Kenthe 390 Thu, 25 Nov 2021 21:14:04 +0000 en-US hourly 1 Kenthe 390 32 32 Were BTS supposed to take part in Macy’s Thanksgiving parade in 2021? Thu, 25 Nov 2021 18:05:27 +0000

Thanksgiving goes hand in hand with Macy’s annual parade. This year marks the 95th event, with a plethora of celebrity appearances and a lineup of star-studded performances.

On Twitter, K-Pop fans are disappointed that the music group BTS is not on the artist list. But, was BTS supposed to be in Macy’s Thanksgiving 2021 parade? We unpack everything we know.

Photo by Kevin Mazur / Getty Images

Were BTS supposed to be in the Thanksgiving parade?

With all the talk from BTS on Twitter, fans wondered if the group was supposed to be part of Macy’s fashion show in 2021.

In short, it doesn’t look like there was ever a plan for BTS to perform at the event – but fans really, really wanted it.

One fan tweeted: “They should have had bts in the Thanksgiving parade wtf r they do rn.”

Another wrote: “My mom was like AND IF BTS ARE AT THANKSGIVING PARADE, give up you are a stan bc I wasn’t even thinking about that.”

Someone else took to Twitter: “What if BTS performed in the Thanksgiving parade.”

The boys went to the US recently, so the idea of ​​a BTS performance wasn’t too far-fetched. Hoping they will make an appearance next year!

Photo by Bellocqimages / Bauer-Griffin / GC Images

Has a K-Pop group ever participated in the parade?

In 2019, NCT 127 made history as the first K-Pop group to perform at Macy’s Thanksgiving Parade.

The group drove through New York on a LEGO tank, performing fan-favorite “Highway to Heaven”.

Likewise, girl group aespa is performing at Macy’s event this year, according to reports. Meaww reports that the aespa fashion show performance will be their very first live international performance. Exciting!

Who performs at the Macy’s event?

Besides the aespa, parade watchers can expect to see Carrie Underwood, Jon Batiste, Nelly, Andy Grammer and Foreigner.

Kelly Rowland, Jimmie Allen, Kristin Chenoweth and Rob Thomas will also join them.

Have a Happy Thanksgiving!

Black Friday | official trailer



Black Friday | official trailer





In other news, is the Dunkin Donuts fast food chain open for Thanksgiving 2021?

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START YOUR MATCH DAY vs BORO WITH DELIVEREE – News Thu, 25 Nov 2021 11:20:53 +0000

Start your match day with fantastic food!

– Deliveree Street Food Zone returns for Middlesbrough game
– Six different food and drink stalls to choose from
– Come and discover the offer from 12:30 p.m.

Our increasingly popular pre-game street food zone will be back on Saturday starting at 12:30 p.m., with six different options to choose from!

The Street Food Zone is a great way to kick off your game day! Covered with a marquee, you can enjoy the dishes offered despite the weather conditions. Not only that, but the speakers installed will definitely help add to the atmosphere and really get you in the mood for the kickoff.

With six top quality local vendors in attendance, you can find the Deliveree Street food court at the north end of the stadium outside the fantastic media booth, which opens at 12:30 p.m. until kick-off.

Leaving no one short of choices, fans will have a tough choice between Burgers and Loaded Fries, Singing Pineapple Gourmet Hot Dogs, East Asian-inspired TJ Thai and Japanese, unreal wood-fired pizzas. and, for a sneaky desert, Sweet Tooth donuts!

For those who want to wash down their food with a pint, Magic Rock will also be on hand to quench your thirst.

There is, of course, more than just food available on game days in town – with a wide range of fan activities and areas created to give Terriers of all ages plenty to do at John Smith Stadium. !

For our junior fans, we have the brand new children’s activity area in front of the Legend’s Bar and Café with video games, foosball, and coloring areas – with the option to invite special guests – and them. family activities available inside the Fantastic Media Stand.

Haven’t secured your spot at John Smith’s Stadium for Town’s Sky Bet Championship match against Middlesbrough at 3pm on Saturday, November 27? CLICK HERE to get your tickets online.

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‘No heartbeat’: pop star Jessie J devastated after miscarriage Wed, 24 Nov 2021 23:53:00 +0000

Jessie J miscarried, revealing the heartbreaking news in a moving Instagram post.

The 33-year-old pop star still appeared to reveal to the world that she was pregnant and explained that she was going to have a baby “on her own” before a doctor found out there was no heartbeat.

But, some fans missed the point of the post, assuming the photo of her holding a pregnancy test meant she was breaking some good news.

Many fans – including her own record company, Republic Records – rushed to be among the first to congratulate her.

The unfortunate mistake prompted some to tell people to read the singer’s post before commenting.

“Guys, read the whole post! She says she got pregnant but lost the baby… be careful and be kind. Jessie must be in terrible pain right now): I’m so sorry, baby ❤ @jessiej we love you, ”wrote one of them.

