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What is the Difference Between Homework and Assignment

The main difference between homework and assignment is that homework is a task or a work assigned to a student generally by a teacher to be completed outside the classroom setting, most probably at home, while an assignment is a task assigned to a student to be completed within the course of a particular study.

Assignments and homework vary from one another due to a wide range of distinctive elements such as the objective or the purpose of the task, main functions, and the benefits received.

Key Areas Covered

1.  What is Homework     – Definition, Features 2.  What is Assignment      – Definition, Features 3.  Similarities Between Homework and Assignment      – Outline of Common Characteristics 4.  Difference Between Homework and Assignment     – Comparison of Key Differences

What is Homework

Homework refers to the tasks assigned to the students by the schoolteachers.  They expect students to carry out the task during non-school hours. Teachers often give homework to complete at home in order to make their students practice the learning material already taught. Their aim is to reinforce learning and facilitate the mastery of specific competencies and skills .

Sometimes, a student might get preparation assignments as homework. The purpose of such homework is to introduce the student to the study material that the teacher will present in future lessons. Furthermore, it would help students to obtain the maximum benefit once the new material is being taught in class.

On the other hand, homework sometimes facilitates the transfer of previously acquired skills to new situations. For example, the students might learn in class about factors that led to World war I. Then, as homework, the teacher would ask the students to find out the factors that led to World war II. Here, the teacher gives an integration homework, which requires the student to apply separately learned skills to create a single product, such as science projects, newspaper reports, or creative writing.

In addition, homework can be used to build up proper communication between parents and children, as a constructive method of punishment and also to make the parents aware of what is happening in school.

What is Assignment

If you are a student, you might think that it is not your responsibility to learn by yourself; rather, it is the job of the teacher to teach you. But, a teacher cannot teach every little thing in a particular unit or subject to the students.

Such a spoon-feeding method of imparting knowledge can negatively influence the learning capabilities and the academic career of a student. Especially in academic establishments such as colleges or universities, teachers expect the students do some research to grasp the untaught concepts and to explore the subject on their own instead of teaching everything to the students using a lecture method.

The actual purpose of giving assignments is to enhance the learning skills of the students.  This enables the students to occupy their brains more and more. Academic assignments improve the creativity of the students as they naturally acquire and learn a lot when they read or practice a subject or art on their own.  Therefore, the main reason for giving assignments is to provide the student with a platform to practice and explore knowledge about a subject on their own.

Similarities Between Homework and Assignment

• Both aim at enhancing the learning skills of the students.
• Teachers or professors assign them to the students.
• It is possible to grade both homework and assignments.

Difference Between Homework and Assignment

Homework is a work or a task assigned to a student by a teacher to be completed during a non-school hour, whereas an assignment is a task assigned to a student in the course of study. In contrast to homework, an assignment usually provides the student with a clue about the objectives of the assigned task.

The main purpose of an assignment is to help a student understand the studying process well. In contrast,  homework basically helps the student to improve his/her skills.

Main Function

An assignment can be used to figure out what should be taught, while homework is basically used to identify the challenges encountered by students on a particular topic. 

Some advantages of assignments include supporting students to revise a particular topic and boosting the students’ confidence, whereas homework becomes helpful in understanding a specific topic and when preparing for an exam.

In brief, the main difference between homework and assignment is that homework is assigned to be completed outside the classroom while assignments are assigned to be completed within the course of a particular study. Nonetheless, no matter how beneficial they can be, for most students, homework and assignments are a massive source of unhappiness and irritation.

1. Levy, Sandra. “ Why Homework Is Bad: Stress and Consequences .” Healthline , Healthline Media.

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About the Author: Anuradha

Anuradha has a BA degree in English, French, and Translation studies. She is currently reading for a Master's degree in Teaching English Literature in a Second Language Context. Her areas of interests include Arts and Literature, Language and Education, Nature and Animals, Cultures and Civilizations, Food, and Fashion.

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Understanding Assignments

What this handout is about.

The first step in any successful college writing venture is reading the assignment. While this sounds like a simple task, it can be a tough one. This handout will help you unravel your assignment and begin to craft an effective response. Much of the following advice will involve translating typical assignment terms and practices into meaningful clues to the type of writing your instructor expects. See our short video for more tips.

Basic beginnings

Regardless of the assignment, department, or instructor, adopting these two habits will serve you well :

• Read the assignment carefully as soon as you receive it. Do not put this task off—reading the assignment at the beginning will save you time, stress, and problems later. An assignment can look pretty straightforward at first, particularly if the instructor has provided lots of information. That does not mean it will not take time and effort to complete; you may even have to learn a new skill to complete the assignment.
• Ask the instructor about anything you do not understand. Do not hesitate to approach your instructor. Instructors would prefer to set you straight before you hand the paper in. That’s also when you will find their feedback most useful.

Assignment formats

Many assignments follow a basic format. Assignments often begin with an overview of the topic, include a central verb or verbs that describe the task, and offer some additional suggestions, questions, or prompts to get you started.

An Overview of Some Kind

The instructor might set the stage with some general discussion of the subject of the assignment, introduce the topic, or remind you of something pertinent that you have discussed in class. For example:

“Throughout history, gerbils have played a key role in politics,” or “In the last few weeks of class, we have focused on the evening wear of the housefly …”

The Task of the Assignment

Pay attention; this part tells you what to do when you write the paper. Look for the key verb or verbs in the sentence. Words like analyze, summarize, or compare direct you to think about your topic in a certain way. Also pay attention to words such as how, what, when, where, and why; these words guide your attention toward specific information. (See the section in this handout titled “Key Terms” for more information.)

“Analyze the effect that gerbils had on the Russian Revolution”, or “Suggest an interpretation of housefly undergarments that differs from Darwin’s.”

Additional Material to Think about

Here you will find some questions to use as springboards as you begin to think about the topic. Instructors usually include these questions as suggestions rather than requirements. Do not feel compelled to answer every question unless the instructor asks you to do so. Pay attention to the order of the questions. Sometimes they suggest the thinking process your instructor imagines you will need to follow to begin thinking about the topic.

“You may wish to consider the differing views held by Communist gerbils vs. Monarchist gerbils, or Can there be such a thing as ‘the housefly garment industry’ or is it just a home-based craft?”

These are the instructor’s comments about writing expectations:

“Be concise”, “Write effectively”, or “Argue furiously.”

Technical Details

These instructions usually indicate format rules or guidelines.

“Your paper must be typed in Palatino font on gray paper and must not exceed 600 pages. It is due on the anniversary of Mao Tse-tung’s death.”

The assignment’s parts may not appear in exactly this order, and each part may be very long or really short. Nonetheless, being aware of this standard pattern can help you understand what your instructor wants you to do.

Interpreting the assignment

Ask yourself a few basic questions as you read and jot down the answers on the assignment sheet:

Why did your instructor ask you to do this particular task?

Who is your audience.

• What kind of evidence do you need to support your ideas?

What kind of writing style is acceptable?

• What are the absolute rules of the paper?

