How Homebuying Millennials Must Adapt

first_img Servicers Navigate the Post-Pandemic World 2 days ago By Scott MorganAccording to a new survey by, millennial buyers are, more than older buyers, having to adjust what they’re looking for in a home.The report states that crushing student debt and smaller down payments are combining to leave millennials especially vulnerable to an already challenging market. About 80 percent of respondents to the survey told that rising interest rates and home prices are causing them to look for smaller or less expensive homes, or even to search in a different neighborhood to compensate. For millennials, the percentages rise past 92.”Existing debt and lower down payments,” said Danielle Hale, Chief Economist for, “won’t prevent millennials from finding and buying homes, but most will have to adapt to these challenging market conditions by adjusting their home search.”According to the survey, rising rates have a greater effect on millennials than on buyers 55 years or older. Thirty-seven percent of millennials said that they have to look for a less expensive home, compared to 24 percent of buyers 55 and older. Thirty-five percent of millennials have to look in a different neighborhood, compared to 18 percent of those 55-plus, and 33 percent of millennials have to look for a smaller home, compared to 23 percent of boomers.Millennial buyers are also more likely to report carrying each of the major categories of debt, according to the survey. Two-thirds to three-quarters of millennial responders said they had all the major kinds of debt to pay down—credit cards, car loans, personal loans, mortgage debt, home equity loans, and student loans. Above age 55, those numbers fall dramatically, to as low as 11 percent, depending on the type of debt.Compounding all this, reported, is the fact that millennials put the least amount down on a home. A third said they would only put down 10 percent, while only 17 percent of millennials said they would put down the standard 20 percent.On the other side of this equation, the survey found that one in four millennials are putting down more than 20 percent. That compares to one in three buyers over 55.Scott Morgan is a multi-award-winning journalist and editor based out of Texas. During his 11 years as a newspaper journalist, he wrote more than 4,000 published pieces. He’s been recognized for his work since 2001, and his creative writing continues to win acclaim from readers and fellow writers alike. He is also a creative writing teacher and the author of several books, from short fiction to written works about writing. April 6, 2018 2,548 Views About Author: Scott Morgan Demand Propels Home Prices Upward 2 days ago How Homebuying Millennials Must Adapt The Best Markets For Residential Property Investors 2 days ago Share Save Previous: As Jobs Grow, Home Listing Prices Follow Next: Major Metros Still Exhibiting Pockets of Affordability Scott Morgan is a multi-award-winning journalist and editor based out of Texas. During his 11 years as a newspaper journalist, he wrote more than 4,000 published pieces. He’s been recognized for his work since 2001, and his creative writing continues to win acclaim from readers and fellow writers alike. He is also a creative writing teacher and the author of several books, from short fiction to written works about writing. in Daily Dose, Featured, Journal, Market Studies, News Subscribe  Print This Post Governmental Measures Target Expanded Access to Affordable Housing 2 days agocenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Home / Daily Dose / How Homebuying Millennials Must Adapt The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Tagged with: Affordability Baby Boomers Home Prices Homebuyers Millennial Homebuyers Millennials Demand Propels Home Prices Upward 2 days ago Affordability Baby Boomers Home Prices Homebuyers Millennial Homebuyers Millennials 2018-04-06 David Wharton Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days agolast_img read more

Jammu & Kashmir High Court Seeks Government’s Response In Plea Against Separate Prosecution Wing For J&K

