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[ad_1] Local markets spotlights 5 different areas across the country, showcasing what is uniquely happening in those housing markets. Local real estate agents, loan officers and appraisers share what characteristics are currently defining their housing markets. Conway, Arkansas Some might call Conway, Arkansas, a bedroom community of Little Rock — the state’s capital. But, local RE/MAX Elite agent, Laura Davis, says that the city of roughly 67,000 people is so much more. “It’s a standalone city,” the Arkansas native said. “It has been a great city to work in because it is incredibly safe, and there is a steady stream of people that want to live here because the surrounding communities have great schools and some good colleges and there is a decent amount of job growth.” While the median listing price in Conway is still below the national average, in December it was up 7.7% year-over-year to $210,000, according to Realtor.com. “The prices of homes here are steadily increasing, and it is very hard for first-time homebuyers. Starter homes are virtually non-existent, and there are a lot of investors purchasing homes at the lower price points,” Davis said. Due to this, Davis said that homebuyers have to come to the table with more money than they used to and need to be prepared to deal with bidding wars. With inventory remaining tight and demand still strong, Davis only sees this trend increasing as we get further into spring. Rochester, New York After experiencing a housing market that agents said left them “breathless” in 2021, Rochester real estate professionals are preparing to tackle the spring housing surge yet again. Like elsewhere in the country, Rochester is experiencing a record low level of inventory combined with a heightened demand for housing. “People are staying in their existing homes longer so less inventory is hitting the market, and there just aren’t enough starter homes being built, so we are struggling with that too” Mark Siwiec, a local Keller Williams agent, said. While record low mortgage rates have been driving more first-time homebuyers to the housing market in Rochester, the city is also seeing a lot of so-called boomerang buyers who grew up in Rochester but moved away. “We are seeing a decent amount of boomerang buyers, who, due to job changes or just being able to work remotely, are able to return home,” Mandy Friend Gigliotti, another local Keller Williams agent said. “Truthfully, Rochester is just a beautiful place and a great place to raise a family. There are so many amenities, there is not a lot of traffic and the culture is really strong here.” Burlington, Vermont  Stunning lake views, the vibrancy of a college town and easy to access world-class ski resorts, it is simple to see why Burlington has long been a sought-after destination for homebuyers. “Burlington has seen an influx of people even prior to COVID–19,” Claire Kavanagh, a local eXp Realty agent said. “COVID-19 kind of ramped things up even more. It has been very competitive for two plus years now.” This, of course, has resulted in rising home prices. While the median home sale price in December 2021 was lower than in 2020, in November, sales prices hit a five-year high of $482,500, according to Redfin. Local agents say these rising prices are not stopping buyers from Colorado, Florida, New York, New Jersey and California from flocking to the northern New England city. Kavanagh said that many of their out-of-state clients are looking to escape challenging environmental conditions exacerbated by climate change. “A lot of my buyers are moving from California, and for a lot of these folks, fires are a big reason they are coming this way,” she explained. Paradise, California In November 2018, Paradise — a 144-year-old town that sits in the Sierra Foothills above the northeastern Sacramento Valley — was nearly destroyed by the Camp Fire, the deadliest fire in the history of the state. “Every home, every little business, there were a few that made it along the main streets, but other than that, at least 95–98% of the residential housing in the area was gone,” local eXp Realty agent, Mike Stearns, said. Prior to the fire, the town’s population was nearly 27,000; yet, by the end of 2019, just 4,608 people called the town home. However, by early 2021 the town’s population was already on the rise with roughly 6,000 people residing in Paradise. While the threat of fire still looms over Paradise, for some prospective home- buyers the median home sales price of $469,000 in December is too good to pass up. “I think that [the threat of fire] is the biggest hurdle in getting people to go back or getting new people to the area,” Shane Collins, a RE/MAX agent, in the neighboring city of Chico, said. “The people who do end up buying here, it is slightly more affordable and that kind of pushes them into deciding to buy here.” Columbus, Ohio  