Try to look at the question from the point of view of the instructor. Recognize that your instructor has a reason for giving you this assignment and for giving it to you at a particular point in the semester. In every assignment, the instructor has a challenge for you. This challenge could be anything from demonstrating an ability to think clearly to demonstrating an ability to use the library. See the assignment not as a vague suggestion of what to do but as an opportunity to show that you can handle the course material as directed. Paper assignments give you more than a topic to discuss—they ask you to do something with the topic. Keep reminding yourself of that. Be careful to avoid the other extreme as well: do not read more into the assignment than what is there.

Of course, your instructor has given you an assignment so that they will be able to assess your understanding of the course material and give you an appropriate grade. But there is more to it than that. Your instructor has tried to design a learning experience of some kind. Your instructor wants you to think about something in a particular way for a particular reason. If you read the course description at the beginning of your syllabus, review the assigned readings, and consider the assignment itself, you may begin to see the plan, purpose, or approach to the subject matter that your instructor has created for you. If you still aren’t sure of the assignment’s goals, try asking the instructor. For help with this, see our handout on getting feedback .

Given your instructor’s efforts, it helps to answer the question: What is my purpose in completing this assignment? Is it to gather research from a variety of outside sources and present a coherent picture? Is it to take material I have been learning in class and apply it to a new situation? Is it to prove a point one way or another? Key words from the assignment can help you figure this out. Look for key terms in the form of active verbs that tell you what to do.

Key Terms: Finding Those Active Verbs

Here are some common key words and definitions to help you think about assignment terms:

Information words Ask you to demonstrate what you know about the subject, such as who, what, when, where, how, and why.

• define —give the subject’s meaning (according to someone or something). Sometimes you have to give more than one view on the subject’s meaning
• describe —provide details about the subject by answering question words (such as who, what, when, where, how, and why); you might also give details related to the five senses (what you see, hear, feel, taste, and smell)
• explain —give reasons why or examples of how something happened
• illustrate —give descriptive examples of the subject and show how each is connected with the subject
• summarize —briefly list the important ideas you learned about the subject
• trace —outline how something has changed or developed from an earlier time to its current form
• research —gather material from outside sources about the subject, often with the implication or requirement that you will analyze what you have found

Relation words Ask you to demonstrate how things are connected.

• compare —show how two or more things are similar (and, sometimes, different)
• contrast —show how two or more things are dissimilar
• apply—use details that you’ve been given to demonstrate how an idea, theory, or concept works in a particular situation
• cause —show how one event or series of events made something else happen
• relate —show or describe the connections between things

Interpretation words Ask you to defend ideas of your own about the subject. Do not see these words as requesting opinion alone (unless the assignment specifically says so), but as requiring opinion that is supported by concrete evidence. Remember examples, principles, definitions, or concepts from class or research and use them in your interpretation.

• assess —summarize your opinion of the subject and measure it against something
• prove, justify —give reasons or examples to demonstrate how or why something is the truth
• evaluate, respond —state your opinion of the subject as good, bad, or some combination of the two, with examples and reasons
• support —give reasons or evidence for something you believe (be sure to state clearly what it is that you believe)
• synthesize —put two or more things together that have not been put together in class or in your readings before; do not just summarize one and then the other and say that they are similar or different—you must provide a reason for putting them together that runs all the way through the paper
• analyze —determine how individual parts create or relate to the whole, figure out how something works, what it might mean, or why it is important
• argue —take a side and defend it with evidence against the other side

More Clues to Your Purpose As you read the assignment, think about what the teacher does in class:

• What kinds of textbooks or coursepack did your instructor choose for the course—ones that provide background information, explain theories or perspectives, or argue a point of view?
• In lecture, does your instructor ask your opinion, try to prove their point of view, or use keywords that show up again in the assignment?
• What kinds of assignments are typical in this discipline? Social science classes often expect more research. Humanities classes thrive on interpretation and analysis.
• How do the assignments, readings, and lectures work together in the course? Instructors spend time designing courses, sometimes even arguing with their peers about the most effective course materials. Figuring out the overall design to the course will help you understand what each assignment is meant to achieve.

Now, what about your reader? Most undergraduates think of their audience as the instructor. True, your instructor is a good person to keep in mind as you write. But for the purposes of a good paper, think of your audience as someone like your roommate: smart enough to understand a clear, logical argument, but not someone who already knows exactly what is going on in your particular paper. Remember, even if the instructor knows everything there is to know about your paper topic, they still have to read your paper and assess your understanding. In other words, teach the material to your reader.

Aiming a paper at your audience happens in two ways: you make decisions about the tone and the level of information you want to convey.

• Tone means the “voice” of your paper. Should you be chatty, formal, or objective? Usually you will find some happy medium—you do not want to alienate your reader by sounding condescending or superior, but you do not want to, um, like, totally wig on the man, you know? Eschew ostentatious erudition: some students think the way to sound academic is to use big words. Be careful—you can sound ridiculous, especially if you use the wrong big words.
• The level of information you use depends on who you think your audience is. If you imagine your audience as your instructor and they already know everything you have to say, you may find yourself leaving out key information that can cause your argument to be unconvincing and illogical. But you do not have to explain every single word or issue. If you are telling your roommate what happened on your favorite science fiction TV show last night, you do not say, “First a dark-haired white man of average height, wearing a suit and carrying a flashlight, walked into the room. Then a purple alien with fifteen arms and at least three eyes turned around. Then the man smiled slightly. In the background, you could hear a clock ticking. The room was fairly dark and had at least two windows that I saw.” You also do not say, “This guy found some aliens. The end.” Find some balance of useful details that support your main point.

You’ll find a much more detailed discussion of these concepts in our handout on audience .

The Grim Truth

With a few exceptions (including some lab and ethnography reports), you are probably being asked to make an argument. You must convince your audience. It is easy to forget this aim when you are researching and writing; as you become involved in your subject matter, you may become enmeshed in the details and focus on learning or simply telling the information you have found. You need to do more than just repeat what you have read. Your writing should have a point, and you should be able to say it in a sentence. Sometimes instructors call this sentence a “thesis” or a “claim.”

So, if your instructor tells you to write about some aspect of oral hygiene, you do not want to just list: “First, you brush your teeth with a soft brush and some peanut butter. Then, you floss with unwaxed, bologna-flavored string. Finally, gargle with bourbon.” Instead, you could say, “Of all the oral cleaning methods, sandblasting removes the most plaque. Therefore it should be recommended by the American Dental Association.” Or, “From an aesthetic perspective, moldy teeth can be quite charming. However, their joys are short-lived.”

Convincing the reader of your argument is the goal of academic writing. It doesn’t have to say “argument” anywhere in the assignment for you to need one. Look at the assignment and think about what kind of argument you could make about it instead of just seeing it as a checklist of information you have to present. For help with understanding the role of argument in academic writing, see our handout on argument .

What kind of evidence do you need?

There are many kinds of evidence, and what type of evidence will work for your assignment can depend on several factors–the discipline, the parameters of the assignment, and your instructor’s preference. Should you use statistics? Historical examples? Do you need to conduct your own experiment? Can you rely on personal experience? See our handout on evidence for suggestions on how to use evidence appropriately.

