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[ad_1] France's Macron wants pension reform bill ready by Christmas [ad_2] Source link

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[ad_1] Britain's Next cuts guidance on macro outlook [ad_2] Source link

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[ad_1] China signals no let-up in its aggressive diplomacy [ad_2] Source link

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[ad_1] The entire agenda at HousingWire Annual is jam-packed with informative speakers and invigorating panels. Included in this agenda are also four, breakout sessions that cover different key parts of the housing sector. In these 20-minute sessions, attendees will walk away with tangible and actionable information from leaders at mortgage, valuation, real estate and title companies.  Need an overview of these sessions to decide which of them to add your HW Annual experience? We’ve got the need-to-know details below so you can make your HW Annual schedule unique to your business needs.  1. Margin Compression- truth or trendy? Presented on Oct. 4 and sponsored by Snapdocs, this breakout session includes panelists Sasha Stair, Chuck Iverson and Kevin Peranio. Everyone’s talking about “margin compression” — is there substance behind it or is it just the next trendy thing to talk about in housing? Find out how housing leaders are interpreting this hot topic as they manage market changes and create a competitive edge in this engaging expert panel. These three will uncover the truth about margin compression and provide attendees with what they really need to know to grow their business. 2. The Future of Lending is here Today Presented on Oct. 4 and sponsored by Sales Boomerang, this breakout session is hosted by Dave Savage and Alex Kutsishin. In a call to all mortgage executives and loan officers, these two speakers are looking to address the way most lenders and loan officers do business. For starters, it’s is so last year and, in some cases, you’re doing business like it’s 1999. If you don’t have the best technology platforms, you are losing loans and leaving both borrowers and Realtors behind. Hear how top lenders and loan officers are winning market share in this 20-minute presentation. 3. Life Cycle Mindset: A Conversation with NAHREP’s Executive Director & COO Jason Riveiro Presented on Oct. 5 and sponsored by QC Ally, this presentation will include speakers Michael Kelleher and Jason Riveiro. The Life Cycle Mindset Fireside Session centers around the industry’s viewpoint and approach to relevant topics within the housing market. These experienced leaders will talk about the mortgage industry and their experience with building business during challenging times. Housing professionals don’t want to miss this one!  4. Real Estate Technology Doesn’t Need to Disrupt Local Ecosystems Fireside Chat Presented on Oct. 5 and sponsored by Ribbon, this presentation will include speakers Faith Schwartz and Sarah Walker. In this session, Walker and Schwartz will discuss how Ribbon innovates without disrupting local communities — by empowering everyday buyers and sellers with an open solution for agents and lenders. Sharing their expertise in housing and technology, these two are slated to dig into what you need to know to grow your business. HousingWire Annual Why you should attend HW Annual Oct. 3-5 in Scottsdale Rene Rodriguez announced as the Vanguard Forum keynote speaker at HW Annual Oct. 4 Logan Mohtashami to lead housing super session at HW Annual Oct. 3-5 HW Annual will be held in Scottsdale, Arizona this year and feature housing leaders from all corners of the industry, including real estate, mortgage and closings. Catch these and many more amazing panels to reignite your passion for the industry amongst your peers and colleagues. Don’t miss a chance to hear from today’s top leaders and enjoy networking events with like-minded professionals. As a reminder, HW+ members get exclusive pricing and receive 50% off the ticket price. Go here to register if you’re an HW+ member or to sign-up for HW+ to get access to that pricing. The post Don’t miss these 4 breakout sessions at HW Annual Oct. 3-5 appeared first on HousingWire. [ad_2] Source link

