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US tech companies reject job offers, leaving college graduates to scramble


June 22 (Reuters) – One by one, in the last week of May, Twitter Inc (TWTR.N) phoned some members of its new class of fresh college graduates and revoked offers of job in 15 minutes. calls, according to some recipients.

“It was traumatic,” Iris Guo, a new associate product manager living in Toronto, told Reuters. She received the bad news in a video call at 10:45 p.m. that her post had been taken down. Since then, she has been scrambling to find a new job in order to get her US work visa.

More than 21,500 tech workers in the United States have lost their jobs so far this year, according to Layoffs.fyi, a website that tracks job cuts. The number of tech layoffs in May alone soared 780% in the first four months of the year combined, according to outplacement services firm Challenger, Gray & Christmas.

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But recent college graduates like Guo, a University of Waterloo graduate who studied financial management and computer science, represent a new dimension to the cuts, as their fledgling careers are wiped out before they even begin. The trend reflects new austerity that is sweeping parts of the tech industry such as crypto and venture capital firms.

For crypto firms, the tightening of the belt is due to the recent fall in cryptocurrency prices and venture capital-backed companies are also cutting costs to avoid returning to the market for additional funding, said Kyle Stanford, principal analyst for venture capital at Pitchbook.

Crypto firm Coinbase Global Inc (COIN.O) laid off 18% of its staff this month, payment firms Klarna and Bolt Financial collectively laid off more than 900 people while big names like Meta Platforms Inc, Lyft Inc (LYFT.O) and Uber Technologies Inc (UBER.N) said they would slow or freeze hiring.

In what appears to be a countertrend to the Great Quit of 2022, when legions quit for new jobs, some tech job seekers are now facing cost cuts and a hiring freeze in a context of high inflation for four decades, a raging war in Ukraine and the current crisis. pandemic.

In the case of those about to join Twitter, the quirks of billionaire Elon Musk also caused stress. Musk has agreed to buy Twitter for $44 billion, but his recent tweets have raised questions about when and if the acquisition will be finalized. Read more

To be sure, hiring in the tech sector as a whole has remained strong, according to experts at staffing and consulting firms. Tech roles in healthcare and finance are strong, as well as in information technology, said Thomas Vick, Texas-based regional director for the technology practice at staffing firm Robert Half.

But for the incoming class of new recruits out of college, losing their job offers now is particularly damaging as they said they were barred from companies like Meta Platforms, Alphabet Inc’s (GOOGL.O) Google and other tech giants, who have already secured their new cohort of recruits.

Lucas Durrant, an electrical engineering graduate from Canada, was due to start his new job as a software engineer at Bolt last week. While on vacation a few weeks ago, he received an e-mail informing him that his offer had been cancelled. Bolt announced he would begin layoffs in late May, citing economic conditions.

“It feels a bit like a race against time before we see a bigger economic downturn,” Durrant said. “Very soon, I will also be competing with graduates in 2023.”


At least 40 recent college graduates have lost job offers in recent weeks, according to LinkedIn posts and Google spreadsheets circulating online to help those affected find new positions.

On Tuesday, 22 recent graduates were listed on a spreadsheet as having canceled offers from Twitter and nine people were listed on a separate spreadsheet for Coinbase.

In a statement, Twitter said it recognizes the rescinded offers could put contestants in a difficult position and said it was offering compensation to those affected.

Coinbase pointed to a June 2 blog post that said the decision to cancel a number of offerings was not taken lightly, but was “necessary to ensure we only grow in the areas highest priority”.

Chloe Ho, a recent graduate of the University of California, Davis and originally from Hong Kong, has until September 29 to find a new job or risk being forced to leave the United States. Ho had taken a job as a content marketer for an online grocery company called Weee! before the position was cancelled.

As a non-US citizen who needs a new employer to sponsor her work visa, “my options are very limited,” she said.

Ho said she canceled a lease for a new apartment in the San Francisco Bay Area, scrapped vacation plans with friends, and will now spend the next three months networking for a new job during the day and submitting applications at night. “I had everything planned around this job,” she said.

Many concerned graduates have taken to LinkedIn to express their disappointment, detail how the canceled offers have changed moving plans across the country and ask for referrals to new companies.

Graduates who spoke to Reuters said they were surprised by the level of awareness of people offering to help. Yet the sting of losing their dream job lingered.

A recent college graduate who was to join Coinbase and did not want to be named due to his ongoing job search, said that just a week before he lost his job offer, he received an email from Coinbase assuring him that the company had not done so. plan to revisit existing offers.

“I was disappointed for several reasons. I didn’t think management would make this decision,” he said.

While companies can save money in the short term, they risk “potentially catastrophic” reputational damage, said Brian Kropp, senior vice president of Gartner’s human resources practice.

“Think how unfair it is to the people you’re canceling the offer to,” he said. “You put them in a painful situation.”

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Reporting by Sheila Dang in Dallas Editing by Kenneth Li and Matthew Lewis

Our standards: The Thomson Reuters Trust Principles.

Chief Financial Officer / Canon for Finance – Episcopal News Service

The Episcopal Dioceses of Western New York and Northwestern Pennsylvania represent a new kind of arrangement for Episcopal dioceses – established as separate entities in two different states, we collaborate, share personnel, combine resources and associate ourselves with the ministry. All for one purpose: to improve our ability to live out God’s mission for us and to spread the gospel of Jesus Christ in this region, which stretches to Lake Ontario and a stone’s throw from Canada, south to through the Buffalo metro area, Lake Chautauqua and the Allegheny National Forest, along the shores of Lake Erie and west to the Ohio border. We encompass cities, suburbs, college towns, small communities, and just about everything in between, with nearly 90 congregations and multiple mission-focused efforts.

We are one church. Bishop Sean Rowe serves as bishop of both dioceses, under a shared arrangement that began in 2018 and is expected to be reviewed in 2024. More than 100 clergy and staff serve in the dioceses combined, helping us witness of God’s love, mercy and justice in this region and beyond.

The financial director/canon of finance reports to the bishop and is also accountable to the diocesan treasurers. This position will also interact with the Canon for Administration and other staff.


The Chief Financial Officer/Canon for Finance (CFO/CFF) supports the work of the Bishop and other staff colleagues. The CFO/CFF is responsible for advising the bishop and diocesan staff on financial matters and providing support on these matters as required by the bishop or other diocesan staff.

The CFO/CFF is also responsible for the financial operations of the partnership, encompassing the two dioceses. These functions include, but are not limited to:

  • Serve as the Bishop’s financial intermediary and representative to internal and external individuals and groups, including but not limited to diocesan treasurers, related governance boards, diocesan clergy, congregations and their members, related financial institutions and appropriate Church-wide bodies such as the Group Church Pension
  • Supervision of the staff of the Finance Department of the partnership
  • Finance management for NWPA & WNY dioceses including:
  • Analyze and prepare financial projections to assist in strategic planning
  • Prepare diocesan budgets, including valuation/full share calculations, in conversation with the bishop, partnership staff, and related governance boards
  • Reconcile diocesan bank accounts monthly
  • Review and publish monthly financial reports
  • Serve as support and representational staff to Diocesan Councils, WNY Diocesan Trustees, and Finance and Audit Committees
  • Receive and review all parish and congregational audit reports on an annual basis
  • Calculating clergy salaries and updating pensions on the CPG employee list
  • Prepare the financial part of the annual journal
  • Work with an outside firm to complete the annual audit of diocesan financial records
  • Administrative duties in the NWPA and WNY dioceses, including:
  • Act as financial consultant/advisor to all diocesan congregations.
  • Administer the annual renewal of diocesan health insurance plans.
  • Assist clergy and lay employees and retirees with health insurance and pensions.
  • Work with the Diocesan Chancellor regarding legal matters.
  • Financial maintenance for the Diocese of NWPA, including:
  • Record assessment income and other payments from congregations
  • Take bank deposits on a weekly basis
  • Record operating expenses and issue accounts payable checks on a weekly basis
  • Record endowment income and expenses monthly
  • Reconcile balance sheet accounts on a monthly/quarterly basis
  • Process payroll for the NWPA Diocese and its congregations, including issuing invoices to congregations to cover their share of expenses
  • Issue medical/life insurance bills to congregations and retirees/surviving spouses
  • Review Bishop’s bank accounts on a monthly basis
  • Administration of Clergy Insurance Funds (Widows Corp)
  • Securing bids/contracts for repairs/maintenance of the physical building and grounds
  • Other duties assigned by the bishop


  • Collaborative skills – being a team player with sensitivity to the needs and working styles of others
  • Communication skills – strong verbal and written communication skills; ability to articulate priorities and needs
    • Discretion/Confidentiality – ability to be discreet and observe strict confidentiality
  • Organizational skills – autonomous, able to plan and organize effectively and perform tasks without supervision; ability to set priorities and be attentive to deadlines; ability to handle multiple tasks at once
  • Ability to deal with a variety of people and situations; attentive to the pastoral needs of visitors, callers, etc.
  • Have or develop a basic understanding of Episcopal Church politics, including structures, governance, ministries, and mission

Smithsonian Delivers Delays with Molina Family Latino Gallery


The long and arduous journey to fuller Latino representation within the Smithsonian Institution became more real over the weekend.

While a space on the National Mall for the National Museum of the American Latino is not yet a reality and its construction is at least 10 years away, the new Molina Family Latino Gallery has opened its doors.

Over the next decade, viewers will get a glimpse of what the National Museum could look like in this space.

The Molina opened on Saturday on the first floor of the National Museum of American History, and two “locals” were among them.

One was sculptor Verónica Castillo, whose magnificent ‘Arbol de la Vida’, or Tree of Life, debuted as part of Molina’s inaugural exhibition, ‘¡Presente! The History of Latinos in the United States.

Castillo is the owner of Galería EVA on South Flores Street.

The other was Eduardo Díaz, whose long career in cultural and artistic administration included stints at the Guadalupe Cultural Arts Center and the cultural affairs office of the city of San Antonio.

Díaz, 71, currently acting deputy director of the National Museum of the American Latino, was most recently director of the Smithsonian Latino Center, which was merged into the museum.

By creating the Molina Gallery, the center exceeded its fundraising goals, raising about $45 million in private funds, Díaz said. This included $28 million for the new gallery and an additional $17 million for the National Museum Fund.

The latter represents only a tiny part of what the national museum will cost. For reference, the Smithsonian’s National Museum of African American History and Culture cost about $540 million.

” Here ! is described as a “101” on American Latinos. It highlights Latin American history as the history of the United States and how Latinos are not new to that history but fundamental.

It’s come a long way since 1994, when a national report on the Smithsonian accused it of a “pattern of willful neglect” of Latin American history and culture.

Díaz described Thursday’s private opening as “a preaching to the choir.” Saturday’s public opening was for “the congregation”.

He credited several Texans for their pivotal role, including Roel Campos, former chairman of the Smithsonian National Latino Board, who identified the Molina family of Long Beach, Calif., as a potential donor.

Molina family members donated $10 million in honor of their parents, whose ancestry spanned Arizona, Sonora and a Fortune 500 healthcare company.

Díaz noted that Campos, a native of the Rio Grande Valley, sits on the board with two San Antonians, Christine Ortega of Southwest Airlines and Henry R. Munoz, chairman emeritus of architectural firm Munoz & Co.

Castillo’s job, however, was the San Antonio star of the show. “Arbol” appears in the final section of “¡Presente!”

“It’s a spectacle,” Díaz said of the three-dimensional clay work measuring four feet in diameter. It recreates some of the historical moments and characters from the section.

From the moment the gallery opened, “people were obsessed” with Castillo’s work, Díaz said.

Castillo, a member of the fourth generation of clay artisans working in Izúcar de Matamoros, Puebla, told me about his work several weeks ago in his studio.

His perspective alluded to his roles as a trained accountant, activist and artist.

Selected as a National Heritage Fellow in 2013 by the National Endowment of the Arts, Castillo opened the gallery in 2020 with such promise, then shutting down the world.

She went into survival mode. To make ends meet, she planted a vegetable patch and herb garden and went to work with her husband – in construction.

The gallery’s giant patio, stage and outdoor kitchen served as the venue and was where Castillo, the caterer, created dinner parties serving Mexican and Latin American dishes. It also helped pay the bills.

Castillo described Arbol as a godsend. The commission came after a difficult first year.

But a commission isn’t entirely the work of the artist, and this one was informed by Smithsonian staff.

The accountant may not have been bothered by such a contribution – the artist, not so much. But the activist saw the bigger picture and how it fits into the journey to a national museum.

” Here ! is qualified as emotional. It is filled with interactive digital displays, video installations, personal items of historical figures and artifacts.

The latter includes a raft used by two Cuban men to reach American shores.

For those of us watching from afar, that’s a broken promise.

The Molina responds to a long injustice, a delay that has left a huge void in the history of the United States – not just on the National Mall but in the national narrative.

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The Tacollection, a community of taco enthusiasts to democratize culturally accurate NFTs

Image courtesy of Tacollection.

In a world where NFT breaking down digital and cultural barriers, nothing is more important than preserving the identity of our culture and making it relevant and fair.

Enter Tacollection, a community of taco lovers, taqueros, taqueras, taquerias, and foodies with over ten thousand memberships who want to increase taco-lover interactions, breaking down geographic or language barriers while keeping it culturally accurate.

Founded by Diana Abrego Aguilar and her husband, the Tacollection aims to shape the metaverse for new generations “before someone else turns NFT tacos into just another ‘Half off margarita and Taco Tuesday’ shill,” the founders explained to BELatina.

“We hope to be able to create a community that attracts the interest of the best taquerias, taqueros and enthusiasts and brings them together in a knowledge forum but also across borders,” they said.

BELatina had the pleasure of speaking with Aguilar about this wonderful project, and here is what he had to say:

Tell us about a time when Tacollection has already inspired you

The process of designing the different layers of the Tacollection artwork helped me revisit my memories and reminisce about places I’ve been in Mexico and events that had an emotional impact on my life.

Whether it is an archaeological site (like the ruins of Chichén Itzá), the trajineras from Xochimilco, or handcrafted alebrijes (Pedro Linares López) or representing elements of the March 8 Women’s March in Mexico City against feminicides, these things are close to me. I want them to be displayed through the artwork for the benefit of anyone who knows them or wants to learn more but also to teach my daughters about their heritage and the social issues I hope they don’t will ever be confronted (but if they do, they know there are places of strength they can turn to).

Do you think NFT resources are not widely available to the Spanish-speaking community? If so, how can Tacollection contribute to this?

The great thing about web3 it’s that he doesn’t care what language you speak or what country you’re from. Web3 and crypto/NFT systems and the reality behind them are available worldwide.

There is a democratization and decentralization of finance that can fundamentally change Latin America, but the current challenge is understanding and adoption that precede market penetration.

Take a look at Venezuela. One of Tacollection’s team members, who is Venezuelan, understands the reality of blockchain/web3 lead finance and asked to be paid in crypto, not bolivars.

Another example is the success of Los Muertosa Mexican-themed project founded by a non-Mexican national [in a] world [that] yearns for Spanish-speaking culture. The challenge remains adoption. We hope that the Tacollection [will help] create interest to foster wider adoption in Spanish-speaking communities.

The biggest changes and demand come when you start seeing the presentation and content layers natively developed in Spanish instead of being copied from English and translated into Spanish. The principles are there, but our team wants Tacollection to spark interest and understanding, given where we are in the adoption curves. If we achieve this, we will be very proud.

As part of our ramp-up, we are setting aside blocks of time to help taquerias set up their MetaMask/wallet so they can start moving some of their business practices to web3.

Additionally, we will also use our Discord Channel as a way to build peer-to-peer knowledge-sharing networks to better leverage their business. Our team wants to be the web3 resource center for taqueria knowledge exchange.

What motivates you the most in this project?

I’m incredibly interested in the authenticity of the project, from the exchange of knowledge on the Discord channel to the representation of Mexican culture contained within the token. It is the project of a first generation Mexican who lives in the United States. I want to make sure these elements are true to their essence, welcoming the world into conversations where we can truly demonstrate the richness and diversity of tacos and Mexican culture, while at the same time creating a project for my daughters that gives a place to better understand their roots and their identity.

More importantly, I want my daughters to know that they can monetize their passions, and I want them to live a life in pursuit of things they love. Building a community of taco enthusiasts seems like a good way to demonstrate this.

Do you think Tacollection can be a generational wealth creation point for the Latino community?

Creating generational wealth for the Latino community is a great charter, and it starts with creating a broader understanding of web3, cryptocurrency, and decentralized finance. To do this, you need to captivate people and give them a reason to care. We think it can start with the taco.

Once you set up a wallet, you start listening more to the concepts behind cryptocurrency and decentralized finance. By doing so, you are taking the first steps towards adoption. If there are enough people who start their first wallet in Latin America because they want to join our community, I will feel some satisfaction for having done our part to contribute to financial change in the Latin American community.

At the micro level, we want to create opportunities for every member, taqueria or taquero, that joins our community. The ability to build a larger audience and even monetize your knowledge within the community can dramatically raise the standard of living for a Mexican taqueria or taquero owner.

We want to know these stories, and we want to share them, but above all, we want to encourage them. We want to make sure there is an opportunity for generational wealth available to our token holders.

What do you hope everyone understands about Tacollection?

This is not an NFT project; it is a symbolic community. Artwork is fun, but that’s only a small part of community value. It is an artistic token that reflects Mexican culture. It’s a token that gives you access to a curated community of people who really love tacos and want to share their knowledge of the art of taco making and share best practices around running taquerias. This can take many forms – recipes and images, translatable online courses, Mexican taco tours, successful taquería exchange forums, and token ownership for merchandising purposes.

Your experience begins when you acquire the token, as it opens the door to “members only” channels on our Discord server, where much more value is exchanged.

Do you have anything else to share with the BELatina News audience?

The web3 space is currently dominated by the Asia-Pacific region and the United States and is expanding into other regions. As with any other technology and financial trend, being the first doesn’t always mean the best. As in traditional markets, creating a successful project depends on offering a value proposition that no one else has before. We have the opportunity to create an authentic Mexican/Latin project that contributes to Latin America truly embracing all this offer of web3 and decentralization.

Besides generating interest in the long-term benefits of decentralization, I appreciate the culture. I want this project to portray real tacos and Latino realities and release it before another taco project sets in with a proper version of the taco wrapped around Margaritas and sour cream.

If you want to follow or join our community, click on here.

Finance Minister declares OHS exemption for vehicles only until June 30, no more extension


Finance Minister Datuk Seri Tengku Zafrul Abdul Aziz noted that 868,422 vehicles were sold during the exemption period, resulting in tax savings of RM4.7 billion. — photo by Bernama

By Zarah Morden

Monday, June 20, 2022 3:14 PM MYT

KUALA LUMPUR, June 20 – The federal government will not extend the sales and service tax (SST) exemption for the purchase of new vehicles after June 30.

However, Finance Minister Datuk Seri Tengku Zafrul Abdul Aziz, who made the announcement today, noted that some 264,000 units had yet to be delivered to buyers due to disruptions in the global supply chain. .

“In order to allow those who have placed orders for new vehicles to benefit from the SST exemption, the registration of new vehicles with the Department of Road Transport Malaysia has been extended until March 31, 2023,” it said. he said in a statement this afternoon. .

“The extension of the vehicle registration period is an intermediate solution to balance the interests of consumers and the national tax revenues which must be increased after the pandemic to ensure that the well-being of the population and the economic well-being of the country continue to be preserved,” he added.

The minister noted that 868,422 vehicles were sold during the exemption period, resulting in RM4.7 billion in tax savings.

The SST exemption for vehicles was introduced in June 2020 under the Penjana scheme, to stimulate demand within the local automotive industry.

It was originally scheduled to end on December 31, 2020 but an extension was granted until the end of this month.

“With the reopening of economic sectors, the auto sector has started to operate as usual again,” Tengku Zafrul said, apparently explaining the government’s reason for maintaining the June 30 expiry for the exemption despite market expectations. .

Last week, RAM Ratings Services Bhd ratings specialist Ben Inn expressed hope that the government would extend the SST exemption period in its current form or at reduced rates as demand is expected to fall after the program expires.

“Consumer demand for cars will also be dampened by higher inflation, worries about the economy, tighter financing and higher cost of owning a car due to rising interest rates and the rationalization of fuel subsidies.

“All things considered, we believe that a total industry volume of 600,000 units in 2022 is possible, however, (it depends) on the availability of critical parts and foreign workers,” Inn said as quoted by l national news agency Bernama.

In January, the Malaysian Automobile Association forecast a 17.9% growth in total industry volume to 600,000 units in 2022 from 508,9111 in 2021.

Is the economy out of the woods?

GDP growth of 8.7% for 2021-22 may be one of the fastest rates in the world, but in absolute terms it only brings the economy back to 2019-20 levels. It may also suggest resilience, particularly if we examine how the individual components have evolved in a supply (GVA) and demand (GDP) format.

The contraction in supply in 2020-21 was generalized (excluding agriculture) and obviously due to the constraints imposed by the pandemic, the war or even the climate. The recovery in 2021-22 reflects the easing of some of them, besides of course the low base effects.

On the demand side (GDP), the fall seemed more likely due to the contraction in economic activity in 2020-21 than any long-term drop in income, which is also supported by the fact that the recovery is came with the resumption of economic activity.

This is clearer when we look at the individual components of demand. The 5.4% drop in private consumption, the main driver of growth, was due to lower spending on personal transport (-14%) and transport services (-24%) rather than food , which is the most important item of consumption. . In fact, food expenditure increased (4%) despite the drop in income, in particular due to government assistance measures.

Demand for services also fell (-9 percent), reflecting the overall contraction in economic activity, particularly in the so-called “contactless” sectors.

As for the other major driver, private investment, it was down even before the pandemic and has continued to fall (-12.7%). Net foreign trade has always had a disproportionate impact on GDP relative to its share, due to the fact that trade deficits are subtracted from GDP.

Thus, the sharp decline in the deficit in 2020-21 (-39.1%) helped to mitigate the decline in GDP. But strikingly, as things calmed down in 2021-22, imports, dominated by oil, jumped 35%, leading to a 127.5% increase in the net trade deficit. Finally, net government taxes also fell sharply (-24.9%) in 2020-21, leading to a larger decline in GDP than GVA, since taxes separate the two ( See the table).

There is a common link in all these components, viz. energy, especially oil, which now has a pervasive influence. On the one hand, petroleum and energy products now represent around 18% of private consumption expenditure (growing on average 10% before the pandemic) and the sudden drop of 16% during the period 2020-21 weighed on the GDP. Next, oil contributes almost a fifth of all indirect taxes (Center and States combined) and indirect taxes represent approximately 50% of all tax revenue.

It is an important dependency that explains the sharp drop in taxes (-24.9%). A third aspect is that oil imports, on average, account for about 85% of the trade deficit and the impact that deficits have on GDP, inflation and the external value of the rupee is well known.

Finally, the link between oil and inflation is indisputable. It was previously understated in core inflation calculations due to the structuring of the weights (fuels and lighting did not include petrol and diesel but fell under transport services).

But the fact that modified core inflation (introduced since June 2020, excluding all fuels) is lower than conventional core inflation shows the impact of fuel prices.

Chain effect

The energy intensity of the economy is not its only problem. The low-income trap (per capita income below $2,000) is itself the result of several structural deficiencies inherited from the past—the informal economy, low labor force participation, low literacy, and low productivity. Low income creates an impact chain.

It restricts the consumption and demand base necessary for growth, but above all the tax base, which is crucial to finance state intervention in the economy, necessitated in the first place by low incomes and strong inequalities.

This has led to a significantly high reliance on indirect taxes (49 percent), which is not only regressive but also unsustainable in the long run. This triggers another chain of effects that we have seen at work: lower consumption leading to lower taxes, higher borrowing and inflationary pressures.

Energy import intensity adds to the woes – persistent trade deficits necessitate higher levels of foreign exchange reserves, which are now increasingly dependent on capital flows (FDI, portfolio investment) than on trade and whose l he impact on inflation and exchange rates cannot be ignored.

The resumption of growth is akin to a restart of the economic machine after the power has been restored and cannot be interpreted as the start of a new growth story. The question is not about being the fastest growing economy, but about the pace that would propel it out of its low-income orbit and the problems that come with it.

The author is an independent financial consultant

Published on

June 19, 2022

Indiana Democrats Confirm Statewide Slate, Reveal 2022 Priorities


Indiana Democrats unveiled their 2022 party platform while officially selecting their statewide candidates on Saturday.

The Indiana Democratic Party confirmed a platform which focused on improving voter turnout, public education, workers’ rights, and Indiana’s overall health. Chairman Mike Schmul said Indiana’s place at the bottom of those metrics is largely due to two decades of Republican leadership.

“They fight for who they want to be as a group,” he said. “We know who we want to be as a party. We are the party that supports American democracy, that supports Hoosier democracy.

Schmul said that’s the message Democrats are delivering to Hoosier voters at events while touring across the state.

Indiana Republican Party Chairman Kyle Hupfer said he believes Indiana Democrats are “competent and eligible” when they win statewide office.

Indiana Democrats also officially nominated three women for statewide positions at their state party convention.

For state treasurer, Democrats nominated Jessica McClellan – two-term Monroe County Treasurer. She said the experience is the perfect stepping stone to state office.

“I would like to elect someone who is qualified for this position,” McClellan said. “If someone has experience and it’s a good-sized county, and really knows what the treasurer’s office does – to me, that’s the perfect candidate idea.”

If elected, McClellan would become the first openly LGBTQ+ statewide office holder in Indiana history.

READ MORE: Diego Morales upsets Secretary of State Holli Sullivan at Indiana GOP convention

Join the conversation and sign up for the Indiana Two-Way. Text “Indiana” to 73224. Your comments and questions in response to our weekly text message help us find the answers you need on statewide issues.

ZeNai Brooks was named State Auditor to take on Republican Tera Klutz. Brooks, like Klutz, is a CPA and said she wanted to bring better accountability to the office.

“I think at this point people really want to restore trust in the way our tax money is spent… they’re tired of the way things have always been and so it’s time to change,” Brooks said.

Destiny Wells is the Democratic nominee for Secretary of State. She said she wanted to improve Indiana’s low voter turnout. She has repeatedly said that Indiana is not a red state, it’s a purple state with a voter turnout problem.

“So these are complex issues that require a professional in the office, who can also walk down the aisle and start to … undo what has been a Gordian knot tied by Republicans for the past 30 years, which has made us l ‘one of the worst turnouts in the country,’ Wells said.

Wells strongly criticized the Republican chosen to face him in November: Diego Morales. Former Trump campaign adviser Steve Cortes has advocated for Morales and he has appeared on Steve Bannon’s podcast.

“Do you know what all these people have in common? Insurgents,” Wells said.

None of those positions have been held by Democrats since 1994.

Contact Lauren at [email protected] or follow her on Twitter at @laurenechapman_.

Copyright 2022 IPB News. To learn more, visit IPB News.

‘Birding While Black’ Incident in New York’s Central Park Brings Black Bird Wildlife Enthusiasts Out of the Shadows


By Paul Cobb

The Oakland A’s have finally met their match. Councilman Noel Gallo bravely introduces two important bills to end the bullying of the city of Oakland by the A’s.

Gallo convinced his Council colleagues to vote unanimously for a public hearing and independent third-party analysis of the costs, benefits and risks to the city of funding the A’s stadium and luxury condo project at Howard Terminal.

He also introduced legislation to impose a measure on the November 2022 ballot to allow residents to vote on whether to spend public funds on the private development of A.

We salute Noel and encourage the Council to support his efforts.

Oakland faces many critical issues, including homelessness, affordable housing, crime, and keeping schools open. City officials need to focus on getting these issues under control. Instead, the A’s try to bully them into spending more billions on their new stadium and luxury housing project.

Let’s peel the layers of the onion.

The A’s promise union jobs. But the truth is that all the new jobs they promote are construction jobs that could be created at the Colosseum if they built their stadium there. And it wouldn’t cost $1 billion because the land is already approved for development and there are fewer infrastructure requirements than at the Howard Terminal. Meanwhile, if the A’s build at Howard Terminal, they weaken a working port and threaten to lose hundreds of well-paying ILWU union jobs.

The A’s threaten to leave and eliminate Oakland’s last athletic team if they don’t succeed. Right now, there are fewer fans at A games than there are homeless people living on the streets of Oakland. We should care more about our homeless, mostly black residents than 2,000 to 3,000 baseball fans.

The A’s say they are adding 3,000 new homes to the desperately needed city. But the A’s are reluctant to make more than a measly 15% of those units affordable. They do not specify affordability income levels. Will homeless people be included?

Unlike every other developer, the A’s don’t contribute to community benefits, especially in the East Oakland area where emergency affordable housing is badly needed.

But rather, in a deceptive and clever ploy, the A’s would make the community pay for their benefits, unwittingly accelerating the wave of gentrification that could increase homelessness. They reneged on past promises and pushed people like Margaret Gordon, an outspoken community advocate, to drop her support for the team.

More infuriating than all of the above, the A’s negotiate with Las Vegas as they arrogantly bully Oakland.

Many people believe this is all a sham. The A’s exploit a potential site in Oakland only to get a good deal in Vegas. And, ironically, they enrich themselves further by simply “occupying” the Colosseum site and profiting from the increased land value of their part-ownership share of the Colosseum.

Questioning the co-owner’s financial ability, city staff raised the price to sell his half interest to a black-led group for more than $30,000,000.00 than that of Alameda County, who owns the remaining 50% of the Colosseum.

Oakland doesn’t need the A’s.

Oakland needs to deal with its own critical issues. The city’s Department of Race and Equity should be at the table with the city attorney to ensure that the financial interests of Oakland residents are protected and treated fairly.

But even if these issues weren’t so urgent, city officials need to stand firm and not let any developer intimidate and disrespect them the way the A’s disrespect them.

Thank you, Mr. Gallo, for standing up for the residents of Oakland and not bending the knee to the A’s.

We urge the Council to back Mr. Gallo by taking the A’s public spending request to voters in November. Let voters guide the decision of whether the City should fund the A’s or take care of our own problems.

We encourage all voters to demand that the Council let the people vote.

Don’t worry about the AI ​​getting sentient. Don’t worry about finding new ways to discriminate against people.


Getty Images

  • The story of a Google engineer saying the company created sentient AI recently went viral.

  • Google’s AI chatbot is not responsive, seven experts told Insider.

  • Three experts told Insider that AI bias is a much bigger concern than sensitivity.

First, the good news: sentient AI is nowhere near a reality. Now the bad news: there are many other problems with the AI.

A story about supposedly sentient AI recently went viral. Google engineer Blake Lemoine has revealed his belief that an enterprise chatbot named LaMDA (Language Model for Dialogue Applications) has achieved sentience.

Seven AI experts who spoke to Insider were unanimous in their rejection of Lemoine’s theory that LaMDA was a sentient being. They included a Google employee who worked directly with the chatbot.

However, the AI ​​doesn’t need to be smart to do serious damage, experts told Insider.

The bias of AI, when it replicates and amplifies historical human discriminatory practices, is well documented.

Facial recognition systems have been found to display racial and gender bias, and in 2018 Amazon shut down a recruiting AI tool it had developed because it systematically discriminated against female candidates.

“When predictive algorithms or so-called ‘AI’ are so widely used, it can be hard to recognize that these predictions are often based on little more than a rapid regurgitation of opinions, stereotypes or lies from the crowd,” says Dr. Nakeema Stefflbauer, an AI ethicist and CEO of the Women in tech Frauenloop network.

“Perhaps it’s fun to speculate about the ‘sensitivity’ of automatically generating historically correlated word strings, but it’s a dishonest exercise when, right now, algorithmic predictions unfairly exclude, stereotype and target individuals and communities based on data pulled from, say, Reddit,” she told Insider.

Professor Sandra Wachter from the University of Oxford detailed in a recent paper that not only does AI show biases against protected characteristics like race and gender, but it finds new ways to categorize and discriminate. the people.

For example, the browser you use to apply for a job could mean that AI recruiting systems favor or downgrade your application.

Wachter’s concern is the lack of a legal framework to prevent AI from finding new ways to discriminate.

“We know that AI picks up patterns of past injustices in hiring, loans, or criminal justice and carries them into the future. But AI also creates new clusters that are not protected by law. to make important decisions,” she said.

“These issues require urgent responses. Let’s deal with them first and worry about sentient AI if and when we are actually about to cross that bridge,” adds Wachter.

Laura Edelson, a computer science researcher at New York University, says AI systems also provide a loophole for people who use them when they prove to be discriminatory.

“A common use case for machine learning systems is to make decisions that humans don’t want to make as a way of abdicating responsibility. ‘It’s not me, it’s the system,'” said she told Insider.

Stefflbauer thinks the hype around sentient AI is actively overshadowing more pressing issues around AI bias.

“We are derailing the work of world-class AI ethics researchers who need to debunk these stories of algorithmic evolution and ‘sensitivity’ so that there is no time or media attention given to the increasing damage that predictive systems allow.”

Read the original article on Business Insider

IMMUNOGEN, INC. : Change of Directors or Principal Officers, Submission of Questions to a Vote of Securityholders, Financial Statements and Supporting Documents (Form 8-K)

Article 5.02 – Departure of directors or certain managers; Election of directors; Appointment of certain leaders; Compensatory provisions of certain executives.

At the 2022 annual meeting of shareholders of ImmunoGen, Inc. (the “Company”) held on June 15, 2022 (the “2022 Annual Meeting”), shareholders approved an amendment to our amended and restated 2018 Employee, Director and Consultant Stock Incentive Plan (the “Stock Incentive Plan”) ) to increase by 13,000,000 the number of shares authorized to be issued thereunder. The Board of Directors of the Company approved the modification of the stock incentive plan on April 1, 2022subject to shareholder approval.

A summary description of the terms of the stock incentive plan is set forth in the Company’s definitive proxy statement as Schedule 14A filed with the
Security and Exchange Commission on April 26, 2022 (the “Proxy Circular”) under the section of the Proxy Circular entitled “Amendments to our 2018 Equity Incentive Plan for employees, directors and consultants to increase the Number of Shares authorized to be issued hereunder (Proposal 4)” which is subject to the full text of the Equity Incentive Plan, a copy of which is attached hereto as Schedule 10.1 and incorporated herein by reference.

Section 5.07 – Submission of Matters to a Vote of Securityholders.