In the post, Jessie wrote: “Yesterday morning I was laughing with a friend saying, ‘Seriously, how am I going to get through my gig in LA tomorrow night without telling everyone in the audience that I’m pregnant. Yesterday afternoon, I dreaded the idea of ​​ending the concert without breaking down… After doing my third scan and I was told that there was no more heartbeat.

Jessie also informed fans as she broke the tragic news on Wednesday that she would continue the scheduled performance, which was set to be her second in two years.

“What I know is that I want to sing tonight. Not because I avoid heartbreak or process, but because I know singing tonight will help me. I have done 2 shows in 2 years and my soul needs it. Even more today, ”she said.

Hitmaker Price Tag then insisted she was “strong” when explaining her decision to continue her performance.

“I want to be honest and true and not hide how I feel. I deserve this. I want to be as myself as possible right now. Not just for the audience but for me and my little baby who did her best. I know myself and I know I would talk about it on stage because that’s what I am. So instead of a moving tearful speech trying to explain my energy. It seems safer, ”she wrote.

“I decided to have a baby on my own. Because that’s all I’ve ever wanted and life is short. Getting pregnant was a miracle in itself and an experience I will never forget and I know I will see her again.

“But I know I’m strong and I know that everything will be fine. I also know that millions of women around the world have felt this pain and much worse. I feel connected to those of you that I know and those of you that I don’t know. It is the loneliest feeling in the world.

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Shant Banosian of guaranteed rate crosses $ 2 billion mark in total loan volume Wed, 24 Nov 2021 17:35:00 +0000

Banosian, the country’s leading loan issuer in 2020 according to Mortgage Executives Magazine, made securities in June when he broke his own record, funding $ 1 billion three months faster than last year.

Situated at Massachusetts and licensed to come from all 50 states, Banosian has funded an impressive total career volume of over $ 7 billion. Member of the prestigious 2021 Global 100 mortgage, he was also recognized as one of the top 5 loan originators in the United States by Scottish Guide for six years, including two consecutive years at # 1. He was also the best guaranteed rate loan officer and the best producer of Massachusetts regularly since 2013.

“The big difference between this year and last year is our hyper-focus on closing quickly using our technology platform to make the customer experience even better,” said Banosian. “By putting our clients and real estate partners on the buying side in a position to win, we are able to serve more buyers in this very competitive market.”

A Massachusetts A native, Banosian graduated from Bentley University, where he met his wife, Kara. They currently live in Belmont, Mass., with their three daughters. He actively participates in charity events throughout his community, regularly raising funds for the Greater Boston Food Bank; leading one of the top five fundraising teams in the country for St. Jude Children’s Research Hospital; and remain actively involved in the Guaranteed rate foundation, a 501 (c) (3) organization that has provided more than $ 6 million directly to more than 1,500 people in need.

About guaranteed rate companies:

Guaranteed Rate companies include Guaranteed Rate, Inc., one of the top 5 retail mortgage lenders in United States, Affinity Guaranteed Rate, LLC and Appropriate Rate, LLC. Based at Chicago, Combined Guaranteed Rate Companies financed on $ 73 billion in 2020 and has more than 10,000 employees in more than 850 offices across United States. Founded in 2000 and established in all 50 states and Washington DCThe guaranteed rate has helped homeowners nationwide with home purchase loans and refinances. The company has established itself as an industry leader by introducing innovative technology, offering low prices and providing unparalleled customer service. In 2017, the company launched Guaranteed Rate Affinity, LLC, a mortgage origination joint venture between Guaranteed Rate, Inc. and Realogy Holdings Corp. (NYSE: RLGY), a world leader in residential real estate franchising and brokerage. In 2020, the company launched Proper Rate, LLC, a mortgage origination joint venture between Guaranteed Rate, Inc. and @properties, one of the nation’s largest residential brokerage firms. Collectively, the guaranteed rate companies have won numerous honors and awards, including: Forbes Advisor’s Top 10 Mortgage Lenders for 2021; Best Mortgage Lender for Online Loans and Best Mortgage Lender for NerdWallet Refinancing for 2021; 2018 Best Lender for Online Service by US News & World Report; HousingWire’s 2020 Tech100 Award for Industry Leading FlashCloseSM Technology; # 3 in The Scotsman’s Guide to the Best Retail Mortgage Lenders for 2021; Lender of the Year by Chicago Agent Magazine for six consecutive years; and the Chicago Tribune’s list of the best places to work for seven consecutive years. Visit for more information.

SOURCE Guaranteed Rate

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K-POP 2021 Global Concert (K-Culture Festival) Ends in Success, Introducing New Performance Model in Era of “Living with COVID-19” Wed, 24 Nov 2021 02:34:10 +0000

– Closing of the spectacular performances held over two days from November 13 to 14, in the participation of various prominent local and international artists

– Participation of 2.63 million Hallyu fans around the world (as of November 18)

Seoul, South Korea – (ANTARA / Business Wire) – ‘2021 World K-POP Concert (K-Culture Festival)’, held from 13 (Saturday) to 14 (Sunday) at the Korea International Exhibition Center ( KINTEX) in Goyang -si, ended successfully with huge support from Hallyu fans around the world.

