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[ad_1] Real estate brokerages can survive, but only if they seriously invest in mortgage. So said members of a panel Tuesday on the evolution of the real estate brokerage during HousingWire Annual in Frisco, Texas. Today the value of a single mortgage origination is that of 10 real estate sales, said Chris Kelly, president and CEO of Ebby Halliday Companies. “It is increasingly important for agents to align themselves with a business model that includes brokerage,” Kelly said. The Plano, Texas-headquartered Ebby Halliday is a subsidiary of the mighty HomeServices of America, the most prolific real estate brokerage in the country by number of sales in 2020, according to RealTrends. But Kelly made clear that the only way HomeServices can make money is through mortgage, and through a lesser extent, to providing title insurance. 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 Can real estate brokerages survive without mortgage? appeared first on HousingWire. [ad_2] Source link

[ad_1] IPSY is a monthly beauty subscription bag that, according to their website, “delivers a set of personalized beauty products straight to your door, making it easier to discover your new go-tos, feed your passion for beauty, and try your favorite brands at an incredible value.” I tried IPSY out and here are some of my thoughts on it: How Does It Work? To get started with IPSY, you head to their website and fill out a Beauty Quiz. This quiz goes over your skin tone, eye color, and hair color. It also asks you about your confidence level with makeup, where you shop, and what kinds of makeup you love, wear, and use. One of the things I didn’t like about the quiz was that they don’t have an option to say that you don’t wear a certain kind of makeup. For instance, I don’t wear eye shadow or eye liner — ever. I’d love to have the ability to put this on the quiz and then have them remove that from ever getting sent to me. But, unfortunately, that is not a quiz answer they offer. After you take the quiz, you then sign up for which IPSY beauty bag you want to get each month and wait for an email telling you that your first bag is ready to preview. If you choose the Glam Bag (which is the only one I recommend — see below), you’ll get to choose one item in your bag. Everything else is chosen for you. What is a Glam Bag? The Glam Bag is IPSY’s flagship product. It is $13 and contains five personalized, deluxe-sized beauty samples sent in a cute makeup bag each month. The value of the contents is around $50. Each month, you get to choose one product for your bag from a few different options. How Much Does It Cost? The Glam Bag is $13 for five large samples. (They call them deluxe samples, but some are close to full-sized and some are enough for 5-10 uses.) IPSY also has two upgraded options — Glam Bag Plus for $28 month that gives you five full-sized beauty products or Glam Bag X which is $55/quarter and gives you seven to eight full-sized products every quarter. Is it Worth the Cost? That depends upon your personality and your makeup use. If you are very minimalistic in your makeup use, I can tell you that it won’t be for you. It’s also not for you if you have sensitive skin. If you love trying new products and you are the kind of person to prefer lots of different makeup options to choose from, then it definitely could be worth the cost — especially to get to try out higher quality products at a big discount. That said, I heard from many people that they found that getting a Glam Bag every month was a lot and they couldn’t use the products fast enough. However, some people told me they shared them with friends or even gave their extras as gifts or stocking stuffers. Another thing to keep in mind is that I’ve heard from many people that they often sent similar products (people mentioned lots of mascara) and they would sometimes send the same product in more than one bag over a year’s time. It seems that their claim of it being the “most personalized beauty bag on the market” didn’t necessarily hold up for some people. Or, at least they felt like what they were sent wasn’t in line with the Beauty Quiz they had filled out. Are There Any Discount Codes? If you want to try out IPSY right now, they are offering a rare offer. You can get a FREE month of Refreshments — IPSY’s new personal care bag — when you sign up for IPSY. This is an $18 value freebie! Have you tried out IPSY? I’d love to hear your thoughts on it — what you liked, what you didn’t like, and whether you thought it was worth the money or not. [ad_2] Source link

[ad_1] U.S. Treasury's Yellen seeking October agreement on global minimum corporate tax [ad_2] Source link

[ad_1] The company expects buoyancy across all its verticals, including industrial packaging, greases and lubricants, chemicals, logistics infrastructure & services, tourism & vacation and refinery & oil field services, for growth in the long term, taking its turnover to Rs 6,000 crore by 2025 from a targeted Rs 1,770 crore during the current fiscal. [ad_2] Source link

[ad_1] A Fannie Mae official Monday questioned the role of appraisal management companies, or “AMCs,” in evaluating houses. “We have 10 times more AMCs per capita than New Zealand and Australia,” said Lyle Radke, director of collateral policy at the powerful government-sponsored enterprise. “Why is that?” Perhaps AMCs can streamline the appraisal process, said Radke at a panel on the future of valuations, which happened to include Martin Froehlich, chief appraiser of AMC Nationwide Appraisal Network. But they might “circumvent” operations especially when the entire appraisal industry is under fire. Radke, who said Fannie Mae is officially “agnostic” on the help AMCs provide, spoke Monday at HousingWire annual in Frisco, Texas at a time when U.S. Housing and Urban Development is running a task force to combat inequality in appraisals. How AMCs help – or hurt – addressing bias, or any other aspect of appraisals, is a subject of some controversy. The companies say they are a firewall between mortgage lender and appraiser, taking homes to be appraised from lenders and fanning out the work to individual appraisers. 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 Fannie Mae official questions purpose of AMCs appeared first on HousingWire. [ad_2] Source link

