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☆ The beautiful African paradise islands that most tourists don’t know about
▼ + stars: | 2024-04-10 | by ( Joe Yogerst | ) edition.cnn.com time to read: +9 min

CNN —A couple of African paradise islands have been on the radar of avid world travelers for some time. Shellfish Bay on the island’s windward side shelters one of East Africa’s most spectacular beaches, a crescent of white sand framed by 100-meter dunes. Bazaruto Island Resort, the island’s top digs, can arrange scuba diving and snorkeling, sailing on traditional dhow boats, guided 4x4 wildlife safaris, sandboarding on the dunes and other outdoor activities. Lamu’s best beaches are on the island’s windward side, around a 30–40-minute walk via Shela village. — and an ancient stone nilometer for measuring the river’s water level — reflect the island’s importance during pharaonic times.

Persons: São Filipe, Denis, Ponta, Ariadne Van Zandbergen, Dar es Organizations: CNN, Ethiopian Airways, oneworld, Getty, UNESCO, Heritage, Cabo Verde Airlines, Overseas, Paris Orly, Animalia Museum, Egypt, Vogue, Reserve, Dar es Salam Locations: Mauritius, Seychelles, Canary, Africa, Madagascar, Addis Ababa, Bazaruto, Mozambique, East, sandboarding, Johannesburg, Vilanculos, Lamu, Kenya, Manda, Malindi, Nairobi, JamboJet, Fogo, Cape Verde, Cabo Verde, West Africa, Pico, Verde’s, Praia, Overseas Territory, Réunion, French Caribbean, L’Hermitage, Saint, Paris, Antananarivo, Elephantine, Egypt, Aswan, Bissagos, Guinea, Bissau, Bubaque, Pemba, Tanzania, Zanzibar, Tanga, Dar, FlightLink

☆ Plan to buy a home in the next year or two? Here are 5 steps to take now to get your finances ready
▼ + stars: | 2024-04-04 | by ( Jeanne Sahadi | ) edition.cnn.com time to read: +7 min

Mortgage lenders will consider lots of different metrics and circumstances when assessing your creditworthiness. Check your credit reports and credit scoresTwo other factors lenders will consider are your credit history and credit score. Kill the credit card debtA key way to improve your credit score is to reduce your credit card debt. “The minute they pull your credit score, it is going to [reflect] what is on my credit card that day,” MBA’s Seiler said. “Because there are many variables that affect an individual consumer’s credit score, we can’t say a specific number of months,” FICO’s Zeibert said.

Persons: ”, Avi Adler, Sara Zuckerman, Margaret Poe, Poe, you’ll, Eddie Seiler, Joe Zeibert, You’re, ” Adler, MBA’s Seiler, ” FICO’s Zeibert, “, ” Seiler, Zuckerman, Adler, ” Zuckerman Organizations: New, New York CNN, Long & Foster, Consumer Financial, Bureau, Mortgage, Association Locations: New York, annualcreditreport.com, TransUnion

☆ ‘It felt so wrong’: Chumbawamba wants New Zealand politician to stop playing ‘Tubthumping’ at rallies
▼ + stars: | 2024-04-03 | by ( Dhruv Tikekar | ) edition.cnn.com time to read: +8 min

But those headlines were soon eclipsed by Chumbawamba publicly condemning Peters’ use of its song. “Everything that Peters stands for is counter to Chumbawamba’s world view,” the band’s founding member and former vocalist, Dunstan Bruce, told CNN. Chumbawamba, which broke up in 2012, has asked its former record company, Sony Music Publishing, to issue a cease-and-desist letter to New Zealand First. In response to CNN’s request for comment, New Zealand First Party President Julian Paul said the party had nothing further to add. “As we rise, the dirt will start all over again,” he said during a party convention in July, according to a transcript published by New Zealand First.

