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[ad_1] FBI Recovered 11 Sets of Classified Documents in Trump Search, Inventory Shows  The Wall Street Journal FBI search warrant shows Trump under investigation for potential obstruction of justice, Espionage Act violations  POLITICO Attorney General Garland set a fire with Trump raid and is clueless about how to put it out  Fox News Trump had nothing to hide – except ‘top secret’ government property  Houston Chronicle The Secrets of Mar-a-Lago  The Wall Street Journal View Full Coverage on Google News [ad_2]

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[ad_1] I’m so excited to be back to sharing my grocery trips and menu plans after taking time off for my maternity leave! My goal is to do my Kroger shopping on Wednesdays or Thursdays and then post here by Friday so those who have a Kroger that has the same sales as mine can take advantage of the deals before the sale is done (Kroger sales in our region run Wednesday through Tuesday). {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!} 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. 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.) Here’s what we bought… We only spent $57 on groceries last week, so I had extra to spend this week. Jesse went to Walgreens and picked up the $1.99 Arm & Hammer laundry detergent + a half gallon of milk. His total was $11.53. And then yesterday I went to Kroger and got all of these groceries for $59.97. So I still have $11 left in the budget for this month. I’ll either use it for a great deal that pops up or something we need over the next few days or I’ll roll it over to next week. I was excited by this sale on peaches/nectarines! Use the digital coupon and you can get five pounds for just $0.99/lb. Cheese was $4.99 for 32-oz bags and blocks with the digital coupon. And blueberries were $2.99 for an 18-oz. carton. They also had watermelons for $2 and $2.99!! I picked up these two bags of tomatoes marked down to $0.99 each. So I made a version of Homemade Salsa using what we have on hand and am thinking of making a Tomato Pie for the first time with the rest. You can watch this video to see everything I got and what I paid. Our Menu Plan for This Week Breakfast — toast, fruit, cheese, eggs, bagels, Baked Oatmeal, Cinnamon Rolls Lunches — turkey, veggies, fruit, cheese/crackers, leftovers, yogurt, PB&J, Tomato Pie, homemade salsa/chips Snacks — Banana Bread, cheese/crackers, popcorn, fruit, M&M’s, brownies, chips Dinners (we usually have fruit/veggies on the side) —Turkey & Cheese Sliders, Chicken Broccoli Rice Casserole, Meatballs, Homemade Hot Pockets (I’m filling them with the ham & cheese I bought), Frozen Pizza, Leftovers/Fend For Yourself, Dinner Out [ad_2] Source link

[ad_1] This week’s HW+ member spotlight features Tom O’Donoghue, owner at Reverse Loans Now. O’Donoghue has been in mortgage banking for more than 30 years and has been helping and committed to working with Senior Citizens for the last seven years. HW Media: What is your current favorite HW+ article and why? Tom O’Donoghue: How inflation could be a net benefit for reverse mortgages by Chris Clow. This story just reiterated my thoughts on how our industry can help change lives in difficult economic conditions. HW Media: If you had picked a different career path, what would it had been? Tom O’Donoghue: I would have loved to play defensive end for the Los Angeles Rams back in the 1970s. HW Media: When do you feel like a success in your job? Tom O’Donoghue:  I know when I have success when my clients have tears of joy at the closing and refer their friends to me. HW Media: What is the best piece of advice you’ve ever received? Tom O’Donoghue: The best piece of advice I have received was to “chase after relationships not money.” HW Media: What are 2-3 trends that you’re closely following?  Tom O’Donoghue: One of the trends I’ve seen lately, sadly, is that many reverse reps are just “checking out” and waiting for the real estate market to come back or for principal limits to increase.  Instead of adjusting production goals or simply increasing efforts, they sit back and wonder why their production is off. Another trend I am witnessing is that there are reverse reps that seem to have forgotten how to create a first-time reverse borrower, and now that H2H has dried up, they are out of business. Lastly, the trend that is frustrating me is that when I do an unsolicited H2H for one of my current borrowers, and I run their credit report, they get a call from their current loan servicer to try and keep them as customers and not to work with me. HW Media: What do you think will be the big themes for the housing market in 2022? Tom O’Donoghue: In regard to the housing market for 2022, the big theme is how much of an adjustment will the market correct itself?  In the Great Recession, the housing crash was based on non-fundamental loan programs and simple greed.  Since the Great Recession, lending practices returned to acceptable guidelines and with unemployment at a historical low point, prices aren’t crashing 30-40% as before. I would expect about 10-15% depreciation.  As they say, ask five economists what will happen, and you’ll get six different answers. To become an HW+ member, click here. For more information on HW+ benefits, click here. To view past issues of our HW+ exclusive HousingWire Magazine, go here. The post HW+ Member Spotlight: Tom O’Donoghue appeared first on HousingWire. [ad_2] Source link

