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[ad_1] Strong exports likely boosted Indonesia's economy in Q3 – Reuters poll [ad_2] Source link

[ad_1] Record-high mortgage rates have frozen the housing market, forcing loan officers to find business outside their wheelhouses. Despite new language in the Federal Open Market Committee statement that suggested a potential slowdown in curbing inflation, Federal Reserve Chairman Jerome Powell maintained a hawkish tone on raising the federal funds rates during Wednesday’s press conference. And with Fed rates expected to rise even further, industry experts and economists don’t expect mortgage rates to stabilize for at least another year. “Even with the Federal Reserve raising its short-term fed funds rate by another large amount, longer-term interest rates look to move only slightly,” Lawrence Yun, chief economist at National Association of Realtors, said. Once inflation is contained, mortgage rates will start to drift lower. It may be another year or two before that happens.  Lawrence Yun, chief economist at the National Association of Realtors Mortgage rates, which are currently near a 22-year high, declined slightly from last week ahead of the Fed’s sixth rate hike announcement. The average contract interest rate for 30-year fixed-rate mortgages with conforming loan balances ($647,200 or less) decreased to 7.06% on Wednesday from last week’s 7.16%, according to the Mortgage Bankers Association.  The Fed’s short-term rate does not directly impact long-term mortgage rates, but it does steer market activity to create higher rates and reduce demand.  “While the mortgage market has already priced in the latest Fed move, mortgage rates are still at 20-year highs that hurt homebuyers. Once inflation is contained, mortgage rates will start to drift lower. It may be another year or two before that happens,” Yun said. The fresh language in the policy statement noted that the Fed is considering the “cumulative” impact of its hikes so far when determining future rate increases. Still, Powell presented a different tone in his press conference, indicating that thoughts of a potential pause would be premature. “Bond yields fell after the Fed made their statements about raising rates and then shot back up after Jay Powell talked about higher rates for longer,” said Logan Mohtashami, lead analyst at HousingWire. “Tiny movement in bond yields from the start of the day but wild intraday action. Rates can end up slightly higher today if this slightly higher bond yield sticks.” An occasional slip in mortgage rates is “inexplicable” on an upward trend that began almost a year ago, said Holden Lewis, home and mortgage expert at NerdWallet. “The Federal Reserve clearly intends to keep raising short-term interest rates, which will raise the floor for mortgage rates,” Lewis said. “A housing recession is here” For home shoppers and sellers, mortgage rates have been quick to adjust higher in response to expected Fed moves, said Danielle Hale, chief economist at Realtor.com. “In the last 12 weeks alone, mortgage rates have soared more than two percentage points, cutting significantly into homebuyer purchasing power and likely causing shoppers to revisit their budgets,” Hale said. The question is, when will the Fed pivot and indicate a pause, or at least significantly reduce its pace of increases Marty Green, Principal at Polunsky Beitel Green Existing home sales declined for the eight consecutive months in September, dropping to 4.71 million units from 6.18 million in September 2021. As of September, the median home price was $384,800 for existing homes of all types, an 8.4% increase year over year compared to September 2021, when the median home price was $355,100, according to the NAR.  A housing recession is here, Marty Green, principal at Polunsky Beitel Green, emphasized.  The swift jump in interest rates have dampened potential homebuyers’ willingness or ability to enter the market, and potential home sellers who are locked in to super low rates are not willing to reduce sales prices materially enough to motivate buyers, according to Green.  “The question is, when will the Fed pivot and indicate a pause, or at least significantly reduce its pace of increases,” Green said. Mohtashami also pointed in his recent commentary to a housing recession, citing falling sales, production, jobs and incomes in the housing sector. What the difference is in this “traditional housing recession” from the housing bubble years, is high household balance sheets and no credit stress.  “They (Fed) know housing is in recession already, but they don’t care because they don’t see a credit bust or a job loss recession yet,” Mohtashami said.  Goldman Sachs expects that the FOMC is leaning toward slowing the pace of tightening to 50 bps in December. The good news is sellers who are more realistic will try to beat the market. Mitch Burns, a real estate agent with Engel & Völkers Roger Ferguson, former vice chairman of the board of governors of the U.S. Federal Reserve System, believes the Fed will raise interest rates by 50 bps next month, along with two 25 bps hikes at the start of 2023.  Tables have turned for some sellers  With mortgage rates more than doubling this year, and with rates expected to climb further in the coming months, sellers are becoming more realistic. Buyers, on the other hand, are more in tune with higher mortgage rates and have more leverage in the market, loan originators and real estate echoed. “It is no longer a seller’s market,” said Nick Smith, founder at Rice Park Capital Management. “Days on market for homes that are sold, number of homes receiving multiple offers, mortgage applications, and actual home sales – they have all moved in a negative direction.” “The good news is, sellers who are more realistic will try to beat the market,” Mitch Burns, license partner at real estate advisor at Engel & Völkers, said. “After 30 days, if the seller had not had an offer after maybe 10 showings, we’ll make an adjustment to drop the price.” This translates to borrowers’ increased negotiating power, which they did not have when rates were in the low 3% levels at the start of the year. If a home has been on the market for over a month, borrowers get quite a bit