Make sure you are clear about this part of the assignment, because your use of evidence will be crucial in writing a successful paper. You are not just learning how to argue; you are learning how to argue with specific types of materials and ideas. Ask your instructor what counts as acceptable evidence. You can also ask a librarian for help. No matter what kind of evidence you use, be sure to cite it correctly—see the UNC Libraries citation tutorial .

You cannot always tell from the assignment just what sort of writing style your instructor expects. The instructor may be really laid back in class but still expect you to sound formal in writing. Or the instructor may be fairly formal in class and ask you to write a reflection paper where you need to use “I” and speak from your own experience.

Try to avoid false associations of a particular field with a style (“art historians like wacky creativity,” or “political scientists are boring and just give facts”) and look instead to the types of readings you have been given in class. No one expects you to write like Plato—just use the readings as a guide for what is standard or preferable to your instructor. When in doubt, ask your instructor about the level of formality they expect.

No matter what field you are writing for or what facts you are including, if you do not write so that your reader can understand your main idea, you have wasted your time. So make clarity your main goal. For specific help with style, see our handout on style .

Technical details about the assignment

The technical information you are given in an assignment always seems like the easy part. This section can actually give you lots of little hints about approaching the task. Find out if elements such as page length and citation format (see the UNC Libraries citation tutorial ) are negotiable. Some professors do not have strong preferences as long as you are consistent and fully answer the assignment. Some professors are very specific and will deduct big points for deviations.

Usually, the page length tells you something important: The instructor thinks the size of the paper is appropriate to the assignment’s parameters. In plain English, your instructor is telling you how many pages it should take for you to answer the question as fully as you are expected to. So if an assignment is two pages long, you cannot pad your paper with examples or reword your main idea several times. Hit your one point early, defend it with the clearest example, and finish quickly. If an assignment is ten pages long, you can be more complex in your main points and examples—and if you can only produce five pages for that assignment, you need to see someone for help—as soon as possible.

Tricks that don’t work

Your instructors are not fooled when you:

• spend more time on the cover page than the essay —graphics, cool binders, and cute titles are no replacement for a well-written paper.
• use huge fonts, wide margins, or extra spacing to pad the page length —these tricks are immediately obvious to the eye. Most instructors use the same word processor you do. They know what’s possible. Such tactics are especially damning when the instructor has a stack of 60 papers to grade and yours is the only one that low-flying airplane pilots could read.
• use a paper from another class that covered “sort of similar” material . Again, the instructor has a particular task for you to fulfill in the assignment that usually relates to course material and lectures. Your other paper may not cover this material, and turning in the same paper for more than one course may constitute an Honor Code violation . Ask the instructor—it can’t hurt.
• get all wacky and “creative” before you answer the question . Showing that you are able to think beyond the boundaries of a simple assignment can be good, but you must do what the assignment calls for first. Again, check with your instructor. A humorous tone can be refreshing for someone grading a stack of papers, but it will not get you a good grade if you have not fulfilled the task.

Critical reading of assignments leads to skills in other types of reading and writing. If you get good at figuring out what the real goals of assignments are, you are going to be better at understanding the goals of all of your classes and fields of study.

You may reproduce it for non-commercial use if you use the entire handout and attribute the source: The Writing Center, University of North Carolina at Chapel Hill

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Home Assignments

What are home assignments.

• Individually defined activities to do at home in-between sessions
• An opportunity to practice new skills, strategies or knowledge as applicable to an individual’s everyday life
• Practice of new skills or knowledge independently or with natural supports
• A step towards person-centered and identified goals
• A specific and practical plan to practice a skill, achieve a step towards a goal
• An opportunity for the individual to build confidence in their ability to learn new skills.

How are Home Assignments Developed?

• Determined and developed by the individual at the end of each session with the support of the practitioner (and other group members if applicable)
• Ensuring a connection between the home assignment and each client’s identified goals
• Created with a practical and specific plan to help ensure success
• Always developed with the individual’s context and available support system in mind
• Asking the client at the end of the session, “What was helpful to you about we discussed/practiced today?” and “How could you practice that at home?”

Client Scenario 1

Example: You are working with Ed, an individual who has identified a goal of exercising regularly as a strategy to reduce his symptoms of depression, tendency to isolate and increase his sense of physical and mental well-being.

Practitioner: “You have identified exercise as a new strategy to enhance your well-being. Let’s make a plan for how you might take a step towards this goal. What type of exercise have you done over the past month?” (Note that the practitioner is supporting Ed’s self-determined goal and helping him identify a practical strategy by asking him specifically what kind of exercise he engages in.)

Client: “I have gone on a walk around my neighborhood. I liked that, so I could do that again.”

Practitioner: “Great! What day this week will you plan to take a walk around your neighborhood? How long will you walk for?” (Note that the practitioner is again supporting Ed’s goal and now is helping him develop a specific and practical plan and first step to achieve this goal.)

Client: “Next Tuesday for 20 minutes.”

Practitioner: “In the past you have mentioned walking outside feels scary to you. What time of the day are you planning to go for a walk, such as the daytime?” (Note: Practitioner is helping identify possible barriers and encouraging Ed to identify practical strategies to help ensure success.)

Client: “I have an appointment later in the afternoon so I could go on my walk in the morning, maybe around 9am.” (Note: Ed came up with his own solution. Another idea, if he had struggled a bit, would be to suggest involving his support system and have a friend or family member join him on his walk.)

Practitioner: “That’s great. Why don’t we write that down as a reminder you can put on your refrigerator?”

Client Scenario 2

You have been working with Susan on different social supports and resources that are available to her in her community. Last week she determined that her home assignment would be to attend an intake at a Community Support Program (CSP) down the street.

Practitioner: “Were you able to go to the CSP intake like we talked about last week?” (Note: The practitioner is reviewing the home practice at the beginning of the session to see how it went and problem solve, if needed.)

Client: “Yes, but I don’t think I want to go back. I don’t know.”

Practitioner: “Good work! Going to the intake was a big step. It would be helpful for me to understand more about why you don’t want to go back. Could we take a minute for you to show me what happened when you went into the intake?” (Note: Practitioner is praising Sue’s efforts and providing encouragement.)

Client: “I guess. The man asked me a lot of questions and I felt embarrassed.”

Practitioner: “I can see how you might feel that way. I know that we are going to be talking more about starting a conversation today in our session and I wanted to see if you would be willing to show me how the intake person was asking you questions so we can help you feel more comfortable in those situations.” (Note: Practitioner is using role-play to troubleshoot the difficulty Susan encountered.)

Client: “Yes, I guess I could do that.”

Practitioner: “I see you have a calendar of events and groups from the CSP with you today, can we take a look at that together? Is there anything going on next week that you might be interested in?”

Client: “Next Wednesday there is a knitting group. I used to knit and liked it, maybe I could go to that.”

Tips for Troubleshooting

• Praise all efforts, no matter how small the success may seem
• Using a different term to describe home assignments such as home practice, recovery assignment, or just trying something at home
• Practicing the home assignment in session using a role-play might help to troubleshoot and tailor the assignment to increase successful attempts
• Review home assignment attempts at the beginning of each session and spend time discussing and problem solving any difficulties
• Personalizing the home assignment by making it relevant to the client’s goals or current concerns
• If difficulties are encountered, work to shape and break the assignment down into smaller, more achievable steps.

