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[ad_1] Yum! Get a free mini cup of Dippin’ Dots next week! Stop by your local Dippin’ Dots on July 17, 2022 to score a free mini cup of Dippin Dots! This freebie will only be available during a two hour window, so be sure to check with your local store to see when the giveaway will be. Find your nearest location here. Thanks, Free Stuff Finder! [ad_2] Source link

[ad_1] According to the World Health Organisation, cancer accounted for nearly one in six deaths in 2020. Cancer can occur due to mutations in oncogenes or tumour suppressor genes or both. However, not all mutations result in cancer. Therefore, it is important to identify the genes causing cancer to devise personalised treatment strategies. IIT Madras researchers have developed an artificial intelligence-based tool, ‘PIVOT’, that can predict cancer-causing genes in an individual. The prediction is based on a model that utilises information on mutations, expression of genes, and copy number variation in genes and perturbations in the biological network due to an altered gene expression. The research was led by Raghunathan Rengaswamy, Dean (Global Engagement), and professor, department of chemical engineering, IIT Madras; Karthik Raman, associate professor, Bhupat and Jyoti Mehta School of Biosciences, and a core member, Robert Bosch Centre for Data Science and Artificial Intelligence (RBCDSAI), IIT Madras; and Malvika Sudhakar, a research scholar at IIT Madras. Raman said, “Cancer, being a complex disease, cannot be dealt with in a one-treatment-fits-all fashion. As cancer treatment increasingly shifts towards personalised care, such models that help pinpoint differences between patients can be very useful.” Current cancer treatments are known to be detrimental to the overall health of the patient. Knowledge of the genes responsible for the initiation and progression of cancer can help determine the combination of drugs and therapy most suitable for a patient’s recovery. Although there are tools available to identify personalised cancer genes, they use unsupervised learning and make predictions based on the presence and absence of mutations in cancer-related genes. This study is the first one to use supervised learning and takes into account the functional impact of mutations while making predictions. The researchers have built AI prediction models for three types of cancer: Breast Invasive Carcinoma, Colon Adenocarcinoma and Lung Adenocarcinoma. They plan to extend the tool’s use to many more cancer types. The team is also working on a list of personalised cancer-causing genes that can help identify the most suitable drugs for individual patients. [ad_2] Source link

[ad_1] This week’s HW+ member spotlight features Rogers Healy, Owner and CEO, at Rogers Healy and Associates. Below, Healy answers questions about the housing industry: HousingWire: What is your current favorite HW+ article and why? Rogers Healy: This is my favorite article because it accurately outlines how the housing market is not the only factor in a recession. It seems people believe that the entire economy revolves around the housing market, when there are many other key factors such as job growth. I also loved this article because I am excited to see the job market recover from the pandemic. We are currently hiring at The Rogers Healy Companies for all sorts of leadership positions!  HousingWire: When do you feel success in your job? Rogers Healy: I give the gift of confidence. I work every day to foster the growth of everyone from new real estate agents to young professionals in all sectors of business. I feel like I have struck gold when somebody discovers their potential and learns how to accurately maximize it. When I inspire others to work hard, it makes me so proud when they realize what is possible for them to achieve. Maintaining motivation and encouragement is my absolute favorite way to influence and help others. In my opinion, helping people reach independence and milestones is the ultimate form of personal success. Whether it be closing the sale of their first home, representing their first buyer, or presenting a captivating marketing pitch, it is my job to encourage them every step of the way. It’s my mission to be the best leader I can be, so everyone around me gets to find the best version of themself. Being the best version of yourself leads to discovering your talents. Fostering growth is so important to both me individually and the culture of The Rogers Healy Companies. It’s a true joy leading the next generation of leaders, and watching their futures unfold. HousingWire: What is the best piece of advice you’ve ever received? Rogers Healy: Oscar Wilde once said, “Be Yourself – Everyone Else Is Taken.” This quote resonated with me at a very young age when my grandmother gave me this piece of advice. I still think of it all the time, and continuously spread the wisdom by telling it to others. I learned that if you are not being yourself, you are only hurting yourself. There is no harm in being goofy, but there is harm in being too reserved. Giving the world the most authentic version of yourself will help you build the confidence that you need to succeed. In most situations, including mine, not everyone is going to like you. With success comes trials and tribulations. In my experience, there is always going to be somebody that wants to tear down your success. It is important to not value your self worth based on other people’s opinions. I believe that you must give the world your truest version of yourself in order to make the biggest impact on both the world and your potential.  