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[ad_1] All eyes were on Sunrisers Hyderabad’s Umran Malik, but all they could see was a blur. But still, Gujarat Titans had the last laugh as they prised out a five-wicket win in their thrilling IPL match here on Wednesday. Introduced into the attack as late as the eighth over, as Kane Williamson’s last resort, the young pace sensation delivered what was expected of him, grabbing five wickets with devastatingly quick deliveries to scythe through the Gujarat Titans top-order and almost propel Sunrisers Hyderabad to their sixth successive win in the ongoing edition of the lucrative league. But Rahul Tewatia (40 not out off 21 balls) and Rashid Khan (31 not out off 11) had other ideas as GT, needing 56 from the last 24 overs after Umran had completed his quota of four overs, knocked off the required runs, with the star from Afghanistan finishing the game with a six over fine leg. The BCCI, nevertheless, will have again taken serious note of the man from Jammu, who, in one of the best ever exhibitions of fast bowling, finished with incredible figures of 5/25, four of which were bowled. Opener Abhishek Sharma and Aiden Markram struck sparkling half-centuries as Sunrisers Hyderabad posted 195 for six after being asked to bat first. In pursuit of a stiff target, the Titans were off to a flyer with Wriddhiman Saha (68) blazing his way to a flurry of boundaries while putting on 69 runs for the first wicket with a subdued Shubman Gill (22), who played the second fiddle. After the others have tried and failed, Umran succeeded in getting the first breakthrough, when he disturbed Gill’s off stump in the innings’ eighth and his very first over. Having got himself two fours, GT skipper Hardik Pandya was done in by Umran’s bounce as he top-edged one to the third man. Meanwhile, playing one of his great IPL knocks, Saha raced to his fifty in 28 balls with a single to long-on. Luck too was on Saha’s side as Washington Sundar could not hold on to what would have been an unbelievable catch at mid-on, only for the ball ball to race to the boundary. The show then belonged to Umran before the duo of Tewatia and Rashid swung the match in GT’s favour with their astonishing hitting. Earlier, Abhishek blazed away to 65 off 42 deliveries, while Markram made a 40-ball 56 during a third-wicket stand of 96 runs. Then, Shashank Singh (25 off 6 balls) smashed Lockie Ferguson (0/52 in 4 overs) for three successive sixes to score 25 runs in the innings’ final over. To start with, SRH were helped by Mohammed Shami’s (3/39 in 4 overs) 11-run opening over in which a first-ball beauty was followed by five leg-side wides, not once but twice. Yash Dayal too conceded 11 runs, thanks to two boundaries by Abhishek Sharma on the off side, as SRH raced to 22 for no loss in two overs. Kane Williamson clipped Shami over square leg for his first boundary but that’s all the SRH skipper could do with the bat as, three balls later, the seasoned India pacer went through the gate with a lovely seaming delivery to dismiss the Kiwi and give his team the match’s first breakthrough. Having got a life at point even before he could open his account, Rahul Tripathi smashed Shami for 6, 4, 4 before a review found that the batter was trapped in front of the wicket in an eventful fifth over, which went for 14 runs. Unperturbed by the fall of two wickets, Abhishek collected two successive fours off Alzarri Joseph — first he lofted over the infield and then found the gap through a packed off-side — to help SRH score 53 runs in the six power play overs at the Wankhede Stadium. SRH needed a partnership at that stage and the duo of Abhishek and Markram not just provided them that but also kept the scoreboard moving at a very good rate by regularly finding the boundaries. While Markram dealt with the likes of pacers such as Alzarri, Abhishek went after Rashid Khan, hitting the Afghanistan spin ace for his third six to reach his half-century in style. [ad_2] Source link

[ad_1] Better.com CEO Vishal Garg Struggling to cope with the rising mortgage rate landscape, mortgage lender Better.com reported a loss of $303.8 million in 2021, a stark contrast to its profitable nonbank peers. According to an amended S-4 filed by its special purpose acquisition company Aurora Acquisition Corp. with the Securities and Exchange Commission (SEC) on Monday, the earnings deterioration resulted from increasing interest rates, higher costs to support purchase loans, and investments to expand its product offerings.  However, Better.com also mentioned the impacts of a continued reorganization of its sales and operations teams, including the “effects of negative media coverage following, and severance costs associated with, a series of workforce reductions beginning in December 2021.”  So far, Better.com has announced layoffs involving more than 4,000 employees since December. Vishal Garg, the hot-tempered chief executive officer, gained infamy when he laid off 900 employees in a Zoom meeting in December. In early March, the company cut 3000 additional jobs, part of them in India. Last week, the company instituted the third layoff.  