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[ad_1] Add some fun games to your collection with this big sale! Right now, Zulily is offering up to 40% off games for the family! Plus, when you buy any three items on Zulily today, you will save an extra 15% off at checkout. There are lots of fun and unique games in this sale. Shipping starts at $5.99. But if you place one order today, the rest of your orders will ship for FREE through 11:59 p.m. PT tonight! [ad_2] Source link

[ad_1] Turkey curbs flights to Belarus to ease migrant crisis [ad_2] Source link

[ad_1] There was a 63% growth in revenue from the industrial business driven by supply of forged aluminium cylinders used for delivering medical grade oxygen. This product developed and manufactured in three months brought in an additional revenue of Rs 69 crore, the company said. [ad_2] Source link

[ad_1] A National Association of Realtors (NAR) committee head recommended Friday that the federal standards governing real estate appraisals loosen up. Namely, appraisers should no longer have to partake in a two-year apprentice program as part of their licensing process. Francois Gregoire, an appraiser in St. Petersburg, Florida, and head of NAR’s Real Property Valuation Committee, pointed specifically to the apprentice training requirement – no comparable requirement exists for real estate agents – as the reason no one is joining a depleted profession in the crosshairs for allegedly racially biased appraisals. Gregoire also said his committee is “actively working” with the NAACP and Urban Institute to address biased appraisals that widen the home valuation gap. The longtime appraiser seeks buy-in from the Appraisal Foundation, the Washington D.C. group federally empowered to administer national appraisal standards. Gregoire’s pointed suggestion came amid a Friday at NAR’s annual conference that took on racism in real estate. The meeting, physically and virtually, of hundreds of thousands of real estate agents, is an almost overwhelming affair. Taking place in the cavernous San Diego convention center and sprawled out to an adjoining hotel, the conference jams together 200 sessions total. Topics range from the overlap of blockchain and real estate to mental wellness for real estate professionals. Sessions on matters like “Federal issues in real estate” (more on that shortly) were standing room only affairs, and lines snaked yards for use of convention center escalators. Still, NAR President Charlie Oppler perhaps set the tone in remarks Friday morning focused upon the racial home ownership gap. White home ownership in the U.S. is about 70%, according to U.S. Census Bureau figures, while the Black homeownership rate is 44% and the Hispanic rate 49% The trade group leader, who is also president of a Sotheby’s International Realty franchise in New Jersey, noted that last year NAR apologized for the first time in “creating systemic housing discrimination” through the decades-long support of real estate and lending practices such as redlining. “We were wrong,” Oppler said. “We’ve got to move forward and do things and we are doing that.” So, what is NAR doing? The post NAR says it’s doing what it can on housing discrimination appeared first on HousingWire. [ad_2] Source link

[ad_1] In this week’s episode of the Crystal Paine Show, Jesse and I share some of the lessons we’ve learned in our almost 19 years of marriage on how fight less and communicate with more grace and depth. We talk about practical strategies, personal development and growth, and how to approach difficult conversations that could potentially lead to conflict and misunderstanding. We also share some family updates — especially about Baby D’s upcoming surgery — and then we talk about what we’ve been reading, a program Jesse has been doing to keep him accountable to health goals, a teeth whitening kit I’ve been loving, and more! In This Episode [00:34] – Today we’re talking about How We (mostly) Stopped Arguing [02:45] – This is a big week for us as it’s Baby D’s big cleft palate surgery. [09:06] – Jesse shares about what’s helping him stay more accountable to health goals. [13:32] – There are seasons for really big audacious goals. And there are seasons for just, well those little nudge goals. So figuring out which season you are in and what’s going to be best for you. [14:57] – A teeth whitening kit I’ve been loving! [17:21] – We share about books we’ve been reading. [19:44] – Let’s talk about how we’ve stopped arguing — most of the time! [21:50] – The biggest thing that has helped us is changing our perspective of God and His love for us! Oftentimes, we can get frustrated with our spouse because we expect them to give us something that only God can give. [23:55] – If you don’t believe you are fully loved by God, it’s hard to believe you are loved by others. [25:28] – If you’ve pre-decided what your spouse, what your kids, what your co-workers, what your community, your friends, believe about you, you won’t be able to really hear what they are saying. [26:24] – We come from very different perspectives and we process the world very differently. Learning to see this as a gift has helped our communication in a big way. [30:57] – Changing the way we approach conflict, hurt, and misunderstandings makes such a difference in allowing our conversations to be productive versus full of tense and frustration. [32:23] – I think another thing that’s been really, really helpful for us, is just prioritizing romance and fun. Don’t forget what drew you together in the first place. Links & Resources Books Finish by John AcuffA Surrendered Yes: 52 Devotions to Let Go and Live Free by Rebekah LyonsImagination Station, Series Special Mentions 75 Hard SugarWOD, fitness app Lumineux, Oral Essentials Other Links 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