[ad_1] If you’re new here, I practice the Buy Ahead Principle — which means that what we buy each week is often for future weeks. We stock up on the best deals and markdowns each week and that means that we then have a variety of items from previous shopping trips to use to plan a menu from. With the increase in grocery prices, I’ve decided to raise our grocery budget to $100 a week because I’ve not been having enough wiggle room to stock up like I’d want to. This amount will still challenge me to be creative while also giving me enough breathing room to stock up and continue to practice the Buy Ahead Principle. In addition to practicing the Buy Ahead Principle, I Reverse Meal Plan. This means that I plan based upon what we have on hand plus what good sales/markdowns I found at the stores. (Read more about Reverse Meal-Planning here.) {Follow me on Instagram stories for real-time videos on what I’m buying if you don’t want to have to wait for me to get the post written up for the blog!} I was $50 under-budget this month, so I rolled it over to this week. Kroger had peppers for $0.99 — a little less expensive than usual and something Kierstyn and I love having for lunches or we eat them sliced for snacks. Silly faces in the grocery store! Kroger also had butter priced at $3.49 this week. It’s been $3.99 recently so I was excited for a little savings on a staple item we use a lot of at our house! Avocados were on sale again — this time for $1.99 for 4. I stick them in the fridge until I am ready for them to ripen and then stick them out on the counter for a day or two until they are soft. Then I stick them back in the fridge as this stops their ripening and prolongs their life by quite a bit. I can usually keep them for 2-3 weeks this way! My kids were very excited about the chocolate milk deal! I was most excited about marked down flowers! I got two bunches for just $1 each!! Blueberries were $3 for 18 oz. and the frozen pizzas were $2.99 each. (I like to keep these on hand for quick dinners or snacks for the kids. These are especially great if they have friends over at the last minute!) These taco kits were marked down to just $0.99!! We had some ground pork and turkey I’d gotten marked down and frozen + taco seasoning I’d gotten marked down, so I bought lettuce and tomatoes and we used cheese we had on hand and paired this with the taco kits to make tacos and taco bowls for dinner last night. The ice cream sandwiches were $1.99/box and ice cream was $1.99/carton. And the pears were $2.50 for two pounds. We spent around $98 and change at Kroger and then bought eggs from friends who have chickens for $10 — so a little under $109 total! [ad_2] Source link