Jointly organized by the Ministry of Culture, Sports and Tourism of the Republic of Korea (MCST, Minister Hwang Hee) and the Korea Foundation for International Cultural Exchanges (KOFICE, President Jung Kil-hwa), this concert attracted many attention as it was the first large-scale offline event prepared by the government since the implementation of the ‘living with COVID-19’ program to initiate a gradual return to normal life.

This year’s event was organized with special attention to infection prevention measures by implementing the ‘vaccine pass’ and ‘people count’ systems. First, fully vaccinated people who passed the two week mark after completing their second dose or those who presented proof of PCR test results by confirmation letter or SMS within 48 hours were allowed entry. in the site.

In the case of the World K-POP Concert (BIT 4 U Concert) held on November 14, more stringent disease prevention procedures were implemented where all seats were allocated in accordance with social distancing measures , and visitors were given vinyl gloves at the entrance. to wear them at all times. In addition, cheering and chanting from the crowd during performances and seat changes were strictly prohibited – safety first.

Held under strict security measures, the total number of global Hallyu fans who participated in the concert both online and offline amounted to around 2.63 million, making the festival even more meaningful. In particular, around 3,000 on-site visitors witnessed the scorching performances of the Hallyu artists, and 150,000 fans from all over the world simultaneously enjoyed the festival, which was broadcast live via KOFICE’s official YouTube channel.

Local artists including NCT DREAM, SHINee KEY, aespa, ITZY, PENTAGON, Simon Dominic, Loco and BraveGirls, as well as American pop star Kehlani performed at the event, and MCST Minister Hwang Hee a virtually joined the concert and delivered greetings from France with a French Hallyu fan. SHINee KEY, who made the grand finale, said, “While we’re not used to seeing a screaming concert hall, building on that momentum, I hope more artists could have the opportunity to. perform on stage in the living with COVID- 19 era.

MCST and KOFICE have extended their special invitation to medical and public staff who have worked hard to overcome COVID-19, as well as multicultural families and culturally disadvantaged foreigners living in Korea to share messages of hope for overcoming COVID-19. pandemic situation through representation.

Recordings of this concert will be shown on various channels such as Mnet, TVING and tvN Asia on November 28, December 5 and 6 – again inspiring audiences worldwide.

Meanwhile, KOFICE will host the virtual conference “The History of K-POP, and Future Insight” on November 30 as an additional program of the World K-POP Concert. Organized under the theme of K-pop cultural policy and popular music, the conference will be broadcast live in real time via the official YouTube channel of the K-Cultural Festival.


For the Korean Foundation for International Cultural Exchanges (KOFICE)

Edelman Korea

Olivia joh

+ 82-2-2022-8260

Youngwoo Kim

+ 82-2-2022-8237

Source: Korea Foundation for International Cultural Exchange (KOFICE)

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Full list of 2022 Grammy nominees: Japanese breakfast, St. Vincent, Foo Fighters and more Tue, 23 Nov 2021 18:47:46 +0000

Full 2022 Grammy Nominees List: Japanese Breakfast, St. Vincent, Arlo Parks and more

The 2022 Grammys air January 31 on CBS

23 November 2021

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Nominations for the 2022 Grammy Awards have just been announced. Below is a list of nominations in the larger categories, which includes nods to artists such as Japanese Breakfast, St. Vincent, Arlo Parks, Fleet Foxes, Glass Animals, Silk Sonic, Weezer, Foo Fighters , etc. For the full list of nominations, visit the Grammys website.

The 64th Annual Grammy Awards will air Monday, January 31, 2022 live on CBS.

Album of the year

We are – Jon Batiste
Tony Bennett and Lady Gaga – Love For Sale
Justin Bieber – Justice (Triple Chucks Deluxe)
Doja Cat – Planet Her (Deluxe)
Billie Eilish – Happier Than Ever

Record of the year

ABBA – I still have faith in you
Jon Batiste – Freedom
Tony Bennett, Lady Gaga – I’m Crazy About You
Justin Bieber, Daniel Cesar, Giveon – Fisheries
Brandi Carlile – Right on time
Doja Cat, SZA – Kiss Me More
Billie Eilish – Happier Than Ever
Lil Nas X – Montero (Call me by your name)
Olivia Rodrigo – Driver’s License
Silk Sonic – Leave the Door Open

Song of the year

Ed Sheeran – Bad Habits
Alicia Keys, Brandi Carlile – A Beautiful Noise
Olivia Rodrigo – Driver’s License
SHE – Fight for you
Billie Eilish – Happier Than Ever
Doja Cat, SZA – Kiss Me More
Silk Sonic – Leave the Door Open
Lil Nas X – Montero (Call me by your name)
Justin Bieber, Daniel Cesar, Giveon – Fisheries
Brandi Carlile – Right on time

