Buying – Grover Chamber http://groverchamber.com/ Fri, 11 Jun 2021 21:37:13 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 https://groverchamber.com/wp-content/uploads/2021/05/default.png Buying – Grover Chamber http://groverchamber.com/ 32 32 Stop buying $ 3 Boichik bagels https://groverchamber.com/stop-buying-3-boichik-bagels/ https://groverchamber.com/stop-buying-3-boichik-bagels/#respond Fri, 11 Jun 2021 21:18:19 +0000 https://groverchamber.com/stop-buying-3-boichik-bagels/ An Oakland wealth management firm that charges $ 2,000 for its services gave a surprising financial tip this week: Stop buying Boichik Bagels. “If you buy Boichik Bagels you deserve to be poor,” read the subject of a newsletter sent by Lula Financial on Thursday, referring to the hugely popular Berkeley bagel store that was […]]]>


An Oakland wealth management firm that charges $ 2,000 for its services gave a surprising financial tip this week: Stop buying Boichik Bagels.

“If you buy Boichik Bagels you deserve to be poor,” read the subject of a newsletter sent by Lula Financial on Thursday, referring to the hugely popular Berkeley bagel store that was recently opened. hailed by the New York Times as better. than New York bagels.

“The sons of bit * hes charge $ 3 per bagel,” the email read. “As of now, I prohibit all customers from visiting Boichik Bagels more than once a year.”

Emily Winston, owner of the store, was shocked, upset and ultimately amused by the email a customer sent her. Instead of getting mad at the attack on her bagels, she decided to post a screenshot of Boichik’s Instagram email. It’s now gaining momentum online.

“I thought it was really kind of a banana,” she said of the email she provided to The Chronicle. “It’s the same old trope: Stop buying $ 3 lattes and you’ll save money. It’s a little saying that the bagel is the new latte.

Lula Financial founder Benjamin Packard, who wrote the email, said it was a joke and he “never intended to offend another owner of small business”.

“I use humor to make financial planning more accessible to my clients,” he wrote in an email to The Chronicle. “I mainly work with young families who are saving to buy their first home. Frugality is one of the fundamental pillars that I use to lead them to the almost impossible goal of buying a home in this crazy market. It was just a friendly (and fun) reminder to be conscientious with their spending.

As a “Jewish kid from the East Bay,” he added, he actually finds Boichik’s bagels to be “delicious”.





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When buying a Kansas City Chiefs jersey goes wrong https://groverchamber.com/when-buying-a-kansas-city-chiefs-jersey-goes-wrong/ https://groverchamber.com/when-buying-a-kansas-city-chiefs-jersey-goes-wrong/#respond Thu, 10 Jun 2021 11:57:00 +0000 https://groverchamber.com/when-buying-a-kansas-city-chiefs-jersey-goes-wrong/ Four months ago, I made a fateful decision. With the Kansas City Chiefs set to make their second straight Super Bowl appearance, I made a choice that still haunts me to this day: I bought a Super Bowl LV jersey. What seemed like a great idea at the time not only backfired, but turned into […]]]>


Four months ago, I made a fateful decision. With the Kansas City Chiefs set to make their second straight Super Bowl appearance, I made a choice that still haunts me to this day: I bought a Super Bowl LV jersey.

What seemed like a great idea at the time not only backfired, but turned into a global hunt to hunt down a bundle of deception.

It was early February and I was excited. The Chiefs were back in the Super Bowl and I had finally decided to buy a jersey to mark the occasion.

I opted for the red home jersey with Travis Kelce’s name and number sewn on the back and the Super Bowl LV patch on the front. “A great choice,” I thought to myself. It wouldn’t arrive in time for the big game, but I was happy with my last purchase.

Buying a Kansas City Chiefs jersey has gone from fun to pain for this fan.

At first it took me a while to decide to buy the jersey. I was skeptical, and there were a number of factors that led to my hesitation.

I knew there was an element of risk involved. Should I buy the jersey before the game while it was in stock knowing the Chiefs could lose? Do I wait until the end of the match to run the risk of the shirts being sold out?

To make things a little more difficult, I live in Melbourne, Australia, so a post-game trip to Rally House, Dick’s Sporting Goods or the Chiefs pro shop wasn’t exactly in the cards. If I waited until the game was over, I would have to try my luck in the random world of online shopping.

To complicate the decision further, I get pretty superstitious when it comes to sports. What if buying a jersey before the game put some sort of mischief on the Chiefs? What if the sports gods perceive my actions as some kind of arrogance and take action accordingly?

