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first_img About Author: Seth Welborn Servicers Navigate the Post-Pandemic World 2 days ago  Print This Post The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago April 25, 2018 1,482 Views in Daily Dose, Featured, Market Studies, News Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: HOA Homeownership Mortgages stress Demand Propels Home Prices Upward 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Share Save Sign up for DS News Daily Related Articlescenter_img Previous: Your Pre-Foreclosure Crash Course Next: Location, Location, Location: Best Cities for Real Estate Agents Is Homeownership Becoming Less Stressful? The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago Homeownership is becoming less stressful for many owners, according to a report from NerdWallet, despite the financial and emotional costs of owning a home. NerdWallet Mortgage Expert Tim Manni states that many Americans still put homeownership as a top priority.“Despite homebuying being a long and often exhausting process, and homeownership being a time-consuming and frankly expensive venture, 75 percent of Americans say it’s a priority, according to NerdWallet’s 2018 Home Buyer Report,” Manni said. “If recessions, high prices, and stress can’t kill the American dream, I’m not sure anything will. The American desire to own a home is incredibly resilient.”One reason for the lower stress of homeownership is the falling costs of owning a home. On average, homeowners reported paying $1,443 each month on housing costs, which includes mortgage payments, insurance, property taxes, and HOA fees. NerdWallet states that just one in three homeowners called these costs expensive, meaning the majority of homeowners find their costs of ownership to be affordable. Since the 2008-2010 recession, homeowners have gone from spending 25 percent of their income on homeownership to 21.5 percent as of 2016.Still, according to Manni, many homeowners could be saving even more money if they were to look closely at their insurance premiums.“Homeowners should get into the habit of conducting a yearly audit of their mortgage costs,” Manni says. “For example, contact your insurer to see if there are ways to save on homeowners insurance. Repairs like a new roof could lower your yearly premium, for instance.”Still, home repairs can be the most stressful aspect of owning a home. NerdWallet states that around 65 percent of homeowners have experienced some sort of anxiety related to owning their home, and 75 percent of that anxiety was due to unexpected home repair costs.Manni suggests homeowners should put aside just 2 percent of their yearly home costs for repairs. Other stress factors include late payments and delinquency.Despite this, over half of homeowners reported feeling accomplished and proud of their home. The Best Markets For Residential Property Investors 2 days ago Home / Daily Dose / Is Homeownership Becoming Less Stressful? HOA Homeownership Mortgages stress 2018-04-25 Seth Welborn Subscribe Seth Welborn is a Reporter for DS News and MReport. A graduate of Harding University, he has covered numerous topics across the real estate and default servicing industries. Additionally, he has written B2B marketing copy for Dallas-based companies such as AT&T. An East Texas Native, he also works part-time as a photographer. last_img read more


first_imgFounded in 1959 as Baden s House of Trophies the company s primary focus was on bowling trophies. The company expanded into commercial engraving as Vermont Industrial Engravers and finally settled on Vermont Trophy & Engraving in 1973, since becoming the largest recognition manufacturer in the region. The company s motto is Recognition is Respect Made VisibleCurrent owners, Steve & Margi Swett, bought the business from Roger and Bobbi Merchant in July 1996, after many years in the corporate sector. Our initial interest in the business stemmed from its reputation for quality. The value we wanted to add was an expanded focus on customer service and relationship building – over the past 13 years our base of repeat and corporate customers has grown significantly, so we feel that was a pretty good business model, said Steve Swett.last_img read more


first_imgIndia cancels auction for 21 coal mines due to lack of interest FacebookTwitterLinkedInEmailPrint分享CNBC:The coal ministry has received valid interest for only six coal mines out of the 27 which were offered for the iron & steel, cement, and captive power plant end-use. Auction of 21 coal mines has been cancelled by the ministry as it received less than three bids for them.According to the norms of the coal auction under the Coal Mines Nationalisation Act, each mine requires minimum three bids for the government to hold auction.Jamkhani coal mine, situated in the state of Odisha, has attracted maximum bids including from companies like Vedanta, JSW, Hindalco, JSPL, Rungta Mines and Natural Resources Energy Limited.“The response to the coal auction has been subdued, mainly because of the market sentiment and also changes in policy,” said a source from the coal ministry.The auction process was incorporated in 2014, post deallocation of 214 coal mines. India has not seen a successful auction of coal mines after the first round where it auctioned 24 coal mines, out of which about 12 are now in production.More: Auction of 21 coal mines cancelled as govt sees tepid responselast_img read more


