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[ad_1] Shooting at California high school leaves at least six people injured  The Guardian US 6 injured in shooting near complex of Oakland schools  SFGATE At least 6 injured after Oakland school shooting at Sojourner Truth Independent Study, authorities say — WATCH LIVE  KGO-TV Oakland school shooting injures 6  KTVU FOX 2 San Francisco WATCH: ‘I Was Thinking the Worst:’ Mother Speaks About Oakland Shooting  NBC Bay Area View Full Coverage on Google News [ad_2]

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[ad_1] This week’s HW+ member spotlight features Tammy Richards, CEO at LendArch. She has held leadership positions at Bank of America and Caliber Home Loans, and most recently served as chief operating officer at loanDepot. Below, Richards answers questions about the housing industry: HousingWire: What is your current favorite HW+ article and why? Tammy Richards: I love the research and data. It’s not only a factual synopsis but also gives a clear perspective and interpretative view of how the data paves way into a trend. Its crisp, articulate and always insightful HW Media: With HousingWire Annual right around the corner, which session are you looking forward to this year and why? Tammy Richards: I am so looking forward to the Woman of Influence Forum, an interesting line up of women leaders and topics that are so relevant and current for today and tomorrow. I am so happy that it touches upon topics of mentorship, work life balance, leadership and peer environments. Way to go HousingWire for introducing this segment of discussion, it was much needed.  HW Media: What are you fast thoughts on the following: Tammy Richards: My most useful tech tool are… Candor Underwriting Systems, FormFree Passport and Clear Capital. The weirdest job I ever had was… manual flood plain reviewer. My biggest learning opportunity was… when Susan Faulkner head of mortgage for Bank of America taught me that it is ok to make mistakes.  She had been involved in the decision to add a service fee to ATM charges that eventually had to be unwound.   If I had picked a different career path I would be an… accountant. I love numbers. I feel like a success at my job when… I see those that work with me achieve their goals. HW Media: What are 2-3 trends that you’re closely following? Tammy Richards: AI, crypto and microservices. HW Media: What keeps you up at night and why? Tammy Richards: Inflation, interest rates, my friends losing their jobs due to volume, and world events/Ukraine. HW Media: What do you think will be the big themes for the housing market in 2022-23? Tammy Richards: The birth and acceptance of microservices. As we have invested the last two decades in creating and customizing our assembly lines and over engineered an engine that needs to upgrade. Being bogged down by antiquated lending processes puts mortgage companies at risk of being overrun by competitors who have adopted new digital technologies to speed up the approval process for homebuyers. Microservices architecture led products that integrate well with your current digital roadmap in a non-intrusive manner but yield the best results. This would result in optimized business functionality. Improved productivity, better resiliency, increased scalability (an issue our industry has been yearning for). HW Media: What’s one thing that people aren’t paying attention to that you think they should be paying attention to? Tammy Richards: Technology being seen as a problem when it can be the solution. I do empathize with the lending community as they are left with an abundance of technology choices to pick from. Before anyone gets into choice from the abundance of technologies that are available, it’s very important to see what the objectives of this are. Is it to create more flexible capacity, trying to manage risk and compliance, boost customer centricity or increase agility? Or is it all the above?  This is an opportune moment to embark on this journey of digitization, optimize a tech stack and reboot your operating process to have a perfect assembly line when the volume floodgates open. The time is now, the clock is ticking, don’t act fast — act now. Join HW+ members at this year’s HousingWire Annual by going here to register. Richards will be speaking at the Vanguard Forum on Oct. 4, sharing her ups and downs in her career during the CEO playbooks session. To become an HW+ member, click here. To view past issues of our HW+ exclusive HousingWire Magazine, go here. The post HW+ Member Spotlight: Tammy Richards appeared first on HousingWire. [ad_2] Source link

