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[ad_1] Wow! This is such a HOT deal on Pampers Baby Wipes! Amazon has these Pampers Sensitive Baby Wipes (864 count) on sale for just $15.49 shipped when you clip the 25% off e-coupon and checkout through Subscribe & Save! That’s just $0.02 per wipe shipped which is a HOT deal for this brand. Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders. Thanks, Blame It On the Deal! [ad_2] Source link

[ad_1] Dollar holds steady ahead of expected red-hot U.S. inflation data [ad_2] Source link

[ad_1] Top cryptocurrency price today (April 12, 2022): The global cryptocurrency market capitalisation has shrunk 6.06% over the last day to $1.83 trillion. On Monday (April 11), the total crypto market cap was $1.93 trillion. According to CoinMarketCap data, the total crypto market volume over the last 24 hours increased by 57.06% to $101.50 billion. The total volume on DeFi was $12.87 billion, which is 12.68% of the total crypto market 24 hour volume.  Stable coins volume was $85.66 billion, which is 84.40% of the total crypto market 24-hour volume.  Bitcoin’s dominance witnessed a slight increase of 0.04% over the last day at 41.07%. The most popular crypto asset was priced at $39,471.84 (approx. Rs 31.5 lakh)  on Tuesday (April 12, 2022) morning. The overall Bitcoin price has decreased  by 15.40% in the last 7 days, according to the data on CoinMarketCap website. In the last 24 hours itself, Bitcoin price decreased by 6.13%. ALSO Read | Crypto Price News April 11, 2022 Meanwhile, prices of other top crypto assets have also decreased in the last 24 hours. Here’s a comparison:  Ethereum (ETH): Ethereum price decreased by 6.84% to $2961.08 in the last 24 hours. In the last 7 days, ETH price has decreased by 15.75%. It is currently ranked second largest crypto asset in terms of market capitalisation.   Binance (BNB): Binance coin’s price decreased by 5.07% to $393.84 in the last 24 hours. In the last 7 days, BNB price has decreased by 12.73%. It is currently ranked as fourth biggest crypto asset in terms of market capitalisation.   XRP: XRP coin’s price decreased by 6.37% to $0.698. in the last 24 hours. In the last 7 days,XRP price has decreased by 15.69%. It is currently ranked as 6th biggest crypto asset in terms of market capitalisation.   Solana (SOL): Solana coin’s price was down 10.41% to $99. in the last 24 hours. In the last 7 days, SOL price has decreased by 25.02%. It is currently ranked as 7th biggest crypto asset in terms of market capitalisation.   ALSO READ | Crypto Top Gainers and Losers April 12 Cardano (ADA): Cardano token’s price decreased by 8.73% to $0.9271 In the last 24 hours. In the last 7 days, ADA price has decreased by 23.51%. It is currently ranked as 8th biggest crypto asset in terms of market capitalisation.   Terra (LUNA): Terra coin’s price decreased by 8.91% to $81.64. in the last 24 hours. In the last 7 days, LUNA price has decreased by 29.60%. It is currently ranked as 9th biggest crypto asset in terms of market capitalisation.    Avalanche (AVAX): Avalanche token’s price decreased by 5.74% to $74.41% in the last 24 hours. In the last 7 days, AVAX price has decreased by 22.89%. It is currently ranked as 10th biggest crypto asset in terms of market capitalisation.   Popular memecoins – Dogecoin (DOGE) and Shiba Inu (SHIB) prices decreased by 9.57% and 9.72% respectively in the last 24 hours. DOGE is currently ranked 11th and SHIB 15th in terms of their respective market capitalisations.  (Cryptos and other virtual digital assets are unregulated assets in India. Investing in them could lead to losses. Please consult your professional financial advisor before investing in crypto. [ad_2] Source link

[ad_1] Given the current housing inventory crisis, it might surprise people to realize this: we built too many homes during the housing bubble years. Wait, what? But we have a housing shortage, right? Yes, but this is where my work is much different from other housing economists and why we need to think of inventory in a new, modern 21st-century mindset. The big theme of my housing work since 2010 has been that the housing market would have its weakest recovery from 2008 to 2019 because we simply built too many homes versus the real demand curve, and monthly supply proves that. If you look at the monthly supply for new homes from 1996 to 2005, it was always lower than what we saw from 2008 to 2019. New home sales were working from the lowest levels ever, but sales kept on disappointing analysts and economists. We had a few years where sales missed expectations in 2013, 2014, and 2015. Then in 2018, when mortgage rates got to 5%, we had a supply shock for the builders, which in essence stalled out construction for 30 months. New home sales were much more substantial, of course, heading toward the bubble peak of 2005, so as long as sales rose, the homebuilders would build. Then we had an 82% crash in new home sales, and the weakest new home sales recovery ever after 2010. One of my big calls in the previous expansion was that we wouldn’t see housing starts begin a year with 1.5 million total housing starts until 2020-2024, when demand would warrant that many housing starts. I wrote about this topic last year: Why we can’t build our way out of this hot housing market. The new home sales market is always in competition with the existing home sales marketplace because that marketplace has a much more significant inventory with cheaper, older homes. So homebuilders can’t just put their head down and overbuild. On top of all the drama we have, housing completions look terrible, so there is some risk to the builders’ business model now that rates have risen.  