first_imgRead also: Activists, politicians urge protection of Chinese mistreated over coronavirusThe workers were briefly detained last week at a COVID-19 monitoring post at the border between the provinces of Southeast and Central Sulawesi, despite having lived in Kendari for a long time.Longki said it was important to tighten surveillance of foreigners to curb the spread of COVID-19 in the region.The governor argued that there was a legal basis for preventing the Chinese nationals from entering his province founded on a Manpower Ministry circular on foreign workers and other efforts to curb the spread of the disease. Local governments have shown a lack of trust in Chinese workers employed in numerous projects throughout the country, potentially signaling a flashpoint in Indonesia-China relations and dampening milestone diplomatic celebrations this year.Recently, Central Sulawesi Governor Longki Djanggola ordered 10 Chinese workers to return to their camp in Kendari, in neighboring Southeast Sulawesi, after they were stopped on their way to a work site in North Morowali regency.The workers were expecting to repair smelters belonging to PT Gunbuster Nickel Industries (GNI), a subsidiary of PT Virtue Dragon Nickel Industry, the Chinese-backed mining company that employs them. They were reportedly the only people with the expertise to make the repairs. Longki said that companies had to provide the necessary paperwork and inform local authorities before sending foreign workers on work-related trips.In the meantime, he said, the 10 workers would be monitored by local agencies from the immigration, health and manpower sectors.”You cannot just bring in foreign workers without coordination, so I asked that they immediately be returned to Kendari,” he told The Jakarta Post on Friday.The presence, activities and health of foreign workers had to be supervised by the government, the governor said, even if the workers were carrying out activities on behalf of their firms.The COVID-19 epidemic has elicited increased suspicion of foreign workers in Indonesia, particularly those from China, where the virus that causes the disease is believed to have originated – although some studies cast doubt on this assumption.Read also: How to communicate COVID-19 risk without fuelling anti-Chinese sentiment in IndonesiaAs of Thursday, there were 7,775 confirmed cases of COVID-19 in the country, 37 of which were reported in Southeast Sulawesi and 29 of which were reported in Central Sulawesi.Three people have died in Central Sulawesi, including the late North Morowali regent Aptripel Tumimomor, who tested positive for the disease posthumously earlier this month.First responders: Officials respond to a helicopter crash inside an industrial park in Morowali, Central Sulawesi, on Friday. The helicopter was carrying six Chinese nationals. (Courtesy of/The National Disaster and Mitigation Agency )Other regions have also shown a tendency to discriminate against Chinese workers.Late last month, 39 Chinese workers arriving in Bintan in the Riau Islands province were refused entry. Authorities argued that the workers’ employer, the aluminum producer PT Bintan Alumina Indonesia based in the Galang Batang special economic zone (KEK), did not have a permit to employ foreign workers, kompas.com reported.A Chinese worker was refused entry to West Kalimantan despite having obtained a medical certificate. He was deported just days after his arrival, which sparked public protest amid COVID-19 fears.Asmuni, a spokesman for the Pontianak Imigration Agency, said he was under strict orders from the regional administration head to deport the person in question.“While he did produce a medical certificate, we still don’t know the actual conditions in his home country. It is better to be sent home than to be allowed in and end up making a fuss,” he told The Jakarta Post on Tuesday.The Pontianak administration rejected the worker on March 27, well before the central government announced it would temporarily ban foreigners from entering Indonesia.The ban, which was formalized under Law and Human Rights Ministry Regulation No. 11/2020, came into effect on April 3.“Based on our observations since the ban, there is no foreign traffic to or from West Kalimantan at this time,” Asmuni said.Throughout Indonesia, 239 foreigners have been denied entry between Feb. 6 and April 19, according to data from the Law and Human Rights Ministry’s Directorate for Immigration.From the official records, 89 of those denied entry were from China, 15 from Malaysia and 12 from Russia.The Chinese Embassy in Jakarta was not immediately available for comment.Anti-Chinese sentiment has been a growing problem in Southeast Asia – even before the COVID-19 outbreak – as Beijing’s influence and presence in the region has increased.Foreign direct investment from China, Indonesia’s second-largest foreign investor, almost doubled last year to US$4.7 billion from $2.4 billion in 2018, according to data from the Investment Coordinating Board (BKPM).Meanwhile, many Indonesians of Chinese descent still have deep-seated fears of a mass reprisal against their minority group, owing to the country’s history of anti-communist violence, which was often directed at racial minorities.Read also: Chinese-Indonesians feel like outsiders amid persisting racist sentimentThe recently growing sentiment has aggravated underlying grievances caused by the fear that Chinese investments will further marginalize local communities, said Dewi Fortuna Anwar from the Indonesian Institute of Sciences (LIPI).“The general perception of China in Indonesia is very mixed,” the international relations research professor said.“There’s always distrust based on history, politics and the social makeup of the two countries, as well as ethnicity. It’s complex, and the issue of Chinese workers has been here for a few years following increased investment [from] China.”The Morowali Industrial Park in Central Sulawesi, which turned Indonesia into the world’s second-largest exporter of stainless steel in just five years, has been mired in rumors of an influx in foreign workers. The rumors have exacerbated anti-Chinese sentiment, but the government has brushed them aside as an exaggeration.Unlike projects from Europe or Japan that employ a few foreign experts and arrange transfers of technology, Dewi said that Chinese investment was mostly bundled with workers from China.“This has resulted in resentment at the local level because [of the lack of] added value to the local economy,” she said. “There are existing concerns that foreign workers will take opportunities away from locals, and they are often exclusive in nature, which prompts racist responses.”But all of that should go away with the significantly reduced mobility everywhere, not just among Chinese people, she noted.Indonesia and China will celebrate 70 years of diplomatic relations this year.– Severianus Endi contributed to this story from Pontianak, West Kalimantan.center_img Editor’s note: The main photo for this article has been replaced to better reflect the story’s content.Topics :last_img read more