The Center for Practice Transformation is sponsored by funds from the Minnesota Department of Human Services Adult Mental Health Division and Alcohol and Drug Abuse Division.

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Definition of homework

Examples of homework in a sentence.

These examples are programmatically compiled from various online sources to illustrate current usage of the word 'homework.' Any opinions expressed in the examples do not represent those of Merriam-Webster or its editors. Send us feedback about these examples.

Word History

1662, in the meaning defined at sense 1

Dictionary Entries Near homework

Cite this entry.

“Homework.” Merriam-Webster.com Dictionary , Merriam-Webster, https://www.merriam-webster.com/dictionary/homework. Accessed 3 May. 2024.

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Assignment Definition

Investing Strategy , Jargon, Legal, Terminology, Title

Table of Contents

• What Is an Assignment?
• What is an Assignment in Real Estate?
• What Does it Mean to Assign a Contract in Real Estate?
• How Does a Contract Assignment Work?
• Pros and Cons of Assigning Contracts

REtipster does not provide legal advice. The information in this article can be impacted by many unique variables. Always consult with a qualified legal professional before taking action.

An assignment or assignment of contract is a way to profit from a real estate transaction without becoming the owner of the property.

The assignment method is a standard tool in a real estate wholesaler’s kit and lowers the barrier to entry for a real estate investor because it does not require the wholesaler to use much (or any) of their own money to profit from a deal.

Contract assignment is a common wholesaling strategy where the seller and the wholesaler (acting as a middleman in this case) sign an agreement giving the wholesaler the sole right to buy a property at a specified price, within a certain period of time.

The wholesaler then finds another buyer and assigns the contract to him or her. The wholesaler isn’t selling the property to the end buyer because the wholesaler never takes title to the property during the process. The wholesaler is simply selling the contract, which gives the end buyer the right to buy the property in accordance with the original purchase agreement.

In doing this, the wholesaler can earn an assignment fee for putting the deal together.

Some states require a real estate wholesaler to be a licensed real estate agent, and the assignment strategy can’t be used for HUD homes and REOs.

The process for assigning a contract follows some common steps. In summary, it looks like this:

• Find the right property.
• Get a purchase agreement signed.
• Find an end buyer.
• Assign the contract.
• Close the transaction and collect your assignment fee.

We describe each step in the process below.

1. Find the Right Property

This is where the heavy lifting happens—investors use many different marketing tactics to find leads and identify properties that work with their investing strategy. Typically, for wholesaling to work, a wholesaler needs a motivated seller who wants to unload the property as soon as possible. That sense of urgency works to the wholesaler’s advantage in negotiating a price that will attract buyers and cover their assignment fee.

RELATED: What is “Driving for Dollars” and How Does It Work?

2. Get a Purchase Agreement Signed

Once a motivated seller has agreed to sell their property at a discounted price, they will sign a purchase agreement with the wholesaler. The purchase agreement needs to contain specific, clear language that allows the wholesaler (for example, you) to assign their rights in the agreement to a third party.

Note that most standard purchase agreements do not include this language by default. If you plan to assign this contract, make sure this language is included. You can consult an attorney to cover the correct verbiage in a way that the seller understands it.

RELATED: Wholesaling Made Simple! A Comprehensive Guide to Assigning Contracts

This can’t be stressed enough: It’s extremely important for a wholesaler to communicate with their seller about their intent to assign the contract. Many sellers are not familiar with the assignment process, so if the role of the buyer is going to change along the way, the seller needs to be aware of this on or before they sign the original purchase agreement.

3. Find an End Buyer

This is the other half of a wholesaler’s job—marketing to find buyers. Once they find an end buyer, the wholesaler can assign the contract to the new party and work with the original seller and the end buyer to schedule a closing date.

4. Assign the Contract

Assigning the contract works through a simple assignment agreement. This agreement allows the end buyer to step into the wholesaler’s shoes as the buyer in the original contract.

In other words, this document “replaces” the wholesaler with the new end buyer.

Most assignment contracts include language for a nonrefundable deposit from the end buyer, which protects the wholesaler if the buyer backs out. While you can download assignment contract templates online, most experts recommend having an attorney review your contracts. The assignment wording has to be precise and comply with applicable local laws to protect you from issues down the road.

5. Close the Transaction and Collect the Assignment Fee

Finally, you will receive your assignment fee (or wholesale fee) when the end buyer closes the deal.

The assignment fee is often the difference between the original purchase price (the price that the seller agreed with the wholesaler) and the end buyer’s purchase price (the price the wholesaler agreed with the end buyer), but it can also be a percentage of it or even a flat amount.

According to UpCounsel, most contract assignments are done for about $5,000, although depending on the property and the market, it could be higher or lower.

IMPORTANT: the end buyer will see precisely how much the assignment fee is. This is because they must sign two documents that show the original price and the assignment fee: the closing statement and the assignment agreement, respectively, to close the transaction.

In many cases, if the assignment fee is a reasonable amount relative to the purchase price, most buyers won’t take any issue with the wholesaler taking their fee—after all, the wholesaler made the deal happen, and it’s compensation for their efforts. However, if the assignment fee is too big (such as the wholesaler taking $20,000 from an original purchase price of $10,000, while the end buyer buys it for $50,000), it may ruffle some feathers and lead to uncomfortable questions.

In these instances where the wholesaler has a substantially higher profit margin, a wholesaler can instead do a double closing . In a double closing, the wholesaler closes two separate deals (one with the seller and another with the buyer) on the same day, but the seller and buyer cannot see the numbers and overall profit margin the wholesaler makes between the two transactions. This makes a double closing a much safer way to conclude a transaction.

Assigning contracts is a way to lower the barrier to entry for many new real estate investors; because they don’t need to put up their own money to buy a property or assume any risk in financing a deal.

The wholesaler isn’t part of the title chain, which streamlines the process and avoids the hassle of closing two times. Compared to the double-close strategy, assignment contracts require less paperwork and are usually less costly (because there is only one closing occurring, rather than two separate transactions).

On the downside, the wholesaler has to sell the property as-is, because they don’t own it at any point and they cannot make repairs or renovations to make the property look more attractive to a potential buyer. Financing may be much more difficult for the end buyer because many mortgage lenders won’t work with assigned contracts. Purchase Agreements also have expiration dates, which means the wholesaler has a limited window of time to find an end buyer and get the deal done.

Being successful with assignment contracts usually comes down to excellent marketing, networking, and communication between all parties involved. It’s all about developing strategies to find the right properties and having a solid network of investors you can assign them to quickly.

It’s also critical to be aware of any applicable laws in the jurisdiction where the wholesaler is working and holding any licenses required for these kinds of real estate transactions.

Related terms

Double closing, wholesaling (real estate wholesaling), transactional funding.

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Example sentences homework assignment

Let me give you a suggested homework assignment .

Walking past his office, it's not unusual to find a student talking with him about an issue or a homework assignment .

Yet in a speech that defined the problems, there was a sense of someone halfway through a horrible homework assignment .

