Sun National Bank Center Tue, 22 Nov 2022 15:07:45 +0000 en-US hourly 1 Sun National Bank Center 32 32 Five-year average fixed mortgage rate below 6% for the first time in seven weeks Tue, 22 Nov 2022 15:07:45 +0000

The average five-year fixed mortgage rate fell below 6% for the first time in seven weeks, according to an analysis.

Mortgage lenders are offering 5.95% on average for a five-year fixed rate deal, has found.

The average two-year fixed rate mortgage remains above 6% at 6.13%.

Mortgage rates soared amid market turmoil after the mini-budget in September.

As of October 20, the average five-year contract was 6.51% and a two-year product was 6.65%.

Rachel Springall, finance expert at, said: “Borrowers who have put their home ownership plans on hold, or who have in fact given up on the idea of ​​refinancing, may now be tempted to review the latest offers.

“After the budget announcement (September 23), average two- and five-year fixed mortgage rates rose sharply, but they are moving further away from their daily peak (October 20).

“However, it should be noted that rates could fall further, but there is no clear answer as to how quickly this may be.”

Hikes in the Bank of England’s base rate pushed up borrowing costs.

Ms Springall added: “Borrowers may feel they have to wait a bit longer before committing to a new fixed rate mortgage, or even wait until next year to see how the market recovers from the downturn. recent interest rate uncertainty.”

The Nationwide Building Society has announced rate cuts for some of the mortgages it offers. The cuts, up to 0.3 percentage points, will be made tomorrow.

The Company said the new rates will include a two-tears trailing rate for people with a 15% deposit, reduced by 0.3 percentage points to 3.94%, with a fee of £999.

They also include a five-year fixed rate remortgage deal for those with a 40 per cent down payment, reduced by 0.26 percentage points to 4.93 per cent, with a fee of £999.

Henry Jordan, Director of Mortgages at the Nationwide Building Society, said: “The continued stability of the market and the downward trend in swap rates has allowed us to further reduce rates on a large number of products in our range of Mortgages.

FHA will accept private flood insurance Mon, 21 Nov 2022 21:55:00 +0000

More than two years and a change of administration later, the Federal Housing Administration has finally issued a rule stating that it will insure mortgages that use private flood insurance.

The rule goes into effect Dec. 21, but not all private flood insurance policies offered on the market will be eligible for inclusion in FHA loans, the agency warned.

Until now, FHA only insured mortgages on properties in special flood zones that were covered by the government’s National Flood Insurance Program.

The Biggert-Waters Insurance Reform Act passed in 2012 required government-sponsored businesses and federal agencies to accept private flood insurance policies. But the letter from the mortgagee announcing the rule change said Biggert-Waters did not apply to FHA.

On November 10, 2020, then-Federal Housing Commissioner Dana Wade, a Presidential appointee. Asset, propose a rule for private flood insurance, which this letter from the mortgagee turns into a final rule.

With the new rule, the FHA will require lenders to provide detailed flood insurance coverage information when submitting mortgages electronically for its insurance policies on properties in special flood zones ( SFHA), locations mapped as flood prone areas.

Obtaining this data is an objective included in the Climate Plan of the Department of Housing and Urban Planning. FHA will be able to capture and analyze flood insurance information at a more granular level than before.

“We know borrowers are facing affordability issues right now, but a flood can be devastating to a family that isn’t properly insured,” Federal Housing Commissioner Julia Gordon said in a news release. . “Choosing to choose a private flood insurance option may allow some borrowers to obtain policies that are less expensive or provide improved coverage.”

FHA is exposed to $4.5 billion in potential flood damage beginning in 2020, loans that do not have adequate coverage, an audit by the HUD Inspector General’s Office determined. A private alternative is likely to increase the share of borrowers living in SHFAs who obtain and maintain flood insurance.

Housing trade groups applauded the announcement.

“While the final rule is a win for FHA borrowers, there are concerns that the lack of full alignment with federal flood insurance requirements could lead to some flood policies being rejected on loans. from the FHA that are acceptable for other federally guaranteed loans,” Mortgage Bankers Association President and CEO Bob Broeksmit said in a statement. “MBA will continue to work with HUD on improving housing policies and regulations that benefit borrowers while maintaining the safety and strength of the FHA program.”

Since borrowers with flood insurance are less likely to default, this change will help further protect the Mortgage Insurance Mutual Fund, Broeksmit said. The fund is currently in very good health, with a capital ratio of 11.11%, the FHA has just announced.

