September 20, 2021
  • 10:13 am Bank of Ireland sees losses surge
  • 10:13 am Retail sales up faster than forecast
  • 10:12 am Investors attack Mecom
  • 10:12 am Hedge funds lost out in August after stocks fell
  • 10:10 am Diageo says Europe is weak

first_imgHome » News » Housing Market » Mortgages at their most affordable for 10 years, says Halifax previous nextHousing MarketMortgages at their most affordable for 10 years, says HalifaxHalifax announces best home loan affordability for a decade, with borrowers spending less than a third of their disposable income on mortgage payments.The Negotiator20th March 20180924 Views The latest research from Halifax shows mortgages are at their most affordable for a decade, when expressed as a percentage of disposable income spent on repayments. A homeowner’s typical mortgage repayment in Q4 of 2017 accounted for 29% of their disposable income, a vast drop when compared to Q3 in 2007, when the figure was 48%.Halifax says the improved affordability stems from historically low interest and mortgage rates, despite a base rate increase in November 2017.Andy Bickers, Mortgage Director at Halifax, says mortgage affordability should provide a boost to first-time buyers and those trading up, giving pace to the modest market recovery that’s currently taking place: “In recent months we have seen the number of first-time buyers and home movers purchasing a home with a mortgage bounce back towards 2007 levels, and mortgage payments becoming a much smaller proportion of disposable income across most of the country will also support a healthy market with more choice and opportunity.”In recent months we have seen the number of first-time buyers and home movers purchasing a home with a mortgage bounce back towards 2007 levels.”Halifax registered wide-ranging regional differences during its research. Northern Ireland leads the way in affordability, with 19% of disposable income spent on repayments – attributed to a 44% drop in house prices there since 2007. In England, South Bucks posted the most drastic improvement in affordability, with the percentage of disposable income spent on repayments falling from 93% to 53%. Brent (61.1%) and Haringey (60.5%) in London were the least affordable areas in an unsurprising split, with the 10 most affordable places in Northern Britain and the 10 least affordable in the South.Although 10 year mortgage affordability has improved, Halifax comments that affordability over the last five years has actually worsened due to house price rises. While the average mortgage rate has fallen from 3.7% in 2012 to 1.98% at the end of 2017, average house prices have grown by 40% in the same period. Halifax mortgages Halifax home loans mortgage lending Andy Bickers March 20, 2018Chris SmedleyWhat’s your opinion? Cancel replyYou must be logged in to post a comment.Please note: This is a site for professional discussion. Comments will carry your full name and company.This site uses Akismet to reduce spam. Learn how your comment data is processed.Related articles Letting agent fined £11,500 over unlicenced rent-to-rent HMO3rd May 2021 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021last_img read more

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first_imgWarren acknowledged in her video that she’s had differences with Biden over the years but said he’d always been respectful of her views and even willing to adopt new policies if the argument is persuasive enough.“When you disagree, he’ll listen — not just listen, but really hear you. And treat you with respect, no matter where you’re coming from,” she said. “And he has shown throughout this campaign that when you come up with new facts or a good argument, he’s not too afraid or too proud to be persuaded.”Soon after Warren dropped out of the race last month, Biden adopted her bankruptcy plan. It was a sign of goodwill in a dispute between the two that dates back to 2005, when Warren, then a Harvard Law School professor, battled the then-Delaware senator, who was opposed to some of the reforms that she was advocating.Warren said Biden mentioned the fight when he swore her into the Senate, telling her: “You gave me hell! And you’re gonna do a great job.”That, she said, is “the thing about Joe: he wants you in the fight with him. And when you’re in the fight with Joe at your side, you know you have a partner who’s committed to getting something good done for this country.”Senators Tammy Baldwin of Wisconsin, and Debbie Stabenow and Gary Peters, both of Wisconsin, also endorsed Biden Wednesday.Topics : Elizabeth Warren endorsed Joe Biden on Wednesday, becoming the final major former 2020 Democratic presidential hopeful to back the party’s presumptive nominee.“He knows that a government run with integrity, competence and heart will save lives and save livelihoods,” the Massachusetts senator said in an endorsement video. “And we can’t afford to let Donald Trump continue to endanger the lives and livelihoods of every American.”After Vermont Senator Bernie Sanders, Warren was considered the most progressive of the 2020 Democratic presidential candidates. Her announcement came the same week the Biden campaign rolled out two other big-ticket endorsements: Sanders and former President Barack Obama.last_img read more

