The average 15-year fixed mortgage rate nationwide is 4.87% and the 15-year jumbo mortgage rate is 4.82%, as of May 18, 2022. These rates are not the teaser rates you may see advertised but, based on our methodology, should more accurately represent what customers can expect to get depending on their qualifications. You can learn more about what makes our rates different in the Methodology section of this page. Just because it’s common for homeowners to take out a 30-year mortgage doesn’t mean you need to. Borrowers who score the best 15-year mortgage rates will be able to save tens of thousands of dollars in interest over the lifetime of the loans. While it does come with a higher monthly payment, those who plan properly will be able to take advantage of lower interest rates and will build home equity much faster. Even so, you’ll want to make sure your financial situation is rock-solid enough to afford the large payments. To help you with your decision, we’ve compiled a list … [Read more...] about Best 15-Year Mortgage Rates for 2022
Real jobs for 15 year olds
INQUIRER.net Stock Photo A great-grandmother has just proven once again that people can overcome challenges – such as age – when they set their sights on their goals and get the proper support. At 78 years old, Vivian Cunningham was able to earn her undergraduate degree in liberal studies at Samford University in Alabama, USA, as per NBC’s Today on May 12. “If I could have done cartwheels across the stage, I would have,” Cunningham was quoted as saying. Cunningham, who stressed that she “really [loves] learning,” graduated while being a mother of two, a grandmother of three and a great-grandmother of three. She spent six years at the university to earn her diploma, according to the report. Before earning the said undergraduate degree, however, Cunningham had already gotten an associate degree in paralegal studies after she retired back in 1992. Cunningham worked as a custodian for 29 years and then as the head of the mailroom for the Alabama Power Company before retiring. … [Read more...] about 78-year-old great-grandmother earns undergraduate degree
One potential risk factor is that things can turn adverse if we see a rapid increase in interest rates. (Representational image: Umit Yildirim via Unsplash) Everyone knows the superstars of Mumbai real estate. One of my constant endeavours, however, has been to discover the hidden gems or rising stars of Mumbai real estate. They are not easy to find. For starters, most of these developers operate conservatively on a limited scale. They primarily operate in a narrow micro-market. Their marketing spends are minimal. The marketing content they create and highlight is often not disruptive enough to get noticed. Most of them do not do products that dazzle. My own experience of visiting projects by this category of developers has been largely uninspiring. Last week I had the opportunity to interact with a variety of developers at a conclave organized by the Brihanmumbai Developers Association. The association comprises small and mid-size developers primarily focused on the western … [Read more...] about Mumbai real estate: Is it the return of the Underdog Builder?
It's become an obsession for many. Filters and retouching apps have such an all-encompassing presence on social networks that we don't know what stars, influencers, and virtual friends actually look like. Slim down figures, give the rear end a lift, erase cellulite, wrinkles, acne, and stretch marks, and even more, to attain a fantasy beauty ideal, which is not exactly in line with the body positivity movement that advocates self-acceptance. In 2019, Chinese influencer "Your Highness Qiao Biluo" became the laughing stock of the web as the filter she used for her videos was disabled on the social network Douyu. The web celebrity, who pretended to be a young woman in her 20s, was found out to be a woman of 58 years old – which in itself isn't a problem – and her physique was completely unlike that of her fresh-faced, glamorous virtual twin. Filters and photo editing apps, which continue to proliferate like wildfire, have the ability to completely transform a person, from head to … [Read more...] about Would you be recognisable in real life based on your glamorous beauty snaps?
