Gatong Cheng Hui http://gatongchenghui.com/ Wed, 23 Nov 2022 18:29:59 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://gatongchenghui.com/wp-content/uploads/2021/04/cropped-icon-32x32.png Gatong Cheng Hui http://gatongchenghui.com/ 32 32 Bowling: Michael Ramirez is having an exceptional season in Mesquite https://gatongchenghui.com/bowling-michael-ramirez-is-having-an-exceptional-season-in-mesquite/ Wed, 23 Nov 2022 16:23:40 +0000 https://gatongchenghui.com/bowling-michael-ramirez-is-having-an-exceptional-season-in-mesquite/

By Willie Theis

Unless Michael “Smurffzzz” Ramirez falls into an ocean-sized chasm, he has a bright future on lanes and is on a path that will see him become a formidable contender and force on lanes in years to come. coming.

Michel Ramirez

And after starting the game only a year ago, he is very passionate about the sport, training a lot and even filming his workouts. And his desire to improve even included bowling in a St. George league last summer. Oh yeah! He has devised a plan to succeed!

Another key part of his rapid improvement is the ability to throw a bowling ball without his right thumb into the ball, which in turn generates many more spins, which improves pin action.

And all the time and effort invested has paid huge dividends with his game light years ahead of what he was a year ago, which in turn has led to a lot of ink, accolades and even a headline. It’s no surprise, then, that he’s already racked up multiple 600s in a breakout season, with his latest scoring spree being the best of them all.

And it happened while he was playing Gamblers 4 Aces League and started when he tattooed the pocket with nine strikes in a net 258, followed by matches of 233 and 190, as well as 24 strikes in total paving the way for a breathtaking 682 series.

Ramirez also credits Red Powell with some of his success as he drilled all of his gear at Red’s Arizona Pro Shop in scenic Arizona.

Outside of bowling, he is a huge fan of the Pittsburg Steelers, as well as Cosplay.

Before graduating from Cedar Ridge High School in Richfield, Utah, he lived in both Nevada and Oregon.

Meanwhile, with the best to come, a virtual lock on a winning bet is that Ramirez will deliver a Virgin River Bowling Center beatdown with his first streak of 700 before time runs out for the 2022-23 season.

In other action, Mike Saldivar took high series honors with a 726 in addition to winning the 6-7-9-10 split in a 257 game, Wayne Donnafield (711-259) is the sixth bowler to pitch a 700 this season, and Jim Lytle, a Montana native who loves gourmet hot dogs, fell a hair’s breadth from a 700 with a remarkable 699 effort with 20 strikes and marks on an impressive 12 of 13 spare attempts. .

Kelly Williams (675-256) has more hits on the lanes than his Nebraska Huskers on the gridline, and Doug Love averaged an impressive 219 between his Monday Scrach League (665-259) and Wednesday Men’s (649-268). ).

Bob Marget (640-220) delivered another top-notch effort, Bruce Hooley (640-246) ended a recent scoring funk in convincing fashion, and whatever the reason, Jack Northover’s game (629 -235) has been on a roll the last several weeks.

Jeff Branche (615-208, 206, 201) had the type of consistent outing that good bowlers love, Frank Addamo (610-221) fired 20 strikes in his best overall performance this season, and Al Gans scratched a 600 on the nose.

On the single game front, Scott Mattingly (668) edged the field with a 278 beaut, Austin Finster (607) threw a 7-bagger in a 247, and Rob Hartman (627) also threw a 247.

Bill Funk hit a season high of 234, Ernie Kala also recorded a season high of 233 and Tim Wellman (587) had his best scores of the 2022-23 season with six strikes leading the way for a game of 228.

Angel Hernandez had another two with a 213, Rick Jones pocketed a 211 and Ricky Trujillo, an outstanding former baseball player from Virgin Valley High School had a 208.

And Utah native Pat Garcia was happy to kick off his first two of the season with a 202 in TGIF League action, and Steve Roberts, who had a great 2021-22 season, worked on the lanes for a 201.

In women’s pins action, LoriJo Turner set the scoring pace with a streak of 608 and a game 225, Bev Cormani (570-203) peppered the lanes with another streak of quality scores, and Diane Marget was a pillar of consistency in a 554 effort with games. of 188, 186 and 180.

Bobbie Robbins (552-203) deserves some ink after a strong outing, Debbie Hansen rolled to a 524, Cheryl Rogers pocketed a 5190 and Lynae Page rode her way to a 510.

In single play, Sandy Sheppard (566) hit a 224, Janie Rappe, whose favorite basketball player was Larry Byrd of his home state of Indiana, shot his first two this season, a 203, and Ashley Yokoyama- Kesl gets her first ink for a 201.

OH, BAY – BEE!

