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Is Home Insurance Required When You Buy a House?

October 13, 2020

If you’re buying a home, one question you might wonder is this: Is home insurance required when you own a house?

In many cases, homeowners insurance is indeed mandatory—and even in cases where it isn’t absolutely necessary, it’s still a good idea. To help you understand why, we’ve put together this Home Buyer’s Guide to Home Insurance, which will help walk you through what you need to know from beginning to end.

In this first article, we’ll introduce you to what homeowners insurance is, why it’s often essential, and what can go wrong if you don’t have it.

What is homeowners insurance?

With home insurance, as with other types of coverage (including health insurance), you pay a relatively small amount of money either monthly or annually in exchange for the promise that your provider will help you pay for unexpected costs you might incur as a homeowner.

What can

This Interior Designer Turned Her Cookie-Cutter Town House Into a Personal Art Gallery

October 12, 2020

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“The biggest challenge was using what was already here but making it better,” says Tiffany (left). “This isn’t our forever home, so I had to be really smart about what I decided to spend money on and what just needed a small facelift. It’s way easier to bring your full vision to life without any restrictions, but the fun part is figuring it out with those limitations.”

When interior designer Tiffany Thompson bought this two-bedroom Portland, Oregon, town house in 2016, she was working at Nike and viewed its close proximity to the company’s headquarters as a major benefit. It also didn’t hurt that she had access to a community pool and tennis court, or that the drive toward her street was lined with towering trees. But the deciding factor, Tiffany remembers, is that it had a certain Pacific Northwest luxury. “What initially drew me to this place was the

Tax records show 200 entities funneled money to Trump properties while reaping benefits from White House: NYT

October 11, 2020

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A New York Times analysis of tax records showed that more than 200 companies, special-interest groups and foreign governments have funneled millions of dollars to President TrumpDonald John TrumpNorth Korea unveils large intercontinental ballistic missile at military parade Trump no longer considered a risk to transmit COVID-19, doctor says New ad from Trump campaign features Fauci MORE’s properties while reaping benefits from the president and his administration.

Nearly a nearly a quarter of the entities have not been previously reported.

Sixty patrons, who promoted specific interests to the Trump administration, spent almost $12 million on expenses associated with the Trump Organization during the first two years of Trump’s presidency. The Times reported nearly all of these customers saw their interests move forward.

In interviews with almost 250 business executives, club members, lobbyists, Trump property employees and current administration officials, sources detailed to Times how Trump conducted business and

Oakland land trust buys house where homeless moms evicted

October 10, 2020

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SAN FRANCISCO (AP) — Homeless moms who were evicted earlier this year from a vacant San Francisco Bay Area house they occupied say a community land trust has purchased the property and will turn it into transitional housing for other mothers experiencing homelessness.

Members of the activist group, Moms 4 Housing, announced Friday that the three-bedroom home in West Oakland was purchased by the Oakland Community Land Trust from a real estate investment company. The property requires extensive renovation for habitation, the group said.

The land trust purchased the property for $587,500 and closed in May, but the pandemic and planning for repairs delayed a public celebration . The land trust is a nonprofit organization that holds property for the benefit of low-income residents.

Steve King, executive director of the trust, says the house requires extensive repairs, including a new roof and windows. He said his group will work with

Aviation Contractors Axed Jobs as U.S. Delayed Aid, House Panel Finds | Investing News

October 10, 2020

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CHICAGO (Reuters) – U.S. aviation contractors laid off thousands of workers due to delays in payroll aid from the U.S. Treasury that was meant to protect jobs, an investigation by a U.S. House of Representatives subcommittee found.

Under the Coronavirus Aid, Relief and Economic Security Act (CARES Act), companies in the aviation sector were granted funds to cover six months of their payroll as the COVID-19 pandemic prompted a precipitous decline in air travel.

The legislation banned any job cuts through September, and requires the U.S. Department of the Treasury to begin distributing funds to eligible companies within 10 days of the law’s approval on March 27.

But an investigation by the House Select Subcommittee on the Coronavirus Crisis found that top contractors did not receive the money until months later, resulting in more than 16,500 layoffs and furloughs at 15 companies, more than 15% of the aviation contractor workforce.

White House Floats $1.8 Trillion Stimulus Offer in Last-Ditch Effort: Live Updates

October 9, 2020

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Speaker Nancy Pelosi said of talks with Republicans, “We want to continue the conversation.” — Credit…Pete Marovich for The New York Times

The White House, seeking to revive stimulus talks that President Trump called off just days ago, planned on Friday to put forward its largest offer for economic relief yet, as some Republicans worried about being blamed by voters for failing to deliver needed aid ahead of the election.

The new proposal, for Treasury Secretary Steven Mnuchin to present to congressional Democrats, would increase the White House’s plan for coronavirus stimulus to $1.8 trillion.

