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2025-01-12
In the end, one thing is certain - the clash between creators and players in the world of Life of Valor is far from over. As the battle continues to unfold, one thing remains clear: the future of gaming will be forever changed by the outcome of this epic showdown.By Abby Badach Doyle, NerdWallet It won’t be impossible to buy a house in 2025 — just be prepared to play on hard mode. According to a November 2024 report from ICE Mortgage Technology, the monthly principal and interest payment on an average-priced home is $2,385. While that’s not the highest it’s ever been, it’s still a sharp increase — nearly 80% — from just three years ago. In November 2021, when mortgage rates averaged 3%, the monthly principal and interest on an average-priced home was $1,327 per month. So here’s the key to buying in 2025: Look ahead, not back. Regret won’t help you budget for today’s new normal. And with this year’s election also in the rearview mirror, so is some uncertainty among buyers and sellers that historically slows the market during every presidential election cycle. “People have just been kind of sitting waiting to see what’s going to happen,” says Courtney Johnson Rose, president of the National Association of Real Estate Brokers, an industry group for Black real estate agents. “I’m hopeful that the new year will bring more attention to real estate, more excitement to real estate, and more opportunities for first-time home owners to get in the game.” Preparing to buy a house is a lot like dressing for the weather. It’s easier when the outlook is sunny — but with some planning, you can gear up to face any condition. Here’s what housing market experts are forecasting for the upcoming year. Related Articles Real Estate | New law could help California renters facing eviction stay in their homes Real Estate | California No. 1 for crazy, pretentious residents, poll says Real Estate | Southern California hiring dips 47% below average in November Real Estate | Is California living worth the costs and taxes? Real Estate | California homebuying jumps 20%, biggest gain in 41 months First, home prices: We’ll likely see more modest growth in 2025, a change from skyrocketing prices in recent years. After 16 consecutive months of year-over-year price increases, the median existing-home sales price hit $407,200 in October, according to the National Association of Realtors. In 2025, with more supply trickling in to temper price increases, NAR chief economist Lawrence Yun forecasts a median existing-home sales price of $410,700, up just 2% over this year. Next, housing inventory: Demand still outpaces supply. While we don’t expect a return to a buyer’s market, competition should be less cutthroat. Realtor.com forecasts a balanced market in 2025 with an average 4.1-month supply of homes for sale, up from an average 3.7-month supply so far in 2024. That would make 2025 the friendliest market for buyers since 2016, which had an average 4.4-month supply. Finally, mortgage rates: After topping 8% in October 2023, the 30-year mortgage rate has slowly eased into the 6.5%-7% range this year. Rate cuts from the Federal Reserve have helped nudge that downward. Despite earlier optimism, forecasters’ latest consensus is for rates to effectively plateau above 6% throughout 2025. That said, every year has its wild cards. In 2025, it’s still uncertain how President-elect Donald Trump and a Republican-led Congress might shake up regulations and tax policies that affect the U.S. housing market. National forecasts don’t analyze what matters most: Your personal cash flow. To get ready to buy, first meet with a financial advisor or use an online calculator to determine how much house you can afford . You can also get free or low-cost advice from a housing counselor sponsored by the U.S. Department of Housing and Urban Development (HUD). Next, look into down payment and closing cost assistance from state housing finance agencies, local governments, nonprofits and mortgage lenders. Your employer or labor union might offer assistance, too. First-time buyers with income below their area median have the most options, but repeat or higher-income borrowers can qualify for some programs as well. “I think that there’s a lot of free money being left out there,” Rose says. Your not-so-secret weapon for buying in 2025 just might be an experienced buyer’s agent. “Anybody can write a contract,” says Sharon Parker, associate broker with Tate & Foss Sotheby’s International Realty in Rye, New Hampshire. “But you need somebody who’s seen the market, the ups and downs, who knows how to get creative because every transaction is different.” Following a settlement with the NAR , buyers can now negotiate their agent’s compensation up front. (Previously, home sellers took on that task.) While new norms are still shaking out, Rose says she hasn’t seen too much drama since the change took effect in August. “So as long as buyers remember that we have to talk about this in the beginning of our relationship, everything typically works out fine,” she says. Finally, it’s time to shop for a mortgage. To get the best interest rate, get a quote with at least three different lenders. You could also delegate the shopping to a mortgage broker, who can compare quotes and even negotiate a lower rate on your behalf. Though brokers charge a fee, their access to more mortgage options and lower rates can often mean net savings overall. With a mortgage preapproval in hand, it’s go time. And you don’t have to wait until spring: If you’re ready to buy now, buyers have less competition and more negotiating power from December through February, so you could snag a deal. “The people who are selling and the people who are buying in the off season are very serious,” Parker says. “They’re not just lookie-loos.” However, lower inventory means fewer choices for buyers. So start your search prepared to compromise — a “good enough” house will still help you build equity. If a down payment or monthly mortgage payment is financially out of reach, there’s no shame in postponing your search to pad your savings. And owning a home isn’t the right lifestyle choice for everyone, with the ongoing commitment of money and time. But once you’re ready to buy — whether for the first time, or to upgrade or downsize — avoid the trap of waiting for a dip in mortgage rates. “Nobody can predict what the market, or the world, is going to do,” Parker says. “There is no better time than right now.” Mortgage rates will always fluctuate, and if they drop significantly, you can refinance. For first-time buyers, homeownership is a major financial glow-up — and the sooner you jump in, the longer you’ll have to build home equity. “Time value of money is really, really critical when it comes to real estate,” Rose says. “So I would always encourage somebody to buy as soon as you can and get the clock ticking.” More From NerdWallet Abby Badach Doyle writes for NerdWallet. Email: abadachdoyle@nerdwallet.com. The article Buying a House in 2025: Your How-To Guide originally appeared on NerdWallet .fortune gems link



