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Bad Credit Plastic Surgery Loan

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Bad Credit Plastic Surgery Loan

America’s huge on plastic surgery. In 2018, Americans spent $16.5 billion on nips and tucks. While some operations are covered by insurance, most are not.

Many cosmetic surgery patients need consolidationnow.com financial help due to treatment costs ranging from $3,000 to $8,000 or more. You may get cosmetic surgery loans for poor credit from the lending businesses described below.

Loans For Cosmetic Surgery

These four loan matching services can help you get a cosmetic surgery loan even with adverse credit. Each uses a network of lenders that accepts people with bad credit.

All provide one-stop shopping and don’t charge you to connect with a lender. Eligible customers must be 18 years old and have a bank account, the right home, work phone numbers, and an email address.

1. CashUSA

CashUSA.com’s network of lenders can provide poor credit loans from $500 to $10,000. You may pay back loans over three to 72 months.

A monthly post-tax income of $1,000 or more qualifies. If you are eligible, a lender will contact you with financing terms. You may utilize the loan money for any purpose, including cosmetic surgery.

2. CreditLoan.com

The CreditLoan network provides personal loans up to $5,000 with 72-month payback terms. They will detail the loan amount, interest rate, and other conditions.

Your monthly income must be at least $1,000. The funds are placed into your bank account the following business day. Since 1998, CreditLoan has helped over 750,000 people get loans.

3. BadCreditLoans

It has been pairing subprime lenders and borrowers since 1998. Its network of lenders will provide personal loans up to $5,000 with 60-month payback terms.

The lender will disclose the interest rate, monthly payment amount, and repayment duration if authorized.

4. PersonalLoans

In addition, PersonalLoans.com may arrange a poor credit loan of up to $35,000. To qualify, you must earn at least $2,000 per month.

PersonalLoans.com is the only network lender in all 50 states. The medical loan revenues may be deposited into your bank account as soon as the following business day.

Plastic Surgery Loans For Bad Credit

Unless you need reconstructive surgery due to an accident or sickness, your health insurance typically won’t cover elective cosmetic surgery. Besides the personal loan providers mentioned above, you may finance your cosmetic surgery with:

  • Like CareCredit and Alphaeon, medical credit cards may provide deferred interest on medical or dental bills for a predetermined time. You’ll be charged the accumulated interest if you don’t wholly return the debt within the specified time.

Many doctors, including plastic surgeons, accept these cards. But be aware that your caregiver may be signing you up to get a commission from the card issuer.

  • Regular credit cards may be an excellent option if they provide a 0% APR introductory term and a signup bonus. Those with poor credit may not be able to get a card with these features.

Also, paying for cosmetic surgery may exceed your card’s credit limit, increasing your credit use rate and lowering your credit score.

  • House equity loan or line of credit: If you own a home and have equity, this is an option. The interest is tax-deductible, and the rates are reasonable. However, if you fail on your loan, your house will be foreclosed.
  • Bad credit bank loans are tough to acquire. A secured loan from your bank or credit union may help.
  • Your surgeon may agree to fund your operation provided you supply a cosigner. Some surgeons offer interest-free payment arrangements, while others do not. Verify the interest rate and needed installments. Non-payment may significantly damage your credit.
  • 401(k) loan: Your company may enable you to borrow from your 401(k) tax-free. The loan must be repaid within five years, or it will be categorized as a taxable payout.

You must pay interest on the loan, but it is credited to your account. The bargain is fantastic if you get it. Notably, you will lose tax-deferred growth on the loan until it is repaid, and your plan may restrict your ability to make contributions (and receive matching grants).

You will also be returning taxed money. When you remove money from your 401(k), you pay double tax (k).

And if you quit your work, you may have to return the whole loan sum or regard it as taxable income, with a 10% penalty if you are under 59 1/2.

Can You Get Bad Credit Plastic Surgery?

You may get a loan for cosmetic surgery even if you have adverse credit with these four providers: cosmetic surgery treatment costs at least $3,000 and maybe much more.

Remember that CreditLoan’s $5,000 maximum loan amount may not be enough to meet your expenditures. If so, CashUSA.com ($10,000 limit) or PersonalLoans.com ($35,000 max) may be better.

Larger loans are designated for individuals with good credit.

If you have adverse credit, your loan offer may be lower. Nonetheless, these financial services might help you afford your operation partially.

Because most cosmetic surgery is optional, you may choose when to get it. Getting a personal loan takes time to build credit.

Here are some techniques to improve your credit score and get a loan:

  • Fix your credit reports: You have the right to request copies of your credit reports from Experian, TransUnion, and Equifax. AnnualCreditReport.com provides free credit reports. If a credit agency corrects an incorrect negative item, your credit score improves.
  • Get credit repair help: A credit repair business may dispute your credit reports for you if you don’t have time or want to do it yourself. Most of these businesses provide varying degrees of service at varying prices. A credit restoration business can help you quickly clean up your credit reports for as little as $100 per month.
  • Pay down current debt and pay your obligations on time to boost your credit score. It may take six months or more, but the credit bureaus should eventually detect and reward your creditworthy conduct.
  • Raising your credit score from bad to average may significantly boost your borrowing capacity, interest rate, and repayment length.

For how long can you afford plastic surgery?

The funding source determines the minimum credit score necessary for cosmetic surgery financing. All of the lending networks listed above assist persons with poor credit. It may be used for anything, including aesthetic surgery.

Of course, in-office financing requires clearance by the cosmetic surgeon. They will likely approve you based on your credit score and income. Thus bad credit will make it challenging to be authorized for cosmetic surgery financing.

The procedure’s medical necessity may also be approved. Determining whether or not to assist you arrange reasonable monthly payments for a surgery that is regarded medically required vs. just cosmetic is entirely up to the surgeon’s office.

How Much Does Plastic Surgery Cost?

Many doctors, including cosmetic surgeons, accept medical credit cards and payment plans.

Payment arrangements for plastic surgery may be self-financed. These are generally interest-free plans that allow patients to pay monthly.

They are no-interest loans, but you must research which doctors in your region provide them. These plans don’t charge interest, but you must pay on time and in full each month.

So, read the plan’s details carefully and only accept it if you can afford it. If you don’t pay, your doctor may file a lawsuit.

A cosmetic surgery clinic often does not record your payments to credit bureaus, so you cannot use a payment plan to enhance your credit. The agency will also report you to the credit bureaus.

In some instances, medical collections may not harm your FICO 9 score. Also, it’s unclear whether elective plastic surgery is exempt from credit reporting.

The most common option includes the doctor and CareCredit, a medical and dental financing firm.

The CareCredit card provides promotional interest-free periods of six or twelve months. The interest is only owed if you don’t pay back the loan in time.

CareCredit also provides low-interest extended payment options of 24 to 60 months. Many plastic surgeons will enroll you while you wait. The medical practice may pay for this service.

Is Plastic Surgery Covered?

Most health insurance policies do not cover elective cosmetic surgery. Reconstructive plastic surgery may be covered by insurance.

Procedures that ease discomforts, such as breast reductions, nose jobs, and weight loss surgery, may be required. Injuries, congenital disabilities, and diseases may all cause disfigurement.

Cosmetic operations to address medical issues may be covered by health insurance:

  • This is a structural flaw in your nose. Even if the surgeon adds a few aesthetic tweaks, you may be covered if it affects your breathing.
  • Although Otoplasty (ear surgery) may be covered, hearing loss is uncommon.
  • Droopy eyelids or injured eyelid muscles may cause visual issues.
  • Moles: A doctor may conceal a skin mole if it is malignant or precancerous, bleeding, itchy, or expanding. But insurance does typically not cover beauty blemishes.
  • Breast reconstruction surgery for mastectomy, lumpectomy, or congenital abnormalities may be covered. You may also be covered for improper breast implant removal and reconstruction.
  • Breast reduction surgery may be covered by insurance if big breasts cause pain. You may need to show that non-surgical options (weight reduction, exercise, chiropractic, massage, supportive bras) haven’t worked.
  • Surgical treatment for gynecomastia Males with larger breasts is up to 50% more likely to have this surgery, which removes extra fat and glandular tissue. Teens and young adults may be eligible for insurance, but older males are not.
  • Panniculectomy: Surgery to remove extra skin induced by weight loss in obese people. Obesity surgery may be reimbursed by insurance if classified as an illness. However, this varies by state.
  • Abdominoplasty (tummy tuck): This treatment may be covered if combined with breast reconstruction. The surgeon takes belly fat and skin to restore breast tissue lost after a mastectomy.
  • Bunion: You’re covered if the bunion causes discomfort or affects your foot’s function.

It’s Cancer season! Beauty, finance and fitness trends 2022

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Let’s be sensitive!

Welcome to Cancer season, the time of year when we fully embrace the start of summer.

On the heels of the summer solstice, we turn inward to understand our inner needs, emotional strength, and reflect on what matters most to us as we experience the longest days of the year.

The powerful Sun will swim in the pools of Cancer from June 21 to August 22. Cancer is symbolized by the Crab and embodies our emotional center. This Water sign encourages us to build our stability and security, as well as to pay attention to our intuition.

We connect with our families, better understand our place in our heritage, and can improve our homes and domestic lives. Cancer is the fourth zodiac sign on the wheel, known as the cardinal sign. It helps us become pioneers in emotional growth and understand our most basic needs.

Ruled by the Moon, the luminary of emotions, Cancerians yearn to nurture those around them, develop sacred space, and nurture their souls. Dive deep into global trends and predictions for what’s hot and what’s not in fashion, music, fitness, hair and finance (cryptocurrency and NFT!) and beauty for the 2022 cancer season! Don’t miss it! Be sure to follow me, all my favorites, and all things pop culture astrology to stay up to date!

Fashion

Follow celebrity stylist Jana Rae.

WHAT’S IN for women’s and men’s fashion: Cancer season kicks off summer and nothing brings the “summer feeling” quite like the Cannes Film Festival! Global film industry players and celebrities gather in the south of France in the seaside resort of Cannes to bring the watery Cancer vibes to celebrate the industry’s brightest! Although Cannes is known as an international film festival, it is also about the industry’s brightest celebrities gracing the red carpet.

