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[ad_1] If there’s a key theme in the women leaders in the housing industry, it’s their collaboration and openness to helping each other grow and develop. It’s core to how this industry continues to move markets forward, which is why if you are attending HW Annual, you can’t skip the Women of Influence Forum on Oct. 3. Both men and women can benefit from the advice, research and professional tales sure to be told at this half-day event. ​​Below are the top five reasons why you need to grab a seat at the Women of Influence Forum before they’re all gone.  1. Honest conversations There’s nothing better than finding common ground in an honest conversation, and honestly, it is time to talk about work-life balance. Does that phrase even exist? Powerful women like Aslan Home Lending‘s Carrie Gusmus, Bank of America‘s AJ Barkley and Finance of America‘s Charmaine Brown will be speaking on a panel about work-life balance and the difficulties of being present for their families and their companies. Since the rise in popularity of working from home, more and more people need a reminder about setting boundaries and “The good, the bad, and the things we need to talk about – a real conversation around work-life balance,” panel is the perfect place to get new ideas from on how to find harmony in your life.  2. Real life statistics Many industry professionals make decisions for their business based on statistics, but statistics alone don’t tell the whole story. The “Women in Leadership: Making stats a Reality” panel will go beyond the numbers to give attendees the important, qualitative data they need to make informed decisions about leadership and personnel in their organizations.  3. Workshops for hands-on learning Those who learn by doing can get excited for the “Creating a Seat at the Table” workshop at the Women of Influence Forum. HW Media’s own Jill Olmsted will facilitate this valuable workshop that teaches attendees practical steps, tips and actions they can take to create space for women in their organizations. Other leaders like Service Link‘s Caitlin Green and Percy‘s Sarah Crossley will help guide this workshop.  4. (Wo)mentorship So many leaders would not have achieved their positions without their mentors. Mentorship is a powerful relationship that can help young professionals grow in their careers, make connections and find their true passion. For women, mentorship is even more important because it prepares them to weather the storms of inequality they will find in any industry; it gives them a sense of camaraderie and support. Learn the ins and outs of mentorship at the panel, “(Wo)mentorship: how to find and maintain one.”  5. Meet other men and women who care about equality in the industry One of the biggest draws to in-person conferences is the ability to network and socialize with colleagues and peers. At the Women of Influence Forum, specifically, HW Annual attendees will meet other professionals who are interested in creating a seat at the table for women in the industry. Through workshops, coffee breaks and networking opportunities, attendees will have ample opportunity to make connections with like-minded individuals and carry the lessons they learn at the forum forward into their organizations.  HousingWire Annual Why you should attend HW Annual Oct. 3-5 in Scottsdale Haley Parker to speak at HW Annual October 3-5 Don’t miss the “Making Stats a Reality” panel at the Women of Influence Forum Oct. 3 The Women of Influence Forum at HousingWire Annual is a limited capacity, half-day event that offers attendees the opportunity to hear from women leaders in the industry and connect in a candid and real way with their counterparts. When you sign-up for HW Annual, make sure to select the add-on ticket for the forum in order to not miss out on all these exciting panels. Register for the forum and HW Annual here. The post 5 reasons to attend the Women of Influence Forum at HW Annual on Oct. 3 appeared first on HousingWire. [ad_2] Source link