Murray State beats Loyola Chicago 71-68 for 7th place at the Diamond Head Classic

By MICHELLE L. PRICE WEST PALM BEACH, Fla. (AP) — An online spat between factions of Donald Trump’s supporters over immigration and the tech industry has thrown internal divisions in his political movement into public display, previewing the fissures and contradictory views his coalition could bring to the White House. The rift laid bare the tensions between the newest flank of Trump’s movement — wealthy members of the tech world including billionaire Elon Musk and fellow entrepreneur Vivek Ramaswamy and their call for more highly skilled workers in their industry — and people in Trump’s Make America Great Again base who championed his hardline immigration policies. The debate touched off this week when Laura Loomer , a right-wing provocateur with a history of racist and conspiratorial comments, criticized Trump’s selection of Sriram Krishnan as an adviser on artificial intelligence policy in his coming administration. Krishnan favors the ability to bring more skilled immigrants into the U.S. Loomer declared the stance to be “not America First policy” and said the tech executives who have aligned themselves with Trump were doing so to enrich themselves. Much of the debate played out on the social media network X, which Musk owns. Loomer’s comments sparked a back-and-forth with venture capitalist and former PayPal executive David Sacks , whom Trump has tapped to be the “White House A.I. & Crypto Czar.” Musk and Ramaswamy, whom Trump has tasked with finding ways to cut the federal government , weighed in, defending the tech industry’s need to bring in foreign workers. It bloomed into a larger debate with more figures from the hard-right weighing in about the need to hire U.S. workers, whether values in American culture can produce the best engineers, free speech on the internet, the newfound influence tech figures have in Trump’s world and what his political movement stands for. Trump has not yet weighed in on the rift, and his presidential transition team did not respond to a message seeking comment. Musk, the world’s richest man who has grown remarkably close to the president-elect , was a central figure in the debate, not only for his stature in Trump’s movement but his stance on the tech industry’s hiring of foreign workers. Technology companies say H-1B visas for skilled workers, used by software engineers and others in the tech industry, are critical for hard-to-fill positions. But critics have said they undercut U.S. citizens who could take those jobs. Some on the right have called for the program to be eliminated, not expanded. Born in South Africa, Musk was once on an a H-1B visa himself and defended the industry’s need to bring in foreign workers. “There is a permanent shortage of excellent engineering talent,” he said in a post. “It is the fundamental limiting factor in Silicon Valley.” Related Articles National Politics | Should the U.S. increase immigration levels for highly skilled workers? National Politics | Trump threat to immigrant health care tempered by economic hopes National Politics | In states that ban abortion, social safety net programs often fail families National Politics | Court rules Georgia lawmakers can subpoena Fani Willis for information related to her Trump case National Politics | New 2025 laws hit hot topics from AI in movies to rapid-fire guns Trump’s own positions over the years have reflected the divide in his movement. His tough immigration policies, including his pledge for a mass deportation, were central to his winning presidential campaign. He has focused on immigrants who come into the U.S. illegally but he has also sought curbs on legal immigration , including family-based visas. As a presidential candidate in 2016, Trump called the H-1B visa program “very bad” and “unfair” for U.S. workers. After he became president, Trump in 2017 issued a “Buy American and Hire American” executive order , which directed Cabinet members to suggest changes to ensure H-1B visas were awarded to the highest-paid or most-skilled applicants to protect American workers. Trump’s businesses, however, have hired foreign workers, including waiters and cooks at his Mar-a-Lago club , and his social media company behind his Truth Social app has used the the H-1B program for highly skilled workers. During his 2024 campaign for president, as he made immigration his signature issue, Trump said immigrants in the country illegally are “poisoning the blood of our country” and promised to carry out the largest deportation operation in U.S. history. But in a sharp departure from his usual alarmist message around immigration generally, Trump told a podcast this year that he wants to give automatic green cards to foreign students who graduate from U.S. colleges. “I think you should get automatically, as part of your diploma, a green card to be able to stay in this country,” he told the “All-In” podcast with people from the venture capital and technology world. Those comments came on the cusp of Trump’s budding alliance with tech industry figures, but he did not make the idea a regular part of his campaign message or detail any plans to pursue such changes.

