Credit record – KR2K http://kr2k.com/ Tue, 22 Nov 2022 18:15:21 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://kr2k.com/wp-content/uploads/2021/08/icon-150x150.png Credit record – KR2K http://kr2k.com/ 32 32 How to Get the Best Mortgage in 2023 – Forbes Advisor https://kr2k.com/how-to-get-the-best-mortgage-in-2023-forbes-advisor/ Tue, 22 Nov 2022 18:15:21 +0000 https://kr2k.com/how-to-get-the-best-mortgage-in-2023-forbes-advisor/ Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors. Between record house prices, mortgage rates, rising inflation and recession fears, homebuyers have been tested this year. This has created more uncertainty heading into 2023 for many homebuyers looking for an affordable […]]]>

Editorial Note: We earn a commission on partner links on Forbes Advisor. Commissions do not affect the opinions or ratings of our editors.

Between record house prices, mortgage rates, rising inflation and recession fears, homebuyers have been tested this year. This has created more uncertainty heading into 2023 for many homebuyers looking for an affordable mortgage.

First-time homebuyers have felt the pressure in particular, as soaring home prices and mortgage rates have reduced their down payment and purchasing power.

As housing market conditions begin to improve, albeit very slowly, keeping a close eye on the mortgage market — and any government economic action — should be your top resolution for 2023 if you hope to land the best mortgage for you.

How inflation will affect mortgage rates in 2023

In its efforts to contain rising inflation, the Federal Reserve aggressively raised its benchmark federal funds rate throughout 2022. Although Fed rate hikes do not directly impact mortgage rates, they do affect the bond market, which directly impacts mortgage rates.

“Until the Federal Reserve deems runaway inflation to be under control, it will continue to aggressively raise the federal funds rate, which, in turn, will continue to drive up mortgage rates,” he said. Rick Sharga, executive vice president of business intelligence at ATTOM. leading real estate data curator.

Wells Fargo economist Charlie Dougherty expects the Fed to make more rate hikes in 2023. However, he says the increases will be less aggressive compared to 2022.

Nevertheless, Dougherty and other experts predict that mortgage rates will remain high, at least for the first few months of 2023.

“The economic consensus seems to be that there will be strong signs early next year that inflation is fading,” said Mark Fleming, chief economist at First American Financial Corp. But “all signs point to more upward pressure on mortgage rates than downward in early 2023.”

When will be the best time to get a mortgage in 2023?

With mortgage rates at record highs, house prices which have yet to normalize and uncertainty across the housing marketmany buyers pulled out of the market.

So, will 2023 be a better year to get a home loan?

When it comes to house prices, many housing experts say we’ll start to see more month-over-month declines next year.

“We now expect home prices to register year-over-year declines in 2023, with the national median price of existing single-family homes expected to fall 5.5% over the year,” Dougherty says. “That said, the long-standing supply shortfall and strong underlying demand will ultimately limit the extent of home price depreciation.”

However, home depreciation will not be uniform across the housing market. Rather, there will be regional variations, with previously white-hot markets seeing extreme downward swings relative to less popular markets, Dougherty says.

Keep in mind that home appreciation has skyrocketed abnormally in recent years. The average selling price of a home jumped 45% to $542,900 in the third quarter of this year compared to the second quarter of 2020, according to the St. Louis Fed.

When it comes to mortgage rates, some experts predict that the best case scenario for a 30-year fixed rate will be around 5.5% by the end of 2023. Others expect rates to remain in the 6.5% to 7.5% range throughout the year, Freddie Mac predicting an average of 6.4% in a recent forecast.

Related: Mortgage forecast for 2023

Advice for homebuyers in 2023

Given the ongoing fluctuations and uncertainties in the housing market, trying to figure out when to get a mortgage often requires more luck than skill. Real estate experts generally suggest buying the home that’s right for you and your needs – and staying there for at least five years – rather than timing the market.

Nonetheless, there are still steps you can take now that will put you in a stronger position when you’re ready to shop around for a mortgage.

“Take the time to research and understand the market,” says Ward Morrison, president and CEO of Motto Franchising, the Denver-based company behind Motto Mortgage. “Also be sure to research a variety of loan types.”

Here are other ways to be proactive:

  • Understand your credit score. See if there are ways to improve your credit score. If you can increase your score, it will help you get a lower mortgage rate, which means lower mortgage payments.
  • Meet the lenders. Getting to know the lenders and loans you potentially qualify for will put you in a stronger position once you’re ready to buy a home. Shop online, by phone or in person at a branch to find the best mortgage lender for you.
  • Review your financial situation. Look at your monthly debt payments against your usual income to determine a comfortable monthly payment amount so you know how much house you can afford. You may find that you have to broaden your search to places where house prices are lower.
  • Use a mortgage calculator. Once you have an idea of ​​the types of loans you qualify for, calculate your estimated monthly payments, enter your numbers into calculators such as a 30 Year Fixed Mortgage Calculator, 15 Year Fixed Mortgage Calculator, FHA Loan Calculator Where mortgage amortization calculator.
  • Manage your money. Use this time to save money on your down payment. The more you can invest in a home, the smaller the loan you’ll need and the less you’ll pay for a mortgage overall.

