Boat loans – Salt Water Connections http://saltwaterconnections.org/ Thu, 30 Sep 2021 21:31:33 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://saltwaterconnections.org/wp-content/uploads/2021/06/cropped-icon-32x32.png Boat loans – Salt Water Connections http://saltwaterconnections.org/ 32 32 Practical Tips New Grads Can Use to Eliminate Student Debt https://saltwaterconnections.org/practical-tips-new-grads-can-use-to-eliminate-student-debt/ https://saltwaterconnections.org/practical-tips-new-grads-can-use-to-eliminate-student-debt/#respond Thu, 08 Apr 2021 02:38:35 +0000 https://saltwaterconnections.org/practical-tips-new-grads-can-use-to-eliminate-student-debt/ For some people, obtaining a student loan is necessary in order to be able to take the course necessary to obtain their diploma. While this is proving to be a viable way to finance your education, repayments can also be quite difficult to make upon graduation. This article lists some tips you can use to […]]]>

For some people, obtaining a student loan is necessary in order to be able to take the course necessary to obtain their diploma. While this is proving to be a viable way to finance your education, repayments can also be quite difficult to make upon graduation. This article lists some tips you can use to eliminate your student debt upon graduation.

Calculate a budget

One of the main things you can do to eliminate your student debt as soon as you graduate is to determine a budget that you can work with. Be sure to consider or prioritize your private student loan in this budget. From there, think about ways to maximize your cash flow by increasing the amount of money coming in, while maintaining the amount of money going out, or even decreasing it.

This can be quite difficult if you have not yet landed a job related to the degree you obtained. In this case, you can consider freelance in the meantime, where you can acquire clients willing to pay you for your skills, time and talent. Use the money you get from freelance work to pay off your student loan debt.

Pay more than the minimum

Another way for you to eliminate your student loan debt upon graduation is to pay more than the minimum amount each month. If you have postgraduate loans, you can then quickly pay the amount you owe if you pay more than the minimum. You can even try to pay earlier as soon as you have the extra funds because more often than not you will not be charged a prepayment fee for this type of loan, although it still depends on the lender.

If your loan is made up of several small loans, you can even consider the snowball method to pay off your student debt faster. It means putting all your efforts into pay the loan with the smallest interest first with more than the minimum payment. As soon as you are done with this loan, allocate the same money that you use for its repayment on the next loan on your list. Repeat the same process until you are free from all your loans.

Think about refinancing

You also have the option of considering refinancing your student loan debt if that makes more sense. For example, you can consolidate all your small loans in one loan with a lower interest rate. This way, not only will the repayments be easier, but you will also save on the interest that you have to pay.

The tips listed above are just a few of the ways you can consider settling your student debt once and for all. There are various other ways you can think of, depending on your current situation. The key is to have the proper focus and discipline in managing your money to make sure you’ll be debt-free in no time.


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Nearly 40 bullets fired in double murder, suspects arrested after chase https://saltwaterconnections.org/nearly-40-bullets-fired-in-double-murder-suspects-arrested-after-chase/ https://saltwaterconnections.org/nearly-40-bullets-fired-in-double-murder-suspects-arrested-after-chase/#respond Thu, 08 Apr 2021 02:38:26 +0000 https://saltwaterconnections.org/nearly-40-bullets-fired-in-double-murder-suspects-arrested-after-chase/ CLINTON TOWNSHIP, MI – Two women died after two men reportedly waited and then opened fire on them, firing nearly 40 rounds. Victims Dazhane Holloway, 19, and Dionna Davis, 18, both died at the scene, FOX 2 Detroit reports. When police arrived at Knottingham Flats in Clinton Township on Friday evening, suspects had already fled […]]]>

CLINTON TOWNSHIP, MI – Two women died after two men reportedly waited and then opened fire on them, firing nearly 40 rounds.

Victims Dazhane Holloway, 19, and Dionna Davis, 18, both died at the scene, FOX 2 Detroit reports. When police arrived at Knottingham Flats in Clinton Township on Friday evening, suspects had already fled in a stolen Dodge Hellcat. A one-year-old child unharmed by one of the victims was found in a vehicle.

Two male suspects who neighbors say had “complicated” relationships with the victims were taken into police custody after a chase, the TV channel reported. Police pursued the Hellcat on I-94; the chase ended when the vehicle crashed into a utility pole at Eight Mile Road and Gratiot Avenue. Both men were injured in the crash and were taken to a local hospital. Two handguns and a long gun were found in the stolen Hellcat.

The suspects are expected to be brought to justice today in Macomb County 41B District Court for first degree murder, court records show. The charge carries a penalty of life in prison without parole.

