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[ad_1] Unemployment rate in urban India, in current weekly status (CWS), for all ages stood at 9.8% in the second quarter of current fiscal, lower than 12.7% prevailing in the first quarter, but 40 basis points higher than 9.4% prevailed in the January-March quarter of the last fiscal. Urban unemployment rate was 20.9% in the April-June 2020 period when the first wave of the pandemic hit the country hard. The latest available results of the quarterly Periodic Labour Force Survey (PLFS), conducted by the ministry of statistics and programme implementation (MoSPI), also showed that 22.5% of urban youth in the 15-29 years age group remained unemployed during the July-September period of current fiscal, lower than 27.7% in the year-ago quarter. As per the PLFS yardsticks, the activity status of a person is determined on the basis of reference period of last seven days preceding the date of survey, as his/her CWS. Unemployment rate is defined as the percentage of the unemployed persons in the labour force. According to the Centre for Monitoring Indian Economy (CMIE), which provides more frequent insights into the employment-unemployment scenario, the urban joblessness rate was 8.32% in July, 9.78% in August and 8.64% in September 2021. The rate stood at 7.37% in October, 8.2% in November, 9.3% in December, 8.16% in January and 7.55% in February this year. PLFS data comes with a lag. During the July-September 2021 period, unemployment for urban males for all ages was 9.3%. It was 11.6% for their female counterparts. At 18.2%, urban Kerala had the highest unemployment rate among all states. Labour force participation rate, which is defined as the percentage of population in the labour force for all age group during the July-September 2021 period, was 37%, same as that of the corresponding period last year. It was 37.1% during the April-June period of the current fiscal. As per the latest quarterly PLFS report, the unemployment rate was the highest at 27% for urban females in the 15-29 age group. The quarterly PLFS, which is limited to urban areas, is different from annual PLFS report. Annual PLFS covers both urban and rural areas and gives estimates of labour force indicators both in CWS and usual status (US) method. The US method records only those persons as unemployed who had no gainful work for a major time during 365 days preceding the date of survey and were seeking or available for work. [ad_2] Source link

[ad_1] On the heels of completing its first credit insurance risk transfer (CIRT) deal of the year in early March, Fannie Mae has announced that it has executed two additional CIRT deals.  The newest deals, CIRT 2022-2 and CIRT 2022-3, together transferred $1.8 billion of mortgage credit risk to private insurers and reinsurers.  “We appreciate our continued partnership with the 25 insurers and reinsurers that have committed to write coverage for these two deals,” said Rob Schaefer, Fannie Mae’s vice president for capital markets.  The initial deal of 2022, CIRT 2022-1, also transferred millions of dollars of credit risk to a group of private insurers and reinsurers. That credit risk is tied to a $26.1 billion reference pool of single-family mortgages.  As part of that initial deal, Fannie Mae will retain risk for the first 25 basis points of any loss on the $26.1 billion reference loan pool. If that $65.3 million retention layer is tapped, then the 22 insurers and reinsurers will cover the next 295 basis point of loss on the pool, up to $770.7 million.  CIRT offerings 2 and 3 work similarly. The covered loan pool for CIRT 2022-2 consists of some 87,400 single-family mortgage loans with an outstanding unpaid principal balance of $26.5 billion. The covered loan pool for CIRT 2022-3 involves 76,600 single-family mortgage loans with an outstanding unpaid principal balance of $23.3 billion.  With CIRT 2022-2, Fannie Mae will retain risk for the first 25 basis points of loss on the $26.5 billion covered loan pool, representing a $66.3 million retention layer. If that layer is exhausted, then the 22 insurers and reinsurers that are part of the CIRT deal will cover the next 335 basis points of loss on the pool — up to a maximum coverage of about $889 million.  With CIRT 2022-3, Fannie Mae will retain risk for the first 65 basis points of loss on the $23.3 billion covered loan pool. If that $151.6 million retention layer is used up, then the 23 insurers and reinsurers that are part of the deal will cover the next 385 basis points of loss — up to a maximum coverage of some $898 million. The coverage terms for the latest CIRT deals, like the initial deal of 2022, are based on actual losses for a term of 12.5 years. Fannie Mae can cancel the coverage on each deal after five years by paying a cancellation fee. “Since inception to date, Fannie Mae has acquired approximately $17.6 billion of insurance coverage on $612 billion of single-family loans through the CIRT program,” Fannie Mae said in a statement announcing the new CIRT transactions. In addition, Fannie Mae also is transferring mortgage credit risk to the private market through its separate Connecticut Avenue Securities (CAS) real estate mortgage investment conduit, or REMIC, program. It’s most recent credit-risk transfer (CRT) transaction via the CAS program — and third of the year — was a $1.24 billion note offering backed by a reference loan pool of 150,395 primarily single-family mortgages valued at $44.4 billion. With the completion of that third CRT transaction unveiled in March, called CAS Series 2022-R03, Fannie Mae will have brought a total of 47 CAS deals to market and issued over $53 billion in notes since its initial offering in 2013. Through the CAS program, the agency has transferred a portion of the credit risk to private investors on some $1.7 trillion in single-family mortgage loans, as measured at the time of the transaction.  The post Fannie Mae finalizes two additional credit insurance risk transfers appeared first on HousingWire. [ad_2] Source link

