Congress must set aside differences and put savers first

first_img Newsletters 1 3 House committee poised to advance SECURE 2.0 retirement savings bill The Gates divorce: Lessons for financial advisers 4 House panel unanimously passes SECURE 2.0 InvestCloud to acquire Advicent and NaviPlan planning software You have read 726 of 3 free articles this week. Register now for increased access.Register for free access to this article.By registering, you can read up to 3 articles per week.RegisterAlready registered? Sign in to continue reading or subscribe for unlimited access.,MOST READ 5 2 Why Tony Robbins, tax shelters and financial advisers don’t mix Subscribe for original insights, commentary and analysis of the issues facing the financial advice community, from the InvestmentNews team.last_img

Lessons from a snail

first_imgA motivational storyThe crimson sun was high, and the season of blossom and fruits was just a few days away. In the gardens of nature, there lived a snail. Slowest of them all, but carried a shell of wisdom. As summer was fading and the grand season of spring was arriving in a few days, the snail marked an apple tree; the large apple tree was going to be a challenging climb for the slow creature, but the juicy apples at the top would certainly be worth the hassle.The snail dragged itself to the bottom of the tree, and diligently started its climb; across the apple tree, stood a tall and dark oak tree. The oak tree was home to a pair of grey owls; the snail had caught their attention. The owls mocked the snail, “look at that slow-poke, barely moving an inch in an hour. The poor fellow has no idea that there are no apples in the tree.” The snail did not mind and kept itself on the track to the top, and the owls went back about minding their business.As the last light of the day dissolved, the owls set their sight back on the snail. The slow-poke had hardly made any progress; it was just a few inches ahead from where it had started. The pair of birds felt a sense of sadness and sympathy. They decided to fly down to the snail, “Mr Snail, there are no fruits at the top of the tree yet, your hard work of climbing up the tree is in vain.” The owls spoke. Without a pause, the snail climbed on and answered, “ Dear Owls, it will take me a long time to reach the top of the tree, and spring is just a few days away. By the time I reach the top, the apples will be there.” The owls understood and left the snail alone on its quest to reach the top.In life, the very same happens. The road to your goals in far fetched and not everyone can see your dreams. Avoid the owls in your life and stay disciplined in your path towards reaching your goals.last_img read more