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Opinion: if Celtic want to be seen as an elite club, start acting as such https://saltwaterconnections.org/opinion-if-celtic-want-to-be-seen-as-an-elite-club-start-acting-as-such/ https://saltwaterconnections.org/opinion-if-celtic-want-to-be-seen-as-an-elite-club-start-acting-as-such/#respond Thu, 08 Apr 2021 02:38:15 +0000 https://saltwaterconnections.org/opinion-if-celtic-want-to-be-seen-as-an-elite-club-start-acting-as-such/ When Liverpool paid £ 75million for Southampton’s Virgil van Dijk, Celtic waited backstage to collect their selling costs, bringing the amount received for the imperious Dutchman to around £ 20million, or 10 million. times what they paid on the Eredivisie Groningen side for its services. Pundits lined up to applaud another masterstroke from Peter Lawwell […]]]>

When Liverpool paid £ 75million for Southampton’s Virgil van Dijk, Celtic waited backstage to collect their selling costs, bringing the amount received for the imperious Dutchman to around £ 20million, or 10 million. times what they paid on the Eredivisie Groningen side for its services.

Pundits lined up to applaud another masterstroke from Peter Lawwell – the man with the Midas twist whose coaches and scouts were earning a reputation for turning cotton into gold.

Hoops had made solid profits on Aiden McGeady, Ki Sung Yeung, Gary Hooper, Fraser Forster, Victor Wanyama, Stuart Armstrong and Moussa Dembele.

Then there was the record £ 25million for Arsenal’s crown jewel Kieran Tierney – those eight players alone brought £ 100million into Parkhead’s coffers to help balance the books .

On the surface it seems like a good deal – and it is – but digging a little deeper reveals a huge problem that Eddie Howe, if he takes the Celtic job, will surely have to tackle.



Virgil van Dijk

The waste on buses full of players who just couldn’t cut the mustard is mind-boggling; In the 11 years since Neil Lennon first took over as manager, the Hoops have recruited more than 100 signings from the club.

While generating income from transfer fees is essential, how the money is reinvested is certainly of equal importance and in this regard, recruiting at Parkhead has left a lot to be desired.

In a speech on the state of the nation after the Rangers triumph, Ibrox leader Dave King accused the Celtic council of arrogance and pointed out that the lack of spending on team building was the key for his own club to win the title.

He might be right on the arrogant part, but he was dead wrong about the investment; Over the past summer, Celtic spent a significant amount of money on fees, loans and salaries for Moi Elyounoussi, Vasilis Barkas, Diego Laxalt, Shane Duffy and Albian Ajeti.



Celtic Albian Ajeti

The problem was not with what was spent – it was who it was spent on. It was clear Celtic needed a striker and Peterborough’s Ivan Toney was the main target.

In the end, despite the player wanting to come to the north, the Hoops refused to pay the money and spent a little less on Ajeti – whose contribution became something of an embarrassment.

The Swiss look unfit, cranky and selfless as Toney ripped him apart in the league, scoring 28 goals for new club Brentford and becoming a target for several Premier League clubs.

Unfortunately for Lawwell and those below him – this is no accident. Teemu Pukki, Mohamed Bangura, Amido Balde, Stefan Scepovic, Nadir Ciftci, Carlton Cole, Colin Kazim-Richards, Patrick Klimala – there seems to be an endless list of bets on forwards who just weren’t up to par.

Steven Fletcher, John McGinn and others, meanwhile, were allowed to disappear south as Celtic bargained for pennies.

Then there is the ghost who is Barkas; billed as the £ 5million man to fill Fraser Forster’s shoes, but truth be told, Neil Lennon might as well have put a scarecrow in the net – and some might tell Scott Bain that’s exactly what he did.

Then there’s Duffy – a great signing on paper who would surely find Scotland a snap given he had held up in England for years. While the retreat has a 20/20 vision, his signing has been a disaster, his weaknesses brutally exposed by the way Celtic play.



Rangers’ Connor Goldson gets the ball around Celtic’s Shane Duffy

Massive questions have been asked as to why such a player – who is best placed to defend the edge of his own box – was brought to the club in the first place. Where was the data analysis? Who gave the OK?

While Howe will represent something of a coup if his appointment is upheld, finding a new manager is just one of many issues new CEO Dominic McKay will have to tackle if the club is to win back the league.

The Parkhead board is said to be looking for a director of football with Man City’s Fergal Harkin – a Donegal native – linked to the post.

The whole operation needs an overhaul; The Rangers seemed fitter, hungrier and better trained. Their recruitment under Mark Allen seemed to have a purpose and was part of a plan.

Celtic, on the other hand, looked unfit, disorganized with players brought to the club with no real idea of ​​how they would adapt.

There is some serious work ahead, but one thing is for sure – the insane and insane spending on everything from facilities to managers and players must stop.

If Celtic want to be seen as the best club in Europe, they have to start acting like one.


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This Canadian pot action copies the American moves of Canopy Growth https://saltwaterconnections.org/this-canadian-pot-action-copies-the-american-moves-of-canopy-growth/ https://saltwaterconnections.org/this-canadian-pot-action-copies-the-american-moves-of-canopy-growth/#respond Thu, 08 Apr 2021 02:38:00 +0000 https://saltwaterconnections.org/this-canadian-pot-action-copies-the-american-moves-of-canopy-growth/ When Canopy growth (NASDAQ: CGC) announced its intention to acquire Area of ​​assets in 2019, it was an innovative and unique way for the company to position itself for growth in the US market before legalization. Even though the deal still can’t be done due to the US federal marijuana ban, it’s a way for […]]]>

When Canopy growth (NASDAQ: CGC) announced its intention to acquire Area of ​​assets in 2019, it was an innovative and unique way for the company to position itself for growth in the US market before legalization. Even though the deal still can’t be done due to the US federal marijuana ban, it’s a way for Canopy Growth to show investors how it plans to succeed and grow when the pot turns. legal.

