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New Delhi [India], June 13 (ANI): Mumbai and New Delhi are among cities in India that recorded a sharp annual increase in their <keyword id="6354553" type="General" weightage="100" keywordseo="real-estate" source="Orion">real estate</keyword> prices in the first quarter of 2024, according to a report by London-headquartered global property consultancy firm <keyword id="6363605" type="General" weightage="20" keywordseo="Knight-Frank" source="Orion">Knight Frank</keyword>. In case of Bengaluru, the average real estate prices witnessed a modest 4.8 per cent rise in prime residential or luxury homes during the January-March quarter of 2024. According to the report by the property consultant, titled '<keyword id="22041946" type="General" weightage="20" keywordseo="Prime-Global-Cities-Index-Q1-2024" source="Orion">Prime Global Cities Index Q1 2024</keyword>', Mumbai's significant rise on the international index was largely due to the rise in demand in the city. While the demand has been strong for all segments, there has been a rise in the sale of higher value products. Mumbai recorded the third highest year-on-year growth in prime residential prices in Q1-2024, pushing it up the ranking table by three places to 3rd position from its 6th position in Q1-2023. Delhi NCR rose from 17th rank in Q1-2023 to 5th in Q1-2024 with a growth of 10.5 per cent on a yearly basis. However, Bengaluru observed a slight decline in ranking from 16th place in Q1-2024 to 17th rank in Q1-2024, even while it recorded a 4.8 per cent yearly growth in residential prices. India's main cities, notably New Delhi and Mumbai, have witnessed a surge in house prices driven by robust economic growth, with annual GDP growth exceeding 8 per cent in the just concluded financial year 2023-24. Manila, the capital city of Philippines, claimed the top spot in the ranking with a 26.2 per cent annual rise in prices. The growth, as per the Knight Frank report, can be attributed to two key factors: purchasing power, and substantial infrastructure investments within and around the city. Tokyo in Japan jumped 17 places up with 12.5 per cent yearly price growth and ranked 2nd in the index. Despite Japan's overall population decline, Tokyo sustains a net population growth owing to migration from other regions within the country. Shishir Baijal, Chairman and Managing Director at Knight Frank India said, "The strong demand trend for residential properties has been a global phenomenon, led by gateway markets of Asia- Pacific and EMEA (Europe, Middle East, and Africa)." "Like its peers in these regions, the improved rankings of Mumbai and New Delhi on the Prime Global Cities Index was underscored by the resilience in sales growth volume. We expect the momentum of sales to remain stable over the next few quarters as the economic conditions are likely to remain broadly unchanged." The Prime Global Cities Index is a valuation-based index tracking the movement of prime residential prices across 44 cities worldwide. The index tracks nominal prices in local currency.

Mumbai, Delhi record real estate price appreciation in double digits; Ranked 3rd and 5th globally

How many nights have you spent lying awake in torment because you left the windows of your house open after 6 PM and now little mosquitoes were nipping away at your flesh? How many times have you wondered if that big scary mosquito buzzing around you could be carrying dengue, malaria or even the Zika virus? In such circumstances, turning to your trusty mosquito repellant might seem like the only solution — but how safe are they? Honestly, they're usually pretty safe. Vaporizer brands popular in the Indian market, such as <keyword id="23656676" type="General" weightage="20" keywordseo="Good-Knight" source="keywords" meta.keywordsubtype="org" meta.entityname="Good Knight" meta.hostid="261" meta.entityid="Good Knight">Good Knight</keyword>, <keyword id="23656677" type="General" weightage="20" keywordseo="Mortein" source="keywords" meta.keywordsubtype="org" meta.entityname="Mortein" meta.hostid="261" meta.entityid="Mortein">Mortein</keyword> and <keyword id="23656678" type="General" weightage="20" keywordseo="All-Out" source="keywords" meta.keywordsubtype="org" meta.entityname="All Out" meta.hostid="261" meta.entityid="All Out">All Out</keyword>, all contain <keyword id="23656673" type="General" weightage="20" keywordseo="transfluthrin" source="keywords">transfluthrin</keyword>. This is a fast-acting pyrethroid insecticide that is a household insecticide and considered to pose low toxicity to humans and animals. Given how these vaporizers have been around for decades now and are usually quite effective against mosquitoes, many of us don’t think twice before plugging it in and leaving it on for hours at a time. But there’s a little warning that comes with these products’ labels (sometimes in bold) that a lot of us don’t look at: “Doors and windows should be kept open while using”. <h3 style="line-height:1.760016;margin-top:14pt;margin-bottom:4pt;">Why the <keyword id="20736466" type="General" weightage="20" keywordseo="ventilation" source="keywords">ventilation</keyword> is important</h3>While mosquito vaporizers are designed to be safe for short-term use in well-ventilated areas, here’s what can happen in enclosed spaces: <keyword id="23656674" type="General" weightage="20" keywordseo="respiratory-irritation" source="keywords">Respiratory irritation</keyword>: Without proper ventilation, the concentration of chemicals in the air increases, which can lead to irritation of the respiratory tract. Symptoms might include coughing, sneezing, sore throat, and difficulty breathing. People with asthma or other respiratory conditions are at a higher risk of experiencing exacerbated symptoms. <keyword id="20671715" type="General" weightage="20" keywordseo="neurological-symptoms" source="keywords">Neurological symptoms</keyword>: Prolonged inhalation of high concentrations of pyrethroids can lead to dizziness, headaches, nausea, and in severe cases, neurological symptoms such as tremors and seizures. The chemicals affect the nervous system by disrupting sodium channels in nerve cells. Lethargy and nausea: Constant exposure in a confined space can lead to feelings of lethargy, nausea, and general malaise due to the body’s reaction to higher-than-normal levels of these chemicals in the air. Increased risk for sensitive groups: Infants, pregnant women and individuals with compromised immune systems or chronic conditions are particularly vulnerable to these chemicals. Inhaling them in high concentrations can potentially lead to developmental issues in children and more severe reactions in sensitive individuals. Even with ventilation, we would also do well to look for signs of discomfort at the time of using <keyword id="20535795" type="General" weightage="20" keywordseo="mosquito-repellent" source="keywords">mosquito repellent</keyword> vaporizers as some individuals could be allergic or sensitive to the insecticide. So, by all means, use the vaporizer if you deem it necessary. But remember to ensure adequate ventilation and avoid unnecessary use of the product.

