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[ad_1] The Solar Energy Corporation of India (SECI) has invited expression of interest from domestic module manufacturers to procure solar panels of 1,800 megawatt (MW) in FY24. SECI will use the modules to build the 1,200 MW solar capacities recently awarded to it in the third auction tranche of the CPSU solar scheme. The company said only solar manufacturers registered with the Bureau of Indian Standards and part of the ministry of new and renewable energy’s approved solar modules and domestic manufacturers (ALMM) list will be eligible. The CPSU scheme, meant to promote domestic solar manufacturing, is being implemented by the state-run Indian Renewable Energy Agency. It aims at 12,000 MW of solar capacity being set up by government companies by FY23. Projects for more than 8,000 MW have been awarded through auctions on the basis of discount on the viability gap funding (VGF) offered by bidders. The Cabinet has sanctioned VGF support of `8,580 crore towards this scheme. Other government agencies building solar projects under the CPSU scheme include NTPC, Singareni Collieries Company, SJVN, NLC India, NHPC and IRCON International. NTPC Renewable Energy, the subsidiary formed by NTPC to focus on its green energy business, had also recently invited EoI from domestic module manufacturers to procure solar panels of 15,000 MW for its projects over the next five years. A senior company official said it intends to issue the request for proposal for it in the “next two months”. Keeping in mind the company’s renewable energy capacity target of 60,000 MW by 2032, it “desires to enter into long-term sourcing partners for solar photovoltaic modules to develop its renewable energy portfolio either by way of direct sourcing tie ups or through a contract manufacturing”. As per the recent COP26 announcements, the country has set a target to install 500 gigawatt (GW) of renewable energy capacity by 2030 and much of it is to come from solar plants. The current installed renewable energy capacity in the country is 104 GW, of which 48 GW is solar. Module costs comprise about 60% of the total project expenditure for solar plants, and owing to cheaper rates of imported modules, solar capacity addition has largely been done through foreign products, especially Chinese. The total ALMM module-making capacity currently stands at 10,819 MW. From the beginning of FY23, solar module and cell imports will attract a BCD of 40% and 25%, respectively. [ad_2] Source link

[ad_1] This week’s HW+ member spotlight features Sarah DeCiantis, chief marketing officer at United Wholesale Mortgage. As a 2019 Vanguard and Women of Influence, DeCiantis is the catalyst behind United Wholesale Mortgage’s strategic approach to marketing, which has helped the company become the No. 1 wholesale lender. DeCiantis oversees advertising, public relations, social media, creative and customer relationship management that has established the company as the gold standard of the wholesale mortgage industry. DeCiantis prides herself on truly being in the weeds in all aspects of UWM marketing, as she regularly meets with clients to help assess their goals from a marketing perspective so UWM can help them grow their business, stressing the importance of building a strong social presence and driving business through content. Below, DeCiantis answers questions about the housing industry: HousingWire: To start off, what is your current favorite HW+ article? Sarah DeCiantis: This is tough! I love them all and think HousingWire does a fantastic job keeping readers, like myself, up to speed on industry news and trends. One article that sticks out is “Mortgage industry cheers Sandra Thompson’s nomination,” by Georgia Kromrei. I love that it showcases the support of a strong senior female leader in the industry, and think Georgia did a great job capturing perspectives from a variety of industry leaders and organizations.   HousingWire:  When do you feel success in your job?  Sarah DeCiantis: My success is based upon whether or not my team is happy and thriving. As a leader, I will always push and strive to do more, get better, take on new challenges and hit goals, but success comes in the form of making sure those around me are happy, fulfilled and continuously growing. At the end of the day, you’re only as good as your team, and it’s my job to ensure I’m providing them with what they need to be the best possible versions of themselves, personally and professionally. It’s simple – if they’re not successful, I can’t be successful. Team is everything. HousingWire: What’s the best piece of advice you’ve ever received? Sarah DeCiantis: The best piece of advice I’ve ever received is to be kind 100% of the time. It’s nothing new or groundbreaking, and something we learn to do as a child, but many people lose sight of this basic fundamental.   