Recently another cannabis company, Fire flower (OTC: FFLW.F), announced that she too would take a similar step. Below, I’ll take a look at the details of his deal and whether you should consider buying any stocks from this future. stockpot broth.

Image source: Getty Images.

Fire & Flower licenses its brand and technology

As the leading retailer in Canada, Fire & Flower has a valuable brand that it will allow American Acres, a private cannabis company, to use for its dispensaries in California, Arizona and Nevada. This move is a good one as it will test the waters in those US markets to see how the Fire & Flower brand resonates with customers south of the border, effectively giving the company a try before actually expanding there. low. Fire & Flower expects its first (branded) store to open in the first half of this year in Palm Springs, California.

Canopy Growth took a similar approach when management announced in October 2020 that it would launch its cannabis-infused drinks on the US market in the summer of 2021. Although technically these are not Canopy Growth’s products as they are not cannot legally cross the border. , Acreage will create them using the company’s beverage formulations. Fire & Flower unfortunately cannot do the same as it is a retailer, but by making its brand available to American Acres it can at least test the waters from a brand perspective.

In addition to using the name of Fire & Flower, American Acres will also be using its Hifyre technology. Hifyre is a sales and analytics platform that helps cannabis retailers identify trends and personalize the shopping experience for customers. Thanks to the platform, the company also uses Hifyre SPARK, a loyalty program which now has more than 100,000 members.

By deploying the technology in the United States with its brand, Fire & Flower could potentially expand its loyalty program without even technically being in the market yet. It can also help provide insight into how the company may need to modify its Hifyre platform to meet the needs of US customers and regulators.

The deal also gives Fire & Flower a purchase option

One of the main reasons investors are optimistic about this deal with American Acres is that it also gives Fire & Flower the opportunity to acquire the business at a discount. Like the Canopy-Acreage Agreement, the acquisition is subject to federal legalization of marijuana in the United States; although it could also be triggered if an exchange on which the Fire & Flower company operates allows the deal to be done, in all likelihood this will be after the market becomes legal. And according to Canopy Growth CEO David Klein, this could be very soon. The exchanges probably won’t want to take the plunge until legalization, as the Toronto Stock Exchange (which is one of the exchanges on which Fire & Flower trades) has warned cannabis companies in the past not to break laws in the United States. United States, noting that if they do, they run the risk of being deregistered. In February, the company also announced that it had filed a trade request on the Nasdaq.

While the deal remains on hold, it is similar to Canopy Growth’s approach in that it prepares Fire & Flower when the US pot market opens up to Canada-based marijuana companies. By putting their ducks in a row and implementing a strategy before that happens, Fire & Flower can be ready to take advantage of legalization as soon as they do. With convenience store operator Couche-Tard Food holding 15% of the business of Fire & Flower, the company already has a great deal of expertise that it can tap into once it is able to accelerate its growth strategy and dive into the United States. -Tard has more than 7,100 stores in the United States (including the well-known Circle K brand), covering 47 states.

Should you buy Fire & Flower shares?

These developments are exciting for Fire & Flower, but the only downside here is that, since American Acres is privately owned, it is difficult to assess how attractive this opportunity is to the cannabis retailer. If the number of stores is minimal and American Acres does not have a lot of market share, Fire & Flower may not make much of the gain from this deal, other than a quick way to enter the market. American market.

Pot stock is an attractive buy given Fire & Flower’s partnership with Couche-Tard and its market leadership position in Canada, but investing on the sole basis of this trade could be a risky decision that sets expectations too much. high.

This article represents the opinion of the author, who may disagree with the “official” recommendation position of a premium Motley Fool consulting service. We are heterogeneous! Challenging an investment thesis – even one of our own – helps us all to think critically about investing and make decisions that help us become smarter, happier, and richer.


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How to finance higher education | Financing in minutes https://saltwaterconnections.org/how-to-finance-higher-education-financing-in-minutes/ https://saltwaterconnections.org/how-to-finance-higher-education-financing-in-minutes/#respond Thu, 08 Apr 2021 02:37:42 +0000 https://saltwaterconnections.org/how-to-finance-higher-education-financing-in-minutes/ You’ve probably heard it said that “the most important investment you can make is in yourself and your education”. From almost every angle, this statement is solid advice. But, as with many truths, there is often a temptation to justify decisions and undertakings that cause long-term frustration and regret – getting into the current student […]]]>

You’ve probably heard it said that “the most important investment you can make is in yourself and your education”. From almost every angle, this statement is solid advice. But, as with many truths, there is often a temptation to justify decisions and undertakings that cause long-term frustration and regret – getting into the current student debt crisis in the United States.

Is university a real investment worth taking on debt, often for years or even decades after graduation? In short, no; I do not believe. This is my personal opinion as a college graduate who has been in the workforce for almost nine years since graduating from college. I have witnessed the true burden of student debt on those who are already struggling to start their careers and build their adulthood after college.

