Millennial Homeowners: Living With Regret

first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago  Print This Post Millennial Homeowners: Living With Regret in Daily Dose, Featured, News Subscribe The Best Markets For Residential Property Investors 2 days ago Tagged with: Bankrate buyers remorse Down Payment Home Homebuyers Homeowners House HOUSING Maintenance Millennials mortgage Bankrate buyers remorse Down Payment Home Homebuyers Homeowners House HOUSING Maintenance Millennials mortgage 2019-02-28 Radhika Ojha February 28, 2019 13,412 Views Sign up for DS News Daily Data Provider Black Knight to Acquire Top of Mind 2 days ago Related Articles Demand Propels Home Prices Upward 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago Radhika Ojha is an independent writer and copy-editor, and a reporter for DS News. She is a graduate of the University of Pune, India, where she received her B.A. in Commerce with a concentration in Accounting and Marketing and an M.A. in Mass Communication. Upon completion of her masters degree, Ojha worked at a national English daily publication in India (The Indian Express) where she was a staff writer in the cultural and arts features section. Ojha, also worked as Principal Correspondent at HT Media Ltd and at Honeywell as an executive in corporate communications. She and her husband currently reside in Houston, Texas. Home / Daily Dose / Millennial Homeowners: Living With Regret Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago Share Save Servicers Navigate the Post-Pandemic World 2 days ago Previous: Will Entry-Level Homes Catch a Cold This Spring? Next: A Turning Point for Home Price Growth? The Week Ahead: Nearing the Forbearance Exit 2 days ago About Author: Radhika Ojha First, it took them more time to buy a home and now that they have a place to call their own, do millennials suffer from homebuyers’ remorse? According to a Bankrate.com survey, nearly two-thirds of millennial homeowners have regrets about their home purchase—and most of it stems from difficulties with maintaining the home they bought.Millennials also form the largest share of any generation who regret their home purchase. The survey which was carried out between January 30 and February 1, covered 2,668 adults across age-groups.When looked across age-groups though, the survey found that overall 44 percent of homeowners had regrets about their home purchase while 56 percent were happy with their home. The most common factor that caused homeowners to regret their purchase was unexpected maintenance or hidden costs. While 18 percent of all respondents cited this as their key factors, a quarter of these respondents were millennial homeowners.“Repairs and maintenance costs are something all homeowners face.  Consumers should expect to set aside 1 percent of their home’s purchase price each year to keep in a savings account to cover these expenses,” said Deborah Kearns, Analyst at Bankrate.com. “Budgeting early on can prevent dipping into emergency savings or going into debt to handle these added expenses.”Some of the other factors that made homeowners suffer from buyers remorse included, buying a house that was too small (12 percent), buying a house that was in a bad area (8 percent); making a poor investment (7 percent); having a high monthly mortgage payment (7 percent); not getting the best mortgage rate (6 percent); and buying a house that was too big (6 percent).The survey also revealed that 79 percent of Americans believed that owning a home was “a hallmark of achieving the American dream.” However, income proved to be the biggest hindrance to achieving their goal of homeownership with 51 percent of survey respondents who didn’t own a home citing this as the key reason for not having their own home yet. Forty-one percent of respondents who don’t own a home also said that they didn’t buy because they couldn’t afford a down payment and closing costs related to buying a home.Click here to read the full report. Governmental Measures Target Expanded Access to Affordable Housing 2 days agolast_img read more

COVID-19 Cases Stay Steady, Hospitalization’s Decrease In County

first_imgJAMESTOWN – The number of COVID-19 hospitalization’s in Chautauqua County decreased on Wednesday.The Chautauqua County Health Department says hospitalizations have decreased from two to one.There was no change in COVID-19 metrics from the day before, with 21 active cases that continue to recover, 77 cases total and 52 recovered cases.Since the outbreak began, 52 people have recovered from COVID-19 and four deaths have been reported in Chautauqua County. Share:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to email this to a friend (Opens in new window)last_img