Persons: Winston Peters strode, Peters, ” Peters, Chumbawamba, Dunstan Bruce, Winston Peters, Hagen Hopkins, ” Chumbawamba, “ Tubthumping, ”, Bruce, “, Peter Dungate, ” It’s, Eminem, Vivek Ramaswamy, Donald Trump, Rihanna, Pharrell Williams, Bruce Springsteen, Nigel Farage, Hutton Supancic, Julian Paul, Emmanuel Heisbourg, Heisbourg, “ tubthumping, You’re, — Peters, ‘ Organizations: CNN, New Zealand First, Labour, New, National, ACT, New Zealand, General Motors, Sony Music Publishing, APRA, NZ, New Zealand’s National Party, rapper’s, Republican, Independence Party, UKIP, Southwest, SXSW UKIP, University of Montreal Locations: Palmerston, British, Nazi Germany, New, New Zealand

☆ Mortgage rates edge closer to 7%, dampening start of spring homebuying season
▼ + stars: | 2024-02-29 | by ( Anna Bahney | ) edition.cnn.com time to read: +4 min

Washington, DC CNN —Mortgage rates climbed for the fourth week in a row, inching closer to 7% just as peak homebuying season gets underway. Since reaching a 20-year high of 7.79% in October, mortgage rates have been slowly falling. The average mortgage rate is based on mortgage applications that Freddie Mac receives from thousands of lenders across the country. Last week, mortgage applications dropped 5.6% from the week before, according to the MBA. Higher home prices pushed loan amounts higher in January, offsetting what was a monthly decline in mortgage rates, said Edward Seiler, MBA’s associate vice president for housing economics.

Persons: Freddie Mac, ”, Sam Khater, Freddie Mac’s, Khater, Bob Broeksmit, Mike Fratantoni, Edward Seiler, MBA’s, Lawrence Yun Organizations: DC CNN —, “, Federal Reserve, Mortgage, Association, National Association of Realtors Locations: Washington

☆ At Sundance, a reckoning with our digital selves
▼ + stars: | 2024-01-29 | by ( Thomas Page | ) edition.cnn.com time to read: +11 min

Harper that premiered at this month’s Sundance Film Festival, rapper Kemba enters an electronics store. Sundance is a broad church, but one throughline this year was a reckoning with our digital selves. Courtesy of Sundance InstituteIn the game Steen could be whatever he wanted to be, do whatever he wanted to do. The Sundance Film Festival concluded on January 28. Documentary Competition)“Sujo” (World Cinema Dramatic Competition)“A New Kind of Wilderness” (World Cinema Documentary Competition)Audience Favorite Awards“Daughters” (U.S.

Persons: J.M, Harper, Kemba, “, headspace Harper, Deus, J.M . Harper, Jazmin Jones, Olivia McKayla Ross, Mavis Beacon, Mandela, she’s, Jones, McKayla Ross Gen, we’re, Siri, knotty, L’espérance, feelgood, Thelma, Squibb, Beacon, Yeleen Cohen, ”, Kristin Stewart, Sam, Andy Zuchero, Stewart, Steven Yeun, Déja, Liam, “ Sebastian ”, Mikko Mäkelä, Ruaridh, Mollica, David Nellist, Sebastian, James Watson, “ Ibelin, Benjamin Ree, Mats Steen, Steen, Steen’s, Ibelin . Ibelin, he’d, Ree, Ibelin, Steen's avater Ibelin, It’s, ’ “, Steen –, Sujo, Dìdi ”, Ibelin ”, Kneecap Organizations: CNN, Sundance, Motorola, Sundance Institute, Americans, Iam, AIs, Netflix, Sundance Film Locations: “, Haiti, ”, New York, Norwegian

☆ Mortgage rates drop for fifth straight week
▼ + stars: | 2023-11-30 | by ( Anna Bahney | ) edition.cnn.com time to read: +5 min

It’s the fifth straight week rates have moved lower. The average mortgage rate is based on mortgage applications that Freddie Mac receives from thousands of lenders across the country. When Treasury yields go up, so do mortgage rates; when they go down, mortgage rates tend to follow. According to a forecast from Realtor.com, the average mortgage rate is projected to be 6.8% in the next year. “As mortgage rates are expected to remain elevated, current homeowners with low mortgage rates are expected to stay put, leading to a decline in for-sale inventory,” said Xu.

Persons: Freddie Mac, ”, Sam Khater, Freddie Mac’s, “, Khater, Jiayi Xu, Xu, ” Xu, Joel Kan, ” Kan Organizations: DC CNN —, Inflation, Federal, Realtor.com, Treasury, Mortgage, Association Locations: Washington

☆ Mortgage rates plummet by largest amount in a year
▼ + stars: | 2023-11-09 | by ( Manav Tanneeru | Anna Bahney | ) edition.cnn.com time to read: +5 min

Washington, DC CNN —Mortgage rates tumbled this week in the biggest one-week drop since last November. “Many consumers are feeling strained by the high cost of living, so unless mortgage rates decrease significantly, the housing market will remain stagnant.”The average mortgage rate is based on mortgage applications that Freddie Mac receives from thousands of lenders across the country. When Treasury yields go up, so do mortgage rates; when they go down, mortgage rates tend to follow. But while mortgage rates remain relatively high, the difference between rates now and what they were a year ago has narrowed, said Lisa Sturtevant, chief economist at Bright Multiple Listing Service. “We are in a new era for mortgage rates, where prospective homebuyers can expect rates to settle above 6%,” said Sturtevant.

