Market Offers – La Alborada http://la-alborada.com/ Sat, 18 Sep 2021 04:56:46 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 http://la-alborada.com/wp-content/uploads/2021/05/la-alborada-icon-150x150.png Market Offers – La Alborada http://la-alborada.com/ 32 32 Caesars Sportsbook has a fantastic pair of football promotions this weekend http://la-alborada.com/caesars-sportsbook-has-a-fantastic-pair-of-football-promotions-this-weekend/ http://la-alborada.com/caesars-sportsbook-has-a-fantastic-pair-of-football-promotions-this-weekend/#respond Sat, 18 Sep 2021 03:05:21 +0000 http://la-alborada.com/caesars-sportsbook-has-a-fantastic-pair-of-football-promotions-this-weekend/

Caesars Sportsbook continues its aggressive push into a number of legal sports betting markets this weekend. The new sports betting site announced a partnership with LSU on Friday, making headlines and leading to an action packed weekend of football. The deal is just the latest in a series of milestones for the brand, which has emerged among major online sports betting companies.

With positive momentum fueled by a strong advertising campaign, exceptional promotions and a number of recent partnership agreements, Caesars Sportsbook is set for another big weekend.

New players to online sports betting can enjoy an industry’s best risk-free bet of $ 5,000 on Saturday on any game from top to bottom of a loaded roster, including Top 25 matches between Florida-Alabama, Auburn-Penn State and Arizona State-BYU. They can also wait until Sunday to use it on a number of intriguing clashes, including a prime-time showdown between the Chiefs and Ravens.

Click any of the status links in this article to grab Caesars Sportsbook and enjoy a solid pair of football promotions: Tennessee here, Virginia here, Colorado here, Michigan here, Indiana here, New Jersey here, and Iowa here.

Caesars Sportsbook Deals This Weekend

Most online sports betting offers risk-free bets of around $ 1,000. Seeking to make a splash in a number of established and new betting markets, Caesars Sportsbook has raised the bar by offering a risk-free bet of $ 5,000, which is 5 times the amount of other leading platforms.

Why are they doing this, exactly?

Following a recent rebranding, Caesars Sportsbook has developed an aggressive game plan to gain significant market share in major online sports betting states.

Also of note, Caesars Sportsbook has an exceptional college football promotion targeting the Auburn-Penn State game. Bettors can grab the Nittany Lions to win with odds of +100 on bets up to $ 25. Normally, Penn State would be -200, so that’s a substantial boost.

Meanwhile, a similar odds increase will be offered for Sunday’s NFL action which offers punters favorable odds.

Free NFL Jersey Promo Caesars Sportsbook

Beyond these offers, bettors can also take advantage of Caesars Sportsbook’s popular free NFL jerseys offer. Those who place at least $ 100 in NFL bets that end during the month of September (week 2 and week 3) will receive a nfl jersey.

In fact, they’ll receive a $ 150 credit on NFLShop.com that can be used toward the purchase of a jersey – or any other gear. Bettors can purchase hats, jerseys, t-shirts, hoodies, and other clothing with the $ 150 gift card.

If you are planning to place a single bet or multiple bets on NFL action this month, there is absolutely nothing wrong with getting some pocket money to do so.

How to start

Caesars Sportsbook is available in a number of legal online sports betting states. These states include Arizona, Michigan, Virginia, Iowa, Indiana, New Jersey, Tennessee, Colorado, New Jersey, etc. Use one of the status specific links in this article to claim the $ 5,000 bet and free jersey promotions.

  • Make a first deposit of at least $ 10. However, we recommend a stronger first deposit in order to fully realize the value of these promotions.
  • After depositing, make a risk-free first bet.
  • Go back and make at least $ 100 worth of NFL bets (single or multiple bets) to get a free NFL jersey.

Caesars sports betting

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Banks beware, Amazon and Walmart crack the finance code http://la-alborada.com/banks-beware-amazon-and-walmart-crack-the-finance-code/ http://la-alborada.com/banks-beware-amazon-and-walmart-crack-the-finance-code/#respond Fri, 17 Sep 2021 16:42:00 +0000 http://la-alborada.com/banks-beware-amazon-and-walmart-crack-the-finance-code/
  • Investments in integrated finance jump in 2021, data shows
  • Buy now, pay later, offers take center stage
  • Fintech market valuations overtake banks

LONDON, September 17 (Reuters) – Anyone can be a banker these days, all you need is the right code.

Global brands from Mercedes and Amazon (AMZN.O) to IKEA and Walmart (WMT.N) are cutting out the traditional financial middleman and plugging in software from tech startups to deliver everything from banking to credit to customers. assurance.

For established financial institutions, the warning signs are flashing.

So-called integrated financing – a fancy term for companies integrating software to offer financial services – means that Amazon can allow customers to “buy now and pay later” when they upgrade. checkout and Mercedes drivers can charge their cars for their fuel.

While banks are still at the origin of most transactions, investors and analysts say the risk for traditional lenders is that they are far from the beginning of the financial chain.

And that means they’ll be further removed from the mountains of data others are collecting about their customers’ preferences and behaviors – data that could be crucial in giving them an edge over banks in financial services.

