The State of Americans’ Credit

first_img credit Saving spending 2020-09-01 Christina Hughes Babb  Print This Post The State of Americans’ Credit in Daily Dose, Featured, News September 1, 2020 913 Views The Best Markets For Residential Property Investors 2 days ago Home / Daily Dose / The State of Americans’ Credit Demand Propels Home Prices Upward 2 days ago Andy Beth Miller is an experienced freelance editor and writer. Her main focus is travel writing, and when she is not typing away from her computer at her home in the Hawaiian Islands, she is regularly roaming the world as a digital nomad, and loving every minute of it. She has been published in myriad online and print magazines, is a fan of all things outdoors, and finds life (and all of its business, technological, and cultural facets) fascinating in their constant evolution. She is excited to spectate as the world changes, and have a job that allows her to bring a detailed account of those constant shifts to her readers at home and abroad. Previous: CFPB Report: Effects of COVID-19 on Mortgage Loans, Other Debt Next: Fannie Mae Updates on Single-Family Delinquency Rate Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Subscribecenter_img Sign up for DS News Daily About Author: Andy Beth Miller Data Provider Black Knight to Acquire Top of Mind 2 days ago Tagged with: credit Saving spending The Best Markets For Residential Property Investors 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Related Articles Servicers Navigate the Post-Pandemic World 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 Demand Propels Home Prices Upward 2 days ago According to the latest Invest in You Survey conducted by CNBC and Acorns in Partnership with SurveyMonkey, Americas are rethinking their spending habits. Specifically, the survey shows that all across the nation, residents are tightening their purse strings and focusing on saving versus spending in every area, including their mortgage and rental payments. Following the national survey’s in-depth analysis of both the saving and spending behaviors of more than 5,400 Americans (aged 18 and over), it was revealed that a whopping 60% of Americans reported really watching their budgets, specifically stating that they are saving more now than they were last year. This cautiousness regarding spending makes sense in light of the current COVID-19 pandemic, which has understandably left many residents to completely reevaluate and revamp their financial planning, including goals for retirement and even setting aside funds to cover their children’s future needs, such as college and more. The survey not only revealed how many Americans are curbing spending and saving more, but it also dug further to unveil how they are attempting to do so—methods which definitely include rethinking their mortgage and rent payments. Highlights from the survey included the fact that this reported 60% of Americans (self-professed “savers”) shows an increase of 6% from last year’s percentage. Among those surveyed, 46% percent claim to be much more focused on saving—and saving far more—than they were pre-pandemic. Along this vein, 49% of survey respondents admit that the amounts they spend each month have gone down markedly throughout this year amid the pandemic, with 53% of these same respondents directly crediting concern about COVID-19 and the resulting depressed economy as the reason why they are really tightening up and being more careful with the budget. Another 26% of these same respondents instead pointed directly to the fact that they are bringing home less in their paychecks each month for why they are spending less. The findings go on to reveal that Americans have not only had to spend less, but many have had to tap into savings (14% of Americans say they have wiped out their emergency savings  altogether post-pandemic). Another 11% admit to having had to borrow money just to make ends meet, with 10% claiming to have gone to such extremes as withdrawing funds from retirement accounts and even asking for mortgage or rent reprieves. last_img read more

Adjunct Instructor in Technical Communication

first_imgPosition SummaryThe Department of Engineering Education ( DEE ) at University atBuffalo (UB) invites candidates to apply for a part time AdjunctInstructor in Technical Communication. The DEE was recently formedand will advance modern pedagogical tools and teaching methodsincluding the field of online education. At the undergraduatelevel, the department offers a variety of SEAS courses includingtechnical communication, engineering computations, statistics, anddynamics.We are particularly looking for candidates who can operateeffectively in a team environment and in a diverse community ofstudents and faculty and share our vision of helping allconstituents reach their full potential.Candidates should have the ability to teach technical communicationcourses at the undergraduate and graduate level as needed.Essential functions are: demonstrate appropriate knowledge ofsubject; provide students with appropriate learning materials andexpertise in assigned subjects; evaluate students’ performance andprovide effective feedback to guide student learning and success;and contribute to maintaining an inclusive and collaborativeenvironment.This is a pooled posting, and positions are filled on an asneeded basis.University at Buffalo is an affirmative action/equal opportunityemployer and, in keeping with our commitment, welcomes all to applyincluding veterans and individuals with disabilities.Minimum QualificationsFor a position that requires teaching an undergraduate technicalcommunication course a bachelor’s degree in English, Communicationor a related field.For a position that requires teaching a graduate technicalcommunication course a bachelor’s degree in English, Communicationor a related field with significant graduate course work or amaster’s degree in English, Communication or a related field.Applicants must be currently authorized to work in the UnitedStates.Preferred QualificationsFor a position that requires teaching an undergraduate technicalcommunication course a master’s degree in in English, Communicationor a related field.For a position that requires teaching a graduate technicalcommunication course a PhD degree in English, Communication or arelated field.For more information, click the “How to Apply” button.last_img read more

