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[ad_1] S.Korea reports third consecutive record high new COVID-19 cases -KDCA [ad_2] Source link

[ad_1] Burakhap mine in Jharkhand received the maximum interest with five bids, followed by the Rauta mine in the same state, which received four bids. [ad_2] Source link

[ad_1] In case you didn’t know, we’re living in a seller’s market. But even though home prices are at record highs, buyers are still in the market. Not only are they shopping, but they’re putting down offers well over the listing price. Are you in the market for a home? Be prepared to spend money. Listing prices? Never heard of them! A buyer in Austin, Texas paid $1 million over a home’s listing price. According to the founder of The Agency Texas, Thomas Brown, the buyer was bidding for a home against multiple offers. To make sure the offer stood out against the competition, the buyer offered to purchase the seller’s next home (yes, really).  The deal, which included the home the buyer wanted (priced in the $400,000’s) and the seller’s new home (priced in the $300,000’s) ended up being sold over their asking prices and costing the buyer $1 million over the original home’s listing price.  More for Real Estate Enthusiasts A homebuyer’s guide to a competitive housing market How to negotiate your home purchase offer Frustrated homebuyers turn to fixer-uppers Homebuyers, it’s time to go to war You may be shaking your head in disbelief over someone paying so much. But the truth is, that’s happening more and more in today’s hot housing market. While not every buyer is paying $1 million in cash, a majority are paying over the listing price.  In Seattle, a buyer offered $400,000 over the home’s $725,000 listing price without even seeing the home. Not to mention, they waived contingencies on their home offer.  A Realtor in Colorado Springs made headlines this year when she listed a rundown home for $592,000. In the photos, the home was covered in graffiti and very damaged. Mimi Foster, a real estate agent, told MarketWatch the home was like “walking into a crime scene.” But guess what? She received multiple cash offers that were well over the asking price. Low-inventory is partly to blame Due to low inventory, buyers don’t have a lot of options when it comes to purchasing a home. This need is what’s causing home prices to skyrocket, which in turn, forces buyers to make competitive offers. According to Redfin, between mid-April and mid-May, over half of U.S. homes were sold over their listing price.  “The fact that 50% of homes sold for more than their list price shows just how intense and unshakable this competition is,” said Daryl Fairweather, Redfin’s chief economist. Bottom line If you’re looking to buy a home, be prepared to make an offer higher than what’s listed. In today’s market, sellers are juggling multiple offers at once. Meaning, they’re less likely to entertain a low offer or even make counter-offers. As a serious home shopper, make sure to lead with your best foot forward. This doesn’t mean you should offer a price you can’t realistically afford – but be competitive. The post Homes are selling well over listing prices as buyers compete against each other appeared first on HousingWire. [ad_2] Source link