“Integrated financial services take the concept of cross-selling to new heights. They are built on an ongoing, software-based data relationship with the consumer and the business, ”said Matt Harris, partner of investor Bain Capital Ventures.

“This is why this revolution is so important,” he said. “This means that all the good risks will go to these integrated companies who know so much about their customers and what is left will go to the banks and insurance companies.”

WHERE DO YOU WANT TO PLAY?

For now, many areas of integrated finance are barely shaking the dominance of banks and although some new entrants are licensed to offer regulated services such as lending, they lack the scale and funds to build on. deep financing from the biggest banks.

But if fintech firms, or fintechs, can match their success by grabbing a portion of banks’ digital payments – and upping their ratings in the process – lenders may have to respond, analysts say.

Stripe, for example, the payment platform behind many sites with customers including Amazon and Alphabet (GOOGL.O) Google, was valued at $ 95 billion in March. Read more

Accenture estimated in 2019 that new entrants to the payments market had amassed 8% of global revenue – and that share has grown in the past year as the pandemic has boosted digital payments and impacted traditional payments, said Alan McIntyre, senior director of banking at Accenture, said.

Now the focus is on loans, as well as off-the-shelf digital lenders with a variety of products that businesses can choose from and integrate into their processes.

“The vast majority of consumer-centric businesses will be able to launch financial products that will significantly improve their customer experience,” said Luca Bocchio, partner at venture capital firm Accel.

“This is why we are so excited about this space.”

So far this year, investors have invested $ 4.25 billion in integrated finance startups, nearly three times the amount in 2020, according to data provided to Reuters by PitchBook.

Swedish buying company Now Pay Later (BNPL) Klarna, which has raised $ 1.9 billion, is leading the way.

DriveWealth, which sells technology that allows companies to offer fractional stock exchanges, has attracted $ 459 million while investors have invested $ 229 million in Solarisbank, a licensed German digital bank that offers a range of software banking services.

Shares of Affirm (AFRM.O), meanwhile, surged last month when it partnered with Amazon to offer BNPL products, while US rival Fintech Square (SQ.N) announced the Last month it bought Australian company BNPL Afterpay (APT.AX) for $ 29 billion.

Square is now worth $ 113 billion, more than Europe’s most valued bank, HSBC (HSBA.L), at $ 105 billion.

“Big banks and insurers will lose out if they don’t act quickly and figure out where to play in this market,” said Simon Torrance, founder of Embedded Finance & Super App Strategies.

Reuters Charts

DO YOU NEED A LOAN !

Several other retailers have announced their intention this year to expand their financial services.

Walmart launched a fintech startup with investment firm Ribbit Capital in January to develop financial products for its employees and customers, while IKEA took a minority stake in BNPL Jifiti last month.

Automakers such as Volkswagen’s Audi (VOWG_p.DE) and Tata’s Jaguar Land Rover (TAMO.NS) have experimented with integrating payment technology into their vehicles to make payment easier, in addition to the Mercedes by Daimler (DAIGn.DE).

“Customers expect services, including financial services, to be directly integrated at the point of consumption and to be convenient, digital and immediately accessible,” said Roland Folz, Managing Director of Solarisbank, which provides banking services to more than 50 companies, including Samsung. .

It’s not just end consumers who are targeted by integrated finance startups. Businesses themselves are strained as their digital data is processed by fintechs such as Shopify of Canada (SHOP.TO).

It provides software to merchants and its Shopify Capital division also offers cash advances, based on analysis of over 70 million data points on its platform.

“No merchant comes to us and tells us I would like a loan. We go to the merchants and tell them, we think it’s time to finance you,” said Kaz Nejatian, vice president, merchant products and services. at Shopify.

“We don’t ask for business plans, we don’t ask for tax returns, we don’t ask for tax returns, and we don’t ask for personal guarantees. Not because we are benevolent but because we believe those “These are bad signals about the chances of success on the Internet,” he said.

A Shopify spokesperson said the funding ranged from $ 200 million to $ 2 million. It provided $ 2.3 billion in cumulative capital advances and is valued at $ 184 billion, well above the Royal Bank of Canada (RY.TO), the country’s largest traditional lender.

FUTURE CONNECTED?

Shopify’s lending business is still overshadowed by the big banks, however. JPMorgan Chase & Co (JPM.N), for example, had a portfolio of consumer and community loans worth $ 435 billion at the end of June.

Major advances in financing businesses in other sectors could also be constrained by regulators.

Officials at the Bank for International Settlements, a consortium of central banks and financial regulators, warned watchdogs last month to tackle the growing influence of tech companies in finance. Read more

Bain’s Harris said financial regulators take the approach that because they don’t know how to regulate tech companies, they insist there is a bank behind every transaction – but that doesn’t mean banks would prevent fintechs from encroaching.

“They are right that banks will always have a role but it is not a very rewarding role and it involves very little customer ownership,” he said.

Forrester analyst Jacob Morgan said banks need to decide where they want to be in the financial chain.