Best New Artist

Arooj Aftab
Jimmie Allen
Baby Keem
Glass animals
Japanese breakfast
Kid Laroi
Arlo Parks
Olivia rodrigo


Best rock performance

AC / DC – Shot in the dark
Black Pumas – Know You Better (Live from Capitol Studio A)
Chris Cornell – Nothing Compares 2 U
Deftones – Ohms
Foo Fighters – Make a fire

Best metal performance

Deftones – Genesis
Dream Theater – The Alien
Gojira – Amazonia
Mastodon – Pushing the Tides
Rob Zombie – The Triumph of King Freak (A Crypt of Preservation and Superstition)

Best rock song

Weezer – All My Favorite Songs
Kings Of Leon – The Bandit
Mammoth WVH – The distance
Paul McCartney – Find My Way
Foo Fighters – Waiting for a war

Best rock album

AC / DC – Power on
Black Pumas – Capitol Cuts — Live from Studio A
Chris Cornell – No one sings like you anymore Vol. 1
Foo Fighters – Midnight Medicine
Paul McCartney – McCartney III

Best Alternative Music Album

Fleet Foxes – Shore
Halsey – If I can’t have love, I want power
Japanese breakfast – Jubilee
Arlo Parks – collapsed in the rays of the sun
Saint-Vincent – Daddy’s house


Best Solo Pop Performance

Justin Bieber – Anyone
Brandi Carlile – Right on time
Billie Eilish – Happier Than Ever
Ariana Grande – Positions
Olivia Rodrigo – Driver’s License

Best Pop Performance in Duo / Group

Tony Bennett, Lady Gaga – I’m Crazy About You
Justin Bieber, Benny Blanco – Alone
BTS – Butter
Coldplay – Higher Power
Doja Cat, SZA – Kiss Me More

Best Pop Vocal Album

Justin Bieber – Justice (Triple Chucks Deluxe)
Doja Cat – Planet Her (Deluxe)
Billie Eilish – Happier Than Ever
Ariana Grande – Positions
Olivia Rodrigo – Sour

Best Traditional Pop Vocal Album

Tony Bennett, Lady Gaga – Love For Sale
Norah Jones – ‘Til We Meet Again (Live)
Tori Kelly – A Tori Kelly Christmas
Ledisi – Ledisi sings Nina
Willie Nelson – That’s Life
Dolly Parton – A Holly Dolly Christmas


Best Rap Album

J. Cole – The low season
Drake – Certified Lover Boy
Nas – Disease of King II
Tyler, the Creator – Call me if you get lost
Kanye West – Donda

Best Rap Song

DMX, Jay-Z, Nas – Bath salts
Saweetie, cat Doja – best friend
Baby Keem, Kendrick Lamar – Family Ties
Kanye West, Jay-Z – Prison
J. Cole, 21 Savage & Morray – My Life

Best rap performance

Baby Keem, Kendrick Lamar – Family Ties
Cardi B – Top
J. Cole, 21 Savage & Morray – My Life
Drake, future, young thug – way too sexy
Megan Thee Stallion – Thot fuck

Best melodic rap performance

J. Cole, Lil Baby – Pride is the Devil
Chat Doja – Need to know
Lil Nas X, Jack Harlow – Industry Babe
Tyler, the creator starring YoungBoy Never Broke Again, Ty Dolla $ ign – WusYaName
Kanye West, The Weekend, Lil Baby – Hurricane


Best R&B performance

Snoh Aalegra – I lost you
Justin Bieber, Daniel Cesar, Giveon – Fisheries
SHE – Too bad
Silk Sonic – Leave the Door Open
Jazmine Sullivan – Get Your Feelings Back

Best Traditional R&B Performance

Jon Batiste – I need you
BJ the Chicago Kid, PJ Morton, Kenyon Dixon, Charlie Bereal – Bring It Home
Leon Bridges, Robert Glasper – Born Again
SHE – Fight for you
Lucky Dave, Yebba – How Much Can A Heart Take

Best R&B Song

SHE – Too bad
SZA – Good days
Giveon – Anniversary of grief
Silk Sonic – Leave the Door Open
Jazmine Sullivan – Get Your Feelings Back

Best Progressive R&B Album

Eric Bellinger – New Light
Cory Henry – Something to Say
Hiatus Kaiyote – Mood Valiant
Lucky Daye – Table for two
Terrace Martin, Robert Glasper, 9th Wonder & Kamasi Washington – Dinner: Desert
Masego – Study abroad: extended stay

Best R&B Album

Snoh Aalegra – Temporary Peaks in Purple Skies
Jon Batiste – We are
Leon Bridges – Sound of the Gold Diggers
ELLE – Back of My Mind
Jazmine Sullivan – Heaux Tales

