New York most expensive state to close on a home, Vermont 40th

first_img4232South Dakota$1,458$1,905$3,363 2551Kansas$1,453$2,161$3,615 4822Wisconsin$1,491$1,812$3,303 3143Illinois$1,422$2,083$3,505 44California – San Fran$1,386$3,181$4,566 12New York$2,015$3,608$5,623 5217Arkansas$1,466$1,542$3,007 928New Jersey$1,338$2,772$4,110 2710Washington$1,452$2,154$3,607 2926South Carolina$1,366$2,155$3,522 316Utah$1,431$3,174$4,605 475Oregon$1,450$1,883$3,333 3452Nevada$1,248$2,223$3,471 139Ohio$1,446$2,540$3,985 20102009State or cityOriginationTitle and ClosingTotal 1442Rhode Island$1,989$1,983$3,972 1539Arizona$1,437$2,514$3,950 1634Wyoming$1,460$2,462$3,922 2241DC$1,363$2,322$3,685 1823Louisiana$1,491$2,406$3,897 A new study released by Bankrate, Inc. reveals that the costs associated with buying a home are on the rise. Bankrate’s 2010 Closing Costs Survey reveals that the average origination and title fees on a $200,000 mortgage this year totaled $3,741, up from $2,732 in 2009. New York state was highest at $5,623; Vermont was 40th at $3,372.In the study’s geographical breakdown, with New York leading the nation Texas, Utah, San Francisco, and Los Angeles roundg out the top five. Arkansas is the least expensive area with an average fee of $3,007, replacing Nevada, now number 34, at the bottom of the list.One of the reasons for such a dramatic rise in the average estimated closing costs across the nation has to do with new regulations implemented in January of this year. When providing a potential borrower a Good Faith Estimate (GFE) of costs, regulations now require lenders to provide a Title and Closing Fee estimate within 10 percent of what the final cost will be; in previous years, estimates could fall lower on the spectrum without penalty for the lender.”The big rise in average closing costs may scare some homebuyers, but it’s important to keep things in perspective,” said Greg McBride, CFA, senior financial analyst for “Increased regulation on lenders’ GFEs means more accurate estimates and less expenses popping up for consumers on the back end.”For this study, Bankrate surveyed one area in 49 states, two areas in California (Los Angeles and San Francisco) and theDistrict of Columbia. Researchers picked a ZIP code in some of the largest cities in each state and requested information on the closing costs for at $200,000 loan. They requested fees on a 30-year, fixed-rate mortgage for a borrower with a 20 percent down payment and good credit to buy a single-family house. Bankrate’s survey includes lenders’ origination fees and title and settlement fees, and not taxes or prepaid items.NEW YORK, Aug. 16 /PRNewswire-FirstCall/ — The full results of the study can be seen here at is external). 2019Michigan$1,424$2,380$3,804 4447Missouri$1,344$2,012$3,356 4625Mississippi$1,480$1,855$3,335 3621Hawaii$1,303$2,139$3,442 2111North Dakota$1,515$2,285$3,800 4544Kentucky$1,448$1,893$3,341 2645Nebraska$1,529$2,079$3,608 78Oklahoma$1,352$2,902$4,254 4048Vermont$1,483$1,889$3,372 3030Alabama$1,529$1,983$3,512 3313New Mexico$1,401$2,079$3,480 2831Georgia$1,402$2,201$3,604 3212Tennessee$1,450$2,033$3,483 2335Delaware$1,401$2,248$3,649 5037Iowa$1,477$1,784$3,261 3550Indiana$1,452$2,013$3,465 1027Idaho$1,365$2,711$4,077 87Pennsylvania$1,340$2,897$4,236 1118Massachusetts$1,548$2,477$4,025 3924Connecticut$1,408$1,983$3,391 123Florida$1,237$2,751$3,987 514California – Los Angeles$1,419$2,987$4,406 3840Maryland$1,481$1,921$3,402 4336New Hampshire$1,533$1,825$3,358 2420West Virginia$1,421$2,216$3,637 1738Minnesota$1,403$2,517$3,920 3749Maine$1,456$1,976$3,432 21Texas$1,539$3,169$4,708 4129Colorado$1,449$1,917$3,366 4933Montana$1,409$1,890$3,298 5146North Carolina$1,476$1,779$3,255 1915Virginia$1,528$2,355$3,883 66Alaska$1,936$2,391$4,327 Source: Bankrate, Inc. 8.16.2010The Bankrate network of companies includes,,, Nationwide Card Services,, Fee Disclosure, InsureMe, Bankaholic, and NetQuote.  Each of these businesses helps consumers to make informed decisions about their personal finance matters. The company’s flagship brand, is a destination site of personal finance channels, including banking, investing, taxes, debt management and college finance. is the leading aggregator of rates and other information on more than 300 financial products, including mortgages, credit cards, new and used auto loans, money market accounts and CDs, checking and ATM fees, home equity loans and online banking fees. reviews more than 4,800 financial institutions in 575 markets in 50 states. provides financial applications and information to a network of more than 75 partners, including Yahoo! (Nasdaq: YHOO), America Online (NYSE: AOL), The Wall Street Journal and The New York Times (NYSE: NYT).’s information is also distributed through more than 500 newspapers.  Bankrate, Inc. was acquired by Apax Partners, one of the world’s leading private equity investment groups, in September 2009.  Apax operates across the United States, Europe and Asia and has more than 30 years of investing experience. For more information on Apax, is external).last_img read more