As you can see in the chart below, the monthly supply of new homes is different than the monthly supply of existing homes. The existing home sales monthly supply is 1.7 months versus 6.3 months for the new home sales market. So how should we look at the inventory situation? Everyone has their way of looking at inventory, so let’s take a look at the different approaches. Mike Simonsen, founder and CEO of Altos Research, does a great job looking at the single-family inventory each week, using Altos’ real-time snapshot of what’s going on. Inventory is seasonal, rising in the spring and summer and fading in the fall and winter. So, we want this data line to be positive year over year, not negative. Watching the demand indicators very closely. Price reductions at 16.9% are slightly more than last year's frenzy record demand. Watch the steepness of this slope in the next few months. 3/6 pic.twitter.com/6wTCOXgNaG — Mike Simonsen (@mikesimonsen) March 28, 2022 Taylor Marr, lead economist at Redfin, tweeted a chart recently showing the decline in existing total inventory for years but the rise in single family inventory for the new home sales marketplace. As you can see above, total new home inventory has been rising for years and hasn’t made a dent in the whole inventory levels of the existing home marketplace, especially post 2020. Here is a look at Redfin’s data which you can also find weekly here: The Census Bureau chart below shows rental and homeowner vacancy rates, which paints a bleak picture. It shows there’s not just a lack of inventory of homes for sale, but also how the rental market is feeling the heat. The National Association of Realtors provides a monthly snapshot of inventory with its existing home sales report. I use this data line to give people a realistic take on the landscape of housing inventory with the existing home sales marketplace. Inventory from 2010 to 2019 was high enough that we didn’t see major bidding wars. However, inventory has broken down to such low levels that unhealthy bidding wars are more common since 2020. Inventory is very seasonal and we are about to get the spring and summer increases in inventory we see every year. We want the total inventory to rise and the total inventory data to be positive year over year. We want to get back to a range of 1.52 – 1.93 million homes, which would mean the madness in the housing market would be over. The chart below has the most recent inventory data from the last existing home sales report, which shows homes grew from 860,000 to 870,000 but was down year over year. After this report, I downgraded the housing market from unhealthy to savagely unhealthy as inventory showed negative year-over-year data. Once total inventory can get back into the range of 1.52 million to 1.93 million, I can take off the unhealthy housing market label. I hope higher rates do their thing regarding cooling down price growth and creating more days on the market. Yes, I know home sellers will pull back with higher rates, but you can see the issue with the existing home sales marketplace that doesn’t exist with the new home sales market. Right now, an American homeowner with a sub 3.25% mortgage rate has the best hedge against inflation, and they are looking great. In contrast, the new home sales supply inventory channels don’t have a homeowner who has been in their homes for 10-20 years. Hopefully, this explains some of the different dynamics between the new home sales market and the existing home sales marketplace. Because my home-price growth model of 23% in five years accelerated so fast in just two years, I am rooting for more inventory and prices to cool down noticeably so I can get ready for the year 2025. That’s an entirely different conversation

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[ad_1] Japan's wholesale inflation stays near record on Ukraine war, weak yen [ad_2] Source link

