“NAMB is thrilled to announce its newly formed partnership with marketing-solution leader Roomvu,” NAMB president Valerie Saunders said in a Press release emailed to MPA. “Their innovative marketing technology is easy to use and is proven to move the needle in our industry. NAMB members and the entire industry will benefit from using their solutions. … [Read more…]
“It’s no secret that the combination of rising interest rates, limited inventory and growing property appreciation have made it more difficult for potential homebuyers to purchase in today’s market. While existing homeowners have benefitted tremendously from skyrocketing home equity, that trend has put buyers at a tremendous disadvantage,” Click n’ Close CEO Jeff Bode said in a Press release. “By combining our proprietary DPA programs with a shared appreciation option, we’re not only helping buyers get into a home more easily but also reap the benefit of homeownership from day one.”
The program is available to retail clients and through Click n’ Close’s wholesale division.
Read next: Gen Z remains hopeful about buying homes despite affordability issues
Formerly known as Mid America Mortgage, Click n’ Close has been operating since 1940. It is also a leading provider of Section 184 home loans for Native Americans. The lender maintains direct relationships with major financing agencies like Fannie Mae, Freddie Mac, and Ginnie Mae, enhancing its access to capital markets and ensuring liquidity for its loan products. Click n’ Close also manages loan servicing in-house, which it believes guarantees consistent borrower service and enhances loan salability for its partners.
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What’s a fair price to pay for mouthwash, soap, body wash, and toothpaste? One TikToker is in shock at their total from Target when buying these items and voiced their concerns about the affordability of basic essentials.
In the video, Steve Owens (@iamsteveowens) is in their car telling viewers about their recent Target visit. They mention that their total price for these essentials was $35, which averages out to about $8.75 per item. They also mention that everything in the store is locked up and that the self-checkout is no longer an option, allegedly due to the store’s concerns about theft. They go on to explain that people are stealing out of necessity, not as a hobby.
“Y’all, people are not stealing because it’s fun. People are stealing because they have to. If you look at what’s locked up—it’s soap, deodorant, toothpaste, mouthwash, body wash. These are essential items, OK? They didn’t lock up the home goods stuff in there,” Owens states about the items at Target.
The video has over 16,000 likes and over 144,000 views since April 10 at 9pm ET.
Owens goes on to contextualize the total of the items based on the average minimum wage in the United States.
“Y’all, people are struggling—that is why folks are stealing. This is $30, OK? Minimum wage in the United States of America, on average, is $11 an hour. You have to trade three hours of your life. Think about this, y’all. You gotta trade three hours of your life for mouthwash, toothpaste. I’mma show it to you again—soap and body wash. This is three hours of your life that you have to trade, and you ain’t never get it back,” Owen states about the Target purchase.
@iamsteveowens Target is robbing us blind, and we are letting them! #fyp #foryou #foryoupage ♬ original sound – Steve Owens
While some sources say the accurate average for minimum wages across the United States is $9.00, the federal minimum wage is lower than this at $7.25 an hour for nonexempt employees, according to the U.S. Department of Labor.
People in the comments began to echo their concerns as well.
“Trading your life (work) for items is insane to say…. lordt… that just changed the way I see things,” one comment reads.
“Between essential items and groceries it’s ridiculous,” another wrote. The Daily Dot has previously written about people being overwhelmed by the price of groceries as well.
“Corporate greed,” commented another.
It seems that Owens is not the only one fed up with the price of items nowadays. The Daily Dot has reached out for comment to Target via email and Owen via TikTok comment.
The internet is chaotic—but we’ll break it down for you in one daily email. Sign up for the Daily Dot’s web_crawlr newsletter here to get the best (and worst) of the internet straight into your inbox.
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*First Published: Apr 11, 2024, 2:00 pm CDT
Marlin Ramos
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Marlin Ramos is a museum educator currently working at the Museum of Modern Art in New York. They founded LUMXN Magazine and is a graduate student at New York University. She loves long walks in nature, doing yoga, and baking!
Employees want commute expenses covered in exchange for office return | Mortgage Professional Business Growth “commute worthy.” Additional pay requested for office return In addition to perks, employees in the United States also said they would comply with an office-return policy if this meant getting a higher salary. According to the Ringover survey, nearly half … [Read more…]
Expectations around a possible Fed rate cut in its next announcement have faded in recent months amid evidence of a resilient economy and persistent inflation, with today’s news all but guaranteeing the central bank will hold steady in its next deliberations. A&D Mortgage founder and chief executive officer Max Slyusarchuk said today’s news marked unwelcome … [Read more…]
Are you feeling stuck in a rut? Do you find yourself yearning for new experiences, opportunities, and adventures? Moving to a new city could be just the change you need to revitalize your life. Whether you’re seeking career advancement, a better quality of life, or simply a change of scenery, there are certain signs that indicate it might be time to pack your bags and embark on a new chapter. Here are some signs that it’s time to consider making a move:
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Stagnation in Your Career
Are you feeling unfulfilled or under-appreciated in your current job? If there’s limited room for growth or advancement opportunities in your current city, relocating to a city with a thriving job market in your field could be the catalyst for propelling your career forward.
