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Pet passports for dogs, cats and ferrets to travel within UK ‘an outrage’Want more housing market stories from Lance Lambert’s ResiClub in your inbox? Subscribe to the ResiClub newsletter . Michael Zuber began building his rental property portfolio in Fresno, starting with his first properties in 2001. He sold off much of his real estate portfolio right before the 2008 housing bust and then reentered the market after home prices crashed. By 2018, Zuber had grown his portfolio to more than 170 rental properties and made the decision to leave his tech job in Silicon Valley to focus on his passion for helping others achieve similar success. His YouTube channel, One Rental at a Time , has since amassed more than 60,000 followers, most of whom are single-family landlords themselves. Zuber studies the financial and housing market every day and has become a leading voice in the mom-and-pop landlord space —which represents the largest share of rental-property owners in the U.S. | ResiClub ‘s Meghan Malas recently interviewed Zuber about his insights and approach. Interest rates have gone up a lot since early 2021, so a lot of institutional capital that was moving into the space has pulled back. However, we are still seeing, on a percentage basis, a good number of single-family landlord purchases from mom-and-pop single-family landlords. How are single-family investors still finding deals that pencil in this type of market? Mom-and-pop landlords have an advantage over Wall Street money because they’re far more nimble. They only need to find one property versus dozens, making it easier in today’s environment to find the needle in the haystack. Institutional investors these days focus on newer homes, often less than a decade old, with three or four bedrooms. Mom-and-pop landlords can target properties that don’t fit the institutional “buy” box, finding ugly ducklings or missed listings. And while institutions rely on technology to query the market for deals, mom-and-pop landlords network and evaluate deals locally. Back in June, a ResiClub -Groundfloor Housing Investor Survey found that 80% of real estate investor-landlords are concerned about home insurance shocks. What should single-family investors be mindful of on the insurance front? Insurance has become a front-and-center issue for landlords. For over 25 years, I could estimate my insurance costs within $20 or $30. But in the last two years, we started facing nonrenewals and cancellations. In California, there was a period when insurance companies were leaving the market altogether. For years, I had a fourplex where insurance was consistently around $1,900. When my provider refused to renew, the next carrier charged almost $3,200 for the same coverage. Thankfully, in the last six months, the rate shocks, cancellations, and nonrenewals seem to be easing. And if you’ve been in the game long enough, you’ve likely benefited from significant rent increases between 2020 and 2023. While insurance costs might have jumped 50%, those rent increases have often outpaced them. As long as you’re managing your units effectively, the higher insurance costs—while they hurt cash flow—are manageable. You’ve said before that today’s housing market resembles that of the early 1980s—a time of significantly strained housing affordability in the U.S.—can you explain why? Between 1978 and 1982, we saw a dramatic increase in rates, which sharply reduced transactions. I made this call in 2022 right after the Jackson Hole meeting, where Jerome Powell essentially said, “Pain is coming.” In my 54-year spreadsheet , you can see the pattern: From 1978 to 1981, existing home sales transactions went down 50%, but the median home price went up. In 2022, when I predicted a crash in housing transactions alongside rising [national home] prices, many dismissed it as foolish. Unfortunately, that’s exactly what occurred. Even before existing home sales—and new listings—plummeted in 2022, you said that the “Fed broke the housing market.” What did you mean by that, and is that still true heading into 2025? Traditionally, the housing market follows a normal cycle. First-time homebuyers purchase a home, stay for six to eight years, and then move up. This cycle operated consistently for 40 years. But consider someone who bought an entry-level home in 2020 or 2021. Today, it’s likely they could not afford their current home due to its price increase of 25% to 50%, let alone trade up for a better home. The math no longer works. The home they want to buy is $100,000 more expensive, and mortgage rates have jumped from 3% to 7%. As a result, the “move-up buyer” has effectively disappeared from the market. The lack of move-up buyers breaks the housing market because their activity represents two transactions—a sale and a purchase. Without them, entry-level housing stays frozen. The homes selling are higher-end or luxury properties, which skews the market. Median home prices appear higher because lower-priced homes aren’t [selling]. Comparing how many entry-level homes sold in 2019 or 2020 to sales in 2024 or 2025 shows a significant drop—around 30% fewer. This is what defines a broken housing market. What is your outlook for the housing market in 2025? My call for 2025 is essentially “higher for longer.” Rates might be lower at the end of the year than at the beginning, but on average, 7% seems likely. Almost no one with a 3% mortgage on an entry-level home will trade up to a 7% rate—it simply doesn’t make financial sense. As a result, 2025 will likely be another slow year with low transaction volume. I expect national home prices to stay flat, rising by 1% or 2% in 2025. I predict more new home sales in 2025, but square footage will shrink. Builders are likely to focus on smaller, entry-level homes. I also believe the incoming administration will work to make housing construction faster and cheaper, possibly offering incentives for building entry-level housing. I do not foresee any “free money” first-time homebuyer programs. The last thing the market needs is more demand; we need supply. If such a program materializes, my call for 2025 would be wrong, as it would disrupt the current dynamics. Many people see real estate as a way to build wealth for retirement, but they don’t want to manage properties forever. As someone who once owned over 170 rentals, when did you decide to downsize, and how did you plan your exit? You don’t have to self-manage. From the beginning, [my wife and I] chose to invest in a market two and a half hours away while working demanding full-time jobs. Property management was a necessity for us, so we found deals that could support paying a 10% management fee. While we no longer pay 10% today, having property managers from Day One has helped reduce the operational stress of direct management. That said, managing the manager is still essential. We’ve had to fire property managers, deal with theft, and oversee operations to ensure everything ran smoothly. However, we’ve never spoken directly to tenants, collected rent, or called for repairs. We’ve always paid someone else to handle those tasks. As you approach retirement, other considerations come into play. For example, should you sell older properties and use a 1031 exchange to acquire newer ones? Newer properties typically require less management, which can significantly reduce headaches. A 1031 exchange also allows you to consolidate multiple properties into a single, higher-quality asset.panaloko app download apk 。