At the 2022 General Meeting, the shareholders fixed at nine the number of directors constituting the entire Board of Directors of the Company as follows:

For:                156,458,503
Against:                602,410
Abstain:                970,421

Non-voting brokers: 25,775,973

At the 2022 General Meeting, shareholders elected nine directors as follows:

                              FOR          WITHHELD      BROKER NON-VOTES
Stuart A. Arbuckle        153,948,650     4,082,684      25,775,973
Mark J. Enyedy            155,066,915     2,964,419      25,775,973
Mark Goldberg, MD         104,686,106     53,345,228     25,775,973
Tracey L. McCain, Esq.    153,314,079     4,717,255      25,775,973
Stephen C. McCluski       154,945,808     3,085,526      25,775,973
Dean J. Mitchell          104,724,631     53,306,703     25,775,973
Kristine Peterson         105,000,623     53,030,711     25,775,973
Helen M. Thackray, M.D.   156,597,980     1,433,354      25,775,973
Richard J. Wallace        154,720,595     3,310,739      25,775,973

At the 2022 annual meeting, shareholders voted to approve an amendment to our restated articles of association (the “Amendment”) to increase the number of authorized shares of our common stock from 300,000,000 to 600,000,000 as follows:

For:                177,336,256
Against:              5,516,937
Abstain:                954,114
Broker Non-Votes:             0

At the 2022 Annual Meeting, shareholders voted to approve the amendment to the Stock Incentive Plan to increase the number of shares authorized to be issued thereunder by 13,000,000 as follows :

For:                138,996,544
Against:             17,993,078
Abstain:              1,041,712

Non-voting brokers: 25,775,973

At the 2022 Annual Meeting, shareholders voted, in an advisory capacity, to approve the compensation paid to our Named Executive Officers, as described in the Proxy Circular (referred to as the “Say on Pay Advisory Vote”). “) as following :

For:                154,412,592
Against:              2,163,585
Abstain:              1,455,157

Non-voting brokers: 25,775,973

At the 2022 General Meeting, the shareholders ratified the appointment of Ernst & Young LLP as the registered independent public accounting firm of the Company for the year ending December 31, 2022 as following:

For:                179,042,753
Against:              3,897,306
Abstain:                867,248
Broker Non-Votes:             0

Item 9.01 – Financial statements and supporting documents.

(d) Exhibits.

Exhibit No.                               Description

10.1 Employee, Director and Consultant Equity Amended and Updated 2018

            Incentive Plan.

104 Cover page interactive data file (integrated in Inline XBRL

            (eXtensible Business Reporting Language) document).

© Edgar Online, source Previews

BnSellit Technology Inc. Provides Operations Update and Announces Appointment of New Directors and Appointment of New Chief Financial Officer


Calgary, Alberta–(Newsfile Corp. – June 16, 2022) – BnSellit Technology Inc. (CSE: BNSL) (“BnSellit“or the”Company”) is pleased to provide an update on its operations related to the launch of its BNSL-Concierge platform (the “Platform“) in February 2022. As of June 16, 2022, the Company had placed the Platform in more than 30 hotels, representing more than 2,900 rooms. Hotels using the Platform include high-end boutique hotels in New York and Miami and also include properties tied to well-known hotel brands throughout Florida, New York, New Jersey and Southern Ontario.

“Faced with numerous challenges, including staffing issues and competition, hotel operators have expressed their urgent need to improve the guest experience while adding additional revenue to their operations. We have listened and adapted our technology, our business models and our processes to seize the opportunity.We believe that our hotel division will have a significant impact on revenue growth in the coming months as more and more hotels turn to BnSellit for the answer. will continue to generate revenue through transaction fees on guest purchases and experience reservations usage fees per room for BnSellit’s maintenance, housekeeping and virtual concierge services,” says Tony Comparelli – CEO , BnSellit Technology Inc.

Announcement of new directors and new CFO

The Company also announces that effective June 16, 2022, Mr. Evan Baergen and Ms. Charlotte Janssen have been appointed directors of the Company, and Mr. Corey Heerensperger has been appointed Chief Financial Officer of the Company, following the resignation of Mr. James Chepyha as Director and Ms. Sian Bolton as Chief Financial Officer of the Company.

Evan Baergen is a Chartered Professional Accountant and Director and Chief Financial Officer of Axiom Capital Advisors Inc. and has been active in a wide range of businesses spanning various industries including manufacturing, technology, consulting and services and more particularly with the implementation of advanced technology project leaders.

Charlotte Janssen is a lawyer specializing in providing business advice to business owners around the world and was previously a director of the Company. Ms. Janssen is a director of numerous private companies and community organizations and is past chair and board member of the International Law Section of the Canadian Bar Association and the Ontario Bar Association.

Corey Heerensperger has served in CFO and executive positions for public and private companies for over forty years, providing financial reporting, oil and gas forensic investigation and general consulting services to public clients. and private from the energy and hospitality sectors. Mr. Heerensperger holds a B.Comm. degree from the University of Alberta and is a Chartered Professional Accountant.

The Society thanks Mr. Chepyha and Ms. Bolton for their valuable contributions and wishes them good luck in their future endeavours.

For more information, please contact:

Antonio Comparelli, General Manager
Email: [email protected]
Tel: 416-720-8677

Neither the CSE nor its Regulation Services Provider (as that term is defined in the policies of the CSE) accepts responsibility for the adequacy or accuracy of this release.

To view the source version of this press release, please visit https://www.newsfilecorp.com/release/128110

Joyce devotees attend ‘funeral’ at Glasnevin Cemetery on Bloomsday – The Irish Times


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Resource Summary – June 16


The NT Independent provides you with up-to-date resource news from across the Northern Territory. This week, Emerson Resources is receiving $3 million in government grants for exploration projects at Tennant Creek, Lithium Plus is set to begin drilling at its flagship Bynoe project in the territory, and more.

Emmerson secures $3 million government grant for Tennant Creek exploration

Emmerson Resources (ERM) has received up to $3 million to fund its three exploration projects in the Tennant Creek mineral field in the territory.

Under the NT Government’s Collaborative Geophysical and Drilling Program, ERM will receive up to $3 million from the NT Geological Survey after the company submitted three bids for its gold-copper-cobalt and mineral projects. iron oxide.

The grant will be used for brownfield preservation of remaining magnetization and petrophysical targeting at Golden Forty South, brownfield diamond drilling at Golden Forty East, and brownfield targeting with a high-definition drone magnetic survey.

“Further discoveries in the Tennant Creek mineral field will benefit other explorers in the exploration hotspot,” said ERM Managing Director Rob Bills. “The awarding of three out of three co-funding grants is a testament to Emmerson’s scientific approach to exploration.”

ERM is the first company since 2008 to employ new exploration techniques, technologies and concepts, having consolidated a 1,706 km² package of properties at Tennant Creek.

Lithium to begin drilling at its flagship Bynoe project in the Northern Territories

Lithium Plus Minerals (LPM) will begin its drilling program at the Bynoe lithium project in the territory after its mine management plan was cleared by the NT Department of Industry, Tourism and Commerce for buildings EL31133 and EL31091 .

GeoDrilling, a Darwin-based contractor, will undertake 10,000 meters of reverse circulation (RC) drilling. The drilling phase is focused on the Lei and Cai prospects and is expected to take approximately four months to complete.

“We are delighted to have found a locally based drilling contractor with extensive experience in the Bynoe pegmatite field for the 2022 field season,” said LPM Executive Chairman Bin Guo. “With all permitting activities now complete, we look forward to the rapid mobilization of the RC rig at Bynoe and the start of drilling in the coming weeks.”

NT-focused Kingsland Minerals shares slide 15 cents on ASX debut

The worst-day listing on the ASX for two years has proven disastrous for Northern Territory-focused explorer Kingsland Minerals. Kingsland shares lost a quarter of their original offer value after closing at 15 cents per share on Tuesday, following an initial public offering that raised $4.7 million at 20 cents per share.

Kingsland chairman Mal Randall, however, is confident his shares will rebound given the potential of his land ownership.

The company is focused on its Allamber uranium and copper project in the territory near Pine Creek. It also holds three other NT projects at Shoobridge, Woolgni and Mt Davis which are potential for uranium, gold and base metals.

Kingsland’s management is made up of winemaker John Casella, corporate finance specialist Bruno Seneque and geologist Nick Revell. Kingsland is led by experienced geologist Richard Maddocks as managing director.

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Property damage firm says ex-consultant stole ‘library’ of data

By Kelcey Caulder (June 15, 2022, 6:13 p.m. EDT) — Young & Associates, a national property damage consulting firm, sued one of its former consultants and its new rival firm in federal court in Georgia on Tuesday, alleging that the consultant had stolen confidential files and misappropriated trade secrets in order to make his company more competitive at launch.

In its complaint, RL Young LLC, doing business as Young & Associates, alleged that its former consultant Michael Walker, a founding member of Undisputed Consulting LLC, transferred a “veritable library” of more than 30,000 confidential files to a external hard drive shortly before left the company in July 2021. He then used this hard drive…

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LIFEWAY FOODS, INC. : Changes to Chartered Accountant, Financial Statements and Supporting Documents (Form 8-K)


Item 4.01 Changes of Chartered Accountant

On June 8, 2022, Lifeway Foods, Inc. (“Lifeway” or the “Company”) has been notified by Mayer Hoffman McCann PC., its independent registered public accounting firm (“MHM”), that MHM would not seek reappointment following the completion of the ongoing audit of the Company’s financial statements for the year ending
December 31, 2021. However, MHM has informed the Company that it will continue to provide services to the Company within the financial quarters ended
March 31, 2022 and ending June 30, 2022 and September 30, 2022. The Company is working diligently with MHM to file its Form 10-K for the year ended
December 31, 2021 (the “2021 Form 10-K”) as soon as possible. Lifeway has begun the process of evaluating other independent registered public accounting firms to replace MHM and plans to appoint a new firm as soon as possible. MHM is committed to cooperating fully with the replacement company to ensure an orderly transition.

MHM’s audit reports on the Company’s financial statements for the years ended December 31, 2020 and 2019 did not contain an adverse opinion or disclaimer of opinion and have not been qualified or modified as to uncertainty, scope of the audit or accounting principles.

As indicated previously, the April 29, 2022the Audit and Corporate Governance Committee of the Board of Directors of the Company, after discussion with management and MHM, has concluded that the audited consolidated financial statements previously issued by the Company (i) for the year ended December 31, 2020and (ii) unaudited consolidated financial statements for the periods ended March 31, 2020, June 30, 2020, September 30, 2020, March 31, 2021, June 30, 2021and
September 30, 2021 (collectively, the “Affected Periods”) should be restated and no longer relied upon due to material errors in the recording of deferred income taxes related to indefinite life intangible assets associated with the 2009 acquisition of Freshly Made, Inc. The error resulted in a $1.18 million
undervaluation of deferred tax liabilities and goodwill of
January 1, 2020, but had no impact on the Company’s liquidity or cash position. The Company intends to restate the audited consolidated financial statements for the Relevant Periods (collectively, the “Restatement”) and to correct the related “Management’s Discussion and Analysis of Financial Condition and Results of Operations” in the form 10-K 2021 as soon as possible.

As part of the restatement, management has evaluated the Company’s internal control over financial reporting and has determined that a material weakness exists in the December 31, 2021, related to the fact that the company has not designed internal controls to identify and correct the errors mentioned above. Accordingly, the Company’s management has concluded that the Company did not maintain effective internal control over financial reporting at December 31, 2021. Management is currently evaluating the Company’s disclosure controls and procedures as of this date, but has not yet reached a conclusion. The Company will report the material weakness in the 2021 Form 10-K and is taking steps to address the related internal control deficiencies.

Over the years ended December 31, 2021 and 2020, and the following interim period until June 8, 2022there has been (i) no “disagreement”, as defined in Section 304(a)(1)(iv) of Regulation SK, between the Company and MHM on any matter of accounting principles or practices, financial statement disclosure or audit scope or proceeding which, if not resolved to MHM’s satisfaction, would have caused MHM to refer to the subject matter of the disagreement as part of its report for that year and (ii) no “Reportable Event”, as defined in Regulation SK Section 304(a)(1)(v), except for Restatement and Material Weakness in the Company’s Internal Control on the financial information mentioned above.

The Company has provided MHM with a copy of the disclosures it makes in this current report on Form 8-K and has requested that MHM provide the Company with a letter addressed to the Security and Exchange Commission indicating whether or not he agrees with the statements contained in this document. A copy of the letter from MHM, dated June 14, 2022is filed as Exhibit 16.1 to this current report on Form 8-K.

Item 9.01 Financial statements and supporting documents.

(d) Exhibits

Exhibit No.   Description

                Letter from Mayer Hoffman McCann P.C., dated June 14, 2022,
16.1          addressed to the Securities and Exchange Commission.
104           Cover Page Interactive Data File (formatted as Inline XBRL).

© Edgar Online, source Previews

California Pinot Noir pioneer Josh Jensen dies


Josh Jensen, founder of Calera Winery and pioneer of pinot noir in California, died on Saturday June 11 at his home in San Francisco. He was 78 years old.

“He was larger than life, a dreamer, an idealist, a generous spirit, a man devoted to his friends, his community and his family, and above all to the ideals of friendship, truth, fairness, good food and good wine, and stewardship of the land,” said his daughter, Silvie Jensen, who was with him when he died. “He will be sorely missed by all of us.”

His tumultuous journey to plant pinot noir atop Mount Harlan in the remote mountains east of California’s Salinas Valley was detailed in Marq de Villiers’ 1994 book, The Heartbreak Grape: A California Winemaker’s Search for the Perfect Pinot Noir. The quest began in Oxford, where Jensen studied social anthropology in the early 1970s. He fell in love with wine while touring Europe, eventually working the harvest at Domaine de la Romanée-Conti and Domaine Dujac in Burgundy. as well as at Château-Grillet in the Rhône Valley.

Upon returning to California, he spent nearly two years searching for true limestone soil, which he believed was essential to growing quality Pinot. He found it atop the 3,278-foot peak of Mount Harlan and planted three vineyards there in 1975. During those early years, he lived in a trailer with his wife and young daughter surrounded by nature. remote wilderness of the Gabilan Mountains, which straddle the border. of Monterey and San Benito counties.

After his first wines caught the eye in 1978, Jensen trademarked the Calera clone of Pinot Noir and planted three more vineyards. He expanded to small quantities of Chardonnay, Aligoté and Viognier, of which he was one of the first producers in California.

In 1990, he convinced the federal government that Mt. Harlan deserved its own designation as an American wine region, creating one of the only monopoly designations in the country. Wine critic Robert Parker called Calera “California’s Romanée-Conti” and Jensen achieved celebrity status in Japan after the popular manga, drops of godshowcased its wines.

In August 2017, Jensen, whose three children were uninterested in the wine business, sold Calera to the Duckhorn portfolio. “It’s wonderful, it really is,” Jensen told me that week. “I’ve considered this move for the past few years and at 73 I don’t have the energy I once had. I thought new faces and new blood would be nice, and they’re the best people to trust with my life’s work. They’re excited about a new business in a new area of ​​California for them, so it’s really mutually beneficial.

Image courtesy of Calera Winery

I have enjoyed the pleasure of Jensen’s company a few times. I once attended dinner at the World of Pinot Noir in 2016 when it was honored as a Rock Star of Wine. Never one to shy away from celebrating in style, Jensen was dressed in a cherry red leather jacket. As the wine flowed and the music sounded, Jensen danced with a broad smile.

On another occasion, I shared dinner with Jensen and a few other winemakers at the historic Dickinson House on the Eden Rift property, just a few miles from the Calera winery. He opened up old vintages, including a stellar 1987 Calera from Selleck Vineyard, and wowed us with stories from his life and career.

Brewer-Clifton’s Greg Brewer remembers the stormy evening in December 1992 when he first tasted Calera, specifically the 1987 bottling from Jensen Vineyard. “It changed my life,” says Brewer. “It set me on the path to including stem and naming gravity and block. Literally everything I’ve done since with Pinot Noir has tied into that aesthetic and the energy that he deployed long before me.

Brewer places Jensen alongside the late Burt Williams of Williams-Selyem atop Mount Rushmore of California Pinot Noir. “It was a generation of people who took Pinot from nothing in California to a real deal,” he says. “Without them, none of us would be able to do what we do today.”

“Josh came from the heart.” —Richard Sanford

Richard Sanford, who planted pinot noir at the Sanford & Benedict vineyard in Santa Barbara County in 1971, knew Jensen well. Decades ago, they met quarterly to “rip each other’s wines” in a group called the Small Winery Technical Society. “It was about pioneering and priming,” Sanford recalls. “We learned a lot from each other.”

They became friends and shared many meals around the world, including dinners laden with white truffles in San Francisco during the annual Pinot Days.

“Josh came from the heart,” Sanford says. “Even though he liked the plumage and the dress, there was also a more spiritual aspect to him. We loved him.

In 2007, Jensen hired Mike Waller, and he has been Calera’s winemaker ever since. “He was one of those guys that you go to work for and you don’t leave,” says Waller, noting that cellar master Abraham Corona has been at the winery for 35 years. “He was very generous with all of us. We were like an extended family to him.

Waller is now responsible for keeping Jensen’s dream alive. “I want to make sure I can continue that legacy,” Waller says. “I have a responsibility to keep Calera true to Josh’s vision.”

Jensen is survived by his three children, Silvie, Duggan and Chloe Jensen, and five grandchildren.

Pension warning: Accessing your fund could ‘disqualify’ you from receiving benefits | Personal finance | Finance


Many people will access their pension for retirement funds, but according to the latest research, one in 10 Britons do so because they need funds to pay off debt. People in debt may think that their pension is the only option, or an appropriate option, but this is not always the case.

Therefore, people aged 55 or over who are considering withdrawing money from their pension have received a stark warning from Royal London.

Along with other impacts, those receiving state benefits could be the most affected by this action.

Indeed, individuals may end up with a lower amount of benefits.

Some might even “disqualify” themselves from state assistance entirely if they take money out of their pension.

READ MORE: ‘My heart sank!’ 65-year-old woman on PIP loses £1,000 to vicious scam

Less money to live on in retirement can be a challenge unless a person has specifically planned how they manage their money.

Even so, emergencies and unexpected events may arise, for which additional funds may sometimes be required.

Those withdrawing a large lump sum or cash in their entire pension will also need to be aware of the tax implications.

People who do this can inadvertently push themselves into a higher tax bracket, which could be frustrating later in life.

For example, those who are basic rate taxpayers may pay tax at the higher rate following the withdrawal of their pension.

Along the same lines, Britons can generally receive up to 25% of their pension in the form of tax-free money.

However, it should be noted that the rest is taxable.

As a result, individuals may end up with less money than they originally planned, which could devastate retirement plans.

Any tax due is deducted from the money a person withdraws from their pension before receiving it.

Sarah Pennells, consumer credit specialist at Royal London, said: “How and when to withdraw money from your pension is a big decision and most people think about it very seriously.

“While most of us would love to retire debt-free, that’s not the reality for everyone, especially when we’re in the midst of a cost of living crisis.

“However, while withdrawing money from your pension to pay off your debts may seem like a good option, it’s not always the case.

“We recommend anyone worried about debt to go to a free charity like StepChange or National Debtline.

“There may be other ways to deal with debt that don’t involve blowing your pension and running out of money later in life.”

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Almost every business needs a financial advisor, investment advisor, business consultant, accountant, and insurance broker. People starting a new setup would find it difficult to search for so many employees. In addition, a new business requires proper strategy and planning. Beginners in this field may not be sure of their strategies and goals. bQuantum is an accomplished company that provides new business setups with the necessary professionals and networks. It effectively tailors a strategy and provides the essential tools and knowledge necessary for any business to reach new heights.

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Media Contact
Company Name: BQuantum Inc.
Contact person: Blake Wilkinson
E-mail: Send an email
Country: United States
Website: https://bquantum.io/

Why Carmen, an accountant from Cebu got off the hook for embezzlement, illegal use of public funds. The cases warn of how one becomes responsible for money or public property.


LATE JUSTICE. Criminal charges of embezzlement of public funds and unlawful use of public funds against Virginio E. Villamor and Dina C. Barriga, then mayor and municipal accountant of Carmen, Cebu, involved a total of less than P300,000, committed from 1995 to 1997 or 25 to 27 years ago.

It took almost three decades for justice to resolve the issue: the Sandiganbayan decision enacted on May 23, 2022 and announced more than a week later. This no longer surprises but still annoys and irritates the public concerned.

The accountability mechanism has once again failed because of the delay. The two accused public officers also failed to obtain justice as it (a) did not resolve the charge against Mayor Villamor – who died on December 25, 2008, prompting the Sandiganbayan to dismiss the charges against him – and ( (b) delayed Barriga’s acquittal and thereby denied him the justice that anyone charged with a crime deserves.

It turned out that no one was sanctioned for the loss of public money and/or its alleged abuse. And the cloud of doubt about two public officers has hovered over their lives for so long.

NO ‘UNORDERED DELAY.’ The Sandiganbayan acknowledged the delay – for eight years the cases did not move forward – and on June 29, 2017 ordered the dismissal of the charges against Barriga and then denied prosecutors’ motion to reconsider.

The state filed certiorari with the Supreme Court, which overturned the anti-corruption tribunal’s decision and ordered it to rule on the merits. The reason: Barriga herself was “not faultless” for the delay. Barriga, the SC found, was uncooperative and launched numerous motions and petitions to stop the proceedings against her.

Both the state and Barriga contributed to the delay, and she was not allowed to benefit from the “undue delay” principle, which allowed a number of officials, including a few from Cebu, to get away with it. pull.

GHOST DELIVERY, DEVERSION. Sums were allegedly illegally paid by the municipality of Carmen:

— in January 1996, over 23,000 pesos, for five rolls of polythene pipe for the city’s water system, allegedly paid to New Carmen Lumber for the city’s water system, but the money allegedly been used for an employee Christmas party;

— In November 1995, P1,305, for the source box of a barangay not covered by the city water supply project financed by the CVWSPTF or the Central Visayas Water and Sanitation Project Trust Fund;

— In January 1997, more than 267,000 pesos, for the construction and expansion of a water system, which was not covered by the same trust fund, CVWSPTF.

The town’s mayor and the town’s accountant were implicated in a case of embezzlement and two cases of illegal use of public funds.

Only the first expense was a case of phantom delivery: no pipes were delivered, the money would have been spent on a Christmas party for the “munisipyo” employees. The second and third counts related to the alleged use of funds for purposes not covered by the trust fund that paid for them.

WHAT HAS NOT BEEN PROVEN VS. ACCOUNTING. The anti-corruption court said ombudsman prosecutors failed to prove accountant Barriga conspired with Mayor Villamor. There was “no overt act” by Barriga, the ruling said. The overt act is the physical activity or act that indicates the “intent to commit” the crime.

Moreover, Barriga was not a responsible officer. His duty did not require “possession or custody of local government funds” to be “accountable and responsible” for their custody.

When does a public official become liable? Because of the nature of his duties or because of his involvement in the application or use of public funds. Accountant Barriga did neither, the Sandiganbayan ruled.

Barriga could never have been responsible at that time and therefore could never have committed embezzlement? Only if she (a) received public money that she was required to account for or (b) conspired with a responsible public officer to commit embezzlement or unlawful use of public funds.

Apparently neither has been proven by prosecutors. She did not misappropriate or consent, through abandonment or negligence, or permit another person to take public funds into her custody. The voucher did not show that Barriga received the money or used it to buy Christmas gifts or used it for personal purposes.

Her signature on the disbursement slip was apparently not sufficient to make her liable.

ON THE ALLEGED DISCHARGE OF FUNDS, or their unlawful use, Barriga escaped liability because there was no evidence that the money had previously been appropriated by law or ordinance for a specific purpose and had been diverted to another purpose . If erroneous billing occurred, it was not Barriga’s fault.

More destructive against the prosecutors’ case was that the Carmen Sanggunian did not issue an order for the use of the CVWSPTF. Apparently, it was not enough that when the money was uploaded to Carmen, it specified the source and the purpose. The Sandiganbayan shall mean the specification of the barangays for which they can be used. Mayor Villamor had testified that the ordinance did not say the money could not be used for other purposes.

DEFENSE OF THE MAYOR. Mayor Vllamor served the city, the court heard, for 13 years as mayor and three years as deputy mayor, cutting short his last term as chief executive when his health deteriorated and he was deceased. He testified that he technically did not embezzle the amounts, saying the order did not specify that the CVWSPTF could only be used for the “appropriate level of the project.”

An interesting part of his defense was that a mayor couldn’t read every document he signed; some he read in full, many others he didn’t. The mayor said he had to rely on aides and other public officials going through the documents. Villamor said he was aware of his liability arising from his signature, without which the money could not be released.

The Sandiganbayan decision no longer dwelt on the responsibility of the mayor after he dismissed the charges against him.

Local car enthusiasts build more than collections, they build communities


May 2022

We had the pleasure of chatting with Mike Simmons, Founder of the SILO Auto Club in Indianapolis, Jay Farmer, Motor District Manager in Westfield, and Chris Diasio, President of Putnam Park Road Course in Greencastle. These three car enthusiasts have something in common besides being enthusiasts and collectors: they are building a community that brings together current and future car collectors in a fun and unique way.

Simmons, Farmer and Diasio are thrilled to be the 15th year sponsor of Artomobilia, Indiana’s premier automotive event with a weekend of exhilarating experiences and its flagship event taking place in the heart of Carmel, Indiana .

We spoke with each of the three aforementioned sponsors about their respective properties and the enthusiast/collector culture they are building.

SILO Auto Club – Indianapolis

What started as a necessity for car storage has grown into a passion to bring car enthusiasts together for a more social aspect of car collecting. Simmons moved from Zionsville to downtown Indianapolis and wanted easy access to his vintage cars. He bought a building that had more space than he needed, and the SILO Auto Club was established soon after. Today, the club has become a dynamic and trendy social club for its members.

“We ended up building the club, putting in a kitchen and getting a liquor license,” Simmons explained. “We are a private club for car enthusiasts. We have members in the Lockerbie area and throughout downtown who have relatively expensive real estate, but no room for car storage. We also have people from Fishers, Carmel, Zionsville, down south and everywhere keeping their cars at the club. We also regularly organize several events at the club. »

The SILO welcomes a new series, “The Pitz’ Stop with John Pitz”, in collaboration with the co-founder of Artomobilia, John Pitz.

“We’re starting to do more events with music, and we asked John [Pitz] to help us,” Simmons shared. “He’s such a great guy, and we’ve started sort of a monthly series where we’ll do car-focused panels and interviews. The first one was with John and Paul Page, which was a lot of fun. We could do some around vintage races, rallies and around [car] collection. So, the series will be an automotive enthusiast themed topic each month as we move forward.

The SILO Auto Club houses 60-65 cars in its main facility, and Simmons shared that they recently expanded into another building just down the street that can house an additional 40-50.

“We are looking at potentially expanding the building and looking at other storage options in the building,” Simmons said. “As we come out of COVID, we’re starting to think about [expanding] a little more proactively.

For more information about SILO Auto Club, visit siloautoclub.com/silo-auto-club-conservancy/.

Automotive District – Westfield

The Motor District strives to be the center of gravity for Hamilton County’s automotive community” with our 12-acre campus and the 13 buildings we have planned that will house 120-150 garages for collectors, enthusiasts and enthusiasts. of all types. The campus also includes three supporting commercial buildings. Motor District is a unique place that meets the community and lifestyle needs of those who are passionate about their interests,” Farmer said. “Without exception, it’s the perfect home for automotive enthusiasts, but it will also be a community for many other interests, hobbies and passions – motorcycles, boats, RVs, ATVs and home office, urban cabin or getaway.”


This spring, Motor District opened its Phase 2 buildings which will be completed by summer. “Phase 2 buildings have a new variety of sizes and configurations,” Farmer said. “The pace of interest and sales in Phases 1 and 2 indicates that we are on the right track.”

The Motor District is more than just storage; it offers a private and secure community that its customers own and customize to meet their needs and the needs of their families. “As a result, we are seeing a wide variation in builds and uses, some focused on display and entertainment of collections, others on recreation and still others on the practicalities of expanding the footprint of your primary residence,” Farmer shared. “From an investment/financial perspective, Motor District ownership makes a lot of sense compared to the alternatives, both financially and practically. Motor District makes it super easy to own and customize with everything you need and nothing you don’t; the ability to own and access a space at any time is compelling.

The Motor District is an ideal community venue for all types of events, not the least of which are automotive related. “We are expanding our events that we host weekly beyond our open days with partners like Pristine Auto Spa, Hagerty, Dynamat and others, to include Cars & Coffee – we call it Mocha District – Garage Club events and even IndyCar and Formula 1 Watch Parties,” Farmer said. “You will also see our owners hosting an increasing number of private and public events in their spaces. funds for a local children’s charity and included Indy 500 winner Tony Kanaan.

For more information on Motor District, visit motor-district.com and view the photo gallery.

Putnam Park – Greencastle road course

Putman Park is more than a race track for racing teams, auto clubs and enthusiasts. This is a 200+ acre park and country club for members, and they also host social events for members and their families. Additionally, Putnam Park offers on-site storage for car collectors. Diasio shared what makes his circuit, facilities and garages unique from others in the area.

Sponsors Artomobilia 2022

“Putnam Park isn’t just for racing,” Diasio stressed. “It’s for car clubs and car enthusiasts. Even though it’s 30 miles west of Indy, it’s still a big part of local car enthusiasts, especially in Zionsville, Carmel, north and south Indianapolis. We have a lot of people interested in our facilities. We have everything from Hondas to Exotics racing together. Groups are based on your experience level, not necessarily your car speed.

Diasio shared that his goal was to get a lot of people who own great cars to pull their cars out of their garages and take them to the track at Putnam Park to “stretch their legs.”

“What I’m really trying to do is attract people who aren’t necessarily interested in ‘track days’, but people with nice cars who just want to stretch their legs and don’t care. no lap times,” Diasio said. “You can do it in a safe environment, at least a few times a year, and enjoy the car it was designed for. I don’t think Enzo Ferrari designed these cars thinking, ‘God, I hope that they stay in garages and never get driven, that would be my ideal situation!”

Diasio also talked about the social aspect of his racetrack and clubhouse.

“It’s also about the social aspect of the club,” Diasio said. “Members go out, drive the track, then they go hang out at the clubhouse, ride the simulators, play pool, have a drink at the [clubhouse] bar and talk about cars, work and life. We have members with Mustangs and members with Ferraris. They all have their own passions, but just like at Artomobilia, we all come together because we love cars.

Putman Park also offers air-conditioned garages with top-notch televisions and security systems.

“I don’t build old-fashioned private garages anymore,” Diasio explained. “You isolate yourself. I opened this ‘open concept’ garage in 2020 which holds 12 cars – six and six – and you are surrounded by all these beautiful cars. It’s like you’re in your own little [car] museum. We are also different in the way we build our garages. It’s all concrete block construction. Race teams love our garages because they are top notch garages that other tracks considered great tracks don’t have. The teams have a great working environment and they feel comfortable.

For more information about Putman Park, visit putnampark.com.

2022 Optifuel Fuel Saver Review: US, CANADA UPDATE!

Canada: Manufacturers are currently engaged in manufacturing green technologies that will help improve our environmental living condition as well as redress the drastic impact of our climate depletion due to growing ecological consciousness.

According to outsourced research, every gallon of gasoline saved causes 19.4 fewer pounds of CO2 poisons to be emitted into the sky, reducing the country’s reliance on crude oil.

Manufacturers have developed plug-in, plug-and-play green technology that performs two key roles in your vehicle. This pre-programmed green technology helps people save money on gas by reducing fuel consumption, as well as improve their vehicle’s performance by boosting their electronic control unit (ECU) to increase horsepower and torque. Reduce your fuel consumption by up to 35%

Optifuel fuel saver is available at a discount, get yours now

There is perhaps no better time to consider getting the OptiFuel than now. The world is undoubtedly facing difficult times. The world is still feeling the effects of the covid-19 lockdowns on the economy in the form of inflation and interest rates. Supply chains are affected and a dispute persists over oil supply. It is now more difficult to refuel cars due to high prices. However, with a device like OptiFuel, individuals can have an effective way to save significantly on fuel.

What is OptiFuel FUEL SAVER?

The Optimuel Fuel Saver has a new design with its sleek frame and is marketed as a durable and strong fuel saver, built with quality and efficiency in mind. In terms of size and weight, the Optifuel is a slender gadget. Its light and compact dimensions make it easy to fix in a car. It also takes a small space to fit and work in a car. The device operates effortlessly to help users reduce their fuel consumption.

This product is an ingenious fuel-saving technology that is simple to install and immediately begins tweaking a vehicle’s Electronic Control Unit (ECU) to reduce fuel consumption. OptiFuel has been dubbed “The Fuel Saver” by many because with OptiFuel anyone can make their car fuel efficient.

Optifuel fuel saver is available at a discount, get yours now

The manufacturer of OptiFuel guarantees that the components that make up this device are of the highest quality, eliminating any possibility of the device harming a vehicle’s performance. This device is said to be free of potentially harmful elements, such as gases and synthetic compounds. OptiFuel is a device that is attached to a vehicle to improve the car’s fuel efficiency. The manufacturer claims that with OptiFuel, cars only go up to 22MPG instead of the usual 16MPG without the device.

The OptiFuel fuel saver should be able to withstand any faults that may be induced by water, residue or other corrosive agents.

How does OptiFuel work?

The Optifuel Saver is an advanced eco-friendly device that helps a person reduce and regulate their fuel consumption.

The technique for using/installing these devices is described in five steps:

The first step is to cut the contact. You then remove your car key from the ignition.

The next step is to locate your vehicle’s unique OBD2 port. Once a person has located their OBD2 socket, they can plug in the Optifuel Saver.

Turn on your car and insert your key. Just enough to power the dashboard.

Press the reset button for about five seconds after turning the keys to turn on the dashboard lights. Then wait for the Optifuel Saver to talk with your vehicle’s OBD2 and establish a connection with your ECU system for 30 to 54 seconds.

Optifuel fuel saver is available at a discount, get yours now

Start your engine after waiting for the gadget to interact with your OBD2. After driving 200 km/150 miles, the Optifuel Saver will recognize your car and adapt to your driving habits to help you reduce and regulate your fuel consumption.

Benefits of OptiFuel

The benefits of OptiFuel, as popularized by the manufacturer, are discussed below:

Save money on fuel

OptiFuel Fuel Saver is a device intended to help individuals save money usually spent on gasoline by reducing the amount of fuel a car uses without requiring individuals to make expensive modifications to their vehicles.

Improve a vehicle’s ECU system.

