Can Having Mortgage Debt be Good for You?

first_img Related Articles Demand Propels Home Prices Upward 2 days ago Can Having Mortgage Debt be Good for You? Sign up for DS News Daily Servicers Navigate the Post-Pandemic World 2 days ago Is having debt a good thing?A new study by LendingTree found a correlation between mortgage debt and life expectancy, as higher debt relative to income is linked to higher life expectancy. “That trend reaffirms the idea that homeownership is ultimately a good thing—this is despite the fact that a mortgage is one of the biggest financial decisions and burdens a person will take on in their lifetime,” LendingTree states. Of the counties studied with the highest life expediencies, California’s Marin County had the highest average mortgage debt at $273,155, but the second-highest life expectancy at 83.17 years. Island living pays off, as Hawaii’s Kauai County has the highest life expectancy of the counties surveyed at 83.39 years. Homeowners in Kauai County  have an average of $93,019 of mortgage debt. Homeowners in Madison County, New York, have an average of $45,071 of mortgage debt and a life expectancy of 82.32 years. Counties that had the lowest life expediencies, mostly in the southern region of the house, had minimal mortgage debt. Walker County, Alabama, which had the lowest life expectancy of the counties studied, 71.41 years, had an average mortgage debt of $22,226.Three others Alabama counties—Talladega, Russell, and Etowah—had among the lowest life expectancies, but had mortgage debt of $32.627, $50,888, and $29,863, respectively. Texas’ Polk County had the lowest average mortgage debt at $19,645. Life expectancy in that county is 74.24 years—lower than the national average of 80 years. LendingTree states is analysis shows that those with higher incomes tend to take on less debt that those with lower incomes, with one exception. “The major exception is mortgages, which happens to be the only debt category which has the potential for value appreciation (though student loans can be used to increase income),” the report states. “The richest counties tended to have the highest mortgage-to-income ratios, while the poorest counties tended to have the overall highest debt-to-income ratios, excluding mortgages.” Data Provider Black Knight to Acquire Top of Mind 2 days ago About Author: Mike Albanese Tagged with: Mortgage Debt in Daily Dose, Featured, Loss Mitigation, News  Print This Post Previous: How a Tariff Reversal Can Impact Housing Next: Gauging Millennial Homebuying Knowledge Mike Albanese is a reporter for DS News and MReport. He is a University of Alabama graduate with a degree in journalism and a minor in communications. He has worked for publications—both print and online—covering numerous beats. A Connecticut native, Albanese currently resides in Lewisville. Mortgage Debt 2019-08-20 Mike Albanesecenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago The Best Markets For Residential Property Investors 2 days ago August 20, 2019 962 Views Governmental Measures Target Expanded Access to Affordable Housing 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago Share Save Home / Daily Dose / Can Having Mortgage Debt be Good for You? Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Subscribelast_img read more


Who will Man Utd face in play-off?

first_img Domestic finish: Second in Belgian league Best performance in Champions League: Runner-up 1977/78 Route to play-off: Beat Panathinaikos 4-2 on aggregate in third qualifying round Manager: Michel Preud’homme Danger man: Obbi Oulare – 19-year-old striker reportedly scouted by United last season. Scored final goal in this week’s 3-0 win over Pana. Verdict: Probably the most favourable draw for United even though the aggregate win over Panathinaikos should not be sniffed at. Team: CSKA Moscow (Russia) Domestic finish: Runners-up in Russian league Here, Press Association Sport looks at the five opponents United could face. Team: Club Brugge (Belgium) Manchester United will learn who they will take on in the Champions League play-off round on Friday. Best performance in Champions League: Quarter-finals 2009/10) Route to play-off: Beat Sparta Prague 5-4 on aggregate in third qualifying round Manager: Leonid Slutsky Danger man: Alan Dzagoev – a dangerous midfielder who has put the horrors of a massacre in his hometown of Beslan behind him to go on and become a star in Russia. Verdict: Not the most dangerous of opponents, but United will be looking to avoid a long flight to Russia. Team: Lazio (Italy) Domestic finish: Third in Italian league Best performance in Champions League: Quarter-finals 99/00 Route to play-off: Direct entry Manager: Stefano Pioli Danger man: Ravel Morrison – the former Manchester United youth product scored four goals in his first two games for Lazio in pre-season, but he is a doubt with an ankle problem. Verdict: Another one United will be looking to avoid. Lazio may not be the force they once were, but the club – and their passionate fans – will be desperate to make the group stages after an eight-year absence from the competition. Team: Monaco (France) Domestic finish: Third in French league Best performance in Champions League: Runners-up 2003/04 Route to play-off: Beat Young Boys 7-1 on aggregate in third qualifying round Manager: Leonardo Jardim Danger man: Stephan El Shaarawy – Swapped AC Milan for Monaco this summer. Scored a stunning solo effort on his home debut in the 4-0 win over Young Boys. Verdict: Probably the most dangerous opponents in the draw. Monaco knocked Arsenal out last year en route to the quarter-finals and have an array of talent among their ranks. Team: Rapid Vienna (Austria) Domestic finish: Second in Austrian league Best performance in Champions League: Semi-finalists 1960/61 Route to play-off: Beat Ajax 5-4 on aggregate in third qualifying round Manager: Zoran Barisic Danger man: Louis Schaub – 20-year-old attacking midfielder who scored twice in the shock 3-2 win over Ajax. Verdict: Definitely the team United will be hoping to draw. Squad lacks experience and depth. Press Associationlast_img read more


