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Letter to the Editor: Stevanna Way Neighborhood Geologist Calls for More Urgency in Flood Response | Letters


My name is Kyle House. I am a geologist with over thirty years of experience studying flooding, particularly in Arizona. This letter is written with the support of my neighbors at Stevanna Way.

Extraordinary flooding from ordinary storms requires extraordinary mitigation efforts.

Stevanna Way was subjected to five destructive Schultz Creek floods in 15 days. These floods were made worse by wildfires, but they were exacerbated by bad decisions, compromises and inaction.

Flood and inundation maps show Stevanna Way at a critical crossroads of undercapable and poorly designed culverts. Residents carried floodwaters directly through and around properties, causing $10,000 in damage to areas that have not been flooded in 50 years. Local mitigation efforts on Stevanna have reduced the impacts of the city’s infrastructure issues by limiting flooding of North Woods apartments and the north end of Coconino Estates.

The City must act now. Both the west and east sides face devastation resulting from rapid environmental change and aging infrastructure. The composite risk of fires and floods will eventually imperil the entire San Francisco Mountain, threatening all low-lying areas in its shadow.

Our city and county are at the forefront of developing an innovative and effective approach to a threat that looms large in the West. We must adopt solutions that correspond to the extraordinary dangers we face. Rehabilitating watersheds and flood retention are important parts of the solution, but correcting drainage defects that repeatedly put citizens at risk is also essential. Waiting for vulnerable areas to flood repeatedly is not innovation, it is irresponsibility.


Cautious trade seen among investors


ANALYSTS are seeing cautious trading this week after the Philippines Stock Exchange Index (PSEi) gained 18.98 points, or 0.28%, last Friday to end the week at 6,699.66.

Investors are also waiting for the next rate setting meeting of Bangko Sentral ng Pilipinas on August 18, 2022.

Investors expect the central bank to adopt a 25-50 basis point rate hike to curb inflation, but Rizal Commercial Banking Corp. chief economist Michael Ricafort said it could also be toned down due to domestic GDP of 7.4% in the second quarter. product (GDP) growth.

According to 2TradeAsia, given recent GDP, inflation and its impact on corporate value chains is the obvious driver, but as also mentioned last week in their report, the real impact at the consumer level is likely to be Being more is felt towards the end of the year when retail prices fully reflect the inflation of intermediate consumption costs and when the consumption behavior of households accommodates a rise in costs.

“Wild cards will be consumer-level demand tending to be more inelastic towards the holidays, supportive remittances, and a possible slowing of rate hikes by the Federal Reserve if US inflation ends up moderating sooner than expected. “, says the 2TradeAsia report. “The main challenge for most companies is to maintain momentum for the second of the year due to the absence of extraordinary government spending. The key is to recognize the industry drivers that will fuel the excitement for the third and fourth quarters of the year in terms of their impact on cash flow.

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2TradeAsia sees immediate support at 6,450, while resistance is at 6,830, indicating that it remains to be seen if the market has enough momentum to trade in a range closer to the 7,000 mark.

Ricafort also said recent gains in the PSEi were due to generally better economic data for the Philippines; The US markets are also gaining positive sentiment with their inflation rate standing at 8.5%; better outlook for the US market for July; the healthy upward correction in global crude oil prices; and slower-than-expected consumer and producer prices in China.

Ricafort expects resistance at the 6,800-6,900 levels and further upside potential at the 7,000 levels, while immediate support is seen at the 6,400-6,500 levels.

Gaming industry feels squeezed after pandemic boom


The delayed release of new titles such as ‘Starfield’ is among the factors that have cooled the video game fervor which could heat up when the blockbusters launch – Copyright AFP/File Jade GAO

Julie Jammot

At the height of the pandemic, video games offered people solace in isolation. But now that life is slowly returning to pre-crisis normal and inflation is soaring, gaming companies are feeling the pinch.

Makers of gaming consoles, accessories and software are feeling the same kind of post-pandemic effect as tech titans who saw their business boom as Covid-19 fears kept people close to home .

The pressure has been exacerbated by high inflation that has driven belt-tightening and game fatigue after years of relying on indoor entertainment.

At the start of the pandemic, “people flocked to Twitch in droves – streamers and viewers,” said Brandon Williams, who goes by the handle “BWpaco” on the Amazon-owned platform where gamers stream action. of video games.

“But I’ve spoken to quite a few people who have stopped streaming because they’ve burned out or it’s not for them,” the 30-year-old streamer added.

“Or, they haven’t had time since they went back to work in person.”

Twitch’s viewership that skyrocketed during the pandemic has declined but remains higher than it was in 2019, according to twitchtracker.com.

– Games still in progress –

Matt Piscatella, an analyst with market research group NPD, estimated the US will spend around $55.5 billion on games in total this year, down from last year but still up 28% compared to the pre-pandemic year of 2019.

US video game giant Activision Blizzard, which Microsoft is in the process of buying, reported that sales in the first half of this year declined as gamers spent less time in its powerful “Call of Duty” franchise.

Nvidia, the California-based maker of high-performance graphics cards popular with gamers, recently issued a profit warning due to “decline in video game revenue”.

Even spending on mobile games is showing signs of weakening, analysts say.

“Rising prices in everyday spending categories such as food and gas, the return of experiential spending such as travel and attending live events, a lighter release slate of new games, and restraints Continued supply of next-gen console hardware all likely contributed to the observed decline. in the second quarter,” Piscatella said.

Omdia analyst Steven Bailey said the delayed releases of highly anticipated titles such as “Starfield” and “Suicide Squad” also contributed to a “correction” from the pandemic boom that was inevitable.

– On the lookout –

The boost that new titles give to video game sales is a wildcard likely to benefit the industry in the future, as gamers typically flock to get their hands on hot releases.

Piscatella expressed hope that the video game market will stabilize over the coming year and then return to steady growth.

The rising cost of living due to inflation is forcing players to make choices with their money, but that doesn’t mean they’re giving up gambling, the analyst noted.

More than three-quarters of US consumers play video games, and subscription services such as Xbox Game Pass and PlayStation Plus help keep costs down, Piscatella said.

The effects of the pandemic on gaming have extended beyond the economic realm, giving rise to a trend among gamers to seek out “comfort games” that emphasize cooperation rather than competition.

The explosion of Nintendo’s “Animal Crossing” community-building game is an example of this phenomenon, with players coming together to bring virtual towns to life.

And, according to streamer BWpaco, viewers listen to Twitch channels like they would a radio show while their attention is elsewhere.

“They’re just hiding,” the streamer said.

“I feel now that things have reopened and people are busier, they have it as background noise.”

Radical Program of Democratic Socialists for Santa Cruz – Santa Cruz Sentinel


The article about DSA candidate Joy Schendledecker for mayor needs to be corrected. In the article, the DSA is described as a “community organization”. Nothing could be further from the truth. The Democratic Socialists of America (DSA) is a national far-left political organization. Their primary objective is to destroy capitalism.

Stated goals of the local DSA include ending all private property by 2050, defunding the police, establishing rent control, freeing all incarcerated people, among others. Local DSA members initiated OVO’s appeal to the Coastal Commission and drafted the empty house tax in the November ballot. The DSA has both a local chapter and a YDSA group on campus. Their other declared objective is to infiltrate all sectors of the local administration.

Make no mistake when you vote; Joy Schendledecker and Justin Cummings are both active members of the DSA. Go to dsasantacruz.org for the facts.

—Steven McCarty, Santa Cruz

The Sentinel welcomes your letters to the editor. Letters should be short, no more than 150 words. We do not accept anonymous letters. Letter writers should include their full name as well as an address and phone number. We do not publish these details in the log, but we need this information for verification purposes. Sometimes we reject letters simply because we have received many on the same subject. Submit your letters online at www.santacruzsentinel.com/submit-letters.

Ygrene suspends controversial PACE loans in Missouri, California — ProPublica


One of the nation’s largest ‘clean energy’ residential lenders suspended homeowner loans in Missouri, citing economic conditions and a new state law that required more consumer protection and oversight. .

California-based Ygrene Energy Fund said it will also stop lending in California, but will continue to lend to homeowners in Florida, where it can lend for wind and hurricane protection, a business more viable. No other state has large property-rated residential clean energy programs, although dozens of states allow them for commercial borrowers.

The measures in Missouri were enacted last year, after a ProPublica survey found that high-interest PACE loans were disproportionately burdening borrowers in predominantly black neighborhoods.

A spokesman for Ygrene said on Thursday the company wanted to focus on other parts of the country where it finds profit opportunities. The spokesperson said law reforms in Missouri were a “small factor” in the company’s decision to stop lending to homeowners there, although a company executive said that the reforms had probably contributed to a drop in loan applications.

In its investigation, ProPublica found that Missouri PACE lenders, including Ygrene, were charging high interest rates for terms of up to 20 years, collecting loan repayments through tax bills, and running debts. by placing liens on the property – which left some borrowers vulnerable to losing their homes in the event of default.

We analyzed about 2,700 registered loans in the five counties with the most active PACE programs in the state and found that 28% of borrowers in predominantly black neighborhoods were at least one year behind on their loan repayments. , compared to 4% in predominantly white areas. If the loans are not repaid, the local government can seize the borrower’s property.

PACE was marketed as a way to fund energy-efficient home improvements with no upfront cost. Missouri law required that each project’s energy savings be at least equal to the cost of the loan, but many borrowers said they didn’t always see that much savings. ProPublica found that while state law allowed PACE programs to perform audits to ensure borrowers were saving money on their energy bills, it did not require them, and PACE programs in St. Louis and Kansas City areas generally did not perform them.

The programs targeted many vulnerable homeowners, including people who needed urgent repairs but had few credit options. ProPublica found that some Ygrene loans in the St. Louis area had gone to owners of homes with exceptionally low land values; in several cases, the loan amount exceeded the value of the entire property according to the local appraiser. Ygrene and other PACE lenders had used private appraisals which were often much higher.

The new Missouri law required PACE programs to base loans on local government assessments, a change that sharply reduced the availability of loans to homeowners with low property values.

The law also required that residential PACE programs be reviewed by the State Finance Division at least every two years. Previously, PACE programs were required to submit annual reports to the state, but ProPublica’s investigation found there was little oversight.

PACE officials and its lenders said the program’s interest rates tend to be lower than some credit card and payday lenders, providing much-needed financing for home improvement, especially in low-income neighborhoods. predominantly black where mainstream lenders generally don’t do much business. . Prior to the new law, Ygrene said, it had tightened its standards by ensuring borrowers had a history of paying property taxes on time and using more conservative property appraisals to underwrite loans. The company said it has also reduced its delinquency rates since the program began providing residential loans.

A Ygrene executive told the City of St. Louis Clean Energy Development Board on Wednesday that the company wants a one-year break from making new loans, starting Aug. 18.

“This is simply due to interest rates and economic conditions that make the program unsustainable at this time,” Jim Malle, director of government affairs at Ygrene, told the board. He also said the company has seen a reduction in new loan applications “and we believe this is due to Missouri legislation.”

The council, which only a few months ago renewed Ygrene’s contract to act as residential loans administrator, said it could have found the company in default of its contract with the city, but has agreed to suspend the program for at least three months and reassess the decision. quarterly.

Neal Richardson, executive director of the city’s development agency and member of the clean energy development board, said the city would use money from the US federal bailout law to help homeowners with energy projects and home repairs.

A representative for the St. Louis County PACE program, which also uses Ygrene, could not be reached for comment.

Ygrene had competed for market share in Missouri with another entity, Missouri Clean Energy District. While Ygrene dominated the market in St. Louis and St. Louis County, MCED operated primarily in St. Charles County, west of St. Louis, as well as statewide in the region of Kansas City.

St. Louis County Assessor Jake Zimmerman, who has criticized PACE programs and last year urged the county council to “get out of this case“, said that while Ygrene’s start was good, he was concerned that other companies would enter the market.

David Pickerill, executive director of MCED, said his district was still making loans, but business was “a bit down, I think, due to the economy, inflation and various factors.” He said it was possible “the people who were best placed to use the PACE program have already done so”.

Ygrene is not completely withdrawing from the lending business. The company recently announced that it has secured investments from two venture capital firms to expand other types of residential and commercial loans nationwide, including those not secured by collateral. Ygrene also offers PACE loans for commercial projects; these loans have not attracted as much attention from regulators because they tend to involve borrowers with more experience and access to capital who are not as likely as residential borrowers to default.

The company announced last year that it was offering PACE to Ohio homeowners through a partnership with the Port Authority of Toledo-Lucas County. The Port Authority had successfully run its own small-scale PACE program that offered affordable loans in the northwest Ohio city. But port officials said they needed a national corporation to help offer loans statewide. Months ago, Ygrene removed all mention of Ohio from its website. Port officials did not respond to questions about the progress of the project.

Veteran investor Peter Brandt shares important trading tips

Arman Shirinyan

Trader with almost 50 years of experience gives important advice


  • How many successful trades should a trader have?
  • Can traders use his crypto tips?

Peter Brandt is well known for his extensive experience in the traditional and cryptocurrency markets, as the trader has nearly 50 years of fund management under his belt. Today he decided to give advice to cryptocurrency and stock traders who share their thoughts on Twitter.

How many successful trades should a trader have?

According to Brandt, its success rate is just over 50%, which is why it has been profitable for the past five decades. He also told his followers that it was normal to make mistakes and he made a lot of mistakes, but he kept the win rate above 50%.

Brandt spoke of “trading geniuses” who are never wrong and share only successful traders who create the image of an oracle who keeps his trade win rate well above 50% and easily doubles his portfolio.

If someone is unable to understand how it is possible to make a profit with such a small percentage of profitable traders, they should keep the money in a mattress, says the experienced trader and fund manager.


Can traders use his crypto tips?

Although he is primarily a stock and derivatives trader, Peter Brandt’s advice can be easily implemented in the cryptocurrency trading industry, as the rule of having a win rate above 50 % is the key to any successful trading portfolio.

But traders should also keep in mind that risk management in trading digital assets differs greatly from trading stocks, bonds, or anything less volatile. Lack of liquidity and trading volumes sometimes causes double-digit intraday fluctuations in some cryptocurrencies, rendering traditional trading and investing strategies ineffective.

During the latest correction, Bitcoin lost more than 65% of its value, while traditional indices like SPX lost less than 25% at the all-time low.

Throwback to August 12


100 years ago: 1922

“Ah hah” said the big black bear, “so you’re the gink that ate my blueberries.” But the gink neither denied nor corroborated the accusation. He just started rushing in one direction and the big black bear followed suit. “No you don’t,” the bear continued, but WH Waterman of Turner Road, Auburn did. He ran and Mr. Bear immediately stayed behind. Mr. W. did not cry out for help. He could not ! In any case, he reached civilization as quickly as safely possible.

Mr Waterman was picking blueberries in North Auburn on Friday night when he looked up and encountered a sizable bear standing on its hind legs watching him with interest. He didn’t stop to chat, but delivered a silent message at her feet and they answered his call.

A previous report that a bear was seen in the neighborhood was believed to be false, but Mr Waterman is not running for fun.

50 years ago: 1972

Workers from Clayton Copp and Sons Building Movers of Cumberland moved the Plummer and Merrill Funeral Home today across Turner Street to its new location at the start of Center Street in Auburn.

Many locals visited to reminisce and watch the event which involved the main part of the 101-year-old structure on four diesel trucks tied to the steel beams that support its base.

The garage section will be moved another day. Today’s activity which started around 12:30 p.m. took up much of the afternoon due to the size of the three story building. The structure is sited to make room for the Union Street Bypass.

25 years ago: 1997

Some Lewiston-Auburn residents may have come to the conclusion late last night that either the sky was falling or their eye checks needed to be renewed.

In fact, it was just the sky that was falling – tiny particles, that is. And a friend and I were lucky enough to witness the fabulous meteor shower as a once in a lifetime enriching experience.

We were on our way back to Lewiston, around 10 p.m. via a remote road from Sabattus, when he mentioned to me that the showers were to take place. How convenient – it was 10:50am so we were in time to see the 11am peak. Lying on the hood of the car, we were simply mesmerized by the split-second streaks of light that were now happening at about one per minute. Meteors streaked across every corner of the crystal clear sky. And being away from the “big city lights” made it possible to see just about every star – It was quite the trip. Then came the highlight of the shower – a huge meteor ready, we thought, to hit the earth at any moment – and it would have done so if it hadn’t burned up in a second and a half, but that was a beauty that started out white and changed all the colors before it became just a memory.

The material used in Looking Back is produced exactly as it originally appeared, although spelling mistakes and errors may be corrected.

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HKUST develops app that maps COVID-19 hotspots – OpenGov Asia


In response to the need for indoor urban agriculture solutions, the National University of Singapore (NUS) has officially open the Sustainable Urban Agriculture Research Center (SUrF) to bring together the diverse expertise of senior researchers from across the University to develop new science and technology solutions for urban agriculture in the country.

“NUS is committed to making meaningful contributions to Singapore’s food policy agenda, working with public sector and industry partners. Our goal is to create a globally competitive research program in sustainable urban agriculture that integrates smart farming solutions for various stakeholders,” said Professor Tan Eng Chye, President of NUS.

A core team drawn from the fields of science, engineering and computing constitutes SURF, a research organization that focuses on sustainable urban agriculture. This exclusive group of researchers has experience in a variety of topics, including plant science, genomics and gene editing, microbiomes, food science, materials and polymer science, sensor technologies , data science and artificial intelligence (AI) for indoor agriculture.

The team will launch multidisciplinary programs to build a sustainable, cross-border platform to improve pre- and post-harvest plant performance, including crop yield, nutrient profile and safety assurance.

A new facility for the Center, with approximately 200 square meters of indoor plant growth space for research, is expected to be completed in early 2023.

There will be three growth rooms and an additional precision growth room where environmental parameters such as temperature and light spectrum can be modified to promote better plant growth with potentially enhanced phytonutrients.

PlantEye, a non-destructive phenotyping device for monitoring plant development and recording plant health, as well as numerous analytical tools for studying nutrient content, will be part of the research equipment.

The Center will also have access to state-of-the-art NUS laboratories for molecular genetics research, including gene editing.

Additionally, SURF research focuses on three stages of food production: before, during and after production. The Centre’s objective is to offer solutions to producers and to work with local businesses to meet their needs.

Post-harvest interventions can also help improve the nutritional value and microbial safety of foods. According to preliminary results, LED lighting not only eliminates spoilage organisms, but also increases the nutritional quality of green crops.

The team’s next steps will be to develop LED lighting technology specifically for green vegetables commonly consumed in Singapore, as well as test their technique under simulated retail conditions.

In addition, there are 16 Principal Investigators in SURF from the NUS Departments of Biological Sciences, Food Science and Technology, Biomedical Engineering, Electrical and Computer Engineering, and Computer Science. They supervise a dozen research projects.

One such project is trying to make it easier to grow leafy greens in cities. Most crops grown on indoor farms are not suitable for controlled environments because they were grown in fields. This makes growing plants indoors inefficient and unsustainable, with low yield.

Researchers are investigating new ways to breed plants, such as genomic selection and gene editing, to create leafy vegetable varieties with traits that perform well in controlled environments. This is done to improve the quality and productivity of agriculture.

On the other hand, the team made bio-inoculants of bacteria that help plants grow. These can be used in different agricultural situations, for example when plants are grown in soil, peat or coconut fiber, or when hydroponic systems are used.

This could help crops grow better and be more resilient without harming the environment. It could also reduce the need for chemical fertilizers.

Donate to charity by buying the best scanner app from the app store



The following content is brought to you by ZDNet partners. If you purchase a product featured here, we may earn an affiliate commission or other compensation.

Modern smartphones can be a blessing or a curse depending on how you use them. For one thing, social media and games can kill your productivity. But if you use your phone wisely, it could actually turn into a valuable learning tool, especially if you use it to learn new skills or streamline daily tasks.

So why not reinvest in yourself through your mobile phone? For example, the iScanner application allows you replace your desktop scanner with an iPhone, allowing you to do business anywhere. During our Back to Education sale, which ends August 24, you can purchase iScanner for $39.99. Plus, $0.50 of this purchase will go to charity. After purchase, you’ll receive an email to vote on a charity or school to receive your donation, and we’ll announce the winner at the end of the promotion!

iScanner is a powerful AI tool for iOS devices that can complement normal educational, work and personal activities. For example, you can edit, sign, fax and stamp documents. Or, you can scan multiple pages into a single document, making it valuable for students and teachers as well as small business professionals like lawyers, realtors, and accountants.

You can digitize your photos and documents in various formats, such as JPG, TXT or PDF. The iScanner app also uses OCR to recognize text in objects you scan and lets you read QR codes with your phone’s camera. If necessary, you can even blur sensitive elements for added security.

Meanwhile, the document editor has noise removal and color correction features. iScanner’s file manager is also highly secure; you can protect confidential data by using a PIN code to lock it. And document sharing couldn’t be easier. Simply upload your scanned documents to your cloud accounts, such as Google Drive and Dropbox.

But what sets iScanner apart is that it helps you do more than just document management. For example, get an instant solution to math problems by pointing iScanner at them. Or use the app to measure the length of an object to calculate the total area of ​​a room.

Rated 4.8 out of 5 stars with over 70 million downloads iScanner is the number one scanning app in the App Store. In addition, major publications such as Gizmodo and 9to5Mac praised its AI-based object counting. News18 explains why: “The feature comes with a wide use case as it will prove useful in day-to-day tasks, as well as in a business setting like inventory, merchandising, etc.”

Skyrocket your iPhone’s ability to solve everyday problems. Obtain a iScanner lifetime subscription for just $39.99 before our Back to Education promotion ends on August 24th.

stock ideas: Market Trading Guide: REC among 3 stock recommendations for Friday – Stock Ideas

On Thursday, the flagship 30-stock indices jumped 515.31 points to end at 59,332.60. Its larger counterpart, Nifty50, also zoomed 124 points to close above the 17,650 mark.

“Nifty has had a decent rally from the 15,200 level lows, currently almost reaching the 17,800 descending trendline resistance zone where there is a crucial resistance barrier, and the odds to anticipate a decline or a correction cannot be ruled out.The index got the 17,200 and 17,000 levels where the important 200 DMA sits as strong support area, and there should be a good valid reason to break these levels. at the same time, a decisive break and close above 17,800 would trigger another move higher to around 18,300 levels in the coming days,” said Vaishali Parekh, VP – Technical Research, Prabhudas Lilladher.

“Several narrow-range candles could attract some price consolidation; however, the appearance of three upward gaps over the past ten sessions with momentum oscillators floating in the overbought zone is likely to trigger relatively low price volatility. Nifty’s immediate trading band is between the 17,400 and 17,800 zone,” said Amit Trivedi, CMT, Technical Analyst – Institutional Equities, Yes Securities.

Here are three stock recommendations analysts suggest for Friday:

Community Scoop » Zero-interest loans are changing the lives of struggling New Zealanders


Press release – Nga Tangata Microfinance Trust

Ng Tngata Microfinance Trust (NTMT) today announces a milestone. Since the charity was founded in 2009, it has provided 1,000 interest-free, no-cost loans, helping low-income New Zealanders escape unmanageable debt and get…

Ngā Tāngata Microfinance Trust (NTMT) today announces an important milestone. Since the charity’s inception in 2009, it has provided 1,000 interest-free and cost-free loans, helping low-income New Zealanders escape unmanageable debt and earn money.

Ngā Tāngata Microfinance Trust “recycled” Kiwibank’s $500,000 capital to provide $2.5 million in community loans, with a remarkable repayment rate of 94%. NTMT punches well above its weight when it comes to social return on investment, generating a return of $3.60 for every dollar spent.[1]

“Each of these loans has helped low-income New Zealanders and their whānau earn money, enabling them to pay off debt or buy the essentials they need. Above all, working with a financial mentor means our borrowers learn how to manage their money in the future,” says CEO Natalie Vincent.

“Our zero-interest, no-fee loans have a multiplier effect. These loans help break the cycle of poverty and debt problems and improve the financial well-being of the loan recipient and their family for generations to come,” she says.

Fairer, sweeter loans that reduce debt and improve lives

NTMT’s fairer and more generous loans go to the “poorest of the poor” in New Zealand. 75% of our clients are in the lowest income quintile and struggling to live on a family income of less than $36,000 a year, with many trying to survive on as little as $25,000 a year. [2]

NTMT customers are six times more likely to struggle to pay basic living expensessuch as food and accommodation, compared to the average New Zealander. [2] Yet, despite this, two out of three customers, since repaying their NTMT loan, have no longer borrowed money for living expenses. This demonstrates the power of safe and fair credit and financial mentoring.

A recent survey also shows that clients who have finished repaying an NTMT loan are more confident in managing their debts, [3] and more careful when making financial decisions. [4] And 100% of customers agree that their NTMT loan helped them achieve their goals. [5]

“When you provide fair and equitable loans that people can afford to repay, coupled with ongoing support, they are motivated and able to improve their financial stability,” says Vincent. “Our interest-free, no-fee loans, combined with working with a financial mentor, empower our low-income people to build financial capability.”

NTMT loan seekers should work with a financial mentor to build their financial skills and well-being. This comprehensive approach helps low-income New Zealanders develop financial stability and financial literacy, improve personal effectiveness and avoid predatory high-interest lenders.

“A loan from Ngā Tāngata Microfinance can be part of the solution for lifting people out of poverty. These loans play a vital role in the broader fight for social justice outcomes in New Zealand,” says Vincent.

More investment needed to reduce poverty levels in New Zealand

NTMT’s track record also demonstrates the benefits of multiple organizations working together to reduce poverty in New Zealand. NTMT partners with Kiwibank, the Ministry of Social Development and FinCap, and has the support of several charities and trusts. NTMT is always seeking additional investment to enable us to provide more equitable financial options to communities in need.

“Last year’s lockdowns followed by this year’s spike in inflation rates mean low-income New Zealanders are in real trouble,” says Vincent. “We would be very happy to receive donations and corporate sponsorships from individuals and organizations who share our vision of a fairer New Zealand for our most vulnerable citizens.”

“Investing as a country to empower people to be more financially literate is key to achieving longer-term results,” she says. “When we lift people out of poverty, we also improve mental health, reduce family violence, risky behaviors, addictions and child care, and reduce reliance on emergency benefits.”

“Our loans are absolutely making a difference, helping people in dire straits reduce costly debt, access financial mentors and learn how to manage their money. But a lot more investment is needed.

1 ImpactLab GoodMeasure Report – Ngā Tāngata Microfinance, September 2021

2 Compared to September 2020 New Zealand Household Health Survey results

3 Compared to the results of the New Zealand Financial Capability Survey 2021

4 Compared to the results of the New Zealand Financial Capability Survey 2021

5 Results of a telephone survey of 55 NTM survey participants in May/June 2022

Content from scoop.co.nz
original url

Editorial: Corrections’ Rejection of IPRA Is Inexcusable


When a state agency denies a state senator’s request for public records, something is terribly broken.

Senator Jacob Candelaria, in his capacity as an attorney working with inmates and families, made a public records request on January 5 to the state Department of Corrections to obtain contracts and agreements with the state regarding a new policy in which a private company photocopies prison mail and delivers copies. to detainees.

The policy started this year; it is intended to reduce the flow of illegal drugs amid rising inmate overdoses.

More than eight months later, Candelaria says he has never received so much as a confirmation of his request under the State Public Records Inspection Act.

The law states: “If inspection is not permitted within three business days, the custodian must explain in writing when the records will be available for inspection or when the public body will respond to the request.” It makes exceptions for things like trade secrets, tactical response plans, and law enforcement records that reveal confidential sources and methods — none of which apparently apply here.

So Candelaria, an Albuquerque independent, filed a lawsuit in state district court in late July, alleging that corrections violated the IPRA. His lawsuit focuses on allegations that the state failed to turn over public documents, not the mail policy, which detainees and families say violates their rights.

Meanwhile, Candelaria’s lawsuit seeks damages of $100 a day – a total that is believed to exceed $21,000 so far. The taxpayers are responsible if he wins.

Corrections owes to Candelaria and to the public, who pays his note, an explanation and the documents. His intransigence is inexplicable and potentially costly for taxpayers.

This editorial first appeared in the Albuquerque Journal. It was written by members of the editorial board and is unsigned because it represents the opinion of the newspaper rather than that of the editors.

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Anonymous ‘threatening’ letter discussed by Guilford Select Board | Local News


GUILFORD – The Guilford Select Board, at its regular Monday evening meeting, issued a statement regarding what it said was a “correction of misinformation regarding the library’s vote review”.

“There was a letter, an anonymous letter, sent around the city – we don’t know exactly how many people, but we’re guessing about 30 different city officials received the letter,” the president of the city said. Select Board, Zon Eastes. “And the information in the letter … it works from every wrong point. He says the library can’t go ahead with a plan. It is simply not true.

At the March town hall, Guilford voters approved a $1.2 million expansion to the town library by a vote of 348 to 333.

However, after a reconsideration vote on May 24, the expansion project failed by a vote of 405 to 375.

Friends of the Guilford Free Library has raised $140,000 in donations, and since 2018 residents have voted to set aside a total of $312,000 in the town’s capital improvement and maintenance plan for renovation and expansion.

Voters were asked to pledge $205,000 for the project and redistribute an additional $195,000 left over from a water project.

The remaining money was to be raised through private fundraising, state grants and incentives, and private foundation fundraising.

“The library project could still go ahead, but not on bail, nor can the Select Board spend the $195,000 on it,” Eastes told the Reformer the day after the reconsideration vote.

He also said he did not know if the article on the failed mandate would be rewritten and proposed again at next year’s town meeting.

“Know that many citizens of Guilford are watching,” the anonymous letter read.

“The May 24, 2008, Section 7 reconsideration vote barred Guilford voters’ approval of the library building project,” reads the letter, which the reformer is printing as presented. “The same vote of reconsideration also prohibited the spending of the $195,000 bond bank funds and the $205,000 loan. Some believe that the library construction project can go ahead with other sources of funding. That’s not true.”

According to the letter, the wording of the article as presented to voters – “‘Will the voters of the town of Guilford authorize the construction of improvements to the free library in Guilford…’ means that no renovations to the library cannot take place.

At Monday night’s meeting, Eastes said city attorneys disagreed with that conclusion.

“The question on the ballot was whether the City should fund $205,000 and reallocate $195,000 of funds held with the Vermont Bond Bank for library improvements, not whether the City should make library improvements” , read the letter from Monaghan Safar Ducham to Burlington, which Eastes read aloud during the meeting. “Without the funding issues, there is no legal requirement for voters to determine if improvements should be made to the library. … If funds for improvement are available without the City incurring debt, improvements can be made without voter approval.

According to state statutes, the letter says, the library board has “full authority to manage the public library, establish bylaws, elect officers, establish library policy, and to receive, control and manage the property that will come into the hands of the municipality by gift, purchase, bequest or bequest for the use and benefit of the library.’ Thus, it is at the discretion of the administrators to use library funds for the construction of improvements.”

“What we all need to understand, and this is perfectly legal, is that the library [as elected officials] …consider the welfare of the library in the future,” Eastes said. “Of course they have to speak with the select committee they need to talk about their plans.”

Eastes did not share the anonymous letter at the reunion, saying, “It’s not even worth talking about. It’s wrong, it’s wrong. … It’s not in our interest to put it forward in this town. … The select board will maintain this position that, in fact, the library board has the right to proceed. And if there are any financial considerations that need to come into the discussion, then those will be presented to the city as they have already been twice in the past year.

“At the moment,” he continued, “the important issue to understand is that the library board is working within the law, and there are no expectations in the city, as this assumes. letter, that the work must stop because the voters have not I want to spend it in two ways.

Cathi Wilken, who has been a librarian since 1998, in a letter to the editor acknowledged receipt of what she called “a letter with a threatening tone”.

“Why anonymous?” wrote Wilken, who declined to comment further. “Was the writer/band ashamed of the opinions he/she had, and didn’t want to identify with them? If a person is unhappy with the decisions of the Guilford Free Library, this is not the right way to encourage a different approach.

Laura Lawson Tucker, co-chair of the library board, also declined to speak to the reformer.