Persons: It’s, Freddie Mac, ”, Sam Khater, Freddie Mac’s, Joel Kan, Jiayi Xu, Xu, Realtor.com, Lisa Sturtevant, Sturtevant Organizations: DC CNN —, “, Treasury, Mortgage, Association Locations: Washington

☆ A Bridal Fashion Newcomer Stages a Grand Debut
▼ + stars: | 2023-10-20 | by ( Sadiba Hasan | Jason Andrew | ) www.nytimes.com time to read: +1 min

They had flown in from New York, Miami, Atlanta, Dallas and Los Angeles, which is not unusual for the typical big city fashion show. But this was in Middleburg, Va., an hour away from the Washington airport. That’s the kind of ride-or-die community that Anifa Mvuemba, 32, the founder of the clothing brand Hanifa, has cultivated. Guest lists at fashion shows usually include celebrities, influencers and media, but this one largely comprised longtime friends, supporters and family members, including five siblings, who were willing to travel for the show. But she made it easier, appealing to people who are willing to invest in quality pieces that don’t cost thousands.

Persons: Hanifa Locations: New York, Miami, Atlanta, Dallas, Los Angeles, Middleburg, Va, Washington

☆ Mortgage applications rose last week, despite stubbornly high rates
▼ + stars: | 2023-09-20 | by ( Anna Bahney | ) edition.cnn.com time to read: +2 min

Washington, DC CNN —Mortgage applications rose last week, even as mortgage rates remain stubbornly high, an indication that at least some buyers are determined to move forward with a home purchase in one of the most challenging markets in decades. “Mortgage applications increased last week, despite the 30-year fixed-rate edging back up,” said Joel Kan, MBA’s vice president and deputy chief economist. The increase in total mortgage applications was driven higher by a surprise increase in applications to refinance a mortgage. Refinance applications climbed 13% from the previous week, but were still almost 30% below the same week one year ago. The MBA noted that this week’s data is compared to the prior week’s data, which included an adjustment for the Labor Day holiday.

Persons: ”, Joel Kan, Jerome Powell, Kan, homebuyers, Black Knight Organizations: DC CNN —, Mortgage, Association, “, Labor Locations: Washington, Black

☆ Sri Lankan food and chefs finally get global recognition
▼ + stars: | 2023-09-08 | by ( Zinara Rathnayake | ) edition.cnn.com time to read: +9 min

The tourism connectionThe increased visibility of Sri Lankan cuisine has “been a long time coming,” Meewalla says. “This continuous online exposure makes people try out Sri Lankan food in restaurants.”Diverse influencesToday, more and more Sri Lankan chefs across the world are championing Sri Lankan food while defying common misconceptions about the cuisine. “It has helped change the global perception that Sri Lankan food is different from Indian food, and it’s not only a lot of curries paired with rice,” Williams says. Meewella points out that Sri Lankan cuisine is also heavily plant-based with many vegan options, which helps the cuisine stand out and resonate with global audiences. I cannot wait for casual Sri Lankan food to become a nationwide craving across America.”

Persons: Kolamba, Aushi Meewella, ” Meewalla, ”, Meewella, Dhayanie Williams, “ We’ve, it’s, ” Williams, Sam Fore, Bruno Morandi, “, Williams, Brian Senaratne, Curry Bowl’s, We’ve Organizations: CNN, Sri, MasterChef, Masterchef, Bank, Curry Bowl Locations: London’s Soho, Sri Lankan, Sri Lanka, London, Sri, Lankans, Lankan, Kolamba, Tamil, Sri Lankans, American, Lexington , Kentucky, Lexington, Uppuveli, Nadodi, Kuala Lumpur, Zagreb, Croatia, America

☆ Home affordability is the worst it has been since 1984
▼ + stars: | 2023-08-24 | by ( Anna Bahney | ) edition.cnn.com time to read: +5 min

Washington, DC CNN —Buying a house requires a much bigger slice of people’s income now — making this the most unaffordable housing market since 1984, by one measure. The number of cost-burdened renters increased by 1.2 million, to a record 21.6 million households, between 2019 and 2021. In all, 40.6 million households were housing-cost burdened in 2021, including 20.3 million who were severely burdened. Affordability picture remains grim this yearHopeful house hunters continued to face challenging affordability conditions in July as rising mortgage rates and historically low housing inventory pushed prices higher, said Edward Seiler, the Mortgage Bankers Association’s associate vice president for housing economics. “Unfortunately, given today’s lack of inventory and affordability levels, it may take years before home affordability returns to more ‘normal’ levels,” he said.