“The new rule is a victory for consumers, for choice and for flood coverage that will protect more borrowers and property from the number one natural disaster in the United States,” said Kenny Parcell, president of the National Association of Realtors. statement. “The NAR has long advocated for an updated rule to address an inequity with conventional borrowers, and this action will increase the flood insurance choices available to FHA borrowers.”

Last year was the second-best year of the past five for private flood insurance in terms of net written premiums, at $506.8 million, surpassed only by 2019’s $522.6 million, according to the Insurance Information Institute.

By comparison, the NFIP recorded $3.5 trillion in premium income in federal fiscal year 2021, according to the Federal Emergency Management Agency’s website.

An investment for the future: How to pay for freezing eggs | Economic news Fri, 18 Nov 2022 19:02:05 +0000

As Geri Diaz neared her 34th birthday, she knew she wanted to take a few more steps in her career before becoming a mom. She had been thinking about freezing eggs for over a year.

“I wasn’t in a relationship, so I wanted to get rid of the pressure of having kids,” says Diaz, a senior education consultant in New York. Prompted by friends who had their eggs frozen, she decided to research fertility preservation clinics.

In 2022, Diaz found a clinic with a high success rate for healthy births from frozen eggs. The clinic also funded the egg freezing procedure, an important consideration for Diaz that helped her decide to move forward.

Diaz is one of a growing number of millennials choosing to freeze their eggs. According to the Society for Assisted Reproductive Technology, nearly 16,000 egg freezing cycles were performed in 2019 — an increase of nearly 90% since 2016 — and experts predict that number will continue to rise. But freezing eggs is expensive, and the process can be daunting.

Here’s what to know about the egg freezing procedure, what it costs and how to pay for it.

Demystifying the Egg Freezing Process

Egg cryopreservation, or egg freezing, is a method of preserving fertility at a time when eggs may be healthier. It can help those who wish to delay pregnancy for personal reasons as well as those undergoing medical treatments that reduce fertility in the future.

The process involves drugs that stimulate the ovaries for egg development over a 10-14 day cycle. This stage may require several clinic visits to ensure that egg follicle growth is on track.

Once the eggs have developed, the healthy eggs are removed from the ovaries and immediately frozen and stored. According to the Texas Fertility Center, most women freeze their eggs for five to ten years.

Freezing eggs does not guarantee that all eggs will be healthy enough to develop into an embryo. Patients may need to go through the process more than once, and success rates decrease as they get older. A greater number of eggs retrieved can increase the chances of a successful healthy live birth.

Alexa Silva, a 34-year-old lease administration manager in Dallas, recently began her egg-freezing journey. “If I never get married, I don’t want that to stop me from having children because I want to be a mother so I’m investing in my future right now. That’s exciting.”

How much does egg freezing cost?

The total cost for a single cycle of egg freezing varies by fertility clinic and patient needs, but generally ranges from $15,000 to $20,000. This includes egg retrieval, pre- and post-procedure consultations, medications, and storage for five years. The possible costs of thawing and fertilizing the eggs are separate.

Many fertility clinics offer financing plans to help pay for the egg retrieval procedure. Plans don’t always cover the initial consultation, annual storage fees, and medications.

Medication is often the second largest expense after the cost of the procedure, ranging from $2,000 to $6,000. This includes fertility drugs and antibiotics after egg retrieval. Diaz says she paid about $4,400 for medication over the course of a month — costs that weren’t included in her financing plan.

Besides the financial cost, many patients experience a physical toll.

“I didn’t know what it would cost me,” Diaz says. “It’s almost as if for the whole month of September, I was just out of commission. You’re basically going to be housebound.

Diaz is now on the other side of the egg retrieval process and feels relieved.

“There’s this huge pressure to perform in my thirties, and I don’t feel the pressure to put my career on hold anymore. I think mentally and physically and even career-wise, I feel much, much better right now. .”

Financing options for egg freezing

Here are the common options to consider for financing an egg freezing procedure.

Insurance cover

According to Mercer Health, an international health and benefits consulting firm, employers are increasingly offering health plans that cover fertility treatments, including egg freezing. Silva’s employer recently added coverage for egg freezing without the need for a specific diagnosis. This contributed to Silva’s decision to go ahead with the procedure this year.

Funding of the clinic

Many fertility clinics partner with finance companies that offer payment plans to clients. These plans typically have fixed monthly payments paid over one to five years, sometimes without interest. Future Family, a fertility finance provider that works with fertility clinics, offers loans for egg freezing procedures.

“I think it’s important to review all financing issues to make sure you’re being charged for the right things and understand the terms of the agreement,” Diaz says.