You don’t have to go to college to be successful, even successful. While Chris Hogan’s unprecedented study of 10,000 millionaires in the United States found that 88% of millionaires have at least a bachelor’s degree, 60% of those surveyed have graduated from a public institution, and 8% are graduates of ‘a community college. Although statistics show that a degree can be helpful in the process of building wealth, there are many outliers. I personally know several millionaires without degrees. There are other popular icons who never attended or finished college, including Bill Gates, the late Steve Jobs, and Richard Branson. University itself rarely influences your success directly, nor is it a reason to go into debt with debilitating debt.

I look at my college experience as I remember my first car, a 1995 Chevy S10 pickup truck that we finally sold several summers ago – necessary for my purposes, able to do the job and get to where I am. wanted to be, and a valuable tool for the time it was needed. But it certainly wasn’t worth taking on debt, especially debt that I might carry with me long after driving another vehicle. I once heard a radio listener call the Dave Ramsey Show for financial advice; she was a stay-at-home mom (to be clear: a job and a vocation, I believe, are the most important in the world), and she had tens of thousands of dollars in student loan debt for a degree that she did had never planned to get use it again.

I have a bachelor’s degree in aviation science with a minor in economics, and if I had stayed in university for one more term, I could have gotten a double major in business administration. Instead, I took my last final exam a week earlier, skipped graduation, went straight to regional airline ground school, and graduated by the post office. The reason I even graduated is that at the time the big airline I hoped to work for one day required a four-year degree to be hired as a pilot; it was a long-standing requirement. Yet operating an aircraft at the highest level of safety does not require a college degree, and much of the industry, including my employer, has since abandoned this requirement.

I learned some fascinating things in college. But aside from the aviation part, a basic understanding of economics and supply and demand, and a semi-practical knowledge of accounting principles, I use virtually zero of my college education functionally in my life. daily.

The most important part of my entire education was the side effect it had on my life, much of which solidified even before college. I learned to manage time, the importance of structure in my life, how to plan and accomplish tasks and goals, and most importantly, how to continually learn and think critically. These lessons were worth infinitely more than any private lesson (sorry, Geography 101).

So yes, college is an “investment,” but maybe not as it’s traditionally defined, as a house that continually accumulates value over time and can be sold for a profit later. Rather, think of it as a building block or useful tool in your arsenal. A college education should be a blessing and an asset, not a curse and a handicap. There are several columns we discussed the important distinction between adopting an ‘asset’ mindset – investing heavily in things that increase in value over time (like real estate or retirement investments) and having an ‘asset’ mindset. of “responsibility” – that is, using your hard-earned money to buy things that are not necessarily harmful in themselves, but which lose value over time (finance a new car every 3-5 years, putting each year’s new iPhone on a payment plan, or taking a vacation by putting it on a credit card). Done correctly, college could help open the door to a life of asset building; not the college itself, but the opportunities it offers, the skills it teaches and the connections it helps to create.

Actions you can take today, right now: as a student, or as a parent of a student, get together as a family. Discuss and formulate a desire and a plan for how the college will be paid in cash. Yes it’s possible! Discover Anthony ONeal and his resources and books, including the bestselling “Debt-Free Degree”. Make it your business and part-time (or full-time!) Job to research and apply for scholarship opportunities. For me, my family used a combination of college fund savings, a number of scholarships (influenced by factors like high school / college grades, essays, and other things) and jobs. during college to avoid student debt. As a parent, start contributing regularly to investments in a tax-advantaged college fund, such as a 529 plan or an education savings account (ESA), but first make sure you’re not in debt and contact a finance professional who can guide you through the process. If the numbers still don’t add up, consider how you can reframe the education process to achieve your end goal. An in-state public school can be incredibly cheaper than an out-of-state school for little difference in the real world. There is also a constant demand and excellent salary for traditional professions and trades, and there are many training programs and academies available at very reasonable prices.

We are living in unprecedented times. Technology has made high-quality, low-cost (even free) learning easily accessible. Most of what I’ve learned about real life and personal finance comes from an organized collection of books, savvy mentors, and solid best practices. You don’t need a degree to understand how to budget, invest for retirement, buy real estate, get an interview and get the job you really want, renovate your home, or develop healthy boundaries and relationships. with your spouse, family and friends. The knowledge is out there, and most of it is free. College is a laudable goal, and whether you pursue it or not, if you seek wisdom and knowledge diligently enough, you will find what you are looking for, I guarantee it.

Luke Miller is passionate about helping others succeed in their finances, their careers and their lives. A fourth-generation aviator, he is a pilot for a major airline based in Seattle. Luke and his wife live locally in Enumclaw. This article is based solely on the opinions and recommendations of the author and is not intended to be a source of investment advice.