“Can they afford to fight for the primacy of the customer, or do they actually see a more profitable path to the market to become the rails that other people run on?” ” he said. “Some banks will choose to do both.”

And some are already fighting.

Citigroup (CN) has partnered with Google on bank accounts, Goldman Sachs (GS.N) provides credit cards to Apple (AAPL.O) and JPMorgan purchases 75% of Volkswagen’s payments business and plans to expand to other sectors. read more 06:00:00

“Connectivity between different systems is the future,” said Shahrokh Moinian, wholesale payments manager, EMEA, at JPMorgan. “We want to be the leader.”

Reporting by Anna Irrera and Iain Withers; Editing by Rachel Armstrong and David Clarke

Our Standards: Thomson Reuters Trust Principles.

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Hawkins Cookers offers up to 8% on Fixed Deposit http://la-alborada.com/hawkins-cookers-offers-up-to-8-on-fixed-deposit/ http://la-alborada.com/hawkins-cookers-offers-up-to-8-on-fixed-deposit/#respond Fri, 17 Sep 2021 04:31:08 +0000 http://la-alborada.com/hawkins-cookers-offers-up-to-8-on-fixed-deposit/

On September 15, Hawkins Cookers Ltd opened pre-registration for its Fixed Deposit (FD). The FD program is offered in 3 tenors – 12 months, 24 months and 36 months. The company offers interest rates of 7.5%, 7.75% and 8% respectively on the three tenors. For the payment of interest, the company offers two options – semi-annual and cumulative. In semi-annual payment, you receive interest twice a year while, in the cumulative option, you receive interest at the end of the term. The cumulative option allows the interest portion to also compound monthly and therefore your return increases to 8.3%. Existing FD holders can also renew their FDs. To do this, they must express their interest in renewing online at least 10 days before the FD expires.

Hawkins Cooker FD is rated AA Stable by the ICRA and has a long history in the market. It was offering interest rates up to 10.5% in 2019. This rate fell to 9% in 2020 and has now reached 8%, reflecting the overall decline in interest rates in India. However, the rate offered is at a substantial premium to bank interest rates of 5-6%. As of September 2019, the company had FDs worth ??22 crores in his books and was allowed to lift ??6.76 crore from its shareholders and 16.90 crore from the general public. As of July 29, the existing FD figure had risen to 34 crore, leaving the company the opportunity to raise 28.17 crore from its shareholders and the general public. The company’s after-tax profit has also increased sharply in recent years, from ??54.22 crore in fiscal year 19 to ??80.64 crore in FY21, despite the Covid-19 pandemic. It has a market capitalization of ??3,316 crores as of Sept. 15, according to data from Value Research.

The pre-registration process is completely online. Interested parties will need to authenticate their mobile phone number using a one-time password (OTP). After that, a screen will appear where they will have to enter details such as name, PAN number, address and requested FD amount. The company will then assign a pre-registration number if there is a sufficient amount available that has not already been assigned. If the available limits are insufficient, the company will assign the applicant a waiting list number. The link for the FD app is here.

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Crescent Communities and Pretium Announce Joint Venture for Single-Family Rental Construction Platform | http://la-alborada.com/crescent-communities-and-pretium-announce-joint-venture-for-single-family-rental-construction-platform/ http://la-alborada.com/crescent-communities-and-pretium-announce-joint-venture-for-single-family-rental-construction-platform/#respond Thu, 16 Sep 2021 15:09:31 +0000 http://la-alborada.com/crescent-communities-and-pretium-announce-joint-venture-for-single-family-rental-construction-platform/

Partnership plans to invest $ 1 billion in key Sunbelt markets

The HARMON brand will provide the benefits of single family living; First HARMON Foxbank community available for rent in early 2022

CHARLOTTE, North Carolina and NEW YORK, Sept. 16, 2021 (GLOBE NEWSWIRE) – Crescent Communities and Pretium today announced the formation of a joint venture to invest $ 1 billion in new single-family construction communities for rent across 14 key strategic growth markets. The first community will be located in Charleston Market and will be closely followed by communities from other Sunbelt towns.

Together, Crescent Communities and Pretium will leverage each organization’s respective experience and backgrounds to establish new, differentiated, high-quality single-family home communities for rent in attractive markets. The business will have a competitive advantage through Crescent Communities’ affiliate relationship with home builders in the Sumitomo Forestry portfolio, which operates across the United States and collectively builds more than 10,000 homes per year. This affiliate relationship provides the company with strategic residential construction delivery and increased sourcing opportunities that are expected to result in rapid growth for the platform. Progress Residential, Pretium’s single-family rental platform and a leading construction community manager for rent, will manage the company’s communities, which are expected to be available from early 2022.

“Building rental housing allows Crescent Communities to be part of the solution to the huge rental housing under-supply in the United States, and this partnership allows us to develop more than 3,000 new rental housing units,” said Tony Chen. , General Manager of Single Family Construction for Rent at Crescent Communities. “We are eager to apply best practices from our experience in mixed-use development and are delighted to partner with Pretium, who have extensive experience in scaling and managing single-family rental portfolios across the country. ‘using technology-based operating processes. “

“The business is a natural extension of our industry-leading single-family home rental platform and an opportunity to provide our residents with a gateway opportunity to home ownership in great neighborhoods,” said Matt Johnston, general manager, responsible for construction for hire at Pretium. . “With a complementary market leader in Crescent Communities, we believe this is a strong partnership and we look forward to working together to provide affordable, high quality and professionally managed rental housing options in some of the most attractive markets. . in the countryside.”

