around individuals who have preexisting conditions, who might find their healthcare coverage unaffordable.
See the rest of the story at Business Insider
May 04, 2017 at 07:02PM
from Lydia Ramsey
Saturday, April 22, 2017
Clinton staffers toyed with using ‘because it’s her turn’ as a campaign rallying cry
http://ift.tt/eA8V8J
Staffers seemed to understand that Clinton was a less-than-thrilling candidate, according to a new campaign exposé.
April 22, 2017 at 07:06PM
from jberke@businessinsider.com (Jeremy Berke)
President Trump Just Fired Surgeon General, Vivek Murthy. The NRA And Gun Owners Thank Him.
http://ift.tt/eA8V8J
by Pamela Williams The following tweets will let you know immediately why President Trump just fired Dr. Vivek Murthy as Surgeon General. Tired of politicians playing politics w/ guns, putting lives at risk b/c they’re…
April 22, 2017 at 07:02PM
from IWB
CIA Admits Russia NOT Behind Hack, and Obama CIA Chief IS Behind Trump-Russia Rumors
http://ift.tt/eA8V8J
via gla.news: Thursday has NOT been a banner day for the CIA (or the FBI). Dueling stories have exposed the profound failures of the CIA during the Obama administration. In one story we finally learn…
April 22, 2017 at 07:02PM
from IWB
Home of former Leicester City manager goes up for sale
http://ift.tt/eA8V8J
Italian Claudio Ranieri (pictured), who famously led Leicester City to victory in 2016 when they won the Premier League for the first time in the club’s history, has put his modest home up for sale.
April 22, 2017 at 07:04PM
from
2017 JOURNALISM AT ITS FINEST
http://ift.tt/eA8V8J
The MSM literally sh*t their pants over “Telling Hillary to smile” http://ift.tt/2cvYocS http://ift.tt/2owGegG http://ift.tt/2oflqhy http://ift.tt/2afWwoi h/t drogean2
April 22, 2017 at 07:02PM
from IWB
Monday, April 17, 2017
EUR/USD: Euro again ready for a breakout of the trend line
The EUR/USD pair closed up yesterday for the second day in a row. Over the last few days, a false breakout of the trend line has been confirmed. The Euro strengthened against the US dollar to 1.0630, but that’s as far as buyers managed to push the price.
The post EUR/USD: Euro again ready for a breakout of the trend line appeared first on ForexTV.
April 17, 2017 at 06:50PM
from EUR Editor
Sunday, April 16, 2017
How the World’s Richest Companies Can Help Its Poorest Citizens – TIME
TIME |
How the World’s Richest Companies Can Help Its Poorest Citizens
TIME Expanding the definition of who can provide financial services — to include not only mobile networks but also fintech and other businesses — will make markets more diverse and competitive. It will also mean more options and lower costs for customers. |
April 16, 2017 at 07:04PM
from
UK Real Estate CRASHING Except In THIS 1 Place! Hint: It’s NOT London!
http://ift.tt/eA8V8J
Sources: London Housing in Deepest Slump Since the Financial Crisis – Bloomberg http://ift.tt/2g4zAfY 800x-1.png (800×450) http://ift.tt/2dSHBAq London Housing in Deepest Slump Since the Financial Crisis – Bloomberg http://ift.tt/2g4zAfY The £29BILLION collapse – house prices…
April 16, 2017 at 07:00PM
from IWB
SEN. FEINSTEIN TRIED SLAMMING SESSIONS FOR ENFORCING THE LAW – GETS TAUGHT BRUTAL LESSON INSTEAD
Jack Davis for Western Journalism reports, Two days after Attorney General Jeff Sessions reaffirmed the Justice Department will actually enforce the nation’s immigration laws, Sen. Dianne Feinstein, D-Calif., tried to tell Sessions he was…
April 16, 2017 at 07:00PM
from IWB
WIKILEAKS JULIAN ASSANGE CITES JAMES CLAPPER STATING NO EVIDENCE EXISTS LINKING RUSSIA TO WIKILEAKS
http://ift.tt/eA8V8J
He states nothing of the sort. Obama, Comey, Clapper (latter two under oath) also state that such claims are untrue. https://twitter.com/JulianAssange/sta…
April 16, 2017 at 07:00PM
from IWB
H. A. GOODMAN MESSAGE TO BERKELEY ANTI-TRUMP PROTESTERS: DNC Using You For Propaganda
http://ift.tt/eA8V8J
STANDING ROCK BRUTALITY IGNORED BY LIBERALS https://www.youtube.com/watch?v=F6b0D…
April 16, 2017 at 07:00PM
from IWB
Subscribe to:
Posts (Atom)