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[ad_1] This week’s HW+ member spotlight features Vicki Brown, executive vice president of Client Relations at LoanCare. HW Media: What is your current favorite HW+ article and why? Vicki Brown: I love to read about opportunities to enhance the customer experience because that’s really what our business is about, supporting customers throughout their home ownership journey.  From originations to servicing, we are there to support our customers and that is what makes the mortgage industry special.  HW Media: What is the best piece of advice you’ve ever received? Vicki Brown:  When I first started in the mortgage business, I was very young and was learning the business.  At the time, I would often get stressed out when I did something wrong. I had the most amazing mentor at the time who told me to ask myself, “Will this matter tomorrow, next week, or in a month?” In simple terms, do your best, own it, learn from your mistakes, and move forward.  And always treat everyone with respect along the way. HW Media: If you could pick a different career path, what would it be? Vicki Brown:  I would choose a career in animal welfare. I would perhaps become a veterinarian or own and run an animal shelter. I currently have two shelter dogs that I adopted: Trey – a 3-legged Pitbull who is 15 years old; and Rosie – a 5-year-old Foxhound mix who had never lived in a house before. Rosie always lived outside and was on the euthanasia list. I somehow thought to myself she would be so grateful, that she would be good. Jokes on me! HW Media: When do you feel successful in your job?  Vicki Brown: The aha moment happens when a new approach, product idea or service enhancement results from a combination of insight, expertise, and experiences that only a true collaboration between business partners and team members can achieve. Connecting with people is the most important part of any relationship — especially in our business. HW Media: What do you think will be the big themes for the housing market in 2022? Vicki Brown: The change in the market after the pandemic has been challenging for lenders. With interest rates and the cost of servicing going up, people across the industry are really trying to become more efficient by using technology and analytics to drive their business, optimize services and develop enhanced solutions for customers and lenders. For us, this means continuing to focus on our proprietary data analytics platform which offers the most transparency available on servicing operations and metrics to help business partners predict opportunity and risk across their portfolio using data-driven insight. It also means providing the service and technology that supports the pivot in product needs for our clients and giving their customers the service they expect today. We’ve been servicing HELOCs, including open-ended, second liens, construction loans and loss mitigation solutions for years. We’re here to help support those capabilities as well as new programs effectively and efficiently. HW Media: What keeps you up at night and why? Vicki Brown:  As the leader of our subservicing relationships, I am always focused on our partnerships. There are many options for lenders today and providing a transparent solution is critical to any successful relationship.  Keeping our clients abreast of the ever-changing regulatory environment and offering great service, creative customer support, and technology solutions to ensure their success is what I continually think about. It is the most important aspect of our business.    Register here to watch HousingWire Annual: The Remix, a virtual event showing impactful sessions online, go here. To become an HW+ member, click here. For more information on HW+ benefits, click here. The post HW+ Member Spotlight: Vicki Brown appeared first on HousingWire. [ad_2] Source link

[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’m a little late in getting this posted — as I bought all of this last Friday! — but hey, better late than never, right?! We have been loving getting fresh eggs and milk! I’m so excited to have finally found some good sources for these! This week, we bought two dozen eggs from our friends who have chickens ($5/dozen) + we went to the local farm to pick up milk ($5/gallon) and they also had fresh eegs for $3/dozen (!!!) and ground sausage from a local farm for $3/pound. At Kroger, my biggest score was 11 packages of uncured ham marked down to $1/package (regularly $4.69!). I stuck these in the freezer to use for sandwiches, homemade hot pockets and more! They also had blueberries for $2.99, orange juice for $1.29/half gallon, and 32-oz blocks of cheese for $5.99. The big jars of jelly were marked down to $1 each and the cereal was $1.99 each. All total for all these groceries from Kroger + friends + the local farm, it was around $98. Here’s What We Ate Breakfasts —Cereal, Scrambled Eggs, Oatmeal, Baked Oatmeal Lunches (the older kids have lunch at school) — Fried Eggs, Yogurt, Toast, Hard-Boiled Eggs, Fruit, Leftovers, Bagged Salad, Peppers, Cheese Snacks — Fruit, Cheese, Chocolate Milk, Banana Chocolate Chip Muffins, Hot Cocoa Dinners  Sunday: Picnic Lunch (ham and PB sandwiches), Pancakes for dinner Monday: Sloppy Joes, Pickles, Salad, Fruit Tuesday: Frozen Pizza Wednesday: Chicken Broccoli Rice, Rolls, Fruit Salad Thursday: Bean & Cheese Burritos with chicken, Fruit Friday: Homemade Barbecue Chicken Pizza, Fruit Saturday: Dinner out [ad_2] Source link

[ad_1] Take Five: Calm or calamity? [ad_2] Source link

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[ad_1] SpaceX capsule leaves Space Station, to bring 4 astronauts back to Earth [ad_2] Source link

