united states – Daytime Emmys http://daytimeemmys.tv/ Sat, 26 Mar 2022 13:32:25 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://daytimeemmys.tv/wp-content/uploads/2021/10/icon-27-120x120.png united states – Daytime Emmys http://daytimeemmys.tv/ 32 32 Accenture showcases its smart home energy tracking platform at #MWC22, Sustainability https://daytimeemmys.tv/accenture-showcases-its-smart-home-energy-tracking-platform-at-mwc22-sustainability/ Mon, 07 Mar 2022 17:33:05 +0000 https://daytimeemmys.tv/accenture-showcases-its-smart-home-energy-tracking-platform-at-mwc22-sustainability/ Among the many sustainability-related proposals showcased at this year’s Mobile World Congress, Accenture showcased a smart home platform that can track the energy efficiency of home devices and help communications service providers develop new managed service offerings for their consumer customers using their 5G and IoT networks. -How? ‘Or’ What. The platform uses artificial intelligence […]]]>

Among the many sustainability-related proposals showcased at this year’s Mobile World Congress, Accenture showcased a smart home platform that can track the energy efficiency of home devices and help communications service providers develop new managed service offerings for their consumer customers using their 5G and IoT networks. -How? ‘Or’ What.

The platform uses artificial intelligence (AI) and machine learning (ML) capabilities to track multiple aspects of appliances used in a home, from the warranty of a light bulb to the temperature of a fridge and even the the use of kWh for decades. – old toaster. This data feeds into a dashboard that can show in detail, room by room, what drives energy consumption and how users can reduce their consumption and, respectively, their monthly electricity bill.

“Even if you have an old toaster from the 1980s, we can get it from the home network device…and if you’re using renewable energy and you have solar on top of that , 5G will detect [this] via the home platform” and advise on the best time to schedule the washing machine – perhaps during the day when the sun is shining rather than at 8 p.m. in the evening when energy rates can be higher – to balance consumption and improve efficiency, says Albert Tan, managing director of network services for Accenture in the ASIAM region (ANZ, Southeast Asia, India, Africa and the Middle East) and global head of sustainability for its communications and media industry.

According to Accenture, the platform will enable operators to offer their customers the right set of platform performance insights and ensure they are using the right set of services.

The platform is being tested by a few operators in North America where consumer demand is very high, according to the company.

Accenture is deciding whether the platform will be offered as a plug-and-play solution that service providers can brand and use or something that can be used as the basis for a carrier-specific offering. Either way, it’s designed to position communications service providers as businesses that can help their customers track and manage their energy usage. “We believe in the mantra that telecom operators can be an enabler and amplifier of energy efficiency,” Tan noted.

He explained that telecom operators with a “really good 5G network” can deploy such tracking platforms as part of their IoT service for energy efficiency in buildings, homes and transportation systems. smart.

He cited data from a recent study he co-authored with CTIA, which found that 20% of carbon emissions reduction in the United States by 2050 could be saved through 5G and, more specifically, intelligent transportation automation , remote work and smart buildings, among others. “Everyone will set a goal – the real measure is, how fast do they achieve it per year?” Tan added.

On this point, he highlighted Accenture’s efforts in creating a dashboard with different software vendors “to not only track and set a target for ESG [environmental, social and governance]“, but also “implement and manage KPIs as an objective” and understand the performance of a company on energy consumption.

The company also develops telecom network design and optimization tools that collect data to see how the network is performing and where telecom operators can improve efficiency. “We’ve taken this whole ecosystem…in partnership with everyone who is actually in the region, and bundled it into a one-stop-shop value proposition,” Tan noted.

As for Accenture itself, it also tracks its own environmental impact, as well as social and governance aspects through its Value 360 reporting experience.

– Yanitsa Boyadzhieva, Deputy Editor-in-Chief, TelecomTV

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The 10 oldest game shows feature a few surprises https://daytimeemmys.tv/the-10-oldest-game-shows-feature-a-few-surprises/ Wed, 02 Feb 2022 19:05:02 +0000 https://daytimeemmys.tv/the-10-oldest-game-shows-feature-a-few-surprises/ Game shows are a proud tradition on television. Generations of viewers have watched the contestants compete for fabulous prizes. Which show ran the longest? Let’s find out. Wonders of two decades Who Wants to Be a Millionaire Many of the most iconic game shows had relatively brief continuous sequences. Who Wants to Be a Millionaire […]]]>

Game shows are a proud tradition on television. Generations of viewers have watched the contestants compete for fabulous prizes. Which show ran the longest? Let’s find out.

Wonders of two decades

Who Wants to Be a Millionaire

Many of the most iconic game shows had relatively brief continuous sequences. Who Wants to Be a Millionaire was like a supernova. With Regis Philbin at the helm, ABC began airing it several nights a week. The series became overexposed, but its daytime version lasted 22 years. ABC just announced that there is no plans to continue make new episodes, but the IP may not go away forever. As it stands, it’s the tenth oldest game show of all time.

Password

Reaching 23 is Password. Allen Ludden, beloved husband of Betty White, hosted the series well into the 1980s. Philbin hosted Million Dollar Password in 2008. Its simple principle has even occasionally become Tonight’s show segment. Every few years another network brings the series back, so maybe a new reboot is on the horizon.

what is my line

what is my line was one of the very first successful television shows. His run began in 1950 and ended, after a brief layoff in 1967, in 1975. It spanned from Harry Truman to Gerald Ford. The structure is still popular, and Nickelodeon gave it its own twist with To understand. The seventh oldest program is Pyramid, with Dick Clark dominating the franchise. Michael Strahan is currently hosting.

Let’s make a deal

Monty Hall and Wayne Brady present the sixth longest-running game show of all time: Let’s make a deal. The show also had an impact in mathematics, with the Monty Hall problem confuse students on a daily basis.

The Top 5

family quarrel

At number five is the pseudo-Matching game spin off family quarrel. Louie Anderson, Richard Dawson and Steve Harvey are just a few of the iconic faces to host the show. Harvey really helped turn the show from an afterthought into a critical force, and the show has never been more popular.

Wheel of Fortune

Flash news: we are approaching 50 years of Wheel of Fortune. For 46 years and with over 7,000 episodes, Pat Sajak and Vanna White still preside over the beloved series. It’s seamlessly translated into video game after video game

Peril!

