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Things Biden and the Democrats did, this week.
The Consumer Financial Protection Bureau put forward a new regulation to limit bank overdraft fees. The CFPB pointed out that the average overdraft fee is $35 even though majority of overdrafts are under $26 and paid back with-in 3 days. The new regulation will push overdraft fees down to as little as $3 and not more than $14, saving the American public collectively 3.5 billion dollars a year.
The Environmental Protection Agency put forward a regulation to fine oil and gas companies for emitting methane. Methane is the second most abundant greenhouse gas, after CO2 and is responsible for 30% of the rise of global temperatures. This represents the first time the federal government has taxed a greenhouse gas. The EPA believes this rule will help reduce methane emissions by 80%
The Energy Department has awarded $104 million in grants to support clean energy projects at federal buildings, including solar panels at the Pentagon. The federal government is the biggest consumer of energy in the nation. The project is part Biden's goal of reducing the federal government's greenhouse gas emissions by 65% by 2030. The Energy Department estimates it'll save taxpayers $29 million in the first year alone and will have the same impact on emissions as taking over 23,000 gas powered cars off the road.
The Education Department has cancelled 5 billion more dollars of student loan debt. This will effect 74,000 more borrowers, this brings the total number of people who've had their student loan debt forgiven under Biden through different programs to 3.7 Million
U.S. Agency for International Development has launched a program to combat lead exposure in developing countries like South Africa and India. Lead kills 1.6 million people every year, more than malaria and AIDS put together.
Congressional Democrats have reached a deal with their Republican counter parts to revive the expanded the Child Tax Credit. The bill will benefit 16 million children in its first year and is expected to lift 400,000 children out of poverty in its first year. The proposed deal also has a housing provision that could see 200,000 new affordable rental units
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yknow it is crazy to think about how much i have been able to improve my quality of life by selling art as a supplementary form of income. like obviously it's a second job and it's taxing but it's also so rewarding to know how much people enjoy my work and how much good it is doing me to like, feel like i can buy snacks at the store. to be able to get takeout every once in a while. like obviously those are extremely minor changes or things most people take for granted but to me it's huge. having berries in the house when they're out of season and more expensive. buying things for CONVENIENCE??! it feels so crazy to me to have such a sense of luxury which i know says more about the bleak feeling of poverty that's followed me around my entire adult life than anything else but i feel so much gratitude that i am afforded these small luxuries at least in part because of people that like my art. not to mention how nice is is to make things consistently again when, prior to 2020, i hadn't made art regularly in almost a decade. anyway. it's cool!
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Guys. If you are ever in the position to be selling a house--especially if your home is okay but meh--SPEND A COUPLE HUNDRED AND SLAP SOME NEW PAINT ON IT AND INSTALL SOME CHEAP HANDRAILS AND FOR THE LOVE OF EVERYTHING GOOD WITH GRAVY INSTALL THE DAMN SUMP PUMP!!!!
I have seen so many deals fall through because homeowners want to squeeze every last penny out of their home and spend no money. The thing is, to make money, you will probably have to spend a little, and here's why:
Some of the most common loans people get in the U.S. (FHA, USDA, VA) won't cover a home that has chipped paint or lacks hand railings or has an overly damp basement.
This means the pool of people who can buy your house has dramatically decreased. You are pretty much only gonna be able to sell to people who can pay cash for your house.
Now that might sound great, but if your house isn't spectacular that kind of person isn't going to buy it. The person who can afford to buy your house at $150,000 cash is going to go and get a loan and purchase a better house somewhere nicer with more property for $300,000.
You might be able to pull a landlord, who will want to rent your house out, and try to offer you $70,000 cash for a house you listed at $150,000.
So spend several hundred, or even a couple thousand and get your house fixed up so an appraiser will approve a loan, and you will
A. Sell it faster
B. Sell it for a higher price
Because if your house is on the market for too long (even if you've received offers) people start wondering what's wrong with it. And then you get less interest. So you drop the price. Then people REALLY start to wonder what was wrong with it. So you get LESS interest. And then you paint the house and install the hand-railings and the sump pump, but it's too late because people are all wondering why the house has been on the market for three months, and you end up selling what could easily have been a $150,000 house for (if you're lucky!) $120,000. And you still had to spend the money you didn't want to shell out in the beginning.
All because you didn't want to paint.
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Bajaj Housing Finance IPO opens on Monday: GMP jumps; shareholder quota, date, review, other details of upcoming IPO
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Vermont Sen. Bernie Sanders has now voiced his strong opposition toward Speaker of the House Kevin McCarthy and President Joe Biden's debt-ceiling deal.
On Saturday night, McCarthy and Biden announced they had finally reached an agreement on raising the debt ceiling until 2025 in legislation called the Fiscal Responsibility Act. The Congressional Budget Office estimated the legislation includes about $1.5 trillion in spending cuts through new work requirements for federal programs like SNAP. It also codifies the end of the student-loan payment pause and increases military spending.
Lawmakers on both sides of the aisle have criticized the bill due to the compromises Biden and McCarthy ended up having to make, with both Democrats and Republicans already saying they will vote against the legislation. Sanders is the latest to come out against the bill, explaining in a lengthy statement why he cannot "in good conscience" support to the legislation.
"The best thing to be said about the current deal on the debt ceiling is that it could have been much worse," Sanders said in the statement.
"Deficit reduction cannot just be about cutting programs that working families, the children, the sick, the elderly, and the poor depend upon. It must be about demanding that the billionaire class and profitable corporations pay their fair share of taxes, reining in out-of-control military spending, reducing the price of prescription drugs, and ending billions of dollars in corporate welfare that goes to the fossil fuel industry and other corporate interests," Sanders said.
"The fact of the matter is that this bill is totally unnecessary," he continued. "The President has the authority and the ability to eliminate the debt ceiling today by invoking the 14th Amendment. I look forward to the day when he exercises this authority and puts an end, once and for all, to the outrageous actions of the extreme right-wing to hold our entire economy hostage in order to get what they want."
Sanders mentioned the work requirements on SNAP and the elimination of the student-loan payment pause as primary reasons why he cannot support the bill, even with the US set to default on its debt as early as June 5. The House will be voting on the legislation on Wednesday evening, and it's unclear at this point if enough lawmakers are on board to pass it through the first chamber.
Still, Senate Majority Leader Chuck Schumer and Senate Minority Leader Mitch McConnell are urging their colleagues to pass the bill in the Senate.
"President Biden and Speaker McCarthy's agreement will protect the economy and eliminate the threat of a catastrophic default. I support this bipartisan agreement. Nobody's getting all they want—but it takes default off the table and protects key investments we've made," Schumer wrote on Twitter on Tuesday.
McConnell also wrote that McCarthy "and House Republicans secured a crucial first step toward bringing Washington Democrats' reckless spending to heel. Their unity forced President Biden to do his job. And soon, it will be the Senate's turn to pass this important agreement."
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