Name: College Football Week 6 - Fitz’s Top Takeaways
Uploaded: 2023-10-08T03:20:03Z
Duration: P119S
Description: Jason Fitz offers up his top takeaways from Week 6 of the 2023 College Football season.

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The makeup of the Montana Legislature has changed because of redistricting, and that's helped kill the super majority for Republicans in the next session.

Montana legislators prepare for session without GOP super majority

Tresean Gore returned from a layoff of more than two years to notch his second straight guillotine choke finish.

Tresean Gore: No beef, all respect, but about that Michael Bisping criticism at UFC Fight Night 247 …

We're back to mostly dry weather today, but we'll keep a slight chance for a shower, mainly north of I-69. It will be breezy with west winds 10-20 mph, with gusts near 30-40 mph. Highs climb into the mid 50s.

Metro Detroit Weather: Windy with a shower chance today

No matter the weather, Folsom's veterans, active duty personnel and community members are ready for the 24th Annual Wayne Spence Folsom Veterans Day Parade.

24th Annual Wayne Spence Folsom Veterans Day Parade

Die Philippinen wurden am Montag von Taifun „Toraji“ getroffen. Bei einer Schießerei an der Tuskegee Universität in Alabama wurde ein 18-Jähriger getötet. Die israelische Armee hat eine unterirdische Hisbollah-Anlage im Südlibanon entdeckt. Am Montag hat die Klimakonferenz COP29 in Aserbaidschan begonnen. In der Ukraine kam es am Montag zu mehreren russischen Angriffen. Die wichtigsten Nachrichten des Tages – kurz zusammengefasst.

k!News-Schlagzeilen: Taifun auf Philippinen, Hisbollah-Tunnel entdeckt, COP29 in Baku

STORY: :: "For those of us dedicated to climate action, last week's outcome in the United States is obviously bitterly disappointing.":: John Podesta, U.S. climate envoy "In January, we're going to inaugurate a president whose relationship to climate change is captured by the words 'hoax' and 'fossil fuels'. He's vowed to dismantle our environmental safeguards and once again withdraw the United States from the Paris Agreement.""While the United States federal government under Donald Trump may put climate action on the back burner, the work to contain climate change is going to continue in the United States with commitment and passion and belief.":: Baku, Azerbaijan :: November 11, 2024During the news conference Podesta also spoke about China, saying the country has an obligation to develop a plan to cut emissions that is aligned with the 2015 Paris Agreement goal to limit planetary warming to 1.5 degrees Celcius above pre-industrial levels.The annual U.N. climate summit began on Monday in Baku, Azerbaijan, with many country delegations concerned Trump's victory in U.S. presidential elections would hinder progress to limit planetary warming.Trump has promised to again remove the United States, the world's biggest historic greenhouse gas emitter, from international climate cooperation and maximise the country's already record-high fossil fuel production.

STORY: :: "For those of us dedicated to climate action, last week's outcome in the United States is obviously bitterly disappointing.":: John Podesta, U.S. climate envoy "In January, we're going to inaugurate a president whose relationship to climate change is captured by the words 'hoax' and 'fossil fuels'. He's vowed to dismantle our environmental safeguards and once again withdraw the United States from the Paris Agreement.""While the United States federal government under Donald Trump may put climate action on the back burner, the work to contain climate change is going to continue in the United States with commitment and passion and belief.":: Baku, Azerbaijan :: November 11, 2024During the news conference Podesta also spoke about China, saying the country has an obligation to develop a plan to cut emissions that is aligned with the 2015 Paris Agreement goal to limit planetary warming to 1.5 degrees Celcius above pre-industrial levels.The annual U.N. climate summit began on Monday in Baku, Azerbaijan, with many country delegations concerned Trump's victory in U.S. presidential elections would hinder progress to limit planetary warming.Trump has promised to again remove the United States, the world's biggest historic greenhouse gas emitter, from international climate cooperation and maximise the country's already record-high fossil fuel production.