In 1996, she sentenced a school trustee to a massive homework assignment .

The contender won the homework assignment but was at risk of being eliminated.

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10 Essential Things to Know About Real Estate Assignment Sales (for Sellers)

— We take our content seriously. This article was written by a real person at BREL.

What’s an assignment?

An assignment is when a Seller sells their interest in a property before they take possession – in other words, they sell the contract they have with the Builder to a new purchaser. When a Seller assigns a property, they aren’t actually selling the property (because they don’t own it yet) – they are selling their promise to purchase it, along with the rights and obligations of their Agreement of Purchase and Sale contract.  The Buyer of an assignment is essentially stepping into the shoes of the original purchaser.

The original purchaser is considered to be the Assignor; the new Buyer is the Assignee. The Assignee is the one who will complete the final sale with the Builder.

Do assignments only happen with pre-construction condos?

It’s possible to assign any type of property, pre-construction or resale, provided there aren’t restrictions against assignment in the original contract. An assignment allows a Buyer of a any kind of home to sell their interest in that property before they take possession of it.

Why would someone want to assign a condo?

Often with pre-construction sales, there’s a long time lag between when the original contract is entered into, when the Buyer can move in (the interim occupancy period) and the final closing. It’s not uncommon for a Buyer’s circumstances to change during that time…new job out of the city, new husband or wife, new set of twins, etc. What worked for a Buyer’s lifestyle 4 years ago doesn’t always work come closing time.

Another common reason why people want to assign a contract is financial. Sometimes, the original purchaser doesn’t have the funds or can’t get the financing to complete the sale, and it’s cheaper to assign the contract to a new purchaser, than it is to renege on the sale.

Lastly, assignment sales are also common with speculative investors who buy pre-construction properties with no intention of closing on them. In these cases, the investors are banking on quick price appreciation and are eager to lock in a profit now, vs. waiting for the original closing date.

What can be negotiated in an assignment sale?

Because the Assignee is taking over the original purchaser’s contract, they can’t renegotiate the price or terms of the contract with the Builder – they are simply taking over the contract as it already exists, and as you negotiated it.

In most cases, the Assignee will mirror the deposit that you made to the Builder…so if you made a 20% deposit, you can expect the new purchaser to do the same.

Most Sellers of assignments are looking to make a profit, and part of an assignment sale negotiation is agreeing on price. Your real estate agent can guide you on price, which will determine your profit (or loss).

Builder Approval and Fees

Remember that huge legal document you signed when you made an offer to buy a pre-construction condo? It’s time to take it out and actually read it.

Your Agreement of Purchase & Sale stipulated your rights to assign the contract. While most builders allow assignments, there is usually an assignment fee that must be paid to the Builder (we’ve seen everything from $750 to $7,000).

There may be additional requirements as well, the most common being that the Builder has to approve the assignment.

Marketing Restrictions

Most pre-construction Agreements of Purchase & Sale from Toronto Builders do not allow the marketing of an assignment…so while the Builder may give you the right to assign your contract, they restrict you from posting it to the MLS or advertising it online. This makes selling an assignment extremely difficult…if people don’t know it’s available for sale, how they can possibly buy it?

While it may be very tempting to flout the no-marketing rule, BE VERY CAREFUL. Buyers guilty of marketing an assignment against the rules can be considered to have breached the Agreement, and the Builder can cancel your contract and keep your deposit.

We don’t recommend advertising an assignment for sale if it’s against the rules in your contract.

So how the heck can I find a Buyer?

There are REALTORS who specialize in assignment sales and have a database of potential Buyers and investors looking for assignments. If you want to be connected with an agent who knows the ins and outs of assignment sales, get in touch…we know some of the best assignment agents in Toronto.

What are the tax implications of real estate assignment?

Always get tax advice from a certified accountant, not from the internet (lol).

But in general, any profit made from an assignment is taxable (and any loss can be written off). The new Buyer or Assignee will be responsible for paying land transfer taxes and any HST that might be due.

How much does it cost to assign a pre-construction condo?

In addition to the Builder assignment fees, you will likely have to pay a real estate commission (unless you find the Buyer yourself) and legal fees. Because assignments are more complicated, you can expect to pay higher legal fees than you would for a resale property.

How does the closing of an assignment work?

With assignment sales, there are essentially 2 closings: the closing between the Assignor and the Assignee, and the closing between the Assignee and the Builder. With the first closing (the assignment closing) the original purchaser receives their deposit + any profit (or their deposit less any loss) from the Assignee. On the second closing (between the Builder and the Assignee), the Assignee pays the remaining amount to the Builder (usually with the help of a mortgage), and pays land transfer taxes. Title of the property transfers from the Builder to the Assignee at this point.

I suppose it could be said that there is a third closing too, when the Buyer takes possession of the property but doesn’t yet own it…this is known as the interim occupancy period. The interim occupancy occurs when the unit is ready to be occupied, but not ready to be registered with the city. Interim occupancy periods in Toronto range from a few months to a few years. During the interim occupancy period, the Buyer occupies the unit and pays the Builder an amount roughly equal to what their mortgage payment + condo fees + taxes would be. The timing of the assignment will dictate who completes the interim occupancy.

Assignments vs. Resale: Which is Better?

We often get calls from people who are debating whether they should assign a condo they bought, or wait for the building to register and then sell it as a typical resale condo.

Pros of Assigning vs. Waiting

• Get your deposit back and lock in your profit sooner
• Avoid paying land transfer taxes
• Avoid paying HST
• Maximize your return if prices are declining and you expect them to continue to decline
• Lifestyle – sometimes it just makes sense to move on

Cons of Assigning vs Waiting

• The pool of Buyers for assignment sales is much smaller than the pool of Buyers for resale properties, which could result in the sale taking a long time, getting a lower price than you would if you waited, or both.
• Marketing restrictions are annoying and reduce the chances of finding a Buyer
• Price – What is market value? If the condo building hasn’t registered and there haven’t been any resales yet, it can be difficult to determine how much the property is now worth. Assignment sales tend to sell for less than resale.
• Assignment sales can be complicated, so you want to make sure that you’re working with an agent who is experienced with assignment sales, and a good lawyer.

Still thinking of assignment your condo or house ? Get in touch and we’ll connect you with someone who specializes in assignment sales and can take you through the process.

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Raj Singh says:

What can be things to look for, especially determining market value for an assigned condo? I’m the assignee.

Sydonia Moton says:

Y would u need a lawyer when u buy a assignment property

Gideon Gyohannes says:

Good clear information!

Who pays the assignment fee to the developer? Assignor or Assignee?

Thanks Gideon 416 4591919

Melanie Piche says:

It’s almost always the Seller (though I suppose could be a point of negotiation).

Fiona Rourke says:

If there are 2 names on the agreement and 1 wants to leave and the other wants to remain… does the removing of 1 purchaser constitute an assignment

Brendan Powell says:

An assignment is one way to add or remove people from a contract, but not the only way…and not the simplest. Speak to your lawyer for advice on what makes the most sense for your specific situation. For a straightforward resale purchase you could probably just do an amendment signed by all parties. If it’s a preconstruction purchase with various deposits paid, etc it could be more complicated.