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[ad_1] If you’re looking for a simple life insurance policy that you can obtain quickly and for the lowest possible premium cost, you need to check out Ladder Life. They offer a streamlined, all-online application process that can get your application approved in a matter of minutes. And many applicants will not be required to take a medical exam. But the most unique feature of Ladder Life is the ability to either increase or decrease your coverage, as needed. If you need more life insurance coverage, once you have a policy in place, you can increase the death benefit. But if your need for coverage declines, you can reduce the death benefit. That puts you in charge of both the face amount of the policy and the premium you’ll pay. #ap68635-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap68635-ww #ap68635-ww-indicator{text-align:right;color:#4a4a4a}#ap68635-ww #ap68635-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end;margin-bottom:8px}#ap68635-ww #ap68635-ww-indicator-wrapper:hover #ap68635-ww-text{display:block}#ap68635-ww #ap68635-ww-indicator-wrapper:hover #ap68635-ww-label{display:none}#ap68635-ww #ap68635-ww-text{margin:auto 3px auto auto}#ap68635-ww #ap68635-ww-label{margin-left:4px;margin-right:3px}#ap68635-ww #ap68635-ww-icon{margin:auto;display:inline-block;width:16px;height:16px;min-width:16px;min-height:16px;cursor:pointer}#ap68635-ww #ap68635-ww-icon img{vertical-align:middle;width:16px;height:16px;min-width:16px;min-height:16px}#ap68635-ww #ap68635-ww-text-bottom{margin:5px}#ap68635-ww #ap68635-ww-text{display:none}#ap68635-ww #ap68635-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap68635-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap68635-w-map #ap68635-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap68635-w-map #ap68635-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap68635-w-map #ap68635-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap68635-w-map #ap68635-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap68635-w-map #ap68635-w-map-map svg{position:absolute;left:0;top:0}#ap68635-w-map #ap68635-w-map-map svg path{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap68635-w-map #ap68635-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap68635-w-map #ap68635-w-map-map svg g rect{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap68635-w-map #ap68635-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap68635-w-map #ap68635-w-map-map svg g .ap00646-w-map-state{display:none}#ap68635-w-map #ap68635-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap68635-w-map #ap68635-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap68635-w-map #ap68635-w-map-map svg g:hover{cursor:pointer}#ap68635-w-map #ap68635-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap68635-w-map #ap68635-w-map-map svg g:hover text{fill:#fff}#ap68635-w-map #ap68635-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap68635-w-map #ap68635-w-map-btn{padding:9px 41px;display:inline-block;color:#fff;font-size:16px;line-height:1.25;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap68635-w-map #ap68635-w-map-btn:hover{color:#fff;background-color:#508fc9} If you're concerned about your family's wellbeing, Life Insurance can give you some peace of mind. Should anything happen to you, you'll want to leave your loved ones a financial nest egg for their wellbeing. Click on your state to find out more. HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas Get a Free Quote Ladder Life Insurance Ladder Life is an online life insurance provider, offering coverage through established life insurance companies. Those include Allianz Life Insurance Company of New York, Fidelity Security Life Insurance Company, and Allianz Life Insurance Company of North America. The entire application process takes place online. If needed, you’ll have assistance from licensed insurance professionals. Those professionals work on salary, not commissions. They won’t try to sell you more insurance than you need, or other products designed primarily to enhance their own incomes. Ladder Life Products Ladder Life offers a single life insurance type – term. But the company offers policies with a twist. Once you have a policy in force, you can increase or decrease the amount of the death benefit, as well as the premium. Policy Types Ladder Life offers only term life insurance policies. This is partially true because term is the least expensive life insurance type. But another factor is that whole life policies are more complicated than term. Ladder’s whole mission is to provide the lowest-cost policies in the shortest amount of time possible. Term life insurance best fits that product type. When applying with Ladder Life, you should be aware the company does not offer policy riders. These are optional additional coverage provisions that provide more benefits but at a higher premium. That higher premium is the reason why Ladder Life doesn’t offer them. But one major provision Ladder Life has that’s nearly unique in life insurance is the ability to increase or decrease your policy coverage amount. That’s why the term “ladder” is in the company name. If you have a need to increase your policy amount several years after taking a policy, you can “ladder up” the death benefit amount. Conversely, if your need for life insurance coverage declines, you can lower the death benefit – or “ladder down” the policy amount. You can do either simply by visiting the Ladder Life account page. Naturally, if you ladder up the policy amount the premium will increase. And if you ladder down the death benefit, the premium will decrease. That puts you in control of both the face value of a policy and the premium you will pay. Terms Ladder Life uses a single, simple calculation to determine the maximum term length of a policy. Your current age, plus the term length cannot exceed 70. For example, if you’re 40, the longest term length is 30 years, since 40+30 = 70. If you’re 50, the longest term is 20 years, since 50+20 = 70. They offer terms ranging from 10 years to as long as 30 years, in five-year increments. Thus 30 years is the maximum term you can qualify for, regardless of your current age. The policy will be underwritten based on your nearest birthday. For example, if you will be 45 in four months, your age will be considered 45 years, not 44. Cost Like all life insurance policies, Ladder Life policy premiums will depend on a combination of factors. Those include your age at the time of application, health condition, occupation, hobbies and pastimes, and even geographic location. We requested information for a non-smoking 40-year-old male in excellent health, with no family history of major illnesses, and we received the following quotes for $1 million in coverage: 10 years – $37.50 per month 15 years – $47.70 per month 20 years – $61.80 per month 25 years – $96.90 per month 30 years – $114.30 per month We then requested a policy for a non-smoking 40-year-old female in excellent health, with no family history of major illnesses, and we received the following quotes for $1 million in coverage: 10 years – $35.40 per month 15 years – $46.80 per month 20 years – $52.50 per month 25 years – $77.10 per month 30 years – $88.50 per month The monthly premiums for men are slightly higher than they are for women, which is common throughout the life insurance industry. This owes to the fact that women statistically live longer than men by several years. The premium rate increases with the term of the policy due to the fact that the longer the term, the greater the likelihood the