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first_imgRelatedPosts China waste treatment plant fined $16m for dumping untreated waste Premier League terminates China broadcast contract Why we borrow — Minister Ahead of Sunday’s final game against host China, D’Tigers Head Coach, Alex Nwora, has noted that grinding out a win is achievable but will not come easy. With just one more win standing between the team and an automatic 2020 Tokyo Olympics qualification, Nwora said picking the maximum win against China is non-negotiable. He said: “We have to roll up our sleeves and fight. China is a very good team and well coached and playing in front of their home crowd. It’s going to be a very good test for us.” He described his team as a balanced one declining to tip any player for the demolition job against China on Sunday. Nwora said: “I know that we have the experience, the skill set and talent to compete with anybody. We have a lot of talents on the team. “Looking at the 12 guys on the roster, they can all play. “One day, some guys will step up while on some other days, it will be different set of players. “We are running a system that will allow everybody to be efficient.” Nwora waved away any form of pressure playing against China saying the Olympics ticket is just enough motivation for his team in their last game at the World Cup. He said: “It means a lot because you know we have already fallen short of our goal of moving forward in the medal table, we are here now, fighting to make sure that we get a ticket from here to the Olympics. “It is just a consolation for us to qualify from here to the Olympics.” Nigeria and Tunisia are the two teams left in the race for the sole ticket for Africa with one match to go. Enjoying a superior point difference, Nigeria has held on to the top spot ahead while the 2017 Afrobasket winner, Tunisia are closely behind on the second spot with inferior points difference. A win against China will ensure D’Tigers’ return to Asia in the summer of 2020 for the Olympics.Tags: 2020 Tokyo OlympicsAlex NworaChinaD’Tigerslast_img read more