It was a tough call to make, but fortune favors the bold, I thought to myself, and after a few days of thinking, I called the Chiefs pro shop and placed my order.

A decision that backfired dramatically.

The Chiefs were absolutely hammered and lost to the Tampa Bay Buccaneers by a final score of 31-9. As a result, my new jersey would now serve as a lifelong reminder of that disappointing Sunday and possibly the worst Chiefs game I have ever seen. Fantastic.

After a horrendous result, I was so happy to know that I had spent a not-so-insignificant amount of money on a reminder of the big game we lost (ah, not really).

The week after the game, I tried to save the day. I called the pro store to see if they could help me: was it possible to still have the same jersey but not with the Super Bowl LV patch on it? No, they said, it was too late. The patch would be attached. Oh joy.

But now, more than a dozen weeks after placing that fateful order, the decision still comes back to bite me. Not only had I bought a jersey that I don’t particularly want anymore, but I still don’t have this jersey – it’s currently lost somewhere in the postal service world.

Its exact location is unknown, which means that I must now try to find an object that will only serve to remind me of a game that I did my best to forget. Awesome.

What’s worse than spending $ 150 on a product you don’t really want anymore? Spend $ 150 on a product you don’t really want anymore and don’t actually receive it.

When I ordered the jersey, the pro shop told me it could take 4-10 weeks for it to ship out, but as that time elapsed the package was not delivered .

So far, my efforts to find the jersey have been unsuccessful. With the jersey being sent from Kansas City to Australia, there really is a chance it could be almost anywhere in the world right now.

A bold purchase that seemed like such a good idea at the time has come back to haunt me again and again. If a Super Bowl loss didn’t hurt enough, a global hunt to find an expensive and hapless memory of that miserable Sunday night only tops it off.

And so, my hunt continues. More than 120 days after Super Bowl LV, I’m still waiting for my jersey to arrive. But when he finally does, I’m not even sure I can bring myself to wear it.



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Buyers find it difficult to buy homes at BCS https://groverchamber.com/buyers-find-it-difficult-to-buy-homes-at-bcs/ https://groverchamber.com/buyers-find-it-difficult-to-buy-homes-at-bcs/#respond Wed, 09 Jun 2021 16:42:00 +0000 https://groverchamber.com/buyers-find-it-difficult-to-buy-homes-at-bcs/ BRYAN, Texas (KBTX) – The BCS area is definitely a seller’s market right now. This means that a lot of people looking to buy have to bid after offer, and homes are disappearing much faster than last year. Taylor Tyson and Richard Knapp have been looking for a home for two months. One factor that […]]]>


BRYAN, Texas (KBTX) – The BCS area is definitely a seller’s market right now. This means that a lot of people looking to buy have to bid after offer, and homes are disappearing much faster than last year.

Taylor Tyson and Richard Knapp have been looking for a home for two months. One factor that makes things difficult for the newly married couple? A really low offer.

Amy DuBose of the BCS Association of Realtors said our market has been at a standstill for a year.

“Right now they’re at about 1.4 months of inventory, which means if no ads were put on the market, how long would your market last? 1.4 months is really not that long. A balanced market lasts 6.5 months, ”said DuBose.

Another factor that plays against the couple? They are first-time home buyers. They outbid three separate homes, including one that cost $ 15,000 more than their best offer and covered closing costs.

“Our friends kind of know it’s got the upper hand and you know it’s a big part of our lives,” Tyson said.

According to the BCS Real Estate Association, homes are selling almost two weeks faster than a year ago. It’s even more dramatic if we look at College Station alone. In May, there were about 70% fewer homes on the market compared to a year ago and we saw an almost 70% increase in closings.

DuBose says that one factor that could boost this market is an increase in remote working so people can settle wherever they want. She says there’s usually an influx of Texas A&M alumni, but now we’re seeing more people from states like California and New York. This includes Tyson and Knapp.

“I’m originally from Michigan and he’s from North Carolina. We came here to work and we kind of made a home here and created a family of friends, so we know that’s where we want to stay and build a house for a while, ”Tyson said.

But there is some hope that things will balance out. It may take a few months.

“The summer is going to be tough as it will still be very competitive, but as we get through the summer we hope it will sort of recover into a more normal range, especially for the months of. inventory available, “said DuBose.

Her best advice for buyers? Have your papers in order and ready to go listen to your real estate agent.

Copyright 2021 KBTX. All rights reserved.