Katerina says:

Depends on the Developer. Some of them remove names via assignments only.

Haroon says:

Is there any difference in transaction process If assigner or seller of a pre constructio condo is a non resident ? Is seller required to get a clearance certificate from cRA to complete the transaction ?

Nathalie says:

Hello , i would like to know the exact steps for reassignment property please.

Amazing info. Thanks team. I may just touch base with you when my property in Stoney Creek is completed in. 2020. I may need to reassign it to someone Thanks

Victoria Bachlowa says:

If an assignor renegs on the deal and refuses to close because they figured out they could get more money and the assignment was already approved by the builder and all conditions fulfilled what can the Assignee do. I have $33,000 dollars in trust in the real estate’s trust fund. They sent me a mutual release which I have not signed. The interim occupancy is Feb. 1 and the closing is schedule for Mar. 1, 2019. I have financing in place, was ready to move in Feb. 1 and I have no where to live.

Definitely talk to your lawyer right away. They’ll want to look at your agreement of purchase and sale and will be able to advise you.

With assignment sales, there are essentially 2 closings: the closing between the Assignor and the Assignee, and the closing between the Assignee and the Builder. With the first closing (the assignment closing) the original purchaser receives their deposit + any profit (or their deposit less any loss) from the Assignee. Can I assume that these closing happen at the same time? I’m not sure how and when I would be paid as the Assignor.

What happens to the deposits or any profits already paid if the developer cancels the project after an assignment?

Hi, Did you get answer to this? I did an assignment sale last year and now the builder is not completing apparently and they are asking for their money back. Can they do that? After legal transactions, the lawyer simply said “the deal didn’t go through”. Apparently builder and the person who assumed the assignment agreed on taking out the deal. What do I have to pay back after it was done a year ago

This is definitely a question for your lawyer – as realtors we are not involved in that part of the transaction. I would expect that just as the builder would have to refund your deposits, you would likely need to do the same…but talk to your lawyer. As to whether the builder can cancel a project, yes they always reserve that right (but the details of how and under what circumstances would be in your original purchase agreement). It’s one of the annoying risks in buying preconstruction!

I completed the sale of my assignment in Dec 2015 however the CRA says I should be reporting the capital income in 2016 when the assignee closed his deal with the developer in July 2016. That makes no sense to me since I got all my money in Dec 2015. Can you supply any clarification on that CRA policy please?

You’d have to talk to the CRA or an accountant – we’re real estate agents,so we can’t give tax advice.

Hassan says:

Hello, You said that there are two closings. The first one between the assignor and the assignee and the second one between the builder and the new buyer (assignee). My question is that in the first closing does the assignee have to pay the assignor the deposit they have paid and any profit in cash or will the bank add this to the assignee’s mortgage?

The person doing the assigning usually gets their money at the first closing.

Kathy says:

What is the typical real estate free to assign your contract with the builder ?

Hi Kathy While we do few assignments (as they are rarely successful, and builders do not make it easy), in past we have charged more or less the same as we do for a typical resale listing. While there are elements to assignments that should be easier than a resale (eg staging), many other aspects of assignments are much MORE time-consuming, and the risk much higher since attempts to find a buyer for assignments are often unsuccessful. It’s also important to note that due to the extra complication, lawyer’s fees to assign are typically higher than resale as well–although more $ for the purchase side vs the sale side.

Mitul Patel says:

If assignee has paid small amount of deposit plus the original 25% deposit that the assignor has paid to the builder and gets the Keys to the unit since interim possession has been completed, when the condo registration is done and assignee is getting mortgage from the Bank or Pays the remaining balance to the Builder using his savings and decides not to pay the Balance of the Profit amount to Assignor, what are the possibilities in this kind of scenario?

You’d need to talk to a lawyer to find out the options.

David says:

How much exactly do brokers get paid at sale of Assignment? i.e. Would the broker’s fee be a % of your assignment selling price or your home’s selling price? I’m really looking for a clear answer.

I am using this website’s calculator associated with selling your home in Ontario. But there is no information on selling assignments. https://wowa.ca/calculators/commission-calculator-ontario

Realtors set their own commission, so there is no set fee- that website is likely the commission that that agent offers. We often see commissions of 4-5% for assignments. The fee is a % of the price of the assignment – for example, you originally bought for $500K; you’re now assigning for $600K – commission would be payable on the $600K.

Candace says:

Question: if i bought a pre construction condo, can i sell it as soon as it closes or do i have to live in it for 1 year after closing in order to avoid capital gains taxes?

Or does the 1 year start as soon as you move in?

I would suggest you talk to your accountant re: HST credit implications and capital gains, but if you sell it for more than you paid for it, capital gains usually apply.

You mention avoid paying HST when you assign your property. What is the HST based on? It’s not a commercial property that you would pay HST. Explain. Thanks.

HST and assignments are complex and this question is best answered specific to your situation by your accountant and real estate lawyer. In some cases HST is applicable on assignment profits – more details can be found on the CRA website here:

https://www.canada.ca/en/revenue-agency/services/forms-publications/publications/gi-120/assignment-a-purchase-sale-agreement-a-new-house-condominium-unit.html

If you are a podcast listener, the true condos podcast is also a great resource.

https://truecondos.com/cra-cracking-down-on-assignments/

heres one for your comment, purchase pre construction from builder beginning of 2021, to be finished end of 2021, (semi detached) here we are end of 2022, both units are now ready. Had one assigned but because builder didnt accept within certain time frame(they also had a 90 day clause wherein we couldnt assign prior to 90 less firm closing date (WHICH MOVED 4 TIMES). Anyrate now we have a new assinor but the builder says we are in default from the first one and wants 50k to do the assignment (the agreement lists the possibility of assigning for 12k) Also this deal would include us loosing our whole deposit and paying the 12k(plus fees) would be in addition too the 130k we are already loosing. The second property we are trying to close but interest rates are riducous, together with closing costs(currently mortgage company is asking that my wife be added to that one, afraid to even ask this builder. Any advice on how to deal with this asshole greedy builder? We are simply asking for assignment as per contract and a small extension for the new buyer(week or two) Appreciate any advice. Thank you

Dealing with builders/developers can be extremely painful, much worse than resale transactions in our experience. Their contracts are written to protect THEM. Unfortunately all I can say is follow the advice of your lawyer.

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edition e1.0.8

You’re reading an excerpt of The Holloway Guide to Technical Recruiting and Hiring , a book by Osman (Ozzie) Osman and over 45 other contributors. It is the most authoritative resource on growing software engineering teams effectively, written by and for hiring managers, recruiters, interviewers, and candidates. Purchase the book to support the author and the ad-free Holloway reading experience. You get instant digital access, over 800 links and references, commentary and future updates, and a high-quality PDF download.

A take-home assignment (take-home or takehome) is a coding task given to technical candidates to complete on their own time. Candidates are typically given a day to several days to complete a take-home.

​ controversy ​ Take-homes are controversial. While there are many pros for the companies assigning them, they are less valuable in terms of the candidate experience. Nonetheless, they do have some advantages for candidates.

