Trail Mix | Althea Grace

first_imgOh, to be young and precocious.Althea Grace, raised by a music loving family within the shadows of the vibrant Chicago music scene, first took the stage at age eight. Ten years later, she has taken her soulful, bluesy voice on tour with Doyle Bramhall II and Los Lobos and has shared the stage with, among others, The Shins, Sylvan Esso, and X Ambassadors.Now eighteen, Grace has just released a new solo EP, Dreamers, her first solo recording since 2015. Featured this month on Trail Mix is the track “Blow Them All Away.”A new musical focus for Grace is Future Stuff, a duo that features her talents on vocals, bass, and guitar along with Gabe Burdulis on guitar, kick drum, trumpet looping, and vocals. Future Stuff released their first EP in 2016, and it is my hope that this combination of outstanding young musicians has plans for a recording project and extensive touring in 2018.Althea was kind enough to take some questions from me on the new recording project, her already long performing career, and how to keep from flaming out too young.BRO – On stage and performing before the age of ten? Were you too young to be nervous?AG – Absolutely. People ask me all the time if I get nervous, and I always respond with, “I don’t know how to be nervous.” It’s a huge blessing.BRO – What’s the secret behind making Future Stuff click?AG – Lots of caffeine? I think we’ve gotten to a point where we just know what we’re doing, and so we practice and write separately and then throw it all together when it’s time to play and record.BRO – Plans for a long player soon?AG – I hope so. I can’t wait to get more music out there.BRO – We are featuring “Blow Them All Away” on this month’s Trail Mix. What’s the story behind the song?AG – That’s my long song. It’s about finding that great love, the one that you know defies all odds and is the love that blows all those other loves out of the water.BRO – Got any plans to prevent burnout? I mean, your twentieth birthday will be here before you know it!AG – Hah! I talk about this all the time. It boils down to my ultimate goal – being happy. And, for now, and definitely for the near future, music makes me happy. But I definitely worry about burning out, because I am eighteen and have the back and shoulders of an eighty year old.Althea Grace will be celebrating the release of her new EP with a run of shows in Wisconsin and Chicago later this month. For more information on the new EP or where you can see Althea live, please check out her website.And be sure to take a listen to “Blow Them All Away,” along with other great tracks from Youth In A Roman Field, The Captain of Sorrow, Jesse Marchant, Big Star, and more on this month’s Trail Mix.last_img read more

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Navigating the mortgage maze

first_img 42SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,John San Filippo John San Filippo is the founder and president of OmniChannel Communications Inc. He has nearly 40 years of experience in financial services and technology. He’s written for every major … Web: www.financialfeed.com Details Whether you’re buying your first home or your fifth home, your finance options can be confusing. That’s because many types of mortgage loans are available, with varying rates and terms. However, the basic difference in mortgage loans boils down to these differences:Whether the interest rate is fixed or adjustable.Whether the loan is government insured.Fixed or adjustable?As the name implies, a fixed-rate loan is a mortgage loan with an interest rate that never changes. Since the interest rate never changes, the monthly payment amount never changes, either. That means, for example, if you get a 30-year fixed rate loan and keep the loan for that long, you’ll make 360 identical payments to your lender (give or take a few dollars on the final payment).Many consumers like the predictability and stability of a fixed rate mortgage. And over time, as your income presumably grows, that fixed payment amount will seem smaller and smaller. When rates are historically low, like they are now, fixed rate mortgages are a good deal.If you’re looking for the lowest possible initial payment and you’re confident that your income will rise over time, you may want to consider an adjustable rate mortgage, or ARM. With an ARM, your initial rate is a) typically lower than the rate on a fixed rate loan, and b) locked in for five years. That means that your ARM will behave like a fixed rate loan for the first five years.But what happens after five years?Your rate will start adjusting – as often as annually and as infrequently as every five years, depending on the terms of your specific loan. It should come as no shock that ARM rates generally adjust up rather than down. And every time your rate goes up, your payment goes up, too. This can come as quite a shock to a fragile budget.Rates are expected to increase over the next several years, so if you opt for an ARM, keep in mind you may experience some serious sticker shock in five years when your rate adjusts … and it will adjust higher.Conventional or government insured?A conventional loan is one that involves just you and your lender. Pretty simple, eh? So why would you want to get the government involved in your mortgage loan?It depends on which government insured loan program we’re talking about. These loans come in three flavors: FHA, VA and USDA.An FHA (Federal Housing Administration) loan can be a good choice if you don’t have much money to put down – it only requires a down payment of 3.5 percent, while most conventional loans require a down payment between 5 and 20 percent. An FHA loan can also be helpful if your credit is less than stellar. Since your loan is insured by the government, your lender may be willing to make what may seem like a riskier loan, because the government will guarantee the bank will be repaid, at least in part, if you can’t.The rub? The FHA doesn’t insure these loans just to be nice. You actually have to pay for that mortgage insurance yourself, an amount that’s tacked to your monthly mortgage payment. However, if you get a conventional loan and have less than 20% for a down payment, many states require that you pay mortgage insurance, called PMI.If you’re a veteran of any branch of the U.S. military, you should consider a VA loan. The VA loan program is administered by the Department of Veteran Affairs. A VA loan works a lot like an FHA loan, except for one extremely important difference: A VA loan doesn’t require any down payment whatsoever. That can be huge for a cash-strapped family looking to own their own home.Finally, the U.S. Department of Agriculture offers a loan program for low-income families living in rural areas. To qualify for this program, your family can’t earn more than 115 percent of the average median income for your county.The loan types described here cover the vast majority of U.S. mortgage loans, but there are many, many subtle variations. If you have questions, your best bet is to ask a mortgage expert at your credit union.last_img read more

