How to buy a house that hasn’t been built yet



Trisha and Dennis Rawlings, a couple in their early 30s, are moving to suburban Chicago and leaving their over-60-year-old first home in the St. Louis area behind.

“We were looking at potentially buying a house,” Trisha says. But in the area where they want to live, the options within their budget were limited to purchasing an older home or building a new one.

The couple loved the features of a modern, new-construction neighborhood with a pool, a clubhouse and excellent walkability. And taking out a construction loan and building a house means they’ll avoid the ongoing maintenance that comes with an older home.

With the supply of existing homes available to buy at “an all-time low ” nationwide, according to the National Association of Realtors, homebuyers like the Rawlingses and others — including younger buyers — are looking at other options that include building a house. Here’s how to get started if you decide to build a home.

FINDING A CONSTRUCTION LOAN

“It all starts with your ability to be financed and what kind of budget can you establish from there,” says Dan Moralez, regional vice president for Northpointe Bank in Holland, Michigan. “You don’t want to be sold something by somebody and then the next thing you find out is that you don’t qualify.”

But not every mortgage banker or broker offers construction loans.

“Most mortgage people will go their whole career without ever doing one,” says Jerry Thomas, a mortgage loan officer in Farmington Hills, Michigan. “Another big group of (lenders) will do one and then swear they’ll never do another one again.”

There’s no easy way to find a construction lender. Ask for referrals from friends and family. Builders often have lenders they recommend.

LOCKING IN THE LAND

Getting a place to build a house is a major part of the homebuilding process.

“You don’t have to own the lot free and clear,” Moralez says. However, any equity you have in the land can be applied toward a down payment and closing costs.

Moralez says he has clients who want to “lock in a piece of dirt” so they can build on it in a year or so. Unfortunately, he says, the number of lenders who finance vacant land is significantly smaller than the number of lenders who will do a construction loan.

Buyers who are planning to finance the cost of the land and home construction simultaneously will need to keep this in mind when searching for a lender.

QUALIFYING AND THE DOWN PAYMENT

It’s harder to qualify for a construction loan than for a typical purchase mortgage, Moralez and Thomas say. That’s because the bank is taking extra risk during the building phase, since there isn’t an asset to secure the mortgage.

Typical down payments are around 10 percent. Federal Housing Administration, Veterans Affairs and U.S. Department of Agriculture mortgage programs back construction loans and can allow some credit leniency, along with low — or no — down payments.

“If you can put 20 percent down and you have a 720 credit score or better, you know you’re pretty much going to qualify for everybody’s program,” Thomas says.

USING A BUILDER OR DIY

There are two kinds of builders: custom builders and “production builders,” who construct a high volume of similar homes and work for maximum efficiency. If your house plan includes many special or unique features, look for a custom builder, since they specialize in building to meet client expectations, Moralez says.

Want to build your own home?

“More and more often, we’re saying no,” Moralez says. “Most lenders will not do a self-build project.” He says the few exceptions go to borrowers with relevant trade experience.

Moralez says borrowers who think they can save money contracting out the work themselves may be in for a disappointment. With the housing industry facing a shortage of skilled labor, you’ll likely pay more for workers than a high-volume contractor would.

Also, construction loans for a do-it-yourself project typically require higher credit scores and larger down payments. Terms and qualifications vary by lender.

STAYING WITHIN BUDGET

Cost overruns are the biggest danger you could face when building a home, Moralez says. A builder’s bid sets cost allowances for lighting fixtures, flooring, countertops and other major features. An upgrade here or there can bust the budget, and you’ll have to make up the difference in cash, he says.

Research the costs of the materials upfront to help avoid making significant and expensive modifications along the way.


منبع مطلب : http://tdn.com/lifestyles/how-to-buy-a-house-that-hasn-t-been-built/article_4420468a-9688-55b0-8c78-097046df3206.html

Not-so-magic kingdom? Many Disneyland workers poor & homeless, union says

A survey of 5,000 workers at the Disneyland Resort in Anaheim, California found that many were unable to afford basic food and medical expenses. Eleven percent of the workers even said they experienced homelessness in the past two years. The findings come from a union-backed report ‘Working for the Mouse’, which was conducted by researchers at Occidental College and the Economic Roundtable and released on Wednesday.