Fighting for his trophies

first_imgWould you like to read more?Register for free to finish this article.Sign up now for the following benefits:Four FREE articles of your choice per monthBreaking news, comment and analysis from industry experts as it happensChoose from our portfolio of email newsletters To access this article REGISTER NOWWould you like print copies, app and digital replica access too? SUBSCRIBE for as little as £5 per week.last_img

Lady Wildcats Shine Against Rising Sun

first_imgThe FC Lady Wildcats came out tonight with an offensive attack that ended with 38 shots in a single game, 20 of which were on on goal winning against Rising Sun 7-2.Juniors Brylee Pace and Abby Lucas had matching Hat Tricks. Adrienne Bundy also found the back of the net. Other Wildcats with SOG this game were: Grace Noble (3), Hanna Surber (3), Jordan Nichols (2) and Sara Weaver (1).Jordan Nichols had 2 assists on the night along with and assist from Morgan Stewart.Senior Goal Keeper Shelby Pearson continues to lead the league with an impressive 20 saves after 2 games.With attacking players such as Brylee Pace, Abby Lucas, Jordan Nichols and Grace Noble, this will be the first of many games were the Lady Wildcats have 20+ goals.Courtesy of Wildcats Coach Cindy Adams.last_img read more

Liverpool travel to London, Roma face Juventus as European football action resumes