New sexual battery offenses reported near USC campus

first_imgFour new sexual battery offenses were reported to the USC Dept. of Public Safety this past week that are in line with a string of attacks that have occurred since late February in the immediate USC area.  In all instances, female victims were approached by a male or group of males and slapped on the buttocks.Three of the attacks are congruent with the Los Angeles Police Department’s main suspect: a lone male who approaches girls from behind — often while jogging — and slaps the victims’ buttocks.The first of the most recently reported incidents occurred at approximately 9:30 p.m. on Thursday night at the intersection of 29th Street and Vermont Avenue. The victim was jogging when a male suspect, also jogging, ran past her and turned around. He then slapped her buttocks, smiled and ran away.The second offense happened less than an hour later near the Pi Kappa Alpha fraternity house on West 28th Street. Two friends stopped to take a photo when one of the friends said she was slapped on the buttocks and saw two males flee afterward.The next two offenses occurred a few hours later, just after midnight on Friday morning.At 12:10 a.m., a victim was waiting for the traffic signal to turn green at the corner of 28th Street and Figueroa Street. She said a male suspect grabbed her buttocks, then quickly walked away.The most recent attack was just 25 minutes later, near the Galen Center on the 3400 Block of Figueroa Street. The victim was approached by a male suspect, who slapped her buttocks and then kept running.DPS Deputy Chief David Carlisle said there has been progress in the case over the last week. The two departments have been able to jointly identify a person of interest.“LAPD has developed some leads, and there was a person of interest identified and they are [now] pursuing it closer,” he said.LAPD released two sketches earlier this month regarding a key male suspect. He is described to be either Hispanic or East Asian, between 16 and 21 years old with black short hair in a “spiked” style. He is around 5-feet 8-inches tall and weighs between 140-160 pounds.“We think the majority [of the crimes] are committed by one person,” Carlisle said.last_img read more

Finding pieces of Korea at home

first_imgI still remember it vividly — on April 30, 2013, I was in a panic. With college acceptance letters haphazardly strewn across my bedroom floor, I felt totally lost as to where to spend my next four years. Though my entire K-12 education had built up to this moment, making a choice about my future before the deadline looming the next day seemed entirely daunting.Endless pros and cons lists later, I decided on the University of Southern California over my other options. For me, the edge that USC carried was its numerous study abroad programs, spanning across more than 20 countries. It seemed like a culture was bred within the University in which students were highly encouraged to gain meaningful experiences overseas, outside a familiar classroom setting. Having never been anywhere except China, where I was born, and various parts of the United States on family road trips, USC seemed like the right choice to satiate my wanderlust dreams.After almost four years and countless “there’s always next year” vows, my biggest regret during college thus far is not studying abroad. When friends come back from all corners of the world after a semester abroad, I can’t help but consider how limited my horizons are. Their networks have now expanded across continents and oceans, while mine is limited to my college circle.Whenever people ask me where I would have gone had I studied abroad, I always answer South Korea without hesitation. Growing up in a predominantly white community, I was inundated with Hollywood movies and the Western ideal of beauty that they embody. With the advent of hallyu, or Korean Wave, it was especially powerful to see people that looked like me in the media.Having Koreatown only miles away makes me feel closer ties to those values, and I realize how lucky I am to have Los Angeles as my college town. Vibrant, diverse communities make up the entire city, and every outing is a chance to learn more about different cultures. Koreatown offers a snapshot of what it would have been like to spend some time in South Korea.During the fall semester of her sophomore year, a friend of mine studied abroad in Seoul, South Korea. Her parents immigrated from South Korea, but she was born in the United States.“Being Korean, I definitely felt more tied to my heritage by studying abroad in the country where my parents grew up,” she said. “I’m so proud that I’m Korean, and my time there added to that.”She took me around the neighborhood, highlighting her favorite places, some that reminded her of her time in Seoul, some that were unique to the area.We first went to Quarters, a restaurant serving tapas-style Korean barbecue. Since the inception of Koreatown in the 1960s, Korean barbecue has been closely associated with the area, and Quarters certainly serves some of the best that I’ve had. We got the beef belly, bulgogi (marinated beef), galbi (marinated short ribs), beef brisket and pork belly, which were served alongside complementary side dishes and rice.Our Korean barbecue excursion underscored the quintessential Korean dining experience. We prepared our food on the grill, round after round. We took our time and made sure we actually enjoyed our food. It was a much-needed change of pace that ran counter to my usual rhythm — most of the time in college, I eat on the go or in between commitments.We then stopped at Okrumong for dessert. The spot serves traditional shaved ice in flavors such as black sesame and red bean. According to my friend, if friends or family members came to Los Angeles from Korea, this would be the place she would take them for the authenticity of the menu items.The day ended with a trip to Touhmi, a Korean bar. Between soju drinks, we had standard Korean bar food, including the corn cheese and the Korean fried chicken. Popular K-pop songs filled the lounge, which was a great place for a large group of friends. Touhmi carried on the idea that food and drinks were central to conversation. A good time couldn’t be rushed.For my friend, Koreatown is filled with whispers of her time abroad. Commercial establishments where she frequented, such as Paris Baguette, a bakery, and Tom n Toms, a coffee shop, can be found in the area. Her favorite restaurants carry the same, Seoul-inspired flavors. But she concludes that when she misses Korea, she can’t simply go to Koreatown to shed her nostalgia.“If you can go to Korea, I definitely recommend it,” she said. “Koreatown is a great place in proximity to school, but my semester in Korea just can’t be substituted.”For me, though, Koreatown, a mere 10-minute drive from my apartment, offers a brief picture of what Korea would be like. It’s not by any means an accurate representation of what the country would be like, but for now, it’s my own.Danni Wang is a senior majoring in psychology. She is also the associate managing editor of the Daily Trojan. Her column. “Abroad at Home,” runs every other Monday.last_img read more