[ad_1] Most people are well aware that investing is the key to building long-term wealth, yet that doesn’t mean that getting started is easy. In fact, all new investors face a huge learning curve when it comes to figuring out how to invest and where to invest their extra money. It doesn’t help that there are so many different kinds of investments out there, as well as various apps and platforms that all claim to be the best. So, how do you start investing exactly? And what steps can you take to ensure your investments have the chance to reach their full potential? I wholeheartedly believe that investing for beginners should start with the core principles of personal finance. After all, you really do need to get your money straight in order to have extra cash to invest in the first place, and you need to clearly outline your goals, or what you’re trying to accomplish, before you dive in. If you are hoping to begin building wealth but you’re not sure how to get started, it helps to break down investing tips for beginners into several smaller steps. The sections below explain exactly what you should do to start your investing journey, and in the exact order you should do it, so read on to learn more. #ap38693-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap38693-ww #ap38693-ww-indicator{text-align:right;color:#4a4a4a}#ap38693-ww #ap38693-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end;margin-bottom:8px}#ap38693-ww #ap38693-ww-indicator-wrapper:hover #ap38693-ww-text{display:block}#ap38693-ww #ap38693-ww-indicator-wrapper:hover #ap38693-ww-label{display:none}#ap38693-ww #ap38693-ww-text{margin:auto 3px auto auto}#ap38693-ww #ap38693-ww-label{margin-left:4px;margin-right:3px}#ap38693-ww #ap38693-ww-icon{margin:auto;display:inline-block;width:16px;height:16px;min-width:16px;min-height:16px;cursor:pointer}#ap38693-ww #ap38693-ww-icon img{vertical-align:middle;width:16px;height:16px;min-width:16px;min-height:16px}#ap38693-ww #ap38693-ww-text-bottom{margin:5px}#ap38693-ww #ap38693-ww-text{display:none}#ap38693-ww #ap38693-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap38693-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap38693-w-map #ap38693-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap38693-w-map #ap38693-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap38693-w-map #ap38693-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap38693-w-map #ap38693-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap38693-w-map #ap38693-w-map-map svg{position:absolute;left:0;top:0}#ap38693-w-map #ap38693-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}#ap38693-w-map #ap38693-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap38693-w-map #ap38693-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}#ap38693-w-map #ap38693-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap38693-w-map #ap38693-w-map-map svg g .ap00646-w-map-state{display:none}#ap38693-w-map #ap38693-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap38693-w-map #ap38693-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap38693-w-map #ap38693-w-map-map svg g:hover{cursor:pointer}#ap38693-w-map #ap38693-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap38693-w-map #ap38693-w-map-map svg g:hover text{fill:#fff}#ap38693-w-map #ap38693-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap38693-w-map #ap38693-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}#ap38693-w-map #ap38693-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. Ready to Start Investing? Whether you are hoping to start investing small amounts of money or you have a lump sum of cash to get started, you should know that investing isn’t necessarily a “set it and forget it” activity. Even if you are investing for the long haul or retirement, you’ll still need to reassess and potentially update your investment plan from time to time. Also remember that, like it or not, there is a real risk of losing some of your investment over the short-term. With that in mind, you’ll want to consider your timeline, your goals, and your tolerance for risk as you read over these steps. Build an Emergency Fund Before you start investing, it’s crucial to have an emergency fund in place. This is based on the fact that, if you don’t have any emergency savings to draw from, you may have to sell your investments at an inopportune time, or even at a loss. Most experts suggest having three to six months of expenses in emergency savings where it is easily accessible. If you are currently spending $4,000 per month on your rent or mortgage and your other bills, for example, you would try to build an emergency fund of $12,000 to $24,000 over time. What is an emergency fund for, exactly? For the most part, your e-fund is there to cover surprise expenses you don’t actually expect — things like a sudden and unexpected car repair bill, a new HVAC system when your air conditioning goes out, or emergency medical bills. While you can keep your emergency fund in any account you want, it’s smart to look for online banks that pay high rates on savings, money markets, and certificates of deposit (CDs). Some examples of banks that fit the bill include: CIT Bank Synchrony Bank BBVA (formerly BBVA Compass) Any of these banks keep your money safe, completely liquid, and pay interest rates that are well above local banks. In the meantime, a high-yield savings account can keep your e-fund easily accessible when you need it. #ap54301-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Archivo, sans-serif}#ap54301-ww #ap54301-ww-indicator{text-align:right;color:#4a4a4a}#ap54301-ww #ap54301-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end;margin-bottom:8px}#ap54301-ww #ap54301-ww-indicator-wrapper:hover #ap54301-ww-text{display:block}#ap54301-ww #ap54301-ww-indicator-wrapper:hover #ap54301-ww-label{display:none}#ap54301-ww #ap54301-ww-text{margin:auto 3px auto auto}#ap54301-ww #ap54301-ww-label{margin-left:4px;margin-right:3px}#ap54301-ww #ap54301-ww-icon{margin:auto;display:inline-block;width:16px;height:16px;min-width:16px;min-height:16px;cursor:pointer}#ap54301-ww #ap54301-ww-icon img{vertical-align:middle;width:16px;height:16px;min-width:16px;min-height:16px}#ap54301-ww #ap54301-ww-text-bottom{margin:5px}#ap54301-ww #ap54301-ww-text{display:none}#ap54301-ww #ap54301-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap54301-w-text{padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap54301-w-text #ap54301-w-text-title{color:#212529;font-size:20px;font-weight:700;line-height:30px}#ap54301-w-text #ap54301-w-text-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap54301-w-text #ap54301-w-disclosure{color:#9b9b9b;margin-top:10px;font-size:12px}#ap54301-w-text #ap54301-w-text-btn{margin-top:25px;padding:9px 13px;display:inline-block;color:#fff;font-size:16px;line-height:20px;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap54301-w-text #ap54301-w-text-btn:hover{color:#fff;background-color:#508fc9} An emergency fund is an essential part of everyone's financial plan Using a High-Yield Savings Account means you’re earning more than you would in a typical savings account. Click below to open an account today! Open an Account Today Define Your Goals Next up, you’ll want to clearly define your investment goals before you start putting your money at risk. For example, you’ll need to know your investment timeline, or how long you want to keep your money invested before you need to access it. You’ll also need to decide how much risk you’re willing to take, and if you’re willing to take on more risk in order to have a chance at better returns. Let’s say you want to invest some money you plan to use for the down payment on a home in a few years. In that case, you would want to choose among the best short-term investments that are unlikely to have any losses over that short of a timeline. If you’re trying to invest for retirement and you have several decades of work ahead of you, on the other hand, you can choose among the best long-term investments that have a history of higher returns. Examples of the best low-risk investments that can help your money grow