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IMF Executive Board Completes Review of Mexico’s Performance Under Flexible Line of Credit Agreement https://kr2k.com/imf-executive-board-completes-review-of-mexicos-performance-under-flexible-line-of-credit-agreement/ Thu, 17 Nov 2022 18:07:37 +0000 https://kr2k.com/imf-executive-board-completes-review-of-mexicos-performance-under-flexible-line-of-credit-agreement/ IMF Executive Board Completes Review of Mexico’s Performance Under Flexible Line of Credit Agreement November 17, 2022 The IMF has completed its standard mid-term review of Mexico’s qualification under the Flexible Credit Line (FCL), […]]]>

IMF Executive Board Completes Review of Mexico’s Performance Under Flexible Line of Credit Agreement







November 17, 2022











  • The IMF has completed its standard mid-term review of Mexico’s qualification under the Flexible Credit Line (FCL), initially approved on November 19, 2021, with an access level of approximately $50 billion.
  • Mexico continues to qualify for the FCL due to its very strong fundamentals and institutional policy frameworks and track record of economic performance and policy implementation.
  • Given the rise in external risks since the start of the agreement, the Mexican authorities have chosen not to request a reduction in access during this review, but remain committed to pursuing a gradual exit trajectory, subject to the evolution of external risks. Authorities intend to continue to treat the arrangement as a precautionary device.





Washington D.C.:
On November 16, 2022, the Executive Board of the International Monetary Fund (IMF) completed its review of Mexico’s qualification for the Flexible Credit Line (FCL) arrangement and confirmed Mexico’s continued qualification for access FCL resources. The current two-year FCL arrangement for Mexico in an amount equivalent to SDR 35.6508 billion (400 percent of quota, or about $50 billion)1 was approved by the IMF Executive Board on November 19, 2021 (see

Press release no. 21/340

). The Mexican authorities have indicated their intention to treat the arrangement as a preventive measure.

Following the Board discussion on Mexico, Ms. Antoinette Sayeh, Deputy CEO and Acting Chair, made the following statement:

“Mexico’s recovery from the pandemic is underway, but a more turbulent external environment, soaring global inflation and tighter global financial conditions, and slowing U.S. economic activity present new challenges and risks. for recovery. The economy has nevertheless shown resilience thanks to its very strong policies and institutional frameworks, including a flexible exchange rate regime, a credible inflation targeting framework, a fiscal responsibility law and a financial sector. well regulated.

“The Mexican economy remains exposed to external risks. The global surge in inflation triggered a series of monetary tightening, growing global risk aversion and threatened growth. Elevated risks from a slowing advanced economy, a disorderly tightening in global financial markets, Russia’s invasion of Ukraine, a slowdown in China and swings in commodity prices continue to cloud the outlook . The Flexible Credit Line (FCL) will continue to play an important role in supporting the authorities’ macroeconomic strategy by providing insurance against tail risks and boosting market confidence.

“The authorities have a proven track record of sound policy management and are firmly committed to maintaining prudent policies going forward. Due to increased external risks, they decided to maintain their current access levels, but nevertheless reaffirmed their commitment to pursue a gradual exit trajectory, conditional on the evolution of external risks. Authorities intend to continue to treat the arrangement as a precautionary measure.


IMF Communications Department
MEDIA RELATIONS

PRESS OFFICER: Maria Candia Romano

Call: +1 202 623-7100E-mail: MEDIA@IMF.org

@IMF Spokesperson




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DOT forces more airlines to pay, announces $600 million in passenger refunds https://kr2k.com/dot-forces-more-airlines-to-pay-announces-600-million-in-passenger-refunds/ Mon, 14 Nov 2022 23:36:29 +0000 https://kr2k.com/dot-forces-more-airlines-to-pay-announces-600-million-in-passenger-refunds/ The US Department of Transportation asked six other airlines to pay. The ministry announced on Monday that it had forced the six airlines to pay more than $600 million in total in refunds that had accrued during the COVID-19 pandemic. In addition to refunds, the airlines must collectively pay $7.25 million in civil penalties for […]]]>

The US Department of Transportation asked six other airlines to pay.

The ministry announced on Monday that it had forced the six airlines to pay more than $600 million in total in refunds that had accrued during the COVID-19 pandemic. In addition to refunds, the airlines must collectively pay $7.25 million in civil penalties for taking too long to reimburse passengers.

Want more airline-specific news? Sign up for TPG’s free bi-weekly aviation newsletter.

“When a flight is cancelled, passengers requesting a refund must be promptly reimbursed,” Transportation Secretary Pete Buttigieg said in a statement. money back. A flight cancellation is frustrating enough, and you shouldn’t have to haggle or wait months for your refund either.

In total, the DOT’s Aviation Consumer Protection Bureau has issued $8.1 million in penalties so far this year, a record.

There is only one US carrier on Monday’s list of airlines fined – Frontier Airlines. The ultra-low-cost carrier must repay $222 million in refunds and was fined $2.2 million.

The other five airlines are:

  • Air India, which must pay 121.5 million dollars in refunds and a fine of 1.4 million dollars.
  • TAP Portugal, which must pay $126.5 million in refunds and a fine of $1.1 million.
  • Aeromexico, which must pay $13.6 million in refunds and a fine of $900,000.
  • El Al, who must pay $61.9 million in refunds and a $900,000 fine.
  • Avianca, which must pay $76.8 million in refunds and a fine of $750,000.

In a statement, Frontier noted that it was paying $1 million out of pocket, after receiving $1.2 million in goodwill credit for providing the refunds.

Frontier Airlines issued more than $92 million in refunds and redeemed credits and vouchers to customers who voluntarily canceled their non-refundable tickets during the pandemic and were not entitled to a refund under US law. Additionally, the company provided more than $2.7 million in refunds by voluntarily applying a more generous definition of a long delay than was in effect at the time for customers who booked and purchased their tickets between 25 March and October 27, 2020. These goodwill repayments of nearly $100 million demonstrate Frontier’s commitment to treating our customers fairly and flexibly. Under the terms of the Consent Order, Frontier will make a total disbursement in the amount of $1 million, after receiving a Goodwill Reimbursement Credit of $1.2 million.