But at the July 28 select committee meeting, Richard Wizansky, a member of the select committee and library board, read a letter from Tucker, who also acknowledged receiving a copy of the letter.

“As co-chairman of the Guilford Free Library, I am deeply offended and disturbed to receive an anonymous letter which I believe is threatening,” wrote Tucker, who reported the letter to Vermont State Police. .

Adam Silverman, spokesman for the VSP, said an investigation, which was carried out by Westminster Barracks, “determined that the letter did not constitute a breach of the Threats Act”.

“I am troubled that the person or persons who sent this letter are using what appears to be a menacing scare tactic regarding their opinion of the proposed Guilford Free Library expansion,” Wizansky said. “We have legal, respectful and neighborly ways to agree and disagree on matters at Guilford. This letter is not one of those ways. The public should know about it. I refuse to be treated this way.

The July 25 and August 8 meetings were recorded by BCTV and are available at https://www.brattleborotv.org.

PUBLIC RECORDS ACT AND PUBLIC RECORDS LAWSUITAt Monday night’s meeting, council members also discussed updating the city’s public records policy to align with state laws.

“We will better understand how we can meet demands in the future,” Eastes said. “And we will be able to better educate our employees on how they can resolve these issues and what documentation may or may not be provided.”

Under the Public Records Act, all public records are open to public inspection or copying, except as specifically provided by law. According to the Secretary of State’s website, there is a basic set of 42 exemptions under the law, but there are subsets under the law, totaling over 200 exemptions.

Eastes said the council did not intend to restrict access to public records, but to streamline the process so city employees understand what is and is not public and how long they have. to answer.

Eastes acknowledged that the city’s policy review was a result of the library expansion discussion.

Guilford resident Jason Herron requested a number of documents related to the expansion, the town’s conflict of interest policy and conflict of interest statements collected by the town from various members of council.

Herron filed a lawsuit in Windham Superior Court, Civil Division, appealing a denial of access to public records.

“I would greatly appreciate the Court’s intervention and assistance in holding Guilford Selectboard accountable to Vermont laws regarding the public records I seek to obtain,” Herron said in the filing.

In their response to the filing, city attorneys said Herron had received all of the existing documents he requested. They also argue that because Herron did not appeal to the “head of the agency regarding his request for public records”, he did not exhaust his administrative remedies.

Therefore, they wrote, Herron’s complaint should be dismissed.

“While Mr. Herron may be upset that it appears that every member of the Selectboard has not completed the questionnaire every year, a call to the public records is simply not the appropriate venue for his concerns,” they wrote. writing.

“Mr. Herron jumps to the assumption that an annual request to Selectboard members to complete a questionnaire means that a complete questionnaire was submitted to the City each year by each Selectboard member,” the attorneys noted. “When ‘an official was asked to complete a form but did not do so or provide it to the City, no public record was created. … [T]There is no relief that this Court can provide via an appeal of the public records, as there are no withheld documents. The City simply does not have all the documents Mr. Herron is looking for…”

In an objection to the dismissal filed by Herron’s attorneys, Facey Goss & McPhee, said Herron’s request was to “discern whether a certain member of the Guilford Selectboard [Richard Wizansky] violated (among other things) the city’s conflict of interest policy in connection with his dual role as selection committee member and administrator of the local library. »

Herron’s attorneys also noted that the city was charging their client $816 in “administrative time” and $6 in copying costs to respond to his request.

The attorneys also noted that the city failed to comply with the three-day warrant under state law and took more than a month to respond.

“A hearing is required to determine whether the city improperly withheld or destroyed public records,” Herron’s attorneys wrote.

According to the state’s court filing system, a “notice of possible termination” was sent to Herron’s attorneys on Tuesday. The reformer requested a copy of the opinion but had not received it at press time.

Crypto trading guru lays out key areas to watch for Bitcoin’s uptrend to persist


The cryptocurrency market is still struggling to regain its strength after a series of adverse events in the industry, leading crypto traders and investors to intensely scrutinize the price activity of its largest asset and to try to predict its next price moves.

In particular, crypto trading expert Michaël van de Poppe, after a detailed analysis of previous Bitcoin (BTC) actions, noted its correction and explained why it was happening in a Tweeter August 9.

According to him, Bitcoin is correcting due to (in his view, unwarranted) fears over the new Consumer Price Index (CPI) or inflation data report due out on Wednesday, August 10, as well as the “ resistance around $24.K continues to be the resistance.

Additionally, van de Poppe pointed out that he “expects to see a test around $23-23.2K to hold, so the trend continues.” Moreover, the experienced crypto trader believes that another resistance test would lead to a “breakout towards $28,000”.

Bitcoin price analysis and forecast. Source: Michael van de Poppe

What other experts anticipate from Bitcoin

Meanwhile, another crypto market expert, Ali Martinez, said that the first crypto could reach $27,000 in the near future, if it holds the crucial support level in the $22,720 demand zone at $23,390.

Meanwhile, billionaire and CEO of crypto investment firm Galaxy Digital, Mike Novogratz, played down his previously bullish Bitcoin scenario, admitting he was “happy with a $20,000 to $30,000 range.” for Bitcoin by the end of the year.

Interestingly, Novogratz previously expressed his exceptionally high predictions for Bitcoin over the next five years, saying that its pace of adoption and special features will undoubtedly help it reach the $500,000 figure during that time. .

At press time, Bitcoin is trading at $23,299, which is down 3.36% on the day, but still up 2.13% over the previous seven days, according to data Finbold has. extracted from CoinMarketCap.

Disclaimer: The content of this site should not be considered investment advice. The investment is speculative. When you invest, your capital is at risk.

South Korea to probe Apple and Google over violation of in-app payment rules – TechCrunch


South Korea’s communications watchdog, the Korea Communications Commission (KCC), said on Tuesday it would investigate Apple and Google over possible breaches of the country’s in-app payment rule. Local media reports noted that the agency will begin this investigation on August 16.

Besides Apple and Google, the KCC is also investigating SK Group’s in-house app store called ONE Store. The watchdog said it had reviewed the practices of the three app stores since May 17 and determined they may have violated the country’s telecommunications law passed last year.

The new rule allows developers to use third-party payment options for in-app purchases and prevents app store operators from forcing them to use their own systems. apple and Google both have agreed to abide by these rules and offer a 4% discount on App Store fees for using alternative payment operators.

In guidelines released for developers in June, Apple asked developers targeting the South Korean App Store to submit a separate binary file for using third-party shopping systems.

Google’s policies regarding in-app purchases that came into force in June Google Play Billing mandate worldwide, except for regions like South Korea. However, these rules prohibit apps from including external payment links even in-country. The company blocked updates to the KakaoTalk chat app last month for violating these rules. In response, the South Korean messaging giant agreed to remove those links. Earlier this month, KakaoTalk said its special emoji purchases dropped by a third due to Google’s rule change. Korea’s rules don’t say anything explicitly about using external links as a payment option, so the country’s agency could investigate these actions.

The KCC said that if it finds companies breaking payment rules in the app, it will issue remedial orders or fines – which can be up to 2% of the company’s average annual revenue for the activities. related.

In response to KCC’s investigation, Google said it would cooperate with the investigation.

“We have worked closely with government stakeholders and our developer community to expand user choice in Korea under the new law, while continuing to ensure we can invest in the ecosystem and deliver a great experience. safe and high quality for everyone. As we have done at every step of this process, we will continue to cooperate with the KCC,” a company spokesperson said in a statement to TechCrunch.

Apple and Google have both come under scrutiny over app store monopolies around the world. In addition to South Korea’s telecommunications law, the EU in July passed the Digital Markets Act (DMA) to require tech giants to operate under fair business practices, which may prohibit app stores to use a single method of payment. US lawmakers are also considering rules to end Apple and Google’s monopoly on app distribution on mobile devices.

We’ve reached out to Apple for comment, and we’ll update the story if we get back to you.

Story updated with Google’s development comment.

South Korea to probe app store operators over alleged in-app payment violations


SEOUL, Aug 9 (Reuters) – South Korea’s telecoms regulator said on Tuesday it plans to launch an investigation into app store operators such as Apple Inc, Alphabet’s Google and One Store over alleged breaches of the Integrated Payments Act.

Last year, South Korea passed the law, an amendment to the Telecommunications Business Act, which prohibits major app store operators such as Google and Apple from forcing software developers to use their payment systems.

The rules have been in effect since March.

The Korea Communications Commission said in a statement that it had been conducting an inspection since May 17 to determine whether Google, Apple and One Store had violated the revised Telecommunications Business Law. He determined that the three app operators may have broken the rules.

The KCC added that it plans to take strict measures such as remedial orders or impose fines if the investigation uncovers prohibited activities.

Prohibited acts include app market operators unfairly delaying the review of mobile content or denying, delaying, restricting, removing or blocking the registration, renewal or inspection of mobile content that uses third-party payment methods.

Potential fines for violations will be up to 2% of the average annual income from related business practices, according to the rules. (Reporting by Heekyong Yang; Editing by David Holmes)

The housing market in Northern Ireland appears to be slowing down


The cost of living crisis, rising interest and mortgage rates and ever-increasing economic and political uncertainty in Northern Ireland appear to be dampening activity in the housing market, according to the latest research from the University of Ulster.

Quarterly House Price Index results show that despite another quarter of consecutive house price growth, rising consumer costs and interest rates are causing household budgets to continue to squeeze , and this has started to impact market activity, with a third of real estate agents reporting a reduction in new inquiries in selected market areas between the first and second quarters of 2022.

The report also found that while 86% of agents expect prices to either stay largely the same or see ‘lower’ price inflation over the next three months, the housing market in Northern Ireland is approaching a peak. ‘activity. Ongoing demand and supply challenges remain, but the longer-term picture foresees lower transaction levels as inflationary pressures and rising consumer costs are expected to have a greater impact on the local market for lodging.

The Quarterly House Price Index, produced by the University of Ulster in partnership with the Northern Ireland Housing Executive and the Progressive Building Society, analyzes the performance of the housing market in Northern Ireland during the second quarter of 2022 (April – June).

Other key findings of the report include:

Quarterly house price growth of 3.6% from Q1 2022, with annual growth of 5.6% from Q2 2021. The average price stands at £205,628.

The Terrace/Townhouse sector posted the highest annual price change of 6.9% from Q2 2021, with the average price now standing at £138,942;

The semi-detached sector shows comparable annual price growth of 6.3% with an average price now of £187,861;

The detached sector posted annual price growth of 4.6% and the average price is now £291,071;

The flats sector is showing the weakest annual growth compared to this period last year, at 2.8% with an average price now at £147,594.

Presenting the findings, lead researcher Dr Michael McCord, Reader in Property Valuation at Ulster University, said: “The housing market this quarter continues to show signs of price growth, albeit at a decreasing pace relative to observed quarterly and annual price changes. since the end of the confinement periods. The tailwind that blew through the market after the pandemic, supported by strong levels of demand, appears to be weakening.

“With strong headwinds ahead in terms of inflationary pressures, the cost of living crisis, rising interest and mortgage rates and broader political and economic uncertainty, there is growing uncertainty regarding stability in future price levels The supply crisis appears to have been a key factor in supporting the housing market, and this could serve to “soften” any potential correction as the market returns to long-term activity levels term and more normalized in the second half of 2022.”

Ursula McAnulty, head of research at NI Housing Executive, which commissions the research, continued: “The strong house price growth seen in 2021 continues, albeit at a slower pace, into 2022. However, there are has emerging signs of declining buyer confidence, including a drop in buyer inquiries. With the Bank of England predicting inflation to hit 10% in 2022, the cost of living crisis is expected to continue to affect households in Northern Ireland. It remains to be seen to what extent the lack of supply will temper the effect on house prices, although inevitably there will be more stability in house prices over the remainder of 2022.”

Michael Boyd, Deputy Managing Director and Chief Financial Officer of Progressive, added: “After a prolonged period of market momentum, momentum in the Northern Ireland housing market continued in the second quarter of 2022 with quarterly price growth of 3.5%, but with indicators indicating that market activity levels are starting to cool.

“As expected, the influencers of inflation and consecutive interest rate hikes are expected to dampen momentum in the period ahead, with the majority of agents expecting lower sales volume. Current market prices are expected to be maintained, at least in the short term, thanks to rising construction costs and the continuing imbalance between supply and demand.

“As we enter the second half of 2022, consensus among agents predicts a return to more stable market momentum, with fewer sell orders and fewer buys expected over the next three months. Long-term double-digit inflation forecast by the Bank of England for the fall and continued pressure from households will likely impact transaction levels with a more cautious buyer landscape.

Throwback to August 8


100 years ago: 1922

The North Auburn Grange will hold its annual outing at Bear Pond on Saturday August 13th. William Bennett will do a round trip for those unable to obtain suitable vehicles.

50 years ago: 1972

Heavy equipment and several men are currently involved in preparing the Plummer and Merrill Funeral Home at 212 Turner Street, Auburn for the short jaunt it will take across the street to a waiting foundation. . The garage will be separated from the main building. The move, which is to be done in two parts, was necessitated because the funeral home is on Union Street Bypass Road.

25 years ago: 1997

The Community Little Theater production of the musical ‘Li’l Abner’ kicks off tonight at Great Falls School on Academy Directed by CLT veteran Renee Mahon, the musical revolves around life in Dogpatch, USA . Tonight’s performance starts at 8 p.m. Other performance: will be given on Saturday at 8 p.m. with a Sunday matinee at 2 p.m. The musical stars Joe Cormier in the title role, with Alecia Daigle as Daisy Mae.

The material used in Looking Back is produced exactly as it originally appeared, although spelling mistakes and errors may be corrected.

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Energy bills force homeowners to take out loans for longer


Homebuyers are struggling to take out 25-year mortgages as soaring energy bills have made it harder to get through bank affordability checks.

Instead, borrowers are forced to take out 40-year mortgages to spread the cost of their loans and make repayments affordable.

Millions of people will have to pay more on their energy bills than their mortgages this winter and borrowers have turned to ultra-long mortgages to reduce monthly outgoings. The number of buyers looking for a mortgage with a term of 40 years or more has doubled over the past year to more than 10,000 per week, according to analysis by Twenty7Tec, a mortgage data. Borrowers have always used loans with a term of 25 years.

Longer mortgages mean smaller monthly repayments, which helps overburdened borrowers pass the affordability tests set by lenders. But buyers will pay a lot more over the life of the mortgage because the interest due on the loan is longer.

A borrower with a mortgage of £250,000 at a rate of 3.5% would pay £125,600 in interest over a term of 25 years. The same mortgage over a 40-year term would cost £215,098 in interest, almost £90,000 more.

But homeowners and first-time buyers have had little choice in the face of soaring utility, food and fuel bills, which have hampered their borrowing power.

Investec bank analysts raised their forecast for the annual price cap this week, predicting it will hit £3,523 in October and then rise to £4,210 in January. That compares to a cap of £1,977 today. Separate forecasts from consultancy BFY Group have warned that the average gas and electricity bill could reach £500 a month this winter, meaning many will pay more for energy than their homes.

Throwback to August 6


100 years ago: 1922

Those who, of course, think that funeral parlor conventions are very serious occasions, devoted primarily to discussion of matters in their profession, should read the announcement of what is to take place at this Maine Association convention at Augusta, August 8- ten.

There will be discussions and business details, that’s for sure, but after a banquet at the Augusta house, we read that there will be a cabaret – a unique program by charming young ladies who simply radiate good humor. And one of them, among other women, is to present a “coquette character dance”.

A touch of novelty will be added. also, strictly to convention, as we learn that on opening day “live models will be sporting funeral robes.”

50 years ago: 1972

Debris from the Cushman-Hollis building is being demolished and is being dumped in the Dennison Street ravine, an area that will eventually be upgraded and slated to become a city park.

Auburn city engineer James Jolicoeur said debris from a total of 39 buildings, including the large Cushman-Hollis building, was dumped into the ravine and that that, along with fill that will be added more later will create a situation that could lead to a park being established there.

Jolicoeur said the entire area will be graded to conform to the slope of the surrounding terrain and adequate clean fill will be added.

25 years ago: 1997

The former Lutheran church that stood near the entrance to Central Maine Medical Center on Main Street is now part of history On Monday, the hospital tore down the structure, which was the original site of the Evangelical church Lutheran Grace, so she could enlarge the entrance and create “green space” where the church once stood.

The old church served as a landmark in the community and was dear to the hearts of many people of German descent, whose parents and grandparents helped build the structure.

This month marks the 75th anniversary of the laying of the cornerstone of the church, said the Reverend Marian Marks, pastor of Grace Evangelical, which is now located on Summer Street in Auburn.

Marks said it was sad for some in the congregation to see the church being demolished in its original location, but they will move on. “For some people the building was the church, for others the building was just a building,” she said.

Longtime member of the congregation, Erna Schutt, who was 3 when the cornerstone was laid, said it was no surprise the old church was razed. “It’s the people, not the building.”

The material used in Looking Back is produced exactly as it originally appeared, although spelling mistakes and errors may be corrected.

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Feds: Small Business Loans to Various Homeowners Rise in Eastern Pennsylvania | Thursday morning coffee


Small business loans to business owners in historically underserved communities have increased in eastern Pennsylvania, federal officials said this week.

The U.S. Small Business Administration Eastern Pennsylvania Districtthat is made of 40 of Pennsylvania’s 67 counties, reported that the SBA 7(a) loan, its standard small business lending program, has seen “significant gains” in lending to underserved communities over the past year.

“In traditionally underserved markets, small businesses have access to much-needed capital to succeed in our communities. SBA loan programs play an important role in helping small businesses start, grow and succeed,” said Director Steve Dixel, SBA Eastern Pennsylvania District. “I am proud of the work our district team has done to engage lenders and the positive trends we are seeing in SBA lending.

The SBA reports that loans increased by:

  • 111% at Black owned small enterprises (72 loans for $26.3 million),
  • 105.9% at Owned by Hispanics small enterprises (70 loans for $20.3 million),
  • 100% at Belonging to American Indians small enterprises (4 loans for $5.8 million),
  • 1.2% at Owned by Asian Americans/Pacific Islanders small enterprises (85 loans for $80.9 million).

“Fairness is a top priority for the SBA, and we believe that all American entrepreneurs deserve a level playing field,” Sonia Smith, a spokeswoman for the administration told the Capital-Star. “During COVID, we’ve learned how essential equitable access survives and thrives, and at the SBA, we’re working to build better connections with Black-owned businesses and underserved communities across this country.”

Our things

New from our partners in City & State PA: What is Gab? A look at the far-right social media platform supporting Doug Mastriano.


Jacob Fischler reports: Pa. eligible for more than $244 million in U.S. Department of the Interior mine cleanup funds.

Ariana Figueroa writes: Record rent increases and low wages are driving an eviction crisis, a US Senate panel has said.

On our Commentary page this morning:

Andre Simms and Tracie Johnson write: End of the direct file: A step towards flawless care for all our young people.

Benjamin Pontz writes: The breathtaking case of the Wolf administration before the Supreme Court.

Somewhere else

From Pittsburgh Post-Gazette: Doug Mastriano said Pennsylvania was “at a crossroads” during a campaign stop at the Crawford County Fair.

Stimulus checks for Pennsylvanians: Governor Wolf, Pennsylvania. Democrats continue to push for $2,000 payouts, PennLive reports.

morning call reports: On the anniversary of the Americans with Disabilities Act, the Lehigh Valley is more accessible than ever ⁠—but not there yet.

Of The Centre’s daily hours: Penn State won’t answer key questions about its handling of sex extortion involving student-athletes.

Here’s your #Pennsylvania Instagram of the day

(Image via @twitchyguy/Instagram.com)

What is happening

11:00 a.m.: First Lady Frances Wolf and Acting Education Secretary Eric Hagarty will discuss an initiative to address hunger on college campuses Thursday at the Biemesderfer Executive Center in Millersville.

11:30 a.m.: Governor Tom Wolf and educators will discuss education funding at Lauer’s Park Elementary in Reading on Thursday.

1:30 p.m.: Governor Tom Wolf and Secretary of Agriculture Russell Redding celebrate the nearly $72 million invested in the PA Farm Bill at Harding Beef Farm, at State College.

And now you are up to date.

FPCCI asks SBP to verify speculative transactions in dollars


KARACHI: The Federation of Pakistan Chambers of Commerce and Industry (FPCCI) on Wednesday requested the State Bank of Pakistan (SBP) to control speculative transactions in dollars.

FPCCI Chairman Irfan Iqbal Sheikh in a meeting with a high-level SBP delegation visited the House of Federation, urged the central bank to use a political tool to check the speculative dollar trade in the over the past few weeks.

READ MORE: FPCCI warns of factory closures as rupiah tumbles against dollar

The senior management of the SBP headed by Governor (A) Dr. Murtaza Syed and comprising, among others, Deputy Governors Dr. Inayat Hussain and Ms. Sima Kamil visited the FPCCI to discuss the current economic challenges and measures taken by the government and SBP.

FPCCI Chairman, Mr. Irfan Iqbal Sheikh, in his inaugural address, welcomed Dr. Syed and the senior management of the central bank for their visit to FPCCI.

Shedding light on the current trading scenario from the perspective of the FPCCI, he asked the Governor (A) to use the policy tools available at the disposal of the central bank to verify speculative transactions in the dollar over the past few years. weeks.

He observed that importers, manufacturers and industries were the beneficiaries due to the speculative nature and unavailability of dollars, the shortage of industrial raw materials and the resulting disruptions in production processes.

READ MORE: Foreign investors discuss economic situation with SBP

Irfan argued that over the past few weeks, commercial banks have been offering LCs to importers at rates above interbank rates and called on the SBP to play its course-correcting role.

Dr. Murtaza Syed, Governor (A) of State Bank of Pakistan (SBP) announced the formation of a committee and appointment of an SBP Liaison Officer for close coordination with the FPCCI and prompt resolution of works council grievances. He made this announcement during his visit to the FPCCI at the invitation of their management.

The Governor (A) appreciated the business community for their endurance in the face of the challenges posed by international and national events and assured that SBP will give them full support by addressing their concerns as much as possible.

Governor (A) in his address informed the audience that the IMF staff level agreement is already in place and board level approval is expected in the third week of August as their board will reunite after their holidays in the first half of August. are finished.

READ MORE: SBP introduces foreign currency and rupee business accounts

He added that SBP believes that the Rupee is currently undervalued and the Dollar has outperformed the FX market for several reasons; however, he hoped it would return to its true value in 2-3 months. He invited the business community to sit down with the SBP for a constructive consultation process and make suggestions on the current economic situation, foreign exchange and other related issues.

Dr. Syed also assured participants to review the technical requirements of prior approvals required by SBP commercial banks on the clearance of financial documents of shipments with HS codes beginning with 84 and 85, as these restrictions affected the importation of tractor parts. as well as other agricultural machinery.

A senior SBP official highlighted the support given to businesses in general and exporters in particular. SBP raised short-term export refinancing limits from Rs 432 billion to Rs 857 billion over the past four years, reflecting an increase of almost 100%. Similarly, outstanding SBP Long Term Fixed Rate Financing for Exporters (LTFF) has also witnessed an increase from Rs 209 billion to Rs 329 billion over the past three years, reflecting a growth of 57%. .

The Federation has acknowledged that the Temporary Economic Refinancing Facility (TERF) has made a massive contribution to boosting investment and stimulating the economy in the context of COVID-19. It won’t be out of place to mention that most business entities used TERF at rates well below the 5% maximum cap.

READ MORE: OICCI suggests lower duty on locally made cars

The resounding success of TERF has indicated that it has succeeded in filling the void for long term investment in the country. An amount of Rs 436 billion had been approved under this facility for 628 companies.

FPCCI members raised some issues which SBP senior management answered comprehensively during the meeting and assured FPCCI members that central bank senior management was always available to listen to their issues and concerns. resolve first. On a query regarding the expiration of SBP’s renewable energy refinancing facility, the Federation was informed that the program has been extended until June 2024.

In the end, the President of the FPCCI submitted some suggestions for consideration by the SBP. The Governor (A) assured to examine the merits of these suggestions and to take a decision soon.

Letter to the Editor: Occupancy Limit


Lynn Rennshaw’s Letter to the Editor (GT, 7/20) corrected several errors in Ms. Moya’s story. Unfortunately, Ms. Moya’s answer contained even more errors.

Without acknowledging her error, Moya tacitly accepted Rennshaw’s correction that the ISE requires all landlords – not just landlords – to file an annual affidavit (under threat of criminal sanction) swearing to occupancy. It has nothing to do with being an owner or owner-occupier. However, Moya made many other mistakes and other misleading claims.

Mrs. Moya falsely states that the tax applies to “Airbnbs unoccupied for at least 120 days” (i.e., occupied for 8 months). This is false for several reasons:

1. Section 3.38.040(G)(1)(h) of the ISE exempts all registered short-term rentals, regardless of the number of days occupied.

2. Properties do not owe the tax if they are occupied at least 120 days/year, not if they are “unoccupied for at least 120 days.

3. About half of the STRs in the city are said to be “housed”, which by definition means that the owner lives there at least half the year. That in itself would render these STRs exempt from tax, regardless of the other exemptions I describe.

4. Properties that are unregistered vacation rentals are already in violation of the city ordinance, and the city has been actively enforcing that ordinance for years. Either way, if any still exist, they would not be in violation of the ISE even if illegally rented and otherwise occupied for at least 120 days/year. If Ms. Moya refers to these properties (if there even are any), she certainly doesn’t say so clearly in her story. Moreover, these owners are already defying city laws and can hardly be expected to comply with the ISE.

As Lynn Rennshaw pointed out, Ms. Moya has repeatedly used the term “empty vacation rentals” when it does not apply. Perhaps she was confused about this because many ISE proponents also mistakenly believe that ISE applies to vacation rentals when it does not.

Eric Grodberg

santa cruz

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Reagan: Who got America into this mess? | Opinion


Many puzzled Americans ask the question, “How did we get here?”

They wonder how come a rich, powerful, and generally happy country that was doing so well in the 21st century became an economic, social, and ideological wreck almost overnight.

It’s a good question – and the answer has little to do with the pandemic and the collateral damage we’ve done to ourselves with the lockdowns and the war on COVID.

Today, the country is divided into dozens of red-blue factions that bitterly quarrel over everything from federal spending and abortion to oil pipelines, gun control, vaccines and “corrective” surgery. genre for 12 year olds.

The liberal mainstream media have become the unabashed watchdogs of the ruling Democrats in Washington, D.C.

The comedians are canceled for being incorrectly funny. Future justices of the United States Supreme Court cannot – or will not – define the word “woman”.

Our great and special country has never been perfect, of course. For starters, ask Native Americans, Blacks, women, and gay people.

But the America of 2022 has gone mad – in every sense of the word. And the person we can lay most of the blame on is….

Barak Obama.

In 2008, the Chicago liberal saint entered the White House with the ideal of hope and change, his powerful speech and the promise of a better, colorblind and more equal future for all Americans.

But once in power, as his grand dreams evaporated, he lit the fires and fanned the flames of much of the political madness and negative feelings about America that we suffer from today.

For example, Obama was the first president in my life to openly criticize certain people in the population.

“You didn’t build this,” he told business people who started successful businesses.

“The police acted stupidly,” I think he said, criticizing Boston cops who arrested Professor Henry Louis Gates for “breaking and entering” his own home.

The whole theme of “police hating” – which turned during the Trump years into a “defund police” campaign – was essentially triggered by Obama’s attitude towards the police and his ignorance of gang violence that ravages cities like his hometown.

Meanwhile, Obama’s wife, Michelle, was the first first lady to publicly say she wasn’t proud of America.

And when Barack toured Europe, he made it a point to publicly apologize for America’s past failures.

But it’s now clear that the worst thing Obama did to the country in the long run was Joe Biden.

Instead of his many possible but now forgotten vice presidential choices, Obama chose a longtime, failed, gaffe-prone “moderate” hack Democrat and failed presidential hopeful from the indifferent state of Delaware.

Senator “Amtrak” was carrying a career’s worth of bad bipartisan baggage.

Friend of former KKK like Senator Robert Byrd, enemy of school integration bus, plagiarist, hawk on wars in Iraq and other places in the Middle East, badass on urban crime, bad handler of Clarence Thomas confirmation hearings – Biden held a slew of positions that simultaneously offended or embarrassed his friends and foes.

Biden was the booby prize for VP candidates in 2008 — and we can thank Obama for helping Old Joe finally become the booby prize for US presidents in 2020.

President Biden — who some say is really Barack Obama’s third-term spokesperson — is the spokesperson for the left-wing nefarious energy and environmental policies that the old “Old Joe” of yore would never push.

Unfortunately, we’re stuck with Biden for another two years, if he can last that long.

But there is hope for America to be great again – again.

In the fall, the Republicans will take over Congress. Obama’s socialist ideas and his negative attitude towards America will die the political death they have always deserved.

And we’ll never hear from them again – until 2024, when Democrats put Michelle Obama of Martha’s Vineyard at the top of the list.


– Michael Reagan is the son of President Ronald Reagan, political consultant and author of “Lessons My Father Taught Me: The Strength, Integrity, and Faith of Ronald Reagan.”

Zomato stock price: Zomato shares rallied after a steady decline, trading flat after falling 10%


Zomato Stock Price In the recent past, there has been a steady decline in Zomato stock. Investor confidence was shaken after the Blinkit deal. But after the results for the April-June quarter, there is a correction in equities.

Zomato shares fell nearly 10% on Wednesday amid reports that ride-hailing app Uber sold its entire stake in the food delivery company. The stock fell 9.62% to Rs 50.25 on BSE. Later, it regained investor confidence and was trading at Rs 54.40, down 2.16%.

Shares of food aggregator and delivery company Zomato rose about 18-20% on Tuesday. After the company announced a reduction in net loss in the first quarter (April-June) of 2022-23, investor confidence returned and Zomato shares rallied. The company’s net loss in the quarter amounted to Rs 185.7 crore, compared to Rs 343.1 crore in the corresponding period of the previous financial year. The company’s revenue in the quarter increased by 67% to Rs 1,413.9 crore from Rs 844.4 crore in the same quarter last year. The increase in turnover is also explained by an increase in the value of orders.

Note that in July, Zomato completed its first year as a listed company on Indian stock exchanges. The initial public offering of the publicly traded food aggregator received an exceptional reception on July 23, 2021. It was taken out at a price 38.25 times higher. It all started well with a 53% bonus. Although currently, Zomato’s share price is down about 65-70% from the high of Rs 169. Even though the company made decent profits after its IPO in July last year, it was unable to take it further. Shares of Zomato recently fell after the end of the mandatory one-year lock-up period to raise paid-in capital.

Things got worse after the Blinkit deal

Zomato’s margins were negatively affected due to rising fuel costs and inflation. The company is currently planning to reduce its losses and increase its profits. After the acquisition of Blinkit, Zomato’s stock kept falling. Let us inform that Zomato board had recently approved the proposal to acquire fast trading company Blinkit for Rs 4,447 crore. Blinkit was formerly known as Grofers. The acquisition is believed to make better use of Zomato’s hyperlocal delivery fleet. This will also help reduce delivery costs.

Emergency loans available for small businesses in Eastern KY / Public News Service


Quick turnaround loans of up to $5,000 are available for small businesses in eastern Kentucky affected by devastating flooding that killed at least 28 people in more than a dozen counties.

Many local businesses in the area were just beginning to make a comeback after the pandemic, said Robert Allen, director of loans at the Mountain Association, and now they will need help to rebuild. He said residents and rescue teams beginning the cleanup process relied on shops and stores to provide basic necessities.

“There are grocery stores there that are a vital part of the community, where the food source is,” he said. “There are businesses that are going to have a very hard time rebuilding, and the economic impact is real.”

Allen said loan information may not yet be available online, but wants residents to know to keep checking back. mtassociation.org for updates. President Joe Biden has declared the flooding a federal emergency, which opens the door to assistance from the Federal Emergency Management Agency and federal aid for recovery efforts. The loans aim to help business owners with immediate needs and have a six-month, interest-only repayment period.

Allen said the goal is to get local businesses “back on their feet” as quickly as possible “to cover expenses that will come from critical equipment they may need – loss of revenue, need for more capital, cleanups – whatever whatever the case may be.”