The group of 11 unions behind the survey is calling on Disneyland Resort to raise its base wage to $20 an hour.

“I have been working for Disneyland for almost 28 years and I make less than $20 an hour. If I didn’t have my husband to help with the bills and other life expenses, I would be living out of my car, or worse, homeless,” an anonymous merchandise host said in the survey, which was conducted in October 2017.

The average hourly wage for Disneyland resort workers actually went down by 15 percent between 2000 and 2017, from $15.80 to $13.36 after adjusting for inflation. Disneyland generated over $3 billion in revenues for the Walt Disney Company in 2016.

More than 85 percent of unionized workers at Disneyland earn less than $15 an hour. Almost three-quarters of them said that they do not earn enough money to afford basic expenses each month, the survey revealed. Over half of the employees expressed concerns about being evicted from their homes.

“I have a full-time job that does not allow me to live like a human being. My stress and anxiety levels are so high because I live paycheck to paycheck, asking people if I could borrow money for gas to get me to work,” one anonymous full-time worker said in the survey.

Disney denounced the survey as inaccurate and said it does not reflect the feelings of the 30,000 employees or “cast members” at the resort.

“This inaccurate and unscientific survey was paid for by politically motivated labor unions and its results are deliberately distorted,” Disney spokeswoman Suzi Brown told the Orange County Register.

“While we recognize that socio-economic challenges exist for many people living in Southern California, we take pride in our employment experience,” Brown added.

In a recent CNBC survey, California was ranked as the third most expensive state in the US in terms of the cost of living, behind Hawaii and New York.

Disney’s first theme park opened 1955. The park attracted more than 27.2 million visitors in 2016. The Walt Disney Company was named as the number six “World’s Most Admired Companies” by Fortune Magazine in 2018.

منبع مطلب : https://www.rt.com/usa/420084-disneyland-workers-poverty-survey/?utm_source=rss&utm_medium=rss&utm_campaign=RSS

Acid to be defined as 'highly dangerous weapon' for first time to impose tougher prison sentences

Acid is to be defined as a “highly dangerous weapon” for the first time, allowing judges to impose harsher punishments on anyone found to be carrying it in public.

New guidelines published by the Sentencing Council are part of efforts to crackdown on a spate of attacks using corrosive substances, with more than 400 recorded in England and Wales in the six months to April last year.

Adults convicted of carrying a corrosive substance in public for a second time will be given a minimum six-month jail term, and under-18s handed a four-month detention and training order.

The new guidelines, which match those already in place for knives, impose the same minimum sentences for anyone convicted of threatening someone with acid or other offensive weapons.

They define an offensive weapon as “any article made or adapted for causing injury… Or intended for such use”, while a highly dangerous weapon can include corrosive substances whose risk goes “substantially above and beyond”.

“The court must determine whether the weapon is highly dangerous on the facts and circumstances of the case,” the Sentencing Council said.

Two people have so far died as a result of acid attacks, with many more left with life-changing injuries and pressure has been mounting on authorities to act.

Some of the most severe assaults have been carried out using sulphuric acid, but police said dozens of different substances have been used in the UK, including some that are not covered by existing bans and voluntary sales restrictions.

Rachel Kearton, the Assistant Chief Constable of Suffolk Police and National Police Chiefs Council lead on corrosive attacks, warned in December that the UK has one of the world’s highest rates of recorded attacks per capita.

“You’ve got bleach, chemical irritants – anything you might find in a kitchen cupboard,” she said. “We have to bear in mind that these are legitimate substances that often have household uses that are probably owned by all of us.”

Police have so far been powerless to identify corrosive substances, which are frequently concealed in soft drinks bottles and a pilot using litmus paper to test substances was unsuccessful.

Major retailers have signed up to a voluntary ban on sales of dangerous products to under-18s and the Home Office has proposed separate new laws that could bring in punishments for anyone carrying corrosive substances without “a good or lawful reason” and restrict purchases.