first_imgNews UpdatesJammu & Kashmir High Court Seeks Government’s Response In Plea Against Separate Prosecution Wing For J&K Akshita Saxena25 Feb 2021 1:31 AMShare This – xThe Jammu and Kashmir High Court has issued notice to the UT administration on a PIL challenging a Government Order for establishment of the J&K Prosecution Service. A Division Bench compromising of Chief Justice Pankaj Mithal and Justice Dhiraj Singh Thakur has asked the Government to file its reply in the matter, within a month. The development comes in a PIL filed by…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe Jammu and Kashmir High Court has issued notice to the UT administration on a PIL challenging a Government Order for establishment of the J&K Prosecution Service. A Division Bench compromising of Chief Justice Pankaj Mithal and Justice Dhiraj Singh Thakur has asked the Government to file its reply in the matter, within a month. The development comes in a PIL filed by Amit Pathania against Government Order dated September 30, 2019. The order issued after abrogation of Article 370, sought to create a separate prosecution Wing for the newly formed Union Territory. It proposed the establishment of the ‘J&K Prosecution Service’ in terms of the Supreme Court’s directions in SB Shahane & Ors. v. State of Maharashtra (AIR 1995 SC 1628). As per the Petitioner, the aforesaid service so created by the notification consists of members of J&K Police (Gazetted) service (Prosecution wing) and Prosecuting officers (Non-Gazetted) as its members. He contended that these persons are not eligible for appointment as Prosecutors in view of Section 24(7) of CrPC which provides that a person is eligible for appointment as Public Prosecutor /Additional Public Prosecutor only if he has been in practice as an Advocate for not less than seven years. He submitted, “J&K Prosecution Service Recruitment Rules, 2020 in Schedule II provide for appointment of Prosecuting Officers by direct recruitment from amongst the persons possessing Bachelor of Law (LLB) Degree of a University established by Law. The said Rule completely ignores seven years of practice as stipulated under sub-rule 7 of Section 24 of the Cr.P.C. and as is in conflict with the Code.” Taking these submissions into account, the Court said, “We deem it proper to call for a reply from the respondents…Additional Advocate General appearing for respondent nos. 2to 4 prays for and is allowed a month’s further time and no more to file response to the writ petition.” During the hearing, the Government drew the Court’s attention to Section 24(9) of CrPC and submitted that in view of the aforesaid deeming clause, a person who had been in service as Public Prosecutor or Additional Public Prosecutor or Assistant Public Prosecutor shall be deemed to be in practice as an Advocate and, therefore, the Police Officers who were working as Prosecuting Officers with a Degree of Law would be covered and eligible for appointment. The matter is now listed for hearing on March 15, 2021. Case Title: Amit Pathania & Anr. v. Union Of India & Ors. Click Here To Download OrderRead OrderSubscribe to LiveLaw, enjoy Ad free version and other unlimited features, just INR 599 Click here to Subscribe. All payment options available.loading….Next Storylast_img read more

College admissions council president shares latest on applications process amid coronavirus and what students should know

first_imgiStock/sshepard(NEW YORK) — Students and parents may be in need of new strategies and guidance as they navigate the college admissions process amid the coronavirus pandemic.Jayne Fonash, president of the National Association for College Admission Counseling, joined ABC News’ “Pandemic: What You Need to Know” to address some of the growing uncertainty surrounding the college application scramble due to COVID-19.“The COVID-19 epidemic struck at the time that high school seniors [were] making final decisions about enrollment for their studies for next year,” Fonash said. “The landscape is changing every day — so as college admission counselors and admissions officers we are challenged every day to look at this changing landscape and support students and provide information to help them make these important life decisions.”College-bound high school seniors have been directly impacted and are already seeing early implications that some campuses may not be open in time for their first fall semester.Boston University was one of the first schools in the U.S. to announce that instruction for its upcoming fall semester will not begin until January of 2021.So what will happen if university and college campuses are still closed when students are set to arrive?“I think that’s probably one of highest priority questions being addressed on college campuses right now because there are so many unknowns and until we have more medical information and more guidance on large gatherings,” Fonash said. “They’re addressing issues like, ‘will we open on time? Will there be a delayed opening later in the fall? Postpone to the second quarter or second semester? Will we open with a virtual campus?’”“And in addition to those questions about opening the schools, the admissions offices in particular are faced with questions about recruitment of the class of 2021,” she continued. “Will they even be able to travel? High school visits? College fairs? All of these questions are being addressed on a daily basis and schools are offering answers as soon as they’ve been able to make sound decisions.”As for current high school juniors who would potentially be in the beginning phases of their college application process, Fonash suggested staying in the know on all the latest testing requirements.“I would encourage them to be open-minded and to gather information through virtual platforms and to stay on top of announcements concerning standardized testing, as many colleges and universities are changing the use of standardized testing, at least for the fall of 2020 as they look at the next senior class,” she explained. Copyright © 2020, ABC Audio. All rights reserved.last_img read more