Introducing the HARMON brand, focused on offering residents the benefits of single-family living

The company’s new communities will operate under the HARMON brand, with a focus on delivering a top-notch rental experience with the benefits of single-family living – including privacy, extra space and a sense of community pride – without the frictions of home ownership.

Residents will have the option to choose from a combination of three- and four-bedroom townhouses and / or detached single-family homes, and each community will include features that will provide interactive spaces – such as a dedicated outdoor space, walking trails , pocket parks and more – to encourage residents to fully immerse themselves in the neighborhood.

The first 109 townhouse community, located 25 miles from downtown Charleston in the town of Moncks Corner, South Carolina, will be known as HARMON Foxbank. The builder will be DRB Group, a home builder affiliated with Sumitomo Forestry. Construction is expected to begin in October 2021 with the first units available for rent in early 2022. HARMON Foxbank will be located near the entrance to the Foxbank neighborhood, a planned community that includes residences for sale, a shopping center and a new one. primary school built.

About Crescent Communities Crescent Communities is a nationally recognized real estate investor, developer and operator of mixed-use communities. We create high quality, differentiated residential and commercial communities in many of the fastest growing markets in the United States. Since 1963, our development portfolio has included more than 68 multi-family communities, 21 million square feet of commercial space and 60 single-family master plan communities. Crescent Communities has offices in Charlotte, DC, Atlanta, Orlando, Nashville, Dallas, Denver, Phoenix, and Salt Lake City. Our multi-family communities are marked NOVEL by Crescent Communities.

About Pretium Pretium is an alternative investment management company specializing in US residential real estate, residential credit and business credit. Pretium was founded in 2012 to take advantage of centuries-old investment and lending opportunities resulting from structural changes, disruption and inefficiencies in the economy. Pretium has built an integrated analytical and operational ecosystem in the US housing, residential and business credit markets, and believes its knowledge and experience in these markets creates a strategic advantage over other investment managers. Pretium’s platform has more than $ 25 billion in assets under management as of June 30, 2021 and employs approximately 2,500 people in 29 offices. Please visit www.pretium.com for more information.

About Progress Residential Progress Residential is a market leader in intelligent single-family rental management services, with people, technology, scale and data-driven solutions that streamline operations, optimize asset performance and deliver exceptional rental and living experience to our residents. Progress Residential’s approximately 1,500 employees currently manage more than 70,000 homes in 30 markets. Progress Residential also offers a third-party property management service for investors with portfolios of mid to large-sized single-family rental homes and Built for Rent communities through its Progress Residential Management Services. For more information, please visit www.rentprogress.com.

Contacts

Red Crescent Communities

Lauren Ferguson Sprouthouse 205-383-8450 lauren@sprouthouseagency.com

Pretium

Jon Keehner / Julie Hamilton / Lyle Weston Joele Frank, Wilkinson Brimmer Katcher 212-355-4449 Media-SFR@pretium.com

Copyright 2021 GlobeNewswire, Inc.

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A free iPhone 13? Subsidies from wireless operators could make it happen, with some catch http://la-alborada.com/a-free-iphone-13-subsidies-from-wireless-operators-could-make-it-happen-with-some-catch/ http://la-alborada.com/a-free-iphone-13-subsidies-from-wireless-operators-could-make-it-happen-with-some-catch/#respond Wed, 15 Sep 2021 01:14:00 +0000 http://la-alborada.com/a-free-iphone-13-subsidies-from-wireless-operators-could-make-it-happen-with-some-catch/

The new iPhone 13 lineup doesn’t offer too many new features, but wireless carriers will again offer big discounts – up to free – for you to purchase service from them.

After a period of more moderate wireless promotions, mobile carriers introduced deep discounts last year and initial announcements Tuesday after Apple Inc.’s AAPL,
-0.96%
IPhone event shows the likes of AT&T Inc. T,
-0.69%,
Verizon Communications Inc. VZ,
-0.38%
and T-Mobile US Inc. TMUS,
-0.85%
will do it again this year. Wireless companies have spent a lot of money growing their 5G networks and want to strengthen their customer base as more people access 5G connectivity through Apple’s new iPhone 13 line.

Apple will likely benefit from significant carrier discounts, as mobile companies subsidize upgrades to a line of phones that don’t offer too many flashy new features, compared to last year’s models. Offers could be a mixed bag for carriers, helping them retain and attract customers, but at the expense of margins.

Read more: The return of subsidies is good for Apple and consumers, but not mobile operators

Typically, carrier promotions promise customers large bill credits with trade-ins for some older devices. Offers vary by carrier – and sometimes depending on whether or not you buy the phone directly through a mobile company or through Apple’s own channels – but could lead to virtually free iPhones.