You never know what someone is going through, so whether it is a colleague, friend or stranger, your kindness has the ability to make a significant and positive impact on those around you. HousingWire: What are 2-3 trends that you’re closely following? Sarah DeCiantis: From a marketing standpoint, the official phasing out of third-party cookies is a reality I, along with every other marketer, have been studying. It’s important we find ways to ensure the continuation of effective digital advertising moving forward as this trend will continue in 2022.  From an industry standpoint, the shift we’re seeing with retail loan originators transitioning from retail to wholesale is picking up, and we at UWM take a proactive role in ensuring this trend continues on an upward trajectory. We’re already seeing an increase in conversions now, and we expect this to continue in 2022 and beyond, especially as rates continue to tick up and refi’s slow down.  HousingWire: What do you think will be the big themes for the housing market in 2022?  Sarah DeCiantis: Without a doubt, we’re going to see the wholesale channel grow exponentially in 2022 and beyond. As rates tick up, and refinances slow down, more and more retail LOs are going to switch over to the wholesale channel.  With the growth of the independent mortgage broker channel, we will also see an increase in consumers across the country better understanding the benefits of working with an independent mortgage broker. Specifically, they will become increasingly aware of how personalized experiences, local expertise and speed to close can positively impact their monthly payment and closing costs. To become an HW+ member, click here. For more information on HW+ benefits, click here. To view past issues of our HW+ exclusive HousingWire Magazine, go here. The post HW+ Member Spotlight: Sarah DeCiantis appeared first on HousingWire. [ad_2] Source link

[ad_1] The post 5 Stocks for an Uncertain Future appeared first on Millennial Money. Uncertainty is part of both life and investing. However, long-term investors keep cool in the face of that uncertainty. They avoid knee-jerk reactions and bet on stocks for the long haul. Warren Buffett said it best: “Be fearful when others are greedy, and greedy when others are fearful.” Of course, Buffett isn’t advocating for true greed. Rather, he’s encouraging investors to notice investing opportunities when others are scared to pursue them.  That’s why we’ve put together this quick list of stocks for an uncertain future. There are certainly a lot of unknowns out there. But that shouldn’t keep long-term investors from looking at the market and picking winners.  Four stocks are on this list because they’ve already weathered specific uncertainties — like the pandemic — very well. And one made the cut because its goal is to battle a big unknown: climate change.  Whatever your risk tolerance, you’ll likely find a few companies on this list that you can add to your portfolio and hold for years to come. No matter what uncertainties lie ahead, you’ll be glad you snatched up the shares when you did.   Top 5 Stocks for an Uncertain Future  Amazon Brookfield Renewable Partners Visa Apple Costco Wholesale Amazon (NASDAQ:AMZN) Amazon (NASDAQ:AMZN) Price: $3372.89 (as of close Dec 30, 2021) Market Cap: $1.711T document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-d2dee20b2c7a390c23f6382b151f9ebb”,{rangeSelector:{selected:1},title:{text:”Amazon (NASDAQ:AMZN)Closing Stock Price”},subtitle: {text: “Historical Data”},navigator: { enabled: false },scrollbar: { enabled: false },credits: { enabled: false },xAxis: { type: “datetime”, labels: { formatter: function() { return Highcharts.dateFormat(“%m %d, %Y”, this.value); }}},colors: [“#118b4e”],rangeSelector : { enabled: false 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“%A, %B %e, %Y”}}]}); }); When the pandemic officially reached the United States in early 2020, lockdowns and social distancing turned most businesses upside down. Even Amazon was temporarily thrown for a loop. But it recovered quickly and has since gone on to prove that even large companies can swiftly adapt to uncertain circumstances.  