Are you thinking about refinancing? Although there are many pre-built calculators out there, they don’t give you a full picture of what your new loan terms will be. How much of a difference would a 1% interest rate reduction make? Which loan term should you choose? Also, does your home’s price impact your mortgage refinance calculation? To fully understand how a refinance will impact your monthly bill, follow these steps to find your new payment and loan terms.

During quarter three of 2019, Amazon’s earnings declined by over 25% in comparison to the same period in 2018. For the first time in over three years, the tech giant’s profits witnessed a drop. Most of this is because the company heavily invested in its new free one-day shipping services for Prime members. However, as we head into the holiday period, this might be the perfect time to signup for the Amazon synchrony credit card. The online retailer spent almost $800 billion between July and September

Founded over 15 years ago, Divine Events has established a standard of excellence in Las Vegas. As the Entertainment Capital of the World, our city’s economy and industries were more than relieved to return to some form of normalcy. After all, tourism, leisure, and entertainment are what draw so many visitors from around the globe to Las Vegas. However, one overlooked aspect is how our businesses innovated and continued to cater to patrons throughout the pandemic. This is in large part due to digital apps in the heavily-growing sports betting world. In fact, as we move forward, these technological offerings are expanding local businesses’ revenues by allowing them to bring in more money from out of state. Sports betting apps are creating many new opportunities in the gaming industry and infuencing how casinos are investing their capital. All of this will defne what the sector will look like as we move towards a post-Covid world.

Remote work done right makes employment more accessible to more people. Companies with effective policies and flexible attitudes toward staffing can take advantage of the larger talent pool and the more diverse labor force that remote work has created. However, some barriers to diversity still exist. By addressing and overcoming them, you can enrich your organization’s culture.

Consumers will soon enjoy a host of new ways to engage with websites and enhance their online shopping experience. But what does the roll-out of 5G technology have in store for your business? Initially, not all website owners will have access to the new technology. However, many are already preparing for 5G’s new features so they can embrace it once it hits the larger market. Websites and businesses will notice an immediate change once 5G becomes available, regardless of whether or not they have initial access to its features. Because of this, Umbrella design put together this piece to help business and website owners prepare for this revolutionary change. Many people don’t fully grasp what 5G entails. If you already understand it, skip the first section and start at ‘5G and Your Website’. Otherwise, carry on reading.

Former FBI Director James Comey’s speaking engagement fees now cost between $100,000 to $200,000 for a single speech. This is according to All American Speakers — a website that manages booking influencers, celebrities and other figures. To put things into perspective, the federal Office of Personnel Management reported that Comey made $185,000 a year when he was FBI director. He now can make that much for giving just one speech. Moreover, the All American Speakers website states on Comey’s profile that “speaker fees are subject to change without notice.” This could be due to “the speakers schedule, supply and demand … and other factors.” In other words, as Comey’s profile continues to rise, so will his speaking fees. If President Donald Trump fires special counsel Robert Mueller, how much do you think he will make per speech?

At home businesses have many advantages over their brick-and-mortar counterparts. For a start, entrepreneurs save money on gas and office rent. Similarly, freelancers that operate online enjoy unique benefits in comparison to employees who commute to a physical office location. However, transportation costs and rent are on the tax deductible expenses list of traditional businesses, but not digital ones. Nonetheless, remote entities can still utilize work from home tax deductions that other emplo

Refinancing your mortgage loan can help lower your monthly bill. After all, that’s the whole point of refinancing! As a homeowner, it is important for you to understand how and when you will start realizing these savings. Once you learn how the new closing costs, loan terms, and interest rates influence your break-even point, you can make an informed decision that maximizes your savings and gets you a step closer to reaching your financial goals.

For more than a year, the Las Vegas property prices have been soaring. This raised some important questions for renters and homeowners alike. The former are asking themselves whether they should purchase a house soon (before prices go up even more) or wait for the market to slow down. The current property values also make it more expensive for renters to save money for a down payment. Existing homeowners, meanwhile, are wondering if selling their properties at a relatively infated price is a fnancially wise investment. The lack of inventory creates hesitancy because sellers cannot easily fnd a desirable new home to move into. Although these problems are common across the country, the Las Vegas housing market is in a unique position due to the rapid growth of rent-to-own homes. These types of properties may solve many of the challenges that Las Vegas renters and owners face. Amongst them are time fexibility and affordability.

During the last decade and a half, homeownership in the US steadily declined. In fact, from 2014 onwards, the percentage of Americans who own a house remained at its lowest levels since 1995. Because of this, many people are considering a first-time home buyer loan.

Saudi Arabia is going through a period of massive and quick transformation, with large economic and population growths that show it. This is accompanied by a clear change that's impacting the major Saudi cities, especially the capital, Riyadh, alongside evolving duties, responsibilities, and challenges. These challenges include providing an appropriate living environment for city residents, and one of the ways to better understand these changes and developments is through utilizing scientific urban planing theories that apply to cities around the world. Perhaps one of the most important ones here is the Urban Sprawl theory, which James Kunstler discusses in his book, Home from Nowhere.

Saudi Petroleum and Mineral Resources Minister Ali al-Naimi confirmed to al-Eqtisadiah that the Kingdom seeks to stabilize the global oil market in terms of balancing supply and demand and keep commercial inventories steady at their usual levels, pointing out that

Oil analysts confirmed that Saudi Arabia's proposal to increase production is the most ideal solution for the global markets, and experts believe that developed countries are facing problems with high prices and industrial inflation. The latest OPEC meeting in Vienna last week ended without an agreement on raising production.