Another tuneup for the Greyhounds

first_img Another tuneup for the GreyhoundsAugust 18, 2015Peoples DefenderSports0 Manchester scrimmages at Northwest Top Searches Top Searches PARK FOR OLIVCovid 19Adams County Common Pleas Court By Mark Carpenter – [email protected] Manchester running back Dallas Grooms (25), center, looks for an opening in the Northwest defense during action from the Aug. 15 pre-season scrimmage at Northwest High School. – Mark Carpenter | People’s Defender On the final play of last Saturday’s scrimmage, Manchester quarterback Nick Woolard, left, drops back to pass, pressured by Northwest defender Darien Logan. – Mark Carpenter | People’s Defender On the final play of last Saturday’s scrimmage, Manchester quarterback Nick Woolard, left, drops back to pass, pressured by Northwest defender Darien Logan. https://www.peoplesdefender.com/wp-content/uploads/2015/08/web1_Football11.jpgOn the final play of last Saturday’s scrimmage, Manchester quarterback Nick Woolard, left, drops back to pass, pressured by Northwest defender Darien Logan. Mark Carpenter | People’s Defender Manchester running back Dallas Grooms (25), center, looks for an opening in the Northwest defense during action from the Aug. 15 pre-season scrimmage at Northwest High School. https://www.peoplesdefender.com/wp-content/uploads/2015/08/web1_Football21.jpgManchester running back Dallas Grooms (25), center, looks for an opening in the Northwest defense during action from the Aug. 15 pre-season scrimmage at Northwest High School. 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Arrow right #1 Icon Created with Sketch. center_img HomeSportsAnother tuneup for the Greyhounds The first time with an unfamiliar foe across the line of scrimmage for the 2015 Manchester Greyhounds football squad came on Saturday, Aug. 15 as the Hounds ventured to Northwest High School to battle the host Mohawks.In an early morning two-hour preseason tuneup, that line of scrimmage was unkind to the Greyhounds as Northwest, behind huge offensive and defensive lines, controlled the action in the trenches and ran the ball at will on offense and other than a few instances, stifled a short-handed Manchester offense.“We knew going into the scrimmage that Northwest was going to be well coached ad very physical,” said Manchester head coach Dustin Cook. “That was one of the big reasons that we wanted to scrimmage them, as we knew it was going to be a good test to see where we were physically at this point in our season.”The Hounds played short-handed on both sides of the ball the majority of the day due to injuries which no coach wants to see in the preseason. Running back Bryan Young, a key cog in the Hounds’ offense, went out early in the scrimmage with concussion-like symptoms and quarterback Jordan Freeman was sandwiched on a hard hit by two Northwest tacklers. Freeman stayed on the ground in pain for a few minutes before making his way to the sidelines, where he spent the rest of the day nursing an ice pack wrapped around his left bicep. Manchester also saw running back James Arias leave the scrimmage, like Young with concussion symptoms after a blow to the head. The injuries, all of whom are expected to recover quickly, allowed Coach Cook to use a number of players in different spots.“Going into the scrimmage we wanted to make sure that we got a lot of our guys worked into the mix,” said Cook. “We definitely wanted to come out of there without any real serious injuries and we seemed to have done that which is always a plus.”The scrimmage was played on the Northwest junior high field as their varsity field was undergoing some sod work. No matter which field the two teams met on, it was the Mohawks spending the majority of the time in the red zone and the end zone behind their brutal rushing attack. The two teams used two different formats in the scrimmage, the 10 plays on offense and then down and distance situations.The Hounds found the end zone during the early 10-play efforts with Freeman at quarterback and Arias finding pay dirt, but struggled the rest of the way, though backup QB Nick Woolard was able to take some valuable snaps. The Mohawks took the ball to the end zone on five consecutive possessions, while holding down the Greyhound offense that incurred some mistakes with bad snaps and quarterback sacks, plus a Woolard interception toss.“Overall, I thought the scrimmage went well,” said Coach Cook. “Offensively we were able to move the ball at times and defensively we were able to see just where we needed to be from a physical standpoint.”“The main focus for this week is to make sure that we get our health back to full strength and start focusing on what we need to do as a team to be successful to start the season.”The Hounds have one more tune-up before their Aug. 28 season opener and they will welcome the West Union Dragons to Greyhound Stadium this Friday night for the annual Jamboree Game between the two county squads. Fans at the game will receive a special schedule schedule poster highlighting the 2015 seasons for both teams courtesy of The People’s Defender. PreviousRockets get boost from West Union in scrimmageNextCounty soccer teams on display Around the WebMd: Do This Immediately if You Have Diabetes (Watch)Blood Sugar BlasterThis Weird Method Can Restore Your Vision Naturally (Watch)Healthier LivingHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential HealthThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancel Reach Mark Carpenter at 937-544-2391 or on Twitter @adamscosports. Reach Mark Carpenter at 937-544-2391 or on Twitter @adamscosports.last_img read more