[ad_1] The post Sites Like MTurk to Explore appeared first on Millennial Money. Amazon Mechanical Turk (MTurk) is a popular crowdsourcing website that businesses use to outsource tasks. MTurk — which operates as part of Amazon Web Services (AWS) — will pay you for completing a wide variety of small jobs. Some examples include tagging objects in images to improve search and advertising targeting, helping companies select the best pictures for online advertisements, and classifying objects in satellite imagery, among other things.  On MTurk, requesters can choose how much they want to pay. The average pay for MTurk is $11 per hour. However, some jobs pay far less — so make sure to figure out how much a gig pays before signing up. While MTurk is a popular destination for side hustlers, there are many other sites to explore if you’re looking to make money online. With that in mind, let’s take a look at some of the best MTurk alternatives to explore. Table of contents Best MTurk Alternatives for 2022  Clickworker  Microworkers RapidWorkers  Swagbucks  InboxDollars Crowdtap TaskRabbit Craigslist  OneSpace Upwork  Fiverr Nielsen Computer and Mobile Panel i-Say Surveytime ShortTask Designhill Appen JobBoy Frequently Asked Questions (FAQs) What are micro jobs? Can you make good money working micro jobs? What is Skrill? The Bottom Line Best MTurk Alternatives for 2022  Clickworker  Clickworker is an app that lets you earn extra money for doing random small tasks.  For example, you can use Clickworker to make money writing product descriptions, categorizing website data, editing and proofreading, researching, taking surveys, and testing apps, to name just a few examples.  To get started, create an account at Clickworker.com and complete the short assessments. If you pass, you’ll receive access to immediate paying opportunities. The company pays out on a weekly and monthly basis.  The app also provides 24/7 support from the Clickworker community if you run into any trouble. Microworkers Microworkers is another crowdsourcing site where you can make money completing small tasks like data tagging, data mining, transcription, comparing content, and taking surveys.  The site makes it very easy to understand what a job entails before you start. Each task displays a set of instructions, the time necessary to complete it, and the amount you get for finishing the job. By completing small tasks, you can boost your satisfaction rating and get more jobs. Once you reach the company’s minimum withdrawal amount of $9, you can request payment with a Skrill, Dwolla, or PayPal account.  RapidWorkers  RapidWorkers is a micro jobs platform that connects businesses with remote workers.  To start, register for RapidWorkers and browse the list of open jobs. When you see one that looks good, simply sign up and complete the simple task. For example, the site might ask you to upload photos to a site, fill out a form, or follow someone on social media.  After you complete a task, submit proof of the work and the company will issue payment. Once you collect $8 worth of earnings, you can cash out and receive money via PayPal. Swagbucks  Swagbucks is the granddaddy of survey sites. It offers the opportunity to make money by completing simple tasks like watching videos, taking surveys, playing games, searching the internet, and participating in focus groups. The company also offers cashback rewards for online shopping. When working with Swagbucks, you can collect either gift cards or PayPal rewards. The site lets you withdraw your earnings once you rack up at least $25. Swagbucks Swagbucks is a legit money-making app where you can make money taking surveys, watching videos, playing games, and more. Sign Up ($20 Bonus) InboxDollars InboxDollars is very similar to Swagbucks. In fact, it’s owned by the same market research company (Prodege).  The platform offers access to paid tasks like watching videos and taking online surveys. You can also earn cash back by shopping at partner retailers.  InboxDollars is a legit survey site that pays in actual cash instead of points or gift cards. However, the minimum payout of $30 is a bit higher than Swagbucks, which is something to keep in mind as it will most likely take a few weeks to build up to that amount. InboxDollars With InboxDollars, you take surveys, earn cash, it’s that simple, you can even earn to watch tv! Sign Up ($20 Bonus) Crowdtap Crowdtap is a market research portal that rewards members for answering surveys, testing products, and participating in online discussions. The site issues points for completing tasks, which can be redeemed for gift cards to leading online retailers.  