Crying game? Mortgages driving first time buyers to tears

first_imgIt’s fair to say that applying for mortgages is few people’s idea of fun, but can the process ever drive them to tears?It can, according to research among home owners by mortgage broker Trussle, which has discovered that 8% of all first-time buyers get teary-eyed while attempting to get their first mortgage, or 27,000 people every year.The research also found that 9% of first time buyers had been discouraged during the process of buying their property because they had felt getting a mortgage was an ordeal, while nearly a quarter of first-time buyers are forced to time off work to sort out their mortgage application. This equates to 77,740 people last year.StressfulAlso, 23% of the 2,000 people quizzed during the research said the experience of getting a mortgage was stressful, while many found making a mortgage application to be “opaque and time-consuming”.This is also persuading many people to stay put with their existing lender rather than switch provider and remortgage, says Trussle.It reckons there are two million people on Standard Variable Rate mortgages who could save thousands of pounds a year if they were to switch to a mortgage with a more competitive rate.The lender reckons the average saving is £4,900 per borrower or £9.8 billion in total.“The good news is that things are improving, if in pockets,” says Ishaan Malhi, CEO of Trussle (pictured, left).“We’re already seeing dramatic progress in the mortgage customer experience, with the use of technology speeding up and simplifying the whole process. This in turn should help to address some of the causes of the inertia costing homeowners so much money.”  Ishaan Malhi mortgages Trussle September 25, 2017Nigel LewisWhat’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 BREAKING: Evictions paperwork must now include ‘breathing space’ scheme details30th April 2021 City dwellers most satisfied with where they live30th April 2021 Hong Kong remains most expensive city to rent with London in 4th place30th April 2021 Home » News » Crying game? Mortgages driving first time buyers to tears previous nextCrying game? Mortgages driving first time buyers to tearsStresses and strains of getting first mortgage causes almost 10% of FTBs to break down and cry.Nigel Lewis25th September 201702,048 Viewslast_img read more

Tank And The Bangas Announce Fall Tour With Big Freedia & Naughty Professor

first_imgTank and The Bangas have announced an extensive run of North American tour dates this fall. The New Orleans five-piece (brought to fame as the unanimous winners of NPR Tiny Desk contest in 2017) will share the headlining bill with Big Freedia, with opening support from Naughty Professor. The fall tour includes stops in New York, Los Angeles, Philadelphia, Boston, Seattle, Portland, and more.It’s been a wild ride since the band jumped on the map in spring of 2017. Following up the band’s only LP, 2013’s Think Tank, in April, Tank and The Bangas released “Smoke.Netflix.Chill“, their first release via a major label (Verve Forecast). Led by vocalist and songwriter Tarriona “Tank” Ball, the group continues to evolve in more ways than just music, as Tank continues to grow and develop as a performer and writer.Even back in the open-mic days, she was a force of nature. “I don’t know if there’s such a thing as too free, but it was totally uninhibited. She was inspired,” Norman Spence (synth keys, bass) says in a press release. More recently, Ball has become less of a dervish onstage—“I was running around so much I didn’t have time to sing at all,” she says, while finding new ways of expressing herself as a writer.Tank and The Bangas are a force to be reckoned with, and show not to be missed. Check out the full tour schedule below. For more information on their upcoming adventures, head to Tank and The Bangas’ official website.TANK AND THE BANGAS LIVEAugust 22—Morrison, CO—Red Rocks AmphitheatreAugust 24—Detroit, MI—Museum of Contemporary Art DetroitAugust 25—Québec City, Canada—Wanderlust: Québec CityAugust 26—Cleveland, OH—InCuya Music FestivalSeptember 8—St. Louis, MO—LouFestSeptember 24—Cologne, Germany—Gloria TheaterSeptember 25—Frankfurt, Germany—Zoom FrankfurtSeptember 26—Berlin-Altglienicke, Germany—Festaal KreuzbergSeptember 27—Munich, Germany—AmpereOctober 3—Camden, London, UK—Electric BallroomOctober 4—Paris, France—La MaroquinerieOctober 8—Amsterdam, Netherlands—ParadisoOctober 9—Rotterdam, Netherlands—AnnabelOctober 18—Washington, DC—9:30 ClubOctober 19—Washington, DC—9:30 ClubOctober 20—Philadelphia, PA—Theatre of Living Arts*October 21—New York, NY—Brooklyn Steel*October 23—Boston, MA—Royale*October 25—Toronto, Canada—Danforth Music Hall*October 26—Chicago, IL—Concord Music Hall*October 28—Minneapolis, MN—First Avenue*October 30—Maquoketa, IA—Codfish Hollow Barnstormers*October 31—Kansas City, MO—The Truman*November 2—Denver, CO—Ogden Theatre*November 3—Salt Lake City, UT—The Depot*November 5—Vancouver, Canada—Commodore Ballroom*November 6—Seattle, WA—Neptune*November 7—Portland, OR—Roseland Theater*November 9—Berkeley, CA—The UC Theatre Taube Family Music Hall*November 10—Los Angeles, CA—Regent Theater DTLA*w/ Big Freedia and Naughty ProfessorView All Tour Dateslast_img read more