Ken Jennings and Mayim Bialik currently account for the third longest-running game show of all time: Peril!. If last year’s drama taught us anything, it’s that people still care deeply about the show where contestants have all the answers and need to ask the questions.

A little difference

If you’re French or even British, the second oldest game show won‘t come as a surprise. Americans, however, may be shocked. Numbers and letters, or “Numbers and Letters” have been broadcast on French television for more than 54 years. It was the inspiration for Countdown and, of course, 8 out of 10 cats do a countdown. It’s an addictive show to watch at home, but it never took off in the United States.

The price is right

So what is the longest running game show of all time? The price is right of cours. The daytime staple ran in its original incarnation from 1956 to 1965, then was rebooted with Bob Barker in 1972 before Drew Carey took over nearly 15 years ago. It’s been a hit ever since. The retro style and excitement of the show has been the love of sick children and doctors’ offices around the world. Dozens of countries also offer their own versions.

more interesting things

Before “Wheel Of Fortune,” Vanna White was a contestant on another legendary game show (see how she does!)

The bizarre tragedy linking Alex Trebek and the first “Jeopardy!” Host Arthur Fleming

Steve Harvey has previously warned ABC bosses against being ‘politically correct’ on his new judge show

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Comedian and Emmy winner Louie Anderson has died aged 68; Benztown honors with audio… https://daytimeemmys.tv/comedian-and-emmy-winner-louie-anderson-has-died-aged-68-benztown-honors-with-audio/ Fri, 21 Jan 2022 20:17:00 +0000 https://daytimeemmys.tv/comedian-and-emmy-winner-louie-anderson-has-died-aged-68-benztown-honors-with-audio/ Benztown honors with an audio tribute BENZTOWN has produced an audio tribute in honor of comedian and actor LOUIE ANDERSON, who died today (1/21) at age 68 in a LAS VEGAS hospital from complications of NON-HODGKIN’S LYMPHOMA. ANDERSON, born MARCH 24, 1953, was the 10th of 11 children. His father played trumpet with HOAGY CARMICHAEL. […]]]>

Benztown honors with an audio tribute

BENZTOWN has produced an audio tribute in honor of comedian and actor LOUIE ANDERSON, who died today (1/21) at age 68 in a LAS VEGAS hospital from complications of NON-HODGKIN’S LYMPHOMA.

ANDERSON, born MARCH 24, 1953, was the 10th of 11 children. His father played trumpet with HOAGY CARMICHAEL. ANDERSON’s early jobs included counseling troubled children, but he changed his career trajectory after winning a Midwestern comedy contest in 1981, where comedian HENNY YOUNGMAN was host. YOUNGMAN hired ANDERSON as a writer, and he later gained stand-up experience on stages across the United States. He had a four-decade career that included his EMMY-winning performance as CHRISTINE BASKETS, mother of twins, on the FX television series BASKETS. He won the EMMY Best Supporting Actor award in 2016 and received three consecutive EMMY nominations for the role.

ANDERSON’s big breakthrough came in 1984 when JOHNNY CARSON asked him to star in THE TONIGHT SHOW. He hosted a revival of the game show FAMILY FEUD from 1999 to 2002 and appeared frequently on television comedy specials and other late night talk show appearances. He also voiced an animated version of himself as a child in LIFE WITH LOUIE, a cartoon series that won the PRIX HUMANITAS and earned ANDERSON two Daytime EMMY Awards for his performance. ANDERSON has made several TV appearances on shows including TOUCHED BY AN ANGEL and SCRUBS and starred in the 1988 EDDIE MURPHY film COMING TO AMERICA and last year’s sequel. ANDERSON has also published several books. He is survived by a family including two sisters.

The BENZTOWN tribute was written and voiced by BILL ROYAL and produced by ROYCE STEVENSON. Click here to Listen.

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Blue Sky Amusements has best season in 45 years – Show looks to add gear https://daytimeemmys.tv/blue-sky-amusements-has-best-season-in-45-years-show-looks-to-add-gear/ Wed, 19 Jan 2022 17:40:49 +0000 https://daytimeemmys.tv/blue-sky-amusements-has-best-season-in-45-years-show-looks-to-add-gear/ Blue Sky Amusements had a banner year in 2021. After being in the business for over 40 years, show owner Bill Reiss can confidently say this has been the best season he has ever seen. . However, despite community support and increased revenue, Reiss still faced a host of challenges when deciding to open his […]]]>

Blue Sky Amusements had a banner year in 2021. After being in the business for over 40 years, show owner Bill Reiss can confidently say this has been the best season he has ever seen. . However, despite community support and increased revenue, Reiss still faced a host of challenges when deciding to open his show and run in 2021 after a canceled 2020 season.

“We operated a partial route in 2021, many of my fire department and church dates were canceled and we rushed to fill those weeks in malls and smaller places, says Reiss. “With good promotion, we performed very well in these new locations. And the fire and church spots that ran in 2021 were all up nearly 50%. Canceled events weren’t the only challenges Reiss faced as he prepared to reopen. He bought a ride in 2020 about two weeks before the Covid-19 pandemic hit the United States. Working with an overseas ride manufacturer, Reiss put a $25,000 deposit on the ride and was unable to get his money back even though he never took delivery of the equipment. “Personally, I will no longer do business with any foreign company. I cannot have recourse against them. They tried to tell me they would catch me when the pandemic was over, but then I really could have used the money since we were staying home the rest of the year, says Reiss. .

In 2020, Blue Sky Amusements’ scope of business was a $1,200 rental for its performance hall to complete a project that required older rides for a ghost amusement park. “We knew 2021 had to be different,” says Reiss. Fortunately, he was able to recruit the H-2B employees he relies on every year.

“Thank goodness,” Reiss said. “Without them, we would be bankrupt. I only have about five American employees. Nobody wants to work. My H-2B employees are fantastic, but every year I have to worry about whether I’ll get them or not. Like all carnival owners in 2021, Reiss struggled to find qualified drivers to pull loads. He tried to hire at $45-$50 an hour and still had problems.