AT&T has a deal for the iPhone 13 Pro and iPhone 13 Pro Max that will offer new and existing customers up to $ 1,000 off a new device with a trade-in, providing the opportunity for qualifying customers to get the ‘iPhone 13 Pro at $ 999 essentially free through bill credits. Another offer offers savings of up to $ 700 on an iPhone 13 mini or iPhone 13 if a customer trades in an older device, and the iPhone 13 mini starts at $ 699. Offers for the whole iPhone 13 family are listed on Apple’s website and mentioned on AT&T.

Apple’s website also lists a T-Mobile iPhone 13 deal that gives existing T-Mobile and Sprint customers $ 700 off an iPhone 13 series phone if they trade in an iPhone X and keep or upgrade. Magenta Max plan of the company. The rebate would consist of $ 500 in bill credits and a $ 200 Apple trade-in credit, according to a description on the site. Consumers are entitled to greater discounts if they trade in newer models.

The operator has also launched a program called Forever Upgrade, which will allow new and existing customers to trade in some older devices and receive a free iPhone 13 Pro, or up to $ 1,000 off iPhone series phones. 12 and 13, when they move or stay. on some plans and get the phone direct from T-Mobile. The “forever” part of the tagline refers to a deal whereby consumers “would lock in up to $ 800” in trade-in value for a new iPhone every two years thereafter.

Verizon will offer new and existing customers up to $ 800 off the iPhone 13 line with some trade-ins on some of its unlimited plans and provide up to $ 500 for the cost of switching carriers.

Existing customers who buy through Apple’s site can save up to $ 700 on the new phones in the line, according to Apple, which also offers its own subscription and trade-in programs.

Operators have been pushed towards subsidies and more competition for customers due to the price of the industry building 5G wireless networks and the resulting need to push more customers to more expensive unlimited plans. .

In depth: will 5G ever live up to the hype?

The Federal Communications Commission revealed in February that wireless companies had spent more than $ 80 billion on a crucial spectrum auction that would help them grow their 5G networks. Verizon has spent over $ 45 billion, while AT&T has spent over $ 23 billion. T-Mobile spent $ 9.3 billion but already had a significant amount of mid-band spectrum due to its successful deal for Sprint.

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In Epic vs. Apple Court Fight, a victory for application developers http://la-alborada.com/in-epic-vs-apple-court-fight-a-victory-for-application-developers/ http://la-alborada.com/in-epic-vs-apple-court-fight-a-victory-for-application-developers/#respond Fri, 10 Sep 2021 20:56:03 +0000 http://la-alborada.com/in-epic-vs-apple-court-fight-a-victory-for-application-developers/

Apple is generally expected to ask a judge to prevent the order from coming into effect. Either company could also appeal to the United States Court of Appeals for the Ninth Circuit. In that tribunal, a panel of three judges could review the decision, a process that could take a year or more. After a decision there, Apple or Epic could appeal to the Supreme Court.

The decision allows both sides to claim a partial victory. Apple now has a court ruling that says it does not have a monopoly in a significant digital market, undermining efforts by its opponents to claim it violates antitrust laws. But Epic’s lawsuit could also force Apple to open up its airtight iPhone software to create a way for developers to avoid its commission.

Apple shares fell nearly 3% on the Nasdaq stock exchange after the decision was announced.

“Today, the court confirmed what we have known from the start: the App Store does not violate antitrust law,” Apple said in a statement. “As the court recognized, ‘Success is not illegal.’ Apple faces stiff competition in every segment in which we operate, and we believe customers and developers choose us because our products and services are the best in the world. “

The decision upheld many principles of Apple’s App Store business, including the fact that it can ban third-party iPhone app marketplaces and continue to charge a 30% commission on many transactions. Epic had challenged these practices.

“It puts an economic question mark around the App Store, but at the same time, it affirms the principles,” of the company, said Adam Kovacevich, a former Google lobbyist who now heads a tech policy group in part sponsored by Apple. .

Tim Sweeney, CEO of Epic, said on twitter that he was not happy with the decision as it did not go far enough in allowing businesses to transact in-app with their own payment systems, instead of having to direct customers to external websites. He said Fortnite will not return to the App Store until such rules are in place.

“Today’s decision is not a victory for developers or for consumers,” he said. “We will continue to fight.”

Mr Rubin, the antitrust lawyer, said Apple would feel relieved to avoid being labeled a monopoly, but the judge’s verdict would likely not help strengthen its position in other investigations as the lawsuits antitrust may vary. He said Apple might also consider lowering its commission now that it will be easier for developers to send customers elsewhere to make purchases.


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Knoxville real estate market shows slight slowdown http://la-alborada.com/knoxville-real-estate-market-shows-slight-slowdown/ http://la-alborada.com/knoxville-real-estate-market-shows-slight-slowdown/#respond Tue, 07 Sep 2021 22:02:45 +0000 http://la-alborada.com/knoxville-real-estate-market-shows-slight-slowdown/

KNOXVILLE, Tennessee (WATE) – The Knoxville metropolitan area ranked 12th among largest metropolitan areas in the United States for net migration gains in the first half of 2021, according to National Association of Realtors analysis of data change of address from the US Postal Service. .