Personal loans

Some clinics work directly with personal lenders who can fund the procedure. San Francisco-based NYU Langone Fertility Center and Pacific Fertility Center both partner with online lender LendingClub to provide fertility loans to patients.

Personal loans are generally unsecured, with rates from 6% to 36%, depending on the borrower’s credit and income. They are available at some banks and credit unions, in addition to online lenders. Repayments are monthly, usually over two to seven years. Online personal lenders like SoFi, Discover, and Prosper offer personal loans that can be used for fertility treatments.


Individual savings can be an interest-free way to pay for egg freezing costs. Silva used money she had saved for years for her deductible and non-insurance costs, such as medication. If she could have gone back in time, she says she would have started saving earlier.

“I think you should look into it sooner rather than later and at least start making a plan or thinking about it,” she says. “That would be my advice to young women in the professional world.”

Approach costs as an investment

Freezing eggs is no guarantee. Success rates vary from clinic to clinic and not all eggs lead to pregnancy. The high cost can also be a barrier for many people.

Diaz and Silva view egg freezing as an investment in their present, as well as their family goals. Silva highlighted the mental and emotional relief she felt after freezing her eggs.

“I’m in a relationship and it’s going well, but I don’t want to have this pressure of deadlines. It’s just good peace of mind and it also takes the pressure off relationships so they can grow as they grow.

Why My Friends Who Own A $1 Million Home Got Into Debt For A $5,000 HVAC Repair Fri, 18 Nov 2022 19:00:08 +0000

Image source: Getty Images

Let’s just say they made a big mistake buying their house.

Key points

  • Taking on too much of a mortgage can lead to a cash-strapped lifestyle.
  • It could also lead to debt when unexpected expenses arise.

When mortgage rates started plunging to record lows in the second half of 2020, two friends of mine who had gotten married a few years earlier decided to take the plunge into home ownership. They had saved up for a house and had decent incomes, so they figured they would take advantage of those low rates and increase their home buying budget.

Initially, they figured they would buy a house for $800,000 or less. (In some context, we all live in New Jersey, and while an $800,000 property is certainly a nice property, it’s not necessarily a mansion.) But the more they looked, the more they realized that s stretched their budget a little more, they could have a really amazing house instead.

So that’s what they did. They ended up buying a million dollar house and betting 20% ​​at closing, which left them with a giant mortgage. And while they were happy with this decision at first, they are now at the point where they regret it.

A big mistake

My friends knew before buying their house that they were going to spend a large part of their income on housing. But they were okay with it. They believed that if they had a comfortable home, they would cook more in their large kitchen and spend more time in their park-like garden rather than taking trips or going out to eat.

This plan worked for a while, and to be fair, they reduced their leisure spending. But they also started spending a lot more not just on their mortgage payments, but also on maintenance and repairs.

In fact, the cost of owning their home has become so huge that they have practically exhausted their savings. And that left them in a very tough spot earlier this year when their HVAC system failed.

More: Our picks for the best FHA mortgage lenders

Home poor, and now in debt

My friends who own a $1 million house (actually more like $1.1 million at this point based on market value) now have a credit card balance of $5,000 which they are paying off over time. The reason? They used up most of their savings for the down payment on that house and pretty much wiped out the rest during maintenance and repairs in their first two years. And so when they had a recent HVAC issue, they had to charge for it and pay it back over time.

My friends recognize that their situation is problematic, because they are the exact definition of being housing poor. But they also feel stuck.

Of course, they could sell their house and move to a less expensive house. But then they will lose money in realtor fees and closing costs on a new mortgage. Also, mortgage rates are very high right now, so even if they are currently paying less than 3% on their home loan, if they sign a new mortgage, they could end up paying over 7%.

For now, my friends plan to stay put but cut spending even more, and they’re both looking to take on second jobs to pay off their debt as quickly as possible and increase their cash reserves. But either way, they’ve learned the hard way that taking too much home can have consequences. And they agreed to let me share their story so other shoppers could learn from their mistake and avoid doing the same thing.

Auto CarMax 2022 financing: review, prices, comparisons Thu, 17 Nov 2022 19:55:06 +0000

Insider experts choose the best products and services to help you make informed decisions with your money (here’s how). In some cases, we receive a commission from our our partners, however, our opinions are our own. Terms apply to offers listed on this page.


Late fees and variable delivery charges

Regular Annual Percentage Rate (APR)

from 4.00%

CarMax car loan CarMax


Late fees and variable delivery charges

Regular Annual Percentage Rate (APR)

from 4.00%

Regular Annual Percentage Rate (APR)

from 4.00%


Late fees and variable delivery charges

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Chevron icon It indicates an expandable section or menu, or sometimes previous/next navigation options.