As of March 21, 2022, the company had approximately 5,800 team members, including 3,300 in the United States, 2,300 in India, and 200 in the United Kingdom.   According to data published by the Mortgage Bankers Association, 96% of nonbank mortgage lenders were profitable in 2021. Despite the heavy financial losses in 2021, Better.com originated more loans and increased its revenues than the prior year, in which it made a $172 million profit. The company’s funded loan volume reached $58 billion in 2021, up 139% compared to 2020. Revenues were $1.2 billion, a 41% year-over-year increase. But total expenses rose at a faster pace during the same period, to $1.5 billion from $623 million, a 136% increase year-over-year. Gain-on-sale margin declined from 3.71% on December 31, 2020, to 2.05% for December 31, 2021.  According to Better.com, the recent workforce reductions resulted in lower interest rate lock volume in December 2021 and early 2022. Such dynamics will, in part, lead to lower funded loan volume in 2022, according to the S-4 statement. Amid the deterioration of its earnings, Better.com said it may require additional capital resources to grow its business. In December, Aurora Acquisition Corp. said it will keep the proposed merger with the digital lender. “Aurora remains confident in Better and the proposed transaction,” the company said in a document filed with the SEC.  The special purpose acquisition company, sponsored by Novator Capital, announced in May 2021 plans to make Better.com, a SoftBank Group-backed digital lender, public in a deal that would value the company at nearly $8 billion. But the figure has been judged with skepticism by Wall Street analysts and the mortgage industry.  The post Better.com, the rare lender to post huge losses in 2021 appeared first on HousingWire. [ad_2] Source link

[ad_1] There are multiple varieties of individual retirement accounts or IRAs, for short. Two available versions are the SEP-IRA and the Roth IRA. So, what are they? And, can you choose to have one or the other? – or even both? In fact, a reader submitted this exact question: “I have a question about the SEP & Roth IRA. If My employer doesn’t offer any kind of retirement benefits. But I do have my own Roth and from Previous employment Rollover IRA. I am regularly contributing to my Roth IRA. Also I would like to contribute to SEP or simple IRA. Is it ok to contribute each plan with out any penalty? Also, I am above 50. What is the best route to contribute above mention IRA’s and not get penalty?” -Shodhan Let’s dig down and take a closer look at the SEP IRA vs. a Roth IRA mystery. The goal is to help you see the virtues – and disadvantages – of each so you can make an informed decision about which will be the right choice for you. #ap4752-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap4752-ww #ap4752-ww-indicator{text-align:right}#ap4752-ww #ap4752-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap4752-ww #ap4752-ww-indicator-wrapper:hover #ap4752-ww-text{display:block}#ap4752-ww #ap4752-ww-indicator-wrapper:hover #ap4752-ww-label{display:none}#ap4752-ww #ap4752-ww-text{margin:auto 3px auto auto}#ap4752-ww #ap4752-ww-label{margin-left:4px;margin-right:3px}#ap4752-ww #ap4752-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;height:15px;min-width:15px;min-height:15px;cursor:pointer}#ap4752-ww #ap4752-ww-icon img{vertical-align:middle;width:15px;height:15px;min-width:15px;min-height:15px}#ap4752-ww #ap4752-ww-text-bottom{margin:5px}#ap4752-ww #ap4752-ww-text{display:none}#ap4752-ww #ap4752-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap4752-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap4752-w-map #ap4752-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap4752-w-map #ap4752-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap4752-w-map #ap4752-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap4752-w-map #ap4752-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap4752-w-map #ap4752-w-map-map svg{position:absolute;left:0;top:0}#ap4752-w-map #ap4752-w-map-map svg path{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap4752-w-map #ap4752-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap4752-w-map #ap4752-w-map-map svg g rect{fill:#e3efff;stroke:#9b9b9b;pointer-events:all;transition:fill 0.6s ease-in, stroke 0.6s ease-in, stroke-width 0.6s ease-in}#ap4752-w-map #ap4752-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap4752-w-map #ap4752-w-map-map svg g .ap00646-w-map-state{display:none}#ap4752-w-map #ap4752-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap4752-w-map #ap4752-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap4752-w-map #ap4752-w-map-map svg g:hover{cursor:pointer}#ap4752-w-map #ap4752-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap4752-w-map #ap4752-w-map-map svg g:hover text{fill:#fff}#ap4752-w-map #ap4752-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap4752-w-map #ap4752-w-map-btn{padding:9px 41px;display:inline-block;color:#fff;font-size:16px;line-height:1.25;text-decoration:none;background-color:#1261c9;border-radius:2px}#ap4752-w-map #ap4752-w-map-btn:hover{color:#fff;background-color:#508fc9} The best time to open a Roth account is today. There's no time like the present to begin