Instead of just staying the course, Amazon noticed the unique opportunity it has as both the largest online retailer and one of the largest delivery companies in the U.S. In 2020, the company went on a hiring spree, adding more than 400,000 jobs in fulfillment centers, delivery stations, and retail locations.  The company’s recent growth has fueled Amazon’s top and bottom lines even faster than before the pandemic. In turn, that’s caused the company’s share price to more than double the S&P 500’s gains since the . Like every big company, there are plenty of things that Amazon could still improve. But the big takeaway from the past two years is that, during a very uncertain economic time for millions of Americans, Amazon was a massive job creator.  The company’s ability to focus on what it does best during the pandemic helped many people keep their jobs — or get new ones — and also brought impressive gains for the company’s shareholders. Brookfield Renewable Partners (NYSE:BEP) (NYSE:BEPC) Brookfield Renewable Partners L.P. (NYSE:BEP) Price: $35.09 (as of close Dec 30, 2021) Market Cap: $16.607B document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-e08371aec4c0626aa9f3f1d1fc465066”,{rangeSelector:{selected:1},title:{text:”Brookfield Renewable Partners L.P. 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“%A, %B %e, %Y”}}]}); }); Uncertainty comes in many forms. One of the biggest examples of this right now is climate change. Governments and companies around the world are committing more money than ever to decarbonization efforts — to the tune of $100 trillion over the next thirty years.  That’s a staggering figure to wrap your head around. But as more attention is given to climate change, a lot of money is being spent to fight it. And that’s where the renewable energy company Brookfield Renewable Partners comes in. The company has 6,000 renewable energy-generating facilities — with wind, solar, and hydroelectric power — and is using them to fight climate change.  The company estimates that 70% of global greenhouse gas emissions can be traced to power generation in the energy sector. That means changing how power is generated — from fossil fuels to green energy — will have a tremendous impact on cutting greenhouse gas emissions.  Determining exact timelines for climate change scenarios may be difficult. But there’s no denying that a shift to green energy is already well underway. And Brookfield is solidly in the mix of this transition.  For investors who are concerned about greenhouse gas emissions and looking for a company that’s helping to bring about some change, Brookfield could be a good bet.  Visa (NYSE:V) Visa (NYSE:V) Price: $217.87 (as of close Dec 30, 2021) Market Cap: $459.39B document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-0af7e278a0e54a7cd6a8318546a775e3”,{rangeSelector:{selected:1},title:{text:”Visa (NYSE:V)Closing Stock Price”},subtitle: {text: “Historical Data”},navigator: { enabled: false },scrollbar: { enabled: false },credits: { enabled: false },xAxis: { type: “datetime”, labels: { formatter: function() { return Highcharts.dateFormat(“%m %d, %Y”, this.value); }}},colors: [“#118b4e”],rangeSelector : { enabled: false 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“%A, %B %e, %Y”}}]}); }); Financial services are almost always in demand, no matter what’s happening in the world. That’s why payment processing juggernaut Visa is a no-brainer for this stock list.  The company processed nearly 165 billion transactions in fiscal 2021, an impressive 17% spike from the year before. Visa’s massive global reach in the payments space means that, even though financial technology (fintech) is evolving quickly, investors can bet the company won’t be sidelined anytime soon.  Even better, Visa has continued to innovate to keep pace with the shifting fintech market. For example, the company has started using the Ethereum blockchain to make secure and efficient settlement payments for digital currencies.  Visa is already firmly established as a leader in payment processing. So the company should be able to safely tap into the fast-growing cryptocurrency market without all the risks some fintech companies have.  Investors will be happy to hear that Visa’s revenue in fiscal 2021 spiked 10%, while net income jumped 13% and payments volume popped 16%.