[ad_1] U.S. entrepreneur who flew to space with actor William Shatner dies in plane crash [ad_2] Source link

[ad_1] With Q1FY22 witnessing significantly higher data usage during the lockdown, the sequential data volume growth remained moderate at 0.4%. On a year-on-year basis, data volumes witnessed strong growth of 27.1%. Data usage per 4G subscriber is now at 14,809 MB against 15,081 MB in Q1FY22. [ad_2] Source link

[ad_1] Each week, Cut the Crap Investing founder Dale Roberts shares financial headlines and offers context for Canadian investors. Cyclical stocks may be ready for liftoff  Cyclical stocks are priced similarly to the 1960s, early 1980s, early 1990s and early 2000s, according to Jim Paulsen, strategist at Leuthold Group. Those were periods that signalled the beginning of major bull market runs. He adds a bit of hyperbole perhaps suggesting that cyclical stocks may turn manic. But who knows? Perhaps there is some opportunity in the suggestion.  Now, what are cyclical stocks? Here is a very good post on The Motley Fool (an investment newsletter), breaking down the categories of cyclical and non-cyclical stocks.  “A cyclical stock is one whose underlying business generally follows the economic cycle of expansion and recession. Cyclical businesses perform well during economic expansions but typically experience significantly declining sales and profits during recessions and other challenging economic times.” The growth of a cyclical stock or cyclical sector depends on the business cycle. More specifically, these types of stocks need a robust and growing economy. Cyclical sectors include financials, industrials, consumer discretionary, energy, materials and commodities. That Motley Fool post does a good job of breaking down the sectors and it provides a few examples of sub-categories and stocks within those categories.  This post from RBC breaks down the types of stocks that work well in different parts of recessions and recovery periods through a full economic cycle.  Investing in cyclical stocks may carry more risk due to a dependence on continued robust economic growth. Rallies in cyclical stocks can be more short-lived and are prone to falter at the first hint of a recession or earnings slowdown.  If one were to choose to add to (or overweight) cyclical stocks or sector funds, impeccable timing is required. You would have to strategize when you enter and exit. Of course, most investment commentators suggest that market timing is next to impossible.  That said, patience might be the “cure” for timing on the “when to buy” side of the equation. You might be in early, and there may be many bumps along the road. You may have found some great long-term value, but you’ll have to wait it out.  On valuation and from that Seeking Alpha post: “With cyclicals underperforming since March of this year, when treasury yields hit their highs, ‘investors have the opportunity to buy cyclicals priced similarly to where they were priced, historically, in the midst of many post-war recessions,’ Paulsen adds. “As this analysis demonstrates, the excessive cheapness of cyclical stocks, currently, may be the most compelling gauge of future performance.” I suggest that the “when to sell” part is quite easy. If those market-beating returns do show up, sell in stages and perhaps the stock sale proceeds take you back to your stock-to-bond (risk level) allocation. You’d move the monies to bonds or other risk-off assets. Or perhaps your cyclical profits are moved to more defensive stock sectors.  Traditional value investing will often involve buying into cyclical economic sectors. And given that the U.S. tech giants have powered the current stock market rally—and as we discussed again last week they are certainly expensive—investors and fund managers are looking for greater value and opportunity.  But value investing is not exclusive to cyclicals. Often, you can find value in any sector on a stock-by-stock basis. From the healthcare sector, a very defensive and non-cyclical sector, I hold CVS Health Corporation (CVS). The forward P/E ratio is 11.67 compared to 21.3 for the S&P 500, according to Seeking Alpha. A lower P/E ratio means you’re buying a stock or fund with greater current earnings. I have no problem adding money to that stock and a few others that appear (to my eye anyways) to offer greater current earnings and solid long term growth prospects.  You could also seek out a value fund or find that greater value in a dividend-focused fund. A U.S. investor might even look to “cheaper” Canadian markets or other international markets.  Back to those U.S. cyclicals: The pandemic has distorted business cycles and sector behaviour and how we might categorize stocks. From this TD America post, Investing in Cyclical Stocks: Has the Pandemic Changed the Outlook?  “‘Compared to the overall stock market, cyclicals are in a position similar to where they were at the start of several past major bull-market runs: the early 1960s, early 1980s, early 1990s, and early 2000s,’ he writes in a note. COVID-19 has thrown some of these strategies into confusion, partly because the cycles have become so hard to identify. In May and June 2021, it appeared that the United States was winning the war on the pandemic through vaccinations, and the economy was ready to enter a long recovery phase. Then by August it became clear the Delta variant could be a huge challenge to a complete reopening, and some investors returned to ‘growth’ sectors like technology that initially carried the market in the early days of the pandemic.” And the market-leading technology companies may have nudged their way into that secular recovery space. Also from that TD piece:  “‘As the economy shifted to being more services driven, a lot of services are enabled by technology,’” Cruz explained. ‘So, to perform well in an economy directed by the service sector, tech companies with solutions will be in a good spot to help a service-led business.’” The pandemic is still the wild card of the deck. It’s shaped our behaviours. And perhaps we are changed forever because of it. And our world adjusts, so does our definition of certain sectors and they might not perform in certain economic conditions. It’s not a complete rewrite of sector performance, but it appears that some editing is required.  More on the evolving sector theme, Goldmans Sachs has released a series of ETFs, including the future consumer, future healthcare, future real estate, future tech leaders, and a future planet ETF that invests in the drive for a greener planet.  This might