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Nicolet Bankshares Inc. – Consensus Says Potential 3.9% Hike https://saltwaterconnections.org/nicolet-bankshares-inc-consensus-says-potential-3-9-hike/ https://saltwaterconnections.org/nicolet-bankshares-inc-consensus-says-potential-3-9-hike/#respond Thu, 08 Apr 2021 02:37:20 +0000 https://saltwaterconnections.org/nicolet-bankshares-inc-consensus-says-potential-3-9-hike/ Nicolet Bankshares inc. with ticker code (NCBS) now have 5 analysts covering the stock. Analysts’ consensus points to a “Hold” rating. The target price is between 77 and 68 by calculating the average target price that we see 71. Now, with the previous close price of 68.36, this indicates that there is a potential upside […]]]>

Nicolet Bankshares inc. with ticker code (NCBS) now have 5 analysts covering the stock. Analysts’ consensus points to a “Hold” rating. The target price is between 77 and 68 by calculating the average target price that we see 71. Now, with the previous close price of 68.36, this indicates that there is a potential upside of 3.9%. The 50 day moving average is 67.74 while the 200 day moving average is 60.04. The company’s market capitalization is $ 683 million. You can visit the company’s website by visiting: http://www.nicoletbank.com

Nicolet Bankshares is the holding company of Banque Nationale Nicolet which provides commercial and retail banking services to businesses and individuals. The company accepts checking, savings and money market accounts; various certificates of deposit; and individual retirement accounts. It also offers commercial loans, including commercial, industrial and commercial loans and lines of credit; commercial real estate loans; agricultural production (AG) and AG real estate loans; commercial real estate investments real estate loans; loans for construction and land use planning; residential real estate loans, such as residential first mortgages, sub-mortgages, home equity loans, lines of credit and residential construction loans; and consumer credit. In addition, the company provides treasury management, international banking, personal brokerage, safes, and trust and trust services, as well as wealth management and pension services. In addition, it offers mortgage refinancing; online services, such as commercial, retail and trust online banking services; automated bill payment, mobile bank deposits and account access, and remote deposit capture services; and other services including wire transfers, debit cards, credit cards, prepaid gift cards, direct deposits and official bank checks. In addition, the company provides investment strategies and transactional services to financial institutions. As of October 20, 2020, it operated 36 branches in Wisconsin and Michigan. The company was previously known as Green Bay Financial Corporation and changed its name to Nicolet Bankshares in March 2002. Nicolet Bankshares was founded in 2000 and is headquartered in Green Bay, Wisconsin.

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County considers funding options for sports complexes | Local News https://saltwaterconnections.org/county-considers-funding-options-for-sports-complexes-local-news/ https://saltwaterconnections.org/county-considers-funding-options-for-sports-complexes-local-news/#respond Thu, 08 Apr 2021 02:36:48 +0000 https://saltwaterconnections.org/county-considers-funding-options-for-sports-complexes-local-news/ The Hopkins County Tax Court Economic Development and Workforce Committee discussed financial options and next steps for financing the construction of the joint sports complex project with the City of Madisonville. At Tuesday’s meeting, committee members weighed the pros and cons of a local loan versus a government bond. Hopkins County Executive Judge Jack Whitfield […]]]>

The Hopkins County Tax Court Economic Development and Workforce Committee discussed financial options and next steps for financing the construction of the joint sports complex project with the City of Madisonville.

At Tuesday’s meeting, committee members weighed the pros and cons of a local loan versus a government bond. Hopkins County Executive Judge Jack Whitfield Jr. has called for a vote to allow him to have a hearing with the Department of Local Government over the county’s debt at the next court meeting.

The committee has three funding options to consider – two local loans and a bond option that is managed out of Frankfurt from an office that works through the Kentucky Association of Counties.

“We’re going to have to go through a public hearing here and then have a local debt hearing with DLG,” Whitfield said at Tuesday’s meeting. “At the next meeting, I will ask you to approve that I have the hearing with DLG either in Frankfurt or through Zoom. “

Whitfield said the DLG must approve the county to go into debt for the project.

“We’re still hoping to stay at $ 5 million or less,” Whitfield said.

Comparing the loan to the bond, Whitfield said the loan option provides more flexibility in payments, allowing the court to pay off the debt more quickly if funds are available.

The bond option, although the interest rate is lower, requires a higher upfront payment and does not pay more each month, locking the county into a payment plan.

“With the local rental option, we would have the ability to pay more than the regular payment, which would be around $ 33,000 per month,” he said. “Everything will depend on the exact final price. “

Other magistrates have also seen the benefit of using a local loan instead of a surety.

“My recommendation is to go for the cheapest rates, and I hope we can pay this thing off in no time,” District 2 Magistrate Bill Rudd said, adding that with the loans it would be. more flexible payment depending on the county’s financial situation. situation.

“The payment is just over $ 33,000 per month,” Rudd said at the committee meeting. “If we were able to increase that and pay just $ 50,000, it would have paid off in less than 10 years. If it gets a little tight, we can go out there and pay $ 33,000. “

District 6 Magistrate Charlie Beshears said he was more concerned with the availability of funds for other projects as the loan payment continued, recommending that the payment plan be something that allows the county to pursue other projects if he wishes.

“I’m not concerned with the payback in seven or 10 years,” he said. “Paying it off early means there are a lot of projects we can’t do because all the funding for the county will be tied up. “

District 7 Magistrate Hannah Myers said she was not for the bond option.

“I’m not a bond person,” she said. “I don’t like the way it works.”

