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What Happened To The Real Housewives Of Vancouver After The Show Ended?

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It’s been nearly 7 years since the Real Housewives of Vancouver ended, and Bravo fans want to know what the stars have been up to since their debut on reality TV.

It didn’t take long for Canada’s Real Housewives to join Bravo’s dynasty. One of the versions was The Real Housewives of Vancouver, which initially aired in 2012. When it premiered, the series broke the Slice network’s record, thanks to the highest number of viewers (the premiere got 1.2 million hits). Unfortunately, the series only lasted 2 seasons and the housewives lost their fame when the show ended. Check out what they’ve been up to since 2013.  

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Related: RHOSLC: Age & Height Of Mary Cosby, Jen Shah & Other New Housewives

Jody Claman

Jody faced some hardship following the show’s ending. In March of 2013, Claman’s store, Glass House Couture, was vandalized by animal rights activists. As viewers of the show remember, Jody was fond of fur garments. She frequently wore them on the show and sold them in her boutique. “It’s ridiculous. I don’t believe in killing innocent animals,” Claman said, explaining that most of her products are vintage and sharing that the animals were treated ethically. 

In June 2014, Claman’s daughter Mia Deakin was injured in a drive-by shooting at a gas station in Vancouver. Mia made frequent appearances on the Real Housewives of Vancouver and was often portrayed as the show’s wild child. Police suspected that the shooting may have been targeted because Deakin’s partner at the time (Jeffrey Chang) was a rumored gangster. After the incident, Mia and Jeffrey had a son together in April 2015. Jody was a grandmother but faced another tragedy when Chang passed away in July of 2015, at the age of 28. His cause of death was a drug overdose. 

In January of 2015, Jody went through a tumultuous divorce. Her ex-husband Eran Friedlander won the lengthy legal battle and Claman was ordered to surrender $600,000. Following the court order, Jody desperately requested an extension to pay, stating, “All my properties have been mortgaged and I have bad credit.” Friedlander also requested that his legal fees be covered by Jody, which could cost up to $300,000. She lost custody of her second daughter to her ex. Unfortunately, it looks like Jody faced karma for her mean girl ways. 

Mary Zilba

Beyond The Real Housewives of Vancouver series, Mary Zilba and Jody had some drama. Following Mia’s shooting incident, Zilba stated, “Ms. Claman knew or ought to have known that Ms. Deakin allegedly associates with criminals.” Jody and Mia filed a lawsuit against Mary for defamation of character. In her defense, the former Real Housewife stated that. “the words complained of… are not capable of being defamatory of the plaintiffs and are not in fact defamatory of the plaintiffs, either in their literal meaning, inferential meaning or innuendo meanings as alleged.

Today, Mary owns and operates her own production company, LadyPants Productions. “Everyone thinks I’m on the shows and I’m not, I haven’t cast myself on anything,” Mary said, preferring to stay behind the camera now. She also started her own liquor brand called Love by Mary Zilba. Earlier this year, the pop star revealed that she tested positive for coronavirus. 

Related: RHOC: Tamra Judge Reignites Kelly Dodd Feud Over Braunwyn’s Sobriety

Christina Kiesel

As popularized during the reality show, Christina earned her fortune by marrying two wealthy men and quickly divorcing them. The self-described gold digger spent time travelling the world following her departure from The Real Housewives of Vancouver. Apparently, Christina wanted to create a travel reality show following her exit from RHOV, but the deal fell through. 

In February of 2016, Kiesel was arrested in Charleston, South Carolina, for third-degree domestic violence. No other information is available about the arrest or the incident. Christina reunited with Ronnie recently. Reportedly, it was the first time the two ladies were seen together publicly since filming the Real Housewives of Vancouver. “Though distance has kept us apart… We picked up just like it was yesterday… So fun reconnecting with you,” Kiesel wrote on Instagram. 

Ronnie Negus

It turns out that Ronnie isn’t Canadian, she’s American. In 2016, it was reported that she had plans to move to Los Angeles to team up with The Real Housewives of Beverly Hills, although this never happened. Some were shocked to hear this news, given the thoughts she shared on The Real Housewives of Vancouver season 2

In 2012, Ronnie’s daughter Remington experienced a choking incident that left her in a coma. Fortunately, Remington made a full recovery, but Negus commented that she regretted returning to film so quickly. “I really shouldn’t have been back on [the] second season, and I should have healed,” Ronnie explained. “I thought if I went back, it would be really good for me to get my mind off what had just happened to Remington… And truthfully, it was completely the wrong thing.” 

