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[ad_1] This week’s HW+ member spotlight features Brian Gubernick, chief real estate officer at Homeward. He has more than 15 years of industry experience, holding multiple positions in the industry including being an investor, team owner/leader, brokerage operating partner, coach and trainer and corporate executive. Below, Gubernick answers questions about the housing industry: HousingWire: What is your current favorite HW+ article and why? Brian Gubernick: While I do not think I have a favorite article, I definitely have a favorite section right now…and that’s “Mortgage”!  I’ve been in the residential real estate business for over 15 years, but most of my experience has been on the agent and brokerage side of things.  In order to be more effective in my role at Homeward, I’ve had to deepen my understanding of mortgage. This includes developing a stronger knowledge about mortgage products, origination, compliance and regulatory matters, how loan officers operate day to day and mortgage sales. HW+ has been a major resource in getting my knowledge base to where it needs to be! HousingWire: What is the weirdest job you’ve ever had? Brian Gubernick: When I was in my 20s I decided I wanted to be an entrepreneur.  Prior to getting my real estate license and starting my sales team, I actually owned and operated a tanning salon! I randomly learned of a salon for sale and figured “that sounds interesting…I can build that business.” And so, I bought the salon (on terms of course, because I certainly did not have the money to buy a business at that time), renamed it “Desert Bronze Tanning,” created a logo and slapped it on the door and went to work!  It actually turned out to be a half-decent investment for me. HousingWire: What is the best piece of advice you’ve ever received? Brian Gubernick: This is a difficult one as I’ve received a lot of great advice over the years from some very wise individuals.  But the advice that I think about on a daily basis came from my friend and mentor, Gary (Keller) – “Align your actions around one true north vision for your life, spend your days living up to the reputation you want to be known for and surround yourself with people who want what you want.” HousingWire: What has been your biggest learning opportunity? Brian Gubernick: No question, the greatest learning opportunity I’ve experienced was the 2007-2008 housing market crash.  As a novice real estate investor at the time, the market downturn completely wiped me out.  As a result, I had to “relaunch” my business career.  The failure and all that I learned from that experience shaped me to be the business person I am today.  HousingWire: What’s one thing that people aren’t paying attention to that you think they should be paying attention to?  Brian Gubernick: People are aware of this, but I believe it needs an even greater focus — how unaffordable it has become for the average family to purchase a home.  NAR recently shared that there are nearly 30% more homes available for sale compared to earlier in the year but that buyers need to earn at least $125,000 to afford to buy most of these additional homes.  Given that the average family income is less than $70,000 this is nothing short of a crisis.  We’ve all seen the stats — the average net worth of a homeowner is 40x greater than that of a renter.  We need to get more well-deserving people into homeownership, and this is a major focus for our team at Homeward this year and beyond. HousingWire: What keeps you up at night and why?  Brian Gubernick: Lots of things are keeping me up at this moment! But the issue that seems to take up space in my mind, and has for several years now, is the threat that I believe Realtors are under as it pertains to our role in the industry.  There are just so many companies that have the objective of displacing the Realtor altogether. “Disrupters” that believe that wedging their way between the Realtor and his or her database is what is best for buyers and sellers. I fundamentally disagree with this and think that a compassionate, well-educated, professional fiduciary (a Realtor) best serves the buyer/seller and the housing space, at large.   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: Brian Gubernick 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. Big thanks to Jon and Dale for taking the “Making sense of the markets” baton the last few weeks as my wife and I enjoyed a much needed vacation. The time away was excellent—the airports, not so much. In any case, the markets never take a break, and with earnings season kicking off, there was no shortage of storylines to catch up on. Interest rates continue rise in race against inflation  Inflation—and governments’ response to it—continues to dominate the headlines and control investor sentiment. The Bank of Canada (BoC) surprised business leaders on Wednesday with a full 1% raise of the benchmark interest rate, from 1.5% to 2.5%. Experts had predicted a 0.75% increase, which would be in line with the U.S. Federal Reserve’s recent increase—from 0.75% to 1.5%. Instead, the BoC chose to be even more hawkish on inflation than our southerly neighbor. The quarterly Money Policy Report explains that the BoC is now forecasting 7.2% annual inflation in 2022, and 4.6% in 2023—a substantial increase on past forecasts. Notably though, the bank does not believe these aggressive lending rate moves will necessarily