The president “would like to do a deal,” Larry Kudlow, director of the National Economic Council, said on the Fox Business Network on Friday, in the latest head-snapping turn in the on-again-off-again negotiations. The overall price tag of the offer was confirmed by two people familiar with the discussions,

Pennsylvania House Insurance Committee chairwoman reaps big harvest of campaign contributions from insurance industry

October 9, 2020

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State Rep. Tina Pickett, whose position in Harrisburg gives her enormous say-so over what happens to proposed insurance laws, has more cash in her political campaign account than any of her 201 colleagues in the House — thanks in large part to the insurance industry.

A review by The Morning Call of hundreds of campaign finance reports showed Pickett’s $268,546.49 cash balance in late May was inflated by a years-long influx of insurance industry cash that began when Pickett became chairwoman of the House Insurance Committee in 2013.

“The representative’s numbers are staggering,” said Douglas Heller, an insurance industry expert with the Consumer Federation of America, an association of nonprofit consumer organizations that carries out research and advocacy.

The newspaper’s review showed the balance in Pickett’s campaign account on May 18, the end date of the state reporting period just before the primary election, was tops among all House

Overnight Health Care: Regeneron asks for emergency authorization of coronavirus treatment Trump received | McConnell says he hasn’t visited White House in two months due to coronavirus

October 8, 2020

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Welcome to Thursday’s Overnight Health Care.

Donald Trump wearing a suit and tie: Overnight Health Care: Regeneron asks for emergency authorization of coronavirus treatment Trump received | McConnell says he hasn't visited White House in two months due to coronavirus | Employer-sponsored health insurance premiums rise 4 percent

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Overnight Health Care: Regeneron asks for emergency authorization of coronavirus treatment Trump received | McConnell says he hasn’t visited White House in two months due to coronavirus | Employer-sponsored health insurance premiums rise 4 percent

Regeneron filed for emergency authorization of its antibody COVID-19 treatment drug, just hours after President Trump claimed it basically cured him. Mitch McConnell hasn’t been to the White House in months, and a new analysis shows Americans’ job-based health care is continually getting more expensive.

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We’ll start with Regeneron:

Regeneron asks for emergency authorization of coronavirus treatment Trump received

Biotech company Regeneron late Wednesday applied for emergency authorization for an experimental antibody treatment praised by President Trump.

“Subsequent to our discussions with regulatory authorities, we have submitted a request to the U.S. Food and Drug Administration for an Emergency Use Authorization (EUA) for

White House Curbs on Chinese Payment Apps Pose Risk to Ant

October 8, 2020

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(Bloomberg) — The Trump administration’s potential restrictions on two Chinese payments giants would reverberate far beyond politics, potentially affecting multibillion-dollar deals, shaking up international commerce and even shaping the evolution of the global financial system.

a person sitting on display in a store: An advertisement for Tencent Holdings Ltd.'s WeChat Pay digital payment service is displayed outside a restaurant in Hong Kong, China, on Tuesday, Sept. 1, 2020. WeChat Pay and Ant Group's Alipay account for the majority of the mobile payments transactions in China.

© Bloomberg
An advertisement for Tencent Holdings Ltd.’s WeChat Pay digital payment service is displayed outside a restaurant in Hong Kong, China, on Tuesday, Sept. 1, 2020. WeChat Pay and Ant Group’s Alipay account for the majority of the mobile payments transactions in China.

U.S. officials have stepped up behind-the-scenes talks in recent weeks about possibly restricting the expansion of Ant Group’s Alipay and Tencent Holdings Ltd.’s WeChat Pay over concerns that the digital payment platforms threaten national security, Bloomberg reported on Wednesday.

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Read more: U.S. explores curbs on Ant Group, Tencent payment systems

If the administration proceeds, the most immediate hit would be to Ant Group’s plan for a stock listing in

UK house prices jump 7.3% as mortgage applications hit 12-year high

October 7, 2020

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Britain's housing boom continues despite the coronavirus pandemic. Photo: Toby Melville/Reuters — Britain’s housing boom continues despite the coronavirus pandemic. Photo: Toby Melville/Reuters

Property prices leapt 7.3% year-on-year last month as Britain’s housing market boom continues, with lender Halifax reporting mortgage applications at a 12-year high.

Figures from the bank show the average residential home sold for £249,870 ($322,877) in September, with the highest annual rise since 2016.

Russell Galley, managing director of Halifax, noted political uncertainty had weighed on prices last September, but said the market had still been “extremely strong” since the first national lockdown eased.

Prices were up 1.6% on the previous month in a third month in a row of gains. Growth has lost less steam than expected by analysts, who had predicted monthly growth of 0.6%.

It comes in spite of the resurgent coronavirus, tighter lockdown restrictions and the ongoing economic crisis, with some experts calling the property boom a “paradox.”

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