Music

Follow the famous music producer, Craig J Snider.

WHAT IS IT : Our pick for Cancer season is Kate Bush’s “Running Up That Hill,” the classic ’80s ode to love returns with a vengeance.

Simultaneously dominating TikTok and “Stranger Things”, Kate is back on all our virtual airwaves! The song is a classic ode to love with a twist. It’s about a couple that has a strong love, but creates problems and insecurities. “If only I could, I would make a pact with God, I would make him change our places”: she wants men to be able to experience what it is to be a woman and vice versa. The lyrics actually transcend genre and are as insightful now as they were over 30 years ago. Imagine if we could do that: what would that mean for all the misunderstandings we experience in our world today? The production holds up surprisingly well and could be something you might hear on a 2022 playlist. Kate inspired several generations that followed, a true trailblazer indeed.

Aptitude

Follow famed fitness trainer, Don Saladino.

WHAT IS IT : Here’s your fitness tip for Cancer season: open some books. This is a great move to open up your thoracic spine and get some movement in your upper torso. (Can also be easily done on a beach towel) Enjoy!

Special discount code for New York Post readers: NYPost for 25% off all its programs here.

Don has previously spoken with the New York Post regarding being a superhero trainer for mega stars such as Hugh Jackman and Blake Lively.

Women’s hairstyle trends

Follow celebrity hairstylist Brandon Liberati.

Cancer hair is here! Hairstyle by @brandonliberati. Model @_alli_danielle .
Brandon Liberati

WHAT IS IT : It’s Cancer season: my favorite zodiac sign! Being a Cancer myself, this hair trend gives me all the FEELINGS. The element that rules this zodiac sign is Water. So, naturally, “Liquid Hair” is the hottest trend this season! Unlike the predecessor of this trend, “Glass Hair”, which had a blunt, leaf-like stiffness, “Liquid Hair” is silky smooth, much softer, just like this sultry zodiac sign. Cancers prefer flowing movements like the tide (and their moods), so this hair trend moves like water with plenty of shine as it catches the sun like a calm summer day in July by the ocean. .

Men’s hairstyle and hairstyle trends

Follow celebrity hairstylist, Kristan Serafino.

Cancer men's hair

Celebrity hairstylist Kristan Serafino has your cancer season hair tip!


Cancer Trends

Celebrity hairstylist Kristan Serafino has your cancer season hair tip!


Cancer Trends

Celebrity hairstylist Kristan Serafino has your cancer season hair tip!


Cancer Trends

Celebrity hairstylist Kristan Serafino has your cancer season hair tip!


The dichotomy of Cancer’s hard shell lining and soft, sensitive, compassionate interior makes perfect sense for a bolder direction for male hair. From Justin Beiber’s longer cut to Jay Z’s thick twists, Korean boy band Min-Ho’s bleached blonde hair and JungKook’s strong middle part, all the styles are bold and prominent, matching your what we’ll see in the coming weeks in Cancer Season!

Serafino says a pro tip: Don’t forget to try THE BEST PASTE.™

Kristan Serafino has recently worked with Ryan Reynolds, Danny Devito, Sir Kenneth Branagh and Richard Gere!

Finance and cryptocurrency

Follow cryptocurrency investor, Amanda Maxwell.

cryptocurrency investor
Cryptocurrency investor Amanda Maxwell epitomizes the mood swings of Cancer season. She visited Seville in Spain and was photographed by a Bitcoin ATM.

WHAT IS IT : As almost anyone can tell you, the crypto/stock market has officially entered a bear market. This can obviously make you very emotional this Cancer season, and rightly so. Since the beginning of this year, crypto and equities have been hit hard as the Fed withdraws its stimulus programs, which of course leads to temporary price turbulence.

This month, as we channel our inner Cancer, we must remember to give ourselves compassion and understand our sensitivity to the subject. Ultimately, we must remember that the technological and economic issues that made Crypto such a viable option for solving the world’s problems are still in play. People around the world are sticking to the nature of Cancer’s loyalty and cling to what they know is an equalizing force in this world.

cancer season
Cancer is symbolized by the Crab and embodies our emotional center. These tendencies will allow this water sign to feel all the hustle and bustle of summer.
New York Post composite photo

Special tip: Someone told me many years ago, when in doubt, zoom out! It is an incredibly powerful mental tool that allows you to follow the path of any stock/crypto and realize how much that asset has grown over the years, regardless of current price fluctuations. It helps you stay calm in turbulent times.

Disclaimer: I am not a financial advisor. This is not financial advice. Please do your own research before investing.

Hobbies

Follow Apryl Joi Visionary Vibe.

@ryanbdrake attends the 2017 NYC Pride Parade.


pride march

2017 NYC Pride March Participants via @ryanbdrake


Cancer Season Pride March

Participant catches the spirit of pride during cancer season via @ryanbdrake


pride march

NYC Pride March 2017 attendees via @ryanbdrake


Mercury retrograde chewed us up and spat us out until cancer season! Cancer energy is filled with embracing all the depths of our emotions and what better emotion than love [is love]? This year’s theme for the NYC Pride March is “Unapologetically Us” which is so on-brand for cancer energy! The sun symbol of Cancers is the crab and likewise they have a tough protective exterior but inside they are compassionate creatures who also make others feel loved.

Come out of your shell, Cancer, and use that spirit to support the LGBTQ+ community and enjoy the festivities! Cancer is a sponge that absorbs the surrounding energy, so this season will make you feel deeper emotions than you ever dreamed of! Although Miss Carey did not official plans to join in the festivities this year, there will be appearances from many other laudable queens, including Grand Marshal and social media influencer Ts Madison and rap queen Lil Kim, who will headline NYC Pride Island music festival poster this afternoon.

The last NYC Pride March took place in 2019 before the pandemic, where nearly 40,000 people marched alongside around 5 million spectators. Don’t worry if big crowds aren’t your thing, because for the past five years ABC-TV has aired the iconic march. So dust off that margarita maker and invite your friends over for a watch party!

Beauty & Makeup

Follow Lizzy Polanco, entertainment artist and Hollywood makeup artist.

Cancer season mood
Hollywood makeup artist Lizzy Polanco stuns in her Cancer season vibes.

WHAT IS IT : Cancer season is here! What better way to kick off this nurturing and magical zodiac season than by engulfing yourself fully in the shades of ruby, which is also one of Cancer’s corresponding birthstones! Put on ruby ​​lips and apply ruby ​​tones of eyeshadow to give you that hard shell with a soft Cancer inside!

Special shoutout to Brandon Liberati and Lizzy Polanco for their anniversary season! Enjoy the sweetness of Cancer Season! You heard it here the first time.


Astrology 101: Your Guide to the Stars


Kyle Thomas is a globally recognized pop culture astrologer who’s been featured on “Access Hollywood,” E! Entertainment, NBC and ABC TV, Cosmopolitan Magazine, Hulu, Bustle, Elite Daily, Marie Claire and more. He is known for his cosmic advice for celebrities, business executives and top influencers. His work harnesses star power when it comes to the entertainment lifestyle and trends affecting people around the world. For more information, visit KyleThomasAstrology.com.

10 recipes for beginners that will teach you how to cook

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We all have to start somewhere. That’s the inspiration behind this small but mighty collection of recipes for absolute beginners. We are talking about beginners who can hardly boil water. Maybe you just graduated from college and are on your own for the first time, or maybe you’ve never really learned to cook. Do not worry! These dishes — ranging from a no-cook tuna mayo rice bowl to oven-roasted chicken thighs with potatoes and lemons — are a fantastic place to start. Because nobody wakes up one day and can suddenly, say, run a marathon or, in this case, cook.

But anyone can make something good to eat. With a little help from our food columnists Melissa Clark, Genevieve Ko and Eric Kim, you’ll become the cook you’ve always wanted to be: a confident cook. Start with the recipes below, ranked from easiest to hardest. With practice, repetition, and patience, you’ll not only develop a skill set that you can apply to other New York Times cooking recipes, but you’ll have 10 delicious dishes under your belt that are well worth your time. to be cooked repeatedly.

You’d be amazed at how well you can cook without ever turning on the stove. Grab this tuna mayo rice bowl: all you need is canned tuna, your favorite mayonnaise, leftover rice, and whatever else you want to sprinkle on top. Sesame seeds add a little nutty crunch; roasted seaweed, such as nori or furikake, offers a crispy salty taste; and green onions bring a delicious freshness. Think of it as a blank canvas and get creative.

Recipe: Bowl of rice with tuna and mayonnaise

Here’s your chance to prove (and share) your culinary courage. All you need to make this guacamole is a sturdy bowl, a fork, and some elbow grease. Crush your lawyers et al. until smooth – or thick if you like contrasting textures. Then, take the opportunity to learn how to taste as you go, adding salt along the way, deciding whether or not to throw in jalapeño seeds for spicy heat, and squeezing in more lime juice if you like. your tangy guacamole. Just be sure to wash your hands after handling the jalapeños! (The capsaicin that makes them spicy can also irritate your eyes and skin.)

All right, time to put the stove in the mix. Grab a non-stick skillet because it will truly transport you, starting with cheese heaven when you make this quesadilla. Here, you’ll want to lean into making the mess, sprinkling cheese not just inside your tortilla, but also around the edges for a lattice-like halo of crispy crunch.

Recipe: Crispy quesadilla

If you are planning a difficult day, start it off on the right foot: few dishes can do better than very good french toast. In this case, you’re using standard sandwich bread, which gets particularly crispy because it’s thin, soft and cooks quickly, but sourdough, milk bread and brioche will do just as well. Just give the slices some time to soak up all that egg-rich milk before they hit the pan.

Recipe: French toast

Cereal, take the day off because it’s time for eggs on toast. Here’s your chance to practice your egg-cracking skills – be confident – and really reveal the beauty of buttery scrambled eggs. It’s also a lesson in temperature control, keeping the heat low to help you avoid overcooking your eggs. If you’re vegan, a tofu scramble is just as doable, and cooking with olive oil instead of butter will be just as good.