Juror Misconduct Arises Clint Loehrlein Murder Case

first_imgTwitterFacebook FacebookTwitterCopy LinkEmailShare Juror Misconduct Arises Clint Loehrlein Murder CaseOCTOBER 27TH, 2018 TYRONE MORRIS EVANSVILLE, INDIANAA man found guilty of killing his wife and trying to kill his twin daughters could have his conviction overturned. Clint Loehrlein’s defense team is trying to get his conviction thrown out because of juror misconduct.Back in August Loehrlein was found guilty of murdering his wife Sherry and trying to kill his twin daughters. His sentencing hearing was supposed to be October 1st but that was pushed back for this mistrial motion.Neither the prosecutor, the juror’s lawyer nor Loeherlein’s lawyers would comment on this ongoing case.The juror accused of misconduct was expected to testify through a public hearing but the judge ruled that juror will be deposed in Johnson County in late November.Both sides will then enter written arguments to the court and the decision should be made on January 10th at 1:30 p.m.last_img read more

Bulldog Swimmers Fall Short Against Golden Bears

first_imgThe Batesville Bulldogs travelled to Shelbyville high school to take on the Golden Bears in dual meet action Tuesday evening. Batesville fell in both contests with a score of 115-61 (women) and 133-39 (men).bhs vs shelbyville“When we swim programs with the depth, like Shelbyville, it makes it hard to compete in the scoring. However, this score doesn’t reflect how well we’re swimming,” says Coach Greg McMullen. “Coach Weiler has done a great job of preparing his team and we’re looking forward to seeing them again on Saturday for the Relay Invitational.”Overall, Batesville finished the meet with two first place finishes: 200 Medley Relay (Maria Lopez, Jenna Ertel, Halle Renck and Olive Cerniglia) and Ethan Brewer in the 100 Fly.last_img read more

BetGames.TV expands its portfolio of partners

first_img Alberto Alfieri: Leading the way for Gamingtec’s B2C growth August 25, 2020 Björn Nilsson: How Triggy is delivering digestible data through pre-set triggers August 28, 2020 Danske Spil calls for esports makeover with Pinnacle Solution August 25, 2020 Share Share StumbleUpon ORYX Gaming has strengthened its iGaming offering by agreeing a new content partnership with BetGames.TV.The new partnership will give ORYX clients access to BetGames TV’s multi-channel games including Bet on Poker, Bet on Baccarat, Dice, Dice Duel, Lucky5, Lucky6, Lucky7, War of Bets and Wheel of Fortune, across desktop and mobile.Matevz Mazij, ORYX Gaming CEO stated: “Integrating BetGames.TV’s live content onto our iGaming platform will significantly strengthen our portfolio offering. BetGames.TV has an excellent multi-channel live solution and we’re expecting great results from our partnership.”BetGames.TV foremost priority is to develop and distribute interactive and innovative gaming products with a number of the most popular live games available on the market.Aiste Garneviciene, COO of BetGames.TV, added: “ORYX Gaming is a trusted business partner of ours and I am confident that our games will offer their clients the highest quality and the widest choice of unique content. We look forward to a rewarding partnership with ORYX Gaming which will clearly bring fantastic opportunities for both of us.”BetGames.TV also recently penned a deal with online operator, Pinnacle.The deal means that the BetGames.TV portfolio of games will now be available to Pinnacle players. Commenting on the partnership, the BetGames COO stated: “In a short period of time, BetGames.TV has built a deserved reputation as one of the industry’s most innovative developers specialising in high-quality live content.“Pinnacle is a very established organisation in the industry and we are delighted to be providing them with a full portfolio of our games. I’m very confident that we will enjoy a long and fruitful relationship.” Submit Related Articleslast_img read more