One cannot help but question the mental state of this young woman and the influences that may have led her down such a dark path. It is a reminder that even those who appear successful and intelligent on the surface can be struggling with internal turmoil and conflict. The pressures of academic achievement, societal expectations, and personal demons can weigh heavily on even the brightest minds.Budgetary allocations for select government offices, commonly termed “intelligence” and “confidential” funds, are typically exempt from standard auditing procedures in order to preserve the secrecy of the operations they support. While such exemptions may be justifiable for safeguarding national security and law enforcement objectives, their application to civilian agencies without clear security functions is harder to defend. The secrecy surrounding these funds creates a fertile ground for misuse. The legislative challenge lies in establishing stricter oversight mechanisms to prevent fraud and ensure that these funds serve their intended purposes effectively. This is the apparent aim of the ongoing hearings in the House of Representatives, focusing on the use of confidential funds by the Office of the Vice President (OVP) and the Department of Education (DepEd) during Vice President Sara Duterte’s tenure as education secretary. The first critical question is whether the OVP and DepEd—both civilian agencies entities—require confidential funds at all. If they do, what level of auditing and oversight is appropriate? Under normal circumstances, such issues might not capture much public attention. However, the current inquiry is complicated by its political undertones. The spotlight is on Sara Duterte’s use of confidential funds both as incumbent vice president and as former education secretary, even though hers is not the only office with such allocations. The timing of the investigation—coinciding with Sara Duterte’s public break from the Marcos administration, of which she was a key member—raises suspicions about the real motive behind these hearings. Her supporters allege this is part of a calculated move to discredit her as a contender in the 2028 presidential elections. Regardless of political motivations, the separate Senate and House inquiries into Sara Duterte’s budgets are exposing glaring systemic weaknesses in our governance system. These hearings highlight how populist leaders like Sara Duterte exploit these dysfunctions to gain enormous power and maintain it. The crux of the problem appears to be the unrestricted access to public funds with minimal accountability. These funds are often used to distribute political patronage, secure compliance with illegal directives, or sustain an ecosystem of political operators, troll farms, loyal media, bodyguards, and even assassins. Those who resist can be intimidated, coerced, or silenced. This is governance at its darkest—a form of criminal politics. While such practices are not unique to one administration, the Vice President’s father and former president Rodrigo Duterte’s tenure arguably made them the cornerstone of his rule. Enabled by obsequious politicians, a complicit police force, a subdued judiciary, a silenced press, and a fearful bureaucracy, his brazen and whimsical presidency found no need for transparency and accountability. The people seemed satisfied so long as he appeared to deliver results. Yet, all presidencies end. Without a political party to anchor his influence, Rodrigo Duterte’s power quickly vanished after his term, though his popularity persisted for some time. The Marcos administration rode to power in part by recruiting Sara Duterte to be the vice president. Now, the fallout from the collapse of their dynastic alliance has thrust the government into a situation that tests the Marcos administration’s seriousness about strengthening the rule of law and reforming governance. The breakup has been ugly—marked by accusations of betrayal, broken promises, and incendiary rhetoric. In her latest outburst on Nov. 23, a defiant Sara Duterte unleashed a torrent of expletives and threats against the President, the First Lady, and the Speaker of the House during an impromptu press conference at her brother, Davao City 1st District Rep. Paolo Duterte’s office. If words could kill, there would be decimation in the upper echelons of government. This is no longer mere political theater. As the saying goes, when elephants fight, it’s the grass that suffers. The public’s growing frustration with their leaders drains the energy needed for national progress. Calls for people power are already surfacing on social media. While another Edsa revolution seems unlikely, the current climate of distrust and disillusionment only deepens the country’s political malaise. —————– [email protected] Subscribe to our daily newsletter By providing an email address. I agree to the Terms of Use and acknowledge that I have read the Privacy Policy .

This decision has sparked a wave of excitement among the fan community, who see it as an opportunity to leave their mark on the virtual world of Life of Valor. Players are already brainstorming ideas for new quests, characters, and environments, eager to showcase their creativity and contribute to the game's evolving narrative. The promise of being able to see their creations come to life within the game has ignited a sense of passion and camaraderie among the players, as they work together to push the boundaries of what is possible within Life of Valor.Aaron Judge wins second AL MVP in 3 seasons. Shohei Ohtani expected to win NL honorHowever, despite the intense speculation, Enmecha himself has made it clear that he has no intention of leaving Dortmund anytime soon. The youngster, who joined the German club from Manchester City's youth academy in 2019, has expressed his commitment to the team and his desire to continue his development under coach Marco Rose.

The recent setbacks suffered by Real Madrid have sent shockwaves through the footballing world. With their hopes of Champions League glory hanging in the balance, the pressure is mounting on the players and coaching staff to turn their fortunes around. Every setback is an opportunity for redemption, and for Real Madrid, the match against Inter Milan represents a chance to prove their resilience and fighting spirit.The fearless Contract Ant E-sports National Challenge has come to a successful conclusion, and Team Answers has emerged victorious, claiming the peak of glory!

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