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Millennials’ Credit Access Not Hindered by Student Loan Debt, Study Shows

first_img The Best Markets For Residential Property Investors 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago May 13, 2015 1,370 Views in Daily Dose, Featured, Market Studies, News Millennials’ Credit Access Not Hindered by Student Loan Debt, Study Shows The Best Markets For Residential Property Investors 2 days ago Previous: REO Cash Sales Share Hovers Near 60 Percent Next: Senators Introduce Bill Limiting Fed’s Lending Authority, Ending ‘Too Big to Fail’ Demand Propels Home Prices Upward 2 days ago About Author: Xhevrije West Credit Access Millennials Student Loan Debt 2015-05-13 Brian Honea Servicers Navigate the Post-Pandemic World 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Data Provider Black Knight to Acquire Top of Mind 2 days ago Demand Propels Home Prices Upward 2 days agocenter_img Sign up for DS News Daily Related Articles Share Save Home / Daily Dose / Millennials’ Credit Access Not Hindered by Student Loan Debt, Study Shows The Week Ahead: Nearing the Forbearance Exit 2 days ago A TransUnion study discovered that in spite of the rises in student loan balances for the past decade, younger consumers have not allowed loan obligations to hinder repayment of other credit-related items such as auto loans and mortgages when compared with peers with no student loans. These findings place a contradiction on the belief that student debt is preventing young adults from accessing credit.”Going to school impacts young consumers’ access to credit; while in school, students may be less likely to have a job and generate the income necessary for loan approval,” said Steve Chaouki, EVP and the head of TransUnion’s financial services business unit. “However, most catch up once they leave school-and their ability to catch up has not changed over the past decade.”The study noted that, compared to students without loans, consumers ages 18 to 29 that are repaying their student loans are usually able to get new loans. These students perform as well or better on those new loans. Student-loan consumers in their 20s are also more likely to surpass those without loans when taking out mortgage and auto loans and credit cards in three to six years.After students start to repay their student loans, they begin to have new mortgage obligations and higher new auto and credit card open rates than those with no student debt, TransUnion says.”Our study demonstrates that consumers in their 20s with student loans in repayment-that is, once they finish school-are in fact able to access credit at levels similar to or better than their peers who do not have student loans,” Chaouki said.The data in the study showed an increase in the amount of consumers ages 20 to 29 with student loans from 32 percent in 2005 to 52 percent at the end of 2014. Student loan balances have increased from $589 billion in Q1 2010 to $1.1 trillion in Q1 2015. The overall loan “wallet” for consumers ages 20 to 29 for student loans has also grown dramatically, increasing from 12.9 percent in 2005 to 36.8 percent in 2014, an increase of 186 percent in relation to other products such as mortgages, credit cards, and auto loans.The study also shows that both, consumers with student loans and without loans were affected by the changes in the economy and shifts in credit access. Consumers ages 18 to 29 with credit obligations like mortgages, credit card, and auto loans declined significantly between 2005 and 2012.”Participation rates for mortgages, credit cards and auto loans dropped significantly between the 2005-2007 and 2012-2014 timeframes-and impacted both consumers repaying student loans and those in the control group to a similar degree,” said Charlie Wise, co-author of the study and VP in TransUnion’s Innovative Solutions Group. “However, just as we observed in 2005, student loan borrowers in 2012 generally left school with lower loan participation rates than their control counterparts, likely due to difficulty in accessing credit while a student with little or no income.”To view the complete study visit: TransunionInsights.com  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago Xhevrije West is a talented writer and editor based in Dallas, Texas. She has worked for a number of publications including The Syracuse New Times, Dallas Flow Magazine, and Bellwethr Magazine. She completed her Bachelors at Alcorn State University and went on to complete her Masters at Syracuse University. Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Tagged with: Credit Access Millennials Student Loan Debt Subscribelast_img read more