first_imgJamie Redknapp slams Matteo Guendouzi and tells Arsenal star he isn’t a ‘big player’ Coral BarryThursday 25 Jun 2020 6:14 pmShare this article via facebookShare this article via twitterShare this article via messengerShare this with Share this article via emailShare this article via flipboardCopy link370Shares ‘I don’t like the messages you hear about him. There’s a couple of times Arteta has had to leave him out of the squad. ‘At 21 years of age because you’re not doing things correctly? That shouldn’t be happening and that suggests there’s something wrong at the club.’Arteta was quizzed about Guendouzi’s absence, but the coach refused to go into detail about why he axed the youngster.More: FootballRio Ferdinand urges Ole Gunnar Solskjaer to drop Manchester United starChelsea defender Fikayo Tomori reveals why he made U-turn over transfer deadline day moveMikel Arteta rates Thomas Partey’s chances of making his Arsenal debut vs Man City‘Squad management. Whatever internal issue we have, we deal with it privately,’ he said.‘The needs of the team and the needs of the football club are always the same, put the best players on the pitch that are 100 per cent focused to win the game.’It is not the first time Arteta has snubbed Guendouzi after the pair clashed when he was first appointed Arsenal manager in December. MORE: Mikel Arteta speaks out after Matteo Guendouzi is dropped for Southampton vs Arsenal clashMORE: Matteo Guendouzi dropped from Arsenal squad to face SouthamptonFollow Metro Sport across our social channels, on Facebook, Twitter and Instagram. For more stories like this, check our sport page. 🗣 “He acts like he’s a big player and he’s not” Jamie Redknapp on Mattéo Guendouzi being dropped pic.twitter.com/m3MMWcSmtT— Football Daily (@footballdaily) June 25, 2020 Commentcenter_img Advertisement Guendouzi was slammed by Maupay )Jamie Redknapp has told Matteo Guendouzi to stop acting like he’s a ‘big player’ after the Arsenal midfielder was dropped by Mikel Arteta.The Arsenal boss left Guendouzi out of his 20-man squad that took on Southampton on Thursday after he grabbed Neal Maupay by the throat following the Gunners’ defeat to Brighton.Maupay claimed Guendouzi taunted Brighton throughout the game and Redknapp slammed the young Frenchman ahead of Arsenal’s clash against Southampton.‘He can definitely play, make no mistake about it – he’s got talent,’ Redknapp said on Sky Sports.ADVERTISEMENT‘He acts like a big player and he’s not yet. You’ve got to earn the right to be a big player. I think you’ve got to produce performances. AdvertisementAdvertisement‘I remember we did the game at Southampton with Tony Adams and we did some analysis on him – not tracking runners and not working hard enough. ‘At that age you should be learning the ropes and doing everything you can to become a big player. Advertisementlast_img read more


