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The Barriers to Buying a Home

first_img Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago  Print This Post Home / Daily Dose / The Barriers to Buying a Home Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Share Save Demand Propels Home Prices Upward 2 days ago Subscribe Servicers Navigate the Post-Pandemic World 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Sign up for DS News Daily Tagged with: Affordability Agents Budget Home Homebuyers HOUSING Mortgage Rates Owners.com Finding the right home is proving to be more difficult than it seems, according to a new survey by Owners.com.The survey of 1,800 consumers who recently bought a home revealed that this was one of the reasons why many recent homebuyers were also surpassing their budget. Nearly half (49%) of the respondents said that finding the right home was a challenge for them.As far as generations were concerned, millennials found it least difficult to find the right home, while 52% of Gen-Xers and 56% of baby boomers found it more challenging, the survey found. However, millennials found it more difficult to save for a down payment on the home compared to the older generations. In fact, 21% of millennials said that this was the most difficult aspect of buying a home compared with 15% Gen-Xers and 6% baby boomers.“It’s not surprising that recent homebuyers find it challenging to find the right home: many markets are still seller’s markets, and buyers often need to decide very quickly whether they should outbid the competition,” said Dario Cardile, VP, Growth at Owners.com. “When possible, homebuyers should work with brokerages that can capture their preferences effectively, and help them find their best match homes quickly. The key is providing buyers with the right information, a customized approach and the guidance of smart agents so they can find their dream home at the right price.”When it came to budgets, the survey revealed that more than one-third (38%) of respondents surpassed their budget, compared to 32% surveyed in 2018. These recent homebuyers exceeded their budget by $20,000 on average, a significant increase from 2018’s $16,510.However, it found that millennials tended to be more frugal in their spending than the older generations. In fact, 39% of the Gen-Xers surveyed went over budget by $35,000, while 27% of baby boomers went over budget by $25,000. Comparatively, while more millennials went over budget, they spent significantly lesser than last year.While 46% of millennials went over budget, by $12,000 on average, the amount was lesser than the $24,545 recorded for 40% millennials in 2018.Looking at the 2019 homebuying season, the survey found that affordability was the biggest barrier for homebuyers. When asked what they foresee as the biggest issues facing homebuyers this year, 41% of respondents stated affordability followed by rising interest rates (25%), buyer competition (12%), finding the right home (11%), and housing supply (10%). The Best Markets For Residential Property Investors 2 days ago in Daily Dose, Featured, Market Studies, News Servicers Navigate the Post-Pandemic World 2 days ago May 27, 2019 2,373 Views The Barriers to Buying a Home About Author: Radhika Ojha Affordability Agents Budget Home Homebuyers HOUSING Mortgage Rates Owners.com 2019-05-27 Radhika Ojha Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Best Markets For Residential Property Investors 2 days ago Previous: Ask the Economist: Moody’s Analytics’ Andres Carbacho-Burgos Next: Exercising Caution in Property Preservationlast_img read more

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EQ Wild West Tour takes IMCA Modifieds to five tracks, four states

first_imgDELTA, Utah (Feb. 25) – A dozen dates for traveling IMCA Xtreme Motor Sports Modifieds are on the schedule for the eighth annual EQ Cylinder Heads Wild West Tour. Five tracks in four states host events. Sweetwater Speedway in Rock Springs, Wyo., will be the only track holding two Friday-Saturday doubleheaders. Opening weekend is May 2 and 3 at Millard County Raceway in Delta, Utah. The first visit to Sweetwater follows on May 30 and 31. The series returns to Utah and Diamond Mountain Speedway at Vernal for June 27 and 28 shows. Great Basin Raceway in Ely, Nev., is site of the July 25-26 doubleheader. Next up are Aug. 22 and 23 dates at Atomic Motor Raceway in Atomic City, Idaho. The series concludes Sept. 12 and 13 at Sweetwater. The Tour Allstar race will also be held that weekend.Ricky Alvarado of Delta, Colo., is the three-time and defending series champion. All main events pay a minimum of $1,000 to win and are 2014 or 2015 Fast Shafts All-Star Invitational ballot qualifiers.IMCA Speedway Motors Weekly Racing National, Larry Shaw Racing Western Region, Allstar Per­formance State and special series, as well as local track points where applicable, will be given. National and regional bonus points will also be awarded to the champion.More information about the Wild West Tour is posted on the www.wildwestmodifiedtour.com website or available by contacting Series Director Ken Hansen at 435 646-3576 or 435 722-7075.last_img read more