FEMA Support Requests are online at assistancecatastrophe.gov. If specific county information is not yet available, residents can pre-apply and the application will be processed once the county has been included in the federal filing. Home Crisis Cleanup help is also available at crisiscleanup.org.

Disclosure: Mountain Association contributes to our fund for reporting community and volunteer issues, consumer issues, environment, rural/farm. If you would like to help support news in the public interest, click here.

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Waunakee Chiropractic Adjustment for Sports Injury Pain | Updated treatment


The announcement comes with Hellenbrand Rabideaux Chiropractic aiming to make significant improvements in the level of chiropractic care available to Waunakee patients. Using a wellness-based approach, the practice offers a range of therapies and remedial exercises with the aim of helping patients recover from injuries or instances of chronic pain.

For more information see https://www.hrcwaunakee.com

As a result of its updates, Hellenbrand Rabideaux Chiropractic now offers a wider range of care plans to its Waunakee community. The move allows the practice, led by local chiropractors Dr. Nick Hellenbrand and Dr. Sara Rabideaux, to offer patients of all ages exercises and health programs based on their needs.

The Waunakee practice explains that chiropractic care is designed to stimulate the body’s natural healing prowess by ensuring the nervous system is functioning properly. According to representatives, such care can achieve this by correcting structural misalignments through a range of adjustment techniques.

Hellenbrand Rabideaux Chiropractic now offers a specialized selection of these techniques, using state-of-the-art equipment and manual therapy to achieve the desired effects. Its staff offers adjustments spanning the Gonstead, Diversified, and Thompson methods as well as those that implement drop tables and portable instruments — depending on patient needs.

With another list of services including dry needling, neurospinal health screenings, and nutritional counseling, Hellenbrand Rabideaux Chiropractic aims to implement ongoing treatment plans that facilitate a full recovery. The firm advises that its options are suitable for treating sports injuries as well as relieving pain in the back, shoulders or extremities.

“I go to Dr. Sara when my back and neck are bad,” said one patient. “The results always seem to surprise me. She is extremely professional and does a fantastic job explaining the process so I know what to expect. After the adjustment I still feel much better – I highly recommend Hellenbrand Rabideaux Chiropractic.

Hellenbrand Rabideaux Chiropractic continues to operate at its Waunakee facility, frequently treating patients from the surrounding Madison area. The firm offers online and telephone contact options.

Interested parties in and around Waunakee can find more details about Hellenbrand Rabideaux Chiropractic at https://www.hrcwaunakee.com

Contact information:
Name: Sara Rabideaux
Email: Send Email
Organization: Hellenbrand Rabideaux Chiropractic
Address: 507 W Main St Suite C, Waunakee, WI 53597, USA
Phone: +1-608-849-5550
Website: https://hrcwaunakee.com/

Build ID: 89079346

If you detect any problems, problems or errors in the content of this press release, please contact [email protected] to let us know. We will respond and rectify the situation within the next 8 hours.

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Letter: Anti-Reawakening ESG Rhetoric Will Harm Society


Astonishment and horror are the only valid responses to “the global rise of ESG collides with anti-awakening politics in US capitals” (Moral Money, FT.com, July 25). Yes, it’s true that “from Tucker Carlson to Mike Pence, bashing ESG investing has become a popular sport among American conservatives” and, yes, it’s true that in the “best of all possible worlds ‘such criticism'[might] be ignored as a political posturing”.

However, as Cacambo once observed in Candide, optimism is “the stubbornness to maintain that everything is the best when it is the worst”. Anti-awakening rhetoric, if tolerated, will have real and detrimental consequences not only for the states that embrace it but also for job creation, business and society.

Environmental, social and governance aspects should be considered as a necessary adaptation to a rapidly changing competitive landscape. A global cost correction is now underway and it is time to foot the bill for the negative externalities imposed on society, including pollution and carbon emissions. Companies and investors that do not adapt to these new realities will eventually perish. There is also an opportunity to bring innovative and sustainable products to market that meet changing customer demands. Consider electric vehicles and plant-based diet products – there’s nothing “woke” about adapting to changing market conditions.

In the past, companies may have viewed ESG purely as a public relations issue, but today it needs to be considered in terms of competitive adaptation and the real possibility that directors are potentially exposing themselves to accusations of breach of duty and claims against them for deceit and deceit. conduct.

And for those who claim ESG metrics are problematic; yes, indeed, but we cannot throw the baby out with the bathwater. Instead, we must work diligently to refine, improve and standardize these measures to truly reflect underlying business practices. This is the only way for ESG metrics to be useful for investment decisions. Fundamentally, there is nothing “woke” about understanding corporate social performance: it is crucial for long-term survival and competitiveness.

Republicans are the business party, but removing barriers to long-term competitive adaptation is certainly not a business-focused way forward. Unless, of course, the real purpose is the protection of vested interests and political donations.

Dr Ioannis Ioannou
Associate Professor of Strategy and Entrepreneurship, London Business School, London NW1, UK

Democrats in Congress urge Biden to extend pause on student loans


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Democrats in Congress urge Biden to extend pause on student loans

Open for Business: IT Innovations


IT innovations
A change of ownership took place on April 10 for longtime retailer Computer Innovations. Chad Albert said he bought the 26-year-old business at 308 E. Republic Road from Steve and Carol Yates for an undisclosed price. The company, which Albert said changed its name in 2015 from Computer Renaissance, sells new and refurbished PCs and Macs. It also offers offsite and in-store repairs and sells computer parts, cables and peripherals. Albert said he signed a five-year lease for an undisclosed rate with Tillman Properties LLC. He leads a team of six people in the 2,835 square foot store. Albert said he has been involved in the information technology industry for over 25 years. This includes being the former senior vice president of technical operations at Healthcarefirst Inc., which he co-owned before leaving in 2017. Albert said he was interested in buying Computer Innovations after learning that the Yates wished to retire.
Call: 417-882-7788
the Web: ComputerInnovations.net

Bee Flight Air Services
Ozark-based Bee Flight Aerial Services took to the skies on March 12. Owner William Kinner employs three for his company, which offers aerial photography and video production using drones. He said the company provides services for many purposes, including real estate photography, hotel promotions and social events, such as weddings. Kinner and its employees are Federal Aviation Administration licensed and insured. Start-up costs were $23,000, he said, adding that plans in 2023 are to build an office in Highlandville. Kinner said his father, who did aerial photography in the 1960s using remote-controlled planes and cameras with timers, inspired him to start Bee Flight. After taking photos and videos for his friends using drones for the past three years, Kinner said he decided to start his first business.
Call: 855-233-2021
the Web: BeeFlightServices.com

Elders of the Ozarks Act
Another Springfield-based Ozarks Elder Law LLC office moved this year with the firm’s May 1 move to Bolivar. Owner and attorney-manager Lori Rook said the law firm expanded to a larger space with its move to 640 E. Buffalo St. from 910 E. San Martin St. The 1 200 square feet was formerly occupied by the correctional services of the outpatient clinic. Rook declined to disclose relocation costs or the rate for his one-year lease with DCBC LLC. The Bolivar office is open by appointment only. The company’s original location on San Martin Street opened in early 2021 and marked its Polk County debut, Rook said, noting the old space was temporary until that a long-term office be found. With other offices in Springfield, Branson, Joplin, Lebanon, Marshfield, Nixa, Ozark and Republic, the firm handles the legal needs of the elderly and disabled. The company also moved its Nixa office on June 1.
Call: 417-868-8200
the Web: OzarksElderLaw.com

Letter: Why I vote Alf Barbalunga for Berkshire Sheriff | Letters to the Editor


To the Editor: In the Berkshire County Sheriff’s Race, the main issue is clear: should inmates be shipped long distances to Chicopee at taxpayer expense, against their will and away from their families and of their lawyers instead of being housed in our own Berkshire? County Jail and Reformatory?

Our current sheriff started this discriminatory program and refuses to end it. If he doesn’t end this unjust agenda against local women, Berkshire County voters should stop him by voting for Alfred “Alf” Barbalunga as sheriff. He has pledged to end this discrimination by bringing female inmates back to our local prison in Cheshire Road. This will reduce transportation costs and help women successfully transition into society. One of the original reasons our current reformatory was built was so that female prisoners could be housed in Berkshire County and not outside the county.

Please join me and other progressive Democrats in voting for equal treatment for female prisoners by voting for Alf Barbalunga as Sheriff.

Patrick Gable, Pittsfield

The author is an attorney who was formerly an assistant attorney for Berkshire County and an assistant attorney general for Massachusetts.

Relief for Sri Lanka? World Bank says there will be no loans until a ‘framework is in place to deal with the crisis’

The World Bank Group on Friday (July 29th) expressed grave concern over the dire economic situation and its devastating impact on the people of Sri Lanka. The international monetary agency said in a statement that it is “reallocating resources” from existing loans in its portfolio to return essential items that have suffered critical shortages such as medicine, cooking gas, fertilizer and meals available for school children. as vulnerable adults. The World Bank has also proposed that provision be made for meals and tuition waivers for children attending school.

“We are working closely with implementing agencies to establish strong controls and fiduciary oversight to ensure these resources reach the poorest and most vulnerable,” the World Bank said in a July 29 statement.

“We will continue to monitor this closely. We are also coordinating closely with other development partners to maximize the impact of our support to the people of Sri Lanka,” he added.

“No new funding for Sri Lanka”

According to the World Bank, until an adequate macroeconomic policy framework is in place to deal with the Sri Lankan crisis, it does not plan to offer new financing to the island nation. The international financial institution stressed that reversing the worst economic and financial crisis “requires deep structural reforms focused on economic stabilization, as well as addressing the root structural causes that created this crisis in order to ensure that the recovery and future development of Sri Lanka are resilient and inclusive”. “

“Until an adequate macroeconomic policy framework is in place, the World Bank does not plan to offer new financing to Sri Lanka,” the international monetary bank had repeated.

Earlier, the World Bank refuted rumors of approving a “bridge loan or new loan commitments” for cash-strapped Sri Lanka. The bank said this, among other assertions, is incorrect. “We are concerned about the people of Sri Lanka and are working in coordination with the IMF and other development partners to advise on appropriate policies to restore economic stability and broad-based growth,” the World Bank also reiterated.

Trading strategies: Mehul Kothari recommends buying Tech Mahindra and selling SBI



Tech Mahindra

Buy near: Rs 1,030

Objective: Rs 1,100

Stop Loss: Rs 990

After a corrective move followed by some consolidation, Tech Mahindra stock is gearing up for further upside.

On the daily chart, it confirmed a higher bottom formation and this indicates a reversal. At this point, the stock is poised to take another break above Rs 1,045.

Thus, we advise traders to buy the stock near Rs 1,030 for an upside target of Rs 1,100 in the coming sessions.



Sell ​​below: Rs 530

Objective: Rs 510

Stop Loss: Rs 540

Recently, SBI stock rebounded more than 10% from lows of Rs 475 without any significant correction.

At present, it is hovering near the multiple highs area of ​​Rs 540. On the daily scale, we are seeing a Doji candlestick pattern which indicates the possibility of cooling.

Thus, we advise traders to sell the stock below Rs 530 in futures for a bearish target of Rs 510 in the coming sessions.

(Mehul Kothari – AVP – Technical Research, Anand Rathi Shares & Stock Brokers. Views are personal).

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Letter to the editor: Bright Health’s proposed rate hike should come as no surprise given its history of issues


Bright Health is trying to raise healthcare premiums by 49% for 2023 should come as no surprise.

Since 2021, more than 100 complaints have been filed against Bright Health with the Colorado Department of Regulatory Agencies. My specific complaint was about Bright Health’s inability to properly handle complaints.

Suppliers waited for claims to be settled, which resulted in additional bookkeeping and business management costs. Based on these complaints, Bright Health was recently fined $1 million by the Department of Regulatory Agencies for violations in 2021 and 2022. Approximately $500,000 was owed immediately.

My complaint to the Department of Regulatory Agencies was answered by Bright Health with empty promises to do better. So far in 2022, seven of my nine benefit explanations, commonly known as EOBs, have been incorrectly addressed.

On average, it takes over an hour to reach and speak with an associate to initiate what becomes a months-long remediation process. It becomes disappointing to then receive paper-wasted batches of supposedly corrected explanations of benefits, requiring follow-up calls to clarify further incomplete corrections.

All the while, suppliers were still waiting for payments. Bright Health has lost contracts with many providers because what they agree to reimburse is well below reasonable costs. In many situations, provider reimbursements have not increased for more than five years.

Perhaps if Bright Health invested in better systems, honored its intent to eliminate errors, reduced unnecessary paperwork and postage, and reallocated administrative cost savings, they could manage with much higher premium increases. lower, as well as paying suppliers reasonable rates for services.

Finally, it seems totally hypocritical to pass on massive fines to consumers while continuing to underdeliver. I applaud the efforts of Peak Health Alliances in negotiating with Bright Health.

Summit County deserves a better health insurance provider with reasonable and stable premiums.

OSHA Pros Discusses 3 Common Types of Hazardous Waste


This press release was originally distributed by ReleaseWire

North Richland Hills, TX – (ReleaseWire) – 07/28/2022 – OSHA Pros, LLC proudly offers 40-hour HAZWOPER training online through OSHA.net. In an effort to make HAZWOPER education simple and convenient for trainees, OSHA Pros allows trainees to take courses at their own pace and from a remote location of their choice.

According to OSHA, the HAZWOPER training standards apply to five groups of employees/employers who are at high risk for exposure to hazardous wastes. These groups include:

– Cleaning operations
– Corrective actions involving cleaning
– Voluntary cleaning operations
– Hazardous waste operations
– Emergency response operations

Three of the most common types of hazardous waste that workers listed above may handle on a daily basis include:

– Combustible wastes – Combustible wastes such as gasoline, kerosene, petroleum and oil are used in various industries and can cause serious environmental problems if not disposed of properly.
– Construction waste – Materials such as PVC, plaster, linoleum and asbestos are types of construction waste that construction workers and contractors can frequently come into contact with.
– Corrosive Waste – Often found in batteries and other electronic devices, corrosive waste can cause serious environmental damage if not disposed of properly. Corrosive waste types include lead acid, bromine and magnesium.

About OSHA Pros, LLC
OSHA Pros, LLC is proud to provide 40 hour HAZWOPER training online from the convenience of OSHA.NET. In an effort to promote optimum jobsite efficiency and safety, the 40-hour online HAZWOPER training prepares trainees by covering the safety standards outlined in OSHA 1910.120. All Hazardous Waste Operations and Emergency Response (HAZWOPER) training is developed by Certified Safety Professionals (CSPs) with over two decades of experience in HAZWOPER operations. By understanding the unique risks workers face, the CSP safety professionals at OSHA Pros, LLC develop courses to provide hands-on training experiences for trainees.

Course objectives in the 40 Hour HAZWOPER Online Training include, but are not limited to, Air Monitoring, PPE, H2S Training, Spill Containment, and more! Visit www.osha.net to learn more about OSHA Pros, LLC and the HAZWOPER 40 Hour Online Training!

For more information on this press release, visit: http://www.releasewire.com/press-releases/osha-pros-discusses-3-common-types-of-hazardous-waste-1361385.htm

Messages wrongly offer ‘Biden stimulus loans’

Copyright AFP 2017-2022. All rights reserved.

Social media posts advertise “Biden stimulus loans” of up to $40,000. But Congress has not approved any such program, and the website linked in the posts is operated by a private loan broker with no ties to the US government.

“(July 2022) We’ve been waiting for this and CNBC just announced it!” said a Facebook of July 20, 2022 Publish. “Stimulus loans up to $40,000 are finally available. The application process only takes 1-2 minutes.”

The post features photos of US President Joe Biden and what appears to be a check. Similar Facebook messages refer to a website that directs to an online site loan broker solicit nominations.

Screenshot of a Facebook post taken on July 25, 2022

The website does not mention a link to a government program – and the Biden administration has not approved a stimulus loan package.

“This is not a government program or government assistance, this is an infomercial for a lending service,” reads a disclaimer on the website shared in posts.

The US rescue planwhich Biden signed on March 11, 2021, included emergency grants and business loans aimed at offsetting the economic impact of the coronavirus pandemic. But the package did not include personal loans, as the publications suggest.

A spokesperson for the US Treasury Department told AFP that the site’s offering “is not, to my knowledge, a government program”.

The White House has proposed an additional economic plan called Building back better. But this does not include a personal lending program, either – and the measure has not past Congress.

The online posts are the latest in a series of misleading social media posts that advertise private loans under the guise of government assistance.

AFP has already denied other inaccurate claims about offers of financial aid here and here.

Throwback to July 26


100 years ago: 1922

Chief Harry Fogg of the Auburn Fire Department adopted a small time-saver by having his men’s rubber coats systematically stored on the trucks. A number of places have been digitally materialized and each firefighter must proceed directly to their number and always take the coat there. The officers’ coats are on a different truck so there may not be confusion between officers and men. Thanks to this arrangement, no time should be lost in the event of a fire.

50 years ago: 1972

John Wakefield will be the skipper as he will represent the Taylor Pond Yacht Club in the Sears Cup Central Maine F division, the North American Junior Sailing Championship eliminations which take place Wednesday and Thursday on Taylor Pond.

Craig Edmundson will be the crew and he and Wakefield will face teams from Boothbay Harbor, North Haven, Burleigh Hill, Southport and Camden. The ship class for this elimination will be Enterprises.

The winning team will face the winners of the East and South State Divisions in Portland on August 8-9. The lightning bolts will be used for state eliminations, the winners of which will travel to North Chatham, Mass. to compete for the district championship in Sailors of the Day. The finals will be held in Jackson, Miss., in Thistles, starting August 28.

For this week’s eliminations, Bob Libby will serve as the alternate.

25 years ago: 1997

Perfect summer weather and the smiling faces of happy campers greeted guests at the grand opening of the new Harold and Bibby Alfond Lodge at Camp Susan Curtis on Friday. The 23-year-old summer camp on Trout Lake serves hundreds of economically disadvantaged Maine children each year and is named after the daughter of former Governor Ken Curtis and his wife, Polly. Susan Curtis died of cystic fibrosis as a child.

The new pavilion was made possible by contributions to the Susan Curtis Camp Campaign as well as an estimated $100,000 in donated professional services.

The Alfonds, well-known Maine philanthropists, made a $100,000 challenge donation to the campaign for Camp Susan Curtis. The Harold Alfond Fund will match every new dollar in the campaign up to $100,000. And in a surprise announcement on Friday, Alfond announced, “I’ll give you another $100,000.” which was greeted with much applause and cheers. Friday’s celebration began when Alfond landed in a helicopter at a nearby field and was greeted by the Curtises and camp director Bob Flynn. Since Friday was also the 24th annual Trustees and Friends Day, at least 50 guests gathered along with approximately 90 campers and 36 youth leaders-in-training and camp staff for the dedication. Attendees included Jim Alden, assistant camp director, Tom LaPointe, pioneer camp director, and Dick MacPherson, retired head football coach of the New England Patriots; and Mary Ellen Deschenes, all of the Susan Curtis Foundation.

David Ott, Chairman of the Board, said: “We have been running a fundraising campaign for the past few years with the aim of improving the facilities. The Alfond Lodge is a 10,000 square foot multi-purpose facility. It includes a full institutional kitchen named in memory of Phyllis Millett who served as a camp cook for 19 summers, a 200-seat dining room with a huge fieldstone fireplace and decorated with an art stork created by the campers , a large indoor activity center, staff room, two program centers and a large wrap-around porch filled with picnic tables.

The material used in Looking Back is produced exactly as it originally appeared, although spelling mistakes and errors may be corrected.

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Is there a tendency for the dollar to trade around FOMC decisions?


Scotia is in line with consensus in forecasting a 75 basis point rise this week, but the FX team notes a trend in USD trading around decisions this year, all of which have tended to be hawkish.

“So far this year, the USD has tended to appreciate modestly ahead of the FOMC decision, with initial gains or losses around the outcome of the meeting tending to even out over the few trading sessions. following ones, leaving the DXY more or less stable the following week,” they write.

So far this week, the dollar is weaker ahead of the Fed and they think it will happen more as the consensus dips around Thursday’s second quarter GDP print.

“A cautious Fed and a second successive negative US GDP print are likely to significantly weaken the USD, in our view, at least in the short term. There are clear reasons to believe that the upside risks for the EUR, GBP and JPY are constrained at present (central bank repricing risks are a threat to the euro and sterling, gas price supply remains a clear risk weighing on the Euro and BoJ policy parameters appear unlikely to change before next year’s positioning could turn into a significant USD correction,” they wrote.

In the Dollar Index, they note that the 105.80/85 level is important.

Money Platform users have accounts debited despite loan settlement

Hundreds of The Money Platform customers have had surprise withdrawals from their bank accounts despite repaying their loans months ago.

It is understood that a technical error at The Money Platform’s payment service provider – Mangopay – resulted in the resumption of a number of payments originally made in February and March 2022 on Friday July 22.

YourMoney.com also understands that the issue has affected a number of UK Mangopay customers, so this is not an isolated incident for The Money Platform users.

However, The Money Platform estimates that around 300 former customers were affected by the technical issue.

“They left me with nothing until payday”

Former customers have turned to Trust Pilot to share their shock and anger at Friday’s payments which left some without money for essential bills, while others were found out meaning they have to do face charges accordingly.

One customer posted: “I had an unauthorized payment of £362 taken from my account on 22/7/2022. I don’t have a current loan plan or agreement so I was shocked to see this amount randomly debited from my debit card. I contacted them yesterday and received a response stating that the matter was being investigated and that their payment service provider was at fault.”

Another wrote: “I took £139 from my debit card without authorization on Friday despite paying off my loan months ago. Left me with no money for the weekend. Thanks a lot!”

A customer said: “They stole £120 from my account leaving me with nothing until payday and overdraft charges. No way to contact them and no promise of refund. My previous loan was paid off in February, so that’s stealing.

And in other posts seen, one wrote: ‘They took an unauthorized payment of £139 from my account on July 22 despite having no active loan. It exposed me and ruined my plans for the weekend.

And for a former user, they wrote: “They withdrew £558 from my account after paying off my loan in March. I’m overdrawn now – they won’t pay my overdraft fee I’m sure. »

“It’s very poor”

The Money Platform is a trading name of Gracombex Ltd. It is a peer-to-peer market for short-term loans, connecting lenders and borrowers. For Sara Williams who runs the Debt Camel website, “it’s just another payday lender” because its rep APR is 839.20%.

In his blog post on The silver platform issue, Williams said it’s not the first time he’s had a payment problem. In February and March this year, he collected payment about a week late, citing how banks process transactions behind the delay.

And now customers who contacted the business over the weekend have been told the unexpected payment was due to a problem with its payment service provider.

Williams wrote: ‘They haven’t emailed everyone involved. And there is nothing on their Facebook or Twitter accounts.

“It’s very poor. People who had to take out a payday loan this year may still be struggling financially. The currency platform should know this and take extra care to tell people what is going on.

She added that everyone involved should have their money credited to their account as soon as possible. Users should also be compensated, she suggested.

For those who had higher overdraft charges, didn’t have access to money over the weekend, or had to deal with additional charges such as returned direct debits, they should apply for compensation. approximately £100 and The Money Platform will reimburse the additional costs.

Clients can file a complaint directly with The Money Platform before approaching the Financial Ombudsman if a satisfactory response or no response is given.

“We are sincerely sorry”

The Money Platform, said: “We are working with Mangopay to ensure immediate reimbursement of these payments. Mangopay told us they were issuing refunds to customer accounts this afternoon. We are also working with Mangopay on appropriate compensation for impacted customers.

“We sincerely apologize to all customers affected by this and are working with Mangopay around the clock to resolve the issue.”

YourMoney.com has contacted Mangopay for comment.

Are you concerned? Has your money been refunded to you? Did you receive any compensation? Let us know how the issue affected you by posting to Disqus below.

Throwback to July 25


100 years ago: 1922

Weeks of pipe distribution for the new 16-inch water main, which is to be laid from Lake Auburn to the city proper, began Monday and residents of the city’s upper reaches will be thrilled when that water main and the new pumping station are in operation. These improvements will remedy what is now a serious defect in the water services of these sections. In many houses, it is impossible to draw water from the second floor of a house, when a tap is open downstairs.

50 years ago: 1972

A puppet sewing session for Auburn’s first senior citizens at First Universalist Church, Elm St., Auburn will be held today from 1-3 p.m.

25 years ago: 1997

LL Bean’s new retail store promises to be a place where kids, not parents, will climb the walls while their parents shop.

LL Kids, slated to open August 1, features a climbing wall with sensors that monitor the weight and speed of young climbers. The stability of the treadmill-like surface is adjusted based on how easily children scale the structure. In addition to 2 hiking ramps for testing shoes and a simulated bike path, the rest of the store is packed with clothes for toddlers through teens. The outdoor outfitter has offered children’s clothing since 1993, but the new store is the first devoted exclusively to children’s merchandise.

“It’s hard to find good outerwear for kids that is high quality, warm, dry and comfortable.” said Mike Verville, director of retail stores for LL Bean. “We have filled that void.” Some 60,000 people are expected to pass through the two-level store during its opening weekend.

The material used in Looking Back is produced exactly as it originally appeared, although spelling mistakes and errors may be corrected.

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BB to sign memorandum of understanding with banks to reduce loan defaults

Bangladesh Bank plans to sign a Memorandum of Understanding (MoU) with 10 commercial banks to take various measures on a pilot basis, including the periodic publication of their defaulter lists, with the aim of reducing their delinquent loans.

The central bank recently shared this plan with a visiting mission from the International Monetary Fund (IMF).

The IMF mission submitted a statement to senior government officials on Thursday, concluding its nine-day tour.

A finance ministry official said the IMF mission provided its preliminary findings in the statement and a detailed report would come later.

In the statement, the international lender mentioned four main reform priorities to boost medium-term growth prospects.

These include strengthening the corporate governance of banks, adopting risk-based supervision and strictly applying the current prudential framework and removing waivers and transition periods for required provisions.

He also spoke about reforming the legal system to support stricter enforcement of creditors’ rights and incentives for debtors to make repayments.

The IMF said the government has informed them that they will change banking laws by the end of this year.

According to the IMF statement, tackling the high amount of non-performing loans (NPLs), especially in state-owned commercial banks, remains a major challenge.

“Bangladesh Bank is planning to sign MoUs on a pilot basis with 10 commercial banks to devise a credible NPL reduction plan,” he said.

“In the meantime, BB (Bangladesh Bank) is expected to resume publishing data on ‘constrained advances’ as it was done up to 2018,” it read.

“Ensuring classification and provisioning requirements are in line with Basel standards and conducting an asset quality review of SOCBs (state-owned commercial banks) is an important first step,” he added.

Non-performing loans totaled Tk 113,441 crore in March, registering a 19.3% year-on-year increase.

A Bangladesh Bank official said another IMF technical mission would come later to help the central bank reduce delinquent loans.

In the IMF statement, it was mentioned that greater prudential oversight, including developing internal NPL management skills and setting operational targets to reduce NPLs, can help initiate active resolution of NPLs. in banks.

In the absence of reforms to stem the flow of NPLs, the authorities’ plan to create a public asset management company poses significant fiscal risks, he said.

According to the statement, the government plans to raise the prices of gasoline, octane, liquefied natural gas (LNG) and electricity in the coming months.

He observed that subsidies for energy, fertilizers and foodstuffs as well as support for vulnerable people and farmers have increased.

But a new prioritization of current and capital expenditure should contain the budget deficit for FY22, as budgeted at 5.1% of GDP, he said.

The IMF projected the budget deficit to reach 5.5 percent of GDP in FY23, partly due to rising subsidies and weak revenue.

In the absence of adequate revenue mobilization, financing the budget increasingly relies on costly domestic debt, which erodes fiscal space, he said in the statement.

The government has earmarked an allocation of Tk 82,745 crore to run its subsidy program for the financial year 2022-23.

A finance ministry official said the amount of the subsidy may need to be increased if fuel, fertilizer and LNG prices rise in the global market.

Out of the total allocation, subsidies worth Tk 18,000 crore have been earmarked for electricity, Tk 15,000 crore for fertilizers and Tk 6,000 crore for LNG.

The IMF mission said the Russian-Ukrainian war had interrupted the strong post-pandemic recovery and posed serious macroeconomic challenges to the country.

In line with global developments, rising commodity prices, supply disruptions and slowing external demand drove inflation to its highest level of 7.6 percent in June since 2014, it said. he declares.

The current account deficit widened to 3.5% of GDP between July and May and the taka has depreciated 9% since March, he said.

Additionally, foreign exchange reserves have shrunk to 5 months of potential imports from their 7-month peak at the end of FY21, he added.

Near-term growth is expected to be weighed down by a slowdown in Europe and the United States, which account for more than 80% of total export demand, the IMF predicted.

Inflation, driven by commodity prices, is expected to peak in the third quarter of FY22 and remain elevated, he said.

Persistent inflationary pressures, a faster tightening of financing conditions and larger than expected slowdowns in major advanced trading partners and China could further put pressure on reserves and the taka, he said.

The police deceived the suspect with false stories

Jeffrey Smith, a medical examiner with the New Mexico Department of Public Safety, points to the spot inside a laundry basket where he found a fingerprint. (Chancey Bush/Albuquerque Journal)

Copyright © 2022 Albuquerque Journal

No less than six detectives questioned Fabian Gonzales in the hours following the death of 10-year-old Victoria Martens and her dismembered and burned body in a bathtub on August 23, 2016.

Josh Brown, then the Albuquerque Police Department’s lead detective on the case, testified throughout Friday morning. It was his second day at the helm. Questioned by Gonzales’ attorney, Stephen Aarons, Brown confirmed portions of the interrogation transcripts read by the attorney. In these, Brown and the other detectives made up stories indicating that Gonzales’ cousin, Jessica Kelley, and Michelle Martens, Victoria’s mother, implicated him in the child’s murder and the attempt to dismember him. and get rid of his body.

Brown, now an APD internal affairs sergeant, said concocting stories is a standard interrogation technique used by investigators to try to get those involved in a crime to ‘turn on each other’ and reveal the truth.

Gonzales and Martens were arrested shortly after Victoria’s death and initially charged with rape and murder. Those charges were dropped in 2018 after authorities discovered Gonzales and Martens were not at the apartment at the time of Victoria’s death. At the time, prosecutors acknowledged that many of the initial allegations were based on false confessions by Martens.

Although Gonzales did not personally strangle Victoria, prosecutors now allege he created the danger that led to her death and tampered with evidence of her murder.

Gonzales’ attorney counters that Kelley, the prosecution’s “star witness,” was the real killer and that prosecutors gave him a generous plea deal.

Gonzales, 37, is on trial for child abuse, caused by recklessness, resulting in the death of a child under 12, and seven counts of tampering with evidence and conspiracy to tamper with evidence.

Excerpts from the interrogation transcripts were read Friday in Judge Cindy Leos’ 2nd Judicial District courtroom. These transcripts indicated that detectives used extremely graphic language and imagery to tell Gonzales that Kelley or Michelle Martens, or both, had turned on Gonzales. Detectives said the women confessed that they and Gonzales smoked methamphetamine with Victoria, that the child was raped, and that Michelle Martens saw her child being raped.

Despite these tactics, Aarons noted, Gonzales repeatedly told detectives that he had no role in Victoria’s death.

An autopsy report revealed the child had no drugs in his system and no evidence of semen.

A detective in another interrogation transcript told Gonzales that since this was a high-profile case involving the death and possible rape of a child, it would be difficult to hide from other prisoners in the prison. metropolitan detention center.

“How do you think it’s going to make your visit there when you go to DOC (Department of Corrections) after court and get convicted?” the detective asked Gonzales.

Aarons also asked Brown about the effectiveness of storytelling, noting that some suspects might be influenced to provide a statement that matches the story they were told, people like Michelle Martens, who Aarons said has suffered trauma after being informed of the fate. of his daughter.