To dance

Best dance recording

Afrojack & David Guetta – Hero
Ólafur Arnalds, Bonobo – Loom
James Blake – Before
Bonobo, totally huge extinct dinosaurs – Heartbreak
Caribou – You can do it
Rüfüs du Sol – Alive
Tiësto – the company

Best Dance / Electronic Album

Black coffee – Unconsciously
Illenium – Fallen Embers
Major Lazer – Music is the weapon (Reloaded)
Marshmello – Shock wave
Sylvan Esso – Free Love
Ten City – Judgment


Best Remixed Recording

Soul II Soul – Return to Life (Booka T Kings of Soul Satta Dub)
Papa Roach – Born to Greatness (Cymek Remix)
KD Lang – Constant Craving (Fashionable Remix)
Zedd, Griff – Inside Out (3Scape Drm Remix)
Demi Lovato, Ariana Grande – I Met Him Last Night (Dave Audé Remix)
Deftones – Passenger (Mike Shinoda Remix)
PVA – Conferences (Mura Masa Remix)

Music for visual media

Best Compilation Soundtrack For Visual Media

Dear Evan Hansen
In the heights
One night in Miami …
The respect
Schmigadoon! Episode 1
The United States vs. Billie Holiday

Best Soundtrack For Visual Media

Kris Bowers – Bridgerton
Hans Zimmer – Dune
Ludwig Göransson – The Mandalorian: Season 2, Vol. 2 (Chapters 13-16)
Carlos Rafael Rivera – The Queen’s Gambit
Jon Batiste, Trent Reznor and Atticus Ross – Soul

Best Song Written For Visual Media

Kristen Anderson-Lopez and Robert Lopez with Kathryn Hahn, Eric Bradley, Greg Whipple, Jasper Randall and Gerald White – Agatha All Along
Bo Burnham – All Eyes On Me
Rose – All I know so far
SHE – Fight for you
Jennifer Hudson – Here I am (Singing to get home)
Leslie Odom, Jr. – Speak Now


Producer of the year, non-classic

Jack Antonoff
Roget Chahayed
Mike Elizondo
ricky reed

Music Video / Film


AC / DC – Shot in the dark
Jon Batiste – Freedom
Tony Bennett, Lady Gaga – I’m Crazy About You
Justin Bieber, Daniel Cesar – Fisheries
Billie Eilish – Happier Than Ever
Lil Nas X – Montero (Call me by your name)

Best Musical Film

Bo Burnham – Inside
David Byrne – David Byrne’s American Utopia
Billie Eilish – Happier Than Ever (A Love Letter to Los Angeles)
Jimi Hendrix – Music, money, madness… Jimi Hendrix in Maui
Various artists – Summer of the soul

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NetEase’s music streaming unit Cloud Village targets US $ 453 million as it relaunches Hong Kong IPO suspended amid tech crackdown Tue, 23 Nov 2021 09:30:00 +0000

Cloud Village, NetEase’s music streaming affiliate, aims to raise up to $ 453 million relaunch of its initial public offering in Hong Kong which was postponed in August in the middle of a regulatory repression on Chinese Internet companies.

The Hangzhou-based company is selling a total of 16 million shares, or 7.2% of its enlarged share capital, at HK $ 190 (US $ 24.38) to HK $ 220 each. There is an over-allotment option to sell up to an additional 2.4 million shares if demand is strong enough.

In August Cloud Village obtained the green light from the listing committee of the Hong Kong Stock Exchange which would have allowed it to launch a sale of shares. But he decided to postpone as Chinese tech companies struggled with increased regulatory control.

Do you have questions on the biggest topics and trends from around the world? Get the answers with SCMP knowledge, our new curated content platform with explanations, FAQs, analysis and infographics brought to you by our award-winning team.

Beijing’s crackdown, targeting the tech giant’s anti-competitive behavior and abuse of data privacy, has dried up IPO deals in Hong Kong. Fundraising in the third quarter of this year was the lowest since the first quarter of 2020, when Covid-19 killed the market.

At the time, Chinese tech companies faced uncertainty over proposed regulations that required platform operators with at least one million personal user data to pass the cybersecurity exam before applying. an IPO.

But on November 14, a separate set of draft regulation clarified that the requirement does not apply to applicants for the Hong Kong IPO, paving the way for some new issuers to move their transactions forward.

Bank of America, CICC and Credit Suisse are the co-sponsors and co-bookkeepers of the transaction. Cloud Village shares are scheduled to debut on December 2 and will trade on the main board under the stock code “9899”. The IPO will end on Friday.

An updated prospectus revealed that three key investors have pledged to take a portion of the shares. These are parent company NetEase, Sony Music Entertainment and asset manager Orbis Investments, which together plan to invest $ 350 million, or up to 83% of the total value of the IPO. assuming it is in the middle of the range.

NetEase, one of the largest internet companies and game publishers in China, owns 62.5% of Cloud Village. Other shareholders include the owner of this newspaper, Alibaba Group Holding.