Perhaps you’ve heard of the glories of cooking on hobs. For those who are busy, have limited means or time, or have picky eaters, griddle baking can be a lifesaver. You’ll be blown away by the flavorful and satisfying meals you can make with nothing but a baking sheet, including these simple roasted veggies you can mix and match to taste.

Break out the saucepan, the last of the cooking utensils you’ll need to complete this cooking marathon. As far as one-pot meals go, this tofu curry is simple to make, with a fragrant coconut sauce that gives the broccoli, tofu, and onions their flavor. And with all the fat and liquid from the full-bodied coconut milk, vegan cooks will rejoice.

Recipe: Tofu curry with vegetables

What better way to feed a large group than this hearty turkey chili? (It’s also a great way to make lots of meals for yourself: leftovers will last for days in the fridge or a month in the freezer.) The recipe starts with frying canned onions and tomatoes in oil olive before adding chili powder and chipotles to the mix for spice and heat. You’ll have to let things twitter for a good 20 minutes, but you can be sure that, like these 10 recipes, the process works.

OK, time to roast a whole chicken! Just kidding: Let’s start with the thighs and work from there. When you’re looking for comfort and an all-in-one dinner, this lemony chicken will deliver and leave you feeling very accomplished in the process. The result will warm the soul, with just a touch of zip and zing from a generous helping of lemon juice.

Recipe: Lemon Chicken with Potatoes and Oregano

This isn’t the end of the cooking marathon, it’s just the beginning. We hope you emerge from the kitchen of these 10 recipes feeling empowered enough to feed not only yourself, but the people you care about as well. Even at the beginning of this journey, you will find the pleasure of cooking. And it’s only getting better.

Many wine lovers recognize salmon as a fish to pair with red wine, especially Burgundy or Pinot Noir. While it could be a wonderful pairing, the tangy mustard and lemon flavors of this grilled salmon recipe would go best with a white wine. My first choice would be dry Riesling, whether from Germany, Alsace or Austria. A modest one would be fine, but this dish would also complement a great bottle. If it’s not Riesling, how about a Chablis? It’s the same thing: a young village wine would be good, a Premier or Grand Cru with a little age even better. Other options? A Chardonnay from Oregon, a Savennières from the Loire Valley or a good Assyrtiko from Santorini would all be delicious. If you are fond of red, try a good Beaujolais vintage. ERIC ASIMOV

Cagr Status, Industry Growth, Trends, Analysis and Forecast to 2031 – Designer Women

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Market reports has recently released a new study in its database which highlights the in-depth analysis of the market with the future prospects of TD-LTE ecosystem market. The study covers important data that makes the research document a handy resource for managers, industry executives and other key people who get a ready-to-access, self-analyzed study and charts and charts to help understand market trends, market drivers and challenges. Some of the key players mentioned in this research are Huawei Technologies Co. Ltd, Telefonaktiebolaget LM Ericsson, Alcatel-Lucent SA, Datang Telecom Technology & Industry Group, Fiberhome Networks Co. Ltd, Nokia Networks, Potevio Company, Samsung Group, ZTE Corporation, MediaTek, Sony Mobile Communications AB, Ingenic Semiconductor Co . ., Ltd, Innofidei Inc, Marvell Technology Group Ltd, ChongQing City Communication Technologies Co. Ltd, Qualcomm Inc, Spreadtrum Communications, Broadcom Corporation, Leadcore National technology, Wavesat Telecommunications Ltd, Altair Engineering Inc, Renesas Electronics Corporation, Runcom Technologies Ltd

Segment by Type – Downlink Biased Services – Uplink Biased Services – Specific Scenario Services Segment by Application – Enterprise – Healthcare – Retail – Personal – Education

Access a free sample PDF report @ marketreports.info/sample/52666/TD-LTE-Ecosystem

Pre-Post COVID-19 Impact on Global TD-LTE Ecosystem Market

COVID-19 is an infectious disease caused by the most recently discovered new corona virus. Largely unknown before the outbreak began in Wuhan, China in December 2019, COVID-19 escalated from a regional crisis to a global pandemic in just weeks.

In addition, production and supply chain delays were also seen in the second quarter, which posed a challenge for the TD-LTE ecosystem market as end-user industries were still not functioning at their full capacity.

Inquire for customization in Report @ marketreports.info/enquiry/52666/TD-LTE-Ecosystem

What are the market issues in the TD-LTE ecosystem?

Changing regulatory landscapes, operational hurdles, and emergence of alternative technologies are all impacting the TD-LTE ecosystem industry.

What are the Different Types of TD-LTE Ecosystem Market?

On the basis of type, the TD-LTE ecosystem market is split into [Type]. In 2022, the segment held the largest share.

Who are the Major Key Players in the TD-LTE Ecosystem Market?

Huawei Technologies Co. Ltd, Telefonaktiebolaget LM Ericsson, Alcatel-Lucent SA, Datang Telecom Technology & Industry Group, Fiberhome Networks Co. Ltd, Nokia Networks, Potevio Company, Samsung Group, ZTE Corporation, MediaTek, Sony Mobile Communications AB, Ingenic Semiconductor Co . ., Ltd, Innofidei Inc, Marvell Technology Group Ltd, ChongQing City Communication Technologies Co. Ltd, Qualcomm Inc, Spreadtrum Communications, Broadcom Corporation, Leadcore National technology, Wavesat Telecommunications Ltd, Altair Engineering Inc, Renesas Electronics Corporation, Runcom Technologies Ltd

Who are the major end users of the TD-LTE Ecosystem Market?

TD-LTE ecosystem market is segmented into [Application] other end users.

Which region is most profitable for TD-LTE Ecosystem market?

Emerging economies in the Asia-Pacific region will be the lucrative markets for TD-LTE ecosystem products. .

What is the current size of the TD-LTE Ecosystem market?

The current size of the global TD-LTE ecosystem market is estimated at USD XX in 2022.

Get Instant Discount FLAT40% Off Full Report @ marketreports.info/discount/52666/TD-LTE-Ecosystem

North America is the region’s largest market for TD-LTE ecosystem.

North America includes countries like the United States, Canada, and Mexico. North America is the second largest consumer and producer of electricity after Asia-Pacific. The United States and Canada, which are among the largest consumers in this region and the world, account for the largest share of the TD-LTE ecosystem market.

Secondary research:

This research study made extensive use of secondary sources, directories, and databases such as Hoover’s, Bloomberg BusinessWeek, Factiva, and OneSource to identify and collect information helpful for technical, market-oriented, and business study of the global Portable Generators market . Other secondary sources included company annual reports, press releases and investor presentations, white papers, certified publications, articles from recognized authors, manufacturers’ associations, trade directories and databases. of data.

Primary research:

Various sources from the supply and demand side were queried during the primary research process to obtain qualitative and quantitative insights for this report. Key sources included industry experts from core and related industries, as well as preferred suppliers, manufacturers, distributors, technology developers, researchers, and organizations from all segments of this industry’s value chain. . To obtain and verify critical qualitative and quantitative information, in-depth interviews were conducted with various key informants, including key industry participants, subject matter experts, C-level executives from key market players, and industry consultants. sector.

Market size estimation

The total size of the TD-LTE Ecosystem market has been estimated and validated using top-down and bottom-up approaches. These methods have also been widely used to estimate the size of various market sub-segments. The following research methodologies have been used to estimate the market size:

Extensive secondary research has been used to identify key industry players.

The revenue generated by the major players in the molecular diagnostics market has been determined by primary and secondary research.

All shares, breakdowns and percentage breakdowns have been calculated using secondary sources and confirmed using primary sources.

TD-LTE Ecosystem Market Report TABLE OF CONTENTS

1. INTRODUCTION

1.1 objectives of the study
1.2 definition
1.3 inclusions and exclusions

1.4 market scope
1.5 years considered
1.6 currency
1.7 limits
1.8 stakeholders
1.9 summary of changes

2 RESEARCH METHODOLOGY
2.1 research data

2.2 Market Breakdown and Data Triangulation
2.3 scope
2.4 impact of covid-19 on the industry
2.5 market size estimation

3 EXECUTIVE SUMMARY

4 PREMIUM OUTLOOK

4.1 Exciting Opportunities in the TD-LTE Ecosystem Market
4.2 TD-LTE Ecosystem Market, by Region
4.3 North America TD-LTE Ecosystem Market, by End User and Country
4.4 TD-LTE Ecosystem Market, by Application
4.5 TD-LTE Ecosystem Market, by End User

5 MARKET OVERVIEW
5.1 presentation
5.2 covid-19 health check
5.3 path to recovery

5.4 covid-19 economic evaluation
5.5 market dynamics

5.6 trends
5.7 market map
5.8 TD-LTE ecosystem average price
5.9 trade statistics
5.8 value chain analysis
5.9 technological analysis
5.10 pricing and regulatory landscape

5.11 TD-LTE Ecosystem: Patent Analysis
5.14 analysis of the carrier’s five forces

6 TD-LTE Ecosystem MARKET, BY APPLICATION

6.1 Presentation
6.2 Emergency
6.3 First/Continuous

7 TD-LTE Ecosystem MARKET, BY END-USER
7.1 Presentation
7.2 Residential
7.3 Commercial
7.4 Industrial

8 GEOGRAPHICAL ANALYSIS

8.1 Presentation
8.2 North America
8.3 Asia-Pacific
8.4 Europe
8.5 Middle East and Africa
8.6 South America

9 COMPETITIVE LANDSCAPE
9.1 Strategies of key players
9.2 Top Five Players Market Share Analysis
9.3 Market assessment framework
9.4 Top Five Market Players Revenue Analysis
9.5 Business Rating Quadrant
9.6 Mapping Startup Competitive Leadership
9.7 Competitive Scenario

10 COMPANY PROFILES
10.1 Key Players
10.2 Startup/SME players

11 APPENDIX
11.1 Views of industry experts
11.2 Discussion Guide
11.3 Knowledge Store
11.4 Customizations available
11.5 Associated reports
11.6 Author Details

Purchase an instant copy of this research report @ marketreports.info/checkout?buynow=52666/TD-LTE-Ecosystem

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SoFi Technologies (NASDAQ:SOFI) vs Northern Lights Acquisition (NASDAQ:NLIT) Direct Survey

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Sofi Technologies (NASDAQ: SOFIGet a rating) and acquisition of aurora borealis (NASDAQ: NLITGet a rating) are both business services companies, but which company is superior? We’ll compare the two companies based on the strength of their profitability, valuation, earnings, institutional ownership, analyst recommendations, risk, and dividends.

