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You can use money that's been given to you as a gift, with some restrictions. For example, your lender may ask you to prove the money isn't a loan. Ask your lender for the minimum amount that must come from your own funds, as it depends on the type of loan. The gift giver may need to pay a gift tax if the amount of the... |
5. What's PMI? Do I have to pay it? |
Private mortgage insurance, or PMI, is sometimes required when the down payment is less than 20 percent of the home's sale price. Exceptions include VA loans and some other special mortgage options, like many of Navy Federal's mortgage products. PMI may be eliminated on some loans when equity reaches a certain percenta... |
6. What's my interest rate? |
The interest rate has a direct impact on your monthly payment—the higher the interest rate, the higher your payment. To compare lenders, ask for the annual percentage rate (APR) of the mortgage interest, which includes the lender's fees. It's a good idea to estimate your monthly payment to assess your options. |
7. How can I lower my interest rate? |
Your lender can help you determine how your down payment can help you secure a lower interest rate. In addition, discount points—essentially interest that's paid up front—can be used to lower your interest rate. One point is a fee equal to 1 percent of the loan amount (for example, on a $300,000 mortgage, one point wou... |
8. What are the closing costs? |
Some up-front costs may be due at closing, such as origination and discount fees, an appraisal, document preparation, title insurance, a home inspection and other fees. Ask your lender for a written "good faith estimate" of closing costs. |
9. Is my interest rate guaranteed? When does that happen? |
Interest rates can fluctuate between the time you submit your loan application and when you go to closing. To prevent your rate from changing, you can lock it in for a specified period of time, typically 30 days. Ask your lender if any fees apply. |
10. Will the monthly payment include taxes and homeowners insurance? |
For some loans, you may have the option of paying property taxes and insurance payments on your own or having it included in your payment. The latter option, called escrow, means the amount you owe for the year is divided into 12 parts and added to your payment each month. Your financial institution then makes these pa... |
Fort Sill_Presidents, senators, and military men....many have been Boy Scouts. So have millions of other men across the United States, including General Tommy Franks from Wynnewood, Oklahoma. So for Texoma's Black Beaver District, it was only fitting to have General Franks speak at the council's largest fundraiser of t... |
General Franks told 7NEWS just how pleased he was to come speak about boy scouts. People from across the state, some even farther, came to support the scouts and hear the inspiring words from Franks. For General Franks, coming to Lawton was more than just a speech, it was a trip down memory lane and a way for him to sp... |
General Franks spoke pro bono, when he's normally paid about 50-thousand dollars for a speech. With him as the headline speaker, Boy Scouts say they'll raise more than 30-thousand dollars. But they raised more than money. Scouts got a chance to see just how far being a scout can take you, through the eyes of a 4 Star G... |
Many scouts hope to follow in the General's footsteps. "That's a big honor for me, to meet him to shake his hand, to be in the same room with him," said Eagle Scout Ty Brandt. |
Kids like Ty are who Franks says it's all about. "At the end of the day, if it's not about the young people, what's it about? This is worthwhile and I am proud to associate with scouting," said General Franks. |
Wednesday's fundraiser will help Boy Scouts in Comanche, Caddo, Tillman and Cotton Counties. It's about 50 percent of their annual budget. The Black Beaver District representatives tell 7NEWS this district has the third-highest campaign fundraising goals of all Boy Scout districts in Western Oklahoma. |
World Superbike champion Jonathan Rea has been confirmed as the star guest for the Cornmarket Motorbike Awards in January. |
World Superbike champion Jonathan Rea has confirmed his appearance at the Cornmarket Motorcycle Awards in January. |
Rea will fly into Belfast during a break from pre-season testing in Spain to attend the gala event at the Crowne Plaza Hotel in Belfast, where he will be the overwhelming favourite to win the coveted Joey Dunlop trophy for the third consecutive year. |