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Illinois property taxes based on public debt make Chicago tenants rethink home buying https://groverchamber.com/illinois-property-taxes-based-on-public-debt-make-chicago-tenants-rethink-home-buying/ https://groverchamber.com/illinois-property-taxes-based-on-public-debt-make-chicago-tenants-rethink-home-buying/#respond Tue, 08 Jun 2021 23:31:06 +0000 https://groverchamber.com/illinois-property-taxes-based-on-public-debt-make-chicago-tenants-rethink-home-buying/ COOK COUNTY, Ill. (WLS) – Following an I-Team report on the property tax debt attached to your home and business, some people have said they’ve stopped their research to buy a home. RELATED: Property Tax Hikes in IL Influenced by Public Debt; how to find debts on your house “This is what is definitely preventing […]]]>


COOK COUNTY, Ill. (WLS) – Following an I-Team report on the property tax debt attached to your home and business, some people have said they’ve stopped their research to buy a home.

RELATED: Property Tax Hikes in IL Influenced by Public Debt; how to find debts on your house

“This is what is definitely preventing me from buying right now, which is why I am renting and I’m happy to do it,” said Chicago tenant Drew Schafer.

Schafer said he is now suspending the purchase of a condo due to unpaid property debt.

The I-Team researched the debt associated with Chicagoan Tom Harney’s home. It’s $ 124,000.

“When I look at this number associated with my income tax, I wonder why I stay here and not go to a state that is focused on sustaining its population and growing. I don’t see politicians changing anything. whatever, ”Harney said.

He can see this information because Cook County Treasurer Maria Pappas has launched a new tool on her website to view public debt attached to homes and businesses.

“The higher the debt, the higher the property taxes,” Pappas told the I-Team. This debt is due to estimated payments on village services, education and pensions.

Laurence Msall, president of the non-partisan organization The Civic Federation, said government modernization was needed.

“We need local officials to look at how they deliver government services, not historically how they did it, not along political lines,” he said.

Msall is referring to the 2,200 overlapping government entities in Cook County which he says are ineffective.

Chicago residents were surprised that the treasurer’s figures show that in the Windy City, there is about $ 41,000 in debt attached to every $ 100,000 of property.

“It’s crazy. If I want to own a house, it’s a little overwhelming,” said Keisha Samuels, a Chicago resident.

“It’s a lot, but it’s the trade-off you have to make to live in the city,” Chicago owner Jon Ezentark said.

The I-Team has asked Cook County President Toni Preckwinkle for comment on the debt associated with Cook County landowners.

Pappas said she was “working to fix the county debt” and the “unfunded pensions” she inherited, and was trying to “reduce the county’s share of debt and had not increased it. ‘property tax during his 10 years in power “.

So what can you do about property tax debt? In addition to voting, you should ask candidates what they plan to do to resolve the issue if they win.

Full statement from Cook County President Toni Preckwinkle:

“Over the past 10 years, President Preckwinkle’s administration has worked to address this problem by wisely managing the county’s own debt, including the billions in inherited debt borrowed before he took office, while also tackling responsibly to billions of dollars in unfunded pensions. In short, she has worked to reduce the county’s share of the ‘total district tax debt attributed to Cook County properties’ while not increasing the county’s property tax levy since taking office. In addition, the county has done its part to reduce taxes – burden communities by distributing tax incentives and exemptions equitably to those who need them most. This problem did not arise overnight, and it will not be resolved overnight. It will take a collaborative effort between all units of local government as well as Cook State and County is ready and willing to help take the load. “

REACTION FROM RIVERDALE MAYOR LAWRENCE JACKSON:

We agree with Treasurer Pappas and your report that the Cook County property tax system is broken and places too much of a burden on homeowners. But it’s important that we understand how we got there so that we can find the right solutions and not just point fingers and find someone to blame. I have been the mayor of the village of Riverdale since 2013, and I see every day how complex this problem is and how much real reform will be needed to address it:

We need city leaders to play a proactive role in fixing the problem. At Riverdale, we are making tough decisions to refinance our debt to save taxpayer dollars. We are working to reduce operating expenses and find new grants and other ways to fund much-needed capital projects that we would have borrowed to pay for in the past. And we work every day to find new business partners to expand our local tax base and generate new economic development.

We need legislative action in Springfield to fix the property tax system in the county. We can’t keep picking winners and losers in property tax assessments – communities like ours always lose out in the end.

We need to reform the way we finance our schools. A large portion of our local property tax bill is what it takes to fund our schools. We cannot continue this system.