When demand for air travel quickly dried up at the onset of the COVID-19 pandemic, many airlines dramatically delayed refunds or offered vouchers instead, in an effort to preserve valuable cash. US law requires timely reimbursement when an airline cancels a flight or significantly changes its schedule, although the government has never specifically quantified what constitutes “timely”.

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“The clock effectively starts at the start of the pandemic on these enforcement actions and these represent an end result,” Buttigieg said during a call with reporters announcing the sanctions.

After: Air Canada squeals $2 million fine for not refunding passengers

Monday’s action comes almost exactly one year after the DOT fines Air Canada $4.5 million in a lengthy reimbursement saga that played out in public, though Air Canada ended up paying just $2 million out of pocket.

And, Buttigieg said, the department isn’t done with asking consumers for big refunds just yet.

“We have other enforcement actions and investigations underway and there may be more news to come in the form of fines,” he said.

Buttigieg’s DOT has been heavily consumer-focused. Earlier this month, Buttigieg sent a letter to airline executives with suggestions on how to reduce flight delays around Florida and Mountain West. Earlier this year, the Ministry unveiled a dashboard which shows the type of accommodations passengers on US carriers receive when a delay or cancellation is within the control of the airline.

“As people prepare to fly this holiday season, we want passengers to know that the USDOT has their backs of course when it comes to safety, but also when it comes to meeting these important customer service standards. customer base,” Buttigieg said.

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Spartans set multiple program records in Rout of Davidson https://kr2k.com/spartans-set-multiple-program-records-in-rout-of-davidson/ Sat, 12 Nov 2022 05:56:46 +0000 https://kr2k.com/spartans-set-multiple-program-records-in-rout-of-davidson/ History links DAVIDSON, North Carolina – Michigan State’s struggle set several program records, including the most team points and largest margin of victory in school history on Friday, as the Spartans recorded a 52-0 result over the Davidson Wildcats inside the John M. Belk Arena. MSU climbs to 1-0 after its biggest […]]]>

DAVIDSON, North Carolina – Michigan State’s struggle set several program records, including the most team points and largest margin of victory in school history on Friday, as the Spartans recorded a 52-0 result over the Davidson Wildcats inside the John M. Belk Arena.

MSU climbs to 1-0 after its biggest goal production in program history, topping a 51-0 outing against Cuyahoga Community College on Dec. 9, 1995. The 52-point margin of victory also tops the game against Cuyahoga CC for the highest margin score in the program’s history. Against Division I opponents, Michigan State’s 52-point outing Friday night broke the previous record of 47, totaled against Western Michigan on Jan. 19, 1982. In the loss, the Wildcats open the double season 0-1.

The Spartans bowled six on the night and picked up six more runs by forfeit in the heavyweight division, with second Nick West credited for the Wildcat default. Opening with a 6-0 lead already in hand, the Greens and Whites kicked things off with a dominant performance from the juniors Tristan Lujan at 125. The Selma, Calif., native posted a four-minute, 52-second drop over Devon Diaco who pulled MSU ahead 12-0.

No. 9 Rayvon Foley battled Jackson Sichelstiel in the fight at 133 pounds, recording an 18-3 technical fall at 6:32 to extend Michigan State’s lead to 17. A pair of pins by Jordan Hamdan on Matt McLaughlin at 141 and Peyton Omania against Noah Frack at 149 led to a 29-0 Spartan advantage. The points continued to rain down for the Greens and Whites as the duel progressed, with the No.18 Chase Saldate booking a major 9-1 decision over Mark Koch at 157 pounds. No. 32 Caleb Fish recorded a 2-1 decision over Jaden Hardrick in the 165-pound bout to put MSU ahead, 36-0.

Luke Daly saw the Spartans’ lead expand to 40 team points, as the second from Carbondale, Illinois completed their major 14-1 decision over Brett Sanderlin at 174. No. 20 Layne Malczewski posted the most dominant win of the night, pinning Oliver Tipton in just one minute and 53 seconds at 184 pounds. The final fight of the night featured No. 15 Cameron Caffey against Gavin Henry, and the MSU captain capped the night’s record with a pin at 2:59 that completed the result 52-0.

Eight of the 10 Spartans in the roster have recorded their first official wins of the 2022-23 season on an individual basis. Fresh off a fourth-place finish in the 141-pound weight class at the MSU Open, Hamdan’s record improves to 6-2 overall after his pin Friday night. Fish, a native of Eaton Rapids, Mich., climbs to 5-1 after taking third at the MSU Open at 165 and posting a decision over Davidson.

NEXT

The Michigan State fight continues its journey through the Carolinas on Saturday, Nov. 12, as the Spartans take on the Presbyterian Blue Hose at 3:30 p.m. from Summerville High School in Charleston, South Carolina.

POST-MATCH QUOTES
MICHIGAN STATE QUOTES
The head coach Roger Chandler

“It’s just a continuation of what we told our guys before the season: set the tone for your season, look to go out and score points and make a statement. Overall most of our guys did it tonight. They were looking to score points. They were attacking. All the points we scored came offensively, not defensively, which is great. The result of the duel was largely down to bonus points, and in the end, I give our guys a lot of credit for achieving that.”

