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Positive revisions boost new home sales report

[ad_1] In Tuesday’s new home sales report from the Census Bureau, monthly supply hit recent highs at 6.2 months and 5.9 months on the more critical three-month average. I focus on the monthly supply as being the most critical data for the new-home market. The new home sales market is a small but essential part of the overall market and the economy. I have long said that the builders don’t build for the existing home sales market; they build based on demand for their specific products. When the monthly supply of new homes grows, builders will throttle back construction to control the flow of products in order to protect their margins. From the Census report: The seasonally adjusted estimate of new houses for sale at the end of July was 367,000. This represents a supply of 6.2 months at the current sales 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 Positive revisions boost new home sales report appeared first on HousingWire. [ad_2] Source link

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5 Top Airline Miles Credit Cards

[ad_1] We’ve researched the best airline miles credit cards of 2018 and narrowed the list down to the top five. Here they are, including welcome offer details. Table of Contents Southwest Airlines Rapid Rewards Premier Credit Card Gold Delta SkyMiles® Credit Card from American Express British Airways Visa Signature Card Chase United Mileage Plus Explorer Blue Delta SkyMiles® Credit Card from American Express If you’re a frequent traveler–for pleasure or business–a great travel rewards credit card is a must-have. If you prefer to fly with a certain airline, a card that offers miles for that airline is essential. Airline miles credit cards can boost the miles you receive through your preferred airline’s mileage program. You can rack up miles by the millions. (Don’t believe me? Just check out the movie Up in the Air.) Note that the cards listed below are airline specific, rather than generic travel rewards cards that let you use your points on just about any airline. We’ve focused on great cards from some of the nation’s top airlines. We’ll look at just how much the average family could earn with these cards. “Average” is, of course, a bit of a broad term for anything personal finance related. So we’re using the Bureau of Labor Statistics data on consumer expenditures for 2016 as a proxy. We added up the food, gasoline, entertainment, and apparel categories to come up with an average of about $14,000 in spending per year. We’ll say the family in question spends another $2,000 with their airline of choice. These are the expenses you’re most likely to put through a credit card, so that’s how we’ll calculate potential rewards. Keep in mind that the value of points varies from month to month and depending on what type of travel you’re booking. We’ll use this chart from The Points Guy to estimate the most recent value for each credit card’s points. 1. Southwest Rapid Rewards Premier Credit Card There’s a reason the Southwest Rapid Rewards Premier Credit Card is so popular. It offers 2 points per $1 spent with Southwest Airlines® (direct purchases only) and 2 points per $1 spent on Rapid Rewards hotel and car rental partners–including Best Western, Marriott, Hyatt, and more. You’ll get 1 point per $1 spend on all other purchases and 6,000 bonus points per year on your card member anniversary. Bonus: Right now, new card holders can get 40,000 points after spending $1,000 in the first three months of account opening.  Then, another 20,000 bonus points are available after spending $12,000 in the first year.  That’s up to 60,000 bonus points for new cardmembers. Fees: The Premier card comes with a $99 annual fee. If you spend enough on this card, though, you can easily outweigh that fee. The card doesn’t have foreign transaction fees, though, which could spell big savings for frequent international fliers (though Southwest only flies to Mexico and the Caribbean). Other Benefits: You can redeem your miles for any seat on any Southwest or AirTran flight, and there are no blackout dates. Membership Levels: Your credit card points can help boost your membership level in the overall Rapid Rewards program. A-List members get a 25% point bonus on top of base flights earned from each flight, priority boarding, and expedited security. Companion Pass–the highest status–earns you the ability to bring a companion for free whenever you purchase a ticket for yourself. You can change you receives the companion benefits up to three times per year. Potential Benefits: If you ran every bit of your above-noted expenses through this card, you’d wind up with 75,000+ Southwest Rapid Rewards points by your first card member anniversary. These points are worth approximately 1.5 cents each. So that’s ~$1,120 in rewards. Even minus that $99 annual fee, you’ve earned enough for at least a couple of free domestic tickets. Learn More about this and similar cards HERE. 2. Gold Delta SkyMiles® Credit Card from American Express Learn More With this card, you’ll earn 2 miles per $1 spent on purchases made directly with Delta. Welcome Offer: Right now, when you are a new cardholder, you’ll earn 30,000 bonus miles when you spend $1,000 in purchases within the first three months of card ownership. You’ll also get a $50 statement credit after you make a Delta purchase within your first three months of card membership. Fees: This card comes with a $0 introductory fee for the first year, and then a $95 fee per year after that. The card has no foreign transaction fees. Other Perks: Cardholders save 20% (in the form of a statement credit) when they make in-flight food, beverage, and entertainment purchases with this card. Cardholders also get the first checked bag free for the cardholder and traveling companions, as well as priority boarding. Plus, the card comes with reduced fee Delta Sky Club® Access for the cardmember and two guests. Potential Benefits: Because this card only offers accelerated points for Delta purchases, its potential is much lower. You could earn 34,000 points in the first year with the bonus. The points are worth about 1.2 cents each, so you’ll wind up with a total of $408, plus your $50 bonus–for $458 for the first year. That’s still not a bad take if Delta is your favorite airline. You can get more details on this and similar cards HERE. 3. British Airways Visa Signature Card Without a doubt the British Airways Visa Signature Card is the card to carry for those that fly British Airways. The bonus rewards for new card members are astounding, as you can see below. The rewards for everyday purchases are also excellent. Rewards: You’ll earn three Avios per $1 spent on British Airways purchases, and one Avios for every $1 spent on all other purchases. Bonus: New Cardmembers can earn 50,000 bonus Avois after spending $3,000 in the first three months.  Then earn another 50,000 bonus Avios after spending $20,000 in the first year of account opening.  That’s a total of 100,000 bonus Avios . Every calendar year you make $30,000 in purchases on your