Advantages and disadvantages of CarMax auto loans

Insider Featured Auto Loans

  • Automatic loan

  • Automatic refinancing

Chevron icon It indicates an expandable section or menu, or sometimes previous/next navigation options.

Chevron icon It indicates an expandable section or menu, or sometimes previous/next navigation options.

CarMax is ideal for borrowers who want to complete the car buying process from the comfort of their own home. The company makes it easy for you to choose a car online, finance it, and have it delivered to you.

However, if you don’t want a used car, CarMax isn’t the right choice for you – it doesn’t offer new cars, refinance, or lease buyouts. Additionally, borrowers in nine states will not be able to get a loan from CarMax.

Comparison of car loans CarMax

How CarMax Compares

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Editor’s note


A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

Regular Annual Percentage Rate (APR)

from 4.00%

Editor’s note


A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

Regular Annual Percentage Rate (APR)

3.90% to 27.90% APR

Editor’s note


A five pointed star

A five pointed star

A five pointed star

A five pointed star

A five pointed star

Regular Annual Percentage Rate (APR)

Starts at 3.50% APR

Hunt has an undisclosed minimum credit score to apply, while carvana and CarMax do not have a set minimum score that they consider. It may still be worth applying with Carvana and CarMax even if your score is not high.

You can’t buy out your lease or refinance with Chase, and you can only get a used car with Carvana and CarMax.

See our auto loan scoring methodology »

Frequently Asked Questions

CarMax has a A+ rating from the Better Business Bureau, a non-profit organization focused on consumer protection and trust. The BBB rates companies by looking at their responses to consumer complaints, honesty in advertising and transparency in business practices.

CarMax has not been involved in any recent controversies. You can feel comfortable getting a car from CarMax between its excellent BBB rating and its clean history.

It may be easier to get a loan from CarMax than another lender because it is accessible to borrowers with bad credit. That said, you are more likely to qualify for financing if you have a higher credit score.

CarMax offers financing through several different avenues, including CarMax Auto Finance, its captive lender (also known as an in-house lender). The company also partners with certain third-party lenders, including Ally, Huntand Wells Fargo.

Cyber ​​Insurance Market Poised to Achieve Continued Growth During Forecast Period 2022-2028 – The C-Drone Review Thu, 17 Nov 2022 04:57:53 +0000
New Jersey, United States – The Global cyber insurance market The analysis offers associated intensive analysis of the market throughout the projection quantity. The study includes more types of sections like an associated review of events and items that are believed to have significant long-term impact. This study offers a comprehensive analysis of the global cyber insurance market. The market projections unit of the report relies on substantial secondary analysis, primary interviews, and qualified internal assessments. These market projections have been created by analyzing the outcomes of various social, political, and financial variables in the global Cyber ​​Insurance market, further owing to prevailing market dynamics.

The chapter collectively includes Porter’s 5 Forces analysis which explains five forces inside the global Cyber ​​Insurance Market, in conjunction with buyer and supplier conversation power, latest entrants danger, substitutes and jointly the scope of competition. among the competitors. The market outline collectively includes market dynamics. The competitive framework of the global cyber insurance market is another topic covered in the report.

Get Free Sample PDF Copy of Global Cyber ​​Insurance Market Report @:

Cyber ​​Insurance Market, By Product:

  • Autonomous cyber insurance market
  • Packaged Cyber ​​Insurance Market

Cyber ​​Insurance Market, By Applications:

What do we provide in Global Cyber ​​Insurance Market Research Report?

Base Year of Cyber ​​Insurance Market Report 2022 – 2028
Reference year considered 2021
Market Growth of Cyber ​​Insurance Market Report Revenue in USD Million From 2021 to 2028 & CAGR From 2022 to 2028
Regional Scope of Cyber ​​Insurance Market Report North America, Europe, Asia, Ocean & ROW
National Scope of Cyber ​​Insurance Market Report USA, UK, Australia, India, China, Japan, Italy, France, Brazil, South Korea, ROW
Cyber ​​Insurance Market Report Coverage Market share, value, demand, insight, competition.