The 30-year-old retained his title with a stunning victory in the wet at Magny-Cours in France, becoming the first rider ever in the history of the championship to secure the world crown in three successive seasons. |
Rea has drawn level with Australian rider Troy Bayliss on the all-time roll of honour with three championships to his credit. |
Only Blackburn’s Carl Fogarty, regarded as the greatest World Superbike exponent ever, has won more titles, clinching the championship a record four times. |
Rea will attend the star-studded bash in the New Year on Friday, January 26, when he is assured of a hero’s welcome. |
The Ballyclare man is a shoe-in to be crowned the Irish Motorcyclist of the Year once again on the back of another incredible chapter in his career. |
Only road racing legend Joey Dunlop has won the accolade three years in a row, with the five-time Formula One World Champion bestowed with the honour between 1983 and 1985. |
The awards organisers have teamed up with the Enkalon Motorcycle Club to present the top award, with Rea’s opposition including British Motocross MX1 champion Graeme Irwin and his brother Glenn, who won the feature Superbike race at the North West 200 in May before sealing his maiden British Superbike success at Silver... |
British Supersport frontrunner Andrew Irwin is also in the running along with champion-elect Keith Farmer, who is set to become a British champion for the third time this weekend at Brands Hatch. |
Adrian Coates, chairman of the awards judging panel, said: “Jonathan is one of the hottest properties in the sport at the moment and for him to fly home during testing for the new season shows just how committed he is to celebrating his success at home with his many fans. |
In all more than a dozen awards will be presented on the night. The black tie event will welcome some of the biggest names in the sport and details of how to vote will be announced soon. |
All details are also on Twitter using the handle @BikeAwards and the dedicated Facebook page Cornmarket Motorbike Awards. |
A trio of new travel company contract wins has delivered a £1.2 million boost to advertising agency M3. |
The firm has been appointed to support the expansion of Affordable Car Hire, Solos Holidays and Long Travel. |
This comes just two months after the agency appointed well-known travel expert John Donnelly, founder of Holiday Hypermarkets, as non-executive director. |
The first new win was for Affordable Car Hire, with the agency hired to transform branding to mark its 15th birthday and reflect diversification into motorhomes and motorbikes. |
The new star-shaped ‘A’ logo has five points reflecting the five products it sells and its five key pledges: affordability, trust, service, quality and flexibility. A new strapline – ‘Rentals Made Simple’ – has also been introduced. |
Solos Holidays moved its media planning business from Media Com, which will also include PPC, acquisition marketing and some tailored creative work. |
Tailor-made boutique holidays specialist Long Travel is looking to capitalise on a host of new destinations such as Finland, Iceland and Montenegro by enlisting M3 to implement a combination of online and offline marketing campaigns and SEO optimisation to boost traffic to the website and increase lead generation. |
Three ‘Brexit strategies’ have also been discussed and put in place to ensure the company is ready to meet the challenges and explore the opportunities of whatever outcome materialises. |
M3 managing director Nick Lovett said: “We’re starting to build a very strong relationship in the travel and leisure sector and that is based on our ability to get under the skin of the business and deliver results pretty much immediately. |
West Midlands-based M3, now a member of the Institute of Travel & Tourism, employs 35 staff. |
Five people were killed and around 50 others injured, when Jammu-bound Muri Express train from Rourkela derailed near Sirathu railway station, about 60 kilometers from Allahabad, in Uttar Pradesh’s Kaushambi district on Monday. |
Official sources, however, confirmed only two deaths. |
The injured, many of whom were from Jharkhand and Odisha and were travelling in the general compartment, were admitted to the Community Health Centres (CHC) and hospitals at Manjhanpur, Ismailpur and Allahabad, railway officials here said. |
Officials said the derailment occurred between Sirathu and Atsarai railway stations at around 12.20 pm. “As many as eight bogies of the train including four sleeper, three air-conditioned and one general coach was derailed,” they said. |
Officials confirmed only two deaths but the eye witnesses said that four bodies were taken out from the ill-fated train while a lady succumbed to her injuries in the hospital. |