Most people miss THIS warning on their mosquito repellent vaporizer’s label

With the last date to file your <keyword id="22335084" type="General" weightage="20" keywordseo="IT-returns" source="keywords">IT returns</keyword> inching closer every passing day, it's time you choose your <keyword id="19901478" type="General" weightage="20" keywordseo="income-tax" source="keywords">income tax</keyword> regime-whether you want to opt for the old one or go for the new regime. But why is it important to make this choice carefully? Under what circumstances can the <keyword id="19935168" type="General" weightage="100" keywordseo="new-tax-regime" source="keywords">new tax regime</keyword> benefit you, and how does it differ from the old <keyword id="20301439" type="General" weightage="20" keywordseo="tax-regime" source="keywords">tax regime</keyword>? Let's find out all about it The new tax regime was introduced in <keyword id="22335085" type="General" weightage="20" keywordseo="Budget-2020" source="keywords">Budget 2020</keyword> as a means to simplify tax calculations and offer concessional tax rates. So, unless you do not categorically opt for the old tax regime, the new tax regime is assumed as default, and hence, your income tax liability is calculated according to it. Also, if you fail to file your taxes till 31st July, you will have to go ahead with the new tax regime, since the option to choose old regime will not be available anymore. <h2> What are the tax rates under the new regime? </h2>Here's a quick snapshot of the applicable tax rates under the new regime: <table style="border-width: initial; border-style: none; table-layout: fixed; width: 468pt;" class="redcator-table-advance"></colgroup><tbody><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Income Slab </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Tax rates under the new tax regime </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Up to Rs 2.5 lakh </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Exempt </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Over Rs. 2.5 lakh to Rs. 3 lakh </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">5% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Over Rs. 3 lakh to Rs. 5 lakh </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">5% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Over Rs. 5 lakh to Rs. 6 lakh </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">20% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Over Rs. 6 lakh to Rs. 9 lakh </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">20% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Over Rs. 9 lakh to Rs. 10 lakh </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">20% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Over Rs. 10 lakh to Rs. 12 lakh </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">30% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Over Rs. 12 lakh to Rs. 15 lakh </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">30% </td></tr><tr><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">Above Rs. 15 lakh </td><td style="border-left:solid #000000 1pt;border-right:solid #000000 1pt;border-bottom:solid #000000 1pt;border-top:solid #000000 1pt;vertical-align:top;padding:5pt 5pt 5pt 5pt;overflow:hidden;overflow-wrap:break-word;">30% </td></tr></tbody><tbody></tbody></table> <h2>What deductions does the new tax regime offer?</h2> Unlike its old counterpart, which had over 70 exemptions and deductions to bring down an individual's taxable income and hence, their tax liability, the new regime does not offer much deductions. Except for a <keyword id="20429578" type="General" weightage="20" keywordseo="standard-deduction" source="keywords">standard deduction</keyword> of Rs 50,000 and deductions for employer's contribution to your <keyword id="19919089" type="General" weightage="20" keywordseo="NPS" source="keywords">NPS</keyword>, there are only a handful of deductions allowed, which include: Transport allowance (if the individual is specially abled) Conveyance allowance (to meet cost of travel and tour) Perquisites for official purposes Interest on home loan paid for a rented property Then, there are specific exemptions with regards to voluntary retirement, leave encashment and gratuity that you can also avail under the old regime. The new regime offers a rebate of Rs 25,000 on income of up to Rs 7,00,000. This means that anyone whose total taxable salary does not exceed Rs 7 lakh annually can claim a rebate of up to Rs 25,000. But remember, you will not be able to avail common exemptions and deductions that are available under the old regime, which include health insurance premiums, investments in tax-saving FDs, ELSS, house rent agreement (HRA), leave travel allowance (<keyword id="20091793" type="General" weightage="20" keywordseo="lta" source="keywords">LTA</keyword>), PPF, EPF and more. So, if you live on rent, or are diligently saving your hard earned money across mutual funds, PPF and more, the new regime will not have much to offer you. <h2>When can new tax regime be better for you? </h2>But in case you do not want excessive deductions from your income, the new tax regime works better for you. It is simple and straightforward, and can work well for those who do not want to face documentation hassles while filing their ITR, since the old regime demands multiple investment proofs. Also, if your income is up to Rs 5,00,000, you can choose the new tax regime, given that the basic exemption limit (income up to which one does not need to pay any taxes) is slightly higher in new regime at Rs 3,00,000, as compared to Rs 2.5 lakh in old regime. Experts also note that if the total of all your deductions does not exceed Rs 1.5 lakh, new regime could be better for you. However, do not make this decision simply by looking at low tax rates. Assess your outflows and then the deductions and exemptions you are eligible under both the regimes. It is a good idea to also compare your income under both the regimes using IT department's tax calculator. Only then, take a final call.