The new Sentencing Council guidelines also target knives and other bladed weapons, ensuring people who repeatedly carry them or use them to threaten others are punished severely. 

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New aggravating factors include the “deliberate humiliation” of victims, including filming them or circulating material on social media, and judges will take into account the defendant’s age, maturity, peer pressure or an “unstable upbringing”.

It comes amid concern over a series of fatal stabbings in London, including the killing of two victims within two hours last week. The deaths brought the number of fatal stabbings in London to 16 so far in 2018, with five of them teenagers.

Recorded violent crime has been rising across England and Wales. In the three months to September, there were 3,359 offences of possession of an article with a blade or point, 1,708 of possession of an offensive weapon and 257 of threatening with a knife or offensive weapon that resulted in a caution or sentence.

The Sentencing Council said changes will ensure consistency across British courts and reflect “Parliament’s concern about the social problem of offenders carrying knives”.

New offences, including threatening with a bladed article or offensive weapon in a public place, possession on school premises or in prisons, have been introduced in recent years and are enforced on a sliding scale of culpability and harm.

Sentencing Council member Rosina Cottage said: “Too many people in our society are carrying knives. 

“If someone has a knife on them, it only takes a moment of anger or drunkenness for it to be taken out and for others to be injured or killed. 

“These new guidelines give courts comprehensive guidance to ensure that sentences reflect the seriousness of offending.”

Rory Stewart, a justice minister, welcomed the changes, which will come into force in courts on 1 June. 

“Knives ruin lives and fracture communities – and carrying a weapon is often an indicator of further devastating crimes to come,” he said.

“We must equally recognise the emerging threat of other weapons, such as acid, and those caught with any offensive weapon must feel the full force of the law.”  

The Home Office said the “sickening crimes” would be met with the highest possible sentences.

A spokesperson said it was making “good progress” on an action plan to tackle acid attacks and would be announcing a new serious violence strategy later this year.

“We will shortly announce our response to last year’s consultation on new legislation banning sales of corrosives to under-18s and introducing a new offence for possessing corrosive products in a public space,” he added. 

“In the meantime we have put in place a set of voluntary commitments with retailers to restrict access to most harmful products.

“Knife crime, acid attacks and serious violent offences devastate lives and that is why we’ll be announcing our new Serious Violence Strategy in the spring. 

“It will place a new emphasis on steering young people away from a life of crime, while continuing to promote the strongest possible law enforcement response.”

منبع مطلب : http://www.independent.co.uk/news/uk/crime/acid-attacks-uk-sentences-law-change-carrying-threatening-possessing-corrosive-substances-a8233516.html

Sridevi: Indian media's reconstructions of Bollywood superstar's death spark outrage

The graphic coverage of Bollywood superstar Sridevi Kapoor’s death by Indian media has been criticised by friends, colleagues and fans. 

The 54-year-old actor, known by her first name by most, died of accidental drowning in a hotel bath in Dubai over the weekend. 

Local TV channels have featured rolling coverage of the circumstances surrounding the death of Hindi cinema’s first female megastar, who was in the emirate to attend a family wedding.  

Some news outlets have used elaborately crafted onscreen graphics and recreations of the hotel room where she died in order to speculate about her final moments. Others used images of Kapoor in bathrooms.

Actors, directors and fans on have criticised some of the coverage on social media, sharing pictures of some of the news reports. 

The hashtag “Let her rest in peace” has also gained increasing traction on Twitter.

Indian journalist Karnika Kohli shared a photo from Hindi channel Aaj Tak TV which included a bath emblazoned with the words “The Bathtub of Death”.

Others have speculated about how she died. 

Despite police ruling out suggestions of foul play, alternative conspiracy theories accompanied by the hashtag “Sridevi death mystery” have circulated on social media. 

The actor was attending her nephew’s wedding in Dubai with her husband, film producer Boney Kapoor, and daughter Khushi.

The couple reportedly went to dinner on Saturday evening, before Kapoor went to the bathroom to prepare for the evening.

After his wife failed to reappear, the Khaleej Times reported that Mr Kapoor forced entry and found her ”lying motionless in a bathtub full of water”.