U.S. climate envoy says Trump election win is 'disappointing'

The outcome of the 2024 US presidential election, with Donald Trump securing a second term, has left some Americans considering relocating abroad. In the wake of Trump's victory, Google searches for "leaving the US" have surged by approximately 1,500%.
Yahoo Finance Special Reporter <a data-i13n="cpos:1;pos:1" href="https://www.yahoo.com/author/rachelle-akuffo">Rachelle Akuffo</a> breaks down the details, discussing the top searched destination countries and providing tips on how one could potentially execute an international move.
To watch more expert insights and analysis on the latest market action, check out more Wealth <a data-i13n="cpos:2;pos:1" href="https://finance.yahoo.com/videos/series/wealth/">here</a>.
This post was written by <a data-i13n="cpos:3;pos:1" href="https://www.yahoo.com/author/angel-smith/">Angel Smith</a>

The outcome of the 2024 US presidential election, with Donald Trump securing a second term, has left some Americans considering relocating abroad. In the wake of Trump's victory, Google searches for "leaving the US" have surged by approximately 1,500%. Yahoo Finance Special Reporter Rachelle Akuffo breaks down the details, discussing the top searched destination countries and providing tips on how one could potentially execute an international move. To watch more expert insights and analysis on the latest market action, check out more Wealth&nbsp;here. This post was written by Angel Smith

Google searches for 'Leaving the US' jump 1,500% post-election

A child was taken to the hospital after being hit by a car Monday morning.

7-year-old suffers head injury after being hit by car

Honoring Veterans 3

Jack

Jason Fitz offers up his top takeaways from Week 6 of the 2023 College Football season.

College Football Week 6 - Fitz’s Top Takeaways

Yahoo自家製

ViuTV《出租大叔》張達倫由模特兒減薪入讀2004年TVB藝員訓練班，轉眼入行20年，達倫笑言幾乎做匀全台最紅女藝人前度，如今外型、演技更趨成熟「Timing啱啱好」，誰說九運只旺中女？達倫話：大叔都啱。

ViuTV《出租大叔》張達倫由模特兒減薪入讀2004年TVB藝員訓練班，轉眼入行20年，達倫笑言幾乎做匀全台最紅女藝人前度，如今外型、演技更趨成熟「Timing啱啱好」，誰說九運只旺中女？達倫話：大叔都啱。

【娛樂訪談】《出租大叔》張達倫：九運淨係中女？大叔都啱！

《黑色月光》內地反應熱烈，當中林夏薇飾演反派卓慧雲令觀眾又愛又恨，今次除了血拼楊茜堯(楊怡)，更初遇經典梟雄「霍景良」，薇薇坦承當年追看《創世紀》，如今竟然有機會同久休復出的鋒哥郭鋒合作，興奮之餘更大讚前輩，尤其臨場加入掌摑鋒哥戲份，令劇情更夠張力、角色更暗黑，難怪令觀眾睇到咬牙切齒⋯⋯

《黑色月光》內地反應熱烈，當中林夏薇飾演反派卓慧雲令觀眾又愛又恨，今次除了血拼楊茜堯(楊怡)，更初遇經典梟雄「霍景良」，薇薇坦承當年追看《創世紀》，如今竟然有機會同久休復出的鋒哥郭鋒合作，興奮之餘更大讚前輩，尤其臨場加入掌摑鋒哥戲份，令劇情更夠張力、角色更暗黑，難怪令觀眾睇到咬牙切齒⋯⋯

【娛樂訪談】《黑色月光》暗黑林夏薇血拼楊茜堯再遇上「霍景良」…

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拍得《出租大叔》，張達倫無可避免被歸類型佬大叔，不過當事人笑言無所謂，而且從來寵妻愛家的達倫，更自爆曾經被女生單眼暗示，最後佢點處理呢類爛桃花？各位姊妹，記得叫埋老公睇片做教材，準備好未？去片。

&nbsp;拍得《出租大叔》，張達倫無可避免被歸類型佬大叔，不過當事人笑言無所謂，而且從來寵妻愛家的達倫，更自爆曾經被女生單眼暗示，最後佢點處理呢類爛桃花？各位姊妹，記得叫埋老公睇片做教材，準備好未？去片。

