HEBOU PNG Under 19 Garamuts SquadPlayers1. Vagi Karaho (Captain)2. James Junior Tau (Vice-Captain)3. Daure William Aiga Aiga4. Heagi Ronald Toua5. Ovia Lohia Sam6. Sinaka Harry Arua7. Igo John Mahuru8. Nou Reva Rarua9. Leke Morea10. Boge Daniel Arua11. Kevau Nou Tau12. Simon Kwalahu Atai13. Eisa Eka14. Sema Igo Kamea15. Tau Toa Nou The CWC will run from the 13th of January to the 3rd February.The fifteen (15) man HEBOU PNG Under 19 Garamuts squad will be once again lead by Pari’s Vagi Karaho, will all the players currently playing in the Port Moresby Cricket Association (POMCA).The squad consists of twelve (12) players that competed in the 2018 ICC Under 19 CWC East-Asia-Pacific (EAP) Qualifiers in Apia, Samoa in August this year where finished the tournament undefeated and advanced to the World Cup. The HEBOU PNG Under 19 Garamuts will be flying out of Port Moresby on Friday 5th January and will start their World Cup campaign with two (2) practice matches against the West Indies (8th January) and hosts New Zealand (10th January) before taking on Zimbabwe (13th January), India (16th January) and Australia (19th January) in the group matches.The 2018 ICC Under 19 CWC will be the twelfth (12th) time the tournament has been held and it will be the third time the tournament will be held in New Zealand. The tournament will feature sixteen (16) teams- 10 Full Member and 6 Associate Member, with all teams divided into four (4) groups. The top two (2) after the round-robin stage will advance to the main quarter-finals (Super League), while the bottom two (2) from each group will advance to the Plate Cup. This will be the eighth (8th) time the HEBOU PNG Under 19 Garamuts have qualified for the ICC Under 19 Cricket World Cup, having already played in the ICC Under CWC in 1998 (South Africa), 2002 (New Zealand), 2004 (Nepal), 2008 (Malaysia), 2010 (New Zealand), 2012 (Australia) and 2014 (UAE).
Insecurities Lie Within the Buying Process in Data, Headlines, News Data Homebuying NerdWallet 2017-02-23 Sandra Lane February 23, 2017 607 Views One of the most stressful experiences in life can be searching for and buying a home. First, prospective homeowners must look at homes in their price range, and nowadays, there may be multiple contracts on the home they would like to purchase. Then, there are all the details they have to provide in order to get a loan, such as credit history, income, and assets. To better understand the psychology of the home-buying experience, NerdWallet released its first Home Buyer Reality Report on Thursday, which analyzed each step of the journey to homeownership, from home shopping through the lending process. It looked at the roadblocks to mortgage pre-approval, why some borrowers never make it to the closing table, and why others have regrets even after they become homeowners.“According to our research, borrowers who don’t understand the mortgage process or don’t know enough about their own credit history tend to hit obstacles or be rejected when applying for mortgages,” says Tim Manni, a mortgage expert at NerdWallet.“They also tend to feel regret after their deal is done, even if they succeeded in buying a home,” Manni adds. “That tells me borrowers aren’t doing enough research—on themselves or the mortgage process—before applying for a home loan.”To better understand the feelings various people have regarding purchasing a home, NerdWallet commissioned a survey conducted online by Harris Poll. The report was based on a survey of more than 2,200 people, 1,300 of whom had applied for a mortgage, and more than 1,400 who are current homeowners. Of those who had applied for a mortgage, 6 percent reported being denied — among them, 50 percent say they were denied on their first try, and one-quarter (25 percent) say they were denied more than once.The majority of mortgage applicants who have been denied a mortgage (79 percent) received an explanation from their mortgage professional for why their loan was denied. Forty-one percent thought their denial was unfair and 33 percent felt it was embarrassing. One the other hand, more than one-third (35 percent) said it encouraged them to improve their financial situation.Among mortgage applicants who had been denied, the top three reasons for denial were due to (1) a high debt-to-income ratio (52 percent), (2) issues with credit history and score (39 percent), and (3) having insufficient income (25 percent.The survey found that of mortgage applicants who had been denied a mortgage, 31 percent were surprised they were denied. The rejection, however, doesn’t seem to deter Americans from pursuing their dreams, as 33 percent said they knew the next steps and actions they needed to take to purchase or refinance a home.Other facts revealed were that there are distinctively different experiences and emotions among millennials, Gen Xers, and Boomers when it comes to navigating the home-buying process.In fact, 11 percent of millennial homeowners said they no longer felt financially secure after purchasing their home, and that roughly 3 in 5 millennial (57 percent) and Gen X (61 percent) homeowners indicated they had regrets, saying they would do things differently the next time around in the home-buying process, in comparison to only 38 percent of baby boomers. Interestingly enough, Gen X mortgage applicants were less likely to report having a positive experience (26 percent) with the mortgage process than millennial applicants (39 percent), but although there was a difference in experience, Gen Xers were just as likely to be approved for a home loan (91 percent) as millennials (89 percent). Share