[ad_1] Unlike most jobs, which pay by the hour, annual salaries are reported as a lump sum, making it tricky to calculate how much you make per hour. However, by doing a little math, you can easily determine your hourly wage from your annual salary.  In this post, I’ll cover everything you need to know about a $55000 annual income, including hourly pay and a sample budget that will help you figure out how to budget your salary. $55K a Year Is How Much an Hour? Here are the steps you need to take to determine how much you make per hour on a salary of $55,000 per year (based on a full-time, 40-hour work week).  1. Calculate the number of hours you work in a year:  40 Hours per week X 52 weeks = 2080 Hours per year  2. Divide $55,000 by 2080 hours = $26.44 per hour. As you can see, based on a $55,000 salary, your hourly rate will be $26.44. That’s well above the federal minimum wage. Of course, your hourly rate will be lower if you work more than 40 hours per week and higher if you work less.  Also, remember that $26.34 represents your gross hourly rate before taxes or other deductions. You’ll need to subtract those from your gross hourly rate to get your net hourly wage.  How Does 55K a Year Compare?  A $55,000 salary is slightly higher than the national average income of $48,672 but less than the median household income of $68,703.  While a $55,000 salary might not seem impressive initially, you may think differently when you compare it to other jobs paying around the same amount. Remember that by advancing in your company and taking on added responsibility, you will have an opportunity to earn more money.  The question you might want to ask is whether 55,000 dollars a year will be enough to support your desired lifestyle.  Is $26.44 a Good Hourly Rate? This is a difficult question because it depends on many factors, such as the cost of living in your area and your experience level. However, in general, $26.44 is a liveable hourly rate that can support a modest family and oneself. For 2020, the federal poverty level for a single person without dependents is $12,760. If your family has dependents, the poverty level increases. For example, for a family of four in 2020, the poverty level is $26,200. Therefore, if you are making $26.44 per hour, you are above the poverty level and can support yourself and your family. Of course, $26.44 is not a high hourly rate, so you may have to budget carefully to make ends meet. However, it is possible to live on this salary if you are careful with your money. Is $55k a Year Worth Your Time?  While $55,000 might not sound like a lot, it’s important to understand the value of your time. In other words, how much is your time worth to you? As I explained earlier, if you make $55,000 per year by working 40 hours per week, it adds up to 2080 hours per year.  Now, let’s say you could make the same $55,000 per year but only had to work 20 hours per week. In other words, you’d only have to work 1,040 hours. Your hourly rate would then be $52.68. In this example, you’d be making the same salary but working half as many hours. This would give you more free time to do things you enjoy outside of work. Understanding the value of your time is important because it can help you make better decisions about how you want to earn money.  Of course, there are other factors to consider, such as the type of work you’re doing and your quality of life. But, in general, doing so can help you understand the true value of your time and earn better money than your current placement. How to Make More While Working Less Here are some tips on how to make $55,000 per year working fewer than 40 hours per week.  Get a better-paying job: If you want to make more money, it’s simple – get a better-paying job. There are several ways to do this, such as changing careers, asking for a raise, or negotiating a higher salary when starting a new job. Get experience in a high-paying industry: Another way to make more money is to get experience in a high-paying industry. For example, if you’re currently working in the retail industry, you could look for jobs in the banking or technology industries. Be Skillful: Skill is always in demand, and companies are willing to pay a premium. If you have a skill that is in high demand, you can use it to negotiate a higher salary or hourly rate. Start your own business: If you’re entrepreneurial, you could start your own business. It will give you the potential to earn much more money than you would work for someone else. Create digital assets: This passive income strategy allows you to make money while you sleep. By creating products you can sell online, such as e-books, courses, or software, you can earn a residual income that can provide you with a comfortable living. Outsource your work: If you have skills that others need, you could start a business where you outsource your services. This could include things like web design, copywriting, or marketing. All of the above are perfectly viable options for making more money. It’s important to note that none of them are guaranteed to work. It’s also worth noting that, while it is possible to make more money by working fewer hours, it’s not always possible to do so. Because not everyone has the same skills, experience, or qualifications, some people will inevitably make more money than others. What Is Your Paycheck if You Make $55,000 a Year? Here’s what an average person earning $55,000 per year can anticipate from their paycheque. Biweekly Pay If you make $55,000