HousingWire: If you could change or implement one piece of housing regulation, what would it be and why? Rogers Healy: I wish there was a universal MLS. I wish people would have the ability to study markets outside of their little sub market and become more familiar with different trends and architectural styles. This would also allow agents to operate in other neighborhoods and cities. I believe being able to expand outside of your city would allow real estate agents to better serve their clients. Especially with today’s market experiencing such low inventory, I believe this could be really beneficial. Real estate agents would have the opportunity to not only operate in other cities and suburbs, but also learn more about places they are unfamiliar with. Certain architectural styles are specific to certain neighborhoods. Say a client is considering several different cities and suburbs, in most cases their realtor will only be able to operate in one and have to refer them to someone else if they’d like to make an offer on a property outside of their designated MLS system.  HousingWire: What do you think will be the big themes for the housing market in 2022? Rogers Healy: They’re heading back to their roots.  Many millennials fled to the big cities after college graduation, and it’s time to come home and settle down. They are ready to move into homes where they can start a family, create equity, and be closer to their parents. Moving into the Baby Boomers’ abodes  Nearly 10,000 Baby Boomers are turning 65 years old everyday. Which in turn means retirement, downsizing, moving to a condo in the Bahamas –  whatever it may be. Millennials now have the opportunity to purchase these generational homes and ditch their leases.  Rises Rent + Parental Guidance Many parents of the millennial generation see rental prices rising and want to lend a helping hand to their beloved children for them to own property, much like they did back in the day. 25% of homebuyers ages 23-31 received down payment help from their family, considering it an investment gift.  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: Rogers Healy appeared first on HousingWire. [ad_2] Source link

[ad_1] Helping kids pay for college can be a wonderful gift, yet parents and families should always conduct due diligence before they take out any type of loan. For example, families should know exactly how much in loans they’re taking out, the interest rate they’ll be asked to pay, and the monthly payment they’ll need to plan for. Parent borrowers in particular should also understand they’ll be legally responsible for repaying student loan balances they co-sign for — even if their student doesn’t keep up with their end of the bargain. With all this in mind, there are several important tips and tricks that can help parents and their students get a better deal on private student loans, wind up with a more reasonable monthly payment, or pay off loan balances faster. Student boy happy with an excellent mark. School or college pupil showing parents a test with good grade, great study achievement. Science, education concept. Vector flat style cartoon illustration If you’re a parent who is considering co-signing private student loans, read on to learn the important steps you can take early in the process. 1. Shopping Around Can Pay Off First off, it’s important to know that you don’t have to go with the first student loan company you find. In fact, you can save money and enjoy better customer service if you shop around and compare lenders based on these factors. Start by comparing the interest rates lenders are able to offer, and look for lenders that let you pre-qualify or “check your rate” without a hard inquiry on your credit report. From there, take the time to read the user reviews of multiple lenders, and check for accreditation with the Better Business Bureau (BBB). If you want to lock in a low interest rate, now is a good time to shop for private student loans with fixed rates as well. After all, the Federal Reserve recently increased interest rates by a quarter of a percentage point, and they have already announced six more interest rate hikes in the next year. 2. Compare Multiple Repayment Plans Also make sure you consider private student loans with flexible repayment plans you can choose from. After all, you may want to pay off private student loans as quickly as possible in some situations, yet others need to pay longer in order to secure a lower monthly payment. As an example, College Ave Student Loans paves the way for most borrowers to pay their loans off over five to 15 years. This broad range of options can help you and your family find a monthly payment that fits your budget, whether that’s to pay it quickly as possibly or to have some flexibility with a lower monthly payment. 