The OptiFuel Fuel Saver, when installed in a car, has the ability to reprogram the vehicle’s Electronic Control Unit (ECU) system. This action allows the device to improve the fuel efficiency of the vehicle by 15 to 25%. The benefits don’t end there, as remapping would add 35% more horsepower and 25% more torque to the vehicle. The good thing is that almost all car owners have the opportunity to benefit from this device, since almost all cars are manufactured with an Electronic Control Unit (ECU) system.

Optifuel fuel saver is available at a discount, get yours now

Compact and with low weight

With the Fuel Saver, users won’t have to worry about connecting anything big and bulky inside the car, which can be a nuisance. This is because the fuel saver is designed to be completely hidden. In addition to its small size and low weight, this device is very simple to install and much easier to hide once in place.

Supports the fight against climate change

By choosing to use the OptiFuel fuel saver, individuals can actively contribute to reducing harmful carbon pollution produced by transport. OptiFuel is known to minimize the amount of gasoline used by vehicles, which means people refuel less frequently.

Simple to use

This gadget can be set up with little effort. Individuals just need to follow the concise and simple step-by-step guide that comes with the device. In 6 simple steps, the OptiFuel fuel saver will be in place and users will start enjoying the benefits of this device. Once a vehicle’s OBD2 port has been located, the most difficult part has been done. The vehicle manual or OptiFuel instruction manual can be consulted to find the location of the OBD2 port.

Strong compatibility

The Fuel Saver is compatible with the vast majority of automotive makes and models manufactured in 1996 and later.

OptiFuelPricing and Money Back Guarantee

OptiFuel is currently being sold at a 60% discount on the official website. The manufacturer markets this device in 3 packaged offers as explained below:

1 unit of OptiFuel: currently sold at $49.99 instead of the original price of $125

3 units of OptiFuel: sold at $39.99 each. This package saves users $180.03

5 units of OptiFuel: sold at $29.99 each. Buyers can save up to $224.90 on this package

OptiFuel Returns and Exchanges

An RMA number must be obtained before a return can be processed. To receive your RMA, please contact the OptiFuel customer service team:

Last words

Technologies that reduce fuel consumption are useful for any vehicle, equipment or combustion engine. These fuel-saving technologies come in many sizes, and manufacturers claim they can significantly reduce the amount of gasoline used by vehicles. The OptiFuel fuel saver is ultimately a device that can help reduce the amount of money spent on gasoline by an individual and the amount of fuel used by a vehicle.

A vehicle’s gas mileage can be reduced without compromise by using an effective fuel saver. Some fuel savers are only known to reduce a car’s acceleration to save fuel. Others improve a vehicle’s fuel economy by making adjustments to a variety of electrical components. However, with OptiFuel, users can enjoy fuel economy without compromising vehicle power, acceleration and torque.

To enjoy the benefits of OptiFuel, click here to place your order now! >>>


EcoPlus review – Does it really reduce fuel consumption or rip it off?

Affiliate Disclosure:

Links in this product review may result in a small commission if you choose to purchase the recommended product at no additional cost to you. This serves to support our research and writing team. Know that we only recommend high quality products.


Please understand that any advice or guidance revealed here does not even remotely replace sound medical or financial advice from a licensed healthcare provider or certified financial advisor. Be sure to consult a professional doctor or financial advisor before making any purchasing decisions if you are using any medications or have any concerns from the review details shared above. Individual results may vary and are not guaranteed as statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The effectiveness of these products has not been confirmed by the FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any type of enrichment program. Reviewer is not responsible for pricing inaccuracies. See the product sales page for final prices.

Optifuel fuel saver is available at a discount, get yours now

News in brief


Merger of accountants makes 8th place

Two regional accounting firms have combined their activities to create the 8th largest firm in the country, which will be known as Forvis.

Forvis is a combination of BKD of Springfield, Mo., and Dixon Hughes Goodman of Charlotte, NC. The company, which will operate in 27 states, the UK and the Cayman Islands, will be led by chief executive Tom Watson, who was BKD’s chief executive. senior leader.

The company has offices in Little Rock, Fort Smith and Rogers with a satellite office in Pine Bluff.

“For years, BKD and DHG have built strong reputations as professional, high-value customer service companies,” Watson said in a statement. “We have established complementary geographic footprints and strong capabilities in a range of critical service areas. Together, as one organization, we will deepen our team even further, allowing us to continue to serve our existing customer base while providing the resources needed to serve a growing upstream customer base.”

Forvis will have 5,400 employees and approximately $1.4 billion in revenue.

— André Moreau

Starbucks is investigating restroom throttling

Starbucks plans to close its restrooms to the general public, reserving its restrooms for latte-drinking customers.

Howard Schultz, chief executive of the coffee giant, revealed the company’s intentions during a conversation with the New York Times DealBook DC policy forum on Thursday, citing a growing mental health issue and staff safety among the reasons. of the decision.

“We serve 100 million people at Starbucks,” Schultz said. “There is a security issue in our stores in terms of people using our stores as public restrooms.”

Keeping Starbucks employees and customers safe is also important to Schultz to ensure both groups are satisfied and protected, he said.

“We need to strengthen our stores and keep our employees safe,” he told The Times. “I don’t know if we can keep our bathrooms open.”

The decision would reverse a 2018 policy implemented by the company that opened its stores to anyone after two black men were arrested at a Philadelphia location. The men were at the store for a business meeting when one of them asked to use the restroom. A manager told him that the restrooms were for paying customers only.

— The Washington Post

The index falls from 18.19 to end at 766.39

The Arkansas Index, a price-weighted index that tracks the largest state-based public companies, closed Friday at 766.39, down from 18.19.

Shares of Walmart Inc. rose less than 1% to top the index. Shares of Dillard’s Inc. fell 12.3%.

The index was developed by Bloomberg News and the Democrat-Gazette with a base value of 100 as of December 30, 1997.

Tucson is a great place for outdoor enthusiasts


TUCSON, Ariz. (KGUN) — A new study ranks Tucson as one of the best places in America for outdoor enthusiasts looking to live and work in an area they can also enjoy.

SmartAsset looked at all 50 states to see which offered the best options.

According to their study, Arizona ranks 17th.

The fintech company reviewed the following categories:

  • Habitability
  • Air pollution
  • Use
  • Outdoor access
  • Equity to income ratio
  • Coverage of national and regional parks
  • State Outdoor Recreation Economy
  • Five-year change in median household income

Although Tucson does not have a large amount of urban space set aside for park purposes, 5.2% of the local population walks and bikes.

This study also took into account Tucson’s unemployment rate of 2.8% in March 2022.

St. Petersburg, Florida landed at the top of the list.

These statistics used data from Zillow, the Bureau of Labor Statistics and the US Census Bureau to assess each point.

Caleb Fernandez is a digital content producer for KGUN 9. After earning his bachelor’s degree from Penn State in Advertising/PR, Caleb went to New York where he learned production assistance, photography, and art direction. Share your story ideas and important issues with Caleb via email [email protected] or by connecting to LinkedIn, Instagram, and Twitter.

5 tips for choosing and working with a recruiter


Finding talent these days is extremely difficult. With more open positions than job seekers, hiring managers need to get creative to find the right people. Making the best impression, sending the right message and reaching the target audience before a competitor is not easy, even under normal market conditions.

As more companies decide to hire a staffing agency to meet their hiring needs, here are some tips for getting it right.

1. Choose a specialist

There are thousands of recruitment agencies in North America, some of which only focus on a certain segment – executive search or temporary placement solutions, for example. Other agencies specialize in a certain industry, such as manufacturing, retail, or finance. When a hiring manager decides to hire a consultant, I always recommend hiring a specialist, as they know your industry well, understand common jargon, and likely have access to a solid pool of candidates. Additionally, passive talent will be more likely to engage with a specialist recruiter.

2. Bigger or smaller

There is a constant debate about whether recruitment agencies are bigger or smaller. There are pros and cons on both sides. Large companies have more flexibility in terms of payment, and they may have more bandwidth than a small consultant. Meanwhile, smaller, more specialized agencies may be more specialized and use non-traditional search methods such as artificial intelligence (AI) and social media to find talent. In addition, they can offer a more personalized approach to their clients and candidates.

3. Work with just one

In a candidate-driven market, nothing is more annoying than two or more recruiters reaching out to talent for the same role. Imagine for a moment that you are a data scientist with a niche. You receive calls and messages from recruiters almost every day, whether or not you are looking for a new job. You’re already annoyed by the constant stream of inquiries, but mentioning the same positions at the same companies just makes you ignore everything.

4. Negotiate good terms

Recruiters like clients who can give them more than one assignment, but that doesn’t mean you should immediately assign more than one position to an agency. If you negotiate what is called a framework agreement, it will show that you are ready to give them more work if they perform well. A framework agreement can be canceled at any time, but while it’s in place, you can reap the benefits of potentially better rates and a faster turnaround time if you have pressing hiring needs.

5. Prepare your recruiter for success

A recruiter cannot deliver great results unless you are fully invested in the process. In other words, don’t just send a job description to a recruiter and expect them to fill your role. It should be a partnership – the more you share, the more they can help you. Be prepared to spend time talking about your company, its culture, and the position. Make sure to always provide prompt feedback. Finally, treat your recruiter as a trusted consultant. If they share something with you about the candidate, listen.

Partnering with the right recruitment consultant can save recruiting managers a lot of headaches, time and money. There is currently a war for the best talent, and finding a messenger to identify and hire the best candidates is far from easy. These days, there are no second impressions; job seekers have many choices, and mitigating the risk of losing the best of them is crucial.

V4 RC drone review: Affordable drone to capture high-quality video?

V4 RC drone review: Affordable drone to capture high-quality video?


Drone technology is quickly becoming a staple for artists, videographers and photographers looking to capture the beauty of their surroundings. No matter where you live or what kind of weather you encounter, there is always something to capture with a drone. It can be the sky, cloudscapes, ocean waves, wildlife, people, etc.

In other words, drones offer the possibility of having new experiences with your friends and family while having fun. However, before thinking about buying one, there are a few things you need to consider such as user-friendliness, cost, features, etc.

The thing is, there are so many different types of drones on the market, and you could quickly get confused about what to buy. Remember that not all drones will give you the same quality of images and video results. This is why we introduce the V4 RC Drone to make your job easier when selecting the best drone. This review will walk you through its features to determine if this drone is worth buying.

What is RC Drone V4?

V4 is a unique drone designed to help you get an overview of your surroundings. The RC drone is easy to use, and even if you have never used a drone before, you will be able to fly this drone without stress. The drone comes with a one-key return function, which means you can never lose your drone because the key allows the drone to return automatically. When you fly your RC drone, you will manage to see everything on your phone because it has mobile app control. It makes your drone experience convenient and easy, letting you enjoy every moment of flying the drone.

It is also worth mentioning that RC Drone is durable and lightweight which means you can carry it anywhere you go. The fact that it is also easy to control and can be raised, lowered, moved forward, backward and rolled 360 degrees makes this drone worth every penny. Another thing that sets this drone apart is that it captures wide areas and can even be used at night thanks to its night light feature. The V4 RC drone can make a great gift for anyone, regardless of age.

What are the features of the V4 RC drone?

RC Drone manufacturers advertise their drones with the following features;

Camera: According to the official website, the V4 RC drone has a 120-degree wide-angle 4K HD camera that captures high-quality videos and photos. Its camera resolution is 720P/1080P/1080P HD dual camera.

Gravity sensing: This function allows you to unlock the heavy force sensing control for a better deep dive flight experience.

Follow flight mode: This feature allows you to choose the route you want and take high quality photos and videos. V4 is equipped with dual cameras with 720P/1080P resolution. This allows you to clearly capture a wide area.

Foldable arms and WIFI function: The V4 RC drone is easy to use and transport as you can fold its arms for safe storage and transportation. Its high hold mode function allows it to be stable during flight. Another thing is that it has WIFI function, which can be connected through APK or APP system, so you can take real-time videos and photos.

Quadcopter Battery: V4 RC Drone also has a battery that works well and can last for hours. This drone uses a 3.7V 1600mAh lithium battery.

What Customers Are Saying About The V4 RC Drone

So far, 790 units of RC drones have been sold, and many customers are satisfied with their purchases. In reality, RC drones are in high demand due to their functionality, and so far there are only 78 units left. Several customers agree that this drone is amazing and provides users with exactly what they need.

Ralph is a customer who says he tested the V4 drone and exceeded his expectations. He also says his kids love using the drone and look forward to flying it every day. According to Ralph, the drone is very responsive and it doesn’t take long to respond to your actions.

Janet is another customer, and she says RC Drone is her first drone, and she’s happy that it’s easy to fly. She says the controls are easy to learn and use, and the camera works great too. She recommends this RC drone to other customers.

How should I buy the V4 RC drone?

If you are interested in buying the RC drone, please visit the official website before the stock runs out. The process of ordering your RC drone is very simple. Simply select your preferred quantity, enter shipping information, and fill in your payment information. Here’s how RC drone prices break down;

  • 1 RC DRONE @ $99.95 + free shipping
  • 2 RC DRONE @ $69.95 each + free shipping
  • 3 RC DRONE @ $59.95 each + free shipping

All plans are 100% risk-free as they are backed by a 30-day money-back guarantee.

(SPECIAL DISCOUNT PROMO) Click here to buy the V4 RC drone at a special price today! >>>



Affiliate Disclosure:

The links contained in this product review may result in a small commission if you choose to purchase the recommended product at no additional cost to you. This serves to support our research and writing team. Know that we only recommend high quality products.


Please understand that any advice or guidance revealed herein does not even remotely replace sound medical or financial advice from a licensed health care provider or licensed financial advisor. Be sure to consult a professional doctor or financial advisor before making any purchasing decisions if you are using any medications or have any concerns from the review details shared above. Individual results may vary and are not guaranteed as statements regarding these products have not been evaluated by the Food and Drug Administration or Health Canada. The effectiveness of these products has not been confirmed by the FDA or Health Canada approved research. These products are not intended to diagnose, treat, cure or prevent any disease and do not provide any type of enrichment program. Reviewer is not responsible for pricing inaccuracies. See the product sales page for final prices.

The news and editorial team at Sound Publishing, Inc. played no role in the preparation of this post. The views and opinions expressed in this sponsored post are those of the advertiser and do not reflect those of Sound Publishing, Inc.

Sound Publishing, Inc. accepts no responsibility for any loss or damage caused by the use of any product, and we do not endorse any product displayed on our Marketplace.

Irish lawyers, accountants and service firms split €900m in SPV costs – The Irish Times


Irish lawyers, accountants, bankers and business services firms generated more than €900m in fees last year from debt collection special purpose vehicles (SPVs), an area of ​​the shadow banking center of Dublin which has recently attracted attention due to its use by Russians. businesses.

Ireland-based SPVs paid a total of €3.3 billion in financial and professional services fees last year, the Central Bank said on Wednesday. This equates to 0.32% of the approximately €1,030 billion in assets held in these vehicles. Some €913m of the fee was paid to Irish resident companies, of which €1.06m went to UK companies, he said.

Section 110 of the tax laws introduced in 1997 to incentivize companies to set up SPVs and make the state a global financing and fundraising hub has made the country one of the world’s largest locations for the activities of SPV. Most of the assets in SPVs were corporate loan pools, mortgages, and investment fund-linked financing vehicles.

While the vast majority of Irish SPV assets have little to do with the national economy, the sector is a significant cost driver for professional services firms.

Irish SPVs have been used by Russian-linked entities to raise around €135 billion in funding since 2005, James Stewart, assistant professor of finance at Trinity College Dublin, told the Oireachtas finance committee this week. last during a hearing focused on the use of these vehicles by Russians. entities in the past.

The Central Bank said in March that €35.5 billion in assets held in Ireland’s 33 Russia-linked SPVs at the end of last year was less than 4% of the total held in all Irish SPVs. Most of them are linked to entities that are now subject to EU sanctions stemming from either Russia’s invasion of Ukraine earlier this year or its 2014 annexation of Crimea. .

Vehicle assets linked to Russia are understood to make up the bulk of what the Central Bank referred to as “external financing” entities in Wednesday’s note. A table in the document indicates that these SPVs paid up to €20 million in fees last year.

Professor Stewart told the Finance Committee last week that there needed to be an EU-led effort to regulate SPVs in financial centers such as Dublin, given the often shadowy activities carried out by such companies.

He said the unregulated nature of SPVs, which are part of the so-called shadow banking world, pose incalculable risks to the wider international financial industry. He said the ultra-tax-efficient status of SPVs should be removed first.

Bachelorette contestants REVEALED: 32 men vying for Rachel and Gabby’s hearts


The 32 men out to steal the hearts of Rachel Recchia and Gabby Windey in season 19 of The Bachelorette have been revealed.

Among them are a mental coach, a magician, twins and, above all, a meatball enthusiast.

Rachel and Gabby are the first double Bachelorettes in history, having been announced as a duo during the season finale of The Bachelor.

Announcement: The 32 men looking to steal Rachel Recchia and Gabby Windey’s heart in The Bachelorette season 19 have been revealed (pictured March 2022)

Getting in the right mindset: Chris is a 30-year-old mindset coach from Redondo Beach, California

Magic in the air?  Roby, 33, is a magician from Los Angeles, California.

Getting in the right mindset: Chris is a 30-year-old mindset coach from Redondo Beach, California

The mindset coach is Chris, 30, of Redondo Beach, Calif.

Roby, 33, is the magician from Los Angeles, California.

This season’s Bachelorette will also see a family feud on national television with 24-year-old twins Justin Y. and Joey from Brookfield, Connecticut going head-to-head on the show.

James from Winnetka, Illinois, is a 25-year-old meatball enthusiast who will also take center stage in the program.

Not much info: Not much is known about Joey, 24, other than he's a twin

Perfect copy: Justin Y. is 24 years old and lives in Brookfield, Connecticut

Seeing double: A set of twins will both be looking for true love this season of The Bachelorette

He loves meats: James from Winnetka, Illinois, is a 25-year-old meatball enthusiast who will also take center stage in the program.

He loves meats: James from Winnetka, Illinois, is a 25-year-old meatball enthusiast who will also take center stage in the program.

Aven, a Southern California native, a 28-year-old sales manager from San Diego, and 23-year-old bartender Brandan from Carlsbad, Calif., will both be on the show.

Sales manager Colin, 36, will represent Chicago, Illinois as he pursues bliss forever.

New Jersey real estate analyst Erich, 29, and advertising executive Ethan, 27, of New York, also made the cut.

Four Floridians were on the list, including Hayden, 29, a recreation executive from Tampa, and Johnny, a 25-year-old realtor from Palm Beach Gardens.

Selling himself: Aven is a 28-year-old sales manager from San Diego

The drinks are coming: Brandan is a 23-year-old bartender from Carlsbad, California

Beach bums: A pair of rural San Diego natives are both ready to find love

Windy City: Sales manager Colin, 36, will represent Chicago, Illinois as he searches for happily ever after

Windy City: Sales manager Colin, 36, will represent Chicago, Illinois as he searches for happily ever after

Portfolio: Erich, 29, is a real estate analyst from New Jersey

Sell, sell, sell: Advertising executive Ethan, 27, from New York also made the cut

East Coast contestants: Erich and Ethan are just a pair of East Coast contestants ready to compete

Living relaxex: Hayden, 29, is a recreation executive from Tampa

Selling sunshine: Johnny is a 25-year-old real estate agent from Palm Beach Gardens

Well represented: Four Floridians finally made the show

Software developer Jordan H., 35, also of Tampa, and 25-year-old life coach Quincey, of Miami, wrap up The Sunshine State contestants.

Jacob, 27, is a mortgage broker and the only contender from Arizona to make the cut this year.

While Rachel and Gabby are looking for a real connection, they might also want a man who has some money to their name that they will get from 30-year-old Jason, an investment banker from Santa Monica.

Tennessee resident John, 26, may be able to quote poetry for lovely ladies thanks to his experience as an English teacher.

Coding: Jordan H., 35-year-old software developer from Tampa, got it right

Teaching: As life coach Quincey, 25, of Miami did

Two more: Jordan H. and Quincey rounded out The Sunshine State candidates on the list

Loan Arizonan: Jacob, 27, is a mortgage broker and the only successful Arizona competitor this year

Loan Arizonan: Jacob, 27, is a mortgage broker and the only successful Arizona competitor this year

Lots of money: While Rachel and Gabby are looking for a real connection, they might also want a man who has some money to his name which they will get from Jason, 30, an investment banker from Santa Monica

Lots of money: While Rachel and Gabby are looking for a real connection, they might also want a man who has some money to his name which they will get from Jason, 30, an investment banker from Santa Monica

Shakespeare: Tennessee resident John, 26, may be able to quote poetry for lovely ladies thanks to his experience as an English teacher

Shakespeare: Tennessee resident John, 26, may be able to quote poetry for lovely ladies thanks to his experience as an English teacher

Zoom in: Jordan V. is a 27-year-old Georgia peach and dragster who will try to zoom into the hearts of the Bacehlorettes

Zoom in: Jordan V. is a 27-year-old Georgia peach and dragster who will try to zoom into the hearts of the Bacehlorettes

Good with his hands: Justin B. of Solana Beach will almost certainly give the best massages with his experience in physiotherapy

Good with his hands: Justin B. of Solana Beach will almost certainly give the best massages with his experience in physiotherapy

Jordan V. is a 27-year-old Georgia peach and dragster who will attempt to zoom into the hearts of the Bacehlorettes.

Justin B. of Solana Beach will almost certainly give the best massages with his experience in physiotherapy.

Kirk, 29, of Lubbock, Texas, and Alec, 27, of Houston, will get a chance to show the ladies if everything really is bigger in The Lone Star State.

Kirk is a college football coach and Alec is a wedding photographer.

Capturing Beautiful Moments: Alec is a Wedding Photographer

Yes coach!  Kirk is a college football coach

Bigger? Kirk, 29, of Lubbock, Texas, and Alec, 27, of Huston, will get a chance to show the ladies if everything really is bigger in The Lone Star State.

Video shooting: Logan is a videographer

Import/Export: Matt is a Shipping Manager

American’s Finest City: Logan, 26, and Matt, 25, will get a chance to talk about local landmarks as they’re both from San Diego

Getting reps: Mario is a 31-year-old personal trainer from Naperville, Illinois

Getting reps: Mario is a 31-year-old personal trainer from Naperville, Illinois

Selling drugs (legal): Michael is a 32-year-old pharmaceutical salesman from Long Beach

Selling drugs (legal): Michael is a 32-year-old pharmaceutical salesman from Long Beach

Do you feel the electricity?  Nate is a 33-year-old electrical engineer from Chicago.

Do you feel the electricity? Nate is a 33-year-old electrical engineer from Chicago.

Videographer Logan, 26, and Marine Director Matt, 25, will have the opportunity to talk about local landmarks as they are both from San Diego.

Mario, a 31-year-old personal trainer from Naperville, Illinois, Michael, a 32-year-old pharmaceutical salesman from Long Beach, Calif., and Nate, a 33-year-old electrical engineer from Chicago, will all appear on The Bachelorette this year.

So did investment manager Ryan, 36, from Boston, army officer Spencer, 27, from Chicago, and Termayne, 28, who is described as a “crypto guy” from Naperville, Illinois.

Tino, a 28-year-old general contractor from Playa Del Rey, Calif., Tyler, a 25-year-old small business owner from Wildwood, New Jersey, and Zach, a 25-year-old technology executive from Anaheim Hills, in California, complete the list of participants in this year’s program.

Winston’s White & Case Nabs London Private Debt Pro

By Ashish Sareen (June 7, 2022, 6.54pm BST) – White & Case LLP has recruited a banking specialist in London from Winston & Strawn LLP to better advise the increasingly sophisticated private debt funds that flourished after the reforms of the financial crisis prompted the big banks to lend more cautiously.

Monica Barton, who joined the firm as a partner on May 24, told Law360 on Tuesday that her move to White & Case would allow her to better serve clients as part of a specialist team. Loan funds lent far more money than before in more complex transactions.

“What they need in front of them are lawyers who…

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Schools would likely withstand a recession; should the state budget for one?

Photo by Allison Shelley for EDUimages

Uncertainty of an economic slowdown will complicate negotiations as Gov. Gavin Newsom and legislative leaders head toward a June 15 deadline to pass a state budget. The good news, at least for schools and community colleges, is that even if state revenues were to fall, they would be in a much better position to deal with a major downtown area than in the past – for foresight and luck. The Office of the Independent, Nonpartisan Legislative Analyst and other budget experts agree on this point.

In a mid-May analysis, LAO wrote that a combination of indicators pointed to an economic recession over the next two years: declining consumer confidence, rising inflation, tightening labor market and slowing home sales.

Although “past experience does not guarantee that we are headed for a recession,” the AJO wrote, “the likelihood of a recession is high enough to pose a significant risk to the budget.”

In other words, predicting a recession is like forecasting hurricanes: chances are a hurricane is coming, but you don’t know when it will hit or how destructive it will be.

In terms of state revenue, Newsom predicts slower growth over the next three years, but not a decline. After unprecedented two-year general fund increases of 25% and then 19%, Newsom assumes a decline of 2.6% in 2022-23, mainly due to taxpayer tax credits, not a recession . Then, it projects a 5.3% revenue gain in 2023-24 and another 4.4% in 2024-25.

It’s not entirely unreasonable, AJO said. An increased likelihood of a recession does not necessarily mean that one is right around the corner. It is plausible that the economy could continue to produce strong revenues in 2022-23, he writes. “Assuming very pessimistic revenues (such as those corresponding to a full-scale recession) would create a high risk of missing opportunities to fund worthwhile programs and services,” he said.

Then there’s the political reality that LAO failed to mention: A governor and legislature facing re-election this year will not pass a revenue cut, with the resulting cut in spending, on a hunch. .

For its projection, LAO took what it calls the middle path, the option that Ann Hollingshead, LAO’s senior budget and policy analyst, called the option “likely to be the least misguided.” . Instead of predicting recession revenue, it lowered estimates of Newsom’s general fund revenue by about $27 billion over the next four years.

Revenue from the general fund for Proposition 98, the formula that determines the share of state revenue for TK-12 and community colleges — about 38% — would be stable in 2022-23 under Newsom’s May review and gradually increase to $10 billion more in 2025-26, an increase of about 12%. According to LAO’s moderate projections, it would increase by half as much.

The legislature actually used the Treasury Department’s projections for the general fund in Newsom’s budget. The differences are in how they want to spend the money. Tempering revenue forecasts is just one way to hedge against a recession. Restricting money is another way.

Legislative leaders and Newsom differ widely on whether the governor has been conservative enough or too cautious in his hedge against a recession. The state budget alternatives that legislative leaders passed last week reflect that disagreement.

Due to three years of higher-than-expected state revenues, Newsom assumes an extraordinary $33 billion in additional funding in Proposition 98 in 2022-23. He proposes to budget the bulk, $19 billion, as one-time expenditures and $14 billion in ongoing funding that districts can rely on for years to come. That’s about a 60% to 40% split.

Opinions differ on what Newsom should do. Governing for Californiaa nonprofit that advocates conservative fiscal policies, said that with a looming recession, forecasting any surplus after July 1 is “both unreliable and dangerous”.

“California should set aside any excess revenue it collects in the current fiscal year and not base next fiscal year spending on optimistic revenue forecasts,” Chairman David Crane said.

The Challenges of One-Time Funding

But in the joint budget agreement which they passed on June 1, Senate and Assembly leaders felt that Newsom was too conservative. They moved an additional $4.5 billion in Proposition 98 from one-time funding to ongoing funding in the Local Control Funding Formula, the source for general district spending (see page 12). This would increase the funding formula by 16%, up from 9.9% under Newsom’s May budget review.

To make it work, legislative leaders eliminated some of Newsom’s priorities for one-time funding, including an additional $1.5 billion for community schools, $700 million for reading coaches and trainers, and language materials for low-income elementary schools and $1.8 billion for deferred maintenance. on repairs to school facilities.

The single money provides a cushion against a recession; it can be withdrawn mid-year if a recession is quick and deep, or simply cut from the following year’s budget without affecting districts’ current spending or forcing layoffs, said Bob Blattner, a Sacramento-based school consultant . Increases in ongoing funding for the funding formula can be used to increase salaries and hire permanent staff.

This is exactly why legislative leaders believe it is essential that more be transferred into the funding formula. Districts have been inundated with one-time funding over the past two years, and they have not been able to increase salaries enough to attract and retain staff and to fill the vacancies they need to meet the pandemic, said Assemblyman Kevin McCarthy, D-Sacramento, who chairs the Education Funding Subcommittee of the Assembly Budget Committee.

“I see that here in Sacramento, where it’s hard to hire people with one-time funding that’s going to expire, and then they can’t find people because we’re not paying adequate salaries,” he said. . And he said the increase in employee retirement costs and other expenses exceeds the cost-of-living adjustment that Newsom included in the funding formula.

Historical reserves

Legislators are confident that they can transfer one-time funds because there is sufficient funding to meet contingencies. One source is Prop. 98 Reserve – a source that did not exist for the 2000 recession caused by the dotcom bubble and the Great Recession of 2008. This year it is expected to reach $9.5 billion, or 10% Prop Funding. 98. The electors created the reserve Prop. 98 and the larger general fund rainy day fund in 2014.

“Given the strength of this reserve, I think it would be unconscionable to direct the growth of Proposition 98 to ad hoc proposals when the needs today are so great,” the budget chair said. of the Assembly, Phil Ting, D-San Francisco. “If the economy slows down, these increases will still be sustainable.”

On top of that, districts’ own reserves—their year-end balance in their general fund—reached near or above record highs last year: 22.4% for the medium unified school district and 26% for an average elementary district, according to School Services of California, a consulting firm. And they have billions of dollars in unspent federal Covid relief funds, some of which can be spent through September 2024. In the event of a recession, districts could apply some of it to avoid layoffs.

LAO’s Hollingshead and Michael Fine, CEO of Fiscal Crisis and Management Assistance Team, a school funding agency charged with helping schools avoid financial crises, agree that most districts should be able to weather a moderate recession. for at least a year, maybe two.

“Generally they are in better shape than in the past, but that will depend on the depth of the recession,” Fine said.

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Elevate Your Career to a Global Level │ GMA News Online


Life is good for Jeffrey Mallari. Filipino by origin, he has lived and worked in Singapore for 10 years. He was promoted from chief financial officer to regional financial controller by his Singapore-based company in 2020, around the same time he finally earned his chartered accountant (CPA) designation. Now that he has attained CPA status, in addition to being a Chartered Financial Consultant, Chartered Financial Accountant, to name a few, he can proudly write his name as Jeffrey Mallari CPA (Aust).

Jeffrey credits his career growth to the support of his family, his dedication to the business, a healthy work-life balance and his determination to improve his accounting skills by enrolling with CPA Australia. It is one of the most recognized accounting certifications in Singapore, which helped him even more in achieving his goal.

“During my studies, I was promoted from my original position to manage a [additional] market,” says Jeffrey. “Even before I’ve finished [entire] CPA program, my employer recognized my abilities because I consistently passed the [CPA] exams with great distinction.

For Filipino accounting or finance professionals like Jeffrey, CPA Australia is a springboard that can help scale careers globally. Despite the company name, a program certification is recognized worldwide. The organization itself has members in 100 countries and regions. CPA Australia’s partnership with the Professional Regulatory Board of Accountancy (BOA) and the Philippine Institute of Certified Public Accountants (PICPA) means that Filipinos can apply for Associate Membership of CPA Australia through the Membership Pathway Agreement.

“The CPA Australia designation is a validation of my high professional competence to employers,” says Jeffrey. “It opens up opportunities on a global scale, keeps me ahead of the competition and therefore definitely helps my career.”

The CPA program requires its students to complete four required subjects and two electives within six years of becoming an associate member. It stands out as a learning program because it allows members to study on their own schedule and at their own pace, making it easier to balance lessons with work, life, and other commitments. Most members study remotely so anyone can enroll in the program wherever they are in the world. With a large community of mentors and a wealth of learning resources available in the program, members can hone their technical and leadership skills as well as build a professional network with other established CPAs.

“The subjects equip you with the practical skills needed to meet real-world challenges in a complex corporate accounting and finance environment,” Jeffrey shares. “Having completed the program, I can say that it has taken my career to the next level. It is a very worthwhile investment for your professional future.

For anyone interested in undertaking the CPA program, learn more about it on the CPA Australia website or at an information session.

‘People are so excited about the sport, it’s huge’ – Lewis Hamilton reveals why he loves America and his love for the Miami Heat


Lewis Hamilton explains what he loves about the USA and how Formula 1 has developed in the country since his first visit.

Formula 1 failed to break into the American market in the 1980s and early 2000s. Motorsport fans in the United States still preferred the household names of NASCAR and IndyCar to F1.

However, the Circuit of the Americas welcomed Formula 1 to the United States with open arms in Austin, Texas.

Lewis Hamilton won the 2014 United States Grand Prix finishing just ahead of teammate Nico Rosberg. He had already become a celebrity in the country after appearing on the TODAY show a week before the race.

Lewis Hamilton describes the ever-growing F1 culture and New York City

The 2014 world champion spoke to his fans and the media in New York during his visit for the TODAY interview.

Asked what he likes about this particular city, Hamilton said: “Growing up and watching TV, I just remember different movies. Seeing New York and many cities in the United States, you always dream to visit here. So when you come here, all these tall buildings going up, the weather has been amazing.

Also read: Michael Schumacher explains his special bond with Spa Francorchamps

He was delighted to see the change in people’s perception of Formula 1. According to him, few people seemed enthusiastic about the sport when the Briton last visited America.

He added: “The first few years I came here, I didn’t think people really knew too much about F1. It’s great that he’s growing. Also, with the people coming down today and the road signs, I had positive energy today.

Hamilton supports Miami Heat

Much to the sadness of New Yorkers, Hamilton is a Miami Heat fan. When asked what his favorite American sport is, Hamilton was quick to bring up the NBA.

He added, “I don’t really know in the NFL. But Miami Heat, especially the last two years, watching the seven-game Finals has been amazing.

Also Read: F1 Fans Still Divided Over Max Verstappen & Lewis Hamilton’s Championship Battle

The Mercedes driver was quick to admire people’s enthusiasm for sports and competitions in the United States. He added: “People are so enthusiastic about the sport, which is huge.”

Asked about the importance of fans in racing, Hamilton described the positive energy the fans exude. He added: “Just arrived and the energy you get from the fans when they show up in your shirt or your boxes, you can’t measure it.”

The Chinese international school sector threatened by the Covid and the repression

Parents planning to send their children to New Oriental Bilingual Primary and Secondary School in Beijing next year should look elsewhere.

