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Down Payment Assistance allows homebuyers to choose either 2.5% or 5% of the home’s purchase price. Assistance can be applied towards down payments, closing costs or other pre-closing expenses. This assistance is forgiven after seven years. If you sell or refinance your home within seven years, you must repay all of the assistance provided.
Harris County Downpayment Assistance program (dap) guidelines: Until further notice, the amount of Harris County’s down payment assistance for new and pre-existing homes is up to $23,800.00. The maximum purchase price for a pre-existing home is $200 ,000.00. The maximum purchase price for a new home is $228 ,000.00.
Down Payment Assistance up to $7,500. (Homebuyer Education class required.) Available to first-time homebuyers (have not owned a home in the previous three years) statewide and repeat homebuyers in targeted areas. Household income limits apply and can vary.
Down Payment Assistance Programs; LHC’s Commitment. In keeping with its mission to ensure that every Louisiana resident is granted an opportunity to obtain safe, affordable, energy-efficient housing, the LHC offers several programs to assist homebuyers with a down payment on their new home.
Traditional Mortgage Down Payment A no down payment mortgage allows first-time home buyers and repeat home buyers to purchase property with no money required at closing except standard closing costs. Other options, including the.
MyHome provides a deferred-payment junior loan – up to 5% of the purchase price, or appraised value, whichever is less, to be used for their down payment and/or closing costs. This program must be combined with a CalHFA first mortgage loan.
With Down Payment Resource, you can provide a unique online experience tailored to millennials and other new buyers who face down payment hurdles. Our service helps you engage first-time buyers by providing valuable information about available programs, and gives agents a new tool for winning listings and building trust with buyers.
Jumbo Loan Minimum Down Payment Jumbo Loans Require More Payments In Reserve – It means that the guidelines on minimum credit scores and cash reserves. six and twelve months’ worth of repayments. At PNC, jumbo loan applicants must have six months of reserves to cover down.
To be eligible for the down payment assistance of 3% of the home’s purchase price, up to $3,600, the property must be in one of the following eligible states: MI, IN, IL, KY, TN, OH, WV, NC, GA, FL and either located in a low Income Census Tract or borrower must meet the low income limit threshold based on the qualifying income per FFIEC website.
What Is The Minimum Down Payment For A House If the purchase price is between $500,000 and $999,999, the minimum down payment is 5% of the first $500,000, and 10% of any amount over $500,000. If the purchase price is $1,000,000 or more, the minimum down payment is 20%. Minimum Down Payment Examples. Example Minimum Down Payment BC #1: A home that is worth $500,000
It’s good to ask what’s available. While down-payment assistance programs are common, they’re not as plentiful as during the post-recession foreclosure crisis, when cities plagued by high vacancy.
So you’re looking to purchase a home. Most folks may remember the days when everyone had a conforming loan. (A loan that is under $417k). Now with higher prices you may need a High Balance Conforming.
HEFTIER DOWN PAYMENT. The minimum down payment for a jumbo mortgage is 10% for most lenders, Sahnger says. SoFi is one such lender. For jumbo loans up to $1 million, Wells Fargo permits down payments of 10.1% with no private mortgage insurance, Gotsch says. Other lenders, such as U.S. Bank, require at least 20% down.
Jumbo loans are available in a variety of fixed-rate and adjustable-rate options. Although they usually feature both a higher down payment amount and higher.
Jumbo loans make it possible for borrowers to purchase properties with low interest rates and loan amounts up to $3M. We offer a wide variety of Jumbo loan products, including fixed- and adjustable-rate mortgages. We also carry an interest-only option, which means your monthly payment is all interest and no principal!
The short answer is that it depends upon the investor, that investor’s appetite for risk, the size of the loan, and your individual situation. Total Mortgage has a wide variety of jumbo loan investors, and each investor has their own underwriting guidelines that dictate how much money you will need for a down payment on your jumbo loan.
A 5 percent down payment jumbo loan is otherwise known as a 5 percent down payment jumbo mortgage is a loan that is above the conventional loan limits and is called a Jumbo Mortgage Loan. This loan limit is set by Fannie Mae and Freddie Mac, who purchase loans from lenders.
Jumbo Mortgage Down Payment – If you are looking for fewer home expenses then our mortgage refinance service can help you find a solution to relieve your financial stress.
The federal housing administration. fha loan. In a normal fha loan, borrowers need a 580 credit score but the minimum increases to 600 with a jumbo loan. Refinances can require a score as high as.
A jumbo mortgage is a home loan for more than $453100 in most of the. The down payment on jumbo loans are, on average, between 10 and.
Home Building Assistance Programs Getting An IHDA Loan – IHDA – After watching the video, scroll through our current mortgage programs to see. Qualified homebuyers can receive down payment and closing cost assistance.. down payment and closing costs for the purchase of a new or existing home.Usda Loan Down Payment Assistance USDA Home Loans The U.S. Department of Agriculture rural housing loan is 100% financing or no down payment loan. Property eligibility and income limits apply. Currently, much of Pinal County and very few areas in Maricopa County apply.
In real estate, a down payment is the amount of cash you put towards the purchase of home. Down payments vary in size and are typically described in percentage terms as compared to the sale price.
Conventional wisdom demands that you have 20% of the cost of the house for a down payment, but reality states that, given the right situation, you could get in the door with as little as 3% or maybe even 0% down!
The typical size of a down payment varies greatly depending on the local real estate market. According to a survey by Realtor.com, the lowest average down payment is just 6.8 percent in Virginia Beach, VA. At the other end of the spectrum, home buyers in San Jose, CA plunk down an average of 23.9 percent when buying a home.
How much down payment do you need for a house? Anything from zero to 100 percent. The difference between your down payment and the purchase price is your mortgage.
A down payment is a percentage of the purchase price a borrower must pay up-front to buy a home. The down payment is given to the seller and the bank gives a loan for the rest of the money. The down payment will be a percentage of the purchase price. For example, if you buy a $200,000 home and the down payment is 10%, the down payment is $20,000.
How Much Down Payment For A Conventional Home Loan In fact, conventional mortgages can have down payments as low as 3. Doubling a down payment on a $500,000 loan from 10 percent to 20. of your down payment can affect how much mortgage insurance you have to pay,
A down payment is an up-front payment you make to purchase a home, vehicle, or other asset. The down payment is the portion of the purchase price that you pay for yourself out-of-pocket (as opposed to borrowing). That money typically comes from your personal savings, and in most cases, you pay with a check, credit card, or an electronic payment.
Conventional mortgage: Any mortgage that is not insured or backed by the government is considered a conventional home loan. typically, these loans require a down payment of 20 percent or more. If your down payment is less than 20 percent, you will likely need to pay for private mortgage insurance.
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New Home Program Many New Yorkers want to purchase a home but have difficulty saving enough money to make the down payment. HPD’s HomeFirst Down payment assistance program provides qualified homebuyers with up to $40,000 toward the down payment or closing costs on a 1-4 family home, a condominium, or a cooperative in one of the five boroughs of New York City.Down Payment On House Average Average and Minimum Down Payments on a House in California – Average Down Payment in California, 2017. According to data reported by RealtyTrac, Ellie Mae (a mortgage software company), and other sources, the average down payment on a house in California is roughly 13% of the purchase price. Home prices, on the other hand, vary widely from one city to the next.
Weatherization Assistance Program (WAP) The Weatherization Assistance Program (WAP) provides low-income households with free weatherization services, such as improvements for heating and cooling systems, electrical systems, and electricity consuming appliances. This can help families stay healthier and save hundreds of dollars in heating and.
Heating assistance is available once per program year on a first-come, first-served basis. “For many Ohio families, heating their homes during this time can also pose a difficult financial burden.
Help With Down Payment For House One of the most popular of the low-down payment loans is a Federal Housing Administration , which allows for a 3.5 percent down payment. One of the downfalls of this program, however, is that you still have to pay mortgage insurance premiums to protect the lender if you default on your loan.
The Low Income Home Energy Assistance Program (LIHEAP) helps keep families safe and healthy through initiatives that assist families with energy costs. We provide federally funded assistance in managing costs associated with: Home energy bills; Energy crises; Weatherization and energy-related minor home repairs
The Low Income Home Energy Assistance Program (LIHEAP) helps keep families safe and healthy through initiatives that assist families with energy costs. Read More About LIHEAP. Get information on how and where to apply for energy assistance, click "Need Help With Bills" to access the LIHEAP Clearinghouse web site.
Down Payment Closing Cost Assistance Down Payment For A House Assistance Homeownership programs can help you get in a house much more quickly and give you a valuable cash cushion for those other expenses, like the home inspection and home repairs. You could save on save on your down payment and closing costs, or even get ongoing tax credits. But, who qualifies for down payment assistance?Dallas Down Payment Assistance Program Downpayment Help Arizona Down payment assistance programs – The down payment assistance can potentially cover all of your down payment and closing costs. No first time home buyer requirement for most programs. The assistance money received is a silent second that has no interest, no payment and is forgiven monthly over the first three years of home ownership.Central Kia of Plano – Dallas Kia Lease Specials – Welcome to Central Kia of Plano, your premier source for new and pre-owned Kia models in the Dallas-Fort Worth metro area. Whether you’re in the market for a Kia Soul, Optima, Sorento, Forte, Sportage, Sedona, Cadenza, Rio, K900, or any of our other popular models, we have an extensive inventory to give you better options when shopping for your next vehicle.This might be your lucky day if you have been looking to buy a place for yourself, you have a decent paying job, a middle credit score of at least 640 but you don’t have the down payment or the.
Employee Home Loan Purchase Assistance Program. Through the Employee Home Loan Purchase Assistance Program the University of Portland aims to assist.
The local after-school program in the heart of the city’s westside opened its doors four years ago, and now they have a brand.
Shelling out big bucks for your first home, along with shopping for a mortgage, might seem daunting.Luckily, though, there are numerous first-time homebuyer programs and grants that can help you.
Learn more about Hardest Hit Fund Programs. Home Affordable Unemployment Program (UP) The home affordable unemployment program reduces or suspends mortgage payments for 12 months or more for homeowners who are unemployed. If you qualify, your mortgage payments may be reduced to 31% of your income or fully suspended.
Mortgage Loan Down Payment Requirements · With an FHA loan, you can make a down payment on a condo as small as 3.5 percent and still pay the same rate you would with a larger down payment. However, the FHA charges an upfront mortgage insurance fee of 1.75 percent of the loan amount that isn’t charged on Fannie Mae loans.The Average Down Payment On A House Average Down Payment on a House – PrimeLending Kansas City – In actuality, the average down payment on a house in 2016 was 11 percent. For borrowers under the age of 35, the average down payment was even smaller: 8 percent. In fact, 16 percent of those under the age of 35 who purchased a house in 2016 put nothing down.
is a statewide program that helps income eligible clients with a pregnant woman, infant, or young child to obtain the health care services and other assistance they may need to have a healthy.
OTDA Home Programs & Services Home Energy Assistance Program. Overview. The Home Energy Assistance Program (HEAP) helps low-income people pay the cost of heating their homes. If you are eligible, you may receive one regular heap benefit per program year and could also be eligible for emergency HEAP benefits if you are in danger of running out of fuel or having your utility service shut off.
Texas First Time Home Buyer Down Payment Assistance Hope Down Payment Assistance MHDC Loans – Down Payment Assistance – Mortgage Lender – MHDC Loans are low-down payment options that offer down-payment assistance grants through the State of Missouri for up to 4.5% of the loan amount, and the rest of the financing coming from a certified lender like USA Mortgage.First-time homebuyers may be eligible to obtain down-payment and closing-cost assistance. Homebuyer Program, applicants.
Firms from New York, Texas, Wisconsin, Illinois and Missouri also submitted proposals. Another way in which the agency helps low-income folks is providing down payment assistance using SHIP, a.
FHA Down Payment Grants for 2019. The following down payment assistance programs and/or grants were researched by the team at FHA.com. Please note that all programs listed on this page may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until.
QUICK JUMPS: First Time Homebuyer Program | Minor Home Repair Program. The City of Lee's Summit was designated as an Entitlement Community under.
Down payment assistance loans. Other down payment assistance comes in the form of an interest-free loan that may be structured as a second, silent mortgage that is repaid only when the house is.
Fha Down Payment Assistance 2019 Down Payment Requirement For Conventional Mortgage freddie mac takes aim at FHA with widespread expansion of 3% down mortgages – It’s been more than three years since freddie mac rolled out a conventional mortgage that only required a 3% down payment for certain borrowers. But now, Freddie Mac is about to supercharge its 3%.Florida Down Payment Assistance Program Information (Current) 2019 Florida down payment assistance programs are available for the use of and/or closing costs. These popular down payment assistance programs are listed below. Most programs are available on a first come first served basis and are available throughout most of Florida.
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Down payment assistance programs are attractive because they often help you avoid PMI payments. Missouri Down Payment Assistance Programs & Grants. NeighborhoodLIFT (NEW in 2018) The NeighborhoodLIFT program offers $15,000 in down payment assistance grants for qualified properties and home buyers. It’s available for up to 300 families in Jackson, Clay, and Cass counties.
SPRINGFIELD, Mo. – A new city program will provide some first-time home buyers with a down payment assistance program, encouraging.
NeighborhoodLIFT, funded by Wells Fargo, will provide homeowner training and $15000 in down payment assistant grants to up to 300.
The Missouri Housing Development Commission programs offer affordable interest rates in addition to down payment and closing cost assistance. There are two MHDC First Time Home Buyer Programs, the Cash Assistance Loan (CAL) provides cash assistance up to 4% of the first mortgage to first time home buyers for down payment and closing costs.
Statewide Home Buyer Programs – The Missouri Housing Development Commission offers the Mortgage Revenue Bond Program for eligible first-time homebuyers Community Action Agency of St. Louis County – available only in st. louis county delta area economic Opportunity Corporation – down payment assistance for lower-income families in Dunklin.
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Your down payment can be as low as 3.5% of the purchase price. Available on 1-4 unit properties. Financial help for seniors Are you 62 or older? Do you live in your home? Do you own it outright or have a low loan balance? If you can answer "yes" to all of these questions, then the FHA Reverse Mortgage might be right for you.
Adjustable-rate mortgages offer a low initial rate which results in lower payments; however, the interest rate resets after a.
Schachter recommends that borrowers who can afford it skip the assistance programs and instead choose a conventional or government-insured mortgage that requires a low down payment. These programs don’t come with the same restrictions or higher interest rates, as sometimes offered by down payment assistance programs. California dreamin’