Insider and Institutional Ownership

56.5% of SoFi Technologies shares are held by institutional investors. By comparison, 79.5% of the shares of Northern Lights Acquisition are held by institutional investors. 13.0% of SoFi Technologies shares are held by insiders of the company. Strong institutional ownership indicates that hedge funds, endowments, and large fund managers believe a company will outperform the market over the long term.

Valuation and benefits

This chart compares the gross revenue, earnings per share (EPS), and valuation of SoFi Technologies and Northern Lights Acquisition.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Sofi Technologies $984.87 million 5:30 p.m. -$483.94 million ($0.82) -6.95
Acquisition of aurora borealis N / A N / A $1.25 million N / A N / A

Northern Lights Acquisition has lower revenues, but higher profits than SoFi Technologies.

Profitability

This table compares the net margins, return on equity and return on assets of SoFi Technologies and Northern Lights Acquisition.

Net margins Return on equity return on assets
Sofi Technologies -36.32% -9.24% -4.49%
Acquisition of aurora borealis N / A -58.07% 1.72%

Analyst Recommendations

This is a breakdown of the current ratings and target prices for SoFi Technologies and Northern Lights Acquisition, as reported by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Sofi Technologies 0 5 seven 0 2.58
Acquisition of aurora borealis 0 0 0 0 N / A

SoFi Technologies currently has a consensus target price of $14.04, indicating a potential upside of 146.29%. Given SoFi Technologies’ likely higher upside, equity research analysts clearly believe SoFi Technologies is more favorable than Northern Lights Acquisition.

Summary

SoFi Technologies beats Northern Lights Acquisition on 5 out of 9 factors compared between the two stocks.

SoFi Technologies Company Profile (Get a rating)

SoFi Technologies, Inc. provides digital financial services. It operates through three segments: lending, technology platform and financial services. The society’s lending and financial services and products allow its members to borrow, save, spend, invest and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans. The company also provides cash management, investment and technology services. Additionally, it operates Galileo, a technology platform that offers services to financial and non-financial institutions; and Apex, a technology platform that provides investment custody and clearing brokerage services, as well as Technisys, a cloud-based digital multi-product core banking platform. The company was founded in 2011 and is based in San Francisco, California.

Northern Lights Acquisition Company Profile (Get a rating)

Northern lights acquisition logoNorthern Lights Acquisition Corp. has no significant activities. It intends to enter into a merger, capital stock exchange, asset acquisition, stock purchase, reorganization or similar business combination with one or more companies in the cannabis industry. The company was incorporated in 2021 and is based in New York, New York.



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Travel retail is an “incredible” platform to showcase the sustainability journey – Rituals

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Melvin Broekaart, Director of Global Travel Retail at Rituals Cosmetics, highlighted the importance of travel retail as a global platform for brands to communicate their sustainability stories.

Speaking at the recent Tax Free World Association (TFWA) Asia Pacific Live event in Singapore, Broekaart said: “If there’s one amazing place – and perhaps the best platform or stage in the world to tell stories – it’s travel retail.

“People spend their time being captive, behind customs and waiting for their flight. They have this magic hour that they have to really soak up sustainability messages and discover products. »

Broekaart explained that the travel retail channel has a great opportunity to be a port of call where travelers can “find sustainability first”.

In recent years, and especially in a post-pandemic world, sustainability has become a prerequisite for every business and brand.

Asked later about the dangers of overselling sustainability to consumers, Broekaart said CosmeticDesign-Asiathat he ” does not exist “.

“I think the subject of sustainability and sustainability is so broad and we’re only scratching the surface at the moment when it comes to finding out what sustainability will look like for every brand owner, retailers and the travel channel in general. Oversold? No, not in the next decade, I dare say.

Instead, he said brands need to help consumers resonate with their sustainability efforts by “break it down”.

“There is a need for more precise definitions of sustainability, which is broad enough for us as a brand owner. There’s so much in this mandate that I think is hard for a lot of people to fully comprehend.

He explained that Rituals broke this down into three pillars: clean, caring, and aware.

Each pillar has a goal that the brand hopes to achieve, for example, under the clean pillar, Rituals has pledged that all of its personal care products are formulated with over 90% naturally derived ingredients by 2023.

In January, the Dutch beauty and wellness outfit became a certified B company after three years of transformation.

Rituals is one of a small handful of beauty companies that have achieved B Corp status, which helps the brand fight greenwashing.

“[Greenwashing] highlights one of our key drivers for becoming B Corp certified. I think the best way to convince, or at least share with consumers, is to have an independent third party say it on your behalf.

“If you choose a very tough, independent party like B Corp, for example, I think the message becomes even simpler, more honest, more open and very transparent.”

I stopped dieting for my children. here’s why

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So it’s no surprise that I was concerned when I spotted a doctor’s note in my electronic health portal that described me as “overweight but alert.”

I chose a sensible nutrition plan, marketed as a “lifestyle change”, not a diet. Still, I worried about how it might affect my children (ages 7, 12, and 15) to see me watch my food intake, following rules such as “water first, vegetables the most” and skip the carbs at dinner.

I couldn’t stop the dangerous messages of diet culture from reaching my family, but I didn’t want to cause further harm with my own behavior. I found a book I wish I had read as a teenager, “No Weigh: A Teen’s Guide to Positive Body Image, Food, and Emotional Wisdom”, co-authored by three teen experts: Dr. Shelley Aggarwal, Medical Specialist teens, eating disorder therapist Signe Darpinian and dietitian Wendy Sterling. Although aimed at teenagers, the book touched me both individually and as a parent.
In March, this trio collaborated on a down-to-earth guide for parents. “Raising Body Positive Teens: A Parent’s Guide to Diet-Free Living, Exercise and Body Image” has changed the narrative in my head and in my family, as I help my teen, tween, and 7-year-old cultivate a balanced relationship with food and the body.

Here’s what I learned from the authors about the science of raising truly healthy children.

Do parents’ food and dietary habits influence how their children eat?

Yes, say these experts. It is well established that “how a parent eats, how they buy, how they prepare, how they prepare and how they offer food influences the child’s experience of food and the body” , Aggarwal said.

While I’m quick to blame my mother for modeling dieting behavior during my childhood, I recognize that she likely internalized the norms of the dieting culture of her day.

Aggarwal urged parents to reflect on their own complicated experiences with body image and try to develop a personal practice of wellness. “You can only give what you have,” she told me gently.

What’s wrong with working on weight loss?

In our culture, and particularly in medicine, “weight has been overvalued as a marker of health,” Aggarwal said. Chief among the misguided messages of diet culture that parents inadvertently pass on to children is the use of the word “health” as the “code for thin.”
You can eliminate diet culture from your diet, experts say.  Here's where to start

“Skinny doesn’t mean healthy,” Aggarwal said, so we need to stop using weight to indicate whether someone is healthy, attractive, or worthy. Parents need to make children understand that no one’s worth is based on their appearance, weight, or how or what they eat.

It’s critical that parents understand the “biological, psychosocial and cognitive needs of their developing youngster,” Aggarwal said. Gaining weight and changing shape are normal and expected parts of puberty. Fat helps the body function, she noted, even in the brain, 60% of which is adipose (fat) tissue.

How can focusing on “healthy” eating become problematic for families?

The pressure parents feel to raise “healthy” children of a particular weight can lead them to adopt rigid approaches to meals and snacks, including rules such as saying “no dessert until until you finish dinner,” obsessing over nutritional information and categorizing foods as “good.” “or bad.”

These restrictions often backfire, according to Sterling. Restrictive eating disrupts a child’s innate ability to listen to their internal signals of hunger and fullness and has been shown to be a risk factor for eating disorders and disordered eating.
Rigid rules regarding meals and snacks can often backfire and lead to disorders such as binge eating.
In addition, parental encouragement to diet in children was a significant predictor of higher risk of being overweight or obese, dieting, binge eating, engaging in unhealthy weight control behaviors, and lower body satisfaction, according to a 2018 study.

Experts recommend checking whether a teen’s or your relationship with food or exercise seems out of balance. According to Darpinian, parents often said they overlooked signs of eating disorders because they thought their teen was “just trying to eat healthier and exercise more.”

What should parents do instead to promote well-being?

“Food is so much more than protein, starch, vitamins and minerals, but many people struggle to have fun with food,” Aggarwal said. She encouraged families to remember that food is at the “heart of the human experience” and an important source of connection through cultural traditions, holidays and special events.

Instead of obsessing over weight, try intuitive eating and listen to your body's signals about food.
To promote a body-positive home, stop talking about diet, weight and fitness, and don’t judge other people’s bodies, Sterling said. Learn more about intuitive eating, which dietitians have been recommending for decades. For children whose diets seem out of balance, Sterling suggested teaching them to use a “hunger meter” to determine their level of hunger before making food choices.
Fat shaming by doctors, family and classmates is a global health issue, studies show

Families need to look beyond appearances to a broader view of the essentials that enable us to experience wellness, such as mental health, sleep, food, and movement in fulfilling and joyful ways.

Comments such as “I’ll have to run tomorrow to eliminate this dessert” establish a troubling link between exercise and food intake. Instead, the authors said in their sleep chapter that parents can “focus on the many practical benefits of exercise, including improved mood, energy and sleep, stress relief and metabolic fitness”.