WRESTLING MATCH RESULTS
Michigan State 52, Davidson 0
John M. Belk Arena – Davidson, North Carolina

285 | Nick West (MSU) by forfeit | USM 6-0
125 | Tristan Lujan (MSU) falls on Devon Diaco (DAV) 4:52 | USM 12-0
133 | #9 Rayvon Foley technology. fall on Jackson Sichelstiel (DAV) 18-3, 6:32 | USM 17-0
141 | Jordan Hamdan falling on Matt McLaughlin (DAV) 5:33 | USM 23-0
149 | Peyton Omania falling on Noah Frack (DAV) 2:22 | USM 29-0
157 | #18 Chase Saldate (MSU) major Dec. Mark Koch 9-1 | UMS 33-0
165 | #32 Caleb Fish (MSU) Dec. Jaden Hardrick (DAV) 2-1 | UMS 36-0
174 | Luke Daly (MSU) major Dec. Brett Sanderlin (DAV) 14-1 | MSU 40-0
184 | #20 Layne Malczewski (MSU) falls on Oliver Tipton (DAV) 1:53 | UMS 46-0
197 | #15 Cameron Caffey (MSU) falls on Gavin Henry (DAV) 2:59 | MSU 52-0

FOLLOW THE SPARTATS

Visit MSUSpartans.com for more information on Michigan State’s wrestling. Fans can keep up to date with the Spartan Wrestling team on Facebook, Instagram and Twitter by following @MSU_Wrestling.








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Capitals’ Alex Ovechkin breaks Gordie Howe’s record for most goals with an NHL team https://kr2k.com/capitals-alex-ovechkin-breaks-gordie-howes-record-for-most-goals-with-an-nhl-team/ Sun, 06 Nov 2022 00:36:10 +0000 https://kr2k.com/capitals-alex-ovechkin-breaks-gordie-howes-record-for-most-goals-with-an-nhl-team/ USATSI Alex Ovechkin entered a category all his own in the NHL record books on Saturday night, scoring his 787th career goal to give him the all-time record for most goals scored for a single team. Ovechkin’s 787th career goal with the Washington Capitals surpassed the league record previously held by Detroit Red Wings legend […]]]>
usatsi-19368977-168395753-lowres-1.jpg
USATSI

Alex Ovechkin entered a category all his own in the NHL record books on Saturday night, scoring his 787th career goal to give him the all-time record for most goals scored for a single team. Ovechkin’s 787th career goal with the Washington Capitals surpassed the league record previously held by Detroit Red Wings legend Gordie Howe.

Ovechkin’s historic goal came on a power play early in the second period, and he scored the opening goal of the Capitals’ Saturday night game against the Arizona Coyotes.

The Capitals drafted Ovechkin with the No. 1 pick in the NHL Draft in 2004, and he’s been torturing opposing goaltenders ever since. Ovechkin scored at least 50 goals in nine different seasons and he also won the Maurice Richard Trophy as the league’s top scorer nine times.

To Howe’s credit, he didn’t end his scoring streak with the Red Wings because he left hockey after an illustrious career. Instead, Howe continued to play alongside his sons on the WHA’s Houston Aeros and New England Whalers. When the WHA folded and the Hartford Whalers joined the NHL in the 1979–80 season, Howe scored 15 more goals at the age of 51.

Ovechkin, 37, continues to roll, placing himself among the best players in the sport while chasing Wayne Gretzky’s all-time goalscoring record. Gretzky holds a substantial lead with his 894 career goals, so Ovechkin still has some work to do. That said, Ovechkin has passed Mr. Hockey in the record books, and he’s shown no real signs of slowing down offensively.

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DBS profit jumps 32% to record on rates, signals upbeat outlook https://kr2k.com/dbs-profit-jumps-32-to-record-on-rates-signals-upbeat-outlook/ Thu, 03 Nov 2022 01:17:00 +0000 https://kr2k.com/dbs-profit-jumps-32-to-record-on-rates-signals-upbeat-outlook/ Net profit of S$2.24 billion in the third quarter compared to S$1.97 billion Return on equity jumps to a record 16.3% CEO says asset quality remains resilient Banks take advantage of rising interest rates SINGAPORE, November 3 (Reuters) – DBS Group (DBSM.SI) announced a 32% jump in quarterly profits, beating forecasts, to a record high […]]]>
  • Net profit of S$2.24 billion in the third quarter compared to S$1.97 billion
  • Return on equity jumps to a record 16.3%
  • CEO says asset quality remains resilient
  • Banks take advantage of rising interest rates

SINGAPORE, November 3 (Reuters) – DBS Group (DBSM.SI) announced a 32% jump in quarterly profits, beating forecasts, to a record high and gave a bullish outlook on Thursday, as higher interest rates boosted net interest margins in North Asia’s largest lender. South East.

Banks around the world have benefited from an increase in net interest income as central banks raise rates to combat soaring inflation, although analysts warn they could suffer if higher rates led to a sharp slowdown in economic activity.

Shares of DBS, however, fell 1.6% in early trade Thursday, as the broader Singapore market fell around 1%.

UOB Local Peer Group (UOBH.SI) beat market estimates last week with record quarterly net profit as net interest income swelled and loan provisions declined. OCBC (OCBC.SI) reports results on Friday.

Net profit for Singapore-based DBS came to S$2.24 billion ($1.58 billion) in July-September, beating an average estimate of S$1.97 billion from four analysts , according to data from Refinitiv.

The bank saw sustained business momentum in the quarter and asset quality held up, DBS CEO Piyush Gupta said in a statement. Looking ahead to next year, he said the lending pipeline remained healthy and could reach mid-single-digit growth.

While the bank’s net commission and fee income fell 13% in the quarter, hurt by weak wealth management business in depressed markets, Gupta expects double-digit fee income growth for next year, driven by wealth management and credit cards.

DBS’ return on equity reached a record 16.3% in the quarter and net interest income jumped 44%. Its net interest margin, a key indicator of profitability, improved to 1.90% during the quarter against 1.43% a year earlier.

Shares of Singaporean banks have risen 4-6% so far this year, outperforming the broader market on expectations of a sharp expansion in their net interest margins.

Reporting by Anshuman Daga; Editing by Muralikumar Anantharaman and Richard Pullin

Our standards: The Thomson Reuters Trust Principles.