Land As Down Payment For Construction Loan Borrow Money to Fund a Land Purchase. Construction loans: You might be able to use a single loan to buy the land and fund construction. This allows you to suffer through less paperwork and fewer closing costs.. Down payment: To borrow for the land and construction costs, you’ll need to.
Borrowers can put zero down on their mortgage if they have someone willing to gift them the money for the down payment. Another option is to look for a first-time homebuyer grant or down-payment assistance program.
FHA Loans The down payment can be one of the biggest obstacles to homeownership. Even in a very modestly priced market, a traditional 20 percent down payment easily amounts to tens of thousands of.
When it comes to FHA loans, the traditional, bare-minimum down payment amount is 3.5% of the contract sales price of the home. Since FHA down payments are calculated by multiplying the sale price of the home by 3.5%, if you don’t know the specific sale price of the home, you won’t be able to come up with an exact figure for that down payment.
How Much Of A Down Payment Should I Put On A House · Why a 20% Down Payment Is a good idea. pmi can cost as little as .3% of the loan or as high as 1%. That percentage is calculated on an annual basis, paid monthly or in a lump sum each year. On a $200,000 mortgage, PMI can range between $50 and $166.67 a month.
That means first-time buyers would be able put down a 10% down payment, versus the 40% previously required. The package.
The concept of a biweekly mortgage payment is pretty simple. You make half of your mortgage payment every two weeks. That results in 26 half-payments, which equals 13 full monthly payments each year. That extra payment can knock eight years off a 30-year mortgage, depending on the loan’s interest rate.
Down payment – The down payment is money you give to the home’s seller. At least 20% down typically lets you avoid mortgage insurance. mortgage amount – If you’re getting a mortgage to buy a new.
City Of Houston Down Payment Assistance Programs – City of Houston HOPE – Down Payment Assistance – The City of Houston Housing and Community Development department manages houston Homebuyer Assistance and the HOPE Program. Through this program, qualified applicants can receive up to $30,000 in assistance for the purchase of their home.No Down Payment Homes Houston First time home buyer Mortgage Down Payment Help With Downpayment To Buy A House Downpayment Help Down Payment Solutions – Official Site – If you’re looking for down payment assistance, you’ve come to the right place. As a potential first time home buyer, you may be encountering some difficulties in saving sufficient money to make a down payment on a home.Do I Really Need a Down Payment When I Purchase a Home? – Many lenders are offering alternative financing when it comes to purchasing a home, but there are benefits to having a down payment saved up.. 4 tips to Help You Calculate How Much You Can Spend on a Home · Couple in new home.Complete First-Time Home Buyer’s Guide – Fortunately, there are many financing options for first-time home buyers, including government-backed mortgages, down payment assistance programs and even grants. You may be surprised at how affordable your first home could be.Looking for a custom home builder in Houston, Conroe, Huntsville or Willis TX? We are committed to building high quality and low maintenance homes. View over 50.
· "What Is a Typical Construction Loan Down Payment or Deposit?” Brian answers: What kind of down payment is required to build a custom home? I hear this question quite often, and here’s how I answer it: Get Pre-qualified. Before shopping for a builder, get pre-qualified for your mortgage.
Their average student loan balance is double that of Gen-Xers at a similar. Instead, says Krawcheck, shoot for placing a.
The average down payment on a house varies depending on the type of buyer, location and home prices in a given area. For example, first-time buyers typically put less money down than repeat buyers,
The size of your down payment on a house depends upon multiple variables, including your personal financial situation, your age, your marital status, your income, your credit health and how much.
Here's how much an average down payment costs in each state. In 2018, the average sales price of a house was $265,500, which means.
Fha Loan Down Payment Gift Loans insured by the Federal Housing Administration allow for family, friends, your employer or others to give you money as a gift for the down payment. The FHA is “not concerned” with where.Fha Down Payment Assistance Programs House Down Payment First Time Buyer Jumbo Loan Minimum Down Payment Jumbo mortgage rates reflect the Default Risk – jumbo. minimum 45% down payment. “If you have been able to. save for a down payment, that to us speaks volumes about your character,” says Bill Higgins, ING’s chief lending officer. Some banks,City Of San Antonio Down Payment Assistance What’S The Minimum Down Payment On A House Harris County Down Payment Assistance Help With Downpayment To Buy A House Minimum Down Payment For conventional mortgage 2019 minimum Mortgage Requirements | LendingTree – With an FHA loan, if you made a minimum down payment, the only way to get rid of your monthly mortgage insurance is to refinance your loan. credit score: The minimum score for a conventional mortgage is 620, although some lenders may require a minimum score of 640.Conventional Down Payment Minimum Down Payment for a Conventional Mortgage in Oregon – Using that price point, the minimum down payment for a conventional loan in Portland would be somewhere around $12,165. The minimum (3.5%) down payment for an FHA-insured mortgage loan would come to around $14,192, on a median-priced home. A 20% down payment in this price range would amount to roughly $81,100.Should you help your adult child with a down payment for a house? – Should you help your adult child with a down payment for a house? Tanisha A. Sykes. Published 2:56 PM ET Mon, So if your adult children could use some help buying their new digs, should you.Homebuyer Assistance Program – City of Houston – Funds may be used to assist an approved applicant in paying down payment, Visit the Harris County Appraisal District's (HCAD) website at www.hcad.org and .Construction Loan Down payment construction loans: How much cash will I need for a down. – · Down payment. We’re going to talk about the cash you’ll need for a down payment, why the bank wants that down payment, and how the bank comes up with the amount. Banks see construction loans as riskier than permanent mortgages, mainly because they are lending the bank’s money, not selling the loan to investors they way mortgage companies do.How Can I Get Down Payment Assistance Downpayment Assistance – One Roof Community Housing – The Purchase Assistance Loan program offers qualified homebuyers the opportunity to finance their down payment saving the buyer/borrower the cost of a .The city of San Antonio’s Homeownership Incentive Program loans as much as $12,000 for down-payment and closing costs for first-time buyers purchasing a house in targeted areas in the inner city.If you’re ready to buy a home now, and you’ve found a competitive mortgage rate, first-time homebuyer grants and programs are available to help complete the process.Here are six programs that can help you get into a home without a huge down payment.First Time Home Buyer Mortgage Down Payment Down Payment Requirements for First Time Home Buyers. – First Time Home Buyer Down Payment By Stevie Duffin Updated on 7/20/2017. For many first time home buyers, down payments can be a significant obstacle to obtaining a mortgage loan, as most home loans require sizeable sums up-front.The good news is that there are plenty of down payment assistance programs available to help buyers overcome. insured by the federal housing administration, better known as an FHA loan, for a down.
The average down payment amount for first time buyers now ranges between 5 and 10 percent. During the years when subprime mortgages were allowed, homebuyers shunned FHA loans and loans with mortgage insurance. full 100 percent financing became available for just about anyone.
What is a Down Payment? A down payment is the amount of money you spend upfront to purchase a home and is typically combined with a home loan to fulfill the total purchase price of a home. In addition your down payment amount, your credit score, credit history, total debt and annual income will influence how much of a loan you can qualify for.
The average down payment amount on a home is dependent on the type of loan and cost of the home. The benchmark is 20% of the home.
Getty If you’ve been thinking of buying a house, you probably know that you should start saving up toward a down payment. 1,4000 monthly payment over a 30-year loan with an interest rate of 5%.
Your minimum down payment will be 5% on the first $500,000, for a total of $25,000. On the remaining $100,000, your minimum down payment will be 10%, for a total of $10,000. Add both totals together and your minimum down payment would be $35,000. Home Buyers’ Plan (HBP)
Conventional Loan. You can put just 10% down on a conventional loan, despite the popular belief that these loans require 20%. This option requires private mortgage insurance (PMI), which is typically very affordable. In many cases, opting for PMI is a better strategy than trying to come up with 20% down.
Conventional Loans Available with 3% Down Payment. The minimum down payment for conventional mortgage loans is now 3%. FHA Reduces Annual Mortgage Insurance, 2017, the annual FHA mortgage insurance is lowering to 0.60% from 0.85% for most FHA loans.
How To Buy A House Without Down Payment The pressure to buy a home right now is real, especially as rent prices continue. There's just one problem: you don't have a down payment for a house yet.. Because putting down 20% means no private mortgage insurance (PMI)-an extra.
Typical Conventional Mortgage Down Payment Amount "Conventional loans are very popular still. Older people usually have 20 percent down because they are downsizing or upsizing, and they sell a house. They put that money towards a new place," Stevenson says. For most borrowers, the lowest down payment for a conventional mortgage loan is 3% to 5%.
Loan. payments while searching for a new tenant. At September 30, 2019, non-performing assets consisted of $3.6 million in non-accrual loans, $510,000 in non-accrual restructured loans, $747,000 in.
Minimum Down Payment On Jumbo Loan First Time Home Buyer Gov Help With Downpayment To Buy A House How to Buy a Home With ira money: 7 steps (with Pictures) – How to Buy a Home With IRA Money. Buying a home is expensive and is one of the largest financial investments most people make in a lifetime. Saving enough money to make a down payment can take years. Because of this, some people choose to.Steps to Buying a Home | CA Housing Finance Agency – Attend a homebuyer education course if you are a first-time homebuyer. If you are a first-time homebuyer, and have been pre-qualified, you must attend a homebuyer education course. This education will help you understand the importance and responsibilities of homeownership.Although stronger numbers put you in a better position to command lower rates, the minimum 720 credit. mortgage under the local jumbo threshold. A lender can help you decide what combination of.
For many people without 5% down, the dilemma is whether to get a conventional loan over a FHA loan when they only have a little down payment. Both loans require mortgage insurance. Conventional loan borrowers making a down payment of less than 20 percent will need to get Private Mortgage Insurance (PMI).
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First Time Home Buyer Mortgage Down Payment First Time Buyer Programs and Down Payment Assistance. – YES – You CAN Buy a Home with as little as $1,000 down: Our first time home buyer down payment assistance loan programs require the home buyer to contribute A MINIMUM $1,000 of THEIR OWN MONEY to buy the home.
If you use a conventional mortgage and have at least a 20% down payment you do not have to carry PMI. FHA loans require a mortgage insurance premium regardless of how much money you put down. However, the amount of your down payment does affect the FHA MIP rate and length of time you will be required to have it.
– Best FHA Loans of 2019 | U.S. News – traditional conventional mortgage lenders typically expect a 20 percent down payment, but the FHA minimum down payment requirement is 3.5 percent. fha loans have lower credit score requirements and may allow a higher debt-to-income, or DTI, ratio.
Conventional To The Down Payment A Required Obtain Is Typical. – Minimum Down-Payment Requirements for a 30-year mortgage loan . If you’re looking for a "regular" conventional mortgage loan – one that is originated and insured within the private sector – you might be able to make a down payment as low as 3%.
An assumable mortgage. to obtain an appraisal independently of the lender to mitigate the risk of overpaying for the property. Another consideration should be the seller’s equity. A lot of equity.
The larger your down payment, the less you’ll have to cover with a mortgage, and therefore, the lower your monthly loan payments will be. If you have a very small down payment, you’re likely limiting the number of mortgages you’re eligible for, and may be charged a.
Bank Of America Affordable Home Program Down Payment Requirement For Conventional Mortgage Qualification Requirements On Conventional Mortgages – Second Homes And vacation home conventional mortgages. To qualify for a second home or vacation home mortgage, a 10% down payment is required as well as a 620 FICO credit score. Investment Property conventional mortgages. minimum down payment requirements for an investment home mortgage loan is 15% down payment.This fixed-rate loan for modest-income borrowers offers a competitive rate with a down payment as low as 3% to help make buying a home more affordable. In addition to low down payment mortgage options, there may be down payment and cost savings programs available in your area. Visit the Bank of America Down Payment Center Footnote 1 to learn more.
One key issue, for example, is the size of the down payment required to get a mortgage. One regulation that could. Abromowitz is a Senior Fellow at the Center for American Progress.
Start studying unit 15. learn vocabulary, terms, and more with flashcards, games, and other study tools.. Is a way for a borrower to obtain a conventional mortgage loan with a down payment less than 20%.. What loan program? hs no down payment required with no max loan amount restrictions. VA.
· What’s Different About Getting a Condo Mortgage?. On a conventional mortgage backed by Fannie Mae, the rate on a condo will usually run about one-eighth to one-quarter of a percent (0.125-0.250 percentage points) higher than what you’d pay on a single family home.. Down payment requirements of 20-30 percent or more are common as well.
Conversely, FHA and USDA loans always require mortgage insurance so even with large down payments, you’ll have a monthly MI charge. The only loan for which your down payment affects your.
Also, banks with their relatively high overhead costs of manpower and branches do not find it economically viable to do.
FHA loans, with their low down payments and relaxed credit requirements, are supposed to make it easier to buy a home. But home sellers haven’t always welcomed FHA offers with open arms. Stories about.
FHA (Federal Housing Authority) loans originally came to the market to help out. "Proposals to further increase FHA down payment requirements are unwarranted. The current 3.5 percent down payment.
Conventional Mortgage Loan Down Payment Down Payment Assistance for First time buyers – FHA – HUD does not have a particular policy regarding down payment programs in terms of applying for approval with the program. However, HUD does indeed maintain a list of HUD Approved down payment assistance programs.. When it comes to down payment programs, the primary focus for HUD is ensuring that no secondary financing (2nd mortgage, excluding hud approved secondary financing).
· credit scores: borrowers with low credit scores are more likely to get approved for FHA loans. If you want to make a 3.5 percent down payment, your score can be as low as 580. If you’re willing to make a bigger down payment, your score can potentially be lower still (a 10 percent down payment is typical for FICO scores between 500 and 580).
Common FHA Questions. Purchase or refinance your home with an FHA loan. You can get one with a down payment as low as 3.5%. Browse through our frequent homebuyer questions to learn the ins and outs of this government backed loan program.
With the FHA, the minimum down payment depends on your credit score. With a credit score of 580 or higher, the minimum down payment is 3.5%. With a score of 500 to 579, the minimum down payment is.
Borrowers with a credit score as low as 580 stand a chance to get approved for an FHA loan with a down payment as small as 3.5%. That’s just $7,000 for a $200,000 home. Unlike other loans, FHA loans don’t necessarily require two years of employment to qualify.
· FHA loans are designed to help people own homes, so FHA loan credit score requirements are lenient. The required minimum credit score and credit history to obtain an FHA loan with the low 3.5 percent down payment is around a 580 FICO score.
FHA Loan applicants must have a minimum FICO score of 580 to qualify for the low down payment advantage which is currently at 3.5%. If your credit score is below 580, the down payment requirement is 10%.
Can Fha Down Payment Be Borrowed You cannot include your down payment in an FHA loan, but there may be. Can Fha Down Payment Be Borrowed – lake water real Estate – Lower Your Down Payment With Private Mortgage Insurance PMI. which averages about $70 for every $100,000 borrowed.