Fabian Gonzales turns to his lawyers on Friday, the second week of his trial for his involvement in the death of 10-year-old Victoria Martens. (Chancey Bush/Albuquerque Journal)

Chief Assistant District Attorney James Grayson released part of a video in which Gonzales is shown repeatedly demonstrating how Kelley allegedly held a knife and plunged it into Victoria Martens’ torso. This video, Grayson noted, was made after Gonzales told investigators he hadn’t seen anything relating to the child’s death.

Most of the afternoon was taken up with testimony from Jeffrey Smith, a forensic scientist with the Department of Public Safety, who has the expertise in bringing out latent fingerprints on surfaces and interpreting specific characteristics. of these fingerprints.

Smith said he examined 86 items taken from the apartment. Among them were a set of kitchen knives and a block of wood, which yielded no usable fingerprints. Gonzales’ fingerprints were on a mop handle and on some DVDs, Smith said.

A fingerprint inside an orange laundry basket, Smith said, was from Kelley.

Lawyers previously noted that a white plastic bag containing Victoria Martens’ severed limbs was found in an orange laundry basket in the flat.

Testimony will resume on Monday.

Michelle Martens, 40, pleaded guilty in 2018 to reckless child abuse resulting in the death of a child under 12. She has not yet been sentenced.

Kelley, 37, did not contest six counts, including child abuse, caused by recklessness, resulting in the death of a child under the age of 12. She was sentenced to 44 years in prison, but may be released in half that time.

She and Martens are to testify in Gonzales’ trial as part of their plea deals.

Writer of letter who said Park Slope kids were too loud identified: report


PARK SLOPE, BROOKLYN — A freelance book publisher has apparently used some of his spare time to write a letter asking two Park Slope parents to shut up their children, the Daily Mail reported.

Sources told the outlet that Vincent Cusenza, 65, is the unnamed neighbor who wrote a letter to a neighboring family complaining that their toddlers are too loud and cheering them on too loudly.

Approached for comment by the outlet, Cusenza declined to say anything, but a man who lives with him said the letter “speaks for itself”.

“Please stop your daughters from screaming and shouting. Parents…please refrain from shouting and shouting for encouragement,” reads the letter, sent earlier this month.

“You have compromised my enjoyment and my work. Keeping intrusive sources of noise to a minimum is a way of showing mutual respect.”

The recipient of the letter, Christina Frankel, 36, whose children are three and one, told the Daily Mail she thought it was ‘ridiculous’ and ‘selfish’ to ask the young family to shut up while they were playing in their garden.

“Parenting gets rowdy,” she told the outlet. “Raising two rambunctious toddlers is the hardest thing I’ve ever done. I’d bet money that person doesn’t have kids because of the way she talked to me.”

Additionally, she and her husband both disputed the idea that their family is noisier than most – a claim made in the letter – saying nearby neighbors have never complained about the noise.

“It’s just kids being kids, the occasional behavior correction, but it’s not all-hours yelling,” the children’s father told the Daily Mail.

Instead of following the noise control methods recommended in the letter – like taking the kids indoors or taking a walk in a park – Frankel told the Daily Mail she had one recommendation for her writer: “invest in suitable headphones [or] find a place designated as a quiet place, such as a library. »

Going a step further, she added that someone who is annoyed by the sound of children “shouting with delight” might consider living in an area less densely populated with children than Park Slope.

Don’t let home loans put you out of business

Bankruptcy does not free you from all your debts, but will prevent you not only from traveling abroad, but also from obtaining future credit.

Buying a property is the biggest financial purchase and commitment the average rakyat will make in their lifetime. Therefore, the National House Buyers Association (HBA) cannot stress enough that careful thought and planning should be done before taking out a home loan to purchase a property.

According to the Bank Negara Malaysia Financial Stability Review Report for the second half of 2021 (BNM FSR 2H2021), the median property price in Malaysia is 4.7 times the median income in Malaysia, which can be classified as “severely unaffordable” according to international standards. (Source: https://www.bnm.gov.my/documents/20124/6459002/fsr21h2_en_book.pdf – page 27)

This means that housing prices are beyond the level of affordability of normal wage earners; and if they manage to get a loan to buy one, they will be saddled with a heavy financial burden, which can easily descend into financial ruin if they are unable to honor the loan at any time during the tenure of several decades.

HBA is not an accredited financial planner, but based on the many cases brought to our attention, we would like to offer some advice to aspiring first-time homebuyers.

Don’t take out other loans before buying your first home

It is very common among young people to buy a car first before a house because the former seems more accessible. However, if owning a home is one of your primary goals, the most important piece of advice we can give you is this: don’t take out a car or personal loan until you’ve purchased your first home.

Based on the BNM FSR 2H2021, 65% of borrowers already have either a car loan or a personal loan, thus limiting their ability to take out new loans for housing.

Generally, Malaysian banks consider that:

  • single loan payments must not exceed one-third (or 33.3%) of gross income, and
  • combined loan payments must not exceed half (or 50%) of gross income.

This means that if you earn RM3,500 per month, the maximum loan payment banks will give you is RM1,167 for a single loan and RM1,750 for combined loans.

Let’s say you are looking to buy a property worth RM290,000, which will be financed with a 30-year mortgage of RM261,000 (90% finance margin) at an effective interest rate of 3.25% per year The monthly installment for the housing loan will be RM1,136.

If you have a car loan for which you pay a monthly installment of RM800, will your car loan affect your mortgage eligibility?

Without auto credit (RM)

With car credit (RM)

Monthly income



Maturity of car loan


Housing loan installment



Total monthly loan payments



First loan payment/monthly income



Combined monthly income/loan tranche



Maximum tranche of home loan eligible for

Not applicable


Based on the example above, if you have no existing loan obligations, you will qualify for the above housing loan, which has a monthly loan installment of RM1,136, as it is only 32.5% of your monthly income and is below the general rule of 33.3%.

However, if you have an existing car loan with a monthly installment of RM800, you will not qualify for said home loan because the combined car loan and home loan installments are 55.3%, which is higher than the rule of thumb of 50%. The maximum payout you will be entitled to is only RM950, which will limit your choice of properties to buy.

Able to maintain a minimum standard of living after loan repayment

The second tip is to make a proper budget on what you can actually afford before buying your first home. You need a large budget to see if you can afford the monthly loan payments and maintain your current lifestyle.

You need to consider potential dependents such as children or aging parents, and whether you can still afford the loan installments after that. There’s no point in having to skip meals or go childless just to afford a home.

You should also factor additional costs such as maintenance fees and sinking fund contribution for stratified properties, insurance, exit rent and appraisal fees into your monthly budgets.

Also, ideally, after taking into account all the above expenses and loan installments, you should have at least 10% of your gross income in savings to deal with sudden emergencies, a habit that most Malaysians do not. don’t have.

According to a study by Perbadanan Insurans Deposit Malaysia (PIDM), the majority of respondents (55%) have less than RM10,000 in savings available to draw on in an emergency. (Source: https://www.pidm.gov.my/en/info-centre/reports-and-insights/savings-report#:~:text=Many%20Malaysians%20lack%20the%20ability,called%20to%20withstand%20financial %20shocks)

Don’t feel pressured to buy until you’re financially ready

The next tip is to not force yourself to buy a property. It’s going to be your biggest purchase of your life and you don’t want to be pressured, coerced or forced into buying your first home just because all your friends or relatives have already done so. If you’re not ready to buy your first home, just continue renting or staying with your parents/parents.

For those who rent, make sure your rental rates are lower than the equivalent cost of a home loan to buy the same property. If not, you better buy said property, right? Your current rental should still be a steep discount compared to owning the same property so that you can use the savings as funds to acquire your dream home in the future.

The old can be gold

One of the biggest mistakes first-time home buyers make is only looking at new properties. The problem with this is that prices for new developments tend to keep rising, leading aspiring home buyers to spend too much or buy something too far away or too small.

Therefore, we advise home buyers to consider completed properties as old can be gold. The advantage of buying existing properties or secondary properties is “what you see is what you get”. You can see the actual property and the surrounding neighborhood and decide if you like it. By contrast, buying brand-new properties means relying solely on developers’ “artistic impressions”, which, once completed, sometimes aren’t even close.

Plus, existing properties are usually already renovated, so if you like it, you don’t have to do anything but move in straight away. On the other hand, new properties require a lot of expense to get up and running before they are ready to move in.

However, secondary properties require the buyer to exercise due diligence, such as properly inspecting the condition of the property and ensuring that you are dealing with the actual owner.

In conclusion, buying a property is not a simple process. It will be your most expensive purchase and you will be tied to a long-term home loan. There are serious legal and financial consequences if you cannot meet your loan obligations, including being declared bankrupt.

Aspiring first-time home buyers should understand all of their financial and legal obligations before making a purchase. Be sure to look before you jump into signing on the dotted line for your dream property.

Avoid the stigma of being declared bankrupt. Bankruptcy does not free you from all your debts, but will prevent you not only from traveling abroad, but also from obtaining future credits.

This article is co-authored by attorney Sharifah binti Razali and Datuk Chang Kim Loong, Hon. Sec-Gen of the National House Buyers Association (HBA), an all-volunteer non-governmental, non-political, non-profit organization. The link: www.hba.org.my

Letter: Correction to a previous letter | Letters to the Editor


You state in a recent interview that your allegiance goes to the West Virginians. I disagree and urge you to reconsider your reason for voting against the climate action proposals of your fellow Senate Democrats.

Your allegiance is not to West Virginia! The majority of Americans surveyed repeatedly support climate change legislation. You have received more campaign contributions from the fossil fuel industry than any other senator, according to NY Times reports. Your family benefits greatly from their dirty coal interests. It seems that your personal profit from fossil fuels outweighs the representation of your constituents.

You seem to relish your position as pivotal power, the deciding vote for many Senate bills. During this time your

the absence of a decisive critical vote is costing the United States its role as world leader and its credibility with immediate action

People also read…

to reduce the worst effects of the climate crisis.

Your singular focus on the issue of inflation pales in comparison. Decisions based on power and self-interest will have dire repercussions on our planet, which includes you and your loved ones as well.

Disclaimer: As submitted to the Arizona Daily Star.

Thursday’s Daily Trading Guide: 8 Stocks to Buy or Sell Today – July 21


Today’s trading guide for Thursday: Due to strong buying in IT, FMCG, metals, multinationals, energy and banking stocks, the Indian stock market ended in positive territory for the fourth consecutive session on Wednesday. NSE Nifty closed 180 points north at 16,520 while BSE Sensex jumped 630 points and finished at 55,398 levels. The Nifty Bank Index ended up 252 points and closed at 35,972 levels. Broad equity indices underperformed, with mid and small cap indices up less than 0.5%. The India VIX volatility index lost 2.20% and ended at 16.82 on Wednesday.

According to stock market experts, a small negative candle body has formed on the daily chart with an upward opening signaling the market’s reluctance to capture new highs after the strong positive open. This market action could potentially lead to further consolidation/minor short-term downside correction before continuing higher.

The positive streak as higher highs and lows continued on the daily chart and the current chart pattern signals a likelihood of further formation of higher highs at 16,588 levels. There is still no confirmation of a higher upper reversal at this time. Nifty is currently placed at the edge of the 200-day EMA hurdle around 16,520 levels.

Daily trading guide for the stock market today

“Nifty’s short-term trend continues to be positive. Although Nifty’s fatigue at the tops/hurdles is visible, but there is still no solid evidence of a reversal pattern taking place at the tops. A Sustained move above the 16,550-16,600 levels could pull Nifty towards another 16,800-level hurdle in the short-term Any declines from here could find support around 16,300-16,250 levels in the short-term” , said Nagaraj Shetti, technical research analyst at HDFC Securities.

At important levels when it comes to the Nifty Bank Index, Chinamy Barve, Head of Technical and Derivative Research at Profitmart Securities, said: “The important levels, which will serve as crucial support for the Bank Nifty Index, are placed in the 35,450 and 35,500 price area while on the upside; key resistance levels are placed at 36,400 and 36,650 levels.”

Day trading stocks

Sharing the intraday stocks for today, equity analysts – Mehul Kothari, AVP – Technical Research at Anand Rathi; Mudit Goel, senior research analyst at SMC Global Securities; Avinash Gorakshkar, Head of Research at Profitmart Securities and Santosh Meena, Head of Research at Swastika Investmart — recommended 8 stocks to buy or sell today.

Mehul Kothari Intraday Stocks for Today

1]TCS: Shop Around 3165 target 3250, stop-loss 3100

2]Hikal: Shop around 257 target 270, stop loss 250

Mudit Goel day trading stocks to buy

3]Firstsource Solutions Ltd or FSL: buy from CMP, objective 114, stop loss 108

4]Dixon Technologies: Buy from CMP, objective 3980 stop loss 3870

Avinash Gorakshkar’s stock picks for Thursday

5]Cipla: Buy from CMP, objective 1025, stop loss 960

6]National Aluminum Company: Buy from CMP, objective 83, stop loss 72.50

Santosh Meena Day Trading Stocks

7]MCX: Buy roughly 1406 target 1436 stop loss 1383

8]Asian paintings: sell around you 3006 target 2925 stop loss 3045.

Disclaimer: The opinions and recommendations made above are those of individual analysts or brokerage firms, and not of Mint.

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Saline County assessor says county commission is doing taxpayers a disservice.

According to a letter on behalf of Jessica Goodman, the county commission has cut its budget in half. According to state law, his office is supposed to receive 1% of ad valorem property tax revenue to be deposited in the county assessment fund. Although Goodman brought the law to the committee’s attention in February, the assessor’s budget is still half of what state law requires.

According to state law, Goodman also says his office should have nine employees and currently has only five full-time employees and one part-time employee.

Additionally, Goodman says she allowed her employees to have a paid day off on June 10, 2022. But after Goodman approved the leave, the board ordered the human resources director to change her employees’ time. cutting paid leave and forcing appraiser office employees to use a sick or vacation day, and cut the full pay of two of its employees.

Through her attorney, Goodman says she is not seeking litigation and hopes these issues can be resolved out of court, but no action has been taken since February. The attorney asked Goodman to request a correction to his employees’ next check and to the time accrued for their pay period to accurately reflect their paid day off.


Letter to Saline County Commission

It’s not just home buyers in China, now property providers are boycotting loans

BEIJING (BLOOMBERG) – Some suppliers to Chinese property developers are refusing to repay bank loans due to unpaid bills owed to them, a sign that the loan boycott that started with homebuyers is beginning to spread.

Hundreds of property entrepreneurs have complained that they can no longer pay their own bills because developers, including China Evergrande Group, still owe them money, Caixin reported, citing a statement received from a supplier on Tuesday. July 19.

A group of small businesses and suppliers circulated a letter online saying they would stop paying their debts after Evergrande’s cash crunch left them out of pocket.

“We have decided to stop paying all loans and arrears and to advise our peers to refuse any request for payment on credit or commercial invoice,” the group said in the letter dated July 15, which was sent to the developer office in Hubei. “Evergrande should be held accountable for any consequences that ensue due to the chain reaction of the supply chain crisis.”

Evergrande did not immediately respond to a request for comment. Calls to the media office of the housing authority in Wuhan, the capital of Hubei province, went unanswered Wednesday morning.

The protest over payments is the latest sign of how a movement by homebuyers to boycott mortgages on unfinished homes in China is spreading to affect other sectors of the economy.

The development underscores a dilemma for Xi Jinping’s government as it grapples with who to bail out as the country’s housing crisis deepens: Relief for some borrowers could lead to threats of non-payment by a whole host of others . While complying with requests for support could put a strain on state finances, ignoring them could lead to a spiral of defaults as more and more borrowers refuse to meet their obligations.

The mortgage strike, which began in late June at a stalled Evergrande development in Jingdezhen, quickly spread to at least 301 projects in about 91 cities. The protests have exacerbated the country’s housing problems and threaten to derail attempts to revive the market amid an economic downturn.

Authorities have urged banks to increase loans to builders to help complete projects, and are also considering giving homeowners a grace period on payments, Bloomberg reported this week.

Buyers’ refusal to pay mortgages stems from the widespread practice in China of selling apartments before they are built. Over the past year, debt-ridden Chinese developers have been in crisis mode over debt repayments as funds have dried up and construction has stalled on more and more projects.

Chinese banks say the risks of non-payment of housing loans are controllable. So far, they have only disclosed 2.1 billion yuan (S$433 million) of risky credit. Still, GF Securities expects up to 2 trillion yuan worth of mortgages to be affected by the boycott.

Overall, China’s banks are sitting on 38 trillion yuan in outstanding residential mortgages and 13 trillion yuan in loans to the country’s beleaguered developers.

Letter: “With Good Will” – Laguna Beach Local News


“With goodwill, smooth progress is still possible.” That’s the sentiment Ann Christoph expresses to end her column in last week’s Indy in which she recounts how the city was initially blamed for the devastating 1993 fire and later reports established that the supply air support was the critical factor in the rapid spread of the fire.

The Los Angeles Times reported on December 4, 1993 “Two helicopters that OC fire officials say could have prevented the Laguna Beach Fire disaster have been grounded for years because county officials at short of money have chosen not to spend the [funds] to refurbish them…” In a February 25, 1994 Times report on the comprehensive autopsy of OC fire officials which is titled “Copters Urged for Battling OC Wildfires”.

It worries me that The Indy cheats its editor’s scoops but never publishes an editorial. I guess it’s a concession to retail survival. Worse, it allows its lineup of columnists to regularly lie in the pages of the newspaper. Yes, he made a small correction last week to a very serious, in fact defamatory, lie, but that was an exception.

I’ve pointed this out to the editor in the past and been told, “Indy is a marketplace of ideas.” This is a fundamental misunderstanding of the difference between facts and interpretation. Please see above.

In the spirit and tone of Ann Christoph’s column, allow me to suggest that The Indy practice more scrutiny of its columnists’ claims before they go to press. Having an opinion column is not a license to dither in the name of the First Amendment. It is a failure of journalism, one of the pillars of democracy.

Most importantly, Laguna Beach is a wonderful place and we are all blessed to live here, to be neighbors to each other, and to enjoy its beauty. Let us resolve to move forward harmoniously in an atmosphere of factual accuracy. Thanks a lot.

Kiku Terasaki, Laguna Beach

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The only thing you should check before opening an application file

Image for article titled The One Thing You Should Check Before Opening an Application File

Photo: Tero Vesalainen (Shutterstock)

It’s easy to assume that the files we download and install on our computers are exactly what they claim to be. After all, an app with a high-quality icon and a correct name seems legitimate: why would not it would be? Malware – and malware developers – thrive on these assumptions, since the goal is for you to open these malicious programs without asking questions. Luckily, there’s an easy way to find out the type of an app, program, or file on your Mac or PC. It’s just not enabled by default.

There is a setting built into macOS and Windows that will reveal the file extension for any file on your computer next to its name. Instead of Final Cut Pro, you see Final Cut Pro.app: Instead of Elden Ring, you see Elden Ring.exe. This appears for every file on your computer, which may not be suitable for some users. Not revealing file types is a cosmetic choice, and I get it: it’s much cleaner to show all your apps and files on your PC without those three- or four-letter extensions at the end. I’ll talk about a way to display the true extension of a file at will for those who prefer to keep things clean.

However, keeping file extensions enabled all the time can be life-cost-saving effort (computingly speaking). Malware on Windows is often written as an executable file, a basic file type that tells the computer to perform a task or series of tasks. This file extension appears as .exe, but you wouldn’t know it if you didn’t have a file-visualization of extensions activated. Malware developers know this and write their malware accordingly. A malicious file may appear on your computer as thedarkknight.mov, but reveal its full name and you will find that it is actually called thedarkknight.mov.exe. Not so innocent.

This does not mean everything .exe file types are malicious. Far from it: .exe is a common and legitimate file type used all the time in Windows. You may have noticed in my example a few paragraphs above that a game like Elden Ring will appear as an .exe file, and that’s normal. The goal isn’t to be afraid of every .exe you find: it’s more about being able to identify when a file that should not being an .exe appears as a . Remember: If a file or application you’ve downloaded from the Internet or as an attachment to a message seems sketchy, exercise caution and avoid opening it.

This setting can also be useful in other ways: sometimes it’s important to know what specific file type you’re working with, especially when it comes to compatibility. There are many different image file types, for example, and you won’t be able to tell which one you have in front of you just by knowing you have a photo. This image can be in .jpeg, .pdf or .heif format: you will know instantly if your computer tells you so.

How to View File Extensions in Windows

Fortunately, it’s not difficult to enable the setting to show file extensions in Windows 10 and 11. For Windows 10, open File Explorer, choose “View”, then click the tab next to “File name extensions”. For Windows 11, open File Explorer, choose “View”, then “Show”, then choose “File name extensions” from the list.

You don’t have to show file extensions for all files on your computer to stay safe, however, IIf you prefer to keep things clean and inspect files on a case-by-case basis, here’s how to do it: right-click on the file, choose “Properties”, then check its extension next to “Type”.

How to View File Extensions on Mac

Although you won’t come across .exe files on the Mac (at least none you can run, anyway), it can still be useful to show file extensions. After all, the same philosophies apply: you don’t want to open an application or file with a drastically different extension than you expect, and it can be useful to know exactly what kind of file you’re working with right now. moment.

To view file extensions in macOS, open Finder, then tap Command + , to open Preferences (you can also choose Finder from the menu bar, then choose “Preferences”). In the Preferences window, choose the Advanced tab, then check the box next to “Show all filename extensions”.

If you prefer to inspect a file’s extension rather than view all file extensions by default, you can right-click the file and choose “Get Info”. The actual file extension will be listed next to “Kind”.

Exactech Launches Significant Update to Equinoxe® Preoperative Shoulder Planning App | national company



Exactech, a developer and producer of innovative implants, instruments and smart technology for joint replacement surgery, today announces the U.S. release of the Equinoxe® Shoulder Planning v2.1 app, providing surgeons with increased flexibility to plan placement of shoulder components and select implants and sizes for the scapula and humerus based on specific patient anatomy.

This press release is multimedia. See the full version here: https://www.businesswire.com/news/home/20220718005241/en/

Exactech launches a major update to the Equinoxe® shoulder preoperative planning app (Photo: Business Wire)

The preoperative shoulder planning software can be used with the Exactech GPS® in the operating room, linking the preoperative plan to the placement of implants. Recent studies demonstrate that GPS provides verified placement accuracy within 2 mm and 2 degrees of the preoperative plane 1,2, better fixation 1-4 and better clinical outcomes compared to non-navigation groups, including better range of motion and a reduction in postoperative complications, revision rates and adverse events. 5

The latest features of the Equinoxe Planning app version:

  • Humeral planning, with a range of Equinoxe humeral rod components and sizes, including the Shoulder without foot and Preserve short rod
  • Views for anterior/posterior, medial/lateral and rod tilt positions
  • Humeral Head Offset and Position Adjustment in Anatomical Procedures
  • Planning the Humeral Tray and Liner for Reverse Procedures
  • Refinement of the patient’s neutral abduction position
  • Views of the whole joint and use of combined movements to assess shoulder range of motion and impact at specific locations
  • A redesigned and improved user interface
  • Easy access to Predict+™, the first machine learning-based clinical decision support tool for shoulder surgery

“Enhancements to the Equinoxe planning app allow me to truly personalize each reconstruction in a patient-specific way,” said Moby Parsons, MD, joint replacement surgeon at the Knee, Hip, and Spine Center. shoulder (Portsmouth, NH) and Equinoxe/GPS design team member. “The addition of humeral planning provides a complete suite of planning solutions that incorporates the full range of implants offered by Equinoxe. The ability to assess range of motion and impact based on implant configuration complements my ability to determine the optimal plan that can positively impact each patient’s outcome. Combined with the actionable insights provided by Predict+, which has also been added to the planning application, I can now manage Active Intelligence ® driven solutions for my patients. »

“Since the launch of the original Equinoxe planning app, surgeons have planned over 50,000 shoulder cases and executed their plans in over 30,000 cases using GPS,” said Chris Roche, Vice Exactech Senior President for Ends. “The planning app, combined with GPS, makes the system the first and only shoulder navigation technology that links the preoperative plan with intraoperative instrument guidance in real time – and verifies implant placement. The new features added to the planning app underscore Exactech’s dedication to creating new solutions that improve our surgeons’ surgical experiences.

International market approval of the planning application v2.1 is expected in the fourth quarter. Download the Equinoxe Planning app from www.AISurgeon.com and explore all of Exactech’s active intelligence technologies at www.AIExactech.com.

1 Greene A et al. Navigated vs. unnavigated outcomes of a computed tomography-based computer-assisted shoulder arthroplasty system in 30 cadavers. Presented at ISTA 2018.*

2 Nashikkar P et al. Role of intraoperative navigation in glenoid component fixation in reverse total shoulder arthroplasty: a clinical case-control study. J Shoulder elbow surgery. 2019 Sep;28(9):1685-1691.

3 Nashikkar P et al. Computer navigation recreates planned glenoid placement and reduces correction variability in total shoulder arthroplasty: a live case-control study. J Shoulder elbow surgery. 2019 Dec;28(12):e398-e409.

4 Roche C et al. Impact of screw length and quantity on rTSA glenoid fixation for two different sizes of glenoid bases. JSES Open Access (JSESOA-D-19-00048R1).*

5 Greene A et al. Two-year clinical results of total shoulder arthroplasty performed with a computer-assisted surgery system. Presented at CAOS 2022.

* In vitro (laboratory) test results are not necessarily indicative of clinical performance.

The Equinoxe Planning app is used exclusively with the Equinoxe Platform shoulder system and its comprehensive glenoid and humerus solutions. ExactechGPS and the Equinoxe planning application are manufactured by Blue Ortho, a subsidiary of Exactech, and distributed by Exactech.

About Exactech

Exactech is a global medical device company that develops and markets orthopedic implants, related surgical instruments and the Active Intelligence ® platform of intelligent technologies for hospitals and physicians. Based in Gainesville, Florida, Exactech markets its products in the United States, in addition to more than 30 markets in Europe, Latin America, Asia and the Pacific. Visit www.exac.com for more information and join us on LinkedIn, Vumedi, Youtube, instagram and Twitter.

Show source version on businesswire.com:https://www.businesswire.com/news/home/20220718005241/en/

CONTACT: Nancy Walsh, April

(352) 377-1140

[email protected]



SOURCE: Exactech

Copyright BusinessWire 2022.

PUBLISHED: 07/18/2022 09:00 / DISK: 07/18/2022 09:02


Copyright BusinessWire 2022.

Rishi Sunak accused of peddling a ‘fairy tale’ about his Covid loan scheme by former minister Lord Agnew

Rishi Sunak was today accused of peddling a ‘fairy tale’ about the effectiveness of his Covid loan schemes as he faced fresh anger for allowing billions of pounds to be lost to fraud.

Lord Agnew, who quit as Treasury minister in January, today tore up Mr Sunak’s record as Chancellor accusing Mr Sunak of wasting taxpayers’ money.

The Tory peer lamented that an estimated £5billion loss to fraud – through the rebound loan scheme for small and medium-sized businesses – could have been spent on helping the poorest during the cost of housing crisis. life.

He also claimed the public had been left ‘completely in the dark’ about the extent of taxpayers’ money lost to Covid schemes.

Lord Agnew has accused Mr Sunak of ‘blocking’ the release of Covid loan performance data during his time as Treasury chief.

The ex-Chancellor is the favorite among five remaining candidates in the contest to replace Mr Johnson as Conservative leader and Prime Minister.

But Mr Sunak’s leadership campaign is under fierce attack as rivals scrutinize his record since he was in charge of the country’s finances.

Tory candidate Kemi Badenoch last night used an ITV debate to accuse Mr Sunak of not taking warnings about fraud seriously enough when he implemented Covid loan schemes as chancellor.

She grabbed a recent estimate that a total of £17billion will be lost to various Covid loan schemes.

Rishi Sunak’s Tory leadership campaign comes under fierce attack as rivals scrutinize his case as chancellor

Lord Agnew, who resigned as Treasury minister in January, accused Mr Sunak of wasting taxpayers' money

Lord Agnew, who resigned as Treasury minister in January, accused Mr Sunak of wasting taxpayers’ money

Last night Tory candidate Kemi Badenoch (pictured centre) used an ITV debate to accuse Mr Sunak of not taking fraud warnings seriously enough

Last night Tory candidate Kemi Badenoch (pictured centre) used an ITV debate to accuse Mr Sunak of not taking fraud warnings seriously enough

Mr Sunak told the televised debate between Tory leadership rivals he was ‘proud of my record’ and insisted that ‘new estimates of what fraud will be on the bounce back loan scheme have been reduced by a third.

He also claimed that “the payment performance of this loan portfolio has in fact far exceeded anyone’s expectations.”

But Lord Agnew, who served under Mr Sunak in the Treasury between February 2020 and January this year, today said he was ‘astonished’ by the former Chancellor’s response.

“I was amazed because these estimates that he refers to – to me – are a fairy tale,” he told Times Radio.

“But I don’t have the data because he blocked the release of the data.”

“So what I was pushing for then and since was a performance scorecard of the banks that are handling these loans.”

“Because then, at a glance, you and everyone else would see what’s really going on.” But we don’t, we don’t have any view of what’s going on.

Lord Agnew resigned as Treasury minister earlier this year and attacked the government for its handling of fraudulent Covid business loans.

“The reason I resigned six months ago was that the Treasury was very, very cowardly about how this thing was arranged,” he said.

“But, worse than that – because that’s in the past, we’re now getting to the point where the banks are asking the Treasury for losses.

“The Treasury does not disclose how it manages this process. So you have a £47bn scheme with a complete lack of transparency.

Continuing his attack on Mr Sunak, he added: ‘Until he releases the data, which he blocked when he was there (at Treasury), we just don’t know.’

“And if everything is so wonderful, why can’t we see it? It’s really that simple – that’s why I’m so frustrated.

“It’s the kind of thing that undermines faith in politics, it’s just words not deeds. I judge people by what they actually do, not what they say.

Lord Agnew backs Ms Badenoch for the Tory leadership and has claimed Mr Sunak’s handling of Covid projects makes him unfit to be Britain’s next Prime Minister.

He said: “While he presents himself as the guardian of the nation’s finances, he has not been an effective guardian in that particular area.”

“That’s really what matters.”

He highlighted how much money lost to Covid fraud could have been spent helping poorer households during the cost of living crisis.

“What’s so frustrating is that there are billions of pounds at stake here that could be diverted to help with the cost of living crisis,” the pair added.

‘While I’m right that there’s £5billion worth of fraud that could be stopped – if a little more energy was put into it – it would reduce the Universal Credit cut rate by a further 10 per cent.

“This would reduce the cost of the Universal Credit cut rate from 53% to 43%.

“Just using that money to do something to help people who are really struggling would make a difference.

“Meanwhile, the Treasury has just spent months blocking any effort to move forward even after I’m gone.”

Weekly Technical and Trade Outlook – USD/CHF


USD/CHF Weekly Technical Outlook

Last updated at Jul 18, 2022 01:15 GMT.

Daily trend chart

Next to.

Daily indicators






Trend hourly chart

Short term down.

Time indicators

Get o/sold.



IMD 2 p.m.


Daily analysis

Consolidation with a bullish bias.


0.9941 – New York’s high from last Friday.
0.9890 – 123% project. from 0.9683-0.9798 fm 0.9748.
0.9886 – High from last Thursday.


0.9823 – NY low from last Thursday.
0.9795 – Hourly chart.
0.9758 – Last Wednesday’s low.

USD/CHF – 0.9821 .. Despite pulling back to 0.9758 on the chf cross buys, the pair found further buying and rallied to a near month high at 0.9886 on the broad-based usd strength b4 retreating to 0.9760 on Friday on USD profit taking.

All in all, the impressive rise in dlr fm January’s near 6-year low of 0.8758 to 0.9472 on April 1 due to the rally in US yields suggests an erratic fall fm 1 .0344 (peak 2016) to retrace the upside LT fm 2015 record low 0.7360 ended n despite subsequent year-long monthly sideways swings dlr rally around 0.9472 in April to reach a nearly 3-year high of 1.0064 (May) indicates that the price would head towards 1.0128. Despite a subsequent drop to 0.9546 in May and then back to 1.0052 in mid-June, dlr’s selloff after the SNB’s hawkish rate hike and weakness to June lows at 0.9496 suggest that further jerky swings below 1.0064 would continue. Thur’s rally to 0.9886 could head towards 0.9930/35, breakout, 0.9989 later this month.