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Five takeaways from Georgia’s second gubernatorial debate https://kr2k.com/five-takeaways-from-georgias-second-gubernatorial-debate/ Mon, 31 Oct 2022 02:03:00 +0000 https://kr2k.com/five-takeaways-from-georgias-second-gubernatorial-debate/ CNN — Georgia Republican Governor Brian Kemp and Democratic candidate Stacey Abrams clashed their second and final gubernatorial debate Sunday night, with just over a week to go until Election Day amid record early voting. They argued over the state’s economy, abortion rights and, a sign of the race’s national implications, which party should be […]]]>



CNN

Georgia Republican Governor Brian Kemp and Democratic candidate Stacey Abrams clashed their second and final gubernatorial debate Sunday night, with just over a week to go until Election Day amid record early voting.

They argued over the state’s economy, abortion rights and, a sign of the race’s national implications, which party should be blamed for the country’s woes.

Kemp led most of the polls in the race, but Abrams – who came within a few thousand votes of pushing their 2018 race to a second round – has a strong base of support and has managed to help mobilize Democrats in his campaigns and those of other high-ranking Democratic candidates, including President Joe Biden and the Sens. Raphael Warnock and Jon Ossoff in their 2020 campaigns.

There are 36 states voting for governor this year, 20 of which — including Georgia — are Republican-backed. The state legislature is controlled by Republicans who, with Kemp’s endorsement, signed into law an abortion bill three years ago that bans the procedure as early as the sixth week of pregnancy, with some exceptions. . Now that Roe v. Wade was overruled by the Supreme Court, this law is in force and further restrictions may be in the works.

Abrams sharply criticized Kemp on the issue, noting his refusal to make it clear whether he would sign new legislation from anti-abortion Republicans. Kemp, in turn, has repeatedly sought to pivot the conversation on the economy — particularly inflation and Georgia’s relative prosperity despite it — while trying to portray Abrams as a progressive radical who wants to remove the police funding. (His position is considerably more complicated.)

Here are five takeaways from the second Georgia gubernatorial debate:

Is Georgia booming, as Kemp says, or is it nearing a calamitous collapse, as Abrams argued?

The candidates painted starkly different portraits of the state’s economic situation, with Kemp pointing to higher wages and low unemployment — and blaming any pain on inflation, which he attributed to Democratic policies in Washington — while ‘Abrams singled out a low minimum wage and Kemp’s refusal to accept Medicaid expansion funds under Obamacare as twin albatrosses carried by Georgia’s working class.

Kemp summed up his views at the start and end of the debate. His closing statement applauded the “lowest unemployment rate in our state’s history,” “the most people ever working in our state’s history,” and “the economic opportunity, no matter your zip code or neighborhood, as we focused on strengthening rural Georgia and more.

Abrams saw something radically different.

“The economic pain people are feeling is real,” Abrams said. “As governor, not only will I cut costs, I’ll put more money in the pockets of working Georgians, middle-class Georgians, but I won’t just give tax cuts to the wealthy. and to the mighty.”

Kemp argued that the state’s one-time billion dollar tax credit this year was only possible because of his maneuvering during the worst of the Covid-19 pandemic, when he was among the first to reopen businesses, and pointed to a recent gas tax holiday as emblematic of his work to make life more affordable for middle-class voters.

Where that failed, he tried to blame it on the north – on the White House.

“The problem (facing Georgians) is that (wages) aren’t growing fast enough to keep up with Joe Biden’s inflation,” Kemp replied when Abrams challenged his description of the state’s economic situation. .

In a sense, the abortion debate has stalled in Georgia. The state has a books law, passed three years ago, that prohibits the procedure after about six weeks. And with the Supreme Court’s Dobbs decision, it’s now in effect.

But Abrams and the debate moderators had another question for Kemp: With no federal limits in place, would the Republican, if reelected, sign new restrictions into law?

Kemp didn’t give a straight yes or no answer, saying he didn’t want to prejudge “a specific bill without seeing exactly what it does,” before adding, “It’s not not my desire to go back, to move the needle further.

“He didn’t say he wouldn’t,” Abrams replied — pointing to the lingering uncertainty around the issue, which moderators noted remains divisive in the state. where more than half of respondents in a recent survey support abortion rights.

Abrams framed his argument around concerns about privacy and women’s health, describing abortion as “a medical decision”, one that should only be made by “a doctor and a woman, not a politician”.

Kemp, in a back-and-forth on limits and exceptions, described his own wife’s miscarriage and the difficulties they faced having children (he now has three daughters).

“It’s a tragic and traumatic situation,” he said of the miscarriages, pushing back against Abrams’ warning that the state could, under GOP scrutiny, end up investigating women who suspect them of having had an abortion. Kemp denied that the women would ever be punished for undergoing the procedure.

Abrams, seeking to tie the issue to broader concerns about access to health care in the state, noted that under current state law, the ban goes into effect “before the most women don’t know they’re pregnant” — an especially troubling fact given the dwindling number of OB-GYNs in Georgia.

They are not gubernatorial candidates, but they are a priority for many in Georgia.

For Democrats, it’s GOP Senate candidate Herschel Walker, who has become a symbol of what his critics describe as Republican hypocrisy on issues like abortion, support for law enforcement and the business knowledge.

On the Republican side, President Joe Biden is the go-to boogeyman for most economic issues, with GOP candidates and their surrogates relentlessly trying to tie Democratic candidates to the president and the skyrocketing inflation that has occurred. during his tenure.

“Americans are hurting right now because of a disastrous political agenda from Joe Biden and the Democrats who totally control Washington DC,” Kemp said when his economic record came under attack.

Abrams, in turn, called out Kemp’s support for Walker during their abortion battle.