[ad_1] For years in his academic papers and some of his 17 published books, famed Canadian finance professor Moshe Milevsky described the history and theory behind a seemingly obscure retirement/longevity insurance structure known as the “tontine.” Milevsky, who works at the Schulich School of Business at York University, has now partnered with Canadian financial services firm Guardian Capital LP to bring his theories to life as a commercial proposition: One that may help millions of retiring baby boomers, and ultimately those who follow them, to overcome the anxiety of outliving their money. This guide will show you what tontines are, how they work and which tontines are available for Canadians. It can also help you research the best tontines for you and your situation. But, first… What is a tontine? Tontines can be compared to life annuities—or for that matter, defined benefit pension plans. A tontine works by pooling savings from multiple investors. Essentially, those who die earlier subsidize the lucky few who live longer.  Asked for a simple definition of a tontine, Guardian Capital managing director and head of Canadian retail asset management Barry Gordon said it is “a pool of assets that are shared by survivors over time.” In that respect, annuities and defined benefit pensions operate similarly, he said. Indeed, for Guardian Capital, a driving force was the lack of availability of defined benefit plans these days.  The concept has been around for hundreds of years but it fell out of favour in the 1900s, as it was seen as profiting off of others’ deaths. However, with some modifications, like paying dividends throughout the lifetime of the pooling investors, tontines may become popular again. Tontines have a long and controversial history. The Globe & Mail recently described the tontine as “the most discredited financial instrument in history,” while asking whether its comeback could solve the retirement income crisis.  Tontines have also shown up in popular culture, notably in the 1966 British comedy The Wrong Box. A favorite film of Milevsky’s, it takes a sardonic look at a group of people willing to indulge in skulduggery in order to eliminate the “competition” and outlast their rivals. It’s an insurance take of the reality show, Survivor. Another popular TV show, The Simpsons, explained how tontines could save Abe Simpson from ending his days in an “old-folks home.” ! ( function ( r, u, m, b, l, e ) { ( r._Rumble = b ), r[ b ] || ( r[ b ] = function () { ( r[ b ]._ = r[ b ]._ || [] ).push( arguments ); if ( r[ b ]._.length == 1 ) { ( l = u.createElement( m ) ), ( e = u.getElementsByTagName( m )[ 0 ] ), ( l.async = 1 ), ( l.src = ‘https://rumble.com/embedJS/ulkdw1’ + /* replace [PUBID] */ ( arguments[ 1 ].video ? ‘.’ + arguments[ 1 ].video : ” ) + ‘/?url=’ + encodeURIComponent( location.href ) + ‘&args=’ + encodeURIComponent( JSON.stringify( [].slice.apply( arguments ) ) ) ), e.parentNode.insertBefore( l, e ); } } ); } )( window, document, ‘script’, ‘Rumble’ ); /* In this function you return the URL to the ad. The ‘ad’ variable will be the ad requested, which in this example can be ‘preroll_1’, ‘preroll_2’, etc. * This function gets called in bursts, with all the waterfall IDs of a given ad in succession * It will be called again with the next ad unit 5 seconds after the first waterfall ad is needed by the player in the current ad */ function request_ad( ad, callback ) { // console.log( ‘prepare ad ‘ + ad ); /* when ad is ready you use the callback function with the vast tag URL */ callback( ad ); } ( function () { /* configuration section */ var DEBUG = true; var video_id = ” ? ” : ”; var player_id = ” ? ‘videoplayer-‘ + ” : ”; var ad_timeout = 1500; /* number of ms the player will wait for an ad, not the same as prebid timeout */ var player_div = document.getElementById( player_id ); var autoplay_control = ‘2’; var mute_control = ”; var setup_ads = function () { /* set up ad points for each new video, you can change this based on your needs, this is just an example */ /* in the array of ads you can provide a URL or an ID to signify which ad we need */ insert_ad( 0, [ ‘https://pubads.g.doubleclick.net/gampad/ads?iu=/57452754/Rumble_Video&description_url=http%3A%2F%2Fmoneysense.ca&tfcd=0&npa=0&sz=400×300%7C640x480&gdfp_req=1&output=vast&unviewed_position_start=1&env=vp&impl=s&correlator=’, ] ); // insert_ad( ‘25%’, [ ‘midroll_25_1’ ] ); // if ( player_div.clientWidth > 600 ) { // insert_ad( ‘50%’, [ ‘midroll_50_big_1’, ‘midroll_50_big_2’ ] ); // } else { // insert_ad( ‘50%’, [ ‘midroll_50_1’ ] ); // } }; /* Do not change below: code implementing prebid support, you should not have to change what is below */ var api; var ads_queue = []; /* all ads defined, we will request next set of ads as the previous one is done */ var ready_ads = {}; /* as ads become ready, we will populate this for the player to use */ var prepare_on; var loaded_new_video = function () { if ( DEBUG ) // console.log( ‘Setting up ad cuepoints’ ); ready_ads = {}; ads_queue = []; api.clearAds(); setup_ads(); prepare_next_ads(); }; var insert_ad = function ( timecode, waterfall ) { // if ( DEBUG ) // console.log( // ‘insert_ad timecode: ‘ + // timecode + // ‘ , waterfall: ‘ + // waterfall.length + // ‘ ads’ // ); ads_queue.push( waterfall ); api.insertAd( timecode, waterfall ); }; var ads_request = function ( ad ) { var id = ad.url; var timeout; // if ( DEBUG ) console.log( ‘player is ready for: ‘ + id ); if ( prepare_on && prepare_on == id ) { prepare_on = false; setTimeout( function () { prepare_next_ads(); }, 5000 ); } if ( typeof ready_ads[ id ] == ‘string’ ) { /* ad is ready, let the player use it */ return ready_ads[ id ]; } ready_ads[ id ] = function ( url )