[ad_1] Do you have elementary or middle school aged kids who love online gaming? Be sure to check out this HOT Adventure Academy discount on an annual subscription! Psst! You can also get an ABCmouse discount right now! And don’t miss this BIG list of free educational programs available for kids right now. Adventure Academy Annual Subscription Discount As a special New Year’s deal, you can currently get an annual subscription to Adventure Academy for just $45 — which is like paying just $3.75 per month! And since this covers up to 3 children per household, you’ll pay as low as $1.25 per child. (And you’ll lock in the $45 annual price after your first year until you decide to cancel!) This is regularly priced over $150, so this is a HUGE savings of over 70%! It’s like getting seven months for FREE at the regular price. This is the best Adventure Academy discount you’ll find, making this the lowest price on their annual subscription, so definitely take advantage of it! What is Adventure Academy? Adventure Academy is an MMO game created specifically for kids in elementary and middle school. It features thousands of enjoyable learning activities that kids can discover on quests through an interactive virtual world. Developed by the top video gaming designers and crafted by a team of curriculum experts, Adventure Academy is a highly engaging and creative platform that focuses on building critical knowledge and skills in language arts, math, social studies, science, and more! Adventure Academy features thousands of educational learning activities, such as videos, reading experiences, games, quizzes, and many other interactive elements— all within the frameworks of U.S. (and international) curriculum standards. I checked it out and it plays a lot like an adventure game (think Zelda!) but within an educational framework. It’s really cool! Are there any other Adventure Academy discounts? If you’re not ready to commit to a full year or you’re looking to try it for free first, there are of a couple of other great Adventure Academy deals: Sign up for a FREE Adventure Academy 30-day trial. Try two months of Adventure Academy for just $5. With either of these deals, you’ll automatically be billed $12.99 per month after your introductory trial if you wish to continue. So just be sure to cancel before your trial is up if you find that it’s not a good fit for your child. If you’re looking for the best Adventure Academy discount, though, the annual subscription deal is the way to go! Go here to get the lowest price on an annual subscription. [ad_2] Source link

[ad_1] New Year celebrations muted by Omicron, but South Africa offers hope [ad_2] Source link

[ad_1] Samsung’s next high-end Galaxy S phone, aka the Galaxy S22 Ultra, has leaked in full, courtesy Evan Blass (@evleaks). The serial tipster has shared what appears to be an official-looking render of the phone in question showing it off from every perceivable angle. The render confirms that the Galaxy S22 Ultra will come with a Galaxy Note-like design with a silo to house the bundled S-Pen stylus. In tune with the expectations and circulations on the internet, the phone is expected to be more of what has already been speculated about. Initially, there was confusion as to how the camera would be arranged on the back side of the phone however that recently got sorted as the new look shows that each lens has been studded separately on the back of the phone. Among other notable features unveiled in the recent leak of the device are inclusion of an S-Pen and close resemblance with the Note series device. Apart from the design there appear to be other similarities with the Galaxy Note 20 Ultra including the display which looks nearly identical with curved edges on the sides. On the design front, the phone appears to fit into the classic Note series template with a boxy design. However, the camera module is speculated to have got a revamp in this phone. It has also been speculated that the phone has been designed to operate on the Qualcomm Snapdragon 8 Gen 1. However, there are a series of reports that have indicated that the phone in other markets such as India, UK and EU will be made to operate on the Exynos 2200 SoC. Samsung is expected to launch the Galaxy S22 series in February, 2022. [ad_2] Source link

[ad_1] This article is part of our HousingWire 2022 forecast series. After the series wraps early next year, join us on February 8 for the HW+ Virtual 2022 Forecast Event. Bringing together some of the top economists and researchers in housing, the event will provide an in-depth look at the predictions for next year, along with a roundtable discussion on how these insights apply to your business. The event is exclusively for HW+ members, and you can go here to register. At the onset of the Coronavirus pandemic, the mortgage industry was preparing for absolute disaster. Mortgage executives held emergency meetings with their creditors over worst-case scenarios. Banks and non-banks alike discontinued programs, laid off thousands of staffers, raised credit standards for borrowers and buckled up for what they expected would be a very rocky ride. Few in mid-March could have predicted that a perfect storm of ultra-low interest rates, new migration patterns and historic government intervention wouldn’t