Today, Ronnie is sober and routinely attends Alcoholics Anonymous meetings. She said that producers on the show encouraged the women to drink, which for Negus meant that “all hell breaks loose.” She also admitted that she got caught up in the drama of being on TV. “I don’t think I was portrayed all that well,” Negus said. “In these shows you have to have a formula. You have to have a victim. You have a bully and you have the one who drinks too much – me.” As of 2018, she was reportedly living near Lions Bay in British Columbia. “I like it out here. I really like it,” Negus said. It looks like Ronnie is at peace with her past and is loving her new lifestyle. 

Reiko MacKenzie

After The Real Housewives of Vancouver ended, Reiko ended her marriage with Sun MacKenzie. Following her divorce, MacKenzie revealed that she believes love knows no gender. She had a brief relationship with DJ Kasha Kennedy, a female EDM musician from Los Angeles. Today, she’s an ally of the LBGTQ+ community. Known as one of the more savvy businesswomen from the reality show, Reiko launched a gluten-free beer called CORSA and is the creator of ReikoMommy, a blog. 

Robin Reichman

Robin admitted that she joined the cast to distract herself from her own life. She was married to a Canadian man and relocated to Texas for their family. They had one child and the marriage dissolved shortly after she had twins. Tragically, one of the babies passed away three days after birth.

Ever since she lost one of her children, Reichman had been depressed. She said, “I didn’t have direction in my life and I kept wondering where I was going to go. So, I considered joining RHOV and thought that [my life] couldn’t get any worse than it already was, and at the very least it would take my mind off my own hellish reality.” Since the ending of the show, Robin is doing much better. It looks like it was a successful distraction that helped her find direction again. 

Related: RHOBH: Why Lisa Vanderpump ‘Made An Effort’ To Skip Watching Season 10

Ioulia Reynolds

Ioulia decided to become sober following the ending of the RHOV. “I never knew that I had a problem,” she explained. “I thought this is how people live… upon me leaving my ex and my life falling apart a little, but I realized it comes down to me not being sober. Through Amanda putting the light to it, I was able to find it in myself [to get sober] and it’s been the best decision I’ve ever made.” 

As Reynolds said, she divorced her husband. Her now ex-husband Damien Reynolds was named in the 2016 Panama Papers tax evasion case. Following the split, she’s been rebuilding aspects of her life. Ioulia went back to school for graphic design and completed a fitness training certificate. She hopes to open her own fitness center one day. In addition, she’s found God and a new boyfriend. “Seeing myself as that persona made me want to change,” Ioulia said. It appears that this housewife successfully did just that. 

Amanda Hansen

Since the end of the show, Amanda has taken up her biker lifestyle again. She spends her days on her motorcycle with her friends and family. Hansen is also a brunette now. “I found the show was just something that wasn’t me… I’m trying to figure out what I want from life,” Hansen said. “I’m single now. That’s been interesting. It’s been a series of dating disasters. There’s not enough men in the city!” 

Amanda and Ioulia are now good friends and help each other with everything in life. “We really didn’t get along during filming. We had some good fights but we just got to be really good friends… like sisters,” Hansen explained. As for the other RHOV, Amanda said, “There’s lots of bad blood. Do I wish any of them bad? No, not at all. Would I ever want to hang out with them? Hell no!

Next: Real Housewives: Which Iconic Dinner Party Are You Based On Your Zodiac

Source: Fame 10, Vancouver Sun, Global News, North Shore News, The Sun, RHOV Blog, Real Housewives, ET Canada, CBC, Slice, Vancouver Sun 

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Loans Bad Credit Online – Loans Bad Credit Online – Reforming India’s deposit insurance scheme | Fintech Zoom | Fintech Zoom

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Loans Bad Credit Online – Loans Bad Credit Online – Reforming India’s deposit insurance scheme | Fintech Zoom

Loans Bad Credit Online – Loans Bad Credit Online – Reforming India’s deposit insurance scheme | Fintech Zoom



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Loans Bad Credit Online – Reforming India’s deposit insurance scheme | Fintech Zoom

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The government’s incentive to step in and bail out depositors when banks fail is clear from past experience.

By Anusha Chari & Amiyatosh Purnanandam

The failure of the Punjab and Maharashtra Co-operative Bank (PMC) in September 2019 shone a light on the limitations of India’s deposit insurance system. With over Rs 11,000 crore in deposits, PMC bank was one of the largest co-op banks. That the Deposit Insurance and Credit Guarantee Corporation (DICGC) insurance covered depositors, provided little solace when the realisation hit that the insurance amounted to a mere Rs 1 lakh per deposit.