Josue Mendoza is in his first year of bowling in the league and bowled six strikes in a season-high 195. Away from the bowling alley, Mendoza loves watching football games and also does an outstanding job as a front desk clerk at the Virgin River Bowling Center… Karrie Henderson should see her 129 average in Gamblers 4 Aces League improve after throwing a season-high streak of 432 and a season-high 176 game… Amanda Hartman was all smiles after blowing a previous game 90 with a 127, and also capped off a memorable night in TGIF League play with a streak of a season-high 298…Phyllis Margolis put up a season-high 179 in Ladies Trio League play…Sue Maranski took the tie 5-10.

HIGH SCORES

James Hartley 655-259; Orlyn Meyer 636-239; Dennis Craft 631-215; Jan Kusy 626-213; Mike Rogers 626-223; Dave Pershing 623-219; Michael Ramirez 619-233; John Holloway 617-224; Mike Yoder 617-214; Darren Simonds 613-242; Mike Gentry 610-214; Jeff Jacobson 604-215; Al Gans 600-209; David Newman 299; Mark Brackelsberg 228; Rob Cormani 218; Tom Gelsomin 213; Wally Posey 213; Dale Milligan 212; Alan Jacobson 211; Gary Moore 207; Bryan Pierce 206; Dylan Kesl 206; Gil Niimi 203; Johnny Harper 206; Jim Rappe 205; Dean Shepard 204; Randy Kezior 203; Sal Diaz 203; Steve Serrano 203; Bob Robbin 201; Darren Talmade 201; Dave Keil 201; Dennis Hartley 201; Garth Turner 201; Harry Uncles 201; Ron Hendrickson200; Steve Kenyon 200.

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Conference calls for using modern means to promote children’s literature – Journal https://gatongchenghui.com/conference-calls-for-using-modern-means-to-promote-childrens-literature-journal/ Wed, 23 Nov 2022 02:24:24 +0000 https://gatongchenghui.com/conference-calls-for-using-modern-means-to-promote-childrens-literature-journal/

HYDERABAD: Speakers at a conference on children’s literature stressed the need to use modern means to rid children of mobile phones, which seem to take up most of their time, and called for the creation of a children’s academy or an adabi council dedicated to the promotion of children’s literature.

They said that techniques and approaches for presenting literature in a way that grabs people’s attention have changed and that, in the case of children, animated content and cartoons could be a powerful way to attract their attention.

They were speaking at the two-day conference on Sindhi Language Children’s Literature, New Trends and Requirements at the Sind Museum here the other day.

Chairman of the Sindhi Language Authority, Dr Ishaq Samejo, said there was concern over the dwindling scale of production of children’s literature which had been hit by the price hike, heightening fears about in the future of this kind of literature.

Speakers say it’s a must to detach the younger generation from mobile phones to save most of their time

He said that this very fear prompted the authority to organize this conference. Children and their literature remain very disadvantaged sectors of society and one can easily predict what might happen to their literature under such depressing conditions, he said.

He said that people must make collective efforts to save children’s literature. The government should establish bodies to create children’s literature and not only that, but funds should also be allocated for the purchase of such books, he said.

He said people should decide that if they want to change society, they should create an interest in books and magazines in their children.

Hyderabad Commissioner Nadeeur Rehman Memon said the culture of reading has almost disappeared. Now modern means must be adopted to involve children in reading books, he said.

Dr. Adal Soomro, a famous children’s poet, said the conference was a serious step in promoting children’s literature and recalled that 25,000 copies of Gulan Jehra Baarara were sold in the first week of the month and 12,000 copies of Gul Phul used to be published but that was no longer the case.

He called for the establishment of a children’s academy or an adabi council to promote this kind of literature.

Professor Ayaz Gul said a children’s organization could play an important role in developing children’s literacy skills. Many great literary personalities were products of children’s organizations or magazines, he said.

He said that while “development” was a buzzword today, creativity had come to an end. Unless programs like this conference are held regularly or institutions are established to train children, nothing will change, he said.

Vice Chancellor of Shaheed Allah Bukhsh Soomro University, Prof. Bhai Khan Shar said Hyderabad is a citadel of cultural and social gatherings, which has always proved to be encouraging for children. Today, students showed no interest in reading while teachers remained disinterested, he said.

Professional vice-chancellor of the University of Sindh, Dr Rafiq Memon, said the children could not be confined to one place. No institution supervised the education and training of children, he lamented.

SLA secretary Shabnam Gul said the society was also responsible for the upbringing and training of children.