How can we help teens deal with stress, sleep and social media?

Instagram's dark appeal as a silent self-esteem buster

Parents can guide teens toward choices that have been scientifically proven to be essential for well-being. For example, the authors pointed to studies that show how getting enough, consistent sleep improves athletic and academic performance.

Likewise, the use of technology must be intentional and regulated. Parents need to proactively monitor — and teach children to be aware — of time spent online and the impact of social media on their sleep and self-esteem.

What if a parent or child starts out hating their bigger body?

If “body positivity” seems out of reach for parents and teens unhappy with their bodies, Darpinian recommended using micro-goals proven to help us achieve our goals more effectively. To improve body image, practice reducing body-controlling behaviors such as obsessively looking in the mirror or looking at pictures or comparing yourself to others.

To improve your body image, avoid constantly looking at yourself in mirrors or comparing yourself to others.

Instead of focusing exclusively on trying to achieve an ideal weight or height, experts suggest encouraging wellness behaviors that promote holistic intuitive self-care.

“We know that if you improve your health behaviors and do a good job of getting to bed on time, you manage stress effectively, you eat intuitively, and you get used to moving in ways that are happy for you, the result will be your body’s natural body weight,” Darpinian said. A therapist can help if there’s grief or disappointment to accept where their body naturally ends up.

How do you discuss body stigma with teens and set boundaries with family members?

The authors have included wisdom from Virginia Sole-Smith, Dismantling Diet Culture, for example how to respond when your teen asks, “Am I fat?” or talking about diet and how to discuss fat phobia.

12 products that can help you waste less food in the kitchen (Courtesy of CNN Underscored)

The book also provides useful scripts for difficult boundary setting situations. I could never identify what bothered me about comments (even positive ones) about my appearance until the authors provided the perfect answer: “When you comment on my body without my consent, I feel angry and j ‘hear in my head that you are scrutinizing my body.

Stopping dieting doesn’t mean I’ve given up on my family’s health. Instead, I hone a holistic, non-dietary approach to our nutrition, fitness, and wellness.

Jodie Sadowsky is a Connecticut-based writer. She can’t wait to hear the ways her children will say she failed to become a parent.

Recipe: Versatile fennel adds texture, flavor to this roast salmon dish

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Fennel, a vegetable with a “bagpipe” bulb and feathery green fronds, won’t win any beauty awards, but it has won a passionate following from chefs and home cooks who enjoy its sweet aniseed or licorice taste. .

Besides its unusual appearance, the bulb has two identities: crunchy with a fresh licorice flavor when raw, or soft and buttery when roasted or sautéed.

I first came across fennel in a restaurant in Italy where it was served paper-thin slices in a salad with segments of peeled blood oranges and drizzled with a simple vinaigrette of lemon juice and olive oil and shavings of Parmigiano-Reggiano cheese. I like to scatter Kalamata olives over the salad for a nice lunchtime appetizer.

A mandolin is handy for slicing fennel and cheese. The smaller bulbs have a milder flavor, which lends them well to salads like this or just eating raw; larger bulbs have a stronger flavor and are great for grilling, braising and roasting.

Look for compact, firm white bulbs with no blemishes or cracks. Stems should be crisp with fronds that show no signs of wilting or flowering. Store unwashed fennel in a plastic bag in the refrigerator for 3 to 4 days.

Every part of the vegetable is edible; from bulb and stems to dill-like fronds. The fronds can be used as a garnish for salads, soups or pastas, and the stems can be used in soups and stews.

Fennel can be intimidating to work with at first, but once you cut off the stems and green tops, the bulb is easy to manage. Cut off all the hard outer layers of the bulb; hold the bulb upright and cut into quarters lengthwise, then cut the core from the center of each quarter.

Like onions, roasted fennel caramelizes beautifully due to its high sugar content. It goes wonderfully with roast pork, fish or chicken.

Toss fennel on the grill this summer for an unusual partner for grilled main courses. Slice lengthwise into ½-inch slices, leaving the pit intact to prevent the fennel from falling apart, and brush with olive oil before placing directly on the grill. Grill about 3-5 minutes per side until lightly charred and tender. Remove and drizzle with the juice of half a lemon.

Fennel is rich in vitamins A and C, fiber and potassium and is low in calories.

Salmon with Grapefruit, Harissa, Capers and Fennel

This recipe is adapted from One Dish Fish by Lola Milne, Kyle Books, ($22.00).

Ritual Sauvignon Blanc 2019 from Chile ($20.99) is fresh and fruity with plenty of citrus and herbal notes, making it a great match for the tart spice of the harissa and balancing the fatness of the salmon .

Milne writes, “This dish makes a great summer supper. It’s a wonderful balance of sweet, tangy and salty, with a gentle heat from the harissa. If you want, you can try replacing the butter beans with cannellini beans, boiled potatoes or chickpeas.

2 teaspoons rose harissa (available online and at Whole Foods)

1 ripe pink or orange grapefruit, peeled with as much skin removed as possible, segmented and cut into small pieces

2 fennel bulbs, tough outer leaves and core discarded, cut into thin wedges, leaves reserved

3 tablespoons of capers

5 tablespoons olive oil, plus extra for drizzling

1 to 14 ounces butter beans, drained

4 salmon fillets (about 4¼ oz each) or

a small handful of fresh flat-leaf parsley, leaves coarsely chopped

a small handful of fresh mint leaves, coarsely chopped

sea ​​salt and freshly ground black pepper

lemon wedges, for serving

Preheat your oven to 425°. In a large roasting pan, combine the harissa, grapefruit, fennel and capers. Pour over the 5 tablespoons of olive oil and 2 tablespoons of water, then season, cover with aluminum foil and cook for 20 minutes.

Raise the oven temperature to 450°. Take out the roasting pan and stir in the butter beans. Add the salmon, turn it over to coat it with the juices before positioning it flesh side up, drizzle with a little extra olive oil and season. Return the pan to the oven for about 8 minutes until the flesh breaks apart easily.

Sprinkle the roasting dish with herbs and fennel leaves and serve with lemon wedges to squeeze.

Yield: 4 servings

20 years after the passage of Sarb

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Internal audit and finance leaders need to modernize their SOX compliance approaches to reduce costs and retain talent

MENLO PARK, Calif., June 9, 2022 /PRNewswire/ — The thirteenth annual Sarbanes-Oxley (SOX) compliance survey, conducted by global consultancy Protiviti, finds hours spent on SOX compliance increased for 53% of companies across most industries, company sizes and report types. Coinciding with the 20e anniversary of the passage of the U.S. Sarbanes-Oxley (SOX) Act, the 2022 survey results illustrate the need for companies to explore alternative delivery models and SOX compliance automation in order to put put in place a more effective and efficient execution strategy in the face of continued cost pressures, increased scrutiny from external auditors (due to advice from the US PCAOB), labor shortages, remote and hybrid working models and other challenges.

The annual Protiviti SOX Compliance Survey assesses costs, hours, processes and compliance improvements.

The survey found that for companies that have passed their second year of SOX compliance, average annual SOX compliance costs have increased by 18% from 2021 to 2022. Thirty percent of companies surveyed beyond their second year of SOX compliance spent more than $2 million in their last fiscal year, compared to 24% the previous year. As companies increasingly use automation and external resources, there is still significant opportunity to moderate cost increases for SOX compliance.

“Today, internal audit and finance leaders have a menu of options to innovate and streamline their SOX compliance programs and reduce internal burdens, technology tools that support automation, deliver workflow capabilities and document management support, to alternative delivery models, such as centers of excellence managed internally or by an external outsourcing partner,” said Andrew Struthers-Kennedy, chief executive of Protiviti and global leader of the firm’s internal audit and financial advisory practice. “The ongoing talent war underscores the urgency for CAEs to explore the staffing and retention benefits that alternative service delivery models can bring. Delivery center organizational structures offer internal audit teams the ability to focus on strategic contributions and avoid burnout and turnover associated with certain repetitive and routine activities of the SOX program.

To demonstrate the savings potential of automation, for an organization with 200 controls, a reduction of, say, one hour of operational control effectiveness testing can save 200 man-hours and provide benefits significant in terms of effectiveness and population coverage.

In addition to increasing their investment in automation support, survey respondents reported growing interest in leveraging internal shared services models and partnerships with third parties that operate centers of excellence. external for control testing. On average, 41% of surveyed organizations’ SOX compliance costs relate to outsourced, onshore or offshore resources, up from 37% in 2021. Fifty-four percent of surveyed organizations leverage audit management and GRC platforms; two out of five organizations use data analytics and visualization platforms; and one in three uses segregation of duties analysis tools and ongoing monitoring. However, companies use technology tools on average for 25% of their overall SOX compliance program activities, which leaves significant room for improvement.

The Protiviti report, titled “SOX Compliance Amid Rising Costs, Labor Shortages and Other Post-Pandemic Challenges,” is based on a survey of more than 560 audit, compliance and finance managers and professionals representing a wide range of industries. The survey was conducted with the support of AuditBoard, a cloud-based audit, risk and security compliance management platform, in March and April 2022.

Investigative resources available
The annual Protiviti SOX Compliance Survey assesses costs, hours, processes and compliance improvements, including how these areas are affected by current business conditions. The investigation report is available for free download here. Plus, an infographic and podcast featuring Protiviti Managing Directors Clint McPherson and Seth Schrank discussing the benefits of alternative delivery models are available on the webpage. Protiviti and AuditBoard will host a free one-hour webinar on June 16 at 10:00 a.m. PDT with Struthers-Kennedy and Scott Madenburgmarket advisor, AuditBoard, with Protiviti’s Keith Kawashimageneral manager and Kristen Kelly, Director, to explore the findings and implications of the study. To attend the webinar, please register here.

About Protiviti
Protiviti (www.protiviti.com) is a global consulting firm that offers deep expertise, objective insights, a tailored approach and unparalleled collaboration to help leaders face the future with confidence. Protiviti and its independent and local member firms provide their clients with advisory and management solutions in the areas of finance, technology, operations, data, digital, legal, governance, risk and internal audit through its network of more than 85 offices in more than 25 countries.