first_imgRelatedPosts Lampard: I still have confidence in Tomori Pirlo not out to copy anyone after Juventus’ comfortable opening win Mane double eases Liverpool to win over 10-man Chelsea The 2019/20 Premier League season continues this weekend with Jose Mourinho’s Tottenham Hotspur hosting red hot Liverpool in London. Tottenham, after an initial bounce when manager Jose Mourinho arrived, has stuttered of late, winning just one of their last four league clashes and coming into this game on the back of an insipid 1-0 loss away to Southampton early in the New Year. Liverpool, on the other hand, have been imperious in the Premier League and defeated Sheffield United 2-0 at home last midweek to ensure they enjoy a massive 13-point lead over second-placed Leicester City. With Tottenham yet to find their rhythm, Jurgen Klopp will be confident that the Reds can repeat the 2-1 victory they claimed over Spurs back in October and bring their winning streak over the London side to five matches across all competitions. Another exciting fixture in the Premier League this weekend is the London derby between Arsenal and Crystal Palace. The Eagles are currently enjoying a strong campaign and are one place above their opponents who occupy 10th position. However, the Gunners showed in their last Premier League outing against Manchester United that they have found new energy under Mikel Arteta. This is a clash which will also be peppered with major African stars, including Wilfried Zaha, Jordan Ayew, Nicolas Pepe and Pierre-Emerick Aubameyang. Elsewhere, Manchester United host bottom-of-the-log Norwich City, Chelsea will hope their home form returns with a clash against Burnley, and Everton will chase another win under new manager Carlo Ancelotti when Brighton & Hove Albion head to Goodison Park. Football fans can watch all the match live on Supersports on DStv and GOtv. In the English Championship, Brentford host Queens Park Rangers at Griffin Park. The Bees have been in outstanding form over recent weeks, culminating in a 4-0 home win over Bristol City on New Year’s day, in which Brian Mbeumo, Said Benrahma and Ollie Watkins shared the goals to push the club up to third place on the log. Rangers, by contrast, went through a miserable spell in December before blowing away the cobwebs by crushing Cardiff City 6-1 on January 1, with Nakhi Wells hitting a hat-trick as the London club exploded back to form. This game is well poised for a thrilling action as both teams come into the match on the back of convincing victories in their last fixture. Another intriguing game in the championship this weekend is the Welsh derby between Cardiff City and Swansea City on Sunday afternoon. Swansea, who have dominated Cardiff in head-to-head, winning 10 of the teams’ last 20 clashes (suffering just five defeats in the process) will be going all out against their Welsh opponent as they hope to secure a playoff position at the end of the season. The Swans also claimed a 1-0 win over their fellow Welsh club when they last met back in October 2019 at the Liberty Stadium. Both games will be live on Supersports on DStv and GOtv. In the Seria A this weekend, SuperSport viewers will enjoy the clash of Roma and Juventus at the Stadio Olimpico in the “Eternal City” on Sunday night. With Roma climbing up the log at the back end of 2019, they will back themselves to trouble the champions on home soil, especially if they can get the likes of Edin Dzeko, Nicolo Zaniolo and Henrikh Mkhitaryan firing on all cylinders. Juventus, on the other hand, will hope that Christiano Ronaldo will continue his goalscoring form against the Giallorossi on Sunday. Juventus remain one of the clear favourites to win the Serie A title this season. They will hold no fear of trip of Rome – despite losing 2-0 at the hands of the Giallorossi at the back end of last season. The clash will be critical to both teams’ ambitions: Juve’s championship chase with Internazionale means they cannot afford to drop points regularly, while Roma will feel the same in their battle for a spot in next season’s UEFA Champions League. Other Serie A matches to watch out for this round include Milan with a must-win clash away to Cagliari, Lazio hosting Napoli, Sampdoria with a key relegation six-pointer at home to Brescia, and Gervinho’s Parma at home to Lecce to round out the action in a late game on Monday night. Seria A football fans can watch all Seria A match on Supersports on DStv and GOtv.Tags: Jose MourinhoJuventusLiverpoolRomaTottenham Hotspurlast_img read more