Lack of Personal Connections
Do you find it challenging to forge meaningful relationships or build a strong support network in your current city? Moving to a new city can provide an opportunity to meet new people, expand your social circle, and cultivate deeper connections with like-minded individuals who share your interests and values.
Desire for a Better Quality of Life
Are you tired of battling traffic congestion, high living costs, or adverse weather conditions? Moving to a city with a lower cost of living, better weather, or superior amenities can significantly enhance your overall quality of life and provide a more conducive environment for personal growth and happiness.
Longing for Cultural Diversity
Do you crave exposure to diverse cultures, cuisines, and perspectives? Moving to a culturally vibrant city can broaden your horizons, stimulate your senses, and enrich your life with new experiences and perspectives that you wouldn’t find in a homogeneous environment.
Seeking Adventure and Exploration
Are you feeling restless and eager to explore new surroundings and embark on exciting adventures? Moving to a new city opens up a world of possibilities for exploration, discovery, and adventure, allowing you to immerse yourself in unfamiliar landscapes, activities, and opportunities for personal growth.
Change in Personal Circumstances
Have there been significant changes in your life, such as a relationship breakup, job loss, or family relocation, that necessitate a fresh start in a new city? Embracing change and embracing the opportunity to start anew can be empowering and rejuvenating, enabling you to leave behind the past and embrace a brighter future.
Intuition and Gut Feeling
Do you have a persistent feeling that it’s time to move on and embark on a new chapter in your life? Trusting your intuition and listening to your inner voice can often lead you in the right direction, guiding you toward new opportunities and experiences that align with your deepest desires and aspirations.
Are you looking to move to a new city this spring? Give us a call today! Our experienced real estate agents are here to help!
“We’re turning down way more deals than we’re doing,” Franklin told Bloomberg. “It’s a low, low risk, low-yield game that we’re playing.” Read more: Three strategies to mitigate risk in real estate investing in 2024 Kevin Gould, CEO of the California Bankers Association, argued that banks follow “safe and sound lending practices” that should ensure … [Read more…]
Real joins several major players, including Anywhere Real Estate, RE/MAX, Keller Williams, Compass, and the National Association of Realtors, in reaching settlements in commissions lawsuits. With sales exceeding $12 billion in 2022, Real was one of over 90 brokerages not covered by NAR’s settlement agreement. While Real could have pursued a streamlined settlement path outlined … [Read more…]
In the realm of real estate, every detail counts. From the layout of the rooms to the curb appeal, every aspect of a property plays a role in influencing potential buyers. Among these factors, the psychology of color holds significant sway. Colors have the power to evoke emotions, set moods, and even influence decision-making. In the world of real estate, understanding the psychology of color can be the key to creating a compelling and inviting space that resonates with buyers. Let’s delve into how different hues impact potential homebuyers:
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The Warm Welcome of Yellow
Yellow is often associated with warmth, happiness, and positivity. It’s a color that can evoke feelings of joy and optimism, making it an excellent choice for entryways and living spaces. A splash of yellow in the form of accent walls, décor, or even front doors can create a welcoming atmosphere that draws buyers in.
Tranquillity in Blue
Blue is renowned for its calming and serene qualities. It’s often linked with feelings of peace, trust, and stability. In real estate, incorporating shades of blue can be particularly effective in bedrooms and bathrooms, where relaxation and tranquillity are paramount. Whether it’s through soft furnishings, wall colors, or décor accents, blue can help create a soothing retreat for potential buyers.
Energizing with Red
Red is a color that commands attention. It’s associated with passion, energy, and excitement. While using red in large doses can be overwhelming, strategic touches of this vibrant hue can add a sense of urgency and vitality to a space. Consider incorporating red accents in areas where you want to create a sense of excitement or where you want to draw attention, such as the dining room or kitchen.
Balancing Act with Green
Green symbolizes nature, growth, and harmony. It’s a versatile color that can evoke feelings of freshness and balance. In real estate, green is often used to create a sense of connection with the outdoors, making it an ideal choice for spaces like the living room or patio. Whether it’s through indoor plants, accent walls, or natural décor elements, green can help bring a sense of vitality and balance to a property.
Sophistication in Neutrals
Neutrals such as white, beige, and grey may seem subdued, but they play a crucial role in real estate. These colors provide a blank canvas for buyers, allowing them to envision their own style and preferences in the space. Neutrals also create a sense of sophistication and timelessness, making them an excellent choice for walls, floors, and larger furniture pieces.
Inviting with Warm Tones
Warm tones like orange, terracotta, and earthy browns can create a cozy and inviting atmosphere. These colors are often associated with comfort, security, and hospitality. Incorporating warm tones into common areas like the living room or dining room can help create a sense of intimacy and homeliness that resonates with buyers.
Are you looking for a new home this spring? Give us a call today! Our experienced real estate agents are here to answer all your questions!
To qualify, applicants must meet specific criteria, the Atlanta, Georgia-based firm outlined, including: Closing the loan with Citizens Trust Bank Income not exceeding $150,000 Maximum of $25,000 in assets The property must be owner-occupied Borrower contribution of at least $500 Completion of a homebuyer education course Can be combined with other approved down payment assistance … [Read more…]