Excellent cooperation between Aminess, Opatija Faculty of Management in Tourism and Hospitality and David Skoka

first_imgIt is a two-day professional training led by chef David Skoka for a new generation of professionals in tourism.During a two-day professional training at the Aminess Maestral Hotel in Novigrad, famous chef David Skoko revealed secrets to students of the Opatija Faculty of Management in Tourism and Hospitality and members of the Aminess gourmet team and shared useful tips for preparing top specialties. Chef Skoke’s visit is part of the lifelong learning program for specialists food and beverage department under the guidance of prof.dr.sc. Slobodan Ivanović from the Opatija Faculty of Management in Tourism and Hospitality “Tastes are part of the experience that each guest will take with them as a souvenir, so it is important that the preparation and presentation of food be at an enviable level. The primary goal of these lectures and practical advice is just that – to bring future F&B experts closer to what it really means to cook, present food, but also the importance of using food from local producers to make the offer even more special. The perfect specialty will always be the best ambassador of quality work of all food and beverage departments “, said David Skoko.This is a great example of cooperation between the famous and top chef Davide Skoke, an educational institution and the private sector. In addition to further educating its employees, Aminess also has an insight into future quality staff through cooperation with the educational institution.Also this is a real example of how the education system should be, precisely with a focus on school curricula that attach great importance to practical teaching, all for the purpose of better preparing the leading staff for the business challenges that follow.  “Such collaborations at Aminess are always well received, because the topic of education and practical work has been successfully nurtured for many years through an elaborate plan of professional education for skills development, workshops and cooperation with renowned chefs from various F&B areas. ” stand out from Aminess.There is only one key to success, and that is investing in quality education – prof.dr.sc. Slobodan Ivanovic”I am glad that for the second year we are continuing our cooperation with David Skok and Aminess on the education of the now eighth generation of food and beverage specialists. Such education nurtures the culture and presentation of gourmet products in the best way, as well as the business of each individual facility, which in its own way represents a destination. From F&B managers, waiters, bartenders to chefs, everyone has the opportunity to contribute to the success of the presentation of the destination through a quality presentation of eno-gastronomic product. There is only one key to success, and that is investing in quality education”, said Professor Slobodan Ivanovic.The entire professional training lasts one academic year, and is conducted through two modules – a module of gastronomy and a module dedicated to restaurant business. Upon completion of the program, participants acquire the necessary knowledge that can be applied in a wide range of jobs in tourism and hospitality. Aminess Wine & Gourmet Nights.Aminess is also collaborating with David Skok through an excellent project Aminess Wine & Gourmet Nights, where every last Friday of the month they organize special gourmet evenings in the sign of creative specialties, top wines and desserts.These are dinners that he has been organizing for the second year in a row Aminess to his two restaurants, and their goal is to promote Istrian gastronomy in the area of ​​Novigrad. This year, eight dinners were held, which were enjoyed by almost 600 visitors from all over the region.”It is a great pleasure for me to have the opportunity to present all the charms of Istrian cuisine to many guests and tourists through this project. Each dinner was special so I’m looking forward to the next edition. I will continue to use this unique opportunity to promote local foods and fish that we will continue to combine with top wines from Croatia”, said David Skoko.The next Aminess Wine & Gourmet Nights dinners are scheduled from March to October 2019 when guests will once again, every last Friday of the month, experience the best of the regional gourmet experience at Oliveto and Half 8 restaurants.Those who want development and who are proactive grow and develop. And such cooperation and investment in quality and quality tourist facilities are the only right direction for the development of our tourism. So simple, natural and logical. If the whole system had functioned like this 10 or more years ago, today we would not have a problem with a short tourist season, lack of staff and quality in all segments. A great and beautiful example of how things have to work out in our tourism.last_img read more

Six peahens found dead in Bijnor

first_imgSix peahens have died in a village in Bijnor. Four were found dead and four others were recovered in an unconscious state from a field in Shadipur village on Monday, district forest officials said.“Two more died on Tuesday during treatment,” M. Semmaran, Divisional Forest Officer, told The Hindu. He said two doves and a partridge were also found dead in the same field. Mr Semmaran, who is a veterinary doctor as well, said the cause of the deaths were not clear yet. Wild berriesHe said around 100 wild red berries were found stuffed in the digestive tract of peahens along with a few wheat grains. Mr. Semmaran didn’t rule out pesticides that farmers spray on crops for the deaths.last_img