Judge says state can regulate car emissions

first_img AD Quality Auto 360p 720p 1080p Top articles1/5READ MOREWhicker: Clemson demonstrates that it’s tough to knock out the champ160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! SACRAMENTO – California scored a major victory Wednesday in its bid to be a player in the fight against global warming, as a federal judge ruled that the state has the authority to regulate greenhouse-gas emissions from cars. The ruling by U.S. District Court Judge Anthony Ishii in Fresno was another in a series of losses this year for automakers, who have sought to block California’s clean-car mandates from taking effect here and in 16 other states that together make up nearly half of the U.S. population. The win for environmentalists is tempered by the federal Environmental Protection Agency, however, which has yet to grant California’s two-year-old request for a waiver, the last roadblock to the new rules.last_img read more


first_imgSinger Daniel O’Donnell has revealed that wife Majella has become a knitting fanatic since learning she is to be a grandmother.The Donegal entertainer and his wife recently revealed how Majella’s daughter Siobhan and her fiancé Gavin are expecting their first child.Now Daniel, 53, has revealed how Majella has settled into the role of grand mother-to-be with ease! “We’ve had some wonderful news. Siobhan and her fiancé Gavin are going to make us grandparents in July.“We are so excited and can hardly wait for the baby’s arrival. Majella is already knitting and crocheting blankets and toys of all sorts,” he said.Majella is in good company on the knitting front as Daniel’s late mum Julia was a renowned knitter who even made gloves for Queen Elizabeth and the Pope.The celebrity couple are back in their home in Tenerife after taking part in the Gertrude Byrne Irish Cruise of the Caribbean. But Daniel said he may need to watch what he is eating after over-indulging.“It really is a fun week and it’s so nice to be able to relax and meet people throughout the ship. Usually the meetings are at the midnight buffet, that we would be better staying away from! They are not good for the waistline,” he said.    BECOMING A GRANDMOTHER IS ‘KNITTING WELL’ WITH MAJELLA! was last modified: March 5th, 2015 by StephenShare 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:DanieldonegalknittingMajella O’Donnelllast_img read more