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first_imgLeicester City striker Jamie Vardy set a new Premier League record for scoring in consecutive matches, but a 1-1 draw at home to Manchester United meant they relinquished top spot in the table to Manchester City on goal difference. Leicester took the lead in the 24th minute as Vardy scored for the 11th consecutive match, taking him past the record previously set by United striker Ruud van Nistelrooy.Christian Fuchs played a superb ball down the line and into the box for the onrushing Vardy, who broke the offside trap and fired past David De Gea.United equalised in first-half injury time, Bastian Schweinsteiger heading home a Daley Blind corner.Leicester had the best chance to win the game after the break, but Leonardo Ulloa shot straight a De Gea after he had worked a great opening in the box. Manchester City got back to winning ways as they defeated Southampton 3-1 at the Etihad Stadium.City, who had recorded one draw and two defeats in their last three games in all competitions, took the lead on nine minutes when Kevin De Bruyne was presented with the simplest of finishes following good work from Raheem Sterling.They doubled their advantage when Fabian Delph, making his first Premier League start, sent a deflected shot past Saints keeper Maarten Stekelenburg.Southampton did not give up the fight, though, and after Virgil van Dijk sent a shot against the woodwork in the first half, Shane Long pulled one back with a header on 50 minutes.Dusan Tadic might have equalised for Saints but his chipped effort was clawed away by Willy Caballero in the City goal, and Long saw his shot blocked from the follow-up. The hosts then restored their two-goal cushion after De Bruyne set up Aleksandar Kolarov for a fine goal on 70 minutes.There was bad news for City as striker Sergio Aguero had to leave the field with an injury, but David Silva made his return as a late substitute.Bournemouth salvaged a point in a 3-3 thriller with Everton at Dean Court.Everton dominated in the early stages from the off and got their reward on 25 minutes when Ramiro Funes Mori powered home a header from a Ross Barkley corner. Gerard Deulofeu then provided a superb pass to set up Romelu Lukaku, who controlled neatly before hammering into the net for 2-0.Bournemouth, though, hit back late on, with Adam Smith smashing a shot into the far corner on 80 minutes before Junior Stanislas smashed home an equaliser.After Charlie Daniels had passed up a golden chance for Bournemouth in injury time, Barkley looked to have snatched it when he was able to turn in the box and squeeze a shot home in the 95th minute.However, the Cherries still had time to level as Stanislas powered home a header to secure a share of the spoils. Crystal Palace came from behind to beat Newcastle United as manager Alan Pardew secured a 5-1 victory over his former club.Papiss Cisse headed home the opener on 10 minutes from Daryl Janmaat, but Palace were soon level when James McArthur’s shot found the net via a deflection from Paul Dummett.Connor Wickham, who played a key role in the equaliser, was heavily involved again when the Eagles took the lead shortly afterwards, setting up Yannick Bolasie to rifle home at the far post.Wilfried Zaha then increased Palace’s lead, volleying home from Wickham’s cross, on 41 minutes.Bolasie added a fourth soon after the restart and McArthur completed his brace in injury time. The defeat leaves Steve McClaren under pressure as Newcastle dropped back into the relegation zone.Sunderland moved out of the drop zone as they scored two late goals to see off 10-man Stoke City 2-0.Jonathan Walters had the best chance of the first half but was denied by Sunderland keeper Costel Pantilimon, while Sunderland saw striker Jermain Defoe substituted through injury.Stoke saw Ryan Shawcross sent off at the start of the second half when the centre-back collected a second booking, and Sunderland were able to seize the advantage. Patrick van Aanholt broke the deadlock on 81 minutes following a free kick, and Duncan Watmore — who replaced Defoe — made the points certain from DeAndre Yedlin’s throw-in.Aston Villa boss Remi Garde is still searching for his first victory after a 3-2 defeat at home to Watford.Odion Ighalo opened the scoring when he pounced on the loose ball after Ben Watson’s shot had deflected into his path in front of goal.Villa hit back through Micah Richards, who headed home from Jordan Veretout’s free kick just before the break.Watford, who saw goalkeeper Heurelho Gomes stretchered off in the second half, restored their lead on 69 minutes when Alan Hutton diverted the ball into his own net from a Troy Deeney throughball.It seemed to be game over when Deeney made it 3-1 late on, and while Jordan Ayew gave Villa hope when he curled home on 90 minutes, they could not summon a third goal and Garde’s men were booed off after a defeat that leaves them remain firmly rooted to the foot of the table.–This game was live on SuperSport, your world of champions.last_img read more

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first_imgWhen Grand Forks head coach and GM Nick Deschenes dealt most of the team assets to contenders prior to the B.C. Hockey roster deadline in mid-January critics pounced on the Bruins skipper like vultures on road kill.The vultures were even more critical of Deschenes after the Bruins were first pounded 11-0 by Murdoch Division power Castlegar Rebels and 15-zip by the defending Kootenay International Junior Hockey League champion Beaver Valley Nitehawks following the deals.But Deschenes may have the last laugh as the hard-working Bruins — which ice one of the youngest rosters in the entire league — have been anything but a pushover of late.Unbelievers need only ask the top two teams in the KIJHL as Castlegar needed a late Jamie Vlanich goal to squeak out a 2-1 win over Grand Forks and Nelson had to rally past Grand Forks for a 4-2 decision Saturday at the NDCC Arena.“This is a developmental league, and even if it means moving a player within the league, sometimes making a trade allows the player to play more games or play in a better situation which can only further their career,” Deschenes recently told The Nelson Daily.“I told our players whether it’s Junior A or Junior B, they’re going to get that chance.”The fire sale started when the 7-35-0-3 Bruins struck a deal with the Nelson Leafs over the Christmas break for Connor Gross, who just happened to be the Bruins leading scorer at the time.Luke Jones and Connor Kidd followed in another deal with the Creston Valley Thunder Cats. Deschenes attempted to deal two other Bruins but those players decided to remain with the Bruins.“For me my job here in Grand Forks is player development,” said Deschenes, who got a late start on recruiting after accepting his current position in August.“I’m committed to these guys here in this dressing room and want nothing but the best for them.”The commitment is starting to pay off as, even though Grand Forks is well out of the playoff race, the team has been playing some of its best hockey of the season.“Whenever your facing adversity there’s always the opportunity to better yourself and this year for us has been one learning experience after another,” Deschenes explained.“Now we’re severe underdogs in these games so now how do we respond . . . how do we play.”The Bruins, fifth in the Murdoch Division and long since been eliminated from the post-season, have seven games remaining in the regular season.Since the roster deadline Deschenes has been able to assess affiliate call-ups as well as allow the remaining Bruins the chance to gain quality ice time filling roles created by the trades.The strategy appears to be working as the Bruins continue to be a dangerous team to play against down the stretch.“We’re not in the business to hold guys back and understand there may come certain repercussions,” Deschenes said.Which is something the vultures can chew on for the remainder of the season.last_img read more