Get Discount on Buying this Report @


  • The study on the global cyber insurance market offers a comprehensive overview of the current market and forecasts by 2022-2028 to help identify emerging business opportunities to capitalize on.
  • The global cyber insurance market report provides an in-depth examination of industry dynamics in the cyber insurance market, including existing and potential developments to represent pockets of consumer investment.
  • The report provides details about major drivers, restraints and opportunities and their effect on the Cyber ​​Insurance market report.
  • Strategic analysis of industry players and position of the industry in the global cyber insurance market;
  • The Cyber ​​Insurance Market report expands SWOT analysis and Porters Five Forces model.
  • Examination of the Cyber ​​Insurance Market study value chain gives a good view of the positions of the stakeholders.

Quantitative Data of Cyber ​​Insurance Market:

  • Cyber ​​Insurance Market Data Breakdown by Major Region and Application/End User
  • By growth rate for applications and product types: –


  • Global Cyber ​​Insurance Market Benefits by Industry and Growth Rate (Historical and Forecast)
  • Global Cyber ​​Insurance Market Size and Growth Rate, Application and Type (Past and Projected)
  • Global Cyber ​​Insurance Market Revenue, Volume and Growth Rate Year-on-Year (Base Year)

Qualitative Data: Includes factors affecting or influencing Cyber ​​Insurance market dynamics and growth. To list certain names in related sections

  • Cyber ​​Insurance Market Industry Overview
  • Growth engine of the global cyber insurance market
  • Global Cyber ​​Insurance Market Trends
  • Incarceration of the cyber insurance market
  • Global Cyber ​​Insurance Market Opportunity
  • Cyber ​​insurance market entropy** [specially designed to emphasize market aggressiveness]
  • Cyber ​​Insurance Market Fungal Analysis
  • Porter Five Army Model Cyber ​​Insurance Market Industry

Research methodology :

Primary Research on Cyber ​​Insurance Market:

We interviewed various key sources of supply and demand during the primary research to obtain qualitative and quantitative insights related to the Cyber ​​Insurance market report. Key sources of supply include key industry members, subject matter experts from key companies, and consultants from many leading companies and organizations working in the global cyber insurance market.

Secondary Research on Cyber ​​Insurance Market:

Secondary research on the Cyber ​​Insurance Market has been carried out to obtain crucial insights into the enterprise supply chain, enterprise monetary system, global enterprise pools, and industry segmentation, with the point the lowest, the regional area and technology-oriented outlook. Secondary data has been collected and analyzed to reach the total cyber insurance market size which the first survey confirmed.

Personalization available for the following Cyber ​​Insurance market regions and countries: North America, South & Central America, Middle East & Africa, Europe, Asia Pacific

The research provides answers to the following key questions:

1) Who are the major key players in the Global Cyber ​​Insurance Market report?

Here is the list of players:


  • Insurance AXIS
  • Chubb
  • Beazley
  • Allianz
  • XL
  • Berkshire Hathaway
  • Zurich Insurance
  • AON
  • Munich Re
  • Lockton
  • BCS Insurance
  • Travelers
  • Liberty Mutual
  • ANC.

    Note: Regional split and purchase by section available. We provide pie charts. Best custom reports as per requirements.

    2) What are the major key regions covered in the Cyber ​​Insurance market report?

    Geographically, this Cyber ​​Insurance market report is segmented into several major Regions, consumption, revenue (Million USD), and global Cyber ​​Insurance market share and growth rate in these regions, from 2021 to 2028 ( planned), covering North America, Europe, Asia-Pacific, etc.

    3) What is the predicted market size and market growth rate over the period 2022-2028 of the Global Cyber ​​Insurance Market industry?

    ** Values ​​marked with an XX are confidential data. To learn more about CAGR figures, fill in your details, then contact our Business Development Manager @

    4) Can I include additional segmentation/cyber insurance market segmentation?

    Yes. Additional granularity/segmentation of the Cyber ​​Insurance Market may be included based on data availability and difficulty of investigation. However, you should study and share the detailed requirements before final confirmation to the client.

    5) What is the impact of COVID 19 on the Global Cyber ​​Insurance Market industry?

    Before COVID 19, the Global Cyber ​​Insurance Market size was USD XXX Million and after COVID 19, it is expected to grow at X% and USD XXX Million.