The predicament of PMC depositors is, unfortunately, not an anomaly. Several bank failures over the years have severely strained RBI and central government resources. While co-operative banks account for a predominant share of failures, other prime examples include the Global Trust Bank and Yes Bank failures. These failures entail a direct cost to the taxpayer—the DICGC payment or a government bailout. More importantly, bank failures impose long-term indirect costs. They erode depositor confidence and threaten financial stability, presenting an urgent need for deposit insurance reform in the country.

A sound deposit insurance system requires balancing two opposing forces: maintaining depositor confidence while minimising deposit insurance’s direct and indirect costs. At one extreme, the regulator can insure all the deposits, which will undoubtedly strengthen depositor confidence. But such a system would be very expensive.

A bank with full deposit insurance has minimal incentive to be prudent while making loans. Taxpayers bear the losses in the eventuality that risky loans go bad. Depositors also have little incentive to be careful. They can simply make deposits in the banks offering high interest rates regardless of the risks these banks take on the lending side.

Boosting depositor confidence and reducing direct and indirect costs require careful structuring of both the quantity and pricing of deposit insurance. Some relatively quick and straightforward fixes could help alleviate the public’s mistrust while improving the deposit insurance framework’s efficiency.

India has made some progress on this front over the last couple of years. First, the insurance limit increased to `5 lakh in 2020. Second, the 2021 Union Budget amended the DICGC Act of 1961, allowing the immediate withdrawal of insured deposits without waiting for complete resolution. These are very welcome moves. Several additional steps could bring India’s deposit insurance system in line with best practices around the world. Even with the increased coverage limit, India remains an outlier, as the accompanying graphic shows.

The government’s incentive to step in and bail out depositors when banks fail is clear from past experience. However, these ex-post bailouts are costly. The bailout process also tends to be long, complicated, and uncertain, further eroding depositor confidence in the banking system. A better alternative would be to increase the deposit insurance limit substantially and, at the same time, charge the insured banks a risk-based premium for this insurance. Under the current flat-fee based system, the SBI pays144 the same premium to the DICGC—12 paise per 100 rupees of insured deposits—as does any other bank!

A risk-based approach will achieve two objectives. First, it will ensure that the deposit insurance fund of the DICGC has sufficient funds to make quick and timely repayments to depositors. Second, the risk-based premia will curb excessive risk-taking by banks, given that they will be required to pay a higher cost for taking on risk.

India is not alone in trying to address the issue of improving the efficiency of deposit insurance. The Federal Deposit Insurance Corporation (FDIC) recognizes that the regulatory framework governing deposit insurance is far from perfect and the United States is moving towards risk-based premia. The concept is similar to pricing car insurance premia according to the risk profile of the driver. The FDIC computes deposit insurance premia based on factors such as the bank’s capital position, asset quality, earnings, liquidity positions, and the types of deposits.

In India, too, banks can be placed into buckets or tiers along these different dimensions. The deposit premium can depend on these factors. It is easy to see that a bank with a worsening capital position and a high NPA ratio should pay a higher deposit insurance premium than a well-capitalized bank with a healthy lending portfolio. The idea is not dissimilar to a risky driver paying more for car insurance than a safe driver.

Risk-sensitive pricing can go hand-in-hand with the increase in the insured deposit coverage limits bringing India in line with its emerging market peers. In a credit-hungry country like India, these moves would build depositor confidence, possibly increasing the volume of deposits and achieving the happy result of the banking system channeling more savings to productive use.

Chari is professor of economics and finance, and director of the Modern Indian Studies Initiative, University of North Carolina at Chapel Hill and Purnanandam is the Michael Stark Professor of Finance at the Ross School of Business, University of Michigan

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5 Signs You’re Not Ready to Own a Home, According to a CFP

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The housing market has boomed over the last year, despite a global pandemic and millions of Americans struggling to make ends meet. 

Many people are spending less on entertainment, clothing, travel, and other discretionary purchases during COVID. Federal student loan borrowers have seen temporary relief from their loan payments. These expenses will most likely rise again after the pandemic, and many people who committed to a new home with a large mortgage will struggle to keep up. 