All you need to know about the new tax regime

It may not feel like it yet, but the housing market's <a target="_blank" href="https://www.businessinsider.com/housing-market-ice-age-higher-home-prices-fewer-sales-inventory-2023-5">Ice Age</a> is finally thawing.Would-be buyers and sellers have found themselves stuck over the past couple of years. For-sale signs stood frozen in front yards as home shoppers balked at prices. Wild swings in mortgage rates discouraged almost everyone from venturing out into the market. Many <a target="_blank" href="https://www.businessinsider.com/economy-housing-market-mortgage-buying-car-interest-rates-new-jobs-2024-3">felt as if they had no option but to stay put</a>. But when I talk to housing experts these days, they speak cautiously of a shift in the weather, a warming in store for American real estate.Green shoots are popping up everywhere. The typical borrowing rate for a 30-year home loan is near the lowest it's been in two years, which could nudge more sellers to emerge from hibernation. The pool of available homes on the market is larger than at any point since the early days of the COVID-19 pandemic. While the median home price nationwide is up by 3% to 5% compared with a year ago, that's actually within the range that economists typically look for in a well-balanced market. If things keep trending this way, we should expect to see this coming spring, the time of year when transactions typically pick up, that more people are ready to get moving again.Would this mean we're back to normal? Definitely not. Things may be more stable than they were during the peak of the home-trading frenzy or the depths of the slowdown, but that doesn't mean the housing market's problems are solved. It'll be hard for both buyers and sellers to shake off the pessimism of the past few years, especially when budgets are stretched so thin and home prices remain so high. That reality shouldn't obscure the encouraging signals, though. As I wrote earlier this year, a <a target="_blank" href="https://www.businessinsider.com/denmark-mortgage-rates-lock-in-effect-home-buying-selling-easier-2024-5">gummed-up housing market</a> — the Ice Age I was talking about — is good for nobody. In half a year's time, we may be looking at a healthier one.There's a tendency to look at housing in binary terms: Is it a better time to be a seller or a buyer? But a lot of people fall into both camps; most sellers have to turn around and purchase another home to live in. Recently, this fact of life has created what Skylar Olsen, Zillow's chief economist, calls the "musical chairs" problem: People can't jump up and find a new home if their neighbors aren't making similar moves, so everyone's stuck in their seats.A big reason Americans find themselves trapped in place is what's known as the "lock-in effect." When mortgage rates hit multidecade lows during the pandemic, millions of people were able to snag or refinance their way into cheaper monthly costs. But starting in the spring of 2022, the rate for a typical mortgage soared, more than doubling from those pandemic-era lows. While it's come down from a two-decade peak last October, the prevailing loan terms are still about twice as expensive as they were back in 2021, which means a buyer could have to pay hundreds of dollars more each month toward interest than they would have a few years ago. A lot of people don't want to give up a good deal, so they don't make a change unless they absolutely have to. One paper from the Federal Housing Finance Agency suggested that the lock-in effect prevented a whopping 1.3 million home sales between mid-2022 and the end of 2023. A mere 2.5% of America's housing stock traded hands in the first eight months this year, according to Redfin, the lowest rate in at least three decades and 31% lower than in 2019.The recent drop in the typical rate for a 30-year loan — from about 7.2% in early May to 6.1% in early October — won't erase the lock-in effect, but it's an encouraging sign for buyers who have been grasping for anything that could ease the burden on their wallets. Even after a <a target="_blank" class="" href="https://www.businessinsider.com/mortgage-rate-increase-since-federal-reserve-cut-interest-rates-housing-2024-10">uptick in the last few days</a> following the unexpectedly strong jobs report, more interest-rate cuts from the Federal Reserve, which signaled last month that it was <a target="_blank" href="https://www.businessinsider.com/fed-rate-cut-explained-inflation-labor-market-conditions-outlook-recession-2024-9">turning its focus away from battling inflation</a>, could further bring down mortgage rates, <a target="_blank" href="https://www.businessinsider.com/personal-finance/mortgages/how-does-fed-impact-mortgage-rates">though there's not a direct connection between the two</a>. Fannie Mae, for instance, predicts the rate for a typical home loan could end next year at 5.7%. That'd be within spitting distance of what the experts at John Burns Research and Consulting, a housing-research firm, call the "magic mortgage rate." Among homeowners and renters who said they planned to use a mortgage to purchase their next home, 47% told the firm in September that they'd be willing to sign up for a rate between 5% and 5.49%. Even if rates continue their downward trajectory, changes in mortgage payments typically take about six months to show up in home-sales activity, Ralph McLaughlin, a senior economist at Realtor.com, told me. So movement now could set the stage for a stronger uptick in sales next spring. Fannie Mae has also predicted that the total number of sales will be up by 10% in 2025 compared with this year, with most of that increase coming in the second half of the year.<div type="image" title="house for sale sign" height="1414" width="2121" msid="114076822" hostid="261" sizebytes="84578"></div>While mortgage-rate movement can be a helpful guide for future activity, to get a full picture of what's actually happening in the real-estate market, you need to look at two data points: inventory, or the number of available homes on the market, and new listings, or the number of homes hitting the market. Olsen, the Zillow economist, likens inventory to a swimming pool and new listings to the spigot that keeps water flowing — as with any pool, too full or too empty is a problem. A balanced market is one in which there are enough new homes to meet the demand from buyers, but not so many that prices plummet. We're still a long way from refilling the pool of homes on the market: Inventory in September was down by about 23% from pre-pandemic levels, according to Realtor.com. But there is clear improvement taking place here, too. The number of active listings in September was up by 34% from the same month a year ago, increasing to its highest level since April 2020. The number of homes newly listed for sale in September was also up by 11.6% from last year. By slowing down home sales, higher rates have given inventory time to build back up from pandemic lows — homes are lingering on the market longer with fewer buyers, so the pool's water level has steadily climbed.More homes to choose from, lower mortgage rates — that's a "powerful combination," said Lawrence Yun, the National Association of Realtors' chief economist, adding that sales should move higher in the coming months as a result. Buyers can take heart in another data point, which is that far fewer homes are being snapped up as soon as they hit the market. According to the housing-data firm Altos Research, there were about half as many "immediate sales" in late September as there were in 2022. "It looks like that frenzy is finally gone," Altos' president, Mike Simonsen, said in a recent video update. The baseline expectation for the spring, the Redfin economist Chen Zhao told me, is a modest uptick in sales and new listings. Most economists don't expect mortgage rates to fall dramatically, meaning sellers will slowly start to reenter the market as they decide it's time to make a change. New listings this year increased by about 5% a month on average compared with the same months in 2023 — you might expect to see that climb a little next year, Zhao told me, to maybe 10% year-over-year growth. The total number of homes on the market each month tended to be about 10% or 15% higher than last year, but you might see that rise to 20% or 25% when you compare 2025 with this year. This is the housing's version of a soft landing; there won't be dancing in the streets, but it would be a marked improvement from the past couple of years."Even though the housing market is recovering, the recovery is going to be very slow," Zhao told me. "We're not going to see anything like the activity that we saw in 2021 or 2020 — or even 2019, 2018 — for a while."Still, if buyers are feeling better about their prospects, that should grease the wheels of America's housing market.It is important to note that forecasts are just forecasts. There's a lot that could change in the next year. The <a target="_blank" href="https://www.businessinsider.com/hiring-slump-professional-white-collar-jobs-recession-high-salary-2024-4">strength of the job market</a> is a big question mark — people won't move if they don't feel sure about their next paycheck. There are huge regional differences to consider here, too. Builders have finished a lot more new housing in Sun Belt states in the lower half of the US, for example, which has made it harder for homeowners there to sell at their desired prices than for their counterparts in the Midwest or the Northeast. Affordability is still a huge pain point. An August survey by Fannie Mae suggested consumers were feeling remarkably optimistic about the future of mortgage rates, but only 17% of respondents said it was a good time to buy a home. Any one of these issues could chill the market and slow America's exit from the Ice Age.That said, it's impossible to ignore the signs of a shift underway. Mortgage rates are a key piece of the equation. I'll also be keeping a close eye on inventory and the pace of new listings hitting the market, which should heat back up starting around February and March. But all this focus on the numbers can obscure the simple fact that people have to move for all kinds of reasons that have nothing to do with a few digits and a percent sign.I recently spoke with Mark Palim, the chief economist at Fannie Mae, who left me with a salient piece of advice: "Leave timing the bond market to the hedge-fund guys." In other words, trying to predict mortgage rates — and buying or selling a home accordingly — is a fool's errand. Budgets matter, absolutely, and monthly payments are a crucial consideration for any buyer. But buyers and sellers should remember that their home isn't just an investment vehicle or a bet on where the economy is headed. At the end of the day, you have to live in it."All sorts of things can happen," Palim told me. "Rates may move. Home prices may go up, home prices may go down. But would you be happy living there for a while? Does it meet your needs?"<a target="_blank" rel="" href="https://www.businessinsider.com/author/james-rodriguez">James Rodriguez</a> is a senior reporter on Business Insider's Discourse team.