just save them, but line their pockets with billions of dollars and change their entire trajectory. But many of those elements are fading as the industry heads into 2022. Notably, the Federal Reserve said it would begin tapering its asset purchases starting in November. The central bank is also expected to raise short-term rates in upcoming quarters. “Mortgage lenders and borrowers should expect rising mortgage rates over the next year, as stronger economic growth pushes Treasury yields higher,” said Mike Fratantoni, the chief economist at the Mortgage Bankers Association. Fratantoni’s organization is forecasting mortgage rates to gradually climb over the course of 2022, ending the year at 4%. Those higher rates will force lenders to make major operational changes. Refinancing’s represented nearly two-thirds of mortgage loan originations in the first three quarters of 2021, and total refi volume for the year was projected to reach north of $2.2 trillion, according to the MBA. In 2022, refi origination volume is expected to drop by 62% to about $860 billion. The name of the game in 2022 will be purchase mortgages, which the MBA projects will grow 9% to a record $1.725 trillion. But the boost in purchase business likely won’t be enough to prevent operational contraction: As margins shrink, lenders will likely have to lay off staff and renegotiate compensation. Lenders will have to “manage expenses and improve customer service in a purchase market,” Tom Wind, executive vice president of consumer lending with U.S. Bank Home Mortgage, said at the MBA Annual convention. One of the ways that lenders “manage expenses” has historically been by laying off processors and loan officers. Yearly data compiled by the MBA found that in 2014 and 2018, years with weaker origination volume, the LO turnover rate was 44% and 37%, respective-ly. Meanwhile, in 2020, LO turnover was the lowest in the survey’s history, at 21%, the MBA found. The second-lowest LO turnover rate was in 2003, at 31%. Marina Walsh, vice president of industry analysis at the MBA, said that as production volume slumps and the market shifts toward fewer refinances and more purchase activity, “competition will further stiffen.” “In this environment, lenders can only chase market share for so long before there are substantial consequences to the bottom line,” she said. Industry experts also predict that home inventory will increase in 2022, creating more options for borrowers. “Homebuilders will have more success overcoming current building material shortages and should be able to increase the pace of construction to meet the sizable demand for buying,” Fratantoni said. He added, “More newly built homes and more home-owners listing their homes for sale should lead to some deceleration in home-price growth next year. This is good news for the many would-be buyers who are currently priced out or delaying decisions because of low supply conditions and steep home-price appreciation.” Moreover, Walsh predicts that in a purchase-heavy market lenders will turn “more heavily to their servicing business to achieve financial goals.” “Higher mortgage rates mean fewer prepayments and a longer revenue stream of servicing fees combined with higher mortgage servicing right valuations,” Walsh said. “However, the servicing outlook is more complicated today, with the expiration of many COVID-19-related forbearances and the need to place borrowers into post-forbearance workouts. “Servicing costs may rise as servicers work to meet the needs and requirements of borrowers, investors and regulators,” she added. Lenders and servicers will also need to be mindful of the new regulatory climate under the Biden administration. In October, Rohit Chopra took over as director of the Consumer Finance Protection Bureau. He appeared in front of Congress a few weeks later and testified that the CFPB would be looking closely at mortgage servicing, monitoring the mortgage market and making sure that “firms can’t dodge fair lending laws and anti-discrimination laws under the guise of their secret algorithm.” “I am very worried about black-box algorithms that have no accountability for how decisions are made,” Chopra told the House Financial Services Committee. Chopra has also beefed up the agency’s enforcement division and partnered with two other regulators to target lenders engaging in what was termed by the government as “modern-day redlining.” The three agencies announced a settlement with a Mississippi-based lender who allegedly engaged in the discriminatory practice, and promised that more will follow. This article was first featured in the Dec/Jan HousingWire Magazine issue. To read the full issue, go here. The post Originators gear up for the purchase market appeared first on HousingWire. [ad_2] Source link