With that in mind, it’s no wonder the housing market in East Tennessee has been so hot. The big question, when will it cool down? The time to buy could be on the horizon.

“In fact you always see the prices going up and that’s something we had expected, it’s just that home sales have fallen below where they were in 2020,” explained Hancen Sale, director. Government Affairs and Policy of the Knoxville Area Association. real estate agents.

Sale said that even if prices remain high, buyers can expect homes to stay on the market longer and compete with fewer offers. “Earlier in the year we would see about 15 deals,” Sale said. “I think we’re down to three or four. “

He also said that while housing market trends may change, he doesn’t see the influx of people migrating to Tennessee slowing down anytime soon. “People saw that we are an affordable place to live, that there is no state income tax and that it is a beautiful area,” he said. “We continue to see people coming here from all over the country. “

LeConte Realty broker and owner Lane Shuler agreed. Shuler said this cool-down period was expected. “They put the search for a home on hold, they put it on the back burner,” Shuler began. “They focus more on getting the kids back to school. Nothing will ever be like spring. I don’t care what the market is.

Shuler also explained why more homes are being put back on the market than in the past. “People feel like they’re paying too much in the bidding process, they win the house, and then when they go to the inspection, they kind of feel like they need to. get everything they asked for because they felt they paid too much, ”he said. .

Shuler also said the biggest problem was not just the movement of people here, but also the lack of stocks and skilled workers. “A global and societal shortage of people working in the workforce and trades,” he said of the lack of people to build houses.

Shuler and Sale also agreed that the sooner Knoxville’s inventory problem is resolved, the better. “We need to diversify our building stock,” Sale said. “We need townhouses, we need triplexes, we need mid-size multi-family housing. “

“I think it’s a crisis and I think the sooner we deal with it as a crisis, the better prepared we will be for it in the future,” added Shuler.

Seasonally adjusted home sales in Knoxville area was down 0.8% from the previous month, falling below last year’s sales figures but still well above 2015-2019 figures. The typical house sold in July was 1,824 m². Ft with 3 bedrooms and 2 bathrooms.

Highlights:

  • Knoxville area door-to-door sale decreased in July – down 0.8% from June and 7.4% from a year ago
  • Median home sales the price was $ 285,000 in July – up 21.1% from a year ago
  • Total housing inventory has decreased slightly and remains down over 37% from a year ago and enough to last 1 month at the current pace of sales.
  • Half of the homes sold in July were under contract in 4 days or less.
  • 68% of homes sold for no more asking price with 30% sale for at least $ 10,000 more than requested and 11% sale for at least $ 25,000 more than requested.
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Big 12 expansion: League to meet to propose membership to BYU, Cincinnati, Houston and UCF http://la-alborada.com/big-12-expansion-league-to-meet-to-propose-membership-to-byu-cincinnati-houston-and-ucf/ http://la-alborada.com/big-12-expansion-league-to-meet-to-propose-membership-to-byu-cincinnati-houston-and-ucf/#respond Fri, 03 Sep 2021 22:56:00 +0000 http://la-alborada.com/big-12-expansion-league-to-meet-to-propose-membership-to-byu-cincinnati-houston-and-ucf/

Big 12 expansion plans are coming to fruition after Texas and Oklahoma’s sudden departures to the SEC this summer. The Big 12 are set to invite BYU, Cincinnati, Houston and UCF to join the conference in the near future if the league presidents vote in the affirmative at a meeting scheduled for next week, sources say Dennis Dodd from CBS Sports.

All four teams could join the Big 12 ahead of scheduled departures from Texas and Oklahoma in 2025.

The three programs currently members of the American (Cincinnati, Houston, UCF) must give the conference 27 months notice before their departure; they would each be required to pay an early termination fee of $ 10 million, although both terms are negotiable, according to AAC commissioner Mike Aresco.

BYU currently operates as an independent and could join the Big 12 without significant notice.

Texas and Oklahoma must give the Big 12 18 months’ notice if they plan to leave the conference before their rights-granting agreement expires in 2025. Two years of revenue distribution, approaching $ 80 million dollars per team, would also go to the Big 12.

The goal of the four-team expansion would be to return the league to its original 12-member roster, with the aforementioned four teams combining to fill some of the void created when the league’s two top programs (Texas and Oklahoma ) have abandoned the Big 12.

The Big 12 just wrapped up two days of meetings where conference decision makers focused on future membership.

“After two days of consultation with the athletic directors of the permanent members of the Big 12 conference,” Commissioner Bob Bowlsby said on Wednesday. “The Eight AD remain committed to making the Big 12 one of the nation’s premier sporting conferences and look forward to working with our Presidents and Chancellors to strengthen the league. Future exploration by the group will continue to focus on options that best position the long-term strength of the conference. ”

If BYU, Cincinnati, Houston and UCF accept offers for the Big 12, the conference could allow Texas and Oklahoma to leave before their contractual rights expire in 2025. That would only be possible if the Big Eight Schools 12 remaining were fully funded. of the current media rights agreement ($ 37 million per school).