    The TOC of Global Cyber ​​Insurance Market Research Report is:

    Chapter 1: Global Market Review Global Cyber ​​Insurance Market (2015-2028)

    • Cyber ​​insurance market definition
    • Description of the cyber insurance market
    • Ranked in Cyber ​​Insurance Market
    • Cyber ​​Insurance Market Applications
    • Cyber ​​Insurance Market Facts

    Chapter 2: Market Competition by Players/Suppliers 2015 and 2021

    • Cyber ​​Insurance Market Manufacturing Cost Structure
    • Cyber ​​Insurance Market Raw Materials and Suppliers
    • Cyber ​​Insurance Market Manufacturing Process
    • Industry Chain Structure of Cyber ​​Insurance Market

    Chapter 3: Sales (Volume) and Revenue (Value) by Region (2015-2021)

    • Cyber ​​insurance market sales
    • Cyber ​​Insurance Market Revenue and Market Share

    Chapter 4, 5 and 6: Global Cyber ​​Insurance Market by Type, Application and Profiles of Players/Suppliers (2015-2022)


    Find more cyber insurance market industry research reports. By Market Research Intelligence.

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  • ]]>
    BJ’s Wholesale Club Announces Opening Date for New Location in Wayne, New Jersey Wed, 16 Nov 2022 20:00:00 +0000

    MARLBOROUGH, Mass. & WAYNE, NJ–(BUSINESS WIRE)–BJ’s Wholesale Club (NYSE: BJ), a leading operator of membership warehouse clubs in the Eastern United States, today announced that its new club in Wayne, New Jersey, located in 300 Willowbrook Mall, will open on Friday, November 18, 2022. The retailer will now have a total of 234 US clubs.

    The new club will have an on-site BJ’s Gas location and offer members everyday low fuel prices, with the opportunity for additional savings through BJ’s Fuel Saver program. Wayne BJ’s gas station, conveniently located off Route 46, will open in December and will offer regular, premium and diesel fuels.

    We couldn’t be happier to open our doors and start welcoming members to our brand new club,” said Frank Griscavage, Club Manager of Wayne’s BJ’s Wholesale Club. “We are excited to bring the value and convenience of BJ’s Wholesale Club to the Wayne community.

    At BJ’s, members can choose from a variety of convenient shopping options such as Club Shop, Curbside Pickup, Club Pickup, Same Day Delivery and Standard Delivery on When shopping in the club, members will have access to ExpressPay through the BJ’s mobile app, a service that allows shoppers to scan products as they go and skip the checkout line at the end of their travel. BJ’s helps members save time and money by offering incredible savings and unbeatable value on everything they need in one convenient one-stop-shop, including a huge selection of fresh foods, produce, groceries full service, household essentials, pet supplies, various exclusive product offers and much more. The club will also delight shoppers with the scavenger hunt experience BJ members know and love with an assortment of seasonal items, home decor, family fashion, toys, tech and accessories. a selection of local products.

    BJ’s is offering a limited-time founding member offer for local shoppers interested in joining the club through Thursday, November 17, 2022. Shoppers can sign up for a one-year BJ’s Inner Circle membership for just $25.* instead of the regular $55 membership fee. Plus, shoppers can sign up for a one-year subscription to BJ’s Perks Rewards with BJ’s Easy Renewal for just $65.* instead of the regular $110 membership fee. BJ’s Perks Rewards members earn 2% cash back on most BJ purchases**.

    Local shoppers interested in learning more about BJ’s Wholesale Club and enrolling can visit or enroll in person at the Membership Center located at 300 Willowbrook Mall.

    The BJ’s Charitable Foundation is proud to support the local community through monetary and food donations. This year, BJ’s contributed to the Boys and Girls Club of Northwestern New Jersey to support the Wayne branch to help with youth programs.

    The Boys & Girls Club of Wayne is thrilled to welcome BJ’s Wholesale Club as a partner in our organization,” said Gina Radice, Director of Resource Development and Marketing. “We rely on the support of our neighbors, like BJ’s, to provide opportunities for our young people to grow, learn and lead healthy lives. We would like to thank BJ’s Wholesale Club for their contributions and look forward to the new club opening its doors to our community.

    Through a food rescue partnership, BJ’s Wholesale Club also donates unsold perishables to Feeding America member food banks in its footprint, helping to put healthy food on the plates of families. In Wayne, BJ’s food bank partner is the Community FoodBank of New Jersey. To date, BJ’s has donated more than 120 million pounds of food, including meat, produce, dairy and baked goods, to Feeding America member food banks.

    BJ members can always expect:

    • Unbeatable Savings: Members can save up to 25% off everyday grocery prices on everything they need for their weekly purchases.
    • Without risk: Buyers can try BJ’s risk-free thanks to the company’s 100% money-back guarantee membership.
    • Save even more: BJ’s is the only warehouse club that accepts manufacturer coupons. Additionally, members can accumulate savings by using BJ’s coupons in addition to manufacturers’ coupons.
    • Choose how you shop: Members can shop online at and choose free curbside pickup or have it delivered with Same Day Grocery Delivery*** or home delivery.