3. Early Payments Can Make a Big Difference As you shop around for loan options, you should also remember that you may be able to make interest-only payments while your child is in college, but you can also pay up to the full principal and interest and payment starting from month one. Having this flexibility gives you options when it comes to paying for college, yet it’s important to note that making early payments will help you keep loan costs at a minimum. According to College Ave, more than three quarters of their borrowers (76%) choose a repayment plan that lasts ten years or less. By choosing a shorter repayment term and making full principal and interest payments while your kid is in college, you can put student debt behind you faster and save money along the way. 4. Take Advantage of Discounts Speaking of saving money, also make sure to check for any discounts you may be eligible for. The most common discount is the auto-pay discount, which can be applied to your account when you agree to let your lender automatically deduct your bank account for your payment amount. With College Ave for example, the 0.25% auto-pay interest rate reduction applies as long as a valid bank account is designated for required monthly payments. By signing up for auto-pay, you also ensure there will be no missed or late payments. 5. Look for Ways to Borrow Less Also make sure you and your college student are doing everything you can to minimize borrowing costs. Ways to pay less for higher education can include things like living at home instead of on-campus, attending a state school instead of a private university, and even attending community college. Remember that borrowing less for college can help you save in more than one way as well. Not only can you take steps to minimize your initial loan amounts, but borrowing less leads to lower interest charges over the long run. 6. Student Loan Calculators Are a Valuable Tool Finally, you should have access to tools that can help you visualize the full impact of borrowing money for college. Believe it or not, but something as simple as a student loan calculator can help you gain a full understanding of how much you’re borrowing, what your monthly payment will be, and the total interest charges that can accrue over the life of a loan. As an example, let’s say you plan to borrow $20,000 to help your college student pay for their graduate degree. If you qualified for a fixed interest rate of 4% and chose to repay your loan over ten years, a student loan calculator can help you see that the monthly payment would be $206.54, and that the total loan costs would work out to $24,784.81. You can even use a student loan calculator to see the impact of making full principal and interest payments during college versus making interest-only payments or flat payments during school. Final Thoughts Private student loans can help you finance one of the most important investments you’ll ever make — an investment in your child’s education. However, borrowing should never be taken lightly, and it’s important to know you’ll have to pay back the entire loan amount

[ad_1] The post Honeydue Review: Free Budgeting App for Couples appeared first on Millennial Money. Anyone in a relationship knows that budgeting is a touchy subject. It’s also a leading cause of arguments (and even divorce) among couples. With this in mind, staying organized and having a financial plan with your significant other is always a good idea. Shared expenses don’t need to be a struggle, and apps like Honeydue can guide you toward power couple status. In this post, I’ll run through how Honeydue can simplify your budgeting. I’ll also compare it to other budgeting apps and weigh its pros and cons to help you figure out if the app makes sense for you.  Let’s start with a look at what Honeydue is and how it works.  Overall Rating Pros 100% free Easy-to-use budgeting app for couples Highly-rated iPhone app Optional Joint Cash account Cons No signup bonus Limited customer support No APY earning on Joint Cash deposits No round up or investing features What Is Honeydue? Honeydue is a budgeting app with one simple mission: helping couples manage their money better together. You can link your bank accounts, coordinate bill payments, and even open a joint checking account through the app. Rather than constantly updating a shared spreadsheet, the couple’s expenses are visible in the app in real time.  Now that you have a better idea of what Honeydue is, let’s examine some of its features and the user experience for handling personal finance as a couple. Honeydue Features Mobile App Honeydue is entirely app-based, and it’s available on both iOS and Android devices. At the moment, the app has a commendable 4.5-star rating (out of 5) in the App Store and 4 stars (out of 5) in the Google Play Store.  Account Tracking When couples sign up for Honeydue, the first step is to link all of your relevant accounts so that the app can track them. This could include bank account, loan, credit card, investment account — whatever makes the most sense for your unique financial situation as a couple.  The more you add, the better overall picture you’ll have of your monthly spending habits, shared financial position, and financial goals. Honeydue supports more than 20,000 financial institutions across five countries, so odds are you won’t have an issue adding yours.  Once your accounts are linked, you’ll have control over what your partner can and can’t see. For example, you can choose to share your account balance and transactions, just the balance, or nothing at all. Honeydue recommends couples start out with “balances only.”  