Today, dlr’s rebound of the recent rise from the June 2-month low of 0.9496 to 0.9886 in New York on Friday suggests that the correction from May’s nearly 3-year high at 1.0064 may have To be ended, a subsequent pullback to 0.9760 suggests range trading is in store b4 another rise but 0.9940/45 shud hold. Below 0.9800, risks are 0.9788.

2 months of running with the NFT Fitness Stepn app


In April, all the Crypto Twitter degenerates were bragging about how much money they were making just by going for a run and following him on Stepn. The app rewards you with its GST (Green Satoshi) token for walking, jogging or running outdoors. Some Web3 users were racking up over $20 in GST per run.

But that was in April, when the GST was close to $9.

On May 10 when I started using the app (late to the party) the GST was down to $3.50. I earned 0.65 GST for my first 2.5 mile run, or $2.27. Still, hey: free money (well, “money”) for an activity I was already planning on doing. Pretty cool.

Then, the GST continued to fall amid the broader crypto crash. On my third ride on Stepn, May 1, the GST was 97 cents. Today it’s 8 cents. (Could this thing go zero? Absolutely.)

To date, through eight courses on Stepn of 1.6 to 3.6 miles each, I’ve earned 31 GSTs in total, currently worth $2.17.

And I didn’t even mention the catch. To start using Stepn, you need to buy an NFT sneaker, parked on Solana and priced in SOL. When I bought mine around the end of April, SOL was flying high, almost $100, so I shudder to share what I spent on my sneaker: over $400. Market research!

People who were ahead of Stepn talked about how quickly they expected to recoup the money they spent on their NFT sneaker and start making a profit. At current crypto prices, I will get back what I spent in 363 months, or about 30 years. The app also continually tries to get you to spend more money by “fixing” your sneaker or “leveling up” by buying another one.

If tokenomics isn’t enough (it certainly incentivizes Ponzi charges), the UX is far below leading Web2 fitness apps such as Nike Running Club and Strava. (When I run now I use all three apps.) Stepn currently has no social features – but CMO Shiti Maghani told us on the gm podcast in June that these were coming – and will only show distances in kilometers. Like Axie Infinity, the progenitor of the promising but problematic “play-to-earn” model, these products ask users to buy before they can even determine if they like the game.

That said, I think Stepn, which amassed 3 million users in just six months, is a very interesting proof of concept for utility NFTs.

As I have written in previous columns, I believe that NFTs are here to stay and will evolve well beyond the wealth flex of PFPs like Bored Apes. I guess we haven’t seen the most interesting use cases for the technology yet, whether it’s for ticketing (as Mark Cuban thinks), games, the metaverse, or something else.

I like the idea of ​​an NFT as a club entry pass. At NFT NYC last month, several games were only allowed to people who had a certain NFT, and they used apps like Tokenproof to verify. I think Stepn’s mistake was pricing his NFT sneakers way too high; the trend is now shifting to more affordable NFTs.

I also believe that the community element is essential. Despite Stepn’s design flaws, I feel there are people using it primarily because they want to support these types of projects. I’m in two different Stepn Telegram groups, and they buzz all day, every day.

So I see the meaning of Stepn as symbolic. We’re in the very early innings of the token economy, and first-mover attempts like Axie Infinity and Stepn should be commended for trying to figure this stuff out, even if someone else is likely to come next. and do it better.

This is why Axie and Stepn are making significant changes to their products (Axie has created free starter NFTs for new players, Stepn will redeem and burn its GMT governance token, and add Ethereum support) to accommodate the next wave of crypto -curious.

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Understanding and Preventing Scope Bite


In early 1776 in Philadelphia, PA, the American portrait painter and patriot, Charles Wilson Peale visited David Rittenhouse, the American astronomer and head of an observatory. Peale was also known for making telescopes, clocks, and surveying instruments. A gunsmith had helped Peale assemble a gun with a telescopic sight that Rittenhouse had made on Peale’s behalf. Peale kept a daily journal in which he recounted the events of his days, and there were several entries relating to the development of his special firearms project. A few weeks later, after he took possession of the gun and tried to reset it, his diary read: “Mfixing piece with springs to prevent the eye from being injured by the kick of the gun.” One of the first men in history to shoot with a rifle scope soon suffered from scope bite.

Scope bite is a pernicious and sometimes painful (not to say embarrassing) phenomenon that can happen to shooters using a shoulder stock firearm. Scope bite can be caused by improperly mounted optics, poor cheek welding, improper eye relief, or a combination of some or all of these factors. The rearward recoil motion of a firearm and the hard outer edge of a riflescope can cause injury, scarring, and discomfort by violently coming into contact with the shooter’s eye socket or orbital/lower frontal area due to the mispositioning of his face and head relative to his optics.

Scope Bite starts with your rifle and optics

In order to avoid scope bite, a shooter must have some spatial awareness and a type of harmony with their firearm. This is achieved by an understanding of the relationship between the rifle and its scope and their bodies, particularly from the position where the rifle is to be fired. A good shooter will understand where his shoulder and face are in relation to the rear ocular lens of the optic so that whenever the stock is brought up to his shoulder and he brings his scope up to eye level, the eye will see a clear vision picture with a scope that will never “cut” them, no matter how strong the firearm’s recoil. Practicing this involves positional dry-firing and rehearsal so that every aspect of the firing position is isolated and refined, which is why sniper or competition rifles come with hyper-adjustable stocks. After practicing positional dry-firing with his firearm, shooters will have an idea of ​​where everything is supposed to belong and what will feel good.

Outside of specialized long eye relief scopes or handguns, most rifle scopes require about 3 to 4 inches of space between the shooter’s eye and the scope’s ocular lens for proper eye relief and a sharp sight picture. An eye too far or too close to the ocular lens will perceive dark shadowed crescents at the periphery of the sight picture, or even a dark, hazy ring around the sight picture. This phenomenon is known as drop shadow. Shooters can easily and positively determine if their eye relief is correct: their sight picture will always be clear. The eye relief is either decent, meaning the sight picture is perfectly clear, or it’s not. It’s as simple as that.

This graphic (courtesy of LuckyGunner.com) illustrates what good eye relief looks like in addition to visual clues that the eye relief is not correct.

Regardless of a gun’s design or style, there is only a limited amount of real estate available above its receiver where installing a mount or rings makes sense. A scope that sits too far back or too close to far in front can not only interfere with its own operation, such as the need to dial turrets or turn the focus/parallax adjustment and can also interfere with the operation of the firearm itself. Improper mounting can also result in the scope itself clashing with external surfaces or firearm-mounted accessories, such as a lens bell colliding with a rear sight assembly. And finally, if an optic is not mounted on that particular “sweet spot” that avoids interfering in the manner described above, the shooter may not get his proper eye relief no matter how hard he tries to to correct. On the other hand, an improperly mounted scope might have acceptable eye relief but have a risk of the shooter still getting bitten. This is why the way a shooter mounts the butt of a firearm on their shoulder and aligns the scope with their eye is so crucial.

Knowing how to configure a stock is essential

The U.S. Army Marksmanship Manual for Rifles and Carbines (TC 3-22.9) states that there are two truths in marksmanship: To properly engage a target, a rifle must have the correct alignment and sight picture, and that the rifle should be fired without disturbing its aim. A shooter who properly mounts their stock to their face and shoulder (essentially having a solid cheek weld) will thus be able to get a clear sight picture. A good cheek weld comes from two things, A) the butt of a firearm fits the shooter properly so that B) the shooter can put their face in the correct place on the butt for a good sight picture.

An ill-fitting stock will impair good marksmanship in several ways:

  • An ill-fitting stock can put a shooter out of order by making it difficult to align the sight with the scope or sights.
  • It could also unintentionally set up the shooter to be “bitten” by its scope.
  • This can amplify the perception of recoil in the shooter’s shoulder pocket and/or face along the comb of the butt, making the shot more painful than necessary, which can also develop a thrill of anticipation and lead to a loss of precision.

The same way a shooter should be able to visually identify what good eye relief looks like. A shooter must understand the concept of Length of Draw (LOP) and how it applies to him personally. Pull length is the distance (usually measured in inches) from the trigger to the rearmost vertical edge of a stock. The concept behind LOP is actually one of the most universal details of a good shot, regardless of shooting discipline. You can’t and won’t shoot well if their stock is too long and doesn’t fit well. Being aware of this concept is crucial to avoiding range sting. The stock edit is the keystone to all the other details that result in a good, consistent edit.

A good mount and cheek weld is one that will allow the shooter’s face to have a clear sight image while maintaining a safe distance from the rear end of a recoil scope. This won’t happen without a well-adjusted stock and a decent LOP. Different shooting positions or shooting at more extreme angles may require LOP setting adjustments, even when the same shooter is behind the trigger. These adjustments can be as simple as subtly moving the gun mount or taking advantage of an adjustable stock if the firearm has one. Shooting at extreme angles (like shooting uphill) can also leave a shooter susceptible to scope bite, especially if they haven’t set up a very secure and solid mount. Again, the value of positional dry-firing comes into play in order to properly and safely iron out these details.

The pain and embarrassment of encountering a scope bite is easy to avoid. They just need to be spatially aware and understand that their body works naturally with their firearm, they need to know what good eye relief looks like, they need to tinker and find the right place for the physical placement of their scope and they have to make sure their gun stock fits them so that they can then put their face in the right place to have a clear sight picture. All of these factors work in tandem, and taking them into account will not only dampen scope bite, but contribute to solid consistency in marksmanship.

Things have changed – Times News Online


Published on July 16, 2022 at 09:08

Two million: the number of illegals who invaded our country in 2021 under Biden. That’s 2 million people getting free social assistance for life, food stamps, medical care, housing, education, transportation, legal representation, and paid smartphones. by the American taxpayer. Another 200,000 flood our southern border every month. Diseases once eradicated in the United States are now experiencing a resurgence. Is there a correlation?

Why are Democrats welcoming illegal pregnant women and infants across the border with open arms in record numbers, while advocating for the killing of American babies? Why are 160,000 illegal unaccompanied minors entering our country in 2022 at taxpayer expense?

Remember show and tell in school? Not anymore. Schools now have Drag Queen Story Hour. And your 12-year-old daughter, she gets her breasts cut off without your consent because she’s transgender. And mothers, didn’t you get the memo? You give birth to people.

We are paying record prices at the pump and for fuel oil, natural gas and coal because Biden refuses to drill, period. Not because of COVID, Putin, oil companies or gas station owners. Guess where our strategic oil reserves go? China.

Our farmers are going bankrupt because they cannot afford fertilizer. A catastrophic food shortage is widely mentioned. China is buying our lands. Inflation and crime are skyrocketing. Is Biden turning us into a Third World hellscape?

We better wake up. There is no upcoming course correction. Biden is only doubling down on the destruction of our amazing country and telling more and more lies that fake news dutifully reports. All of this is deliberate and planned. Fortunately, we can adopt our own course correction in the fall.

One last thing. Before you go to bed tonight, give your beloved pets a hug and tell them you love them. I’m not sure that without a change of administration, Biden won’t turn us into Venezuela. Once the good people of Venezuela ran out of zoo animals to eat, they decided to eat their own pets. Pray we don’t go down that road.

Wanda Dietz

Franklin Township

Netflix co-founder helps startups | News, Sports, Jobs


This undated photo provided by the Krupp agency shows Netflix founder Marc Randolph. photo AP

SANTA CRUZ, Calif. — Longtime Netflix CEO Reed Hastings is credited with creating a video streaming service that transformed entertainment, but it probably wouldn’t have happened without his friendship with serial entrepreneur Marc Randolph. .

While brainstorming with Hastings in 1997, Randolph designed the DVD-to-mail service that launched Netflix. He then led Netflix as its first CEO before handing over the reins to Hastings in 1999.

Rather than retire and live off his Netflix fortune when he left the company in 2003, Randolph decided to advise start-up startups and their founders. He also worked as a part-time executive at data analytics startup Looker, which Google bought for $2.6 billion in 2019. He also wrote a memoir/advice guide, “It will never work” and hosts a weekly podcast.

Randolph, 64, recently shared his insights with The Associated Press at a cafe near the post office in Santa Cruz, Calif., where he sent the first test disc for Netflix’s DVD service in 1997.

Q: What have you learned advising startups?

A: You expect to help with go-to-market strategy and technology, but a big part of that is marriage counseling. For many of the issues you face as a CEO, you don’t have anyone else to talk to. So if they’re struggling with something, they can’t always go to their team and talk. Often they can’t really speak to the board either, because they don’t want them to know that they’re having trouble or that the board doesn’t really understand the nuances of the issue. And they can’t go to their friends because their friends don’t know the details. There really isn’t anyone else who is impartial and understanding and knows enough of the context. So it ends up being the most rewarding and useful thing. I don’t create businesses; I build CEOs and founders.

Q: What are your thoughts on the current economic uncertainty and its impact on the technology sector?

A: It’s been a remarkable decade for technology, accentuated by the last two or three years, but there are a lot of cyclical things that are going to be corrected. One of them is definitely about tech ratings and expectations. You’ve had this crazy time over the last 18 to 24 months where employees have taken the reins saying: “I don’t like what I see, I may have 50 more jobs tomorrow.” It will correct, and I think it will correct in a positive way.

Q: How did the dot-com breakout in 2000 and 2001 affect Netflix?

A: It was a powerful lesson. We were going to be a (entertainment) portal. If we had gone that route, we would have disappeared because the model was not viable. We were lucky he got fixed when he did. As painful as it was, it imposed this discipline on us where you realize that any service you provide had to cost you less than what you charge. What a concept! Some startups are starting to realize, ‘Holy shit, it’s about cash. All this growth talk, forget it, we need to focus on solving this. Those who don’t will continue to accelerate off a cliff.

Q: What do you think of the kind of technological hyperbole that resulted in Elizabeth Holmes being convicted of fraud?

A: A mistake would be to think it’s a binary thing. There is a point where it borders on outright dishonesty. And even worse, dishonesty where it will hurt people. Is it too far for Tesla to claim increased autonomous driving? Yeah, especially if someone thinks they can just go to sleep in the back seat of a car that’s not self-driving. But for the most part, most people don’t go overboard.

What I don’t want to do is throw the baby out with the bathwater here. Are there extremes? Absolutely. But is it appropriate to talk about the vision of a product before it’s fully ready? Absolutely, at the risk of it sounding like hype. Telling someone “This is what I think it could be” is not the same as saying “I guarantee this is what it will be”. That’s a really interesting question because I have the superpower to speak with tremendous conviction about things that I’m not entirely sure of. And I have to be very careful about that.

Copyright 2022 The Associated Press.

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Chang Hwa Commercial Bank: Revised financial derivatives trading information of Chang Hwa Commercial Bank, Ltd. in June 2022.






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Announcement time



 Revision to the trading information of financial
derivatives of Chang Hwa Commercial Bank, Ltd.
on June, 2022.

Date of events


What item it responds to

paragraph 51


1.Date of occurrence of the event:2022/07/15
2.Company name:Chang Hwa Commercial Bank, Ltd.
3.Relationship with the Company (please enter "the company itself"
or "subsidiaries"):Head office
4.Reciprocal shareholding percentage:None
5.Cause of occurrence:Revision to the trading information of financial
derivatives of Chang Hwa Commercial Bank, Ltd. on June, 2022.
6.Information items/ statements to be corrected:Please refer to derivatives
section of Market Observation Post System.
7.Amounts/ contents/ number of page to be corrected:2022/06
1.Interest Rate
Notional principal-Exchange-traded derivative: USD 2,967,100 thousand
8.Amounts/ contents/ number of page after correction:2022/06
1.Interest Rate
Notional principal-Exchange-traded derivative: USD 2,971,100 thousand
9.Countermeasures:To republish the information to Market Observation
Post System
10.Any other matters that need to be specified:None


CHB – Chang Hwa Commercial Bank Ltd. published this content on July 15, 2022 and is solely responsible for the information contained therein. Distributed by Public, unedited and unmodified, on Jul 15, 2022 06:53:02 UTC.

Public now 2022


Sales 2021 26,892 million

Net income 2021 8,804 million

Net cash 2021 115B

PER 2021 ratio 20.3x
2021 performance 2.94%
Capitalization 179B
5,973 million
EV / Sales 2020 6.22x
EV / Sales 2021 2.36x
# of employees 6,601
Floating 52.8%


Duration :

Period :

Chang Hwa Commercial Bank, Ltd.  Technical Analysis Chart |  MarketScreener

Trends Technical Analysis CHANG HWA COMMERCIAL BANK, LTD.

Short term Middle term Long term
Tendencies Bearish Bearish Neutral

Evolution of the income statement

Letter to the Editor: Open Illinois Rivers and Waterways


I recently read a nice blog on the WBEZ site by Zachary Nauth about the pleasures of paddlesport.

As an avid tandem and solo canoe, whitewater and sea kayak paddler, I can only endorse what the author writes about the pleasures and beauty that a few hours on a local river can bring. I also know that paddlers – once exposed to this environment – become very strong supporters of environmental protection..

Kayaking on the river. Credit: Filip Mroz on Unsplash

We can’t protect what was not loved…..and we can’t love what we don’t know!

As nice as the article is. I would like to add a correction to the caption of the photo mentioning over 87,000 miles of rivers in Illinois and although this is about the roundtable and not WBEZ, I wanted my neighbors in Evanston to know also all this.

While it’s true that there are over 87,000 miles of rivers in Illinois, only a very small percentage of those river miles are accessible to paddlers or the general public wanting to recreate in canoes or kayaks.

The reason for this is Illinois’ old water access law, which defined a publicly accessible river as a designated river centuries ago, documenting the use of the waterway for the trade at that time. You can read more here.

I’m sad to say that the vast majority of our state’s rivers are NOT accessible to Illinois paddlers, as confirmed in last month’s decision by the Illinois Supreme Court, where the court found sided with landowners, claiming they can block waterways to paddlers and fishing. passionate.

Yet…there is a silver lining as one of the judges also said it was time to amend Illinois’ outdated access law to include recreational uses as a valid activity on a river. We have thousands of reasons to change this law – 87,000 of them in fact.

Sigrid Pilgrim

SBA Loans Available in Minnesota for Nonprofits Affected by Recent Bad Weather

(KNSI) – The Small Business Administration is making loans available to private nonprofits in 23 Minnesota counties affected by severe weather last spring.

Stearns County is among those receiving funding under a federal disaster declaration from the Federal Emergency Management Agency after tornadoes, flooding and storms in early May.

County officials say they are obtain calls from residents asking financial help with storm damage to their private properties. Public assistance money from FEMA is not available for personal property, but rather used by government entities to restore a community after a disaster. Dollars are used for the repair or replacement of public or certain eligible non-profit facilities or infrastructure damaged or destroyed by a disaster. Private residents whose properties have been affected should contact their insurance companies to file a claim for damage or loss.

Click here understand and learn the differences between individual assistance to private residents and public assistance to associations.

On Sunday, May 8, thunderstorms generated winds in excess of 60 miles per hour that swept through Stearns and Morrison counties, downing trees and power lines. The next day, May 9, tornadoes touched down. They ranged from an EF0 tornado near Hastings to a cluster of five tornadoes – one with winds exceeding 110 miles per hour – in central Minnesota causing extensive damage. On May 12 and 13, the southern two-thirds of the state experienced severe and dangerous storms, and at least six tornadoes were confirmed in west-central Minnesota.

Damage is estimated at nearly $11 million.

The governor also asked for help with two other weather-related events in recent weeks, including a disaster declaration request for federal aid for ongoing flooding in northwestern Minnesota and an extension. of the delay in seeking help for a Memorial Day tornado outbreak that caused significant damage in more than 20 counties to conduct damage assessments.

Online applications can be accessed by clicking here.

To request a paper form, click here.


Copyright 2022 Leighton Enterprises, Inc. All rights reserved. This material may not be broadcast, published, redistributed or rewritten in any way without consent.

Kuje prison attack: Police arrest fugitive inmate in Ogun


A 28-year-old escapee from Kuje Correctional Centre, Abuja, Yakubu AbdulMumuni, was arrested by officers from Ogun State Police Command.

Yakubu was arrested in Sango-Ota, in the Ado-Odo/Ota local government area of ​​the state.

State Police Public Relations Officer, Abimbola Oyeyemi, while making it known in a statement on Wednesday, July 13, said Yakubu, who was convicted of conspiracy and culpable homicide in Kogi State, and sent to Kuje Correctional Center was arrested on Monday, July 13. 11, by members of the State Police Command.

Oyeyemi said: “The fugitive detainee, Yakubu AbdulMumuni, was arrested following reports received by police officers at Sango-Ota Division Headquarters that the convict was sighted somewhere around Sango Ota.

“Upon the information, Divisional Police Officer (DPO) Sango-Ota Division, SP Saleh Dahiru quickly mobilized his men and moved to the area where the convict was apprehended.

“He confessed to police that he escaped from Kuje Correctional Center on July 5, 2022, when the prison was attacked by terrorists.

“He further noted that he was convicted by the Kogi State High Court for the offense of conspiracy and culpable homicide and sent to Kuje Correctional Center,” he added.

The Police Spokesperson further noted that the Commissioner of Police, CP Lanre Bankole, has ordered the State Criminal Investigation Department (SCID) to facilitate the transfer of the convict to the Abuja Correctional Center with immediate effect. , reports The Witness.

Wednesday’s Daily Trading Guide: 4 Stocks to Buy or Sell Today – July 13


Daily Trading Guide: Due to the rise in the dollar index and continued selling by FIIs, Indian equities ended in negative territory during Tuesday’s session. NSE Nifty lost 157 points and closed at 16,058 levels while BSE Sensex plunged 508 points and closed at 53,886. The Nifty Bank index ended down 337 points at 35,1332 levels. The India VIX volatility index ended at 18.55, up 1%. However, the BSE Mid-cap and Small-cap indices fell less than the Nifty 50 index.

Daily trading guide for the stock market today

Speaking today on the day trading guide for Nifty, Chinmay Barve, Head – Technical and Derivates Research at Profitmart Securities, said: “The Nifty repeatedly faced strong resistance around 16,250 at 16,300 since the last two sessions and any advance towards these levels has been met with renewed supply.. Nifty has good support placed around the 15,900 to 15,950 area and the bears should put in extra effort to pull the index decisively below the 15,900 mark. On the upside, Nifty is likely to face resistance at the 16,250 and 16,400 marks.

“After hitting resistance at 16250, the index has retraced some of the recent gains and Nifty is now approaching the 16000 mark. were the reasons for the nervousness. However, the index has formed a “Higher Top Higher Bottom” structure on the lower period charts and until this structure changes, it should only be interpreted as a pullback”, said Ruchit Jain, Lead Research at 5paisa.com.

Day trading stocks

Speaking on today’s intraday stocks, stock market experts – Anuj Gupta, VP – Research at IIFL Securities and Avinash Gorakshkar, Head of Research at Profitmart Securities – recommended 4 stocks to buy today. today.

Anuj Gupta Intraday Stocks for Today

1]Ashok Leyland: Momentum buy at CMP, target 155, stop loss 128

2]State Bank of India or SBI: Buy from CMP, objective 520, stop loss 455

Avinash Gorakshkar’s day trading stocks to buy today

3]Tata Power: Buy from CMP, target 233, stop loss 216

4]Havells: Buy from CMP, target 1270, stop loss 1190.

Disclaimer: The opinions and recommendations made above are those of individual analysts or brokerage firms, and not of Mint.

Catch all the trade news, market news, breaking news and latest updates on Live Mint. Download the Mint News app to get daily market updates.

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India has the highest fintech adoption rate in the world Capri Loans Rahul Agarwal

In an interview with BW Disrupt, Rahul Agarwal, Founder of Capri Loans, talks about the intersection of technology and problem solving

Capri Loans leverages state-of-the-art technology tools to become a leading FinTech company. The company’s digital transformation initiative aims to modernize the legacy system. Below are excerpts from an interview with Rahul Agarwal, who leads business transformation at Capri Loans:

What is your view on the Indian FinTech industry?
With nearly 34 million Indians connected between 2021 and 2022 and rapid technological advancements seen daily, the fintech industry and the nation are witnessing a surge of bright ideas and talent. These, combined with the government’s outlook and initiatives to drive the growth of the FinTech industry, have led to India having the highest fintech adoption rate in the world.

What is essential right now is revamping the education system to be more conducive to these developments and technologies, while continuing to retrain and upskill the current workforce. An employee who is not on the path of constant growth (*personally and professionally) will be left behind. This desire to constantly consume information and to develop must be inculcated right from educational establishments. The process of learning and “unlearning” has gone on for too long!

What are your main product offerings?

  • MSME loan: through this, we offer personalized financial solutions to small business owners, enabling clients to seize opportunities and grow their business.
  • Home loans: overcome the financial difficulties associated with the acquisition of your own home
  • Gold loan: loans against gold pledged as collateral
  • Wishwas: this product aims to build an egalitarian, poverty-eradicated and inclusive economy by providing loans to women in rural and semi-rural areas
  • Construction Finance: Our construction finance is available for small to mid-sized property developers looking to gain the edge needed to complete their project.
  • Prime Affordable Housing Loans: an affordable housing loan tailored to salaried employees working in government, public and private enterprises, meeting the growing demand for affordable housing in urban and rural areas
  • ECLGS: an emergency line of credit guarantee program, which offers pre-approved unsecured loans to finance small and medium-sized business owners who are eligible for loans to support their business.

What technology is used in the retail gold lending industry?
We have integrated a new age loan system for gold loan. We have also built our own in-house DSA platform and lead management system to power our Gold Loan business.

What are your hiring plans in the technology sector?
Recruitment is in full swing! As we continue to improve our internal systems and capabilities, we are constantly looking for bright and talented people who can bring value and enable growth to the organization. While outsourcing may have its own benefits for some organizations, we prefer to rely on our in-house so operations and scale are in our hands.

What are the future projects of Capri Loans?
The plan is to keep going full throttle! We are currently hosting massive hiring camps across the country for our gold lending and retail businesses. We are launching a 100 person fully dedicated state of the art technical office in the most prime location of Gurgaon. We run a very comprehensive internship program to harness talent at a very early stage. On several levels, we have also developed policies for permanent work from home. We have developed policies for our employees to train them for any work-related certification or program they wish to pursue.

What is more essential than even is staying abreast of relevant technologies and methods to implement them due to the rate at which they are maturing. We are strategically and rapidly moving from a conventional NBFC to a cutting-edge FinTech in order to provide the best possible financial products and solutions to our clients.

Fake Sky rep abuses Copyright Claims Board to target pirate streaming app *TorrentFreak


House > Anti-piracy >

The US Copyright Claims Board officially opened its doors less than a month ago and there is already one very suspicious claim on the record. The unknown ‘Copyright Protection’ team have filed a complaint against pirate streaming app HA Sports Studio ‘on behalf of’ Sky. However, Sky informs TorrentFreak that it has absolutely nothing to do with it.

Last month, the US Copyright Claims Board went live. Through this venue hosted by the Copyright Office, copyright owners can attempt to recover alleged damages outside of the federal court system.

Table aims to make it less costly for creators to settle disputes. No attorney is required and filing fees are limited to $100 per claim. Defendants also benefit because potential damages are capped at $30,000. Those who prefer traditional prosecutions may choose to opt out.

The benefits of advice are obvious to many rights holders. Opponents, however, feared that the system could be used by opportunistic rights holders to extract “easy money” from people less knowledgeable about the law.

‘Sky Group’ Suspicious Allegation

So far, a few dozen complaints have been filed with the CCB. There are no signs of systematic abuse, but a rather bizarre copyright infringement claim was filed last week that has set off several alarm bells.

Requirement was submitted by a group called “Copyrights Protection”, ostensibly on behalf of UK media giant Sky Group. The complaint accuses streaming app HA Sports Studio of infringing Sky’s rights.

“They are streaming Sky Sports live through their mobile apps on Google Play Store without permission from our customer Sky Group,” the claim reads.

false sky

It would be a big deal if a major media company like Sky started using the Copyright Claims Board to address a piracy issue. Hacking claims may be true, but in this case the claim itself is rather fishy.

When we go to the website of the supposed anti-piracy group, we are greeted by a stock design template where various placeholder text is still intact. There is also no contact address or information listed on the site.

Heaven is not involved

It seems strange that a company such as Sky would use an unknown and seemingly amateurish representative to file a complaint with the Copyright Claims Board. We contacted Sky directly who informed us that it had nothing to do with this claim.

“This complaint has not been made on behalf of Sky. We have no association with Copyrights Protection, they are not authorized to act on our behalf and we will be contacting them to seek the withdrawal of the complaint”, informed us a Sky spokesperson.

Sky’s response shows that someone is impersonating Sky at the Copyright Claims Board. This is relatively easy because rights holders and their representatives are not required to verify their identity before submitting a claim.

The Copyright Office Responds

Asked about this unusual case by the US Copyright Office, he informed us that he does not comment on current cases or the internal work of the Commission. However, he points out that all cases are subject to a “compliance review” where such inconsistencies can be revealed.

“The compliance review is the process by which CCB staff attorneys review a claim to determine whether it meets legal and regulatory requirements under the CASE Act and Agency regulations,” a doorman said. -word of the US Copyright Office.

There is no formal identity verification process, to our knowledge, but the Board may request additional information if necessary.

“While the CCB does not generally conduct factual investigations, its review will naturally identify claims that have material inconsistencies and areas where the claimant may need to clarify certain issues, including their right to file a claim for right copyright on behalf of another party.”

Who and why?

It is still unclear who is behind this bogus claim and why it was submitted. We have sent an email to the “Copyright Protection” contact address provided to the CCB, asking for clarification, but at the time of writing we have not yet received a response.

Meanwhile, the “Copyright Protection” website is no longer accessiblewhich makes it even more likely that we are dealing with someone who submitted a complaint in bad faith.

We can only speculate at this point, but it’s possible the sender was hoping for damages, unbeknownst to Sky. Another, perhaps more likely, option is for a competing pirate streaming app to try to take out the competition.

Experienced Water Damage Home Restoration in Magnolia, TX


Restoring the house is an involving process considering the amount of work done to restore the house to its original and even better shape. Working with the right team allows homeowners to get the best service and quality materials to recover their home after hazardous events, hence the need to choose the contractor to work with. In addition, several advantages come with the commitment of the right contractor.

Magnolia, TX- MHC Remodeling is a locally owned and operated home improvement company with many years of experience. In addition, Magnolia General Contractor has experience in home maintenance and building a business, allowing him to provide his clients with unparalleled service in the industry.

MHC Remodeling has well trained and experienced professionals with the expertise to provide a service that exceeds client’s needs. Professionals receive extensive training with extensive background checks to ensure the safety of their Magnolia General Contractor clients, as contractors work in the client’s personal space.

MHC Remodeling works closely with several insurance companies, enabling clients to finance their restoration services. Seeking compensation from insurance companies is tedious and the general contractor of Magnolia professionals accompanies its clients throughout the process. Some insurance companies they work with include FEMA insurance adjusters and banks.

MHC Remodeling has an excellent customer service experience, enabling customers to get the best restoration services. Professionals respond quickly to customer issues given the critical nature of emergencies, correcting damage in the shortest possible time. In addition, professionals work closely with the client in all processes, from initial remediation to complete restoration.

Media Contact
Company Name: Advantages of MHC remodeling
Contact person: Mitch Sanders
E-mail: Send an email
Address:123 Magnolia Blvd.
Town: Magnolia
State: TX
Country: United States
Website: http://mhcremodel.com/

iOS 16 Mail App: Improved Search, Undo Send, Scheduled Send, Reminders, and More


With iOS 16 and iPadOS 16, Apple added a number of improvements to the Mail app to bring it in line with competing mail apps. The Mail app includes search updates, an unsend option, and tools to get reminders about the emails you need to follow up on, and more.

This guide covers everything you need to know about the Mail app in ‌iOS 16‌, with these features expected to be available in September when ‌iOS 16‌ launches to the public.