Posted in Dawn, November 23, 2022

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Regional Management Corp. (NYSE:RM) Basswood Capital Management director L sells 63,093 shares https://gatongchenghui.com/regional-management-corp-nyserm-basswood-capital-management-director-l-sells-63093-shares/ Tue, 22 Nov 2022 02:27:29 +0000 https://gatongchenghui.com/regional-management-corp-nyserm-basswood-capital-management-director-l-sells-63093-shares/

Regional management company (NYSE:RMGet a rating) Director Basswood Capital Management, L sold 63,093 shares of Regional Management in a trade on Thursday, November 17. The stock was sold at an average price of $28.58, for a total transaction of $1,803,197.94. Following the completion of the sale, the director now owns 611,553 shares of the company, valued at approximately $17,478,184.74. The sale was disclosed in a legal filing with the Securities & Exchange Commission, available at this hyperlink.

Basswood Capital Management, L has also recently completed the following transactions:

  • On Monday, November 14, Basswood Capital Management, L sold 5,219 shares of Regional Management. The stock was sold at an average price of $31.00, for a total transaction of $161,789.00.
  • On Thursday, November 10, Basswood Capital Management, L sold 6,000 shares of Regional Management. The stock was sold at an average price of $32.02, for a total transaction of $192,120.00.
  • On Tuesday, November 8, Basswood Capital Management, L sold 29,135 shares of Regional Management. The stock was sold at an average price of $28.75, for a total transaction of $837,631.25.
  • On Monday, August 29, Basswood Capital Management, L sold 16,600 shares of Regional Management. The stock was sold at an average price of $35.63, for a total transaction of $591,458.00.
  • On Thursday, August 25, Basswood Capital Management, L sold 2,800 shares of Regional Management. The stock was sold at an average price of $38.07, for a total transaction of $106,596.00.

Regional management inventory performance

Shares of RM traded at $0.20 during midday trading on Monday, reaching $29.28. 23,237 shares of the stock are trading in the hands, compared to its average volume of 38,518. Regional Management Corp. has a 1-year low of $27.42 and a 1-year high of $67.60. The company has a market capitalization of $280.68 million, a PE ratio of 4.15 and a beta of 1.48. The company has a debt ratio of 3.99, a quick ratio of 43.67 and a current ratio of 43.67. The company’s 50-day moving average price is $30.09 and its two-hundred-day moving average price is $36.68.

Regional management announces dividend

The company also recently declared a quarterly dividend, which will be paid on Wednesday, December 14. Shareholders of record on Wednesday, November 23 will receive a dividend of $0.30. This represents an annualized dividend of $1.20 and a yield of 4.10%. The ex-dividend date is Tuesday, November 22. The Regional Management’s dividend distribution rate (DPR) is currently 17.12%.

A Wall Street analyst gives his opinion

A number of equity analysts have commented on RM shares. TheStreet downgraded the shares of regional management from a “b-” rating to a “c+” rating in a Wednesday, September 21 report. Stephens cut his price target on regional leadership stock from $51.00 to $32.00 and set an “equal weight” rating for the company in a Wednesday, Nov. 2, report. StockNews.com began covering the actions of regional leadership in a report on Wednesday, October 12. They set a “buy” rating for the company. Finally, BMO Capital Markets cut its price target on regional leadership shares from $43.00 to $39.00 and set a “market performance” rating for the company in a report Thursday 3 november.

Institutional investors weigh on regional management

Several hedge funds and other institutional investors have recently bought and sold shares of the company. Amalgamated Bank acquired a new stake in Regional Management during Q1 worth approximately $51,000. Quantbot Technologies LP increased its stake in regional management by 120.0% during the 1st quarter. Quantbot Technologies LP now owns 1,100 shares of the credit service provider worth $53,000 after purchasing an additional 600 shares during the period. US Bancorp DE increased its stake in regional management by 1,923.4% during the 3rd quarter. US Bancorp DE now owns 1,295 shares of the credit service provider worth $36,000 after purchasing an additional 1,231 shares during the period. BNP Paribas Arbitrage SA increased its stake in Regional Management by 76.4% during the second quarter. BNP Paribas Arbitrage SA now owns 1,977 shares of the credit services provider worth $74,000 after purchasing an additional 856 shares during the period. Finally, Lazard Asset Management LLC increased its stake in regional management by 122.4% during the second quarter. Lazard Asset Management LLC now owns 2,119 shares of the credit service provider worth $79,000 after purchasing 1,166 additional shares during the period. 82.76% of the shares are currently held by institutional investors.

About regional management

(Get a rating)

Regional Management Corp., a diversified consumer finance company, offers various installment loan products primarily to customers with limited access to consumer credit from banks, thrift companies, credit card companies and other lenders in the United States. It offers small and large installment loans; and retail loans to finance the purchase of furniture, appliances and other retail products.

Featured articles

Insider Buying and Selling by Quarter for Regional Management (NYSE:RM)

This instant alert was powered by MarketBeat’s narrative science technology and financial data to provide readers with the fastest and most accurate reports. This story was reviewed by MarketBeat’s editorial team prior to publication. Please send questions or comments about this story to contact@marketbeat.com.