Tungsten Parts Wyoming Notes Preliminary U.S. Determination on Chinese Tungsten Shot ImportsSaquon Barkley and the Philadelphia Eagles make their second-to-last road trip of the regular season Sunday to face Derrick Henry and the Baltimore Ravens. The NFC East-leading Eagles (9-2) have won seven in a row and play four of their final six games in Philadelphia, traveling only about 125 miles to visit the Ravens (8-4) this weekend and the Washington Commanders in Week 16. Sunday's game features the NFL's two leading rushers. Barkley (1,392 yards) and Henry (1,325) are far ahead of Green Bay's Josh Jacobs (944) in third place. Henry leads the league with 13 rushing touchdowns. Barkley (10) is tied for fourth and Philadelphia quarterback Jalen Hurts (11) tied for second. The matchup also features two of the top candidates for Most Valuable Player honors entering Week 13 in Barkley and Baltimore quarterback Lamar Jackson, who won his second MVP award last season. Their competition includes quarterbacks Josh Allen of Buffalo and Jared Goff of Detroit, with Allen widely considered the favorite. "Lamar Jackson and Derrick Henry are phenomenal football players that help their team win football games, and Jalen Hurts and Saquon Barkley are phenomenal football players that help their team win football games," Eagles coach Nick Sirianni said. "Excited about the opportunity this week because it's our next one. It will be a really good opponent, really well coached, good players, good atmosphere that will be there. Excited about the opportunity this week. And we're going to have to be on it against a really good team." The showdown at M&T Bank Stadium also pits Baltimore's No. 1 offense (426.7 yards per game) and No. 2 scoring offense (30.3 points per game) against Philadelphia's No. 1 defense (274.6) and No. 6 scoring defense (18.1). The Eagles have held seven consecutive opponents to under 300 total yards, while the Ravens have gained at least 329 yards of offense in all 11 games. Philadelphia is coming off a 37-20 road win over the Los Angeles Rams on Sunday night in which Barkley smashed the franchise record with 255 rushing yards. Baltimore also earned a prime-time win in Los Angeles, defeating the Chargers 30-23 in the "Harbaugh Bowl" on Monday night behind Jackson's three touchdowns (two passing, one rushing). Jackson said he's looking forward to the Barkley and Henry show. "I've known Saquon from high school. We were in the all-star game together and he jumped over somebody's head," Jackson recalled Wednesday. "So I've pretty much seen him before I even got to the league, college, anything. I've been knowing about Saquon, but Derrick Henry -- King Henry -- I'm with him every day and I'm seeing what he's capable of, so it's going to be a great matchup." Ravens linebacker Roquan Smith practiced Wednesday after sitting out Monday with a hamstring issue. Nose tackle Michael Pierce (calf) was designated to return from injured reserve. Tight end Charlie Kolar (broken arm) is out for several weeks and cornerback Arthur Maulet (calf) did not practice. The Eagles lost veteran defensive end Brandon Graham to a season-ending triceps injury Sunday. Wideout DeVonta Smith (hamstring) missed the win over the Rams and did not practice Wednesday. Neither did cornerbacks Darius Slay (concussion) or Kelee Ringo (calf). Philadelphia is 5-1 away from home this season -- 6-1 if you count their season-opening "home" victory against the Packers in Sao Paulo, Brazil. Baltimore is 4-1 at home. The Ravens hold a 3-2-1 lead in the series with the Eagles. They haven't met since Baltimore's 30-28 win in Week 6 at Philadelphia in 2020. --Field Level Media

Policing in Squamish’s Indigenous communitiesSACRAMENTO ST. (2-4) Holt 3-5 4-4 10, Brewer 4-5 0-0 10, Neal 4-12 0-0 12, Skytta 2-5 0-0 5, Vaughns 5-8 0-0 12, Nunn 0-4 4-5 4, Williams 2-9 0-2 4, Dioramma 2-8 2-2 6, Beatty 0-0 0-1 0, Wilson 0-0 0-0 0. Totals 22-56 10-14 63.