San Diego gun owners take action to save Del Mar Gun Show

first_imgSan Diego gun owners take action to save Del Mar Gun Show Categories: Good Morning San Diego, Local San Diego News FacebookTwitter Updated: 1:51 PM Posted: May 22, 2018 Carlos Amezcua May 22, 2018 00:00 00:00 spaceplay / pause qunload | stop ffullscreenshift + ←→slower / faster ↑↓volume mmute ←→seek  . seek to previous 12… 6 seek to 10%, 20% … 60% XColor SettingsAaAaAaAaTextBackgroundOpacity SettingsTextOpaqueSemi-TransparentBackgroundSemi-TransparentOpaqueTransparentFont SettingsSize||TypeSerif MonospaceSerifSans Serif MonospaceSans SerifCasualCursiveSmallCapsResetSave SettingsTuesday, Carlos Amezcua interviewed Michael Schwartz, Executive Director of San Diego County Gun Owners, about the Crossroads of the West Gun Show and what they are doing to make sure it continues.Schwartz showed his stack of 3,000 letters that were collected at the gun show this past weekend, all voicing support for continuing the show.Schwartz says the key points made in the letters are:— Please renew the gun show contract with Crossroads of the West with no new restrictions or limitations.— The gun show is a safe and legal place for enthusiasts to attend and learn more about firearms, firearms safety and firearms training.— The gun show event is a great place for couples and families to spend time together learning more about an American sport and tradition. The educational and entertainment value is immeasurable.— Do not ban this resource for the public, which helps keep San Diegans law-abiding and safe.— Do not villainize my family and discriminate against us, it is nothing short of bigotry.— To blame me for crimes involving guns is insulting to hundreds of thousands of gun owners in Southern California. We resent the uninformed opponents to the gun show painting gun owners as dangerous. Carlos Amezcua, last_img read more

Education among main thrust areas of Bengal Mamata

first_imgKolkata: Chief Minister Mamata Banerjee stated on National Education Day that education is one of the thrust areas of the state government.In a tweet on Sunday, the Chief Minister stated: “Today is #NationalEducationDay. Education is one of the thrust areas of our govt in #Bangla.” She further stated in this connection: “In the last seven years, we have set up 23 new universities, 65 new colleges and many more are in the pipeline. My best wishes to all.” Also Read – Rain batters Kolkata, cripples normal lifeBanerjee also tweeted remembering Maulana Abul Kalam Azad on his birth anniversary. She stated in the tweet: “Remembering freedom fighter and well-known educationist Maulana Abul Kalam Azad on his birth anniversary. We have named the West Bengal University of Technology after him.” In the past seven years, the state government has taken a series of steps to improve the standard of education in the state. Starting from creating proper infrastructure across the state to bringing necessary changes in curriculum, several improvements have taken place in the past seven years. Also Read – Speeding Jaguar crashes into Mercedes car in Kolkata, 2 pedestrians killedIt may be mentioned that 22 universities, including 10 private and 12 state-run, had come up in the state in the first six years of the Mamata Banerjee government and later, one more has come up taking the total number to 23. The Green University in Hooghly and the Biswa Bangla University in Bolpur are the two major projects taken up by the state government. Setting up of Sister Nivedita University at New Town and that too in the year when her 150th birth anniversary is being celebrated, is another major move of the Mamata Banerjee government. Setting up of the 23 universities is creating opportunities for more students to go for higher studies and it is of great help for the youths as they do not need to travel long distances to carry on with higher studies. Besides higher studies, steps were taken to create better infrastructure for school level education as well. Stress was given so that children do not need to go too far for school. Under the project Sabuj Sathi, the Mamata Banerjee government has also distributed bicycles among students of classes IX, X, XI and XII. Most importantly, introduction of the Kanyashree Prakalpa has helped in bringing down the dropout rate in schools. The state government has also bagged the United Nations Public Service Award for Asia Pacific in Netherlands in 2017 for the project, thanks to which more than 50 lakh girls were benefitted.last_img read more