Benefits of Take-homes

​ candidate ​ Take-homes remove a lot of the stress associated with onsite challenges. Candidates get to use their own tools and work in the style they would if they were on the job. They can review and iterate on their work, take time away to think or rest, and rewrite. One senior engineer put it this way: “Most employees ‘take home’ their work if you think about it. You get work, you go away and think, you do it, you sleep, you come back and review it. That’s how our jobs work.”

For companies, take-homes have arguably the lowest false negative rate of any interview format—“the truest signal,” as Scott Woody, former Director of Engineering at Dropbox, put it to Holloway. A few factors account for this:

Take-homes give the candidate enough time to do the work in an environment that they’re comfortable with, so you eliminate the noise of a whiteboard interview .

It’s very hard to hide weaknesses in coding ability in a take-home, and follow-up conversations can tell you almost everything you need to know about how a candidate thinks through problems.

Follow-ups also allow you to weed out and correct for any negative signal or false signal—for example, if a candidate cheats, talking through their work will help you figure that out.

Follow-ups are an important part of the take-home evaluation; in this respect, take-homes are the first step of a larger conversation. A good take-home will mimic assignments the candidate might reasonably be asked to do on the job and will give you practical signal on their abilities, creativity, and style.

Here’s how a sample assignment might progress. Let’s say the take-home is something like “Build a simple web-based calculator app” or “Build an AI version of Tetris.” When the candidate returns, you might read the code and interrogate it together, bringing the initial asynchronous assessment into a synchronous evaluation:

You ask the candidate to critique their work.

You may then ask them what they would do given another 20 hours; or say, “How would you invest 10 more hours on this?” Questions like “What feature would you remove?” and “What feature would you add?” will further refine your understanding of their work.

An additional useful question is, “What shortcuts did you take, and why did you think that was the right shortcut?”

Downsides of Take-homes

​ caution ​ The major downside of take-homes is the time commitment they require. Because the market is so competitive, asking a strong candidate to give up their weekend for a take-home can lead them to drop out of your process. Senior candidates may feel that being asked to do a take-home is a waste of their time. For these reasons, take-homes usually make sense further along in the funnel . They require a lot of engineering time and investment from interviewers and candidates, so they aren’t ideal for screening. Some companies opt to pay candidates for the time they spend on these assignments, but this doesn’t always make a difference. A senior manager at Dropbox told us that before the company pivoted from take-homes, 20% of candidates would simply not complete them. Less-competitive candidates were more likely to complete the assignment, because they didn’t have competing offers. The pass-through rate was close to 10%. If you’re asking candidates to invest 15 hours, and their chance of passing through is 10%, the value asymmetry is strong.

Despite the high signal achieved, interviewers, too, spend hours of their time designing take-homes, scaffolding in multiple languages, and reviewing code, and with such a low pass-through rate, this hardly pays out.

​ danger ​ The other major con of take-homes is that they explicitly discriminate against people who have families or adverse financial situations, or who work more than one job. If these candidates are in the hiring pipeline at more than one company, they may receive multiple take-home assignments at once, making them impossible to complete, and this may cause the candidates to drop out of your process.

Take-homes also open up the possibility that a candidate may cheat by asking friends to help or collaborate. Additionally, with a take-home, you’re asking candidates to work in a vacuum, which doesn’t match to most work environments, where you’re hopefully able to ask questions and get feedback as you progress.

​ caution ​ Take-homes are difficult to timebox and thus difficult to assess fairly. If candidates have been given 48 hours to turn in an assignment, you might be comparing candidates who spent 40 hours with those who spent only 2.

One way to avoid this false signal is to pay people an hourly rate for the assignment; but candidates can lie, either saying they worked more hours so as to receive the pay or fewer hours because they want to look impressive.

There are situations in which the pros of take-homes outweigh the cons. Smaller companies may find it easier to assign take-homes than to expend the time and resource investment in a longer pipeline, where multiple interviews would be needed to get the same signal. Younger engineers trying to break into the industry may prefer take-homes because they provide a chance to demonstrate skills they haven’t yet had a chance to prove on the market. If there’s a candidate you haven’t gotten clear signal from yet, adding a take-home to their pipeline will usually tell you one way or another whether the bet will pay off. Scott Woody, former Director of Engineering at Dropbox, told us that people who tend to shine on take-homes have nontraditional backgrounds: “They’re hackers, or they never took CS in college, and they’d fail out of our normal process. But we can see they’ve been doing all this practical work on the side, so let’s give them this practical thing and they’re going to build something singular.”

Take-home Tips

Using a tool like Takehome.io can help with timeboxing take-homes. It might seem like the option of timeboxing would help solve a lot of the cons of this format, but many engineers hold the opinion that time limits introduce further artificiality that compromises what could otherwise be a clear signal. There are tradeoffs any way you approach it.

If you do choose to give take-homes, it’s important to be clear with the candidate that the results will only be used for evaluation and not to produce work for the company. You might also provide an upper bound on the amount of time a candidate should spend on the take-home. When sending candidates the assignment, it’s important to let them know what it is that you will be evaluating—the code? the creativity? the speed? This will help ensure that they don’t waste time on something that won’t translate as much to the assessment and the eventual job. You likely also will want to avoid noting things as nice-to-haves unless they are truly necessary for the assessment.

One idea worth noting to help make the candidate experience better is to replace the take-home with a project that is done in the office during the onsite. Such a project still requires a logistical burden, but has the benefit of feeling like a symmetric exchange of time, particularly if it replaces multiple interview questions. The goal is to mimic the benefits the take-home has for candidates—let them work alone.

​ candidate ​ Understanding the reasons why a company might choose a take-home problem can help candidates prepare. This guide from Jane Phillips has a host of practical suggestions for tackling take-home coding challenges , along with an FAQ on common scenarios, like needing more time or what to do if you’re not familiar with a language or framework in the take-home problem.

Prior Work Assessment

Some companies choose to ask candidates for past work samples rather than asking them to write code (though you can do both). The nice thing about this approach is that it allows you to see something that the candidate actually did in a real-world setting. However, it can be difficult for many candidates to provide this kind of work sample if they don’t have an open-source presence, and evaluating these work samples may take more time and require a great deal of interviewer effort to evaluate. Prior work assessments can be:

Synchronous. The candidate walks the interviewer through a completed project or portfolio.

Asynchronous. The candidate sends work to the interviewer for them to review, and/or the interviewer reviews the candidate’s open-source projects (likely on GitHub).

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Definition of assignment noun from the Oxford Advanced American Dictionary

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What’s his assignment?

Free to a good home. Kidding on that of course, but lots being left out with regards to this guy last few days on this site. Something has been going on behind the scenes regarding him.

Team doesn’t just DFA a cheaply controlled, 26yo closer, who happens to dominate 2y straight, sit 100+mph, coming back from injury (now) or not who still has an option year.

no.. there has to be at least 1 serious wart with this guy. Twins fans might know, some hardcore fans of theirs.

Was wondering the same thing.. makes no sense to DFA this guy.

Who, Bowman? Are people reading this way different than I am?