[ad_1] Key takeaways: Progressive is one of the lowest-cost car insurance providers in most states. They offer rideshare coverage for gig workers. Progressive features an easy, online, obligation-free quote system that’s not common among the major car insurance providers. The company provides one of the most extensive lists of discounts, which may get you the lowest premium available. The Name-Your-Price tool lets you build a policy around the premium you can afford to pay. Thanks to its Progressive advertising campaign, Progressive is one of the best-known — and most popular — car insurance companies. But there are plenty of reasons to choose Progressive beyond slick commercials. They became one of the largest car insurance companies in America thanks to a combination of generous discounts, customer-friendly coverage options, and some of the lowest premiums in the industry. After reading this review, you’ll see why Progressive needs to be on your short list of choices for your next car insurance policy. About the Company Progressive is the third largest auto insurance provider, based on direct premiums written, with 13.3% of all auto insurance in force in the U.S., trailing only State Farm and Geico. The company has more than 18 million customers nationwide, with over $33 billion in direct premiums written. It’s easy to see why. The company is one of the lowest-cost providers in most states, largely as a result of the many discounts they provide. They also offer important niche products, like rideshare coverage, which reflect the changing needs of their customer base. Progressive’s primary product is auto insurance, though it does offer home insurance and various other insurance and non-insurance related services. In this review, we’re going to focus on Progressive car insurance, and also spend some time on their home insurance offerings. Progressive Products & Services Though Progressive is best known for car insurance — their main product — they also offer other services. The most prominent among these is home insurance, but they also have a wide range of other products and services. Though this review will focus primarily on Progressive car insurance, we’ll also touch on home insurance below, since it’s relevant to the bundling discount the company offers. We’ll only briefly mention other products and services offered. Progressive Car Insurance Progressive is one of the cheapest providers in most states, providing the lowest premiums in about 10 states. Basic features of Progressive car insurance are as follows: Availability: All 50 states, plus the District of Columbia Covered vehicles: Autos, classic cars, motorcycles, Segways, snowmobiles, boats, recreational vehicles, ATVs/UTVs, and golf carts Customer support: 24/7 by phone Claims satisfaction: According to the JD Power 2020 US Auto Claims Satisfaction Study (released in October 2020), Progressive ranks #21 out of 24 companies providing car insurance nationwide. They score 856 out of a potential 1,000 points, which is below the industry average of 872. Financial strength rating: A+ (Superior) Better Business Bureau ranking: A+ (on a scale of A+ to F) How to Sign Up with Progressive Car Insurance The application process can be completed entirely online, although it can also be done by phone. One of the features of the Progressive application process we really appreciated is the ability to get quotes online. By entering basic information, we were able to get quotes for various driver profiles without needing to enter sensitive information such as a Social Security number or phone number. This is an important feature because some car insurance companies just ask for basic information, but then only provide quotes by contacting you, either by phone or by email. The Progressive experience enables you to shop for a policy without incurring sales pressure or repeated contact you may not want. Unique Features Though it’s common for consumers to shop for the car insurance provider with the lowest premium, there are several features that make Progressive stand out from the competition: Large number of discounts. Progressive offers one of the widest ranges of discounts in the auto insurance industry and advertises an average savings of $700 per year. Name Your Price Tool. You can build a policy based on the amount of premium you can afford to pay. That’s an excellent perk for anyone with a tight budget. Large and Small Accident Forgiveness. Premiums won’t increase for claims under $500. Further, if you’ve been accident- and violation-free for at least three years and have been a Progressive customer for at least five years, your rate won’t increase after a large accident. This is one of the most flexible accident forgiveness programs in the industry. Rideshare Coverage. This is an important add-on, with so many people now working in the gig economy.  Progressive Auto Insurance Coverage Options Progressive offers standard auto insurance coverage provisions, including liability, comprehensive and collision, uninsured/underinsured motorist, and medical payments. Optional coverage provisions include the following: Loan/lease payoff (GAP). To pay off the difference between the value of the vehicle and the amount owed, up to 25% of the actual cash value. Rental car reimbursement. Receive reimbursement for a rental car while your vehicle is in the shop being repaired. Custom parts and equipment value. Covers up to $5,000 in components added after the vehicle was manufactured. Rideshare coverage. Provides coverage when you’re logged into your ridesharing app and waiting for a trip request or customer. Note that this option is not available in all states. Roadside assistance. Includes towing services, lockout service, flat tire change, fuel/fluid delivery, and related issues. Deductible Savings Bank. Subtracts $50 from your comprehensive and collision deductible for each policy period without an accident or a violation. A $500 deductible can be reduced to zero after five years (ten policy periods of six months each). Progressive Discounts Progressive offers one of the most extensive lists of discounts in the auto insurance industry. Below is a list of the discounts they offer, and the average premium savings you can expect: Bundle with home insurance: 5% Multi-policy: 5% Multi-car: 4% Continuous insurance (even when you first switch to Progressive):

[ad_1] The post Trim vs Truebill: Which Is Better? appeared first on Millennial Money. Stop and think about all your various subscription services. There’s Netflix for movies and TV, Trade for coffee deliveries, Spotify for music, Home Chef for groceries, AT&T for your cell phone… the list goes on and on. Subscription services are convenient. No judgment! In some cases, they’re critical for daily life. Yet, they’re often expensive and difficult to keep track of, especially if you’re using a lot of them.  Two services you can use to get a grip on your subscription services are Trim and Trubebill. But which is best for you? Here’s a quick comparison summary: TRIM TRUEBILL Pricing $99/yr for premium | Has free version $36-48/yr for premium | Has free version User experience More features | Easy to use Fewer features | Easy to use Customer support Email support only Live chat assistance Security 256-bit encryption 256-bit encryption Keep reading to explore the pros and cons of Trim vs Truebill so you can determine which makes the most sense for your unique financial situation. What is Trim?  Trim is a leading financial management service with the mission of helping customers solve financial problems and live the life they want. To date, the company has saved customers over $40 million by helping them cut back on daily bills and unwanted subscriptions.  How Trim works  Like most platforms today, the Trim app is pretty straightforward. Here’s a brief overview of how to get started on the platform.  1. Open an account with Trim Head to Trim and sign up for their service for free. You can access Trim through an internet browser, or you could download the Trim app.  Trim offers a free 14-day trial to start their premium service. After the trial period ends, Trim Premium costs $99 per year. So you won’t have to pay anything upfront, but you’re going to have to pay the annual fee if you want to keep using the service.  If you decide you don’t want to use Trim, you’ll have to cancel the trial before it ends. Otherwise, you may be charged. Trim Lean on Trim’s AI to identify and manage your recurring subscriptions, find savings with your daily expenses and even renegotiate your bills to save you money each month! Get Trim 2. See where you can save  Once you sign up for Trim, the platform then analyzes your spending patterns and looks for ways to possibly save you money.  Here’s the great part: You don’t have to listen to what Trim says. Just because Trim says you should possibly remove a service, you don’t have to take their advice.  It’s a free country! You’re just paying Trim to provide an auditing service and give you financial advice, not run your life.  3. Let Trim analyze your bills  Once Trim has a clear understanding of your spending patterns, the service goes to work as a financial coach of sorts, negotiating various bills from cable companies, internet providers, cell phone companies, medical providers, and subscription services. Trim (Free) vs. Trim Premium Signing up for trim is 100% free, but many of their offerings require a Trim Premium subscription. Here’s a quick analysis: Trim (Free) Trim Premium Pricing $0 $99 per year Bill Negotiation Trim takes 33% (if successful) ✔️ Subscription Monitoring Included for first 30 days ✔️ Daily Transaction Monitoring Included for first 30 days ✔️ Debt Payoff Calculator ✔️ ✔️ Bank Negotiation (credit cards and bank fees) ✔️ High-Yield Savings Account ✔️ Subscription Canceling ✔️ Negotiate Medical Bills ✔️ What we like about Trim Easy to use Offers an app for on-the-go financial management Uses strong bank-level security (i.e., two-factor authentication) Great customer service User-friendly experience What we don’t like about Trim Helps with savings only; no investing options Limited customer service Limited educational resources  Trim Lean on Trim’s AI to identify and manage your recurring subscriptions, find savings with your daily expenses and even renegotiate your bills to save you money each month! Get Trim What is Truebill? Trubebill offers a very similar service to Trim. You can use Truebill to identify and cancel unwanted subscriptions. It’s incredibly easy to use and effective at helping consumers identify financial waste so they can save money.  How Truebill works 1. Get the Truebill app The Truebill service can be accessed over an internet browser or mobile app just like Trim. If you’re an on-the-go saver, consider heading to the App Store or Google Play to download Truebill and start saving on your monthly bill. How much does Truebill cost? Truebill is free. But the company also offers Truebill Premium, a service you can choose to pay between $3 and $12 a month to use or between $36 and $48 for the year. Premium accounts enable you to sync your balance, access premium chat, and use a cancellation concierge service, among other perks. You’ll also have to pay fees for bill negotiations and outage refunds too. Truebill With Truebill you can finally take control of your money. It makes it easy for you to manage subscriptions, lower your bills, optimize your spending and get a grasp on your financial life. Learn More 2. Connect your accounts  Once you’re up and running on the Truebill platform, the next step is to connect all your various accounts. If you have a checking account or credit card, you’ll need to give Truebill access so the service can analyze your accounts and pull data.  This may seem invasive, but the service needs a bit of access in order to work. Unless you grant access, Truebill won’t be able to review where your money is going.  3. Start saving Once Truebill analyzes your spending, the service then gives you an updated financial report.  Just like Trim, the service won’t cancel any subscriptions unless you give it permission to do so. So, there’s no threat of losing access to a subscription unexpectedly. Truebill (Free) vs. Truebill Premium Truebill is also free to sign