[ad_1] The post 7 Post-Pandemic Stocks to Buy Right Now appeared first on Millennial Money. If you’re waiting for the end of the pandemic to buy stocks, let me encourage you to fight that urge. First of all, there’s no specific end date that anyone can point to as to when all of this will be over.  Additionally, you could be missing out on some phenomenal growth that some companies are experiencing right now as they tap into massive trends that will far outpace the pandemic. All of the companies listed below are already growing fast in their respective markets—or are already dominating—and each has the potential to benefit from the world getting back to relative normal.  So let’s take a closer look at seven post-pandemic stocks you should consider buying right now. 7 Post-Pandemic Stocks to Buy Today Here are the top 7 post-pandemic stocks right now. Tesla Airbnb Walt Disney Co. Square Amazon.com Roku NVIDIA Tesla (Nasdaq: TSLA) Tesla (NASDAQ:TSLA) Price: $791.36 (as of close Sep 27, 2021) Market Cap: 783,458,395,434 document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-31a3718edf30c77e09dfa73ec64de4a3”,{rangeSelector:{selected:1},title:{text:”Tesla (NASDAQ:TSLA)Closing Stock Price”},subtitle: {text: “30-Day 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 },series:[{name:”NASDAQ:TSLA”,data:[[1630296000000,730.91],[1630382400000,735.72],[1630468800000,734.09],[1630555200000,732.39],[1630641600000,733.57],[1630987200000,752.92],[1631073600000,753.87],[1631160000000,754.86],[1631246400000,736.27],[1631505600000,743],[1631592000000,744.49],[1631678400000,755.83],[1631764800000,756.99],[1631851200000,759.49],[1632110400000,730.17],[1632196800000,739.38],[1632283200000,751.94],[1632369600000,753.64],[1632456000000,774.39],[1632715200000,791.36],],tooltip:{valueDecimals:2,xDateFormat: “%A, %B %e, %Y”}}]}); }); There’s plenty of indication that the electric vehicle (EV) market is about to accelerate and there may be no other EV company better positioned to benefit than Tesla. Consider these EV stats: More than one-quarter of new vehicles sold worldwide in 2030 will be electric  By 2050, as much as 82% of worldwide new vehicle sales will come from EVs  Tesla currently holds 66% of the EV market in the United States in 2021  But Tesla doesn’t even have to maintain its massive EV market leadership position in the United States in order to benefit from a surge in EV sales. The company has higher-than-average profit margins from its vehicles and can thus still profit even as larger automakers enter the EV space. The fact is that Tesla is synonymous with EVs worldwide and is expanding its footprint in China and Europe, which will only give the company more exposure to the worldwide market. Tesla’s Chinese Gigafactory is already churning out cars and its German factory is just about to start production.  As the world bounces back from the pandemic and looks toward its EV future, Tesla will already have the production, vehicle capacity, and models to meet the demand.  Airbnb (Nasdaq: ABNB)  Airbnb, Inc. (NASDAQ:ABNB) Price: $174.26 (as of close Sep 27, 2021) Market Cap: 107,944,102,850 document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-5d90309ec55a346722d37e7dbc074e19”,{rangeSelector:{selected:1},title:{text:”Airbnb, Inc. (NASDAQ:ABNB)Closing Stock Price”},subtitle: {text: “30-Day 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 },series:[{name:”NASDAQ:ABNB”,data:[[1630296000000,156.02],[1630382400000,154.99],[1630468800000,156.59],[1630555200000,157.2],[1630641600000,158],[1630987200000,165],[1631073600000,163.93],[1631160000000,166],[1631246400000,165.2],[1631505600000,160.32],[1631592000000,163.3],[1631678400000,166.37],[1631764800000,168.15],[1631851200000,166.59],[1632110400000,161.64],[1632196800000,169.29],[1632283200000,169.96],[1632369600000,175.13],[1632456000000,175.88],[1632715200000,174.26],],tooltip:{valueDecimals:2,xDateFormat: “%A, %B %e, %Y”}}]}); }); It’s no secret that traveling took it on the chin when the pandemic arrived. Airbnb made some very significant cost-cutting moves to weather the storm, believing that they’d be able to bounce back.  In fact, Airbnb’s management said that there would be a “significant” travel rebound in 2021 and, despite some setbacks, it mostly came true. Here are some traveling stats from 2021, according to the U.S. Travel Association:  July, 2021 travel spending was just 6.5% below July, 2019 levels Hotel demand has almost completely recovered, down just 4% from July, 2019 Overall travel spending has bounced back and is down just 6% from July, 2019 The pandemic is still negatively impacting travel, but Airbnb is on course. Wall Street estimates that the company’s sales will grow at a compound annual growth rate of 18% through 2025.  The company has already had 1 billion guests use its platform—many of whom haven’t quite scratched that traveling itch during the pandemic. And with its 4 million hosts in 220 countries, Airbnb is poised to benefit as travel fully rebounds.  Once the pandemic subsides, you can expect this newly minted public company to further tap into its massive $3.4 trillion addressable travel market.  Walt Disney Co. (NYSE: DIS) Walt Disney (NYSE:DIS) Price: $178.26 (as of close Sep 27, 2021) Market Cap: 323,920,986,824 document.addEventListener(“DOMContentLoaded”, function(event) { Highcharts.stockChart(“stockChart-05b4c979581e036b17bed7cce45dd9cc”,{rangeSelector:{selected:1},title:{text:”Walt Disney (NYSE:DIS)Closing Stock Price”},subtitle: {text: “30-Day 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 },series:[{name:”NYSE:DIS”,data:[[1630296000000,179.98],[1630382400000,181.3],[1630468800000,183.48],[1630555200000,181.86],[1630641600000,181],[1630987200000,184.34],[1631073600000,185.15],[1631160000000,185.91],[1631246400000,184.12],[1631505600000,184.98],[1631592000000,182.4],[1631678400000,184.41],[1631764800000,183.34],[1631851200000,183.47],[1632110400000,178.61],[1632196800000,171.17],[1632283200000,173.65],[1632369600000,176.25],[1632456000000,176],[1632715200000,178.26],],tooltip:{valueDecimals:2,xDateFormat: “%A, %B %e, %Y”}}]}); }); Many of Disney’s key businesses took a major hit in 2020, with the company closing its theme parks, docking its cruise ships, and shutting down the production of movies and TV shows. But now there are plenty of signs pointing to a Disney rebound. Here’s how the company is getting back on track right now: As of August, 2021, Disney’s domestic theme park segment is once again generating positive operating income  Two of Disney’s cruise ships have once again left port and the company is on track to launch its new, fifth ship in the summer of 2022 Disney+ subscribers skyrocketed 100% between mid-2020 to mid-2021, and have reached 116 million  That last bullet point is worth focusing on for a second because Disney views its video subscription service as a major part of its future. The company’s massive library of Disney-branded content, along with its Marvel and Star Wars franchises, ensure that this segment will continue to be a pillar of Disney’s core business for years to come.  Disney is poised for even more of a business rebound into the coming year as more people feel comfortable traveling again. And with Disney World celebrating its 50th anniversary right now, travelers may be even more motivated to visit the most magical place on earth post-pandemic (and even before). Pick Like A Pro Where to invest $500 right now Before you buy Amazon, or Netflix, or Apple, consider this… The team at Motley Fool first