Mayor Dawn Zimmer/HHA attorney demands Carmelo Garcia retract lawsuit

first_img A letter sent from attorney Thomas Abbate to Assemblyman Carmelo Garcia’s (D-33) attorney, Louis Zayas, yesterday is asking him to withdraw their “frivolous” lawsuit claiming conspiracy and breach of contract against Mayor Dawn Zimmer, Hoboken Housing Authority Chairwoman Dana Wefer and board Vice Chair David Mello.[fve]https://www.youtube.com/watch?v=inLtPxv1UKw&feature=youtu.be[/fve]If the lawsuit is not withdrawn in the next 28 days, the plaintiffs will seek an unspecified amount of “appropriate monetary sanctions,” according to the three-page letter that was first posted by Hobokenhorse.com.Abbate called the first Garcia lawsuit, filed last August and initially alleging “ethnic cleansing” against Zimmer, “a cheap publicity stunt” since he “undertook no action whatsoever to actually prosecute” the litigation.Garcia was since fired as HHA executive director at a special meeting late this summer.The initial lawsuit was dismissed without prejudice in Hudson County Superior Court on December 19.A lawyer for the high-powered Teaneck firm Decotiis, FitzPatrick & Cole, Abbate essentially called the filing of the second lawsuit a desperation move by Zayas and Garcia, since the second suit is so similar to the second one it is “an abuse of the justice system” since “it defies logic for plaintiff to be simultaneously litigating two lawsuits against the same defendants, based upon the same facts and legal claims, in the same court.”Furthermore, Abbate notes that discrimination and racketeering claims had been thrown out by Hudson County Superior Court Judge Lawrence Maron in the first Garcia lawsuit.Zayas scoffed at the letter, saying it was clearly more bark than bite when he spoke to Hudson County View over the phone.“Mr. Abbate’s letter is baseless without any legal support, let him put his money where his mouth is. Let him file to dismiss and we will prevail. If there was ever a case to show unlawful discrimination and unlawful retaliation based on a pattern of racketeering, this is the case. If there’s any motion to dismiss, we will respond and prevail,” he said.Abbate did not return calls seeking comment from Hudson County View Tuesday afternoon. Mayor Dawn Zimmer/HHA attorney demands Carmelo Garcia retract lawsuit jmaresca23 November 29, 2016 6:18 pm at 6:18 pm 4 COMMENTS I typically do not follow Hoboken politics however I know the players in question and whenever I come across stories like this is reminds me of children fighting over a new toy. I was born and raised in Hoboken and moved to Bergen County 15 years ago but I still love Hoboken. It’s funny how these newcomers walk into town and play political games to claim something that isn’t nor will it ever truly be theirs. For all of you “Johnny come latelies”, no matter how many elections you run for or how many lawyers you hire you will never be a Hobokenite nor will you ever know what it’s like to have Hoboken in your blood. All of these new comers come into Hoboken critizing true Hobokenites but at the same time they want the same city that made us who we are. What does that say about you? You may think you are better than we are but remember you did not came to Hoboken not because the PATH is 6 minutes from Manhattan but because you wanted to be associated with our style and image. Remember you may be a Hoboken listed on your W2 but you will never have Hoboken in your blood. May 9, 2015 10:03 pm at 10:03 pm Ed TAGSCarmelo GarciaDana Weferdavid melloDawn Zimmerlouis zayas SHARE By John Heinis – December 30, 2014 5:54 pm 4 […] resulted in Garcia filing suit against various current and past members of the HHA, as well as Zimmer and […] Judge denies motion to dismiss, approves RICO charge in Garcia-Zimmer feud – Hudson County View Previous article2014 Feuds of the Year – Number 5: Fulop & Zimmer vs. Chris ChristieNext article2014 Feuds of the Year – Number 4: Felix Roque vs. Count Wiley John Heinis mel b Comments are closed. No one who has moved to Hoboken in the last 15 years wants to be anything like you. You sound incredibly rudeAnd I hate to tell you, no one wants your style or image, they want a short PATH ride November 13, 2015 3:07 pm at 3:07 pm December 31, 2014 7:07 am at 7:07 am This is the trash our taxes pay for. Meanwhile the Mayor proceeds in lawsuits in threatening terms and in the end loses and then blames the justices. RELATED ARTICLESMORE FROM AUTHOR Police: 45-year-old man arrested for attempting to have sex with 15-year-old girl in Secaucus Bayonne man pepper sprayed, arrested after punching cop in the face, authorities say Facebook Twitter Bayonne Crime Ex-North Bergen DPW supervisor loses appeal to overturn corruption conviction Share on Facebook Tweet on Twitter HobokenNews News last_img read more