Dorms undergo maintenance, close for residents over break

first_imgAs students pack up to go home for winter break, many people wonder: “What happens in the dorms over break?” As all students are required to vacate the residence halls at the end of the final examinations period, few students, if any, have been inside a dorm during this annual three-to-four-week vacancy, and what goes on during this time remains shrouded in mystery for many students. “Many of the residence hall common spaces, including kitchens, restrooms, et cetera, are cleaned over break,” Kimberly Kolk, the assistant director of space planning and logistics for the Office of Residential Life, said in an email. “Occasionally, maintenance and residence hall improvement projects are scheduled during break as to provide minimal student disruption during project completion.”While winter maintenance and improvement projects may vary from dorm to dorm, Kolk said, all residence halls adhere to general practices.“We ask our hall staff to be diligent in informing students about required practices for leaving the hall for the break,” she said. “Some of these practices include: closing and locking windows, unplugging electrical items and refrigerators, emptying trash and recycling, properly sealing food and drinks left in the room, turning off lights and closing and locking room doors. Hall Staff members in each hall will check all rooms after students depart to ensure compliance with these requests. These practices are also followed as applicable in common spaces of the buildings.”While all students must vacate the hall, Kolk said “live-in professional staff members” have the option to remain in the dorm and retain access over break. Other individuals with this access, she said, include Notre Dame Security Police officers, Residence Life staff, Building Services staff and staff involved with building maintenance.According to the International Student and Scholar Affairs website, Notre Dame International and the Office of Housing are currently considering providing winter housing for students who are unable to stay elsewhere over break.“This option will only be for undergraduate international students who have significant financial need (as determined by the Financial Aid Office) and have no other option over winter break (i.e., to fly home or stay elsewhere in the U.S.),” according to the website. “We cannot guarantee this to everyone who applies or is interested and will work with Financial Aid to determine the level of documented student need.“Students who accept winter break housing are responsible for all meals during break; no dining hall service is available during this time. You may be asked, but not required, to work five hours a week for the Office of Housing over break.”It is not clear if this policy will be introduced for applicable students for the upcoming break since no announcement has been made. It appears that, at least for now, the residence halls will remain student-less for the holidays.Tags: residence halls, winter breaklast_img read more

Three Indicted In Alleged Jamestown Cocaine Ring

first_imgShare:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to email this to a friend (Opens in new window) JAMESTOWN – Two City of Jamestown residents and a Buffalo man were indicted Tuesday in connection with an alleged cocaine ring in Jamestown.The U.S. Attorney’s Office in Buffalo says a federal grand jury indicted Kori Robinson, 22, Islandah Mitchell, 20, both of Jamestown, and Bruce Page, 25, of Buffalo, with conspiring to possess with intent to distribute, and to distribute, cocaine.Prosecutors say the trio was arrested last week following a traffic stop on North Main Street.WNY News Now Image.While searching the vehicle, police allegedly found brown purse with narcotics packaging baggies sticking out of it. Inside the purse, officers say they recovered a clear plastic baggie that contained two separate clear baggies containing suspected crack cocaine and powder cocaine. Officers also allegedly recovered a quantity of suspected marijuana; empty packaging materials; a metal spoon with suspected drug residue; and several cell phones.In total, during the stop police allegedly found 3.5 ounces of powder cocaine and 4.7 ounces of crack cocaine.Image by Jamestown Police.In January, prosecutors say the Jamestown Metro Drug Task Force executed a search warrant at Mitchell’s Lafayette Street Apartment in Jamestown. Investigators say they recovered quantities of suspected cocaine and crack cocaine; $2,000 in cash; two digital scales; credit cards; an iPhone; and a box of ammunition.The three were arraigned in a Buffalo courtroom. Page was held in federal custody while Mitchell and Robinson were released.The charge carries a maximum penalty of 20 years in prison, and a $1,000,000 fine.The indictment is the result of an investigation by the Jamestown Police Department, the Southern Tier Regional Drug Task Force, and the Federal Bureau of Investigation.last_img read more