[ad_1] With mortgage interest rates hovering at record low levels, there’s never been a better time to refinance than right now. There’s also never been more options as to where and when to refinance your mortgage. There are hundreds of mortgage lenders operating nationwide, most providing their services online. The large number of mortgage lenders is a complete win for you as a homeowner. If you want to refinance, you’ll have dozens of lending options to choose from. That will give you an opportunity to choose the lender with the best combination of a low rate, low closing costs, and fast, efficient service. #ap21747-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap21747-ww #ap21747-ww-indicator{text-align:right}#ap21747-ww #ap21747-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap21747-ww #ap21747-ww-indicator-wrapper:hover #ap21747-ww-text{display:block}#ap21747-ww #ap21747-ww-indicator-wrapper:hover #ap21747-ww-label{display:none}#ap21747-ww #ap21747-ww-text{margin:auto 3px auto auto}#ap21747-ww #ap21747-ww-label{margin-left:4px;margin-right:3px}#ap21747-ww #ap21747-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;cursor:pointer}#ap21747-ww #ap21747-ww-icon img{vertical-align:middle;width:15px}#ap21747-ww #ap21747-ww-text-bottom{margin:5px}#ap21747-ww #ap21747-ww-text{display:none}#ap21747-ww #ap21747-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap21747-w-map{max-width:600px;margin:20px auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap21747-w-map #ap21747-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap21747-w-map #ap21747-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap21747-w-map #ap21747-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap21747-w-map #ap21747-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap21747-w-map #ap21747-w-map-map svg{position:absolute;left:0;top:0}#ap21747-w-map #ap21747-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}#ap21747-w-map #ap21747-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap21747-w-map #ap21747-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}#ap21747-w-map #ap21747-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap21747-w-map #ap21747-w-map-map svg g .ap00646-w-map-state{display:none}#ap21747-w-map #ap21747-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap21747-w-map #ap21747-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap21747-w-map #ap21747-w-map-map svg g:hover{cursor:pointer}#ap21747-w-map #ap21747-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap21747-w-map #ap21747-w-map-map svg g:hover text{fill:#fff}#ap21747-w-map #ap21747-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap21747-w-map #ap21747-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}#ap21747-w-map #ap21747-w-map-btn:hover{color:#fff;background-color:#508fc9} A lower rate could translate to lower payments, which means you’ll pay less for your home overall. Select your state to see how much money you can save. HawaiiAlaskaFloridaSouth CarolinaGeorgiaAlabamaNorth CarolinaTennesseeRIRhode IslandCTConnecticutMAMassachusettsMaineNHNew HampshireVTVermontNew YorkNJNew JerseyDEDelawareMDMarylandWest VirginiaOhioMichiganArizonaNevadaUtahColoradoNew MexicoSouth DakotaIowaIndianaIllinoisMinnesotaWisconsinMissouriLouisianaVirginiaDCWashington DCIdahoCaliforniaNorth DakotaWashingtonOregonMontanaWyomingNebraskaKansasOklahomaPennsylvaniaKentuckyMississippiArkansasTexas Refinance My Mortgage Today’s Current Mortgage Rates  How to Compare Mortgage Rates On the surface, comparing mortgage rates is a simple process. All you need to do is go online and see what rates are being offered by lenders. Easy enough, right? Well, it may not be quite that simple. In an effort to be as competitive as possible, mortgage lenders advertise the lowest rates they’ll charge to the most qualified borrowers. Unfortunately, that may not be you. Most qualified refers to borrowers with excellent credit, very low debt-to-income