[ad_1] Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. One of the best things about writing this weekly markets column is that I’m creating a timestamped catalogue of meaningful events. It’s a diary of the markets. And this week, as the year 2021 came to a close, I’m looking at the major stories of the year from my columns—and they are likely to still make an imprint on 2022.  This was the first full year of the pandemic. It’s incredible that almost two years ago, I offered how to prepare your portfolio for the coronavirus outbreak on my own website. It was not yet labelled a pandemic, and the virus had yet to be called COVID-19. It shows the stock market performance during the 12 previous modern-day outbreaks since 1980, starting with the HIV/AIDS pandemic. What’s incredible about the post is that it shows how stocks reacted during the first modern pandemic and set records for performance during a viral outbreak. From the start of the pandemic in March 2020, U.S. stocks delivered more than 60%, while Canadian stocks offered a return near 40%.  Who would have thought a global pandemic would’ve been the best thing that could happen to stocks?  Inflation, we hardly know you  Inflation became a serious concern the week of January 18. Commodities were put on the table as the big, obvious inflation hedge.  In that column, we were also bullish on natural gas. Traditional oil producers were also put on the table as investment thesis. Both ideas played out in spades.  “The oil sector will benefit greatly upon successful vaccine delivery. There is incredible pent-up demand for travel by ground and air. More may hop in their cars and head back to work at their office locations. But, as we touched on last week, successful vaccine delivery is the wild card in 2021.” Natural gas prices surged throughout 2021. The energy sector was the best performing sector in 2021.  Supply chain February blahs  I wrote about supply chain issues in early February. That risk and threat played out, contributing greatly to the ongoing and surging inflation.  “More widespread, pent-up demand for goods and services could stoke inflation. While many in the retail sector were crushed in 2020, others who are more affluent were not affected as much or at all by the pandemic. They are flush with cash as they had fewer places to spend in 2020. Spending might be unleashed.” The continued dominance of big tech in the U.S.  If you did not own any big, OK, make that monster tech companies in the U.S., you likely underperformed the market to a great degree.  It was real earnings growth—and real revenue growth—that surprised market makers and drove the markets to new highs. Yes, U.S. stocks and U.S. big tech are expensive. But that’s where they keep the growth.  Tech has become utility-like. We depend on these companies and products to navigate our lives in almost every way.  The vaccine roll-out  It was in early March, a year after the initial shutdowns in North America, when we were first hoping for a successful vaccine rollout in the U.S.  “It appears to be a game of cat and mouse—one the markets are still trying to figure this out. A stronger economy is good, right? Well no, wait a minute, that economic growth might eventually lead to higher inflation and higher bond yields that hurt stocks. Inflation is scary and real—and lasting inflation, we hardly know ya. It’s been a while since we’ve seen real inflation. That is a U.S. link, but Canada largely will follow those trends.”  Yikes, but Jerome Powell and the U.S., The Federal Reserve got it wrong. They got it so bad. This quote is from Powell:  “We may see prices moving up, but not staying up. We see global disinflationary pressures and they are not going to go away overnight.”  Powell eventually caved on that transitory inflation theme.  Once again, oil and why it was a very good investment opportunity were given perspective in that column: “And with greater and real economic growth comes the greater demand for oil and other commodities. That has been a constant theme mentioned and tracked in this space and, to illustrate, iShares Capped Energy Index ETF XEG is up 29% year-to-date.” And then looking at the greater economic reopening, I wrote about how Arthur Salzer of Northland Wealth Management gave some thoughts that outperformed to a great degree.  “… value stocks should begin to perform better after posting dismal numbers since 2011. In general, value stocks such as banks have been lagging due to the negative interest rate environment globally, with North American banks doing slightly better than their European counterparts. There are also opportunities in commodities, which have likewise been weak, since the excess supplies created a decade ago, which caused mines and plants to shut down, have been used up. Gold and especially what is becoming digital gold, bitcoin, may continue to do well this decade.” You can check the returns of those assets. Some very good calls. Gold did lag, as it has largely been replaced by “digital gold”—bitcoin.  The rise of the retail investor  Retail investors became a true force in 2021, moving the market and supporting the market. They showed up to buy the dip in the markets with regularity.  In that column Jamie Dimon, the CEO of JPMorgan Chase & Co said:  “ ‘I have little doubt that with excess savings, new stimulus savings, huge deficit spending, more QE [quantitative easing], a new potential infrastructure bill, a successful vaccine and euphoria around the end of the pandemic, the U.S. economy will likely boom,’ the JPMorgan Chase & Co. chief executive officer said Wednesday in his annual letter to shareholders. ‘This boom could easily run into 2023’.” My favourite column of the year  The column that takes the cake for me in 2021 was the one about David Bowie making an appearance