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Under Armour Women’s Rival Fleece Hoodie only $20 shipped (Reg. $45!)

[ad_1] These Under Armour Women’s Rival Fleece Hoodies are perfect for fall weather! Proozy has these Under Armour Women’s Rival Fleece Hoodies for just $20 shipped when you buy three and use the promo code MSM825AM-60-FS at checkout! There are four colors to choose from. Be sure to add three hoodies to your cart to get this deal. Valid through August 31, 2021. [ad_2] Source link

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Up to 45% off Coredy Robot Vacuum Cleaners!

[ad_1] Today only, Amazon is offering up to 45% off Coredy Robot Vacuum Cleaners! Here are a couple of deals you can get… Get this Coredy Robot Vacuum Cleaner, Fully Upgraded, Boundary Strip Supported, 360° Smart Sensor Protection for just $120.35 shipped (regularly $189.99)! Get this Coredy Robot Vacuum Cleaner, 1400Pa Super-Strong Suction, Ultra Slim for just $113.99 shipped (regularly $165.99)! Sign up for a free trial of Amazon Prime to get free two-day shipping (and possibly one-day or same-day shipping!) with no minimum. If you’re not sure Prime is worth it, read this post for some helpful info to help you decide! And don’t forget you can sign up for Swagbucks to earn free gift cards to use on Amazon deals! [ad_2] Source link

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The housing industry’s disparate impact hopes

[ad_1] Mortgage industry groups on Tuesday made their voices heard in response to the Department of Housing and Urban Development’s proposed reinstatement of its 2013 disparate impact rule. Numerous industry stakeholders asked HUD to make some changes to the regulation to raise and further explain the threshold for disparate impact claims. A homeowners insurer trade group, which has mounted successful legal challenges of the standard in the past, said it sees no reason the rule should apply to its industry. The argument for the higher threshold for claims arose following a 2015 Supreme Court decision which upheld the disparate impact regulation. The 5-4 decision said that disparate impact claims are included in the Fair Housing Act, but it more specifically defined the three-step process to prove a strong link between a business practice and discrimination. But the mortgage industry and HUD don’t see eye-to-eye on how that decision should be taken into account. 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 The housing industry’s disparate impact hopes appeared first on HousingWire. [ad_2] Source link

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Cap’n Crunch with Crunchberries 4-Pack only $8.36 shipped!

[ad_1] Here’s a great stock up deal on Cap’n Crunch Cereal! Amazon has this Cap’n Crunch with Crunchberries 4-Pack for just $8.36 shipped when you clip the 20% off e-coupon and checkout through Subscribe & Save! That’s just $2.09 per box shipped. Note: Once your order ships, you can go into your Amazon account and cancel your subscription if you don’t want recurring orders. [ad_2] Source link

Cap’n Crunch with Crunchberries 4-Pack only $8.36 shipped! Read More »

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