ratios, and taking larger loans that do not exceed 80% of the value of their homes. If you depart from any of the above criteria – even a little – you may not qualify for those best rates advertised. If not, it isn’t a major problem. It simply means you may need to dig a little bit deeper in getting a mortgage quote. For example, rather than just accepting published interest rates at face value, you may need to complete some sort of preliminary application. That will include indicating the loan amount you intend to borrow, the value of your home, your estimated credit score range, your income, and non-housing debts. The application may also ask if you’ve filed for bankruptcy or foreclosure within the past seven years, if you have any outstanding judgments or tax liens, or if you’re required to pay alimony or child support. Though the information requested can seem invasive, the more you provide, the more accurate your loan quote will be. This is also the time to understand that there’s a difference between getting a loan quote and getting a pre-approval. If you’re just looking for rate estimates, all you’ll need is a loan quote. But you won’t need a preapproval until you settle on a lender. You can choose a lender based on having the best interest rate and closing costs for your financial profile, then make an application for pre-approval, or even go directly to a full mortgage application. With today’s emphasis on online applications, getting rate quotes and completing an application has never been easier. Where Do I Compare Mortgage Rates? One of the best ways to compare mortgage rates is by using a mortgage aggregator site. Examples include LendingTree. But those sites will provide you with only a “high altitude” view of what’s available. If you want more accurate quotes, you can get them by going to direct lender sites. Recommended examples include the following: Quicken Loans Quicken Loans has rapidly grown to become America’s largest mortgage loan originator. Though Quicken Loans has been around for a while, they’re perhaps best known for their online portal, Rocket Mortgage. The two companies are one and the same. They provide all types of mortgages, including conventional, Jumbo, FHA and VA loans. Financing is available for both purchases and refinances, and with both fixed rates and adjustable-rate mortgages (ARMs). The entire loan application can be completed online. The application process is sped up by the fact that the company is often able to instantly verify employment and income with major employers. The main disadvantage with Quicken Loans is that they don’t offer secondary financing, like home equity loans or home equity lines of credit (HELOCs). Better Better began operating in 2014 and is another all-online mortgage lender. Much like Quicken Loans, they also offer conventional, Jumbo, and FHA (but not VA) mortgages. Those loans are available as both fixed rate and ARMs. And again, like Quicken, they don’t offer secondary financing. But where Better differs from Quicken Loans is that they can offer financing from any one of 17 of the top mortgage providers in the country. That said, Better is an approved Fannie Mae seller/servicer, which means Better will service your loan even though it’s funded by another lender. (However, as is typical with mortgages, your loan may be transferred to other servicers in the future.) When you make an application on the website, you can receive a pre-approval letter in as little as 24 hours. Better currently lends in 46 of the 50 states. They currently do not lend in Hawaii, Massachusetts, New Hampshire, or Nevada. Guild Guild is one of the better-established online lenders, having launched operations way back in 1960. Based in San Diego, the company provides conventional, Jumbo, FHA, VA, and even USDA loans (for rural properties). Both fixed rates and ARMs are offered. And much like the other lenders on this list, they do not offer secondary