Human-Ape Gap Quadruples

first_imgRemember that old truism that humans and chimpanzees share 98.5% of their genes?  Try 94% instead.  That’s a new estimate by Matthew Hahn (Indiana U) and a team who published in a new online journal, PLoS One.1  J.R. Minkel, writing for Scientific American, said “The 6 percent difference is considerably larger than the commonly cited figure of 1.5 percent.”    Why such a drastic revision?  Hahn says the earlier estimate fails to take into account duplicated genes.  As Minkel explains it assuming evolution,The new finding supports the idea that evolution may have given humans new genes with new functions that don’t exist in chimps, something researchers had not recognized until recently.  The older value of 1.5 percent is a measure of the difference between equivalent genes in humans and chimps, like a difference in the spelling of the same word in two similar languages.  Based on that figure, experts proposed that humans and chimps have essentially the same genes, but differed in when and where the genes turn on and off.    The new research takes into account the possibility for multiple copies of genes and that the number of copies can differ between species, even though the gene itself is the same or nearly so.The stats: “The group estimated that humans have acquired 689 new gene duplicates and lost 86 since diverging from our common ancestor with chimps six million years ago.  Similarly, they reckoned that chimps have lost 729 gene copies that humans still have.”    Minkel and the authors of the paper did not look outside the box of evolution to explain these differences.  A geneticist was quoted as saying, “The paper supports the emerging view that change in gene copy number, via gene duplication or loss, is one of the key mechanisms driving mammalian evolution.”  Exactly how this produces new genes or complex systems was not explained.  Minkel also summarized what evolutionists believe in this line: “Researchers believe that additional copies of the same gene allow evolution to experiment, so to speak, finding new functions for old genes.”  That sentence, along with his earlier line “evolution may have given humans new genes with new functions” personifies evolution as an intelligent, or semi-intelligent, agent.    A press release about this new calculation appeared in EurekAlert entitled, “What it means to be human.”  The article did not describe this as a problem for evolution.  On the contrary, it said, “So the question biologists now face is not which measure is correct but rather which sets of differences have been more important in human evolution.”  The problem of statistics was briefly mentioned.  Although claiming that the 1.5% difference remains when comparing the genes base-per-base, the article admitted, “there isn’t a single, standard estimate of variation that incorporates all the ways humans, chimps and other animals can be genetically different from each other.”  Yet accounting for those differences in the time allowed, and understanding how genetic bit changes could have transformed screeches into sonnets, surely cannot be glossed over in answering the question of what it means to be human vs simian.1Demuth JP, Bie TD, Stajich JE, Cristianini N, Hahn MW (2006) The Evolution of Mammalian Gene Families.  PLoS ONE 1(1): e85. doi:10.1371/journal.pone.0000085.There you have it: another bad case of the statistics fallacy.  Genomes are extremely complex entities that are just barely understood.  Depending on what you choose to look at, you can find all kinds of similarities and differences and come up with agenda-driven numbers.  It seems clear that the earlier estimate was motivated by an evolutionary agenda to show how similar we were to the apes.  If this new estimate becomes widely accepted, evolutionists are going to have a terrible time explaining this many genetic changes in “only” six million years.  It’s too late for them to even try, though, now that neo-Darwinism has been falsified (see 12/14/2006 entry).    We really must help the Darwinian science reporters get over their bad habit of personifying evolution.  It’s so pre-ID.(Visited 18 times, 1 visits today)FacebookTwitterPinterestSave分享0last_img read more