Toure motivated by perfect start

first_img Brendan Rodgers’ side are the only Premier League team with a 100 per cent record and while it is still very early days, the Ivory Coast international thinks the signs are encouraging. “[Looking at the table] motivates us to do more,” said the summer free signing from Manchester City. Liverpool defender Kolo Toure is not surprised by the Reds’ start to the season and believes being top of the table only provides more motivation. “If you want to be successful, you need to work as a team. That is really important because we are a group of players and we have the same target – to win trophies and do as well as we can. “When you don’t play, you need to support the team and your team-mates need to feel that you are behind them fully.” Toure’s joy at the victory over United was evident as he made his way down from the directors’ box to celebrate with players on the pitch. And while his influence at the back has been praised since his arrival to fill the boots of the recently-retired Jamie Carragher, the 32-year-old admitted he gained a lot of confidence from the win over their arch-rivals. “United was a big game but at the end of the day we won the game and that calmed me down because I saw the team played very well, dominated and controlled the game very well,” he added. “When you can’t play but still see your team win, that helps you to become calmer.” Away from the pitch, principal owner John Henry has offered reassurances finances are in place for the club to push on with their stadium redevelopment once the planning authorities give the go-ahead. Henry’s Fenway Sports Group has been looking for some time to increase Anfield’s capacity – reportedly at a cost of around £154million – and the American says Liverpool City Council has made “good progress” in purchasing the few remaining privately-owned properties around the stadium in order to enable the Main Stand to be expanded. Planning permission will only be sought once all deals are finalised, and Henry believes that – rather than the financing – remains the biggest hurdle. Quoted in the Liverpool Echo, he said: The previous regime (Tom Hicks and George Gillett Jr) were talking about going out and borrowing an enormous amount of money to build an enormous new facility. That’s not what we’re doing. “One of their problems was that they weren’t able to get financing. When this (project) happens, financing won’t be the problem. “We just need certainty with regard to these properties and the number of properties that are in question keeps getting reduced.” “I’m not surprised because of the effort we put in during pre-season and the commitment of the players every day in training. “We’ve been working so hard and everybody is really focused – the young players and the experienced players. “The manager is doing a great job, all the staff are working really hard. We need to carry on doing that and the results will come.” Toure missed the victory over Manchester United last time out because of injury and watched from the sidelines as his replacement Martin Skrtel put in an impressive performance in his first game of the season. But while competition for places at centre-back have increased following the signings of Mamadou Sakho and Tiago Ilori, Toure insisted that did not affect morale within the dressing room. “Skrtel had a fantastic game and we worked as a team really well. That is great for the team spirit of the group,” he told “It’s key. With team spirit, you can win anything. Individuals are very important but team spirit is the key – it is the most important thing. “Individuals can win you one game, but to win trophies or be champions it is a group of players. Press Associationlast_img read more

Two uncapped players in Windies women training camp

first_img… Guyanese Erva Giddings and Grenadian  Akeira Peters namedST JOHN’S, Antigua (CMC) – Two uncapped players have been named in a squad of 18 to attend a training camp in Jamaica next month, ahead of the One-day International (ODI) home series between West Indies Women and England Women.Erva Giddings, a 30-year-old all-rounder from Guyana, and Akeira Peters, a 22-year-old medium pacer from Grenada, have been asked to attend the camp which runs from September 16 to 30.The bulk of the training outfit comprises members of the squad who won the Women’s World Twenty20 trophy, the likes of Merissa Aguilleira, Deandra Dottin, Stafanie Taylor, and Anisa Mohammed.The camp will also mark the return of left-handed all-rounder Shanel Daley to the fold following a near two-year absence, due to a knee injury.“We are happy to welcome back Shanel. She was one of the top ODI and T20I bowlers in the Caribbean and was also highly rated in the ICC Women Players’ Rankings,” said Courtney Browne, chairman of the Selection Panel.“Shanel brings a wealth of experience back to the squad and will highly challenge for a place in the final 13.”The series against England Women comprises five ODIs, the last three of which will count towards the ICC Women’s Championship to be contested between October 8 and 19 at the Trelawny Multiplex and Sabina Park in Jamaica.The ICC Women’s Championship is a multi-year, bilateral competition between the top eight international women’s sides that will lead to automatic qualification for the top four teams to next year’s ICC Women’s World Cup to be hosted by the England & Wales Cricket Board.“The squad of 18 comprises members of our Women’s World Twenty20-winning squad, along with other talented players from the recent Regional Women’s Tournament played in Guyana,” said Browne.“The Selection Panel will reduce the squad to 13 at the end of the training camp, as we look forward to a highly competitive series against England Women”.The Windies Women are currently second in the standings on 20 points – four behind current ODI World champions Australia Women – and one ahead of England Women.They are due to complete their schedule of ICC Women’s Championship matches in November on the road against India Women.SQUAD: Merissa Aguilleira, Shemaine Campbelle, Shamilia Connell, Britney Cooper, Shanel Daley, Deandra Dottin, Afy Fletcher, Erva Giddings, Stacy-Ann King, Kycia Knight, Hayley Matthews, Anisa Mohammed, Chedean Nation, Akeira Peters, Shaquana Quintyne, Shakera Selman, Tremayne Smartt, Stafanie Taylor.last_img read more