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While regional management currently has a “Hold” rating among analysts, top-rated analysts believe these five stocks are better buys.

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13 real estate players competing for the attention of billionaire buyers https://gatongchenghui.com/13-real-estate-players-competing-for-the-attention-of-billionaire-buyers/ Mon, 21 Nov 2022 18:14:55 +0000 https://gatongchenghui.com/13-real-estate-players-competing-for-the-attention-of-billionaire-buyers/
  • The ultra-luxury real estate market is sparkling and exclusive.
  • But posh parties and over-the-top stunts no longer attract the attention of well-heeled shoppers.
  • Here are 13 top advertisers high-end developers rely on to make sure their properties sell for the best price.

The housing market has been brutal for middle-income consumers, but ultra-luxury real estate has never been so bubbly.

The world’s wealthiest are investing their money in real estate, and developers are vying for those millions with projects that only get glitzier, more expensive, and more exclusive. Uncertainty in Europe and Latin America is funneling even more wealth into US real estate in cities like New York, Miami and Los Angeles.

To grab the attention of ultra-rich consumers, developers rely on a small group of PR professionals who specialize in promoting extravagant properties at stratospheric prices.

Insider has identified 13 of the most sought after PR executives in luxury real estate based on research and conversations with industry insiders.

But these pros tell Insider their role has changed since the heady 2010s. Gone are the days of bombastic parties, flashy promotions and upside incentives for shoppers. Digital campaigns have become as important as traditional media coverage. Promotions are now focusing on understated luxury, with wealthy shoppers more interested in “quality and amenities,” said Vanessa Fioravante, co-founder and director of Ander & Co in Miami. “And buyers say, ‘instead of giving me a Lamborghini, just save a few hundred thousand dollars off the asking price.'”

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Deepak Hooda sets new bowling record in big Indian win https://gatongchenghui.com/deepak-hooda-sets-new-bowling-record-in-big-indian-win/ Mon, 21 Nov 2022 04:29:38 +0000 https://gatongchenghui.com/deepak-hooda-sets-new-bowling-record-in-big-indian-win/

Suryakumar Yadav deservedly took the limelight in the 2nd T20I between India and New Zealand played at Mount Maunganui thanks to a jaw-dropping round, but there were also two other notable performances that took center stage. in the back seat.

During the Indian Rounds Final, Tim Southee became the second bowler in T20I history to win two hat-tricks after Sri Lankan legend Lasith Malinga. Southee represented Hardik Pandya, Deepak Hooda and Washington Sundar to achieve the feat.

Read also : “Some of these shots I’ve never seen before”

And then part-timer Deepak Hooda also came very close to a hat-trick when he fired Ish Sodhi and Southee from successive deliveries in the 19th. However, Lockie Ferguson managed to negotiate the delivery of the hat-trick by taking a single, but Hooda took third wicket in the next delivery when he got rid of Adam Mile on the 6th.

With that, New Zealand were beaten for 126 chasing 192 as India won by 65 to take an unassailable 1-0 lead in the three-game series – the first T20I was dropped without a throw because of the rain.

Hooda thus completed stunning 4/10 figures from just 2.5 overs and broke the record for best bowling figures in a T20I between India and New Zealand.

Hooda is the first Indian bowler to record a T20I four-iron between India and New Zealand. Overall, he is the fourth to do so after Daniel Vettori (4/20), Mitchell Santner (4/11) and Trent Boult (4/34).

Read also : Williamson retires from 3rd T20I, Southee leads New Zealand

India captain Hardik Pandya praised the bowlers for their combined display as they tied down the New Zealand batters despite the ball being wet.

“The bowlers did well and it was about being aggressive in spirit,” Pandya said after the game. “That doesn’t mean taking a wicket with every ball, but being aggressive with the ball is important. The conditions were very wet, so credit to the bowlers.”

Pandya himself did not play during the contest, but said he wanted to see what other hitters can do with the ball in their hands. “I’ve bowled a lot, in the future I want to see more bowling options. It won’t always work, but I want more batters to participate with the ball,” he said.

Get the latest cricket news, schedule and live cricket scores here

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The best mortgage finance stocks to buy right now https://gatongchenghui.com/the-best-mortgage-finance-stocks-to-buy-right-now/ Sat, 19 Nov 2022 11:42:49 +0000 https://gatongchenghui.com/the-best-mortgage-finance-stocks-to-buy-right-now/

The mortgage industry is undergoing significant changes. Businesses face new challenges and opportunities as the housing market continues to adapt to new lending regulations. Therefore, investors should be careful when it comes to which mortgage stocks they choose to buy at this time. Some may see this as a red flag, given that many of these companies have struggled in recent years due to changing market conditions. However, there are still great opportunities for those willing to do their research and invest wisely. There are four mortgage finance stocks you should consider investing in now if you’re looking for above-average returns with below-average risk. These four stocks are all solid picks that can help balance your portfolio while providing you with more growth opportunities than other sectors currently available in the market today.