Generalized treatment of particulate scattering in Dobson ozone spectrophotometer calculations

first_imgIn the calculation of atmospheric total ozone from ultraviolet spectrometry, the particulate scattering term is usually regarded as a linear function of wavelength. A method due to R. E. Basher, in which it is treated as a quadratic polynomial, is here generalized to include a polynomial of any degree, and the quadratic approximation is seen to be somewhat arbitrary. It is shown that the determination of the quadratic and higher coefficients from Dobson spectrophotometer observations is limited by systematic errors of measurement, and that these errors are doubled or trebled by attempting to correct even for the quadratic coefficient. It is concluded that Basher’s method of calculation is at present inadvisable.last_img

BYU Men’s Basketball Faces UCLA At Maui Invitational Monday

first_imgNovember 25, 2019 /Sports News – Local BYU Men’s Basketball Faces UCLA At Maui Invitational Monday FacebookTwitterLinkedInEmailLAHAINA, Hawaii-Monday evening, BYU men’s basketball (3-2) commences its slate at the Maui Invitational by facing resurgent UCLA (4-1) at the Lahaina Civic Center for this annual pre-Thanksgiving tournament.The Cougars are coming off of a 72-68 overtime loss November 20 at Boise State and seek to rebound against one of the most storied programs in men’s college basketball.Under new head coach Mark Pope (3-2, .600 at BYU, 80-58, .580 as a collegiate head coach), has the Cougars averaging 71 points per game. This ranks them 213th nationally in scoring offense, tying them with Wofford.Senior guard Jake Toolson (16 points, 4.4 rebounds per game) is the Cougars’ statistical standout in the absence of star senior forward Yoeli Childs.Should the Cougars play three games at this tournament, Childs would be eligible to play in the following game, November 30 against Montana Tech at the Marriott Center. Childs is currently serving an NCAA-mandated 9-game suspension to commence the season.Senior guard TJ Haws (12 points, 3 rebounds per game, a team-best 18 assists) and junior guard Alex Barcello (11.2 points, 3.6 rebounds per game, a team-best 9 steals and 2 blocked shots) also score in double figures for the Cougars in Childs’ absence.BYU surrenders 68 points per game, tying them for 164th nationally with Georgia Tech, Tulane and Tennessee State.Senior forward Dalton Nixon has contributed as the Cougars’ leader in rebounds (5 per game).Under new head coach Mick Cronin (4-1, .800 at UCLA, 369-172, .682 as a collegiate men’s basketball head coach), the Bruins, per Cronin’s comments to Pac-12 Network analyst Casey Jacobsen, spell beautiful basketball “W-I-N.”The Bruins’ deliberate pace, a trademark of Cronin’s teams at Murray State and Cincinnati, score a respectable 74.2 points per game. This ties UCLA for 149th nationally with Butler, Saint Louis and The Citadel.Redshirt sophomore forward/center Jalen Hill (15.2 points, 9 rebounds per game [each team bests as well as a team-best 8 blocks]) is the Bruins’ overall statistical leader.Junior guard Chris Smith (14.8 points, 5.6 rebounds per game), redshirt senior guard Prince Ali (11 points per game, a team-best 12 steals) and redshirt sophomore forward Cody Riley (10.2 points per game) all average double figures for the Bruins.Redshirt freshman guard Tyger Campbell (a team-best 25 assists) has also shown his worth for the Bruins.Despite giving up 88 points to Hofstra November 21 in an 88-78 loss, the Bruins’ defense has been solid overall. UCLA currently surrenders 65.8 points per game. This ties the Bruins for 132nd nationally with Old Dominion, Rhode Island and Villanova.The Bruins lead the Cougars 12-11 all-time with UCLA leading the all-time series 7-4 at neutral sites. Written by Tags: BYU Men’s Basketball/Maui Invitational/UCLA Men’s Basketball Brad Jameslast_img read more