Whitfield also shared plans to use the funding that has been set aside through the coal severance package.

“This is a local government economic development fund, also known as a single county coal separation fund,” he said. “It’s funded by the state coal mines and the severance pay tax they pay to the state, and that pay is used for several different purposes. It is a very complicated formula that the state uses; some of it goes into a single county count and how much a county gets depends on how much coal mined in that county, the number of hours worked in the coal mine and several other factors. Once that is all figured out, that money is set aside for each county.

Whitfield said that funding was not in the county’s back account.

“It’s in Frankfurt, and we have to get approval to spend this money, and I have to sign it and all of our state officials and senators have to sign it, and it has to be for a use that is approved by the department. local governments, ”he said.

Whitfield added that there was approximately $ 3 million available for Hopkins County through this account.

“Over the past couple of years we’ve tried not to spend a lot of this one county coal separation money because we knew we had this project we wanted to do,” he said. declared. “I like to save money to prepay as much as possible. The court will have to approve that as well as the severance pay for the coal that we are spending. It is a multi-step process. “


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The winter weather advisory remains in effect Tuesday as freezing rain and ice accumulations persist; “Several cars sped off,” Massachusetts State Police said https://saltwaterconnections.org/the-winter-weather-advisory-remains-in-effect-tuesday-as-freezing-rain-and-ice-accumulations-persist-several-cars-sped-off-massachusetts-state-police-said/ https://saltwaterconnections.org/the-winter-weather-advisory-remains-in-effect-tuesday-as-freezing-rain-and-ice-accumulations-persist-several-cars-sped-off-massachusetts-state-police-said/#respond Wed, 07 Apr 2021 23:17:44 +0000 https://saltwaterconnections.org/the-winter-weather-advisory-remains-in-effect-tuesday-as-freezing-rain-and-ice-accumulations-persist-several-cars-sped-off-massachusetts-state-police-said/ Much of Massachusetts will remain icy cold for much of Tuesday morning. A winter weather advisory will remain in effect for all of Massachusetts east to central Middlesex County until 7 a.m., with forecasters warning of freezing rain, ice packs and slippery driving conditions. The dangerous conditions will likely have an impact on the morning […]]]>

Much of Massachusetts will remain icy cold for much of Tuesday morning.

A winter weather advisory will remain in effect for all of Massachusetts east to central Middlesex County until 7 a.m., with forecasters warning of freezing rain, ice packs and slippery driving conditions.

The dangerous conditions will likely have an impact on the morning drive before the precipitation mainly turns to rain at dawn, according to the National Weather Service. The agency nonetheless urged drivers to slow down and use caution when traveling.

Massachusetts State Police have previously reported that roads in northeastern Massachusetts, including Route 128 in the Route 3 area of ​​Burlington, are icy. Several cars skidded or slid off the road, authorities noted.

“Motorists should watch out for icy roads and take precautions. Schedule extra time and adjust the speed down accordingly, ”state police said in a tweet.

Early Tuesday, a line of freezing rain extended along and west of Interstate 495 in northern Massachusetts to the Worcester Hills and Berkshires, according to the weather service.

This line will slowly retreat to the northwest as the morning progresses. From 7 a.m. to 8 a.m., sub-freezing temperatures and freezing rains are expected to be confined to western and central Massachusetts, especially in upland areas like the Worcester Hills and eastern slopes. Berkshires, forecasters said.

Temperatures are expected to exceed freezing statewide around noon, promoting dry weather and ending the threat of freezing rain, according to the meteorologist.

By the time the storm is over, about a tenth to a quarter of the ice will have accumulated across the state east of I-495. Larger amounts, a quarter to a half inch, are expected in hill towns of the Pioneer Valley and a pocket of central Massachusetts from Worcester to Fitchburg, the weather service said.

Lesser ice accumulations of 0.01 to 0.10 inches are expected in the counties of Essex, Middlesex, Suffolk and Norfolk. Much of southeastern Massachusetts and the Cape and Islands will not experience any build-up, the agency said.

Forecasters were also anticipating light accumulations of snow and sleet. Most communities were expected to get only an inch of the winter precipitation mix, with Boston, Worcester and Springfield receiving less than an inch.

Up to 2 inches was expected in Berkshire, Franklin and North Worcester counties, and a pocket of up to 3 inches was expected in and around North Adams, officials said.

The rains are expected to end on Tuesday afternoon. Dry and cold weather will return on Wednesday before another winter storm arrives later this week and brings plow snow to the Commonwealth, meteorologists say.

“Another hard-hitting winter storm will sweep through the region from Thursday to Friday, bringing several inches of snow, potentially mixing with sleet / freezing rain / rain overnight,” the weather service said.

Forecasts are subject to change after 72 hours.

Related content: Ahead of a light snow and ice storm, a winter weather advisory was issued for most of Massachusetts


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Mortgage and refinancing rate today, April 2 https://saltwaterconnections.org/mortgage-and-refinancing-rate-today-april-2/ https://saltwaterconnections.org/mortgage-and-refinancing-rate-today-april-2/#respond Wed, 07 Apr 2021 23:17:41 +0000 https://saltwaterconnections.org/mortgage-and-refinancing-rate-today-april-2/ Today’s Mortgage and Refinance Rates Average mortgage rates fell again slightly yesterday. They have increased significantly over the past month. But they have fallen on six of the last nine working days. The much better-than-expected March employment figures this morning could normally revive the markets. But most are closed today for Good Friday. However, the […]]]>

Today’s Mortgage and Refinance Rates

Average mortgage rates fell again slightly yesterday. They have increased significantly over the past month. But they have fallen on six of the last nine working days.