【娛樂訪談】 《出租大叔》張達倫自爆曾遇女仔主動暗示…

《施政報告》進一步放寬按揭成數，希望刺激投資者及換樓購買力，但實際上是將貸款風險轉嫁至銀行體系。政策能否達到預期效果，銀行是否願意配合是關鍵之一。因應貸款風險，銀行從今年第二季開始，對按揭業務態度冷淡，不但取消了回贈，還通過緊縮估價來趕走客戶。直到第三季末才見曙光，開始有銀行重新提供現金回贈，幾家大型銀行更率先推出定息按揭，對即將按揭的業主有何幫助呢？
目前市場上有三間提供定息按揭的銀行，包括滙豐、中銀及渣打，均可提供最長三十年期按揭；定息期過後，按現時P來算，三間銀行的按息都為4.375厘，相對於市面P按的3.875厘為高。
但定息期後的利率高低，不應成為選擇定息按揭的標準。因為定息期後，業主可選擇轉按至其他按揭計劃。選擇定息主要是希望在某段時期內利率不變，因此應該關注定息期內的息率是否吸引。
就定息年期而言，中銀提供較多選擇，包括兩年、三年、四年及五年的定息。而滙豐只提供三年及五年，渣打則提供兩年及三年。
視乎不同定息期，利率介乎3.15至3.35厘。選兩年定息期，渣打提供3.25厘是最划算的；若選擇三年定息期，三間銀行統一為3.25厘。如果選擇五年期，提供此期限的滙豐及中銀同為3.15厘。總結而言，現時三間銀行的定息利率比P按的利率更低。
舉例，借貸額100萬元，選擇五年期定息，每月供款4,298元，比P按的每月供款4,703元要少約9%。在五年定息期內，累積支付149,322元利息，比選用普通按揭省下35,458元。
選擇定息若要節省利息，前提是要判斷未來五年的利率走勢，因為若定息期內贖樓，三間銀行都會收取原貸款額的1%至2%作為罰息。罰息期較一般按揭的兩年為長，無論做多久定息，提前贖樓都會進入罰息期。
即使提前部分還款也有代價。滙豐會收取提前還款額2個月的利息及提前還款額的2%；渣打收取1%至2%的提前還款額；中銀則要收取一個月利息。
還需注意的是，部分物業不能選擇定息按揭，其中滙豐及渣打表明不接受加按或轉按作定息申請，也不接受居屋或有資助成分房屋。部分銀行亦不提供可抵銷按揭息口的MORTGAGE LINK戶口，甚至部分會有配額限制。
很明顯，定息按揭的最大吸引力在於低於現時市面的利率，但風險在於需要與銀行打賭未來利率走勢，還有其他申請限制，買家需自行評估風險。

《施政報告》進一步放寬按揭成數，希望刺激投資者及換樓購買力，但實際上是將貸款風險轉嫁至銀行體系。政策能否達到預期效果，銀行是否願意配合是關鍵之一。因應貸款風險，銀行從今年第二季開始，對按揭業務態度冷淡，不但取消了回贈，還通過緊縮估價來趕走客戶。直到第三季末才見曙光，開始有銀行重新提供現金回贈，幾家大型銀行更率先推出定息按揭，對即將按揭的業主有何幫助呢？ 目前市場上有三間提供定息按揭的銀行，包括滙豐、中銀及渣打，均可提供最長三十年期按揭；定息期過後，按現時P來算，三間銀行的按息都為4.375厘，相對於市面P按的3.875厘為高。 但定息期後的利率高低，不應成為選擇定息按揭的標準。因為定息期後，業主可選擇轉按至其他按揭計劃。選擇定息主要是希望在某段時期內利率不變，因此應該關注定息期內的息率是否吸引。 就定息年期而言，中銀提供較多選擇，包括兩年、三年、四年及五年的定息。而滙豐只提供三年及五年，渣打則提供兩年及三年。 視乎不同定息期，利率介乎3.15至3.35厘。選兩年定息期，渣打提供3.25厘是最划算的；若選擇三年定息期，三間銀行統一為3.25厘。如果選擇五年期，提供此期限的滙豐及中銀同為3.15厘。總結而言，現時三間銀行的定息利率比P按的利率更低。 舉例，借貸額100萬元，選擇五年期定息，每月供款4,298元，比P按的每月供款4,703元要少約9%。在五年定息期內，累積支付149,322元利息，比選用普通按揭省下35,458元。 選擇定息若要節省利息，前提是要判斷未來五年的利率走勢，因為若定息期內贖樓，三間銀行都會收取原貸款額的1%至2%作為罰息。罰息期較一般按揭的兩年為長，無論做多久定息，提前贖樓都會進入罰息期。 即使提前部分還款也有代價。滙豐會收取提前還款額2個月的利息及提前還款額的2%；渣打收取1%至2%的提前還款額；中銀則要收取一個月利息。 還需注意的是，部分物業不能選擇定息按揭，其中滙豐及渣打表明不接受加按或轉按作定息申請，也不接受居屋或有資助成分房屋。部分銀行亦不提供可抵銷按揭息口的MORTGAGE LINK戶口，甚至部分會有配額限制。 很明顯，定息按揭的最大吸引力在於低於現時市面的利率，但風險在於需要與銀行打賭未來利率走勢，還有其他申請限制，買家需自行評估風險。

胡‧說樓市｜三大行推定息按揭，留意三大注意事項

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Jason Fitz offers up his top takeaways from Week 6 of the 2023 College Football season.

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College Football Week 6 - Fitz’s Top Takeaways

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