[ad_1] Architecture has mostly been associated with arts and aesthetics, but have you ever imagined designing it for a societal cause? Jindal School of Art and Architecture (JSAA) has claimed to redefine the concept of architecture by creating a built environment from socio-political, economic and cultural perspectives. Based on various real life problems, the institution has rolled out multi-utility course structures at undergraduate level.  “As of now, architecture and design has been perceived in aesthetic ways. But the basic aspects of design or architecture comprises two things, first articulation of problems and second is solving those problems. That is where design has the biggest contribution,” Jaideep Mukherjee, professor, executive dean, director, undergraduate programs, JSAA, told FinancialExpress Online.  With this, JSAA aims to create designs and architecture courses which would further contribute to solving problems of developing communities or systems on ground. The architectural institute was started in 2018 by O P Jindal Global University with 20 students, the school now has 170 students altogether. In the academic year of 2021-22, JSAA has enrolled 65 new students.  At present, the institute offers three undergraduate courses which includes Bachelor of Architecture (B Arch), Built Environmental Studies (BA Hons), and Bachelors of Design (B Des). The architecture programs are designed for non-STEM (science, technology, engineering, maths)  students. According to Mukherjee, students do not need a STEM background to pursue architecture courses. It is skill, logistics, and knowledge that stimulates a student to practice it.  The institution claimed to have restructured the perspective of architectural studies with provision of multidisciplinary subjects such as gender and design, architecture and public policy, including minor subjects such as government and political studies, environment and sustainability studies amongst others. “Design is very much influenced by gender. At one level it states how different genders experience space and their environment differently, secondly how design has always kept man at its centre and never talked about other gender. We are changing the patriarchal spectacle of design,” Mukherjee said.  According to the institute, students from any academic background with 50% marks, can pursue the degree courses by clearing a Jindal Creative Aptitude Test (JCAT) and interview sessions. Though the UGC guideline urges to conduct Common University Entrance Test (CUET) in higher education institutions, JSAA stated that it looked at JCAT as the only mode of entrance for the academic year of 2022-23.  Read Also: UGC urges universities to award degree certificates within 180 days from result declaration [ad_2] Source link

[ad_1] More and more borrowers are looking for a fast, effective mortgage process that involves less paper. We recently spoke to Amanda Hill, Head of Mortgage Solutions at Reggora, about actionable steps lenders can take to overcome barriers to automation.   HousingWire: How do the sentiments of today’s average borrower heighten the need for lenders to be more competitive? Amanda Hill: Once average borrowers realized they can work remotely to achieve a different or more rewarding work experience AND their physical presence at the office was no longer mandatory, the search for the next home (probably with more space for a home office!) or expansion of the current nest began. In April 2021, Forbes noted that “remote work is here to stay” and where people choose to live will continue to change. The need for a mortgage from a lender who delivers an amazing experience to facilitate this is essential, but borrowers know what they want! The pandemic and ensuing demand for spacious houses and refinances put the pains of the mortgage process into focus. Borrowers quickly made it clear that they expected a faster process with less paper. Lenders need to be prepared to move (pardon the pun!) with these changes to stay competitive. Millennials and Gen Z borrowers who use their cell phones and tablets for almost everything expect an effective, fast process to obtain their loans. They are rapidly becoming a key segment for lenders to consider. Emphasize “speed” if you want to be competitive in this environment. However, it’s not only younger borrowers who want a more efficient approach… Borrowers at all stages of homeownership are looking for user-friendly, online experiences with full visibility into the process. Modern technology is key for lenders who want to stay competitive in this regard. HW: What are some actionable steps lenders can take to gain that competitive edge? AH: Embracing technology and automation to give borrowers a simple, user-friendly and effective experience provides any lender with a significant advantage in today’s competitive arena. Online portals for each step in the process – applications, uploading documents and e-signing, and meaningful status updates – are crucial. At the same time, don’t overlook your “behind the scenes” operational use of technology.  