Born Shree Amma Yanger Ayyapan in Sivakasi, in the state of Tamil Nadu in the south of India, Sridevi made more than 300 films in six languages, revolutionising the role of women in India’s male-dominated film industry.

Her father, Ayyapan, was a Tamil lawyer and her mother Rajeswari was a Telugu-speaker so she grew up bilingual. 

The actor, who was also a film producer, launched her film career as a child actor before going on to star in regional films in southern India and then making her Bollywood debut in the late 70’s.

The Indian government awarded her the Padma Shri – the fourth highest civilian honour – in 2013. 

Tributes for the renowned Bollywood star have poured in and thousands of mourning fans flocked on to the streets of Mumbai for her funeral.

Prime Minister Narendra Modi said: “She was a veteran of the film industry, whose long career included diverse roles and memorable performances.”

She is survived by her husband and two daughters, Jhanvi and Khushi.

منبع مطلب : http://www.independent.co.uk/news/world/asia/sridevi-latest-updates-india-cause-death-reconstruction-dubai-hotel-room-drowning-cause-post-mortem-a8233121.html

Daylight Savings 2018: When do US clocks go forward and why do we have it?

It is that time of year again when wake up calls mean sunshine and days get a bit longer. “Spring forward” to Daylight Savings Time on 11 March. 

Early risers rejoice and those of you who hit the snooze button – at least you get to do it with a bit of light in your room. 

Here’s a guide to why we change our clocks and how to cope with losing an hour of the day: 

1. When does this happen? 

Daylight Savings Time kicks in on Sunday 11 March at 2am EST/7am GMT. For those of you in the UK, you will be on British Summer Time (BST), which is labelled as GMT+1. 

The east coast of the US and UK will then only be four hours apart. 

Most mobiles these days will take care of changing automatically so rely on that if there are analogue clocks in your home.

Just to make sure though, you can click on the ‘Date and Time’ settings tab on either your Android or iPhone and make sure it is set to update on its own. 

2. How will this affect me?

According to the National Sleep Foundation, people sleep about 40 minutes less on average on the night after the switch over to Daylight Savings Time. 

Dr Harneet Walia of the Cleveland Clinic said the best way to make up for that time is to prepare yourself during the week before: “Begin by going to bed 15 to 30 minutes earlier than your usual bedtime”. 

The extra early morning sunlight will also help your body adjust but she said it is best to avoid naps over 20 minutes long to make sure your nighttime sleep is not interrupted. 

Just remember to schedule that Sunday’s events for later in the day for that one friend who will inevitably use the clock change as an excuse for being late. 

3. Why do we do this? 

Benjamin Franklin, one of the Founding Fathers of the US and a noted polymath, came up with the idea of resetting clocks during the summer in order to save energy. The practice became widespread on 21 March 1918 as a way to reduce the number of hours homes needed to use lighting and electricity. 

It became a federal law in the US in 1966, but some states opted out of observing it.

Arizona, American Samoa, Hawaii, Guam, the Northern Mariana Islands, Puerto Rico, and the US Virgin Islands do not lose an hour during their days – except for protected lands of the Navajo Native American tribe in Arizona, who do observe the time change. 

4.The Monday after 

As if Mondays weren’t hard enough, the missed sleep and harsh sunlight after a long, dark winter can throw some people off. 

A Pennsylvania State University study showed that workers spend more time than normal on the Monday after the time change surfing the web for non-work related content. Employers beware, you could take a slight hit on productivity. 

Cardiac patients take note – Americans already sleep too little compared to the rest of the world, which has a stressful effect on your heart. A 2013 study conducted by the University of Colorado showed that acute myocardial infarctions increase by 24 per cent on that Monday. 

The Journal of Applied Psychology published a 2009 study that showed an increase in workplace injuries on the Monday after Daylight Savings Time from 1983 to 2006, as well. 

5. When do we plunge back into cosy pyjamas, Netflix binges, and dark mornings? 

On Sunday 6 November 2018, you can count on just a bit more rest for your hibernating needs. 