    All BJ memberships are subject to BJ’s current membership terms, ask the club or go to

    *Offer valid at Wayne BJ’s Membership Center and online at only, not combinable with other offers, non-redeemable for cash, non-transferable, and only valid for new members. Sales tax will be added where applicable. The offer is conditional on your joining BJ’s Easy Renewal®, and you authorize BJ’s to charge the debit/credit card first used at BJ’s after accepting this offer, an annual recurring fee equal to the amount of the membership fee then in effect for all active subscriptions. on your account, plus taxes if applicable, on the first day of the month your subscription expires.

    Expires: 11/17/22.

    **BJ’s Perks Rewards members earn 2% cash back on most BJ purchases. Rewards are issued in $10 increments, are redeemed at BJ’s cash register and expire six months from date of issue. Cash back may be requested in the form of a check prior to reward expiration by contacting BJ Member Services at 800-BJS-CLUB. The My BJ’s Perks® program is provided by BJ’s Wholesale Club, Inc.; its terms may change from time to time. Some exclusions may apply. Visit for program terms.

    ***BJ’s same day grocery delivery is not available to all zip codes. Log in to your account to confirm availability.

    About BJ’s Wholesale Club Holdings, Inc.

    Based in Marlborough, Massachusetts, BJ’s Wholesale Club Holdings, Inc. (NYSE: BJ) is a leading member warehouse club operator in the Eastern United States, focused on creating significant value for his members. The company provides a curated assortment of groceries, general merchandise, gasoline and other ancillary services to deliver a differentiated shopping experience that is further enhanced by its omnichannel capabilities. Since pioneering the warehouse club model in New England in 1984, the company currently operates 233 clubs and 163 BJ’s Gas® locations in 18 states. For more information, visit us at or on Facebook, Twitteror Instagram.

    About Boys and Girls Clubs of America

    For more than 100 years, Boys & Girls Clubs of America ( has empowered young people in greatest need to achieve a great future as productive, caring, and responsible citizens. Today, more than 4,100 clubs serve nearly 4 million young people each year through club membership and community outreach. Clubs are located in cities, towns, public housing and on Indigenous lands across the country, and serve military families at BGCA-affiliated youth centers on U.S. military installations around the world. They provide a safe place, caring adult mentors, fun, friendship, and high-impact youth development programs on a daily basis during critical non-school hours. Priority programs emphasize academic achievement, good character and citizenship, and healthy lifestyles. In a Harris survey of alumni, 57% said the club had saved their lives. The national headquarters is located in Atlanta.

    Learn more at and

    About the Community Food Bank of New Jersey

    Community FoodBank of New Jersey (CFBNJ), a member of Feeding America®, has been providing food, relief and hope across the state for more than 45 years. Last year, CFBNJ provided nutritious food for more than 85 million meals through its network of more than 800 community partners, including food pantries, soup kitchens, emergency shelters, food pantries mobile and feeding programs for children and seniors in the 15 New Jersey counties it serves. For our hungry neighbors, the Community FoodBank of New Jersey is the powerful agent of change that fills the void caused by hunger and provides essential resources to sustainably earn a living.

    How much energy does a solar panel produce? Wed, 16 Nov 2022 00:06:53 +0000

    How much energy does a solar panel produce?

    How much energy can a solar panel produce? The amount of energy produced by a solar panel per day, also called “wattage” and measured in kilowatt-hours, depends on many factors, such as the hours of peak sunlight and the efficiency of the panel. Most solar panels for homes generate around 250 to 400 watts, but for larger homes they can produce up to 750 to 850 per kilowatt hour per year.

    Solar panel manufacturers determine solar power output for products based on zero obstruction. But in reality, the amount of solar energy produced by a panel varies depending on the power output of the panel and the number of hours of peak sunlight where a home’s solar power system is located. Use the manufacturer’s information as a starting point for a calculation for your home.

    How to Calculate How Many Watts a Solar Panel Produces

    How many watts does a solar panel produce? “Watts” refers to the amount of power output expected from a panel under perfect sunlight, temperature, and other conditions. You can calculate the output of a solar panel by multiplying the power output of the solar panel by your local peak hours of sunshine per day:

    Kilowatt Hours (kWh) = (Hours of Sunshine x Watts)/1000

    In other words, let’s say you get 6 hours of direct sunlight every day. Multiply that by a manufacturer’s panel wattage, say 300 watts.