I often speak with clients and prospective clients who want to buy a home before they have a strong financial foundation. Buying a home is not only one of the largest purchases you’ll make in your lifetime, but it’s also a huge commitment that’s extremely hard to undo if you have buyer’s remorse

It’s important to make a thoughtful, informed decision when it comes to a home purchase. Before you take the plunge into homeownership, check for these signs that you’re not quite ready to buy. 

1. You have credit card debt

Credit card debt can be a drain on your monthly budget, and when combined with student loans and a car loan, it can lead to high levels of stress. 

Generally, more debt means higher fixed expenses and little opportunity to save for long-term financial goals. Your financial situation will only get worse with the addition of a mortgage. I always recommend that clients be free of credit card or other high-interest debt before they consider buying a home. 

To rid yourself of credit card debt, take some time to get a good handle on your cash flow. Take an inventory of your spending over the last six to 12 months and see where you can cut back. From there, develop a realistic budget that includes aggressive payments to your credit cards. 

There are several strategies to help you knock out credit card debt fast. Regardless of the method you choose, stick with the plan and track your progress along the way. Once you pay off your credit cards, you can allocate your debt payments to savings, which can help you avoid this situation in the future.  

2. You have bad credit

Bad credit is not only a sign that you may not be ready to take on a mortgage, it can also signal a high risk to

mortgage lenders
. A high-risk status results in higher interest rates and more strict requirements to qualify for a loan. A mortgage is one of the largest loans you’ll take out in your lifetime, and if you get behind on payments, you could lose your home. 

Just as with credit card debt, bad credit could be a result of past financial mistakes. Dedicating the time to repair bad credit and improve your credit score will help you beyond purchasing your dream home. 

Start by pulling a recent credit report from each of the three credit bureaus so you can review it for errors. Dispute any errors, address past-due accounts, and bring your overall debt balances down. It’s helpful to learn what has a negative effect on your credit score so you can avoid these mistakes in the future. 

3. You don’t have an emergency fund (or an inadequate one)

If you’re unable to save for a rainy day, you probably don’t have enough money to buy a house. Owning a home is a big responsibility, and unexpected expenses pop up all the time. In addition, you could lose your job, have a medical emergency, or another unexpected expense unrelated to the home. Maintaining an emergency fund is a good sign that you have discipline and are prepared for the responsibility of homeownership.

Many financial experts recommend saving at least six months of living expenses in an emergency fund. If you have variable income, own a business, or own a house, you should save more. To build an emergency fund, set money aside from each paycheck and automate transfers to make the process easier. Give your emergency fund a boost when you receive lump sums such as bonuses or tax refunds. Start by saving one month of living expenses and build from there. 

4. You don’t have separate savings for your home

I always advise clients to set aside savings for a home in addition to an emergency fund. It’s a bad idea to start homeownership with no savings. Whether you have unexpected expenses related or unrelated to the home, having no emergency fund after a home purchase will lead to unnecessary stress — and possibly more debt. 

When purchasing a home, you’re responsible for a down payment and closing costs. While a 20% down payment is ideal to avoid private mortgage insurance, a down payment of at least 3.5% is typically required. Closing costs can range from 2 to 5% of the home’s value. 

Also, you will have moving costs, costs to spruce up your new place (like new furniture or light cosmetic updates), and any initial maintenance and repairs. Be sure to budget for these items to know how much to save on top of your emergency fund. It doesn’t hurt to boost your emergency fund, too, in preparation for homeownership. 

5. You have a low savings rate

It’s much easier to develop good savings habits before you have a lot of responsibilities. To get on track for financial independence, several studies show that you should save at least 15% of your income. The longer you wait, the more you’ll need to save. 

If your savings rate is low before you purchase a home, it will most likely worsen after becoming a homeowner. Even if your mortgage is similar to your rent, ongoing maintenance and repairs, higher utilities, and homeowners association fees can wreak havoc on your budget. 

Take a look at your current savings rate and see if you’re on track for financial independence. If you’re saving less than 15 to 20% of your income, work to improve your savings rate before you consider buying a home. A strong savings habit can help you build your home savings fund faster and ensure that a home purchase doesn’t impede your long-term financial goals. Finally, understand how much house you can afford so you can avoid being house poor. 

Buying a home can be rewarding, and when done the right way, it’s a way to build wealth. Before you decide to buy a home, it’s important to understand your numbers and ensure that you’re ready for the commitment. Without preparation, your dream home could be detrimental to your long-term financial goals.

Chloe A. Moore, CFP, is the founder of Financial Staples, a virtual, fee-only financial planning firm based in Atlanta, Georgia and serving clients nationwide.

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