Looking ahead to 2022, Reiss has kept all of its old accounts and even taken over new fairs. “We will be working with Reithoffer Shows at the New Jersey State Fair,” says Reiss. Blue Sky Amusements used to travel along the East Coast, but now it travels at most 100 miles in each direction. “I follow the ‘keep it small and keep it all’ philosophy,” he says. At its 2021 events, Reiss has made a special effort to ensure guests feel safe at its events. “We sprayed the rides to sanitize them and had hand sanitizer stations available at every ride and food stall. Our employees were masked and we encouraged guests to wear masks which we made available free of charge at our counters,” he says. The public response was certainly encouraging, and Reiss recalls feeling that people were excited to come out and have fun. “Quarantines and lockdowns were unbearable for many families. People had money for carnival and wanted to spend it,” he says. Labor shortages created problems and rides often had to be closed due to lack of employees, but revelers were patient and understanding.

Based on his 14-acre lot in East Moriches, Long Island, Reiss balances business and pleasure. “I can hunt deer in my garden in the morning and fix rides during the day. We do a lot of work in New Jersey and some on Long Island, but I stay out of town,” he says. Reiss runs the show with his family, including his wife, Susan; children Billy, Michael and Catherine; sister-in-law, Kathleen Keffas and her husband John; brother-in-law Steve; and grandson and granddaughter. Currently, Blue Sky Amusements has nearly 36 rides as well as several food stalls and games. “We have very few independent operators around us and really keep that in the family. My wife owns the ice cream and cotton candy stands, my son Billy has a taco stand, and my daughter had a duck pond and water gun games,” says Reiss.

Billy & Daughter Quinn, Susan & Bill and Michael Reiss attend the 2020 Gibtown Show

Describing himself as a man of his word with high standards for his family and employees, Reiss believes that if he puts on a good quality show, events and opportunities will keep coming. Most Blue Sky Amusements events have been on the course for almost 40 years. “Our churches and fire departments have been using our show for a long time. They appreciate our equipment and our employees. I enforce strict uniform guidelines and make sure everyone is polite, courteous and clean. I also demanded that my employees be vaccinated against Covid,” explains Reiss.

Ahead of the start of the 2022 season, Reiss is grateful to be back in winter quarters and ready for a break. “I will be 70 this year. I had to cram in the truck and pull a lot of loads this season,” says Reiss. His brothers-in-law Steve and John, and his sons Billy and Michael run the day-to-day operations of the two units of Blue Sky Amusements. “They do a great job for the show and we’re one big happy family running this business together,” Reiss says.

Blue Sky Amusements usually begins the season in April and runs through August with Churches and Firefighters, then ends the season with fairs through the second or third week of October. “I hope we will have the same number of people and income as this year, but it all depends on Covid,” says Reiss. To complete his arsenal of rides, Reiss is looking to buy something new but only wants to buy from an American company due to the incident he had with a foreign company in 2020. While he’s back at home, Reiss plans to redo a few of his standard rides: his Chance Carousel and his bumper cars. “I just sent my Zipper in to be rebuilt by Mike Featherston for this coming year. It will be like new,” he says.

“It’s good to make money, but it’s also good to sit back and relax after 45 years. I paid my dues in this company,” says Reiss. He started out as a 10-year-old looking for a job when Carnival came to Patchogue. John Taylor was a dealership running games who gave Reiss his first job. “I think I had $1 a day and any dinner I wanted,” Reiss says. He then worked for a gentleman in New York who held a carnival alongside his work at the NYPD in the 1960s. Eventually Reiss branched out in 1981 and, with a partner, built Silver Dollar Shows. “We broke up in 2003 and went our own way,” Reiss explains. For him, the entertainment business is valuable; “I met my wife at a tipping tournament at the Green Lawn fire fair. I was leading the ride and this girl and her three friends cut the line and I just had to meet her. It was there is 47. I still have that tilt-a-whirl now,” says Reiss. Currently, Reiss is sitting at home spending time with his granddaughter, Quinn, and grandson, Kaidon spending quality family time before the hard work begins again.

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Winnebago prepares to show off America’s first all-electric motorhome https://daytimeemmys.tv/winnebago-prepares-to-show-off-americas-first-all-electric-motorhome/ Sat, 15 Jan 2022 05:07:33 +0000 https://daytimeemmys.tv/winnebago-prepares-to-show-off-americas-first-all-electric-motorhome/ We’re only two weeks away from 2022, and it’s already been a pivotal year for electric campers. Winnebago followed Mercedes-Benz and Thor Industries in announcing plans to show off an all-electric motorhome. Scheduled to debut in just days, the Winnebago electric motorhome concept could become the United States’ first all-electric motorhome from a major manufacturer, […]]]>

We’re only two weeks away from 2022, and it’s already been a pivotal year for electric campers. Winnebago followed Mercedes-Benz and Thor Industries in announcing plans to show off an all-electric motorhome. Scheduled to debut in just days, the Winnebago electric motorhome concept could become the United States’ first all-electric motorhome from a major manufacturer, assuming it matures from concept to production.

Winnebago explains that the future electric motorhome concept was developed by the company’s Advanced Technology Group (ATG) over a two-year period. ATG was established within Winnebago Industries in 2019, tasked with identifying and developing emerging technologies for use in the company’s products and services. The 2022 electric motorhome concept will be the first public example of its work, Winnebago said.

That’s about all the details of the vehicle Winnebago is giving away so far, inviting a few days of speculation about what kind of motorhome it will be. The most obvious choice would be a motorhome (class B motorhome) as it would be smaller, lighter and easier to drive than a larger class A or C motorhome. The Winnebago front grille, headlight and bumper lines teased above align with the Ford Transit, a van that currently features in the Winnebago Ekko Class B+/C motorhome and has featured in the former Winnebago motorhomes.

The Ford Transit-based Winnebago Ekko motorhome is not fully electric, but it offers a powerful off-grid electrical system with up to 640 amp-hours of solar-charged lithium battery

winnebago

Ford announced in November that it had begun shipping pre-production versions of its 126-mile (202 km) E-Transit to U.S. commercial customers. The pilot program was designed for companies to test operations within their fleets. Although it seems outside the stated scope of this program, Winnebago may have received one of these early examples and done some quick work to develop it into a concept motorhome.