Yet the loss-making company has already said it will face more losses in the next few years.

The company, which claimed to have 60 million music tracks and 185 million monthly users at the end of June, including the largest number of Japanese pop, or J-pop, music fans in China, said it did. was “at a relatively early stage”. to turn fandom into profit.

“Due to our continued investments in content, technology, marketing initiatives as well as research and development … we expect to remain in deficit for the years ending December 31, 2021, 2022 and 2023.”

Monthly paying users of Cloud Village’s online music services grew to 26.1 million in the six-month period ended June of this year, double the level of a year ago. Net loss attributable to shareholders totaled 3.8 billion yuan ($ 595 million) for the first half, compared with 1 billion yuan a year earlier.

Cloud Village plans to use the net proceeds from its IPO to expand its music library and invest in technology.

This article was originally published in the South China Morning Post (SCMP), the most authoritative voice on China and Asia for over a century. For more SCMP stories, please explore the SCMP application or visit the SCMP Facebook and Twitter pages. Copyright © 2021 South China Morning Post Publishers Ltd. All rights reserved.

Copyright (c) 2021. South China Morning Post Publishers Ltd. All rights reserved.

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What is a balloon mortgage payment? Mon, 22 Nov 2021 23:56:48 +0000

When you are considering home loan options, you may come across something called a lump sum payment. A lump sum payment is often tied to a lump sum loan, which may have lower upfront payments than a traditional loan, but can also increase your risk as a borrower.

Before accepting a loan with a lump sum payment, make sure you know the risks and understand your options when the loan needs to be paid off.

What is a lump sum payment?

Most lump sum loans require a lump sum payment, a large lump sum due at the end of the term to pay off the balance. This final amount is often more than twice the average monthly loan payment.

Monthly payments are usually lower for a balloon loan than a traditional 30-year mortgage, because the lender accepts the interest rate risk for, say, 10 years instead of 30, says Evan Swanson, Mortgage Advisor at Cherry. Creek Mortgage.

“In other words, from the lender’s point of view, they are guaranteed to get their loan amount back within 10 years,” Swanson said. “Assuming interest rates rise over the initial 10-year period, then lenders are able to lend the money again for a higher interest rate.”

From the borrower’s perspective, the trade-off for lower monthly payments may be the substantial lump sum payment. Swanson gives the example of a $ 100,000 30-year loan with an interest rate of 3.5% compared to a 10-year balloon mortgage.

“The borrower’s monthly payment is based on the amount needed to repay the loan over a period of 30 years”, in this case $ 449.04, he says.

You will make the same monthly payment with the balloon loan, but you will owe a balloon payment of almost $ 78,000 unless you refinance after 10 years.

Note that lump sum payments are not allowed for most qualifying mortgages, which may not include certain subprime loan features.

How is a balloon loan different from other home loans?

The main difference between a balloon loan and other home loans is that the former leaves the borrower with a principal balance at the end of the term, and the latter is paid off entirely through amortization. The amortization process spreads out the principal and interest over time to pay off the debt.

Another difference is that a balloon mortgage has a much shorter term of five to 10 years compared to 30 years for a traditional mortgage.

“If you have a seven-year balloon, you’ll get a monthly payment based on 15- or 30-year amortization,” says Carolyn Morganbesser, senior director of mortgage origination at Affinity Federal Credit Union. “But after seven years your loan is due.”

You might only pay interest each month or part of the interest and principal, but in all cases, you will owe a lump sum at the end of a balloon loan.

What are the advantages and disadvantages of a balloon loan?

  • Interest rate. Balloon loans can have lower interest rates than standard fixed rate loans because balloon loans have to be repaid faster, which means they can be less risky for lenders.
  • Monthly installments. Paying little or no principal results in a low monthly payment until the lump sum payment is due.
  • Amount of the loan. A balloon loan can allow you to buy more home or move into a home sooner than you would otherwise.

  • Large final payment. It can amount to tens of thousands of dollars.
  • Risk. If you can’t make the lump sum payment, refinance, or sell the house, you could lose the property to foreclosure and damage your credit.
  • Low equity. You will accumulate little or no equity in your home if your monthly payments are mostly or all interest, and refinancing could be difficult.

How to qualify for a balloon loan?

If your income or credit is lacking, a balloon loan may not be for you. This high-risk loan requires a excellent credit rating, a large down payment and a substantial income.

Overall, the process of qualifying for a balloon loan is similar to the process for a traditional loan. The lender will ask for proof of income and verify your debt to income ratio and credit to determine your ability to repay the loan.

“To apply for a balloon loan, you have to apply for one of the mortgages mentioned in essentially the same way,” says Lamar Brabham, CEO and founder of Noel Taylor Agency, a financial services company in North Myrtle Beach, South Carolina. .

How do I calculate my balloon loan payment?