The officials said that rescue teams had reached the spot and the relief and rescue work were being undertaken. Eye witnesses said that the locals were the first to reach the site and launch rescue operations. |
The derailment brought movement of trains on the busy Howrah-Delhi route between Allahabad and Kanpur to a complete halt with several long distance trains stranded at different stations, sources said. |
“Both up and down lines were affected owing to the derailment,” said an official here. |
Railways and Uttar Pradesh government announced an ex-gratia relief of Rs two lakh each to the kin of the deceased. |
Officials said that a probe had been ordered into the derailment and stern action will be taken in case laxity on the part of the railway staff was proved. Sources, however, also did not rule out sabotage. |
Sources said that the officials had recovered a jack (an equipment to raise the vehicles) from near the tracks near Sirathu railway station on Sunday. |
It is the second train derailment in UP this year. 38 people were killed and 150 others injured when Varanasi-bound Janata Express train had derailed near Bacharwan railway station on March 20 this year. |
Merriam-Webster announced Monday that “justice” was the top word of 2018, online searches for which skyrocketed 74 percent from 2017. |
Other top words serve as reminders of some the most memorable news stories and cultural trends of the past year. The dictionary website dubbed “nationalism” as the runner-up, claiming that searches for the word jumped over 8,000 percent in the days after it was featured in an October speech by President Donald Trump. |
Other top words included “pansexual,” perhaps because of singer Janelle Monáe‘s assumption of the label; “lodestar,” likely thanks to its much-analyzed use in the anonymous New York Times article allegedly written by a senior Trump administration official; and “feckless,” an adjective infamously used by comedian Samant... |
Most people are blissfully ignorant to the importance of light in art, not just in photography, but anything visual. Which, I assume, is one of the reasons why artist Raid 71 is calling his latest solo show Illuminate. The pop culture art show features works from films like Blade Runner, Tron, The City of Lost Children... |
Illuminate, the second solo exhibit by Raid 71, opens at 7 p.m. May 15 at the Bottleneck Gallery, 60 Broadway, Brooklyn NY. All unsold screen prints and original prints will go on sale at noon EST May 16 at www.bottleneckgallery.com. |
Here are a few of the pieces in the show. Mouse over east for the subject. |
Blade Runner aside, I love that Raid 71 decided to do so many different films for this show. It would have been so, so easy to focus on light in all the of the usual films: Star Wars, Jurassic Park, Pulp Fiction, Back to the Future etc. But The Fisher King? Mean Streets? Midnight Cowboy? These are great films that very... |
What do you think of the latest Raid 71 Bottleneck Gallery show? |
The Texas secretary of state’s office announced Friday it would send local election officials a list of 95,000 registered voters who the state says counties should consider checking to see whether they are U.S. citizens and, therefore, legally eligible to vote. |
In an advisory released Friday afternoon, the office said it was flagging individuals who had provided the Texas Department of Public Safety with some form of documentation — including a work visa or a green card — that showed they were not a citizen when they were obtaining a driver’s license or an ID card. Among the ... |
It’s unclear exactly how many of those individuals are not actually U.S. citizens and whether that number will be available in the future. In its notice to counties, the secretary of state’s office said the names should be considered “WEAK” matches, using all capital letters for emphasis. |
That means counties may now choose to investigate the eligibility of the individuals who were flagged, which would require them to send a notice asking for proof of citizenship within 30 days, or take no action. By law, the counties aren’t allowed to automatically revoke a voter’s registration without sending out such ... |
But without additional verification, you can’t say these individuals all engaged in illegal voting, said Chris Davis, the head of the Texas Association of Elections Administrators. |
The numbers were released just a few weeks into a legislative session during which lawmakers may take up proposals to require some form of citizenship verification before registering to vote. The U.S. Supreme Court in 2013 rejected states’ efforts to require proof of citizenship to register to vote. Other federal court... |