How the Wikimedia Foundation is Using OpenStack to Build a Cloud Infrastructure

first_imgA Web Developer’s New Best Friend is the AI Wai… Why Tech Companies Need Simpler Terms of Servic… 8 Best WordPress Hosting Solutions on the Market klint finley Ryan Lane, an operations engineer at the Wikimedia Foundation, wrote a blog post about how he is using OpenStack to build a cloud infrastructure for testing and development. OpenStack is the open-source initiative that provides an infrastructure for building cloud environments.Lane wants an infrastructure that does not require operations to manage user accounts, virtual machines, DNS entries or IP addresses. Lane also wants an environment in which developers can add additional infrastructure without operations support. Sound to good to be true? Lane seems to have it all worked out.Here’s what Lane has in place:OpenStack as the virtualization technologyPowerDNS with an LDAP backend for DNS entriesPuppet with an LDAP backend for puppet nodesMediaWiki as the virtual machine managerUsing MediaWiki as a virtual machine manager is pretty interesting. Lane has written an extension, OpenStackManager, specifically for this. He’s also written an LDAP Authentication extension which is being employed in this stack as well.Is this a picture of a cloud stack we will see in 2011? What do you think?center_img Top Reasons to Go With Managed WordPress Hosting Tags:#cloud#Virtualization Related Posts last_img read more

How to Keep Dropbox Employees’ Hands Off Your Data

first_imgYesterday Dropbox, the popular file storage Web application that enables users to easily sync a folder from their local computer with the the cloud, made a small change to its terms of service. Dropbox made it clear that it would decrypt and hand-over files if the U.S. government requested it.The issue is not so much that Dropbox is willing to hand over user data to the feds if requested – as RedMonk co-founder and analyst James Governor points out, the company doesn’t have much choice: “given I understand it runs on Amazon Web Services, which would give up the data if asked anyway.” The real issue, it seems, is that Dropbox has the ability to snoop on your encrypted files at all.Other Web-based backup services, such as JungleDisk (owned by Rackspace) and Mozy (owned by EMC and managed by VMware) give customers control over their encryption keys. That means that employees working on these services won’t be able to snoop on customers’ files, or turn it over to any government body.But as Governor points out, these services don’t do what Dropbox does. I use JungleDisk to backup my local files to the cloud. I use Dropbox to make it easy for me to access a smaller set of files on any device I happen to be using – my laptop, my Android phone or someone else’s computer.There’s still the option for users to encrypt their files themselves using a tool like Truecrypt before putting them in their Dropbox folders. You can learn how to do this here. But it seems this creates an opportunity for a competitor – like Box or Syncplicity – to offer and advertise simple encryption that the companies can’t access.For some background reading on why Dropbox has the ability to decrypt users’ files, see this article by Christopher Soghoian.For an enterprise look at the same issue – storing encrypted files in the cloud – see our article 5 Resources for Migrating to the Cloud Securely.Small businesses will want to take a look at our article How to Keep Company Data Safe on Employees’ Personal Devices.Update: Dropbox has issued the following statement in response:Every Dropbox employee understands that the most important value of the company is maintaining users’ trust. Employees are prohibited by company policy from accessing users’ files and there are technical access controls to prohibit unauthorized access by employees. As with almost every other online company, there are a limited number of employees who may access user data when legally required to do so, and to help troubleshoot users’ accounts with their consent.Let me know if you have any questions and thanks for considered Dropbox’s side of the story!I didn’t mean to imply that Dropbox employees were allowed to snoop through your files willy nilly. I never doubted whether Dropbox had explicit policies regarding who could access customers’ files, or that it only a very small number of people had the technical capability to do so. But having anyone able to decrypt your files and hand them over to anyone, legal order or not, is a problem here. Why Tech Companies Need Simpler Terms of Servic… A Web Developer’s New Best Friend is the AI Wai… 8 Best WordPress Hosting Solutions on the Market klint finleycenter_img Tags:#cloud#Cloud Providers Top Reasons to Go With Managed WordPress Hosting Related Posts last_img read more