preparing for your retirement. Click on your state now to find out more. HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas Open an Account Today What is a SEP IRA and How Does it Work? A Simplified Employee Pension plan, or simply “SEP IRA” for short, is part IRA, part pension plan. The IRA part is that it works much the way a traditional IRA does. But the pension side is that if you own a business and have employees, you can include those workers in the plan. The word “simplified” is included in the name because a SEP IRA is easier to set up and administer than traditional pension plans, like 401(k) plans. A SEP IRA can be set up in just three steps: Execute a written agreement to provide benefits to all eligible employees. Give employees certain information about the agreement. Set up an IRA account for each employee. The last step requires some additional explanation. Unlike most employer pension plans, all participants are not included in a single plan. Once the plan is established, each participant – you included – will have his or her own IRA account. The account can be set up with a bank, insurance company, or qualified investment broker. Since a SEP IRA is an IRA, it can be self-directed and invested in any asset class not prohibited by the IRS. You can also set up a SEP IRA for yourself alone, if you’re self-employed, and have no employees. But that will give you the flexibility to add employees should you decide to hire them later. And the fact that you will be offering some sort of retirement plan be an incentive for people to work for you. General Provisions of a SEP IRA In most respects, a SEP IRA is like a traditional IRA on steroids: A SEP IRA can be established for a sole proprietorship, partnership,  corporation (S or C), or a limited liability company (LLC). Contributions are tax-deductible in the year taken. Contributions can be made from earned income only. You are not required to make contributions each year. Contributions must be made by the tax filing today, generally, April 15 (but including extensions). Investment income accumulates on a tax-deferred basis. Unlike other retirement plans, a SEP IRA cannot have a Roth provision. Distributions taken after reaching age 59 ½ are taxable as ordinary income. Distributions taken before reaching age 59 ½ are subject to ordinary income tax, plus a 10% early withdrawal penalty. Required minimum distributions (RMDs) must begin at age 72. >> Related: SEP IRA Distribution Rules SEP IRAs have an important tax benefit that doesn’t get a lot of attention, but it’s huge. SEP IRA contributions are not subject to FICA (Social Security and Medicare) or federal unemployment (FUTA) taxes. 401(k) plans, for example, do not have the same advantage. You’ll pay both FICA and FUTA tax on your entire income, including your 401(k) plan contributions. IMPORTANT: The SEP IRA is one of the few retirement plans that does not offer a “catch up contribution” for participants over the age of 50. The maximum contribution limit of $61,000 stands regardless of your age. SEP IRA Contribution Limits Traditional and Roth IRAs have a fixed annual contribution limit. This is not the case with a SEP IRA. The maximum you can contribute to a SEP IRA is based on your income. You can contribute up to 25% of your net business income, up to a maximum of $61,000 for 2022. “A SEP IRA is typically an appropriate structure for a small business, especially a single owner and allows for a contribution of up to 25% of an employee’s pay by the employer,” advises Jacqueline Reeves, Managing Director of Bell Rock Capital LLC. “The SEP IRA contributions are before-tax. Depending upon the plan structure, SEP IRAs could permit employees to contribute like they would be able to a traditional IRA.” But the contribution calculation isn’t quite as simple as taking 25% of your net income. Before applying 25% to your income, you must first deduct the amount of the contribution itself. It’s confusing, of course, but

[ad_1] The post The Debt Avalanche Method: What Is It And Is It Right for You? appeared first on Millennial Money. The debt avalanche method is one of the most popular methods of paying off outstanding debt. Unlike the debt snowball method, which involves paying off your smallest debt first, with the debt avalanche strategy, you pay off the debt with the highest interest rate first and work downward. One of the best things about the debt avalanche method is that it can save you a ton of money on interest charges. But because you don’t see as many small victories upfront as you do with the debt snowball strategy, it’s not a great method if you like instant gratification or lack discipline. (No judgment!) In this guide, we’ll cover some of the basics of the debt avalanche method so you can decide if it’s the right debt repayment model for you. What Is the Debt Avalanche Strategy? The debt avalanche strategy is a debt repayment plan by which you pay off your highest debt first—regardless of the size of the balance. It’s also known as debt stacking. Once you’ve got that credit card, personal loan, student loan, etc., paid off, you move onto the debt with the next highest interest rate. And you continue this way until