[ad_1] Love Coach products? This is a great time to grab something for a really hot price! Right now, Coach Outlet is having a huge “Everything’s Seriously On Sale” sale! Plus, for a limited time, you can get an extra 15% off when you use the promo code FRIENDS15 at checkout! Even better, shipping is free on all orders. Here are some deals you can get… Get this City Tote In Signature Canvas for just $118.15 shipped after the code (regularly $350)! Get this Rowan Satchel With Pop Floral Print for just $111.52 shipped after the code (regularly $328)! Get this Gallery Tote for just $109.65 shipped after the code (regularly $328)! Get this Coach X Jean Michel Basquiat Corner Zip Wristlet for just $33.32 shipped after the code (regularly $98)! Get this Id Lanyard With Pop Floral Print for just $23.12 shipped after the code (regularly $68)! Shop the entire sale here. Valid through October 5, 2021, while supplies last. [ad_2] Source link

[ad_1] Santander to pay shareholder remuneration of 1.7 billion euros [ad_2] Source link

[ad_1] In terms of assets under management (AuM), both Solana and Polkadot continued witnessing outsized inflows worth $3.9 million and $2.4 million, making up for 4.5 per cent and 3.2 per cent of AuM respectively. [ad_2] Source link

[ad_1] Investing in technology is not the be-all end-all when it comes to efficiency in mortgage origination. Lenders who adopt technology but don’t enforce discipline within their organization won’t see the efficiency savings technology promises. That’s according to Tim Mayopoulos, president of publicly traded Blend, which provides digital tools for some of the biggest mortgage lenders and debuted on the New York Stock Exchange in July at a $4.6 billion valuation. Being able to leverage technology sensibly could especially become a key differentiating factor for lenders as competition for waning margins intensifies. Lenders will have “no choice” but to adopt technology, he said, or face falling behind their competitors. “They’ll either do that, or they’ll lose money, or they’ll have to sell their business to someone who is willing to achieve those efficiencies.” Mayopoulos noted that despite the advances in mortgage tech, the cost of origination has remained stubbornly high. Still, much has changed since the post-recession days at Fannie Mae when “cracking open” any one of millions of delinquent loans meant sifting through hundreds of pages of loan files, Mayopoulos said. The former CEO of Fannie Mae said that at that time, he was under the impression the conservatorship arrangement was a “temporary timeout.” Thirteen years later, few expect the federal government to relinquish its control over the two mortgage giants. 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 Tim Mayopoulos on the limits of GSE innovation appeared first on HousingWire. [ad_2] Source link