The Housing Ice Age is thawing

An essential guide to all the Targaryen kids on 'House of the Dragon'

Get ready, cinephiles! <keyword id="21272693" type="General" weightage="20" keywordseo="Payal-Kapadia" source="keywords">Payal Kapadia</keyword>'s groundbreaking film "<keyword id="21282411" type="General" weightage="100" keywordseo="All-We-Imagine-As-Light" source="keywords">All We Imagine As Light</keyword>," which made history as the first Indian film to win the Grand Prix award at the <keyword id="20668911" type="General" weightage="20" keywordseo="cannes" source="keywords">Cannes</keyword> <keyword id="20055573" type="General" weightage="20" keywordseo="film-festival" source="keywords">Film Festival</keyword>, is hitting theaters across India on November 22. This momentous announcement was made by the filmmaker during a press conference, bringing the excitement of international cinema right to Indian audiences. “This film has been years in the making, and with our partnership with <keyword id="23405698" type="General" weightage="20" keywordseo="Spirit-Media" source="keywords" meta.keywordsubtype="org" meta.entityname="Spirit Media" meta.hostid="261" meta.entityid="Spirit Media">Spirit Media</keyword>, I am incredibly excited for the next phase,” she expressed. “For the first time, a film of mine will be released in theaters, and Indian audiences will finally be able to buy tickets and experience it on a big screen, where cinema truly comes to life.” "All We Imagine As Light" first graced select theaters in Kerala in September before its successful run in France and Italy. Next up, the film is set to delight audiences in the UK and the US next month. The story revolves around Prabha, a nurse whose life is turned upside down by an unexpected gift from her long-estranged husband. Meanwhile, her younger roommate Anu is on a quest for privacy in the bustling city as she navigates her relationship with her boyfriend. The plot thickens when the two friends embark on a road trip to a beach town, where a mystical forest becomes a backdrop for their dreams to manifest. The film features an impressive cast, including Kani Kusruti, Divya Prabha, and Chhaya Kadam. It is an official <keyword id="23405702" type="General" weightage="20" keywordseo="Indo-French-co-production" source="keywords">Indo-French co-production</keyword>, brought to life by French company Petit Chaos and Indian production houses Chalk &amp; Cheese and Another Birth. Rana Daggubati, co-founder of Spirit Media, expressed his enthusiasm for the film, stating, “At Spirit Media, we are committed to bringing unique and meaningful stories to audiences across the country. Payal has made a beautiful film, and we can't wait to share it with Indian audiences.” “All We Imagine As Light” will be available in major cities like Mumbai, Delhi, Chennai, Bengaluru, Hyderabad, Pune, Kochi, Thiruvananthapuram, and Kolkata. So, mark your calendars for November 22, grab your friends, and get ready to witness the magic of this Cannes-winning film on the big screen. With its compelling narrative and stunning visuals, "All We Imagine As Light" promises to be an unforgettable cinematic experience that invites audiences to dream, reflect, and immerse themselves in the world Kapadia has crafted. Don’t miss out! (With inputs from agencies)

Cannes winner Payal Kapadia’s 'All We Imagine As Light' set for theatrical release on November 22 in all major Indian cities

