first_img Tags MortgagesrefinancingResidential Real Estate Share via Shortlink Share on FacebookShare on TwitterShare on LinkedinShare via Email Share via Shortlink Mortgage interest rates may be on the rise again, but for the past year, they were trending downward, with each week seeming to hit yet another record low. So what does this mean for homebuyers?Ace Watanasuparp, Senior Vice President at Citizens Bank, may not have a crystal ball, but he does have some tips on how those looking to buy or refinance homes can take advantage of the historically low rates.Watanasuparp sat down with The Real Deal editor-in-chief Stuart Elliott to break down what created the “artificially low environment” for interest rates, and what banks are looking for in their mortgage applicants.Watch the video to learn more.Read moreSuburban home inventory is depleted, but demand ragesMortgage applications reach pandemic peakMortgage applications rise as rates reach another record lowlast_img read more

first_imgRents across England and Wales dropped by 1.2 per cent fell in October taking the average to £806 per month, according to the latest buy to let index from Your Move and Reeds Rains.Rental price falls were led by the South East where they dropped by 2.5 per cent month-on-month, followed by the South West, down 2.1 per cent, and London where they fell by 1.1 per cent.But despite the fall in rents between September and October, they remain significantly higher than a year ago, with average rents having increased by 4.7 per cent in the 12 months since October 2014.On an annual basis, London leads the way with rents 10.7 per cent higher year-on-year, while rents increased by 8.9 per cent in the East of England and 5.7 per cent in the East Midlands. By contrast, rents in Wales are 6.7 per cent lower than a year ago.With the festive season rapidly approaching, better deals will almost certainly be made available for tenants seeking to rent later in the autumn, but there has been no huge change in the supply-demand fundamentals pushing rents higher than in previous years, according to Adrian Gill (left), Director of Reeds Rains and Your Move.He commented: “The fact remains that the private rented sector is growing rapidly, driven by demand and new properties coming onto the rental market are letting quickly.”Gill pointed out that the private rented sector is much more closely connected to what people earn than the property purchase market.“Many tenants are earning more, and while buying a home is still an unrealistic stretch for millions, renting a home is luckily still within reach,” he continued. “Rents are more fundamentally limited by monthly budgets and now that ceiling is being lifted, average rents are likely to continue to rise rapidly on an annual basis.”The index also revealed that the gross yield on a typical rental property in England and Wales, before taking into account factors such as void periods, has fallen to 5 per cent in October, down from 5.1 per cent in September 2015.Taking into account both rental income and capital growth, the average landlord in England and Wales has seen total returns of 11.6 per cent over the 12 months ending October 2015, up from 10 per cent in September 2015.In absolute terms this means that the average landlord in England and Wales has seen a return of £20,933, before any deductions such as property maintenance and mortgage payments. Of this, the average capital gain contributed £12,272 while rental income made up £8,661 over the 12 months to September.“Growing property values are acting as a bonus for landlords, who may be able to access cheaper finance or invest in new properties as a result,” Gill added.rental price falls rental prices rents rents fall rents fall in October November 26, 2015The NegotiatorWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles 40% of tenants planning a move now that Covid has eased says Nationwide3rd May 2021 Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 Home » News » Housing Market » Rents fall in October previous nextHousing MarketRents fall in OctoberRents in England and Wales fell by 1.2 per cent month-on-month but rose annually.The Negotiator26th November 20150532 Viewslast_img read more

