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[ad_1] U.S. lawmaker to issue subpoenas to oil firms for documents on climate [ad_2] Source link

[ad_1] With higher ethanol production capacity and continued surplus sugarcane, a larger quantity of cane juice/syrup and B-molasses will get diverted to ethanol in the 2021-22 season ISMA has said. [ad_2] Source link

[ad_1] Realogy CEO Ryan Schneider Realogy made a profit for the fifth straight quarter. But the brokerage conglomerate faces questions about how its business is diversifying especially amid a slightly cooler housing market. The company behind Coldwell Banker, Century 21, Better Homes and Gardens, Sotheby’s Realty and Corcoran reported $114 million in third quarter net income Thursday. That compares to a $98 million net gain in the third quarter of 2020 and $149 million net income in Q2. Realogy has made $296 million in the first nine months of 2021. The Madison, New Jersey-based business reported $2.19 billion in revenue. But that figure includes the full commission of each home transaction that is completed by a Realogy agent. For the average home sale, roughly 78% of the commission stays with the Realogy agent with the remaining 22% kept with the company. So, once the agent’s commission cut and “other related expenses” are subtracted, Realogy posted $881 million in quarterly revenue. The vast majority of Realogy’s operations are tied to sales commissions, service fees from title insurance and fees collected from franchise affiliates that use one of the Realogy brand-names. However, the topics de jour on the earnings call were Realogy’s version of instant homebuying – called RealSure, and the company’s mortgage joint venture with Guaranteed Rate. This content is exclusively for HW+ members. Start an HW+ Membership now for less than $1 a day. Your HW+ Membership includes: Unlimited access to HW+ articles and analysis Exclusive access to the HW+ Slack community and virtual events HousingWire Magazine delivered to your home or office Become a member today Already a member? log in The post Another profitable quarter for Realogy, but what’s next? appeared first on HousingWire. [ad_2] Source link