It’s also possible that Winnebago’s concept is based on an ICE Transit converted to electric drive by an aftermarket company, such as Colorado’s Lightning eMotors. This would fit better with the two-year development cycle and could help Winnebago sweeten the spec sheet. Lightning boasts of a few advantages its aftermarket versions offer over Ford’s official E-Transit, and not the least among these are range options of 140 and 170 miles (225 and 273 km), an extra distance that would be very useful in a motorhome. The higher gross vehicle weight rating (GVWR) of the Lightning kit would be another major benefit for a motorhome.

The Ford E-Transit front end for reference and comparison;  Penske was one of the first commercial customers to take delivery of the E-Transit...maybe Winnebago was too?

The Ford E-Transit front end for reference and comparison; Penske was one of the first commercial customers to take delivery of the E-Transit…maybe Winnebago was too?

Ford

Winnebago Industries has already chosen to work with a third-party electric Ford chassis converter. In 2018, it announced its Specialty Vehicles division’s work with Motiv Power Systems in creating Class A electric utility vehicles. These vehicles have since found use for purposes such as urban mobile healthcare and learning. Motiv advertises EPIC (Electric Power Intelligent Chassis) products based on several Ford chassis, but not the Transit.

We’ll save our time and yours on any further speculation because we’ll know all about the Winnebago electric concept motorhome in less than four days. Winnebago will host a Facebook Live Reveal at 2 p.m. on Tuesday, January 18, the Florida RV SuperShow Industry Day. The Tampa-based show opens to the public on Wednesday, January 19 and runs through Sunday, January 23.

We’ll have more details on the all-electric Winnebago concept when it makes its official debut.

Source: Winnebago

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How to Get a Home Loan With Bad Credit: 6 Steps to Take https://daytimeemmys.tv/how-to-get-a-home-loan-with-bad-credit-6-steps-to-take/ Tue, 11 Jan 2022 18:14:49 +0000 https://daytimeemmys.tv/?p=670 Photo: istockphoto.com Read any article about how to get a home loan and the first thing you’ll see is “check your credit!” As you dig into the home loan process, you’ll find that almost every part of it is connected to your credit score: whether you can even get a loan, the interest rates, the […]]]>



Photo: istockphoto.com

Read any article about how to get a home loan and the first thing you’ll see is “check your credit!” As you dig into the home loan process, you’ll find that almost every part of it is connected to your credit score: whether you can even get a loan, the interest rates, the terms, and the kind of insurance you’ll have to add.

If you have bad credit, home loans can be hard to come by, but what constitutes a bad credit score? Most lenders view a FICO score between 670 and 739 as “good,” and scores between 580 and 669 as “fair.” Borrowers in those categories can usually secure a traditional home loan, though borrowers on the lower end may find themselves paying for mortgage insurance. If your score is below 580, you’ll have some challenges acquiring a home loan, and a score below 500 may make it almost impossible. Repairing your credit is something you can usually accomplish, but with negative statements on your credit remaining in place for 7 years, it could be a very long process. What if you’re ready to buy a home now and have the money to do so, but you’re being held back as a result of your credit? There are a number of steps you can take to increase your odds of borrowing to buy a home.

Before You Begin…

How to Get a Home Loan With Bad Credit

Photo: istockphoto.com

In order to get a home loan if your credit isn’t impressive, you’ll need to seek out programs or grants designed to help borrowers with the resources but not the history to take out a loan as you figure out how to buy a house with bad credit. However, you’ll want to be careful as you explore the various options. First, make sure that you take a close look at each program, and wait to actually apply for any until you’ve investigated them all and decided which ones are the best for you. When you start applying for home loans, all the applications within a 30-day period count as one credit inquiry because the credit bureaus know that you’re applying for what will eventually be one loan. If you go beyond that 30-day period, however, multiple inquiries into your credit history can negatively affect your credit rating, and if you’re already struggling to get a loan with your current credit score, you don’t want to push it even lower.

Secondly, as you research and see what the options are, think carefully about whether you actually want to take advantage of the options available to you. Especially if your negative credit is older, you may be able to get better rates and terms simply by waiting another year or two to bring up your credit score before you buy. Some loans that are aimed at lower-credit buyers are legitimate and will carefully assess your financial situation to make sure you’re not taking out a loan you can’t pay back. Other programs offer bad credit mortgage loans, or what are known as subprime mortgages. These are mortgages for which you’ll pay an exorbitantly high interest rate or only be offered an adjustable-rate mortgage, where the payments will be manageable for a few years, and then the rate will jump higher and you’ll suddenly have to pay much more each month. These loans lure borrowers in with a sense that they can get into a house and either find a way to manage once the rate hike happens or refinance out, but if you’re unable to do that, you can lose your home and further damage your credit. Choose carefully, and make sure you can really afford to make the payments you’re committing to before closing on any loan.

Tips for Getting a Home Loan With Bad Credit

  • Access your credit reports from all three agencies to check for errors
  • Take the time to speak with agents for several lenders
  • Be patient. It’s going to take a little more effort and time than it would if your credit was excellent, but it will likely pay off in the end.

How to Get a Home Loan With Bad Credit

Photo: istockphoto.com

STEP 1: There are some loans with lower credit score minimums to consider, such as an FHA loan, VA loan, USDA loan, and more.

Several programs guaranteed by the federal and state governments are legitimate sources of information about home loans for bad credit. Before these programs existed, homeownership was a privilege only afforded to those who had savings for a substantial down payment, significant income, and excellent credit. Buyers who were missing any of those pieces were regarded by lenders as too risky: Low down payments meant lenders would lose money if they had to foreclose and sell a home, lower income reduced the chances that a borrower would be able to make consistent monthly payments, and a checkered credit history suggested that the borrower had had problems paying their debts in the past. Some lenders did offer loans to less-than-ideal borrowers, but few lenders that offer bad credit mortgage loans guaranteed approval, so applying would damage the buyer’s credit with little hope of success. These standards were preventing quite a few buyers who were capable of making payments from taking out loans. Homeownership adds stability to the economy, so several government agencies, including the Federal Housing Administration (FHA), the United States Department of Veterans Affairs (VA), the United States Department of Agriculture (USDA), and a number of state and local agencies saw the opportunity to get more people into homes by securing their loans, reducing the risk to lenders.