Postdoctoral Research Associate

first_imgTo apply, visit https://careers.pageuppeople.com/879/cw/en-us/job/503964 Postdoctoral Research AssociateAbout Northeastern:Founded in 1898, Northeastern is a global research university andthe recognized leader in experience-driven lifelong learning. Ourworld-renowned experiential approach empowers our students,faculty, alumni, and partners to create impact far beyond theconfines of discipline, degree, and campus.Our locations—in Boston; Charlotte, North Carolina; London;Portland, Maine; San Francisco; Seattle; Silicon Valley; Toronto;Vancouver; and the Massachusetts communities of Burlington andNahant—are nodes in our growing global university system. Throughthis network, we expand opportunities for flexible,student-centered learning and collaborative, solutions-focusedresearch.Northeastern’s comprehensive array of undergraduate and graduateprograms— in a variety of on-campus and online formats—lead todegrees through the doctorate in nine colleges and schools. Amongthese, we offer more than 195 multi-discipline majors and degreesdesigned to prepare students for purposeful lives andcareers.About the Opportunity:Postdoc positions are available in ceramic, membrane and Energystorage, especially solid state batteries. Openings forpostdoctoral research associates are available in Professor HongliZhu’s group in the department of Mechanical and IndustrialEngineering at Northeastern University (Web site: https://www.sites.google.com/site/honglizhulily/publications).Appointments beginning in the 2021 spring semester arepreferred.Responsibilities:Performs basic or applied research of a limited scope, primarilyusing existing theories and methods. Assists the supervisor in theinterpretation and publication of results and grants. Maintains thelaboratory and may exercise functional supervision over supportingresearch staff. Primary responsibility is ensuring that theresearch is complete.Qualifications:Must have a Ph.D. or equivalent; be able to undertake substantiallyfull-time research or scholarship; work under the supervision of asenior scholar. The candidate should have background in ceramic,ionic exchange membrane and solid state batteries. Preferred Qualifications:N/ASalary Grade:10Additional Information:Northeastern University is an equal opportunity employer, seekingto recruit and support a broadly diverse community of faculty andstaff. Northeastern values and celebrates diversity in all itsforms and strives to foster an inclusive culture built on respectthat affirms inter-group relations and builds cohesion.All qualified applicants are encouraged to apply and will receiveconsideration for employment without regard to race, religion,color, national origin, age, sex, sexual orientation, disabilitystatus, or any other characteristic protected by applicablelaw.To learn more about Northeastern University’s commitment andsupport of diversity and inclusion, please see www.northeastern.edu/diversity.center_img jeid-15db24558fe87e4590f02cd76e611114last_img read more

EU to turn up heat over climate change changeVow to pressure US over climate control

first_imgAlthough the EU and US remain deeply divided over the extent to which countries should be allowed to trade the right to pollute, aides to Environment Commissioner Ritt Bjerregaard say they have detected a shift in American attitudes.Above all, they are increasingly confident that Congress will ratify the White House’s decision to commit itself to the targets for limiting emissions agreed in Kyoto last year – a prospect which seemed unlikely before last week’s conference in Buenos Aires.“You can see the beginning of a change in the American attitude,” said Bjerregaard’s spokesman Peter Jørgenson. “We are quite certain that in a couple of years from now the Americans will ratify this and in the next two climate conferences, we hope to solve all outstanding problems.” In the coming months, the two sides will try to hammer out a compromise setting out the rules under which countries could buy and sell the right to pollute in order to meet gas-reduction targets laid out in the Kyoto protocol.EU officials expect a series of “high-level” talks with their counterparts in Washington between now and the next international climate change conference, which is scheduled to take place late next year.The EU believes governments should meet domestic ceilings for emission reductions before they are allowed to trade the right to pollute. However, the US, which is the world’s largest producer of greenhouse gases, has been pressing for the unrestricted use of “flexible mechanisms” including emissions trading.“The European Union is not against emissions trading but it is not the only game in town,” said Bjerregaard. Instead, she argues that countries should be forced to use more environmentally friendly energy.Environmental policy leaders from 170 countries agreed on a timetable last week for drafting rules on reducing greenhouse gases.They also adopted an action plan calling for the use of technology transfer and other investments to help developing nations meet targets and pledged to devise rules on emissions trading. Green activists say that while some progress was achieved at the Buenos Aires conference, they are disappointed that governments were not able to reach agreement on specific gas-emission reduction targets.“There is a step toward common ground but progress is so slow that it’s worrying,” said Finnish Green MEP Heidi Hautala.“The so-called action plan they have agreed, irrelevant of the 140 points, has nothing binding so it would be better to call it a non-action plan.”Until the Kyoto signatories narrow their differences, industry will be unable to consider exactly how emissions trading could be put into practice.“It is not clear who would be involved,” said Claude Culem, head of economic studies and energy policy at the European Chemical Industry Council.“Under the Kyoto agreement, national governments should engage in trading but, when you seriously think about it, you really need the involvement of business to make it work.”last_img read more