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Tesla hiring in Shanghai as production ramps up

first_imgThe company also planned to hire 600 workers at stamping, bodywork, painting and assembly workshops in Shanghai, according to a separate job post by the Lingang local government. Another 150 workers were needed for quality checks, 200 for logistics work and 20 for security, it added.Two sources familiar with the matter said the recruitment drive was partly for the preparation of Model Y sport-utility vehicles at the Shanghai plant. Tesla is building manufacturing facilities for Model Ys in Shanghai from next year.Tesla did not immediately respond to a request for comment.The company delivered over 30,000 units in China in the past quarter, most of them locally made Model 3 sedans.In March it advertised for solar and energy storage project managers in China, as it moves to expand its energy business into the country.Topics : Tesla Inc has launched a hiring spree in Shanghai with plans to bring on designers at its China studio and about 1,000 factory workers, job posts show, as the US electric vehicle maker ramps up production in the world’s biggest auto market.The posts on the Tesla human resources department’s official WeChat account mark the first time the California-based automaker has looked to hire designers in China. Tesla said in January it planned to open a design and research centre in China to make “Chinese-style” cars.The posts did not reveal how many designers Tesla planned to hire.last_img read more

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Bilic backs Payet to improve squad

first_imgSlaven Bilic has backed new recruit Dimitri Payet to “make every player better than they actually are” at West Ham. Hammers boss Bilic hailed the £11million summer capture from Marseille as his “number one target” but admitted he will chase two more Upton Park additions. France playmaker Payet is set for his full competitive debut as West Ham host Astra Giurgui in Thursday night’s Europa League third qualifying round. Press Association Former Arsenal star Song spent last season on loan at West Ham but faces three months on the sidelines with ankle trouble. The 27-year-old is locked in negotiations over the length of a potential Hammers contract, with Barcelona ready to let him leave on a free transfer. West Ham have also been linked with a £12million bid for Fenerbahce striker Moussa Sow – with Bilic refusing to bide his time as he seeks further squad improvements. “That is very tricky because you can’t wait that long,” said Bilic when asked if securing Europa League football would boost West Ham bargaining power. “So we will have to risk one way or another. “Like any other manager you put your players on the sheet and you go ‘we are ok, we are ok’. “But considering that this is the Premier League and we might play in Europe and the Premier League is very tough and very long then of course I would like to have one or two. “But we are not talking about five, six, seven or whatever. “I am happy with my team and squad, we might need one or two. “You have to spend. You have to be clever of course but even Einstein would have to spend money. “So of course there is a budget and fair play so you have to calculate and do it. “I have done it with big help from the chairman and the board and the scouts and my staff. “We bought really good players. We didn’t buy players to just add numbers.” The former Croatia manager conceded West Ham cannot hang fire on transfer plans while they fight to secure European football for the season ahead. “It’s still early days but Dimitri it’s not only my opinion but I know so far he’s not only a great player, he’s a great professional, he’s a good lad,” said Bilic. “He has mixed already. He’s the kind of player I thought we really needed, that’s going to make every player better than they actually are. “He’s got everything. He likes to take responsibility. “He was my number one target and I am grateful to chairman that we got him. And it was done like that – not in four weeks. “He’s doing really well at the moment. Not only him but all the guys but you ask about him. “It may go a bit up and down. But we’re going to help him and he’s going to help us.” Bilic remains confident West Ham can yet complete a permanent deal to bring Barcelona midfielder Alex Song back to Upton Park for the season ahead. last_img read more

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Juve to Smash Record for Higuain

first_imgJuventus are set to smash Italy’s transfer record by snatching striker Gonzalo Higuain from Napoli after triggering his release clause of €94.7 million, Italian media said yesterday.All that remains is the Argentine poacher’s signature, which is regarded as a formality, local press said.“It’s all true. Gonzalo Higuain will live in Turin,” declared the Turin daily La Stampa, considered the voice of the Agnelli family – which runs Juventus.He will be “the lethal weapon” that the Italian champions have been crying out for, it added, calling the move the “coup of the summer”.Higuain, 28, who has been linked with a number of top clubs around Europe, is expected to sign for four years with a salary of 7.5 million euros a year.The transfer – the most expensive in the history of Italian football – is a warning of intent from Juve, who could recoup more than that with the possible sale to Manchester United of midfielder Paul Pogba.That transfer saga is reported to be ongoing.Despite helping Napoli to second place behind Juve last season, Higuain is reportedly keen to move to Turin because of the club’s raised profile among Europe’s elite after several years on the sidelines.He joined Napoli for 40 million euros from Real Madrid in 2013 and has gone on to become one of the most exciting, and most consistent strikers in Italy’s top flight.He hit a stunning 36 goals last season to break Gunnar Nordahl’s 66-year-old record of 35 goals for AC Milan in a 20-team season, which he achieved in 1950.At Juventus, Higuain would join up with fellow Argentina international striker Paulo Dybala, who finished Serie A’s second-highest scorer last season on 19.Share this:FacebookRedditTwitterPrintPinterestEmailWhatsAppSkypeLinkedInTumblrPocketTelegramlast_img read more

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