Like Rochester, Columbus has seen an influx of boomerang buyers thanks to the increase in remote and work-from-home flexibility brought on by the COVID-19 pandemic. Local agents say the city’s small-town feel combined with big-city amenities like an NHL team, a vibrant arts district and a Big Ten university football team are exactly why these homebuyers are returning. The metro area’s relatively affordable median home sale price of $235,000, according to Redfin, doesn’t hurt either. Realtor.com named Columbus its number five housing market positioned for growth in 2022, and iBuyer Offerpad launched its services there last fall. “There are many factors that make Columbus an exciting real estate market for Offerpad, including the area’s population growth spurred by its job market history and outlook,” Todd Bird, the general manager of Offerpad’s Columbus market, said in an email. “The Columbus metro attracts teh manufacturers, retail headquarters, medical research facilities and other job creators; Intel recently announced business plans that will bring thousands of new jobs to the area. This feeds into the organic real estate movement in

[ad_1] Starting a family changes everything—including which credit card is best for you. Your most-used spending categories might shift from dining out to groceries, and your credit card points might be used to book family vacations rather than a flight to Europe. The best credit card for your family will meet your new needs. Read on to discover our picks for 2022. Best overall credit card for families CIBC Dividend Visa Infinite* Groceries and gas are undoubtedly two of the biggest expenses for busy families, so why not use a card that rewards your spending in those categories? When you use the CIBC Dividend Visa Infinite to buy groceries or gas, you’ll get a whopping 4% cash back (one of the best rates on the market). A 2% return on dining out, transportation and recurring bills sweetens the pot, and the 1% base rate with no limit to how much you can earn means you’ll get money back no matter where you spend it. And, when you link and use your CIBC Dividend Visa Infinite with Journie Rewards, you can save up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations—a huge benefit with today’s fuel prices.  Just how much can a family earn with this card? To put it into perspective, consider a family that spends $1,000 on groceries and $150 on gas monthly. They would get a return of $46 per month, or $552 annually, on just those two expenses. Plus, new cardholders can boost their earnings with a 10% cash back welcome bonus for the first four statements, up to a maximum reward of $250. A first-year annual-fee waiver adds another $120 in savings.  Annual fee: $120 (waived for the first year) Interest rates: purchases 20.99%, cash advances 22.99%, balance transfers 22.99% Income requirement: $60,000, or a minimum household income of $100,000 Welcome bonus: Get 10% cash back for all purchases on your first four statements, or first $2,500 in purchases (up to $250 in cash back). After that, the earn rate becomes 4% on gas and grocery purchases and 1% cash back on everything else. Earn rates: 4% cash back on groceries and gas; 2% cash back on dining out, transportation and recurring bill payments; 1% cash back on everything else Perks: Out-of-province emergency travel medical, $500,000 common carrier accident, and auto rental collision/loss damage insurance; new mobile device coverage; discount up to 10 cents per litre at participating Pioneer, Fas Gas, Ultramar and Chevron gas stations Get more details about the CIBC Dividend Visa Infinite Best credit card for families on a budget Tangerine Money-Back Credit Card* If an annual credit card fee feels like a hundred-odd dollars that could be better spent on diapers or hockey equipment, this card is for you. The Tangerine Money-Back Credit Card is a no-fee Mastercard that still offers substantial cash back. You will earn 2% cash back on up to three spending categories of your choice. When you sign up for this card, you can select two spending categories to receive 2% cash back, from this list: groceries, gas, restaurants, drug stores, recurring bills, parking/public transportation, entertainment, home improvement, furniture, and hotel/motel. If you set up an automatic deposit of your cash back into a Tangerine savings account, you’ll get a third spending category at 2% cash back. All other spends earn 0.5% cash back. A family that spends $1,000 on groceries and $150 on gas monthly would get a return of $23 monthly, or $276 annually, on just those two expenses. Tangerine also has a welcome bonus of 10% on purchases up to $1,000 ($100 cash back) in the first two months.  