Here are all of the dragons in 'House of the Dragon' and who they belong to

<ul class="summary-list"><li><keyword id="20348245" type="General" weightage="20" keywordseo="zach" source="keywords">Zach</keyword> and Annie moved their family from <keyword id="19916114" type="General" weightage="20" keywordseo="california" source="keywords">California</keyword> to <keyword id="20109210" type="General" weightage="20" keywordseo="scotland" source="keywords">Scotland</keyword> for a simpler life.</li><li>The couple, who have three young kids, loved California but felt that it was too fast-paced.</li></ul>Zach, 38, and Annie, 37, packed up their lives and moved their family from the US to <a target="_blank" class="" href="https://www.businessinsider.com/tiny-home-renovation-old-abandoned-cottage-scotland-before-after-photos-2022-7">Scotland</a> earlier this year. They had been living in <a target="_blank" class="" href="https://www.businessinsider.com/people-stunned-price-of-palo-alto-california-home-for-sale-2024-5">California</a>, where Zach — who was originally from Scotland — was working with the highway patrol. Because of his job, the couple and their three kids had to move frequently throughout the state. Although they had a chance to live in places such as Sonoma County and around <keyword id="19915272" type="General" weightage="20" keywordseo="silicon-valley" source="keywords">Silicon Valley</keyword>, life always felt "<a target="_blank" class="" href="https://www.businessinsider.com/reasons-i-left-silicon-valley-california-after-two-years-2023-12">extremely fast-paced</a>," Annie, who works in healthcare, told Business Insider. "Life just seemed to be work — or school for the kids — a little break and then repeat. It seemed hard to fit in a lot of quality family time or fun little adventures," Zach told BI. <div type="image" title="A man and a woman posing for a selfie." height="1600" width="1185" msid="113889827" hostid="261"></div>The couple, whose children — two sons and one daughter — are below 10, asked to be identified by only their first names to protect their privacy. They wanted to live a simpler life with their kids, away from the rat race and the pressure to constantly <a target="_blank" class="" href="https://www.businessinsider.com/millionaire-investing-saving-spending-financial-independence-retire-early-fire-2024-9">keep up with the Joneses.</a> Annie had always wanted to live in Scotland, and late last year — after a decade of living in California — it finally seemed like the right time for their family to seriously consider taking the plunge. <h2>Preparing for the move</h2>In a way, the move felt like it had been 10 years in the making. "Ever since I met Zach, I've wanted to live in Scotland. It's just been me slowly wearing him down and trying to get him to come back," Annie said. The timing for their move was right, in part because their kids were still young. "We knew if we were ever going to make the move, we had to move before our kids established true friend groups and got too far in their academics to where that transition would be difficult," Annie said. The couple knew they wanted to be in the East Lothian area just outside Edinburgh because it was near where Zach grew up. It was also a place that their kids were familiar with. "We made an effort pretty much every year, apart from during COVID-19, to travel back to Scotland," Zach said. Familiarity aside, their kids were also excited by the move because they'd made plenty of good memories on their past visits. <div type="image" title="A wooden front door of a cottage." height="4284" width="5712" msid="113889818" hostid="261"></div>"They love <a target="_blank" class="" href="https://www.businessinsider.com/how-i-bought-my-first-house-22-2024-3">Scotland</a> because they've been here so many times, and every time they come over they think it's magic because their grandparents spoil them and take them to all of the best places," Annie said. "So when we said that we were moving to Scotland, they were all for it for the most part." While Zach and their kids had UK passports, Annie had to apply for a spousal visa, which she said took about two months to be approved. Then came the exciting part: looking for a <keyword id="7173" type="General" weightage="20" keywordseo="house" source="Orion">house</keyword>. Thankfully, the process wasn't too hard, even though they were still living in California at the time. <div type="image" title="Zach and Annie moved from California to Scotland with their three young kids." height="4284" width="5712" msid="113889826" hostid="261"></div>"Annie's hobby is looking at houses all around the world, she's constantly browsing for fun," Zach said. When the listing for a cozy three-bedroom house came up, the couple jumped on the opportunity. "When it popped up, I thought it was ridiculously underpriced," Annie said. "It was actually the only house that Zach's parents went and toured for us." At Zach's parents' encouragement, the couple decided to put in an offer for the house and ended up getting it. <div type="image" title="A cabinet in the corner of a living room." height="5712" width="4284" msid="113889825" hostid="261"></div>They preferred to keep the exact amount private but said they paid about 15% more than the original asking price of about £200,000, or about $265,000. "Budget-wise, our goal was always to try to not have this huge mortgage hanging over our head. It was something we felt we had in the States, especially in California, where house prices are crazy," Zach said. <h2>Getting settled into their home</h2>Zack and Annie are part of a wave of California residents who are choosing to leave the state. Between 2021 and 2022, 817,669 people left California — making it the <a target="_blank" class="" href="https://www.businessinsider.com/top-states-americans-are-moving-to-florida-texas-california-2023-10">US state with the most people moving out</a>. Several former residents that BI previously spoke to said rising crime rates and the high cost of living were factors in their decision to <a target="_blank" class="" href="https://www.businessinsider.com/reasons-why-californians-are-leaving-the-state">leave California</a>. <div type="image" title="The dining area and kitchen." height="4284" width="5712" msid="113889828" hostid="261"></div>Zack and Annie closed on the house in February, but only arrived in Scotland with their kids in May. Since the couple bought their house without viewing it in person, they were a little concerned that it would feel too small for their family of five. "We just moved from a pretty large four-bedroom house that's at least 2,000 square feet in the States to about 950 square feet in Scotland," Annie said. "That's a big change. But when we walked in, the rooms were all really nicely sized, and they just felt right." They spent about two months renovating the place while living with Zach's parents. It wasn't until late July that they finally moved into their new house. <div type="image" title="The dining area." height="1562" width="1179" msid="113889823" hostid="261"></div>"The kids never saw the house unfinished. The moment they stepped in the door, their room was decorated and they had their beds set up with all their toys on it," Annie said. "They walk in and they think everything's beautiful when we actually shed blood, sweat, and tears trying to make it a home, but it was definitely worth it." It's also really easy for the family to get around their neighborhood on foot. The main street of their town — where there are cafés, shops, and a grocery store — is only a 10-minute walk away, Annie said. "We have trails just outside our doorstep where the kids can go explore. There are beaches not too far away," she said, adding that there's no need for a car unless they're driving the kids to their grandparents' place. <div type="image" title="The bathroom." height="4032" width="3024" msid="113889821" hostid="261"></div>"It's a process to get every child loaded up in a car, so we wanted to reduce that as much as possible. And now we just walk to everything we do, and I feel we're healthier for it," she said. If they're ever feeling up for a small adventure, they can easily drive 20 minutes to the various small towns around them, Zach said. "Whereas in the States, if we wanted to go do something different or outside our little area, it's probably a 45-minute drive and then it becomes more of a day trip," he said. <h2>A simple life</h2>The couple says that life in Scotland is simpler — which is exactly what they were looking for. Even though they've only been here for a few months, the couple says they feel more content with life in Scotland — so much so that they even started a <a target="_blank" class="" href="https://www.youtube.com/@SimpleScottishLiving">YouTube channel</a> documenting their adventures in the country. <div type="image" title="A man and a woman gaze lovingly at each other in front of a stone building." height="632" width="843" msid="113889829" hostid="261"></div>Although the couple enjoyed living in the US, life in Scotland reminded them of their own childhoods. "Seeing what the children could get by being over here was sort of nostalgic. It brought us back to the '90s childhood we had," Annie said. "You go out and play until the streetlights turn on, and we just felt this sense of peace and safety in Scotland." Have you recently built or renovated your dream home? If you've got a story to share, get in touch with me at <a target="_blank" href="mailto:agoh@businessinsider.com">agoh@businessinsider.com</a>. Correction: An earlier version of this story misstated the converted dollar amount of the home's asking price. It was about $265,000, not $340,000.