The easiest way to calculate your lump sum payment is to use a free online lump sum payment calculator from one of the many banking websites.

Calculators typically require the price of the house, the down payment amount, the loan term, and the interest rate to calculate your monthly payment and lump sum payment.

How can I repay a balloon loan?

Ultimately, you need the money to make the final payment for the ball. You have three options: save, sell, or refinance. Whichever you choose, make sure you have a repayment plan before you apply for a balloon loan.

To safeguard: If you can, save enough money to pay off the loan balance when it comes due. It is best if you earn a substantial income or if you anticipate an increase in income before you make the payment.

To sell: Often a home will be sold before the lump sum payment is due, and the proceeds can be used to pay off the loan.

Refinancing: If you want to keep your property, you can refinance the balloon loan by using the proceeds from a second loan to make the balloon payment. It’s the most common practice for borrowers who don’t want to sell, Brabham says.

Should I get a balloon loan?

  • You have enough money to cover the lump sum payment or are sure to receive a lump sum, such as a bonus or an inheritance, before it is due.
  • You are looking for short-term financing and plan to sell or refinance the home before you owe the lump sum payment.
  • You are sure not to stay long in the accommodation and sell it before having to pay the package.

Balloon loans may seem appealing given their low initial monthly payments, but they are not for everyone. Most borrowers today are opting for fixed rate mortgages because the rates are near their all-time lows, Woods says.
“Balloon loans are typically offered for higher risk lending scenarios, where the lender is unwilling to offer long term financing based on the current situation,” Woods said.

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The 11 best music books of 2021 Mon, 22 Nov 2021 18:35:48 +0000

Read our Michelle Zauner profile

Crying in H Mart

By Michelle Zauner

In search of the raga: an improvisation on Indian music

By Amit Chaudhuri

Amit Chaudhuri has led many lives. The novelist, essayist, teacher and musician has spent time in London, Bombay and Calcutta and studied North Indian classical music and American folk. Growing up, he learned the guitar and aspired to be a western pop star until he met his mother’s Indian classical music teacher. Chaudhuri’s last book, Find the Raga, uses non-linear writing techniques to reflect the slippery nature of his identity. He jumps between continents, years and schools of philosophy, interweaving his personal history with music theory, analyzes of the differences between Western and South Asian music, and general reflections on the act of listening.

The writing is teeming with charming anecdotes – it compares the tone of Bob Dylan’s distant lyricism in “Don’t Think Twice, All is Well” to the longing for devotional poetry of Bhakti, and ruminates on the way the world sounded. differently living on the third story of an apartment rather than the 12, but it can also get exhilarating. Closely following his stream of consciousness, Chaudhuri’s writing is gratifying for its attention to detail – the precision with which he remembers his mother’s singing voice, the care he takes in explaining the linguistic history of the word. “Khayal” – and his insight as someone of two cultures. Find the Raga will make you want to listen in the way of its author: generous while drawing meaning from every element of a song. –Vrinda Jagota

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In search of the raga: an improvisation on Indian music

By Amit Chaudhuri

In defense of the Ska

By Aaron Carnes

All roads lead to ska. Or at least, that’s what the editor of the Santa Cruz weekly, Aaron Carnes, disputes In defense of the Ska, an oral history that connects everyone from Dan Deacon to Danny Elfman to the much-maligned musical movement. Through more than 150 interviews, Carnes sketches the vast landscape of ska, from its roots in Jamaican pop music in the late 1950s to its cultural nadir in the fedora-clad ‘third wave’ of the ’90s, recounting the ups and downs. the downs of dozens of bands fight to be more than a punchline.

For fans of the genre, the book contains intimate information from ska legends like original Specials member Jerry Dammers and Operation Ivy drummer Dave Mello. But for the uninitiated (or ska skeptics), it offers a larger narrative on the importance of maintaining local music scenes. The stories Carnes told – musicians who sold their instruments to stay afloat, concerts that became battlegrounds between Nazi skinheads and anti-racist punks, bands that never left their hometown but inspired countless others to form their own groups – not unique to ska, and perhaps that is the point. In defense of the Ska is a lovingly written defense of a vibrant and diverse musical underground that has remained afloat against all odds. Loving Skankin ‘Pickle is hardly enough to appreciate this tenacity, but those with an open mind might find a new favorite band along the way. –Arielle Gordon

In defense of the Ska

By Aaron Carnes

Last Chance Texaco: Chronicles of an American troubadour

By Rickie Lee Jones

Like a good folk song, Rickie Lee Jones’ autobiography wanders and repeats itself, tells a story and lodges in your head. The 67-year-old songwriter can go from romantic details of childhood to big reflections on existence that read like aphorisms. “Life is a locomotive,” she writes, “and as long as you look at it from a distance, it takes a long time to pass. »Focusing on his early career, Last Chance Texaco is at its peak when Jones seems to stop time, giving a line-by-line glimpse into his creative process. In other passages, she analyzes her formative years at the Troubadour in the late 1970s and the relationships that formed around her scene with young West Hollywood songwriters like Tom Waits and Lowell George of Little Feat. “Do women have an impact on men or is it just the other way around? She asks, reckoning with the myth of the male genius and the female muse, and repositioning her influence with a generation of artists. With captivating prose and beautifully rendered scenes that will stay in your memory, Last Chance Texaco sets the record straight. –Sam Sodomsky