“Integrity and efficiency of elections in Texas require accuracy of our state’s voter rolls, and my office is committed to using all available tools under the law to maintain an accurate list of registered voters,” Whitley said in a statement. |
“The secretary’s actions threaten to result in tens of thousands of eligible voters being removed from the roles, including those with the least resources to comply with the demand to show papers,” Stevens said. |
In a state where about 15.8 million Texans are registered to vote, the AG’s office has recently pursued a small number of convictions of illegal voting by non-citizens. Past reviews of the voter rolls by other states ultimately found that only a small number of the thousands of non-citizens they initially flagged had a... |
This article originally appeared in The Texas Tribune at https://www.texastribune.org/2019/01/25/texas-flags-tens-thousands-voters-citizenship-check/. The Texas Tribune is a nonprofit, nonpartisan media organization that informs Texans — and engages with them — about public policy, politics, government and statewide is... |
There are plenty of ways to get annoyed on a flight, but having the back of your seat incessantly kicked really takes the cake. |
Since the guilty party is usually a child, your options are limited when it comes to handling the problem. React too harshly and you'll have angry parents on your hands, but if you're too nice or choose to ignore it, it's probably not going stop. |
In a discussion on online forum Quora, frequent flyers shared their tips for coping with this annoyance, after one user asked: "Have you ever had a kid behind you on an airplane kicking the seat the entire flight?" |
"Occasionally the kid would miss the seat and his shoe would go between my seat and the other seat next to me. And about half those times it would get stuck for a second." |
One commenter, Bill Jones, came up with a novel way to trap a kicker in the act. |
"I got a bit annoyed, and hatched a plan, thinking it probably would not work. But it did," he wrote. |
"I put my upper right arm between the seat back edge and the plastic fuselage liner to check the fit. Just right. |
"Next kick I shoved my arm back. It worked way beyond expectation the first time. The seat moved just a little, enough to grab his shoe." |
"He was stuck for maybe five to 10 seconds. Long enough for mom to catch on to what he was doing." |
When Kev Partridge found himself in the same situation, he took things a little further with a cup of water. |
"The kid in the seat behind thought the touchscreen at the back of my headrest was a punch-screen, which wasn't the most pleasant of experiences, especially on a flight from Asia to Europe," he wrote. |
"I got a small cup of water, with not too much content at all, awaited a good knock on my seat and then threw the contents of my cup upwards and backwards, before I leaned over and said 'Ohh, I'm sorry, I'm just so easily startled when I fly'. |
"Needless to say the slightly wet kid didn't bother me again." |
Another passenger, Carmen Blakestad, told of how her husband took the "angry" approach on a flight – but found it worked. |
"This little a-hole of a kid was sitting behind my husband, just pounding the hell out of his seat. Now, my husband is 6′4″, so he's already uncomfortable, and then this happens?! |
"What p****d him off the most was that the kid's mom was sitting right there the whole time, knew full well what her brat was doing and did nothing to stop it! |
"Anyway, mom gets up to use the bathroom and my husband saw his chance. |
"The kid froze mid-kick, turned white as a ghost and sat quietly for the rest of the flight!" |
However, we probably wouldn't recommend that tactic. |
Other passengers also tried similarly harsh tactics to deal with annoying seat-kickers. |
Shaun Clark said he told one young passenger, "'If you don't stop kicking the back of my seat I will hit your father" – and needless to say, he stopped. |
Michael Hawkins added, "The kicking began early in the trip, and it was apparent the child was bored to death. |
"We both had aisle seats, so I got up and whispered in her ear, "If you kick my seat again I am going to have the pilot throw you out the door!" The remainder of the flight was kick-free." |
Dariusz Scharsig preferred a gentler approach – preparing a speech to give to both child and parent. |
"Usually, their parents get super embarrassed and the kid stops right there and then. No hard feelings." |
Others, like Brad Chisholm, chose to avoid confrontation altogether. |
"I paid the guy behind me $50 to trade seats with me," he wrote. |
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