first_imgBack to overview,Home naval-today USA: Makin Island Amphibious Ready Group Ships Support 11th MEU Counter-Piracy Training View post tag: ships View post tag: MEU View post tag: Counter-Piracy Ships assigned to the Makin Island Amphibious Ready Group (ARG) served as the key platform for counter-piracy training conducted Oct. 1 by the 11th Marine Expeditionary Unit during a certification exercise (CERTEX) off the coast of Southern California.Led by Commander, Amphibious Squadron Five (PHIBRON 5), the amphibious assault ship USS Makin Island (LHD 8) and the amphibious transport dock ship USS New Orleans (LPD 18) were the launching platforms for air and surface assets that allowed a Marine maritime raid force to re-take a simulated pirated vessel.“The safety and economic interests of the United States and our allies and partner nations depend on unimpeded trade across the world’s oceans,” said Capt. Humberto Quintanilla, PHIBRON 5 commander. “This Navy/Marine Corps exercise demonstrates our ability to execute anti-piracy tactics while conducting broader scope maritime security operations.”Quintanilla said that effective maritime security requires a comprehensive international effort that promotes global economic stability through the protection of vital ocean commerce. Hostile or illegal acts on the high seas must collectively be stopped.“Our Navy and Marine Corps team plays a critical role in facilitating international maritime security cooperation,” said Quintanilla. “Global maritime security can only be achieved through the unity of international and regional maritime integration, awareness, and response initiatives.”During the exercise, two AH-1Z Viper helicopters and two UH-1Y Venom helicopters were launched from Makin Island. CH-46E helicopters and a small boat were launched from New Orleans as part of the raid.Once on board the cargo vessel ATLS, Marines searched the ship, apprehended actors playing the role of pirates, seized automatic weapons and returned control of the vessel to the ship’s crew.“This is the type of joint mission that improves interoperability and provides the MEU with an exceptional maritime raid capability,” said Gunnery Sgt. Jonathan Compton, the maritime raid force’s first sergeant. “The Marines decisive and thorough actions enabled them to complete their task and conduct a successful mission.”The Makin Island ARG is scheduled for a routine deployment later this year.Commissioned in 2009, Makin Island is the Navy’s newest amphibious assault ship capable of utilizing surface and air assets to move Marine forces ashore. The ship is named in honor of the daring World War II raid carried out by Marine Raider Companies A and B, Second Raider Battalion, on Japanese held Makin Island Aug. 17-18, 1942. LHD 8 is the second ship to bear the name USS Makin Island.[mappress]Source: navy, October 06, 2011 Training & Education View post tag: Support View post tag: News by topic View post tag: Amphibious View post tag: Training View post tag: Makincenter_img USA: Makin Island Amphibious Ready Group Ships Support 11th MEU Counter-Piracy Training Share this article View post tag: Island View post tag: Navy View post tag: 11th View post tag: Naval View post tag: Ready October 6, 2011 View post tag: Grouplast_img read more

