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[ad_1] Corona-Brewer AB InBev Gains on Guiding Fatter Annual Profit [ad_2] Source link

[ad_1] We all consider overseas education as a great opportunity for our personal and professional growth with the host of experiences that we gather, in our time abroad. However, studying in a foreign country is an expensive affair given the several costs that come with it. To help with that, there are some money-saving and managing tips that you can follow. The first and one of the obvious tips is to minimize your personal expenses. Overseas education is an expensive proposition and while planning, parents need various factors such as college fees, along with the living expenses, travel expenses, etc. for the overall budget. Tuition fee is that major component of your expenses that is not under your control. But for other personal, lifestyle expenses, experts say you can try to minimize them as much as possible. Find thrifty solutions to substitute your extravagant purchases. Having said that, Basil Ali, Co-founder and COO, Edumpus says “There are certain expenses which you cannot ignore like food, apparel, stationery, transportation, etc. There are various brands that offer student discounts that can get you a deal on a lot of your purchases. Shopping during sales can help you get good quality products for a much more affordable price. For books, you can issue books from the library of your college or any community library.” It is always recommended by experts to get services from a local bank as soon as one reaches one’s study destination. Enquire about debit and credit cards and what student benefits they offer. Ali explains, “As the natives are more aware of the dynamics of the country or city, therefore, they are the best people who can guide you on where and how you could purchase an affordable phone connection or buy your daily groceries from.” Studying in a foreign country comes with its own costs and there can be certain emergencies which you need to be prepared for. To anticipate such situations and make provisions for the same, consider getting a part-time job. This source of income can be your rainy day reservoir and can contribute towards your education loan as well. Ali points out, “As part of a generation that is so technology-adept, managing personal expenses using technology should not come as a surprise. Downloading a money management app can help keep track of the expenses and give a detailed report of the spending patterns.” Studying abroad comes with a laundry list of responsibilities, at the same time, experts say it’s a huge learning curve for the students who get to learn basic life skills – Managing money being the most important one. Hence, Ali adds, “be mindful of your expenses and you will sail through your life-changing study experience successfully.” [ad_2] Source link

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[ad_1] Russian forces invade Ukraine with strikes on major cities [ad_2] Source link

[ad_1] An Air India plane that took off for Kyiv in Ukraine on Thursday morning to bring back Indians from the eastern European nation is returning to Delhi due to the closure of Ukrainian airspace amid the Russian military offensive. After the Air India flight had departed from Delhi on Thursday morning, the Ukrainian authorities issued a NOTAM (Notice to Airmen), which stated that flights of civil aircraft within Ukraine “are restricted due to potential hazard for civil aviation”. Air India and the central government then decided to call back the plane to Delhi, officials said, adding that the plane took an about turn in the Iranian airspace to return to Delhi. An airline spokesperson said the Air India flight AI 1947 is returning as a NOTAM has been issued at Kyiv. The flight started from the Indira Gandhi International Airport (IGIA) here at around 7.30 am for Boryspil International Airport in Kyiv.Meanwhile, a Ukraine International Airlines flight from Kyiv landed at the Delhi airport at around 7.45 am on Thursday.”There were 182 Indian nationals onboard the flight and majority of them were students… A couple of more flights have been scheduled,” Anju Wariah, Director at STIC Group, said. The group is the General Sales Agent (GSA) for Ukraine International Airlines in India. After weeks of rising tensions, Russia on Thursday announced a military operation against Ukraine. Air India’s Thursday flight was scheduled to be the second flight to bring back Indians from the eastern European nation. The first flight, operated on February 22, brought back around 240 people. On February 19, Air India announced that it would operate three flights between India and Ukraine on February 22, 24 and 26. [ad_2] Source link

[ad_1] CFPB Director Rohit Chopra The Consumer Financial Protection Bureau (CFPB) announced Wednesday that it may propose a rule to regulate the use of automated valuation models (AVMs) by lenders and appraisers. The government watchdog is concerned that automated valuation models may reflect bias in design and function. Specifically, the bureau raised the concern that mathematical models may rely on biased data, resulting in inaccurate valuations. The bureau added that without proper safeguards these models could digitally redline neighborhoods and perpetuate historical disparities. To address those potential risks, the CFPB and a handful of other regulators, including the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, the National Credit Union Administration and the Federal Housing Finance Agency are considering proposing an interagency requirement that institutions establish policies, practices, procedures and control systems to ensure that that their AVMs comply with applicable nondiscrimination laws, the bureau said. The Dodd-Frank Act gives the CFPB and other regulators the authority to implement rules and establish quality control standards for automated valuation models. In a Wednesday press release, the bureau listed several “options” for how it might do so. The options include requiring random sample testing and reviews, ensuring a high level of confidence in the estimates provided by the AVMs and protecting against data manipulation. How the CFPB will address the two latter points remains to be seen. Firms that develop automated valuation models have argued they might help to eradicate appraisal bias. CFPB Director Rohit Chopra disagrees. “It is tempting to think that machines crunching numbers can take bias out of the equation, but they can’t,” said Chopra. But prior to introducing a proposed rule, the CFPB, in accordance with federal law, must convene a small business review panel to get feedback from small businesses that could be affected by the proposal. The bureau notes that small entities such as real estate credit companies, secondary market financing companies and mortgage loan brokers may be directly impacted. The timeline for when the panel will take place is unclear. The CFPB said in an outline published on their website that within 60 days of convening, the panel must issue a report summarizing the input received from small businesses before the CFPB can propose a rule. The bureau added that they are considering a 12-month implementation period after issuance of an eventual interagency final rule. Fair lending enforcement and addressing appraisal bias have been top priorities for the Biden-Harris administration. In July 2021, the Department of Housing and Urban Development announced that it would spearhead an inter-agency task force to make recommendations on how to address appraisal bias. The report is expected in early 2022. The post CFPB weighs rulemaking on algorithmic bias in valuation models appeared first on HousingWire. [ad_2] Source link