Worcester rebels over new hustings guidelines

first_imgThe controversy at Worcester has raised the question of appropriateness of hustings procedures within other JCRs. There is a concern among some that the culture surrounding hustings discourages students from running for JCR positions.Maanas Jain, Worcester finalist, acknowledged a difficulty with hustings culture in the university. He said, “even if one member of the JCR doesn’t’t feel comfortable standing because of it, then there is something institutionally wrong with what’s happening.”In an attempt to regulate the process, Rachel Cummings, OUSU VP Women, has produced a code of practice for hustings based upon the discussion among JCR Presidents. The document recommends that the chair should disallow inappropriate questions at husts. It also proposes non-serious questions to be subject to a time limit. Among questions deemed inappropriate are those which include personal attacks, college gossip and sexual references. A ban on alcohol and nudity during hustings has also been suggested.Many colleges are rethinking the structure of JCR hustings as concerns are pouring over the appropriateness of tasks to the positions. St Peter’s has recently completed a major overhaul in the structure of hustings. JCR President Sanjay Nanwani explained that the college has “disallowed questions and tasks that may be deemed as humiliating, intimidating or unreasonable.”However, despite the rule changes one second year student recounted, “Still, our entz rep candidate was asked by a third year ‘would you rather have sex with your dog whilst your dad watches, or with your dad whilst your dog watches?’”Many have argued that the reason for livening up hustings is to encourage students to attend the meeting, which often suffer from a lack of interest. One Magdalen first year commented, “Our hustings are both uncontroversial and poorly attended”.In St Anne’s college, the candidates for the JCR president have to fight to take each other’s shoes off. In last week’s St Catherine’s elections, those standing for the position of the president had to persuade staff at Oddbins to let them borrow a ladder. They then had to call the JCR President at another college to discover one controversial thing about them and about the current Catz President.Roland Lasius, a candidate at St Catz for JCR President commented that such tasks “can play a healthy role in college politics”, yet warned that they “cannot become a merely entertainment commodity”. He said, “Good hustings would serve as the bedrock for an inviting, positive and productive JCR.”Alex Bulfin stated that Univ JCR has sought to ensure that hustings are as “undaunting and as fun as possible”. He explained that the candidates for Bar Rep were asked to make, rather than down, cocktails for the rest of the JCR to sample. Worcester JCR has been forced to overhaul the format of its hustings following several complaints from college members. The new reforms have sparked a backlash among the students.The new guidelines require an SCR member to be present at hustings after students voiced objections about last term’s hustings which saw female candidates for the position of secretary asked to drink half a bottle of wine each and perform a lap dance for the JCR President.Other contenders were forced to “down dirty pints” in front of the attendees and to simulate sexual positions.The observing SCR member will have to record tasks which “might contravene college standards,” whilst the JCR Secretary will record the names of the individuals making each request. The JCR President will also have to inform everyone present about the college policy on equal opportunities.Students opposed to the rule change have set up an autonomous protest group called Worcester Students for Justice, to “make sure the SCR are clearly aware of the anger of Worcester students at the current state of affairs.” They proposed a motion at last Sunday’s JCR meeting to protest against a “dictatorial and aggressive SCR” that had “progressively destroyed” the “rights and liberties” of the Worcester JCR. The motion to campaign for a rule change was passed by a two thirds majority.One first year stated that the SCR’s decision showed them “overstepping their mark”. She added, “I think people shouldn’t be allowed to ask questions which clearly humiliate a candidate, but it’s more a matter of judgement; a better solution would be to make sure the President did their role of vetoing inappropriate questions.”David Barclay, Worcester’s JCR President, told the governing body that he was happy to draw up guidelines for future hustings, but requested that they “trust that we understand the importance of hustings and the terrible effects of harassment and intimidation.”He admitted to Cherwell that some of the hustings had got “fairly rowdy” and had “alienated a minority and may have contravened equal opportunities legislation.” However, he added that many students feel “profoundly patronised” by the new move.last_img read more

