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Mortgage Choice - How to find the best home loan

Kristy Sheppard from Mortgage choice discusses about the importance of finding a home loan most suitable to your financial situation as well as ...

Here are The Best Places to Retire in 2018

South Dakota enjoys no income taxes and, according to the Tax Foundation, is the second most tax-friendly state in the nation. Retirees hoping to enjoy nature have six national parks, like the Badlands, and more than 50 state parks and recreation areas. According to the report, it ranked “first in well-being, second in taxes, 10th in cultural vitality and 12th in health care quality.” Weather at 38th place was the only lower ranking.

“Yes, South Dakotans enjoy a low tax burden, but they are also more satisfied with their lives than anyone else,” said Bankrate.com analyst Taylor Tepper in a statement. ”They savor their day-to-day lives, feel financially secure, and have a strong sense of community. Residents in the other top states feel similarly. These attributes may better determine what makes for a satisfying retirement than, say, warm weather.”

Falling dead last was New York, with its multiple Achilles’ heels being cost of living, taxes, and health care quality. New Mexico and Maryland tied for second-worst.

Is MyState Limited (ASX:MYS) On The Right Side Of Disruption?

The mortgage industry is characterized by stable product offerings, consolidation and increasing levels of external competition. In the previous year, the industry saw growth of 8.88%, though still underperforming the wider Australian stock market. MyState is neither a lagger nor a leader, and has been growing in-line with its industry peers at around 7.89% in the prior year. However, analysts are not expecting this trend to continue, with future growth expected to be 7.85% compared to the wider mortgage and thrifts sector growth hovering in the teens next year. This growth is a median of profitable companies of stocks internationally, operating in the Mortgage industry. I’ve decided to use a global peer group as there’s not enough companies in AU that are considered as appropriate peers, and I wanted to get a broader perspective on the regional growth. Some peers include Mortgage Choice, Genworth Mortgage Insurance Australia and Auswide Bank. As a future industry laggard in growth, MyState may be a cheaper stock relative to its peers.