FHA loans allow buyers with smaller down payments or lower credit scores to qualify for home loans. The FHA saw a contingent of buyers who were fully able to make payments, but due to high rent and sometimes lower income, had been unable to save up a large enough down payment and had possibly struggled to make ends meet in the past. Lenders saw these buyers as too risky, so the FHA developed its own loan program. It guarantees the loans, so if a borrower defaults on their mortgage, the FHA will cover the funds lost by the lender, making it safer for lenders to extend loans to borrowers with bad credit and lower down payments. The parameters are specific: For buyers with credit scores of 580 or higher, the minimum down payment is only 3.5 percent, but buyers with scores as low as 500 can get a loan if they can scrape together a 10 percent down payment. Scores below 500 will not be able to qualify for this program. FHA loans do include mortgage insurance payments each month that cannot be canceled until the loan is paid off or refinanced, so some of your monthly payment will go toward that insurance instead of your loan balance.

Service members in all the branches of the United States military face special challenges when it comes to home buying. Long deployments, sudden reassignments, and the comparably lower pay scale for enlisted members can mean frequent (and sudden) moves. Service members and their families may struggle with down payments, especially if they find themselves in a situation where they’re trying to sell a home in one location when they’ve been suddenly transferred to another—so they’re still paying a mortgage on a home they no longer live in. And while some veterans make the transition to civilian life easily, it’s not always a smooth or swift path, which can lead to financial instability. The VA offers a home loan program to veterans, active service members, and the surviving spouses of service members that helps make home buying easier. Similar to the FHA program, the VA guarantees a part of the loan, making it less risky for lenders to approve mortgages for eligible members even if their credit scores are low. It’s possible to get a VA loan even if you have a bankruptcy on your credit report, and often you can get a VA loan with no down payment at all.

The USDA loan program has two objectives: helping lower-income buyers get into homes sooner and repopulating rural areas to increase productivity and economic stability in those areas. The parameters for these loans are quite specific: The home must be in a designated rural area, and the buyers must meet income parameters that vary by location. There are two types of USDA loans: The first is achieved through USDA-approved lenders, in which the USDA guarantees the load to offset the lender’s risk, and the other is acquired directly from the USDA. Buyers with credit scores of at least 640 can get a loan through a lender, but there is no minimum credit score required for a loan taken directly from the USDA and no down payment required for either type.

Two other programs operate a bit differently: Fannie Mae’s HomeReady loan program and Freddie Mac’s Home Possible loans are disbursed directly from Fannie Mae and Freddie
Mac, rather than being issued through other lenders and guarantees. HomeReady is aimed at borrowers without credit scores—those who haven’t taken loans or used credit significantly enough or for long enough to generate a credit score. Borrowers who don’t have standard paperwork documenting income and assets can also take advantage of this program, such as independent contractors or freelancers. Borrowers in this program can use other sources to demonstrate their ability to make timely payments, such as stubs from utility and bill payments and bank statements. This program only requires a 3 percent down payment, but down payments lower than 20 percent will require private mortgage insurance. Home Possible loans are also focused on buyers without credit histories, but they require a 5 percent down payment and also require private mortgage insurance for down payments less than 20 percent.

STEP 2: Boost your approval chances by increasing your down payment, decreasing your debt and DTI, and more.

If your credit score is the only significant negative in your loan application package, lenders are more likely to see it as just one component of your financial package and will look to your other strengths to balance it out. If, however, the rest of your application also has numbers that skate close to the line, you’ll look like a much bigger risk. Your credit will take the longest to improve, so while you continue to focus on that, you can take immediate steps to bolster the rest of your package.

First, work hard to build your down payment because higher down payments signal lower risk to lenders—the more of your home you have paid for outright, the less they stand to lose if you default. In addition, a higher down payment reduces the likelihood that you’ll have to pay private mortgage insurance or mortgage insurance premiums, so more of each monthly payment will go toward paying down your debt instead of insuring your loan.

DTI, or debt-to-income ratio, is the balance between your income each month (before taxes) and the amount you must pay toward debt. Lenders use this as an indicator that you’re not taking on more debt than you can afford to pay. It’s key to understand that this ratio only includes monthly payments toward debt; it does not include utilities, insurance, food and clothing expenses, entertainment, gas, or any of your other cash flows. While each mortgage lender and program will stipulate its maximum DTI, it’s not really a number you want to max out if you want to be able to comfortably pay your bills. Paying down existing debt as quickly as you can will reduce this ratio and increase your chances of getting a loan—and make you more comfortable paying it.

One other option to support your application and take the onus off of credit problems is to find a cosigner. Cosigners sign the paperwork for the mortgage with you, and in doing so, agree to pay the debt should you be unable to do so, which can make the difference when buying a house with bad credit. It’s a huge risk for the cosigner, who is then also carrying your mortgage on their own credit report and increasing their own DTI. Usually cosigners are close family members who have faith in your intention to pay the loan and who may be comfortable with carrying you over a rough patch or two—but who can count on you to take care of your business.

How to Get a Home Loan With Bad Credit

Photo: istockphoto.com

STEP 3: Understand what’s on your credit report and take steps to repair your credit.

Credit scores are somewhat mysterious; few people really understand how they are calculated, as the actual math that goes into determining a FICO credit score is a closely guarded secret. However, there are several factors that have clear effects on your score, and you can take steps to improve those factors. Before worrying about how to adjust your score, you’ll need to take a solid look at your credit history. Get copies of your credit report from all three major credit bureaus (Experian, Equifax, and TransUnion). Sometimes creditors report to one of the agencies and not the others, so you’ll want to check all three. You’re entitled to one free credit report each year from each agency through the Federal Trade Commission’s website—be careful about signing up for other “free” credit report sites that promise your report and score for a fee. Check your report carefully, looking for errors and ensuring that all the accounts on the report are accounts that you recognize. Any problems can be disputed with the credit bureaus, but that can take some time, so start early.

What goes into a credit score? Your payment history makes up about 35 percent of your overall score, and a clear, lengthy record of on-time payments goes a long way toward showing lenders that you take debt payment seriously. If this is something you’ve struggled with, you’ll want to put an extra effort into making those payments on time before you apply for a mortgage—assuming that your payments have been late because you’re forgetful or just don’t get payments in the mail on time. In those cases, consider taking advantage of your bank’s payment scheduling function or autodraw options offered by your creditors and utilities to ensure payments get in on time. If, however, your payments are frequently late because you’re struggling financially, it’s probably a bigger priority to become more financially stable before you apply for a loan.