We have to make tough decisions to reduce the costs of local pensions and consolidate local government units. We need to do more with less.

We need to work together on solutions. Property taxes are considered to be owed to Cook County, not to municipalities like Riverdale. We have over $ 6 million from active businesses that owe the Village outstanding property taxes, forcing us to provide our essential services and asking other businesses and residents to pay for it. We need the Cook County Treasurer and State Attorney to actively pursue these delinquency cases and help us get the funds we are owed, or we will have to pursue legislation to do it ourselves.

PROVIDES TO HELP SOLVE MAYOR JACKSON’S PROBLEM:

We have not issued any new debt since 2011, two years before my administration began. I made it a priority to manage expenses while expanding our local revenue base with alternative fundraising resources. But I only have so many options. We need to have serious discussions and actions at all levels of government to help resolve these fundamental, structural and long-standing issues. These problems exist statewide and appear to be worse in Cook County. We can no longer talk about them. We need action. I am glad that the Treasurer created this tool and is working with your station to shed light on these issues. But my challenge now is: where do we go from here? I hope we can work together to truly help communities like Riverdale and benefit all residents and businesses in Cook County.

Copyright © 2021 WLS-TV. All rights reserved.



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Buy these 2 stocks before they go above 60%, analyst says https://groverchamber.com/buy-these-2-stocks-before-they-go-above-60-analyst-says/ https://groverchamber.com/buy-these-2-stocks-before-they-go-above-60-analyst-says/#respond Tue, 08 Jun 2021 01:02:31 +0000 https://groverchamber.com/buy-these-2-stocks-before-they-go-above-60-analyst-says/ We are living in an interesting time, there is no doubt about it. The COVID crisis is receding, the economic reopening is proceeding at a steady pace – but there are inflationary concerns. The Biden administration has embarked on a heavy spending program, including generous extended unemployment benefits – which in some cases can exceed […]]]>


We are living in an interesting time, there is no doubt about it. The COVID crisis is receding, the economic reopening is proceeding at a steady pace – but there are inflationary concerns. The Biden administration has embarked on a heavy spending program, including generous extended unemployment benefits – which in some cases can exceed wages. As a result, the labor market is apparently stuck, operating at low speed and raising fears that the recovery is accelerating.

From a macro perspective, Patrick Spencer, vice president of equities at Baird, is bullish on equities and sees a positive long-term outlook on the jobs front.

“The S&P earnings return… for the next two years you get a 5% earnings return… and you get 1.5% in bonds. So stocks are still the only place to be… We will see leadership shift from value stocks – cyclical stocks – to growth towards the end of this year, ”Spencer said.

Turning his attention to the employment situation, Spencer acknowledges that the high benefits can keep workers at home, but adds that “… COVID support ends in September, and at that point … this will change, and you’re going to get these people back into the workforce.

Turning Spencer’s perspectives into concrete recommendations, Baird analyst Joel Beatty is hammering the table on two actions that seem particularly compelling. According to the analyst, each name is set to jump more than 60% in the next 12 months. Using the TipRanks database, we found that both tickers also received approval from analysts at other companies.

Atreca, Inc. (BCEL)

The first of Beatty’s picks we’re looking at, Atreca, is an early-stage biopharmaceutical research company that focuses on oncology immunotherapies, that is, the development of new drugs that will boost the patient’s immune system to attack tumor cells and tissues. Atreca uses proprietary technology to profile the patient’s immune response, identifying the antibodies and T cell receptors that are the keys to successful treatment.

Atreca has several pipeline projects in development, the majority of which are still in the preclinical phase. The company’s lead candidate, ATRC-101, is currently in a Phase 1 study, with 20 patients enrolled, evaluating the drug against several different solid malignant tumors. The company reported that all patients completed the three-week dose-limiting toxicity assessment period with no adverse effects. Atreca is looking to recruit an additional patient cohort to evaluate a higher dose and plans to release the initial summary data in July this year.