Many lenders have great presence in terms of online applications and document upload capabilities, but operational solutions have not been embraced as widely as POS functionality. Using automated solutions to make the process as efficient as possible will ensure that your operations team is focusing on high impact tasks versus being bogged down by outdated spreadsheets. In addition, modern tools can help eliminate manual errors and spot potential issues to reduce unnecessary costs. HW: Looking back at how remote work has impacted the industry, what are some key takeaways for lenders, and how does this play into what can set them apart? AH: I think many of us in our industry collectively held our breath when offices were required to close at the beginning of the pandemic and remote work was the only avenue to continue “business as usual”. How would this work, not only for borrowers but our employees? While it is not without its challenges, there have been many upsides to lending employees working remotely. While borrowers adapted to the pandemic and set new expectations for a modern experience, mortgage lenders and their employees experienced a new paradigm as well. Two of the obvious benefits are access to a much larger talent pool for employers (with fewer limitations on physical location) and greater flexibility for the employees. In that same vein, mortgage employees who were previously reluctant to embrace modern technology at the office now understand and value its benefits and often enjoy the remote work experience. They are now open and willing to try new software so it’s a fantastic time for lenders to improve their tech stack. Lenders now have a great opportunity to gain a competitive edge with technology, which drives more business through effective borrower experiences and reduced turn times. HW: How does Reggora empower lenders to embrace digital transformation? AH: Reggora specifically addresses the needs for appraisals with the most modern, effective tools available. We’re driving innovation in an area that historically has been one of the most manual, time-consuming aspects to manage for most lenders. Our platform is designed for speed (a la shorter turn times) and quality. Capabilities such as automated order allocation, comprehensive quality control, automated status notifications and streamlined payments all work together to free up time for both lenders and appraisers. With Reggora, lenders can offer their borrowers the modern experience they expect, such as simple appraisal scheduling, easy online payments and more visibility. Implementing Reggora is easier than you might think. Our consultants help our lender customers set up the best processes to meet the unique needs of both the lender AND their appraisal vendors. And with our open API and integrations with major LOS and POS platforms, there’s no workflow we can’t support. Our goal is always to deliver a clean and seamless rollout that helps lenders achieve results FAST. The post How embracing digital transformation gives lenders a competitive edge appeared first on HousingWire. [ad_2] Source link

[ad_1] The mortgage industry is incredibly competitive, with hundreds of lenders looking to get your business. But when it comes to VA loans, you don’t want to go with just any lender. Most lenders don’t do many VA loans, and some do none at all. Since VA loans are a highly specialized mortgage type, it’s best to go with lenders who focus mostly or even entirely on this loan type. To help you with the decision, we’ve prepared this guide listing what we believe to be the best VA home loans of 2022. We’ll cover each lender, then provide you with a thorough understanding of VA home loans and how they work. Before we go any deeper, you can scan the comparison table below to get a quick overview of the eight best VA loan lenders of 2022: #ap36784-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap36784-ww #ap36784-ww-indicator{text-align:right}#ap36784-ww #ap36784-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap36784-ww #ap36784-ww-indicator-wrapper:hover #ap36784-ww-text{display:block}#ap36784-ww #ap36784-ww-indicator-wrapper:hover #ap36784-ww-label{display:none}#ap36784-ww #ap36784-ww-text{margin:auto 3px auto auto}#ap36784-ww #ap36784-ww-label{margin-left:4px;margin-right:3px}#ap36784-ww #ap36784-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;height:15px;min-width:15px;min-height:15px;cursor:pointer}#ap36784-ww #ap36784-ww-icon img{vertical-align:middle;width:15px;height:15px;min-width:15px;min-height:15px}#ap36784-ww #ap36784-ww-text-bottom{margin:5px}#ap36784-ww #ap36784-ww-text{display:none}#ap36784-ww #ap36784-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad Best Overall Best Online Lender Best for Other Mortgage Options Best for Low Rates Best for No-Lender Fees Best for First-Time Homebuyers Best Online Mortgage Marketplace Best Mortgage & Banking in One Place Veterans United Quicken Loans loanDepot USAA Bank PenFed Navy Federal Credit Union LendingTree Wells Fargo VA Loans Our Partner Our Partner Our Partner Get Started Get Started Get Started Get Started Get Started Get Started Get Started Get Started BBB Rating A+ A+ Not Rated A+ A+ Not Rated A+ A+ VA Loan Types 15-year, 