Search in the Mail app has been improved, and you’ll now see a wider range of suggestions when you start typing a search term. You’ll see more relevant emails appear, and Apple also says Search fixes typos and uses synonyms for search terms.

messaging app ios 16 improved search
It’s not much different from iOS 15’s search function, but it makes searching faster, more accurate, and more intuitive to use.

Enhanced search is available to all users, while typo correction is available in English (Australia, Canada, India, Singapore, UK, and US).

Cancel send

After sending an email in ‌iOS 16‌ or ‌iPadOS 16‌, you have 10 seconds to unsend the email if you make a mistake. 10 seconds is shorter than the time other email apps like Gmail give you to unsend an email (30 seconds), but it’s better than no undo option at all .

ios 16 mail app unsend
Once you’ve sent an email in ‌iOS 16‌, you’ll see an “Undo Send” button at the bottom of the Mail app interface. You will need to tap it within 10 seconds to cancel sending the email, which will take you back to the compose interface. From there, you can correct your error and resend or delete the email entirely.

Scheduled send

When you’re ready to send an email you’ve written, you can schedule a time to send it, which is a new feature in ‌iOS 16‌. To do this, long press the send icon (the blue arrow) and then select an option.

scheduled send ios 16 messaging app
Apple has preset options that include “Send now”, “Send at 9:00 p.m. tonight”, and “Send at 8:00 a.m. tomorrow”. If these preset times don’t work for you, you can tap “Send later…” and choose the date or time you want.

Before it is sent, the email will be listed in a “Send Later” mailbox listed under options such as Flagged and Unread. You can access this inbox to see which messages you have scheduled and what time they are scheduled.

ios 16 mail app send later

Reminders by mail

If you’ve opened an email and don’t have time to respond to it, you can ask the Mail app to remind you to come back to it later. Apple lets you select a date and time for messages to reappear in your inbox so nothing is missed.

ios 16 messaging app call me back
To use the Remind Me feature, tap the Reply button on any email in your inbox. From there, scroll down to “Remind me” and tap it. Apple will give you preset options to call back in an hour, “tonight” and “tomorrow”. You can also use the “Remind me later…” option which allows you to set a specific date and time to receive a reply reminder.

When the reminder time arrives, the Mail app will move the email to the top of your inbox with a “Remind Me” label so you can reply.


Apple has added a “Follow Up” feature designed to move sent emails to the top of your inbox so you can send a follow up if you don’t hear back from the person you sent the email to. mail.

ios 16 messaging app tracking
On some emails in your inbox where you’ve indicated you expect a response, you’ll see a “Follow-up” option. Tapping it will take you to the compose interface with an email to the person you are expecting.

Notifications for missing recipients and attachments

If you mention an attachment or someone you plan to include in an email in the body of the email and then forget to add that information, the Mail app will let you know.

iOS 16 mail app missing attachment
This feature brings the Mail app in line with competing email services like Gmail, letting you know if you forgot an attachment or to add someone you wanted to add to an email.

Links to websites, songs in Apple Music, etc. are displayed as rich links in ‌iOS 16‌, rather than plain text. This means that if someone sends you a link in the messaging app, you can see a preview of the content right in the message without having to click on the link.

ios 16 messaging app rich links
Apple already uses rich links in apps like Messages, so the ‌iOS 16‌ update brings the Mail app in line with Apple’s other apps.

Focus filters for mail

Apple in ‌iOS 16‌ added a new Focus option called Filters. Filters are designed to allow users to filter the content of applications, by displaying a specific email account or calendar, if you have more than one. When using a Focus with a set of filters, the app with the filter will only display what you have selected, hiding everything else.

ios 16 focus filters 1
For the Mail app, you can choose any Mail account to associate with a Focus. With a set of filters, when you’re in this Focus, the Mail app will only show the accounts you’ve selected. This is useful if you want to filter personal emails while you work, and vice versa, for example.

Guides’ comments

Have questions about the ‌iOS 16‌ Mail app, know of a feature we’ve left out, or want to provide feedback on this guide? Email us here.

Business News | Stock and Stock Market News | Financial News


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This was to promote growth in global trade with a focus on India’s exports and support the global trading community’s growing interest in the rupee, the RBI said.

RBI sets up mechanism to settle business transactions in rupees

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  • Kangana Ranaut: जानें, पद्म पुरस्कारों के दौरान क्यों करण को ढूंढ रही थीं रनौत रनौत?

  • Laununchage e-Gca: ज्योतिरादित्य सिंधिया ने ऑनलाइन प्लेटफॉर्म e-gca किया लॉन्च, मिलेंगी dgca की 298 सर्विसेज

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  • कोरोना वायरस महामारी से फैला 80 लाख टन प्लास्टिक – रिपोर्ट रिपोर्ट

Last name Price To change % changes
ntpc 144.80 1.10 0.77
Indiabulls Hsg 97.65 3.45 3.66
Sbi 488.20 -0.35 -0.07
Rec 130.50 -0.30 -0.23




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Djokovic's Wimbledon win in photos: catch all the action

ED summons Sonia Gandhi on July 21 for questioning in National Herald case

Overview of the IPO

Equity Type Issue price Size of the problem Lot size Open issue Closing the issue
See profile initial public offering of an SME ten ten 10000 13-07 18-07
Equity Issue price Registration date Ad open close ad Listing Earnings % CPM Current Earnings %
Tours in Sailani 15 08-07 16.01 16.27 8.47 16.18 7.87
Navnirma by Modi 180 07-07 203.00 189.70 5.39 209.10 16.17
Pearl Clu Green 186 07-07 210.25 198.50 6.72 209.50 12.63
Goel food 72 28-06 86.25 78.75 9.38 86.10 19.58
Scheme Fund category Information Purchase order Opening date Closing date
No NFO details available.
Equity Type Issue price Size of the problem Lot size Subscription Open issue Closing the issue

Modi’s Navnirma View profile

initial public offering of an SME 180 22.68 0 23-06 28-06

Pearl Green Clu See profile

initial public offering of an SME 186 11.72 0 27-06 29-06

KCK Ind View profile

initial public offering of an SME 30 4.5 0 27-06 30-06

Sailani Tours View profile

initial public offering of an SME 15 1.9 0 27-06 30-06

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Company Report VF Ex-rights
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Company Name Last prize To change Market capitalization Net sales net profit Assets

country=India page generated=2022-07-11 17:56:15

Made-in-Canada app teaches users how to cut wasteful habits during Plastic-Free July


A new government policy is forcing Canadians to rethink their single-use plastic consumption. Luckily, there’s an app that can not only teach Canadians how to end their wasteful habits, but also reward them in the process.

July without plastic is transforming. The campaign that once encouraged elementary school students to pack, not buy, their lunches, is now a chance for Canadians to try out a lifestyle that may soon be legally mandatory.

According to CleanBC, single-use plastics are among the 12 most collected items during beach cleanups in British Columbia.

To combat plastic pollution, the federal government recently announced its plan to ban certain single-use items and many British Columbians already live in municipalities where these bans are in place.

Amidst this change, Jessica Correa, CEO of Random Acts of Green (RAOG), has an accessible solution to offer Canadians.

The RAOG app was founded in 2019 to encourage and inspire people to make “green” choices in their daily lives.

From composting to installing heat pumps, the app offers a mix of big and small actions that community members can check off. After completing an act, they earn “green points” to redeem for discounts at RAOG’s partner businesses, such as Boston Pizza or Green Beaver.

Last year, actions recorded on the app contributed to a total reduction of nearly 16 million kilograms of CO2 emissions, according to GOEN Impact Report 2021. That’s the same amount of emissions produced by crossing Canada about 8,000 times.

While many environmentally conscious app users may have already taken these actions before signing up, Correa said RAOG has also been able to “preach beyond the choir” through workshops, social media and word of mouth.

Many app users said they were disengaged from the idea of ​​sustainability before signing up, according to Correa.

“We have a really good mix of people trying to find a place that can actually help educate them… without shaming them or making them feel guilty,” she said.

“[We’re] create this user-friendly approach to kick-start them on their sustainability journey, then help them build as they go.

A year of research, involving focus groups, behavior change tools and consultants, led Correa and his team to select 45 actions, from a list of 150, to exist on the app.

“We wanted people to have fruit at their fingertips, as well as bigger engagement pieces, like installing solar panels or buying an electric vehicle,” she said.

Refusing single-use plastics, using a reusable shopping bag, or carrying a reusable water bottle, for example, all buy users 25 green points. While recycling can earn a user 600 points.

The amount of greenhouse gases saved by each individual actor is also shown on the app. Having a “reusable water bottle buddy” saves 22 grams of GHGs and recycling saves 3,150 grams.

In 2021, carrying a reusable water bottle was the most successful action with a total of 540 entries, according to RAOG’s impact report. Recycling and composting come second and third respectively, while refusing single-use plastics comes in tenth.

In July, Correa said she hoped the app would motivate people to refuse single-use plastics, log their actions, and redeem those points for genuine eco-friendly products and services.

“Our app is just another motivator, a way to engage people and get them to help solve the plastic pollution problem we are currently facing,” she said.

As new single-use plastic policies continue to be proposed and implemented, Correa said his enforcement is here to help people learn to adapt.

“There’s a very small percentage of people who are really climate deniers who don’t really want to take action,” Corrie said.

“Most people just need a place to start and we hope to be that place.”

Correction: An earlier version of this story incorrectly stated that actions recorded on the app represented a reduction of 10 million kilograms of CO2 emissions. The actual number is 16 million.

Bull runners narrowly avoid being gored at San Fermin festival

Thousands of thrill-seekers avoided being gored during the last bullfight of Pamplona’s San Fermin festival, officials said, revising an initial report that said two men were stabbed by horns.

Spanish city officials have corrected the Pamplona hospital’s preliminary report to state that a man had been scratched by a horn, not pierced.

After the run through the narrow streets ended on Saturday morning, another man suffered a laceration when a feral cow was unleashed into the city’s bullring for individuals to test their escape techniques, the update said. .

A total of seven men – six Spaniards and a Frenchman – had to be hospitalized but none of them were seriously injured.

While no one was gored, there were several close calls.

People run down the street with fighting bulls during the ‘running of the bulls’ at the San Fermin Festival in Pamplona (Alvaro Barrientos/AP)

Several runners have been trampled or knocked down by the six tame bulls and six oxen that guide them along the 875-meter course through Pamplona’s old quarter.

There were also no gorings on the first two days of this year’s festival. Saturday’s bull run was the third of eight scheduled and lasted two and a half minutes.

Thousands of runners, most wearing the traditional white t-shirt and trousers with a red belt and scarf, rushed to avoid the charging animals.

Only expert runners can sprint short distances just past a bull’s horns before pulling away at the last moment.

Running of the bulls
The annual event attracts thousands of spectators (Alvaro Barrientos/AP)

The incredibly popular festival, which rose to prominence in the English-speaking world thanks to Ernest Hemingway’s 1926 novel The Sun Also Rises, attracts tens of thousands of visitors from around the world.

Eight people were gored in 2019, the last festival before a two-year hiatus due to the Covid pandemic. Sixteen people have died in the bullfights of Pamplona since 1910, the last fatality in 2009.

Saturday’s bull run was the third of eight scheduled for this year.

The six bulls that run each morning are killed in bullfights by professional bullfighters later that day.

Stocks end negative in lackluster trade


The Pakistan Stock Exchange (PSX) ended the week on a negative note as the benchmark KSE-100 index fell 286 points to 41,344.01 as many investors remained on the sidelines.

The KSE-100 index started the week under pressure due to rising inflation and closed in the red zone.

The week started on a bearish note as a further depreciation of the rupiah against the US dollar rattled already pessimistic sentiment due to the delay in resuming the International Monetary Fund (IMF) bailout programme.

However, value buying lifted the KSE-100 index after a lackluster trading session on concerns over an expected rate hike amid the monetary policy announcement.

However, the KSE-100 index failed to end the week in the green as the market stood at 41,344 points, down 286 points (or 0.7%) week on week. ‘other.

Volumes remained weak throughout the week in the absence of positive triggers as investors remained on

Pakistani stocks ended the week on the negative note at 41,344, falling 0.7% week-on-week, JS Global analyst Faisal Irfan said.

Volumes remained dry with an average of 90 million shares traded per day during the week, registering a decline of 55% on a weekly basis.

The main underperformers during the week were refining, engineering and
fertilizer sectors.

Investors remained on the sidelines due to the lack of positive triggers and further delays in the IMF staff-level deal, the analyst said.

Additionally, the June CPI hit a 13-year high of 21.32% YoY, versus a market expectation of around 18% YoY.

Along with that, the trade deficit for June 2022 reached a five-month high of $4.85 billion, up 34% year-on-year and 20% month-on-month, bringing the FY22 trade deficit to $48.35 billion, up 55% year-on-year. -on-year.

On the international front, oil prices suffered a major correction, with Brent falling 12% week-on-week to close at $100 a barrel amid fears of a slowdown in demand due to the risk of recession have made themselves felt.

On the news front, the oil division has reportedly proposed a gasoline price hike of 42% to 82% for various segments of the industry.

Arif Habib Limited, in its report, said the market started on a negative note this week amid concerns over the resumption of the IMF program.

Additionally, the Pakistani Rupee climbed Rs3.06 against the US Dollar, closing the week at Rs207.91.

Additionally, cement withdrawals were down 7.9% year-on-year in FY22. MS and HSD sales in June 2022 were down 12% and 16% month-over-month, respectively.

Meanwhile, the 4% reduction in the price of Arab Light gave investors some breathing room and cushioned the overall decline.

The market closed at 41,344 points, losing 286 points (down 0.7%) week-over-week.

In terms of sectors, the positive contribution came from technology and communication (27 points), oil and gas marketing companies (18 points), oil and gas exploration companies (13 points), closed-end mutual funds (4 points) and real estate investment. Confidence (3 points).

On the other hand, the sectors which contributed negatively are Cement (97 points), Fertilizers (57 points), Commercial Banks (30 points), Chemicals (27 points) and Energy Production and Distribution (24 points) .

Meanwhile, positive equity contributors were Oil and Gas Development Company (39 points), Pakistan Petroleum (27 points), TRG Pakistan (15 points), Sui Northern Gas Pipelines (14 points) and Habib Bank (13 points). ).

However, the negative contribution came from Lucky Cement (49 points), Pakistan Oilfields (39 points), Engro Polymer and Chemicals (34 points), Bank AL Habib (33 points) and Engro Corporation.

Foreign purchases were seen this week, reaching $1.63 million versus a net purchase of $1.52 million last week.

Significant purchases were seen in all other sectors ($0.63M) and in technology ($0.56M).

On the local front, sales were reported by mutual funds ($2.91 million), followed by banks ($2.20 million).

Average volumes reached 90 million shares (down 55% on WoW) while the average traded value was $15 million (down 52% on WoW).

Among other important news, SBP extends the implementation deadline of IFRS-9 till 1st January 2023, Bank advances to the private sector increase by 142%, tariff hike by Rs 9.42/ unit approved for KE and increased urea sales 73% YoM. .

Published in The Express Tribune, July 9e2022.

As Business on Facebook, follow @TribuneBiz on Twitter to stay informed and join the conversation.

Launch of the new Fizz anonymous chat app on campus


The app has become the best-known replacement on the Dartmouth campus for social media platform Librex, which shut down on Feb. 27.

by Arizbeth Rojas | 08/07/22 1:19 p.m.

On June 28, Dartmouth became the latest college community to download Fizz, a social media platform that allows users to participate in anonymous discussions. Co-founded by Stanford University sophomores Teddy Solomon and Ashton Cofer, the app is comparable to Librex, another social media platform with anonymous forums, which abruptly stopped February 17.

According to Solomon, he and Cofer took time off from Stanford in December 2021 after raising “seven-figure” seed funding. Solomon said they created Fizz as a place for students to discuss campus happenings, confessions, crushes, and whatever else was going on.

“Fizz’s drive to fill a void in social media and create authentic social media is what will lead us to success no matter how many copycats show up in the space,” Solomon said. “We have the passion and the mission, and we’re going to make sure every student uses Fizz.

At the app’s launch in Dartmouth on June 29, students received donuts in exchange for downloading the app and hats if they promoted it on social media, Solomon said.

Isabella Hochschild ’25 wrote in a statement to The Dartmouth that she believes other anonymous platforms, such as Flok, Sidechat and Pantake – which have come to Dartmouth since Librex ended – have not been as widely adopted. by students as Fizz.

“The first day and a half, [around] two-thirds of people currently on the Dartmouth campus have downloaded the app,” said Fizz Ambassador John Renda ’24.

Other schools participating in Fizz include Arizona State University, Chapman University, Pepperdine University, Rutgers University, and the University of Texas at Austin. Unlike Librex, which allowed messaging between several college communities, students on Fizz cannot interact with students outside their institution.

Solomon said he thinks Fizz has received a warm reception because the app’s anonymity might reduce some users’ social anxiety. Solomon said social media platforms such as Instagram and Snapchat can have negative impacts on users’ mental health, as users often only show the highlights of their lives, while Fizz aims to uncover everyday thoughts. students and enable more “authentic connections”.

“What’s beautiful about these communities is the intimacy and the fact that you know who’s in the community – it’s everyone around you, everyone you go to school with – you just don’t know who’s who in the community [because it’s anonymous]”Solomon said.

The app’s lead ambassador, Alina Chadwick ’24, likened Fizz’s goal to that of sophomore summer — which is to bring the college community together.

Renda said he thought anonymous platforms were popular with the Class of 2024 due to COVID-19 limitations on gatherings in their first year. It was in this “restricted” environment that some students used Librex to connect with people, Renda explained. Solomon added that COVID-19 restrictions on the Stanford campus sparked Fizz’s idea because of a similar desire to connect with fellow students on campus.

The beta version of Fizz was tested in 2021 by nine people living in the same house. Later, another version of the app was tested at Cornell University before being shut down to incorporate community feedback. Finally, the app was released for Stanford students, where 7,000 users joined.

According to Solomon, moderators are interviewed with an emphasis on objectivity based on Fizz community guidelines. Solomon also said users who engage in doxxing — the unwanted identification of users by their initials or class year — will be removed from the platform. Renda explained that features like pseudonyms also make it easier for users to track their posts, whereas students were completely anonymous on Librex.

TJ Parekh ’24 said he likes how the app appears to regulate hate speech, as he believes it is a “good and important” initiative. However, he said the app was not effective in preventing doxxing.

“It feels less anonymous,” he said. “I know particular names were mentioned on the application.”

Parekh added that the app looks more “artificial” than Librex because he thinks “bots” are increasing upvotes on threads to make the app look like it has more users than it does. in a.

“On Librex, it would be [have been] crazy if someone had 50 upvotes,” Parekh said. “With this app, [almost] each post has 400 votes which almost ruins the effect of engaging with the app.

John Renda ’24 is a member of Dartmouth’s artistic staff.

Appendix correction (July 8, 1:20 p.m.): A previous version of this article misspelled the surnames of Teddy Solomon and Ashton Cofer. The article has been updated.

Six people charged with fraudulently obtaining loans intended to help small businesses during the COVID-19 pandemic | USAO-NJ

NEWARK, NJ – Six residents of Essex County, New Jersey, were arrested today for conspiring to fraudulently obtain Paycheck Protection Program (PPP) loans, U.S. Attorney Philip announced. R. Sellinger.

Nyan Terry, aka “Racks,” 23, of Irvington; Samir Jefferson, aka “Tank Jeffe,” 23, of Newark; and Nasir Williams, aka “Harlem Pete”, 29, Hymeen Reynolds, aka “Meen”, 21, Brian Brown, aka “Bizz”, 40, and Cadece Lapread, 35, all of East Orange, are each accused by complaint of a bank fraud account. Terry, Reynolds, Brown, Lapread and Jefferson are also each charged with one count of bank fraud conspiracy. The defendants made their first appearances today before US Magistrate Judge Jessica S. Allen.

According to documents filed in this case and statements made in court:

The CARES Act (Coronavirus Aid, Relief, and Economic Security) is a federal law enacted in March 2020 and was designed to provide emergency financial assistance to millions of Americans suffering from the economic effects caused by the COVID-19 pandemic. . One of the sources of relief provided by the CARES Act was the authorization of hundreds of billions of dollars in small business forgivable loans for job retention and certain other expenses, through the PPP.

To obtain a PPP loan, an eligible small business had to submit an application and provide information about its operations, including the number of employees and expenses. In addition, companies generally had to provide supporting documents.

In April and May 2021, Terry, Jefferson, Williams, Reynolds, Brown and Lapread conspired to defraud PPP lenders by submitting fraudulent PPP loan applications on behalf of non-existent small businesses, along with false tax forms. Based on the defendants’ false statements, the lenders approved at least three fraudulent PPP loans and disbursed more than $62,000 in federal COVID-19 emergency relief funds.

The bank fraud and bank fraud conspiracy counts each carry a maximum sentence of 30 years in prison and a maximum fine of $1 million.

U.S. Attorney Sellinger credited FBI Special Agents, under Special Agent in Charge Jesse Levine in Newark; Department of Homeland Security Special Agents, Homeland Security Investigations, under Special Agent in Charge Jason J. Molina in Newark; and IRS-Criminal Investigation Special Agents, under Acting Special Agent in Charge Tammy Tomlins, the investigation leading to the charges. He also thanked the Bloomfield Police Department, Essex County Sheriff’s Office, Essex County District Attorney’s Office and Newark Department of Public Safety for their assistance in the investigation.

The government is represented by Special Assistant US Attorney Timothy Shaughnessy and Assistant US Attorney Sarah A. Sulkowski of the US Attorney’s Organized Crime/Gang Unit in Newark.

The charges and allegations contained in the complaint are charges only, and the defendants are presumed innocent until proven guilty.

Letter: Hayes-Santos’ comments on single-family zoning on local TV were inaccurate and should be removed


An open letter to Gainesville City Commissioner Adrian Hayes-Santos:

Last night, July 6, you appeared on local television and misrepresented several important facts related to the City Commission’s current proposal to eliminate single-family zoning citywide. I believe your misrepresentations will have a disproportionate impact on our African American neighbors. According to the mycbs4.com website summary of that show, “He says he wants to clear up some of what he calls misinformation. He points out that some of the proposed changes include limiting the height of two-story buildings, and notes that the proposal will not affect zoning in “certain historically black neighborhoods.”

“‘Fifth Avenue, Pleasant Street, Porters, majority of Duval, those types of black neighborhoods won’t see any change because they’re not actually zoned single-family either,'” Commissioner Hayes-Santos said.

First, you failed to mention other historically black neighborhoods, such as Springhill and Sugarhill, that will be significantly impacted by this change due to their proximity to Depot Park. You also didn’t mention that Azalea Trail and Lincoln Heights – also historically black, though more recently developed – will also likely be disproportionately affected. This unfair impact will be due to the number of vacant properties in these neighborhoods, their declining property values ​​due to racist lending practices and property appraisals, and the historic underinvestment by the city and school board. in basic services in these neighborhoods.

Second, you seem unaware of the City’s current zoning. Below are screenshots I took this morning, from the city’s website, Fifth Avenue/Pleasant Street (FAPS), and Duval neighborhoods. They show that the two neighborhoods have extensive residential conservation zoning (RC, shown in dark green) and single-family zoning (RSF 2-4, shown in shades of yellow). As explained in Article 30-4.16, Table V-4 of the City’s Land Use Planning Code, residential conservation zoning only allows single-family homes and duplexes, while the RSF only allows than single-family homes. (Screenshot of Table V-4 below. Note footnote 1.)

Fifth Avenue/Pleasant Street Zoning
Zoning of the Duval district

Two decades ago, city officials told me that RC zoning was created in Gainesville to recognize that certain duplexes existed in historically black neighborhoods. This designation, applied long after the houses were built, was intended to recognize what would otherwise have been a nonconforming use while protecting the residential character of these neighborhoods. By avoiding mentioning several historically black affected neighborhoods – a false statement of omission – and falsely stating that Duval and FAPS are “in fact not zoned single-family” now – a false commission statement – ​​you have given the people of Gainesville , in particular to the inhabitants of these threatened neighborhoods, force them to abandon their fight.

Because these are serious inaccuracies, one of which particularly targets our African-American neighbors, I ask you to formally retract yourselves. In anticipation of your public correction, I have copied various media to help set the record straight.

Kim Tanzer, Gainesville

Opinions expressed by letter or opinion writers are their own and do not necessarily represent the views of AlachuaChronicle.com. Letters may be submitted to [email protected] and are published at the editor’s discretion.

Participate in July without plastic? There is an application for that


A new government policy is forcing Canadians to rethink their single-use plastic consumption. Luckily, there’s an app that can not only teach Canadians how to end their wasteful habits, but also reward them in the process.

July without plastic is transforming. The campaign that once encouraged elementary school students to pack, not buy, their lunches, is now a chance for Canadians to try out a lifestyle that may soon be legally mandatory.

According to CleanBC, single-use plastics are among the top 12 items collected during beach cleanups in British Columbia.

To combat plastic pollution, the federal government recently announced its plan to ban certain single-use items and many British Columbians already live in municipalities where these bans are in place.

Amidst this change, Jessica Correa, CEO of Random Acts of Green (RAOG), has an accessible solution to offer Canadians.

The RAOG app was founded in 2019 to encourage and inspire people to make “green” choices in their daily lives.

From composting to installing heat pumps, the app offers a mix of big and small actions that community members can check off. After completing an act, they earn “green points” to redeem for discounts at RAOG’s partner businesses, such as Boston Pizza or Green Beaver.

Last year, actions recorded on the app contributed to a total reduction of almost 16 million kilograms of CO2 emissions, according to GOEN Impact Report 2021. That’s the same amount of emissions produced by crossing Canada about 8,000 times.

While many environmentally conscious app users may have already taken these actions before signing up, Correa said RAOG has also been able to “preach beyond the choir” through workshops, social media and word of mouth.

Many app users said they were disengaged from the idea of ​​sustainability before signing up, according to Correa.

“We have a really good mix of people trying to find a place that can actually help educate them… without shaming them or making them feel guilty,” she said.

“[We’re] create this user-friendly approach to kick-start them on their sustainability journey, then help them build as they go.

A year of research, involving focus groups, behavior change tools and consultants, led Correa and his team to select 45 actions, from a list of 150, to exist on the app.

“We wanted people to have fruit at their fingertips, as well as bigger engagement pieces, like installing solar panels or buying an electric vehicle,” she said.

Refusing single-use plastics, using a reusable shopping bag, or carrying a reusable water bottle, for example, all buy users 25 green points. While recycling can earn a user 600 points.

The amount of greenhouse gases saved by each individual actor is also shown on the app. Having a “reusable water bottle buddy” saves 22 grams of GHGs and recycling saves 3,150 grams.

In 2021, carrying a reusable water bottle was the most successful action with a total of 540 entries, according to RAOG’s impact report. Recycling and composting come second and third respectively, while refusing single-use plastics comes in tenth.

In July, Correa said she hoped the app would motivate people to refuse single-use plastics, log their actions, and redeem those points for genuine eco-friendly products and services.

“Our app is just another motivator, a way to engage people and get them to help solve the plastic pollution problem we are currently facing,” she said.

As new single-use plastic policies continue to be proposed and implemented, Correa said his enforcement is here to help people learn to adapt.

“There’s a very small percentage of people who are really climate deniers who don’t really want to take action,” Corrie said.

“Most people just need a place to start and we hope to be that place.”

Correction: An earlier version of this story incorrectly stated that actions recorded on the app represented a reduction of 10 million kilograms of CO2 emissions. The actual number is 16 million.

Nebraska State Patrol News – Syracuse Journal-Democrat

NSP Honored for 2021 Stopstick Deployment

Nebraska State Patrol Honored by Stop Stick Ltd. for the 2021 “Hit of the Year”. The award is given annually for an outstanding deployment of the stop-stick that results in the safe conclusion of a chase.

On Thursday, June 30, Stop Stick representatives presented the award to Trooper John Lewis for his successful deployment of stop sticks during a chase with a man suspected of shooting Omaha policeman Jeffrey Wittstruck on March 21, 2021. The deployment of Trooper Lewis has been selected. more than 4,000 firestick deployments in 2021.

“The arrest of this suspect was imperative, and it took exceptional teamwork on the part of many soldiers, officers and deputies,” said Nebraska State Patrol Superintendent Col. John Bolduc. “Part of this team effort was an incredible stop-stick deployment by Private Lewis. If the suspect hadn’t hit the spikes, he could very well have walked into Lincoln and put even more members of the public in danger.

The pursuit began when a soldier observed the suspect vehicle at the I-80 Gretna interchange at Mile 432. As the suspect fled west on I-80, the soldier launched a chase. During the prosecution, numerous divisions within the NSP and other law enforcement agencies responded.

As the suspect vehicle approached the Waverly interchange, at speeds in excess of 130 miles per hour, Cavalier Lewis was able to deploy the stop sticks and contacted the tires on the driver’s side of the vehicle, so that his view was completely blocked by a passing tractor-trailer. The suspect vehicle then exited I-80 at the Waverly interchange and the suspect was subsequently arrested minutes later without further incident.

“I don’t know how the rider Lewis did,” said Adam Freeman, national sales manager of Stop Stick Ltd. .”

Earlier this year, NSP presented the actual arresting stick used in the chase to Officer Wittstruck as he returned to work for the Omaha Police Department.

State Patrol arrests man suspected of luring children

Nebraska State Patrol investigators have arrested a Roca man following a child seduction investigation.

On Monday, June 27, investigators arrested Hector Tercero, 22, from Roca. Tercero had used social media to arrange a meeting for a sexual encounter with what he believed to be a 14-year-old girl. He had actually contacted an NSP investigator posing as the girl.

Tercero was arrested without incident when he showed up for Monday’s meeting on Grand Island. He was housed in Hall County Corrections for childhood incitement.

Letter to the editor: La Poste must solve its personnel problems | Letters


A beautiful red fox entertains the residents of our neighborhood as she dutifully sets out on the hunt daily, returning with her catch of the day to feed her hatchlings.

Too bad the fox can’t be trained to use his instincts, dedication, and reliability in delivering US Postal Service mail.

Mail delivery is a long-standing, widespread, and ignored problem for a myriad of reasons.

This is particularly infuriating for residents served by the Gansevoort Hamlet office. By my calculations, our neighborhood received mail four times in 18 working days, including today! (July, 1st). One delivery was made after 9 p.m., another on a Sunday.

There is no doubt that the pending mail is missing. All I received today was three ‘junk’ mailings and a prescription drug. Post customers, especially advertisers, must be happy to spend money for nothing. It’s infuriating that the Postal Service delivers contracted overnight packages to Amazon every day but doesn’t bother to deliver regular mail at the same time.

People also read…

Although they are unaware of the politics and inner workings of the Postal Service, it is high time for its bureaucrats to solve the personnel crisis through creative recruitment or be replaced.

Provide employment for returning service members and veterans who have difficulty finding employment. Work with school districts and colleges to provide bus drivers, teachers and age-appropriate students with summer jobs. Use employment agencies to find qualified employees. Participate in job and job fairs.

Hire retired postal workers on a daily basis that does not affect their pensions. Recruit retired police officers, firefighters and corrections officers who are often looking for employment after completing 20 or more years of service.

It may be time to contract with UPS and FedEx to deliver mail on rural routes that require vehicles. Between package deliveries, drivers could stop at roadside mailboxes where a second employee delivered the mail.

“No snow, no rain, no heat, no darkness…”. Oh whatever!

50 Smart Stocks: Smart stocks trade at a discount to historical averages; top picks as D-St enters Q1 earnings season

NEW DELHI: The recent correction in Dalal Street has caused Nifty50 valuations to fall below historical averages, making a host of stocks attractive on the valuation front. Currently, half of the index constituents are trading below their long-term valuation multiples; approximately two-thirds of the Nifty50 sectors are trading below historical averages. Some analysts felt that more value was visible in large caps than in mid and small cap stocks.

At the end of June, Nifty50 was trading at a 12-month forward P/E of 17.6x, a 9% discount to its long-term average. On a rolling basis, Nifty50 at 20.7x traded at a 3% discount to its LPA of 21.2x.