In her coverage of Atreca, Beatty writes: “… we see a favorable risk / reward ratio as the first clinical data approach in July for ATRC-101 in solid tumors. Although we consider the reading to be high risk, we believe the downside is limited due to 1) the recently announced pipeline agent targeting EphA2 (a target that was recently validated by Bicycle Therapeutics), 2) the partnership with Xencor, and 3) the relatively low enterprise value of around $ 100 million implied by the current share price. “

The analyst added: “We believe that Atreca’s unique antibody library has the potential to support a robust pipeline with multiple mechanisms (T cell activators, directed destruction and conjugate toxins)…”

To that end, Beatty sets a price target of $ 27 on this stock, suggesting a sharp rise of 203% for the coming year. Unsurprisingly, the analyst attributes BCEL to an outperformance (ie a buy). (To look at Beatty’s record, Click here)

It’s not often that analysts all agree on a stock, so when it does, take note. BCEL’s strong buy consensus rating is based on 4 unanimous purchases. The average stock price target of $ 29 suggests a rate of 225% and a change from the current stock price of $ 8.91. (See the analysis of BCEL shares on TipRanks)

Syndax Pharmaceuticals (SNDX)

The second Beatty pick we’re looking at is Syndax, another biopharmaceutical company. This research-based company is working on combination therapies for multiple cancer indications. The company’s pipeline includes two main drug candidates, axatilimab and SNDX-5613.

Syndax has two ongoing clinical trial programs. AGAVE 201 is a phase 2 trial of axatilimab, testing the drug as a treatment for patients with “chronic active graft-versus-host disease, relapsing or refractory”. Axatilimab is a monoclonal antibody that works by blocking the colony stimulating factor 1 receptor (CSF-1). The study tests three different dosage levels. The results of previous tests will be released later this year; the results of the AGAVE study are expected to be published in 2023. Axatilimab was granted orphan drug designation by the FDA earlier this year.

The second clinical trial involves SNDX-5613. This trial, AUGMENT 101, is a phase 1 study, testing the leukemia drug candidate MLLr. In preclinical testing, the drug blocked the menin-MLL1 interaction, resulting in tumor cell death. Initial data from the AUGMENT 101 study showed an overall response rate of 48% in patients.

Beatty sees three positive factors for Syndax going forward, including: “1)… the potential for success of SNDX-5613 in NPM1 patients is underestimated, 2) the company appears to be largely or entirely funded by data from registration for SNDX-5613 and axatilimab in 2023, and 3) we see potential for business development, leveraging SNDX’s business development and clinical development strengths.

Consistent with these bullish factors, Beatty is pricing the stock as an outperformance (i.e. a buy), and his price target of $ 31 implies a 65% 12-month hike. (To look at Beatty’s record, Click here)

Overall, SNDX received 5 recent analyst reviews, breaking down to 4 buys versus just 1 hold and making the analyst consensus rating a strong buy. The 12-month average price target stands at $ 27.40, marking a potential upside of around 46% from current levels. (See SNDX stock analysis on TipRanks)

To find great ideas for biotech stocks that trade at attractive valuations, visit TipRanks Best Stocks to Buy, a recently launched tool that brings together all the information about TipRanks stocks.

Disclaimer: The opinions expressed in this article are solely those of the analyst presented. The content is intended to be used for informational purposes only. It is very important to do your own analysis before making any investment.



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Column-Funds buys CBOT corn as US crops face hot, dry stretch -Braun https://groverchamber.com/column-funds-buys-cbot-corn-as-us-crops-face-hot-dry-stretch-braun/ https://groverchamber.com/column-funds-buys-cbot-corn-as-us-crops-face-hot-dry-stretch-braun/#respond Mon, 07 Jun 2021 00:49:00 +0000 https://groverchamber.com/column-funds-buys-cbot-corn-as-us-crops-face-hot-dry-stretch-braun/ (The views expressed here are those of the author, market analyst for Reuters.) FILE PHOTO: Clouds hover over a cornfield in Dubuque, Iowa, US July 26, 2018. REUTERS / Joshua Lott / File Photo FORT COLLINS, Colo. (Reuters) – In recent weeks, speculators were pulling back from their very bullish bets on Chicago-traded corn, but […]]]>


(The views expressed here are those of the author, market analyst for Reuters.)

FILE PHOTO: Clouds hover over a cornfield in Dubuque, Iowa, US July 26, 2018. REUTERS / Joshua Lott / File Photo

FORT COLLINS, Colo. (Reuters) – In recent weeks, speculators were pulling back from their very bullish bets on Chicago-traded corn, but weather uncertainties in the United States and strong export and domestic demand brought them in to rethink this trend last week.

Fund managers increased their net long position in CBOT corn futures and options during the week ended June 1 to 289,936 contracts from the five-month low of 268,091 contracts the previous week . This is based on Friday data from the United States Commodity Futures Trading Commission.