Annual fee: $0 Interest rates: purchases 19.95%, cash advances 19.95%, balance transfers 19.95% Income requirement: None specified Welcome bonus: Earn 10% cash back (up to $100) when you spend $1,000 on everyday purchases within the first 2 months of having the card. Must apply before May 31, 2022. Earn rates: 2% cash back on up to three spending categories of your choice; 0.5% cash back on everything else Perks: Balance transfers within the first 30 days will accumulate only 1.95% interest for the first 6 months  Get more details about the Tangerine Money-Back card* Best flat-rate card for families SimplyCash Card by American Express* If you’re looking to simplify your life (and who isn’t?), you might consider a card that offers you the same flat rate on cash back no matter what you use it for. Our pick is the SimplyCash Card by American Express, which offers a better-than-average 1.25% cash back on everything you buy, with no limit to how much you can earn. This is a no-fee card, so you can furnish your family with additional cards and see the money rack up even faster. And there’s also a welcome bonus of up to 4% cash back in your first six months (up to $200). Unlike some other no-fee cards, the SimplyCash Card by American Express comes with some travel and flight insurance, and because it’s an AMEX, you’ll have access to American Express Experiences and special bonus offers. Annual fee: $0 Interest rates: purchases 19.99%, cash advances 21.99%, balance transfers 21.99% Income requirement: None specified Welcome bonus: Get a welcome bonus of 4% cash back in the first 6 months (up to $200 cash back) Earn rates: 1.25% cash back on everything you buy with the card Perks: $100,000 travel accident insurance; American Express Experiences; bonus offers Get more details about the SimplyCash Card by American Express* Best credit for family entertainment points Scotiabank Gold American Express* If your family likes to go out for dinners and movies, you probably already know about Scotiabank’s Scene+ rewards. This loyalty points program started out with rewards that Canadians could redeem for movies at Cineplex theatres and meals at family-friendly restaurants like Swiss Chalet, but it has since expanded to include new rewards like travel, gift cards and statement credits. When you use the Scotiabank Gold American Express,

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[ad_1] Wall Street closes sharply lower on Amazon slump, inflation worries [ad_2] Source link

[ad_1] The Open Network for Digital Commerce (ONDC), launched yesterday on a limited scale, is a unique initiative that aims to allow small merchants and retailers to plug in and potentially gain the reach and economies of scale that only the two global giants, Amazon and Flipkart, enjoy at present. From five cities on the debut day, the non-profit initiative is expected to reach 100 cities in the next six months. ONDC has been positioned as an open platform for all aspects of e-commerce, harnessing the competencies of various established technology firms working to strengthen local economies. It is designed to enable consumers to reach any seller of a product or service via compatible platforms or applications, increasing the scope of consumer-choice, and more importantly, of sellers’ digital presence. Given how it throws out the top-down approach followed at large companies, sellers—even kirana stores seeking digital presence—can expect to be free of the fear of getting assigned marginal prominence. ONDC could indeed prove to be a tectonic shift if it moves India’s e-commerce space away from its platform-centric character to a more platform-agnostic model. Little wonder, it has drawn comparisons with United Payments Interface (UPI), given the latter’s effect on the payments space. By helping smaller sellers and buyers benefit from dynamic pricing and rationalisation of delivery costs, ONDC does have the potential to bring the cost of e-commerce down for all parties. This will likely mean the smaller players won’t face daunting platform charges, which, some have claimed, is the case when it comes to engaging with the dominant e-commerce platforms. India’s e-commerce potential poses an unparalleled opportunity for players. The market is predicted to increase from an estimated $75 billion by the end of this year to $350 billion by 2030. The penetration of online retail is also expected to grow phenomenally over the next decade. Against such a backdrop, the overwhelming dominance of only a couple of global firms (Amazon and Flipkart account for close to 60% of the e-commerce market in the country) does not augur well for the democratisation of the e-commerce ecosystem in the country. There have been several allegations against them as well. For example, an investigation by Reuters, based on internal papers of Amazon, had claimed that the e-commerce giant had bypassed Indian laws governing foreign direct investment. The charges are, of course, yet to be proved. However, democratisation of a process shouldn’t mean a witch-hunt against these companies, which have already brought in billions of dollars of investment, and have