Jason Isbell & The 400 Unit Release Live Album From 2017 Red Rocks Show To Bandcamp [Stream]

first_imgFans are now able to relive Jason Isbell & The 400 Unit‘s September 2017 concert at Colorado’s Red Rocks Amphitheater, as the entire performance has been shared to their Bandcamp for streaming and digital download. Entitled, Live At Red Rocks – Morrison, CO – 9/7/17, the 20-track live album is the latest archive audio to be released to Isbell’s Bandcamp, which includes Live at the CMA Theater released last month.The September 7th, 2017 concert at the famous outdoor amphitheater included performances of “Anxiety”, “Alabama Pines”, “White Man’s World”, “Cumberland Gap”, “Stockholm”, “Cover Me Up”, and “If We Were Vampires” to name a few. Isbell’s band for the evening included his wife and fiddle player Amanda Shires, bassist Jimbo Hart, guitarist Sadler Vaden, drummer Chad Gamble, and pianist/singer Derry de Borja.Related: Jason Isbell And Amanda Shires Trade Covers On ‘I So Lounging’ Stream [Watch]Stream the album’s opening track via the Bandcamp audio player below.Jason Isbell & The 400 Unit – “Anxiety” [Live at Red Rocks] – 9/7/17<a href=”http://jasonisbell.bandcamp.com/album/live-at-red-rocks-morrison-co-9-7-17″>Live at Red Rocks &#8211; Morrison, CO &#8211; 9/7/17 by Jason Isbell and the 400 Unit</a>Visit Isbell’s Bandcamp page to stream or download the entire album here.last_img read more

ND Humor Artists to host ‘100th Anniversary Show’