As you can see, you could need more than 1.5 times your down payment to successfully close on a house. That’s why it’s important to include the additional cash requirements in your home buying plans.
When it comes to buying investment property, the down payment you’ll need is determined by several factors, including your credit score, income and debt-to-income ratio. However, it also matters whether you plan to live in the investment property you want to buy.
What is the minimum down payment on a house? The amount you’ll be required to put down on a house depends on the type of loan you get and lender requirements. Normally, a 20 percent down payment.
How To Purchase A Home Without A Down Payment A no down payment mortgage allows first-time home buyers and repeat home buyers to purchase property with no money required at closing except standard closing costs. Other options, including the.
Saving money is the best way to accumulate the cash you’ll need to produce a down payment on a home. If you don’t have a goal in mind, however, it’s hard to know how much to save and for how.
Conventional Loan Down Payment Percentage Total Payment Calculator – conventional loan. terms and conditions apply. Always consult an accountant or tax advisor for full eligibility requirements on tax deduction. guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage company 5898 copley drive san diego, CA 92111 | State of Missouri Principal Location: 11730 Fenpark Drive, Suite 1003, Fenton, MO 63026.
A large down payment helps you afford more house with the same payment. In the example below, the buyer wants to spend no more than $1,000 a month for principal, interest, and mortgage insurance.
A 20% down payment on that house would be $60,000. Some loan programs don’t require a down payment, but in most cases, you’ll need to have skin in the game. Let’s explore what that looks like.
Finally, we needed to add in our down payment. We bought our home with a conventional. Read more about buying a home: 7 signs you can actually afford the home you want to buy How to buy a house.
One important decision when buying a home is how big of a down payment you should make. We look at the required down payment for several different types of mortgages, as well as the average down.
How much of a down payment do you really need to buy a house? While the answer is situationally, the typical range for a new home down payment is 3.5 percent to 20 percent. Many people believe they need a 20 percent down payment to buy a house, but it’s possible to purchase even a brand-new house with as little as 3.5 percent down – or even nothing down at all .
Homebuyers & Homeowners Assistance. Housing Resource Center provides credit and mortgage counseling to potential homebuyers, along with foreclosure counseling to struggling homeowners. Talk to one of our certified counselors to find out how you can save money and make the most of your investment. We offer:
Something like a forgivable loan over a five-year period to first time home buyers who buy and live in the home they renovate.
For eligible first time home buyers and veterans Down payment assistance and closing cost assistance up to 5% of the mortgage loan Combine with the Department’s Texas Mortgage Credit Certificate Program for maximum benefits! The Texas Mortgage Credit Certificate offers a dollar-for-dollar reduction on a homebuyer’s federal tax liability.
WCDA assists low-to-moderate income buyers to purchase a home with low interest rate financing and down payment assistance, not to mention the generous.
Minimum Down Payment House Buying A Home Without A Down Payment Or you can find down payment assistance programs that could allow you to buy a home with no money down. USDA and VA loans require zero down payment. FHA and Conventional loans need just 3.5% or less down, but 100% of the down payment can be a gift. This would make it possible to buy a house with no money down.First-Time Buyers: How Much Down Payment Do You Really Need These days? conventional wisdom says 20%, but you can buy your first home with much less down. By Teresa Mears , Contributor | May 3, 2019, at 10:19 a.m.
If you’re purchasing a home in a target area designated by the housing finance agency, you may receive special benefits such as higher assistance amounts, more lenient income requirements and if there’s a first-time homebuyer requirement, it may be waived.
On the question of what one new initiative they’d introduce to make home ownership more affordable for first-time buyers and.
The househartford homebuyer assistance program was created in an effort to increase homeownership opportunities in the City of Hartford. It offers low and moderate-income homebuyers down payment assistance up to a maximum of $40,000.
Dpa Assistance Down Payment Assistance In Texas Houston’s Housing and Community development department (hcdd) administers the City’s Homebuyer Assistance Program (HAP) for eligible low- to moderate-income families. Funds may be used to assist an approved applicant in paying down payment, closing costs, and principal buydown. Homebuyer Assistance Program Qualifications:What Is The Minimum Down Payment For A House What’S The Minimum Down Payment On A House Learn about the different down payment options so you can make informed decisions. down payment on a house, how much down payment for house, mortgage down payment Your down payment plays an important role when you’re buying a house.Whether you’re in a buyer’s market or a seller’s market, once you find a house that feels like home. for a home,” Jenkins says most loan programs require a minimum 3.5% down payment. You may have.Chenoa Fund Is an affordable housing program provided through a federally chartered government entity to increase affordable and sustainable homeownership.What Is The Minimum Down Payment For A House · For an FHA loan, the minimum down payment you would need to buy a home is 3.5% down. Most lenders can lend up to $417,000 with the exception of Alaska, Hawaii, and Guam.
Down Payment Assistance Programs The money you put "down" or the down payment on your home loan can be one of the largest hurdles for many first-time homebuyers. That’s why CalHFA offers several options for down payment and closing cost assistance. This type of assistance is often called a second or subordinate loan.
Homebuyer Assistance Program Houston’s Housing and Community Development Department (HCDD) administers the City’s Homebuyer Assistance Program (HAP) for eligible low- to moderate-income families. Funds may be used to assist an approved applicant in paying down payment, closing costs, and principal buydown.
Through a HUD program called Rental Assistance Demonstration, Williams said his housing authority is using. The city also uses Community Development Block Grant funds to help prospective homebuyers.
Expected to launch in early June, the Homeownership Loan Program will offer a favorable 30-year fixed rate first mortgage coupled with up to $15,000 in down payment and closing cost assistance for.
Help At Home, LLC is a home care agency committed to enhancing the quality of life for our clients. We are dedicated to providing care that allows our clients to remain comfortable in their own homes with dignity and independence.
There are a variety of programs available to help you resolve your delinquency and keep your home. You may be eligible to refinance or modify your mortgage to make your payments more manageable. Or, if you have missed a few payments, you may qualify for a temporary solution to help you get your finances back on track.
"They do not have insurance but [Welwyn Hatfield Borough Council] is currently helping them find a new home. All that they.
ProfitSystems, a HighJump product and provider of solutions for home furniture retail, has added new solutions for its server.
More than 400 Memphians have benefitted from down payment assistance from the Tennessee Housing Development Agency, according to a.
Most senior services in New Jersey are administered locally by county-based area agencies on Aging (AAAs). Click here to find the AAA in your county. Office of Community Choice Options Most seniors and people with disabilities in need of long-term care services prefer to get help in their home or in a community setting rather than in a nursing.
We offer several programs to help home buyers and homeowners.. Find out more about our program to help you purchase your new home.
Down Payment Assistance Tx Home Loan Down Payment Assistance Programs Each program offers a unique source of assistance, whether that is down payment and/or closing cost assistance, or possibly a tax credit through a mortgage credit certificate.” All programs have specific eligibility requirements; a program index provides more information on specific programs, jurisdictions, and other eligibility criteria.Down Payment Assistance. When available Lubbock Housing Finance Corporation provides or has information regarding various programs that assist persons who qualify for a mortgage loan but lack the cash needed for a down payment and should call 806-744-keys (806-744-5397) for more information.City Of San Antonio Down Payment Assistance The Wells Fargo Foundation provides grants for down-payment assistance through NeighborWorks America to local NeighborWorks organizations and/or other nonprofits. At a two-day launch event in each city, potential homebuyers learn if they qualify for the down-payment assistance program.Typical Down Payment On A House
Vacant or Abandoned Properties. Learn more about abandoned or vacant "zombie" property Properties; Report an abandoned or vacant "zombie" property that is not being maintained via our Consumer Complaint form; Learn more about the requirements for inspecting, securing, and maintaining vacant and abandoned properties in New York.
A New York State funded local assistance program. The Town. A wide variety of existing programs and agencies are available to assist homeowners. You can.
Make a Homeowner’s Journal Buy a ring binder and keep insurance papers, repair receipts and all other paperwork pertaining to the house in it. Storing all your house information in one handy place makes life easier for the homeowner and can be a sales ‘plus’ when selling the house later.
Police officers in small towns help residents deal with a lack of traffic signals. And everyone else just tries to stay.
While an FHA loan may sound great, it’s not for everybody. It won’t help those with credit scores. to support ‘low- and moderate-income home buyers,’ particularly those with limited cash saved for.
Down Payment Assistance Programs for Homebuyers The following down payment assistance programs and/or grants were researched by the team at FHA.com. Please note that all programs listed on this page may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until resale of the mortgaged property.
What Is The Downpayment For First Time Home Buyers Don’t let the downpayment be the barrier to your homeownership dreams. For example, the current HBP lets first-time buyers withdraw up to $25,000 from their RRSPs to buy or build a home. RRSPs are a great way to secure your financial future while enjoying tax benefits today.No Down Payment Homes Houston · Homes for Texas Heroes is a special home loan program for Texas veterans, military members, teachers, firefighters, police, correctional officers and ems personnel.participants receive 3% to 5% of the loan amount in down payment assistance that never has to be repaid! You don’t need to be a first-time home buyer to qualify! mortgage credit certificate (mcc) can help you save up to $2,000.
Programs can include loans, grants, tax credits and other programs for eligible homebuyers that can help them achieve the down payment faster, cover closing costs and get into a home sooner than they would have otherwise. Who offers these programs? state housing finance Agencies (HFA) often offer the broadest array of opportunities.
Down payment assistance programs can make buying a home easier. But depending on the program, you could end up with a higher interest rate. Down payment assistance programs can make buying a home easier..
Down Payment Assistance: Assistance will be provided to qualified first-time homebuyers purchasing a new or existing single.
Home Plus Program. The Home Plus Program provides a competitive 30 year fixed rate mortgage with a down payment assistance grant up to 3% of the loan amount on a home purchased in Arizona (except Maricopa and Pima counties).
The government also runs a slew of down payment assistance programs for first-time home buyers. Also, check with your county to see if it offers special programs to encourage homeownership in certain neighborhoods. Tap Your Retirement Funds Certain retirement accounts will let you borrow from them to buy a home.
Our down payment calculator tool helps you understand what your minimum potential down payment could be in your geography based on the target home price that you choose. First we look at the loan limits for different mortgage types in your location, then we take your target home value and identify.
Our downpayment assistance is only for homebuyers who use our home loan programs, either Home Advantage or Opportunity. If your household income is under the program limits (up to $145,000), your credit score is at least 620, and you’re otherwise qualified for a home loan, you are probably eligible.
What Is The Minimum Down Payment For A House Help With Downpayment To Buy A House Fha Down Payment Amount Down Payment – What is a Down Payment? | Zillow – A down payment is the amount of money you spend upfront to purchase a home and is typically combined with a home loan to fulfill the total purchase price of a home. In addition your down payment amount, your credit score, credit history, total debt and annual income will influence how much of a loan you can qualify for.Find Down payment assistance programs | Down Payment Resource – Where are you looking to buy? In a neighborhood, city or county. homeownership history and more when finding down payment help for you.. referral exchange can help connect you to a real estate agent who might be able to assist you in finding a home.How much house can you afford?. 3.5% is usually the minimum down payment on a mortgage, but there are several choices for buyers without. FHA home loans have plenty of differences from conventional loans, including down payment requirements and the amount of that down payment.Government Down Payment Assistance What’S The Minimum Down Payment On A House Is there a minimum down payment that you have. :: GoFTP Answers – The amount of your down payment is determined by what sort of mortgage you get and the mor. read more. The minimum downpayment required for a mortgage in Ontario is 5%. Many lenders also requi. read more.10 first time home buyer programs and grants that can help lower, or eliminate closing costs and down payment requirements. find out how you can qualify.
TDHCA provides home down payment assistance programs, including first time home buyer loans, to qualified texas home buyers. Each down payment assistance program has its own set of eligibility requirements, but most of them look at factors like income, assets, household size, geographical area, and whether you are a.
While there’s no question that one of the biggest challenges first-time. a down payment, the reality is that would-be buyers often overestimate the amount of money they’ll need and underestimate.
Help With Down Payment For House FHA Down Payment Grants for 2019. The following down payment assistance programs and/or grants were researched by the team at FHA.com. Please note that all programs listed on this page may involve a second mortgage with payments that are forgiven, deferred, or subsidized in some manner until resale of the mortgaged property..
At TSAHC we believe that every Texan deserves the opportunity to live in safe, decent and affordable housing. Our programs target the housing needs of low-income families and other underserved populations in Texas who do not have acceptable housing options through conventional financial channels.
Fortunately, there are many first-time home buyer programs, grants, and down-payment assistance available. Here are 10 first-time homebuyer programs and grants you should apply for before buying a house. Speak to a lender and check current rates. 1. hud First Time Home Buyer Programs
May be combined with the Homes for Texas Heroes or Homes Sweet Texas Home down payment assistance programs. Applies to single-family homes, condos, townhouses and manufactured homes (some restrictions apply). Requirements. Must be a first-time homebuyer (defined as not having owned a home within the past three years)
Being a first time home buyer in today's market is overwhelming and exciting at the same. Due to the program's low down payment requirement, FHA loans mainly.. We are one of the few Texas mortgage lenders that originates a loan with.
How Much Of A Down Payment Do You Need For A House Buying a home requires a lot of planning, and it usually starts with saving for a down payment. Experts have long recommended putting down 20% of the purchase price up front, if you can afford.
The City of Baytown will grant eligible homebuyers with down payment and/ orclosing costs. The program provides up to 5% of the sales price toward the.
Down Payment Assistance Texas – First Time Home Buyer Texas – When you are obtaining a Down Payment Assistance Texas program, the home loan and Down Payment Assistance come together as one. Psssst.the Down Payment Assistance Texas programs doesn’t require you to be a First Time Home Buyer to qualify for the down payment assistance.
There are many down payment assistance programs available for “first-time” homebuyers. Do you know if you qualify for these programs?
TDHCA Down Payment Assistance: 30 year fixed FHA loan for first-time home buyers and folks who have not owned a home in the past 3 years. The assistance comes in the form of a 5% grant to help the home buyer with their down payment and closing costs.