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[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. Deflating expectations Because valuations of the world’s assets are so heavily dependent these days on the inflation numbers and accompanying interest rate moves, investors eagerly awaited this week’s Consumer Price Index (CPI) report in the U.S. When news broke that we might be past “peak inflation,” the markets rallied and are now not far off from where they were a year ago—even if they have more to do to achieve previous highs. While news of an 8.5% year-over-year increase in the CPI would have been considered shocking at any point in the past few decades, it represented a decline from 9.1% last month, and was lower than the 8.7% predicted by economists. “Core CPI” (the consumer price index figure after food and gasoline are stripped from the equation) rose 5.9%, which was also comforting news for inflation hawks. Source: CNBC Some notable takeaways from the report include: Energy prices declined 4.6% (including 7.7% for gasoline) Food prices increased by 1.1% Shelter costs increased by .5% (and are up 5.7% over the last year) Electricity increased 1.6% Used vehicles declined in price by .4% Airline fares fell by 1.8% (and are down nearly 8% from a year ago) Wages increased by .5% on a “real” (after inflation) basis When you combine these disinflationary numbers with the decreasing inflation expectations of consumers released by the New York Fed survey on Monday, it all adds up to the fact that the tightening monetary policy enacted by central banks around the world appears to be working.  The reason that inflation expectations are such a big deal is that inflation can be a self-fulfilling prophecy. When people expect costs to go up, they demand higher wages, then businesses start to raise prices faster in order to keep pace with increased costs, and the spiral begins. Consequently, when survey respondents indicated that they expected inflation to average “only” 6.2% over the next year, and 3.2% for the next three years, experts are hoping it stops the inflationary spiral in its tracks. As these inflationary pressures begin to abate, most observers expect the central banks around the world to slow down the pace of interest rate increases. Of course, once we get more certainty with the interest rate, it will be easier to reach stable equilibriums on the valuations of companies and long-term bond pricing. This sentiment was likely the main catalyst for broad market movement this week. Tough to beat the master and the mouse Warren Buffett revealed that he continued to be greedy as others were fearful, as the Berkshire Hathaway (BRK.B/NYSE) quarterly report stated that the Oracle of Omaha deployed another USD$6.2 billion of the Berkshire war chest, as well as rewarding shareholders with USD$1 billion in share buy-backs. (All figures in this article are in U.S. currency, unless otherwise stated.)  However, it’s worth noting that while $6.2 billion is a decent chunk of change for any company, it still represents a less greedy Buffett than in the first Quarter, when Buffett really put Berkshire’s cash to good use by purchasing shares worth $51.1 billion. Purchases included: Citigroup, Paramount Global, Ally Financial, Chevron, Occidental Petroleum, HP and Activision Blizzard. While the fact that Berkshire booked a $53-billion loss from the depreciation of shares within its broad portfolio of companies got most of the attention, Berkshire was quick to point out that its operating income (how its underlying companies actually did, as opposed to simple stock pricing) rose by 39% year over year to $9.3 billion. While Berkshire’s stock hasn’t exactly set fire this year, the company’s value investing-based approach held up pretty well relative to the rest of the S&P 500. Source: Financial Times In terms of broad takeaways, the slowdown in Buffett’s spending slightly concerns me. Given that Berkshire still has more than $100 billion in cash on its balance sheet, I would’ve hoped it would be more confident in finding more opportunities to make excellent long-term investments. Clearly, the mixed economic picture is affecting investors’ decision making at this point. Meanwhile, Disney’s (DIS/NYSE) earnings report last Wednesday was all positive. Earnings per share came in at $1.09 (versus a predicted $0.96), while both revenues and the all-important Disney+ subscriptions came in well ahead of analyst expectations as well. With the surge in post-lockdowns “revenge travel,” it’s no mystery why the parks, experiences and products divisions saw revenues increase 72% year over year. Disney shares rose 6% as investors processed the upbeat news. Canadian investors looking to get portfolio exposure to Disney and Berkshire can do so through CDRs on the Neo exchange. Bausch suffers from IBS—that’s Irritable Balance Sheet Because Canada’s healthcare sector is so small comparatively speaking, when one of our few large companies sees a year-to-date drawdown of more than 80%, it’s pretty big news. Source: Google Finance The massive hit was due to a court decision involving Bausch’s (BHC/TSX) patent for the drug Xifaxan. This drug is used to treat irritable bowel syndrome (IBS), and because Bausch was set to have exclusive rights of production until 2029, substantial profit margins were baked into the company’s current valuation.  When the court decision awarded Norwich Pharmaceuticals the right to produce a generic version of the drug sooner than expected, Bausch investors saw those rewarding profit margins evaporate. Bausch quickly stated that it would be contesting the decision. Current quarterly results didn’t exactly inspire confidence either, with revenues down from last year, and an overall loss of USD$145 million. While Bausch is headquartered in Laval, Quebec, it is listed on both the TSX and NYSE, so it chooses to report financial results in USD. Many Canadians might be more familiar with the company’s former name of Valeant. Valeant was briefly Canada’s largest company by market capitalization, before suffering a well-publicized collapse. While Bausch was able to jettison the Valeant name, the company is still encumbered by USD$22