[ad_1] I thought it would be fun to start doing a regular post sharing creative ways I’m making do with what we have. I often share these types of things on Instagram stories, but I know a lot of you don’t have Instagram or don’t check it regularly, so I’m going to share these here as blog posts to give you inspiration and encouragement for ways you can make do and use what you have. I found two bags of tomatoes marked down to $0.99 each at Kroger a few weeks ago. They needed to be used up quickly, so I asked online to ideas of how to use them up. I ended up deciding to make a sort of salsa and tomato pie. I had tomatoes, onions, basil, oregano, and salt. I didn’t have anything to give the salsa heat, but I actually love really mild salsa, so I was okay with that. I peeled and chopped the tomatoes and chopped the onions. I dumped all the ingredients in the blender and lightly pulsed it. I added some more peeled and chopped tomatoes to give it some chunks (I like chunky salsa). The end result was yummy. If I did it again, I would leave out the basil and oregano and probably do garlic and cilantro instead. I’d never even heard of Tomato Pie, but a number of people recommended it and I had the ingredients on hand, so I thought it would be fun to try. You peel and slice the tomatoes and sprinkle with salt. Then use paper towels or a towel to squeeze out the juice. Then make the cheese and mayo mixture. Then sprinkle the tomatoes with basil. Top with the cheese mixture. And bake! It was delicious! It kind of tasted like crustless pizza to me. Note: I left off the crust, onions, and green onions, but I think it would be really delicious with those! [ad_2] Source link

[ad_1] Korean cosmetic giant Amorepacific to buy U.S. luxury skincare brand Tata Harper [ad_2] Source link

[ad_1] Back in March, HousingWire Lead Analyst Logan Mohtashami coined the phrase “savagely unhealthy” to describe the state of the housing market. As catchy and memorable as the saying is, it signifies a very volatile and discouraging time for industry professionals and people looking to buy a home. Do you notice how I used a present-tense word there? Unfortunately, this phrase still rings true six months later. When Mohtashami first used the phrase in his commentaries back in March, he said, “I have lost my five-year home-price growth model of 23% in just two years, and inventory has worsened in 2022. So now, I consider this not just an unhealthy housing market, but a savagely unhealthy housing market.” Mohtashami, since writing that piece, has continued to expand on what this means, diving deeper and deeper into recession talks and even adding the word “nightmare” to the mix. Because of the timely September issue theme, retail and lending, we asked Mohtashami to update readers in a feature piece that focuses on the need-to-know information moving into the rest of 2022 and beyond. Starting on page 26, you’ll hear directly from him about the state of housing and the economy. And, for those who would love to see him in person, you can join us at HousingWire Annual for his Housing Super Session. Go to page 19 to learn more.  The post HousingWire Magazine: September 2022 appeared first on HousingWire. [ad_2] Source link