Private education company New Oriental announced in March that it would close the school, one of hundreds of such schools established across China since the 1990s to provide mainly Chinese students with a foreign-style education. New rules prohibited the company from financially supporting these schools, New Oriental said.

The closure is a symptom of wider woes in China’s private international education sector, which has been hit hard by a regulatory crackdown and strict anti-coronavirus policies that have prompted an exodus of foreign teachers.

According to Beijing-based research and consultancy firm NewSchool Insight, in 2020 China had more than 535 “private international schools” teaching more than 450,000 students. Most of them are bilingual schools and many are affected by rules announced last year that restrict participation by for-profit companies and require use of the state curriculum until at least the ninth year of teaching students.

China also has 113 international schools that are only allowed to teach foreign nationals and have about 99,000 students, according to NewSchool Insight. These schools have not been affected by regulatory repression, but suffer greatly from the shortage of foreign teachers.

“The situation is dire everywhere,” said a principal of an international school in a northern Chinese city that only teaches foreign children.

“Teachers bled out of China,” the principal said, adding that his school had struggled to hire overseas substitutes due to China’s strict border control measures to stop Covid-19.

The British Chamber of Commerce in China has estimated that up to 60% of foreign teachers will leave their posts this year.

Ker Gibbs, former director of the American Chamber of Commerce in Shanghai, said declining student enrollment and rising teacher costs posed an “existential threat” to international schools for foreign children.

“Bilingual schools also face difficulties, as they need native English speakers for their classrooms. [and] Beijing’s policies are becoming increasingly restrictive, limiting the use of foreign textbooks,” Gibbs said.

In 2021, the Chinese government erased billions of dollars from the value of publicly traded private education providers when it banned the $100 billion-a-year industry from profiting from basic tutoring services intended to children.

The ban has been disastrous for providers such as US-listed New Oriental, which suffered a net loss of $122 million between June 2021 and February 2022, compared to a profit of $151 million during the same period of the previous year.

Cram center closures have also disrupted a critical recruitment pipeline for bilingual schools and other international schools.

Brett Isis, chief executive of Teaching Nomad, a teacher placement agency, said more than 100,000 foreign teachers were employed at after-school English tutoring centers in China before the ban, but their numbers was declining rapidly and the salaries of those who remained had “skyrocketed”. ”.

The ban on for-profit tutoring has had other effects: an American teacher at a bilingual school in Beijing said his students’ English had noticeably declined since it was imposed last year.

Schools are also placing less emphasis on learning English, and many students are focusing more on subjects such as math and Chinese, the teacher said.

Gibbs said the changes to bilingual school regulations were part of a “wider synification of the economy and society”.

“At the beginning of China’s development, they needed foreign capital, foreign know-how and foreign technology. They needed the outside world very much to speed up their development. They are now on this path and their needs are different,” he said.

Julian Fisher, an education consultant in Beijing and vice president of the British Chamber of Commerce in China, said leading bilingual schools and international schools for foreign children would survive the pandemic. “There is always a demand for high quality schools.”

But Fisher said restrictions on profit-making in the education sector, coupled with a slowdown in China’s property industry, meant that investment in new schools had dried up. Large Chinese real estate companies finance hundreds of bilingual schools.

The increasingly stringent regulatory regime is prompting some UK schools to reconsider their involvement in the mainland Chinese market after more than a decade of rapid expansion.

Last year, Westminster School in England scrapped plans to develop six schools in China due to regulatory changes. A bilingual school in Beijing affiliated with the 450-year-old English public school Harrow was forced to drop its famous brand name this year due to the new rules.

Chinese bilingual schools are seen by many parents as a stepping stone to study abroad. But Fisher said parents with children about to start school are “now reconsidering taking the international route.”

“We might well have reached the peak of Chinese students going abroad,” he said.

Albanian daily news


The appeal body of the Catania court sent Nezar Seiti, known as the “accountant” of the Habilaj gang, to prison, as reported on Saturday.

According to information, Seiti, Meridian Sulaj and 3 Italian citizens, part of the criminal group led by Moisi Habilaj were arrested in a “Guardia di Financa” operation.

They were handcuffed as part of the “Rosa dei Venti” operation against a criminal group made up of Italians and Albanians.

However, the group was responsible for trafficking marijuana imported from Albania to pharmacy squares in Catania, Syracuse and Ragusa, while three convicted Italian nationals are Angelo Busacca, Antonino Riela and Vincenzo Spampinato.

On the other hand, the convicted Albanians are Nezar Seiti and Maridian Sulaj. Investigations by the Guardia di Finanza led to the seizure of approximately 3.5 tons of marijuana, Kalashnikov assault rifles and the flagrant arrest of 24 drug couriers.

Investigations with the Albanian police and Interpol revealed the trafficking of 4 tons of drugs.

For this, Sulaj was sentenced to 8 years in prison, Busacca to approximately 7 years in prison, Riela was sentenced to 14 years and 8 months in prison, Seiti was sentenced to 6 years and 8 months in prison and Spampinato was sentenced to sentenced to 9 years in prison.

Why the Super Eagles lost to Ecuador – US-based football enthusiast –


United States of America-based sports fan Anozie Ugenyi said in New York on Friday that unfair refereeing handed the Super Eagles defeat in their second friendly match of the US tour.

News Agency of Nigeria reports that the under-strength Super Eagles suffered a 0-1 loss to Ecuador.

The game was played Thursday at Red Bull Arena in Harrison, New Jersey, USA.

In coach José Peseiro’s first outing with the team, the under-strength Eagles fought valiantly but were unlucky to lose 1-2 to Mexico in Dallas, Texas. Saturday.

Ugenyi, co-founder of the Nigerian Sports and Cultural Carnival in New Jersey, told NAN it was clear the referee had refused to use the video assistant referee despite protests.

He said: “There were questionable calls from the referee which angered many Nigerians including Amaju Pinnick, the president of the Nigerian Football Federation.

“Pinnick protested a lot about this in the VIP booth where he was seated with other Nigerian officials.

“According to what VAR means, the referee is supposed to have used it and maybe awarded two penalty kicks against Ecuador.

“But he did not do it.”

Ugenyi, however, praised the team for the zeal displayed during the match, although he lamented their inability to convert the scoring chances they had into goals.

He said: “I am of the opinion that we could have won if we had taken risks.

“The best striker missed three chances with the goalkeepers, on which we would have scored.”

He said, however, that it was also interesting to say that there was team cohesion.

“My advice is to keep them together and instill some confidence in the homegrown players,” Ugenyi said.

The football enthusiast noted that the match was excellent with the momentum passing from one side to the other.

He said: “Ecuador pressed in the first half and the Super Eagles were in control midway through the second half.”

In a related development, Pinnick and some NFF officials were seen in a video clip protesting the unfairness against the Super Eagles, urging the match commissioner to investigate the protest.

Pinnick said in the video: “It’s not a game.

“Two penalties were not awarded to Nigeria in the first half.

“I can tell my boys to leave this game.”

Pinnick insisted on seeing the match commissioner and appealed for the injustice to be corrected.

Pinnick said the referee was not helping the Ecuadorian team because “no one would accept this kind of unprofessional act at the World Cup”.

NAN reports that some match officials were then seen appealing to Pinnick and other NFF officials, pledging to investigate the alleged unfairness against the team.

Nigeria’s Permanent Representative to the United Nations, Ambassador Tijani Muhammad-Bande, and Ambassador Lot Egopija, Consul General of Nigeria in New York, were among several Nigerians present at the game.


GM slashes price of 2023 Chevy Bolt, making it America’s cheapest electric vehicle


Chevrolet Bolt EV

The 2023 Chevrolet Bolt will be the cheapest electric vehicle you can buy in America — with one caveat.

Earlier this week, General Motors (GM) revealed pricing for the 2023 version of the Bolt EV. The better-equipped base 1LT and 2LT models are now priced at $26,595 and $29,795 respectively, which GM says represents a price reduction of $5,900 per model over last year.

The larger Bolt EUV gets an even bigger price cut, at least in nominal terms, of $6,300.

For the regular Bolt EV, this price represents a massive 18.5% price reduction from a year ago, at a time when everything from components to labor costs are rising dramatically in this country. .

GM says that even with the steep price drop, no features have been removed or reduced from last year’s model.

“Nothing was removed,” GM product specialist Shad Balch told the Detroit Free Press. “This reflects our ongoing desire to ensure the Bolt EV/EUV is competitive in the marketplace. As we said, affordability has always been a priority for these vehicles.”

Pricing and tax credits

Although 2023 pricing has yet to be announced, the 2022 Nissan Leaf, which was the cheapest EV on offer in the US, starts at $27,400. If you don’t include the $7,500 federal tax credit (which Nissan still qualifies for, but GM doesn’t), the 2023 Bolt EV is the cheapest car in America.

So technically, the Bolt EV is America’s cheapest electric vehicle when it goes on sale in 2023, not including the federal tax credit (which brings the Nissan Leaf down to $19,900). The bad news for Nissan (7201.T) is that the total cumulative sales of the Leaf in the United States are around 175,000 units, and when the 200,000 threshold is reached, the federal tax credit is reduced by half.

TANGERANG, INDONESIA - NOVEMBER 12: Nissan Leaf electric car on display during GAIKINDO Indonesia International Auto Show (GIIAS) at Indonesia Convention Exhibition in outskirts of Jakarta, Tangerang, Indonesia on November 12, 2021. This premier auto show during the COVID pandemic -19 organized by the Association of Indonesian Automotive Industries GAIKINDO opened to the public from November 12 to 21 and was joined by more than 300 brands from the supporting industries and spotlighted around 150 new vehicles.  (Photo by Anton Raharjo/Anadolu Agency via Getty Images)

TANGERANG, INDONESIA – NOVEMBER 12: Nissan Leaf electric car on display during GAIKINDO Indonesia International Auto Show (GIIAS) at Indonesia Convention Exhibition in outskirts of Jakarta, Tangerang, Indonesia on November 12, 2021. This premier auto show during the COVID pandemic -19 organized by the Association of Indonesian Automotive Industries GAIKINDO opened to the public from November 12 to 21 and was joined by more than 300 brands from the supporting industries and spotlighted around 150 new vehicles. (Photo by Anton Raharjo/Anadolu Agency via Getty Images)

The other downside to the Nissan Leaf is that it only has 149 miles of range (rated by the EPA), while the cheapest Bolt EV has 259 miles according to GM’s estimates. A buyer has to upgrade to the Nissan Leaf S Plus to get 226 miles of range (rated by the EPA), but that model starts at $32,400.

The big point here is that GM is doing what it can to provide an affordable, mainstream EV option with decent electric range for middle-class buyers who want to go electric. It’s a part of the market lacking in options, with just the Nissan Leaf S Plus as its only competitor, although Fisker (FSR) promises its Ocean EV SUV will start under $40,000 when it arrives next year. next.

If the country is to meet the White House’s goal of having 50% of vehicle sales fully electric by 2030, American buyers will need many more cheaper electric vehicle options.


Pras Subramanian is senior automotive reporter for Yahoo Finance. You can follow him on Twitter and on instagram.

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The richest Americans are living paycheck to paycheck after inflation spike

With inflation still near 40-year highs, it is increasingly difficult for workers at all income levels to make ends meet.

The consumer price index, a key measure of inflation, rose 8.3% in April from a year ago, according to the latest data from the US Department of Labor. Although it fell slightly from the peak in March, it still marked the biggest jump since the summer of 1982.

Although wage growth is high by historical standards, it is not keeping pace with the increase in the cost of living.

When wages are growing at a slower rate than inflation, paychecks won’t go as far to the grocery store or the gas pump — two areas of the budget that have been particularly hard hit.

Learn more about personal finance:
The job market is still hot – for now
25% of Americans are delaying retirement because of inflation
How to pay for your education after a financial setback

In April, 61% of consumers said they now live paycheck to paycheck, according to a LendingClub Report.

Even the highest earners are under strain, the report says. Of those earning $250,000 or more, 36% reported living paycheck to paycheque.

“Earning a quarter of a million dollars a year is more than five times the national median and that’s clearly a high income,” said Anuj Nayar, financial health manager at LendingClub. “The fact that a third of them are living paycheck to paycheck should surprise you.

“These high-income individuals have an average FICO score of 758,” Nayar added. “They are creditworthy but they have higher financial obligations and are more likely to leverage their capital to fund their lives.”

Consumers who struggle to afford their daily lifestyles tend to rely more on credit cards and have higher monthly balances, making them financially vulnerable, the survey found.

I have seen households of all means fall into this trap.

Joe Buhrman

Senior Financial Planning Consultant at Fidelity’s eMoney Advisor

“I’ve seen households of all means fall into this trap,” said Joe Buhrmann, certified financial planner and senior financial planning consultant at Fidelity’s eMoney Advisor.

“If the problem is the result of spending — or overspending — consider following the 50-20-30 rule,” he advised.

“With this rule of thumb, you divide your after-tax income as follows: 50% needs, 30% wants, and allocate the remaining 20% ​​to savings and/or debt reduction, such as paying down of a credit card.”

Overall, credit card balances grew year-over-year, reaching $841 billion in the first three months of 2022, according to a separate report from the Federal Reserve Bank of New York.

At this rate, sales could soon reach record highs amid rising prices for gas, groceries and housing, among other necessities, according to Ted Rossman, senior industry analyst at CreditCards.com.

Anyone with revolving debt will also see the annual percentage rate on their credit card head higher as the Federal Reserve raises interest rates in an attempt to rein in rising prices.

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3 major changes coming to the way we learn


Benjamin Franklin once said, “An investment in knowledge always pays the best interest.” In a world defined by flow, education itself is the only certainty of 100% return – and sometimes the only lifeboat we have to stay relevant in a world rocked by constant change.

Image source: Getty Images

EdTech (educational technology) has been dominating the news lately, with the huge EduTech Africa Expo just held here in South Africa. Seoul-based educational tech startup Mathpresso, which has impressed international investors, also recently completed a vital second funding round, showing how viable EdTech is seen by financiers. It is a world dominated by technologically disrupted and disruptive learning.

But what if the very nature of learning and the systems and processes around education are themselves disrupted?

In fact, it is not the ‘future’, but the ‘now’. The learning landscape is changing, ushering in a whole new way of learning. Additionally, as the shelf life of current skills rapidly decreases, learning suddenly has a “best before” sticker, translating into an accelerated urgency to create continuous learning and development.

So what does this “now” look like? What are the latest learning trends?

The days of the fixed learning schedule or reserved classroom are over. The new learning environment is characterized by interconnectivity, collaboration, active engagement, symbiosis and constant change.

Education is changing on all sides – institutions, educators and learners. There are three key players who are all equally important to successfully navigate the learning landscape.

  1. Learner Changes

    First, the habits of the learners themselves have changed considerably. Learners now learn at the speed of their needs – where and when they want.

    Additionally, learners have changed the way they perceive the value of their learning. It is a much less passive enterprise than when the old guard was bored in the classrooms. Learners today are demanding more accreditation to show potential employers their ever-increasing value proposition. In fact, the boundaries between work and learning are blurring. Learning is now a seamless complement to work itself.

    Because of this convergence, education is becoming a much more personal experience, requiring that any learning initiative not only be career-aligned, but also responsive to individual interests. During the learning process, learners will be encouraged to become more creative, adaptive and innovative.

  2. Changes in the very nature of learning

    For this reason, the emphasis of learning will be introspective, autonomous and personalized. Rather than punctuated by certain one-off milestones, it will be part of a continuous professional journey over the long term. Learning will become increasingly learner-directed, with frameworks for development defined and shaped bottom-up rather than top-down.

    Therefore, learning methods will adapt to this and be informed by peer-to-peer learning, even for self-study in the workplace. For example, employees will create and share content that is both relevant and material.

    Technology will be paramount in supporting and improving learner engagement. And to be engaging enough, the technology will need to be both mobile and social. Augmented and Virtual Reality (VR) will create new simulated learning situations and Artificial Intelligence (AI) embedded in content delivery will allow us to manage and adapt learning to be personalized and individual. Rather than the old one-size-fits-all method of education, technologies will expose learners to different and dynamic ways of learning.

    Virtual collaboration rooms within organizations will become the new classroom and technologies such as gamification and virtual reality will further change the way learning happens. Employees want to see how they stack up against their peers, earn badges, collaborate, and feel a sense of accomplishment, all through technology, and will need to demonstrate persistence, risk-taking, attention to detail, and problem solving skills to stay on top.

  3. Changes in learning within organizations and at work

    To remain relevant and competitive, organizations will not only need to change their approach to learning, but they will also need to fundamentally change the learning culture of the organization to show that learning is an asset contributing to the achievement of results. commercial.

    In the workplace, the emergence of learning experience platforms (LXPs) like HowNow will allow employees to take full control of their learning and development. Employees will also expect to access content anytime, anywhere, as they do in their personal lives, and workplaces will need to ensure learning is mobile.

    At the same time, the savvy business will realize that an increased focus on soft skills training – the human side of the equation – will help prepare employees for the future of work.

Let’s end with another quote: this one from a more current source. Education mastermind and coiner of the term e-learning, Elliot Masie says:

Online learning is changing. And we will see new models, new technologies and new designs emerge. So let’s drop the ‘e’ or at least give it a new and broader definition.

The 2022 Audi RS 3 solves the car enthusiast’s dilemma


I drove around the tough Spring Mountain Motor Resort road course outside of Las Vegas for more than a dozen laps. Yet I still don’t feel like I’m tapping into the full potential of the premium compact sports sedan I’m driving. So I push even harder – beyond my usual comfort zone.

My foot hits the ground after a quick right turn and I keep it planted. The speedometer slips well past 100 mph when I enter the long sweeper, but my foot stays there. A sharp 90-degree turn looms, so I slam the brakes and let the carbon-fiber rotors lose speed and set the nose quickly.

Without hesitation, I turn the steering wheel while pinning the accelerator to the floor. The car drives unhindered. Each of its Pirelli R-compound tires grips the asphalt tenaciously. The four-door circles around the angled bowl – pulling a lateral force of 1.27 G of twisting from the face – before launching to the other side towards the slalom.

There is no creaking. No slippage. And no drama. It’s obvious – and a little frustrating – that I still haven’t found the limit of the all-new 2022 Audi RS 3.

With its enthusiast-friendly “RS” models, Audi is constantly hitting the racetracks, and the all-new 2022 Audi RS 3 is no exception. The RS 3, positioned as the performance halo model above the standard A3 and sporty S3, combines luxury, technology, innovation and high performance in a premium compact sedan. It’s a unique blend, and its strengths allow Audi to own the segment – to date, the RS 3 has no direct competitors.

Unlike the A3 and S3, which use different variations of the automaker’s 2.0-liter turbocharged four-cylinder engine, the RS 3 features a 2.5-liter turbocharged five-cylinder engine. While an inline-5 is an unusual engine configuration, Audi has been perfecting and tweaking it for 46 years – it holds countless victories in some of the most grueling motorsport races in the world. Under the hood of the 2022 RS 3, it’s tuned to deliver 401 horsepower and 369 lb-ft of torque (a slight power boost over its predecessor). The engine is mated to an automated 7-speed ‘S tronic’ dual-clutch gearbox that sends power to all four wheels via Audi’s renowned ‘quattro’ permanent all-wheel-drive system.

The RS Torque Splitter rear differential makes the RS 3 a real star. Unlike most differentials that simply divide power left and right, the innovative RS Torque Splitter provides fully variable torque vectoring. It accomplishes this via an electronically controlled multi-plate clutch on each rear driveshaft. Simply put, the quattro system can smoothly transmit power to the front or rear axle with performance-tuned algorithms. In addition, the software has been tuned to allow the RS torque splitter to send 100 percent of the available power to the rear axle, thus turning the Audi RS 3 into a rear-wheel-drive vehicle.

The clever rear differential is complemented by the standard RS sports suspension with Dynamic Chassis Control (DCC). This successor to Audi’s popular magnetic drive system offers stepless, individual adjustment based on vehicle needs or operator-controlled mode selections. Audi Drive Select is responsible for commanding these modes, and on the RS 3 it has been expanded to include Comfort, Auto, Dynamic, RS Individual, RS Performance and RS Torque Rear.

Other mechanical benefits include upgraded brakes with 14.8-inch iron rotors in the front axle (with 6-piston calipers) and 12.2-inch in the rear (with single-piston calipers). Additionally, Audi offers an optional carbon-ceramic brake upgrade that fits the 15-inch ceramic rotors on the front axle – this cuts overall weight by a whopping 22 pounds.

The RS 3 differentiates itself with a more aggressive exterior that doesn’t hide its performance mission – it’s not the sleeper of Audi’s A3 range. There are unique front and rear bumpers, a roof with a contrast finish and flared wheel arches. The matrix-design LED headlights feature an all-new 3×5 pixel LED display directly below that displays the model number and a checkered flag when greeting the driver – that’s a nice feature. Audi also offers model-specific exterior colors.

The interior hasn’t been overlooked either, as the RS 3 is beautifully appointed with an upgraded interior that is downright stunning. Highlights include sports front seats in fine Nappa leather with RS embossing (and RS-specific honeycomb stitching) and an RS Sport leather steering wheel. And for the driving enthusiasts, Audi’s Multimedia Interface (MMI) has been enhanced with an RS monitor to display G-forces, tire pressure, tire temperature, coolant, engine oil and transmission oil temperatures.

I have always been a fan of the inline-5 because its exhaust note is unique and distinctive. At idle, the engine is a bit smoother than an inline-4 with a slightly more sophisticated idle. You would never know the engine puts out 401 horsepower during daily driving. The powertrain is relatively quiet and its temperament is subdued – a continuous reassuring growl only signals its existence as the engine remains on the underside of the tachometer. At full boil, the inline-5 springs to life. It emits a throaty intake sound at full throttle accompanied by a chirping-like exhaust note that will turn heads. The din is deep and soothing (far from a moan) that gets louder and more intense as the engine nears redline.

In town, the RS 3 impressively hides its true colors. With Drive Select in COMFORT or AUTO, the transmission changes almost imperceptibly. The gearbox works hard to make sure the engine doesn’t rev much over 3000 rpm (probably chasing fuel economy). Audi has programmed quattro to direct torque to the front axle (COMFORT) or a balanced front/rear split (AUTO). The ride is “comfortably firm”, which means sporty without being abusive. Passing power is still available if needed, but it takes a while for the boost to build and the S tronic to drop a few gears to optimize the powertrain. Nonetheless, downshifts are seamless and highway driving is relaxed – expect to get around 30 mpg on the open road.

Choose DYNAMIC mode for a more enthusiastic on-road experience. Audi’s quattro sends as much torque as possible to the rear axle, giving the sedan another rear-drive dynamic. The suspension is firmer and the throttle and gearbox are more responsive. As a result, the RS 3 is much livelier and more eager – consider it caffeinated. It’s funny.

Still, RS PERFORMANCE (and configurable RS INDIVIDUAL) is what the RS 3 is frankly. This configuration puts all vehicle systems in “combat ready” mode. Torque is concentrated rearward again, but the electronics are tuned to nearly eliminate the dreaded understeer and jittery oversteer for the fastest possible speed through a corner. The shocks are firm, throttle response is immediate, and the gearbox is aggressive in getting up/down and maintaining gears.

The RS 3 is nose-heavy (what do you expect when all the mass of the transverse inline-5 is suspended in front of the front axle?), but you’d never know that from the driver’s seat because the sedan feels completely neutral while cheerfully thrown around a track. The Audi is surprisingly capable and incredibly quick. (On that note, I found my fastest laps using the amazing front grip to turn confidently, then relying on quattro and the RS Torque Splitter rear differential to put the power in properly and keep the g-load on the chassis .)

And there is a last mode called RS TORQUE REAR. This configuration sends 100% of the available power to the rear axle. While I don’t consider this mode to be the fastest way to hit a track (why ask the lighter wheels to handle 401 horsepower?), it does allow the RS 3 to oversteer with just a flick of the throttle – just like he was racing in a Formula Drift event. Fun, but more of a show than a useful driving mode.

In terms of real-world performance, the new RS 3 delivers. Using launch control, the RS 3 will sprint to 60mph in just 3.6 seconds – it’s a fast exotic car. And the top speed (when equipped with the Dynamic Plus package) is 180 mph – that’s the speed of an exotic car too.

It’s hard not to love the RS 3. The subcompact sedan does just about anything a driving enthusiast could ask for, and it does it with style and refinement (valets will even tell you it’s got some style). . And while it sits just above the S3 in Audi’s model hierarchy, its real-world positioning is a leap above – this A3 offshoot is a whole different ball game.

The base price of the all-new 2022 Audi RS 3 is around $60,000 (around $74,000 by the time you’ve properly optioned it). That amount of money was used to buy a comfortable four-door or a track-ready sports coupe, but not both. Well, until now.

The new RS 3 solves the dilemma for car enthusiasts of playing a dual role as a chic and suitable daily driver with a real weekend racing talent capable of reaching the podium. And if you think the Audi RS 3 is too expensive, ask yourself this: “How much am I willing to pay for a compact luxury sports sedan capable of embarrassing Corvettes and Porsches at a track event. the weekend ?”

Next challenge for ESG derivatives: going mainstream


ESG derivatives once seemed like the next big thing in sustainable finance. Two years on, momentum has slowed in this renowned and innovative sector of investment banking, leaving a question mark as to whether these markets are simply suffering from growing pains or are facing bigger problems. fundamentals that hinder widespread adoption.

Firms announced a flurry of sustainability-related derivatives transactions in 2019 and 2020, resulting in cost savings on interest rate and currency hedging provided they met certain ESG targets. Bankers say there has been a slow but steady trickle of such deals since then, while acknowledging they remain a niche product that is time-consuming and complex to set up.

For this to change, experts agree on the need for greater standardization of corporate sustainability goals and the creation of sufficiently robust key performance indicators across different sectors – an issue that continues to hamper the development of ESG financial products more broadly. But despite the slow progress of recent times, many still expect sustainable derivatives to grow to complement the expected increase in sustainability-related finance in the coming years.

“Derivatives can be an important part of the financing solutions toolkit when they all point in the same direction, complementing what is being done in the area of ​​sustainable bonds and loans,” said Constance Chalchat, Director Sustainability for Global Markets at BNP Paribas.

“It’s a nascent product and there’s a lot of heavy work involved; there is a lot of structure. It took three to four years for the industry to industrialize sustainability-related loans and bonds. What’s great is that we’re learning from these experiences as we seek to industrialize the market and connect it to a broader sustainable finance framework,” she said.

Sustainable finance has grown rapidly in recent years as investors and companies seek to reshape their businesses in more ESG-friendly ways. Assets in global sustainable funds nearly quadrupled from mid-2019 to $2.9 trillion at the end of last year, according to Morningstar, before declining slightly in the first quarter of this year.

Mixed bag

ESG derivatives have also grown and now cover a range of asset classes that have been more or less successful. Products providing exposure to ESG-friendly stocks have grown in popularity, with the Stoxx Europe 600 ESG-X index futures market now representing around one-fifth the size of index futures. usual European benchmark, according to data from Refinitiv, although the outstanding amount of these contracts have fallen by 46% since their peak in November.

In credit markets, there have been just a handful of trades on IHS Markit’s flagship ESG credit default swap index since its launch in 2020, according to data from Depository Trust and Clearing Corporation.

Sustainability-linked interest rate and currency hedges are more bespoke contracts that seek to replicate the success of ESG bond and loan markets, where it is becoming increasingly common for companies to link their costs borrowing to ESG objectives. Standard Chartered expects green, social, sustainable and sustainability-linked bond issuance to reach $1.7 billion this year, representing 18% of total debt sales compared to 11% in 2021 – and that share is expected to reach one-third by 2025.

ING negotiated the first known sustainability-linked swap in 2019 when it structured a deal for Dutch company SBM Offshore that allowed it to hedge interest rate risk on a revolving credit facility. Although subsequent transaction designs have differed, these structures tend to save a company money on the cost of interest rate or currency hedging provided it meets certain defined sustainability targets. in the key performance indicators, or that it pays a penalty if it misses these objectives. Many of these transactions have accompanied sustainable bond or loan financings, although some hedging programs, particularly in foreign exchange markets, have stood alone.

“When it comes to KPIs, companies tend to align their funding with their coverage. If we see the funding part of the spectrum increase, that could impact derivatives,” said Neven Graillat, Global Division Head. by JP Morgan. market sustainability center.

“On the derivatives side, what the market wants is standardization around material KPIs, audited and with ambitious objectives. We spend a lot of time working on this.”

Slow but steady

Geraud Redor, head of EMEA private-side structuring for global markets at BNP Paribas, said the market for sustainability-related derivatives has expanded beyond Europe to include Asia, the United States and Latin America. He also pointed to smaller companies considering ESG derivatives, as well as developing a wider range of asset classes and products such as options. “The market is much larger than it was a few years ago,” he said. “It’s still a niche product – the market doesn’t double in size every year, but we see it growing steadily.”

Jonathan Gilmour, head of derivatives and structured products at law firm Travers Smith, pointed to three areas that are holding back growth. Without standardization, it is very difficult for banks to clear their transactions with other participants in a liquid market. Some banks, meanwhile, are waiting to see whether regulators will relax capital rules for sustainability-related instruments.

There are also “concerns about whether sustainability KPIs are robust enough to guard against accusations of greenwashing,” he said.

These concerns have created an inherent tension in ESG finance more broadly that has hampered the development of these markets since their inception: how to establish standards that can be applied industry-wide, while ensuring that individual companies commit to achieving sufficiently stringent targets in exchange for better funding conditions. Sustainability-related derivatives are no different: a cut-and-paste approach to designing transactions simply doesn’t work for most companies.

“There is no market standard right now,” said Vanessa Battaglia, senior counsel at Travers Smith. “The KPIs we’ve seen for these products are very personalized. They can vary depending on a number of factors, including specific counterparty requirements and objectives, as well as the industries and jurisdictions in which they operate. This means that it is difficult to achieve standardization of KPIs in the field of derivatives.”

Development of standards

This has made creating these trades extremely labor intensive for all parties involved, especially for companies that have to develop KPIs from scratch. These can vary greatly depending on the type of business and the markets in which it operates, not to mention how far it has already progressed in its transition to a more sustainable footing.

“It’s a structured product with only flow income,” said a senior trader at an ESG-conscious investment bank. “I think it’s worth it for the brand image and to move the industry forward, but there’s a lot of work to be done.”

Some are simply skeptical of the whole company. “It seems to be a bit of a flag exercise rather than something systemic,” said a senior executive at an international bank.

Proponents of ESG derivatives remain unfazed, while mindful of the challenges ahead. The International Swaps and Derivatives Association is working to develop best practices for trading sustainability-related derivatives and is examining how KPI frameworks used in the bond and loan markets can be included in such contracts. The ISDA has also launched a survey to determine if there is enough appetite to consider standardizing certain contract terms.

At the corporate level, it will inevitably take time for individual companies to develop appropriate targets for their financing or hedging operations. Associated British Ports completed its first sustainability-related derivative last year in what group treasurer Shaun Kennedy described as something of a “trial”.

The company is currently working a lot on its sustainable development strategy. Once completed, ABP will consider how it can incorporate this into its funding plans. “It makes sense for us to align all aspects of our funding with our Sustainable Development Goals,” Kennedy said.

Kristell Herbault, sustainable finance specialist at Societe Generale, noted that the market for sustainability-related derivatives is still very new. “One of the toughest obstacles to market growth is the difficulty for clients to build credible sustainability strategies: set relevant KPIs and ambitious goals,” she said.

1 Finance appoints Sanjay Ghosh as lead consultant

01 June 2022 10:28 STI

Bombay (Maharashtra) [India], June 1 (ANI/PNN): 1 Finance, based in Mumbai, a revamped consumer financial institution, announces the appointment of Sanjay Ghosh as Principal Consultant – Process Excellence, who will be responsible for the digital improvement of the experience customer. Sanjay Ghosh has an extensive experience of 28 years in various roles, distinguished by a commendable performance in financial services, education & training and retail franchise in India and abroad.
At 1 Finance, he is responsible for building, reviewing and reframing sustainable customer-centric processes. The experience he gained in managing clients in the financial services industry allowed him to empathize with them. This will lead to the creation of optimal experiences for customers at every touchpoint of their journey with the company.
Adept at managing customer-centric operations, he has provided consulting services to leading BFSI companies nationwide in the areas of business process re-engineering to optimize operations excellence. He has been instrumental in building projects for companies such as JM Financial, Nirmal Bang, MOSL Housing Finance, IndiaNivesh, IDBI and TradeBulls among others. During his tenure at Choice Equity Broking, he was instrumental in re-engineering the customer onboarding journey to drive five times the productivity by adding 50,000 new customer acquisitions per month. As Senior Vice President of Angel One, leading KYC and Quality Assurance, he helped launch one of the first digital onboarding journeys in India in 2014. During his tenure at Angel One, the company has obtained ISO 10002 certification for complaints handling. planning, design, operation, maintenance and improvement.
Keval Bhanushali, Co-Founder and Managing Director of 1 Finance, said, “We are delighted to have Sanjay Ghosh on board as part of the 1 Finance team, where he will focus on driving process excellence in all business functions. . 1 Finance implements world-class processes for a digital first experience to deliver the best solutions to our clients. Sanjay Ghosh will play a critical role in identifying and building these processes, enabling clients to realize their true value in personal finance. It’s an exciting time for the client to prioritize their financial well-being as much as their health. 1 Finance is committed to providing peace of mind to its customers when it comes to their financial matters.
Sanjay Ghosh, Principal Consultant – Process Excellence, 1 Finance, said: “I am happy to be aligned with 1 Finance’s values, culture and vision, and proud to be part of a young and dynamic leadership. The core values ​​of the company have inspired me to contribute to the mission of financial well-being for millions of Indians. At 1 Finance, we will build processes that will be thoroughly tested by us representing the client, then implement the assessments with the operations team. My contribution will not remain limited only to process improvements, but it will also be across the full spectrum of the business, starting with customer engagements to employees. The overall goal of my role is to simplify the entire process. operation for a rewarding overall experience for customers. “

Sanjay Ghosh has a Quality Management System (QMS) certification and is a certified Six Sigma Green Belt professional with a school leaving degree from the University of Calcutta. In a world where the customer journey in financial services is now predominantly digital driven, Sanjay Ghosh’s role is important where speed of delivery is crucial while improving the overall customer experience. 1 Finance solves the problem of scattered finances that customers face by providing a single view of the state of their finances. The company provides solutions that will take individuals’ personal finances to a holistic level, helping clients achieve a state of true financial well-being.
1 Finance Private Limited (www.1finance.co.in) is a reinvented consumer financial institution that offers qualified, unbiased and hyper-personalized advice on personal finances, including but not limited to assets and liabilities, income, expenses and insurance.
The Mumbai-based company is backed and mentored by renowned investor MarwadiChandarana Group, established in 1995 and marking its prominence in the higher education sector with Marwadi University, in retail financial services by Marwadi Financial Services , and with algorithmic and high-frequency trading. with MarwadiChandarana Intermediaries Brokers Private Limited (MCIBPL).
1 Finance is the first ecosystem of its kind to offer financial planning and advisory solutions to emerging affluent people in India.
This story is provided by PNN. ANI will not be responsible for the content of this article. (ANI/PNN)

5 signs it’s time to find a new accountant for your business


As a business owner, you probably want to do everything you can to control your business finances. That’s why it’s imperative to work with an accountant you can trust and rely on to maximize the financial health of your business. Whether you have an in-house accountant or have outsourced all of your bookkeeping duties to an accountant at a company, you want to make sure that the person you’ve entrusted your company’s finances to is doing the best job possible. That said, do you wonder if you’ve hired the right person for your company’s accounting needs?