Persons: Black Knight, Knight, “, ”, Andy Walden, Edward Seiler, Seiler, Joel Kan, Walden, ” It’s Organizations: DC CNN, Federal Reserve, Black, Joint Center for Housing Studies of Harvard University, Mortgage, Moody’s Investors Service Locations: Washington

☆ Homeowners are tapping into home equity to get cash
▼ + stars: | 2023-08-16 | by ( Anna Bahney | ) edition.cnn.com time to read: +5 min

That means homeowners are now collectively sitting on nearly $30 trillion in home equity, according to the St. Louis Federal Reserve. Other reasons that borrowers gave for taking out a HELOC or home equity loan included debt consolidation and emergency cash management. Hidden source of valueA homeowner’s equity in their home can be a tremendous source of wealth. A homeowner’s equity will fluctuate over time as they make payments on their mortgage and real estate market dynamics impact the current value of the home. Mortgage balances stay high because of home equity loansNationally, mortgage balances remain near record highs as some people turn to home equity loans, rather than HELOCs, according to a quarterly report from TransUnion.

Persons: ”, Marina Walsh, ” Walsh, HELOC originations, Joe Mellman, Freddie Mac, Mellman Organizations: DC CNN, Louis Federal Reserve, Equity Lines of, Mortgage, Association, TransUnion, “, refinances Locations: Washington, originations, U.S

☆ Qualifying for a mortgage is getting harder, as credit availability is the tightest in a decade
▼ + stars: | 2023-08-08 | by ( Anna Bahney | ) edition.cnn.com time to read: +2 min

A decline in the Mortgage Credit Availability Index indicates that lending standards are tightening, while increases in the index would indicate loosening credit. Mortgage credit availability has been tightening since the spring, according to MBA, with a slight uptick in availability in June, when levels were essentially unchanged. Credit availability then fell again in July, to a decade low. In July, the conventional loan index, which examines non-government loan programs, decreased 0.5%. The government loan index, which examines Federal Housing Administration, Department of Veterans Affairs and US Department of Agriculture loan programs, was down by 0.1%.

Persons: Joel Kan, Freddie Mac, Fannie Mae, Kan, ” Kan Organizations: DC CNN, Mortgage Bankers Association, ICE Mortgage Technology, Mortgage, Housing Administration, Department of Veterans Affairs, US Department of Agriculture Locations: Washington

☆ Shopping for a home? There’s a lot working against you right now
▼ + stars: | 2023-07-25 | by ( Anna Bahney | ) edition.cnn.com time to read: +6 min

In recent weeks, as mortgage rates closed in on 7%, affordability has worsened. Nationally, it takes about 36% of the median household income to make the average mortgage payment — more than the recommended 30% allowance for housing. The Mortgage Credit Availability Index fell by 3.1% to 96.5 in May, the lowest level since January 2013, and was essentially unchanged in June. The MBA index that tracks jumbo loans — loans that are larger than conforming loan limits — saw its second monthly contraction, as some financial institutions reduce their appetite for larger loans that aren’t backed by the government. Mortgage rates are expected to drop the second half of this year as inflation continues to cool, with economists and housing analysts forecasting rates to end the year around 6%.

Persons: Nick Gaylord, “ I’ve, ” Gaylord, it’s, “ I’m, ”, Gaylord, “, Black Knight, Knight, ” Joel Kan, Department of Veterans Affairs —, — Organizations: DC CNN, CNN, Mortgage Bankers Association, ICE Mortgage Technology, Federal Housing Administration, US Department of Agriculture, Department of Veterans Affairs, National Association of Realtors Locations: Washington, Minneapolis

☆ Mortgage rates jump to 6.81%, their highest level this year
▼ + stars: | 2023-07-06 | by ( Anna Bahney | ) edition.cnn.com time to read: +4 min

Washington, DC CNN —US mortgage rates jumped up this week as recent economic data showed inflation remains sticky and the job market is still red hot. The 30-year fixed-rate mortgage averaged 6.81% in the week ending July 6, up from 6.71% the week before, according to data from Freddie Mac released Thursday. “Mortgage rates continued their upward trajectory again this week, rising to the highest rate this year so far,” said Sam Khater, Freddie Mac’s chief economist. These high rates combined with low inventory continue to price many potential homebuyers out of the market.”The average mortgage rate is based on mortgage applications that Freddie Mac receives from thousands of lenders across the country. Rates ticked up last week, mirroring the trend of the yield on 10-year Treasuries, which are reacting to economic data that suggests stubborn inflation may be stuck at an elevated level.