30-year, Jumbo Loans 15-year, 25-year, 30-year, Jumbo Loans 15-year, 30-year, Jumbo Loans 15-year, 30-year, Jumbo Loans 15-year, 30-year, Jumbo Loans 15-year, 30-year, Jumbo Loans 15-year, 30-year, Jumbo Loans 15-year, 30-year, Jumbo Loans not disclosed Minimum Credit Score 620 620 620 620 620 Not disclosed Generally 620, but varies by lender Not disclosed Mobile App iOS only Yes, through Rocket Mortgage No Yes Yes Yes Yes Yes Best Overall Veterans United Our Partner Get Started BBB Rating A+ VA Loan Types 15-year, 30-year, Jumbo Loans Minimum Credit Score 620 Mobile App iOS only Best Online Lender Quicken Loans Our Partner Get Started BBB Rating A+ VA Loan Types 15-year, 25-year, 30-year, Jumbo Loans Minimum Credit Score 620 Mobile App Yes, through Rocket Mortgage Best for Other Mortgage Options loanDepot Our Partner Get Started BBB Rating Not Rated VA Loan Types 15-year, 30-year, Jumbo Loans Minimum Credit Score 620 Mobile App No Best for Low Rates USAA Bank Get Started BBB Rating A+ VA Loan Types 15-year, 30-year, Jumbo Loans Minimum Credit Score 620 Mobile App Yes Best for No-Lender Fees PenFed Get Started BBB Rating A+ VA Loan Types 15-year, 30-year, Jumbo Loans Minimum Credit Score 620 Mobile App Yes Best for First-Time Homebuyers Navy Federal Credit Union Get Started BBB Rating Not Rated VA Loan Types 15-year, 30-year, Jumbo Loans Minimum Credit Score Not disclosed Mobile App Yes Best Online Mortgage Marketplace LendingTree Get Started BBB Rating A+ VA Loan Types 15-year, 30-year, Jumbo Loans Minimum Credit Score Generally 620, but varies by lender Mobile App Yes Best Mortgage & Banking in One Place Wells Fargo VA Loans Get Started BBB Rating A+ VA Loan Types 15-year, 30-year, Jumbo Loans not disclosed Minimum Credit Score Not disclosed Mobile App Yes #ap36784-w-money-company-table2-container #ap36784-w-money-company-table2 table{width:100%;max-width:none;table-layout:fixed}#ap36784-w-money-company-table2-container #ap36784-w-money-company-table2 table.gfc tr td.company-tbl-column-title{font-family:Muli,sans-serif}#ap36784-w-money-company-table2-container #ap36784-w-money-company-table2 table.gfc tr td.company-tbl-column-banner_text{color:#085DAD;font-family:Muli,sans-serif}#ap36784-w-money-company-table2-container #ap36784-w-money-company-table2 table.gfc tr td.company-tbl-column-banner_text.number-0 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[ad_1] I found Nicole Zasowski through her book, What If It’s Wonderful? Release Your Fears, Choose Joy, and Find Courage to Celebrate and it hit me in some really deep places. I didn’t expect a book about celebration would have me uncovering such unexpected things I need to process through in my life. In her book and this podcast episode, Nicole shares her story of having five miscarriages and how those struggles caused her to stop hoping and just constantly live in fear and dread of the unknown. She shares candidly what it looked like to lose hope and feel so overwhelmed with discouragement. She then shares practical suggestions for how to pursue joy and find the courage to hope again. Whether you are in a dark pit of despair right now or just would love to experience more joy and celebration and hope in your life, I think this episode will really encourage you! In This Episode [00:34] – Welcome to another episode of The Crystal Paine Show. [01:28] – I’m just getting to know Nicole Zasowski and I ask her to introduce herself to our audience. [02:03] – I ask Nicole what inspired her to write this book. [04:24] – How did you go about recognizing that you were not allowing yourself to experience joy? [06:00] – I ask Nicole to speak to the woman who is going through a miscarriage or difficult time and feeling without hope. [08:48] – How did you handle the, “everyone else is getting what I want” season? [12:13] – What does it look like, practically, to delight in the present moment [19:18] – The difference between feelings feeling true and being true. [21:29] – How do you live in that moment and see the beauty, when it just feels like you’re in the fog and it’s dark? [28:28] – Nicole closes us out by encouraging the woman who wants to find a way to enjoy the here and now. Links & Resources Books What If It’s Wonderful? Release Your Fears, Choose Joy, and Find Courage to Celebrate by Nicole Zasowski From Lost to Found: Giving Up What You Think You Want for What Will Set You Free by Nicole Zasowski Other Links Nicole Zasowski on Instagram Nicole Zasowski on Facebook Love-Centered Parenting 10 Days to Be a Happier Mom Sign up for the Hot Deals Email List MoneySavingMom.com My Instagram account (I’d love for you to follow me there! I usually hop on at least a few times per day and share behind-the-scenes photos and videos, my grocery store hauls, funny stories, or just anything I’m pondering or would like your advice or feedback on!) Have feedback on the show or suggestions for future episodes or topics? Send me an email: crystal @ moneysavingmom.com [ad_2] Source link