From my experience as CEO and Founder of CMA Exam Academy (a Certified Management Accountant Examination Exam Program) and as a CMA myself, I know how important it is to work with an accountant who truly has your company’s best interests at heart. You wouldn’t want to continue working with an accountant who isn’t doing their best to increase your bottom line! That said, here are some telltale signs that it’s time to find a new accountant for your business.

They do not provide financial statements every month

As a business owner, you will constantly have to make critical decisions to move your business forward. How would you be able to make the smartest and most informed decisions for your business if your accountant did not regularly provide you with a profit and loss statement, cash flow statement, balance sheet statement, and other crucial financial documents every month? Knowing exactly what is in those statements will give you an accurate picture of profit margins, business expenses, and the amount of cash available for large business purchases.

You should analyze these statements each month to locate areas of the business that may be draining overall profits. Reviewing these statements will also help you better budget for next month’s initiatives and forecast future sales and profits. That said, if your current accountant doesn’t share these financial documents every month, it might be time to look for a new one.

You find many inaccuracies in your financial statements

Let’s say your accountant provides your financial statements every month, which is ideal, but you notice a ton of inaccuracies in it. The delivery costs are not correct, the amounts of certain customer invoices are wrong, the payroll amounts are all wrong… all these inaccuracies will lead to a false representation of the profit margins and the overall result of the company. It also shows that your current accountant is doing a sloppy and careless job or just doesn’t have a great attention to detail, which is paramount in managing the finances of any business. So if you notice all kinds of errors in your statements, it would be in your best interest to consider finding a new accountant.

They don’t regularly reconcile your accounting books

To optimize the financial health of a business, an accountant should reconcile the books (i.e. compare bank statements and journal entries, bank deposits and withdrawals in the general ledger, etc. to s make sure everything is consistent) on a regular basis. If they don’t, they can easily forget to record a recurring monthly expense when budgeting for the next month. Also, your accountant may not even realize that an invoice hasn’t been paid yet or they’ll just estimate what a transaction was when writing the journal entries, which could be way off the mark. of the actual amount (leading to an inaccurate financial picture).

They take way too long to answer your questions

It’s a big. When running a business, there will likely be times when you have a critical question for your accountant that needs to be answered immediately. Maybe you need to know if you have enough budget left to pursue a promising new sales strategy. Or, you may need to quickly check if you were overcharged when buying raw materials in bulk to manufacture your company’s products. Whatever the case, does your accountant take forever to answer your emails/calls or does he just not answer some of them? Not only is this incredibly frustrating, but it can also cause you to miss out on business growth opportunities.

Don’t you want to know that your accountant values ​​your business? That they really care about helping your business grow and succeed? I bet. Yes, your accountant might be incredibly busy, as we all are, but there’s no reason why he can’t send a quick email to let you know he can get back to you completely a bit more late. So if your current accountant is taking forever to answer your questions, it might be time to start looking for a new one.

They do not document expense receipts accurately

As a business owner, you probably have a ton of expenses that you write off each tax season. These can include costs for packaging and shipping supplies for your products, bulk raw materials, digital marketing costs, project management software, billboards and other advertising, dinners business etc. It is your accountant’s job to ensure that all receipts for these expenses are properly documented. This will be essential in the event your business is audited by the IRS – having proper documentation of all receipts will make the audit much easier and much less stressful.

So if your current accountant isn’t recording these receipts properly, it’s time to start looking for a new one. Trust me, the last thing you want is for your business to be audited and you find out that your accountant didn’t bother to record any of your receipts. This could result in hefty fines and worse.

They don’t help with financial analysis

The accountant you hire should be your company’s financial expert. It should provide you with an in-depth analysis of your books and records to help you fully understand the financial health, overall costs and profit margins of your business. This financial analysis is essential to keep you informed of the current state and potential future of your company’s finances, which will help you make sound business decisions.

So, if your company’s current accountant isn’t helping with a financial analysis at all — he’s just keeping the books up to date and calling it a day — it’s time to find a new one. I recommend looking for an accountant who makes it a point to walk you through each statement at the end of the month and show you areas of the business to cut costs, allocate more budget, etc. It will help you run your business much more efficiently. .

To wrap it all up

As a business owner, you’ll want to entrust your business finances to the best accountant possible. It’s time to find a new accountant if your current accountant isn’t providing monthly financial statements, doing monthly reconciliations of your company’s books, or helping with financial analysis. Other telltale signs that it’s time to find a new accountant are if they don’t help you with financial analysis and you find a lot of inaccuracies in your books. Start looking for a new accountant now if any of these signs apply to your current accountant.

Nathan Liao is the founder of CMA Exam Academy, one of the top Certified Management Accountant examination exam programs. As a CMA and CMA Coach, Nathan mentors accounting and finance professionals in over 80 countries to achieve their CMA certification in as little as 8 months. The CMA Exam Academy’s unique exam framework has proven to be the key to its students’ outstanding success in achieving their dream of earning the Certified Management Accountant certification. www.cmaexamacademy.com

Model aircraft enthusiasts flying high with replica warbirds | Western Colorado


Rental, utility assistance available throughout Nebraska


OMAHA, Neb. (KMTV) – MACCH and others want to spread the word: funds are available for rent and utilities.

“You’ll see our billboards, our bus wraps,” said Lisa Vukov, director of the continuum of care for the homeless in the metropolitan area. “We have outreach activities that will go directly to landlords and landlords.”

When applications through MACCH were not available earlier this year, Vukov said he worked to revamp the application process. She said they were inundated with applications when they relaunched on April 1.

“We hope the process will be easier for people this time around,” she said.

To be eligible, renters must be at or below 80% of the median income for their family size. In addition, at least one person in the household must be able to:

  • Explain how the pandemic has negatively impacted them financially, directly or indirectly.
  • Show risk of homelessness or housing instability.

Vukov said “the vast majority of people in the United States have experienced some kind of economic hardship due to the pandemic.” They dig into the individual’s situation, but someone who was laid off from a struggling business today might qualify.

“There’s nothing that’s going to flip a switch and it’s all over,” Vukov said. “We took in a population that was already living paycheck to paycheck…which is taking a long time to recover.”

The maximum amount available is 12 months of salary arrears and three months of future rent and utilities. MACCH began accepting repeat applications when it relaunched in April.

United Way’s 211 helpline is a catch-all for people who need help. Calls to 211 doubled between 2019 and 2021.

Links to Tenant Programs:


There is also a fund explicitly available to owners. The Nebraska Homeowner Assistance Fund opened in February, through the Nebraska Investment Finance Authority. They’ve spent about $1 million of the $50 million available through 2026, said NIFA executive director Shannon Harner.

The fund can cover mortgages, property taxes, and other property-related expenses, such as HOA fees. It does not cover utilities, but it refers people to others who do.

Like rental programs, NHAF is for those who have seen a negative impact from the pandemic. Someone who lost their job due to the state of the economy today “would generally” qualify if they met all the other criteria, Harner said.

Money in the bank

Existing rental assistance funds expire Sept. 30, but it appears Douglas and Lancaster counties will be able to fund the programs beyond that date.

Vukov said MCACH reopened in April with $61 million, mostly from reallocated funds from the Nebraska state program. Of that, they’ve spent a quarter to a fifth so far, she said, and hopes it will last until the September 30 expiry.

The Christian Outreach Elkhorn program, for tenants in Douglas County outside Omaha, has $2 million that is expected to last through September 30, COPE’s Jane Gordan said. Nebraska’s program has $25 million, according to Governor’s spokesman Pete Ricketts, who doesn’t expect the funds to run out until Sept. 30.

Inflation, housing and food

United Way of the Midlands’ Matt Wallen says the community has a high level of need and is affected by a ‘new phenomenon’ called ‘inflation inequality’.

He said that because inflation has hit essentials, including housing and food, particularly hard, those living in poverty are seeing higher inflation than those with higher incomes.

Utilities were up 12% from a year ago, he said.

“It’s a lot harder to be able to support your…households because of this inflation,” Wallen said. “Incomes are not growing at the same rate as this inflation.”

Despite the financial conditions, philanthropy remained strong in the community, he said.

Busy in eviction court

There’s been a steady upward trend in deportation filings, Nebraska Legal Aid attorney Scott Mertz said.

Evictions can be ordered the same day, but the vast majority are prevented. MACCH has a specialist in the Deportation Court every day. They work with volunteer lawyers and Legal Aid to prevent evictions.

“Unfortunately, we’re seeing some landlords unwilling to work with rental assistance programs,” Mertz said.

Funds can be paid directly to the tenant if the landlord does not accept the funds. It takes longer, however, Mertz said. When landlords don’t cooperate, the court gets busier, he said.

And after?

Ricketts declined to apply for rental assistance available beyond Sept. 30 and vetoed a bill that would have required him to do so. But it appears that Douglas and Lancaster counties will still receive federal government funding.

For MACCH, the possible end of funding terrifies Vukov. However, the U.S. Treasury assured her that jurisdictions in Nebraska, including Douglas County, would get the first money out of funds that would have flowed to Nebraska, she said.

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Former consultant Samir Atitallah directs Mirabaud in the Middle East

Mirabaud, an international asset management and wealth advisory firm, has appointed former EY consultant Samir Atitallah as CEO of its Middle East division.

Founded more than two centuries ago in Switzerland, Mirabaud provides clients around the world with wealth management, asset management and corporate finance services. The company has approximately 700 employees working in 16 offices around the world, including two in the Middle East: in Dubai and Abu Dhabi.

Installed at the head of the Middle East division, Samir Atitallah, a 35-year-old Swiss citizen, joins the company externally and brings more than a dozen years of experience to this position.

Prior to joining the boutique financial services group, Atitallah was a member of the executive committee of Piaget (a luxury watch and jewelry brand) as Chief of Staff to the CEO after working for more than three years in the Organization & Strategy.

Prior to that, Atitallah spent nearly three years at EY in its Advisory division, focused on advising private banks and other financial institutions in a wide range of areas including operational excellence, regulatory transformation, finance and risk. .

In his new role, Atitallah was tasked with growing the business in the region, with a focus on the wealth management business line. “It will contribute to raising awareness of the group’s unique value proposition based on an independent, personalized and family-based approach to wealth management”, explained Nicolas Mirabaud, Head of Wealth Management at Mirabaud.

“The wealth management landscape in the region is changing at a rapid pace; At Mirabaud, we are committed to developing our offer to meet the changing needs of our customers. Samir is well placed to lead this change thanks to his expertise in strategy, finance and business development as well as his natural leadership and his multifaceted knowledge of the industry,” said Nicolas Mirabaud.

Alain Baron, Head of Wealth Management for the Middle East, said: “I am delighted to welcome Samir to the Middle East team. This significant hire demonstrates our commitment to continuously strengthening and innovating our wealth proposition and growing the next generation customer base, whether in Dubai or Abu Dhabi.

Atitallah himself said, “We have the opportunity to capitalize on the region’s immense growth potential, and I look forward to working closely with the team to expand our client offering.

As part of a further strengthening of the company’s high governance in the region, the Swiss group has also appointed Nicolas Mirabaud as Chairman of the Board of Directors of Mirabaud for the Middle East.

PGGB’s Northern Ireland committee to be chaired by ‘World on Fire’ producer Amanda Black – ATV Today

The PGGB announced the members of its Northern Ireland committee this week.

The Production Guild of Great Britain has confirmed its NI Committee, the second of six National and Regional Committees set up by Britain’s leading membership body for production professionals, in response to the continued boom in high-end film and television production. range across the UK.

Lyndsay Duthie, CEO of PGGB:

“We are delighted to continue rolling out PGGB to nations and regions with the launch of our new Northern Ireland Committee. By creating a network of professionals based across the country, we enable better dialogue on how to target industry support that meets different needs on the ground. With recent hits like The Northman, Belfast, Derry Girls and Game of Thrones, and upcoming releases like Dungeons & Dragons to look forward to, Northern Ireland generates some of the most exciting screen content in the country. I am pleased that this new committee helps PGGB better represent the interests of its production professionals.

The Northern Ireland PGGB committee is sponsored by Sargent-Disc (a Cast & Crew company). It will be chaired by Belfast-based independent producer Amanda Black, who is currently producing Mammoth Screen’s upcoming second series of BBC One’s Second World War drama World on Fire. The VPs are: Paula Crickard, head of post-production at Nu Boyana Studios and producer whose feature film credits include BIFA-nominated Everton, Howards Way (2019) and Winter (2015); and emerging production accountant Michael Kilpatrick whose credits include Game of Thrones and Florian Zeller’s upcoming feature The Son starring Hugh Jackman and Anthony Hopkins.

Committee members are: production manager Darren Chesney (The School for Good and Evil, The Northman); production accountant Richard Henry (Rush, Cats); Location Manager Naomi Liston (The Northman, Game of Thrones); Louise Morrison, production accountant working in production development and training consultant, currently delivering the ScreenSkills UK production accountant assistant apprenticeship; and production manager Stacey Quigley (Invasion, Dungeons & Dragons).

Producer Amanda Black:

“I am delighted to chair the new Northern Ireland committee of the Production Guild. At a time when our industry in Northern Ireland is stronger than ever, it is important that those working behind the camera are well represented by national organizations that represent British industry as a whole. The launch of this committee is another important step in this direction. I look forward to working with my colleagues and putting Northern Ireland further up the map as a location of excellence for filming.

The Northern Ireland Committee of the PGGB is the second National and Regional Committee of the PGGB to be established. It follows the Bristol and South West England Committee which was launched in September. The locations were chosen based on the British Film Commission’s Stage Space Support Development Centres. Four more committees are expected to be launched in Scotland, Wales, the North West of England and Yorkshire in the coming months.

Each committee will meet at least four times a year and offer a variety of activities in its field, including forums, masterclasses and networking events. The President and CEO of PGGB will meet annually with the Chairs of the six National and Regional Committees as a steering group. For more information on the Northern Ireland Committee of the PGGB, click on here.

Lara Sargent, Co-Head of International, Cast & Crew and Director, Sargent-Disc:

“The work of the Northern Ireland PGGB Committee will be essential in ensuring a joint approach to high quality production across the UK, and especially between Northern Ireland and the Republic. Sargent-Disc is honored to support the Committee, as well as production on the island of Ireland and across the UK.

Fiesta Motor Show Draws Enthusiasts – The Vacaville Reporter


Vintage Chevrolets, Fords and a host of vehicles from other automakers drew crowds to downtown Vacaville on Saturday for the 20th annual Fiesta Days car show.

Along East Main Street, from Davis Street to Wilson Street, classic cars, trucks and motorcycles dominated the scene. Men, women and children, many of them in strollers, roam the neighborhood, amazed by the beauty of the automobiles on display.

To add to the fun, artists from the Live Music Center and winners of the Fiesta contest took in the view.

Rodrigo Rivera from Fairfield came with his wife and a young son. The family made frequent stops to admire the huge selection of vintage vehicles, oh and ahh at their immaculate condition.

“It’s great to be here,” Rodrigo said.

He had worked the night before and had literally slept a little, waking up after barely resting to spend some quality time with his family.

An affinity for automobiles, it seems, runs in the family, and this auto show was no exception.

“It’s so beautiful. We love it,” he said.

Nearby, Frostie Torres sat next to a friend who was occupying a blue and white 1955 Chevy on display.

“That’s good. We’re happy to bring our cars,” she said, perched on a wheelchair. She pointed out that the friends and their husbands have long complemented each other.

“We went to school together, and our husbands went to school together and now we have matching cars,” Torres added.

His vehicle, a silver and white 1955 Chevy, sat nearby.

Across the street, at CreekWalk and Andrews Park, Fiesta festivities were in full swing.

The fun continues on Sunday, Hispanic Day, starting at 11 a.m.

That’s when a mass on the CreekWalk stage, performed by Father Berg and including the music of a mariachi band, kicks off the day.

At noon, Folklorico Juvenil Danzantes Unidos will dance and open the Fiesta Garden, Jailhouse and concessions. A highlight will be the jalapeno and onion eating contest at 3 p.m.

On Monday, the last day of Fiesta, events will run from 10 a.m. to 5 p.m.

Musical performances begin at 10 a.m., with the Fiesta Garden, Jailhouse, and Concessions opening an hour later.

Get your latest Fiesta Corn Dog, Funnel Cake, and other treats, as they won’t be offered until next year.

For a complete list of festivities, visit www.vacavillefiestadays.org/.

JD coaching king Peter Cowgill loses his crown – leaving big shoes to fill | Retail business


He was the self-proclaimed sneaker king, running one of the coolest shops on the high street, but a series of missteps led to 69-year-old Peter Cowgill being kicked out of the business he started.

After a board meeting at the group’s headquarters in Bury last Wednesday, he exited with immediate effect – and JD Group shares plunged 18%.

Cowgill, the workaholic chairman and chief executive of JD since 2004, oversaw a dramatic turnaround in the group’s fortunes, increasing its market value to 60 times what it was when he joined and creating a global brand.

He helped founders David Makin and John Wardle launch the business in 1996, left in 2001 but was brought back three years later after profits plummeted following the ill-conceived acquisition of rival First Sport.

Since then, Cowgill has been riding the casual dress trend by making JD appealing to women and securing exclusive deals with Nike and Adidas. He spotted change online and oversaw a series of bold deals, starting with the acquisition of rival Allsports in 2005 and, most notably, entering the US market with the acquisition of Finish Line in 2018. .

The boy from Bolton, who attended De La Salle High School in Salford and had his first job as an accountant above a local hair salon, has seen his wealth grow alongside that of shareholders. In the past two years alone, he has sold more than £53m worth of JD shares and retains a stake worth almost £12m.

Considered a detail-oriented who nevertheless likes to end the day at the pub, Cowgill told the Guardian in 2016 that the secret to JD’s success was, “We never rest on our laurels and get gutted if there’s even a day when our numbers are negative.”

Chris Bird, the former Manchester City boss who was non-executive director of JD for nine years, said: “He has his hand very firmly on the tiller. He likes to know where every book goes and has a very good eye for an opportunity. Cowgill, he said, “revels in the pursuit of greatness… He was CFO when he floated and he came back and brought him back from the brink.

But shareholders revolted last year after it emerged Cowgill had received nearly £6m in bonuses despite the company accepting over £100m in government Covid support.

The JD board spent Thursday and Friday placating shareholders via conference calls. It is understood Cowgill is leaving after opposing the board’s plan to split the roles of chairman and chief executive, which he has held jointly since 2014.

Cowgill’s exit marks a painful break with longtime backers Pentland Group, the Speedo-to-Kickers conglomerate run by the billionaire Rubin family, which became majority shareholder of JD shortly after his arrival, buying out Makin and Wardle.

Pentland said that with JD’s “meaningful growth” comes “a responsibility to ensure the company continues to evolve its internal organization.” A well-informed source said the Rubins got the impression that Cowgill “thought he was bigger than the company”.

A series of missteps over the past few years have only led to change under the leadership of a new set of non-executive directors led by Helen Ashton, the former chief financial officer of Asos, who is now interim chairman , and Kath Smith, who spent 25 years at the helm. director of the Adidas and Reebok brands and is now acting general manager.

In February, JD Sports and Footasylum were fined a total of £4.7million for sharing sensitive information. A competition watchdog accused them of deleting phone records and found their chairmen had held several clandestine meetings, including one caught on video in a parking lot near Bury.

Before that, JD dropped a bid for Debenhams – only after millions of pounds were wiped off the value of the business when she emerged was she considering an off-the-rack deal for the struggling retailer. And a few months earlier, JD threw its Go Outdoors subsidiary into administration, then bought it out without expensive leases.

Meanwhile, the competition watchdog will give a further update next month on an investigation it launched in 2020 into possible price fixing on Rangers football kit by retailers including JD.

One person likely to celebrate Cowgill’s departure is Mike Ashley, founder and majority shareholder of Sports Direct owner Frasers Group. He spent years fighting over the sportswear market with his rival.

Ashley, who once bragged that he would “finish” JD, clashed with Cowgill over a number of deals. In 2018, Sports Direct revealed that it had acquired a nearly 20% stake in Finish Line shortly after JD announced its intention to take control of the US retailer. Then in 2020 they were both lined up to buy shoe chain Office before a big stalemate over Debenhams, which was snapped up by online specialist Boohoo.

Ashley’s group was seen as key to persuading the competition watchdog to block JD’s acquisition of Footasylum. In a veiled reference to Ashley, Cowgill said in his response to the CMA’s decision that the watchdog was “duped by self-serving testimony from a notoriously vocal contestant.” The tracksuit mogul may have had the last laugh.

Choosing between pretax and Roth 401(k) plans is trickier than you think

Prathanchorruangsak | Istock | Getty Images

Whether you’re a current employee or changing jobs, you may have to choose between pretax and Roth 401(k) contributions, and it can be trickier than you expect.

Here’s the difference: Pre-tax 401(k) deposits reduce your adjusted gross income, and the money grows tax-free, meaning you’ll pay levies on withdrawals. In contrast, Roth 401(k) contributions do not provide upfront amortization, but earnings are tax exempt.

However, there may be other tax trade-offs, so you’ll need to weigh the pros and cons before embezzling funds, say financial experts.

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About 86% of 401(k) plans offered a Roth account in 2020, up from 75% in 2019, according to the Plan Sponsor Council of America.

“Generally, the goal is to take deductions at a higher tax rate and distributions at a lower rate,” said certified financial planner Ken Waltzer, co-founder and managing partner of KCS Wealth Advisory in Los. Angeles.

If you anticipate more income or higher taxes in retirement, tax-free withdrawals of Roth contributions may be wise, and tax-deferred contributions may be better if you expect lower income and withdrawals.

But that’s not always a winning strategy, according to Michelle Gessner, Houston-based CFP and founder of Gessner Wealth Strategies.

“Investors are quick to reject the idea of ​​making Roth contributions if they’re in a high tax bracket because they want the deduction that comes with making a regular 401(k) contribution,” she said.

However, the initial write-off may not be worth it if you’re worried about the consequences of required taxable minimum distributions, she said.

Social Security and Medicare Costs

When a person withdraws tax-deferred money from a 401(k), it increases their income, which can trigger Social Security levies and increase health insurance premiums.

The formulas for Social security contributions, Health insurance part B and Medicare Part D use what is called Modified Adjusted Gross Income, or MAGI.

If half of your Social Security plus MAGI payments are over $34,000 ($44,000 for a joint filing), up to 85% of those benefits may be taxable.

However, the biggest problem for retirees above certain income levels may be the supplement for Medicare Part B, known as the Income-Related Monthly Adjustment Income, or IRMAA.

While the base Medicare Part B premium amount is $170.10 for 2022, payments increase once income exceeds $91,000 ($182,000 for co-filers). The calculation uses MAGI from two years ago.

Roth withdrawals, however, won’t show up on tax returns, Gessner said, meaning retirees don’t have to worry about those distributions driving up Medicare premiums.

Diversify taxes

Since no one can predict future tax rates, you can also consider creating a mix of before- and after-tax funds for diversification, experts say.

“It’s great when clients have both Roth and traditional retirement savings,” said Catherine Valega, CFP and wealth consultant at Green Bee Advisory in Winchester, Massachusetts.

If you have both before- and after-tax funds, it can give you more options for building an effective retirement income plan, she said.

Accountants urge Treasury to end ‘huge’ pension tax bills for thousands of GPs


Accountants specializing in GPs have urged the Treasury to take action to prevent ‘huge’ pension tax bills from thousands of GPs.

Pulse reported yesterday that the average GP could be hit with a ‘nightmare’ tax bill of £33,000 due to the ‘unfair’ way inflation is applied to their pension, according to GP pension experts.

The Association of Independent Specialist Medical Accountants (AISMA) said it had written to the Treasury asking it to ‘take action’ to avoid the ‘huge tax bills for thousands of GPs’.

He warned of ‘growing concern within the medical profession over perceived unfairness in the annual allowance tax’ which could see GPs ‘land with punitive tax charges due to the current steep rise of inflation”.

This “could lead to GPs reducing sessions or leaving the NHS”, he said.

AISMA’s letter to the Treasury said: “The likely scenario is that there will be strong repo growth in 2021/22 and 2022/23, followed by negative growth in 2023/24.

“This means that GPs will be heavily taxed in the first two years, but will receive no relief in the third year.”

He added that middle-income GPs could find themselves facing ‘high’ tax bills ‘simply because of inflation, which was never foreseen by law’.

And some ‘may decide to retire early’ because ‘in many cases’ they will exceed their available £40,000 threshold allowance ‘simply because of the disconnect between the way inflation figures are calculated “, did he declare.

“While the number of GPs is not decreasing, the unintended consequence will be a reduction in the sessions they choose to work,” he added.

AISMA warned that GPs “also risk not being able to accurately comply with their self-assessment requirements through no fault of their own”.

He recommended that the annual allowance legislation should be ‘reviewed’ in the longer term.

AISMA Board Member Andrew Pow said: ‘The tax burden of annual retirement allowances remains a significant barrier to retaining doctors for working sessions in the NHS at a time when the NHS in probably needs it the most.

“GPs will need to consider whether they wish to work additional shifts, for example in primary care network roles or for out-of-hours organisations.”

AISMA proposed three “short-term” measures to solve the problem:

  • Amend the Finance Act so that “the measurement of inflation for NHS workers is aligned with HMRC and NHS Pension calculations”, removing inflation differences to make taxation “fairer” and “more easy to predict »
  • Recognize years of “negative growth” so they can be “carried back to the previous year to allow tax burdens to match real growth over a longer period”
  • Allow NHS England and devolved bodies to replicate the 2019/20 pay scheme to ‘protect clinicians from growing pensions so they are freed up to work at their maximum capacity in the NHS’

The issue is the tax-free annual allowance (AA) charge, which applies when an individual’s pension grows by more than the maximum amount of non-taxable growth in a year – the standard AA currently stands at £40,000, but this is adjusted based on total income.

However, an ‘anomaly’ in the legislation means that the way HMRC calculates the increase in the value of an individual’s pension is based on ‘pseudo-growth’ – meaning doctors will potentially be billed on “a benefit they will never actually receive”, as the BMA put it.

The BMA said it amounted to ‘pension theft’ and advised GPs to ‘prepare financially’ for a large tax burden or consider taking early retirement or reducing their pensionable salary, but he later updated his website to soften that advice.

geetanjali shree: Beyond Booker: Geetanjali Shree, a history scholar, is a theater enthusiast and loves vintage Hindi film music

Geetanjali Shree who made his mark in Hindi literature with his first collection of short stories “Anugoonj” in 1991 now finds himself in the international spotlight as his Hindi novel, “Ret Samadhi” translated into English as “Tomb of Sand” by Daisy Rockwell wins the International Booker Prize. It’s the first Hindi book to win the prestigious award, and as Shree picks up her first international win, here’s an intimate look at the Delhi-based writer’s reading preferences and writing inspirations.

A doctor of history, the 64-year-old has five collections of short stories and five novels published to date. She is also active in theater and works with Vivadi, a theater troupe made up of writers, artists, dancers and painters.

In an interview at
Bookerprize.com, the author said that many literary works inspired her to write. “I can talk about writers who have enriched my being and made me discover different ways of telling history. Krishna Sobti showed me the importance of the smell of the earth, the cadence of language and the pure materiality of the description which makes the narration of life vibrate; Nirmal Verma pretty much got rid of the vaunted necessity of dialogue in his writing, and let the atmosphere take over, thus creating another breath in the writing; Intizar Hussain enriched my imagination with his very “oriental” way of telling a story within a story within a story and mixing epic, folk tale and mythology with the contemporary and the everyday; KB Vaid thrilled me with his risky and daring games with form and language; Sri Lal Shukl with sardonic humor colored the personal with the political; Vinod Kumar Shukla gave the mundane a slightly oblique gait, thereby drawing attention to things and people forgotten or taken for granted,” said Booker’s winner.

The author said that apart from Hindi, several international authors continued to enrich “his imagination and sharpen his literary awareness” and named the literary giants like Coetzee, Dostoyevsky, Haldor Laxness, Hemingway, Garcia Marquez, Kundera, Borghes, Osamu Dazai, Alice Munroe, Tanizaki, Unamuno, and Gao Xingjian as inspiration.

A fan of vintage Bollywood music, the author’s earliest reading memory is of the heartwarming tales of “The Panchatantra” and “Chandamama” children’s magazines.

Back to recommendation stories

In the same interview, Shree said “Mahabharata” is the book that changed her life. “It is not for nothing that it is said to contain everything. All the possible stories, all the possible ways to tell them, they are all there. He is bold, wise, crazy, human and clairvoyant. Always disturbing and inspiring,” the author said of the epic.

Currently, his book ‘Ret Samadhi’ is being talked about. The story of the novel is set in northern India and follows an 80-year-old woman. Speaking about where the idea for the story came from, the author said: “In the case of ‘Tomb of Sand’, the image of the back of an old bedridden woman, who seemed to no longer care live and pushed deeper into the wall, as if to bury herself in it, gradually took hold of me. This aroused my curiosity: is she really tired of life and the world and does she turn the back, or is she slowly preparing for a new and different round of life?When she seems to want to disappear into the wall, does she want the end or does she really want to burrow in and come out the other side ?

4 ways to finance a motorcycle


NEW YORK – May 26, 2022 – (



iQuanti: Motorcycles are loved by many as some of the most exciting vehicles on the planet, and for many riders, these must-have vehicles come with a price tag that says finance is needed. Many bikers hit the road with some kind of motorcycle loan, which can take different forms depending on the lender.

The following common motorcycle financing options have general benefits and risks, but the best way to finance a motorcycle will ultimately depend on your particular situation.

Unsecured Loans

Some mainstream lenders offer motorcycle loans which are a form of unsecured personal loan that can be used to finance a motorcycle. In most cases, you can also use these loans for other purposes, such as motorcycle maintenance costs, upgrades, etc.

Since these loans are unsecured, you do not need to present any assets as collateral. And you don’t need to wait too long for the application process either. These types of loans make a lot of sense for anyone who wants a fixed-rate, fixed-term loan that won’t put their home or car at risk if they can’t pay it off on time.

Secured loans

Secured loans require collateral and are most often secured with the vehicle you purchase. If you don’t make the payments on a secured motorcycle loan, you could lose your vehicle.

Secured loans can be distributed either by a traditional lender, such as a bank or credit union, or by a non-traditional lender, such as a motorcycle dealership.

Equity loans

Equity loans are secured loans that allow you to borrow against the equity built up in your home. You generally need at least 20% equity in your home to qualify for a home equity loan or HELOC (Home Equity Line Of Credit), and if you do, keep in mind that taking out these loans are a long and expensive process, and failure to make your payments could result in the loss of your home.


Renting a motorcycle is technically not buying a motorcycle because you are essentially renting the motorcycle. The advantage of leasing is that it can be easier to get approved. Disadvantages include high fees and interest that accrue, which generally means that leases will cost more overall than loans.

Many leasing companies require large down payments and the motorcycle will be repossessed by the lender at some point. It will be resumed sooner if the tenant misses payments, which will also hurt their credit rating tremendously.

Find the right lender to fuel your passion

Generally speaking, a traditional lender such as a financial institution will give you the most options. For example, while many dealers and manufacturers offer one or two financing options that apply only to the vehicle purchased, a traditional lender can offer many types of loans, secured or unsecured, depending on your credit score and other eligibility factors.

In many cases, it doesn’t hurt your credit score to explore your options with a traditional lender who offers prequalification for personal loans and/or motorcycle loans. You can also consult a loan specialist and/or financial planner for additional information on which options might be best for you.

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4 ways to finance a motorcycle

Veteran fintech blogger Bill Winterberg joins AdvicePay in new role as VP

After more than a dozen years of creating content under the Banner FPPadIndustry veteran and leading fintech blogger, Bill Winterberg, is embarking on a new adventure in a new part of the country.

Bill Winterberg

On Wednesday, Winterberg shared with his followers and supporters the news that it has joined industry-leading billing and payment platform AdvicePay as vice president of growth for the organization’s financial planning. In the newly created role, Winterberg will draw on his years of expertise to develop business-focused, fee-for-service thought leadership content to raise awareness of new advisor compensation models to serve non-financial clients. traditional.

His work will also train advisors on how to implement new fee models to expand the customer base they serve and help companies develop best practices for increasing fee revenue and increasing ongoing financial planning fees. .

But don’t expect his blogging and video production to stop anytime soon. As his FPPad content creation comes to an end and the FPPad email newsletter is retired, he will continue to share ideas and advice via the AdvicePay financial advisor community blog. He adds that FPPad’s website and YouTube channel, curated since he founded the brand in 2009, will remain online as a resource for advisors.

“I’ve always been a strong supporter of advisors using technology so they can scale their business, expand their services, and offer more financial planning to more investors and clients,” Winterberg told Financial Planning. “AdvicePay was very much in line with what I was doing with FPPad. Scalable technology, efficiency, and the ability to bring more planning services to more households in America.

Winterberg said the path to his new chapter began when the pandemic hit. Before COVID, FPPad covered industry conferences and went to customer sites for advice. But all that came to an abrupt end in March 2020.

With schools also closed, Winterberg decided to put FPPad on the back burner to become a stay-at-home dad to help his sixth-grader, now a seventh-grader, navigate the new normal. He also undertook video production work for a healthcare facility in Atlanta where his family lived.

But a job opportunity for his wife in Boston led to other bigger family changes. After making the decision to accept this new job, Winterberg found himself with a major choice to make.