[ad_1] The post 7 Best Climate Change Stocks to Buy Right Now appeared first on Millennial Money. These companies are fighting climate change — and could end up being good long-term investments as well.  If you’re concerned about climate change, stock investing might not seem like an obvious solution. But thousands of companies around the world are helping to improve the environment — and some of them also happen to be publicly traded.  This creates an opportunity for investors interested in buying stocks that tackle the effects of climate change — and trust me, it’s a huge opportunity.  The energy company Brookfield Renewable Partners, which I’ll talk more about later, estimates that decarbonization spending will surpass $100 trillion over the next thirty years.  Even if you’re less inclined to believe the worst-case scenarios for climate change, it’s difficult to overlook the amount of time and money governments around the world are spending to address this issue. To find some of the best companies — and potentially good investments — that are focusing their efforts to fight climate change, take a look at the seven companies below.  Betterment Varies Betterment can help grow your money by making saving and investing easy. Invest in a tailored portfolio, set buckets for your goals, and earn rewards. Get Started 7 Best Climate Change Stocks: Energy Recovery  Brookfield Renewable Partners  First Solar  Microsoft  Generac Holdings Ford Motor Co. NextEra Energy  1. Energy Recovery (NASDAQ: ERII) Energy Recovery (NASDAQ:ERII) Price: $22.44 (as of close Nov 11, 2021) Market Cap: $1.282B document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-3c18b2df9c8ed5420738c5a2843b1ff2”,{rangeSelector:{selected:1},title:{text:”Energy Recovery (NASDAQ:ERII)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”}}]}); }); Along with rising global temperatures, environmental scientists are concerned about climate change’s negative impact on the worldwide water supply. Factor in industrialization and population growth, and the United Nations estimates that there will be a 30% increase in demand for water by 2050.  Although more than 70% of the Earth’s surface is water, there’s a problem: Less than 1% of it is fit to drink. Desalination turns salty seawater into drinkable fresh water. But the process takes a huge environmental toll.  Desalination requires a lot of energy. And most desalination plants depend on fossil fuels to run. Energy Recovery is helping to solve this problem with products that make the seawater desalination process more efficient and environmentally sustainable. The company’s pressure exchange technology reduces energy consumption for desalination systems by up to 60% and doesn’t emit any emissions when operating.  The Middle East is Energy Recovery’s most active market right now. But the company recently reports that it sees huge opportunities in China, too. The Chinese government’s new environmental action plan calls for a 75% increase in desalination capacity.  Energy Recovery’s total revenue fell 24% in the first half of 2021 due to a licensing agreement that has now ended. But investors may want to focus more on the company’s product revenue segment, which surged 30% over the same period.  Energy Recovery’s share price has been a bit erratic over the past six months. But if you zoom out over the past three years, you’ll see that its stock has spiked 144%.  There’s no guarantee the stock will continue to post similar returns. But climate change investors looking for a long-term water desalination play may want to put Energy Recovery on their list. 2. Brookfield Renewable Partners (NYSE: BEP)(NYSE: BEPC) Brookfield Renewable Partners L.P. (NYSE:BEP) Price: $38.53 (as of close Nov 11, 2021) Market Cap: $18.228B document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-ffeaa1303e1298d0b4fa9f4b5ea5993d”,{rangeSelector:{selected:1},title:{text:”Brookfield Renewable Partners L.P. 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“%A, %B %e, %Y”}}]}); }); As I mentioned earlier, Brookfield estimates that over the next three decades, companies and governments worldwide will spend more than $100 trillion to reach their decarbonization goals.  First of all, that’s a ton of money being spent to fight climate change. And secondly, this spending opens up lots of opportunities for Brookfield and other energy companies.  According to the company, “2020 saw increasing momentum among some of the largest carbon-emitting governments to adopt ambitious climate plans and targets.”  All of this is good news for Brookfield, which has its hands in a number of renewable energy sources, including hydroelectric — its largest group of energy assets — wind, and solar plants, as well as energy storage. In total, the company has more than 6,000 renewable energy-generating facilities.  Why is it so important for Brookfield and other energy companies to focus their attention on renewables? Because the company says that over 70% of global greenhouse gas emissions can be traced back to the power generation and energy sector.  The company’s renewable energy facilities are already having a tremendously positive impact on the environment, reducing 56 million tons of CO2 equivalent (CO2e) emissions each year.  3. First Solar (NASDAQ: FSLR) First Solar (NASDAQ:FSLR) Price: $113.6 (as of close Nov 11, 2021) Market Cap: $12.079B document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-11226ef5953065c8de88d6374ea8564e”,{rangeSelector:{selected:1},title:{text:”First Solar (NASDAQ:FSLR)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”}}]}); }); First Solar has been in the solar panel-making business for more than two decades. The company’s innovative approach to panel manufacturing has made the company a leader in this space. First Solar hasn’t exactly had it easy in the solar market over the past few years. Lower-priced solar panels coming from China have weighed down the company. But First Solar is answering that problem with a massive increase in production capacity.  The company recently said that it will spend more than $1