first_imgThe Department of Orthopaedics Surgery, at the University ofFlorida College of Medicine – Jacksonville, seeks a full-timeGeneral Orthopaedic Surgeon. This position will be non-tenured atthe level of Clinical Assistant/Associate/Full Professor.Subspecialty training in Trauma, Sports Medicine, Hand and/or TotalJoint Replacement is a plus.Candidates for this position must be eligible for licensure inFlorida, and be BC/BE with the ABOS.This position will report to the Chief of Orthopaedic Surgery andChairman of the Department of Orthopaedic Surgery.Major responsibilities include performing primarily generalorthopaedic surgeries, teaching residents, and participation inresearch with results published in peer reviewed journals.The University of Florida College of Medicine-Jacksonville is thelargest of the three UF colleges – medicine, nursing and pharmacy -located on the approximately 110-acre UF HealthJacksonville campus. The college’s 16 clinicalscience departments house more than 400 faculty members and 300residents and fellows. The college offers 32 accredited graduatemedical education programs. In addition to graduate medicaleducation, clinical rotations in all the major disciplines areprovided for students from the UF College of Medicine inGainesville.For practicing physicians, the college offers a continuing medicaleducation program that recruits national and international speakerswho are well known and respected in their fields. The campus’faculty, residents and fellows are active in clinical research.Residents and fellows regularly present their findings at locationsacross the country and publish their projects in well-knownpublications.Residents in Northeast Florida and Southeast Georgia are offeredall the benefits of an academic health center by combining ourstrengths with that of the UF Health Jacksonville. Together, theUniversity of Florida Health Science Center–Jacksonville and UFHealth Jacksonville form the region’s premier academic healthcenter–UF Health, a leader in the education of healthprofessionals, a hub for clinical research and a unique provider ofhigh-quality patient care.With more than 5,000 faculty and staff, the academic health centerin Jacksonville is the largest UF campus outside of Gainesville,offering nearly 100 specialty services, including: Cancer services;Cardiovascular; Neuroscience; Orthopaedic; Pediatrics; PoisonCenter; Trauma and Critical Care; and Women and Families services.At 37 clinical sites throughout Northeast Florida, UF physicianstally more than 600,000 outpatient visits and more than 34,000inpatient admissions annually.Located in North Jacksonville is UF Health North, the onlyfull-service hospital in North Jacksonville. The state-of-the-arthospital at UF Health North offers conveniently located,high-quality health care to patients across Northeast Florida andSoutheast Georgia. It offers a wide range of inpatient andoutpatient services unavailable anywhere else in NorthJacksonville, provided by UF Health and community physicians. Thehospital features all-private rooms, which studies show promotehealing and improve the patient experience. Patient engagementtechnology in patient suites allows for easy meal ordering, TVcontrol and access to nurses. And mothers-to-be can soon delivertheir babies in our spacious labor and delivery suites later thissummer. The hospital is adjacent to the existing medical officebuilding, where UF Health providers offer more than 20 specialties,including pediatrics and women’s health services. The campus islocated on Max Leggett Parkway close to Jacksonville InternationalAirport, approximately 15 minutes from Nassau County and less than30 minutes from Georgia. For more information, visit on Florida’s First Coast, Jacksonville is one of thelargest cities in land area in the United States. The city providesan eclectic combination of southern hospitality, business andrecreational paradise. More than 1 million people live in thefive-county area known as Florida’s First Coast. The area offerssomething for everyone, with a temperate climate incorporatingseasonal changes, miles of beautiful waterways and beaches, and amyriad of public facilities for work and play.For more information about Jacksonville, visit Candidates for this position must be eligible for licensure inFlorida, and be BC/BE with the ABOS. Subspecialty training inTrauma, Sports Medicine, Hand and/or Total Joint Replacement is aplus.The search committee will begin to review applications once anapplicant pool is identified. Please include a cover letter andCV.The final candidate will be required to provide official transcriptto the hiring department upon hire. A transcript will not beconsidered “official” if a designation of “Issued to Student” isvisible. Degrees earned from an education institution outside ofthe United States are required to be evaluated by a professionalcredentialing service provider approved by National Association ofCredential Evaluation Services (NACES), which can be found at an accommodation due to a disability is needed to apply for thisposition, please call 352-392-2477 or the Florida Relay System at800-955-8771 (TDD). Hiring is contingent upon eligibility to workin the US. Searches are conducted in accordance with Florida’sSunshine Law.#category=35The University of Florida is committed to non-discrimination withrespect to race, creed, color, religion, age, disability, sex,sexual orientation, gender identity and expression, marital status,national origin, political opinions or affiliations, geneticinformation and veteran status in all aspects of employmentincluding recruitment, hiring, promotions, transfers, discipline,terminations, wage and salary administration, benefits, andtraining.last_img read more

first_imgGovernor Honored Fallen Heroes on Memorial DayIndianapolis – Governor Mike Pence and First Lady Karen Pence will participate in the 500 Festival Parade tomorrow and will attend the Indianapolis 500 race on Sunday. On Monday, the Governor will honor fallen heroes by offering remarks at the Washington Park East Memorial Day Service. Details below.Saturday, May 28:12:00 p.m. EDT – Governor Pence and First Lady Karen Pence to participate in the 500 Festival Parade*Media are welcome to attend.Indianapolis, INSunday, May 29:12:00 p.m. EDT – Governor Pence and First Lady Karen Pence to attend the Indianapolis 500 raceMonday, May 30:10:00 a.m. EDT – Governor Pence to honor fallen heroes by offering remarks at Washington Park East Memorial Day Service*Media are welcome to attend.Hoosier Patriot Memorial, Washington Park East Cemetery and Funeral Center, 10612 East Washington Street, Indianapolis FacebookTwitterCopy LinkEmailSharelast_img read more

first_imgPork pie brand Pork Farms has struck a deal with Boots, which will help to further its growth in the chilled pastry category.The deal will see a range of Pork Farms’ key products feature in the retailer’s lunchtime meal deal.Consumers will be able to purchase its twin-pack snack eggs, twin-pack mini pork pies or the ‘big hit’ king-size sausage roll, as the snack part of the £3.29 meal deal offer.The firm has also introduced a number of new pork-based snacking options to its range. Branston Pickle Bites and English Mustard bites will go on sale in May.In March this year, Pork Farms rebranded its entire product range in an effort to communicate the company’s history and encourage consumers to have an “emotional engagement” with the brand.The £1m makeover coincided with the manufacturer’s 80th anniversary and saw new products launched, including snack slices, mini pork pies and Scotch eggs.Andy Napthine, head of marketing at Pork Farms, commented: “We are delighted to announce our drive to capture more of the lunchtime market, with the start of our first ever meal deal with Boots. This particular promotion will challenge consumers’ perceptions of pork pies, snack eggs and sausage rolls purely as special occasion or in-home items.”>>Pork Farm’s rebrands to engage with consumerslast_img read more