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first_imgThe University of the West Indies has named Desmond Tutu the recipient of its Luminary Award. His daughter, Reverend Canon Mpho Tutu van Furth, received the award on his behalf, at an award gala in Toronto.Mpho Tutu van Furth, daughter of Desmond Tutu, centre, with Senator Murray Sinclair, left, and Immigration Minister Ahmed Hussen at the University of the West Indies annual benefit gala in Toronto on 1 April 2017. Van Furth accepted the Luminary Award on her father’s behalf. (Image: Nicholas Keung, via UWI Gala)Brand South Africa reporterThe University of the West Indies (UWI) has honoured Desmond Mpilo Tutu, the retired Archbishop Emeritus of Cape Town, with its Luminary Award.The ceremony took place during the university’s Toronto Benefit Gala at The Ritz-Carlton in Toronto, Canada.The award is given to people with a Caribbean heritage who have achieved outstanding feats internationally, or people who have brought prominence to the Caribbean or to issues that affect the region.Tutu’s daughter, Reverend Canon Mpho Tutu van Furth, travelled to Canada to receive the award on 1 April on behalf of her father.Her father was honoured to continue his strong ties with Canada, she said at the ceremony. “He has this particular fondness for Canada since the 1980s at the height of the apartheid regime. Canada’s support was incredible and the welcome was amazing,” she said.Second time aroundThe university first recognised Tutu for his accomplishments in 1986 when he received an honorary degree.He has been described as having a strong passion for social justices and activism. Tutu became South Africa’s first black archbishop of the Anglican Church and served as the chairman of the Truth and Reconciliation Commission.“He has also used his high-profile position to campaign, globally, for poverty, HIV/Aids, racism, sexism, homophobia, transphobia, and land rights,” said the university.Tutu has been honoured with other globally respected awards, including the Nobel Peace Prize in 1984, the Gandhi Peace Prize, and the Presidential Medal of Freedom from the US.Other recipientsTutu was not the only recipient at the gala. Other honourees included neurosurgeon Dr Renn Holness, businesswoman and retired diplomat Kay McConney, entrepreneur and philanthropist Wayne Purboo, cardiologist and community activist Dr Vivian Rambihar, Ontario Court of Appeal Justice Michael Tulloch and GraceKennedy Limited, one of the Caribbean’s largest food and finance companies.Source: UWI Toronto GalaWould you like to use this article in your publication or on your website? See Using Brand South Africa material.last_img read more