For the four schools invited to the Big 12, this decision would be a giant leap in terms of income. American schools currently generate an average of $ 7 million in media rights revenue per year. The 12 large schools currently average $ 37 million per year.

Industry sources tell CBS Sports that the Big 12 lost at least 40% of its value with the departure of Texas and Oklahoma. However, the reconfigured Big 12 with four additions could earn $ 20-25 million per season, softening the financial blow.

“These are the four that will allow us to enter favorably into this future negotiation,” said a source within the Big 12. “What we are trying to do will give us the best opportunity to maintain our CFP status and our Power Five status. . ”

Bowlsby told CBS Sports last week that he didn’t think the Big 12 was in danger of losing its authority.

“I have no particular reason to be worried,” Bowlsby said.

“Power Five” is a brand label that defines not only a football program, but an entire university. This can affect a school’s ability to win research grants, hire staff and faculty, and even impact enrollment.

One Big 12 source defined continued Power Five status this way: Equal College Football Playoff shares with other conferences (SEC, Big Ten, ACC, Pac-12) and a spot on the CFP selection committee.

Under the current CFP contract, the Power Five Leagues each receive $ 66 million for their mere participation in the process. The group of five remaining leagues shared $ 90 million. The Power Five conferences each have a representative on the 13-person committee. The Group of Five conferences (American, USA Conference, MAC, Mountain West, Sun Belt) have two combined representatives.

Aresco practically confirmed the Big 12’s interest in three of his league’s teams, although he covered himself on Friday: “I think you’d say they are apparently looking to the American. We don’t know what is happening. is going to happen next week. “

Athletic’s Max Olson first flagged the four programs targeted by the Big 12, while Action Network’s Brett McMurphy first reported such a move could happen this month.

What does this mean for the Big 12? Here are some potential benefits as he decides on his future membership.

Create a presence in key television markets

Adding the aforementioned four teams wouldn’t fill all the void left by Texas and Oklahoma. However, the addition of UCF would give the Big 12 a presence in Orlando’s main television market. Cincinnati, meanwhile, would bring a bigger Midwestern imprint to West Virginia. BYU would add to the Salt Lake City, Utah market and an international fan base. Houston, of course, would help the Big 12 maintain a strong presence in Texas, even if the most important Lone Star State team leaves and the second most important (Texas A&M) left in the final round of realignment.

Television markets may not be the driving force this realignment cycle, but big cities with passionate fan bases make a difference when it comes to deciding which teams to add. This will give the Big 12 a nice portfolio to sell to potential distributors – both traditional streaming and over-the-top.

Maintain a high level of competition

All four of the Big 12 programs have achieved significant success as members of the Group of Five over the past decade. None of them have matched Oklahoma’s level in college football playoff appearances, but they’ve been just as competitive as the Longhorns, if not more.

BYU and Cincinnati are having great seasons of all time. The Cougars finished 11-1 with a No.11 final in 2020 and produced No.2 pick in the NFL Draft, quarterback Zach Wilson. The Bearcats enjoyed an undefeated AAC championship run and narrowly fell to Georgia in the Peach Bowl. Coach Luke Fickell is considered one of the best coaches in the country and will almost certainly be a prime target for the Power Five schools once the silly training season begins.

UCF has also enjoyed success as a college football juggernaut. The Knights enjoyed three straight double-digit winning seasons from 2017-19, going undefeated in 2017 and winning 12 straight games in 2018. Prior to that, Houston was the AAC class, with 13-1 and beating Florida State in the Peach Bowl during the 2015-16 season.

This high level of play is important if and when the 12-team playoffs emerge. The current deal, after all, calls for the top six champions in the conference to receive an automatic offer.

Building on the benefits of recruiting

If the Big 12 is going to expand, it might as well help the conference as a whole when it comes to recruiting. Moving to cities like Houston, Orlando, Salt Lake City and Cincinnati would give every team in the conference a chance to play in front of a ton of high school players in talent-rich areas.

For example: Florida currently has 16 of the top 100 prospects in the class of 2022, according to the 247Sports Composite, while Ohio State has four and Utah has one. That’s 20 of the top 100 prospects in the new states that they would target in addition to the 15 already in the state of Texas.

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Local couple details home buying battle as housing market rages http://la-alborada.com/local-couple-details-home-buying-battle-as-housing-market-rages/ http://la-alborada.com/local-couple-details-home-buying-battle-as-housing-market-rages/#respond Wed, 01 Sep 2021 01:10:31 +0000 http://la-alborada.com/local-couple-details-home-buying-battle-as-housing-market-rages/

(WGHP) – The scorching housing market has seen median house prices skyrocket since the start of the COVID-19 pandemic, which is great for sellers. For buyers? Not really.

“There are so many people who are getting so many offers for homes like constantly, constantly, constantly,” said Joel Zaldivar, who started looking for his family’s home in an attempt to move from the Charlotte area to the Piedmont triad.

The market was so competitive that Joel and his wife, Fayla, started bidding without looking at the houses.

“The first property we bid for $ 20 to $ 25,000 above asking price, visibly. The second, on invisible sight, ”said Fayla.

