first_imgHome / Daily Dose / They Don’t Spend Like They Used to Share Save A recent report published by Bankrate suggests that younger millennials aged 18 to 26 spend more on daily, habitual expenses, such as eating out, coffee, and alcohol, than any other generation, which can limit their long-term ability to save for a downpayment on their mortgage. According to the data, 54 percent of the people in their age group say they have a meal away from home at least three times per week, compared to the 33 percent of Gen-Xers. Thirty percent say they buy coffee at least three times a week. Fifty-one percent of younger millennials aged 21 to 26 (for legal reasons) said they go a bar at least once a week.Millennials also have another problem that previous generations didn’t face: soaring student debt. Cumulative student loan debt has reached $1.3 trillion dollars in the U.S., and college tuition continues to rise each year. Coupled with a trip to the neighborhood watering hole, a week’s worth of morning coffee, and lunch out on the town, where will millennials find the time—and the money—to save for a downpayment? One option, aside from completely cutting off vice spending and tightening the belt, is the rise in popularity of low-down payment mortgages, which are now offered by major banks such as, Bank of America, Wells Fargo, and Fifth-Third. Veterans and active-duty service members can get a private loan guaranteed by the Department of Veterans Affairs, and the Navy Federal Credit Union offers a zero-down mortgage option. Millennials that aren’t in the military but have impeccable credit can qualify for low down payment mortgages with mortgage insurance, either through a private firm or through the FHA. The Chicago Tribune has reported that nearly 35 percent of millennials that opted to go the route of homeownership did so using FHA mortgages, which is 14 percent higher than the overall market share, which sits at 21 percent. Previous: The Week Ahead: Fed Talking Money Next: Leading the Field Related Articles in Daily Dose, Featured, Market Studies, News The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago July 3, 2017 1,278 Views Subscribe Tagged with: Millennials Brianna Gilpin, Online Editor for MReport and DS News, is a graduate of Texas A&M University where she received her B.A. in Telecommunication Media Studies. Gilpin previously worked at Hearst Media, one of the nation’s leading diversified media and information services companies. To contact Gilpin, email [email protected] Demand Propels Home Prices Upward 2 days agocenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago About Author: Brianna Gilpin Servicers Navigate the Post-Pandemic World 2 days ago  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Millennials 2017-07-03 Brianna Gilpin Servicers Navigate the Post-Pandemic World 2 days ago Sign up for DS News Daily They Don’t Spend Like They Used tolast_img read more

first_imgIf the Seahawks beat the 49ers to win the NFC West, then the Saints would be behind the Packers but a full game ahead of the Seahawks, whom they also beat. Then they would get a first-round bye and face the highest remaining seed in the divisiional playoffs.How Saints get No. 3 seed in NFCIf the 49ers beat the Seahawks to win the NFC West to also get to 13-3, they would be the No. 1 seed over the Packers and Saints because they beat both teams.The Saints would still lose the tiebreaker to the Packers and remain where they were after the 1 p.m. ET games Sunday. The Saints would host the Vikings in the wild-card round next weekend. The Saints (13-3) are going to the NFC playoffs for a third consecutive NFL season as NFC South champions. Their seed for the conference tournament, however, is very much in flux going into the final games of 2019.Here’s breaking down where they could end up after they beat the Panthers in Week 17 NFL PLAYOFF PICTURE:All clinching scenarios for Week 17How Saints get No. 2 seed in NFCThe Saints can’t finish higher than the No. 2 seed because the Packers, who also finished 13-3, hold the conference-record tiebreaker over them.last_img read more

first_imgBy John Burton RED BANK — The Borough Council intended to vote on an ordinance requiring owners of foreclosed properties to post contact information on their properties and submit that information to borough authorities, but the vote was tabled last Wednesday after Councilwoman Sharon Lee voiced her objection.Lee was concerned about a provision of the ordinance that requires owners of foreclosed properties to post an 81/2×11 inch sign on their building, likely in the window, with the pertinent contact information.Lee, won of two borough council members who are west side residents, explained that she felt the posting of signs on foreclosed homes could exacerbate neighborhood decline, particularly in low income areas of town that are largely on the west side.“I certainly know that a sign plastered on one house or two houses would certainly discourage people from purchasing in that neighborhood,” said Lee, who is African American and a lifelong west side resident.Lee also wondered if this would be administered equitably for the more affluent east side and the downtown business district. “Can you image Broad Street with a bunch of stickers on the doors?” she asked on Monday.“The genesis of this,” Borough Councilman Michael DuPont explained at last week’s public meeting, is “to compel the mortgage holder to contact us.”“I don’t have a problem with that,” Lee responded.While there is a state statute requiring that towns be notified and property be maintained after a foreclosure, the economic meltdown and the ensuing rise in foreclosure has, in many cases led to confusion over who the owners of many foreclosed properties actually are.Banks and mortgage companies have been selling off the mortgages on these properties, and merging with other banks, making it increasingly difficult to track down the responsible parties when properties fall into disrepair. “We’re going to put the burden on them to ensure their information is up to date,” Mayor Pasquale Menna said last month. The ordinance is modeled after one enacted in Lodi, and would also require a $125 registration feeVincent Lepore, a Long Branch resident, offered his objections at last Wednesday’s meeting, telling the council he feared it could open the door for properties to be deemed as “blighted” and condemned under eminent domain laws, much like what was done in the controversial Long Branch Redevelopment.But DuPont and other council members responded that there would not be any condemnations of property.When contacted by ***ITALSThe Two River Times**ENDTALS this week, Phyllis Salowe-Kaye, executive director for New Jersey Citizen Action Committee, a government watchdog coalition, agreed with Lee’s perception of the detrimental effect of requiring foreclosed properties to be identified with signs.The state already requires mortgage lenders to be registered and to have a local agent available, said, Salowe-Kaye, which her group supports, however, “Putting signs in the windows of foreclosed properties can’t do anything to make the neighborhood a better place to live.”The council agreed to table the matter to continue discussions before it returns for a vote.last_img read more