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[ad_1] In this guide, we’re going to present the 10 best long-term investment strategies for 2022. The reason we’re providing 10 is because there’s no single investment strategy that’s right for all investors, and in all investment environments. By covering 10, we’re providing an opportunity to mix several strategies to provide the right combination of liquidity, safety, income and long-term growth. As a long-term investor, you’ll need to be focused on all four criteria to be successful. The table below provides a quick summary of each of the 10 best long-term investment strategies for 2022, along with the main features and benefits of each. More detailed descriptions of each strategy will follow. Investment / Features Minimum Investment Stability / Risk Level Liquidity Level Transaction Costs Where to Invest Real Estate Typically 20% of the purchase price; as low as $10 with real estate crowdfunding High stability / moderate risk   Low Up to 10% of property sale; 2% – 3% for real estate crowdfunding Your local real estate market or Fundrise (real estate crowdfunding) REITs The cost of one REIT share Low to moderate stability and risk High None Zacks Trade, E*TRADE, TD Ameritrade Stock Funds ETFs, the cost of one share; mutual Funds, $1,000 and up  Low to moderate stability / moderate to high risk High ETFs, none; Mutual Funds, 0% – 3%  M1 Finance, Betterment, Zacks Trade, E*TRADE, and TD Ameritrade Crypto-currencies $2 and up Low stability / high risk Moderate to high 0 to 5%, depending on crypto BlockFi, Crypto.com, Gemini, Coinbase, Robinhood TIPS $100 High stability / low to moderate risk High None Treasury Direct Gov’t Securities $100 High stability / low to moderate risk High None Treasury Direct Traditional IRA Usually none, but some trustees may require $50 or $100 to open Very low to very high, depending on investment mix Limited due to tax consequences Generally, no transaction fees on common securities M1 Finance, Betterment, Zacks Trade, E*TRADE, TD Ameritrade Roth IRA Usually none, but some trustees may require $50 or $100 to open Very low to very high, depending on investment mix High for contribution amounts; limited for investment earnings portion  Generally, no transaction fees on common securities M1 Finance, Betterment, Zacks Trade, E*TRADE, TD Ameritrade High-Yield Savings $0 and up Very high stability / very low risk Very high None to $25 per month  Ally Bank, Discover Bank, Capital One 360, CIT Bank, Betterment Long-term CDs $100 to $1,000 and up Very stable / very low risk Moderate, based on term of CD  None, but early withdrawal penalty equal to most interest paid PenFed, Ally Bank, Discover Bank, Capital One 360, CIT Bank Below is our list of the 10 best long-term investment strategies for 2022. Please note that they are not ranked in any certain order. That’s because each investment strategy will apply in different economic and financial environments. Real Estate: Best for Predictable Gains + Tax Benefits Real Estate Investment Trusts (REITs): Best for Diversifying into Commercial Real Estate Investing Stock Funds: Best for Long-term Growth Cryptocurrencies: Best for Speculation Treasury Inflation-Protected Securities (TIPS): Best for Secure Inflation Protection Government Backed Securities: Best for Safety of Principal Traditional IRAs: Best for Dedicated Retirement Planning Roth IRAs: Best for Retirement Planning + Immediate Funds Access High Yield Savings: Best for Liquidity with Interest Income Long-Term CDs: Best for Locking-in Interest Rates Now we’re going to discuss each of the 10 long-term investment strategies in greater detail. We’ve broken the strategies into two categories, over 5 years and 6 – 10 years. That’s because duration matters, even with long-term investment strategies. #ap59528-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap59528-ww #ap59528-ww-indicator{text-align:right;color:#4a4a4a}#ap59528-ww #ap59528-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end;margin-bottom:8px}#ap59528-ww #ap59528-ww-indicator-wrapper:hover #ap59528-ww-text{display:block}#ap59528-ww #ap59528-ww-indicator-wrapper:hover #ap59528-ww-label{display:none}#ap59528-ww #ap59528-ww-text{margin:auto 3px auto auto}#ap59528-ww #ap59528-ww-label{margin-left:4px;margin-right:3px}#ap59528-ww #ap59528-ww-icon{margin:auto;display:inline-block;width:16px;height:16px;min-width:16px;min-height:16px;cursor:pointer}#ap59528-ww #ap59528-ww-icon img{vertical-align:middle;width:16px;height:16px;min-width:16px;min-height:16px}#ap59528-ww #ap59528-ww-text-bottom{margin:5px}#ap59528-ww #ap59528-ww-text{display:none}#ap59528-ww #ap59528-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap59528-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap59528-w-map #ap59528-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap59528-w-map #ap59528-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap59528-w-map #ap59528-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap59528-w-map #ap59528-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap59528-w-map #ap59528-w-map-map svg{position:absolute;left:0;top:0}#ap59528-w-map #ap59528-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}#ap59528-w-map #ap59528-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap59528-w-map #ap59528-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}#ap59528-w-map #ap59528-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap59528-w-map #ap59528-w-map-map svg g .ap00646-w-map-state{display:none}#ap59528-w-map #ap59528-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap59528-w-map #ap59528-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap59528-w-map #ap59528-w-map-map svg g:hover{cursor:pointer}#ap59528-w-map #ap59528-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap59528-w-map #ap59528-w-map-map svg g:hover text{fill:#fff}#ap59528-w-map #ap59528-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap59528-w-map #ap59528-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}#ap59528-w-map #ap59528-w-map-btn:hover{color:#fff;background-color:#508fc9} Build a portfolio through a unique investing experience. Public.com lets you invest in stocks, ETFs, and crypto with any amount of money. Share insights in a community and access a wealth of educational content. HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas Join Today Offer valid for U.S. residents 18+ and subject to account approval. There may be other fees associated with trading. See Public.com/disclosures. 6 Best Investments Over 5 Years Real Estate: Best for Predictable Gains + Tax Benefits Minimum Investment: Typically, 20% of the purchase price; as low as $10 with real estate crowdfunding Stability/Risk Level: High stability/moderate risk Liquidity Level: Low Transaction Costs: Up to 10% of property sale; 2% – 3% real estate crowdfunding fees Where to Invest: Your local real estate market or Fundrise (real estate crowdfunding) How to invest. The most obvious way is to invest in a primary residence. But you can also invest in rental real estate, or even commercial property. If you like the idea of investing in individual properties, but you don’t want to buy them directly, consider real estate crowdfunding. A platform like Fundrise can enable you to invest with as little as $10. Benefits. Real estate has provided investment returns comparable to the stock market. Residential real estate produces average returns of 10.6%, while commercial property has returned an average of 9.5%. Rental property can be particularly advantageous, because it provides current income from rents, and long-term capital appreciation. Real estate also has valuable tax benefits, like depreciation expense. Drawbacks. Purchasing rental real estate requires a substantial down payment, usually 20% of the purchase price. It’s also a very hands-on investment, requiring you to market the property, find tenants, and provide maintenance. #ap79047-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap79047-ww

[ad_1] Walgreens Shopping Trip All of my coupons are from the Walgreens app. I highly recommend downloading it if you haven’t already. You can clip both Manufacturer’s and Store coupons and stack them together on the same item. What I Bought: 1 12-Big Roll Pkg Scott Toilet Paper – $5.00Used the $1.25/1 Scott myWalgreens digital store coupon= $3.75 out of pocket after coupon 1 Rimmel Lip Gloss (40% off) – $2.99Received $2/1 Rimmel Lip Product Ibotta rebate= $0.99 out of pocket after rebate 1 Rimmel Face Powder (40% off) – $3.39Received $2/1 Rimmel Face Product Ibotta rebate= $1.39 out of pocket after rebate 1 3-ct pkg Bic Flex4 Razors – $5.09Used the $4.00/1 Bic myWalgreens digital store coupon= $1.09 out of pocket after coupon Totals: Total: $11.89 (includes tax)Paid with $4 Walgreens Register Rewards from last week, plus $5 Walgreens Cash from previous weeksTotal Paid Out Of Pocket: $2.89, plus I received $4 in Ibotta Rebates Did you do any drug store shopping this week? I’d love to hear what great deals you scored! [ad_2] Source link

[ad_1] Bank of England seeks to stem bond market turmoil after tax cut storm [ad_2] Source link