Freddie Mac warned in financial filings Wednesday about four big risks it sees for home prices over the coming year. The company says to expect a further decline in home prices nationally before any sustained turnaround begins.
The chance of further home-price slippage, according to Freddie, stems from the following:
- our expectation for a significant increase in distressed sales, which include pre-foreclosure sales, foreclosure transfers and sales by financial institutions of their [bank-owned] properties, due in part to [the Obama administration's foreclosure alternatives program]. This reflects, in part, the substantial backlog of delinquent loans lenders developed over recent periods, due to various foreclosure suspensions and the implementation of HAMP. We expect many of these loans will transition to REO and be sold in 2010. This may cause prices to decline further as the market absorbs the additional supply of homes for sale.
- the April 2010 expiration of the federal homebuyer tax credit.
- our expectation that mortgage rates may increase in 2010, which will make it less affordable to buy a home....MORE
Thursday, May 6, 2010
"Why Freddie Mac Sees Home Prices Falling Later This Year"
From the Wall Street Journal's Developments blog:


text: This book is designed to use with candy corn candies. Give your students each a small bag of the candy to complete the pages with. I have created this book as a half sheet book with two of the same page on each sheet so that you can easily copy half of what you need, collate, and staple the edge, then cut them apart. This way minimizes the amount of work for you. I have also put the word "master" on the B&W sheets that you will copy. The word will not show up when you copy on your copy machine but will identify that sheet as your master to help you keep track of it. Simply print your original from your computer in color and you're ready to go. I have included a color and black & white version of this book for you to choose from.