PNC Financial Services

PNC Financial Services is one of the largest banks and mortgage lenders in the United States. The Company provides a wide variety of financial services, including commercial banking, retail banking, investment management, trust and insurance services. PNC is also one of the few financial service providers to offer comprehensive mortgage services, allowing it to take advantage of every step of the process. These services include origination, secondary market sales, and loan modification and default foreclosure services. As a result, PNC is one of the most diversified players in the mortgage industry and one of the best actions for 2019.

Synchrony Financial

Synchrony Financial, a subsidiary of Synchrony Financial, is one of the largest online lenders in the United States. The company offers a wide variety of credit products, including personal loans, credit cards, auto financing and mortgages. Although the company’s business model largely focuses on partnering with retailers to offer credit products to their customers, it’s also a great way to attract new customers while generating additional revenue. With the housing market expected to remain strong through 2019 and beyond, Synchrony is one of the best stocks for 2019.

BOK Financial

BOK Financial is one of the largest banks in the South West. The Company offers a wide variety of financial services, including commercial banking, mortgages, trust services and retail banking. BOK Financial has one of the largest portfolios of commercial real estate loans in the United States, which translates into a high level of risk. However, given that the housing market is expected to remain strong over the next few years, BOK Financial is one of the best stocks for 2019.

Discover the Bank

Discover Bank is one of the five largest retail-owned banks in the United States. The company offers a wide variety of financial services, including credit cards, installment loans, personal loans, online savings accounts and mortgage services. Since the company offers so many different types of products, it is able to diversify its risks and reduce the risk of one segment of the business failing. This makes Discover Bank one of the best stocks for 2019.

Long term options

If you’re willing to take a little more risk but still want to invest in the mortgage business, there are some long-term options that might be worth investigating. One strategy is to invest in the shares of a company that specializes in buying distressed mortgages. These are usually loans where the borrower is behind on their payments or has a poor credit rating and needs to sell the property quickly. By purchasing these mortgages, the company is able to buy the loan at a discount and then sell it back to a financier at a higher rate. This is a great strategy that you can take advantage of now that many homeowners are struggling with mortgage payments.

Conclusion

The mortgage finance industry is going through a lot of changes, but there are still plenty of opportunities for investors. If you’re looking for a good stock to buy, you can’t go wrong with any of these four stocks. These companies are all well established in the industry and are poised for strong growth. So if you want to enter the bottom tier of the mortgage finance industry, these are four stocks you should keep on your radar.

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Expert real estate investment advice in a time of high mortgage rates https://gatongchenghui.com/expert-real-estate-investment-advice-in-a-time-of-high-mortgage-rates/ Sat, 19 Nov 2022 10:30:42 +0000 https://gatongchenghui.com/expert-real-estate-investment-advice-in-a-time-of-high-mortgage-rates/
  • Seasoned real estate investors agree that now is the perfect time to expand your real estate portfolio.
  • There’s less competition right now and it’s a good time to make aggressive offers.
  • Higher mortgage rates make it harder to find bargains, but they’re still there.

Seasoned real estate investors agree that now is a great time to expand your real estate portfolio if you can afford it.

While mortgage rates have continued to deteriorate and exceeded 7% in October, home sales are slowing. Plus, there’s less competition as more Americans aren’t interested (or can’t afford) to buy a home right now: According to an October survey by Fannie Mae, only 16% of consumers think now is a good time to buy a home.

Four established investors told Insider why they’re still buying despite high rates, how their investment strategy has changed, and their tips for navigating today’s market.

Mike Zuber is ‘ecstatic for what’s to come’ and writes ‘aggressive offers’ twice a week

zubers 2

Real estate investor Michael Zuber and his family.

Courtesy of Michael and Olivia Zuber



Michael Zuber believes real estate investors “should be a lot more excited to buy this year than they have been the past two years.”

This is because there is less competition at the moment. With rising mortgage rates and uncertainty about the future of the economy, fewer Americans are looking to become homeowners: According to an October survey by Fannie Mae, only 16% of consumers think the time to buy a house.

That’s great news for Zuber, which has more than 100 units in Fresno, Calif., and is looking to expand its portfolio further. He views home buyers as his “number one competition,” he said. “They have lower down payments and they get better rates, so they’re hard to compete with.”

Right now is the time for investors to make aggressive bids, he pointed out: “I’m always looking for motivated sellers and they’re hard to find. The only time you can find them , that’s when the competition goes away, so I’m excited for what’s to come. I’m ready to write a lot of offers and I’ll close on every good deal.