Named to the Fortune 100 list of the best companies to work for in 2022® list, Protiviti has served more than 80% of Fortune 100 companies and nearly 80% of Fortune 500 companies. The company also works with smaller and growing companies, including those looking to go public, as well only with government agencies. Protiviti is a 100% subsidiary of Robert Demi (NYSE: RHI). Founded in 1948, Robert Demi is part of the S&P 500 index.

About AuditBoard
AuditBoard is the leading cloud-based platform that transforms audit, risk and security compliance management. More than 30% of Fortune 500 companies rely on AuditBoard to drive their business forward with greater clarity and agility. AuditBoard is top rated by customers on G2, Capterra, and Gartner Peer Insights. To learn more, visit: AuditBoard.com.

Protiviti is not licensed or registered as an accounting firm and does not issue an opinion on the financial statements or provide attestation services.

Editor’s note: photos available on request.

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SOURCE Protiviti

Swirling nails, estrogen face cream and wedding makeup

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With wedding season in full swing, searches for the perfect wedding looks, nail swirls and estrogen face cream are swirling in recent searches, according to New York-based trend tracker Spate.

Swirl Nails

For summer 2022, consumers are looking for a more nostalgic nail aesthetic.

According to Spate, there are 13,300 searches on average each month in the United States for swirl nails, which is an average volume compared to other nail design searches. It has increased by +370.6% in searches since last year without any market leader.

The swirl nail trend dates back to the 1960s and 70s. Related searches include terms such as white, blue, pink, black, green and marble – revealing that consumers are looking for swirl nails in a variety of colors. The color blue alongside nail products is up +22.2% YoY (YoY) while white is up +26.7% YoY, highlighting the popularity wider of these two colors in particular. Marble search indicates consumers are looking to achieve a marble aesthetic, but searches for marble nails are down -2.7% from the prior year, revealing a shift in how consumers search this nail look.

The uniqueness and customization of the swirl nail trend lends itself to a blank canvas of different styles. There may be opportunities for brands to engage in collaborations with celebrities and influencers to create truly unique or limited-edition styles. They can also partner with artists to showcase unique creations and produce tutorials and online content to achieve the looks. Brands also need to consider how the swirl trend aesthetic can extend beyond nails to makeup.

Estrogen face cream

Estrogen face cream research indicates that consumers are looking to learn more about the benefits of estrogen and its skincare applications.

On average, there are 2,100 searches each month in the United States for an estrogen face cream, which is a very low search volume compared to other moisturizers. It has increased by +102.8% in searches since last year. There is no market leader.

Estrogen is an essential component of skin function, which has been shown to improve skin elasticity, hydration and thickness. Related searches include: best, over-the-counter, for face, for facial hair and what is it, indicating that consumers currently don’t know much about estrogen and its skincare apps, and they’re looking to learn more. They are also looking for non-prescription versions of this treatment, which reveals an opportunity for beauty brands to offer low-dose options where possible (similar to non-prescription retinol products).

The lack of market leaders coupled with the weak competitive space indicates a potentially lucrative opportunity for brands to become a market leader in the estrogen face cream market. Brands should also consider leveraging estrogen in other formats such as treatments, serums, lotions and mists.

wedding makeup

Wedding makeup searches indicate that consumers are looking to get the perfect wedding makeup.

There are 113,000 searches on average each month in the US for wedding makeup, which is up +44.5% in searches since last year. This is a very high search volume trend compared to other makeup looks. There are currently four market leaders: MAC Cosmetics, L’Oréal Paris, Bobbi Brown and Kryolan.

Related searches include terms such as: natural, near me, simple, ideas, price, soft, kit, and tutorial. Searches for terms such as natural, soft, and simple reveal that the modern bride is looking for a natural look that enhances her features. Terms such as “near me” and “price” indicate that consumers are looking for professional makeup artists. The search for kits, tutorials and ideas reveals that consumers are also eager to learn how to do their own bridal makeup. It’s a great opportunity to create bridal-specific products and collections that make it easier and easier for consumers to create their own bridal looks.

Wedding makeup lends itself to a plethora of product opportunities in every makeup category, from foundation and concealer to mascara and blush. Brands should consider ways to stand out with new innovations, events, and marketing activations to stand out from the competition. Grooms are often overlooked behind the traditional bridal spotlight, so there may be a unique opportunity to meet the needs of the bride and groom or showcase neutral looks. Brands should also consider ways to build customer loyalty by creating ways to become a makeup bag staple beyond the big day, Spate says.

Samsung Galaxy Watch 5 vs. Galaxy Watch 4 – the biggest update rumors

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The differences between the Samsung Galaxy Watch 5 and the Galaxy Watch 4 might matter more than ever. With the competition in wearable computing only growing and getting better, we expect the next-gen Galaxy Watch to up the ante.

As it stands, the Samsung Galaxy Watch 4 is one of the best smartwatches around and the best smartwatch for Android. Not only was it the first device to launch with the unified version of Wear OS, replacing Tizen, but it offered plenty of health upgrades and design options over previous Galaxy Watch models.

How will the Samsung Galaxy Watch 5 improve? Or what will the biggest Galaxy Watch 4 upgrades include? And could Samsung have any tricks up its sleeve to take on the incoming Google Pixel Watch, which will also run Wear OS?

Here’s everything we know so far about the Galaxy Watch 5 compared to the Galaxy Watch 4, from possible design changes and new features to battery upgrades and more.

Samsung Galaxy Watch 5 price vs Galaxy Watch 4

Depending on how Samsung approaches its smartwatch lineup this year, the price of the Galaxy Watch 5 could keep Galaxy Watch 4 prices up. The Galaxy Watch 4 started at $249 for 40mm Bluetooth. The Galaxy Watch 4 Classic, with more premium materials, started at $349 for the 42mm Bluetooth model. Both versions also have LTE variants.

If the Galaxy Watch 5 is available in only one configuration, the price might be higher than the Galaxy Watch 4. You might recall the Samsung Galaxy Watch 3’s original starting price of $399, which reflects the ‘Apple Watch Series 7 (and possibly the Apple Watch 8). ) Cost.

Design of the Samsung Galaxy Watch 5 against the Galaxy Watch 4

The Samsung Galaxy Watch 4 looked pretty much like all the best Samsung watches of the past. That said, we did see some modern improvements, including a slimmer build and a more seamless transition from watch case to watch strap.

Of course, the designs of the Samsung Galaxy Watch 4 compared to the Galaxy Watch 4 Classic are quite different. The standard model looks like a sportier wearable, while the classic model looks more like a traditional watch. It even retains the physical bezel introduced on the original Samsung Galaxy Watch in 2018.

We haven’t heard much about the design of the Galaxy Watch 5 yet, but there are rumors of a third model launching this year, as well as Samsung ditching the physical bezel altogether. Instead, a “Pro” model could replace the Classic, perhaps with a titanium frame and sapphire crystal protecting the display.

Features of Samsung Galaxy Watch 5 vs Galaxy Watch 4

If there’s one thing we know for sure, it’s that the Samsung Galaxy Watch 5 experience will be powered by Wear OS. Not only has the Galaxy Watch added support for Google Assistant, but with many popular Google services built-in, the watch is fully capable on the go.

Most of the feature rumors revolve around the new health and fitness tracking technology. Some reports have stated that the Galaxy Watch 5 will come with temperature sensing technology, while others claim that the Galaxy Watch 5 will lack temperature sensing technology.

Samsung has been ambitious with sensors, launching the Samsung Galaxy Watch 4’s body composition feature last year and updating the activity interface for an excellent Samsung Galaxy Watch workout test. 4.

It will be interesting if Samsung manages to borrow tools from Fitbit, which appears to be starting a merger with Wear OS. The Google Pixel Watch is confirmed to leverage Fitbit fitness tracking, but that might still be reserved for internal hardware.

Battery life of the Samsung Galaxy Watch 5 compared to the Galaxy Watch 4

The battery life of the Samsung Galaxy Watch 5 compared to the battery life of the Galaxy Watch 4 could introduce several upgrades. As a reminder, the Galaxy Watch 4 is rated for 40 hours of use, but we found that we had to charge it about every 24 hours with daily fitness and sleep tracking.

A rumor has it that the Galaxy Watch 5 ‘Pro’ model will pack a 572mAh battery, an increase of almost 60% over the 361mAh battery found in the larger 44mm Galaxy Watch 4. As a result, Samsung’s smartwatch might last longer than before.

Next, when it comes to charging speeds, an FCC listing for three Galaxy Watch 5 models reveals that they all support 10W charging. (opens in a new tab). That would mean faster charging from 5W charging on the Galaxy Watch 4 series, so less time on the charger.

Samsung Galaxy Watch 5 vs Galaxy Watch 4 outlook

Until the Samsung Galaxy Watch 5 is announced and we can test it, we can’t say for sure how it will improve over the Galaxy Watch 4. Samsung has a history of releasing smartwatches every year , and we expect to see the Galaxy Watch 5 (or Galaxy Watch 5 series) in August alongside the Samsung Galaxy Z Fold 4.

Consumer and Business Debt Consolidation Market Size 2022-2029

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New Jersey, United States,-The research report on the Global Consumer and Business Debt Consolidation Market provides a comprehensive industry growth perspective, an overview of market size and value, and a survey of existing business trends. . Consumer and business debt consolidation studies also provide insight into various market demand factors. The consumer and business debt consolidation research report details many of the variables that have led to the rise of the global consumer and business debt consolidation markets. The consumer and corporate debt consolidation market analysis includes an in-depth assessment of global technological developments and trends. Industry research on consumer and business debt consolidation based on volume, performance and valuation calculates an accurate market share. Global Emotion Detection and Recognition Market size prediction and calculation is done using bottom-up and top-down technologies.