منبع مطلب : http://www.independent.co.uk/news/world/americas/daylight-savings-2018-us-time-when-hour-forward-clocks-why-date-a8231921.html

UK weather latest: More snow and gales forecast as 'significantly disruptive' Storm Emma follows Beast from the East

Blizzards, gales and sleet are expected to blight the UK towards the latter half of the week as Storm Emma rolls in from the Atlantic.

The weather system, named by the Portuguese Met Service, is set to hit the UK after the so-called “Beast from the East” blanketed large swathes of the UK with snow.

The Met Office issued a red warning for snow for central Scotland on Wednesday that was extended to 10am on Thursday morning.

Forecaster Craig Snell said that although Thursday marks the first day of meteorological spring, “winter is still firmly in charge across the UK”.

He also warned that extreme weather will grip Britain for another 48 hours.

Drivers were advised to avoid travelling to or from Scotland, with Traffic Scotland telling people to ask themselves whether their journey was “worth risking lives for” before they set out.

Drivers on the snow-covered and traffic-jammed M80 on Wednesday evening abandoned their cars, fearing an overnight stay in their cars 

First minister Nicola Sturgeon said in a Twitter post police were working to get the traffic moving again and provide people with emergency care and supploed..

“This is a very difficult situation but everything possible is being done,” she said.

Storm Emma, which has worked its way across Europe and was due to last at least until Friday, was expected to be “significantly disruptive”, bringing the risk of power cuts and transport delays.

An amber warning for snow was in place for most of Scotland, Wales and the southwest of England on Thursday.

Yellow warnings for snow were in place for most of the UK, accompanied by strong winds in southern England and Wales.

“There is the possibility of travel delays on roads, stranding some vehicles and passengers, and delays or cancellations to rail and air travel,” the Met Office said.

“Some rural communities could become or remain cut off. Power cuts may occur and other services, such as mobile phones, may be affected.”

Severe weather caused major travel disruption across the UK and Ireland on Tuesday under the weather system known as the “Beast from the East”.

Road closures, stranded vehicles and cancellations were widespread due to snow and ice.

Services on trains and planes were disrupted, with travellers urged to check with their transport provider before setting off on journeys.

Meanwhile, hundreds of schools across Britain were closed for a second day.

The so-called Beast from the East weather system brought biting cold to the country, as a man died after falling into a freezing lake in a London park.

Across the Irish Sea late on Wednesday, forecasters in Ireland put the entire country under their highest weather warning red alert.

The decision was taken by Met Eireann at 11pm over the threat of snow and ice and it runs until Friday at 3pm.

“Blizzard conditions will develop from the south on Thursday afternoon and evening as heavy snow and strong easterly winds bring snow drifts northwards over the country,” Met Eireann said.

“Eastern and southerly counties will be worst affected.”

Up to 25cm of snow is expected in some areas, with predictions that accumulations could hit 40cm.

منبع مطلب : http://www.independent.co.uk/news/uk/home-news/uk-weather-latest-updates-snow-storm-emma-travel-trains-cancelled-roads-a8233836.html

Plastic liberals vs conservative stick-in-the-muds: The debate around artificial pitches which isn't going away

The Professional Footballers’ Association quietly carried out a survey this season, speaking to more than a thousand players from the Championship to League Two, to find out their thoughts on a debate simmering in the National League beneath them. The question: should artificial pitches be used in English football?

Before we get to the result, some context. Sutton United are currently second in the National League and closing in on a surprise promotion to League Two. They play on an artificial surface, and under current rules they would face a choice should they achieve that promotion: switch to grass and go up, or stay on 3G and be punished with relegation to National League South.

This severe penalty was introduced to deter clubs who might be intent on keeping their lucrative 3G pitch from rejecting promotion; the National League is in early talks with the English Football League over creating a third promotion place to League Two, and does not want those discussions to be soured by an end-of-season diplomatic incident.

Under increasing pressure from clubs like Sutton, artificial pitches are back on the EFL’s agenda, and will be discussed in June with a view to allowing them in the 2019-20 season. There is still plenty of opposition, ranging from vehemence to indifference, but speak to people at Sutton or fellow artificial converts Maidstone United, and the benefits of 3G are obvious.