Currently, he makes about two offers a week. He only writes “attractive offers,” he said, which he defines as anything that will produce a cash return 2-3% above average.

Karina Mejia says potential investors shouldn’t be afraid to buy right now, especially if you’re going to buy and hold

karina mejia

Real estate investor Karina Mejia owns properties in Boston and Georgia.

Courtesy of Karina Mejia



“I really believe it’s still a good time to buy — and I’m not saying that because I’m an agent,” the 25-year-old real estate agent and investor told Insider. She owns homes in Boston, where she lives, and Augusta, Georgia.

“It’s a much better time to buy now than this time last year,” she said. “Now buyers have the ability to do things that they should have done, like inspection contingencies and appraisal contingencies, and they have the ability to get a deal. Now you can actually negotiate and get houses at a discount.”

Whereas, when the market was at its peak, “you couldn’t get your offer accepted if you didn’t go way beyond the requested and waived inspections and assessments.”

As a potential buyer, you need to consider your timeline, she added: Are you looking to stay in your home for the next five to 10 years? Or do you think you will make a move in two to three years?

If you’re looking to buy and potentially sell within three years or less, you’ll probably want to wait to buy, Mejia said: “Values ​​go up and down, up and down, up and down. If you’re going sell within this quick time period, the property might actually be worth less.”

It will be safer to buy if you plan to stay there for a while. Your home will have more time to appreciate in value, which will help offset the expensive transaction costs that come with buying, like your agent’s commission and closing costs.

In general, “I wouldn’t be afraid to buy. I think that’s a mental hurdle that people have to overcome right now,” Mejia said. “If you can still afford a mortgage payment in your current market and buy a home you’d like, then buying makes perfect sense.”

Matt ‘the lumberjack landlord’ braces for rent arrears and market correction

matt owner lumberjack

New Hampshire-based real estate investor Matt “the lumberjack owner” and his family.

Courtesy of Matt and Ashley



A seasoned real estate investor prepares for tough economic times and a potential recession in 2023.

Matt, who goes by “The Lumberjack Landlord” for privacy reasons, has been building his rental portfolio since the early 2000s and currently owns and rents 137 units.

The New Hampshire-based investor expects more unpaid rent and potential evictions as we head into a year that could see unemployment rates as high as 5.5%.

“As unemployment rises, obviously the rent delinquents rise,” he said. He also expects evictions to be “at their highest in three or four years”.

With that in mind, “the most important thing is open communication with your tenants,” he said. “The mistake a lot of tenants and landlords make is that it becomes a contradictory thing. I’d rather a tenant say, ‘Hey, I lost my job. That doesn’t mean I’m going to speed up the process to get them out. It means that I will try to work with them.

It has also been bracing for a correction since earlier this year, when it did a major refinance to free up some cash.

“Now is the time to get as much money out of these assets as possible and then have the cash available if the market corrects aggressively,” he said of his March 2022 refinance. I don’t think it will be a 50% correction because we just don’t have the bad loan structures we had during the Great Recession, but it could be a 10% to 20% price drop.”

Todd Baldwin refuses to pay 6% or more in interest. If it’s a deal he wants, he’ll pay cash.

todd baldwin

Seattle-based real estate investor Todd Baldwin.

Courtesy of Todd Baldwin



“A lot of real estate investors won’t agree with me, but I personally won’t pay more than 6% interest on anything,” Seattle-based investor Todd Baldwin told Insider. in November, asked about the rise in mortgage rates, which exceeded 7% in October. “If the deal is over 6%, I’ll pay cash and hopefully get a discount.”

Baldwin is in the unique situation where he can pay cash if the right deal comes along: in 2021, he brought in more than $1.5 million from property sales, wholesale and rental income , according to documents seen by Insider.

He understands that not everyone can just pay cash if they want to invest now. To help combat high interest rates, consider “house hacking,” he said. That’s how he got his foot in the door in 2015 when he bought his first property.

“If you want to be a landlord but interest rates mean you can’t afford the payment, consider finding a roommate,” he said. If you live with one or more people, you can ask for rent, which will offset your mortgage and potentially allow you to live for free.

“I know having a roommate can suck,” he said. “I did it for five years. But that decision made me a multi-millionaire and now I have the freedom to do whatever I want.”

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Red Force coach wants disciplined bowling in Super50 final https://gatongchenghui.com/red-force-coach-wants-disciplined-bowling-in-super50-final/ Fri, 18 Nov 2022 21:14:55 +0000 https://gatongchenghui.com/red-force-coach-wants-disciplined-bowling-in-super50-final/

Sports



Red Force pacer Shannon Gabriel in action at the Brian Lara Cricket Academy earlier in the tournament. – Lincoln Holder

Trinidad and Tobago Red Force coach David Furlonge urges his bowlers to stick to the CG United Super50 Cup Final plan as Red Force take on Jamaica Scorpions in what should be a friendly wicket at bat at Sir Vivian Richards Stadium in North Sound, Antigua on Saturday. The game starts at 2 p.m.