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PPC in R2.7bn empowerment deal

first_img28 August 2008South African cement manufacturer PPC has unveiled a broad-based black economic empowerment transaction that will see a 15% stake in the company, presently valued at R2.7-billion, being transferred to a broad range of black shareholders.Those who stand to benefit from the transaction include company employees, an educational trust, a construction industry association trust, two community service groups, and strategic black partners.“Today heralds a significant achievement by the company as it reaches a key empowerment objective at the equity level,” PPC chief executive John Gomersall said in a statement this week.“We set out to ensure that the structure of the deal was as broad-based as possible, benefiting mainly black South African stakeholders.”Education and trainingA Construction Industry Associations Trust has been established to benefit existing and new black construction industry and related associations. The income of the trust will be allocated to specific projects which benefit previously disadvantaged individuals who are members of these associations.Furthermore, an external trust has been established to develop skills and provide benefits to primarily black individuals with educational and skills needs in the cement, lime and aggregates manufacturing, mining, construction and related industries.PPC internal trusts for employees, black managers and a small allocation to non-executive directors will be created to reward them for their years of creating value for the shareholders. Another internal trust will be established to provide benefits to the families of PPC employees.“At least 85% of the benefits from both external and internal trusts will be allocated to black people,” the statement read.Community serviceThe two community services groups taking part in the transaction are the Shalamuka Foundation and the Disability Empowerment Concerns Trust, who have together contributed R5.4-million of their own equity.The Shalamuka Foundation was formed in 2006 to raise long-term sustainable funding for the highly regarded Penreach programme, which provides teacher skills workshops to about 2 200 school teachers in 900 schools.The Disability Empowerment Concerns Trust was established in 1996 by organisations representing people with disabilities. Their activities touch over 2-million people of whom more than 85% are black.Adding valueThe four strategic black partners taking part in the transaction are Nozala, Peu, the iLima Portland Consortium and the Capital Edge Cement Consortium.“The strategic black partners were chosen because of their experience and involvement in the wider construction and mining arena and their ability to add value to PPC,” the statement read. “Most of them have broad-based black components such as ‘black women’ and ‘youth’ among their stakeholders.”According to the statement, PPC’s objective in pursuing the transaction is to ensure that its South African businesses achieve a Level 4 empowerment rating in terms of the BBBEE Codes of Best Practice by 2009.“Empowerment and transformation is at the heart of PPC and this is a significant stride towards broad-based equity ownership,” said Gomersall. “Today is not the end of a process but the dawn of a new chapter in PPC’s 116 year history.”This transaction is subject to the approval of shareholders at a general and a scheme meeting anticipated to be held on 11 November, while the effective date of the BEE transaction is expected to be on or about 15 December.SAinfo reporter Would you like to use this article in your publicationor on your website?See: Using SAinfo materiallast_img read more

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Knauf Plasterboard Tianjin Agrees to Repair 300 Homes

first_imgIn May 2010, Knauf Plasterboard Tianjin (a subsidiary of Knauf, the international building materials giant) agreed to cover the cost of drywall replacement in about 50 homes built by Beazer Homes USA, which had used KPT’s Chinese-made drywall in the houses. The agreement was pegged to evidence that the drywall off-gassed hydrogen sulfide, which corroded some metal fixtures and whose foul smell made the buildings uninhabitable.At the time, a lawyer representing KPT said the company was negotiating settlements with at least 10 other builders who had used the drywall. The Beazer settlement was indeed just the beginning. This month the company and attorneys representing plaintiff and homebuilder groups announced another agreement that initiates a partnership between KPT and a number of major builders to repair from 200 to 300 homes afflicted with the defective drywall.This settlement represents progress – albeit incremental progress – toward resolution of the drywall problem, which, according to the U.S. Consumer Product Safety Commission, affected as many as 6,300 homes, most of them in the Southeast, where high humidity seems to increase the reactivity of the drywall.It doesn’t end here for KPTIn addition to covering repair costs through this new settlement, KPT is reckoning with another 1,200 homes as they progress through the KPT “demonstration remediation program” – a process established by the Chinese drywall Multi-District Litigation, or MDL, formed in 2009 to consolidate all federal cases concerning the drywall, most of which was imported into the U.S. between 2004 and 2006.The Consumer Product Safety Commission has heard complaints about the drywall from 3,905 homeowners in 42 states, the District of Columbia, American Samoa, and Puerto Rico. This newly announced settlement was reached by KPT, attorneys representing an entity called the Plaintiffs’ Steering Committee, and attorneys representing the Homebuilder Steering Committee. Most of the plaintiffs covered by the agreement are in Florida, Texas, Louisiana, and Mississippi.last_img read more