A California family of 5 found a house in Scotland listed for under $270,000. The catch: It was half the size of their old place.

Here are all the dragonriders who might appear in 'House of the Dragon' season 2

As Earth travels through space, it occasionally encounters <keyword id="20579919" type="General" weightage="20" keywordseo="near-Earth-objects" source="keywords">near-Earth objects</keyword> (NEOs), including <keyword id="20578027" type="General" weightage="100" keywordseo="asteroids" source="keywords">asteroids</keyword>, which spark both curiosity and concern. <keyword id="19935155" type="General" weightage="20" keywordseo="NASA" source="keywords" meta.keywordsubtype="org" meta.entityname="NASA" meta.hostid="261" meta.entityid="NASA">NASA</keyword>’s <keyword id="20235549" type="General" weightage="20" keywordseo="Jet-Propulsion-Laboratory" source="keywords" meta.keywordsubtype="org" meta.entityname="Jet Propulsion Laboratory" meta.hostid="261" meta.entityid="Jet Propulsion Laboratory">Jet Propulsion Laboratory</keyword> (JPL) monitors these objects closely, tracking their trajectories, sizes, and closest approaches. Here’s a look at some of the upcoming asteroids and whether they pose any danger to our planet. <h2>Upcoming asteroids near Earth</h2>On October 3, 2024, several asteroids will make close approaches to Earth: <ul><li>Asteroid 2024 TE: Approximately the size of a bus (41 feet), it will pass Earth at a distance of 13 lakh km, which is more than three times the distance between the Earth and the Moon.</li><li>Asteroid 2024 SD3: Slightly larger than an aeroplane (68 feet), it will come within 14.8 lakh km.</li><li>Asteroid 2024 SR4: Comparable in size to a house (51 feet), this object will pass at a distance of 26.8 km.</li><li>Asteroid 2024 TM: Also house-sized (48 feet), it will fly by at a more distant 47.1 lakh km</li><li>Asteroid 2024 TF: Smallest of the group, about the size of a car (17 feet), it will come closest at 2.9 lakh km, just under the distance to the Moon, on October 4.</li></ul><h2>How dangerous are these asteroids?</h2>Though the proximity of these asteroids to Earth might seem alarming, none pose a direct threat. Asteroids that approach Earth within 74 lakh km are monitored, but danger only arises from objects larger than 150 metres in diameter, and none of the upcoming asteroids meet this size threshold. <div type="Article" hostid="261" msid="113820700" title="Mini-moons like the one Earth just captured could be huge business opportunities" mstype="2" mssubtype="0"></div>The closest object, 2024 TF, will pass at 9 lakh km, which is still far enough to avoid any risk. Its small size also means that even if it were on a collision course, it would likely disintegrate upon entering Earth’s atmosphere. Objects of this size tend to burn up due to the intense frictional forces they experience when entering our atmosphere, posing little to no danger on the surface. In rare cases, fragments might survive the atmospheric burn and reach the surface, as happened in the 2013 Chelyabinsk meteor event in Russia. Even in that case, the object, roughly 60 feet wide, caused minimal damage despite its impressive light and shockwave effects. <h2>The broader picture of asteroid hazards</h2>While the upcoming asteroids are relatively small and distant, scientists are ever-vigilant when it comes to larger NEOs. NASA defines any asteroid larger than 150 metres that comes within 74 lakh km of Earth as a “potentially hazardous object.” However, such events are rare, and extensive tracking systems ensure that scientists have advance notice of any significant threats. <div type="Article" hostid="261" msid="113609770" title="Earth is about to get a 2nd moon, for 57 days only. Here&amp;#39;s what you need to know." mstype="2" mssubtype="0"></div>The key to mitigating asteroid risk is early detection and ongoing observation. Projects like NASA’s <keyword id="23414716" type="General" weightage="20" keywordseo="Double-Asteroid-Redirection-Test" source="keywords">Double Asteroid Redirection Test</keyword> (DART) mission, which aims to alter the trajectory of an asteroid by direct impact, are part of broader efforts to defend Earth from potential collisions. Though the asteroids on JPL’s radar now pose no danger, these advancements ensure that humanity remains prepared for larger and closer objects in the future. For those interested in tracking these asteroids and learning more, NASA’s Asteroid Watch provides real-time updates on upcoming approaches and ongoing research into NEOs. You can visit<a href="https://www.jpl.nasa.gov/asteroid-watch/next-five-approaches/"> Asteroid Watch</a> for more details on the objects coming our way soon.