“If I have to go back to things, do I want to run FPPad? This offered very interesting opportunities. Or do I want to reach out to some of my former clients and colleagues and other clients and see if there are any opportunities to do something 100%,” he said, noting that as an external consultant, he was sometimes kept at a distance when helping clients. “For 2022, if I want to do something, can I kind of break through that barrier and go all-in with one company? And AdvicePay was that company.

He adds that his passion for financial services still burns and dates back to his days as an arcade-loving kid who fell in love with pinball machines in 4th grade.

Still a fan of pinball to this day, Winterberg said he learned the value of a smart approach, good planning, and enjoying your hard-earned cash while getting the most out of his chips in game coins. currency crowded from the 80s and 90s.

“My mom used to give me a dollar when I was in fourth grade and I would go to the local arcade to play ‘Shinobi’ and ‘Ghosts ‘n Goblins’ and ‘Pole Position.’ And I figured out that four quarters would last me about four minutes…I wasn’t that good and I wasn’t making much progress on those cabinets,” he said. “So I went to pinball machines and I put in a quarter and realized that if you’re really good at it, you can get a high score and you can get a free game. So now I’m doing four quarters, but I’m not just playing four games. I play seven or eight games. So it was like this value proposition for me to get the most out of a dollar, and that stuck with me throughout my career.

“That’s why I’m so adamant about financial planning, because it gets the most out of your money,” he continued. “If you just work to establish a great champion and high scores, you will have more fun and you can play again. And that’s life. »

AdvicePay and XY planning network co-founders Alan Moore and Michael Kitces are also excited to add Winterberg to the team. Moore said having someone with his knowledge, experience and standing in the industry is a boon to the organization.

“The fee-for-service movement is gaining momentum, but it’s new and takes time for advisors and businesses to embrace and adapt,” Moore said in a statement. “We are confident that Bill’s experience, skills in developing educational content for advisors, and ability to work with advisors and businesses will be essential in helping advisors and their affiliated institutions optimize business model growth. fee-for-service to drive client success and advisor results throughout the financial planning process.

“We have known and admired Bill’s efforts to support advisor technology and drive advisor innovation over the past decade,” Kitces added. “He has been a great promoter and supporter of the fee-for-service approach to financial planning, and we couldn’t be more delighted to have him help drive our growth strategy here at AdvicePay and expand the reach of financial planning to the next generation of customers.

Scroll down to catch up on other recent fintech news you may have missed in our Wealthtech Weekly roundup.

University of Limerick graduate elected president of Chartered Accountants Ireland


A GRADUATE from the University of Limerick has been elected President of Chartered Accountants Ireland.

Members of Ireland’s oldest professional accountancy body elected Pat O’Neill as President at the Institute’s 134th AGM.

Mr O’Neill graduated from the University of Limerick in 1989 with a Bachelor of Commerce (Hons) degree before training as a Chartered Accountant with EY.

In his new role, he highlighted the need to tackle the persistent capacity constraints facing the profession.

At the AGM, he noted, “Despite the recent and ongoing challenges of the pandemic and the re-emergence of significant inflationary pressures, the economy continues to grow. Our economic pillars of significant foreign direct investment and thriving domestic businesses require appropriate levels of accounting talent; however, several structural factors are causing very real problems on the supply side in this regard.

“The high school accounting curriculum, introduced more than 25 years ago, does little to introduce young people to the scope of the role of the modern accountant,” he noted, adding, “it It is therefore imperative that the program be fit for purpose in the 21st century, otherwise students will be deterred from a career in accounting, and we will not have the “benchmark strength” to support businesses on this island.

Mr. O’Neill has over 30 years of experience as an audit partner with EY. He has served on the Board of Chartered Accountants of Ireland since 2014; is a former Chair of the Institute’s Audit, Risk and Finance Board; and is a past president of its Leinster Society.

At the AGM, Sinead Donovan was elected Vice President of Chartered Accountants Ireland and Barry Doyle was elected Vice President.


Decanters Market Size, Trends and Forecast to 2029


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Wendy’s Company Comments on Trian Partners Amended 13D Filing


DUBLIN, Ohio, May 24, 2022 /PRNewswire/ — The Wendy’s Company (Nasdaq: WEN) today issued the following statement regarding Schedule 13D/A filed by Trian Fund Management, LP and certain of its affiliates with the Securities and Exchange Commission:

Wendy’s® was founded in 1969 by Dave Thomas in Columbus, Ohio. Dave has built his business on the premise “Quality is Our Recipe®”, which remains the hallmark of the Wendy’s system. Wendy’s is best known for its made-to-order square burgers made with fresh never-frozen* beef, freshly prepared salads and other signature items like chili, baked potatoes and Frosty® dessert. The Wendy’s Company (Nasdaq: WEN) is committed to doing the right thing and making a positive difference in the lives of others. This is especially visible through the company’s support of the Dave Thomas Foundation for Adoption® and its Wendy’s Wonderful Kids® program, which aims to find every child in the North American foster care system a loving, forever home. Today, Wendy’s and its franchisees employ hundreds of thousands of people in more than 6,700 restaurants worldwide with a vision to be the fastest growing and most loved restaurant brand in the world. For more details on franchising, contact us at www.wendys.com/franchising. Visit www.wendys.com and www.squaredealblog.com for more information and connect with us on Twitter and Instagram using @wendys, and on Facebook at www.facebook.com/wendys. *Fresh beef available in the contiguous United States, Alaska and Canada.

“Wendy’s Company’s Board of Directors and management team regularly review the company’s strategic priorities and opportunities with the goal of maximizing value for all shareholders. Our Board is committed to continuing to act in the best interest of the company and its shareholders. fiduciary obligations, the Board of Directors will carefully consider any proposal submitted by Trian Partners.

As evidenced by our recent first quarter results, we continue to make meaningful progress against our three strategic growth pillars, building on the strength and resilience of the Wendy’s® brand and delivering solid increases in ACV and sales. We remain focused on achieving our vision of becoming the world’s fastest growing and most loved restaurant brand.”

Forward-looking statements

This press release contains certain statements that are not historical facts, including statements regarding the Company’s strategic priorities and opportunities and its future performance. These statements, as well as statements preceded, followed by or containing the words “will”, “may”, “believe”, “intend”, “plan”, “expect”, “anticipate” or Similar expressions constitute “forward-looking statements” within the meaning of the Private Securities Litigation Reform Act of 1995 (the “Reform Act”). Forward-looking statements are based on the Company’s expectations at the time, speak only as of the dates on which they are made, and are subject to a number of risks, uncertainties and other factors that could cause that our actual results, performance or achievements differ materially. of those expressed or implied by any forward-looking statement. These factors include, but are not limited to, the factors identified in the “Special Note Regarding Forward-Looking Statements and Projections” and “Risk Factors” sections of our Annual Reports on Form 10-K and Quarterly Reports on Form 10-Q. and in our other filings with the Securities and Exchange Commission. For all forward-looking statements, the Company claims the protection of the safe harbor for forward-looking statements contained in the Reform Act.

About Wendy’s

Wendy’s® was founded in 1969 by David Thomas in Columbus, Ohio. Dave built his business on the “Quality is Our Recipe®” principle, which remains the hallmark of the Wendy’s system. Wendy’s is best known for its made-to-order square burgers made with fresh never-frozen* beef, freshly prepared salads and other signature items like chili, baked potatoes and Frosty® dessert. The Wendy’s Company (Nasdaq: WEN) is committed to doing the right thing and making a positive difference in the lives of others. This is especially visible through the company’s support of the Dave Thomas Foundation for Adoption® and its Wendy’s Wonderful Kids® program, which seeks to find a loving, forever home for every child awaiting adoption from the foster care system. North American. Today, Wendy’s and its franchisees employ hundreds of thousands of people in approximately 7,000 restaurants worldwide with a vision to be the fastest growing and most loved restaurant brand in the world. For more details on franchising, contact us at www.wendys.com/franchising. Visit www.wendys.com and www.squaredealblog.com for more information and connect with us on Twitter and Instagram using @wendys, and on Facebook at www.facebook.com/wendys.

*Fresh beef available in the contiguous United States, Alaskaand Canada.

Investor contacts:
Kelsey freed
Director – Investor Relations
(614) 764-3345; [email protected]

Media Contact:
Heidi Schauer
Vice President – ​​Communications, Public Affairs and Customer Service
(614) 764-3368; [email protected]



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SOURCEThe Wendy’s Company

Dr. Linda Casson-Hackett honored as Woman of the Month for May 2022 by POWER (Professional Women of Excellence Recognized)

Dover, DE, May 24, 2022 — (PR.com) — Dr. Linda Casson-Hackett of Dover, Delaware is honored as the May 2022 Woman of the Month for her outstanding achievements and contributions in the areas of nonprofit organizations. nonprofit and education. Each month, POWER features women to represent their professions and industries based on their expertise and success in their chosen specialty.

About Dr. Linda Casson-Hackett
Dr. Linda Casson-Hackett is senior vice president, co-founder, and director of the statewide academy of the Delaware Multicultural and Civic Organization (DEMCO), a nonprofit whose purpose is is to increase and promote educational, economic and social stability through the provision of extracurricular activities. programs in school districts across the state. In existence for 25 years, DEMCO focuses on prevention, financial literacy, and an array of program choices, including languages ​​such as Chinese and Spanish, academic programming, social and economic development, and computer programming. for adults for IC3 certification. This also includes mentorship and connections to complete programs. Through the DEMCO Academy, DEMCO serves communities across the state of Delaware, particularly Kent County, and over 98% of its programs are free. The University of Delaware did a study on DEMCO from 2015 to 2018 and found that over 9,000 customers were served.

In her role, Hackett works with school boards, superintendents, principals, state agencies, staff, and civic leaders, implementing program opportunities in schools, community centers, churches, and the DEMCO facility. It uses state standards to ensure core values ​​are upheld. “I co-founded DEMCO because as an educator, I knew more community programs were needed to meet the needs of students and parents in all zip codes. Strong families equal strong communities,” Hackett said.

Throughout his career, Hackett has held many positions. She was a former human relations commissioner appointed by the mayor of Dover, Delaware; a math teacher, a professional counselor/organizer, a student council counselor, a math league counselor, a math department chair, and a student-teacher counselor for the Capital School District. Additionally, she was involved in the CSD partnership with DSU; was the alternate route advisor for DSU and UFD; a teacher/mentor; a workshop leader for the University of Delaware; a trainer from the educational resource centre; an adjunct professor at DSU, an alternative school principal, a grant writer; a community development organization, a property owner and a DEMCO Mentor Advisor.

Hackett has written various publications, including “A Religion-Based Value System Overcomes the Challenges of Diverse Cultures, Diverse Religions, and Indifferent Behaviors in Education” and “Student Mentoring Program”. She was co-author of “Outdoor Classroom”. Currently, Dr. Hackett co-publishes a bi-weekly newspaper to help inform families of services available in the area to improve the quality of life for all family members.

Dr. Hackett has three sons; one has a doctorate. in economics, the other two have an M.Ed. She also has a daughter who has two masters and is a reverend. Hackett believes her children have succeeded because of their strong support system, which is essential to getting an education. “All children are educators and continue to make a difference in the lives of thousands of people,” Hackett said. “As an educator, I wanted to help prepare each student to meet the challenges of the world and to be able to achieve their aspirations. DEMCO was born while I was teaching. I knew more was needed after I retired, and that’s why I continued to serve.

Linda has received numerous accolades, including the National Science Foundation Award (DE) and the State STEM Recipient Award, (DE). She was the state news winner for the state’s top multicultural and community outreach nonprofit; won the NAACP award and was nominated for Kent County Unsung Hero Awareness. Additionally, she won the Eastern Star Community Outreach/Educator Award and a Capital School District Referendum Team Award.

Hackett is a member of DELTA Sigma Theta sorority and Phi Delta Kappa sorority. She belongs to the Calvary Baptist Church and sits on its budget committee. She was also a financial consultant for the movie “God’s Amazing Grace” starring Clifton Davis.

Linda holds a bachelor’s degree in education from Delaware State University and a master’s degree in human resource management/school supervision from Wilmington University. She received her doctorate in theology from Friends University.

About POWER (Recognized Women’s Professional Organization of Excellence) and powerwoe.com
POWER-Professional Organization of Women of Excellence Recognized is an online organization and community. POWER Magazine is a digital, exclusive print magazine featuring celebrities and hardworking professional women every day. Our mission is to provide a powerful network of women who will guide, inspire and empower each other to be the best they can be. Through our valuable services and collaboration with like-minded professionals, our members can potentially gain the recognition and exposure they deserve, as well as gain insights from those who have already succeeded.

Bourke: Technology is great for accountants, but don’t overestimate its capabilities


Jim Bourke, partner and managing director of consulting services at Top 100 Firm Withum, is excited about the prospects the technology holds for the future. At the same time, he said, it’s important to keep things in perspective to avoid overselling these advances. They can do a lot, Bourke says, but they’re not ready to do it all yet, despite what some salespeople are saying.

“I don’t think accountants are wrong about technology. I just think they’re trying to take it for more than it actually is,” he said.

Take robotic process automation: While true RPA exists, Bourke said people often use the term for things where it just doesn’t apply.

“When someone tells me they’re doing RPA and then tells me what they’re doing, that’s an algorithm. There’s no robotic process automation going on. When I ‘explore, all these companies are talking about a lot of algorithms. There’s a fine line. We have to overcome algorithms and move to true RPA and it’s going to happen. But it’s taken us forever to get to the cloud, so that going to take time,” he said.

He even pointed the finger at companies that present themselves as specializing in RPA solutions for accounting. Although they tend to be much more advanced than other companies, they still need humans, usually overseas, to complete tasks.

“[Some companies] have developed a process that involves bots that automate, that outsource, the accounting process. They haven’t perfected it because there are still people in the Philippines who are part of that process. The bots go out, they get the data, put it where it needs to be, the outsourced group in the Philippines looks at it and says, ‘Let’s make it a phone expense,'” he said.

These humans actively participate in making robots smarter, he said, because by examining data, they teach machines how to perform a process. Eventually these bots will become more advanced and the true promise of RPA will be unlocked, but at this point it’s less common than often claimed.

He cited tax software as another example. Although the current suite of solutions is quite advanced, there are too many accountants who think the software does the job for them, which can make them more accommodating to mistakes. This is an understandable mistake, as the software seems to do it all: the accountant scans into the W2 and the computer automatically fills in the information, knowing exactly what information goes where.

“I am an accountant and I use this technology. We have accountants sitting on the screen, they say the comeback is done, the W2 is here. Wait, they took the software for granted, assuming everything was populated correctly, and then they complain when the system parses and populates incorrectly,” Bourke said.

It’s important, he warned, that accountants see this software as a beginning, not an end. It’s a tool that helps you do your job, no more, no less. No tool can cover all possible errors and while software can fix some, it will leave others behind, much to the chagrin of a less than diligent accountant.

“Humans, for example, make transposition errors, like a six instead of a nine. Well, the technology won’t make those mistakes, but if it’s a dirty scan, the technology can detect a three as an eight. He may not totally see it as a human might, so accountants quickly have these issues with technology. They need to understand that it’s just another tool for us in the process. Don’t expect him to do the tax return, don’t expect him to scan and complete the entire return,” he said.

He noted that if it really was as easy as scanning a document and clicking an icon, then why would anyone need a CPA in the first place? Clients, he said, look to accountants for professional advice. If all they needed was to file a simple return, they could sign up for TurboTax.

“A lot of our young professionals don’t like this piece very much. Why would you use a CPA unless you get extra value from their advice? ” he said.

This story is part of an Accounting Today series called “The Frontier,” where we explore the cutting edge of accounting technology through conversations with thought leaders across the country, who will share with us their observations, hopes, their concerns and even some predictions here. and there. We’ll see you at the border.

See the rest of the series here.

Corsair’s first-ever gaming laptop features a Touch Bar


Corsair, after decades of being a leader in desktop PCs, is releasing its first-ever gaming laptop. The new Voyager a1600 is an AMD powerhouse, featuring both Ryzen 6000-series processors and AMD Radeon RX 6000 series. The device is Corsair’s first venture into mobile hardware after acquiring enthusiast PC maker Origin in 2019.

We don’t yet know for sure what this device will look like since the images Corsair provided us with are renders only, and we only got a brief glimpse during AMD’s Computex keynote. Still, take a look and one feature will probably jump out at you: there’s a Touch Bar.

Zoom on a real Corsair Voyager.
Screenshot by Sean Hollister/The Verge

This row of shortcut buttons above the keyboard is of course not called the “Touch Bar”. Corsair described it to me, more accurately, as “ten customizable shortcut buttons that are easy to access with the S key.” The good thing is that this row of 10 easy-to-access customizable shortcut buttons adds extra keys to the keyboard – it doesn’t. replace the feature row, which is a choice some other manufacturers have made with mixed reception.

These S-keys are powered by Elgato Stream Deck software, which means you’ll likely use them for various live streaming controls, including switching scenes, launching media, and adjusting audio. We wouldn’t necessarily expect a laptop to be the device of choice for many streamers, but it’s still an interesting idea that’s unusual in the gaming space – and can also work well as a game controller. Zoom meeting.

Also, it looks like you can access these touch controls when the laptop is closed. I like that you can see the battery indicator before you open the thing up, but I wonder what buttons might be hitting when the laptop is in a backpack or something. We’ll know more about how these buttons work when we get our hands on the device (which should be in July, according to Corsair).

Elsewhere, the Voyager will include a full-size Cherry MX low-profile mechanical keyboard with per-key RGB backlighting as well as a 1080p FHD webcam. I see what looks like a physical webcam shutter in these renders, which may be a good sign that Corsair is making efforts in this area (which not all game makers do).

Potential Voyager buyers will be able to choose between a Ryzen 7 6800HS and a Ryzen 9 6900HS – both configurations come with a Radeon 6800M GPU. You can get up to 64GB of RAM (Corsair Vengeance DDR5, of course) and 2TB of storage. The device has a 16-inch 2560 x 1600, 240Hz display and two Thunderbolt 3 USB 4.0 ports, one USB 3.2 Gen 2 Type-C, one USB 3.2 Gen 1 Type-A, one SDXC 7.0 card reader and an audio jack.

It’s no surprise to see Corsair following in the footsteps of Razer, another gaming hardware company that expanded into the enthusiast laptop sphere after a build-and-buy frenzy. Corsair has made a number of recent acquisitions, including Elgato, peripheral maker Scuf Gaming as well as Origin, and it looks set to expand its reach to users who don’t necessarily want to build their own systems.

The quality and success of this laptop may be our first clue as to how good this expansion is. Origin has made decent PCs in the past and particularly stand out for the customization of the systems they sell. It will be interesting to see how configurable the new Corsair machine is and how well those design choices play out in the enthusiast space.

Council fills seats, discusses two proposed subdivisions – Picayune Item

Two seats on the Picayune planning commission have been filled by the city council and some housing development requests have been discussed.

During this meeting Councilor Frank Ford moved a motion to appoint Michael Blades to fill a position on the Commission vacated by Glen Rayborn. Councilor Anna Turnage seconded this motion, which was approved unanimously.

A second seat representing residents outside the city limits was nominated by Councilor Lynn Bogan Bumpers, who chose Kim Bowens to fill that seat. Councilor Larry Breland seconded the nomination and it was unanimously approved by the rest of council.

Council also discussed certain budget items, such as positions in the city that are funded by more than one department. Connie Everett, financial consultant for the Southern Mississippi Planning and Development District, said when a position is funded by more than one department, department heads are unable to keep their budgets in line. She said that this fact, combined with the fact that the new position was unbudgeted and that some raises were given to city employees who were also unbudgeted, made it difficult for her to analyze the budget effectively. current.

In response, she took what has been spent so far this fiscal year and adjusted the budget to the city’s current spending level.

Council was also asked to authorize the position of assistant clerk on a part-time basis and to authorize the position of assistant clerk at the full-time entry level. City Clerk Sid Albritton said with the new hires he will have the staff he needs to get through the budget year.

Council also discussed a revised preliminary subdivision plan for the Cottage at the Nest subdivision. During a previous discussion about this subdivision, Councilor Anna Turnage expressed concern that there were too many homes planned for the project, making the lots too small, so she asked that the lots are 50 feet wide.

During Tuesday’s discussion, code enforcement officer Tom Milar said the lots had been reduced to 28 in total, with the lot sizes being 45ft wide. With this proposed change, Turnage asked if the project would be referred to the Planning Commission. City Attorney Nathan Farmer said that since there was a change of more than 5%, the case should be referred to the Planning Commission.

Citizens near this proposed subdivision will be alerted to the new public hearing before the Commission, Milar said. He added that the proposed subdivision will feature 24-foot-wide New Orleans-style homes.

Ford introduced a motion to approve the subdivision on the condition that lot sizes be no less than 45 feet wide, with homes 24 feet wide, and no more than 28 homes in total being built.

This motion was approved, with Turnage voting against.

In a separate subdivision case brought by Melvin Hicks and Leaver Guy, which involved 15 lots along Neal Road, Ford brought a motion to refer the case to the Planning Commission due to the possibility of soil contamination by fuel tank leaks. Ford requested that soil samples be obtained from a government agency such as the Department of Environmental Quality or the Environmental Protection Agency before the project proceeds.

Council approved this motion, but at the end of the meeting, Guy asked to speak to the matter. After Mayor Jim Luke initially declined Guy’s request to speak and asked for a motion to adjourn the meeting, Luke asked legal counsel if Guy could speak, who said it was up to Council. Council then approved a motion to allow Guy to speak, who expressed disgust at claims that the property is potentially contaminated. Guy said these claims are devaluing the property. Guy added that he had contacted DEQ about this, who informed him that the tanks were not on his land.

“We don’t even own that part of the property,” Guy said.

After Guy spoke, Ronald Jackson voiced his objection to the subdivision due to flooding issues, and Bod Lowe opposed the subdivision stating that although the tanks are not directly on the property, any leaks potential would not be contained outside the property in question. .

Practice Management Software for Accountants Market Size Latest Research Report | Intuit, Sage, SAP – The Daily Vale


Overview of Practice Management Software for Accountants Industry 2022-2030:

This has caused several changes, this report also covers the impact of COVID-19 on the global Practice Management Software for Accountants market.

The Practice Management Software for Accountants Market Analysis Summary by Market Strides is an in-depth study of the current trends leading to this vertical trend in various regions. The research summarizes important details related to market share, market size, applications, statistics and sales. In addition, this study emphasizes an in-depth competitive analysis on the market outlook, especially the growth strategies claimed by market experts.

Practice Management Software for Accountants Market competition by top manufacturers as follows:
Intuit, Sage, SAP, Oracle (NetSuite), Microsoft, Infor, Epicor, Workday, Unit4, Xero, Yonyou, Kingdee, Acclivity, FreshBooks, Intacct, Assit Cornerstone, Aplicor, Red Wing Software, Tally Solutions

Get a sample PDF copy of the report
Get a sample PDF copy of the report @ https://marketstrides.com/request-sample/practice-management-software-for-accountants-market

The global practice management software for accountants market has been segmented on the basis of technology, product type, application, distribution channel, end-user, and industry vertical, along with geography, providing valuable information.

The type coverage in the market is:
Cloud-based, on-premises

Market Segment by Applications, covers:
Small and Medium Enterprises (SME), Large Enterprises

Market segment by Regions/Countries, this report covers
North America
Rest of Asia-Pacific
Central and South America
Middle East and Africa

Scope of Practice Management Software for Accountants Market:

UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, etc.
REPORT COVER Total Revenue Forecast, Company Ranking & Market Share, Regional Competitive Landscape, Growth Factors, Emerging Trends, Business Strategies, etc.
REGIONAL ANALYSIS North America, Europe, Asia-Pacific, Latin America, Middle East and Africa

Key Factors Covered in the Report:

  • Global Practice Management Software for Accountants Market Summary
  • Economic impact on industry
  • Market competition in terms of manufacturers
  • Production, Revenue (Value) by Geographic Segmentation
  • Production, Revenue (Value), Price Trend by Type
  • Market analysis by application
  • Cost survey
  • Industrial chain, raw material sourcing strategy and downstream buyers
  • Understanding of Marketing Strategy, Distributors and Traders
  • Market Research Factors Study
  • Global Practice Management Software for Accountants Market Forecast
  • The analysis objectives of the report are as follows:

    To know the size of the global Practice Management Software for Accountants market by identifying its subsegments.
    -Study important players and analyze their growth plans.
    To analyze the global practice management software for accountants market size and value, based on key regions
    To analyze the Global Practice Management Software for Accountants Market regarding growth trends, prospects along with their participation in the overall industry.
    To examine the global Practice Management Software for Accountants Market size (volume & value) from the company, essential regions/countries, products and application, background information.
    -Global Leading Practice Management Software for Accountants Market manufacturing companies, to specify, clarify and analyze the product sales amount, value and market share, market rivalry landscape, SWOT analysis and development plans for the future.
    -Review competitive developments such as expansions, arrangements, new product launches and market acquisitions.

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    Market Strides is a global aggregator and publisher of market intelligence development reports, stock reports, database directories and economic reports. Our repository is diverse, covering virtually every industry sector and even more so all categories and sub-categories within the industry.

    Our pre-integration strategy for publishers is perhaps what sets us apart in the market. The publishers & their market share, the reports are meticulously validated by our panel of internal consultants, before being posted on our website. These in-house consultants are also responsible for ensuring that our website features only the most recent reports.

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    Grit X is the perfect watch for outdoor enthusiasts


    Having a high-tech sports watch can make your time outdoors much more fun and your workouts more productive. But there’s always the worry of damaging your expensive toy.

    The Polar Grit X is designed for rugged outdoor enthusiasts who want all those technical features but don’t want to live in constant fear of damaging their investment.

    The Grit X passes multiple military-grade tests for functionality in extreme temperatures, high humidity, and crashes.

    Still, the lightweight multisport watch (just 64 grams) won’t slow you down while running.

    With 40 hours of battery life, it’ll keep up with your longest workout, and the smart refueling feature will remind you when it’s time to eat or drink on the trail.

    Mountain bikers will love the uphill and downhill steps you can take, and hikers and trail runners will appreciate the step-by-step guidance to help you navigate the trickiest routes.

    You can even get a two-day weather forecast, so you know how to dress for the elements. The Grit X offers specific tracking and metrics for over 130 different sports and activities, and it can provide training programs via the Polar Flow app.

    Perhaps best of all, the watch offers a sleek, minimalist look that looks out of place anywhere.

    Price: $430, C

    $25 million in funding for UrbanFootprint, a city data specialist


    $25 million in funding for UrbanFootprint, a city data specialist

    May 20, 2022

    US-based UrbanFootprint has raised $25m in a Series B funding round, which it will use to accelerate its delivery of climate and community intelligence to the energy, government, finance sectors and real estate.

    UrbanFootprint provides data on climate, land use, economic and social conditions, combined with targeted information that maps and measures risk and opportunity. Customers using the company’s industry-specific data products and mapping tools can focus on any region of the country and assess existing conditions across hundreds of community, social and environmental measures; measure and map market risks and opportunities, and prioritize where to deploy interventions and investments.

    The new funding round was led by Citi (through its Citi Ventures and SPRINT groups) and Social Capital, with participation from new investors 2150, A/O PropTech, Assured Guaranty and Dcode Capital, and previous investors Valo Ventures and Radicle Impact. Jeff Meyers, Principal and Principal Investor at Citi Ventures, comments, “UrbanFootprint’s deep experience in urban planning, data science, and location analytics software empowers any business and any governments to make smarter and faster decisions about where to best invest.”

    The company, which is led by co-founder and CEO Joe DiStefano (pictured), is online at www.urbanfootprint.com.

    China-Linked Twisted Panda Caught Spying on Russian R&D Organizations

    Chinese cyber spies have targeted two Russian defense institutes and possibly another research center in Belarus, according to Check Point Research.

    The new campaign, dubbed Twisted Panda, is part of a larger, state-sponsored spying operation that has been going on for several months or even nearly a year, according to the security outlet.

    In a technique analysisthe researchers detail the various malicious stages and payloads of the campaign that used sanctions-related phishing emails to attack Russian entities, which are part of the public defense conglomerate Rostec Corporation.

    Check Point Research also noted that around the same time they observed the Twisted Panda attacks, another Chinese Advanced Persistent Threat (APT) group Mustang Panda was observed exploiting the invasion. Ukraine to target Russian organizations.

    In fact, Twisted Panda may have ties to Mustang Panda or another Beijing-backed spy ring called Stone Panda, aka APT10, according to security researchers.

    In addition to the timing of the attacks, other tools and techniques used in the new campaign overlap with China-based APT groups, they wrote. For this reason, the researchers attributed the new cyber espionage operation “with high confidence to a Chinese threat actor”.

    During the search, the Security Workshop also discovered a similar loader that contained what looked like a simpler variant of the same backdoor. And based on that, researchers say they expect Twisted Panda to be active since June 2021.

    Phishing for Defense R&D

    The new campaign began on March 23 with phishing emails sent to defense research institutes in Russia. All had the same subject: “List of [target institute name] persons under US sanctions for invading Ukraine”, a malicious document attached, and contained a link to a site controlled by the attacker designed to look like Russia’s Health Ministry.

    An email was sent to an organization in Minsk, Belarus on the same day with the subject: “US spread of deadly pathogens in Belarus”.

    Moreover, all attached documents looked like official documents of the Russian Ministry of Health with the official emblem and title.

    Downloading the malicious document drops a sophisticated loader that not only hides its functionality, but also avoids detection of suspicious API calls by resolving them dynamically with the name hash.

    By using DLL sideloading, which Check Point says is “a favorite evasion technique used by several Chinese players”, the malware evades anti-virus tools. The researchers cited the PlugX malware, used by Mustang Panda, and a newer APT10 global spy campaign that used VLC player for sideloading.

    In this case of the Twisted Panda campaign, “the actual execution process is valid and signed by Microsoft,” according to the analysis.

    According to security researchers, the loader contains two shellcodes. The first runs the persistence and cleanup script. And the second is a multi-layer charger. “The goal is to consecutively decrypt the other three fileless loader layers and eventually load the main payload into memory,” Check Point Research explained.

    New Spinner backdoor detected

    The main payload is a previously undocumented Spinner backdoor, which uses two types of obfuscations. And while the backdoor is new, the researchers noted that the obfuscation methods have been used together in earlier samples attributed to stone panda and panda mustang. These are control flow flattening, which makes the code flow non-linear, and opaque predicates, which ultimately cause the binary to perform unnecessary calculations.

    “Both methods make it difficult to scan the payload, but together they make scanning tedious, time-consuming and tedious,” the security magazine said.

    The primary purpose of the Spinner backdoor is to execute additional payloads sent from a command and control server, although the researchers claim that they did not intercept any of these other payloads. However, “we believe that selected victims likely received the full backdoor with additional abilities,” they noted.

    Linked to the Chinese five-year plan?

    Victims – research institutes that focus on the development of electronic warfare systems, specialized on-board radio-electronic equipment in the military, avionics systems for civil aviation, and medical equipment and control systems for energy, transport and engineering industries – also link the Twisted Panda campaign to China’s Five-Year Plan, which aims to develop the country’s scientific and technical capabilities.

    And, as the FBI warned [PDF]the Chinese government does not hesitate to use cyber espionage and IP theft to achieve these goals.

    As Check Point Research concluded: “With previous reports of Chinese APT groups carrying out their espionage operations against Russia defense and governmental industry, the Twisted Panda campaign described in this research could serve as further evidence of the use of espionage in a systematic, long-term effort to achieve Chinese strategic goals of technological superiority and military might.” ®

    Bike enthusiasts celebrate Bike to Work Day on Friday


    On Friday, cycling enthusiasts in Windsor-Essex will bring back a world tradition.

    The town’s Bike Committee is teaming up with Bike Windsor-Essex to introduce Bike to Work Day, encouraging residents to not only take advantage of the warmer weather, but also save money as bike prices gasoline remain high.

    The event is also designed to ask residents for their thoughts on what they would like to see in Windsor when it comes to cycling, according to Ward 9 Councilor Kieran McKenzie.

    “Our committee’s mandate is to improve the safety and sustainability of cycling in our community,” said McKenzie, chair of the cycling committee. “For Bike to Work Day, we’re asking the community to tell us directly what they think it will take to get more people to incorporate cycling into their daily routines.”

    Bike to Work Day starts outside Bike Windsor-Essex’s head office on Monmouth Street in Olde Walkerville. Riders are encouraged to join a ride to the Ambassador Bridge and then to Jackson Park. Riders can leave the road at any time to get to work or school.

    From 8 a.m. to 10 a.m., City of Windsor staff will be at the picnic pavilion at the southwest end of the park to gather information from people about how Windsor could become more bike-friendly. Light refreshments and beverages will be available.

    “Supporting commuters and everyday cycling in Windsor should be a priority,” said Lori Newton, general manager of Bike Windsor-Essex. “Many more residents would choose to cycle rather than drive for short trips if we had a connected network of safe cycling infrastructure.”

    Information shared by Bike to Work Day attendees will be forwarded to the Cycling Committee and then to Windsor City Council for consideration and potential implementation at a future meeting.

    ACM RESEARCH, INC. : Changes in Holder’s Chartered Accountant, Other Events, Financial Statements, and Exhibits (Form 8-K)


    Item 4.01 Changes in Certifying Accountant of Declarant.

    (a) Termination of former independent registered public accounting firm

    On May 12, 2022the audit committee of the board of directors completed a competitive selection process to determine our independent registered public accounting firm for the year ending December 31, 2022. The Audit Committee has invited several independent accounting firms subject to the control of the Public Company Accounting Oversight Council, or PCAOB. As a result of this process, on May 16, 2022we rejected BDO China Shu Lun Pan Certified Public Accountants LLP, or BDO China, as our registered independent accounting firm. BDO China, which audited our consolidated financial statements from 2015 to 2021, is not inspected by the PCAOB and therefore was not considered by the audit committee when selecting our audit firm- independent accountants registered for the year ending December 31, 2022.

    BDO China’s reports on our consolidated financial statements and internal control over financial reporting for the years ended December 31, 2021
    and 2020 did not contain an adverse opinion or disclaimer of opinion and were not qualified or modified as to uncertainty, scope of the audit or accounting principles.