[ad_1] Investing in real estate can be lucrative and a great way to diversify your portfolio. With inflation soaring, many investors are turning to different real estate investments to increase their income.  When it comes to real estate investing, there are several directions that you can go. Most new real estate investors will turn to simple single-family homes to get started before they look into anything too complex. However, if you want to maximize your real estate earnings, you might consider investing in apartment buildings.  In this article, we’ll look at how to invest in apartment buildings so you can determine if it’s an investment decision you’ll want to make. And if you don’t have millions of dollars in capital sitting around, don’t stress—we have options for everyone with varying budgets and investing experience levels.  Is an apartment building a decent investment?  When investing your money, you want the highest returns possible while minimizing risk so as not to waste time or energy. You’ll notice more potential for higher profits as you learn how to invest in apartment buildings.  Here are a few benefits of investing in apartment buildings: You can get a positive cash-flow asset that pays you every month. The property will (hopefully) appreciate every year.  With more units, you can bring in more revenue. You don’t have to deal with the volatility that has been present in the stock market lately. You have a hedge against soaring inflation. How to invest in apartment buildings These are six different ways to invest in apartment buildings if you’re new to the space. Your choice will ultimately come down to what’s comfortable based on your circumstances and goals. There are three crucial factors to consider before deciding how to invest in an apartment building:  Your risk tolerance. Can you handle the risk involved with investing in an apartment building? How much risk can you manage?  The capital you have to invest. How much money do you have to invest in apartment buildings?  Your level of real estate knowledge. Have you invested in real estate previously?  Let’s take a closer look at how to invest in apartment buildings. Option 1: Buy an apartment building yourself as a real estate investor. You can research and begin investing by purchasing an apartment building as a solo investor. While this may be the most intimidating option, the good news is that you can keep all the profit to yourself.  What should you know about buying an apartment building on your own?  The most important thing to remember when investing on your own is that all of the responsibility will fall on you. You’ll be on the hook for maintenance work, tenant conflicts, collecting payments, and other tasks. It’s helpful to have several reputable real estate contacts to hire as help for legal, financial, or maintenance concerns.  When you own the apartments you stand to make more of the profit but that also means you’re on the hook for everything else. On the plus side, buying an apartment building on your own means you get to keep all of the profits, and you can implement your vision for the property. You can also write off many of your property-related expenses on your taxes.  What are the steps involved with investing in an apartment on your own? Save up your money. You’ll need a decent chunk of change to get approval for a mortgage for an apartment building. Look for deals/opportunities with a trusted broker. Finding a trusted broker you can work with to help you go through listings is essential. Find a mortgage. You’ll want to consider getting pre-approved for a mortgage so that you already have the financing figured out when making an offer.  Analyze the finances and review deals. You will want to spend the most effort here to ensure you’re getting into a profitable deal.  Make an offer and wait for it to get accepted.  Consider a property management company. Once you obtain the apartment building, you may want to hire help with property management. Hiring a property manager can relieve you of some responsibilities, though it will cut into your profit.  Renovate or update the apartment building. Many real estate investors look for buildings they can upgrade to charge more.  Some documentation you’ll need to review thoroughly before investing in an apartment building: Market report. What sort of properties are available? Financial audit. What’s the economic history of a building?  Property condition assessment. In what kind of condition is the property? Lease audit. Is there any unpaid rent? What do the leases look like? Appraisal. What is the current estimated market value of the property? Site survey and title report. Are there any legal claims to the property? What are the property boundaries? It’s essential to find a real estate lawyer you can trust to help you go through these documents and answer your questions.  We asked Daniel Shin of The Darwinian Doctor for advice on how to invest in apartment buildings, and here’s what he had to say: “When I look at an apartment building, I consider many factors, including location, affordability, building condition, and ability to increase the value of the real estate. Shin goes on to mention the most appealing quality: “I’d say the most attractive quality of a building is the potential to improve the building and offer a better living environment for tenants while at the same time yielding a good return on investment.” Gabby Wallace, a real estate expert who helps women build their rental investment income, also shared her thoughts on how to invest in apartment buildings and what she looks for: “Generally [I look for] the ability to get a decent cash flow and appreciation from the initial investment. What makes real estate a good choice is very personal, [and] like personal finance, it depends on where people are financially and their current/long term goals.” As you look for how to invest in apartment complexes, you may realize that you’re not ready

[ad_1] Columbia has some really hot deals going on right now! Through September 7th, Columbia is offering up to 60% off select styles when you use the promo code SEPSAVE at checkout! And shipping is FREE if you’re a Columbia Rewards Member (it’s free to sign up)! Here are a few deals we spotted… Get this Columbia Women’s Benton Springs Crop Pullover for just $25.58 shipped after the promo code (regularly $80)! Get this Columbia Men’s PFG Three Streams II Windbreaker for just $19.98 shipped after the promo code (regularly $60)! Get this Columbia Men’s Columbia Lodge Colorblock Hoodie for just $23.98 shipped after the promo code (regularly $60)! [ad_2] Source link

[ad_1] Microsoft's $69 billion Activision deal could harm competition, UK says [ad_2] Source link

[ad_1] Wow! Here’s a GREAT deal on these Saucony Women’s Freedom Running Shoes! You can get these Saucony Women’s Freedom Running Shoes for just $43.20 shipped when you use the promo codes PJLBT60 and 10OFF at checkout! These are regularly $150 and this is such a great deal. Choose from seven colors but hurry – sizes are selling out quickly. Valid through September 10, 2022. Thanks, Hip2Save! [ad_2] Source link

[ad_1] Ukraine working to switch reactor back on at occupied nuclear plant- Energoatom chief [ad_2] Source link