domain: library


UK TSUNAMI experts have expressed doubts about the effectiveness of a proposed early warning system in the Indian Ocean.
Imperial College reader in earthquake hazards Dr Julian Bommer said the location and magnitude of this earthquake was easy to detect and analyse with existing monitoring equipment.
'What happened on Boxing Day was a failure of communication between scientists and the civil authorities, ' he said.
'An early warning is no use if there is no mechanism to disseminate it among populations under threat.' He added: 'Nobody should have died in Sri Lanka; there were several hours to evacuate threatened areas. Anything over 7.5 on the Richter scale on a subduction fault is almost certain to cause a dangerous tsunami, that's a conclusion that can be reached in minutes.' But members of the Association of South East Asian Nations agreed to set up the system at a meeting in Jakarta. Already countries from Germany to Thailand are queuing up to offer their services.
It has emerged that the Indian Ocean nations turned down a Japanese offer to set up an early warning system last June, mainly on the grounds that major tsunamis are exceedingly rare in the region.
The offer was made at a meeting of the UN's Intergovernmental Oceanographic Commission, which already oversees a warning system in the Pacific.
But the offer apparently did not include any funding for local disaster management schemes or warning systems.
Arup associate and Society of Earthquake & Civil Engineering Dynamics chairman Zygmunt Lubkowski also expressed doubts over such a warning system.
He said the millions of dollars needed to set up a system similar to that in the Pacific 'would be better spent on educating people on the dangers of tsunamis so they don't rush down the beach when the sea suddenly recedes'.
He added: 'Simple measures like siting all key facilities outside danger areas and providing basic protective structures like the Bangladesh monsoon shelters would be much more cost effective.' Ten tsunamis killed more than 4,000 people around the Pacific during the 1990s, so obtaining the necessary funding for an effective civil defence system is politically much easier.
It is also easier to maintain a high degree of preparedness when many warnings - as many as 75% - are followed by tsunamis only a few millimetres high.
British Geological Survey seismologist Brian Babtie pointed out that Indonesia, in particular, would gain little from any warning system.
'The subduction fault is as little as 200km offshore - warnings would be minutes rather than hours, ' he said (see below).
'There would be no time to carry out a detailed analysis of all the data and give a reliable prediction of the scale of the tsunami and the areas most under threat.'