    During the fiscal years ended December 31, 2021 and 2020 and in the following intermediate period until March 31, 2022there has been (a) no “disagreement” (as defined in Regulation SK 304(a)(1)(iv) and the instructions therein) with BDO China on any matter of principle or accounting practices, financial statement disclosure, or audit scope or procedure which, if not resolved to BDO China’s satisfaction, would have caused BDO China to refer to it in its reports on the financial statements. consolidated financial statements for the years ended December 31, 2021 and 2020 and (b) no “Reportable Event” (as defined in Rule SK Section 304(a)(1)(v)).

    We have provided a copy of the above information to BDO China and requested that BDO China provide us with a letter addressed to Security and Exchange Commission, pursuant to Section 304(a)(3) of Regulation SK, stating whether BDO China agrees or disagrees with the above information. A copy of BDO China’s letter provided pursuant to this request is filed as Exhibit 16.1 to this Form 8-K.

    (b) Commitment of a New Registered Independent Public Accounting Firm

    On May 12, 2022the audit committee also approved the commitment of Armanino LLPor Armaninoas our new independent accounting firm registered to perform independent auditing services for the year ending December 31, 2022.
    Armanino is subject to control by the PCAOB. The commitment of Armanino
    became effective on May 19, 2022.

    During the fiscal years ended December 31, 2021 and 2020 and in the following intermediate period until March 31, 2022neither we nor anyone on our behalf have consulted Armanino with respect to either (a) the application of accounting principles to a specific transaction, whether completed or proposed, or the type of audit opinion that might be rendered with respect to our consolidated financial statements, and no written report or oral notice has been provided to us by
    Armanino it was an important factor that we considered in making a determination regarding any accounting, auditing, or financial reporting matter or (b) any matter on which we “disagreed” ( as defined in Section 304(a)(1)(iv) of Regulation SK and related instructions) or a “Reportable Event” (as defined in Section 304(a)(1)(v) of the SK regulations).

    Item 8.01 Other Events.

    As part of our annual shareholders’ meeting to be held on June 30, 2022 or the 2022 annual meeting, we will file with the Security and Exchange Commission or the SECONDand provide holders of our Class A and Class B common stock beginning on May 3, 2022 (the record date of the 2022 annual meeting), a proxy statement which will include a proposal to ratify the covenant of Armanino as our registered independent accounting firm for the year ending
    December 31, 2022. Shareholders are urged to read the proxy statement and any other relevant documents filed with the SECOND as they become available, as they will contain important information.

    Shareholders will be able to obtain the proxy statement and other materials filed by us relating to the 2022 annual meeting free of charge when such materials become available in (a) by sending a letter to Shareholder Services at ACM Research, Inc., 42307 Osgood RoadSuite I, Fremont, California 94539 to the attention of our Corporate Secretary or by email at [email protected] or (b) by visiting our website at www.acmrcsh.com or the DRY website at www.sec.gov.

    ————————————————– ——————————

    Information concerning the identity of persons who may, under the rules of the SECONDwill be deemed to be participants in the solicitation of shareholders in connection with the 2022 annual meeting, and their interests in the solicitation will be set forth in the proxy statement that we will file with the SECOND as part of the 2022 General Assembly.

    Item 9.01 Financial statements and supporting documents.

    (d) Exhibits.
    Exhibit                                  Description
      16.1     Letter dated May 19, 2022 from BDO China Shu Lun Pan Certified Public
               Accountants LLP to the Securities and Exchange Commission
    104        Cover Page Interactive Data File (embedded within the Inline XBRL

    ————————————————– ——————————

    © Edgar Online, source Previews

    Aviation Week Network’s Engine Leasing, Trading & Finance Europe event to be held in London June 7-8


    Aviation week network logo

    The European aerospace engine leasing and trading community will gather in London for Aviation Week Network’s Engine Leasing, Trading & Finance Europe (ELTF).

    ELTF has 20 years of experience in the European aerospace engine sector. The content of the conference proved to be valuable information for this community.

    — Lydia Janow, Senior Vice President, Events, Aviation Week Network

    NEW YORK, NY, USA, May 19, 2022 /EINPresswire.com/ — CONTACT:
    Elizabeth Kelley Grace
    [email protected]

    Aviation Week Network’s Engine Leasing, Trading & Finance Europe event to be held in London June 7-8

    The European aerospace engine leasing and trading community will gather in London for Aviation Week Network’s Engine Leasing, Trading & Finance Europe (ELTF) on June 7-8 at Park Plaza Victoria. The conference is part of Aviation Week Network’s Aero-Engines series with annual conferences and exhibitions in Europe and Asia-Pacific, as well as the Americas. The event is expected to attract over 250 registered attendees.

    Engine Leasing, Trading & Finance has been bringing together a focused group of lessors, airlines, MROs, OEMs, suppliers, consultants and financiers for 20 years in Europe to discuss the complexities of the engine leasing market. The event will bring together high-level representatives from donors, airlines, MROs, OEMs, suppliers and financiers.

    The agenda will include speakers from AAR, Alitalia, Engine Lease Finance, GE Aviation, GA Telesis, Lufthansa Group, Pratt & Whitney, Rolls-Royce, Royal Aero, Safran Aircraft Engines, Shannon Engine Support, Willis Lease Finance Corporation and many others. . The full agenda is available here.

    “ELTF has 20 years of experience in the European aerospace engine sector. The conference content has proven to be a valuable source of information for this community, as well as a forum for business leads and networking opportunities,” said Lydia Janow, senior vice president of events for Aviation Week. Network. “After a two-year hiatus, we are delighted to bring this event back to London!”

    Aviation Week Network is the largest provider of information and multimedia services for the global aviation, aerospace and defense industries, serving 1.7 million professionals worldwide. Industry professionals rely on Aviation Week Network to help them understand the market, make decisions, forecast trends, and connect with people and business opportunities. Customers include the world’s leading aerospace manufacturers and suppliers, airlines, airports, business aviation operators, military, governments and other organizations that serve this global market. Aviation Week Network’s portfolio offers award-winning journalism, data, intelligence and analysis resources, world-class trade shows and conferences, and results-driven marketing and advertising services that help our customers to succeed. Aviation Week Network is part of Informa Markets, a division of Informa PLC.

    Informa Markets creates platforms for industries and specialty markets to trade, innovate and grow. Our portfolio includes over 550 international B2B events and brands in markets such as healthcare and pharma, infrastructure, construction and real estate, fashion and apparel, hospitality, food and beverage, and health and nutrition, among others. We provide our customers and partners around the world with opportunities to engage, experience and do business through face-to-face exposures, specialized digital content and actionable data solutions. As the world’s leading trade show organizer, we bring a wide range of specialty markets to life, unlocking opportunities and helping them thrive 365 days a year. For more information, please visit www.informamarkets.com.

    # # #

    Elizabeth Grace
    +1 561-702-7471
    write to us here

    Why This Accountant Says Using Super To Buy Your First Home Is A Dumb Idea


    Now, before you start calling me a liberal basher, let me set the record straight – I hate all political parties equally!

    Government policy is rarely about the greater good and is mostly used to try to win votes (read bribe? Verb; to dishonestly persuade (someone) to act in one’s favor by a gift of money or other inducement.)

    The Coalition’s May 15 press release stated, “Under the Super Home Buyer Scheme, homebuyers will be able to invest up to 40% of their retirement pension, up to a maximum of $50,000 to help when buying their first home… When you sell, the amount you invested is returned to your super plus a share of any capital gains.

    As always, such policies are poorly thought out and never address assumptions. In this case, this includes:

    • What happens if the property breaks down? ;
    • What happens at death? ;
    • What happens in the event of a divorce?;
    • What happens if the house is not sold when a taxpayer is potentially eligible for an old age pension? ;
    • If there is a gain and it is returned to a superfund, what are the tax implications? ;
    • What happens if the price drops and the value is less than the loan — will the super portion be taken by the bank? ; and
    • Is a limited recourse borrowing agreement required? Will banks charge a higher interest rate due to less security?

    This policy will allow an influx of new entrants to the real estate market, leading to an increase in demand, then upward pressure on prices. Even Superannuation Minister Jane Hume has admitted that Australian house prices will “temporarily” rise as a result of the government’s new home purchase programme. This is the opposite of what the policy purports to achieve, which is to make homeownership more affordable.

    In my mind, it’s a band-aid solution. Over the years, state and federal housing incentives and strategies have morphed into cash grants, stamp duty waivers, ultra-low interest rates, and now using superannuation. As prices have gone up, incentives have gone up, etc.

    Bank and property developer lobbyists seem to have government tied around their little fingers. The only lobbyists listened to by politicians are those who make profits for themselves and not for the good of society. I have personally lobbied in Western Australia for a meeting with the Prime Minister, Minister for Education and Deputy Minister for Education regarding improving the state of financial literacy in WA schools, without success to even get a meeting (let alone start a meaningful change). If someone has an extra $10,000 for a seat at a political dinner…

    Raising house prices more than long-term inflation is bad for society as a whole. An ever-increasing share of revenue is used to service mortgage loans, even in an extremely low interest rate environment. This leads to less disposable income to spend on other things in the economy.

    No politician has the courage to do what is necessary to slow the growth of property to a rate close to the rate of inflation. I would like to see concessions decrease over time and a limit of two properties per person. First-time home buyers should also moderate their expectations. A single person doesn’t need a four-bedroom house.

    My lovely wife Kate has heard me talk about all things money for 20 years. And I can just hear him say “it has something to do with eggs and baskets, doesn’t it?”, when it comes to putting more than 100% of your wealth in a single asset.

    Personally, I would like real estate to be a social good and not an investment class. I don’t have all the answers, but the options presented by the major parties point in the wrong direction.

    Disclosure: I have interests in residential and commercial properties. The proposed policy will probably make me money. But sometimes you have to look beyond your own circumstances to decide what’s best for society as a whole.

    Why enthusiast gaming stock is up more than 10% today


    What happened

    Shares of Holdings of gaming enthusiasts (NASDAQ: EGLX) were up 14.3% as of 11:02 a.m. ET on Tuesday after reporting first-quarter results on Monday.

    The company reported an increase in content viewership across its gaming communities and platforms. Revenue grew 57% year-over-year, driven by strong monetization trends across its online properties , to an increase in direct sales, subscriptions and acquisitions of Addicting Games and U.GG properties. This is a good start to the year in what is typically a slow seasonal quarter.

    So what

    Enthusiast Gaming is on a mission to create the largest multimedia platform for gaming and esports fans, and the latest operating results show good progress. The company has built an audience of 300 million people per month across 100 websites and channels on social media platforms. The next phase of management’s strategy is to monetize these viewers through subscriptions and advertisements.

    The company ended the quarter with 233,000 paying subscribers, up from 207,000 in January. This fuels improved profitability.

    Gross margin grew more than twice as fast as revenue in the first quarter. The company still reported a net loss of C$11 million ($8.5 million) on revenue of C$47 million, but this is an improvement from the loss of C$13.5 million in the prior year quarter.

    Image source: Getty Images.

    Now what

    CEO Adrian Montgomery said the company has started the year well and should continue to generate rapid growth: “Our flywheel model, centered on communities, content, creators and experiences, continues to drive increasing value. Our team is well positioned to continue to deliver rapid revenue growth, while growing gross profit at a significantly faster rate.”

    A key part of the investment thesis is not only the growth of the video game and esports industry, but also the expansion of margins. The company’s gross margin was 28.6% in the quarter, but management sees a trajectory towards 50% in the long term. After an improvement in gross margin of nearly 9 percentage points year over year, it is heading in that direction.

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    Another motion for extension of time granted, SEC response to emails due May 18


    According to James K. FilanThe court granted both parties’ motion for an extension of time involving attorney fees related to Dr. Albert Metz’s supplemental report in a text-only order, and it is now due by May 27, 2022.

    Earlier in Ripple v. SEC, the court denied defendants Ripple’s (Brad Garlinghouse and Chris Larsen) motion to strike the Metz report while reopening the discovery until May 13 to refile Dr. Metz. The SEC was, however, ordered to pay “reasonable expenses” relating to the filing of the motion and Metz’s re-deposition.

    Securities and finance specialist Dr. Albert Metz filed his original report on October 4, detailing an event analysis conducted to see if Ripple could manipulate the price of the XRP currency with his announcements. He concluded that the token’s performance was influenced by “certain news and public statements.”

    Over the weekend, Ripple filed a six-page response to the SEC’s claims that the Hinman documents were protected by attorney-client privilege. In the court document, Ripple argues that the emails may not be protected by attorney-client privilege, as claimed by the SEC.


    He pointed to the fact that the filing showed that former SEC official William Hinman delivered the 2018 Ethereum speech in a personal capacity. Ripple also claims that the substance of his personal remarks fell outside the scope of such attorney-client privilege.

    Meanwhile, the SEC’s response to the Ripple defendants’ latest response is expected on May 18.

    Ripple Achieves Great Place to Work 2022 Certification

    Ripple received certification from Great Place to Work in the United States for its company culture, employee experience and leadership. Great Place to Work is the leading authority on company culture, employee experience, and leadership practices that have resulted in market-leading revenue, employee retention, and greater innovation.

    Chinese small businesses crumble under shutdowns as expats leave | coronavirus pandemic

    Beijing, China – For Li Pei, keeping two businesses running during China’s lockdowns hasn’t been an easy task.

    At Li’s solar panel business in Shanghai, staff have been working remotely to meet sales quotas since the city was locked down in late March. Meanwhile, Li’s kindergarten in Beijing’s Haidian district is temporarily closed, having already struggled for months to attract new students following the announcement of the “double reduction” policy last year. “, which aims to ease the pressure on students by restricting private lessons and extracurricular establishments.

    Stuck at home without work, teachers in Li are being tested daily for COVID-19 until at least Wednesday, following district authorities’ announcement of mass testing in urban districts over the weekend. .

    “I have the same question as everyone else,” Li, who asked to use a pseudonym, told Al Jazeera. “‘Must I continue [my business] Or just shut it down completely?’ How can the government support small and medium enterprises? Without clear rules, we are immersed in uncertainty.

    Li is among millions of small business owners and entrepreneurs across China bearing the brunt of Beijing’s “dynamic zero COVID policy”, which has put the economy in its most precarious position since the start of the COVID-19 pandemic. pandemic.

    Retail sales and industrial production in April fell 11.1% and 2.9% respectively, according to official data released on Monday, their lowest levels since the start of 2020.

    Transmission at community level

    “If the government manages to end the current wave quickly enough, the question now is whether it still has time to increase infrastructure investment to the level needed to generate something close to gross domestic product. [GDP] target,” Peking University finance professor Michael Pettis told Al Jazeera, referring to Beijing’s ambitious target of 5.5% growth in 2022.

    In Beijing, authorities have shut down much of the city, despite insisting the capital is not heading for a Shanghai-style lockdown, as they struggle to contain an outbreak of the highly transmissible variant of the Omicron coronavirus.

    On Sunday, the Fengtai district, the site of the latest cluster of infections, announced the closure of gymnasiums, indoor recreation venues and training centers.

    City health authorities said on Sunday that community-level transmission had “not been cut off” amid persistent clusters, including a number linked to a courier company in Fangshan district, a group of bus drivers and a railway construction company.

    Authorities have advised residents of Fengtai, Chaoyang, Shunyi and Haidian districts – which are home to nearly 10 million people combined – to continue working from home.

    With no end in sight to the tough restrictions in the capital, business groups have warned of the effect of prolonged shutdowns on their operations.

    In a survey last month, the British Chamber of Commerce in China (BritCham) said 55% of respondents had “delayed or reduced their investments” due to pandemic-related disruptions since mid-March.

    “It’s crucial for businesses and individuals to prepare for a potential downturn in business, ensuring proper infrastructure to help set up remote working and increasing warehouse inventory to cope with the potential supply issues,” Alexandra Hirst, policy analyst at BritCham, told Al. Jazeera.

    Beijing residents rushed to stock up on food last week following online rumors of a citywide lockdown [File: Bloomberg]

    Uncertainty about the way forward has also spooked individual consumers.

    Beijing residents stormed supermarkets on Thursday following online rumors of a three-day citywide lockdown and the temporary suspension of food delivery and courier services.

    The panic buying came despite the authorities’ efforts to deny the rumors and reassure the public that there was an adequate supply of food.

    Eva Williams, who is leaving China in July after 12 years as an expat, said she immediately took a deep breath upon hearing the rumors because “having to go into full lockdown could have freaked me out”.

    “I was very relieved the lockdown didn’t happen,” Williams, who works as the principal of an international school in the city center and asked to use a pseudonym, told Al Jazeera. “I’m moving and there are certain requirements and certain documents that I need, so part of me is like, ‘If you want to do something, do it now and do it. I’m sure a lot of people leaving soon think the same.

    The American Chamber of Commerce in China (AmCham China) recently said it is “preparing for a massive exodus of overseas talent this summer”, while “fewer overseas employees [are] ready to fill vacancies in China.

    “For two years we have been strongly advocating for an easing of restrictions on business travel, there have been some improvements, but today it is still as difficult as ever to travel to China,” the official said. AmCham China president Colm Rafferty following the publication of a flash survey of its members earlier this month.

    Beijing-based financial consultant John Curry said the exodus of expats was affecting individuals more than foreign businesses.

    “The vast majority of these foreign companies are still Chinese – so it’s even more about local talent,” Curry told Al Jazeera.

    “Political decisions will have a more real impact. But what happens in Beijing will depend on the direction of the “zero COVID policy”. The situation is still unstable, so I think the status quo will remain until the end of this year.

    “Barely Manages”

    Earlier this month, China’s Cabinet pledged to roll out policies to support businesses and help reduce unemployment at a State Council meeting chaired by Premier Li Keqiang. Beijing also promised to help secure foreign orders and provide loans, in addition to maintaining the stability of the yuan, to support foreign business ventures.

    Pending more concrete policy announcements and support from the government, struggling business owners like Li are weighing the future of their businesses.

    Despite delivery issues, Li’s solar panel business in Shanghai has been able to stay above water by sourcing materials from suppliers in provinces without strict COVID rules.

    “But the losses in my kindergarten in Beijing hit us hard,” Li told Al Jazeera. “We barely manage to keep going, but we still do thanks to the academics we support.”

    “As a business owner, I have to convince my investors to back me because they trusted me and believed in my vision,” Li added. “But at the end of the day, I still have to make decisions – and my decision for now is to move forward based on the facts that I have and the hope that we will soon get out of this misery.”

    HOWARD HUGHES CORP Changes in Declarant’s Certifying Accountant (Form 8-K/A)


    Item 4.01 Changes in Certifying Accountant of Declarant.

    As previously reported in a current report on Form 8-K filed on May 10, 2022 by
    The Howard Hughes Company (the “Company”), the May 4, 2022the Company’s Audit Committee has authorized the engagement of KPMG srl (“KPMG”) to act as the Company’s registered independent accounting firm for the 2022 financial year.

    The Company is filing this amendment to the aforementioned Form 8-K to disclose that the May 13, 2022the KPMG engagement letter has been executed.

    During the last two financial years of the Company ended December 31, 2021 and 2020, and the following interim period until May 13, 2022neither the Company nor anyone acting on its behalf has consulted KPMG regarding either: (i) the application of accounting principles to a specific transaction, whether completed or proposed, or the type of audit opinion that might be issued on the financial statements of the Company, in respect of which a report written or oral advice has been provided to the Company that KPMG concluded was an important factor considered by the Company in making a decision on the accounting, auditing, or financial reporting matter; or (ii) any matter that has been the subject of a Disagreement (as defined in Rule 304(a)(1)(iv) of Rules SK and related instructions) or a Reportable Event ( as defined in Section 304(a)(1)(v) of Regulation SK).

    © Edgar Online, source Previews

    Analyze gaming enthusiasts (EGLX) and peers


    Enthusiast Gaming (NASDAQ:EGLX – Get Rating) is one of 34 public companies in the “amusement and recreation services” sector, but how does it stand out from its peers? We will compare Enthusiast Gaming to similar companies based on strength of institutional ownership, valuation, risk, analyst recommendations, earnings, dividends and profitability.


    This table compares the net margins, return on equity, and return on assets of Enthusiast Gaming and its peers.

    Net margins Return on equity return on assets
    Game enthusiast -30.82% -22.18% -16.54%
    Game-loving competitors 2290.89% 1.22% 170.83%

    Analyst Notes

    This is a breakdown of recent ratings and recommendations for Enthusiast Gaming and its peers, as provided by MarketBeat.com.

    Sales Ratings Hold odds Buy reviews Strong buy odds Rating
    Game enthusiast 0 0 3 0 3.00
    Game-loving competitors 73 267 376 ten 2.44

    Enthusiast Gaming currently has a consensus price target of $8.33, suggesting a potential upside of 350.45%. As a group, “amusement and recreation services” companies have an upside potential of 65.88%. Given Enthusiast Gaming’s higher consensus rating and higher upside potential, research analysts clearly believe that Enthusiast Gaming is more favorable than its peers.

    Benefits and evaluation

    This chart compares the revenue, earnings per share, and valuation of Enthusiast Gaming and its peers.

    Gross revenue Net revenue Price/earnings ratio
    Game enthusiast $132.78 million -$41.53 million -5.44
    Game-loving competitors $914.79 million -75.39 million dollars 53.56

    Enthusiast Gaming peers have higher earnings, but lower earnings than Enthusiast Gaming. Enthusiast Gaming trades at a lower price-to-earnings ratio than its peers, indicating that it is currently more affordable than other companies in its industry.

    Insider and Institutional Ownership

    19.1% of Enthusiast Gaming’s shares are held by institutional investors. In comparison, 34.0% of the shares of all “Amusement and recreation services” companies are held by institutional investors. 29.4% of the shares of all “Entertainment and Leisure Services” companies are held by insiders of the company. Strong institutional ownership indicates that endowments, hedge funds, and large fund managers believe a company will outperform the market over the long term.


    Enthusiast Gaming’s peers beat Enthusiast Gaming on 7 of the 11 factors compared.

    About Gaming Enthusiasts (Get a rating)

    Enthusiast Gaming Holdings Inc. operates in the media, content, entertainment and esports industries in the United States, Canada and internationally. The Company operates an online network of approximately 100 gaming-related websites; owns and operates Enthusiast Gaming Live Expo, a video game exhibition; provides management and support services to players involved in professional gaming; owns and manages esports teams, which span games including Call of Duty, Madden NFL, Fortnite, Overwatch, Super Smash Bros., Rocket League, and Valorant; and produces and schedules approximately 30 shows weekly on AVOD and OTT channels, and represents approximately 500 gaming influencers on YouTube and Twitch. It also operates Luminosity Gaming, an eSports franchise; and hosts other gaming events. The company is headquartered in Toronto, Canada.

    Get daily news and reviews for gaming enthusiasts – Enter your email address below to receive a concise daily summary of the latest news and analyst ratings for Enthusiast Gaming and related companies with MarketBeat.com’s free daily email newsletter.

    Book Review: Billions: How a Gang of Wall Street Renegades Invented the Index Fund and Changed Finance Forever by Robin Wigglesworth


    In Trillions: How a bunch of Wall Street renegades invented the index fund and changed finance forever, Robin Wigglesworth explores the emergence of the index fund as an unparalleled invention in recent financial history. Taking the reader on a road trip through the history of financial markets, this readable book will appeal to those who have studied economics and wish to connect familiar concepts, written Maria Zhivitskaya.

    Trillions: How a bunch of Wall Street renegades invented the index fund and changed finance forever. Robin Wigglesworth. Penguin business. 2020.

    Robin Wigglesworth, the FinancialTimesThe global financial correspondent for , which focuses on the biggest trends reshaping markets, argues in its latest book that the index fund is an invention unprecedented in recent financial history. trillion explains the history of financial innovation and index investing, told through the personal accounts of “Wall Street renegades” and those who made them possible. Index funds are unambiguously presented as a force for good, reducing the fees payable to financial professionals and thus bringing substantial tangible benefits to individual investors saving for retirement and other financial goals.

    The rise of index investing is a powerful trend in finance – Bloomberg estimates that passive management now comprises 43% ($10 trillion) of US-based mutual funds and exchange-traded funds (ETFs) United, up from 32% ($4.1 trillion) in 2015. Globally, more than $26 trillion—more than a year’s worth of economic output in America—is now held in such funds, which is “nearly twice the size of the private equity, venture capital and hedge fund industries combined.” The fundamental principle of index funds is to be “average”. The majority of active managers charge at least 1-2% per year while not beating the market in the medium term: “Stats vary, but […] only 10-20% of active funds outperformed their benchmarks over a rolling ten-year period” (8). In contrast, index funds charge as little as 0.03% to closely track a major stock index.

    trillion begins with a famous bet between Warren Buffett and Protégé Partners, a New York-based asset management and advisory firm. In 2007, Buffett bet $1 million that no investment professional could pick a portfolio of at least five hedge funds that would outperform a low-fee S&P 500 index fund over the next decade. Active managers with their high fees, Buffett explained, started out at a disadvantage and had to compensate for those fees. Buffett argued in his 2016 letter to investors that the efforts of active managers are “largely self-neutralizing and their IQ will not overcome the costs they charge end investors” (22). Buffett chose the low-cost Vanguard fund and won the bet a decade later, resulting in a charitable donation. Naturally, “Buffett maintains that being a professional investor is not an impossible task, but he doubts that many can succeed” (16). “The bet is symbolic of bigger changes in the industry,” says Wigglesworth.

    Photo by lo lo on Unsplash

    trillion takes the reader on a well-articulated road trip through the history of financial markets from their academic origins before moving on to indexing, mutual funds, ETFs and responsible investment products. It’s an easy read, told through vivid and relatable stories of the people involved.

    We begin our journey in France in 1900, with French mathematician Louis Bachelier’s random walk hypothesis based on his doctorate, and over time we get to know Harry Markowitz, William Sharpe, Eugene Fama, Fischer Black and Myron Scholes, John Clifton ‘Jack’ Bogle, and Larry Fink, all of whom contributed to the evolution of financial theory, paving the way for the rise and triumph of index funds. For those who have studied economics before, this book connects the dots between names you probably already know in a captivating way. There are many PhDs at the University of Chicago, with many colleagues in common and a shared desire to innovate at the intersection of industry practice and academia.

    The author seems to particularly like Vanguard and its founder, John Clifton ‘Jack’ Bogle. After an economics degree from Princeton University, Bogle launched his active investment career in Wellington, but was asked to quit twenty years later due to a failed merger. This led him to create Vanguard in 1975, today the second largest asset manager in the world. Wigglesworth thinks no one is more religious than a convert – once an active manager, Bogle changed his stance to become a strong believer in passive management and created the first index fund available to individual investors. As a mutual organization, Vanguard could operate at cost, returning any profit to its constituent funds, further reducing fees for its customers.

    Edward ‘Ned’ Johnson, the son of Fidelity’s founder who was responsible for his rise to one of the world’s greatest asset managers, observed: “I can’t believe the great mass of investors will settle for receiving average returns.” . The name of the game is to be the best” (114). However, Vanguard has reshaped the landscape by finding a niche as a low-cost, market-mimicking vendor in a high-cost industry.

    ETFs were the next big innovation in indexing, which the book explains in detail. ETFs hold several underlying assets, but they are exchange-traded just like stocks, so they tend to be more profitable and more liquid than mutual funds. Fink, CEO of Blackrock and a member of the “rarified classes of corporate executives referred to only by their first name” (234), compares the impact of ETFs with the way Amazon has transformed retail – with lower prices, convenience and transparency, as opposed to the complexity and opacity of the asset management industry.

    Wigglesworth celebrates this passive revolution, but doesn’t spend enough time on the potential pitfalls. Much of the book is drawn from various biographies and memoirs, so it could be accused of oversimplification, full of the success stories of brilliant Ivy League graduates. There must have been more missteps along the way than we know of, and it would have been helpful to read them.

    Another shortcoming is the book’s US-centric perspective, with European and Asian players barely mentioned. One exception was the call from Simon Pilcher, head of the Universities Superannuation Scheme (USS), one of the UK’s largest pension schemes, to redirect its activities away from traditional active equities, despite the good performance of their mandates, in favor of thematic quantitative actions. passive strategies and mandates (274).

    Wigglesworth launches the classic quote that “it is difficult to make predictions, especially about the future”, then sticks to it by refusing to extrapolate on past performance or discuss how index funds or the financial landscape in general could develop. The book presents a readable overview of financial markets through the lens of index investing and will appeal to those who have studied economics and want to relate familiar concepts. Perhaps Wigglesworth’s next book could include a review of more recent developments, including the expansion of environmental, social and governance investing as well as the rise of alternatives and private capital markets.

    Please read our comment policy before commenting..

    Note: This article gives the point of view of the author, and not the position of the USAPP – American Politics and Policy, nor of the London School of Economics.

    Shortened URL for this post: https://bit.ly/39muee5

    About the Examiner

    Dr. Maria Zhivitskaya obtained a PhD in Risk Management from LSE in 2015. She now works in the asset management industry and specializes in ESG. She also teaches master’s students at the Paris School of International Affairs and MBA students at Saïd Business School in Oxford.

    Shortage of US pilots forces airlines to cut flights and seek solutions

    Airline pilots walk through Ronald Reagan Washington National Airport on December 27, 2021 in Arlington, Virginia.

    Anna Moneymaker | Getty Images

    The United States is facing its worst pilot shortage in recent memory, forcing airlines to cut flights just as travelers return after more than two years of the Covid-19 pandemic.

    The crisis pushes the industry to seek solutions.

    At least one lawmaker is reportedly considering legislation that could raise the federally mandated retirement age for airline pilots from 65 to 67 or older to extend airmen’s time in the skies.

    A regional airline has offered to reduce flight hour requirements before joining a US carrier, and airlines are redesigning training programs to lower the barrier to entry. Earlier this year, Delta Air Lines joined other major carriers in removing a four-year degree from its pilot hiring requirements.

    Several American airlines, including Frontier, recruit Australian pilots. American Airlines sells bus tickets for certain short routes.

    But some airline executives warn the shortage could take years to resolve.

    “The pilot shortage for the industry is real, and most airlines simply won’t be able to meet their capacity plans because there simply aren’t enough pilots, at least not for the five next few years,” said Scott, CEO of United Airlines. Kirby said on a quarterly earnings call in April.

    Kirby estimated that the regional airlines United currently works with have around 150 planes grounded due to pilot shortages.

    The roots of the crisis

    The Covid pandemic halted the hiring of pilots as training and licensing slowed. Distributed airlines early retirement packages to thousands of pilots and other employees aimed to reduce labor bills when travel demand slumped at the height of the crisis.

    “I feel like I’ve gone to the top,” said a former captain of a major US airline who took early retirement in 2020.

    Now airlines are desperate to hire and train pilots, but the rush may take too long to avoid flight cuts.

    Major U.S. airlines are trying to hire more than 12,000 pilots combined this year alone, more than double the previous record for annual hiring, according to Kit Darby, pilot compensation consultant and retired United captain.

    The shortage is particularly acute among regional carriers that feed major airline hubs from smaller cities. Although hiring and retention bonuses have returned to these airlines, salaries there are lower than those of the majors, and they are recruiting aggressively from these smaller carriers.

    Phoenix-based Mesa Air Group, which flies for American and United, lost nearly $43 million last quarter as flight cuts increased.

    “We’ve never probed attrition levels like this,” Mesa CEO Jonathan Ornstein said. “If we don’t fly our planes, we lose money. You’ve seen our quarterly numbers.”

    It takes Mesa about 120 days to replace a pilot who gives two weeks’ notice to go to another airline, according to Ornstein.

    “We could use 200 pilots right now,” he said.

    Some carriers like Frontier and regional airline SkyWest are recruiting Australian pilots on a special visa to help make up the shortfall, but the numbers are low compared to their overall rankings and hiring targets.

    Regional carrier Republic Airways, which flies for American, Delta and United, asked the US government last month to allow pilots to fly for the airline with 750 hours, half of the 1,500 currently required, if they follow the carrier’s training program. There are already exemptions to the 1,500-hour rule, such as for US military-trained pilots and those in two- and four-year programs that include flight training.

    The proposal was rejected by family members of the victims of the Colgan Air 3407 crash in 2009, the last fatal accident for a US commercial airline. The tragedy killed all 49 people on board and one on the ground, and ushered in the so-called 1,500-hour rule, aimed at guaranteeing pilot experience.

    Senator Lindsey Graham, RS.C., is considering introducing congressional legislation that could raise the mandatory retirement age for airline pilots to at least 67 from the current age of 65, according to reports. people familiar with Graham’s plans. About a third of qualified airline pilots in the United States are between the ages of 51 and 59, and 13% of airline pilots nationwide will reach retirement age within five years, according to the Regional Airline Association.

    Graham’s office did not respond to requests for comment.

    Slowed growth

    Shortages of pilots and other workers have forced airlines to rethink their growth plans. JetBlue Airways and Alaska Airlines are among carriers that have recently cut capacity.

    SkyWest, for its part, told the Department for Transport it plans to cut service in 29 smaller towns that the government subsidizes through essential air service.

    The service cuts could isolate smaller US cities, but Darby, the pilot compensation consultant, said it could mean an opening for smaller competitors who aren’t as reliant on regional airlines as they are on larger network airlines.

    “If they don’t fly it, maybe a smaller airline will,” he said.

    One of the biggest barriers to hiring new pilots is the cost of tuition. While salaries for jumbo jet captains at major airlines can exceed $350,000 a year, it takes years to qualify.

    At the ATP Flight School, the largest in the country, it costs nearly $92,000 for a full-time, seven-month program to earn initial licenses. It can then take around 18 months or more for pilots to rack up enough flying hours, often training student pilots or sometimes flying banners near beaches.

    “It’s not a car wash,” Darby said. “You can’t just bring someone in from the street.”

    In December, United began teaching the first students at its own flight school, the United Aviate Academy, in Goodyear, Arizona, with the goal of training 5,000 pilots there by 2030. United says it aims that half of that number are women or people. of color. The company covers the cost of pilot training until they obtain their private pilot license, which it estimates at around $17,000 per student.

    Other carriers have turned to low-interest loans or other initiatives to ease the financial burden on students.

    “There’s no quick fix,” Darby said.

    Referee well-being essential to growth and development of tennis, says enthusiast


    Sylvester Uzoama, managing director of Circum Group, says the welfare of referees is essential to the growth and development of the game of tennis.

    Uzoama made the remarks while unveiling and presenting new kits to the Nigeria Tennis Umpires Association (NTUA) at the Moshood Abiola National Stadium on Saturday in Abuja.

    Donations of 200 sets of kits to NTUA were part of the company’s social responsibilities and were the result of a five-year agreement signed by the two parties in 2000, News Agency of Nigeria reports.