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[ad_1] Wall Street closes at record highs as financials lead rebound [ad_2] Source link

[ad_1] The jewellery retailer said the overall revenue for the recently concluded first quarter was approximately 55% of revenue achieved in Q1FY20. [ad_2] Source link

[ad_1] Since day one of my mortgage career, my main role was to help Hispanic borrowers with responsible lending. For the past 21 years, I have been deeply entrenched in truly understanding the unique needs and cultural nuances of homebuyers with diverse backgrounds. Being an active originator helps me keep a pulse on the market and the current issues borrowers face every day on their journey to homeownership. Minority mortgage-ready millennials I interact daily with first-time buyers and buyers of diverse backgrounds and continue to help them achieve the dream of homeownership. In my role as national vice president of multicultural lending, I’m involved at a high level with the executive leadership team here at New American Funding, providing input regarding what is really going on at the “street-level” and being the liaison between our sales force and executive leadership. According to the U.S. Census Bureau, there are now 60.6 million Hispanics in America. That is almost 19% of the entire US population. And according to Freddie Mac, in 2019, there were 8.3 million Hispanic mortgage-ready millennials, or as we like to call them at New American Funding, “Hispennials”. The Hispanic market presents a tremendous business opportunity now and for years to come if approached correctly. Despite the recent COVID-19 pandemic, the Hispanic homeownership rate increased to 49% in 2020, compared to 47.5% in 2019, per the National Association of Hispanic Real Estate Professionals’ 2020 State of Hispanic Homeownership Report. According to the Urban Institute, all future homeownership growth will come from non-White households, with Hispanics accounting for 70% of homeownership growth over the next 20 years. Per Freddie Mac, in the 31 largest MSAs, there are over 1.7 million Black millennials who would qualify for a mortgage. New York City, Atlanta, Washington D.C. and Chicago each have more than 100,000 Black residents ready for homeownership. And according to a November 2020 report released by the National Association of Realtors, 5% of homebuyers during the first three quarters of 2020 were Black, compared to 4% in 2019. Despite a 1% increase, U.S. Census data shows Black millennials raised the homeownership rate for African Americans more than 2% over the same time frame. The homeownership rate for Black Americans grew to 47% during the second quarter of 2020 compared to 44% during the first quarter. This content is exclusively for HW+ members. Start an HW+ Membership now for less than $1 a day. Your HW+ Membership includes: Unlimited access to HW+ articles and analysis Exclusive access to the HW+ Slack community and virtual events HousingWire Magazine delivered to your home or office Become a member today Already a member? log in The post Preparing for millions of minority homebuyers appeared first on HousingWire. [ad_2] Source link