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Last Chance Texaco

By Rickie Lee Jones

Side Notes for Revolution: The Intellectual Life of the Feminist Noir Sound

By Daphne A. Brooks

The third book by Yale professor Daphne A. Brooks is an in-depth study of the contributions of black women to the history of music and a rigorous mapping of their lives as intellectuals. From Bessie Smith to Beyoncé, Brooks makes a monumental fix to how black women are “too rarely seen as creators of rare sounds deemed worthy of digging and study”, and challenges us to imagine a culture that puts black women at their “full” center of arrest. The recordings of Abbey Lincoln, Lauryn Hill and Janelle Monáe are theorized as critical works. The early black feminist cultural writings of Pauline Hopkins and author Zora Neale Hurston are meticulously contextualized, and one chapter explores the possible influence of playwright Lorraine Hansberry on groundbreaking feminist music critic Ellen Willis. Brooks’ goal is to bring black studies into conversation with music journalism, to question how genius notions relate to access to archives, knowledge and power. She draws on the radical archival imagination of Saidiya Hartman as well as the secret history of time-traveling Greil Marcus, and she also interviews her own mother, all in the name of a positively “critical connection”. revolutionary. –Jenn Pelly

Side Notes for Revolution: The Intellectual Life of the Feminist Noir Sound

By Daphne A. Brooks

Major labels: a history of popular music in seven genres

By Kelefa Sanneh

If you’ve been constantly looking on Wikipedia for the difference between hard rock, progressive rock and acid rock, or if you’ve been thinking about switching from pop music (as in popular music in general) to pop music (as in Katy Perry and Madonna), then Kelefa Sanneh Main labels is the book for you. Sanneh, a New Yorker editor, was the New York Times‘pop critic between 2000 and 2008, where he wrote the definitive piece against rockism. In Large labels, he draws on his vast musical expertise and personal history to trace the last half-century of American and British music through the development of seven genres: rock, R&B, country, punk, hip-hop, dance and pop. Some might find the genre emphasis silly at a time when streaming platforms promise a ‘genderless’ experience, and young people seamlessly surfing from country-rap to reggaeton, but Spotify hasn’t won so much. the classifications he created his own set. Tracing many of the splits, detours and consolidations that have shaped the musical identity so far, Main labels prepares us for new tidal changes. “Since the 1960s, music has been a means of identification,” observes Sanneh, “a means for young people, in particular, to show that they are not like everyone else. As long as this remains true, we will always have musical tribes. -Cat Zhang

K-pop group BTS made SO MUCH money from commercials in 2021; the amount will leave your eyes popping Mon, 22 Nov 2021 12:40:58 +0000

Korean pop group BTS has fans all over the world. Jungkook, RM, Jin, V, J-Hope, Suga, and Jimin are loved by all of their fans who are desperate to catch a glimpse of the septet. With such popularity, BTS is definitely becoming one of the most popular artist groups for commercials. If a brand has these seven product promotions, it is bound to affect sales. Well, with a large amount of commercials coming up, BTS has made a lot of money this year. Also Read – BTS: ‘Please Conclude’ Gets ARMYs Attention As Jin Kicks HILARIOUSLY Jungkook Off Mic at 2021 AMAs

The year 2021 has so far been a very successful one for BTS. Besides winning prizes, they bagged lots of ads and even won a huge amount from it. Their biggest association was with McDonalds for BTS Meal. As reported by Showbiz Cheatsheat, he made $ 8.89 million from this deal. BTS partnered with Fila, Samsung, Hyundai and a Korean beer brand called Kloud during this year. South Korea’s Entertainment Weekly Live reported that in 2021, BTS has earned $ 55 million over the year so far. It is reported that BTS made the most money from advertising in South Korea. Despite the pandemic and its effects, BTS has managed to keep its finances in place. Also Read – AMA 2021: From BTS Award Winning Artist of the Year to Jungkook’s English Speech J-Hope-Becky G flying kiss, RM vibrating to Chloe Bailey – 13 Golden Moments You Shouldn’t Miss

Meanwhile, BTS is currently all the rage as they have won big prizes at the American Music Awards. They were named as the Artist of the Year. They managed to beat Taylor Swift, Ariana Grande, The Weeknd, and others. Their song Butter became the favorite pop song. They also performed on My Universe with Coldplay. Also Read – AMA 2021: BTS bag Artist of the Year beating Drake, Ariana Grande and more; also lift the favorite duo or group, favorite pop song; THE ARMY explodes with joy – see the tweets

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