The much better-than-expected March employment figures this morning could normally revive the markets. But most are closed today for Good Friday. However, the bond markets are open until noon (ET). And they are the ones most closely associated with mortgage rates.

Unfortunately, it seems they are likely to respond positively to these employment figures. And that means mortgage rates could rise slightly today or maybe stay stable.



Current mortgage and refinancing rates




COVID-19 Mortgage Updates: Mortgage lenders change rates and rules due to COVID-19. To see the latest news on the impact of the coronavirus on your home loan, Click here.

Should you lock in a mortgage rate today?

Although there are a few small clouds in the sky, the weather still looks favorable for an economic recovery and boom. And that almost inevitably means higher mortgage rates for a while.

My personal rate foreclosure recommendations therefore remain:

  • LOCK if the closure 7 days
  • LOCK if the closure 15 days
  • LOCK if the closure 30 days
  • LOCK if the closure 45 days
  • LOCK if the closure 60 days

But I don’t pretend to have perfect foresight. And your personal analysis could turn out as good as mine, if not better. You can therefore choose to be guided by your instincts and your personal risk tolerance.

Market data affecting today’s mortgage rates

Most of the markets are closed today. So here’s a look at the situation this morning around 9:50 a.m. (ET) just for the bond market which deals in 10-year US Treasury bonds. The data, compared to around the same time yesterday, was as follows:

  • The 10-year Treasury bill yield increased from 1.70% to 1.72% (Bad for mortgage rates.) More than any other market, mortgage rates normally tend to track these particular yields on Treasury bonds, although less recently.

* A change of less than $ 20 in gold prices or 40 cents in oil prices is a fraction of 1%. We therefore only count significant differences as good or bad for mortgage rates.

Warnings about markets and rates

Before the pandemic and the Federal Reserve’s interventions in the mortgage market, you could look at the numbers above and make a pretty good guess at what would happen to mortgage rates that day. But this is no longer the case. We still make daily calls. And are generally right. But our accuracy record won’t hit its former high levels until things calm down.

Therefore, only use the markets as a guide. Because they have to be exceptionally strong or weak to lean on them. But, with that caveat, so far mortgage rates today appear likely to rise or perhaps remain stable. Just be aware that intraday fluctuations (when rates change direction during the day) are a common feature at this time.

Important Notes on Today’s Mortgage Rates

Here are some things you should know:

  1. Typically, mortgage rates rise when the economy is doing well and fall when it is struggling. But there are exceptions. Read ‘How mortgage rates are determined and why you should care
  2. Only “$ 2op-tier” borrowers (with exceptional credit scores, large down payments and very healthy finances) get the ultra low mortgage rates you’ll see advertised.
  3. Lenders vary. Yours may or may not follow the crowd when it comes to daily rate movements – although they generally all follow the larger trend over time.
  4. When daily rate changes are small, some lenders adjust closing costs and leave their fee schedules unchanged.
  5. Refinancing rates are generally close to those for purchases. But some types of refinancing are higher following a regulatory change

So there is a lot going on here. And no one can claim to know for sure what will happen to mortgage rates in the hours, days, weeks or months to come.

Are mortgage and refinancing rates going up or down?

Today etc

The official monthly employment report is arguably the most important of all economic reports. And this morning’s, which covered March, was much better than expected.

The non-farm payroll increased by 916,000 that month and the unemployment rate fell to 6%. Analysts polled by Dow Jones had estimated an increase in non-farm payrolls of 675,000. That would have been pretty impressive. But the higher number suggests that the economic recovery is well underway.

And, if these numbers continue to hold up, higher mortgage rates to come are very likely. So will they hold on?

Probably. But COVID-19 infection rates are now increasing in many places, with Florida, Michigan, New Jersey, New York and Pennsylvania among the hardest-hit states. If things get worse before the immunization schedule can avoid further increases, we might see the recovery delayed. And that could create a lull in rising mortgage rates.

Overall, I still expect the recovery to come more or less on time. But there is a chance that it will be delayed long enough that we will see a plateau or even a drop in the mortgage rate chart.

For more information on my broader thinking, read our latest weekend edition, which is published every Saturday shortly after 10 a.m. (ET).

Recently

Through much of 2020, the overall trend for mortgage rates was clearly downward. And a new all-time low was set 16 times last year, according to Freddie Mac.

The most recent weekly record low occurred on January 7, when it stood at 2.65% for 30-year fixed-rate mortgages. But the rates then went up. And Freddie’s April 1 report puts that weekly average at 3.18% (with 0.7 fees and points), up from 3.17% the week before.

Expert mortgage rate forecasts

In the longer term, Fannie Mae, Freddie Mac and the Mortgage Bankers Association (MBA) each have a team of economists dedicated to monitoring and forecasting developments in the economy, the real estate sector and mortgage rates. .