“We went one winter without being able to play a home game for seven weeks,” says Sutton chairman Bruce Elliott. “Now our pitch is used by 800 players a week: first team, academy teams, ladies, disability teams. It brings a togetherness. Average attendances have increased [from around 700 to over 2,000]. It’s wonderful.”

Opening the pitch to the community also generates crucial income: Maidstone co-owner Oliver Ash cites an annual revenue increase of around £500,000 for a National League club investing in 3G, when taking into account the knock-on effects of community engagement leading to increased attendances. He adds that the benefits of inspiring youngsters who use the stadium were “unquantifiable”. 

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Recently two north London giants had conflicting experiences: Tottenham played on Rochdale’s Spotland pitch, relaid at a cost of £500,000 in the buildup after Mauricio Pochettino labelled the previous surface, more akin to some arable Mediterranean land than a football pitch, “a danger”; a few days earlier, Arsenal had played on the high-tech artificial surface of Ostersunds FK, which performed impressively, catering for the finely-tuned talents of Mesut Ozil and Henrikh Mkhitaryan talents, and the delicate limbs of Danny Welbeck

Arsene Wenger was suitably impressed, but said it will never be seen in the English professional game. “The pitch was good but no, I don’t think it works in England,” he said. “I believe we have good groundsman. And I prefer grass.” So agrees almost everyone at the top of the game, where pitches are carpets and money is suffixed with an M. But Rochdale would not have needed to spend the equivalent of three times their record signing to host Spurs had they played on a 3G pitch.

It has become a political football match along eerily familiar fault lines, liberal plastic luvvies against conservative sceptics. Standing in the artificial half are many smaller clubs, the Football Association (3G is allowed in the FA Cup) and a raft of grassroots organisations sick of seeing matches played out on muddy swamps, or called off. Standing on the lush grass opposite are primarily the bigger clubs of the Championship and League One – and the PFA.

The result of the PFA’s survey? Ninety-Four per cent of players are against artificial pitches.

The PFA’s assistant chief executive, Steven Barker, told The Independent that players have three primary concerns: increased fatigue, increased likelihood of injury (and the subsequent shortening of careers), and the more direct style of football that artificial surfaces are perceived to promote. 

The science behind the health and safety stigma is fiercely debated, but mud sticks. When the politics is over, it will be the players out on the pitch and their views will count for an awful lot. 

Elliott added a telling anecdote. Before Sutton hosted Arsenal in the FA Cup last year, the world’s media flocked to Gander Green Lane to watch a training session and conduct pre-match interviews. At the other end of the field, while the journalists and cameramen jostled for position, a group of wide-eyed kids were enjoying a soccer schools day, on the same pitch Alexis Sanchez would grace a few days later. Several visitors told him they’d never seen anything like it before.

Both Elliott and Ash are convinced opinions will eventually change, stigmas will dissipate, rules will be overturned. They just don’t know when. 

منبع مطلب : http://www.independent.co.uk/sport/football/football-league/artificial-pitches-english-football-league-sutton-united-maidstone-united-3g-a8233561.html

Hope Hicks resigns: The Trump administration officials who have left since he took office

The exit of White House Communications Director Hope Hicks is only the latest departure for an administration that has churned through senior staff.

President Donald Trump has been in office for a little over a year, and in that time the makeup of his inner circle, and other areas of his administration, has changed dramatically.

Below is a list of the people who have left so far:

Hope Hicks

Before her decision to leave the administration, Ms Hicks had been Mr Trump’s longest-serving aide, according to the White House. She signed on back when Mr Trump’s candidacy was widely seen as a long shot.

Steve Bannon

A key architect of Mr Trump’s presidential campaign, the former Breitbart news head cast himself as the guardian of Mr Trump’s populist platform. While the White House cast Mr Bannon’s August 2017 decision to leave the administration as amicable, the relationship between Mr Trump and Mr Bannon disintegrated upon publication of a book that quoted Mr Bannon disparaging the President’s family. 

Reince Priebus

The President’s decision to make this former Republican National Committee chair his chief of staff was seen as building a bridge to a Republican establishment that had largely rejected Mr Trump. But the President was said to chafe at Mr Priebus, who resigned in July of 2017.