Furlonge, describing the mood in the camp, said: “The guys are in good spirits. We just had a great training session.

He said a meeting was scheduled for Friday night and one item on the agenda was to discuss ways to contain the Scorpions batsmen.

“Later today (Friday) we will review the Jamaican batting roster. We are just awaiting some information from the analyst…and see how we could best plan and prepare their batting. The semi-final wickets here have been very bats-friendly, so bowlers just have to be consistent, stick to the plan we’re coming out with.

Red Force fast bowler Shannon Gabriel made life difficult for the batsmen, scoring 4/43 in ten overs in the semi-finals.

Scorpions skipper Rovman Powell was in scintillating form, scoring a century in the semi-finals.

Powell’s Hundred led the Scorpions to the final with a three-wicket win over the Guyana Harpy Eagles in semi-final two at the Sir Vivian Richards Stadium on Thursday.

Powell hit 105 on 92 deliveries as the Scorpions went 322/7 in 48.1 overs after Harpy Eagles scored 318/7 in 50 overs. Powell’s innings included seven fours and three sixes.

Furlonge is pleased with the effort of the Red Force batsmen during the tournament.

“The batting has been good, and as I said, the wicket here is batsman friendly, so hopefully the batsmen can be consistent and maintain their form.”

In Wednesday’s semi-final, Pooran slammed five fours and eight sixes in his innings of 111 from 82 balls to guide Red Force to a competitive 312/6 from 50 overs against Barbados Pride at the Sir Vivian Richards Stadium. Flyhalf Amir Jangoo found form, hitting 81 of 114 balls, and experienced Darren Bravo hit 54 of 65 deliveries.

Pride responded with 302/8 as Red Force escaped with a ten point win.

Pooran’s century came just days after he scored an unbeaten 99 from 71 balls in the group stage of the tournament against the Windward Islands Volcanoes at Brian Lara Cricket Academy in Tarouba.

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How Proust’s Jewish origins shaped his work – DW – 18/11/2022 https://gatongchenghui.com/how-prousts-jewish-origins-shaped-his-work-dw-18-11-2022/ Fri, 18 Nov 2022 09:39:49 +0000 https://gatongchenghui.com/how-prousts-jewish-origins-shaped-his-work-dw-18-11-2022/

French author Marcel Proust is best known for his record-breaking book: his 4,000-page novel “In Search of Lost Time” (1913-1927) belongs to the canon of world literature.

Although not everyone may have read all seven volumes of the mammoth work, its author remains a worldwide literary star, even 100 years after his death on November 18, 1922.

In a new essay, German literary critic Andreas Isenschmid points out that one aspect of Marcel Proust’s life has long been overlooked: the author was of Jewish descent.

Born in 1871 as the son of a doctor and a French Jewess named Jeanne Weil, Proust was baptized a Catholic but was also in close contact with his mother’s Jewish faith and traditions. His mother never converted to Catholicism and only married Proust’s father in a civil ceremony, remaining faithful to the Jewish religion throughout her life.

Author Andreas Isenschmid standing outside wearing a blue turtleneck sweater
Andreas Isenschmid also published a biography of Proust in 2017Image: Paula Winkler

This marked Marcel Proust. As Isenschmid points out in his new book “Der Elefant im Raum – Proust und das Jüdische” (The Elephant in the Room – Proust and Jewishness), being Jewish was not just a minor issue for Proust, but shaped his life and his writing – especially his most famous work.

Anti-Semitism in France: the Dreyfus Affair

Marcel Proust began exploring his Jewish identity during the Dreyfus Affair, which he witnessed firsthand in Paris at the age of 23, when French Jewish officer Alfred Dreyfus was accused of treason in 1894. Although Dreyfus is innocent, he was sentenced to life. imprisonment.

It was a real legal scandal that quickly turned into a political and cultural crisis. The public and the press spread hateful and highly racist anti-Semitic views, writes Isenschmid in his book.

“Dreyfus, like Judas and all the Jews, was a traitor who had delivered France to the hereditary enemy Germany”, summarizes Isenschmid in the air of time. “In general, all the Jews were foreigners who did not correspond to France. They were seen as exploiting the French; the feeling was that it was better to send them back to Jerusalem.”

book cover of
In his essay “The Elephant in the Room”, Isenschmid explores Proust’s ambivalent relationship with his Jewish identity

Proust defends Dreyfus

In this overheated atmosphere, Marcel Proust campaigned for the rehabilitation of Alfred Dreyfus as a “Dreyfusard” alongside the Zionist Theodor Herzl and the writer and journalist Emile Zola.