UW hands out 3 game balls to ‘D’

first_imgHitting the RoadThe Badgers (6-2) head to Hoosier country this Saturday for their showdown with Indiana (4-5). Bielema believes Indiana is a better team than their record suggests.“Indiana’s a good football team that unfortunately has not been able to close out some games,” Bielema said. “Because we have had a little bit of success on them in the last couple of years, when we go over there they are going to be very hungry to play us.” One of the things Bielema and his staff are preparing for is an offensive attack that employs a variety of formations.“They run every offense,” Bielema said. “Because of what they can do from an athletic standpoint, they’ve kind of done a variety of different formations.”The Badgers will also have to be ready for junior quarterback Ben Chappell, who is in his second year as a starter and is fourth in the Big Ten in passing yards.“We saw [Chappell] a year ago and I think he’s over a 60 percent passer right now, so that’s going to present its own challenge,” Bielema said.Bielema is optimistic his team’s success against Purdue will translate to more success this weekend.“Once they taste it a certain amount of times, they want to keep going back to it,” Bielema said. “Hopefully they will be able to do that.” Tough Competition?Bielema touched several times on the high level of competition in the Big Ten this year. The conference currently has four teams ranked in the top 25 of the BCS.“I think that anybody can beat anybody on a given Saturday,” Bielema said. “I think there are certain teams that have more talent than others, but there’s a constant struggle between a number of us to jockey to be that team that can make a special run.”Many members of the Big Ten community believe the conference is still underrated on the national scale. Iowa, for example, is ranked only eighth in the AP poll, despite remaining undefeated while playing a tough schedule.“I know, as somebody who has played them, [Iowa is] very, very good,” Bielema said. “The only thing we can do to change [the conference’s reputation] is to win.” ? UW\’s Dan Moore sacked Purdue quarterback Joey Elliot and was awarded a game ball by Bret Bielema.[/media-credit]Coming off of a dominating 37-0 performance against Purdue Saturday, Wisconsin football head coach Bret Bielema was excited about his team’s performance and is now preparing for this coming Saturday’s showdown at Indiana.Saturday’s Top PerformersBielema and his coaching staff recognized several key players in Saturday’s win. Though multiple players starred on offense, the Badgers awarded tight end Lance Kendricks.“We took the opportunity to recognize some MVPs yesterday,” Bielema said. “On offense it was Lance Kendricks, somebody that continues to make strides and move forward.”While Kendricks played many roles on Saturday, perhaps the most surprising statistic was the 91 rushing yards he recorded despite never getting a carry in any previous game.Kendricks’ total rushing yards were more than quadruple his receiving yards.“When you have a certain player at a certain position with certain skills, I think you have to use that set,” Bielema said of Kendricks’ versatility.Bielema and his coaching staff seemingly had a much more difficult time picking out just one player to award on defense.“Defensively, we gave it to three guys who probably played their best games to this point: Dan Moore, J.J. Watt and Devin Smith,” Bielema said.While Bielema was particularly impressed by the efforts of Moore, Watt and Smith, he stressed that he was most pleased with the play of his defense as a whole.“It’s not just one guy here or there defensively; it was 11 guys that played pretty well,” Bielema said.Bielema also recognized the special teams play of David Gilbert, who helped the Badgers in spectacular fashion with a blocked punt in the second quarter.“On special teams, we gave [the MVP] to David Gilbert,” Bielema said. “He basically played on three of the units and his punt block was exceptional.”last_img read more