The move marked the fund managers’ first week of net corn purchase in seven weeks. Index traders increased their total number of positions by 4% during the week, other speculators were very modest sellers, and trading end-user raw shorts rose the most since January. (tmsnrt.rs/3vSmh6N)

The most active July futures contracts rose 11% in the shortened trading week to June 1, and December’s new crop jumped almost 12%. The surge was mainly due to dispelled rumors that China was canceling additional US corn shipments and ideas that the Asian country was in fact reserving more grain.

The weather forecast for the young American crop suggested hot and dry weather until at least the middle of the month, although the forecast for precipitation was variable. Still, the outlook has fostered enough uncertainty between Wednesday and Friday to boost new crop futures by 2.5%.

Traders also envision a comeback of the U.S. ethanol industry, which over the past three weeks has produced on average more than one million barrels per day of corn-based biofuel, close to pre-BC levels. pandemic.

SOY AND WHEAT

Fund managers have barely adjusted their views on CBOT soybeans and soybean oil in the past week. As of June 1, their long-term net soybeans stood at 138,788 futures and options, down less than 1,000 on the week. They extended their long net in soybean oil from less than 1,000 contracts to 86,084.

The most active soybean meal futures rose more than 3% through June 1, more than the rest of the soy complex, but fund managers reduced their net long position to 20,885 contracts at term and options versus 25,232 a week earlier. This is their least optimistic position in nine months.

Flour futures prices have fallen slightly over the past three sessions, but July soybeans are up 2% and the November new crop is up 3%, helped by the risky weather outlook in the United States and the near record strength of soybean oil futures.

The busiest soybean oil on Friday closed at an all-time high 71.34 cents per pound. Booming global demand for vegetable oil and an expected tightening of soybean oil supplies over the next year have kept futures at historic levels.

Weather fears in the United States rebounded in wheat futures after falling in May. July CBOT wheat jumped 5.6% in the week ended June 1, but fund managers lost around 1,300 futures and options, reducing their net long position to 3,227.

Kansas City wheat futures showed similar gains through June 1, and fund managers reduced bullish bets to 19,086 futures and options from 23,501 a week earlier. Minneapolis wheat futures jumped 13% during the week, although funds reduced by about 1,200 contracts from their net long position, which fell to 13,462 futures and options.

CBOT and KC futures were down slightly at the end of last week, but Minneapolis July wheat was up more than 5% due to unfavorable conditions for spring wheat in the northern plains of the states -United. High winds accompanied temperatures of at least 100 degrees Fahrenheit (38 Celsius) on Friday afternoon in North Dakota, already parched by drought.

Minneapolis’ July futures were at $ 8.10-1 / 4 a bushel, their first close above the $ 8 mark since July 2017, when the contract was in delivery.



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Instructions for buyers | Larimer County https://groverchamber.com/instructions-for-buyers-larimer-county/ https://groverchamber.com/instructions-for-buyers-larimer-county/#respond Sun, 06 Jun 2021 05:52:10 +0000 https://groverchamber.com/instructions-for-buyers-larimer-county/ If you are a BUYER purchasing a property served by an On-Site Wastewater Treatment System (OWTS): 1. Check the permit file and approved use of the system to ensure it matches the actual conditions of the property; the number of bedrooms indicated on the permit and any other ancillary connections (garages, barns, stores, secondary suites, […]]]>


If you are a BUYER purchasing a property served by an On-Site Wastewater Treatment System (OWTS):

1. Check the permit file and approved use of the system to ensure it matches the actual conditions of the property; the number of bedrooms indicated on the permit and any other ancillary connections (garages, barns, stores, secondary suites, etc.) must match how the property is listed for sale. Permit records can be obtained using the property search tool on the County Assessor page.

Permits were first required in Larimer County in 1973, although older permits exist. Homes built before 1973 may be serviced by unauthorized systems that will still need to be inspected. A permit is not required for a property to receive an acceptance document, provided the system is functioning properly.

2. Determine if the OWTS serving the property requires inspection and acceptance document prior to sale. There are several exceptions to the transfer of ownership requirements. If any of the items listed in a.-e. below apply, the OWTS does not require an acceptance document;

a. The system received final approval within three years from the date of the request for an acceptance document;
b. The change of ownership is not an arm’s length transaction where a buyer and seller act in their own interests (transfers between family members, estate transactions, foreclosures, etc.)
vs. The change of ownership creates or terminates a condominium as long as one person is the original owner and / or the spouse, parent or child of an original owner.
re. The transfer is made to a trust or limited liability company of which the original owner is a member.
e. The transfer results from a seizure or confiscation. However, the subsequent transfer of the foreclosure entity requires inspection and an acceptance document.