[ad_1] The cost of real estate has surged dramatically over the last decade, but especially over the last 12 months. In fact, a recent report from the National Association of Realtors showed the median existing-home sales price rose at a year-over-year pace of 17.8% from August 2020 to August 2021. If you’ve been sitting on the sidelines and waiting until you can afford the home you want, rising real estate prices can seem particularly troubling. You might also be rethinking your strategy and goals, or trying to figure out whether you can spend more than you originally thought. You probably have dozens of questions swirling through your head as well. For example: How much can I afford for a house? Also, how much will a mortgage company actually lend me? Unfortunately, what the mortgage company says and what you can comfortably afford aren’t always the same. This guide aims to explain how to figure out how much house you can actually afford, and not just what the mortgage company says. If you’re ready to dive into the real estate market before prices head to the moon, read on to learn more. #ap27243-ww{padding-top:20px;position:relative;text-align:center;font-size:12px;font-family:Lato,Arial,sans-serif}#ap27243-ww #ap27243-ww-indicator{text-align:right}#ap27243-ww #ap27243-ww-indicator-wrapper{display:inline-flex;align-items:center;justify-content:flex-end}#ap27243-ww #ap27243-ww-indicator-wrapper:hover #ap27243-ww-text{display:block}#ap27243-ww #ap27243-ww-indicator-wrapper:hover #ap27243-ww-label{display:none}#ap27243-ww #ap27243-ww-text{margin:auto 3px auto auto}#ap27243-ww #ap27243-ww-label{margin-left:4px;margin-right:3px}#ap27243-ww #ap27243-ww-icon{margin:auto;padding:1px;display:inline-block;width:15px;cursor:pointer}#ap27243-ww #ap27243-ww-icon img{vertical-align:middle;width:15px}#ap27243-ww #ap27243-ww-text-bottom{margin:5px}#ap27243-ww #ap27243-ww-text{display:none}#ap27243-ww #ap27243-ww-icon img{text-indent:-9999px;color:transparent} Ads by Money. We may be compensated if you click this ad.Ad #ap27243-w-map{max-width:600px;margin:20px auto;text-align:center;font-family:”Lato”, Arial, Roboto, sans-serif}#ap27243-w-map #ap27243-w-map-title{color:#212529;font-size:18px;font-weight:700;line-height:27px}#ap27243-w-map #ap27243-w-map-subtitle{color:#9b9b9b;font-size:16px;font-style:italic;line-height:24px}#ap27243-w-map #ap27243-w-disclosure{margin-top:10px;font-size:12px;color:#9b9b9b}#ap27243-w-map #ap27243-w-map-map{max-width:98%;width:100%;height:0;padding-bottom:65%;margin-bottom:20px;position:relative}#ap27243-w-map #ap27243-w-map-map svg{position:absolute;left:0;top:0}#ap27243-w-map #ap27243-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}#ap27243-w-map #ap27243-w-map-map svg path:hover{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9;cursor:pointer}#ap27243-w-map #ap27243-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}#ap27243-w-map #ap27243-w-map-map svg g text{fill:#000;text-anchor:middle;font:10px Arial;transition:fill 0.6s ease-in}#ap27243-w-map #ap27243-w-map-map svg g .ap00646-w-map-state{display:none}#ap27243-w-map #ap27243-w-map-map svg g .ap00646-w-map-state rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap27243-w-map #ap27243-w-map-map svg g .ap00646-w-map-state text{fill:#fff;font:19px Arial;font-weight:bold}#ap27243-w-map #ap27243-w-map-map svg g:hover{cursor:pointer}#ap27243-w-map #ap27243-w-map-map svg g:hover rect{stroke:#1261C9;stroke-width:2px;stroke-linejoin:round;fill:#1261C9}#ap27243-w-map #ap27243-w-map-map svg g:hover text{fill:#fff}#ap27243-w-map #ap27243-w-map-map svg g:hover .ap00646-w-map-state{display:initial}#ap27243-w-map #ap27243-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}#ap27243-w-map #ap27243-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! How Lenders Decide How Much Home You Can Afford When you apply for a mortgage so you can purchase a home, lenders look at an array of important factors including your credit score, your income, and your other debts. They also use a specific metric known as debt-to-income ratio (DTI) to gauge how much they can reasonably lend you. Debt-to-income ratio (DTI) may sound like a fancy term, but it’s really nothing more than your monthly expenses compared to your monthly gross income. You can determine your DTI by dividing your monthly debts by your gross monthly income.  For example, someone with a gross monthly income of $10,000 and monthly expenses of $3,500 would have a debt-to-income ratio of 35%. The calculation used to reach this figure looks like this: $3,500 / $10,000 = 0.35% Enter a general rule known as the “29/41 rule.” Generally speaking, mortgage lenders want to ensure your overall debt-to-income ratio is no more than 41%, and that your housing payment makes up no more than 29% of that amount.  With a gross monthly income of $10,000 (or $120,000 per year), your mortgage payment (including principal, interest, taxes and insurance) should be no more than $2,900, while your total debts combined should cost you no more than $4,100 per month. If you earn half of that, or $5,000 per month, your mortgage payment (including principal, interest, taxes and insurance) should be no more than $1,450, while your total debts combined should cost you no more than $2,050 per month. Which debts count as “other debts?”  This metric can include any debts you have to pay each month, but is usually made up of car payments, payments on credit cards, student loans, and more. With all this being said, you should note that the 29/41 rule is just a general rule of thumb. Some lenders may let you borrow slightly more or slightly less, and some types of home loans (VA loans, FHA loans, etc.) come with different requirements.  Other Home Affordability Factors Now that you know what lenders will look at, you should dive deeply into other factors that can impact how much you can (and really should) borrow. The following details are worth considering as you begin searching for a new home and a new home loan to go with it. Down Payment Your down payment can have a significant impact on the amount of money you can borrow for a home. Obviously, having a larger down payment can help you borrow more since it frees up space in your DTI, whereas a smaller down payment for your home means you can borrow less. Most experts suggest putting down at least 20% on your new home, and for more reasons than one. First, having a down payment of 20% can help you avoid a situation where you’re “underwater” on your mortgage if housing prices go down. Second, putting down 20% or more helps you avoid paying private mortgage insurance (PMI) on your home loan. With a down payment of less than 20%, the PMI you pay typically tacks on another .5% to 1% on your mortgage payment until you have sufficient equity to drop private mortgage insurance. This is money down the drain, but the added costs can also impact the amount of the home loan you’re eligible for. Mortgage Interest Rates Another huge factor that impacts home affordability is the interest rate on your mortgage, but this is one area where you have a tremendous advantage right now. Mortgage rates are nearing record lows, and paying less interest each month means you can afford to borrow more money upfront. How do mortgage interest rates affect your housing payment? Consider this example, which only looks at the principal and interest components of a loan (excluding other costs like property taxes and

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[ad_1] Telecom Italia to explore options for assets after fresh guidance cut [ad_2] Source link

[ad_1] NS Rajan, managing director, August One Partners LLP, would also continue as vice-chairman of the board [ad_2] Source link

[ad_1] Sony now uses PlayStation PC label for its PC games  The Verge Everything Shown Today At Sony’s October State of Play For PS4, PS5  Kotaku PS Plus Free Games For November: First Class Trouble Confirmed  GameSpot A closer look at Little Devil Inside’s world map  PlayStation.Blog I’ve no idea what Little Devil Inside is about – but I can’t wait for it  Techradar View Full Coverage on Google News [ad_2]