created thousands of jobs in the process. One hopes it is just a coincidence that the Competition Commission of India raided the offices of the top sellers on Amazon and Flipkart just a day before the ONDC was launched. The probe was apparently based on complaints from local traders that the platforms were engaging in deep discounting, predatory pricing, loss-funding, etc, in collusion with corporate sellers—apart from owning inventory through a complex web of holdings and squeezing supplier margins—thus creating a deeply divisive system of preference for some sellers. There is no doubt that small merchants have often been at the mercy of the algorithms and the commissions of large e-commerce platforms, and they will benefit from the ONDC. But the platform has several challenges as well. For example, data-privacy activists have always been concerned whenever government-backed bodies are involved in projects with a massive scale. Some have raised questions about the nature of data sharing under ONDC, especially with respect to the companies that will run the gateways between the buyer apps and the seller apps. Ironically, to achieve real scale, ONDC has to convince big companies, including the e-commerce giants, to participate. [ad_2] Source link

[ad_1] Total Expert team members took a trip to Louisiana earlier this year to help the New Orleans Area Habitat for Humanity organization. In partnership with the nonprofit, the team was able to rebuild a home that was destroyed by Hurricane Ida, a Category 4 Atlantic hurricane that made landfall in Louisiana at the end of August last year. “It’s pretty incredible what you can accomplish when a team of people band together,” said Corinne Seltz, leadership and development manager at Total Expert. “In just two days, we framed an entire house in support of hurricane victims. What’s more, it was a natural team-building endeavor. “With our employees spanning across the country and many working from home full-time, we’ve lost the typical face-to-face interactions. Our employees left New Orleans with a great sense of accomplishment and new relationships formed. We also made a cash donation to Habitat for Humanity to help them expand their efforts,” she added. Touching on how the team was able to come together for this cause, Seltz said, “We couldn’t be more proud of our employees who stepped up and made the trip to New Orleans to make a difference in others’ lives. Being in the financial services industry puts a whole new meaning to giving the gift of homeownership — particularly to those impacted by a devastating event.” While Seltz explained that the COVID-19 pandemic has played a role in Total Expert’s ability to partner with nonprofits for events like this, it hasn’t slowed down their volunteer efforts. “If anything, it’s sparked a greater need to support nonprofits of all kinds and prompted us to be creative in how we give back. If in-person activities aren’t an option, we source other avenues such as virtual food drives and mailing materials to local organizations,” Seltz said. Looking ahead, Total Expert is far from done when it comes to giving back. With the company headquartered in Minneapolis, Minnesota, Seltz said they are particularly excited about working with the Habitat for Humanity Twin Cities, and given the response from the New Orleans trip, they anticipate even more employees signing up to put their homebuilding skills to use. “Total Expert is rooted in empowering financial institutions to form deeper relationships.” Seltz said, “These efforts have allowed us to take relationship-building to the next level.” This piece on Total Expert was originally featured in the April Issue of HousingWire Magazine. To read the full issue, click here. The post Total Expert team members give back after Hurricane Ida appeared first on HousingWire. [ad_2] Source link

[ad_1] If you’ve been using the same no-annual-fee credit card for years, you could be missing out on a wealth of rewards. Credit cards with rich rewards programs often charge a higher annual fee, but if you shop around, you can find one of those rare cards that offers both great perks and a $0 annual fee. Here’s how to pick the right card for your lifestyle and start turning your everyday purchases into valuable rewards. Choosing the best rewards card for your lifestyle If you’re thinking about carrying a rewards credit card, you’ll want to do some research to make sure you choose the best option for your lifestyle. Every card is different, but there are several general factors to consider. What kinds of reward types do credit cards have? Rewards can come in many forms, and you should make sure you’re collecting the most valuable type for your lifestyle and your spending habits. For example, keen travellers will be interested in travel rewards that can be redeemed for flights, hotels, car rentals and more. People with large families might be more interested in brand-name merchandise and gift cards. Others may want to donate points to charity or get cash back. The more flexibility in a rewards program, the better. For example, with the no-annual-fee MBNA Rewards Platinum Plus Mastercard, you can earn MBNA Rewards points on everyday purchases, such as restaurant and grocery bills, digital media, memberships and more. Points can be redeemed for travel at a rate of 10,000 points per $100, or for merchandise and gift cards at varying rates. If you’re more interested in getting cash back, you can redeem your points at a rate of 200 per $1. There’s even a quick and easy way to give your points to a charity.  