Willing to go 50:50 with Congress in Assembly polls: Ambedkar

first_imgVanchit Bahujan Aghadi (VBA) leader Prakash Ambedkar has offered to fight the Assembly polls together with the Congress and said he was willing to share the seats 50:50. Mr Ambedkar said he had not yet received any calls from the Congress to discuss the possibility.The VBA, along with the All India Majlis-e-Ittehad-ul-Muslimeen (AIMIM), had contested all 48 seats in the State in the Lok Sabha elections earlier this year. While the coalition won the Aurangabad seat, it secured huge gains in others and polled nearly 40 lakh votes across the State. Key leaders, such as former chief minister Ashok Chavan and Swabhimani Shetkari Sanghatana leader Raju Shetti, blamed their loss on the votes polled by VBA candidate in their constituencies. Mr. Ambedkar said he had made a similar offer to the Congress before the Lok Sabha elections, but decided to contest all the seats after the offer was rejected. “We are preparing to contest all 288 seats. The Congress was not ready to form an alliance back then, they are not ready even today. We are willing to fight 144 seats, they can contest the other 144,” he said.He said the Congress only has suitable candidates for around 80 seats. “Even the last time (Lok Sabha) I had said that the Congress andNationalist Congress Party didn’t have candidates for half the seats they were contesting,” he said. Mr. Ambedkar said they were also in talks with the Aam Aadmi Party (AAP) and expected something fruitful to emerge, but said they had not yet heard from the AIMIM or Asaduddin Owaisi for seat-sharing talks.last_img read more