[ad_1] If we’ve learned anything from the pandemic, it’s that things can change quickly. In 2019, travel was a major spending category for Canadians. But in 2020, we were grounded by the COVID-19 pandemic. So, it’s understandable if earning travel rewards aren’t at the top of your priority list. At the same time, you might not want to give up your travel goals entirely. Enter travel card alternatives—credit cards with travel benefits and features that are also useful for other types of spending. In this article, we’ll look at some of the variables to consider when choosing a travel-alt card, using the HSBC line of credit cards as an example.  What is a travel-alt credit card? Travel credit card alternatives, or travel-alt credit cards, are cards that offer rewards on travel spending and on other things, too. Traditional travel credit cards (with earning capabilities and rewards toward flights, hotels, cruises, car rentals and experiences like tours) are very popular in Canada. But, after 18 months of prohibited or intermittent travel, the utility of these cards is obviously diminishing. Enter travel-alt credit cards. With these cards, you can collect rewards by spending on travel or non-travel items and enjoy flexible redemptions. You’re not locked into how you use or redeem your card. Travel-alt credit cards are a solid option for those who want to be able to redeem for gifts cards, merchandise or experiences, while keeping the option of travel rewards open, too.  Features to look for in a travel-alt credit card A good travel-alt card will allow you to earn points on purchases for travel and other categories. Additionally, it will belong to a points program that offers solid travel rewards but also allows you to redeem for other things like gift cards, merchandise, events or experiences—or even cash! Beyond these basics, there are other features and variables to watch for, too. Travel insurance  Worthwhile travel insurance can be costly, often adding hundreds of dollars to the price of every trip. It might be tempting to go without, but the potential cost of an uninsured injury or accident can make this a very risky choice. Credit cards with the benefit of travel insurance are an economical solution.  When shopping for a card with travel insurance, look for protection that fits your travel style. For example, while the backpacker travelling light likely doesn’t need lost baggage coverage, the professional on a business trip with expensive computer equipment probably does.  If your credit card doesn’t have travel insurance included as a perk, comprehensive coverage is worth looking into, even if you’re only travelling locally. The HSBC World Elite Mastercard, for example, carries wide-reaching travel, medical and car rental policies.  Rewards program and travel boosts The best kind of rewards program for a travel-alt card is one that lets you earn points redeemable toward travel and non-travel rewards. With the HSBC Rewards program, for example, you can redeem your points towards eligible travel expenses including flights, hotels, cruise or train tickets or tours. And a big plus: No blackout dates for redeeming. And you can use any travel agent or website to book.  If travel is currently on hold for you, you can still take advantage of your HSBC Rewards points. Turn your earnings into merchandise like electronics or sports equipment or experiences, like helicopter rides or kayaking. You can also redeem for gift cards, to give as a present or just to treat yourself. And you can put your rewards into a Charitable Impact account to make donations. Of course, if you’re looking for cold, hard cash, you can apply your points to your HSBC mortgage, Mastercard or savings account. If you’re still up for travelling, consider a card that boosts your earn rate on travel-related expenses, such as the HSBC World Elite Mastercard or the HSBC Premier World Elite Mastercard. With each, you earn 3% back in rewards points on travel spends (and a competitive 1.5% back on everything else). Foreign exchange fees When you make purchases in a different currency, most cards charge an additional 2.5 to 3% in foreign exchange fees. This can really add up. Some cards forgo this fee, like the HSBC World Elite Mastercard and the HSBC Premier World Elite Mastercard, which is welcome news for both frequent travellers and cross-border shoppers.  Travel credits and other bonuses You don’t have to forego travel-related perks with a travel-alt credit card. For example: The HSBC World Elite Mastercard and the HSBC Premier World Elite Mastercard offer a $100 travel enhancement credit that you can redeem for airline seat upgrades, airline baggage fees, or airport lounge passes. And don’t worry if you’re not traveling currently—this is an annual benefit. Other perks to keep an eye out for are airport lounge passes, free wi-fi, and travel-related discounts. Welcome bonuses Whenever you’re looking for any type of new credit card, it’s a good idea to check out the welcome bonuses, as they can be extremely lucrative. Until January 31, you can get up to 100,000 HSBC Rewards points when you sign up for the HSBC World Elite Mastercard or the HSBC Premier World Elite Mastercard—that’s up to $350 towards travel. Or redeem points for gift cards or donations (a value of $329), merchandise ($294), or a statement credit ($210). There’s no rush to choose—HSBC points never expire. How to choose a travel-alt card If you want a credit card that has travel benefits but is also flexible, pay attention to these variables before you apply. A good travel-alt card works for you when you’re on the road and at home.  Find a rewards program that is flexible, easy to redeem, and preferably with points that never expire. Check your current credit cards for included insurance to avoid doubling up. Know that cards with travel medical insurance typically have higher annual fees. Maximize your earnings with welcome bonuses. Make sure you read the requirements to earn as much as possible. Look out for perks that will benefit you at home and

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