you are debt-free (and solemnly vow never to rack up credit card debt ever again!). The biggest benefit of the debt avalanche method is that it saves you money by eliminating your costliest interest payments first. Debt Avalanche vs. Debt Snowball The debt avalanche method sounds similar to the debt snowball method. After all, they both invoke snow. But that’s about where the similarities end. The debt snowball method was invented by Dave Ramsey (that guy we love to hate). It involves paying off your debts in order of smallest balance to largest balance. The idea is that the good vibes you’ll receive from paying off smaller debts quickly will power you through paying all of what you owe. I enjoy good vibes as much as the next hippie. (Hey, I wear tie-dye Crocs. Don’t judge.) But I also enjoy not wasting my money on interest payments. So I’d rather tackle debt with high interest rates first. That said, there are some folks who need the rush that comes with paying off a debt 100% to help them stick to their debt repayment plan. I can respect that. How to Use the Debt Avalanche Strategy Before tackling the debt avalanche strategy, make sure you have a solid budget in place. Once you have created a budget—and there are a slew of apps that can help you do this—you can see what money you have leftover after paying off your necessary expenses like rent, food, utilities, insurance, transportation, etc. That’s the money you want to devote to paying off your debt. Also, here’s a side note: If you have a huge amount of credit card or personal loan debt and feel in over your head, you might want to check out some debt relief options. There are professionals who can help you tackle the problem without driving yourself crazy. It would also be helpful to set up an emergency fund to cover any disasters, so you won’t need to rack up more credit card debt. Back to the avalanche . . . are you ready? 1. Learn Your Rates First off, make sure to pay the minimums every month for all of your debt. You can do this simply by setting up auto pay on your accounts online. (Just be sure to update your payment method if you have a bank account change—take it from me.) Once you have your minimum payments set up, it’s time to look at your interest rates. Take a sheet of paper and write down all of your debts—your credit cards, a personal loan, a student loan, etc.—in one column. Then write down how much you’re paying in interest in another column. Usually, this is easy to find online or in your paper statement. It will probably be listed as APR, or annual percentage rate. Now, sometimes a credit card issuer can raise your interest rate once you’ve had an account for longer than a year. However, by law, the credit card company must send you a written notice at least 45 days in advance of the new rate taking effect. So keep that in mind when you’re listing your rates! 2. Order Your Rates Now make a list of your debt by highest to lowest interest rate. So if Card A charges 24.9%, Card B charges 19.5%, your student loan charges 5.9%, and your car loan charges 8%, you’d list your debt in this order: Card A Card B Car loan Student loan And that’s the order in which you’d pay off your debt. Check to see if any of your cards have a promotional rate period after which the rate will go up. If they do, you might need to reorder your debt when that time comes. 3. Make Regular Payments Every month, make sure that you make your minimum payments for every single debt. Missing a payment can pile on fees and harm your credit score. And that’s a one-way ticket to getting an even higher interest rate on new accounts. After paying your minimums, take the amount of money you have budgeted for your debt repayment and put it all in your highest interest debt (in our example, Card A). Once you have paid off Card A in its entirety, take your budgeted money plus the minimum payment amount you were spending on Card A and start paying off Card B. Once Card B is paid off, you take your budgeted amount, plus your minimums for Card A and Card B and pay off the car loan. And continue on until you pay off all your debt. Here’s a pro tip: Sometimes interest charges on credit cards might lag your statements. So once

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[ad_1] By Pradeep Multani Ease of Doing Business for MSMEs: The MSME sector in India has been contributing significantly to the country’s economy as a major partner in the socio-economic development process. MSMEs are able to survive in the current competitive environment due to their flexibility and resilience. However, there are many persistent challenges like availability of adequate credit, access to the market, appropriate technologies for achieving scale and quality and other administrative & governance issues which need to be addressed on regular basis.  In order to mitigate the adverse impact of Covid-19 on the operations of the MSME sector, the Government of India has made several announcements to bring changes in policies to promote the interests of MSMEs and make their operations comparatively easier. Recently the government had approved an $808 million (Rs 6062.45 crore) programme on ‘Raising and Accelerating MSME Performance’ (RAMP), a scheme partially funded by the World Bank, which would commence from FY 2022-23. The major objectives of the programme are to improve access to market and credit, strengthen institutions and governance at the centre and state, improve centre-state linkages and partnerships, address issues of delayed payments, and greening of MSMEs.  