Persons: Freddie Mac, ”, Sam Khater, Freddie Mac’s, Jiayi Xu, “, Xu, homebuyers, Joel Kan Organizations: DC CNN, “, Federal Reserve, Realtor.com, ”, Mortgage, Association Locations: Washington, ”

☆ Commercial and multifamily mortgage delinquencies rose in the first part of 2023
▼ + stars: | 2023-06-02 | by ( Anna Bahney | ) edition.cnn.com time to read: +3 min

Washington, DC CNN —Commercial and multifamily mortgage delinquencies increased in the first quarter of 2023, according to a new report from the Mortgage Bankers Association. “Ongoing stress caused by higher interest rates, uncertainty around property values, and questions about fundamentals in some property markets are beginning to show up in commercial mortgage delinquency rates,” said Jamie Woodwell, MBA’s head of commercial real estate research. Freddie Mac had a delinquency rate of 0.13%, an increase of 0.01 percentage points from the fourth quarter of 2022. Commercial mortgage-backed securities had a delinquency rate of 3%, an increase of 0.10 percentage points from the end of 2022. The FDIC delinquency rates for bank and thrift held mortgages reported here do include loans backed by owner-occupied commercial properties.

Persons: ”, Jamie Woodwell, ” Woodwell, Fannie Mae, Freddie Mac, Banks, thrifts Organizations: DC CNN —, Mortgage, Association, Federal Reserve Locations: Washington

☆ They dated as teenagers. 40 years later, she decided to go on vacation with him
▼ + stars: | 2023-04-14 | by ( Francesca Street | ) edition.cnn.com time to read: +13 min

“Our hallways in this school, they were outside, and so there’s this beam of sunlight shining down on her,” recalls Bo. “I’d say, ‘Come to my window and I’ll talk to you through the window,’” recalls Beverly. The former flames, now both 60, received invites to their 40th high school reunion, taking place at the Clinton Presidential Library in Little Rock. A high school reunionBo and Beverly reunited at a high school reunion and got to know one another on a subsequent sailing vacation. It was “literally a shack of driftwood and washed up lumber slapped together haphazardly on a remote beach,” recalls Bo.

☆ Mortgage rates rise for the fourth week in a row
▼ + stars: | 2023-03-02 | by ( Anna Bahney | ) edition.cnn.com time to read: +4 min

Washington, DC CNN —Mortgage rates shot up for the fourth consecutive week, as inflation concerns remain. “However, given sustained economic growth and continued inflation, mortgage rates boomeranged and are inching up toward 7%.”The lower rates in January brought buyers back into the market, Khater said. The average mortgage rate is based on mortgage applications that Freddie Mac receives from thousands of lenders across the country. When Treasury yields go up, so do mortgage rates; when they go down, mortgage rates tend to follow. “The recent jump in mortgage rates has led to a retreat in purchase applications, with activity down for three straight weeks,” said Bob Broeksmit, MBA’s CEO.

☆ Mortgage applications drop 28% as rates climb
▼ + stars: | 2023-03-01 | by ( Anna Bahney | ) edition.cnn.com time to read: +2 min

With mortgage rates half a percentage point higher over the past month, home buyers are pulling back even as the spring home buying season should be heating up. Mortgage applications were down 5.7% for the week ending February 24 from the week prior as rates trended higher, according to the Mortgage Bankers Association. “After a brief revival in application activity in January when mortgage rates dropped down, there has now been three straight weeks of declines in applications as mortgage rates have jumped 50 basis points over the past month,” said Joel Kan, MBA’s vice president and deputy chief economist. The Fed does not set the interest rates that borrowers pay on mortgages directly, but its actions influence them. Mortgage rates tend to track the yield on 10-year US Treasury bonds, which move based on a combination of anticipation about the Fed’s actions, what the Fed actually does and investors’ reactions.