throw the Canadian economy into a recession. The bank’s primary concern is the psychological aspects of inflation becoming cemented into place and triggering long term wage-price consequences. Notably, the BoC recognized it had very little control over some aspects of inflation, and it says: “While global factors such as the war in Ukraine and ongoing supply disruptions have been the biggest drivers, domestic price pressures from excess demand are becoming more prominent.” Source: CBC News Meanwhile, in the U.S., reports of 9.1% annual inflation show that while it might be getting close to peak inflation, it’s not going to go down without a fight. Markets were down this week as businesses and market makers were forced to recalibrate their interest rate expectations going forward. With inflation and interest-rate news now being such a key short-term market driver, we’ve entered this weird twilight zone, where negative economic news such as a rising unemployment rate would actually be welcomed. That’s because it would mean inflation-fighting measures are starting to work.  On the other hand, good news is now bad news. This indicates that rates will have to rise even higher before they accomplish their inflation-flattening goals. Energy costs were cited as the main driver of inflation – which might actually bode well for everyone considering the downward trend we’ve seen in energy prices so far in July.   For Pepsi profits, size does matter PepsiCo’s (PEP/NASDAQ) earnings this week continued to reward patient investors who invest in companies with solid fundamentals. The company’s net sales came in at USD$20.2 billion versus Wall Street estimates of $19.55 billion. Earnings per share were $1.86, substantially topping the estimate of $1.74. Highlighted in the earnings call was the willingness of consumers to accept higher prices for Doritos chips and Gatorade, as well as overall growth in Africa, the Middle East and Asia. Despite the solid bottom line, PepsiCo executives aren’t exactly taking a victory lap. They appear to be laser-focused on keeping costs under control. PepsiCo’s chief financial officer Hugh Johnston says, “Balance of the year inflation is higher than it is for the first half of the year. I think we’ve mentioned in the past, we’re in the teens in terms of commodity inflation. That will continue, but a little bit higher in the back half.”   When you consider, not only the supply pressures, but also the USD$1.17 billion hit the company took from the Russia-Ukraine war, the quarter was a major win. Once again we see that revenues and earnings from a company with pricing power are remaining strong despite gloomy investor sentiments. Of course, long-term investing in a company that produces delicious, addictive products isn’t exactly an original idea. Warren Buffett has been investing in Coke (KO/NYSE)—and drinking five cans a day!—for several decades now.  U.S. bank earnings increase market fears Analysts expected some “reversion to the mean” for U.S. bank earnings after massive revenue jumps last year; however, even these moderated expectations proved to be too optimistic. (All numbers below in U.S. currency.)  Note: “Reversion to the mean” is a statistical term, meaning data sets are more likely to come back to their average point, instead of continuously posting outlier results, over the long term.  JPMorgan (JPM/NYSE): Even “economic rockstar” and JPMorgan CEO Jamie Dimon wasn’t immune to the bank downturn. Earnings fell 28%, and earnings per share were $2.76, versus the predicted $2.88. The stock was down 5% in early trading after the earnings call, and is now down nearly 30% year to date. Morgan Stanley (MS/NYSE): A 55% drop in investment banking revenues highlighted a rough quarterly report. Overall revenue came in at $13.13 billion, versus $13.48 billion predicted. And earnings per share were $1.39, versus $1.53 predicted. Wells Fargo (WFC/NYSE): Second quarter profit declined 48% from last year, but this decline was somewhat expected. Adjusted earnings per share were $0.82, versus $0.80 predicted, on revenues of $17.03 billion versus $17.53 billion predicted. Citigroup (C/NYSE): Citigroup fared the best out of the U.S. banks that reported this week, as earnings per share were $2.19 versus $1.68 predicted. Revenues were $19.64 billion versus $18.22 billion predicted and shares were up over 3% in early trading. While U.S. banks are seeing substantially lower revenues from investment banking, this was expected to some degree in year over year comparisons given how hot that market was in 2021. Given the dramatic differences in revenue models between Canadian banks and their U.S. counterparts, investors should be careful when making negative extrapolations and applying them to their Canada-based financials portfolio. While the threat of a recession clearly isn’t good news for banks anywhere in the world, they should receive some tailwinds in the form of increasing interest rates spreads going forward. I still don’t believe this recession