While the RAMP Program has laudable objectives, but, it is reported to encompass a large number of goals which are quite widespread, requiring too many targeted outcomes. For example, it is stated that the RAMP program will address the generic and Covid-related challenges in the MSME sector by way of the impact enhancement of existing MSME schemes, especially on the competitiveness front. This objective seems unclear for its outcomes as there have been many Covid-induced challenges for MSMEs in areas of finance, marketing, labour, logistics, raw materials and compliances etc.   Hence, clear outcomes expected to be achieved through the implementation of RAMP need to be defined. Further, the programme is reported to bolster the inadequately addressed blocks of capacity building, handholding, skill development, quality enrichment, technological up-gradation, digitization, outreach, and marketing promotion, amongst other things. These are many ambitious goals that can only be achieved with adequate planning and implementation strategy with clear measurable targets under each of these objectives for getting effective results from the RAMP programme.  The programme also envisages enhanced collaboration with states for job creation, marketing promotion, finance facilitation, supporting vulnerable sections of society, and greening initiatives. The states are expected to prepare ‘Strategic Investment Plans’ (SIPs) which would act as the road map for the development of their respective MSME ecosystem. This will require the alignment of states’ promotional policies with such SIPs in view of the fact that states have their own MSME policies and programmes, and they would need to dovetail their promotional programmes with RAMP through SIPs. Subscribe to Financial Express SME newsletter now: Your weekly dose of news, views, and updates from the world of micro, small, and medium enterprises  If there is one area that needs more attention in the states, it is the revamping and strengthening of MSMEs’ industrial clusters. Clusters play a big role in the success of MSMEs due to the ecosystem or network effect they create. The current situation of industrial estates/clusters in states is quite dilapidated and the pace of development of new industrial estates is not enough to enable large scale growth of MSMEs. The Ministry of MSME has been operating a ‘Cluster Development Programme’ through which infrastructure for common facilities is created in various industrial clusters with financial subsidy from the central budget.   It would be advisable that under the RAMP programme, rehabilitation of existing industrial estates/clusters and development of new industrial clusters are given prominence in the Strategic Development Plan of the states which can be assisted by the RAMP programme. Further, the programme can be utilised effectively for the development of common infrastructure, testing labs, and establishing marketing cooperatives and information centres in the clusters which would be focused interventions to achieve many of the objectives anticipated in the RAMP programme.  Moreover, one of the requirements for the disbursement of funds from the World Bank towards RAMP is the fulfilment of ‘Disbursement Linked Indicators’ which include many long term goals like implementing the National MSME Reform Agenda, accelerating MSME sector centre-state collaboration, enhancing the effectiveness of Technology Upgradation Scheme (CLCS-TUS), strengthening receivable financing market for MSMEs, enhancing the effectiveness of Credit Guarantee Trust for Micro and Small Enterprises (CGTMSE) and “Greening and Gender” delivery etc. As the RAMP implementation is to take place over a period of five years, it is necessary that year-wise measurable targets for each of these indicators are clearly defined in advance which would form the basis for fixing numerical targets of various schemes to be implemented under these disbursement indicators.  One of the objectives of the RAMP programme is technology upgradation in the MSME sector. Since RAMP is a financial assistance programme, it can be translated into reviving and strengthening of ‘Credit linked Capital Subsidy Scheme’ for technology upgradation in the MSME sector. This will also benefit improvement in the quality of products to help achieve the vision of Atmanirbhar Bharat which is one of the key goals of RAMP.  In nutshell, focused and targeted interventions through specific schemes with measurable outcomes and targets would be the key to the success of the RAMP programme. No doubt, RAMP will boost the overall ecosystem in the delivery mechanism of various schemes with improved quality and efficiency and better coordination between the centre and states.  Pradeep Multani is the President of PHD Chamber of Commerce and Industry. Views expressed are the author’s own. [ad_2] Source link