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[ad_1] S.Africa building giant WBHO quits Australia, blames 'hardline' COVID response [ad_2] Source link

[ad_1] Share Market News Today | Sensex, Nifty, Share Prices LIVE: Domestic equity market benchmarks BSE Sensex and Nifty 50 were staring at a gap down opening on Thursday, a day of monthly F&O expiry. Nifty futures were trading 242.50 points or 1.42 per cent down at 16820.50 on Singaporean Exchange in early trade. In the previous session, headline indices extended losses to the sixth consecutive session. Sensex closed 68 points or 0.12% lower at 57,232 while NSE Nifty 50 ended 29 points or 0.17% lower at 17,063. Asian stock markets were trading with cuts as investors continued monitoring the intensifying crisis surrounding Ukraine. Japan’s Nikkei fell 0.7 per cent, China’s Shanghai Composite was down 0.25 per cet, and the S&P/ASX 200 in Australia lost 2.5 per cent. Wall Street’s major indexes ended sharply lower on Wednesday, extending their recent rout as Ukraine declared a state of emergency and the U.S. State Department said a Russian invasion of Ukraine remains potentially imminent. The Dow Jones Industrial Average fell 464.85 points, the S&P 500 lost 79.26 points, and the Nasdaq Composite dropped 344.03 points. India Ratings has revised downwards its GDP growth forecast for 2021-22 to 8.6 per cent from the consensus 9.2 per cent projected earlier. The National Statistical Organisation (NSO), which has forecast 9.2 per cent real GDP growth for the year, will release the second advance estimate of national income on Monday. [ad_2] Source link

[ad_1] Offerpad CEO Brian Bair Get out the streamers and kazoos and start preparing the hors d’oeuvres – an iBuying company has reported a year’s worth of profitability. Offerpad Solutions generated $6.5 million for the year 2021, company CEO, chairman and founder Brian Bair reported on an earnings call Thursday, a turnaround from the Chandler, Arizona-based company losing $23.1 million in 2020. Offerpad also posted $2.1 billion in 2021 revenue, almost doubling its $1.1 billion revenue haul. This gross revenue sum includes fees Offerpad charges consumers, plus money from home sales. The seven-year-old business went public in September, through a special purpose acquisition company helmed by former Zillow CEO Spencer Rascoff. Unclear is whether Offerpad can remain in the black. Bair and Mike Burnett, the company’s chief financial officer, acknowledged on the call the favorable role for their bottom line played by home price appreciation. “Nobody is expecting this level of home price appreciation to continue,” Burnett said. Also, Offerpad only issued financial guidance for the first quarter of 2022 for which the company hopes to manufacture over $1 billion in revenue. Still, Offerpad’s financials are a far cry from its short list of iBuying competitors. Opendoor bled $421 million in the first nine months of 2021 (Opendoor’s earnings call is Thursday). Zillow lost so much they are shutting iBuying down. And Redfin’s iBuying program is the main culprit for the company’s $110 million 2021 loss. As for what Offerpad is doing better, Bair pointed to the company’s relatively small operating expenses of $188 million. “We will continue to demonstrate strong cost discipline,” the CEO said. Also, Offerpad is not taking the risks other instant home buyers have when it comes to price. The company sold 6,373 homes in 2021 for an average price of $324,000. That’s less than the median U.S. home price of $361,000, according to National Association of Realtors numbers. Offerpad’s business is mostly based in Sunbelt markets. The company plans to expand into 29 markets, but analysts on the call questioned if consumers have heard of Offerpad in environs like Kansas City, Missouri and San Bernardino, California. “Our brand awareness is market specific,” Bair said. “It’s strong in Phoenix, Charlotte and Atlanta. Brand awareness in newer markets is not what it needs to be.” Analysts also pressed whether Offerpad can expand its “buy box” – that is the price range for which they feel comfortable to buy a home, and then resell it in around 90 days. In answering these questions, Bair and Burnett focused less on price forecasting tools and more on the company’s ability to remodel homes. Bair also was non-committal about how Zillow dipping out of iBuying may help his business. “It’s a little bit early to tell,” the company CEO said. “We are seeing more and more people come to us. I’m sure there’s some impact of Zillow exiting the market.” The post What are you wearing to the Offerpad profitability party? appeared first on HousingWire. [ad_2] Source link