The pair placed so many bids on houses that they couldn’t count them with one hand.

“It was crazy. “We were making offers on houses that we didn’t even want,” they added.

According to Kelly Marks, president of the North Carolina Realtors Association, it takes about six months of supply to have terms of buying and selling real estate.

Last month, he said, the country was working with about a quarter of that.

“It’s not a bubble,” Marks said. “It’s supply and demand.”

With such a depleted inventory, every time the Zaldivars made an offer, it was a battle.

“Before, you loved, you wanted to stay within your budget, ask for thousands of dollars off and all those stipulations. “You can’t do this now. ” You can not do that. Like at all, ”they said.

“I feel terrible for buyers because I hear from all over the state that you have people who are 0-3, 0-5, 0-8 with offers,” Marks said.

Marks says it all started about 10 years ago, not because of the pandemic.

“Real estate investment trusts that invest in office buildings, commercial properties, shopping centers, began to turn their attention in 2011 when residential real estate was relatively cheap,” he said.

Marks went on to explain that many trusts should hold residential real estate for about five years before selling it. Then the rent went up at such a high rate that they decided to hang on to the properties. Across the country, he said, the market is about 5.5 million homes below what is needed to meet demand, adding that the trusts own more than 7.4 million homes.

“And at this time, no additional inventory is posted,” Marks said.

Eventually, the Zaldivar prevailed, finding a home in Kernersville. However, the people they bought the house from were only able to move in mid-August.

“It’s crazy compared to, like before, you find a house, you bid on the house, they take it,” they said.

Yet the Zaldivar admit that they would not have been successful in their search without the financial help of their family.

“Between his mother and my mother, we walked into this house, I mean we were blessed in that regard,” Joel detailed.

This blessing, Joel says, widens the gap between people who can and cannot afford to buy.

“There is a certain class of people who are now going to be raised and there is a certain class of people who are now forced to be tenants,” he said.

Marks sees a way out. In the short term, he said, it starts with tax policies.

“If you could get REITs to bring the affordable housing category back to market, it could be immediate and it could be driven by tax policies,” he said.

In the long term, Marks sees a potential solution in national and local zoning and density policies.

“Remember, winning the war is more important than the battle,” he said of potential buyers. “Eventually, they’re going to have their home. “

As of last month, there were less than 220 single-family homes on the market in Greensboro, including pre-construction. According to Zillow, home values ​​in North Carolina have increased 17.4% in the past year.

“We had areas, pockets and neighborhoods that grew by over 20%,” Marks added.

Marks says the areas with the greatest demand in Guilford County are zip codes 27410, 27408 and 27455.

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Amazon Partners With Affirm To Offer Buy Now And Pay Later In The U.S. http://la-alborada.com/amazon-partners-with-affirm-to-offer-buy-now-and-pay-later-in-the-u-s/ http://la-alborada.com/amazon-partners-with-affirm-to-offer-buy-now-and-pay-later-in-the-u-s/#respond Sat, 28 Aug 2021 00:57:00 +0000 http://la-alborada.com/amazon-partners-with-affirm-to-offer-buy-now-and-pay-later-in-the-u-s/

Image from article titled You can now give Amazon more money in monthly installments

Photo: Denis Charlet / AFP (Getty Images)

Amazon wants you to buy, buy, buy, so it does Easier up to you to do that. The company has rolled out a buy-now and later-pay at checkout option for select customers in the United States and plans to expand access to this payment method in the coming months.

Amazon partners with Affirm payment network to allow customers to divide the total cost of purchases over $ 50 into monthly payments. In a press release issued on Friday, Affirm said “Approved” customers will see the full amount they agree to pay at checkout and no late or hidden fees will be charged. Affirm says CNBC that some of the purchases from Amazon that it funds will carry interest, while others will have an annual percentage rate of 0%.

This is Amazon’s first-ever buy-it-now option for the U.S. market, the outlet said. The company offers similar installment plans in other countries.

“By partnering with Amazon, we are bringing the transparency, predictability and affordability that Affirm offers today to the millions of people who buy from Amazon.com in the United States,” said Eric Morse, senior vice president of Affirm sales, in a press release. “Offering Affirm’s alternative to credit cards also gives consumers more payment choice and flexibility on Amazon. “

Affirm has facilitated more than 17 million purchases to date, according to its website. Its network includes more than 12,000 traders, like Peloton and Walmart.

If this sounds a bit familiar to you, it’s because buy-it-now and check-out online options are all the rage. In early August, Square announced its intention to buy Afterpay, an Australian installment payment platform, for $ 29 billion. PayPal offers its own “Pay in 4” option, which divides the payments into four interest-free payments. Apple is also reportedly looking to enter the game with a “Apple Pay Later” service. The list goes on.

I’m no stranger to buy now-pay-later options, although I haven’t used any of the headline-grabbing ones. I bought phones and computers this way. However, the rise of all of these payment options worries me. It’s easy to say you’ll pay later after you’ve done a bunch of shopping, but once the day to pay comes around, the full weight of these purchases becomes a reality. For some, the burden may be heavier than they imagined.

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