first_imgIt’s a proven fact to always have a backup plan just in case that original idea goes south.Dryden Hunt knows all too well things do not always go as planned as the Nelson Minor Hockey product prepares to enter the world of professional hockey.After not hearing his name called out for the second consecutive year last week at the 2015 National Hockey League entry draft  in Sunrise, Florida, the 6-foot, 200-pound forward already has a direction in place.Hunt, 19, is off to the La Belle Province Friday to attend the Montreal Canadiens Development Camp, which begins Sunday in Brossard, Quebec.“Montreal contacted me before the draft to say if I didn’t go in the draft they’d like to offer me a tryout,” Hunt told The Nelson Daily from Kelowna where he’s training for the upcoming season.“I was hoping I would get drafted but now I’m heading to Montreal and I couldn’t be happier.”Hunt was optimistic his name would be called after a stellar season in the Western Hockey League with Regina Pats and Medicine Hat Tigers.Hunt put up 83 points during the regular season before adding five goals in 10 playoff games for the Tigers.“Ya, I am a little disappointed,” Hunt lamented. “I mean with all those rankings before (draft) it kind of puts into your head that there’s always a possibility.“I thought I had a pretty good year but unfortunately it didn’t happen.”It’s tough,” he added, “but I’m now heading to Montreal with guys who got drafted so this is an exciting opportunity to show what I’ve got.”Hunt leaves Friday for the Habs Development Camp. He is part of a list of tryout-invitees the Montreal Scouting Department has put together.There is also more than 20 Montreal draft prospects from the past three seasons, including Hunt’s teammate at Medicine Hat, Matthew Bradley.Hunt also said former Nelson Minor Hockey graduate Tim McGauley is also attending the camp.McGauley played the last three seasons in Brandon, where he registered 105 points last season scoring 42 goals playing center.“It’s every kids dream to get drafted but some players take a little tougher road toward their dream,” Hunt explained.“For me I didn’t get drafted two years in a row, but I’ll just go to Montreal and try to prove people wrong and try to make the most of my opportunity.”The Habs also invited Hunt to their Prospects Camp in September.So the son of Carla DeBiasio and Jeff Hunt has two chances to impress the coaching staff.Smart man that Dryden Hunt.Smart man.last_img read more

first_imgOver €104,000 has been awarded to over 55 Donegal groups by SSE Airtricity as the Community Fund tops €1.1million since 2007.SSE Airtricity presented the money to community groups located close to Meentycat Wind Farm this week.In September, 45 community groups and bodies took part in Meentycat’s Community Fund Sponsored Walk. A record-breaking 1,200 community members walked through Meenycat and Culliagh Wind Farms near Ballybofey.With the sponsored walk now in its 12th year, community groups have benefitted from almost €781,000 to date.On Monday, the company presented €52,249 to local groups, topping-up the €80,000 raised by community members from this year’s Sponsored Walk.The following day, Tuesday, the firm awarded a further €53,000 for 11 local projects through its Community Fund. Both presentations took place in the Villa Rose Hotel in Ballybofey. Pictured are representative from the community groups who collected their cheques on Monday last in the Villa Rose Ballybofey front from left are Eugene Gallagher, Sean MacCumhaills, Seamus Herron, Service Manger SSE Airtricity, Anne Reynolds, SSE Airtricity Community Development Officer and Cora Harvey, Cappry Rovers. Back from left Brian Anderson, Twin Towns Boxing Club, Coulter Blackburn, Raphoe Congregational Church, Stephen Hasson, Illistrin Football Club, Sean Bonner, Glenfinn GAA, Ciaran Mac Ruaidhrí, Gairmscoil Chú Uladh, John Willie McNulty, Cappry Rovers, Ruth Blackburn, Raphoe Congregational, Sammy Devenney, St Ninians Convoy and Roy Kennedy, St. Ninians Convoy. Photo Clive WassonThis presentation will bring the total funds awarded to over €1.1 million between the Community Fund and Sponsored Walk.A large number of this year’s Community Fund recipients are putting the funding towards improving their energy efficiency measures, which SSE Airtricity strongly supports. Letterkenny Rugby Club and St. Ninians’s Convoy Parish Church will improve the insulation of their buildings, while Raphoe Congregational Church, Illistrin Football Club and Sean MacCumhaill CLG will upgrade the lighting for their premises. Twin Towns Boxing Club will upgrade their electric showers in the club. Gairmscoil Chu Uladh will upgrade their heating system for the school. CLG Ghleann Fhinne will undertake roof repairs and insulation for the clubhouse. Cappry Rovers will improve their astroturf facilities at the club. Elsewhere the Green Residents Group and Green Residents Admiran Group have received funding towards landscaping in their area.€104,000 awarded to over 55 Donegal groups near wind farm was last modified: December 11th, 2019 by Dionne MeehanShare this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:AirtricityBallybofeyCommunity FunddonegalMeentycat and Culliagh Wind FarmSponsored walklast_img read more