For deeper insight into your spending, the app breaks transactions down into 17 different preset categories. But you can also add your own categories to fit your personal budgeting style.  Bill Reminders Honeydue offers due date reminders to help you stay away from late fees or missed payments. In the app, you can enter your recurring bills along with who’s responsible for paying them. When it comes time to pay, Honeydue will hit you or your partner with a reminder notification, which should help you settle your bills on time. You can also split expenses and easily keep track of who owes what. Similar to apps like SplitWise, you can enter in all of your shared costs and the app will compute the total balance to help you settle up. Live Chat One of the most helpful features of Honeydue is its in-app chat function.  Suppose you’re curious about a questionable transaction that your partner made. In that case, you can send your partner a direct message — or a sassy emoji 😉 — rather than flipping back and forth between your messaging and personal finance apps.  Plus, you can easily discuss specific charges in the app rather than having to take a screenshot from one account and forward it along in a text. Keep discussions of your partner’s weird spending habit or your shared savings goal in the app and out of the bedroom. Joint Cash Account Honeydue’s Joint Cash account is a joint bank account both you and your partner can use. Joint Cash is FDIC-insured through Honeydue’s partnership with Sutton Bank. Here are the main features that come with a Joint Cash account: Visa debit cards for each of you No monthly fees or minimum deposit requirements Fee-free access to more than 55,000 ATMs nationwide with your Visa card Custom notifications Real-time balance updates Modern budgeting tools Honeydue Pricing and Fees Honeydue’s money management platform is entirely free. It does solicit its users for tips, but these are completely optional. If you like the platform, you can choose to add a recurring tip between $1 and $10 per month, which you can cancel at any time — or never offer in the first place.  The good news is that whether you tip or not won’t affect your account status, and none of Honeydue’s features sit behind a paywall.  Signing Up and Getting Started To get started with Honeydue, all you need to do is download the app and enter your email address. It takes less than a minute to set up an account.  After confirming your email, you have the option to invite your partner immediately or reach out to them later on. The same goes for adding your recurring bills and bank accounts.  You’ll need to enter some additional information to sign up for a Joint Cash account. Luckily, this won’t affect your credit score because Honeydue doesn’t run a credit check.  Honeydue Promotions, Bonuses, and Coupons At the time of this writing, Honeydue isn’t offering any sign-up bonuses or promotions for new accounts. The Joint Cash account is relatively new, though, so it wouldn’t come as a surprise if Honeydue eventually runs a promotion to attract new signups.  I’ll keep you updated if and when a bonus shows up, so keep checking back.  Honeydue Security To use Honeydue effectively, you need to link your most sensitive financial information.  Fortunately, Honeydue has bank-level security practices in place to

[ad_1] Don’t miss this great freebie from Subway! Subway is giving away one million FREE 6-inch Subway Series subs on July 12th! Just stop by from 10AM to 12PM and request your free 6″ Sub. Thanks, Freebie Shark! [ad_2] Source link

[ad_1] Novak Djokovic waited. He waited for Nick Kyrgios to lose focus and lose his way. Waited to find the proper read on his foe’s big serves. Waited until his own level rose to the occasion. Djokovic is not bothered by a deficit — in a game, a set, a match. He does not mind problem-solving. And at Wimbledon, for quite some time now, he does not get defeated. Djokovic used his steady brilliance to beat the ace-delivering, trick-shot-hitting, constantly chattering Kyrgios 4-6, 6-3, 6-4, 7-6 (3) on Sunday for a fourth consecutive championship at the All England Club and seventh overall. “Every single time, it gets more and more meaningful and special,” the top-seeded Djokovic said. “It always has been, and will be, the most special tournament in my heart. The one that motivated me and inspired me to start playing tennis in a small little mountain resort in Serbia.” He extended his unbeaten run at the grass-court Grand Slam tournament to 28 matches and raised his career haul to 21 major trophies, breaking a tie with Roger Federer and moving just one behind Rafael Nadal’s 22 for the most in the history of men’s tennis. Among men, only Federer, with eight, has won more titles at Wimbledon than Djokovic. In the professional era, only Federer was older (by less than a year) than the 35-year-old Djokovic when winning at the All England Club. This comeback on a sun-filled afternoon followed those in the quarterfinals, when Djokovic erased a two-set deficit against No. 10 seed Jannik Sinner, and in the semifinals, when No. 9 Cam Norrie grabbed the opening set. In last year’s title match at Wimbledon, Djokovic dropped the opening set. In the 2019 final, he erased two championship points against Federer. Kyrgios was terrific at the start Sunday, almost perfect in the first set, with 11 aces before he made a second unforced error. Could it