“(Kemp) refuses to defend us and yet he defended Herschel Walker, saying he didn’t want to be involved in his running mate’s personal life, but he doesn’t mind being involved in women’s personal medical choices. in Georgia,” Abrams said.

Walker, who has repeatedly said in the past that he favors a total ban on abortion with no exceptions, is facing allegations from two women who say he urged them to have abortions. Walker denied their allegations.

During their first debate, Abrams said Kemp shouldn’t get too much credit for sticking to the law and not giving in to former President Donald Trump’s efforts to undo his 2020 loss to Georgia.

There was less talk two years ago this time – and virtually no mention of Trump throughout the night – but voting rights, in particular a new law known as SB 202, made headlines. object of scrutiny from Abrams.

“The right to vote is sacred to me. … It’s an abomination, SB 202, that allowed racists, white supremacists to challenge the legal authority of citizens to vote,” she said.

In response to news of record early voting turnout, Abrams argued that “the fact that people are voting is in spite of SB 202, not because of it.”

Kemp, as he did in their first debate, accused Abrams of trying to “manipulate and scare people back home” and defended the state as a place where it’s “easy to vote and hard to cheat.”

When asked, both candidates said they would accept the November election results regardless of the outcome – a remarkable question mainly because it has become a staple of campaign debates across the country in following the 2020 elections.

The crime debate, both nationally and in statewide races, tends to follow similar paths.

Republicans criticize Democrats for being soft on crime and tough on the police, often citing the short-lived “defund the police” movement against their opponents. Democrats push back, touting their support for law enforcement, before swinging to GOP opposition to new gun restrictions.

And so it went in Georgia on Sunday night.

“Go check the file, because Ms. Abrams on CNN got asked the question, would she fund the police? And she said, yes, we have to reallocate resources. It means cutting the defunding of the police,” Kemp said.

Abrams denied that claim, saying Kemp was “lying again” about his record — which, indeed, is more nuanced — before turning to the Republican’s record of easing gun restrictions.

“Guns are the number one killer of our children. We have the ninth highest rate of gun violence in the country. Domestic gun violence has increased 18% under this governor, and his response has been to weaken gun laws in the state of Georgia,” Abrams said.

In fact, Abrams and Kemp have gone out of their way during this campaign to emphasize their support for law enforcement. Abrams has offered $25 million in state grants to local agencies that would go to boost police salaries, while Kemp has repeatedly touted his support from top law enforcement officials, the vast majority of whom have endorsed his campaign for a new term.

This story has been updated with additional information.

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What is falling asleep? How to tap into this clever way to save using 0% interest credit card offers https://kr2k.com/what-is-falling-asleep-how-to-tap-into-this-clever-way-to-save-using-0-interest-credit-card-offers/ Fri, 28 Oct 2022 14:45:00 +0000 https://kr2k.com/what-is-falling-asleep-how-to-tap-into-this-clever-way-to-save-using-0-interest-credit-card-offers/ In the cost of living crisis, people are turning to all sorts of ways to make – and save – money. One of the hacks making a comeback is stoozing – the art of making money from 0% interest periods. To “sleep”, savers must first take out a 0% interest credit card and use it […]]]>

In the cost of living crisis, people are turning to all sorts of ways to make – and save – money.

One of the hacks making a comeback is stoozing – the art of making money from 0% interest periods.

To “sleep”, savers must first take out a 0% interest credit card and use it for all their expenses.

During this time, you will need to put all of your earnings into a savings account at the highest possible interest rate.

When the 0% offer ends, you can either use your savings to clear your card or transfer your balance to another 0% card.

You will then benefit from the interest that you have accumulated in the bank account over time. For example, if you maintain an average savings balance of £1,500 for 12 months in a best-buy easy access account paying 2.8%, you will earn £42 in interest in one year.

According Money saving expertone of the largest amounts known was £80,000 which saved the ‘stoozer’ around £5,000 a year as the money was used to offset their flexible mortgage.

More Savings and banking

Although experts point out that these numbers cannot be matched now, it is still possible to earn free money.

Personal finance expert Andrew Hagger of Moneycomms.co.uk points out that to start sleeping you need to have a near-perfect credit history to get the best 0% credit card deals.

He explains: “Lenders are now tightening their underwriting criteria, due to the impact of the cost of living crisis. This means that card limits will likely be much smaller than they were a few years ago.

Currently you can borrow for up to 24 months at 0% on purchases with NatWest, Barclaycard, M&S and Sainsbury’s – however, depending on your credit history, you may be offered a 0% shorter term than advertised .

Remember that you still need to make the minimum payment each month – if you miss just one, your 0% offer will immediately terminate.

But experts think there are better ways to boost your bank account.

Hagger concludes: “I think the best way to save is to create a standing order in a savings account for the day you get paid each month – that way you get used to the money not being not in your checking account (and the temptation to spend it) while your savings balance grows month by month.

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State Farm Drive Safe & Save: 2022 Review https://kr2k.com/state-farm-drive-safe-save-2022-review/ Tue, 25 Oct 2022 20:56:56 +0000 https://kr2k.com/state-farm-drive-safe-save-2022-review/ State Farm Drive Safe & Save™ can reduce auto insurance rates by up to 30%, according to the company’s website. We at the Home Media review team wanted to find out the validity of this claim, so we took an in-depth look at State Farm’s telematics program. Keep reading to learn more about State Farm […]]]>

State Farm Drive Safe & Save™ can reduce auto insurance rates by up to 30%, according to the company’s website. We at the Home Media review team wanted to find out the validity of this claim, so we took an in-depth look at State Farm’s telematics program.