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Finally it is done: all texts from the project "Degrowth in Movement(s)" to be published in English are now available online. Representatives from different social movements share their perspective on degrowth and illustrate commonalities, differences and points of critique. In Germany, last year's publication of the respective German texts, videos and pod casts marked the kick-start for an open dialogue between the participating movements in order to foster mutual learning and developing common strategies. The dialogue is still going on – urgently needed in times where the many alternatives to right-wing opposition to the status quo seem to lack visibility.
When I joined the organizing team of the Leipzig-Degrowth-Conference back in 2013, I was – quite naively – hoping that degrowth could become the one conceptual frame able to unite the many colourful and multifaceted movements for a deep social-ecological transformation. Didn't they all share the same values such as cooperation, solidarity, and communal self-determination and global ecological and social justice; in short: the good life for all paired with respect for the biosphere and other creatures? And wasn't breaking free from "growthism" or even capitalism a central precondition for the realization of these values? Wasn't the degrowth-movement itself open, colourful and diverse enough to become, theoretically and hypothetically at least, an umbrella for all these movements?
Very quickly, not least at the 2014 Degrowth-Conference in Leipzig itself, I had to learn that the variety of existing movements and alternatives is in sum even more colourful and diverse, and thus rightfully resists becoming reduced to a particular concept, as open and transformative it might be. This variety didn't keep them, however, from dreaming the same dream of a large social movement that can stand up to the capitalist mega-machine with all its destructive effects and make visible the large number of people that already wants to think society and economy anew.
And so I was not totally wrong: degrowth indeed seems to be a perspective or proposal that is or can become an integral part of other perspectives and social movements. And yet such integration can easily fail due to existing scepticisms, prejudices and misunderstandings about the different perspectives, assumptions, traditions, strategies and protagonists both within degrowth circles as well as within other social movements.
Between the poles of the various and multifaceted thematic threads on one hand and the aim to collaborate and become more visible on the other hand, Degrowth in Movement(s) gives room and opens up spaces for mutual understanding. This includes a thorough discussion of the said scepticisms, prejudices and misunderstandings as well as opening one's own perspective to the critical views of others. In order to facilitate this process, representatives from 19 different fields describe their work and history, their similarities and differences to others and possible alliances. From the solidarity economy to the refugee-movement, from unconditional basic income to climate justice, from care revolution to the trade unions – they all answer the following questions:
What is the key idea of your social movement or stream (most important critiques of the current system, central arguments, visions for alternatives), how did it develop historically and what theory of change is employed?
Who is part of the social movement, what do they do (social stratification, how and where are they organized; who are its protagonists, which groups, alliances etc. exist)?
How do you see the relationship between your social movement and degrowth and how can or should this relationship develop in the next few years? How is the relationship to other social movements? (Relationship means e.g. similarities, differences, conflicts, alliances etc.)
Which proposals does your movement have for the degrowth perspective? (What is missing, which areas are not taken into account adequately, what is underestimated, what themes, questions, problems are discussed one-sidedly, insufficiently or not at all?) Which proposals can the degrowth perspective offer to your movement?
Space for visions, suggestions or wishes, e.g.: From the perspective of your social movement and in relation to degrowth which opportunities do you see for the development of a strong common emancipatory social movement in the current political context (ongoing crises, emergence of right wing parties, post-democracy etc.?) What should a larger social movement look like for you to join?
What's most exciting about these texts is that they encourage a shift in perspective and the adoption of a broader view, regardless of whether one is already familiar with the discourses or entirely new to them. Thoughts like "true, one can also see it that way!" and "how interesting, this never came to my mind" or "yes, I need to bear that in mind in the future - I really had a blind spot" pop up and make you want to read, learn and discuss more.
In the face of unfettered globalization, the rise of right-wing movements around the globe and the dangers of climate catastrophe, it seems easier to imagine the end of the world than an end to capitalism, growth and domination. However, in recent years something new has emerged to counter what Mark Fisher has called “capitalist realism:” after decades on the defensive against neoliberalism, th...
On top of the ethical, environmental and epidemiological arguments, the animal liberation perspective can also provide an alternative historical view on growth. This article explores the historical connections between animal exploitation, growth and violence, and the lessons these offer for degrowth today. A previous article on this blog argued that degrowth should incorporate an eth...
Growth-critical authors and advocates of a post-growth society are often criticized on the grounds that some of their arguments appear open to appropriation by authoritarian nationalist and nativist racist forces. As such objections are often made in a polemical and overly generalised manner, often ultimately aiming to delegitimize growth-critical ideas as a whole, those being criticised often ...

domain: sociology


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Label: Rhythm Island Records - none • Format: CD Album • Country: Germany • Genre: Rock • Style: Surf, Art Rock, Psychobilly, Space Rock
Achtung Rakete - Achtung Rakete. I really like this CD! Achtung Rakete have a sound that mixes many influences and textures for a signature style, and when coupled with exceptional arranging, captivated me. Achtung Rakete are a wholly original band. These references are to help communicate the sound only, and not to imply particular influence. Deep Holz. Infectious and go-go cool, with modern tone and instrumentation.
The arrangement is rich with textures and interplay. It's quite an interesting blend of sounds. Shadow Beach. Surf Instrumental The keys play a surf beat and occasionally modulated weirdness, while guitar carries a tasteful combo run and delivers whammified surfability. Excellent drums and very supportive bass round out the sound.
Lots going on here keeping this easy melody vibrant with change. Oklahoma Liegt Am Meer. Spaghetti Western Instrumental An excellent spaghetti melody plays hauntingly in the distance as " Oklahoma Liegt Am Meer " opens, yielding to crisper and rounder close-up sound. Great drums and bass provide a superb platform for the wonderful leads to sail from.
Stinging whammy and adventurous arranging complete this fine track. Greetings From Kane Castalia - Yellow Magic Orchestra - Solid State Survivor. Surf Instrumental " Greetings From Kane De " is Oklahoma Liegt Am Meer - Achtung Rakete! - Achtung Rakete to traditional surf than any other track on this album. Reverb, lead-rhythm interplay, tuff drums, and walking surf bass.
Great rhythm, tremolo, and charm. Der Ritt Auf Dem Tsunami. Surf Instrumental " Der Ritt Auf Dem Tsunami " wears its grin like a badge of honor at times, and when double picked and whammied, it's a dangerous power surge. This is an Oklahoma Liegt Am Meer - Achtung Rakete!
- Achtung Rakete composition with a fine arrangement. Ojo Misiles. Much surfier, with superb drums and rich sound. Surf and Euro melody structures blend in delicate and engaging ways. Island imagery, a very friendly melody, and a fine arrangement.
It's quite Welcome Home - Lotte Lenya - Welcome Home that this has grown over the ensuing three years. El Chulo. Surf Instrumental " El Chulo " has a modern California surf sound and feel, with a fine melody line and layered guitar wizardry, which is enabled by a very strong rhythm track of guitar, bass, and drums. Rondo Venezuela. Surfabilly Instrumental The surfabilly rhythm and sound of " Rondo Venezuela " are really hard to dislike.
Epic bouncewhammy curl, and glissando charm in a California coastal jump. All fun and coolness. Menage A Tois. Surf Instrumental The imaginative giggle of the arrangement brings a grin to " Menage A Tois " as it unfolds.
Whammy, sunny sparkle, and delicate drama. Great drums, perfect bass lines, and wonderful interplay Rebel Rebel - Various - Italo Disco Mix guitar parts really capture you.
Surf Instrumental Tom toms and space wind, adventurous guitar chords, a Mermen -like melody line, and Neutrons -like keys create a fascinating ride. This is one of those tracks that really depends on the bass, and the drums here are very strong.
A touch of spaghetti a la The Insect Surfersand the picture is complete. Surf Instrumental The keys churn and the whammy chords tell of island sunsets. The juxtaposed periods is compelling. Imagine The Stranglers playing surf and you might hear this in your head. Too cool! Sartana's Last Stand. Surf Instrumental " Sartana's Last Stand " is soft and delicate, with lovely moodiness and flow.
Part way through, it accelerates and double picks for a more surfy sound. I found that it grew on me with repeated listenings. Pollo Fuck Art, Lets Rock - Young People With Faces - Untitled Mar fans will like this.
Punch In The Face - Captain Three Leg* - Coming Up Short (File), Arabesque - Young Fingers Get Burnt, Fair - Kellner - Kinda Wild, The Captain - Leonard Cohen - Various Positions, Cook Me - TC Matic - Compil Complet!

domain: entertainment


text:
→ BOILED POTATOES, FRESH CUCUMBERS, TOMATOES, LETTUCE (AS A SIDE DISH)
→ 500-600 G OF FISH (STURGEON OR STURGEON)
→ 1 TABLESPOON SOUR CREAM (15% FAT CONTENT)
→ 1 TABLESPOON VEGETABLE OIL
Prepared fish (see the article "Cutting fish") put a whole piece in a frying pan, add salt, grease with sour cream on top, brush with oil, pour 0.5 cups of water on the bottom of the pan and bake the fish in a hot oven at 180-200 degrees for 30-40 minutes. During baking, the fish should be poured several times with the juice released at the same time.
Cut the finished fish into portions, place on a warmed dish, pour the juice and serve with boiled potatoes. Separately, you can serve fresh cucumbers, tomatoes and green salad.

domain: food


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Hermetic Library fellow T Polyphilus reviews Songs of a Dead Dreamer and Grimscribe by Thomas Ligotti, foreword by Jeff VanderMeer.
This volume collects Thomas Ligotti’s first two books of short fiction: Songs of a Dead Dreamer (1985) and Grimscribe: His Life and Works (1991), with a new introduction by Jeff VanderMeer. These stories are all in the vein of supernatural horror, but with a distinctive tenor of pessimistic surrealism. VanderMeer notably compares Ligotti to Franz Kafka, Angela Carter, and David Lynch.
Songs of a Dead Dreamer is divided into three sections: “Dreams for Sleepwalkers,” “Dreams for Insomniacs,” and “Dreams for the Dead.” Each of these ends with a story which involves critical reflexivity regarding the horror genre: “Notes on the Writing of Horror: A Story,” “Professor Nobody’s Little Lectures on Horror,” and “Vastarien,” respectively. This first collection shows many of the tropes that Ligotti uses to communicate disquiet and the uncanny: puppets, masks, vegetable growth, insects, and others. The central section “Dreams for Insomniacs” has a few tales that work in well-defined weird subgenres, such as the Christmas ghost story of “The Christmas Eves of Aunt Elise,” the vampire story in “The Lost Art of Twilight,” and sword & sorcery in “Masquerade of a Dead Sword.”
“The Sect of the Idiot,” opening with a quote from The Necronomicon, shows Ligotti’s familiarity with the Lovecraftian corpus and its virtues, but is neither a pastiche nor an instance of Yog-Sothothery per se. More Lovecraftian in its overall texture is the longest Grimscribe story “The Feast of Harlequin,” which is overtly dedicated to HPL. The things that most tie Ligotti’s work to this predecessor are a preoccupation with dreams, a philosophical pessimism, and a general effort to portray the violation of metaphysical norms.
Ligotti’s occasional representations of contemporary occultism and secret societies are highly credible, despite the anti-naturalism of his style. He affords addictive tomes, obscure ceremony, and exotic drugs, often with libidinal contexts/subtexts. Like Lovecraft, he prefers his grimoires to be as invented as his characters, but he does show a familiarity with actual occult tradition by invoking Austin Osman Spare (in “In the Shadow of Another World”). The magic employed by sorcerers in these stories is sometimes grounded in powerful hypnotic suggestion.
The stories of Grimscribe are all told in the first person by unnamed narrators, and an introduction establishes the conceit that these are received texts, drawn from a pool of consciousness through an authorial function personified by Ligotti as “Grimscribe.” These are then grouped into “Voices” characterizing the specific narrators, such as “The Voice of the Demon” (culpable narrators) and “The Voice of the Child” (juvenile narrators). The final section “The Voice of Our Name” contains only the single story “The Shadow at the Bottom of the World.” This last tale seems especially suited to seasonal reading, for those who want an elegant text to instill horror into Hallowe’en observances.
I would be hard-pressed to select a favorite from this book. There is not a dud among the 33 stories assembled here. [via]