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[ad_1] All India Council of Technical Education (AICTE) has organised conclave on ‘Implementation of National Education Policy (NEP) 2020: Facilitating Engineering Education in Indian Languages’ on July 15, 2022. The conclave was attended by professor Anil D Sahasrabudhe, chairman, AICTE; professor Chamu Krishna Shastry, chairman, High Powered Committee for the Promotion of Indian Languages, Ministry of Education, Government of India, professor M P Poonia, vice chairman (VC), AICTE along with vice chancellor of technical universities, director of NITs and representatives from professional such as Indian National Academy of Engineering (INAE) to spread awareness about technical education in the Indian Language. “Language is a powerful medium to reach the last person standing and give students the confidence to learn better in their own language. Language should not be a barrier in learning. After the first year, we are ramping up our translation and writing in Indian languages for second and further years of engineering. It is getting even more intense as subjects diversify and electives come in,” Sahasrabudhe, chairman, AICTE said. The conclave was divided into different sessions namely ‘Genesis and Importance of Education in Mother Tongue’, ‘Role of the Universities, State Technical Education Department, Regulatory Bodies as an enabler to Impart Technical Education in Indian Languages’ and ‘Future road map to make outcome-based education accessible in Indian languages. In alignment with the National Education Policy (NEP) 2020, AICTE has initiated technical education in Indian Languages in the year 2021-22. To provide the course material in Indian Languages, AICTE has introduced ‘AICTE Technical Book Writing and Translation’ in 12 Indian languages which include include Hindi, Marathi, Bengali, Tamil, Telugu, Gujarati, Kannada, Punjabi, Odia, Assamese, Urdu and Malayalam. In 2022-23, AICTE has already initiated the process for the second year’s original book writing in English in 88 subjects out of which 42 at degree level and 46 at diploma level, have been identified by AICTE for the second year, and original book writing in English has commenced. With the support of the Technical Education Department of respective states, AICTE is distributing one set of books in Indian languages for the libraries of each Degree and diploma level institution of the state. AICTE has further initiated the chapter-wise translation of these 88 subjects into 12 Indian Languages with the involvement of the technical universities and other organizations across the country. AICTE has already earmarked a budget of Rs 18.6 crores for developing the second-year course material in English and its translation into 12 Indian languages. At the same time, 40 institutes across 10 states namely Andhra Pradesh, Haryana, Karnataka, Madhya Pradesh, Maharashtra, Rajasthan, Tamil Nadu, Uttar Pradesh, Uttarakhand and West Bengal have come forward to start engineering education in one or more disciplines in six Indian Languages — Bengali, Hindi, Kannada, Marathi, Tamil and Telugu with a total intake capacity of 2070 students in 2022-23, as of now. In the first year, 22 books were identified (twelve books at the diploma level and ten at under graduate level) and were initially translated into nine Indian languages. The translation in the remaining three Indian Languages (Assamese, Urdu and Malayalam) is in process. For the translation, AICTE used an in-house developed AI-based translator tool, and subsequently, the translated files are assigned to subject experts, translators and reviewers for validation. A total of 520 authors, translators and reviewers have sustained efforts over the last year towards completing the task related to the first-year books. The council mentioned that in this effort, 255 students enrolled in Indian Languages across seven disciplines namely Computer Science and Engineering, Electrical Engineering, Mechanical Engineering, Information Technology, Electronics and Communication Engineering and Civil Engineering. Furthermore, AICTE started original book writing in English for the first year and then its translation in 12 Indian languages, post original writing, as per AICTE’s model curriculum and Outcome-based education model. These books have the potential to be utilised in Indian Institute of Technologies, National Institute of Technologies (NITs) along with other AICTE-approved institutes. Read also: UNICEF and YuWaah launches #YoungWarriorNXT report on life skills, marks World Youth Skills Day [ad_2] Source link

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[ad_1] British fast-charging battery startup Nyobolt said on Friday it has raised 50 million pounds ($59 million) in Series B funding to build a UK manufacturing plant in 2023 to produce millions of battery cells. The funding round was led by H.C. Starck Tungsten Powders, a unit of Vietnamese mining company Masan High-Tech Materials, one of the world’s largest tungsten suppliers. Through a strategic partnership, Goslar, Germany-based H.C. Starck will help Nyobolt scale up manufacturing and its battery recycling program. Nyobolt has been developing battery anodes using niobium and tungsten that could enable electric vehicles (EVs) to charge in minutes. Niobium and tungsten are both stable metals often used to strengthen steel or create steel alloys. Cambridge-based Nyobolt is currently focusing on high-performance racing EVs, but executives say its batteries could be ready for use in mass-market EV models later this decade. In the race to go electric, carmakers have focused on the range to ease consumer anxiety over charging infrastructure, but battery startups are already working on the smaller, longer-lasting, and cheaper batteries of the future, which also charge more quickly. [ad_2] Source link