first_imgReal Madrid’s Bale, 30, who has won four Champions League titles since joining the Spanish giants in 2013, made the announcement in a Twitter post by the Cardiff and Vale Health Board.“I just wanted to make this video to thank everybody in the NHS for their hard work and sacrifice during this COVID-19 crisis,” he said“The University Hospital of Wales holds a special place in my heart, it’s where I was born and it’s provided great support to my friends, my family and the wider community.“Me and my family we’d like to show our support. Keep up the good work, you’re doing an amazing job and thank you very much,” he added.As of Wednesday 624 people had died from the illness in Wales with more than 8,000 cases recorded.Gareth Bale has scored 105 goals in 249 Real Madrid appearancesRead Also: Ligue 1 club place €50m price-tag on Eagles forwardSpain’s La Liga has been suspended since March 12 due to the outbreak but football authorities in the country have agreed on a return to protocol for professional players.League president Javier Tebas last week said play could restart as early as next month, although a fortnight extension of the nationwide lockdown until May 9 announced on Saturday appears to have scuppered those plans.FacebookTwitterWhatsAppEmail分享 Loading… Wales attacker Gareth Bale said on Wednesday that he had donated £500,000 ($615,000) to the hospital where he was born to help in the fight against the coronavirus pandemic.Advertisementcenter_img Promoted Content6 Extreme Facts About Hurricanes9 Facts You Should Know Before Getting A TattooWhat Is A Black Hole And Is It Dangerous For Us All?7 Mesmerizing Facts About HypnosisSome Impressive And Almost Shocking Robots That Exist5 Of The World’s Most Unique Theme ParksA Hurricane Can Be As Powerful As 10 Atomic BombsTop 10 Most Romantic Nations In The World12 Flicks That Almost Ended Their Stars’ CareersYou’ve Only Seen Such Colorful Hairdos In A Handful Of Anime6 Incredibly Strange Facts About Hurricanes8 Superfoods For Growing Hair Back And Stimulating Its Growthlast_img read more


first_imgGeneral Manager of Hearts of Oak has explained the unpopular decision to transfer players of the club despite widespread agitations.The club recently announced parting ways with 14 players including star midfielder Emmanuel Hayford.Fans of the club have questioned the club’s decision but Ankrah is adamant it was a well thought process. “At the end of last season, a critical look was taken at the team,” he told Asempa Sports“Certain criteria were determined and some players were put on transfer.”Gerald Ankrah also rubbished reports the Phobians let striker Latif Salifu slip through their hands despite the former Chelsea man putting pen to paper for the Phobians. “It is not a matter of Latif Salifu slipping through our hands, it is a matter of the player not being honest or the manager of the player not being honest.”“Latif cannot play in this country unless we don’t want to pursue this issue.”“We have a valid contract with him and he run to Ivory Coast.”Hearts of Oak have been under severe pressure to sign big name players to augment their current squad after a dismal 2014/2015 league season.– Follow Joy Sports on Twitter: @Joy997FM. Our hashtag is #JoySportslast_img read more


first_imgWenger desperate for win in race for Champions League places– Newcastle struggles –Newcastle travel to the North London with problems mounting for manager Rafa Benitez.Even though a £300 million ($403 million) takeover of the club by Amanda Staveley’s PCP Capital Partners is set to go through early in the New Year, a battle for Premier League survival threatens to overshadow the arrival of new owners to succeed the unpopular figure of Mike Ashley, the Sport Direct billionaire who is set to relinquish control after a decade in charge at St James’s Park.The Tynesiders are just a point above the relegation zone after losing seven of their past eight games are in danger of an immediate return to the Championship.England midfielder Jonjo Shelvey starts a two-match suspension after being sent off in the 1-0 home defeat to Everton, while goalkeeper Karl Darlow is set to drop to the bench after making costly errors in the past two matches.“I don’t think you can say we’re in a relegation battle at this stage,” said captain Jamaal Lascelles. “Lots of people would probably have been happy with the points tally we are on if they were asked at the start of the season, so I’m not going to say we’re in a relegation battle.“There have been a few home truths said in the dressing room, because we don’t want to leave it too late for things like that to be said. The reality is we’re not in a great position and sometimes things need to be said that players don’t want to hear. Hopefully, we’ll get a reaction against Arsenal.”Share on: WhatsApp Arsene WengerLondon, United Kingdom | AFP | Arsene Wenger knows Arsenal cannot afford another slip-up when they face Newcastle at the Emirates Stadium aiming to end a damaging run of three Premier League games without a win.Wenger’s team played a scoreless draw at West Ham United on Wednesday and is in seventh place going into Saturday’s meeting with Rafael Benitez’s team.Only one point separates the Gunners from Tottenham Hotspur in fourth, but in what is shaping up to be a tight battle for the Champions League places, Arsenal can ill-afford to drop more points against a struggling team.The West Ham draw was preceded by a stalemate at Southampton — both games Wenger would have expected to win — reinforcing the view that Arsenal have not yet recovered from the blow of losing to Manchester United at home.Wenger shuffled his pack for the short trip to West Ham, with both Jack Wilshere and Olivier Giroud making their first Premier League starts of the season.Wilshere declared himself satisfied with his performance but admitted that he has yet to open talks with the club about an extension to his contract, which runs out at the end of the season.“There’s not really a date in the diary for talks,” the England midfielder told London’s Evening Standard newspaper.“At the moment, I’ve just played my first game in the Premier League. I’m concentrating on staying fit and staying in (the) team. That will look after itself and when it’s the right time, I’m sure the boss will pull me (in) so we can have a chat.”“The games come thick and fast and that’s a good thing because we dropped points tonight (Wednesday) but have the chance to get three points on Saturday,” he added. “We need to recover now and be ready for that.”last_img read more