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Caerphilly County Borough Council has celebrated the official ‘groundbreaking’ on the former Oakdale Comprehensive School site. The development will be the first of its kind for the council offering affordable housing alongside homes available on the open market. Willmott Dixon will build 92 'eco' homes on the ‘Oakdale Place’ site. The development is being part funded by Welsh Government and work is due to finish in 2026. CCBC leader Cllr Sean Morgan said: “As well as providing high-quality homes that are affordable to run, our vision for Oakdale Place is to create a sustainable community where people choose to live. "We’re also committed to ensuring the significant investment being made delivers much wider benefits and leaves a legacy for local communities; our partnership with Willmott Dixon is vital to achieving this.” Cllr Shayne Cook, cabinet member for housing, said: “As the national housing crisis continues, there is a struggle to build homes quickly enough to meet demand. So we recognise that we need to think differently as a Council and find innovative ways to provide homes for those that need them. “Oakdale Place is an excellent example of this, by taking an unused brownfield site and transforming it into a community of energy efficient homes that, as well as helping meet increasing demand for social housing, will also offer opportunities for first time buyers get onto the property ladder through low-cost home ownership, in addition to open market sales.” Ian Jones, director at Willmott Dixon, said: “We are once again pleased to be working with local manufacturer ‘Caledan’ to Design and Construct the properties using a cutting-edge steel-frame panelised solution. "The construction standards at Oakdale promise modern, comfortable housing that prioritises resident comfort and environmental sustainability. We are proud to deliver this project, which will continue to benefit and serve the Caerphilly community.”

J Studios Introduction We wrote an article on Invesco S&P 500 Pure Growth ETF ( NYSEARCA: RPG ) back in March 2023. At that time, we noted its growth characteristics and its historical outperformance relative to the S&P 500 index. However, valuation was not Analyst’s Disclosure: I/we have no stock, option or similar derivative position in any of the companies mentioned, and no plans to initiate any such positions within the next 72 hours. I wrote this article myself, and it expresses my own opinions. I am not receiving compensation for it (other than from Seeking Alpha). I have no business relationship with any company whose stock is mentioned in this article. Seeking Alpha's Disclosure: Past performance is no guarantee of future results. No recommendation or advice is being given as to whether any investment is suitable for a particular investor. Any views or opinions expressed above may not reflect those of Seeking Alpha as a whole. Seeking Alpha is not a licensed securities dealer, broker or US investment adviser or investment bank. Our analysts are third party authors that include both professional investors and individual investors who may not be licensed or certified by any institute or regulatory body.

Brazilian police indict former President Bolsonaro and aides over alleged 2022 coup attemptTTD mulling automation AI chatbot for ''efficient'' pilgrim services