first_imgTesco has said its UK performance has been in line with expectations, despite falling like-for-like sales. UK sales were up 2.0% in its first quarter financials, however like-for-like sales in the UK were down 1.4%. Group sales, excluding petrol, were up 2.2%Philip Clarke, chief executive, said: “Tesco has performed robustly in the first quarter despite subdued consumer confidence in all our markets.“We are rapidly implementing our six-point UK plan and I’m particularly proud of the relaunch of our Everyday Value range and the fact we have now put extra staff into 700 of our stores – in 500 of them within the last three weeks alone.”last_img read more

first_imgCourtesy of Tajae Thompson Residents of Johnson Hall gather in front of new building during Welcome Week festivities.Building on the relationships they formed last year, the Valkyries are now settling into the new dorm, welcoming first-year students and taking advantage of the gathering spaces outdoors and across the hall’s first floor.Rector Amanda Springstead, who has led the community since February 2019, said the new building lends itself to the sort of residential environment she hopes to foster.“I’d like to see the availability of our whole community to just gather,” Springstead said. “We have so much good open space here for those opportunities.”Junior Indonesia Brown, the hall’s fall semester vice president, said being part of a new dorm makes the sense of community especially strong.“We all got to choose that we want to live here,” she said.Electing to live in a brand-new residence hall comes with unique opportunities, especially for forming new traditions.Sophomore Lucia Carbajal, a resident of Johnson Family Hall who also serves as the dorm’s SUB representative, was initially unsure about moving into a dorm without the established traditions that are a hallmark of Notre Dame’s residential life. Since coming to campus, her perspective has changed.“The dorm life was something that drew me to Notre Dame,” Carbajal said. “I quickly realized that means we can make our own traditions. … We get to decide the mascot, the hall colors, what our signature event is going to be. It’s neat to be able to pick everything out.”The hall’s mascot, the Valkyries, hails from Norse mythology and depicts women warriors.“Powerful, strong soldiers is what we wanted to go for,” Thompson said. “It’s a great mascot — something different, something unique.”The community is also developing its own signature event: laser tag on the quad to raise money for charity. Although the COVID-19 pandemic made it impossible to hold the inaugural event last spring, the Valkyries look forward to establishing laser tag as a Johnson Family Hall tradition when conditions allow.As the new dorm forms its identity, the Johnson family — the lead donors for the hall — has maintained a relationship with the Valkyries. Springstead said the family has met the community over Zoom and plans to visit in person when health circumstances permit.“They text and I send them pictures of things that are happening in the hall,” Springstead said. “It’s been a really good relationship.”At the end of the year, the Valkyries hope to be able to send a yearbook to the family.“It’s cool to be able to forge that connection with them and involve them in things that are happening,” Brown said.Constraints caused by the ongoing coronavirus pandemic have challenged the Valkyries to rethink how they will build community this year, but Springstead is confident Johnson Family Hall will rise to the occasion.“We’ve had to be more creative, but that is nothing new for this community,” Springstead said. “We throw around terms like ‘trailblazing’ and ‘pioneering,’ and that’s so much of what our community is.”For now, despite the unusual circumstances, community remains the emphasis for the Valkyries.“My hope for the community is that everyone feels safe, supported, and welcomed here, and that this is a really inclusive and loving home for everyone who lives here,” Springstead said.Tags: Community, Johnson Family Hall, Pangborn Hall, Valkries Anticipated since December 2018, Johnson Family Hall — the University’s newest women’s dorm on East Quad — opened its doors this August to its first cohort of 221 residents.This is the first semester Johnson Family Hall is part of East Quad, but the Valkyries began building their community across campus in Pangborn Hall while the new dorm was under construction.Hall president junior Tajae Thompson said that during their time in Pangborn, the women had a chance to form bonds that only continue to strengthen. (Editor’s Note: Thompson is a former Scene writer for The Observer).“It’s the same community but in a different building,” Thompson said. “It’s the people who matter.”last_img read more