Matt Bowman is a 4A reliever ever since Mike Matheny destroyed his arm from 2016-2017. He had bad peripheral numbers that were prime for regression

I watched the guy this year. Great break on his stuff. I think it just comes down to this – our bullpen is stacked. Justin Topa is due to finish rehab soon too.

Sure they do, it’s the entire point of the 40 man roster. The Twins used him to cover a short term need brought on when several of their MLB-ready relievers went on the DL at the same time. Instead of bringing up someone who was not ready they added a throw-away guy who they could try to pass back through waivers rather than risk losing someone younger they care about, like Festa for example.

Also, Bowman is not the guy you’re describing, which is why he was freely available last winter. He could definitely be an improvement for a lot of bad bullpens, so I expect he’ll be grabbed (Hello Chicago!) but better him than one of the youngsters they don’t want to start the clock on.

You do realize they are DFA-ing Bowman, not Duran, right?

I feel like Duran coming back is the bigger news for the headline.

I believe that’s called “Burying the lede.”

Man poor Matt Bomer………oh wait

Yankees have their Tonkin replacement.

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University of Michigan Athletics

Big Ten Releases U-M's Conference Assignments for 2024-25

5/1/2024 2:00:00 PM | Men's Basketball

By: Tom Wywrot

ROSEMONT, Ill. -- In conjunction with the Big Ten Conference, the University of Michigan basketball program announced Wednesday (May 1), the assignments for single and home-and-home series for the upcoming 2024-25 conference seasons.

With the conference adding four West Coast programs, each Big Ten program will play 14 single-game opponents evenly split with seven home games and seven on the road. Each squad will add a set of three home-and-home matchups rounding out the regular season to a 20-game slate.

The Wolverine's home game assignments include Illinois, Iowa, Maryland, Northwestern, Oregon, Penn State and Washington. The road schedule includes Indiana, Minnesota, Nebraska, Ohio State, UCLA, USC and Wisconsin.

U-M will have a home-and-home series with rival Michigan State, Purdue and Rutgers.

In the 2018-19 season, the Big Ten expanded its regular season to a 20-game conference slate, with the idea of previewing the Big Ten season with two games in early December (home and away).

2024-25 Michigan Big Ten Opponent Breakdown

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Meaning of assignment in English

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• It was a plum assignment - more of a vacation really.
• He took this award-winning photograph while on assignment in the Middle East .
• His two-year assignment to the Mexico office starts in September .
• She first visited Norway on assignment for the winter Olympics ten years ago.
• He fell in love with the area after being there on assignment for National Geographic in the 1950s.
• act as something
• all work and no play (makes Jack a dull boy) idiom
• be at work idiom
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Governor declares state of emergency for West Virginia's higher education system

Chris Schulz

Because of ongoing delays with federal financial student loan forms, Gov. Jim Justice declared a state of emergency for the West Virginia higher education system. What does that mean?

Copyright © 2024 NPR. All rights reserved. Visit our website terms of use and permissions pages at www.npr.org for further information.

NPR transcripts are created on a rush deadline by an NPR contractor. This text may not be in its final form and may be updated or revised in the future. Accuracy and availability may vary. The authoritative record of NPR’s programming is the audio record.

Watch CBS News

Federal Reserve holds rates steady. Here's what that means for your money.

By Aimee Picchi

Edited By Anne Marie Lee

Updated on: May 1, 2024 / 4:24 PM EDT / CBS News

Federal Reserve officials said they are leaving their benchmark rate untouched, noting that progress in taming U.S. inflation has stalled. 

The Fed on Wednesday said it is keeping the federal funds rate in a range of 5.25% to 5.5%, the same level it has held since the central bank's  July 2023 meeting , which is its highest level in more than 20 years. Economists had largely expected the decision given that inflation had ticked upward in the first three months of 2024.

Fed Chairman Jerome Powell has repeatedly said the central bank prefers to keep rates high until inflation retreats to about 2% on an annual basis, rather than risking cutting too early and fueling another round of price spikes. Despite the Fed's flurry of interest rate hikes, inflation remains stubbornly high, with March prices rising 3.5% from a year earlier, fueled by higher housing and gasoline prices. 

In a press conference to discuss the central bank's decision, Powell stressed that he's confident inflation will recede to the Fed's target of 2%, although the economy is taking longer to reach that point than policy makers previously expected. Powell also sought to tamp down any concerns the Fed could reverse course in response to persistent inflation, saying it is "unlikely the next policy rate move will be a hike. "

Fewer interest rate cuts?

Powell demurred when asked if the Fed continues to cut rates three times in 2024, as it had indicated earlier this year . Instead, he responded that Fed officials need to feel more confident before they move to ease borrowing costs.  

"We said today that we didn't see progress [on inflation] in the first quarter, and I've said that it appears then it'll take longer for us to reach that point," he said, adding, "I don't know how long it'll take."

Wall Street traders now envision just a  single rate cut  this year to the Fed's benchmark rate. That compares with their expectations at year start that the Fed could cut rates as much as six times in 2024. 

In its Wednesday statement, the Fed reiterated that it won't cut rates "until it has gained greater confidence that inflation is moving sustainably toward 2%."

"Patience is the watchword now for the Fed and the risk of fewer or no rate cuts this year is growing," Brian Coulton, Fitch Ratings' chief economist, wrote in an email after the Fed decision. "[T]he risk of failing to get inflation down on a sustained basis seems to be rising as each week goes by."

He added, "The statement explicitly recognizes the recent deterioration in inflation dynamics," noting that inflation has edged up by some measures in recent months and an uptick in wages during the first quarter, which could boost prices. 

What does the rate decision mean for your money?

Expect to continue to pay high rates to borrow money, noted Jacob Channel, senior economist at LendingTree.

Mortgage rates are likely to remain above 7%, at least in the near term, he added. Credit card rates, which are at record  highs , are sure to remain elevated, he noted. 

"Across the board, it's all expensive," Channel said. "The interest rate on a credit card will make the interest rate on a mortgage look minuscule by comparison."

On the bright side, savers are likely to continue to find higher-interest savings accounts, with some offering yields above 5%, according to Ken Tumin, banking expert at DepositAccounts.com. Certificates of deposit and other savings vehicles can also offer robust rates. 

—  The Associated Press contributed to this report.

• Jerome Powell
• Consumer News
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Aimee Picchi is the associate managing editor for CBS MoneyWatch, where she covers business and personal finance. She previously worked at Bloomberg News and has written for national news outlets including USA Today and Consumer Reports.

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What marijuana reclassification means and the effects of rescheduling

Reclassifying marijuana from a Schedule I substance to Schedule III would mark a historic shift in federal policy, but the implications are still murky.

Marijuana would no longer be considered one of the most risky and tightly controlled drugs, under a recommendation by Attorney General Merrick Garland to loosen restrictions on cannabis.

Garland is calling for the reclassification of marijuana from its long-criticized status as a Schedule I substance. This would not legalize or decriminalize cannabis, but it would ease barriers to research and boost the bottom lines of legal businesses.

The move, if enacted, would mark a historic shift in federal policy toward a drug that a majority of Americans can now legally buy in their states. But the implications of rescheduling are still murky, and cannabis advocates contend it would not end the War on Drugs or eliminate the regulatory challenges.