MISSISSAUGA, Ontario, Nov. 26, 2024 (GLOBE NEWSWIRE) -- Bird Construction Inc. (TSX: BDT) is pleased to announce the appointment of Evelyn Angelle to its Board of Directors (the “Board”), effective immediately. Ms. Angelle will fill a vacancy on the Board, bringing the total number of directors to 10. Ms. Angelle, a private investor, philanthropist and director, joins the Board with a distinguished background in public company finance and public accounting, having held senior leadership positions at Halliburton Company after a 15-year career in the audit practice of Ernst & Young LLP. A certified public accountant in Texas and certified management accountant, Ms. Angelle’s expertise will be instrumental as Bird continues to pursue its strategic growth initiatives. "We are delighted to welcome Evelyn Angelle to our Board of Directors," said Paul Raboud, Chairman of Bird Construction Inc. "With her extensive experience in public accounting and senior financial roles as well as her knowledge of supply chain management and investor relations, we are confident that she will make significant contributions to our Board and its Committees as we continue to execute on our strategic priorities and drive value for our shareholders." Ms. Angelle will immediately join the Board’s Audit Committee and Health, Safety and Environment Committee. Mr. Richard Bird will continue to serve as Audit Committee Chair in an interim capacity. About Evelyn Angelle Ms. Angelle is an independent corporate director. She currently serves as a director of Forum Energy Technologies, Inc. (NYSE: FET), where she chairs the Audit Committee and is a member of the Nominating, Governance and Sustainability Committee. Ms. Angelle also serves as a member of the Board of Directors, and as a member of the Audit Committee, of STEP Energy Services, Ltd. (TSX: STEP), an oilfield services company. Ms. Angelle serves on the Board of Managers of Amp Americas II Holdings LLC, a privately held renewable natural gas company, where she chairs the Audit Committee. Through her career, Ms. Angelle served in numerous executive roles, including as Executive Vice President and Chief Financial Officer of BJ Services Company LLC, and Senior Vice President, Supply Chain, for Halliburton. Prior to that, she served as Senior Vice President and Chief Accounting Officer, and Vice President of Investor Relations, both with Halliburton. Before joining Halliburton, Ms. Angelle worked for 15 years in the audit practice of Ernst & Young LLP, specializing in serving large, multinational public companies. She is a graduate of St. Mary’s College (Notre Dame), where she holds a degree in Accounting. Additionally, she holds a certificate in Cyber Security Oversight from Carnegie Mellon University. Beyond her corporate roles, Ms. Angelle is actively engaged in charitable organizations, serving on the Board of Directors and executive committees of Junior Achievement of Southeast Texas and Junior Achievement USA. Ms. Angelle is a member of the National Association of Corporate Directors (NACD), where she was awarded the distinguished Board Leadership Fellow designation. "I am honored to join the Board of Directors at Bird Construction Inc. and look forward to working with the Board and management team to support the company’s strategic vision," said Ms. Angelle. "I am excited to become part of Bird’s strong 100-year foundation and to build on its tradition of trust." The Toronto Stock Exchange does not accept responsibility for the adequacy or accuracy of this release. For further information contact: T.L. McKibbon, President & CEO or W.R. Gingrich, CFO Bird Construction Inc. 5700 Explorer Drive, Suite 400 Mississauga, ON L4W 0C6 Phone: (905) 602-4122 investor.relations@bird.ca About Bird Construction Bird (TSX: BDT) is a leading Canadian construction and maintenance company operating from coast-to-coast-to-coast. Servicing all of Canada's major markets through a collaborative, safety-first approach, Bird provides a comprehensive range of construction services, self-perform capabilities, and innovative solutions to the industrial, buildings, and infrastructure markets. For over 100 years, Bird has been a people-focused company with an unwavering commitment to safety and a high level of service that provides long-term value for all stakeholders. www.bird.ca

By GABRIELA SÁ PESSOA and MAURICIO SAVARESE, Associated Press SAO PAULO (AP) — Brazil’s federal police said Thursday they indicted former President Jair Bolsonaro and 36 other people for allegedly attempting a coup to keep him in office after his defeat in the 2022 elections. Police said their findings were being delivered Thursday to Brazil’s Supreme Court, which must decide whether to refer them to Prosecutor-General Paulo Gonet, who will either formally charge Bolsonaro and put him on trial, or toss the investigation. The former right-wing president has denied all claims he tried to stay in office after his narrow electoral defeat in 2022 to his rival, leftist President Luiz Inácio Lula da Silva. Bolsonaro has faced a series of legal threats since then. Police said in a brief statement that the Supreme Court had agreed to reveal the names of all 37 people who were indicted “to avoid the dissemination of incorrect news.” The 700-page police document likely will take several days for the court to review, Supreme Court justice Alexandre de Moraes said. Dozens of former and current Bolsonaro aides also were indicted, including Gen. Walter Braga Netto, who was his running mate in the 2022 campaign; former Army commander Gen. Paulo Sérgio Nogueira de Oliveira; Valdemar Costa Neto, the chairman of Bolsonaro’s Liberal Party; and his veteran former adviser, Gen. Augusto Heleno. The investigation started last year. On Tuesday, four military men and one federal police agent were arrested as part of the same probe . Other investigations focus on Bolosnaro’s potential roles in smuggling diamond jewelry into Brazil without properly declaring them, and in directing a subordinate to falsify his and others’ COVID-19 vaccination statuses. Bolsonaro has denied any involvement in either. Another probe found that he had abused his authority to cast doubt on the country’s voting system, and judges barred him from running again until 2030. The far-reaching investigations have weakened Bolsonaro’s status as a leader of Brazil’s right wing, said Carlos Melo, a political science professor at Insper University in Sao Paulo. “Bolsonaro is already barred from running in the 2026 elections,” Melo told the The Associated Press. “And if he is convicted he could also be jailed by then. To avoid being behind bars, he will have to convince Supreme Court justices that he has nothing to do with a plot that involves dozens of his aids. That’s a very tall order,” Melo said. On Tuesday, the federal police arrested four military and a federal police officer accused of plotting to overthrow the government following the 2022 elections, including alleged plans to kill Lula and other top officials.India News | CMs, State Ministers to Join over 100 Indian CEOs in Davos Next Month