4 asteroids — including one plane sized and two house sized objects — to approach the Earth today, NASA warns: here’s all we know

<ul class="summary-list"><li>High housing costs, driven in large part by a shortage of homes, are keeping inflation sticky.</li><li>Trump has pledged to lower housing costs.</li></ul>Housing costs were responsible for about 2/3 of <a target="_blank" class="" href="https://www.businessinsider.com/inflation-october-cpi-consumer-price-index-federal-reserve-interest-rates-2024-11">overall inflation</a> over the past year.President-elect Donald Trump has promised to lower those costs, and economists think some of his policy proposals could do just that. The most promising are cutting federal regulations on construction, opening up federal land for housing, and lowering energy costs.However, his proposals to increase tariffs, deport millions of immigrants, and cut housing assistance could increase home prices and rents. The inflationary effects of these policies could prevent the Federal Reserve from <a target="_blank" class="" href="https://www.businessinsider.com/fed-rate-cuts-uncertainty-trump-presidency-inflation-tariffs-2024-11">continuing to cut interest rates</a>.Ultimately, housing policy experts and industry leaders say housing costs will largely depend on how much new supply can be delivered to the market, which is suffering from a <a target="_blank" class="" href="https://zillow.mediaroom.com/2024-06-18-The-U-S-is-now-short-4-5-million-homes-as-the-housing-deficit-grows">severe shortage of homes</a>.Karoline Leavitt, a spokesperson for the Trump-Vance transition team, told Business Insider in a statement that Trump "will deliver" on "lowering housing costs for all Americans."Here are the major Trump proposals and how they're expected to affect housing costs.<h2 id="83e6f785-033e-42e0-9de6-8470b9cef43d">Regulations</h2>Trump has <a target="_blank" class="" href="https://singjupost.com/full-transcript-trump-speaks-at-the-economic-club-of-new-york/?singlepage=1">promised</a> to reduce federal regulations that make home building more costly "with the goal of cutting the cost of a new home in half," he said.When it comes to housing, state and local governments <a target="_blank" class="" href="https://www.businessinsider.com/america-build-like-tokyo-housing-crisis-doom-loop-2023-10">control the majority of regulations</a> that most inflate housing costs by limiting or slowing down construction. But federal regulations also play a role. Jim Tobin, CEO of the National Association of Home Builders, told Business Insider that he'd like Trump to roll back some of the Biden administration's energy efficiency requirements, streamline regulations under the Clean Water Act, and loosen a requirement that Federal Housing Administration borrowers' homes be up to code.But Trump hasn't always favored cutting regulations to encourage more development. During his first term, he rescinded <a target="_blank" class="" href="https://www.nytimes.com/2020/07/23/us/politics/trump-housing-discrimination-suburbs.html">an Obama-era</a> rule designed to reduce racial segregation and said he would <a target="_blank" class="" href="https://www.politico.com/news/2020/07/29/trump-housing-policy-low-income-suburbs-386414">protect the suburbs</a> from low-income housing by allowing them to maintain strict local zoning laws. Experts say that if Trump continues to protect single-family zoning, that would further limit construction."We need all options on the table when it comes to increasing housing supply, which means allowing more density in suburbs or cities to allow more units to be produced," Tobin said.<h2 id="433280bd-da72-477a-a5b0-a9fb98993d77">Building on federal land</h2>Last year, Trump rolled out a plan to build up to <a target="_blank" class="" href="https://www.businessinsider.com/trump-freedom-cities-build-housing-conservatives-scoff-at-leftist-plan-2023-3">10 "freedom cities"</a> on federal land, featuring plentiful single-family homes. Since then, the president-elect has said his second administration would create "ultra-low tax and ultra-low regulation" zones on federal land for "large-scale housing construction."There's some bipartisan support for building homes on federal land, and housing experts say the proposal has the potential to increase the housing supply, particularly in Western states like Nevada, Arizona, and Utah, which have large tracts of federally owned land."Building towards affordable housing on these lands could have a transformative impact, especially because land costs are a major barrier," Maurice Page, executive director of the nonpartisan Nevada Housing Coalition, <a target="_blank" class="" href="https://www.businessinsider.com/homes-free-government-land-real-estate-housing-prices-harris-trump-2024-8">recently told Business Insider</a>.<h2 id="3071e368-bbc9-4dcc-9220-fad6b12c7c9f">Energy costs</h2>Vice President-elect JD Vance <a target="_blank" class="" href="https://www.youtube.com/watch?v=9pPCCh_t4h8">has promised</a> that the Trump administration would boost home building in part by drilling for more oil and making energy cheaper. Construction industry experts and economists say lower energy costs wouldn't hurt affordability but likely <a target="_blank" class="" href="https://www.businessinsider.com/jd-vance-drilling-oil-housing-rent-home-prices-construction-2024-10">wouldn't significantly increase construction or bring housing costs down</a>."Energy prices are significant, but they're not as significant as many other inputs," Anirban Basu, chief economist at the construction industry trade group Associated Builders and Contractors, recently told Business Insider.