“The unfavorable macro backdrop, with heightened concerns over rising interest rates, high crude oil prices and tight liquidity, has kept the market volatile and jittery. After the correction, the Nifty50 is trading at 18, 4 times FY23E, below its 10-year P/E average of 19.5 times. We find more value in largecaps than midcaps, given the relative valuation equation,”

said in a note.

At a PE multiple of 1.9x, ONGC was trading at a 78% discount to its 10-year average of 8.5x. Tata Steel at 5.9x was trading at a 53% discount to its historical PE of 12.5x. Coal India (down 53%),

(down 38%) and JSW Steel (down 36%) are a few other stocks that are trading at significant discounts to historical levels.

There are other stocks, such as

(up 47%), (up 30%), Infosys (up 26%), (up 22%) and (up 22%) which are trading at a steep premium to their historical averages.


On a sector basis, the automotive sector’s PE of 23 times is 8% off its historical average of 25 times. The metals sector is trading at an EV/Ebitda ratio of 4.6x, well below its 10-year historical average of 6.6x. Despite the recent correction, the tech sector is trading at a P/E of 22.2x, at a 19% premium to its historical average of 18.6x.

What do analysts like?
Ahead of the June quarter earnings season, the strategy notes of a few brokerages contain some common recommendations such as

SBI and , among others.

Axis Securities at ICICI Bank,

Maruti Suzuki, SBI, Bharti Airtel and Cipla among its top large-cap picks.

For Motilal Oswal Securities, Reliance Industries, Infosys, ICICI Bank, SBI, Bharti Airtel, ITC,

Mahindra & Mahindra, Hindalco and Apollo Hospitals are his best ideas from the largecap pack.

ICICI Bank, Maruti Suzuki, SBI, and

are the best choices.

(Disclaimer: The recommendations, suggestions, views and opinions given by the experts belong to them. These do not represent the views of Economic Times)

“Government should provide interest-free loans for solar power projects” – Business & Finance

KARACHI: Chairman of National Business Group Pakistan and Chairman of Pakistan Businessmen and Intellectuals Forum (PBIF), Mian Zahid Hussain said the government should provide interest-free loans to the people, traders and industrialists for solar energy, wind power plants should be set up, commercial agriculture should be introduced and self-sufficiency in agricultural products should be achieved. Care units must be privatized because ignoring these reforms would be economic suicide.

He said the whole world had been pushed into an economic crisis by developed countries in a bid to punish Russia. Mian Zahid Hussain said millions of people were falling below the poverty line and the number of insecure people was steadily increasing.

He said rising inflation has eroded people’s purchasing power, hitting demand for all basic commodities except food all over the world, wreaking havoc in the productive sector. Mian Zahid Hussain said that dozens of countries used the funds allocated to the social budget for the purchase of weapons, which resulted in human tragedy.

Many countries, including the United States, are on the brink of recession with no prospect of an end to the war, and the sanctions against Russia have not proved productive. A recent report by JP Morgan indicates that a new plan is hatching to punish Russia, but if Russia, which is in a much better economic situation at the moment, cuts its oil production by half a million barrels, the price of oil will climb to 380 dollars spelling. a disaster.

Copyright Business Recorder, 2022

Kayakers rescued after dark in Clarksville thanks in part to iPhone app


CLARKSVILLE, TN (NOW CLARKSVILLE) – There was a happy ending to a precarious situation late last night, thanks to a girl’s quick thinking when her 80-year-old mother disappeared on a kayaking trip.

Around 5 or 6 p.m. on July 4, an 80-year-old woman and her companion went kayaking on Big West Fork Creek.

At 9:51 p.m., when the woman’s daughter had not heard from her for four or five hours, she called 911 and Clarksville Fire Rescue was dispatched to find them, Capt. Jim Eley said of Clarksville Fire Rescue.

“During a brief conversation the girl had with her, her mother said she was still on the water, but she didn’t know where,” Eley told Clarksville Now.

“The daughter was eventually able to pinpoint her mother’s general location using an app used by most iPhone users called Find My Friends,” Eley said, noting a screenshot of the map. and location helped responders locate lost kayakers.

“We knew they didn’t go over West Fork Bridge at 101st,” Eley said. “We asked Station 10 to set up a whitewater raft.”

Eley said multiple water rescue units responded to the call, including an airboat.

They located the couple at 10:23 p.m. “The (lost) kayakers arrived first, then the airboat 8-10 minutes later,” he said.

Clarksville Fire Rescue crews rescued two people on Big West Fork Creek on July 5, 2022. (CFR, Contributed)

The woman and her family declined to be interviewed.

“There was no medical emergency or physical emergency,” he said. “It was just the woman’s age and the fact that it was dark.”

“Just to put out a little PSA, for anyone thinking of getting in the water, know where you’re going, what time you expect to be back, and watch the alcohol,” Eley said.

Correction: The fast craft came from Station 10 and the CFR did not respond with kayaks. The article has been updated.

Brittney Griner writes handwritten letter to Biden



WNBA star Brittney Griner, in a handwritten letter to President Joe Biden, said she feared being detained in Russia indefinitely and pleaded with the president not to forget her and the other American detainees.

“(As) I sit here in a Russian prison, alone with my thoughts and without the protection of my wife, my family, my friends, my Olympic jersey or any achievement, I am terrified to be here forever,” she wrote, according to a statement released by the communications company representing the Griner family.

Griner, 31, who played in Russia during the WNBA offseason, was arrested Feb. 17 at a Moscow airport, a week before Russia invaded Ukraine. Russian authorities claimed she had cannabis oil in her luggage and charged her with smuggling large amounts of a narcotic, an offense punishable by up to 10 years in prison. She was tried on Friday in a court near Moscow for drug trafficking.

Griner supporters and US officials say she was wrongfully detained and have called for her release amid growing fears she will be used as a political pawn amid growing tensions between Russia and the US.

Griner’s letter to Biden, according to the communications company’s statement, was delivered to the White House on Monday morning. Three excerpts from the letter have been made public, while the rest are kept secret, according to the statement.

“On the 4th of July, our family normally honors the service of those who fought for our freedom, including my father who is a Vietnam War veteran. It hurts to think about how I usually celebrate this day because that freedom means something completely different to me this year,” Griner wrote to Biden.

“I realize you are dealing with so much, but please don’t forget me and the other American inmates. Please do all you can to get us home. I voted for the first time in 2020 and I voted for you. I believe in you. I still have so much good to do with my freedom that you can help restore. I miss my wife! I miss my family! I miss my teammates! It kills me to know that they are in so much pain right now. I appreciate whatever you can do at this time to bring me home.

Biden read the handwritten letter, White House press secretary Karine Jean-Pierre said Tuesday.

“We’re going to use whatever tools we can” to bring Griner home, she added.

The White House reiterated on Monday that “the Russian Federation wrongfully detains Brittney Griner.”

“President Biden has been clear on the need to see all U.S. nationals held hostage or wrongfully detained overseas released, including Brittney Griner. The U.S. government continues to work aggressively — using every means available — to bring her home,” National Security Council spokeswoman Adrienne Watson said in a statement to CNN.

“The president’s team is in regular contact with Brittney’s family and we will continue to work to support her family,” Watson said, adding that National Security Adviser Jake Sullivan and Secretary of State Antony Blinken “have spoke with Brittney’s wife several times in recent weeks.” and the White House is coordinating closely with the President’s Special Envoy for Hostage Affairs, who has met with Brittney’s family, teammates and support network.

Griner’s wife, Cherelle, told CNN last week that she wants US officials to do whatever they need to do to bring the basketball legend home – and she needs to see them Do more.

In the only interview she gave on the eve of his wife’s trial in Russia, Cherelle Griner sat in Phoenix Mercury’s locker room and called for more action.

“It’s really, really difficult. This is not a situation where rhetoric matches action,” she said. “I unfortunately have to push people to make sure the things they say to me are also consistent with their actions, and so that’s been the hardest thing to balance because I can’t let go. It’s been over 130 days and BG still hasn’t returned.

The US House of Representatives last month passed a bipartisan resolution calling on the Russian government to immediately release the WNBA star.

“Not a day goes by that we don’t think of Brittney and work to bring her home,” Democratic Representative Greg Stanton of Arizona, who sponsored the resolution, said in a statement. “We will continue to press for her release and ensure she is not forgotten.”

Stanton previously served as mayor of Phoenix, where Griner plays for the WNBA’s Phoenix Mercury.

Stanton introduced the resolution in May with Democratic Representatives Sheila Jackson Lee and Colin Allred of Texas, Griner’s home state.

“I am grateful for this overwhelming show of support from Congress. We must do everything we can to keep Brittney’s case front and center and finally end this nightmare,” Cherelle Griner said in a statement at the time.

Phoenix Mercury first-year head coach Vanessa Nygaard reacted to Griner’s letter Monday at a press conference in Los Angeles ahead of her team’s game against the Sparks.

“It brought me to tears, you know, just hearing her words about her father being a Vietnam veteran, her new perspective on freedom, her desire to be with her family and her teammates, she doesn’t know if she will ever be free again. On our day of freedom to hear these words from someone so loved… It’s great, and it’s great that she was able to bring this message to us and I hope that some people are paying attention to it and of course the Biden administration and our State Department putting this at the forefront of their messaging would be amazing for us,” Nygaard said.

The Mercury announced last week that a special public rally in support of Griner will be held Wednesday at the Footprint Center in Phoenix. The event is being organized in coordination with the Stanton office, and Cherelle Griner will be a guest speaker.

CORRECTION: An earlier version of this story misspelled Brittney Griner’s first name.

This story was updated with a response from the White House on Tuesday.

Family Literacy Software | Launch of the prison transition learning education program

The company’s recently launched Family Learning Software Platform enables prison systems to tailor their literacy and education programs to the real needs of juvenile and adult inmates.

More information can be found at https://www.familylearningcompany.com

The Family Learning Company, which was founded by Jon Bower and Peter Dublin, Ed.D., now provides the tools needed to increase prison literacy rates and reduce recidivism. With more than half of adult inmates in US prisons unable to read above a fourth-grade level, this platform can help correctional facilities focus on developing basic literacy skills. reading before moving on to HSE level material.

Whether or not they are ready to find work, more than 95% of the million and a half people held in American prisons will be released at some point. However, the majority of offenders have a low level of education – between 35 and 40% of state prison inmates do not have a high school diploma. This has a direct impact on offenders’ ability to find meaningful employment. One study showed that participation in prison education, including academic and vocational programs, was associated with a more than 40% reduction in recidivism.

The Family Learning Company’s software platform offers thousands of learning activities to share and master. The open, collaborative model works for inmates as well as families, allowing inmates to collaborate in discussion and assignment groups.

Additional details are available at https://www.familylearningcompany.com/prison-education

Additionally, it allows prison authorities and group supervisors to see a report summarizing student progress. These organizational reviews track both usage and proficiency.

Software developed by The Family Learning Company can be used anytime, anywhere, and provides instructional videos and thousands of learning activities to share and master.

John Bower and Peter Dublin, both specialists in language learning and program development, have worked together on and off since 2005. Mr. Bower, the CEO, was previously CEO of Lexia Learning Systems and holds a MBA from Stanford. Dr. Dublin has been developing educational software for over thirty-five years and is the author of over twenty textbooks and hundreds of software titles, including fifteen apps on the Apple App Store.

“Literacy is directly linked to a person’s freedom – to find a job, learn new ideas and secure a place in society,” a company spokesperson said. “What we have developed can allow inmates to communicate better and have more control over their lives.”

Interested parties can see more at https://www.youtube.com/channel/UCbwLvj99KluPtUpF_Jcb1cQ

Contact information:
Name: Peter Dublin
Email: Send email
Organization: The Family Learning Company
Address: 24 Chilton Street, Cambridge, MA 02138, USA
Website: https://www.familylearningcompany.com

Build ID: 89073857

If you detect any problems, problems or errors in the content of this press release, please contact [email protected] to let us know. We will respond and rectify the situation within the next 8 hours.

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Australian Dollar Trends to Persist in Q3 2022: Better Trading Opportunities

AUD/USD appeared to be on track to test the yearly low (0.6829) after failing to break above the 50-week SMA (0.7243), but the exchange rate could consolidate in the near term as long that it is defending the June low (0.6850).

AUD/USD/Short Weekly Chart Pending: AUD/USD

Source: Trading View

As a result, AUD/USD could face range-bound conditions as the Reserve Bank of Australia (RBA) seeks to further normalize its monetary policy over the coming months. The exchange rate may attempt to retrace the decline from the June high (0.7283) as Governor Philip Lowe and Co. is “committed to doing what is necessary to ensure inflation in Australia returns to normal.” ‘goal over time’.

However, AUD/USD may finally follow the negative slope of the 50-week SMA (0.7243) as the Federal Reserve approves a restrictive policy. The exchange rate could continue to make 2020 ahead, with Chairman Jerome Powell & Co. predicting a steeper trajectory for the federal funds rate.

AUD/USD could consolidate in the short term as it defends the June low (0.6850), but the exchange rate could hit new yearly lows in the second half of 2022 as the FOMC is on the right track. way to propose a series of rate hikes of 75 basis points over the coming months.

AUD/JPY/Long Pending Weekly Chart: AUD/JPY

Australian Dollar Trends to Persist in Q3 2022: Better Trading Opportunities

Source: Trading View

AUD/JPY is consolidating after trading at a new yearly high (96.88) in June, and the exchange rate may continue to appreciate in the second half of 2022 as the Bank of Japan (BoJ) sticks to the quantitative and qualitative easing program with controlling yield curve.

As a result, AUD/JPY may stage renewed attempts to test the May 2015 high (97.30) as the Reserve Bank of Australia (RBA) normalizes its monetary policy. A move above 70 in the Relative Strength Index (RSI) will likely be accompanied by a rise in the exchange rate, similar to the price action seen earlier this year.

However, the AUD/JPY may face a bigger correction if the RSI diverges with the price and fails to break into the overbought territory. Failure to defend the June low (91.97) could push the exchange rate down to the May low (87.30) as bullish momentum wanes.

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Spots on pluot fruit probably nutritional problem

Q: I purchased a Flavor Supreme bare root tree from the Horse Drive University Orchard in North Las Vegas six years ago. The pluots are hearty and taste good. I spray the tree with horticultural oil in January, apply iron EDDHA around the tree in early spring and add a shovelful of homemade compost made from organic vegetable scraps, garden and coffee grounds. The problem I had this year is that some fruits had black spots on them and some also have black spots inside the fruit. The leaves of the tree look fine except for some wind damage which is expected. I’ve looked online and the closest problem I can find is bacterial spot, but I’d appreciate your expert opinion.

A: I doubt it’s a disease problem. When I grow fruit trees in the desert, I can count disease problems with less than five fingers. Thanks to our low desert humidity for that.

Flavor Supreme Pluot is an incredibly good variety, and it produced fruit about three out of five years when I had it at the North Las Vegas University Orchard. It’s not a big producer, which is probably why it was never released. I agree that the fruit can be spectacular, but this particular variety can still be a light producer.

I had never had black spots on fruit before. This may be due to the sun (sunburn on the fruit) or, more likely, a nutritional issue. Sometimes a lack of calcium can cause nutritional problems that affect fruit quality and look similar on apples (bitter pit) and pears (corky spot) growing in calcium-rich western soils.

I know it sounds strange, but calcium is extracted quite heavily by certain fruit trees in our calcium-rich soils. Try an application of compost other than the one you produce around the tree. Many composts are also low in potassium, but often high in nitrogen and phosphorus.

Try applying a granular fertilizer to irrigated areas under the tree rich in calcium, magnesium, sulfur and potassium early next spring. If that doesn’t work, you may need to send a soil sample for analysis to a certified agricultural soil testing lab (such as A and L in Modesto, CA) or do it yourself, but look specifically nutrient levels. It’s probably not a pH (alkalinity) problem.

If it turns out to be a calcium deficiency, let me know and I can tell you that we have fixed this problem. It may be necessary to spray the leaves.

Q: The nursery told me that the two ornamental trees I purchased were male Chinese pistachios, so no berries. They were incorrect. This $1,000 tree turned out to be a female tree. It produced berries and I’m stuck with that. So I cut off all the smaller branches that had berries completely at the level of the larger branch. Now all the leaves are wilting and some have brown and yellow spots. Another Chinese pistachio planted within 10 feet of this tree, which I did not prune, is no problem. I was wondering if I was spreading a disease like verticillium wilt with the pruner.

A: Some trees only have male trees and female trees. This is how the sexes are separated in these trees. All types of pistachios are either male or female trees, similar to ash, African sumac, and mulberry.

Verticillium wilt can be spread with dirty pruning shears, but this disease is usually born in the soil. I guess if you dropped your pruner/lopper/saw on infested ground you could pick it up and infect the tree, but I think that’s overkill.

I prune established pistachio trees (nut trees) without any disease issues. I’ve done this several times, and pruners and hand pruners weren’t sanitized before pruning cuts. I don’t see this disease problem happening with this tree by pruning.

I would rather suspect sunburn on young limbs followed by borer problems in early to mid summer. When the pistachio is young, it is more of a ruffled, open tree that fills out later.

If there are signs of borer problems (bark loosening, sun damage to upper sides of limbs, open western or southern exposures to the sun), apply anti-borer insecticides (these contain imidacloprid in the active ingredients) by soil soaking. around the base of the tree and see if the tree recovers over the next two years.

Q: I have a row of waxleaf privet that I am trying to irrigate. I used to use wood chips around these plants, but I was afraid of smothering them. Currently I use two 4 gallon per hour drip emitters watering for an hour once a week. The tops are starting to wither and I wonder if it’s a watering problem.

A: Keep woodchips and woodchip mulch away from the trunk 6-12 inches and no daily watering. Leave this area bare and open to dry out the soil and mulch. The particular disease you fear will smother your plants is called crown rot or one of the so-called soil-borne diseases like Phytophthora.

Phytophthora crown rot or soil root rot will appear on many plants if soils are kept too moist. The heat only makes the problem worse.

If you water your plants daily, the top layer of woodchip mulch may not be a great choice for your plants. Whenever possible, try to avoid daily waterings (with the exception of lawns, annuals, or raised beds) when woodchip mulch is used, as it holds the woodchip mulch on the surface and the ground below too moist. In some cases, daily sips of water can keep the soil too dry with difficulty managing irrigation.

Q: We have four fruit trees (one orange, one lime, and two types of lemon) in Sun City Summerlin. Shortly after they flower and start producing small fruits, the fruit falls from the tree. We don’t know if this is the result of high winds, too much water or not enough water. Or maybe something else? We also fertilize regularly if that matters.

A: Fruit trees need fertilizer once or twice a year, that’s it – once as a half application when they start producing new growth and a second half application after harvest. The fertilizer is applied to the soil where the water is applied. If you only fertilize once, one full application in early spring to the soil is sufficient.

All fruit trees produce more fruit as they age. Some fruit trees do not start fruiting after 6 to 8 years of age, while others produce fruit sooner. Expect your fruit trees to produce more fruit as they grow and age. Much of the timing of fruit production depends on the variety of the type of fruit tree.

Fruit drop when young is quite common in all types of citrus fruits. When the trees are young, you see flowers with tiny fruits, and then the fruits fall from the tree. This is a natural thinning that occurs on young trees and is normal. It helps the tree balance the demands of a fruit load.

Fruit drop can occur for many different reasons: lack of pollination, too much fruit on the tree, too little or too much water, extremely high nitrogen fertilizer applications to name a few.

What is not normal is for fruit to fall from larger, more mature trees when the tree has produced an abundance of fruit in previous years.

Q: Last year my roses were prolific and I had no problems. They were already there when I moved in two years ago and seemed to be thriving. I spray them regularly with Neem oil and Spinosad soap according to the instructions. This year, however, I’ve had myriad problems and reached the point where I don’t know what to do. Do you have any suggestions for curing my plants?

A: Roses are excellent mesic shrubs for our area and perform very well. Our desert climate reduces disease problems on roses but not necessarily insect problems. Insect problems I have seen on roses here include aphids and ants, cane borer, flower thrips and a few others.

Many of these insect problems require a harsh pesticide applied to the soil. You can try a spring application of a Rose insecticide that you can find at any store or nursery. Some come combined with a rose fertilizer. Most of them are systemic without the need to reapply for several months or not at all.

Bob Morris is a horticulture expert and professor emeritus at the University of Nevada, Las Vegas. Visit his blog at xtremehorticulture.blogspot.com. Send your questions to [email protected]

Throwback to July 2

100 years ago: 1922

If you’re a boy living in Lewiston-Auburn, between the ages of 10 and 13, and can’t swim, here’s your chance. On Wednesday and Friday mornings, swimming lessons will be organized for any boy interested enough to register before Wednesday. There are no conditions to this offer. This means any boy within the specified ages and he does not need any connection with the YMCA or any other body with no admission charge of any kind. Instruction will be given by the physical director and parents are assured that full supervision of the boys will continue throughout instruction.

50 years ago: 1972

The new K-Mart mall is nearing completion on its Center Street site. The exterior works are almost complete and the car park is fully covered. The complex includes an 84,000 square foot K-Mart, adjoining a 20,922 square foot food market. There will be space to park over 600 cars on the 31-acre site.

25 years ago: 1997

About 150 young people in this small community in the Mount Vernon area are growing food for the needy as part of a residents’ initiative to provide innovative work options for young people. Half a dozen people recently worked on setting up a garden at Woods End Farm on Old Rome Road to produce vegetables for the First Baptist Church food bank. The sun was hot and black flies were swarming, but the teenagers looked happy, talking as they tilled the ground. It is a learning experience. “Otherwise I would just be watching TV right now and it pays off well. It at least pays the bills,” said John Willard, 15. Kryne Thibeau, 15, also said he loves the work. The garden is one of many community-related projects, sponsored by Alive and Well, a group of about 10 residents led by Terri Bourke.Resident Pat Jones said they came together because the town was struggling with youth crime and that they wanted to take a positive approach to working with young people. Everyone brainstormed with ideas, Jones said of the process that led to Alive and Well. Initiatives include starting a thriving new group of outdoor explorers, a radio station and a community center project.A cafe is planned soon.

The material used in Looking Back is produced exactly as it originally appeared, although spelling mistakes and errors may be corrected.

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50-year home loans would get higher on the scale but come with risks | Mortgages

A 50-year home loan may seem depressing to some, but maybe not if the alternative is never being able to buy a property. Long-term fixed-rate mortgages are an emerging financial product that should in theory enable first-time buyers whose price is currently off the market to move up the housing ladder.

By spreading the repayments over a longer period – the average mortgage contracted this year is 29 years – buyers should be able to borrow up to eight times their income, rather than the current average of 3.2 times, estimate potential suppliers. The loans would be secured by borrowing from pension funds and insurance companies rather than less stable consumer deposits, to meet the Bank of England’s prudential requirements.

A long-term fixed rate mortgage could allow a household with an annual income of £50,000 to borrow £400,000 instead of around £150,000, and so unlock the bond that many tenants find themselves in where they cannot get a mortgage on the property they live in despite paying less than rent.

It is an attempt to solve a serious problem. Last year, full-time employees in England could generally expect to spend around 9.1 times their annual earnings in the workplace to buy a house; an increase from 7.9 times earnings in 2020, according to the Office for National Statistics.

Perenna, a new company awaiting licensing, plans to offer long-term loans. Its co-founder, Colin Bell, said: “Long term fixed rate loans are really appealing to first-time buyers. One of the reasons they can’t get on the ladder is that they don’t meet the affordability criteria that rightly have to factor in interest rate hikes. They can get a mortgage, but it’s a small loan.

He said that as it stands, lenders can only make 15% of their loans at a loan-to-income ratio above 4.5. The Bank of England is expected to increase this amount for long-term fixed rate mortgages to make this an option for more first-time buyers.

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Fifty-year mortgages and other long-term mortgages would be transferable to other properties and, unlike conventional mortgages, could be bequeathed with property after death, he said, although inheritance tax could be payable.

There are risks for consumers, said Nicholas Mendes, technical director of mortgages at John Charcol, a mortgage broker. “The longer term fixed rate could be more expensive during the fixed rate period,” he said.

UK Finance, the trade body for the banking and finance industry, said the benefits included lower monthly payments and certainty of interest due. Disadvantages included paying more long-term interest and building up equity more slowly, and the term of the mortgage being likely to run into a customer’s retirement. He also said breakage fees could be higher.

Some worry that initiatives such as long-term fixed-rate mortgages could be undermined by a lack of political will to accelerate housing construction, which could do more to solve the affordability crisis. Around 340,000 new homes are needed each year in England, according to one estimate, compared to 216,000 built in 2019-20, the last year for which full figures are available.

“The government appears to be backing away from its commitment to build more homes,” said Paula Higgins, chief executive of the Homeowners Alliance. “They’re looking to stimulate demand through things like extending the right to buy [to affordable housing tenants]. But the reality is that average incomes and average house prices are slipping away and we won’t be able to follow in the footsteps of our parents, when teachers and doctors were able to buy their own homes.

The impact of falling homeownership rates has been socially significant. If the homeownership rate returned to the level of the early 2000s, 1.4 million additional families would now own their homes. The political price for a government that can restore this balance is considerable, but achieving it when house prices are increasing by 10.5% per year remains extremely difficult.

Trading volume is down – and these stocks are hurting

As financial markets weakened in 2022, trading volumes fell across all asset classes, according to a new report from Bank of America analyst Craig Siegenthaler.

Siegenthaler said on Friday that these declining volumes are weighing on stock markets, such as CME Group Inc. CME, Intercontinental Exchange Inc ICE, Nasdaq Inc. NDAQ, Cboe Global Markets Inc. CBOE and Tradeweb Markets Inc TW.

Numbers: Siegenthaler said trading had a near-perfect storm in the first quarter of 2022, thanks in part to the stock market correction, the Russian-Ukrainian conflict and rapidly rising interest rate expectations, all of which have increases the volume of transactions. In the second quarter, trading volumes fell to a more historically normalized level.

Related Link: SEC Chairman Gensler Proposes ‘Open and Transparent Auction’ as Alternative to Controversial Order Flow Payment

“This has prompted our slightly more cautious stance on equity stocks, as the peak ‘risk’ moment has already passed while we are positive on NDAQ and TW, which we see as having stronger built-in organic growth drivers,” Siegenthaler said.

Bank of America reported that total cash U.S. equity trading volume was down 2% in the second quarter and total individual stock option volume was down 8%. Equity futures volume, interest rate volumes, energy volumes, and agricultural products and metals volumes are also all down on a quarterly basis in the second quarter.

Related Link: SEC Chairman Gensler Says Crypto Exchanges Are “Operating Outside the Law”: What You Need to Know

How to play it: Siegenthaler said CME futures volumes were down 11% in the second quarter, while ICE futures volumes were down 13%. He said the 2% drop in Nasdaq cash stock volumes in the second quarter was supported by strong trading activity during the rebalancing of the FTSE Russell indices in June.

Here is a breakdown of Bank of America’s rating and price targets for the exchange stocks mentioned:

  • CME Group: Underperformance rating, $200 target.
  • Intercontinental exchange: Neutral odds, target $134.
  • Nasdaq: Buy rating, target $250.
  • Business website: Target purchase of $102.

Benzinga’s opinion: In addition to market unpredictability, exchanges also face regulatory unpredictability. SEC Chairman Gary Gensler recently outlined potential new requirements for brokers to submit retail investor orders to a new auction process whereby firms will bid against each other to fill them.

Photo: katjen via Shutterstock

Letter: Transformation Summit speaker clarifies her point of view


It was a real honor to participate in the Modern Healthcare Transformation Summit as a keynote speaker. You had a great list of industry leaders committed to improving care, and it was rewarding to share ideas on how to accelerate lasting change.

While reading the June 7, 2022 print and online report on the event, I noticed that some of my remarks may have been inadvertently taken out of context. For example, in response to a question at the end of my talk, I shared with the audience that I believe healthcare organizations like healthcare systems have a huge advantage in that they have spent decades investing in building trust with their patients and communities. Trust between clinicians, doctors, nurses and pharmacists, on the one hand, and patients, consumers and members, on the other, is paramount to transforming healthcare.

The story reported that I said “patients generally trust [health systems]”, which I didn’t say. Many do; some don’t; but what I meant was not whether they do or not, but that health care holders like healthcare systems shouldn’t be obsessed with what new entrants can do to ‘disrupt’ them. On the contrary, they should leverage their leading position and experience – and partner with others like companies technologies – to expand and deepen their understanding, support and trust of patients and consumers to better serve them and their communities in the future.

Likewise, I appreciate your correcting a direct quote in your online version, and respectfully request that you post the same correction in your print version.

Thank you for the extremely important role you play as a leading publication in the health sector. I have always appreciated the leadership, relationship and support that Modern Healthcare has given me and so many others.

Phoebe Yang

Managing Director, Amazon Web Services, Healthcare

Google to pay $90 million in settlement with app developers


In this file photo taken February 14, 2020 (FILES) In this file photo illustration shows the Google logo of the American multinational Internet-related technology and services company in Brussels. (Photo: AFP)

NEW YORK, United States (AFP) — Google will fund a $90 million settlement for small app developers who accused the tech giant of abusing its market position, according to statements seen by the AFP on Friday.

The funds are expected to result in payments of US$200,000 or more to some of the 48,000 developers in a class action lawsuit, according to plaintiffs’ attorney Hagens Berman.

The case centered on accusations that Google violated antitrust laws with its Google Play app store, alleging the tech giant maintained a monopoly in the US market on its Android smartphone system that penalized developers.

The settlement will cover developers whose annual revenue on Google Play is US$2 million or less between 2016 and 2021.

Additionally, Google agreed to allow developers to pay a 15% service fee on the first US$1 million in annual revenue, down from the previous 30%.

Other measures will promote applications from independent developers and facilitate the use of these alternatives within the Android ecosystem.

Wilson White, Google’s vice president for government affairs, said he was happy with the deal.

“As the agreement notes, we remain confident in our case and our case, but this settlement will avoid prolonged and unnecessary litigation with developers, whom we consider essential partners in the Android ecosystem,” White said.

Hagens Berman, who won a $100 million settlement from Apple in 2020 in a similar case, hailed the deal as an example of accountability from Big Tech.

“Today, nearly 48,000 hard-working app developers receive the fair payment they deserve for their work, which Google has sought to capitalize on, at all costs,” said Steve Berman, co-founder of the company.

Construction loans: risks when the construction sector is in difficulty | Denton

The current state of the construction industry

The global construction industry is going through a period of considerable uncertainty, largely due to the COVID-19 pandemic and its by-products, and more recently the effects of the war in Ukraine.

Since 2020, global construction output has fallen 3.1% (compared to 3.0% growth in 2019).

Supply chains are in crisis, with builders and developers finding it increasingly difficult to source basic materials from domestic and international locations. This drives up the price of materials, as demand quickly outstrips supply.

This issue is compounded by labor shortages, self-isolation requirements, and lack of temporary migration limiting the ability of projects to proceed on schedule.

As a result, construction companies are finding it increasingly difficult to maintain positive cash flow, and a number of Australian construction companies have collapsed.

How does this affect lenders?

These challenges affect both the commercial and residential construction industry and can pose significant risks to the enforcement and collection of loans and security.

It is important that lenders are aware of the risks associated with construction loans and how to mitigate them, as the current pressures on the construction industry are expected to worsen.

How can lenders mitigate the risks associated with construction loans?

1. Pre-approvals

Lenders should verify projected construction costs to ensure that borrowers will be able to meet their contractual obligations, taking into account any additional increases in material and labor costs.

Documents can be collected from borrowers and other parties involved in the project to help lenders assess a project’s viability/risks of non-completion.

Documents lenders may collect prior to approval include:

  • a copy of any relevant permits, including plans and specifications approved by the competent authority;
  • a copy of the construction contract, including all variations and the progress payment schedule;
  • owners warranty insurance (if applicable);
  • the manufacturer’s “all risks” insurance policy and the exchange certificate for this policy; and
  • a copy of the survey report completed by a licensed land surveyor.

2. Progressive withdrawals

Most lenders opt for a graduated drawdown structure to give them greater control in allocating funds and ensuring they are used for construction.