Emile Zola wrote an open letter to French President Félix Faure in 1898, titled “J’accuse!” (English: “J’accuse!”), in which he accuses the French judiciary, press and army of blatant anti-Semitism. One of the approximately 3,000 signatories to the letter was Marcel Proust. Even today, the expression “J’accuse!” is common in German for an act of civil courage or political vigilance.

The letter deepened social divisions, pitting a progressive camp against a right-wing nationalist camp. Zola was sued for libel and only escaped jail time by fleeing to London. Marcel Proust attended his trial and defended his friend on several occasions.

During this period, Proust also wrote a novel dealing with the Dreyfus Affair and Jewish assimilation. The book was never finished or published, but Isenschmid is convinced that it served as preparatory work for “In Search of Lost Time”.

The commitment of Zola, Proust and the many “Dreyfusards” led to the belated rehabilitation of Dreyfus in 1906 after the leftist and liberal political parties came to power in 1902.

It is true that Proust preferred to refer to the legal scandal in public statements, and not to the fact that Alfred Dreyfus was Jewish. But he himself was suddenly targeted as a Jew, Andreas Isenschmid told Deutschlandfunk radio:

Marcel Proust in a black and white photograph
Marcel Proust posing, probably in the year 1910Image: Hulton Archive/Getty Images

Perhaps that is why “In Search of Lost Time” has two Jewish heroes. Isenschmid sees it as an all-Jewish book that focuses not only on the importance of memory, a crucial element of Jewish culture, but also on Jewish heroes and anti-Semitism in France in the 19th century.

Would Marcel Proust have agreed?

One hundred years after his death, Isenschmid asks precisely this question in “The Elephant in the Room” – and concludes his essay with a reference to a letter which has unfortunately been lost to literary history. In this document, Marcel Proust would have one day written to his friend Emmanuel Berl: “Everyone has forgotten that I am a Jew. Not me.

This article was originally written in German.

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Credit card fees will be reviewed in January https://gatongchenghui.com/credit-card-fees-will-be-reviewed-in-january/ Wed, 16 Nov 2022 16:00:00 +0000 https://gatongchenghui.com/credit-card-fees-will-be-reviewed-in-january/
Laurent Agcaoili – The Star of the Philippines

November 17, 2022 | 00:00

MANILA, Philippines — Credit card issuers are eagerly awaiting a review of the credit card transaction cap to be conducted by the Bangko Sentral ng Pilipinas (BSP) in January.

The Credit Card Association of the Philippines (CCAP) released the statement after the BSP decided to keep the cap on interest rates and fees on credit card transactions until the end of December before revisiting them. in January next year.

“CCAP acknowledges BSP’s decision to maintain the current cap on credit card interest rates. We are confident and look forward to our regulator’s full review by January 2023. The review has always included micro and macro factors relevant to the times, in particular the rise in policy rates at the end of the year 2022,” he said in a statement.

With the appeal letter sent to the BSP in September, CCAP is optimistic that the regulator has considered the factors impacting the credit card industry as a whole.

“Throughout these pandemic years, the credit card industry has helped not only our members and all players in the payment ecosystem, but also our fellow Filipinos. Even though we faced unprecedented challenges, we also overcame these obstacles and built even more strength by helping each other in the true Bayanihan spirit,” CCSI said.

He noted that with the pandemic spurring the rapid adoption of new virtual payment technologies by consumers, credit cards are an efficient, secure and convenient payment tool that drives and contributes to the country’s overall digitalization goal. .

“With market-driven tariffs, this will not only help drive competition in the industry, but also drive financial inclusion – all of which helps our Filipino consumers as a bottom line,” CCAP said.

Consumers should continue to enjoy low interest rates and fees on their credit card transactions at least through the Christmas holidays after the central bank decided to keep the current cap until the end of the year .

“No big reason. Just the timing of the cap adjustment,” BSP Governor Felipe Medalla told The STAR earlier.

Medalla, who chairs the seven-member Monetary Council, said the regulator was finally adjusting the rate cap and other charges after a series of aggressive rate hikes imposed by the BSP to tame inflation and stabilize the peso.

The interest rate or finance charge cap of 2% per month and 24% per annum on the outstanding credit card balance was imposed in November 2020 to help ease the burden on Filipino consumers under the COVID-19 pandemic.

Before the cap was imposed at the height of the global health crisis, the annualized interest rate on credit card receivables averaged 36%.

Similarly, the additional monthly rate that credit card issuers could charge on installment loans was maintained at a maximum rate of 1%, as well as the maximum processing fee of P200 per transaction on the use of advances funds on credit card.

The maximum rates and charges are subject to review by BSP every six months and a new rate was expected to be in place by early November.

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