first_imgAnd now for something completely tiresome.According to the San Francisco Chronicle, the Oakland Coliseum’s name is about to be changed for the fifth time in 21 years. RingCentral, a Belmont communications firm, has purchased the naming rights to the maligned stadium for three years at a cost of $3 million. The deal includes an option for a fourth year.“We have a contract that we are finalizing right now,” Coliseum Authority Executive Director Scott McKibben told the Chronicle. “The goal is to …last_img read more

first_imgDiscover how to create 3D in Smoke from a 2D video image – a very cool effect!Autodesk Smoke and Flame pro Joel Osis is a compositing, video editing and motion design pro.  This talented creative pro currently works full time as a lead compositor, and previously was a senior Flame artist.We’re lucky then, that Joel shares his Smoke and Flame knowledge in regular Vimeo posts that demonstrate advanced post production techniques.  In the following Smoke video tip he demonstrates a fairly quick way to achieve a 2D to 3D parallax based conversion using Smoke’s built-in toolset.3D (or stereo or stereoscopic) video is usually created by shooting two cameras next to each other simultaneously.  The simulated Smoke 3D effect that Joel demonstrates is unique in that the effect can be created with a single 2 dimensional video image (in this case, footage shot on a RED camera).Word of warning for Smoke newbies, this tutorial isn’t “intro to Smoke” level stuff…rather it’s more advanced and probably more suited for seasoned Smoke compositors/editors.See how to pull off a 3D effect in Smoke below.  Thanks for sharing Joel!last_img read more

first_imgMANILA, Philippines–The Philippine Superliga will employ two Thai referees for the best-of-three championship series between Petron and F2 Logistics starting on Tuesday at FilOil Flying V Center.International refs Komsun Gettaworn and Jirasak Pumduang are set to arrive Monday, according to PSL chair Philip Ella Juico. ADVERTISEMENT DA eyes importing ‘galunggong’ anew Sports Related Videospowered by AdSparcRead Next Hontiveros presses for security audit of national power grid Private companies step in to help SEA Games hosting LATEST STORIES Sting of finals loss fuels San Miguel’s drive to another All-Filipino title Panelo: Duterte ‘angry’ with SEA Games hosting hassles MOST READ Philippine Arena Interchange inaugurated Cayetano: Senate, Drilon to be blamed for SEA Games mess PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss “While we are very satisfied with the performance of our local referees, the participation of guest referees from Thailand would definitely spice up the finals series. Aside from that, allowing foreign guest-referees also put the PSL in the community of leagues that strictly adheres to fair play and respect to the sport,” he said.The PSL has been bringing in foreign referees during conference finals the past four years.FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSPalace wants Cayetano’s PHISGOC Foundation probed over corruption chargesSPORTSSingapore latest to raise issue on SEA Games food, logistics“With the guest referees and the video challenge system, we’re looking forward to a fair, just and exciting finals series. We’re glad to have Mr. Gettaworn and Mr. Pumduang on board,” Juico said. SEA Games hosting troubles anger Duterte Duterte wants probe of SEA Games mess Don’t miss out on the latest news and information. View commentslast_img read more

first_imgNapoli coach Carl Ancelotti warns against January signingsby Carlos Volcano10 months agoSend to a friendShare the loveNapoli coach Carl Ancelotti doesn’t expect any January signings.Ancelotti is satisfied with the quality of his squad.He said, “An extra player would result in problems for management. No-one will leave, unless somebody gets stuck in front of the gate at our training complex because they want to be sold.“At the moment I see a compact and happy group. If I said I liked Pavard then that would be a lack of respect for Hysaj, Malcuit and Maksimovic, who I’m very happy with.“The market doesn’t interest me much right now. My experience of Serie A as an outsider was different.” TagsTransfersAbout the authorCarlos VolcanoShare the loveHave your saylast_img read more

first_imgEDMONTON – The Alberta government is looking for a new builder for the Grande Prairie Regional Hospital.Infrastructure Minister Sandra Jansen says it has terminated the contract with the current builder, Calgary-based Graham Construction.Graham Construction and the province have been at odds over the timeline and costs of the $763-million project.In July, Jansen directed Graham submit a revised plan to get back on track, but says the new blueprint wasn’t good enough.Work on the project will now be stopped, with a new construction manager expected to be hired by late next month.Graham officials could not be immediately reached for comment but have previously accused the government of crippling the project with never-ending design changes, poor budgeting and bad faith negotiations.last_img read more