[ad_1] This Unfinished Wood Christmas Tree Forest is so pretty! Jane has these Unfinished Wood Christmas Tree Forest (Set of 5) for just $11.99 right now! This set of 5 unfinished trees are just waiting for you to add your own personal touch! You could make them traditional or funky, Christmas-y or winter-y; it’s completely up to you! Paint them, stain them, or just leave them all natural! Shipping is $4.49 for the first set and $3.99 for each additional set shipped within the same order. Psst! We love Jane! Looking for other great Jane deals? Check out our custom Jane page for more of our hand-picked favorite deals each day! [ad_2] Source link

[ad_1] Marketmind: Turn, turn … turn? [ad_2] Source link

[ad_1] Grab free Carefree Pantiliners at CVS! You can get free Carefree Pantiliners 20-Count at CVS! Here’s how: Buy 2 Carefree Pantiliners Long (20 ct) – $1.99 eachBuy One Get One 50% OffPay $2.99, Get Back $3 ExtraBucks for buying 2 (limit 1)Free after ECBs Thanks, Free Stuff Finder! [ad_2] Source link

[ad_1] Match Group PT Lowered to $70 at Piper Sandler [ad_2] Source link

[ad_1] I was really sick last week so didn’t make it to the grocery store and just did a Walmart order instead. It was nice to finally get back into the stores and get some great deals this week! Aldi 2 dozen Eggs – $2.50 each 2 Half & Half – $2.39 each 1 Olive Oil – $2.85 1 Grape Jelly – $1.99 1/2 gallon Milk – $1.83 1 Peanut Butter – $1.69 1 can Pumpkin – $1.15 2 pkg MooTubes – $1.55 each 1 lb Butter – $3.98 1 bag Frozen Strawberries – $3.35 1 Applesauce Cups – $1.45 1 bag Frozen Chicken Breasts – $9.49 1 bag Kettle Chips – $1.65 1 bag Mini Cucumbers – $1.89 1 bag Shredded Cheese – $2.99 1 bag Baby Carrots – $0.95 2 pkg Zucchini – $2.28 and $2.21 1 Baking Powder – $1.45 2.84 lbs Red Grapes – $3.95 1 pkg Bagels – $1.79 1 loaf Bread – $0.99 2 pkg Chocolate Chips – $1.99 each 1 pkg Peanut Butter Crackers – $1.15 1 pkg Fruit & Grain Bars – $1.49 Total: $67.43 Harris Teeter 2 bags Unbleached Flour – $1.99 each 1 bag Sugar – $1.47 2.29 lbs Ground Beef – $6.85 1 bag Pears – Marked down to $0.99 1 huge bag Bananas – Marked down to $1 Total: $14.29 Ingles 5 lbs Apples – $3.98 1 huge carton Organic Spinach – Marked down to $1.99 1 pkg Bacon – $4.98 4 boxes Annie’s Mac & Cheese – $0.98 each Total: $14.87 United Grocery Outlet 4 Lunchables – Marked down to $0.50 each 1 pkg Deli Meat Ham – $1.99 1 pkg Pie Crusts – $1 3 Dole Mandarin Oranges – $1 each Total: $7.99 Total for all groceries: $104.58 Menu Plan for This Week Breakfasts Cereal, Eggs, Bacon, Yogurt, Bagels, Pumpkin Muffins, Fruit/Spinach Smoothies Lunches Lunchables/Veggies, Mac & Cheese/Grapes x 2, Peanut Butter & Jelly Sandwiches/Chips/Carrot Sticks x 2, Ham Sandwiches/Mandarin Oranges/Sliced Pears, Leftovers Dinners Grilled Pork Chops (from freezer), Fried Potatoes, Fried Apples, French Bread (from freezer) Chili, Corn Chips, Sliced Apples Barbecue Chicken, Biscuits Hamburger Vegetable Soup, Homemade Rolls, Sliced Apples Waffles, Eggs, Bacon, Fruit Smoothies Meatloaf, Mashed Potatoes, Homemade Bread, Spinach Salad Cheese Pizza, Breadsticks, Tossed Salad [ad_2] Source link