Keep reading to learn more about State Farm Drive Safe & Save and to determine if the program is right for you. You will also receive some recommended alternatives from our list of best car insurance companies that have their own telematics programs.

What is State Farm Drive Safe & Save?

Drive Safe & Save is State Farm’s telematics insurance program. This system and other usage-based insurance systems offered by most major providers use location-based services and other GPS-enabled technologies to monitor driving habits and adjust policyholder rates accordingly. .

How does Drive Safe & Save work?

State Farm Drive Safe & Save works by tracking how you drive, how much you drive, and other actions you take while driving your vehicle. With recent developments in technology, there are several ways for Drive Safe & Save to obtain diagnostics on your driving behaviors.

Follow with a smartphone

The most common way to use the program is through the Drive Safe & Save mobile app, available for iOS and Android devices. Once activated, this app not only tracks your driving habits, but also instances when you take your phone while driving or engage in other dangerous behaviors.

Follow with a connected car

Drivers of 2020 or newer Ford and Lincoln vehicles do not need an app to use Drive Safe & Save. The technology built into these cars allows them to connect to the program on their own without the need for an app on your iPhone or Android device. Instead, these cars can provide telematics data through your FordPass or Lincoln Way account, if you have one.

Track with OnStar

People who have an active OnStar account can also log into State Farm Drive Safe & Save without using the mobile app. An OnStar account can report data to the program to make adjustments to your State Farm auto insurance premiums.

What is Drive Safe & Save Monitor?

There are a number of practices that can make you more or less likely to have an accident. In general, State Farm Drive Safe & Save monitors the habits that have the greatest impact on your crash risk, including:

  • Accelerate: Stepping on the accelerator rather than accelerating more gradually may increase the risk of an accident. Drive Safe & Save penalizes drivers who often accelerate too hard by increasing their cadence.
  • Braking: Sudden stops are sometimes unavoidable, but a large number of them can indicate that a driver is not paying attention. With State Farm Drive Safe & Save, you’ll get lower rates if you practice stopping gradually before the need becomes immediate.
  • Turn: The safest way to corner is to slow down on entry and gradually speed up on exit. Your State Farm rates will likely go up if you consistently corner too hard or too fast.
  • Miles traveled: Your annual mileage is a major factor in your rates because the fewer kilometers you travel, the less risk you have of having an accident. Reducing your odometer mileage could pay you big car insurance discount.
  • Speeding: Speed ​​is one of the main factors determining the probability of an accident. Maintaining a safe speed on the road can lower your fares with Drive Safe & Save.
  • Hourly: Certain times of the day, such as rush hour and late at night, carry higher accident risks than others. Avoiding driving during these times could result in lower insurance premiums.
  • Telephone use: Distracted driving is one of the main causes of road accidents. The Drive Safe & Save app penalizes you for picking up your phone while driving a vehicle.

How to configure Drive Safe & Save

Enrolling in Drive Safe & Save only takes a few steps and does not require the assistance of a State Farm agent. Most motorists should do the following when setting up the service:

  1. Get the app: You can download the State Farm Drive Safe & Save app from Google Play or from the Apple App Store. You can also text “SAVE” to 42407 for a download link.
  2. Configure your account: Follow the instructions in the app to prepare your account.
  3. Connect your car: State Farm will send you a Bluetooth beacon to install on your vehicle along with instructions on how to set it up. Once you have installed this Drive Safe & Save transmitter, you are ready to start with the program.

How to configure the Drive Safe & Save tag

In addition to the mobile app, State Farm Drive Safe & Save uses a Bluetooth beacon to track your driving behavior. Its installation is extremely simple and only takes a few minutes.

  1. Get your beacon: Once you have enrolled in the Drive Safe & Save Insurance Program, State Farm will send you a beacon.
  2. Associate your beacon: Open your Drive Safe & Save app and tap “Complete setup”. Next, press and hold the button on your beacon until it lights up. Return to the app and tap the ID that matches the one printed on the side of your tag.
  3. Mount your beacon: Once you receive a message on the app that your transmitter has been paired, remove the sticker from the back of the tag and install it. Choose a location that won’t obstruct your vision and won’t shake your beacon while driving.

How to Reduce Fares with Drive Safe & Save

By adopting good driving habits, you can significantly reduce your fares with State Farm Drive Safe & Save. Here are some steps to follow to find cheap car insurance:

  • To slow down
  • Brake gently
  • Ease in turns
  • Put down the phone
  • Avoid rush hours and late nights
  • Drive less

Can your rates increase with Drive Safe & Save?

Drivers can save up to 30% with a Drive Safe & Save account according to StateFarm.com. However, these potential savings are far from guaranteed. While being a safe driver can significantly lower your rates, unsafe driving habits will cause them to rise. While it would be difficult for you to break bad driving characteristics, State Farm Drive Safe & Save could end up costing you more in the end.

Who is Drive Safe & Save for?

State Farm Drive Safe & Save can be a good option for many motorists, including:

  • High risk drivers: If you’re struggling to find affordable insurance because of a less than perfect driving record, Drive Safe & Save can help bring those rates down. However, this is only a possibility if you avoid irresponsible behavior on the road.
  • Young drivers: Teen Drivers and other young drivers typically face the highest insurance rates, regardless of their driving record. A telematics program can help make coverage a bit more affordable.
  • Drivers with bad credit: A poor or even average credit score can cause you to pay higher premiums, which makes a telematics program a good way to lower rates.
  • Good drivers: People who already practice safe driving habits can use Drive Safe & Save to inform State Farm, saving them a lot of money.

State Farm Drive Safe & Save: Conclusion

With State Farm Drive Safe & Save, motorists have the opportunity to lower their car insurance costs based on their driving habits. This can be particularly useful for people who might otherwise face high premiums due to a number of factors.