How important redemption rules are Different programs have different rules when it comes to how, when and how often you can redeem the rewards. Make sure you understand how to make a redemption and whether you can do so on-demand or if there are restrictions. If you have an MBNA rewards credit card, you can book flights, hotel, packages and more through a convenient travel portal. Keep an eye out for the price match guarantee on select products. Redeeming for merchandise and gift cards is just as easy and secure. Browse the online catalog and buy directly from it. There is no minimum number of points you have to bank before you redeem, and if you find yourself short on points, you can top up with cash. Don’t forget special promotions Credit cards frequently offer promotions to attract new applicants. Read the fine print to find the dollar value of any bonuses or welcome offers. Right now, new applicants for the MBNA Rewards Platinum Plus Mastercard could receive up to 10,000 bonus points (worth $100 in travel or $50 in cash back). The welcome offer also includes 5,000 points when $500 is spent on the card within the first 90 days after opening their account, and another 5,000 points for enrolling for paperless statements. In addition, the card is offering an accelerated earn rate of double the points for eligible purchases in the restaurant, grocery, digital media, membership and household utility categories for the first 90 days. What is a good rewards earn rate? The earn rate is the number of points you receive per $1 spent. In most cases, the rate will depend on the spending category of your purchase. Examples include groceries, pharmacy, restaurants or gas. You’ll want to find a card that rewards you in the spending categories you use most often. New cardholders of the MBNA Rewards Platinum Plus Mastercard will earn an accelerated rate of 4 points for every $1 spent on eligible purchases in the first 90 days up to a maximum spend of $10,000. Afterwards, the regular rate is 2 points per $1 in the restaurant, grocery, digital media, membership and household utility categories. All other purchases earn at a rate of 1 point per $1 spent. Check for an annual fee If the card you’re considering commands an annual fee, cross-check that expense against the rewards you expect to earn to make sure it’s worth the cost. Sometimes you can come out on top—for example, the MBNA Rewards Platinum Plus Mastercard is a no-annual-fee card. Also, get extra perks Earning valuable rewards is a good reason to use a certain card—but it’s not the only reason. Check what other perks the card offers. When you use an MBNA Rewards Platinum Plus Mastercard, you’ll receive 10% of your total points earned in the previous year as a bonus, to an annual maximum of 10,000 points, plus the card features mobile device insurance, extended warranty benefits and other valuable benefits. 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 Rent A Car Get more details about the MBNA Rewards Platinum Plus Mastercard* Go to Site Read more about credit cards: Are you paying too much credit card interest? Finances stretched to the limit? Canada’s best no-fee credit cards 2022 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

[ad_1] The post InboxDollars vs. Swagbucks: Which Is Better? appeared first on Millennial Money. In the game of online survey sites, InboxDollars and Swagbucks are two of the biggest players out there. While Swagbucks is much larger, both sites offer legit earning opportunities. They are also both owned by the same holding company, Prodege.  In this post, you’ll find a full rundown of each site, including how much you can earn, what makes them unique, and more.   Let’s start with a look at Inbox Dollars.  or, jump straight to our in-depth InboxDollars and Swagbucks comparison What Is InboxDollars? InboxDollars is a leading consumer rewards site and market research provider. The company started back in 2000 and has paid out over $80 million in cash rewards over the last two-plus decades. In a nutshell, here’s how InboxDollars works.  Companies pay InboxDollars to access consumer opinions and gather feedback about products and services. As a member, you can earn rewards in exchange for completing surveys, watching videos, and even for paid shopping.  