Volleyball’s loss is judo’s gain

first_imgREAD: Watanabe outclasses foes on her way to SEA Games gold“She doesn’t want me giving interviews during her matches,” said Irene. “She wants to keep it low key.”Irene was the opposite as she unabashedly gave pointers during the -63 kilogram final.“We can’t tell. There are many factors like the mat,” added Irene as the crowd counted for themselves to 20 seconds for the ippon win. ADVERTISEMENT Born in Cebu City and raised in a town near Mt. Fuji in Japan, Kiyomi is the third in a brood of five. Irene is married to Japanese Sinero Watanabe.The family transferred to Japan when Kiyomi was 10.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutout“This is the first time her father was watching, he also didn’t approve of her playing judo at first,” bared Irene.On Saturday evening, both parents were cheering for her at the sideline as she pinned down Orapin Senatham for the gold. She also beat the Thai for the gold two years ago. LOOK: Venues for 2019 SEA Games Bond grows stronger for tight-knit PH poomsae team SEA Games in Calabarzon safe, secure – Solcom chief PH billiards team upbeat about gold medal chances in SEA Games PLAY LIST 03:07PH billiards team upbeat about gold medal chances in SEA Games05:25PH boxing team determined to deliver gold medals for PH00:45Onyok Velasco see bright future for PH boxing in Olympics00:50Trending Articles01:35Panelo suggests discounted SEA Games tickets for students02:49World-class track facilities installed at NCC for SEA Games03:04Filipino athletes share their expectations for 2019 SEA Games02:25PH women’s volleyball team motivated to deliver in front of hometown crowd01:27Filipino athletes get grand send-off ahead of SEA Games LIST: Class, gov’t work suspensions during 30th SEA Games Brace for potentially devastating typhoon approaching PH – NDRRMC WATCH: Streetboys show off slick dance moves in Vhong Navarro’s wedding View commentscenter_img SEA Games: PH’s Alisson Perticheto tops ice skating short program Kiyomi Watanabe after winning the gold in judo in the 29th Southeast Asian Games in Kuala Lumpur, Malaysia. Marc Reyes/INQUIRERKUALA LUMPUR—If her mother had the choice, Kiyomi Watanabe should be spiking volleyballs instead of hurling opponents to the mat.But Irene Watanabe, who used to play volleyball, said her daughter would secretly train in judo in school. She ended up becoming MVP and things were never the same again.ADVERTISEMENT UPLB exempted from SEA Games class suspension LATEST STORIES Don’t miss out on the latest news and information. Catriona Gray spends Thanksgiving by preparing meals for people with illnesses Read Next MOST READlast_img read more

#KicksStalker: Jordan’s second shoe gets new life

first_imgRead Next Filipino athletes get grand send-off ahead of SEA Games PLAY LIST 01:27Filipino athletes get grand send-off ahead of SEA Games00:50Trending Articles00:59Sports venues to be ready in time for SEA Games01:37Protesters burn down Iran consulate in Najaf01:47Panelo casts doubts on Robredo’s drug war ‘discoveries’01:29Police teams find crossbows, bows in HK university01:35Panelo suggests discounted SEA Games tickets for students02:49Robredo: True leaders perform well despite having ‘uninspiring’ boss02:42PH underwater hockey team aims to make waves in SEA Games LATEST STORIES Nara upsets 2004 champion Kuznetsova at US Open Photo from Jordan Brand’s official FacebookMichael Jordan’s second signature shoe is set for a resurrection, and this isn’t a new colorway of the same exact design that released in 1986.The new Air Jordan XXXII took inspiration from the Air Jordan II, the shoe that started the legend of his Airness, with its Italian roots and subtle design.ADVERTISEMENT As per Nike.com, the Air Jordan XXXII will have a Flyknit upper with “high-tenacity yarn.”The sole will feature Zoom Air bags, a Flight Plate, and a herring bone construction underneath.FEATURED STORIESSPORTSWATCH: Drones light up sky in final leg of SEA Games torch runSPORTSSEA Games: Philippines picks up 1st win in men’s water poloSPORTSMalditas save PH from shutoutReigning NBA MVP Russell Westbrook will be the poster boy of the new design as the Oklahoma City point guard featured in the promo shots wearing the “Bred” colorway.The “Bred,” however won’t be the first colorway to be released as the distinction belongs to the “Rosso Corso,” which will be available on Sept. 23. MOST READ Catriona Gray spends Thanksgiving by preparing meals for people with illnesses View comments SEA Games in Calabarzon safe, secure – Solcom chiefcenter_img LOOK: Venues for 2019 SEA Games Kammuri turning to super typhoon less likely but possible — Pagasa Typhoon Kammuri accelerates, gains strength en route to PH The Bred, meanwhile, will come out on Oct. 18 together with the low-top version.No word yet on the Philippine price, but SoleCollector.com reports the regular mid-top versions will cost $185 while the low-tops will be at $160. WATCH: Streetboys show off slick dance moves in Vhong Navarro’s wedding UPLB exempted from SEA Games class suspension Brace for potentially devastating typhoon approaching PH – NDRRMC Don’t miss out on the latest news and information. last_img read more