first_imgPhoto courtesy of Sawyer Williams Members of the Humor Artists of Notre Dame perform at a recent improvisation show. On Friday, current performers will join forces with the alumni of the group to put on the “100th Anniversary Show” in Washington Hall.Given the group’s uncertain establishment date, a 100th Anniversary show seemed like a “logical timeframe” for the group, co-president Henry Long said. However, the group does have a general timeframe of its foundation. “We know that some of the oldest club members performed at Notre Dame before we were born, and many alumni have continued to perform professionally ever since,” Williams said. Long said that the oldest known alum graduated in 1996, and the oldest alumni performing on Friday graduated in 2000. “Through Facebook, we were able to find many Humor Artist alumni, and discovered that several past members of the troupe still carry close relationships with one another,” Long said. On the group’s Facebook page, alumni have shared improvisation ideas, past techniques, sketches and stories from their time at Notre Dame, Williams said. “We realized that online, many alumni had re-formed old relationships, and many have even return to campus together for short visits,” Long said. The Humor Artists decided to create an event to reunite alumni and form connections with current members. “Our show will feature a number of classic improv games that will mix alumni and current members. Some of the alumni are good friends, and some have never met,” Long said. Many Humor Artist alums have remained close friends, including two couples who met through their participation in the group, Williams said. “Through this show, we’ll be able to see members who were best friends in college, who performed in shows together for years, and provide them an opportunity to do this again along with new members who have followed in their footsteps,” Long said. Friday’s show will present both short-form and long-form improvisation with the alumni and current members. “Some of the games we plan to play won’t be familiar to the alumni, because they were invented after their graduation, so the show will definitely be full of surprises,” Long said. Unlike most college improvisation clubs, which remain prominent for about five to ten years, the Humor Artists have maintained their presence on campus for at least 20 years. “We are one of the few college improvisation groups in the country that has carried on its tradition for this many years,” Williams said. The tight knit community and longstanding legacy of the club inspired the anniversary performance.“We are bringing several alumni back for a collaborative show to understand how the club has evolved over the years,” Williams said. Many Humor Artist alumni have become successful in a wide variety of professional fields beyond comedy, Long said. “We have a large number of alumni who are exceeding in both creative and academic fields,” he said. For instance, two alumni are attending Harvard Law and the University of Chicago Law, and many are prominent attorneys, according to Long. Other alumni have become successful researchers, one is an up-and-coming playwright in Los Angeles, and others continue to perform improv with prestigious comedy companies around the nation including 2nd City, Upright Citizens, and Improv Olympics. Currently, the Humor Artists has 34 members, which has been the largest troupe thus far. “We know that over 200 students have been in Humor Artists cumulatively, 70 of which are on the alumni Facebook page. 14 of these alumni are returning for the Anniversary Show,” Long said. Tags: 100th Anniversary Show, Humor Artists, Improv, Washington Hall The Humor Artists of Notre Dame will host their “100th Anniversary Show” Friday in Washington Hall. Humor Artist alumni will participate in the performance, which will be the first show of its kind in the group’s history. “No one has been able to discover the exact year an improvisation group began on Notre Dame’s campus, so we like to assume that the Humor Artists have been a Notre Dame club since the school was first formed,” the group’s co-president Sawyer Williams said.last_img read more

Nederland Police calls, arrests for the week of Dec. 25

first_imgCriminal mischief was reported in the 1100 block of North 20th Information was reported in the 2500 block of Avenue E. Next Up Tuesday, Dec. 26: A complaint was made about indecency with a child in the 2700 block of Avenue N. An arrest was made on another agency’s warrant in the 200 block of 200 North Memorial Highway. An injury to a child was reported in the 700 block of North Ninth Street. Friday, Dec. 29: A theft was reported in the 1700 block of Avenue E. A theft was reported in the 2200 block of Avenue G. Burglary of a habitation was reported in the 600 block of South Ninth Street. A terroristic threat was reported in the 2800 block of Memphis. Burglary of a vehicle was reported in the 600 block of Boston. An arrest was made on another agency’s warrant in the 2600 block of Nederland Avenue. A complainant reported aggravated assault-family violence in the 100 block of North 10th Recovered stolen property was reported in the 2300 block of Avenue H. A theft was reported in the 3000 block of Highway 365. Criminal mischief was reported in the 2600 block of Nederland Avenue. An assault-family violence report was made in the 900 block of Shaw. An arrest was made of a subject for public intoxication in the 100 block of North Twin City Highway. Thursday, Dec.28: A burglary of a building was reported in the 3700 block of South Highway 365.center_img A missing person report was made in the 8100 block of Ford. Sunday, Dec. 31: A subject was taken into custody on a mental commitment in the 400 block of Hardy. The Nederland Police Department reported the following activity for the week of Dec. 25:Monday, Dec. 25: A complaint was made about a dangerous dog at large in the 3000 block of Nashville. Two people were arrested on another agency’s warrant in the 3700 block of Nederland Avenue. Saturday, Dec. 30: An arrest was made on another agency’s warrant in the 1500 block of South Twin City Highway. A death from natural causes was reported in the 1000 block of Avenue B. An aggravated robbery was reported in the 800 block of South 13th Criminal trespass was reported in the 600 block of South Third Street. A forgery report was made in the 2600 block of Nederland Avenue. A burglary of a vehicle and burglary of a habitation was reported in the 1300 block of Kent. A theft was reported in the 200 block of 32nd Wednesday, Dec. 25: A terroristic threat was reported in the 2300 block of Avenue H. An arrest was made on a subject for tamper/fabricate with physical evidence with intent to impair in the 1300 block of Boston Avenue. An arrest was made on Nederland warrants in the 900 block of South 23rd Criminal mischief was reported in the 2600 block of North Highway 69.last_img read more