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first_imgTS Kammuri to enter PAR possibly a day after SEA Games opening View comments LATEST STORIES PH underwater hockey team aims to make waves in SEA Games PLAY LIST 02:42PH underwater hockey team aims to make waves in SEA Games01:44Philippines marks anniversary of massacre with calls for justice01:19Fire erupts in Barangay Tatalon in Quezon City01:07Trump talks impeachment while meeting NCAA athletes02:49World-class track facilities installed at NCC for SEA Games02:11Trump awards medals to Jon Voight, Alison Krauss LOOK: Joyce Pring goes public with engagement to Juancho Triviño Tots Carlos, Nicole Magsarile and Maristela Layug powered the Lady Maroons, who fittingly raised the Dominic Sytin trophy named after their late benefactor, who was slain early this month.Carlos scored 17 points, while Magsarile and Layug had 11 and 10, respectively for UP, which recovered from a lethargic second set to bag the title.Sports Related Videospowered by AdSparcRead Next The entire Petron bench and its followers at Filoil Flying V Centre erupted in celebration as an F2 serve went long at match point and Petron wrapped up a second title this season.“The team really worked very hard in practices and they showed how much they want to win,” said Petron coach Shaq delos Santos. “We almost swept the conference but we know eventually teams will try to stop us.”FEATURED STORIESSPORTSPrivate companies step in to help SEA Games hostingSPORTSSEA Games: Biñan football stadium stands out in preparedness, completionSPORTSUrgent reply from Philippine ‍football chiefOverall, Petron just lost one match—Game 2 of the finals—all tournament before claiming its third AFC title.Meanwhile, University of the Philippines bested University of Santo Tomas, 25-21, 16-25, 25-23, 25-19, earlier to capture the inaugural Collegiate Grand Slam. Don’t miss out on the latest news and information. MOST READ Hotel management clarifies SEAG footballers’ kikiam breakfast issue Is Luis Manzano planning to propose to Jessy Mendiola? Private companies step in to help SEA Games hosting SEA Games: Biñan football stadium stands out in preparedness, completion Lacson: 2019 budget delay due to P75-B House ‘insertion’ SEA Games: Biñan football stadium stands out in preparedness, completion Photo by Tristan Tamayo/INQUIRER.netPetron displayed the type of game that made it the most dominant team in the league, blasting F2 Logistics in straight sets for the Philippine Superliga All-Filipino Conference championship Thursday night.Denied of a tournament sweep, Petron attacked from all corners to post a 25-22, 26-24, 25-23 triumph for its fifth conference title in the league.ADVERTISEMENT Playing both Santa and the Grinchlast_img read more

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first_imgAlabama vs. USC promo.USC.USC has decided to troll Alabama ahead of its season-opening game against the No. 1 team in the country. It’s a bold move.The Trojans are selling “Roll Tears Roll” shirts in their bookstore in anticipation of the non-conference tilt against the Crimson Tide.Here’s the shirt:The USC Bookstore decided it was a good idea to troll Alabama. https://t.co/NqabqBrgTJ pic.twitter.com/EwZW8DAteI— Kyle Bonagura (@BonaguraESPN) August 18, 2016From ESPN:The USC Bookstore — the actual bookstore, not a group of students — didn’t learn from their mistake.On sale, both online and in person, in anticipation of USC’s Sept. 3 opener in Arlington, Texas, against defending national champion Alabama, are cardinal-and-gold shirts that read: “Roll Tears Roll.”The shirts are reportedly on-sale for $19.95 and “going fast.” USC and Alabama are set to play at AT&T Stadium in Arlington, Texas on Sept. 3. The game will kick off at 8 p.m. E.T. on ABC.last_img read more