Stephanie deLaforcade finds niche role on Syracuse with lacrosse past

first_img Comments Published on October 15, 2019 at 10:00 pm Contact Eric: Facebook Twitter Google+center_img The stress fracture in Stephanie deLaforcade’s left foot was starting to heal, but she suited up anyway. The all-state midfielder couldn’t miss her high school senior day in May 2017.Though deLaforcade missed the last half of East Lyme’s (Connecticut) lacrosse season during her senior year, she knew that final game was her last chance to play lacrosse competitively. She was also an all-state soccer player, and had already committed to Maryland for that.East Lyme’s lacrosse coach Phillip Schneider encouraged her to lace up her cleats and pick up her stick. Just minutes into the game, deLaforcade found an opening. She couldn’t run at full speed, but deLaforcade caught a pass in front of the net and scored the final goal of her lacrosse career.“Having that last moment really just meant a lot to me,” deLaforcade said.After choosing soccer and spending one year at Maryland, deLaforcade continued her collegiate career at Syracuse. Last season, as a redshirt freshman, she played in all 18 games for the Orange. Now, she’s using the athleticism and versatility learned through lacrosse to become a key reserve player for an injury-ridden Syracuse (3-2-8, 1-4-1 Atlantic Coast) in 2019.AdvertisementThis is placeholder text“The one thing we’re looking from her is a spark,” head coach Nicky Adams said. “When (Sydney) Brackett comes off or (Marisa) Fischetti comes off, we need somebody to come in and cause havoc.”This season, the Orange have struggled with gaining possession, but deLaforcade has been able to help because of her background as a lacrosse midfielder. Adams said she has been impressed with deLaforcade’s ability to absorb information and make adjustments on the pitch. deLaforcade scored once for the Orange last year, but now her role is more possession-based.For deLaforcade, as well as all of Adams’ forwards, the goal for the rest of the season is to continue to improve at holding the ball while completing the first pass to set up offensive rushes. Her multi-sport experience makes this a natural skill.“When I might not have the ball, I’m seeing where passes might go or seeing where there’s gaps and I’m already looking for that,” deLaforcade said. “So I think that really carries over from lacrosse into soccer.”Karleigh Merritt-Henry | Digital Design EditorBefore college, deLaforcade’s focus had always been soccer, playing on club teams her whole life. But she also quickly rose through the lacrosse ranks. Schneider said she made the varsity team as a freshman, a rarity in his program.“She was our best midfielder, our best draw control player, our best athlete, our best scorer,” Schneider said.While she was recruited for lacrosse by several smaller schools including Siena, she received more attention for soccer after she was named the 2016 All-Area Girls’ Soccer Player of the Year by a local newspaper for breaking her conference’s single-season record with 42 goals.During her recruitment process, deLaforcade developed rapport with then-Northeastern head coach Tracey Leone. But when Leone resigned in January of 2016, deLaforcade’s interest shifted to Maryland, where Leone’s husband had just been hired as the Terps’ head coach.deLaforcade committed to Maryland, but didn’t appear in any games during her lone season there. She said “it wasn’t the best fit” between her and UMD’s coaching staff.“I was more of a possession-type,” deLaforcade said. “That’s what I’ve always played and he wanted a ‘go-go-go,’ very direct which wasn’t necessarily what I was used to and it was just a tough transition from him.”Frustrated by her freshman-year experience, deLaforcade decided to transfer. Phil Wheddon, then SU’s head coach, convinced the forward to come to Syracuse. Now under Adams, deLaforcade “couldn’t be happier” and said the change was better than she ever hoped.For deLaforcade, a sense of team bonding has always felt stronger on a soccer pitch compared to the lacrosse field — it’s part of the reason she fell in love with soccer. Under Adams, the culture has only improved that. It’s made the process of transferring and adapting to her role easier.“I mean I do love lacrosse,” deLaforcade said. “I do miss it a lot, but something about soccer couldn’t keep me away.”— Asst. digital editor Arabdho Majumder and staff writer Tim Nolan contributed reporting.last_img read more