All About Sex’s Marissa Jaret Winokur Helps B’way Ladies Spice It Up in the Bedroom

first_img EPONINE (LES MISERABLES) “She did OK back in 19th-century France, but Eponine would not do well nowadays. Back then, Marius was all she had to lean on and they were best friends, but now she’d be a full-on Facebook stalker. She’d be drunk texting, she’d delete him from Facebook and then add him back on again… So my advice to Eponine would be back off. Take advice from that book He’s Just Not That Into You. Delete him from your phone. Don’t look at what he’s doing with Cosette on Facebook, it’s just gonna break your heart. Eponine is very co-dependent, and I think she’ll need a little therapy to get through this, but she has to love herself first!” GOLDE (FIDDLER ON THE ROOF) “I relate to Golde because she’s happily married to a great man—we all love Tevye—but I don’t think they’re having sex anymore. I’m looking for the same advice Golde is looking for. We have to be more like we were when were younger. We have to get our groove back. She needs to take off her shmata—or in my case, Lululemon leggings and sweatsuits—and put on some sexy lingerie and make our husbands wake up a little. And she needs a date night. Maybe get some wine and relax at the Anatevka Saloon, put on a low-cut shmata, take off her army boots, put on a pair of sandals and show an ankle.” DONNA SHERIDAN (MAMMA MIA!) “First, Donna has to be honest and help Sophie find out who her father is. Drink a glass of wine, get all three men over and just figure it out. And then at that point if she’s like, ‘Hmm, I wonder if I have feelings for one of them again,’ let’s not have the same mistake happen this time. Now we know about diseases, so maybe don’t have sex with all three guys in the same day? Even though she may not be able to get pregnant anymore, she still needs to use protection. But hey, why rehash the old ones anyway? You’re in the Greek Islands, find someone new and exciting!” MISS TRUNCHBULL (MATILDA) “The first thing I would do is give Miss Trunchbull a full makeover. Spanx, a push-up bra and a nice stretchy dress from Chico’s. I also feel like Miss Trunchbull clearly needs to get in touch with her own sexuality. Maybe she needs to find a nice lesbian bar and figure it out? But let me tell you, if she’s looking for a man and not a woman, saying ‘I work with 100 children’ is not going to bring in the men. When she’s filling out her Tinder profile, maybe she shouldn’t mention all of the children she’s around. And I’m typically not into plastic surgery but maybe wart removal would be helpful?” Tony-winning Hairspray favorite Marissa Jaret Winokur is definitely a big girl now—she’s helping women spice it up between the sheets as the co-host of the new TLC late-night series All About Sex! Before she doles out relationship advice on national TV, Winokur is tackling five Broadway characters with intimacy issues who could really use her help. Check out her tips for Miss Trunchbull from Matilda, Golde from Fiddler on the Roof and more below, then see her talk All About Sex beginning January 10 on TLC! TRACY TURNBLAD (HAIRSPRAY) “Tracy needs the least advice of anyone on Broadway ever. She’s more sexually confident than Roxie from Chicago! She’s an inspiration. But I’d still like to tell her to slow down. You know what happened after that dance contest—she won and then she and Link left and got it on. I absolutely know for a fact that Tracy and Link did the deed that night, and I’m sorry to ruin it for everybody, but that’s what happened. Penny wasn’t really ready yet mentally and Amber was a virgin, but Tracy was ready to have sex, for sure. She was ready, but she still needs to go slow, use protection and have fun!” View Commentslast_img read more

Motown Will Return to Broadway in July 2016

first_imgAll you need to get by! Motown the Musical, which closed on January 18 at Broadway’s Lunt-Fontanne Theatre with the intention of returning to the Main Stem next summer, will do so for an 18-week limited engagement. The tuner is set to begin performances in July 2016 at the Nederlander Theatre. This means that Disaster!, which is scheduled to start previews at the venue on February 9, will be playing a restricted run.Directed by Charles Randolph-Wright and featuring a book by Motown founder Berry Gordy, Motown The Musical’s score includes over 50 beloved hits from the Motown catalogue. The show tells the story of Gordy’s rise from small-town dreamer to big-time record mogul. Along the way, he discovers a slew of musical talent including Stevie Wonder, Smokey Robinson, Marvin Gaye, Michael Jackson and the legendary Diana Ross, with whom he sparks a romance.The first National Tour of Motown The Musical opened in Chicago in April 2014 and continues to play across the country. A London production will begin performances on February 11, 2016 at the Shaftesbury Theatre in the West End. View Comments Motown The Musical Related Shows Show Closed This production ended its run on July 31, 2016last_img read more