For greater certainty, lenders may require payments to be made directly to third parties such as builders, and loan agreements may require borrowers to provide a valid building insurance policy (with the lender listed as the interested party) before the final progress payment is made.

Lenders may wish to physically inspect job sites to confirm that work specified in outstanding claims has been completed.

A lack of drawdown by borrowers can be a red flag that a project has stalled. Lenders should proactively record and monitor the frequency of drawdowns to help identify projects facing challenges.

3. Comply with the terms of the loan agreement

Construction loan agreements generally confer a number of rights on the lenders, which can be exercised during the term of the loan, in order to mitigate the risks of the loan.

For example, if the loan agreement stipulates that construction must be started and/or completed within a certain timeframe, the lender should verify that these conditions are met and consider its options if this is not the case (which may include, for example, the right to refuse further advances, or to call default and call loan).

Compliance with these types of conditions (and other construction loan conditions) is also important as some lenders will set strict deadlines for construction loans to be eligible for funding.

It is important to be aware of the serious consequences that can arise if borrowers do not meet deadlines imposed by third parties to begin and complete construction, for example:

  • by governments under the granting of a leasehold title – where the lease can be terminated, thereby voiding the lender’s guarantee; Where
  • by developers under land contracts – where “buy-out” provisions can be applied, obliging the borrower to transfer ownership back to the developer.

Generally, lenders have the right to inspect construction sites to ensure that construction is proceeding satisfactorily. While lenders have traditionally not committed resources to enforce this right, lenders may wish to carry out on-site inspections in certain cases – for example, where lenders have reason to believe that borrowers have breached their obligations. under the loan agreement.

4. Adjustment of evaluation measures

Now is the time to review and adjust property valuation metrics to ensure they account for rising material costs and labor shortages in the marketplace.

Next steps

Lenders should take proactive steps to manage their construction loan portfolios during these uncertain times. Given the current climate, it has never been more vital to ensure that construction projects are funded appropriately and executed on time.

Therefore, now is the time for lenders to review their portfolios to flag any accounts of concern and consider possible solutions, and also to determine whether it is appropriate to modify their credit policies for new construction facilities. .

When lenders are going to act on construction loans it is important that proper notice is given to customers and in some cases notice may in fact be mandated by the loan agreement.

Two CEOs Say They Didn’t Sign Abortion Rights Letter – Indianapolis Business Journal


Two local business leaders say they did not allow their names to be used on a letter asking Gov. Eric Holcomb to work to protect the reproductive rights of Indiana women as lawmakers prepare to consider restrictions on abortion at the request of the governor.

The letter, which had been circulating among some tech CEOs, was originally published Thursday by The Indianapolis Star with a list of more than 60 signatories. However, some of those business leaders told IBJ that they did not sign the document.

Bill Oesterle, who was on the list of signatories, told IBJ that he had not seen the letter before it was published by The Star and had not agreed to put his name on it.

“I never, ever allowed it,” said Oesterle, a prominent Republican and co-founder of Angie’s List and MakeMyMove. “It is the height of irresponsibility that I have been attached to this.”

Ting Gootee, president and CEO of Indianapolis-based TechPoint, was also added to the letter without being given the opportunity to review its content, the group’s spokeswoman said.

“It is unfortunate that the letter was released prematurely and before Ting could provide a response as to whether she supports its content,” Cheryl Reed, media relations manager for Techpoint, said in an email to IBJ. “Certainly, TechPoint sees negative implications for the state’s ability to attract and retain talent if further restrictions are placed on reproductive rights. We also believe that issues of health care equity would come into play. That said, we will not have made an official statement yet.

IndyStar has since removed the letter from its website and posted a correction above the story that says the original report “misstated seven people as signatories to the letter calling for reproductive rights.” IBJ was unable to independently determine precisely how many business leaders signed the letter.

“Once we realized the error, we fixed it – and the fix is ​​at the top of the story,” IndyStar editor Bro Krift told IBJ.

John Gilman, founder of Clear Software, who signed the letter and also helped distribute it to business leaders, said a draft of the letter was shared with IndyStar before all signatories had heard the opportunity to examine it.

“A project was shared with them that was premature,” Gilman said. “Obviously these people didn’t approve the document. They did not have the opportunity to do so, and for that, we are sorry for any frustration that may have been caused to them.

Holcomb, a Republican, called on the GOP-dominated legislature to further restrict abortions in Indiana following the U.S. Supreme Court’s decision overturning Roe v. Wade. Holcomb has called for legislative action in a special session due to begin in earnest on July 25.

The draft letter signed by some business leaders urges the governor “not to go down that road.”

The draft says new restrictions on abortion would discourage businesses committed to building an inclusive workforce from locating in Indiana and make it difficult to retain and attract workers.

“Women business owners, executives and aspiring leaders have already begun making plans to leave the state,” the project says. “In an age of remote work, talented people have many options for where they choose to live. Indiana cannot afford discriminatory public policy that could deter these people from choosing our state.

Thursday Letters: Has the council gone mad with the idea of ​​mosquito control?


Content of the article

I don’t mean to be rude, but is what I’ve read and heard about our council’s ‘bat patrol’ to solve our mosquito problem true? I have to conclude that even the big fronts on our board aren’t that timid. Where are they? The only thing they haven’t added is raising taxes to pay the bats to implement this mad madness.

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Content of the article

What are they competing for, the prize for the most successful city council idea ever given? Well, at least in this regard, success. I checked with Las Vegas and chances are they win by a landslide. I have been disappointed with our advice in the past, but this is the best they have ever been. My suggestion is that we fire them all and hire the next 10 or so taxpayers who walk past a random pothole to do the job. There is a good chance that the board’s overall judgment will be significantly improved.

I am 81 years old and when I see such decisions, I worry about the future of the city I love.

Gordon McLeod, Edmonton

Councilor needs a property tax lesson

The annoying and inane antics of some council members really hit a low point with Coun. Michael Janz’s recent suggestion of how the rich should pay more. Mr. Janz’s musing that those with homes above a certain value should pay more taxes is just another lazy musing from a council that refuses to acknowledge that it doesn’t have a income problem, but rather a problem of expenditure.

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Content of the article

Mr. Janz and like-minded councilors need corrective instructions on municipal taxes. If my neighbor has a house valued at twice mine, then my neighbor pays double the amount of municipal tax, in exchange for no additional service. Thus, those who have more expensive housing are already effectively paying a progressive tax.

Mr. Janz’s utter ignorance of this reality is staggering and as such I strongly recommend that he do some serious homework before embarking on solving the city’s dismal fiscal management by suggesting new taxation. unfair to its citizens.

Steve Rose, Edmonton

Residence tax would scare away investment

So Con. Michael Janz decided he was unhappy with the Edmontonians’ success. He would like to raise property taxes paid by wealthy people whose homes are worth more than $1 million, though he is apparently flexible on the amount; perhaps the value of the properties at more than two million dollars will be enough to solve his budgetary problems.

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Content of the article

His left-wing spirit believes hard-working, successful people should pay more than his la-la-land NDP buddies. In fact, Mr. Janz chose to obfuscate the issue by saying that dwellers in “mansions” pay the same price as dwellers in average houses. It’s not true. Owners of homes over $1 million pay massively more property tax; it is the rate of the thousandth which is the same. Nice try, comrade.

Mr. Janz doesn’t seem to grasp the benefits that “successful” people bring. Past councils spent a lot of time, effort and money attracting successful people and the businesses that go with them. An obvious result of Mr. Janz’s left-wing initiative will be that successful people will leave, and not just for the surrounding region. Most likely for more attractive locations, with better weather and friendlier governments. Alberta has already experienced a corporate exodus as a result of federal Liberal government initiatives.

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Mr. Janz should limit his future brainwaves to mosquitoes and other pests, which he knows best.

Will Paul, Edmonton

Wealthy homeowners already pay more taxes

On Global News (June 26), I watched Councilman Michael Janz of Ward papastew try to articulate his “mansion tax” proposal for Edmonton. He spoke of people with $300,000 properties and $3,000,000 properties paying the same “amount” of property tax for municipal services. It’s disheartening that someone who was once a member of our city’s school board, and is now in charge of the city’s budget, seems to confuse the amount of property taxes (which varies by assessed value) with the tax rate (which is the same for all residential properties). Those who own the $3,000,000 properties targeted by Janz already pay the city 10 times the amount of taxes as those who own $300,000 properties, but are entitled to similar city services per household.

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Mr. Janz may be right. Paying 10 times more for the same services is not fair. We already have a system where everyone pays progressively more tax for the same services as the value of their property increases, and they are not subject to the whims of a councilor as to what constitutes a mansion.

AW Shostak, Edmonton

Google needs an update on football Elks

I asked my Google Home device when “when are the Elks playing?” The response was “the next Edmonton Eskimos game is…”. I thought this might be good news for your article to follow and perhaps facilitate a correction. I sent a note to the Elks a few weeks ago, but they haven’t responded. I guess the Google Home answers are the same for everyone in the world, not just my device which has the Eskimos answer.

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Content of the article

Wayne Anderson, Edmonton

Revenue goods passing through Alberta

A good addition to Danielle Smith’s Alberta Sovereignty Act would be the introduction of a transit tax. This would mean that any good or product produced or destined for a destination in Alberta would be exempt from tax. But any good or product simply passing through Alberta would be subject to a transit tax, determined by the bill of lading. So something from Vancouver to Red Deer would be tax free, but if that good was going to Toronto, there would be a transit tax.

Same goes for anything going east to the Pacific – trucks, cars, farm machinery for sale in Calgary would be tax free, but if they’re going to Vancouver and exporting, there’s a tax of transit. This tax would not only be more than profitable, but would be a clear sign of sovereignty.

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Les Thompsons, Edmonton

News about former NDP MP is underrated

Re. “Edmonton MP says he hopes to run for NDP again”, June 17

Now facing charges of unlawfully attempting to access private information contained on Alberta Health’s website, the title of Friday’s Edmonton Journal article was so small it could easily have been missed. . One wonders if the story was about a UCP member, the headline would be front page news and in large print.

MP Thorsell, Sherwood Park

The apathy of strangers perplexes the Good Samaritan

Where is the sympathy? While walking down a public staircase in Riverdale recently, I saw a man sitting hunched over the steps. After calling him several times to ask if he was okay, there was no response. Tentatively, I nudged his foot with my foot – again, no response. As he was bent over, I couldn’t see his face or even determine if he was breathing. Worried, I pulled out my cell phone and called 911. A few minutes later, a fire truck arrived and responders rushed to the scene. Fortunately, they resuscitated the man.

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While I was on the phone and being questioned about this man, there were two other walkers who passed us on the stairs without an offer of help or even a sideways glance. Maybe they both saw that I had things under control? Maybe they felt uncomfortable with the situation? Maybe they didn’t know how best to help? Perhaps they were completely unaware of the fate of this man?

Seeing someone in need can evoke many emotions and reactions. I hope we have not been completely blindsided by such events. Offering a helping hand is not a difficult thing to do and can make all the difference.

Rick Lauber, Edmonton

Letters welcome

We invite you to write letters to the editor. A maximum of 150 words is preferred. Letters should include a first and last name, or two initials and a last name, and include an address and daytime telephone number. All letters are subject to change. We do not publish letters addressed to others or sent to other publications. E-mail: [email protected]

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What tech stocks are being bought right now?


As we end another dismal month in the markets, investors won’t mind seeing June in the rear view mirror. Notably, the tech sector had a lackluster month, with the tech-heavy NASDAQ index eyeing a 7.5% decline in June to add to its already steep losses in 2022.

But if you’re looking for a silver lining to all this negativity, perhaps investors could take solace in the fact that the market’s hollowing out in the tech sector has made some names much more attractive.

Which ones, though? Portfolio manager Jack Janasiewicz says if you’re buying, avoid companies with no profits and stick with the big tech names that are making profits on a quarterly basis, as these are the ones that are likely to outperform in tough economic times. .

“When you’re talking about technology, I think you have to break it down into different groups in terms of what we would consider concept capital and non-profit technology and obviously it’s going to be harder to bounce back here,” Janasiewicz said. , senior portfolio strategist at Natixis Investment Managers Solutions, speaking on BNN Bloomberg on Wednesday.

“But you still have a lot of these large-cap tech names that are still going to grow [and] that’s where you get a lot of those big margins,” he said. “And so when we look to the next two quarters – and margin pressure will certainly be one of the biggest issues there – the one place that still has a lot of resilience will still be one of those tech names. large cap.

“After having this multiple compression in this space, maybe this becomes the new defensive segment for the second half of the year that gives you a bit of an edge on this growth story,” Janasiewicz said.

The tech pullback has certainly been both broad-based and yet lopsided, as the market continues to further punish small-cap stocks. In Canada, the gap is evident in the contrast between the S&P/TSX Composite Index, which is down about 10% year-to-date and buoyed by strong performance in the energy sector, and the S&P/TSX Composite Growth Index, which is made up of smaller, younger companies whose positive earnings are sometimes still years away. Year-to-date, the Venture Composite is down more than 33%.

As for Canadian tech, the story is depressing, as names like Shopify, Nuvei and Lightspeed Commerce have all suffered huge losses. Shopify, for example, was once the darling of the Canadian investment scene and for some time had the largest market capitalization among publicly traded Canadian stocks, beating the perennial top dog Royal Bank. Today, after losing around 80% of its value in the past seven months, the race isn’t even tight: RY sits with a market capitalization of $175 billion while SHOP is down to around $57 billion. of dollars.

That’s not to say that some of the tech struggles of the past half year aren’t due, as the industry has reaped huge rewards over the course of 2020 and 2021 as investors have turned to tech as a user-friendly game for COVID. And market rotations this year into safer and more defensive spaces have also been reasonable given the economic uncertainties surrounding events such as the war in Ukraine, rising inflation and the continued fallout from COVID.

Nevertheless, even if economic growth slows – as was not only predicted but encouraged by central bank actions to control inflation – Janasiewicz thinks the major crisis in the first half of 2022 has already factored in much of this economic damage, which means there is likely an upside from where we are now. On that line, Janasiewicz says his company has started moving away from commodity exposure and into the tech space.

“I think when you look at what’s already reduced and we start thinking about the top down stuff and your traditional garden variety recessions, you get a 25% correction in the market. So we have already discounted this kind of banal recession. »

“What we’re hearing a lot about now is that earnings estimates need to be revised down. The thing here, though, I think is maybe the market itself has already discounted those expectations. earnings and so maybe that’s the little problem here,” he said. “Yeah, analysts still probably have to lower some of those estimates, but the market really isn’t those analysts and the market has already done some of that.”

As for the technology, Janasiewicz said: “It was beaten [but] I don’t think this centuries-old growth story is going to go away. Valuations at these levels are significantly cheaper than what we saw at the start of the year. »

Monero Price Analysis: XMR Trading Below The Down Sloping Line, What Is The Bullish Plan?

  • Monero’s price is currently falling below a downward sloping line on the daily chart.
  • The crypto asset fell below the daily moving average of 20, 50, 100 and 200 days.
  • The XMR/BTC pair is at 0.006279 BTC with an intraday gain of 1.37%.

Monero price is trading with downtrend momentum on the daily chart. The token is trying to gather support from the bulls as it falls below a downward sloping line on the chart. However, the change in volume is in favor of the bears and the bulls should try to build up to hold the current level.

The XMR coin traded below a negative sloping line and the bulls repeatedly tried to hold but failed and were held instead. Monero needs to attract more buyers in order to avoid falling below the negative slope line on the daily price chart.

Monero’s price is currently CMP at $186 and has lost 4.32% of its market capitalization in the last 24 hours. Trading volume was down 15% during the intraday trading session. This shows that XMR is trapped by the bears and that XMR is currently facing short selling pressure. The volume to market capitalization ratio is 0.03349.

Monero’s price is trading below a negative sloping line on the daily chart. The token attempted to gain momentum from the uptrend on the daily chart, but the bulls failed to sustain and now XMR price is facing a correction. Meanwhile, the volume change can be seen below average and must grow exponentially to register the breakout of the XMR token.

The lower support is at $170 and the upper resistance is at $200.

Will XMR reach the $200 primary resistance level?

XMR coin price has been dropping with a steady downward trend on the daily price chart. The token tries to garner support from the bulls but fails to sustain and it continues to decline.

As soon as XMR gains support, investors can witness the token’s breakout against the downward sloping line. As a result, XMR may break above the $200 primary resistance level as soon as the XMR bulls manage to hold at the edge of a negative sloping line or the barrier.

Technical indicators suggest bearish momentum in the price of Monero. The Relative Strength Index highlights the downward trending momentum of the XMR coin as the token dips below neutral. At the moment, MACD also exhibits bearish momentum of the XMR coin.

The MACD line approaches the signal line for a negative crossover. Monero investors should wait for any direction change on the daily chart to conclude anything on the price of the Monero (XMR) coin.


Monero price is trading with downtrend momentum on the daily chart. The token is trying to gather support from the bulls as it falls below a downward sloping line on the chart. As soon as XMR gains support, investors can witness the token’s breakout against the downward sloping line. As a result, XMR may break above the $200 primary resistance level as soon as the XMR bulls manage to hold at the edge of a negative sloping line or the barrier.

Technical indicators suggest bearish momentum in the price of Monero. Monero investors should wait for any direction change on the daily chart to conclude anything on the price of the Monero (XMR) coin.

Technical levels

Support Levels: $170

Resistance Levels: $200


The views and opinions expressed by the author, or anyone named in this article, are for informational purposes only, and they do not constitute financial, investment or other advice. Investing in or trading crypto assets involves the risk of financial loss.

Comcast launches SiriusXM streaming app on Xfinity devices


Satellite radio is now on cable.

For the first time, Comcast is doing SiriusXMAudio content, including Howard Stern’s popular talk show, over 330 commercial-free music channels, podcasts, sports talk, comedy, news and more, is available to stream on Xfinity X1 platforms, Xfinity Flex and XClass TV from the cable giant.

More Variety

To access SiriusXM content on Comcast, customers must have a SiriusXM subscription. As part of the corporate pact, Comcast customers can take advantage of a free three-month subscription offer to SiriusXM service. The regular price for the SiriusXM Streaming Platinum plan is $10.99/month.

According to the companies, Comcast plans to expand support in the future to add access to SiriusXM’s Video Library, which offers more than 11,000 pieces of content, including interviews and clips from “The Howard Stern Show” and exclusive musical performances.

Comcast has already provided the SiriusXM-owned Pandora app in the Xfinity portfolio, along with other audio apps such as Spotify, Amazon Music, iHeartRadio and NPR One.

Comcast customers can access SiriusXM on X1, Flex or XClass TV by saying “SiriusXM” into their voice remote or finding it in the app section of each device. Existing SiriusXM customers can login with their credentials; they can switch between listening on Comcast devices and the SXM app on their mobile device, picking up where they left off on either platform.

Subscribers can also create their own personalized Pandora stations, based on their favorite artists, in the SXM app which uses Pandora’s personalization technology.

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Camden County woman admits fraudulently obtaining 30 loans to help small businesses during COVID-19 pandemic | USAO-NJ

CAMDEN, NJ – A Camden County, New Jersey resident today admitted to conspiring to fraudulently obtain 30 Paycheck Protection Program (PPP) and Economic Disaster Loan (EIDL) loans. totaling more than $3 million, and for laundering the proceeds, U.S. Attorney Philip R Seller’s Ad.

Rhonda Thomas, 38, of Sicklerville, New Jersey, pleaded guilty by videoconference before U.S. District Judge Karen M. Williams to an information charging her with one count of conspiracy to bank fraud and one count of money laundering. ‘silver.

According to documents filed in this case and statements made in court:

The CARES Act (Coronavirus Aid, Relief, and Economic Security) is a federal law enacted in March 2020 and was designed to provide emergency financial assistance to millions of Americans who are suffering from the economic effects caused by the COVID-19 pandemic. 19. One of the sources of relief provided by the CARES Act was the authorization of hundreds of billions of dollars in small business forgivable loans for job retention and certain other expenses, through the PPP. The CARES Act also authorized the Small Business Administration to provide an EIDL of up to $2 million to eligible small businesses that were experiencing significant financial disruption due to the COVID-19 pandemic.

To obtain a PPP or EIDL loan, an eligible small business had to submit an application and provide information about its operations, including the number of employees and expenses. In addition, companies generally had to provide supporting documents.

In 2020 and 2021, Thomas submitted at least 10 PPP applications and three EIDL applications for companies she controlled. She represented to lenders that her businesses had employees and payroll expenses that they did not. In fact, many of his businesses were nominal businesses with no employees or payroll charges.

Thomas also conspired with other alleged business owners to submit at least 20 fraudulent PPP and EIDL loan applications. She prepared and submitted these loan applications, which falsely stated the number of employees, payroll and business expenses.

Thomas falsified tax forms and altered bank statements she submitted to lenders as part of loan applications.

Based on Thomas’ misrepresentations, lenders approved about 30 PPP and EIDL loans and disbursed more than $3.1 million in federal COVID-19 emergency relief funds to struggling small businesses in Thomas and to his conspirators. Thomas has personally received over $330,000 from lenders based on the fraudulent loan applications for his businesses and received kickbacks of over $700,000 from other business owners for his role in preparing and submitting fraudulent loan applications.

Thomas used the fraudulently obtained PPP and EIDL loan proceeds to pay for his personal expenses. In March 2022, Thomas withdrew approximately $60,000 of cash loan proceeds from a Camden County credit union.

The bank fraud conspiracy charge carries a maximum sentence of 30 years in prison and a $1 million fine. The money laundering charge carries a maximum of 10 years in prison and a fine of $250,000, or double the gross gain or loss of the offense, whichever is greater. higher. As part of his guilty plea, Thomas agreed to return the full amounts of the PPP and EIDL loans. Sentencing is scheduled for November 1, 2022.

US Attorney Sellinger credited special agents from the Federal Deposit Insurance Corporation – Office of Inspector General, under Patricia Tarasca, Special Agent in Charge of the New York Regional Office; Social Security Administration Special Agents, Office of Inspector General, New York Field Division, under Special Agent in Charge Sharon MacDermott; special agents of the FBI’s South Jersey Resident Agency, under Special Agent in Charge Jacqueline Maguire in Philadelphia; Special Agents of the United States Department of Labor, Office of Inspector General, New York Region, under the direction of Special Agent in Charge Jonathan Mellone, the investigation leading to today’s guilty plea.

The government is represented by Assistant U.S. Attorney Daniel A. Friedman of the Criminal Division of the U.S. Attorney’s Office in Camden and Senior Litigation Counsel Jason M. Richardson of the Civil Rights Division of the U.S. Attorney’s Office in Camden.

License Address Change Passes Legislative Assembly | News, Sports, Jobs


Assemblyman Andrew Goodell, R-Jamestown, holds an enhanced driver’s license which had to be corrected by the local Department of Motor Vehicles.

The driver will probably no longer have to note address changes on their driver’s license, but that doesn’t mean they can stop notifying the DMV when they move.

Both houses of the state legislature have passed legislation that eliminates the requirement for a person to write a change of address on the back of a driver’s license or non-driver identification document. . The bill passed the state Senate earlier this session 48-13 with Sen. George Borrello, R-Sunset Bay, voting against the bill. The Assembly passed Measure 141-4 with both Assemblymen Andrew Goodell, R-Jamestown, and Joe Giglio, R-Gowanda, in favor.

Similar legislation was approved by the state Senate in 2014, but failed to pass the Assembly that year. In his legislative rationale, Assemblyman Brian Cunningham, D-Brooklyn, said the current law requiring a change of address on the back of a driver’s license or ID card is a problem for the DVM. Space is limited on most modern licenses and forms of identification, while the DMV is being asked to include an increasing amount of driver’s license information, including data regarding the many types of license endorsements driving and restrictions for commercial and non-commercial license holders, and information related to Real ID or Enhanced ID, Organ Donor Status and Veteran Status.

Goodell asked Cunningham if the DMV still needed to be notified. Cunningham said yes, the DMV must be notified within 10 days of an address change. It just wouldn’t have to be written on the back of the driver’s license.

“It’s actually a convenience for the DMV,” said Cunningham. “When you write, actually write, on the plastic, it eliminates it, so an officer or anyone who presents that ID couldn’t see it because it would get smudged because of the laminate on the plastic. “

Goodell voted in favor of the legislation, but noted some irony that his enhanced driver’s license came with an incorrect address and, rather than pay an additional fee to create a corrected enhanced license, the local DMV office simply affixed a sticker to the back of Goodell’s new ID card with the corrected address.

The Jamestown Republican also noted that the bill could also create a problem in some places where certain names are common – like Jamestown with its Swedish and Italian names that often leave people identified by their age and address in addition to their name.

“So when that bill came up, I just laughed,” said Goodel. “Sometimes it’s amazing what can be accomplished for free and that’s one of the free things. I would recommend to my colleagues to go ahead and approve this, although I will share with you in some communities you need to know not only the person’s name but also their middle name and where they live in order to identify it.

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Guide to Day Trading Tuesday: 8 Stocks to Buy or Sell Today – June 28


Today’s trading guide for Tuesday: Due to falling inflation expectations and easing of COVID-19 related restrictions in China, the bullish momentum continued in the Indian stock market with limited action on Monday. The Nifty 50 index added 132 points and closed at 15,832 levels while BSE Sensex jumped 433 points and closed at 53,161 levels. The Nifty Bank Index ended up 183 points at 33,811 levels.

According to stock market experts, crucial overhead resistance at 15,800 levels (previous swing lows, according to the polarity shift concept) has been taken to the upside. But, the absence of a new upside breakout after the upside and the formation of range-bound action after the open could dampen the bulls’ effort to hold the highs.

Daily trading guide for the stock market today

Speaking today on the day trading guide for Nifty, Nagaraj Shetti, Technical Research Analyst at HDFC Securities, said: “Nifty’s short-term trend continues to be positive. strength to hold the highs during the upside breakout is likely to lead to further consolidation or correction lower from the highs.On the other hand, a decisive upside move above 15,900 could open further to another obstacle of 16,200 levels.

Day trading stocks

Share Intraday Stocks for Today, Stock Market Experts – Rajesh Bhosale, Technical Analyst at Angel One Ltd; Mehul Kothari, AVP — Technical Research at Anand Rathi; Rohit Singre, AVP – Technical Research at Bonanza Portfolio and Anuj Gupta, VP at IIFL Securities – recommended 8 stocks to buy today.

Rajesh Bhosale Intraday Stocks for Today

1]NTPC: Shop Around 138.50 target 142, stop loss 136.60

2]Ambuja Cements: Shop Around 365 target 378, stop loss 359

Mehul Kothari’s stock picks for Tuesday

3]Mphasis: buy at 2340 target 2420, stop loss 2300

4]Havells India: Shop Around 1102 target 1150, stop loss 1080

Anuj Gupta’s day trading stocks to buy

5]Paytm: Buy from CMP, target 760, stop loss 668

6]LIC: Buy from CMP, objective 740, stop loss 628

Rohit Singre’s actions of the day

7]CCL Products: Buy from CMP, Target 400, stop loss 365

8]JSW Energy: Buy from CMP, objective 230, stop loss 209.

Disclaimer: The opinions and recommendations made above are those of individual analysts or brokerage firms, and not of Mint.

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The iScanner app puts a powerful AI-based scanner in your pocket



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Although we’ve come to take the power of our phones for granted, it’s still pretty mind-blowing when you think about what they can accomplish. You can book vacations at great prices, match paint colors perfectly, and train for new careers. With the iScanner app, you can even turn your iPhone into a competent remote desktop.

iScanner’s AI lets you use your iPhone for everyday business, personal, or educational tasks. For example, you can scan and compile pages into a single document and sign, edit and fax them. This could be useful for small business professionals like accountants, real estate agents, and lawyers, as well as students and teachers.

Scan your documents and photos in different formats, such as PDF, TXT or JPG. iScanner also lets your phone’s camera read QR codes and uses OCR to recognize text in scanned objects. You can even blur sensitive elements in documents if needed.

More than just a copier, iScanner’s document editor offers color correction and noise removal functions. The file manager is also highly secure – you can lock confidential data using a PIN code. And document sharing is a breeze. You can upload scanned documents directly to your cloud storage accounts, such as Dropbox or Google Drive.

Even better, iScanner isn’t just for document scanning and processing. Direct it to a math problem for an instant solution or measure the length of an object to determine the total area of ​​a room. It’s no wonder users love it.

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Three Arrows Capital (3AC) must repay its loans or default

Billions of dollars of value have been wiped from the cryptocurrency market over the past few weeks. Companies in the sector are feeling the pain. Lending and trading companies are facing a liquidity crunch and many companies have announced layoffs.

Yu Chun Christopher Wong | S3studio | Getty Images

Three Arrows Capital, a crypto-focused hedge fund, must meet a deadline Monday to repay more than $670 million in loans or default, in a case that could have a ripple effect on the digital asset market.

3AC, as it is also known, is one of the largest crypto hedge funds and is known for its high leverage bets.

But with billions of dollars wiped out of the digital coin market in recent weeks, the hedge fund faces a potential liquidity and solvency problem.

Voyager Digital, a digital asset brokerage firm, said last week that it loaned 3AC 15,250 bitcoins and $350 million of the USDC stablecoin. At Monday’s prices, the total loan equates to more than $675 million. Voyager has given Three Arrows Capital until June 24 to repay USDC$25 million and the entire outstanding loan by June 27, Monday.

None of those amounts have been refunded, Voyager said last week, adding that it may issue a notice of default if 3AC does not refund the money.

Voyager said it “intends to pursue the recovery of 3AC” and is discussing with its advisers “the legal remedies available”.

Voyager Digital and Three Arrows Capital were not immediately available for comment when contacted by CNBC.

Voyager, which is listed on the Toronto Stock Exchange, has seen its shares fall 94% this year.

How did 3AC get here?

Three Arrows Capital was established in 2012 by Zhu Su and Kyle Davies.

Zhu is known for his incredibly optimistic view of bitcoin. He said last year that the world’s largest cryptocurrency could be worth $2.5 million per coin. But in May this year, as the crypto market began its meltdown, Zhu said on Twitter that his “supercycle price thesis was sadly wrong.”

The onset of a new so-called “crypto winter” has hurt digital currency projects and businesses across the board.

Three Arrow Capital’s troubles appeared to begin earlier this month after Zhu tweeted a rather cryptic message stating that the company is “communicating with relevant parties” and is “fully committed to resolving this issue”.

There was no follow-up on specific issues.

But the FinancialTimes reported after the tweet that US-based crypto lenders BlockFi and Genesis had liquidated some of 3AC’s positions, citing people familiar with the matter. 3AC had borrowed from BlockFi but was unable to meet the margin call.

A margin call is a situation where an investor must commit more funds to avoid losses on a trade made with borrowed money.

Then the so-called algorithmic stablecoin terraUSD and its sister token luna crashed.

3AC was exposed to Luna and suffered casualties.

“The Terra-Luna situation caught us off guard,” said 3AC co-founder Davies. the wall street journal in an interview earlier this month.

Risk of contagion?

Three Arrows Capital is still facing a credit crunch exacerbated by continued pressure on cryptocurrency prices. Bitcoin hovered around the $21,000 level on Monday and is down around 53% this year.

Meanwhile, the US Federal Reserve signaled further interest rate hikes in an effort to control runaway inflation, which stifled riskier assets.

3AC, which is one of the largest crypto-focused hedge funds, has borrowed large sums of money from various companies and invested in a number of different digital asset projects. This has raised fears of further contagion in the industry.

“The problem is that the value of their [3AC’s] assets have also declined massively with the market, so overall these are not good signs,” Vijay Ayyar, vice president of business development and international at Luno Exchange, told CNBC.

“What you need to see is if there are any great players left who were exposed to it, which could cause further contagion.”

Already, a number of crypto firms are facing liquidity crises due to the market crash. This month, lending company Celsius, which promised users very high returns for depositing their digital currency, suspended withdrawals for customers, citing “extreme market conditions”.

Another crypto lender, Babel Finance, said this month that it is “facing unusual liquidity pressures” and halted withdrawals.

CNBC’s Abigail Ng contributed to this report.