first_imgAdvertisement jhnNBA Finals | Brooklyn Vsx6doWingsuit rodeo📽Sindre E7148( IG: @_aubreyfisher @imraino ) 8a6ezWould you ever consider trying this?😱abxncrgCan your students do this? 🌚rlRoller skating! Powered by Firework One Indian cab driver in Australia refused to take the fare from five Pakistani cricketers who went to an Indian restaurant for dinner in Brisbane from their hotel. The Pakistani cricketers Shaheen Shah Afridi, Yasir Shah and Naseem Shah treated the cab driver with them in dinner for showing them that much respect.Advertisement The commentator, Alison Mitchell came to the commentary box in the cab of same driver. The driver told her about the whole incident. Mitchell Alisson also got overwhelmed with the news. She shared the incident with her co-commentator Mitchell Johnson during the test match between Pakistan and Australia at Gabba in Brisbane. The video of the commentary box went viral as the viewers also got interested to know the whole story. It was certainly a great example set by the cricketers of Pakistan. The respect between the players and common people needs to be right there for the betterment of the game.Advertisement Pakistan were defeated by Australia by a margin of an innings and 5 runs in the first test match of this series. Pakistan will now try to make a comeback in the series from the next match onwards. However, it will be tough for Pakistan as Australia are almost unbeatable at home.In an historic move, BCCI formally recognises the Indian Cricketers Association (ICA)Advertisement Advertisementlast_img read more


first_imgNOTES: Winning owner Deron Pearson who campaigns as DP Racing, is from Valencia. MIKE SMITH, PRIZE EXHIBIT, WINNER: “I was able to get her to relax early and she can be on the rank side. Sometimes, going into a race where there’s not much pace, everyone thinks the same thing and it worked out that way today. We took advantage.“I got a clear trip today. I’ve been handcuffed the last few times I’ve been on her, with traffic in front of me and never had a clear path. I got her out in the clear today and it was great.“I think she can go short or long. She’s already shown she can run down the hill and she has such a turn of foot. When she crosses that dirt, I’m sure she explodes. I didn’t get to ride her down the hill, but I think she can go a mile, a mile and a sixteenth as well. As long as you get her covered up and keep her turned off.” TRAINER QUOTES JIM CASSIDY, PRIZE EXHIBIT, WINNER: “We had her in the hill race last week but it came off the grass due to weather. She’s trained so well into this race.“She trained well going into that hill race but then, her work after that didn’t go was tremendous; over the top good. I worried about that a little but she was fine. She’s a tough girl. She can be tricky. We’ve had to do a lot of different things with her and she’s just been happier lately. We’ve been working her from the gate and she seems to like that.“She’s somethin’ else.”center_img DERON PEARSON, OWNER, PRIZE EXHIBIT, WINNER: “She finally got the trip that she needed. Mike rode her perfectly. I think she got the ground that she wanted and it worked out well.“These graded races are always difficult to win.  There’s always a tough horse and usually tough to get a good trip. I was a little concerned the pace was too slow, but she’s got the best kick of any of these horses in the race and she showed it today.” JOCKEY QUOTESlast_img read more