Most tasks on Crowdtap don’t take long to complete, and they are very simple to perform. The site is also very easy to navigate. Crowdtap lets you cash out once you collect at least 1,000 points. TaskRabbit TaskRabbit is perfect for people who like doing physical jobs. By signing up for TaskRabbit, you can make money as a Tasker by taking on local assignments — like painting, repairing fences, raking leaves, and shoveling snow. Unlike most other online job sites, TaskRabbit brings you out into the real world. So if you like getting out and interacting with people face-to-face, this site is worth looking into. The amount you make on TaskRabbit varies depending on the job. Once you complete a task, the client has to approve the work. When that happens, the payment goes through TaskRabbit. To cash out, you can use PayPal or request a check from TaskRabbit.  When you do a good job, you’ll earn positive ratings, making it easier to land future gigs.  Best of all, TaskRabbit doesn’t charge any fees to Taskers.  TaskRabbit $25 to register in some cities Find local jobs that fit your skills and schedule. With TaskRabbit, you have the freedom and support to be your own boss. Get Started Craigslist  Craigslist is another excellent option for finding micro tasks. People post all kinds of jobs on this online marketplace, ranging from freelance graphic design to helping with yard work.  As a public message board, you’ll have

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[ad_1] The Ministry of Civil Aviation has relaxed COVID-19-related regulations stating that cabin crew members need not wear PPE kit, airlines need not keep three seats vacant on international flights for medical emergencies and security personnel at airports can resume pat-down search of passengers. The relaxation has been given to facilitate “smooth conduct of air operations”, the ministry’s order, dated March 21, stated. The aviation market in India is currently recovering after the Omicron variant suppressed the demand in January. Around 76.96 lakh domestic passengers travelled by air in February, approximately 20 per cent more than in January. The Ministry of Civil Aviation (MoCA), in its order, said that the restriction of keeping three seats vacant on international flights for handling medical emergencies related to COVID-19 stands removed. “Airlines may carry a few additional PPE protective gears, sanitiser and N-95 masks, to handle any respiratory infections related to cases on air, for passengers as well as the crew,” the MoCA noted. It said it had allowed full domestic flight operations from October 18, 2021, and has now decided to recommence scheduled international flight operations from March 27, 2022, “in view of the declining COVID-19 cases, high level of vaccinations and prevailing COVID-19 situation”. The requirement of a complete PPE kit for crew members stands removed, the MoCA stated. “However, use of face mask and maintenance of hand hygiene/sanitiser continue to be mandatory,” it added. The pat-down search by security personnel at airports is reintroduced, wherever needed, as per directions of the Bureau of Civil Aviation Security, the MoCA noted. “During the process, the security personnel must wear N-95 mask and sanitise hands after each pat-down search, besides following regular COVID-19 protocols,” it mentioned. India reported a single-day rise of 1,581 fresh COVID-19 cases, taking the infection tally to 4,30,10,971, while the active cases further declined to 23,913, the Union Health Ministry said on Tuesday. The death toll has climbed to 5,16,543, with 33 daily fatalities, the ministry data updated at 8 am stated. [ad_2] Source link

[ad_1] One of the most mysterious parts of the home buying and refinancing process are mortgage closing costs. Most consumers interested in applying for mortgage financing are aware they exist, but most are unfamiliar with how much they are, and where they come from. In this guide, we’re going to answer the question, what are mortgage closing costs? But we’re going to go beyond closing costs themselves, and also include mortgage escrows. Those are allowances for taxes and insurance that must be paid at closing. For that reason, they can seem indistinguishable from closing costs – in no small part because they’ll have much the same effect on the transaction. #ap79600-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap79600-ww #ap79600-ww-indicator{text-align:right}#ap79600-ww #ap79600-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap79600-ww #ap79600-ww-indicator-wrapper:hover #ap79600-ww-text{display:block}#ap79600-ww #ap79600-ww-indicator-wrapper:hover #ap79600-ww-label{display:none}#ap79600-ww #ap79600-ww-text{margin:auto 3px auto auto}#ap79600-ww #ap79600-ww-label{margin-left:4px;margin-right:3px}#ap79600-ww #ap79600-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;height:15px;min-width:15px;min-height:15px;cursor:pointer}#ap79600-ww #ap79600-ww-icon img{vertical-align:middle;width:15px;height:15px;min-width:15px;min-height:15px}#ap79600-ww #ap79600-ww-text-bottom{margin:5px}#ap79600-ww #ap79600-ww-text{display:none}#ap79600-ww #ap79600-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap79600-w-map{max-width:600px;padding:20px 0 10px;margin:0 auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap79600-w-map #ap79600-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap79600-w-map #ap79600-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap79600-w-map #ap79600-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap79600-w-map #ap79600-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap79600-w-map #ap79600-w-map-map