Get | Download sample copy with table of contents, graphics and list of [email protected] https://www.marketresearchintellect.com/download-sample/?rid=333933

The term Consumer and Corporate Debt Consolidation based market research provides helpful insights such as the study of the effects on significant aspects, alternatives, and restraints. Graphical analysis of the Emotion Detection and Recognition demand forecasts for the predicted periods can demonstrate the financial requirements of the global Emotion Detection and Recognition industry. Likewise, the study highlights features which limit demand growth, adequately predict Consumer and Business Debt Consolidation Market quantities, and have long term effects over the predicted period.

The impact of the Corona 19 outbreak on the global Emotion Sensing and Awareness industry, growth rates, correct supply chain analysis, scale in various scenarios, and responses Corporate critiques of the outbreak are all examined in research on emotion sensing and sensitization. The research focuses on emotion detection and recognition in global markets, particularly in North America, Europe and the Asia-Pacific region, as well as South America, the Middle East and Africa. The study divides the market into four parts: manufacturer, region, type and application.

Key Players Covered in Consumer and Commercial Debt Consolidation Markets:

  • Discover personal loans (USA)
  • Lending Club (USA)
  • Payment (US)
  • SoFi (US)
  • FreedomPlus (US)

Consumer and Business Debt Consolidation Market Split By Type:

  • Credit card debt
  • Overdrafts or borrowings

Consumer and Business Debt Consolidation Market Split By Application:

The Consumer and Corporate Debt Consolidation Market report has been segregated into distinct categories such as product type, application, end-user, and region. Each segment is valued based on CAGR, share, and growth potential. In the regional analysis, the report highlights the prospective region, which is expected to generate opportunities in the Global Consumer and Corporate Debt Consolidation Market in the coming years. This segmental analysis will surely prove to be a helpful tool for readers, stakeholders, and market players to get a complete picture of the global Consumer and Corporate Debt Consolidation market and its growth potential in the years to come.

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Scope of Consumer and Corporate Debt Consolidation Market Report

Report attribute Details
Market size available for years 2022 – 2029
Base year considered 2022
Historical data 2019 – 2021
Forecast period 2022 – 2029
Quantitative units Revenue in USD Million and CAGR from 2023 to 2029
Segments Covered Types, applications, end users, and more.
Report cover Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
Regional scope North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
Scope of customization Free report customization (equivalent to up to 8 analyst business days) with purchase. Added or changed country, region and segment scope.
Pricing and purchase options Take advantage of personalized purchasing options to meet your exact research needs. Explore purchase options

Regional Consumer and Business Debt Consolidation Market Analysis can be represented as follows:

Each regional Consumer and Business Debt Consolidation industry is carefully researched to understand its current and future growth scenarios. This helps players strengthen their position. Use market research to get a better perspective and understanding of the market and target audience and ensure you stay ahead of the competition.

Based on geography, the global consumer and corporate debt consolidation market has been segmented as follows:

    • North America includes the United States, Canada and Mexico
    • Europe includes Germany, France, UK, Italy, Spain
    • South America includes Colombia, Argentina, Nigeria and Chile
    • Asia Pacific includes Japan, China, Korea, India, Saudi Arabia and Southeast Asia

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Selena Gomez was ashamed of her sexualized album cover

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Selena Gomez opened up about feeling sexualized after shooting an album cover that left her “ashamed”.

Gomez spoke during a panel discussion with The Hollywood Reporter where she was joined by other actresses including Amy Schumer, Bridget Everett, Molly Shannon, Quinta Brunson and Tracee Ellis Ross.

Near the end of the nearly hour-long interview, Schumer chimed in and praised the singer and actress for truly standing out throughout her career.

Related: How Selena Gomez Found a Softer Side to Life During Quarantine

Schumer pointed out that Gomez “was sexualized at such a young age” and told the Only murders in the building star, “But you just rejected that and really found your own style and your own presence, because I know they put you in a system and made you feel like that’s the way you have to do it. , and especially when you’re getting positive feedback and people are attracted to you, it takes a long time to say, ‘I’m going to go that way.'”

Gomez clearly felt seen.

(scroll down to continue reading)

“It’s really unfair,” she said. “I actually did an album cover and I was really ashamed after I did it. I had to get over those feelings because I realized it was connected to something deep going on. was going on. And it was a choice that I wasn’t necessarily happy that I made, but I think I tried my best, at least I try to be myself.”

She added, “I’m not an overly sexual person. Sometimes I like to feel sexy, but that doesn’t mean it’s for someone else, it can be for me.”

Gomez didn’t specifically reveal which album she was talking about, but Selenators quickly identified The comebackreleased in 2015, as Gomez is naked on the cover.

Related: Amy Schumer Realizes Her Mom’s Guilt, Motherhood & the Message Behind Her ‘Feel-Good’ Super Bowl Ad

The Rare Beauty makeup mogul has already spoken with Seduce in October 2020 about feeling overly sexualized in regards to her second solo studio album.

“I just did things that weren’t really me,” she admitted. “There was pressure to sound more adult on my album, The comeback. I felt the need to show my skin…I really don’t think I was that person.”

Next, check out Selena Gomez’s epic ice cream sundae recipe.

Creating smart schools against epilepsy in India

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Creating epilepsy-smart schools through teacher training has been the subject of initiatives in many countries. In India, a three-year initiative is underway under the leadership of Dr. Sulena Singh, who works at a government hospital in rural Punjab.

Here is the transcript of the episode.

Download episode

You can listen to all episodes of Sharp Waves on Spotify, Apple Podcasts, Google Podcasts, Amazon Music or the ILAE website.

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Children spend a lot of time in school, and that includes children with epilepsy. But most teachers don’t receive training on what epilepsy is, what seizures look like, or what to do if a student has a seizure.

Creating epilepsy-smart schools through teacher training has been the subject of initiatives in many countries. In India, a three-year initiative is underway under the leadership of Dr. Sulena Singh, who works at a government hospital in rural Punjab.

Dr Sulena: So when I started working here, I found a lot of kids coming to see us with epilepsy, so I thought, let’s start something related to epilepsy. I was very lucky to be guided by Gagandeep Singh. He guided me in the project. I am the principal investigator of the project and we have four other co-investigators, including Dr. Gagandeep, as well as a pediatrician, we have people from community medicine and the department of medicine.

We got it funded by the Indian Council of Medical Research in Delhi. It is a three year project. We have investigated the registers. There is a project in India, the Rashtriya Bal Swasthya Karyakram (RBSK), or National Child Health Program. This covers 21 to 30 diseases, including epilepsy. It was launched in 2013 and the aim is to screen children between the ages of 0 and 18, especially those studying in public schools. They are screened and then referred to primary care, secondary care and tertiary care if necessary. We are therefore trying to see to what extent this program covers epilepsy.

There is a mobile health team that visits every school every year. They screen all the students for any possibility of epilepsy and if they find it they give them a card and they refer them to the hospital. But there is a gap – sometimes children don’t come to school, for many reasons – logistical problems, personal problems. We screened for a year and out of approximately 60,000 students enrolled, there were only 41 children with epilepsy.

Based on prevalence estimates, there should be between 480 and 600 children with epilepsy in the registry. Even though half of these children are out of school and would be missed, there is still a big gap between the 41 students listed as having epilepsy and the actual number of students with epilepsy.

Dr Sulena: To compare these results, we conducted two other surveys. One was in the community and the other was school based. We’ve covered 10,000 children in each, and we’re trying to find out how many children have epilepsy.

The results of the screening registers and the community survey – there is a big gap between the actual children who have epilepsy and those who seek help, for treatment. Many factors contribute to this treatment gap. First, people are unaware of epilepsy. And there’s a lot of stigma – people don’t want to talk about it. Even now, when we go out for surveys, we get help from ASHA workers, volunteers from their community. They know a child is having seizures, but sometimes the parents don’t agree, they don’t come forward and say the child is having problems. And that contributes to the treatment gap.

We thought that if we educated teachers – half of childhood time is spent in school and with teachers, so if teachers are positive for this disease, they will be more open to children who have epilepsy and will support them more, and I think that will go a long way to improving epilepsy coverage.

We did a program for teachers where we did an intervention – we educated the teachers. We invited four neurologists; they gave lectures which were very interactive and on top of that at each lecture there were role plays performed by the students of the nursing, physiotherapy and speech therapy courses. In the vernacular.

It was a very interesting thing to see how they showed the different types of seizures. Second, there was a discussion of myths and misconceptions in our community about epilepsy. Third, what rescue medications are used in children during a seizure and what first aid should be given to a child with epilepsy. It was a one-day program and to assess the results we did a pre- and post-evaluation of the teachers. We get the parsed results now on this.

So we found it to be a fruitful exercise. The next day we met with a subgroup of teachers and discovered that they had sent us pictures of their morning assembly. They trained other teachers and students. We found that very inspiring for them. We thought we could do more in this effort, so now we plan to further educate teachers about epilepsy who can really make a difference in the lives of these children.

It’s amazing – it’s so awesome. How many teachers came to the event?

Dr Sulena: There were about 250 teachers.

And then they went back to their own schools and taught everyone else what you had taught them? What types of scenarios were played out?

Dr Sulena: We did a very interesting role play – we first showed that there is a classroom, a child has a seizure, and a teacher and a student take care of it – and they all do the bad things. So we show all the wrong things. Then we give a lecture on how to handle it, then another role play, but this time it’s handled the right way. This was appreciated by the teachers as they could see where they might be making mistakes.

We also trained the mobile health teams during this one-day workshop. Now we plan to see if it made a difference by looking again at the screening records for this year. When they do the screening, they have no protocol, no lists, no questions – it’s just knowledge they learned when they graduated. They are AYUSH doctors, alternative medicine doctors in India, so sometimes there is a gap in their knowledge of epilepsy. We have regular meetings with them and teach them small parts, but for the teachers, I would like to do it on a larger scale so that not just a district but the whole system is educated about it.

##

Dr. Sulena is in the Division of Neurology, Guru Gobind Singh Medical College and Hospital, Faridkot, Punjab, India.