domain: artistic


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Photos by Jim Mimna
Listen To This Show While You Read
Thanks to Bennett Schwartz for Audio & Video that accompany this review!
The Scene: Red Rocks in September is an unpredictable place for the weather and it seems like shows go later and later into the Fall season each year. Furthur has embraced this trend and has made late September theirs; this year playing a 4-night run of shows. These shows proved the former members of the Grateful Dead are still stalwarts of an industry where you’re only as good as your last sold-out show or successful tour. As unpredictable as the weather can be, this audience has become anything but to those of us that have been seeing Dead related shows for all these years. The splatter of color from tie-dyes, the fingers held high to the sky near the gates in hopes of a miracle, or all the unique smells of food and fans alike in the lot are exactly what I expected to find myself surrounded by when I arrived. This unlikely mix of characters from so many different walks of life all come together to create the carnival-like atmosphere that has become a standard Dead family experience, or just another day at the office for Bobby, Phil, and company. Many bands’ fanbases have followed this model created by the Deadhead nation, but few do it as well.
Furthur: For me, this band is like an old love affair that won’t ever die even though the passion isn’t growing anymore. Instead, the passionate throws of my past with this music is more about who I am as person now than how it will influence who I will become, like it once did. These days, age and wisdom have replaced that passion with appreciation for this grand trip the Grateful Dead family has taken me on and the lessons I learned along the way. Experience tells me how fleeting this all was and how lucky I am to have taken the ride because this trip will never happen again, not like that. So, given all this personal history, you will understand if my perspective coming into this show was slightly negative, like a jealous lover with low expectations of a roll in the hay for old times’ sake.
Given that the band just announced a hiatus from touring in 2014, Furthur fans put a bit more weight on these shows given the unknown nature of things to come. I was expecting a tired band ready for some rest given this news, but I was wrong. From the first note of Weir’s piercing guitar tone, I was sent a message: this group of veterans was here to play! “Hell in a Bucket” was a great opener that got folks up and dancing immediately and I don’t think they sat down until setbreak. “Ship of Fools” proved to have a sharp lead vocal by John K. and nice harmonies by all in the chorus; fruits of the relentless touring these guys have done together the last 4 years I guess. As the set progressed, the biggest standout individual for me was Joe Russo. His dynamic drumming blended some of the core beats Bill Kreutzmann fathered decades ago mixed perfectly with the rhythmic wall to wall style of Mickey Hart. He was all the drums I could have wished for and seemingly drove Phil to play some of the grooviest bass playing I have heard from him since The Dead played their epic 5-day run on the very same stage in 2004. Joe Russo is the goods, folks. The set ended on a show-ending worthy run of songs that started with “Wharf Rat” and segued nicely into a “Throwin’ Stones > Not Fade Away” combo that left everyone smiling ear to ear at setbreak.
As set two unfolded, my low expectations reared their ugly head as soon as I heard that familiar riff that signaled it would be “Truckin'” to start us off. “A song I have heard too many times,” I thought to myself. Negativity be damned, the subtle changes in arrangement caught my attention immediately and were quickly overwhelmed by the level of jamming that ensued. I was even impressed with Bob Weir’s guitar work on this one as he virtually stole the lead while never straying from his place in the song; this was refreshing. The whole set was jamtacular with highlights being the funky bass lines on “St. Stephen” followed by the most psychedelic “Bird Song” I have ever heard. The “Scarlet > Fire” was a nice touch and won me over fully, setting me up for the best “Viola Lee Blues” I have heard in a decade or more. As a whole, the show was very well played, energetic, and fun as hell. The “Attics of My Life” was the perfect comedown encore, leaving the fans with a nice full pallet to tide them over till they communed again the next day.
Setlist – Furthur – Friday, September 20th 2013 – Red Rocks Amphitheatre
Set 1: Jam > Hell In A Bucket, Ship of Fools, Looks Like Rain, Pride of Cucamonga, Wharf Rat > Throwin’ Stones > Not Fade Away
Set 2: Jam > Truckin’ > New Potato Caboose > St. Stephen > Bird Song, Scarlet Begonias > Fire On the Mountain, Death Don’t Have No Mercy > Viola Lee Blues > Touch of Grey
Encore: Donor Rap, Attics of My Life
Stage Presence: B
Set/Light show: C


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122. As the already seen, the fresh findings from the fresh new Legal need to be construed and comprehend to support new ratio decidendi of your wisdom. Findings from inside the a judgment which can be stared through to because of the judgment out of a more impressive bench wouldn’t compose good precedent because might be hit by the d Mills (supra) surely the brand new Workbench didn’t plan to lay-down the law otherwise state a proposal that’s directly in dispute on judgment of your own Constitution Counter in the Court in case from SBP Co. (supra).
New appellant had in addition to recorded a software not as much as Part 8 out-of the fresh new 1996 Act to possess regard to arbitration
123. I have need not differ toward class carved aside when it comes to National Insurance Co. (supra) because it’s very much during the compliance for the judgment away from new Structure Counter regarding SBP (supra). Practical question one to follows throughout the over conversation can be as so you can whether the viewpoints submitted from the official discussion board at the threshold could be final and binding for the events otherwise perform it create the fresh new prima-facie check. Which once more could have been a question of certain discussion until then Judge. A beneficial about three Legal Workbench associated with Judge regarding Shin-Etsu Toxins Co. Ltd. v. M/s. Aksh Optifibre Ltd. Anr. [(2005) 7 SCC 234] are writing about a loan application for site under Point forty-five from brand new 1996 Operate and therefore, devotion out-of validity out-of arbitration arrangement which contained the brand new arbitration condition ruled of the ICC Rules in the Tokyo, Japan. The fresh appellant until then Legal got ended the brand new contract in this situation. The respondent registered a suit claiming an excellent decree from statement and injunction resistant to the appellant to own termination of one’s agreement and that contains the new arbitration clause. Because really fit, the brand new appellant including prayed this long haul sales and purchase contract, including the fresh new arbitration clause getting declared gap ab initio, inoperative and not able to are performed on to the floor your said contract contained unconscionable, unfair and you can unreasonable terms; is facing public coverage and you may is actually registered into the less than undue determine. Some debate emerged before Demonstration Legal and additionally ahead of the latest Highest Court as to whether the software was one less than Area 8 otherwise Section 45 but once the condition emerged until then Legal, the latest the advice lookin for the activities correctly took the fresh new remain you to merely Area forty five is https://datingranking.net/facebook-dating-review/ applicable and you may Point 8 had no software. In this instance, the fresh new Legal are mostly alarmed and you can dwelled abreast of issue if an order declining mention of the arbitration is appealable not as much as Area 50 of your own 1996 Operate and what can getting the impression.
124. We are really not really concerned with the new merits of these instance but undoubtedly are expected to deal with the fresh minimal concern whether the conclusions registered because of the referring Courtroom are away from last character, otherwise are just prima-facie meaning that, able to be re-adjudicated by arbitral tribunal. Where in actuality the Court records a finding that the newest agreement that has had the fresh arbitration clause or the arbitration clause is actually null and you can void, inoperative or struggling to becoming did on deserves of instance, it could decline the new resource. Then your route from courtroom remedy accessible to the newest party up against just who the new reference could have been declined is to try to bring recourse to a destination lower than Part fifty(1)(a) of 1996 Act. The new Arbitral Tribunal in such items does not send any dedication to the things in case. But not, when the the latest it comes Judge works together for example an question and yields a discovering that objections to resource weren’t tenable, for this reason rejecting, the newest plea on deserves, then your material arises as to whether the arbitral tribunal is re-take a look at issue of agreement being null and you will gap, inoperative or incapable of performance, again. Sabharwal, J., immediately following deliberating through to the fresh tips various process of law under the English and Western court assistance, reported that both the steps has actually their pros and cons. The latest method which the fresh new courts eventually try for merits into the family members toward issue of lifestyle and you may authenticity of your arbitration contract carry out lead to an enormous the quantity to avoid delay and you may increased rates. It would not with the activities to go to for weeks or age just before knowing the finally outcome of the newest conflicts away from jurisdiction alone.