Steve Martin & Edie Brickell’s Bright Star Begins B’way Previews

first_imgCarmen Cusack in ‘Bright Star'(Photo by Joan Marcus) Bright Star Star Files The Broadway spotlight will finally shine on Carmen Cusack on February 25 when she makes her Main Stem debut in Bright Star. Directed by Tony winner Walter Bobbie, the new tuner from Steve Martin and Edie Brickell is scheduled to officially open on March 24 at the Cort Theatre.The cast will also include A.J. Shively, Michael Mulheren, Stephen Bogardus, Dee Hoty, Jeff Blumenkrantz, Paul Alexander Nolan, Hannah Elless, Stephen Lee Anderson and Emily Padgett.Bright Star, which features music by Martin and Brickell, lyrics by Brickell and a book by Martin, is set in the Blue Ridge Mountains of North Carolina and travels between 1945 and 1923. Billy Cane (Shively), a young soldier just home from World War II, meets Alice Murphy (Cusack), the brilliant editor of a southern literary journal. Together they discover a powerful secret that alters their lives.The tuner previously played a limited engagement at San Diego’s Old Globe in 2014 and also ran at D.C.’s Kennedy Center late last year. Related Showscenter_img Show Closed This production ended its run on June 26, 2016 Carmen Cusack View Commentslast_img read more

How to Prepare for 2014 Atlantic Hurricane Season

first_imgCreate an emergency preparedness kit with food and water and other basic supplies for each family member to last at least three days. Remember to include essential medications, copies of important documents and special items for children and pets.Plan what to do in case you are separated from your family during an emergency and what to do if you have to evacuate. Coordinate with your child’s school, your work and community’s emergency plans.Be informed about what disasters or emergencies may occur where you live, work, play and pray, and how to respond as safely as possible. Find out how local officials will contact you during a disaster and how you will get important information. Officials are impressing upon residents to do what they can to prepare for the possibility of tropical storms after a 2013 survey conducted by the Red Cross and The Weather Channel revealed revealed that only half of Americans living in coastal counties have an evacuation plan or discussed a place where they’d meet in the event they were separated. One-third of those surveyed lacked an emergency kit with supplies, officials said. The survey was conducted after Superstorm Sandy wreaked havoc on Long Island and much of the Northeast.“Preparedness is critical when it comes to life-threatening disasters such as hurricanes,” John Miller, Long Island Red Cross CEO, said in a statement.In preparation for this year’s hurricane season, the Red Cross has placed dozens of trailers filled with relief items across the Island. The relief group also boats more than 1,100 volunteers trained to assist communities in the event of a major storm.The National Weather Service predicted a “normal” hurricane season in 2014. The Atlantic Hurricane Season ends Nov. 30. Sign up for our COVID-19 newsletter to stay up-to-date on the latest coronavirus news throughout New York After battling a brutal winter that featured more than one polar vortex and a whole lot of snow (and potholes), Long Islanders are more than ready to unleash the sunscreen, beach chairs and flashy umbrellas for a much-needed infusion of summer sun.But while families are filling their trunks with summer necessities, local officials relief organizations are advising residents to begin taking the necessary steps to prepare for the Atlantic Hurricane season, which officially starts Sunday.Don’t worry, folks, the American Red Cross put together some tips for families as this not-so-welcome hurricane season gets underway:last_img read more

still some 50% of votes to be counted in the Alaska Senate race

first_imgCampaign photo of independent candidate for Senate in Alaska Al Gross. Dr. Al Gross, Alaska independent candidate for U.S. Senate. Gross would caucus with Democrats.As Democrats fixate on Georgia to see whether it might play host to two highly consequential Senate runoffs, it’s worth at least putting a pin in the Alaska Senate race too. At the moment, the AP reports that only about 50% of the state’s votes have been counted in the race between GOP Sen. Dan Sullivan and independent challenger Al Gross (who would caucus with Democrats). Sullivan leads that race by about 57,600 votes, but there are at least 110,000 absentee ballots that have yet to be counted along with an unknown number of early in-person votes cast after Oct. 29. In other words, there’s a lot of counting still to be done, and it won’t happen until next Tuesday.- Advertisement – – Advertisement –last_img read more

Get facts, decide for yourself on sewers

first_imgHey, Burnt Hills, Ballston Lake, regarding your sewer vote. Have you seen enough signs, read enough letters to the editor or seen enough road-side signs admonishing you to “do this or don’t do that?”How about this? Get the facts and do your own thinking.Make up your own mind. How about that?David W. ChristensenBallston SpaMore from The Daily Gazette:EDITORIAL: Thruway tax unfair to working motoristsEDITORIAL: Urgent: Today is the last day to complete the censusGuilderland girls’ soccer team hands BH-BL first league lossEDITORIAL: Find a way to get family members into nursing homesFoss: Should main downtown branch of the Schenectady County Public Library reopen? Categories: Letters to the Editor, Opinionlast_img