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What is Mortgage Insurance and How Does it Work?

September 30, 2020

Meghan Webber, Greater Lansing Association of REALTORS®
Published 1:04 p.m. ET Sept. 30, 2020

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Some buyers are able to make a significant down payment on a home, but for the majority, hitting that targeted 20 percent isn’t realistic. Fortunately, mortgage insurance makes it possible for those who can’t afford the “standard” down payment to still fulfill their homeownership dreams.

Here’s a little more about what it is, how it works, and when it’s required.

What is mortgage insurance?

When you think of insurance regarding a home, homeowners insurance likely comes to mind. However, homeowners insurance and mortgage insurance are quite different.

Homeowners insurance provides financial protection for your home and personal belongings from damage or theft. While it isn’t legally required, mortgage lenders typically

CNN host jousts with Trump campaign official after invoking work in Obama administration

September 29, 2020

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CNN’s Jim Sciutto got into a testy exchange with Tim Murtaugh, the Trump campaign’s communications director, about his foreign policy work during the Obama administration.

Jim Sciutto wearing a suit and tie

© Provided by Washington Examiner

The clash Tuesday began when Sciutto, who is the chief national security correspondent for CNN, brought up the New York Times report about the president’s tax returns, after which Murtaugh repeated President Trump’s assertion that he will release his financial information after the audit of his taxes is completed.

“I’ll just take it as a nonanswer,” Sciutto asserted.

Murtaugh told Sciutto the refunds Trump received were made “possible under a law signed by your former boss Barack Obama that allows people to claim losses in previous years and carry them forward.”

A visibly bothered Sciutto then chided Murtaugh for invoking his work in the State Department during the Obama administration.

“Don’t go personal here, Tim Murtaugh,” Sciutto said. “Don’t

How Much Is Your Household Work Worth. An Indian Case Study.

September 29, 2020

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Around the world, women do more household work than men. Feminist economists have wondered how to quantify this work in monetary terms for a long time now.

In India, for every 36 minutes of unpaid care work a man does, a woman does more than six hours.

Now, when the country’s economy is contracting at an unprecedented rate, increasing female labour participation in the economy can boost growth. There are several hurdles to achieving this though.

Patriarchal social systems and unhelpful laws pull women’s employment figures down.

Harvesting In Kashmir As Parliament Passes Controversial Agriculture Bills — SRINAGAR, KASHMIR, INDIA – SEPTEMBER 28: A Kashmiri woman farmer carries sack of rice grains as she … [+] walks in a paddy field during harvesting season on September 28, 2020 in Srinagar, the summer capital of Indian administered Kashmir, India. (Photo by Yawar Nazir/Getty Images)

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In a 2018 working paper for the Centre for Sustainable Employment, researchers Bidisha Mondal, Jayati

Origami Risk Named in Business Insurance’s Annual Best Places to Work in Insurance

September 29, 2020

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CHICAGO–(BUSINESS WIRE)–Sep 29, 2020–

Origami Risk LLC today announced it has been named in the annual Best Places to Work in Insurance program, which recognizes employers for their outstanding performance in establishing workplaces where employees can thrive, enjoy their work and help their companies grow.

In earning this recognition from Business Insurance for the fifth consecutive year, Origami has now received more than two dozen such honors for workplace, innovation and service in recent years. The steady recognition reflects Origami’s strong commitment to hire and retain the insurance industry’s top talent, as well as to provide its colleagues with a collaborative culture and the support they need to deliver the highest level of service to its customers.

“At Origami, our focus on helping our clients succeed calls for recruiting and retaining the best people who are fully engaged and motivated by our distinctly collaborative and supportive culture,” said Nikki Facchini,

UMaine student remembered for work ethic, athletics, personal style

September 28, 2020

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Regan McCleary, a University of Maine student from Buxton who died Saturday evening, was a quiet, driven athlete and student who excelled in math and opened up around his close circle of friends, his family said.