    Kilowatt hours (kWh) = (6 hours x 300 watts)/1000

    In this case, the number of kilowatt hours produced would be 1.8 kWh. Next, calculate the following for the number of kWh per year using the following formula:

    (1.8 kWh/day) x (365 days/year) = 657 kWh per year

    In this case, the solar panel output of this particular panel would generate 657 kWh per year in power output.

    Rochester man admits armed robbery in Austin Tue, 15 Nov 2022 01:25:55 +0000

    Austin, Minnesota (News KROC-AM) – A Rochester man accused of robbing two Rochester convenience stores earlier this year has pleaded guilty to three Austin robbery cases.

    Adrick Mims, 26, today acknowledged three counts of theft while in possession of a dangerous weapon. In exchange, Mower County prosecutors agreed to drop four counts of second-degree assault and one charge of fleeing from police.

    Mims was arrested in late June after robbing a convenience store in Austin and led Austin police on a high-speed chase through Lyle, where he fled on foot and was later found hiding in some bushes. A shelter-in-place alert has been issued for the small community south of Austin as police search for Mims.

    He was also charged with armed robbery at an Austin convenience store on June 12 and robbery at a liquor store on June 19. He is currently expected to be sentenced in March.

    Mims is also due to appear in Olmsted County Court later this month on charges stemming from the Rochester robberies. He is accused of robbing Casey’s General Store in the 1900 block of Northwest 7th Street by threatening an employee with a knife on June 5. Mims is also charged with the June 16 robbery of the Shell Gas N Go on East River Road Northeast, during which he allegedly wielded a box cutter. He faces charges of first-degree robbery and second-degree assault in each of the Rochester cases.

    WATCH: States with the most new small businesses per capita

    Student loan refinance interest rates increase slightly for 5- and 10-year loans Mon, 14 Nov 2022 19:12:33 +0000

    Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

    The latest student loan refinance interest rate trends on the Credible Marketplace, updated weekly. (iStock)

    Pricing for Qualified Borrowers using the Credible Marketplace for refinance student loans increased this week for both 10-year fixed-rate loans and 5-year variable-rate loans.

    For borrowers with credit scores of 720 or higher who used the Credible Marketplace to select a lender during the week of November 7, 2022:

    • Rates on 10-year fixed-rate refinance loans averaged 6.07%, down from 5.71% the week before and 3.42% a year ago. Rates for this term hit their lowest point in 2022 so far during the week of January 10, when they were at 3.44%.
    • Rates on 5-year variable rate refinance loans averaged 3.16%, down from 2.95% the previous week and 2.61% a year ago. Rates for this term hit their lowest point in 2022 so far during the week of July 4, when they were at 2.51%.

    Weekly Trends in Student Loan Refinance Rates

    If you’re curious about what kind of student loan refinance rates you might qualify for, you can use an online tool like Credible to compare the options of different private lenders. Checking your rates will not affect your credit score.

    Current Student Loan Refinance Rates by FICO Score

    To ease the economic impacts of the COVID-19 pandemic, interest and payments on federal student loans have been suspended until at least December 31, 2022. As long as this relief is in place, there is little incentive to refinance federal student loans. But many borrowers with private student loans are taking advantage of low interest rates to refinance their student debt at lower rates.

    If you qualify to refinance your student loans, the interest rate you may be offered may depend on factors such as your FICO score, the type of loan you are seeking (fixed or variable rate), and the repayment term. of the loan.

    The chart above shows that good credit can help you get a lower rate, and rates tend to be higher on loans with fixed interest rates and longer repayment terms. Since each lender has their own method of evaluating borrowers, it’s a good idea to ask for rates from multiple lenders so you can compare your options. A student loan refinance calculator can help you estimate how much you could save.

    If you want refinance with bad credit, you may need to apply with a co-signer. Or, you can work on improving your credit before applying. Many lenders will allow children to refinance parent PLUS loans in their own name after graduation.

    You can use Credible to compare rates from several private lenders at once without affecting your credit score.

    How Student Loan Refinance Rates Are Determined

    The rates charged by private lenders to refinance student loans depend partly on the economic environment and interest rates, but also on the duration of the loan, the type of loan (fixed or variable rate), creditworthiness the borrower and the lender’s operating costs and profit margin. .

    About Credible

    Credible is a multi-lender marketplace that allows consumers to discover the financial products best suited to their particular situation. Credible’s integrations with major lenders and credit bureaus allow consumers to quickly compare accurate and personalized loan options without putting their personal information at risk or affecting their credit score. The Credible Marketplace delivers an unparalleled customer experience, as evidenced by over Over 5,000 positive reviews on Trustpilot and a TrustScore of 4.7/5.