first_imgOn April 29, we’ll finally find out which of our favorite actors are nominated for a Tony Award this year. There are lots of hopefuls hitting the stage eight times a week this spring, but we also don’t want to foget the contenders who appeared in shows that closed earlier this season. We asked you which actor from a previously shuttered tuner (First Date, Big Fish, A Night with Janis Joplin and Soul Doctor) better not get lost in the shuffle. The results are in, and here’s what you had to say! And remember to tune in Tuesday morning when Jonathan Groff and Lucy Liu announce the 2014 Tony nominations! 3. Norbert Leo Butz, Big Fish — 6% Norbert Leo Butz was the hero of our story last year as the adventurous Edward Bloom in Big Fish. Butz has won the Tony for a Leading Role in a Musical twice before (Catch Me If You Can and Dirty Rotten Scoundrels). Could Tuesday mark the start of his road to number three? 2. Zachary Levi, First Date— 43% The First Date lovebirds led the pack, separated by just a few votes! How cute is that? Zachary Levi made his Great White Way debut as the high-strung first date virgin Aaron, and his performance merits the word “adorkable” (you won’t hear us say that often). Hopefully we’ll hear both his and Rodriguez’s names called on Tuesday morning. Star Files Zachary Levi View Comments Norbert Leo Butz 1. Krysta Rodriguez, First Date— 44% Go on a blind date, get a Tony nomination. Why can’t it be that easy?! Krysta Rodriguez brought the charm, spunk and sass to the Longacre Theatre stage earlier this season as serial dater Casey in First Date, so here’s hoping the nomination committee remembers this vlogger’s red-hot performance. Krysta Rodriguezlast_img read more

first_imgThe late-season market for Georgia watermelons is typically small, but could be critical for some Georgia farmers affected by a recent hailstorm in south Georgia, according to University of Georgia Cooperative Extension vegetable horticulturist Tim Coolong.On Tuesday, May 3, a hailstorm hit several south Georgia counties and impacted numerous fields, leaving damaged watermelons in its path.Coolong estimates that at least 400 acres of watermelons in counties stretching from Colquitt County northeast past Telfair County were impacted by the storm. “The damage was hit or miss, with some growers being severely impacted, while others a few miles away saw just some high winds,” said Coolong. “To have some fields completely wiped out at this stage in the growing season could be devastating.”So far, Coolong has heard from about 10 growers who suffered damage to their crops, and the injuries range from minimal plant damage to crops that have been completely destroyed. For some growers, having undeveloped fruit was beneficial because heavy fruit sets would have been damaged. When the fruit is damaged, often it will continue to grow. However, the fruit will ultimately be unmarketable, so it will have to be removed from the plant to prevent draining resources. In a more moderate case, the hail will only put holes into the watermelon plant leaves. Because the damaged leaves are more vulnerable to pathogens, the grower will then have to take special care of the plant to ensure it does not acquire any diseases throughout the rest of the growing season. Watermelon’s peak season is during the latter part of June or the first couple of days in July, right before July 4. This peak window comes when watermelons are highly sought after and are very marketable.According to Coolong, when the Georgia watermelon market tapers off after July 4, other states like Indiana and Delaware then dominate the national market. However, there is a possibility that some of these Georgia growers who suffered significant damage can cash in on the late market. “It is hard to say how many of our Georgia growers plan on providing watermelons for the late market, but we can expect roughly 1,000 to 1,500 acres to be produced,” said Coolong.When Georgia growers decide to plant late watermelons — those planted in late April or early May — they will need to spray their plants more frequently for diseases that are more likely to occur, like downy mildew, Fusarium wilt and gummy stem blight. Coolong warns farmers that producing a later crop means a higher risk of losing a crop during the summer.Planting season usually starts during the beginning of March. Growers who lost their crop to inclement weather a couple of weeks ago have had the option of planting again and testing the late-season market.Watermelons accounted for more than $134 million in farm gate value in 2014, according to the UGA Center for Agribusiness and Economic Development. “Unfortunately, there is nothing growers can do to prevent damages like this from happening to their crops,” said Coolong. “Sometimes, it just happens.”(Kenzie Kesselring is an intern on the UGA Tifton Campus.)last_img read more