    The Circum Group boss said his company focused on referees mainly because he felt they were the missing link that needed improvement.

    “We started to organize international tournaments, but we realized that the referees did not meet, especially in their perspectives. So we felt this was a very important area to address.

    “We came up with this kit arrangement and it will last for five years. We are already approaching the end of the second year.

    “We intend to ensure that the standards are maintained, the uniforms are renewed periodically.

    “On top of that, we’re also providing some sort of stipend to make sure they can meet some of their maintenance needs for those tournaments as well,” he said.

    The tennis lover noted that the referee’s job is more like voluntary service, adding that it is therefore necessary to provide some support for their activities.

    “Nigeria is starting to host international tournaments especially here at the FCT and when a tournament is held it is not just about the players.

    “There has to be the right atmosphere, the right look. So, I felt it was necessary to make sure the referees also looked representative not just of the country or the tournaments, but even of themselves.

    “You look at other international tournaments, you see players wearing nice outfits in designer uniforms, so I felt it was necessary to ensure that Nigeria was not left out in this respect,” did he declare.

    He revealed that his company was eager to renew the contract and was also considering the possibility of extending it beyond the donation of T-shirts.

    “It is also important that their shoes and shoes are uniform. They still don’t have caps either and we know how sunny the weather can be sometimes.

    “So we are certainly looking to improve the package that will come next and we are also looking to strengthen their monetary package as well.

    “It’s an ongoing program and I hope we can certainly influence them better,” he said.

    He urged other private organizations and legal persons to come forward and embark on one or two small projects, to ensure the growth and development of the sport in the country.

    “When we do small things big, it starts to feel like we are doing extraordinary things.

    “It doesn’t have to be tennis, it can be boxing, archery or any other sport, but when we have a certain level of participation and support it certainly helps to make sports better. in general in the country,” he said.

    Kehinde Ijaola, the national president of NTUA, appreciated the sponsor for the donations, adding that the gesture meant a lot to the association.

    Ijaola, who was represented by Segun Adepoju, the National Vice President, explained that the five-year deal also comes with other enticing incentives, along with a token fee of ₦100,000 on an annual basis.

    “So far, Circum Group has lived up to its end of the bargain because it paid us the annual token.

    “We also received delivery of the first batch of kits, just two months after signing the agreement two years ago, and now we are receiving another delivery of the second batch,” he said.

    Adepoju said the gesture had gone a long way in helping referees perform better and, therefore, in giving international recognition to several of its members who had been invited to participate in high-level tournaments around the world.

    “As we speak, our president is in France and will be part of the officials at the French Open next week, which is a Grand Slam event.

    “In addition, approximately three other referees have been assigned to travel to London next month to compete in the Wimbledon Open.

    “Indeed, if we could be recognized and invited to participate in Grand Slam tournaments, ATP Challengers as well as other WTA tournaments, it shows that we are doing very well as a group”, a- he declared.


    ELECTION 2022Miller County Justice of the Peace, District 7


    Editor’s Note: The following are unedited responses from Justice of the Peace for Miller County, District 7, Candidates Roy Pitt and James Syler. Each candidate was entitled to a total of 500 words to be distributed as he saw fit among his answers to the same five questions. The primary election is May 24.

    What makes you a good candidate for Miller County District 7 JP?

    Roy Pitt: Texar-kana resident and taxpayer since 1979 and District 7 resident since 2004. Retired master electrician, electrical supervisor for Electrique Corp. 35, United States Marine ’67 – ’73, and Trap Team Coach for Texarkana School District/AYSSP since ’13.


    James Syler: My experience, education, and community service combine to show that I am best qualified to represent the residents of District 7. I hold a BA in Public Administration from Henderson State University and a Ph.D. in law from the University of Arkansas. Law School. For the past 19 years, I have advocated for the citizens of the State of Arkansas as a specialty attorney with the Office of Child Support Enforcement. I made public service the center of my career, not money. I hold a license to practice law in both state and federal court in Arkansas. As I believe that community service is essential to leadership, I am the new president of the Kiwanis Club of Texarkana, member of the board of directors of HandsOn Texarkana and treasurer of the board of directors of Texarkana Resources for the Disabled.

    What are your top priorities if elected?

    Pitt: To represent all residents/taxpayers of District 7 equally, regardless of party affiliation.


    Syler: If elected, my first priority will be the safety and security of the citizens of Miller County, because everyone has the right to feel safe in their own home and community. My second priority is to protect the hard-earned taxpayer dollars that flow into the county. I have to respect my budget, the county too. And my third priority is to focus on economic development. The only way to increase our tax base is to bring new jobs and new industries to our region.

    How do you plan to connect with the District 7 community?

    Pitt: I intend to challenge the residents of District 7 on any matters that may come before the Court of Quorum. Their opinion is worth as much as mine.


    Syler: I want to be available to the citizens of my neighborhood. The concept of transparency in government is something that should be more than words. My plan includes posting meeting information and proposals on Facebook, which will keep citizens informed. Citizens deserve the ability to easily see what the county is doing. Also, my email will be available for anyone to contact me at any time.

    What Quorum Court committees do you hope to serve on?

    Pitt: Departmental infrastructure and maintenance of existing buildings.


    Syler: Given my background and education, I believe I could better serve the citizens of my district on the Budget and Finance Committee, the Ordinances and Grants Review Committee, the Personnel Committee, or of the Corrections Committee.

    How do you hope to improve District 7 during your two-year term if elected?

    Pitt: Dist. 7 is 80% farm and ranch. I hope to help these activities where possible. Our owners and residents also have needs, I plan to represent those needs when asked to do so.


    Syler: If elected, my primary goal for my district is to improve the safety and security of our region. Unfortunately, the increase in drug abuse in our area has also led to an increase in crime. I would also like to focus on bringing new jobs and industry to our region. We are unique in having easy access to both Interstate 30 and Interstate 49, it’s time to put that advantage to good use.

    Former college admissions program accountant sentenced | USAO-MA


    BOSTON – A former accountant with Edge College & Career Network (also known as The Key) and the Key Worldwide Foundation was convicted today in federal court in Boston for his role in the college admissions case. ‘university.

    Steven Masera, 72, of Folsom, Calif., was sentenced by U.S. District Court Judge Indira Talwani to time served, three years on probation and was ordered to pay a $20,000 fine. In June 2019, Masera pleaded guilty to conspiracy to commit racketeering.

    Beginning in or around 2008, Masera began working as an accountant for William “Rick” Singer. From then until his resignation in or around December 2017, Masera was responsible for handling payments to and from Singer’s for-profit college consulting firm, The Key, and the fake charitable foundation, The Key Worldwide Foundation (KWF). This included parent payments made as part of the athletic recruiting and test-cheating aspects of Singer’s program, as well as back-end payments associated with college insiders and other facilitators. Under Singer’s direction, Masera billed parents for Singer’s illegitimate services, paid bribes to college coaches and administrators of athletic departments (and college athletic funds under their control), and SAT administrators and proctors. / ACT, and created letters of fraudulent donation receipts and fake invoices to allow parents to deduct their payments as alleged gifts or business expenses.

    Case information, including the status of each defendant, is available here: https://www.justice.gov/usao-ma/investigations-college-admissions-and-testing-bribery-scheme.

    United States Attorney Rachael S. Rollins; Joseph R. Bonavolonta, special agent in charge of the Federal Bureau of Investigation, Boston Division; Joleen D. Simpson, special agent in charge of criminal investigations for the Internal Revenue Service in Boston; and Terry Harris, Special Agent in Charge of the U.S. Department of Education’s Office of Inspector General Eastern Regional Office, made the announcement today. Assistant U.S. Attorneys Stephen E. Frank, Kristen A. Kearney, Ian J. Stearns and Leslie Wright of Rollins’ Securities, Finance and Cyber ​​Fraud Unit prosecuted the case.

    BURGERFI INTERNATIONAL, INC. : Changes to Chartered Accountant, Financial Statements and Supporting Documents (Form 8-K)


    Section 4.01. Change of certifying accountant of the declarant.

    (a) Resignation of Independent Certified Public Accountants.

    On April 15, 2022the audit committee of the board of directors (“audit committee”) of BurgerFi International, Inc. (the “Company”) has initiated a competitive process to determine the independent registered public accounting firm of the Company for the fiscal year ending December 31, 2022 and distributed a request for proposals (“RFP”) to several qualified accounting firms, including
    BDO USA, LLP (“BDO”), the Company’s independent registered public accounting firm at the time.

    On May 6, 2022BDO has advised the Company (the “BDO Notice”) that the client-auditor relationship between the Company and BDO will cease upon BDO’s review of the unaudited condensed quarterly consolidated financial statements for inclusion in the Company’s Form 10-Q. for the period ended March 31, 2022 and procedures related to BDO’s consent for the inclusion of its auditor’s report in the company’s franchise disclosure filings with various state regulators on or about May 20, 2022. The Company has deemed the BDO Notice to constitute a resignation of BDO as a registered independent public accounting firm of the Company as of the periods indicated in the BDO Notice.

    BDO’s reports on the Company’s consolidated financial statements for the years ended December 31, 2021 and 2020 did not contain an adverse opinion or disclaimer of opinion, and have not been qualified or modified as to uncertainty, scope of the audit or accounting principles.

    During the fiscal years ended December 31, 2021 and 2020, and up to the date of BDO’s resignation, there has been (i) no “disagreement” (as that term is defined in Section 304(a)(1)(iv) of the Regulations SK and related instructions) between the Company and BDO on any matter relating to accounting principles or practices, financial statement disclosure or the scope or procedure of an audit which, if unresolved to BDO’s satisfaction, would have caused BDO to refer to the subject matter of the disagreement in connection with its reports on the Company’s consolidated financial statements for those years and (ii) no “reportable event” as that term is defined in Section 304(a)(1)(v) of Regulation SK, except for material weaknesses in the Company’s internal control over reporting previously disclosed in Part II, Item 9A “Controls and Procedures” in the company’s annual report on Form 10-K for the fiscal year ended
    December 31, 2021. The material weaknesses were:

    2021. A material weakness related to the design and implementation of controls over the accounting for income taxes. Specifically, management did not maintain control over the Company’s assessment of its ability to realize historical deferred tax assets on its acquired businesses pursuant to Section 382 of the Internal Revenue Code and the controls The Company’s tax provisions have not been designed to detect certain errors and omissions in calculating the impact of certain transactions on the income tax provision during the period. This material weakness resulted in the identification of errors which have been corrected in the consolidated financial statements included in the Company’s Annual Report on Form 10-K for the year ended December 31, 2021.

    2020. A number of material weaknesses in our internal control over financial reporting, as follows:

         •    lack of controls over the financial closing and reporting process
              relating to a sufficient segregation of duties in the preparation of our
              financial statements and related notes, and, for period (the "Successor
              Period") from December 16, 2020 until December 31, 2020, the valuation
              and recognition of stock-based compensation and warrant liabilities;
         •    lack of resources to perform and review the application of accounting
              standards for revenue, leases, and variable interest entities ("VIEs");
         •    specifically with respect to VIEs, our internal control over financial
              reporting failed to detect errors related to consolidating variable
              interest entities for which we are the primary beneficiary;
         •    lack of effective controls over the accounting for deferred rent and
              accounting for initial franchise fees and brand development revenue in
              connection with the adoption of our new revenue recognition standard; and
         •    lack of controls during the Successor Period related to the valuation of
              contingent consideration issued in the business combination with BurgerFi
              International, LLC.

    ————————————————– ——————————

    Significant weaknesses have been discussed with the audit committee. The Company has authorized BDO to respond fully to requests for KPMG srl (“KPMG”), the Company’s successor accountant as described below, regarding material weaknesses.

    The Company has provided BDO with a copy of this Form 8-K and has requested that BDO provide the Company with a letter addressed to the Security and Exchange Commission indicating whether or not BDO agrees with the above information. A copy of BDO’s letter, dated May 12, 2022is attached as Exhibit 16.1 to this Form 8-K.

    (b) Engagement of New Independent Chartered Accountants.

    Following the bidding process described above, the May 10, 2022the audit committee has engaged KPMG as the registered independent public accounting firm of the Company for the year ending December 31, 2022effective once BDO has completed the procedures described above.

    Over the past two financial years and up to the date of commitment, the Company has not consulted KPMG concerning either:

    (i) The application of accounting principles to any transaction specified, performed or proposed, or the type of audit opinion which might be given on the financial statements of the Company, and neither a written report has been provided to the Company or oral notice has been provided to that effect KPMG concluded was an important factor considered by the Company in making a decision on the accounting, auditing, or financial reporting matter; or

    (ii) Any matter that has been the subject of a “disagreement”, as defined in Rule 304(a)(1)(iv) of the SK Regulations and related instructions in Rule 304 SK, or a “Reportable Event”, as that term is explained in Rule 304(a)(1)(v) SK.

    Item 9.01 Financial statements and supporting documents.

    (d)  Exhibits
    Number       Description
    16.1           Letter from BDO, dated May 12, 2022
    104          Cover Page Interactive Data File (embedded within the Inline XBRL

    ————————————————– ——————————

    © Edgar Online, source Previews

    Bitcoin remains oversold according to enthusiasts’ plan B

    • Bitcoin (BTC) has never been at $30,000 with such an amazing RSI
    • Prestigious Bitcoin (BTC) scientist and reviewer PlanB is sure that Bitcoin (BTC) is currently oversold
    • Creator of BTC valuation stock-flow model expects price to touch $1,000,000

    Bitcoin (BTC) has never been at $30,000 with such an amazing RSI: PlanB. Mr. PlanB shared on Twitter The inspiration for his hopium gives no indication of losing momentum as the digital currency market slaughter ends.

    It’s time for the hopium. We have been in the 30k-60k territory for 1.5 years. However, whenever we were at 30,000 for the first time (Dec 2020), BTC was overbought (Weekly RSI ~90). The BTC market was even-handed (RSI ~50) for the second time in 30k (July 2021). Currently, the dreaded pinnacle on 30k BTC is oversold in March 2020 (RSI 34).

    He saw that Bitcoin (BTC), the leading digital currency, remained in the $30,000-$60,000 range for over a year and a half. Either way, Bitcoin (BTC) reached the $30,000 territory with shifting opinions from brokers.

    BTC RSI looks special

    According to the Relative Strength Index or RSI – a deep-rooted specialized review pointer that shows strength at a specific cost and whether it is oversold or overbought – bitcoin hit the $30,000 level in December 2020. broke what was circled. energetic energy.

    In July 2021, Bitcoin (BTC) contacted this level with an unbiased RSI, while these days it is in the oversold zone. PlanB focused on the fact that a while ago, the black march was the last time bitcoin (BTC) sold off so much.

    Bitcoin (BTC) and all major altcoins are in the red zone today. The auction was fueled in large measure by the US expansion report. Bitcoin (BTC) momentarily slipped below $30,000, while the net crypto market capitalization is below $1.38 trillion. A year prior, on May 10, 2022, this metric hit an all-time high of $2.97 trillion.

    Crypto Plunges

    Either way, the Crypto Fear and Greed Index figured out how to add a point and reach level 12/100, but neglected to escape the intense fear zone.

    It’s been a precarious week for Bitcoin. The price of Bitcoin fell below $30,000 on Wednesday, down almost 8% past 24 hours. The last time Bitcoin approached the $29,000 mark was in December 2020, as indicated by NextAdvisor’s cost tracking information.

    Also read: Google Cloud rolls out latest unit to support Web3 developers

    After falling 10% on Monday and momentarily dipping below $30,000, Bitcoin bounced back above $31,000 on Tuesday. In any case, the crypto major has largely traded red since May 5, the day after the Federal Reserve declared it would fight expansion without bigger rate hikes.

    A few variables — like growing expansion, international emergencies, and the changing US approach to finance — continue to generate additional transitory instability for crypto and securities exchanges. The crypto market has been gradually following the stock exchange lately, making it much more intertwined with global monetary variables.

    Latest posts by Andrew Smith (see everything)

    Bruntwork partners with Magical Katrina to develop a bespoke online fatigue solution


    LOS ANGELES, CA/ACCESSWIRE/May 12, 2022/ For many people, the work-from-home rules may be over, but for Bruntwork, an international web development company, much of their work continues on Zoom. Bruntwork was looking for an innovative solution to back-to-back online meeting fatigue and found one in online entertainment specialist Magical Katrina, run by Katrina Kroetch.

    Bruntwork, Thursday 12 May 2022, Image from press release

    Bruntwork COO Adam Pisk said Katrina was one of the first people to recognize the importance of bringing fun into Zoom meetings and he hired her to create a specific solution for his team.

    We noticed that as the Covid restrictions receded, our staff productivity was still down,said Pisk.We realized that many employees were feeling burnt out, so we hired Katrina to help bring our Zoom calls back to life. She has a range of experience working with Fortune 500 companies to keep staff motivated and we wanted to use her skills and produce a bespoke solution for us.

    Magical Katrina, Katrina Kroetch, is an award-winning magician who has been performing around the world for over a decade, but hers was one of the professions that was hit by Covid overnight. When the pandemic hit in March 2020, Katrina had all of her live shows cancelled.

    “I lost six months of income in one week”, Katrina said. “Like many people around the world, I had to act fast and pivot in uncertain times.”

    Katrina has found that her unique blend of whimsical and comedic magic has established her as a pioneer in virtual event space, and she’s proud to be able to help staff overcome Zoom fatigue.

    I understand the problem, women are particularly affected when it comes to line fatigue and they have enough challenges when it comes to labor,Katrina said.They often have lower salaries, bear the burden of care when it comes to children, and then this Stanford study showed that women have longer Zoom meetings and take shorter breaks from each other than men. This leads to a much higher instance of zoom fatigue.

    Katrina is one of the best magicians in the world and is best known for her performances on the TV show Masters of Illusion and his appearance on the hit TV show, Penn and Teller: Fool Us where she managed to trick half of the duo.

    Helping Bruntwork to motivate its staff

    For Bruntwork, Katrina began to develop a bespoke approach to ensuring regular international catch-ups were effective, motivating, but also fun.

    Katrina mixes her magic shows with online team building workshops and unique corporate experiences.

    She’s performed for thousands of holiday parties, client meetings, conventions, trade shows and hackathons. Every once in a while, Katrina also adds a bit of excitement and surprise to many dull and boring Zoom meetings.

    Because of all the success she had as a virtual magician, she decided to pay it forward by teaching other magicians how to put on virtual performances. She has lectured for the International Brotherhood of Magicians, the Society of American Magicians, and the world’s largest online magic retailer, Penguin Magic. Katrina has also volunteered and advocated for Magicians Without Borders and the non-profit organization Emergency Circus, donating her time and performances to help and inspire those in need.

    With over 38,000 subscribers on instagram, there is no doubt that she is an audience favorite because of her interactive virtual magic shows and captivating live performances. It’s a no-brainer for businesses and organizations to invite Magical Katrina for their next online meeting. Watch her make everyone’s Zoom fatigue disappear in an instant.

    About Bruntwork

    Bruntwork is an outsourcing company with expertise in building cost effective, efficient and scalable operations teams for businesses wishing to grow quickly and efficiently. Since 2010, Bruntwork has built its team to over 1000 teams of deployment specialists across most operational functions including; Data and analytics, digital marketing, digital content production and website and app design, telesales for inbound and outbound campaigns, and multi-channel customer support.


    Adam Pisk
    Email: [email protected]
    Phone: (877) 319 3837

    THE SOURCE: bruntwork ltd.

    See the source version on accesswire.com:

    An accountant will stand as a Reform Jersey candidate


    An accountant and lecturer at the Open University has announced she will stand for election in the constituencies of St Mary, St Ouen and St Peter.

    Helen Evans, who will run for Reform Jersey, believes her skills would be particularly useful in managing public funds and the economy.

    She grew up in Jersey, attended Beaulieu School and is a qualified accountant.

    She said: “In recent years we have seen society become more unequal with a decline in social mobility. As we emerge from the Covid disruption, we have an opportunity to build a better society for the future – a more cohesive society in which people can thrive.

    “We must move away from decision-making based on short-term opportunity and work together to create a fairer and more sustainable society.

    “We must recognize the value of work that contributes to the common good and ensure that people are fairly compensated for their work. We need to adapt our public services to the 21st century, to regain citizens’ trust in public services where it has been lost.

    “If elected, I would be uniquely placed, based on my experience in accounting and auditing in the UK and European public sector, to play a role in ensuring that public money and the economy are well managed. , efficiency and effectiveness of public expenditure.’

    Reform Jersey party leader Sam Mézec said: “I am delighted that Helen is standing for election. As a party, Reform Jersey is committed to ensuring that we make the best use of taxpayers’ money and reduce unnecessary spending. Helen’s professional background and skills are ideal and I was very impressed with her ideas on how to improve public finance management.

    Enthusiastic camaraderie puts Watertown women’s tennis at the top of NVL


    WATERTOWN — Emalyn Osborne thinks the Watertown women’s tennis team could get under the skin of their Naugatuck Valley League counterparts. But the senior doubles player and No.2 thinks it’s not necessarily because the Warriors have won all of their league games.
    “I think the other schools really think we’re a little obnoxious because our team always cheers each other on,” Osborne said Tuesday before a game against Nonnewaug. “It’s part of the fact that we’re such good friends off the pitch too. We support each other so much.
    This camaraderie on and off the field is a big reason the Warriors are able to defend their NVL crown. Watertown is 11-0 in the league and 11-1 overall with its first loss to Nonnewaug, 4-3, on Tuesday at Crestbrook Park. Holy Cross (10-1, 10-0) is just behind Watertown with Wolcott (10-3, 10-1) in pursuit.
    Watertown coach Mark Zaborowski scheduled the game against a tough Nonnewaug side knowing it could end in defeat but should pay off in the long run, especially after Watertown lost half of their last year’s starters at graduation.
    No. 1 singles player Ally Stoto, who won the title-deciding match in the NVL Finals at the No. 1 doubles last season, said it was an adjustment to the No. 1 singles role. Even when she loses, like she did on Tuesday, she finds ways to support the team.
    “It’s mostly about encouraging them,” Stoto said. “When people cheer me on and I hit an ace serve, they’re like, ‘Yeah, go Ally.’ It helps a lot to know that I have a team behind me and even if I lose they are still proud of the way I played.
    The Warriors will face their toughest time the rest of the week. After a match with Wilby today, Watertown have back-to-back matches against Wolcott followed by a showdown with Holy Cross, which has yet to be scheduled. Watertown will be without Maggie Dessatti, half of their unbeaten No. 1 doubles team in doubles with Meghan Hughes. Dessatti is out for the week with a neck injury. Hughes and Charlotte Manalo lost to Nonnewaug’s unbeaten No. 1 doubles team of Sofia Pagnamenta and Marley Baker, 8-3.
    Dessatti is confident that Manolo will slip right into the top spot in doubles.
    “(Manolo) and I have really similar styles of play, so I don’t think it will be a problem for Meghan and her to communicate well and play well together,” Dessatti said. “It stinks a bit that this is our most competitive week of the season, but I think Meghan and Charlotte will pull it off anyway.”

    SIU’s state-of-the-art lab helps healthcare management students kick-start their careers


    Jessica Cataldo, Assistant Professor of Healthcare Management, teaches students in the state-of-the-art Experiential Learning Lab for Computer Science Education (ELLIE), where they receive hands-on training with specialized software to improve their technical skills and prepare them for internships and jobs. (Photo by Russell Bailey)

    May 10, 2022

    SIU’s state-of-the-art lab helps healthcare management students kick-start their careers

    by Christi Mathis

    CARBONDALE, Ill. — Thanks to a specialized lab and training offered at Southern Illinois University Carbondale, healthcare management graduates have an edge over many of their peers when entering the workforce, officials say. and graduates. The system allows students to review patient medical records, analyze charts and risk factors for better patient outcomes, process billing data to facilitate revenue cycle improvements, review insurance claims data to verify accuracy and integrity, create disease outbreak models and more.

    “The Experiential Learning Lab for Computer Science Education, called ELLIE, is a dynamic, state-of-the-art computer lab environment for training healthcare personnel, both clinical and managerial,” said Jessica Cataldo, assistant professor of health care management.

    The state-of-the-art lab, located in Room 60 of the ASA Building, west of the Banterra Center, includes 40 computers with specialized software to improve students’ technical skills in healthcare management.

    “Given the need for workforce preparation in healthcare analytics and informatics, making these learning opportunities possible for our students gives them a distinct advantage,” Cataldo said. “This training really improves the job readiness of our students. Employers tell us they need less training than other interns and new hires. And the training they received at SIU also translates into the ability to use other healthcare management and informatics programs.

    The training prepares students well for a growing field. The US Bureau of Labor Statistics predicts a 32% job growth rate for healthcare management in the decade ending in 2030.

    Well equipped and scalable

    Through ELLIE, students in the SIU healthcare program have access to some of the most advanced technologies in the country, including EPIC, one of the leading electronic healthcare platforms, according to Cataldo and instructor Kyle Triplett. healthcare management clinic. Triplett said it’s very rare for a university to be able to offer in-house training with an electronic health records (EHR) program such as EPIC.

    The program allows students to conduct a thorough review of fees and codes to ensure everything is correct so healthcare facilities can be properly paid. The process involves encrypted emails, many hours of training and more, starting with a set benchmark.

    Students use the software to review patient records, study risk factors, outcomes, and other facets to ensure the most favorable outcomes for treatment. Additionally, they learn how to navigate electronic health records, which Cataldo says can be tricky because sometimes providers enter notes in a structured and sometimes haphazard manner.

    Students are also using the high-tech programs to create outbreak models, which have become even more relevant with the COVID-19 pandemic, according to Cataldo. They typically use simulation software to examine an influenza outbreak, track the number and location of cases, vaccinations, interactions, and more. Cataldo said that over the past two years, those lessons have really come alive for students as they have seen the dramatic effects a disease or pandemic can have.

    Despite the necessary adjustments over the past two years due to the pandemic, the scope of the ELLIE Lab has already expanded and proven instrumental in student success, officials said.

    “There’s so much potential here,” Cataldo said.

    The lab was remodeled and updated with the latest technology shortly before the onset of the COVID-19 pandemic, with Southern Illinois Healthcare providing invaluable assistance to the initiative by sharing time, training space and Staff. SIH provides training opportunities to enable SIU healthcare management faculty and students to also access its EPIC training modules and experts.

    Many healthcare management courses are meeting in the same classroom, and faculty are gradually introducing the use of ELLIE technology, a process the pandemic has slowed somewhat. Triplett incorporated it into his healthcare finance course, and last semester Cataldo incorporated it into his epidemiology/record review course.

    Prepared for internships and careers

    The training that healthcare management students receive in the ELLIE lab helps prepare them for the required 150-hour internships and their careers.

    “It gives students valuable, critical experience with important programs and skills that they can put on their resume,” Cataldo said.

    Triplett said he’s heard several stories about how well the Salukis are doing.

    “The preceptors who supervise our interns tell us that our students have much shorter learning curves and a broader scope of understanding when it comes to healthcare management technology in general,” Kyle said. “That’s a big advantage because it translates directly into their ability to use skills that are used daily in the field of healthcare management. It’s the hands-on learning that counts.

    Ricky Waldron, a senior healthcare management executive from Herrin, Ill., trained at ELLIE during her Health Information Management course and said, “Gaining experience with electronic health records is essential in today’s healthcare world. Learning about workflows in non-clinical areas, such as billing or running quality reports, can also help you prepare for your internship. »

    He said working with the state-of-the-art system allowed him to apply classroom instruction to real-life situations.

    “ELLIE does a great job of helping students gain an excellent basic knowledge of how the health care system works and how to use the workflow skills you’ll need for a career in health information. or computing,” Waldron said.

    He is putting his training to good use this spring by doing an internship in the clinical informatics department of the SIH. Additionally, well before graduating next month, he had already accepted a position as an IT specialist with a company that operates several health care clinics of various types in the Charlotte, North Carolina, metropolitan area. Waldron said it was definitely beneficial during his interview to be able to share details about his classroom experience and hands-on learning and how he was able to use that knowledge on various projects during his internship.

    creative learning

    The Faculty of Healthcare Management at SIU also uses other creative teaching techniques. On a recent spring day, the classroom moved outside and the students divided into groups for a learning exercise.

    The objective was to simulate a process improvement project. Each group of students had to pass a bullet back and forth as quickly as possible but in the same order, much like they would process a task when working in the field of healthcare management. Sometimes they were lined up in a circle, sometimes in lines, but always they had to maintain the same order regardless of position and complete the task without dropping the ball. Students had to talk, strategize and plan as they would if they were dealing with a patient care file.

    The groups competed to see which could come up with a strategy faster to complete the task in the easiest, fastest and most efficient way – just as they would manage a healthcare situation for the good of the patient and the patient. establishment, Cataldo said.


    Students in one of Jessica Cataldo’s healthcare management courses recently participated in a creative learning experience simulating a process improvement project. The goal was to pass a ball back and forth as quickly as possible in a specified order, as they would for a task in healthcare management, and to find ways to improve efficiency of the process by communicating. (Photo by Russell Bailey)

    Sageview Advisory Group Continues to Build Its Capabilities with the Addition of Public Sector and Government Pensions Expert Javier Obando

    25-Year Industry Veteran Bolsters SageView’s 457 Plans Expertise as Growing RIA Continues to Expand its Wealth Management and Retirement Advisory Business

    NEWPORT BEACH, Calif., May 10, 2022 /PRNewswire/ — SageView Advisory Group (“SageView”), one of the nation’s leading independent AIR companies, today announced the company’s continued expansion of capabilities with the addition of Javier Obando as a pension plan advisor in his Newport Beach, California Office.

    An expert in government and public sector pensions with 25 years of experience working with some of the largest and most respected pension advisory providers in this segment, the hiring of Mr. Obando positions SageView to continued growth and leadership in the national pension space.

    In his new role, Mr. Obando is responsible for providing pension and trust services, plan-level advice, investment research, education and client relationship management. He will also work closely with the wealth management firm to support plan participants who wish to elevate their level of financial well-being towards comprehensive wealth management services.

    SageView positioned for growth in $4.5 trillion Public sector pension market

    Randy Longfounder and CEO of SageView, said, “We are thrilled to be joining Javier Obando, an industry veteran with exceptional expertise and strategic relationships in the public sector retirement space. This $4.5 trillion the market will continue to see significant changes as aging workers move into retirement. Plan members need and deserve support that focuses on their long-term financial well-being, with many individual plan members requiring more advanced financial planning solutions in greater numbers. »

    Mr. Long continued, “Leveraging Javier’s 25 years of pension industry experience in government and the public sector will allow SageView to better serve this unique market segment while growing our advisory business.” pension and wealth management plans.

    Mr. Obando was previously vice president of sales for Prudential Financial, focusing on tax-exempt and government markets. He also served as Vice President, Government Market Sales-West Coast for Lincoln Financial Group; Associate Regional Sales Manager at Great-West Retirement Services; and Director of Client Relations at Empower Retirement. Mr. Obando is a member of the National Association of Government Defined Contribution Administrators Inc. (NAGDCA) and the California Society of Municipal Finance Officers (CSMFO).

    Mr. Obando said, “SageView operates at the intersection of retirement and wealth management, providing a unique platform to deliver exceptional results for government and public sector plan participants. I’m excited to join this team and get to work.

    Mr. Obando holds a bachelor’s degree from California State Polytechnic University in Pomona. He is registered with FINRA series 6 and 63 and holds life and health insurance licenses in California, Oregon, Washington, Idaho, Montana and Alaska.

    About the SageView Advisory Group
    SageView Advisory Group is an SEC-registered investment advisory firm (RIA) serving retirement plan sponsors and individuals across United States since 1989. SageView has provided advice on 401(k), 403(b), 457, defined benefit and deferred compensation plans, and provides comprehensive wealth management services to individuals and families. SageView is headquartered in Newport Beach, Californiaand has more than 30 offices nationwide.

    SageView Advisory Group, LLC is a registered investment adviser. Advisory Services are offered only to clients or prospective clients for whom SageView Advisory Group, LLC and its representatives are duly licensed or exempt from licensing. Past performance is not indicative of future results. No advice can be provided by SageView Advisory Group, LLC unless a customer service agreement is in place.

    For more information on SageView, visit www.sageviewadvisory.com or call (800) 814-8742.

    Contact: Julie Katsnelson
    800.814.8742 |[email protected]


    Show original content:https://www.prnewswire.com/news-releases/sageview-advisory-group-continues-buildout-of-capabilities-with-addition-of-government-and-public-sector-retirement-plan-expert-javier- obando-301542880.html

    SOURCE SageView Advisory Group

    7 Ways to Improve Your Work-Life Balance as a Business Owner and Accountant


    By Chris Hayden.

    As an accountant and practice owner, you help clients create more balance in their lives. But are you doing the same for yourself?

    During peak season, it is not uncommon for the average accountant to work 55-58 hours per week, with partners working 85 or even more hours per week. If you fall into this category, it might be time to reevaluate what it means to create more balance in your life.

    So how do you improve your work-life balance? Here are seven tips. 7 Ways to Create Balance in Your Life as an Accountant and Business Owner

    1. Define what balance means to you

    What does a balanced life look like to you? If you could design the ideal life for yourself, what would it look like?

    So many business owners are stuck in this cycle of always wanting more – more money, more growth, more opportunity. But is this really what you want to? Maybe the answer is yes, and maybe the answer is no. To create balance, you need to figure out how much you really need to be happy and how you want to spend your time. Ask yourself:

    • How do you want to spend your time?
    • How much money do you want to earn?
    • How many hours do you really want to work?
    • What do you want to focus your time on?

    Answering these questions will help you figure out where you want to be and what will make you happy. From there, you can create a plan to help you achieve your ideals.

    2. Identify the “obstacles” to your balance

    What is holding you back from creating more balance in your life? These “barriers” to balance are often self-limiting beliefs – reasons why we believe we cannot pursue our work-life balance goals.

    What are your obstacles to balance?

    • Are you afraid of change?
    • Are you looking for growth because that’s what “you’re supposed to do”?
    • Are you living your life in accordance with the expectations of others or society?

    To identify obstacles to your balance, you must be honest with yourself. Once you understand what is holding you back from creating balance, you can take steps to eliminate those barriers.

    3. Make balance part of your company culture

    If you want to create more balance in your life, make balance a part of your company culture. When it becomes a priority for everyone in your business, it’s much easier to make it a priority for yourself. After all, it’s your job as a business owner to set an example for your staff.

    A better work-life balance means a happier and more productive team. But how do you integrate balance into your culture? We do a lot of things in our company to make sure this is part of the culture, a few of which in