McCleary, a 19-year-old sophomore, drowned in the Stillwater River in Orono on Saturday evening. A rescue effort with boats and a helicopter retrieved him from the river around 7 p.m., and an investigation by the Orono Police Department is ongoing.

Regan McCleary Photo courtesy of the McCleary family

His family remembered him as a quiet, highly motivated student and athlete whose playful side came out around his close friends.

“He had a good balance,” Kendra, his mother, said in an interview. “He was conscientious, but he also spent a lot of time with friends. The boys.”

In his first year, McCleary earned several academic awards from the University of Maine, including the Alton S.

One-Button Fintech? Where And How Embedded Finance Will Work

September 27, 2020

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Fintech is eating the world — Fintech is touching every type of industry

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One of the most transformative trends in fintech taking shape today is embedded finance.

It used to be that financial services was an industry unto its own – there was healthcare, education, commerce, metals & mining, etc… and of course financial services.

No longer.

Financial services is now an enabler that touches industries far and wide, which are incorporating financial products and services into their core offering. These features are often provided by a growing class of fintech and other enablers.

What is embedded finance? Embedded finance can take many forms. The simplest could mean enabling payments to create an entirely new type of category. In China, companies like Yizhibo or Kuaishou allow you to purchase merchandise you see in livestreams with a click of the button, with payment powered by fintechs like Ant Financial. In the U.S. Google
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Melbourne eases lockdown, schools, work resume

September 27, 2020

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A health worker takes a nasal swab sample to test for COVID-19 test in Ahmedabad, India, Saturday, Sept. 26, 2020. The nation of 1.3 billion people is expected to become the pandemic's worst-hit country within weeks, surpassing the United States. (AP Photo/Ajit Solanki)

© Provided by Associated Press
A health worker takes a nasal swab sample to test for COVID-19 test in Ahmedabad, India, Saturday, Sept. 26, 2020. The nation of 1.3 billion people is expected to become the pandemic’s worst-hit country within weeks, surpassing the United States. (AP Photo/Ajit Solanki)

CANBERRA, Australia (AP) — Australia’s second-largest city, Melbourne, has further eased lockdown restrictions imposed after a surge in coronavirus cases, allowing most children to return to school from next month and sending more than 125,000 people back to work.

Melbourne and surrounding parts of rural Victoria state were placed under strict “Level 4” lockdowns on Aug. 2, shuttering schools and non-essential businesses, imposing a nighttime curfew and prohibiting public gatherings.

The restrictions were scheduled to be eased Sunday if the rolling 14-day average of new infections was between 30 and 50 cases. With 12 new infections reported Saturday and 16 Sunday, the

Can a No-Money Down Rent to Own Work?

May 5, 2020

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Are you curious about rent to own, but don’t have any money to put down? Wondering if a no-money down rent to own option can work for you?

It is a very important question and good for you for doing some research on the topic. You will need to understand the challenges that will come as a result of a no-money down rent to own. Hopefully this article will heighten awareness around some of the questions you need to ask to protect yourself if you are pursuing a no-money down rent to own.

Simply put, a no-money down rent to own is one where you do not have to put any money down in order to get into the program.

What are the implications?

1. More risk to the investor so they will offset their risks by charging you higher monthly rents (maybe even higher than market rents). I have … Read More

Do Personal Alarms Work?

May 1, 2020

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If you read reviews of personal attack alarms, you will find that some people say that the alarms are not loud enough. The truth is that many people misunderstand what a personal alarm is designed to do. The primary purpose of these devices is not to attract attention, but to make the attacker stop what they are doing and run away.

How Loud Are Personal Alarms?

Most personal alarms are in the region of 110dB to 140dB. To put that in perspective, a power saw is 110dB at three feet away, and a jet engine is 140dB at 100 feet away. However, sound doesn’t travel too well through solid objects. That’s why shutting your windows will partially block at the sound of traffic in the street below. This simple fact applies to alarms as well. If you set one off, it won’t seem very loud if you are in the … Read More