ABF warns of lower profit for Kingsmill, amid competitive market

first_imgAssociated British Foods (ABF) has said the UK bakery market “remains intensely competitive” and expects Kingsmill owner Allied Bakeries’ profit to be lower than last year as a result. ABF’s preclosing statement for its interim results to 28 February 2015 comes after the price of several branded and supermarket own-brand loaves were slashed to just 75p. Last week Sainsbury’s cut the price of 800g Hovis white and wholemeal and 750g Best of Both loaves to 75p, as well as nine of its own-label loaves from 75p to 55p, according to British Baker’s sister title The Grocer.The statement said: “The UK bakery market remains intensely competitive, with a combination of over-capacity in the industry driving manufacturers towards marginal pricing, and retailers seeking to prove their value credentials in essential shopping items such as bread. “As retailers drive for value and range simplification, already tight margins have come under further pressure and Allied Bakeries’ profit will be lower than last year as a result.”Elsewhere, ABF reported that its underlying trading remained in line with expectations, with revenue from its sugar segment “substantially lower” than last year in the first half of the year, though profitability is expected to be close to break-even. EU sugar prices have been lower in the period leading to lower revenues and margins for both the UK and Spain, though there has been some stabilisation of late. AB Sugar has focused on managing its cost base with improvement programmes across all businesses, overhead reduction and lower beet and cane costs.A “marginal decline” is expected in adjusted earnings per share for the group for the full year.Since its acquisition last October, Dorset Cereals has traded well and its integration with Jordans Ryvita is on track.ABF’s interim results to 28 February 2015 are scheduled to be announced on 21 April.last_img read more

NI bakery at centre of same-sex cake row reports profit growth

first_imgCo Antrim-based Ashers, the Christian bakery at the centre of a landmark legal battle after it refused to bake a cake promoting same-sex marriage, has seen its profits rise.Ashers lost a Court of Appeal case last year after it was found by the Equality Commission to have breached equality laws by refusing to bake a cake with a slogan supporting same-sex marriage.The family-owned firm has posted profits of £1.5m for the year to 31 March 2016 – up from £1.3m the previous year – in filings made at Companies House earlier this year.Ashers, which has seven outlets across Northern Ireland and delivers throughout the UK and the Republic, is run by husband and wife Daniel and Amy McArthur.The bakery chain was issued with legal proceedings after the Equality Commission stepped in and said it had discriminated against gay activist Gareth Lee.The organisation argued that the business, despite being founded and run by a Christian family, had no right to refuse Lee’s request for a cake bearing an image of Sesame Street characters Bert and Ernie alongside the message ‘Support gay marriage’.Ashers was eventually found guilty of illegal discrimination at Belfast County Court following one of the highest-profile cases in Northern Ireland in recent times.The McArthurs are now considering whether to make an appeal to the Supreme Court. The McArthurs and the Christian Institute, which supported them, are liable for costs that are estimated to be in excess of £150,000.Ashers now states on its website that people must not send content or images for cakes which contain any “threatening, defamatory, blasphemous or pornographic material”.The bakery hit the press again last week after refusing an online order for a cake decorated with the words ‘Gay Marriage Rocks’.The Supreme Court is scheduled to consider a lower court’s judgement that Ashers was discriminatory – a two-day hearing for legal arguments has been listed for October.last_img read more

Phil Lesh Celebrates 79th Birthday With Help From Friends At The Capitol Theatre [Videos]