Credit utilization, or the amount of credit that you have available balanced against the amount of credit you have used, makes up another 30 percent of your credit score. Borrowers who have a significant amount of credit available to them that they have not used show that they’ve qualified for credit to be extended to them but don’t need to use it all, and they will have higher credit scores as a result. If, on the other hand, your credit cards are all close to maxed out, or you have additional personal loans that are early in repayment, it appears to lenders that you’re dependent on credit to remain financially solvent, which will lower your credit score and cause lenders to avoid increasing your overall debt, as they’ll doubt your ability to pay. To improve your credit score, work on paying down existing credit card debt so that the ratio between available and used credit is healthier. If you are a customer in good standing, and you’re not already overextended, you can ask your credit card companies to increase your existing limit, which will shift the balance in a positive way.

Several other components, such as the age of your credit history and the mix of existing credit, are things you can’t do much about. You can’t jump back in time and take out your first credit card or car loan sooner, so really your only move on the average age of credit is to avoid closing your oldest accounts, even if you don’t use them, and avoid opening a lot of new accounts shortly before applying for a loan. First, if you have bad credit, credit card approval may be difficult to find, but also adding new accounts will skew the average age of your credit. The mix of your existing credit involves the combination of different types of credit you have on file: credit cards, car loans, student loans, and other types of debt. The greater the mix, the higher your score. If you’re still some distance away from applying for your home loan, you may be able to affect this mix by paying off and closing some accounts.

Accounts that are in collection are the biggest negative that you can have on a credit report, because they suggest (not always accurately, but they do suggest) that you have not made an attempt to pay back the debt or have abandoned it. There are some options, once an account in collections is paid off, that will allow you to pay an extra fee to have the collection removed from your account. If you choose to do this, you’ll want to take care to get confirmation of the deletion in writing and to check your credit report a month or two later to make sure the negative item has been removed from your credit history.

STEP 4: Look for grants.

Most of the agencies that back home loans for low-income or poor-credit buyers are part of the federal government or are federal contractors. State and local programs don’t generally have the resources to take on that kind of risk. What you will find in state and local programs are assistance programs to help with down payments. A larger down payment makes borrowers with poor credit much less risky for the lender, so increasing your down payment through a grant or down payment assistance program can significantly impact your overall application and make your poor credit weigh less on your options. Some of these programs are income-dependent, while others are designed to help recent college graduates afford a down payment, and there are many other specific programs based on where you live. Contact local government housing agencies or work with a mortgage lending professional to learn more about programs available to you.

How to Get a Home Loan With Bad Credit

Photo: istockphoto.com

STEP 5: Take the time to find the right lender.

This is an incredibly important step when your credit score is less than optimal and you’re seeking home loans with bad credit. While federal programs have specific parameters that their approved lenders must meet, there’s no rule that every lender has to participate in those programs. You may need to call quite a few lenders to inquire about programs available for buyers with poor credit. Because there are so many different loan programs available, some lenders may not participate, or, somewhat shockingly, may not be aware that certain programs even exist. If you’re a buyer with a strong application package other than your credit score, you’ll need to advocate for yourself and seek out cooperative lenders who know what they have available and are willing to explain it to you clearly. If you contact a lender who won’t explain your options clearly or gives you a hard time, it’s probably not the right lender for you. The right lender will be open to explaining their programs, explaining how your profile fits each one, and discussing the terms and implications openly. Ideally, you’ll identify several lenders with whom you’re comfortable, and then you can place applications with them to compare the terms and rates that you’re offered.

STEP 6: Consider other options, such as taking out a personal loan or simply waiting before taking out a mortgage.

It can feel very unfair to be rejected for house loans for bad credit, especially if you’ve put significant effort into improving yours. The fact is that credit takes time to improve as the negative items age out and are replaced by a cleaner slate. If you’re unable to get a home loan, you can consider applying for a personal loan, which has different criteria that you may be more able to meet. But be careful: The terms on personal loans may be shorter, and the interest rates higher.

If you find that your applications for home loans are repeatedly unsuccessful, it may be time to adjust your plans. Those rejections suggest that lenders are too uncomfortable with your financial situation to loan you money, and that’s an important piece of information for you to have. Lenders are businesses, certainly, and operate to make money, but they’re also not in the business of destroying people financially if they can avoid it. They don’t want you to default. If several lenders think you can’t manage a home loan right now, you should consider why. Defaults on home loans may make it impossible to get another one for years and often result in bankruptcy. So if you’re struggling to get a home loan, consider taking some time to repair your credit, build savings toward a solid down payment, rebalance your DTI, and try again in a year or two when your financial health is on more solid ground.

Is it possible to get a home loan with bad credit? If the rest of your financial profile is healthy, then it absolutely is, especially if you apply through one of the programs designed to help. As always, you’ll want to look at your overall financial situation, and remember that just because you can take a loan doesn’t mean that you should. Discussing your application with a mortgage professional can go a long way toward helping you make the best choice for you and get you into a home you love at the right time.



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Lead generator who deceptively solicits loan applications from millions of consumers and indiscriminately shared sensitive information agrees to pay $ 1.5 million FTC penalty https://daytimeemmys.tv/lead-generator-who-deceptively-solicits-loan-applications-from-millions-of-consumers-and-indiscriminately-shared-sensitive-information-agrees-to-pay-1-5-million-ftc-penalty/ Thu, 06 Jan 2022 21:54:27 +0000 https://daytimeemmys.tv/lead-generator-who-deceptively-solicits-loan-applications-from-millions-of-consumers-and-indiscriminately-shared-sensitive-information-agrees-to-pay-1-5-million-ftc-penalty/ A lead generation company that has collected sensitive information from millions of consumers under the guise of putting them in contact with lenders will pay $ 1.5 million in civil penalties and face restrictions on its operations as a result of ‘a Federal Trade Commission lawsuit. The FTC complaint alleges that since at least 2012 […]]]>



A lead generation company that has collected sensitive information from millions of consumers under the guise of putting them in contact with lenders will pay $ 1.5 million in civil penalties and face restrictions on its operations as a result of ‘a Federal Trade Commission lawsuit.