domain: law


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A Qachaâ€™s Nek born and raised multitalented artiste and DJ, Lerotholi Phatela, known by his stage name El Patel is bringing his one man show, the first of its kind by any DJ in Lesotho.
The event will be held at Backyard@Lynors in Khubetsoana, Maseru on Sunday May 2, 2021.
In an interview with Newsday Arts El Patel said he thought of the show when he realised that he was not really known by as many people as he would have like to, and believes this show would put his name out there.
El Patel started DJing back in 2017 shortly after he stooped rapping.
â€œI have been a DJ for a while now and I realised that some people know me, but they are not aware that I am actually a DJ, and a good one for that matter. So, I thought the one man show would be a perfect way to re-introduce myself,â€ the artiste said.
He indicated that during the show, he would be playing different genres for eight hours straight, while in between, there would be some performances featured by some of the countryâ€™s most talented musicians.
The DJ mentioned that he decided to have on the line up, Lemeke Oa Mochini who recently dropped an album titled Moshemane Oa Holibona, Nthabiseng who has also just dropped an album titled Mocholoko, Lu Srenk as well as Snizz all whom he says have been working hard and staying relevant despite the harsh challenges brought by Covid-19.
â€œI decided to feature those performers because of their work despite the challenges of Covid-19, and if you look at them, they have been dropping music or full projects despite the challenges that we have,â€ he said.
He stated that the aim of the show is to give people a taste of who El Patel is musically, the type of music he can play and his ability to create different moods.
El Patel added that his has a dream to see this being a quarterly event that would spread throughout the entire country.
â€œMy dream is to have the event as a quarterly revelry and to see it being hosted throughout the whole country, maybe doing district tours collaborating with artists from those districts as well,â€ he said.
The Elevate hit maker is not just a club DJ but also does music compilations and promotes a lot of upcoming musicians having established himself as one of the first DJs in Lesotho to play sets that consists mostly of local songs.
On the event he is working with his manger and is also partnering with the venue hosting the events.


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Hungary’s right-wing Prime Minister Viktor Orban has claimed a landslide victory in Sunday’s general election.
The 54-year-old will serve a third consecutive term in office, with his party Fidesz projected to keep its key two-thirds majority in parliament.
Fidesz won almost half of the vote, with 93% of ballots counted, Hungary’s National Election Office said.
Mr. Orban is a strong Eurosceptic who campaigned on an anti-immigration platform.
In a speech to supporters on Sunday night, Mr. Orban said his victory gave Hungarians “the opportunity to defend themselves and to defend Hungary”.
According to BBC News, leaders of the second and third-placed parties have resigned in light of the result.

domain: politics


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Does not need to be polished after applied to achive luster, ideal for beginners.
NOTE:Although Urushi contains a compound that can cause a reaction similar to poison ivy, proper handling (gloves and long-sleeve shirt), and working in a well-ventilated area will prevent an allergic reaction. Urushi is a natural material and does not contain toxic chemical additives.
As of Summer 2020
|2,800 jpy||3,000 --3,500 jpy||3,000 to 4,000 jpy||3,000 to 6,500 jpy|
--COST UP TO 7 100G TUBES--
** AUSTRALIAN customers: If your shipping address is NOT listed in the DHL's "Remote Area" list (https://bit.ly/2YbEIo3), your shipping charge is mostly 3,000 jpy.

domain: chemistry


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This configuration of the AAPrep2 accessory consists of a 2DX-FAS autosampler and two peristaltic pumps. It provides the ability to:
- Mechanically pump the sample during injection
- Optimize nebulizer and flame conditions
- Eliminate variability due to changes in sample viscosity, dissolved solids and tubing length
- Ensure long-term sample flow stability
The in-line dilution capability allows you to create a single intermediate standard and then the AAPrep2 accessory to automatically generate all calibration standards in-line, as required. In addition, AAPrep2 can be set to identify over-range samples and then utilize the in-line dilution capability to automatically re-run a sample that falls outside the calibration range at an increased dilution factor to bring the signal within the calibration and provide accurate measurement along with a passed QC check.
The AAPrep2 accessory provides in-line dilution and auto-calibration from a single standard solution. The total flow rate delivered by the two peristaltic pumps is constant, but the ratio of the two flows is automatically varied to dilute samples or to build a calibration curve by dilution of a single standard solution, delivering accurate and consistent results.


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NEW DELHI: Congress
leader Priyanka Gandhi Vadra
on Thursday said that Uttar Pradesh residents, who live and work in other parts of the country, have suffered the maximum at the hands of the state administration
during the lockdown.
"UP has faced the maximum brunt of heart-rending scenes of migrant labourers returning home. People are now being quarantined in inhuman conditions and sprayed with insecticides. Instead of supporting those returning home, police and administration in UP are beating them up and roughing them up," Vadra said.
"Our workers have assisted the labourers with food and medicines. Also, testing for COVID-19 remains the key to prevent it," she said.
Earlier today, Congress leader Rahul Gandhi
on Thursday asked fellow party members to act as 'watchdogs' to ensure that the interests of the poor and vulnerable section of the society are protected during the lockdown imposed to prevent the spread of coronavirus
in the country.
"Congress workers need to help people, soften the blow and assist in every manner possible. Also, let us take the message that we need to take special care of our senior citizens and elders," he added.
The party leader said that the country should be prepared for the economic devastation that could follow the COVID-19 pandemic

domain: news


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The Nasdaq rose on Wednesday for the 11th straight day, buoyed by solid profits from Apple Inc
The Dow Jones industrial average declined, halting a seven-day winning streak, as investors sold some of the market's recent winners to take profits, and the S&P 500 index ended near break-even.
Apple, up 3.5 percent at $156.74, gave the top boost to the Nasdaq a day after the iPod and iPhone maker reported a quarterly profit that beat forecasts. Starbucks, up 18.4 percent at $17.39, ranked as the Nasdaq's second-biggest gainer, after its quarterly profit also beat estimates.
Their advance helped extend the Nasdaq's winning streak -- now the longest such stretch since September 1996. Technology bellwether Apple and coffee chain Starbucks are among stocks that investors use as barometers of consumer spending trends.
After the bell, Internet auctioneer eBay Inc
Today's action is a relative positive in that you had some earnings come out that were good, but we are actually near the top of the range, said Richard Sparks, senior equities analyst at Schaeffer's Investment Research in Cincinnati.
There's a kind of a pause until we get more news on both the earnings and the economic front.
The Dow Jones industrial average <.DJI> shed 34.68 points, or 0.39 percent, to 8,881.26. The Standard & Poor's 500 Index <.SPX> dipped just 0.51 of a point, or 0.05 percent, to 954.07. But the Nasdaq Composite Index <.IXIC> gained 10.18 points, or 0.53 percent, to 1,926.38.
The S&P 500 briefly hit a 2009 intraday high of 959.83.
For the year, the Nasdaq is up 22 percent.
WELLS FARGO OFF TRACK
But both the S&P and the Dow industrials were reined in by
disappointing results from banks, including Wells Fargo & Co
Bank of New York Mellon
Profit-taking in some of the market's recent winners, including Coca-Cola Co
On the energy front, shares of Exxon Mobil Corp
But strong profits from NVR Inc
QUALCOMM SLIDES LATE
In other earnings news after the bell, chip maker Qualcomm Inc
Qualcomm's stock, which had risen sharply in the last week, fell 4 percent after the news in extended trading. Qualcomm shares ended regular Nasdaq trading at $48.45, up 1 percent before the quarterly results.
Federal Reserve Chairman Ben Bernanke reiterated in testimony to the Senate Banking Committee on Wednesday that the U.S. economic outlook is improving, but that supportive policies would be necessary for a while to prevent rising joblessness from sapping the recovery.
Volume was moderate on the New York Stock Exchange, with 1.08 billion shares changing hands, below last year's estimated daily average of 1.49 billion. On the Nasdaq, about 2.38 billion shares traded, above last year's daily average of 2.28 billion.
Advancing stocks outnumbered declining ones on the NYSE by a ratio of about 4 to 3, while on the Nasdaq, about eight stocks rose for every five that fell.
(Editing by Jan Paschal)


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A new study has used genomic sequencing for the first time to redefine the regions of the small intestine. This comes from a consortium of researchers based at Cedars-Sinai, the University of California, San Francisco (UCSF), Harvard University, and the Weizmann Institute of Science in Israel.
The scientists conducted a study to determine where individual nutrients are absorbed in the small intestine. From this the researchers identified the molecular markers that define five distinct intestinal regions.
The human small intestine measures more than 20 feet long and it represents an important area for medical study. Scientists have long sought to understand the biological patterns along the length of the small intestine that allow it to function efficiently.
The organ is divided into three portions: the duodenum, the jejunum and the ileum. These areas have served as the common basis of scientific knowledge. Instead the investigators defined five regions within the mouse and human small intestine, distinct from the three that scientists had previously described. Hence, this study questions the suitability of these regions and instead presents a new regional organization of the intestine.
The molecular data has enabled scientists to better understand the cellular and molecular processes that occur in the small intestine and what goes wrong in gastrointestinal diseases. It is of particular medical importance that each of the five domains is associated with different aspects of nutrient absorption, and each exhibits distinct responses to changes in diet.
The investigators examined 30 portions of the small intestine in multiple species. This allowed for a view of intestinal geography. The investigators also used genomic sequencing technology to determine the precise locations where genes involved in nutrient absorption were expressed along the length of the small intestine.
In particular, different cellular ‘neighbourhoods’ have been located within the small intestine and these execute different intestinal functions. Furthermore, the differences account for different gastrointestinal diseases and the likelihood of individuals developing such pathologies.
Diseases of interest include intestinal cancers, ileitis [a type of inflammatory bowel disease], and celiac disease. To gain insights, the investigators generated a predictive model of key factors that may maintain regional expression of nutrient absorption genes.
It is hoped the study will lead to technological advances in regenerative medicine by providing information that can be used to regenerate regional nutrient absorption in portions of the intestine damaged by bowel resection surgeries and disease.
The results appear in the journal Nature Cell Biology, with the research paper titled “Epithelial zonation along the mouse and human small intestine defines five discrete metabolic domains.”

domain: medical


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