Michael Flynn

Mr Trump’s initial National Security Adviser lasted less than a month. Mr Flynn resigned after it emerged he had lied about his conversations with Russia’s ambassador to the US. Mr Flynn later pleaded guilty to lying to the FBI about discussions with then-Ambassador Sergey Kislyak.

Rob Porter

Described as a stabilising influence in a chaotic White House, the former Staff Secretary resigned in early February after his ex-wives publicly alleged he had physically abused them. Mr Porter has denied their claims as false.

Sally Yates

The President dismissed Ms Yates from her post as acting Attorney General in January after she refused to defend his first ban on refugees and travellers from Muslim-majority countries.

Katie Walsh

After an early effort to repeal Barack Obama’s healthcare law ended in defeat, Ms Walsh – then Mr Trump’s deputy chief of staff and an ally of Mr Priebus – left the White House for a job with the pro-Trump outside organisation America First Policies.

Tom Price

The former Health and Human Services Secretary stepped aside in September of 2017 after reports revealed he had traveled using chartered flights that cost hundreds of thousands of dollars.

Brenda Fitzgerald

Running the Centers for Disease Control and Prevention (CDC) and investing heavily in the tobacco industry, whose products are a leading cause of preventable death, represented too great a conflict for Ms Fiztgerald to stay in the CDC job. She stepped down in January of 2018.

Anthony Scaramucci

Blink and you might have missed Mr Scaramucci’s brief tenure. He was fired by Chief of Staff John Kelly in July of 2018, days after he launched into a profanity-laced tirade blasting other administration members during a phone call with a reporter.

Sean Spicer 

The Trump administration’s first Press Secretary resigned in July of 2017, about a week before the ouster of Mr Priebus, after objecting to the appointment of Mr Scaramucci.

Michael Dubke

Yet another former member of the Trump White House’s communications team, Mr Dubke resigned from his post as communications director in May of 2017.

Michael Short

Mr Scaramucci appeared to preview the departure of Mr Short, a press aide, telling POLITICO in July of 2015 he planned to fire Mr Short in an effort to stem the flow of leaks. He resigned shortly thereafter.

James Comey

The decision to dismiss Mr Comey as FBI director in May of 2017 was one of the most consequential of Mr Trump’s presidency. A little over a week after Mr Trump fired Mr Comey, citing his unhappiness with a investigation into Russian interference in the 2016 election, former FBI director Robert Mueller was appointed Special Counsel overseeing the probe.

Andrew McCabe

Mr Come was not the only FBI official who failed to survive Mr Trump’s first term. Acting FBI director Andrew McCabe stepped down in January amid mounting criticism – including from the President – of how his agency was handling the Russia probe. He announced his retirement in late January of 2018.

Sebastian Gorka

A former deputy assistant to the President, Mr Gorka greeted his August 2017 ouster with a letter warning darkly of internal “forces that do not support the MAGA promise”, a reference to Mr Trump’s populist “Make America Great Again” campaign slogan.

Walter Shaub

Former White House ethics directors from prior administrations have not been shy about denouncing what they call the Trump administration’s glaring conflicts of interest, even joining a lawsuit over the President’s private business empire. After stepping down as White House ethics director in July of 2017, Mr Shaub has similar emerged as a vocal critic.

Omirosa Manigault Newman

After first establishing a connection to Mr Trump as a contestant on the Apprentice, Ms Newman landed a job as an aide in the White House. Official explanations for her departure have shifted: the White House said in December of 2017 she had resigned, then shifted in February of 2018 to “we let her go”.

Derek Harvey

Tapped by Mr Flynn to serve on the National Security Council, Mr Harvey resigned in July of 2017.

Dina Powell

A deputy national security adviser who specialised in the Middle East, Ms Powell announced in December of 2017 she would be resigning in early 2018. Administration officials said it had always been her plan to depart after one year of service.

منبع مطلب : http://www.independent.co.uk/news/world/americas/us-politics/list-people-resigned-donald-trump-administration-white-house-hope-hicks-a8233811.html