However, it is important to be realistic about your own driving behaviors before enrolling in the program. Drive Safe & Save could drive up your rates if you’re not a safe driver.

State Farm Drive Safe & Save: Recommended Alternatives

State Farm Drive Safe & Save is not the only such program, as most major auto insurers have their own telematics programs. Although pricing varies with each plan, they do so based on your initial quote. Shop for compare car insurance quotes will help you find the lowest initial premiums.

Geico: affordable rates for most drivers

Geico’s answer to Drive Safe & Save is DriveEasy. The program works in much the same way, giving you a report card that outlines your safe and unsafe driving practices. Our team has found that Geico consistently offers some of the lowest rates for drivers across the country. Between the low upfront rates and the DriveEasy program, most drivers find affordable coverage with Geico.

Keep reading: Geico Insurance Review

Travellers: most coverage options

In our 2022 industry-wide insurance study, we found that Travelers offers one of the largest selections of coverage options in the country. With IntelliDrive, a traveler telematics program, drivers can potentially save money on highly personalized insurance policies. On top of that, Travelers offers a wide range of easily accessible discount opportunities.

Keep reading: Travelers Insurance Review

State Farm Drive Safe & Save: FAQs

Our Methodology

Because consumers rely on us to provide unbiased and accurate information, we’ve created a comprehensive rating system to formulate our ranking of the best car insurance companies. We’ve collected data on dozens of car insurance providers to score companies on a wide range of ranking factors. The end result was an overall score for each provider, with insurers who scored the most points at the top of the list.

In this article, we have selected companies with high overall ratings and cost ratings. Cost ratings were informed by auto insurance rate estimates generated by Quadrant Information Services and discount opportunities.

*Data correct at time of publication.

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DC Films’ ‘Black Adam’ earns a record (for Dwayne Johnson) $27 million on Friday https://kr2k.com/dc-films-black-adam-earns-a-record-for-dwayne-johnson-27-million-on-friday/ Sat, 22 Oct 2022 15:15:38 +0000 https://kr2k.com/dc-films-black-adam-earns-a-record-for-dwayne-johnson-27-million-on-friday/ Dwayne Johnson in “Black Adam” Discovery of Warner Bros. Ultimately, Warner Bros. Discovery didn’t need a Superman; they just needed a Black Adam. by Jaume Collet-Serra black adam (exam), the first four-quadrant, big-budget franchise mast since Thor: Love and Thunder beginning of July, nabbed $26.8 million on Friday. It easily topped the domestic box office […]]]>

Ultimately, Warner Bros. Discovery didn’t need a Superman; they just needed a Black Adam. by Jaume Collet-Serra black adam (exam), the first four-quadrant, big-budget franchise mast since Thor: Love and Thunder beginning of July, nabbed $26.8 million on Friday. It easily topped the domestic box office and marks the best opening day ever for a Dwayne Johnson star vehicle. Among his previous major plays, it is behind Fast Five ($34 million en route to an $86 million debut album), Fast & Furious 6 ($38 million for a Friday-Monday start of $117 million), Furious 7 ($67m/$147m) and Fate of the Furious ($46 million/$99 million). It should be noted that it is barely in Furious 7 (even though his few scenes featured a lot in the marketing) while this opening day is bigger than Fast & Furious Gifts: Hobbs & Shaw ($23m/$60m).

If it works like a newer Quick sequel, we’re looking at a domestic debut of $60-63 million. If it’s like legs Hobbs & Shaw Where Skyscraper, it will open closer to $70 million. If he goes out with a 3x weekend multiplier, that Rampage, Jumanji: The Next Level and San Andreashe will flirt with a Venom-a domestic debut worthy of $80 million. This seems unlikely given the poor reviews (45% and 5.2/10 on at Rotten Tomatoes) a B+ Cinemascore (not bad but not superlative) and the preloaded nature of the lowest rated DC Films (Batman versus Superman, the Man of Steel, etc.), but it is not impossible. The entire ‘DC Films New Superhero Movie’ fandom will mostly, but not entirely, overlap with the demographics of ‘Dwayne Johnson’s New Family Action Fantasy’, with the latter perhaps offering a real boost. Saturday and Sunday mornings.

Even if it preloads on weekends, black adam will open closer to Johnson’s big $55-60 million debut (Jumanji: The Next Level, San Andreas, Hobbs & Shaw) compared to its “mere” $35 million launches (Be Smart, Jumanji: Welcome to the Jungle, Rampage and Jungle Cruise). Anything over $61 million makes it the biggest non-fast furious opening weekend ever. This is arguably more important than the comparison to other DC/Marvel movies. black adam is the first DC/Marvel biggie where the main actor is taller than the main character since Nicolas Cage ghost rider in 2007 and before that, Wesley Snipes’ Blade in 1998. While we’re talking about a $195 million tentpole for a C-level superhero, for a movie that might not get a pre-Covid-sized boost in China, that’s still a very good opening by Johnson’s own standards.

black adam will open larger than Shazam! which received rave reviews and strong buzz for a $23 million first weekend on Friday and $57 million (including previews) in early 2019. Covid complications notwithstanding , this should be DC’s biggest debut for a non-Batman launch, and yes, I’m counting Joker as Batman-adjacent since Aquaman ($27.7 million Friday / $72 million weekend) in December 2018. It’s another business win for Walter Hamada’s departure and a modest validation of Dwayne Johnson’s relentless (self-)promotion. Discourse, twist and speculation on credit cookies, aside, black adam plays like a next-level Dwayne Johnson star vehicle so far with a little boost within the DC Films franchise. Or maybe vice versa. Anyway, and I say this as a compliment, I can’t wait to see Zachary Levi kick his ass in a few years.

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