The FTC complaint alleges that since at least 2012 ITMedia Solutions LLC, a number of affiliates and their owners and officers have operated hundreds of websites designed to trick consumers into sharing their most sensitive financial information, including their social security numbers and their bank account information. The defendants sold this information to marketing companies and others regardless of how the information would be used, according to the complaint.

“ITMedia tricked millions of people into divulging sensitive financial information and then sold it to companies that weren’t lending,” said Samuel Levine, director of the FTC’s Office of Consumer Protection. “The company’s extraction and misuse of this data has violated the law in a number of ways. “

The lawsuit alleges that the defendants – who have used cashadvance.com, personalloans.com, badcreditloans.com and websites with similar names – promised consumers that their information would be shared with “… our network of trusted lenders. … ”Or“… would only be shared with qualified lenders. ”Some sites have promised that loans are available for people with bad credit history without credit score requirements.

In its complaint, the FTC alleges that 84% of loan applications collected through these websites since January 2016 have not been sold to lenders, but rather disseminated to a range of merchants, debt relief vendors and retailers. credit repair, and businesses that would sell back to consumers. regardless of how that information would be used. According to the complaint, in many cases ITMedia was not even aware of the purpose for which a company was purchasing consumer data, or sometimes even the physical location of the company.

ITMedia sold the consumer information to a group of companies that were sued by the FTC last year for marketing payday loan products that overcharged consumers by tens of millions of dollars.

The complaint notes that the harm to consumers caused by ITMedia’s “indiscriminate” sale of consumer data was substantial, putting them at risk of identity theft and scams.

In addition to misleading consumers and selling their data without authorization, the complaint alleges that ITMedia violated the Fair Credit Reporting Act (FCRA) by illegally obtaining and reselling the credit scores of consumers who submitted information. . The FCRA limits the purposes for which businesses can obtain credit scores, and the use of scores to market leads is not an authorized purpose.

The defendants have agreed to settle the charges against them by the FTC and, in addition to the civil penalty, the proposed settlement order will prohibit defendants from making misleading representations to consumers, including about how their personal information will be. used. The order will also prohibit defendants from selling consumers’ personal information outside of a limited set of circumstances, and the order requires them to screen the recipients of that information.

The complaint alleges that ITMedia Solutions LLC and a number of related companies, as well as Michael Ambrose, Daniel Negari, Jason Ramin, Grant Carpenter, Anisha Hancock, and Sione Kaufusi violated FTC and FCRA law.

The Commission’s vote allowing staff to file the complaint and stipulated the final order was 4-0. Commissioner Christine S. Wilson made a concurring statement. FTC filed complaint and final order / injunction in the United States District Court for the Central District of California.

REMARK: The Commission files a complaint when it has “reason to believe” that the named defendants are violating or are about to violate the law and it appears to the Commission that a proceeding is in the public interest. The final stipulated orders have the force of law when approved and signed by the judge of the district court.



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Globo shows new movies on OpenTV from this week https://daytimeemmys.tv/globo-shows-new-movies-on-opentv-from-this-week/ Wed, 05 Jan 2022 23:48:09 +0000 https://daytimeemmys.tv/globo-shows-new-movies-on-opentv-from-this-week/ TV Globo announced the exhibition of several new films on OpenTV in January. “Festival Ano Novo” will air from January 4 to 14 after the soap opera Um Luger ao Sol, and promises to bring a selection of blockbusters to the public. The first film of the festival was broadcast with “MIB: Men in Black […]]]>


TV Globo announced the exhibition of several new films on OpenTV in January. “Festival Ano Novo” will air from January 4 to 14 after the soap opera Um Luger ao Sol, and promises to bring a selection of blockbusters to the public.

The first film of the festival was broadcast with “MIB: Men in Black International” on Tuesday (4). Another feature film to air this weekend is “John Wick: A New Day to Kill” starring Keanu Reeves. After fixing his car, John Wick (Keanu Reeves) thinks he could possibly retire, in the story directed by Chad Stahelski. However, the reappearance of Santino D’Antonio (Ricardo Scaramacio) hinders his plans. The film is a direct sequel to the 2014 film “John Wick: Back to the Game”.

During the second week, starting January 11, the program opens with “Robin Hood: The Origin”. Starring Otto Bathurst, released in 2018, explains the origins of the famous legend of a thief who steals from the rich to give to the poor, when Robin Hood (Taron Egerton) returns from a crusade and finds himself afflicted by Sherwood Forest. East. The criminal, he won’t let it stop there and calls on John (Jamie Foxx) and Marion (Eve Hewson) to bring justice to the city.

The most recognized hit by audiences and critics in recent years is “The Joker,” which airs on January 13th. Based on the DC Comics character of the same name, the plot tells the story of Arthur Fleck (Joaquin Phoenix), who works as a clown for an arts agency. He has to visit a social worker weekly due to known mental issues. But after being fired, Fleck reacts badly to the prank of three people in the subway and kills them. The murders sparked a grassroots movement against Gotham City’s elite, with Thomas Wayne (Brett Cullen) as the main representative.

And, to launch the “Festival Ano Novo” on January 14, the feature film chosen was “The invasion of the secret services”. Secret Service Agent Mike Banning (Gerard Butler) sees his life completely turned upside down overnight when accused of plotting to assassinate the President of the United States. When he learns that everyone is behind him, Mike races against the clock to find out what really happened while fleeing the other agents.

“New Year’s Festival” will air Tuesday through Friday.


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Review of Universal Credit Personal Loans Find the best loan for you https://daytimeemmys.tv/review-of-universal-credit-personal-loans-find-the-best-loan-for-you/ Wed, 05 Jan 2022 08:00:00 +0000 https://daytimeemmys.tv/review-of-universal-credit-personal-loans-find-the-best-loan-for-you/ Universal Credit is an online lending platform powered by financial technology company Upgrade, which has been operating since 2017. Universal Credit is not a bank itself, but facilitates loans through its lending partners. She specializes in personal loans, especially for debt consolidation. Advantages Debt Consolidation: If the purpose of your loan is to consolidate existing […]]]>



Universal Credit is an online lending platform powered by financial technology company Upgrade, which has been operating since 2017. Universal Credit is not a bank itself, but facilitates loans through its lending partners. She specializes in personal loans, especially for debt consolidation.