last, though? There were two particularly key moments, ones that Kyrgios would not let go as he began engaging in running monologues, shouting at himself or his entourage (which does not include a full-time coach), earning a warning for cursing, finding reason to disagree with the chair umpire he fist-bumped before the match, and chucking a water bottle. In the second set, with Djokovic serving at 5-3, Kyrgios got to love-40 — a trio of break points. But Kyrgios played a couple of casual returns, and Djokovic eventually held. When that set ended, Kyrgios waved dismissively toward his box, sat down and dropped his racket to the turf, then groused, to no one in particular: “It was love-40! Can it get any bigger or what?! Is that big enough for you?!” And then, in the third set, with Kyrgios serving at 4-all, 40-love, he again let a seemingly sealed game get away, with Djokovic breaking there. The 40th-ranked Kyrgios was trying to become the first unseeded men’s champion at Wimbledon since Goran Ivanisevic in 2001. Ivanisevic is now Djokovic’s coach and was in the Centre Court guest box for the match. Kyrgios, the 27-year-old Australian, had never had been past the quarterfinals in 29 previous Grand Slam appearances — and the last time he made it even that far was 7 1/2 years ago. Still, his talent is unmistakable. But over the years, Kyrgios has drawn more notice for his preference for style over substance on court, his tempestuousness that has earned him ejections and suspensions and his taste for the nightlife. During the past two weeks alone, Kyrgios racked up $14,000 in fines — one for spitting at a heckling spectator after a first-round victory, another for cursing during a wildly contentious win against No. 4 seed Stefanos Tsitsipas in the third round — and caught flack for wearing a red hat and sneakers before or after matches at a place where all-white clothing is mandated. Word also emerged that he is due in court in Australia to face an assault allegation. On Sunday, Kyrgios tried shots between his legs, hit some with his back to the net, pounded serves at up to 136 mph and produced 30 aces. He used an underarm serve, then faked one later. For all of the significant records and other factoids logged in the 560-page Wimbledon Compendium — including categories such as “ambidextrous players” or “runners-up who wore glasses in a final” — no mention is made of “underarm serves in a gentleman’s final,” but it seems safe to say that was a first. Perhaps, in some ways, it would have been fitting for such a unique player to emerge as the champion at such a unique Wimbledon. All players representing Russia or Belarus were banned by the All England Club because of the war in Ukraine; among the men that kept out of the field were No. 1-ranked Daniil Medvedev, the reigning U.S. Open champion, and No. 8 Andrey Rublev. In response, the WTA and ATP professional tennis tours took the unprecedented step of revoking all ranking points from Wimbledon. A woman who was born in Russia but has represented Kazakhstan for four years, Elena Rybakina, won the women’s trophy Saturday with a 3-6, 6-2, 6-2 victory over Ons Jabeur. It was the first Wimbledon title match since 1962 between two women making their Grand Slam final debuts, and Rybakina, at No. 23, is the second-lowest female champion at the All England Club since WTA computerized rankings began in 1975. There’s more: Federer missed the tournament for the first time since the late 1990s because he is still recovering from a series of operations on his right knee. The No. 2 man in the rankings, Alexander Zverev, sat out after tearing ankle ligaments at the French Open. Three of the top 20 seeded men, including 2021 runner-up Matteo Berrettini, pulled out of Wimbledon after it began because they tested positive for COVID-19. And Nadal withdrew before he was supposed to face Kyrgios in the semifinals, the first time since 1931 that a

[ad_1] Institutional players in the single-family rental (SFR) market have been expanding their reach into select American neighborhoods since the global financial crisis of 2008, but they now find themselves in an uncomfortable limelight.  They are under scrutiny in Congress and accused of gentrifying minority neighborhoods and allegedly displacing large numbers of people of color — Black residents in particular. That is a major takeaway in a Congressional subcommittee report on a recent survey of the nation’s five largest institutional owners and operators of SFR homes. The survey, sponsored by the Democrat-controlled U.S. House Financial Services Committee’s Subcommittee on Oversight and Investigations (the subcommittee), was sent to the following companies: Invitation Homes; American Homes 4 Rent; FirstKey Homes (owned by Cerberus Capital Management); Progress Residential (owned by Pretium Partners); and Amherst Residential. As of the end of the third quarter of last year, according to the report, those five companies owned a total of 280,637 single-family rental properties. “To fund their acquisitions, companies raise billions of dollars in capital from hedge funds, pension funds, ultra-high net worth individuals, and other institutional investors, who such companies consider to be their customers,” the House subcommittee’s report on its survey findings state. “The ability of SFR companies to purchase homes with cash provides a competitive advantage.” The financial muscle of these institutional SFR companies also is revealed in securitization deals tracked by Kroll Bond Rating Agency (KBRA). The bond-rating agency’s data shows that so far this year, institutional players — including companies like Progress Residential, FirstKey Homes and Tricon Residential — have undertaken total of 11 private-label SFR securitization deals involving some $8.2 billion in corporate notes secured by a total of some 27,200 rental properties, primarily single-family dwellings.  “Despite the growing appetite for SFR investments, institutional equity ownership in the overall SFR market today is still estimated at only around 2%,” a market insight report from MetLife Investment Management (MIM) states. “MIM believes [however] that institutional SFR ownership is likely to grow significantly over the next decade. “MIM’s analysis indicates that simply moving institutional ownership of SFR from 2% today to 10% [of the investment-property market] in the future will result in a need for over $200 billion in incremental debt financing.”  Today, the bulk of second homes and investment properties nationwide are still owned by smaller real estate firms and so-called “mom-and-pop” investors. Critics of the institutional SFR companies, however, point out that those national figures distort the concentrated nature of the problems created by the “Wall Street” investors. “Securitized SFR homes are heavily clustered in the Sunbelt, which comprises the Southeastern, Southwestern and Western U.S. region, and in communities that previously experienced high foreclosure rates following the 2008 financial crisis,” the House subcommittee’s report on its findings states. “For example, in the third quarter of 2021 alone, institutional investors bought 42.8% of homes for sale in the Atlanta metro area and 38.8% of homes in the Phoenix-Glendale-Scottsdale area.” The House subcommittee punctuated its survey results by holding a public hearing recently — on Tuesday, June 28 — titled “Where have all the houses gone? Private equity, single-family rentals and America’s neighborhoods.” “Today’s hearing will examine troubling issues regarding the mass predatory purchasing of single-family homes by private-equity firms, including the adverse impact predatory purchasing has had on first-time homebuyers, the working class and people of color,” said U.S. Rep. Al Green, D-Texas, chairman of the House subcommittee, in his opening remarks. “…These private-equity firms have the advantage of being able to purchase these homes with cash; therefore, they easily out-compete individual buyers who may require loans. This all has the troubling effect of displacing residents of color and leading to gentrification of these communities.” The major findings of the House subcommittee’s survey of the five leading institutional SFR companies, coupled with data from the U.S. Census Bureau’s American Community Survey, are as follows: The five SFR companies expanded their housing stock between March 31, 2018, and September 30, 2021, by 27% — with a total net property gain of 76,235 single-family homes. They also tended to acquire homes in neighborhoods with Black populations significantly greater than the national average. “The average population represented across the companies’ top 20 zip codes was 40.2% Black, which is over three times the Black population in the U.S. (13.4%),” the House subcommittee’s summary of the survey findings state. The companies also tended to purchase homes in areas with lower home prices but higher rents. “The average median gross rent in the five companies’ 20 top zip-code tract areas ($1,259) was approximately 13% above the national median ($1,096),” the House committee’s report states. The companies also increased fees per lease by 40% over the survey period — from $147.20 in 2018 to $205.29 in 2021. And, finally, the House subcommittee reported that the “total number of tenants behind on rent and fees increased by almost two-fold [over the survey period], with tenants with rental arrears increasing from 11.3% in 2018 to 19.1% in 2021, and the number of tenants with fee arears increasing from 10% in 2018 to 20.7% in 2021.” Witnesses called to testify before the subcommittee in the hearing held last week were vocal in their concerns over the growing influence of Wall Street-backed SFR companies.  “Just over a decade ago, no single landlord owned more than 1,000 homes,” said Jim Baker, executive director of the Private Equity Shareholder Project, one of five witnesses who testified before the subcommittee on June 28. “Now the top five [institutional SFR players] … together own or operate almost 300,000.” Shad Bogany, a real estate broker with Better Homes and Gardens Real Estate in Houston, said these institutional SFR buyers are targeting minority communities because historically such neighborhoods are undervalued and have lower-priced homes. This practice, he claimed, “drives up the prices for [existing] residents,” making “the dream of homeownership for the population unachievable.” “Homebuyers are having to compete with investors that are paying in cash over the list price, resulting in an increase in investor purchases,” Bogany said. “Investors are creating a generation of renters who will miss out on the benefits of homeownership and the ability to create wealth and stabilize communities.