[ad_1] Kyle Prevost, editor of Million Dollar Journey and founder of the Canadian Financial Summit, shares financial headlines and offers context for Canadian investors. U.S. earnings remain strong It looks more and more likely that companies in North America will start to see their profits decline at some point in the next year or so. By and large though, it doesn’t appear we’re at that point just yet. (All values are in U.S. currency unless otherwise stated.) Pepsi (PEP/NASDAQ) kicked off the earnings season with a substantial earnings beat, cashing in to the tune of $1.97 in earnings per share (versus $1.84 predicted). Revenues were also strong at $21.97 billion (versus $20.84 billion predicted). Shares were up 4% on Wednesday after the earnings report. Delta’s earnings (DAL/NYSE) arrived on time, coming at $1.51 per share (versus $1.53 predicted) on $12.84 billion in revenues (versus $12.87 billion predicted). The massive airline credited a strong international demand (specifically to Europe) for its increased profits. Given the increased value of the U.S. dollar versus the euro and the pound, that trend should continue. Delta announced that its pre-pandemic capacity should be fully restored by next summer. Delta stock finished Thursday up 4%. As the world’s biggest asset manager (at one point managing $10 trillion, or roughly a quarter of the entire planet’s assets), BlackRock’s (BLK/NYSE) financial health is often looked at as a bellwether for the broader economy. While BlackRock announced a very solid quarter, it did forecast some strong economic headwinds. Earnings per share were $9.55 (versus $7.93 predicted). While the company was obviously happy to announce such a strong earnings report amidst declining expenses, revenues were down 14.6% on a year-over-year basis. Critics will note the value of assets under management slid to $8 trillion (below the $8.3 trillion predicted by analysts). Falling equities markets have evidently taken their toll on Blackrock investors, but management can’t be too worried as they announced more than $375 million in share buybacks for the quarter. Shares were up 6.63% at market close on Thursday after the earnings announcement. Taiwan semiconductor beats estimates but forecasts a shaky future Taiwan Semiconductor Manufacturing Company (2330/TWSE) is one of the most unique companies on the planet. (You read that right, 2330 is the ticker. It also trades as an ADR on the NYSE under the ticker TSM.) As the king of semiconductors, this global behemoth supplies the world’s tech heavyweights (ahem, Apple, Intel, Nvidia and Qualcomm) with the chips needed to create hardware. TSMC isn’t just the biggest chipmaker, it’s pretty much an island, as there isn’t even a real competitor for the company. It’s notable that the third biggest chipmaker, UMC, is also Taiwanese. TSMC is absolutely dominant when it comes to the most advanced processing techniques. The company has roughly 55% of the global market for contract chip fabrication. For comparison’s sake, all of OPEC (Saudi Arabia + 12 other oil-exporting countries) supplies roughly 40% of the world’s oil. TSMC is so powerful and its expertise so essential to the world economy, that it is often called “a silicon shield,” in reference to the company’s value to the Chinese supply chain. The theory is that mutually assured economic destruction might be more successful at preventing invasion than old-fashioned kinetic deterrents.   Soure: CNBC Given the market cap of the company is roughly $327 billion—making it the 14th largest company in the world—it should come as no surprise TSMC makes up a substantial portion of many exchange traded funds (ETFs). It sits atop the iShares MSCI Emerging Markets ETF (EEM/NYSE) making up 5.85% of the fund. TSMC also makes up 21.3% of the iShares MSCI Taiwan ETF (EWT/NYSE) and 3.69% of the iShares Semiconductor ETF (SOXX/NASDAQ). Consequently, even if TSMC isn’t exactly a household name in your house, if you’re an ETF investor, you might own more of it than you’re aware of. On Thursday morning, TSMC announced an earnings beat and reported third-quarter net income of $8.81 billion on $20.23 billion in revenues. However, negative news in regards to U.S.-China relations and reduced Apple sales led the company to announce a 10% cut to capital spending. Negative growth forecasts had been leaking out of TSMC all week, and shares have lost more than 37% year-to-date. With Russia’s recent invasion of Ukraine, fears of territorial invasion from superpower geopolitical neighbours are clearly factoring into current market sentiment. Source: Bloomberg.com While it’s concerning anytime a company boosts year-over-year profit by 80% and still sees its share price trend downward, the silver lining may be that the computer chip supply chain issues should finally start to ease if the TSMC forecasts are correct. Are you ready to triple your money in 10 years?  I’m sure given the last few years of world news everyone expects their portfolios to triple in value over the next decade right? Well… Chartered financial analyst Ben Carlson recently presented some interesting data over at AWealthOfCommonSense.com. Source: A Wealth of Common Sense The gist of Carlson’s data is that when coming out of deep bear markets, like the one we’re currently in (the S&P 500 is currently down more than 25% year-to-date), the black skies generally turn blue pretty quickly. I don’t know about you, but I’d definitely settle for something in the neighbourhood of an 83.3% return over the next five years. And if we realize a total return of over 200% in the next 10 years, the 2022 recession-that-wasn’t-a-recession-but-could-be-a-recession will look like a blip in the rearview mirror.  When you realize that investors would have, on average, tripled their money if they just held tight during the nine bear markets of the past 70 years, it puts things in perspective. Compare how bad the circumstances of these bear markets were, suddenly the 7% inflation rate and 4% to 5% interest rates don’t look like a “massive crisis.” As you’ve heard me and other Canadian investing experts say before, our ability to master our behavioural impulses will likely determine how much of these future gains we’ll

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