first_imgPotential first home buyers say they have other debts to pay off before they can think about taking on a mortgage. Picture: GettyDESPITE what many may think saving a deposit isn’t the most stressful part of buying a first home.A survey of first home buyers found trying to navigate and assess a complicated range of mortgages stressed them almost more than any other part of the process.And it was Queensland buyers who found it the harder than buyers in any other state according to the latest Homebuyer Barometer from homeloans.com.au.Spokesman Will Keall said navigating the maze of mortgages was overwhelming for many first home buyers.Video Player is loading.Play VideoPlayNext playlist itemMuteCurrent Time 0:00/Duration 1:40Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -1:40 Playback Rate1xChaptersChaptersDescriptionsdescriptions off, selectedCaptionscaptions settings, opens captions settings dialogcaptions off, selectedQuality Levels720p720pHD540p540p360p360p270p270pAutoA, selectedAudio Trackdefault, selectedFullscreenThis is a modal window.Beginning of dialog window. Escape will cancel and close the window.TextColorWhiteBlackRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentBackgroundColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyOpaqueSemi-TransparentTransparentWindowColorBlackWhiteRedGreenBlueYellowMagentaCyanTransparencyTransparentSemi-TransparentOpaqueFont Size50%75%100%125%150%175%200%300%400%Text Edge StyleNoneRaisedDepressedUniformDropshadowFont FamilyProportional Sans-SerifMonospace Sans-SerifProportional SerifMonospace SerifCasualScriptSmall CapsReset restore all settings to the default valuesDoneClose Modal DialogEnd of dialog window.This is a modal window. This modal can be closed by pressing the Escape key or activating the close button.PlayMuteCurrent Time 0:00/Duration 0:00Loaded: 0%Stream Type LIVESeek to live, currently playing liveLIVERemaining Time -0:00 Playback Rate1xFullscreenClose Modal DialogThis is a modal window. This modal can be closed by pressing the Escape key or activating the close button.The First Home Buyers Super Saver Scheme01:40 Related videos 01:40The First Home Buyers Super Saver Scheme01:25First home buyer struggles01:13Affordability Stamp Duty Changes03:25Auction Mornings – First home buyer01:07Tenant to Homeowner00:51Household DebtIn Queensland 28 per cent of respondents said finding the right property was the biggest stress, above finding the right mortgage 25 per cent.Many potential home buyers revealed they had to pay off existing debts before they could think about saving for and buying a home.More from newsMould, age, not enough to stop 17 bidders fighting for this home3 hours agoBuyers ‘crazy’ not to take govt freebies, says 28-yr-old investor3 hours ago“Worryingly, it’s the Millennials who had the greatest debt to pay — over $10,000 — while saving for a deposit, while those aged between 45 and 64 had the smallest debt, with 90 per cent of those in that age range needing to pay off less than $5,000,” Mr Keall said.The survey found a significant number (12 per cent) used money from their parents to help with the deposit.In Queensland 16 per cent of respondents relied on their parents for help.About 22 per cent also revealed the only way they could get into the market was to buy in conjunction with another person.last_img read more