first_imgPhil Lesh was back at The Capitol Theatre in Port Chester, NY on Friday to celebrate his 79th birthday amongst a group of his musical friends and the always-faithful legion of Grateful Dead fans. Lesh was joined again for the second night of his three-show birthday run at the historic venue by an all-star backing band comprised of Benmont Tench, John Scofield, Jackie Greene, his son Grahame, and John Molo.Related: Phil Lesh Opens The Capitol Theatre Birthday Run With Lively Mix Of Grateful Dead FavoritesLesh and friends started the night with “Liberty”, the title track from Robert Hunter‘s 1987 solo album. The first half of the show continued with “Casey Jones”, followed by “Mississippi Half-Step Uptown Toodeloo” featuring Phil on lead vocals, which transitioned right into a cover of Jerry Garcia‘s “Loser”. The band then returned to the Dead catalog to close out the first half of the show with “New Minglewood Blues” into “West L.A. Fadeaway”, followed by a lively rendition of “Bertha” featuring Grahame Lesh on vocals to send the audience into the set break. Fans can check out the video below to watch the band’s rendition of “Mississippi Half-Step Uptown Toodeloo” from Friday’s show.Phil Lesh & Friends – “Mississippi Half-Step Uptown Toodeloo” – 3/15/2019[Video: Sean Roche]The birthday celebrations continued as the band returned to start the second half of Friday’s show with “Playing in the Band”, which transitioned right into “Shakedown Street”. The band jammed their way through the 1978 Dead disco tune before returning to “Playing in the Band”. The second half of the show powered on with the classic two-song combination of “Help on the Way” into “Slipknot!”, which then continued into “Mountains of the Moon”, the mystic, early-Dead tune from the band’s 1969 Aoxomoxoa album. Phil then returned to the mic to belt out his beloved ballad, “Unbroken Chain”, a fitting performance for the birthday boy who has spent his life “searching for the sound.”The second set came to a thrilling climactic end beginning with “He’s Gone” with Grahame and Jackie Green sharing vocals, followed by the psychedelic anthem, “The Other One”, and closing out with “New Speedway Boogie”. Fans can watch the video below to relive the second set performances of  “Help on the Way” > “Slipknot!”.Phil Lesh & Friends – “Help on the Way” > “Slipknot!” – 3/15/2019[Video: Sean Roche]The band returned to the stage for a two-song encore beginning with a cover of The Crickets‘ “Not Fade Away” before sending the audience home on a touching note with a performance of “Ripple”. As expected, the night wasn’t without its share of birthday moments, which included a huge birthday banner hung from the front face of the venue balcony, and Grateful Dead-themed projections lighting up the upper walls of the old venue. Pete Shapiro also ended up making his way to the stage to present Phil with an enormous birthday cake, as the two shared a hug and a smile to close out the night. Lesh will return for the third and final show of his weekend birthday run at “The Cap” on Saturday night, where he’ll be joined by Tench, Greene, Luther Dickinson, Amy Helm, Grahame Lesh, Molo, and Sisters of the Strawberry Moon.Setlist: Phil Lesh & Friends | The Capitol Theatre | Port Chester, NY | 3/15/2019Set One: Liberty (Robert Hunter cover), Casey Jones, Mississippi Half-Step Uptown Toodeloo > Loser (Jerry Garcia cover), New Minglewood Blues > West L.A. Fadeaway, BerthaSet Two: Playing in the Band (Bob Weir cover) > Shakedown Street > Playing in the Band (reprise), Help on the Way > Slipknot! > Mountains of the Moon > Unbroken Chain, He’s Gone > The Other One > New Speedway BoogieEncore: Not Fade Away (The Crickets cover), Ripplelast_img read more

Chicago Cubs Announce 2nd Annual Grateful Dead Night

first_imgProfessional M.L.B. franchise the Chicago Cubs recently announced their second annual Grateful Dead night, scheduled to take place at the team’s game against the L.A. Dodgers on Wednesday, April 24th at Chicago’s Wrigley Field.In addition to a ticket to the game, fans who purchase the Cubs’ special ticket offer will receive a double-sided, seven-inch vinyl record featuring two live Grateful Dead cuts. Pressed at Jack White‘s Third Man Pressing in Detroit, Michigan, the limited-edition vinyl record is only available as part of this special ticket offer. “Side A” includes the Grateful Dead’s performance of “Brown-Eyed Women” at Chicago’s Auditorium Theatre on May 13th, 1977, and “Side B” covers the Dead’s version of “Cumberland Blues” from the same venue on October 22nd, 1971.Ticket holders are also invited to stop by Gallagher Way to enjoy a pregame concert by Mr. Blotto.The Cubs join fellow baseball teams the St. Louis Cardinals and Brooklyn Cyclones, as well as the Detroit Red Wings and Florida Panthers, in celebrating the Grateful Dead and their music this year at sporting events.A portion of the Chicago Cubs’ net proceeds from Grateful Dead Night will be donated to the Grateful Dead’s Rex Foundation.Head here for tickets to the Cubs’ 2019 Grateful Dead Night.last_img read more