svg{position:absolute;left:0;top:0}#ap79600-w-map #ap79600-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}#ap79600-w-map #ap79600-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap79600-w-map #ap79600-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}#ap79600-w-map #ap79600-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap79600-w-map #ap79600-w-map-map svg g .ap00646-w-map-state{display:none}#ap79600-w-map #ap79600-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap79600-w-map #ap79600-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap79600-w-map #ap79600-w-map-map svg g:hover{cursor:pointer}#ap79600-w-map #ap79600-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap79600-w-map #ap79600-w-map-map svg g:hover text{fill:#fff}#ap79600-w-map #ap79600-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap79600-w-map #ap79600-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}#ap79600-w-map #ap79600-w-map-btn:hover{color:#fff;background-color:#508fc9} Not sure how much house you can afford? Talk to a mortgage expert today before the market changes! Mortgage experts can help you find the best financing option for your needs, to help you get one step closer to the home of your dreams. Click your state to begin! HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas View Rates Today! What are Mortgage Closing Costs? Mortgage closing costs are any costs incurred in connection with obtaining a mortgage. The lender provides the loan, but since mortgages are ultimately a type of investment security that will be sold to third parties, there are numerous transaction fees involved in the process. In addition, a mortgage is also a legal transaction that requires the filing of documents with the appropriate state, county, and local authorities. That process adds an additional layer of fees. Typical closing costs you can expect to incur are listed below. However, this list is not comprehensive. There may be certain closing costs unique to individual states or markets that are not included on this list. As well, some of the costs listed below may not be charged in your local area. Points Mortgage points are a percentage of the loan amount paid upfront. There are three types of mortgage points. Each point is equal to 1% of the loan amount. They come in two flavors: origination fees and discount points. Origination fees are the lender’s compensation for arranging the mortgage. The fee is typically 1%, but it can be eliminated by accepting a slightly higher interest rate. For example, by agreeing to a rate increase of 1/8% (0.125), the lender may waive the origination fee. Discount points are what you will pay if you want to lower the interest rate on your mortgage. For example, if you want to lower your interest rate from 3% to 2.75%, the lender might charge 1.5% in discount points to make that happen. This type of strategy is only recommended if you plan on being in the home for many years and will have a chance to recover the cost of the discount points through the lower rate and monthly payment. A similar fee is what’s known as a rate lock fee. Many lenders will allow you to lock your loan rate at application free of charge if the lock term is no more than 30 days. But if you want a longer lock, like 45 days or longer, they may charge you a rate lock fee, which is also expressed as points. For example, the lender may charge you 0.50% of the loan amount to lock your rate for 60 or 90 days. But generally speaking, that fee will be applied to the origination fee, rather than being an additional closing cost. However, if you fail to close on the loan you may forfeit the rate lock fee. This is because the lender will have incurred a fee to reserve that rate for the time specified. Upfront Mortgage Insurance Premiums Both FHA and VA loans charge an upfront mortgage insurance premium (FHA loans also have a monthly premium). Conventional and jumbo mortgages have only monthly mortgage insurance premiums, that only apply if your down payment or the equity in your home is less than 20%. On FHA loans, the upfront mortgage insurance premium is typically 1.75% of the loan amount. On a $200,000 mortgage, this will be the equivalent of $3,500. The upfront mortgage insurance premium on VA loans is known as the VA funding fee. It is currently set at 2.3% of the loan amount for most borrowers, which means you’ll pay $4,600 on a $200,000 loan. In the case of either an FHA or VA loan, the upfront mortgage insurance premium is not generally paid out-of-pocket by the borrower. More commonly, it’s added to the loan amount and financed over the life of the loan. But in some cases, the property seller may pay the upfront mortgage insurance premium as an inducement for the borrower to purchase his or her property. Application Fees Most mortgage lenders will charge an application fee due at the time of application, not closing. However, in most cases, the application fee covers the appraisal and credit report fees. You can generally expect this to be in the range of $300 – $500. Appraisal Fees When a mortgage lender originates a loan, they must use the services of an independent, third-party appraiser to determine an objective value of the subject property. The lender will collect the fee for this service, but it will be paid to the appraiser, and not retained by the lender. An appraisal fee will typically run between

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