☆ Biden admin cuts some mortgage fees amid housing affordability crisis
▼ + stars: | 2023-02-22 | by ( Anna Bahney | ) edition.cnn.com time to read: +7 min

The move affects mortgage insurance premiums paid by new borrowers who take out loans insured by the Federal Housing Administration. But for homebuyers struggling to enter the housing market, there are some loans like FHA that come with required mortgage insurance. But for borrowers unable to enter the housing market another way, FHA loans can often be the cheapest option. In addition, only a fraction of all home sales are financed with FHA loans. Only 811,362 out of 5.7 million purchase loans originated in 2021 were FHA loans, or about 14.3%, according to HUD.

☆ Inflation pushes up mortgage rates for second week in a row
▼ + stars: | 2023-02-16 | by ( Anna Bahney | ) edition.cnn.com time to read: +4 min

Washington, DC CNN —Mortgage rates climbed higher for the second consecutive week, following four weeks of declines. After climbing for most of 2022, mortgage rates had been trending downward since November, as various economic indicators indicated inflation may have peaked. Inflation is keeping mortgage rates volatile, said Sam Khater, Freddie Mac’s chief economist. When Treasury yields go up, so do mortgage rates; when they go down, mortgage rates tend to follow. Last week, applications fell 7.7% from one week earlier, according to the Mortgage Bankers Association.

☆ Mortgage rates rise on inflation concerns
▼ + stars: | 2023-02-09 | by ( Anna Bahney | ) edition.cnn.com time to read: +4 min

Washington, DC CNN —Mortgage rates rose this week after four weeks of declines, as a stronger-than-expected jobs report suggested the Federal Reserve would continue hiking its benchmark lending rate in its battle against inflation. After climbing for most of 2022, mortgage rates have been trending downward since November, as various economic indicators continue to show inflation may have peaked. The surprising number makes the Fed’s historic and aggressive efforts to cool the labor market and bring inflation down through rate hikes all the more complicated. “Mortgage rates are likely to continue moving up and down in a narrow range for the next few weeks,” said Ratiu. The average mortgage rate is based on mortgage applications that Freddie Mac receives from thousands of lenders across the country.

☆ Mortgage rates fall for fourth week in a row
▼ + stars: | 2023-02-02 | by ( Anna Bahney | ) edition.cnn.com time to read: +4 min

Washington, DC CNN —Mortgage rates fell slightly this week, as a smaller rate hike by the Federal Reserve signaled promising improvement on inflation. Mortgage rates have not been this low since September and are now nearly a full point below last year’s peak of 7.08%, last reached in early November. When Treasury yields go up, so do mortgage rates; when they go down, mortgage rates tend to follow. “The Federal Reserve controls short-term rates, but long-term rates, including 30-year mortgage rates, are a function of market expectations for the path of the economy,” said Mike Fratantoni, senior vice president and chief economist at the Mortgage Bankers Association. Even with lower rates in recent weeks, mortgage applications dropped 9% last week from the week before, according to MBA.

☆ Black creators say they ‘have to be perfect’ to get promotional products from brands. They want that to change.
▼ + stars: | 2022-12-27 | by ( Daysia Tolentino | Daysia Tolentino Is A Culture | Trends Reporter For Nbc News. | ) www.nbcnews.com time to read: +12 min

Black creators, like Bumba, have been vocal about how the lack of gifting to creators of color demonstrates the inequity in influencer marketing. Black creators say they still feel they have to work twice as hard as their white counterparts. Nimay Ndolo, a Black comedy creator with 1.9 million TikTok followers, said Black creators are often excluded from such opportunities, which limits their success. Black creators have to be “extraordinary” to get what white influencers appear to get with ease, Ndolo said. “I want to see, like, these creators that I’ve been watching — these Black creators, these queer creators, these Hispanic creators, these Asian creators — get more opportunities," she said.

☆ Mortgage rates drop for fifth week in a row
▼ + stars: | 2022-12-15 | by ( Anna Bahney | ) edition.cnn.com time to read: +5 min

Washington, DC CNN —Mortgage rates fell once again this week, dipping for the fifth straight week. But mortgage rates have tumbled in the last several weeks, following data that showed inflation may have finally reached its peak. The rate hike was already factored in to where mortgage rates are, but signaled more good news on inflation. Mortgage rates tend to track the yield on 10-year US Treasury bonds. Mortgage applications tick upFor people looking to buy a home, and homeowners wanting to sell, the retreat in mortgage rates over the past several weeks has been welcome.

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