Colin Kaepernick: Did he understand the history of the position he played? (Oct. 16)

first_imgby J. Pharoah Doss, For New Pittsburgh CourierEx-NFL quarterback Colin Kaepernick became a controversial figure in 2016 after he knelt on the sideline during the national anthem to protest police brutality. After the season Kaepernick opted out of his contract with the San Francisco 49ers, no other team signed him. He filed a grievance against the NFL for collusion, and eventually the matter was settled out of court.Kaepernick hasn’t played football since.Recently, the media received a document written by Kaepernick’s agent. It said, “It’s difficult to think of another young player in NFL history with statistics and character as impressive as Colin’s not being given an opportunity to earn a spot on an NFL roster.” This statement made me wonder if Kaepernick fully understood the history of Black quarterbacks in the NFL.The first Black quarterback in the modern era of the Super Bowl was Marlin Briscoe. In 1968 Briscoe was drafted by the Denver Broncos. Briscoe played quarterback from youth football to college but the Denver Broncos converted him to a defensive back. When Denver’s starting quarterback got injured Denver started him for the last five games of the season. In that short stint Briscoe threw 14 touchdown passes and was a candidate for Rookie of the Year. Denver released him after the season. Briscoe bounced around the league as a wide receiver and never played quarterback again. While Briscoe started quarterback in Denver a reporter wrote, “Of the dozens of quarterbacks on the rosters of the 26 major league professional teams in the United States, Marlin is the only one whose skin is Black… But Marlin is not mainly interested in proving he can run the ball. What he’s trying to show them is that a Black man can run the ball club.”J. PHAROAH DOSS Like us at @NewPghCourier on Twitter The stereotype was Black players lacked the character for leadership and didn’t have the intelligence to play quarterback at the professional level.Kaepernick was born in 1987.The 1987 Washington Redskins became the Super Bowl champions. That team was quarterbacked by Doug Williams, the first Black quarterback to win the Super Bowl. But that didn’t put the stereotype to rest. Williams was a backup who replaced the starting quarterback after an injury and Williams didn’t start the following year. The question remained if teams could build an offense around a Black quarterback and be serious postseason contenders for the duration of that quarterback’s career. At the time there were only two other Black quarterbacks—Houston’s Warren Moon and Philadelphia’s Randall Cunningham. Both were struggling to have success, but Moon and Cunningham were fully aware of what failure meant, so it wasn’t an option. (Warren Moon became a Hall of Famer and Cunningham is a legend.)Over the next decade Black quarterbacks started to appear on NFL rosters. But the critics said these Black quarterbacks were runners, not passers, as well as poor game managers. One of the best to emerge was Philadelphia’s Donavan McNabb. In 2003, Rush Limbaugh resigned as a co-host of ESPN’s Sunday NFL Countdown after his controversial remarks indicating McNabb wasn’t a good quarterback and the media overrating him because he was Black. Limbaugh suggested there is a social desire for Black quarterbacks and Black coaches to do well and their mediocrity is overlooked.In 2007 McNabb appeared on HBO’s Real Sports and stated that there’s an element that doesn’t want Blacks to succeed at the quarterback position so Black quarterbacks have to do more than Whites. On a show called the Young Turks the host told his co-host that McNabb was wrong because times have changed. But a 2015 study revealed Black quarterbacks were twice as likely to be benched, or removed from play, than White quarterbacks, and broadcasters often attributed the success of Black quarterbacks to superior athletic skills while attributing the success of their White counterparts to superior intellect.The next year Kaepernick protested police brutality on the sideline.If Kaepernick understood the history of the Black quarterback he would have realized the myth of Black mediocrity still existed and he was in a position to make a contribution to its destruction. The struggle continued on the field, not on the sideline. But he took a knee and when quarterbacks do that, the game is over.last_img read more