VHFA report: More and more homes used as short-term rentals

first_imgVermont Business Magazine Until the recent COVID-19 restrictions, the number of Vermont homes used as short-term rentals has ticked up each year, according to a recent analysis by Vermont Housing Finance Agency. In a typical month last year, about 8,000 homes were listed as short-term rentals across the state. Largely located in towns near Vermont ski areas, homes rented for short-term stays comprise about 2.5% of the state’s total housing stock, according to data from AirDNA, a service that aggregates listings from Airbnb, VRBO, and other popular short-term rental companies.Vermont Housing Finance Agency (VHFA) analyzed five years of short-term rental data as part of the 2020-2025 Vermont Housing Needs Assessment.  The assessment was conducted for the Vermont Department of Housing and Community Development who is responsible for the state’s consolidated planning for housing programs.  Most of the data used in the assessment, including information about short-term rentals, is available at the state, county and town level on the Vermont Housing Data website which is updated throughout the year by VHFA.“Knowing how many Vermont homes are available as short-term rentals is critical to identifying changing patterns in property usage and all the factors that impact the housing market,” remarked Josh Hanford, Commissioner of the Vermont Department of Housing and Community Development.  “This assessment and the new online data tools will help us monitor trends and inform our ongoing work to address housing needs throughout the state,” Hanford explained.The number of Vermont homes used in a typical month as short-term rentals increased by 12% between 2018 and 2019.  Short-term renting of entire homes is a relatively recent practice in Vermont.  In 2015, just over 1,000 homes statewide were listed as short-term rentals, according to AirDNA.During the first half of May 2020, industry analysts reported an upturn in short-term rental bookings in large U.S. tourist destinations.  If this pattern also holds true in Vermont, the COVID-19 pandemic is not likely to thwart the increasing popularity of Vermont short-term rentals.Short-term rentals generate substantial economic activity for Vermont, for the hosts of the units, surrounding communities as guests visit shops, restaurants, and other businesses.  On the biggest earning weekends in 2019, Vermont Airbnb hosts earned $15.1 million and served about 69,800 guests, according to paper published by Dartmouth University students earlier this month.“Our assessment revealed that many of the short-term rental homes in Vermont are listed on AirBnB and similar sites only for selected nights each month,” remarked VHFA Executive Director Maura Collins.  This can occur if a homeowner lists a home that is their primary, year-round residence as a short-term rental to tap the home’s earning potential as temporary lodging while the owner is away.  “In these cases, short-term renting is not edging out a year-round renter, because the home is the primary residence of the owner,” Collins explained.In a typical month, an estimated 2,700 Vermont homes are listed as short-term rentals for selected nights, but not for the entire month.“Where we grow concerned is when we see that an owner can rent a home for just five nights before earning more than a landlord can earn in a month, housing Vermont’s workforce,” Collins continued. “We are excited we can now help the state hone in on the potential housing market impacts of short-term rentals,” she said.In 2019, an estimated 5,300 homes, 1.8% of all Vermont homes, were used consistently throughout a typical month as short-term rentals. By comparison, 17% of the state’s housing stock is comprised of seasonal homes, according to Census Bureau estimates as of 2017.  Next to Maine, this is the second-highest rate of seasonal homes in the nation.Despite the growth of Vermont’s stock of seasonal homes, the number of homes occupied by year- round residents has changed very little since 2010, according to the 2020-2025 Vermont Housing Needs Assessment.VHFA is a non-profit agency created in 1974 by the Vermont Legislature to finance and promote affordable housing opportunities for low- and moderate-income Vermonters. Since its inception, the Agency has helped approximately 29,000 Vermont households with affordable mortgages and financed the development of approximately 8,800 affordable rental apartments.Source: BURLINGTON, VT – Vermont Housing Finance Agency 6.9.2020last_img read more