It’s completely free to sign up for InboxDollars, but you need to be at least 18 to qualify.  Top features for InboxDollars  Multiple ways to earn  The more you engage with the InboxDollars platform, the more you’ll earn.  Paid surveys are its bread and butter, but InboxDollars is much more than just a survey site. You can also get free samples and earn money by playing games, watching videos, and shopping through its partner merchants.  Most survey activities pay between 50 cents and $5. However, you should expect that scale to lean towards the lower end — as with most survey sites. PaidEmails As the name suggests, PaidEmails compensates you for reading emails. The earning amount is usually only a few pennies, and you can read up to three sponsored messages per day. To receive a higher payout, you typically have to complete a task (e.g., trying a service from one of the PaidEmails sponsors).  Minimum payment threshold A major drawback to InboxDollars is the $30 payment threshold. Making matters worse, if you cash out at the $30 minimum, you’ll have to pay a $3 processing fee. You must earn at least $40 in earnings to avoid paying this fee. Flexible rewards  When it’s time to cash out, you can transfer your InboxDollars rewards to PayPal or redeem them for gift cards at leading retailers like Amazon and Walmart.  You can even request for InboxDollars to send you a paper check. The company actually still does that. There’s also a grocery coupon portal in the InboxDollars dashboard where you can find discounts for brands like Kraft, M&M’s, Pampers, Pillsbury, Purina, and Huggies.  InboxDollars Surveys app InboxDollars offers a mobile app that you can use to take surveys from any Android or iOS device. Overall, members appear to be pleased with the app’s quality. With a 4.5-star rating in the App Store and a 4-star rating in the Google Play Store (out of 5), the InboxDollars Surveys app is one of the top-rated options in the market. Instant $5 sign-up bonus New members can earn a $5 instant sign-up bonus. After that, all you have to do is enter your email address and password and confirm the activation email that the company sends out.   Considering that you don’t even need to take a survey, this is essentially free money. Just remember that you eventually need to rack up at least $25 more to cash out. Pros and Cons of InboxDollars  Pros  Real cash earnings $5 sign-up bonus Easy to navigate Well-rated mobile app Cons Inactivity penalties Processing fee for PayPal Low payouts Checks can take three to 10 business days to arrive Minimum payout of $30 before you cash out InboxDollars With InboxDollars, you take surveys, earn cash, it’s that simple, you can even earn to watch tv! Sign Up ($20 Bonus) Now that you have a better idea of the ins and outs of InboxDollars, let’s take a look at another popular survey site: Swagbucks. What Is Swagbucks? Swagbucks is a hugely popular online survey site with more than 20 million active members. Since its inception in 2008, the site has paid out over $579 million in rewards.  You read that right — over half a billion dollars. In many ways, Swagbucks and InboxDollars are similar. For example, third-party market research companies and brands also partner with Swagbucks to collect valuable consumer feedback. And, as a Swagbucks member, you can earn SB points for completing many of the same tasks you can do with InboxDollars.  Swagbucks is also free to sign up for, but you need to be at least 18 years old to qualify. Top features for Swagbucks Multiple earning opportunities Swagbucks offers a range of ways for users to make money online.  For example, you can earn SB points by filling out surveys, watching online videos, browsing the web, and using the Swagbucks search engine. You can also get paid to play games. In addition, if you install the SwagButton Chrome Extension, you will automatically be notified if any of the websites you’re visiting offer SB points in exchange for purchases. When it’s time to cash out, you can convert your SB points to gift cards at major retailers like Old Navy and Kohl’s. But why do that when you can convert them to cash in your PayPal account?  Swagbucks rewards Here’s one area where Swagbucks is unique. Instead of earning cash rewards, you’ll earn SB points. One SB point is worth one penny. So 100 points are equal to $1, and so on. Lower payout threshold Once your account hits 2,500 SB points, you can cash out to your PayPal account. If you prefer a lower payout threshold, you can redeem your earnings for gift cards at 100-point increments.  Swagbucks Magic Receipts With Swagbucks Magic Receipts, you can earn SB points from your everyday grocery store purchases. All you have to do is go shopping at a major grocery store (e.g., Kroger, Walmart, Whole Foods, or

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[ad_1] Bayer gets shareholder rebuke for management remuneration [ad_2] Source link