Building Better for Less

first_imgA Habitat for Humanity chapter in Kalamazoo, Michigan, is among six “grand award” winners in a Department of Energy Zero Energy Ready Home competition this year, proving that high performance doesn’t necessarily come with a high price tag. The annual contest recognizes innovative residential building in five categories, according to the DOE. Habitat Kalamazoo picked up the award for its entry in the Affordable Non-Profit category. Thrive Home Builders of Denver was the top winner in the Affordable For Profit category. In all, 23 builders from around the country earned innovation awards. The grand winners were announced in San Diego in October. Habitat for Humanity chapters in Venice, Florida, and Hickory, North Carolina, also were recognized.RELATED ARTICLESHabitat Chapter Sees an Energy-Efficient FutureHabitat for Humanity’s Net-Zero CommunityA New Guide for Net Zero BuildersEvery New Home Should be Zero-Energy ReadyFinally, a Right-Sized Furnace What separates Kalamazoo’s entry from the other top prize winners is its low cost, according to a post at LinkedIn by Philip Beere. While other winning entries carried price tags ranging from $400,000 to $1.6 million, Kalamazoo Habitat built its three-bedroom, 1,000-square-foot entry for less than $150,000. The design decisions that guide Kalamazoo’s building program are the work of Tom Tishler, the director of construction operations, who joined the program in 2008. At the time, the houses that the local chapter were building were Energy-Star-certified and had an average HERS Index of 78, meaning they were 22% more efficient that a code-complaint house, Beere writes. Now, Habitat Kalamazoo’s new homes get a HERS score of 50 or better. With certification from the Zero Energy Ready Home program, the houses should be able to hit net-zero performance with the addition of a renewable energy system (for example, a PV array). A push beyond Energy Star In a telephone call, Tishler said that the program had been building Energy Star homes until the Zero Energy Ready Home program came along. About the same time, Michigan updated its energy code, and Tishler realized that state codes and Energy Star weren’t all that different, meaning they had to try harder. “When I read through the Zero Energy Ready checklist, it was like we’re doing all but four things,” he said, “so it was not an easy jump, but it wasn’t a massive quantum leap for us, either. … We’ve always wanted to push a little big. We want to build really, really good homes for our homeowners.” The chapter built its first Zero Energy Ready home in 2015. Each of the four to six houses it builds each year are now built to that standard. Habitat for Humanity serves people without a lot of money, so low energy bills and high comfort makes an appealing package. For the prize-winning house, the Habitat crew built its own insulated concrete forms for the perimeter of the foundation with 2-inch thick foam donated by Dow, he said, and also placed 2 inches of foam under the slab. Walls are framed with staggered 2x4s, 24 inches on-center, on 2×6 top and bottom plates. Corners are reinforced with 1/2-inch CDX plywood, and the house is otherwise sheathed with 2-inch foam. The 5 1/2-inch thick walls cavities are insulated with 2 inches of rigid foam and R-13 fiberglass batts, for a total wall R-value of about 33. The roof is insulated with 18 inches of blown-in cellulose (the trusses have a 16-inch high energy heel). All penetrations through the ceiling are sealed with spray foam, Tishler said, an approach that has drastically reduced air leakage. A house the program just finished, for example, tested at 1.8 ach50 with a blower door. The house that won the award tested slightly higher than that. Tishler provided these additional building details: Windows: Pella 250 series with triple-pane argon-filled glazing (U-factor of 0.21 or 0.22). Siding: Vinyl attached with 3 1/2-inch long roofing nails driven through the exterior foam. Getting volunteers not to pound the nails too tightly into the foam can be a challenge, Tishler said, but the siding is easy to install and relatively inexpensive. Whole-house ventilation: A Venmar F8 heat-recovery ventilator provides 80 cubic feet per minute of fresh air. Tishler said that the program is likely to begin using a Broan model with slightly more capacity in the future (Broan has purchased Venmar). Although the Venmar unit provided enough outdoor air to meet ASHRAE recommendations, Tishler said he though the house might still be slightly underventilated. Domestic hot water: Navien model 150 gas-fired tankless. Gas-fired furnace over minisplit The house is heated with a gas-fired furnace made by Dettson, a Canadian company. That may come as a surprise to the many advocates of ductless minisplit heating and cooling systems, but Tishler had good reasons for the choice. Chief among them is heating capacity, or rather too much heating capacity. The program had been using Amana furnaces, but the smallest one they could find was rated at 30,000 Btu/h (21,000 Btu/h on low-fire), while the heating load at the house was just 13,000 Btu/h at a design temperature of 0° to 4°F. The “Chinook” model from Dettson modulates down to 5,000 to 6,000 Btu/h and comes with a fan that can run as low as 150 cubic feet per minute. The ductwork consists of an 8-inch round main trunk line that feeds 2 1/2-inch miniducts to individual rooms. The furnace runs almost continuously in winter. The heating contractor they use recently installed a Dettson system on a for-profit job for between $17,000 and $18,000. Although the furnaces aren’t cheap, Tishler said, the payback is quick, and the systems are very efficient. Last December, for example (the coldest December in Michigan in the last 75 years), a Habitat homeowner spent just $105 for heat and electricity. Tishler said that the Habitat chapter has used ductless minisplits in the past, with mixed results. “The big thing is the cost for the homeowner,” he said. “They’re super-efficient, but in the dead of winter the heating bills are outrageous. It’s so cold that those things are running continuously. The dirty little secret of those things is that they go into a defrost cycle. It’s like running a toaster, or a couple of toasters, nonstop 24 hours a day.” A family might get a heating bill for the month of $300. Summertime electricity use is very low, and a monthly budget plan might even out spikes like that. But when a low-income family gets a heating bill of $300, the result is “catastrophic.” The other issue with a ductless minisplit is uneven heat distribution, Tishler said. Homeowners complained that the main living area might be a balmy 70°F while bedrooms were a chilly 55°F. The program tried a number of fixes, including transfer grilles and using Panasonic bath fans to distribute warm air around the house. But in the end, switching to the Detttson furnace solved a lot of problems. Market cost of less than $150,000 Tishler said that they can build a house like the one that won the award for about $80,000. That figure does not include the $10,000 or so in donated materials that come from manufacturers such as Dow and Square D. And it doesn’t include a number for the volunteer labor the program gets, accounting for about 75% of the labor total. With that in mind, Tishler estimates the house could be built at market rates for under $150,000. Tishler said that he’s the kind of person who loves tinkering with WUFI software and actively looks for ways to make his houses better. He’s eyed the Passive House building standard, but recognizes that he probably won’t get all the way there on his very tight budget. The Kalamazoo program has been lowering the HERS scores for the houses it builds. The last house earned a score of 42. But, Tishler added, he’s becoming more focused on putting health, safety, and indoor air quality ahead of playing the “HERS point game.” “If your HERS rating is 5 points higher but we’re providing extra ventilation or something to help occupants’ health,” he said, “that’s the angle we’re taking now.”last_img read more

Datsun to launch special edition redi-GO Sport on September 29