Advantages

  • Debt Consolidation: If the purpose of your loan is to consolidate existing debt, your funds will go directly to your creditors, leaving you with just one fixed rate payment to manage each month.
  • Discounts: Borrowers who sign up for automatic payment or have their funds sent directly to creditors as part of a debt consolidation loan benefit from interest rate reductions.
  • Credit creation tools: Borrowers can access a number of credit building tools offered through Upgrade, including access to their credit scores, weekly updates, personalized recommendations and more.

The inconvenients

  • Original costs: Universal Credit charges a loan origination fee of up to 8%, which is subtracted from the loan proceeds.
  • Potentially high rates: Non-privileged borrowers could end up paying rates of up to 35.93%, which rivals credit cards and other high interest loans.

What can universal credit personal loans be used for?

Universal Credit offers both personal loans and debt consolidation loans. Both types of loans offer fixed rates and predictable payments. With debt consolidation loans, your funds are distributed directly to your creditors so that you only have one payment to worry about each month.

There are several ways to use the funds from a Universal Credit personal loan. Some of the more common uses include:

  • Refund of credit cards.
  • Consolidation of other debts.
  • Finance a business.
  • Pay for home improvement projects.
  • Make a big purchase.

How do universal credit personal loans work?

Universal Credit is not an actual lender, but an online lending platform that partners with banks to provide personal loans. Its lending partners include Cross River Bank and Blue Ridge Bank.

Universal Credit loan application and management is done entirely online. Once you have accepted your loan offer, the funds will be sent to your bank within one business day of clearing. The actual time it takes to receive your funds will depend on how long your bank takes to process the transaction. If you borrow a debt consolidation loan that involves sending money to creditors, the repayment can take up to two weeks.

What are the terms, fees and conditions of Universal Credit personal loans?

Personal loans have an annual percentage rate of 8.93% to 35.93%; lower rates require signing up for automatic payment and getting a discount to pay creditors directly. Repayment terms range from 36 to 60 months.

Universal Credit also charges an origination fee of 4.25% to 8%, which is deducted from the loan proceeds. There are no fees or penalties for prepaying your loan.

How to benefit from a personal loan with universal credit?

To apply for a Universal Credit personal loan, you must meet a few basic conditions:

  • Be a U.S. citizen or permanent resident, or live in the United States on a valid visa.
  • Be at least 18 years old (or 19 in Alabama).
  • Give a valid email address.
  • Have a verifiable bank account.

If you want to know if you are eligible for a Universal Credit personal loan, you can provide some personal information to get a quote. This results in a flexible credit check, which does not affect your credit score. Once you have requested a quote, there are several offers to choose from.

If you want to go ahead with a loan offer, you will still need to submit a formal request and you may be asked to provide additional documents or details about your financial situation. Keep in mind that your final loan terms may differ from your original quote depending on factors like your credit rating, credit history, loan term, etc.

Universal Credit allows you to borrow a minimum of $ 1,000 and a maximum of $ 50,000. Late payments and fees could increase the cost of your loan.

What credit score do you need?

Universal Credit does not have a minimum credit score requirement to qualify for a personal loan. Higher scores will result in lower interest rates and better loan terms. However, your credit score is only one factor that Universal Credit assesses in determining loan eligibility. Credit usage, payment history, and other details will affect your loan application.

Where does universal credit work?

Universal Credit is headquartered in San Francisco. Because he is an online lender, he works with clients in most states. However, Universal Credit does not provide loans to residents of Iowa, West Virginia, or Washington, DC.

Is universal credit reputable?

Universal Credit has been accredited by the Better Business Bureau since February 2021 and has an A + rating. The company has a 4.6 out of 5 star rating on Trustpilot. The Consumer Financial Protection Bureau received 17 complaints about personal loans from parent company Upgrade in 2020. All complaints were responded to promptly.

How is Universal Credit’s customer service?

If you need to contact Universal Credit with a question or issue, you can email support@universal-credit.com. If you prefer to contact the lender by phone, you can call (877) 418-9765; Representatives are available Monday through Friday from 6 a.m. to 6 p.m. PT, and Saturday and Sunday from 6 a.m. to 5 p.m. PT.

What are some of the online features of Universal Credit?

Universal Credit works only online, which means customers apply for and manage their personal loans through the web. Upgrade offers a mobile app that customers can use to manage their loans on the go.

Universal credit personal loans are best for:

  • People who prefer to do their banking entirely online.
  • People who are looking for a quick and easy online loan application.
  • People who have poor or fair credit.



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The TV show Andrew Zimmern wants to bring back https://daytimeemmys.tv/the-tv-show-andrew-zimmern-wants-to-bring-back/ Wed, 05 Jan 2022 05:45:00 +0000 https://daytimeemmys.tv/the-tv-show-andrew-zimmern-wants-to-bring-back/ With so many shows, it’s hard to keep track of everything Andrew Zimmern has been featured in. While many of them have similar facilities, each show has its own twist. Zimmern even once called The Cooking Channel on Twitter for saying that a scene was from “Bizarre Foods” instead of “Delicious Destinations,” which is a […]]]>


With so many shows, it’s hard to keep track of everything Andrew Zimmern has been featured in. While many of them have similar facilities, each show has its own twist. Zimmern even once called The Cooking Channel on Twitter for saying that a scene was from “Bizarre Foods” instead of “Delicious Destinations,” which is a spin-off of “Bizarre Foods”.

So if you are not familiar with “The Zimmern List”, here is what you need to know. According to the description of the show on the Travel Channel Website, Zimmern takes the public to their favorite places for food and travel, and these places should be on everyone’s travel list. Throughout the show, he visited cities across the United States such as Boston, Seattle, and Charleston.

There are two seasons of the show (via TV guide), and you can watch episodes of “The Zimmern List” on online services such as Vudu, fuboTV, and Amazon. The Star Tribune reported that “The Zimmern List” won a Daytime Emmy 2020 as Outstanding Travel & Adventure Program, so it’s well worth your time. Are you hoping that new episodes of the series will be released? While we’ll have to wait and see what happens with “The Zimmern List”, we will have some new content featuring Zimmern this year. According to Zimmern site, in 2022, “Andrew Zimmern’s Wild Game Kitchen” will debut on the Outdoor Channel.


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