3. If the system requires inspection and an acceptance document, request a copy from the owner.
4. If the inspection finds that the system is not functioning in an acceptable manner and requires repair, there are several options;

a. Owner Makes Repairs – The owner of the property obtains a repair permit and completes the work necessary to repair the system by the closing date.
b. Repair Agreement – If the OWTS does not meet the requirements for issuing a transfer of ownership acceptance document, the person acquiring title may agree in writing to take responsibility for obtaining a license to repair or modification and make any necessary repairs. within 180 days of closing.

5. If an inspection cannot be completed prior to closing due to a snowpack, lack of access, frozen ground, etc., you can still legally purchase the property if you agree in writing to ” take responsibility for having the inspection carried out when conditions permit. and be responsible for all identified gaps. A conditional transfer of title acceptance document may be issued if the person acquiring title agrees in writing that the inspection be completed when conditions permit and, if necessary, obtain a repair or repair permit. modification within 180 days of inspection.



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Two ETFs on my monthly shopping list https://groverchamber.com/two-etfs-on-my-monthly-shopping-list/ https://groverchamber.com/two-etfs-on-my-monthly-shopping-list/#respond Fri, 04 Jun 2021 20:08:46 +0000 https://groverchamber.com/two-etfs-on-my-monthly-shopping-list/ Gold ingots getty In last weekend’s article, I talked about the two stocks that I liked the most after my month-end market analysis. Of course, I run the same scan on a large ETF group that I am. Positive monthly signals were seen in a number of gold linked ETFs including the SPDR Gold Trust […]]]>


In last weekend’s article, I talked about the two stocks that I liked the most after my month-end market analysis. Of course, I run the same scan on a large ETF group that I am. Positive monthly signals were seen in a number of gold linked ETFs including the SPDR Gold Trust (GLD) and the VanEck Vectors Gold Miners ETF (GDX).

Many traders and investors believe that a weaker dollar is always associated with higher gold prices, but there have also been times when they have moved in the same direction. Much of this impression comes from the early 1980s. The dollar hit a major low in the fall of 1980, with the election of Ronald Reagan, and gold peaked in January 1980 at $ 850 an ounce. The rally in the US dollar lasted until 1985 and until the Plaza Accord, when the dollar was devalued.

In July 2001, the dollar peaked at 121.21 (point a) and then began a multi-year decline. In April 2008, it had fallen to a low of 73.71 (point b), a drop of just over 39%. During the same period, gold fell from a low of $ 258 per ounce to $ 956.20. This is a gain of 270%. Gold continued to rally until September 2011, when it peaked at $ 1,923.70.

The monthly US dollar chart trended higher from the 2011 and 2014 low (line c) which was decisively broken in December 2020. The January low at 89.17 is now critical support which goes back to the highs of 2009 and 2010. Breaking this level will suggest a drop towards the 85 area, which would represent a drop of around 4.5%.

The SPDR Gold Trust (GLD) monthly chart shows the May close at $ 178.38 was above the downtrend (line a) from the August 2020 high of $ 194.45. For May, the GLD was up 7.7% and the March low of $ 157.13 was just below 38.2% Fibonacci support at $ 158.46 (line b).

Such a minor pullback after rallying $ 100.23 to $ 194.45 is a positive sign. The 20-month Exponential Moving Average (EMA) has increased and stands at $ 162.02. The January high of $ 183.21 is the next major resistance, and a close above that level should confirm a resumption of the major uptrend. The starc + weekly band is at $ 195.20.

Volume increased in May and On-Balance Volume (OBV) increased. It appears to have hit a major low in 2019 when resistance (d line) was overcome. The decline at the end of 2020 brought the OBV below its weighted moving average (WMA). Although it has broken through its recent resistance, a strong close above its WMA is needed to make it positive. The weekly OBV (not shown) has completed its substantive training.

The VanEck Vectors Gold Miners ETF (GDX) rose 15% in May, closing at $ 39.43. This close broke above the strong downtrend (line a). There is the next resistance from the November 2020 high at $ 41.81. The August 2020 high was $ 45.78. The February and March lows retested the old resistance (line b), which is now support in the $ 31 area. The 20 month EMA is at $ 33.22 and is now on the rise.

While the volume was not impressive in May, OBV hit a low in February and has since risen. OBV closed above its WMA in May which is a positive sign. Weekly indicators, like those of the GLD, are positive. A higher close in June should confirm a return to 2020 highs.

Close monitoring of daily charts, pivot levels and 20 day EMAs should identify a good entry point in both GLD and GDX. Check my Twitter for more updates, as the lower close of June 2, 2021 could be the start of the much needed correction.