[ad_1] Credit card rewards points are awesome, if you can redeem them for things you actually want. We all have different goals and plans, and on top of that our spending habits and needs can change over time. That’s why having lots of options to choose from is key to a worthwhile rewards program. Let’s look at how to pick one that suits your lifestyle—for today and in the future. How to choose a rewards program When it comes to selecting the best credit card rewards program for you and your lifestyle, there are two major considerations to take into account: Reward options One of the first things to look for in a rewards credit card is whether it offers the experiences and items that you really want. You’re more likely to find them in a card with a rich rewards catalogue. The MBNA Rewards Platinum Plus Mastercard* is a prime example. When you use this card for everyday purchases, you collect valuable points you can redeem toward anything on the MBNA Rewards website, including travel, brand-name merchandise, gift cards, cash back and even charitable donations. All these options mean you’re bound to find something you’ll value, no matter your lifestyle or goals. For example, if you’ve got a big family, you might want to collect points for experiences, gift cards, or goods and appliances for your home and garden. If you’re a traveller, you have the flexibility to choose from airfare, hotels and car rentals—or redeem for new luggage and travel gear to bring on your trips. And if you’re “the person who has everything,” you could donate your rewards points to partnered charities. With this many redemption options, holding the MBNA Rewards Platinum Plus Mastercard is pretty much like having a cash-back card, travel card and rewards card all in one. Attractive earn rates in your most-used spending categories The second consideration when choosing a rewards card: How strong are the earn rates in your most-used spending categories? The more points you can earn, the faster you’ll get to your rewards. The MBNA Rewards Platinum Plus Mastercard gives you 2 points per $1 spent on groceries, restaurants, digital media, memberships and household utilities purchases, and 1 point per $1 on everything else. Before long, you’ll be redeeming for a new barbecue grill, iPhone 12 or those Ray-Ban aviators you’ve been eyeing. What else should you look for in a new rewards card? Here are four other card benefits that can make your life easier and help you make the most of your rewards. No annual fee: If you choose a no-annual-fee card, you don’t have to worry about fees cutting into your rewards. With the MBNA Rewards Platinum Plus Mastercard, you get all the perks that come with an annual-fee rewards card without the annual fee. (More on the perks below.) Online rewards redemption: Everything from shopping to banking takes place online, and there’s no reason your rewards redemption shouldn’t be just as easy. You can redeem your MBNA Rewards points simply by visiting the MBNA Rewards website and making your selections. No expiry date on rewards points: Avoid the frustration of collecting points toward a big redemption only to have them expire. MBNA Rewards points never expire, so there’s no deadline rush to use them, and you can save them up for larger rewards. Welcome offers: Welcome bonuses can be extremely valuable. Case in point: The MBNA Rewards Platinum Plus Mastercard offers a doubled earn rate for the first 90 days. That’s 4 points per $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases, and 2 points for every $1 spent on everything else, up to $10,000 in each earn rate category. Enjoy valuable perks and extras Some credit cards include little perks and extras that can really come in handy. The MBNA Rewards Platinum Plus Mastercard includes mobile device insurance up to $1,000, savings on car rentals at Avis and Budget, and purchase insurance and extended warranty benefits. Plus, you have access to the MBNA Payment Plan, which allows you to pay for eligible credit card purchases of $100 or more in monthly payments rather than a lump sum. When you match your lifestyle and spending habits to the offers available with a rewards credit card, you’ll boost your benefits and reach your rewards faster. MBNA Rewards Platinum Plus Mastercard* The MBNA Rewards Platinum Mastercard has no annual fee—an unusual feature for a card with a robust rewards program. Annual fee: $0 Welcome offer: For the first 90 days, you can get up to 10,000 points (approx. $50 in cash back): 5,000 for registering for paperless e-statements, 5,000 for spending $500 in purchases with the card. Plus, earn 4 points for every $1 spent on eligible restaurant, grocery, digital media, membership and household utility purchases. Interest rate: 19.99% on purchases, 22.99% on balance transfers, 24.99% on cash advances Additional benefits: MBNA Payment Plan, mobile device insurance, purchase assurance, extended warranty benefits and savings at Avis and Budget Get more details about the MBNA Rewards Platinum Plus Mastercard* Go to Site Read more about credit cards: Make your purchases count with credit card rewards Canada’s best no-fee credit cards 2022 Are you paying too much credit card interest? How to lower your credit card interest rate What does the * mean? If a link has an asterisk (*) at the end of it, that means it’s an affiliate link and can sometimes result in a payment to MoneySense (owned by Ratehub Inc.) which helps our website stay free to our users. It’s important to note that our editorial content will never be impacted by these links. We are committed to looking at all available products in the market, and where a product ranks in our article or whether or not it’s included in the first place is never driven by compensation. For more details read our MoneySense Monetization policy. The post Are you getting the most out of your credit card rewards? appeared

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