<h2 id="0aab8f5a-24a4-4d4b-af03-aa4d6c484f8b">Interest rates</h2>Trump has repeatedly said that his administration would tame inflation and, therefore, lower interest rates. During <a target="_blank" class="" href="https://singjupost.com/full-transcript-trump-speaks-at-the-economic-club-of-new-york/?singlepage=1">a speech</a> at the Economic Club of New York in September he said he'd bring mortgage interest rates down to 3% or lower. His say over rates is limited; the Federal Reserve controls interest rates and operates <a target="_blank" class="" href="https://www.nytimes.com/2024/08/01/business/economy/trump-interest-rates-fed.html">independently of the president</a>.Tobin said he expects mortgage rates will settle into a "new normal" of about 5 to 5.5% by 2026, lower than the <a target="_blank" class="" href="https://www.reuters.com/markets/us/us-30-year-fixed-rate-mortgage-rise-four-month-high-679-2024-11-07/">current 30-year fixed rate of 6.79%</a> but above the prepandemic average. "It's going to be a bumpy ride down," he added, noting that mortgage rates <a target="_blank" class="" href="https://www.nytimes.com/2024/11/11/business/economy/mortgage-rates-trump-inflation.html">recently rose</a> to a four-month high even as the Federal Reserve cut its benchmark interest rates.Many economists say that Trump's proposals to cut taxes, impose significant new tariffs on imports, and deport millions of immigrants <a target="_blank" href="https://www.businessinsider.com/donald-trump-election-win-high-inflation-risk-tariffs-deportations-taxes-2024-11">would have an inflationary effect</a> and discourage the Federal Reserve — <a target="_blank" href="https://www.businessinsider.com/trump-inflation-interest-rates-fed-rate-cuts-fomc-meeting-outlook-2024-11">whose independence</a> Trump has threatened — from further cutting rates.When it comes to housing costs, <a target="_blank" class="" href="https://www.businessinsider.com/buying-home-not-easier-interest-rate-cuts-prices-rent-crisis-2024-8">many economists say</a> that even if mortgage rates come down, that could spur additional demand for housing, sending prices further up.<h2 id="4cba3ba3-082c-4c85-9e1e-0317e4daa343">Tariffs</h2>Trump <a target="_blank" class="" href="https://www.nytimes.com/2024/09/10/us/politics/trump-enthusiasm-tariffs.html">campaigned</a> on imposing a 60% tax on products from China and 10 to 20% tariffs on most other foreign goods. These include key building materials like lumber and steel, which make up a significant portion of the cost of building a home. Tariffs would also impact the prices of other materials and finished products, like air conditioning units and garage doors.Biden has kept some of those tariffs in place and even <a target="_blank" class="" href="https://www.npr.org/sections/money/2021/12/07/1061329725/why-is-the-biden-administration-increasing-the-cost-of-building-houses">raised taxes on Canadian softwood lumber</a>, which is crucial to the US home-building industry. Expanding the tariffs further would likely drive up building costs."If there are huge tariffs getting thrown around, that really hurts home builders," Ben Metcalf, a housing policy expert at UC Berkeley, told Business Insider. "those could be huge drags on cost and therefore on supply."<h2 id="3fbffb09-3764-4c37-b965-c4165bd9b487">Mass deportations</h2>Trump and Vance have repeatedly argued that their plans to deport millions of immigrants will alleviate housing affordability issues by lowering demand.But many <a target="_blank" class="" href="https://www.businessinsider.com/jd-vance-said-migrants-to-blame-for-expensive-homes-wrong-2024-8">economists</a> <a target="_blank" class="" href="https://www.nytimes.com/2024/10/11/business/economy/trump-housing-crisis-deportations.html">disagree</a> and posit that mass deportations would actually inflate housing costs. The construction industry is already short around <a target="_blank" class="" href="https://www.businessinsider.com/housing-crisis-national-shortage-construction-workers-job-demand-2024-5">500,000 workers</a>, and a further reduction in the labor force would <a target="_blank" class="" href="https://www.businessinsider.com/trump-deportations-immigration-homebuilders-remove-construction-workers-spike-costs-2024-11">slow down construction and inflate prices even more</a>. Immigrants are a key part of building housing as they make up <a target="_blank" class="" href="https://eyeonhousing.org/2023/12/immigrant-share-in-construction-highest-on-record/">about a quarter</a> of the construction workforce. An <a target="_blank" rel=" nofollow" class="" href="https://www.constructiondive.com/news/construction-workers-undocumented-presidential-election/729556/#:~:text=Immigrants%20entering%20the%20country%20illegally,all%20workers%20in%20construction%20jobs.">estimated 15 to 23%</a> of that overall workforce are undocumented immigrants."Just even the talk of mass deportations could send a chill through the entire immigrant employment sector," Tobin said. "Anything that constricts labor in the country will have an impact on us meeting those housing goals over the next few years."<h2 id="f3107caf-cafa-4d60-ad2b-15ff8c5770a5">Federal housing assistance</h2>During his first term, Trump repeatedly proposed major cuts to housing assistance for households with low incomes or members with disabilities. In <a target="_blank" class="" href="https://www.brookings.edu/articles/trump-administration-budgets-and-programs-for-people-of-limited-means/#housing-and-rental-assistance">each of his annual budgets</a>, he proposed stripping funding from many rental and homeownership assistance programs, including significantly cutting back on housing vouchers and <a target="_blank" class="" href="https://www.washingtonpost.com/news/wonk/wp/2018/04/25/hud-secretary-ben-carson-to-propose-raising-rent-for-low-income-americans-receiving-federal-housing-subsidies/">raising rent on low-income households</a> that receive federal aid.All of Trump's budgets also proposed dramatically cutting federal funding for programs that help build and renovate affordable housing. While Congress didn't approve those cuts, policy experts expect the next Trump administration to pursue the same goals. This would make it harder for lower-income Americans to afford homes and slow down affordable housing construction."I just don't think there's any interest by Trump or by a Republican Congress in investing in certain traditional HUD programs and investments," Metcalf said.

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