first_imgThe second annual Karl Performance Arizona IMCA Modified Tour came to an end Sunday at Cocopah Speedway with Ricky Thornton Jr. in victory lane for the second time. (Photo by Melissa Coker, Melissa’s Out On A Limb Photography) By Mike SpiekerSOMERTON, Ariz. (Feb. 18) – The second annual Karl Performance Arizona IMCA Modified Tour came to a close with a Sunday matinee at Cocopah Speedway and Ricky Thornton Jr. ended his afternoon with the $1,500 Winter Nationals feature win.Thornton grabbed the lead from the pole as Aaron Turnbull followed him into second. Thornton quickly pulled away from the field, opening his advantage to over two seconds by lap five.The field stretched itself out throughout the first half of the race until Thornton reached the tail of the field with 13 of 25 laps completed. Mired in traffic, Thornton’s lead quickly evaporated to just a half second on Turnbull.Turnbull, who was looking to pick up his second consecutive main event win, closed to within two car lengths until he was slowed by a lapped car. Thornton simultaneously over-drove turns one and two, which kept Turnbull within striking distance.In clean track, however, Thornton hit his marks and cruised to the checkered flag.“I kind of figured the groove was going to be right around the bottom. I knew Aaron was going to be good starting behind me so I knew I couldn’t make any big mistakes on the bottom through traffic,” Thornton said following his fifth 2018 Fast Shafts Allstar Invitational ballot qualifying vic­tory. “With about three to go, I missed the bottom and I thought the race was over. Luckily we had a big enough lead.”Turnbull, Tripp Gaylord, Marriott and Austin Kuehl rounded out the top five.Austin Howes picked up the Karl Chevrolet Northern SportMod win in a feature slowed by cau­tions. He got out to over a one second lead with under five circuits remaining and took the win unchallenged in the late stages.Nick Spainhoward, Chase Alves, Fred Ryland and Arie Schouten rounded out the top five.Feature results – 1. Ricky Thornton Jr.; 2. Aaron Turnbull; 3. Tripp Gaylord; 4. Hunter Marriott; 5. Aus­tin Kuehl; 6. Ryan Gaylord; 7. Cody Laney; 8. Anthony Roth; 9. Chris Abelson; 10. Spencer Wilson; 11. Casey Arneson; 12. Jeff Taylor; 13. Chad Andersen; 14. Kody Scholpp; 15. Casey Skyberg; 16. Chaz Baca; 17. John Parmeley; 18. Troy Morris; 19. Dylan Goplen; 20. Shawn Strand; 21. D.J. Shannon; 22. Tim Ward; 23. Marlyn Seidler; 24. Wade Taylor; 25. Alex Stanford; 26. Lucas Schott.last_img read more


first_imgBarry Shank, professor of American studies, cultural theory and popular music at the Department of Comparative Studies at the Ohio State University, discussed culture in music at a seminar Monday hosted by the Annenberg School for Communication and Journalism.Listening · Professor Barry Shank of the Ohio State University speaks at a seminar Monday about his research into cultural meaning and interpretation of popular music. – Priyanka Patel | Daily TrojanHis presentation “From Sentimental to Interrogative Listening: Clining in the Aural Imaginary” focused on what is called the “aural imaginary” by ethnic studies expert Roshanak Kheshti: “where experiences of musical pleasure are inescapably structured by relations of dominance.”Shank received a Ph.D. in American Studies from the University of Pennsylvania and currently studies the “political agency of music, commercial popular culture and cultural history,” according to his biography on the Ohio State website.Shank is currently working on a project called “Silence, Noise, Beauty: The Political Agency of Music,” which was presented at the lecture.Shank explained the idea that it is impossible for human beings to listen to sounds from various cultures and experience meaning in the same way.“If we only listen to music we already know, that music does nothing but reaffirm our already existing sense of the world and our already existing sense of what we believe,” Shank said.One band of a specific culture that Shank referred to is Tinariwen, whose members originate from the Sahara Desert area of northern Mali. The members of the band met in refugee camps in Libya and many participated as rebel fighters in Mali. Their music sends a strong message about the suffrage of the Tuareg people and other suppressed groups using an instrument familiar to Western listeners: a guitar.Shank said that the melodies of Tinariwen “stage an exchange of articulate voices,” and that the presence of the band’s music all over the world shows the use of a familiar medium to convey a message foreign to many.“What’s sought isn’t your affection, but your respect,” Shank said of the music of other communities around the world. He noted that listeners are often unable to empathize with the messages of people of vastly different cultures, but can still feel the music and note the sense of beauty in the work.Many students who attended the seminar were not familiar with the subject at hand, but were enticed by the implications of Shank’s work.Robert Sarkesium, a first-year Ph.D. student in Annenberg, said he enjoyed Shank’s presentation even though he did not have much experience with the topic.“I am very happy that this work is being done [with] the focus on different cultures and music and different kinds of media,” Sarkesium said.last_img read more


first_imgThe trophy is handed over by a tribal chief©Barry Aldworth/BackpagePixThe Confederation of African Football (CAF), have officially annouce the qualifying format for 2019 African Cup of Nations (AFCON).According to African football writer, Lotfi Wada, who tweeted a picture of CAF’s press release, the qualifying round for AFCON 2019 will see 12 group winners, alongside 11 runners up make it to the continental tournament which will be hosed by defending champions, Cameroon.After the CAF symposium in Rabat, Morocco, in July, CAF executive members changed the AFCON from a 16 team tourney to 24 teams, which will now be played in June-July instead of the previous January-February.Relatedlast_img read more