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Jim McGuinness says Dublin are the only team not to join high-scoring football https://groverchamber.com/jim-mcguinness-says-dublin-are-the-only-team-not-to-join-high-scoring-football/ https://groverchamber.com/jim-mcguinness-says-dublin-are-the-only-team-not-to-join-high-scoring-football/#respond Fri, 04 Jun 2021 05:00:26 +0000 https://groverchamber.com/jim-mcguinness-says-dublin-are-the-only-team-not-to-join-high-scoring-football/ Jim McGuinness, former Donegal All-Ireland winning manager and Sky Sports analyst, speaking at the launch of the broadcaster’s championship times yesterday, raised eyebrows when he said that although the football league matches high scoring were a surprise, he thought the only team not embracing this start was champions All-Ireland Dublin. “It’s crazy how the game […]]]>


Jim McGuinness, former Donegal All-Ireland winning manager and Sky Sports analyst, speaking at the launch of the broadcaster’s championship times yesterday, raised eyebrows when he said that although the football league matches high scoring were a surprise, he thought the only team not embracing this start was champions All-Ireland Dublin.

“It’s crazy how the game went. I don’t know, it’s just one way traffic now. This is the old Newcastle strategy where we outdo everyone. To be fair, the only team in the country in my opinion that doesn’t fully embrace this is Dublin.

“Getting back to the point I said earlier about myself and Kieran being at the games last year, Dublin were probably the most defensive team in the country. There is absolutely no doubt about that. They had 15 men inside their 65s almost every time the opposition had the ball.

“The difference is when Dublin gets the ball they are absolutely brilliant at keeping the ball. They are brilliant at leading the ball; they are brilliant in the transition; they are brilliant at beating their scores. So it whitens on everything.

“People just see what they put on the scoreboard and think, ‘they’re an amazing team,’ but what they don’t get credit for is that they’re an amazing defensive team; they defend for their life; they defend in number; they make contact; they put blows.

“Personally I wouldn’t read too much in the National League so far because it’s only three games and there are big scores going on, but then there are games that you think , “well, if this continues, some big team is going to be taken out ‘because a team with a serious pace is going to make three or four incisions and on a given day maybe all three or four [goals] will enter.

“Football is sitting on that kind of edge now and it’s going to be really interesting to see, for me, where that is going.”



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Foreigners become net buyers of Japanese stocks in the week to May 28 https://groverchamber.com/foreigners-become-net-buyers-of-japanese-stocks-in-the-week-to-may-28/ https://groverchamber.com/foreigners-become-net-buyers-of-japanese-stocks-in-the-week-to-may-28/#respond Thu, 03 Jun 2021 07:14:00 +0000 https://groverchamber.com/foreigners-become-net-buyers-of-japanese-stocks-in-the-week-to-may-28/ June 3 (Reuters) – Foreign investors turned net buyers of Japanese stocks for the first time in three weeks, for the week through May 28, as a resumption of domestic vaccinations raised hopes for normalization faster economic. Foreigners bought 555.52 billion yen ($ 5.06 billion) net of Japanese stocks, the largest in seven weeks, according […]]]>


June 3 (Reuters) – Foreign investors turned net buyers of Japanese stocks for the first time in three weeks, for the week through May 28, as a resumption of domestic vaccinations raised hopes for normalization faster economic.

Foreigners bought 555.52 billion yen ($ 5.06 billion) net of Japanese stocks, the largest in seven weeks, according to Japanese stock exchange data.

They bought a net amount of 373.82 billion yen in spot equity markets and 181.7 billion yen in derivatives last week.

Meanwhile, cross-border investors bought 1,100 billion yen net of Japanese bonds, according to data from the Ministry of Finance.

A massive vaccination program began in Tokyo and Osaka last month, prompting optimism about the earnings outlook for companies.

Japanese stocks have stagnated for the past three months, affected by a slow rollout of COVID-19 vaccines, cautious earnings outlook and the effective reduction in its share purchases by the Bank of Japan (BOJ).

Last week, the Nikkei stock average gained 2.94% and the Topix index rose 2.24%.

Meanwhile, Japanese investors bought foreign stocks with a net worth of 129.4 billion yen and sold 1.19 trillion yen of Japanese bonds last week, according to data from the Ministry of Finance. ($ 1 = 109,7700 yen)

Reporting by Gaurav Dogra and Patturaja Murugaboopathy; edited by Uttaresh.V



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