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first_imgBy Jorge BarreraAPTN National NewsA former Manitoba chief’s attempt to land a meeting with the Iranian government won’t help the cause of First Nations people and will simply give the regime in Tehran another chance to deflect attention from its own human rights abuses, says the chair of the Inter-Parliamentary Group for Human Rights in Iran.Liberal MP Irwin Cotler said former Roseau River chief Terry Nelson’s campaign to seek an audience with the Iranian regime will do little to help First Nations people in Canada. The inter-parliamentary group includes political representatives from the U.S., Australia and the UK.“I don’t believe that there will be any effective or even moral assistance that can be forthcoming from an Iranian government that assaults its citizens,” said Cotler. “I share Mr. Nelson’s concerns with the plight of Aboriginal people, but that plight will not be solved by those who assault and violate the rights of their own people.”Nelson is leading a caravan from Winnipeg to Ottawa in March to visit the Iranian embassy and over 100 other diplomatic outposts. Nelson said he plans to deliver a package to the Iranian embassy that will include a letter to Iranian President Mahmoud Ahmadinejad requesting an audience with the Iranian parliament to highlight Canada’s wrongs against First Nations people.The caravan will include representatives from the Ojibway, Dakota and Mohawk people, Nelson said. The Iranian government has publicly criticized Canada in the past over First Nations issues. In January, the Iranian foreign ministry said it had summoned the Canadian charge d’affaires in Tehran over Canada’s treatment of Aboriginal people.“The unfavorable condition of the Indigenous Canadians is a cause of sorrow and grief for the international community and the Islamic Republic of Iran strongly protests against the blatant violation of these people’s rights by the Canadian government,” said the ministry in a statement at the time.Cotler said Iran uses the issue as cover for its own abuses.“Iran will use and abuse the plight of Aboriginal people in Canada as they have in the past to deflect away from their own state’s actions and assault against their own people,” said Cotler, who held a press conference in Ottawa Wednesday to highlight the regime’s human rights abuses against dissidents, journalists and women.Iran faces parliamentary elections on Friday.Nelson said he’s not surprised by Cotler’s comments. He said they mirror what he heard during and after his 1998 trip to Iraq while it was under the rule of Saddam Hussein. Nelson said he is under no “illusions” about the Iranian regime, but First Nations people are being forced to seek help from all corners of the globe.“The Americans remain silent on human rights in Canada and the UN blue berets aren’t coming to North America any time soon to rescue Indigenous people,” said Nelson. “There are human rights abuses all over the place…There are 600 murdered and missing Indigenous women in Canada. Indigenous women are forced into prostitution and they find their skulls…on (serial killer Robert Pickton’s)farm.”Nelson said First Nations people have to find foreign sources of revenue to break away from their dependency on the Indian Act and Ottawa’s money.“We are going to deal with the issue of accessing foreign investment and development to break the Indian Act system,” said Nelson. “The Liberals didn’t do anything when they were in power, they had a chance to amend the Indian Act or get it out of the way, and now they are champions of the Indians when they have no power.”[email protected]@JorgeBarreralast_img read more

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first_imgNEW YORK, N.Y. – Facebook is giving its privacy tools a makeover as it reels from criticisms over its data practices and faces tighter European regulations in the coming months.The changes won’t affect Facebook’s privacy policies or the types of data it gathers on users. But the company hopes its 2.2 billion users will have an easier time navigating its complex and often confusing privacy and security settings. Facebook says it also wants to give users a simpler way to access and download the data it collects on them.Wednesday’s announcement follows revelations that a Trump-affiliated consulting firm, Cambridge Analytica, got data on millions of Facebook users. That included information on friends of people who had downloaded a psychological quiz app, even though those friends hadn’t given explicit consent to sharing. In addition, Facebook is also facing widespread criticism for collecting years of contact names, telephone numbers and call and text histories from Android users. The company has not said exactly what it used such data for or why it needed it. On Monday, the Federal Trade Commission said it is investigating Facebook over its privacy practices.Facebook’s chief privacy officer, Erin Egan, said in a blog post that most of the privacy updates have been in the works for “some time, but the events of the past several days underscore their importance.”Facebook also said it plans to update its privacy policy and terms of service in the coming weeks, but gave no further details.The company has tried over the years to simplify its privacy settings, yet the controls remain hard to find and use for many people. For example, Facebook announced in 2009 that it was consolidating six privacy pages and more than 30 settings on to a single privacy page.Yet mobile users still had to go to nearly 20 different places to access all of their privacy controls. Now, Facebook says they will be accessible from a single place. Facebook says it is also adding “clearer explanations” about how its privacy controls work.Chris Cox, Facebook’s chief product officer, called the new settings “the first of many steps” the company is taking to address privacy concerns.Facebook has been working on the changes in preparation for the European Union’s General Data Protection Regulation, which were approved two years ago and take effect May 25. The rules are designed to make it easier for consumers to give and withdraw consent for the use of their data. They apply to any company that collects data on EU residents, no matter where it is based.To comply with this, Facebook is adding a section called “access your information,” a secure way for users to manage data they’ve shared with the company, including status updates, comments and things they have searched for. That’s where people can go to delete information or download a copy. While this download was already possible, it took some time to figure out how to do it. Cox said the changes let people browse through their information in detail, without having to download it. For example, users will now be able to look up a post from a specific date in the past.Cox said that while the changes are “in line with the principle of GDPR,” there’s also a “bunch of stuff that goes above and beyond that.”Facebook also said it will propose updates to its terms of service in the coming weeks and update its privacy policy, but gave no further details.last_img read more

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