A super slide for stocks, bonds, and cryptocurrencies rolled all the way into last week, right up until Friday, when the Nasdaq posted its strongest one-day gain since November of 2020. Despite Friday's gains, the major averages posted losses for the week, with the Dow closing down more than 2% and posting its first seven-week losing streak since 2001. The S&P 500 fell 2.5% and hit its longest weekly losing streak since 2011, while the Nasdaq fell 2.8%. It's been a rough, rough year across capital markets. A full $35 trillion in global market value has been erased since the beginning of the year. That's 14% of all global wealth, including a trillion dollars of losses in cryptocurrencies. To put those losses in perspective, 2008 saw a 19% decline in global market value, and that doesn't include non-financial assets such as housing. Still, perspective is everything, especially for investors who have been invested in the U.S. stock market for at least five years. Believe it or not, … [Read more...] about Keeping it Real with Real Vision’s Raoul Pal
Mumtaz Bibi met her brothers after 75 years at Kartarpur. (Image credit: Punjabi Sanjh TV/YouTube) Seventy-five years after she was separated from her family during violence at the time of Partition, a woman born in a Sikh family who was adopted and raised by a Muslim couple met her brothers from India at Kartarpur in Pakistan's Punjab province, according to a media report on Wednesday. At the time of Partition, Mumtaz Bibi, who was born in a Sikh family, was an infant who was lying on the body of her mother killed by a mob, the Dawn newspaper reported. A couple named Muhammad Iqbal and Allah Rakhi adopted the baby girl and raised her as their own daughter, naming her Mumtaz Bibi. After partition , Iqbal settled at Varika Tian village in Sheikhupura district of Pakistan's Punjab province. Iqbal and his wife did not tell Mumtaz that she was not their daughter. Two years ago, Iqbal's health condition suddenly turned bad and he told Mumtaz that she was not his real daughter … [Read more...] about Separated during partition, woman reunites with brothers in Kartarpur after 75 years
This article first appeared in The Edge Malaysia Weekly, on May 9, 2022 - May 15, 2022. - A + A DATUK Ahmad Nazim Abdul Rahman, who joined Lembaga Tabung Angkatan Tentera (LTAT) last June, is its third CEO in two years. With his experience as CEO of Pelaburan Mara Bhd, he seems comfortable discussing investment and asset allocation strategies. But given the short stints of his predecessors, the question remains whether he will stay on long enough at the retirement fund to carry out the reforms that have been put in place. Following are excerpts of The Edge’s interview with Nazim. The Edge: LTAT’s main task is to give good dividends to its members. Since 2018, that has come down quite a bit. Are we going to go back and see the good days of 12% to 15%? Datuk Ahmad Nazim Abdul Rahman : It would not be sustainable to go back to that teen-per cent dividend returns. I’m happy to mention we recently announced a dividend of 4.1%, and that is the highest … [Read more...] about Cover Story: Rehabilitating a RM10 billion portfolio
The lifespan of companies is shrinking – to 18 years now from 90 years in 1935, says Shiv Shivakumar, group executive president, corporate strategy, at the Aditya Birla Group. In an interview with Moneycontrol , he said in the future, some legacy companies and those that have been around for 10-15 years will likely be bought over or close down. Shivakumar, who recently wrote a book on career and management titled The Art of Management, said employee loyalty no longer exists and the contract between a company and an employee is now very short. The only thing that’s permanent is learning and the ability to look ahead. Managers must communicate at all times, advises Shivakumar, who was formerly chairperson of PepsiCo Holdings in India and CEO of emerging markets at Nokia. The young workforce will not respect age – they will respect relevance and impact, he said in the emailed interview. Edited excerpts: You’ve said in your new book that careers have changed … [Read more...] about MC Interview | Employee loyalty doesn’t exist, the contract between a company and employee is now very short: Shiv Shivakumar
Like most new moms, 26-year-old Veronica Gutierrez's life revolves around feeding her three-month-old daughter, Alessandra. For the first month, that meant mostly formula. But that formula was hard to find. She drove from store to store, so shaken by the empty shelves she began pumping her breast milk around the clock, in hopes she could draw out enough to feed Alessandra full time. "I had just gotten home from the hospital and I was in so much pain - even just having to jump in the car trying to find the formula, I was almost in tears," Gutierrez said. "There was that uncertainty whether I was actually going to find the formula," she said. "That's why I was working every day latching her on, even if she got just a little bit, because I knew, if I didn't, I would lose my milk supply." All night, Alessandra nurses. All day, Gutierrez pumps. Still, she considers herself lucky. Unlike millions of American parents, she's no longer worried where her baby's next meal will come from. … [Read more...] about As baby formula shortage worsens, families take desperate steps
This article first appeared in The Edge Malaysia Weekly, on May 9, 2022 - May 15, 2022. - A + A BECAUSE military spending has always been shrouded in secrecy, companies involved in the industry are used as conduits to channel kickbacks that go undetected. It is no different with Lembaga Tabung Angkatan Tentera (LTAT) and its subsidiary Boustead Holdings Bhd (BHB), two companies that are major beneficiaries of Malaysia’s defence spending. The defence business is carried out via Boustead Heavy Industries Corporation Bhd (BHIC), in which BHB has a 65% stake. LTAT directly owns 8.16% of BHIC. In the last 15 years, more often than not, the Boustead Group and LTAT were in the limelight for facilitating deals seen largely as not “commercially driven”. From procurement of submarines to land and traffic surveillance systems, LTAT and BHB have been used as vehicles to buy assets at inflated prices. Mainly, the assets are linked to connected individuals. One … [Read more...] about Cover Story: A litany of controversial deals