And here are their current rate forecasts for the remaining quarters of 2021 (Q2 / 21, Q3 / 21, Q4 / 21) and the first quarter of 2022 (Q1 / 22).

The figures in the table below are for 30 year fixed rate mortgages. The Fannies were updated on March 17 and the MBAs on March 22. But Freddie now publishes quarterly forecasts. Its figures date from January 10 and seem clearly out of date:

Forecaster T2 / 21 Q3 / 21 T4 / 21 T1 / 22
Fannie Mae 3.1% 3.1% 3.2% 3.3%
Freddie mac 3.0% 3.0% 3.0% N / A
MBA 3.2% 3.4% 3.6% 3.7%

However, given so many unknowables, the current crop of forecasts could be even more speculative than usual. And there is certainly a widening of the gap as the year progresses.

Find your lowest rate today

Some lenders have been frightened by the pandemic. And they limit their offers to the more vanilla mortgages and refinances.

But others remain courageous. And you can probably still find the refinance, investment mortgage, or jumbo loan you want. Just shop more widely.

But, of course, you should be doing a lot of comparisons regardless of what type of mortgage you want. As a federal regulator, the Consumer Financial Protection Bureau said:

Shopping around for your mortgage can save you money. It may not seem like much, but saving even a quarter of a point of interest on your mortgage saves you thousands of dollars over the life of your loan.



Mortgage rate methodology

Mortgage reports receive rates based on selected criteria from several lending partners every day. We arrive at an average rate and an APR for each type of loan to display in our graph. Because we average a range of rates, it gives you a better idea of ​​what you might find in the market. In addition, we average the rates for the same types of loans. For example, fixed FHA with fixed FHA. The end result is a good overview of the daily rates and how they have changed over time.

The information contained on The Mortgage Reports website is provided for informational purposes only and does not constitute an advertisement for any products offered by Full Beaker. The views and opinions expressed herein are those of the author and do not reflect the policy or position of Full Beaker, its officers, its parent company or its affiliates.


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Man kills neighbor, cooks his heart with potatoes and feeds him to his family before clubbing 3 other people https://saltwaterconnections.org/man-kills-neighbor-cooks-his-heart-with-potatoes-and-feeds-him-to-his-family-before-clubbing-3-other-people/ https://saltwaterconnections.org/man-kills-neighbor-cooks-his-heart-with-potatoes-and-feeds-him-to-his-family-before-clubbing-3-other-people/#respond Wed, 07 Apr 2021 23:17:40 +0000 https://saltwaterconnections.org/man-kills-neighbor-cooks-his-heart-with-potatoes-and-feeds-him-to-his-family-before-clubbing-3-other-people/ Police reached the deceased’s home after being informed and saw his body (Representative image). | Photo credit: iStock images Highlights Oklahoma man allegedly murdered neighbor and cooked her heart before killing uncle and granddaughter The man was taken to court on Tuesday and pleaded he did not want bail Oklahoma: A repeat offender allegedly murdered […]]]>

Police reached the deceased’s home after being informed and saw his body (Representative image). | Photo credit: iStock images

Highlights

  • Oklahoma man allegedly murdered neighbor and cooked her heart before killing uncle and granddaughter
  • The man was taken to court on Tuesday and pleaded he did not want bail

Oklahoma: A repeat offender allegedly murdered his neighbor, cooked his heart with potatoes and gave it to his family before murdering three other members of his family. The 42-year-old allegedly stabbed his neighbor to death at his residence in Chickasha, Oklahoma on February 9.

The accused has been identified as Lawrence Paul Anderson. After murdering his neighbor Andrea Lynn Blankenship, the accused returned home and killed his uncle and granddaughter.

Accused aunt stabbed in both eyes

Police arrived at the deceased’s home after being informed and saw his body. As the 67-year-old died, the child – Kaeos Yates – was injured. However, she breathed her last on the way to the hospital. The accused also stabbed his Aunt Delsie Pye in both eyes. The woman, however, survived.

The accused gave heart to his family “free the demons”

During his interrogation, Anderson revealed that he cooked his neighbor’s heart with potatoes and gave it to his family because he wanted to “free the demons”. According to Oklahoman, the man was released from prison in January this year.

He was sentenced to 20 years for gun and drug offenses in 2017. The sentence was commuted to 9 years by Governor Kevin Stitt on the recommendation of the Oklahoma Pardons and Parole Board . The man was paroled last month and lived with his uncle and aunt.

“I don’t want a deposit”

Grady County District Attorney Jason Hicks charged Anderson with three counts of first degree murder and two counts of assault with a fatal weapon and dismemberment on Tuesday. Anderson broke down in court Tuesday and said, “I don’t want a bond, Your Honor. I don’t want a bond.” According to Hicks, the death penalty for Anderson is “on the table.”

Blankenship’s body was reportedly discovered two days after cops found Yates and his uncle. In the search warrant request, it was mentioned that the investigators wished to recover the utensils used for the kitchen by the accused. Efforts are also being made to determine whether the accused was under the influence of drugs when he murdered the victims.


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