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The Noise Factor: When Is Digital Noise Okay in a Shot?

first_imgDigital noise is a dignified enemy for low-budget filmmakers and content creators. But when would it be okay to let a noisy shot slide?Let me first say that this article is not about to tell you to ditch all principles and capture noisy images — far from it. A clean, beautiful image, after all, is a testament to the skill set of the DP and his crew (or a testament to how much money is available). Quite like overblown highlights, I feel like noise is something we learn to avoid at all costs, and any digital noise is the calling card of an amateur failure.However, sometimes, you may be watching a TV show and see these issues slip into a shot — a fully financed, professional production airing visual problems that would have caused you to think twice about uploading to YouTube.Recently, I was watching American Gods Season 2 (it’s just not the same without Bryan Fuller steering the ship), and something instantly caught my attention in this scene from Episode 2. Hot on the trail of Laura’s abducted husband, Laura and Mad Sweeney quite literally come to the end of a road and their pursuit is halted.Image via Starz!.The two characters, defeated and tired, sit in the field of flowers, pondering their next move. It looks like they were filming on an overcast day, and I have to wonder if the filmmakers captured the dialogue shots with available light. Mad Sweeney’s shot is relatively clean.Image via Starz!.However, when we cut to Laura, we can see an apparent increase in digital noise. While the 755×400 image underneath may not highlight the extent of the noise, when you’re watching, it’s instantly noticeable.Image via Starz!.I feel like if this shot was showcasing a new camera, the comment section would’ve been rife with criticism at how much noise there is in low light.Image via Starz!.Yet, it’s completely fine in this circumstance. And I would wager (as I point out toward the end), the general audience wouldn’t even notice. As such, I think it’s worth taking a cue from esteemed editor Walter Murch and his Rule of Six. Story over ContinuityQuite like clean visuals, with the rise of TV shows and now YouTube channels pointing out mistakes in films, you’d think that continuity is a must for an editor. However, Murch’s rules are as follows in order of importance:Cut for Emotion​​Advancing the Story Cuts​Cutting with Rhythm​Lead with Eye TraceRecreate Reality on Screen​Physical Space in a SceneNumber six represents visual continuity, and as you can see, it’s at the bottom of the list. Martin Hunter, the editor for Stanley Kubrick‘s Full Metal Jacket, says the following:There’s a cut when the drill Sargent punches Mathew Motley in the stomach, and in one shot he pulls back with his left hand and in the cut, he punches with his right. Nobody ever pointed it out, as far as I know. But those kinds of things don’t really matter because, if a scene is effective, you shouldn’t be distracted by things like that. (Watch this scene in the video essay above).Story over Visual ErrorsAs to not sidestep the point of the article, what do Murch’s editing rules have to do with digital noise, or any visual anomaly? Just as continuity is placed at the bottom of the importance list, if the take has the best emotion, you should carry that notion into your visuals, as well. There are going to be times when your footage has errors — noise, clipped highlights, or even crew members visible in the shot — but from a story and emotional perspective, it’s the strongest take, so it stays despite the faults.I asked a friend, and my mother, to watch the scene and note any issues with the scene. My friend, knowing my technical prowess, was searching for a technical blunder but couldn’t spot any, while my mother stabbed the dark with “different shirt” and “different flower color,” even though both things remained the same. Neither of them noticed the digital noise. Quite like neither of them would have noticed clipped specular highlights or the slight shudder in a tracking shot. The general audience just doesn’t see these things. If the take strengthens the story, you shouldn’t worry either.Cover image via American Gods (Starz!).Looking for more on cinematography? Check these out.Get Ready to Film with the Sony A7 III Using These Settings3 Unusual Camera Angles to Liven up Your Dialogue ScenesPocket 4k and Pocket 6k Owners – BRAW Comes To Premiere ProThree Quick Tips For Filming In The Midday Sun Without Diffusion ToolsIn-Camera or in Post: How to Get the Same Effects as Expensive Lenseslast_img read more

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