The project is supported by an ad hoc grant (No.5/4-5/189/Neuro/2019-NCD-1) from Indian Council of Medical Research, New Delhi.

Read more about the project on the ILAE website.

This episode was reported, edited and produced by Nancy Volkers.

Contact ILAE with comments or episode ideas at [email protected]

sharp waves the content is intended for informational purposes only and not as medical or clinical advice. The International League Against Epilepsy is the world’s largest association of health professionals and scientists working for a world where no one’s life is limited by epilepsy. Visit us on Facebook, Twitterand Instagram.

Consumer and Business Debt Consolidation Market Growth 2031 – Designer Women

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How about a well-documented study on the Consolidation of consumer and business debt which includes an in-depth examination of the various models, programs and assets that could cause a paradigm shift in the rate of growth? It’s a reality. Based on the latest changes in consumer and business debt consolidation, Market Reports is the answer to all your questions! During the forecast era, the study provides a detailed overview of the most profitable opportunities around the various segments in terms of revenue and volume. By focusing on different criteria such as drivers, restraints, barriers, opportunities and assessment of the competitive environment, the study with bullseye analysis has the potential to shape the core performance of the organization.

The volatile COVID-19 pandemic has reduced revenues in a variety of industries around the world. It wreaked havoc on the economy and caused unprecedented losses. Policymakers, business players and participants in consumer and corporate debt consolidation are trying to combat the deadly pandemic of economic failure as the planet continues to grapple with the COVID-19 pandemic. Consumer and business debt consolidation stakeholders have taken commendable steps by implementing effective plans, making quick decisions and revamping the entire market framework. They are now able to sustain their businesses as a result of this.

Market Reports has been used to paint the development colors on the canvas of businesses impacted by COVID-19. With near-perfect visualization and in-depth knowledge retrieval, Market Reports provides comprehensive and informative consumer and business debt consolidation analysis. When the study is coupled with realistic implementation by stakeholders of consumer and corporate debt consolidation, they will undoubtedly light the lamp of progress.

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The research also examines the effect of many government policies around the world on consumer and business debt consolidation. The study also includes regulatory approvals and regulations specific to consumer and business debt consolidation, allowing key stakeholders to tailor their business practices accordingly. Revolutionary developments in the consumer and corporate debt consolidation industry that have the ability to alter the competitive environment are also highlighted in the study. The article becomes a knight in shining armor for major consumer and business debt consolidation stakeholders by emphasizing these aspects.

Top Key Players Included in Consolidation of consumer and business debt Market Are: Goldman Sachs, OneMain Financial, Discover Personal Loans, Lending Club, Payoff, Freedom Debt Relief, National Debt Relief, Rescue One Financial, ClearOne Advantage, New Era Debt Solutions, Pacific Debt, Accredited Debt Relief, CuraDebt Systems, Guardian Debt Relief, Dette Trading Services, Premier Debt Help, Oak View Law Group

Consumer and Business Debt Consolidation Breakdown Data by TypeCredit Card DebtStudent Loan DebtMedical BillApartment LeasesOtherConsumer and Business Debt Consolidation Breakdown Data by ApplicationCompanyConsumer

What sets Market Reports apart from the rest?

A 360 degree research mechanism is used by Market Reports. The study was developed specifically to assess the effect of COVID-19 on consumer and corporate debt consolidation. This mechanism reflects on almost every aspect in a systematic way to produce the best research report for the business stakeholders.

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Evaluate: It is a reality.

The Market Reports report analyzes every little detail that could prove to be a driving force behind the development of consumer and business debt consolidation, which makes it unique and distinct from other studies.

Visualize: Authors involved in research activities have created a visual representation of the post-COVID-19 era to help key consumer and business debt consolidation stakeholders better understand the situation and take action to ensure continued development over the forecast period.

Overcome: the study examines the points that can prove to be the Achilles heel of consumer and business debt consolidation and helps in the development of strategies to overcome the obstacles that can hinder the Personal and corporate debt consolidation progress.

Leverage: Consolidating consumer and business debt will help you take advantage of things that can help you maximize your rate of growth. It’s a reality. All the points that major stakeholders need to rely on are covered by Market Reports.

Verify: The research is done comprehensively to ensure that all parts of the study are accurate. To avoid errors and false facts, all points are carefully double-checked and validated.

Last but not least, this feature helps the major stakeholder to remove all the hurdles that are hampering the growth rate and consolidation of consumer and business debt.

Regional outlook:

At the regional level, the world Consolidation of consumer and business debt The market is segmented into North America, Europe, Asia-Pacific, Latin America, and Middle East & Africa. In addition, market data classification and region to country analysis are covered in the market research report. Additionally, regions are separated into country and region groups:

– North America (USA and Canada)

– Europe (Germany, UK, France, Italy, Spain, Russia and rest of Europe)

– Asia-Pacific (China, India, Japan, South Korea, Indonesia, Taiwan, Australia, New Zealand and rest of Asia-Pacific)

– Latin America (Brazil, Mexico and rest of Latin America)

– Middle East and Africa (GCC (Saudi Arabia, United Arab Emirates, Bahrain, Kuwait, Qatar, Oman), North Africa, South Africa and Rest of Middle East and Africa)

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How to Grill Whole Fish

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IIf I write about cooking fish, I almost always get a comment about how it smells. If I suggest moving the cooking outside to the grill, I hear friends tell sad stories of losing fillets to hot coals or ending up with overcooked and dried out food.

Enter the bacon-wrapped grilled trout of Elizabeth Karmel, grilling expert and cookbook author.

The beauty of this whole fish cooking technique is its simplicity. Cleaned fish with head, tail and tail are rubbed with a little olive oil, lightly seasoned with salt and pepper and stuffed with sprigs of fresh herbs. Then they are wrapped in thin, center-cut bacon strips (this is important, so more on that later), placed on a grill over indirect heat (see notes below for details), covered and broiled until bacon is crisp, about 15 to 20 minutes. No flipping required.

The resulting fish is moist with a delicious smoky flavor. We’ve done it several times at my house now. Last time we ate two of the hot fish off the grill. Then we deboned the rest and ate the cold smoked fish the following evening on a makeshift board with bacon, roughly chopped, alongside crackers, hummus, grape tomatoes and olives. It was delicious that way too.

I agree with Karmel, who said, “It’s crazy simple…the taste is high and complex, but it’s so easy to execute. It’s almost not like cooking. It’s like a craft project, and it looks great on the plate too.

Karmel has some advice. First, she warns that now is not the time for that thick artisan bacon. “I buy a center cut,” she said. Thinner bacon should sit for about 20 minutes until it loses its cold. This way it will easily wrap around the fish and won’t require messy toothpicks to hold it in place. The center cut is important because it is leaner. Bacon that is too greasy will shrink during cooking, leaving your fish bare in spots.

Karmel introduced me to the wrapping technique late last summer when I talked to him about tips for grilling fish. She’s a big proponent of putting things between the tricky critters and the grill. She recommends the bacon method to novice or anxious fish grillers.

“Everything I do is based on problem solving,” she said. “One of the biggest problems people have when grilling fish is that it sticks. If you use the fish basket, it sticks to the fish basket. So obviously a barrier between the grill and the fish will eliminate this blockage.

She can slip a salmon fillet over layers of herringbone lemon slices or over a soaking wet cedar plank. Unlike foil or other barriers, bacon, citrus and cedar also add flavor, she said. (If you put your fish directly on the grill, Karmel insists you oil the fish, not the grill. Don’t argue!)

For flavor, she likes trout stuffed with fresh tarragon, but encourages people to use herbs they like, like cilantro, or maybe try sliced ​​garlic and/or thin lemon wedges. .

If you can’t find trout, she recommends snapper or sea bass, and adds that keeping the head and tail on gives more flavor and helps keep the fish together while cooking.

“Any whole small fish would work with this method,” she said. “The bacon will take 15-20 minutes to cook, so anywhere between 340g and 680g should be fine. With the skin, whole herbs, and bacon, it’s very hard to overcook it because there’s so much moisture.

Karmel urges grillers to wait until the bacon is crispy before removing the fish.

If you’re using a charcoal grill, it may take a little longer for the bacon to get there, but it will, she said.

We also tested the technique in a very hot oven and found that in a conventional oven the fish got too fatty before the bacon got crispy. The technique worked best in a convection oven, but you had to turn the fish halfway through cooking. Also, we found it best to quickly broil it right at the end to crisp the bacon. So, for me, it’s back to the grill.

If you’re cooking four small, whole fish like this, you probably have room to add vegetables to the grill as well. We found the Quick Cook Sliced ​​Zucchini to be a great addition to this dish.

Grilled Bacon Wrapped Trout

If you’re worried about grilling whole fish, try this recipe. The fish is simply seasoned with olive oil, salt and pepper and stuffed with fresh herbs. It is then wrapped in center-cut hickory-smoked bacon. Bacon serves two purposes: it adds flavor, but it also keeps fish from sticking to the grates. Keeping the head and tail on the fish as it grills gives more flavor and helps keep the fish intact during cooking time, Karmel says. Karmel likes to prepare this dish with trout, but other small white-fleshed fish, such as snapper or sea bass, are also suitable.

An advice: This is not the time for big artisanal bacon. Use thin, center-cut bacon, which has less fat and won’t shrink as much when cooked. Make sure the strips are at room temperature, so they wrap easily around the fish and stay in place.

Get ahead: Fish can be oiled, seasoned with pepper, stuffed with herbs, wrapped in bacon then tightly wrapped and refrigerated up to 1 day before cooking. Do not add salt if preparing in advance as this will dry out the fish.

Storage Notes: Refrigerate up to 2 days.

Total time: 30 minutes, plus 15 to 45 minutes for setting up the gas or charcoal grill, respectively

Serves: 4

Ingredients:

4 whole trout or bass (about 450g each), gutted and cleaned (see notes below)

Olive oil

Fine salt

Freshly ground black pepper

4 to 8 sprigs of fresh tarragon, plus more for serving

12 slices center-cut hickory-smoked bacon, room temperature, plus more as needed

2 courgettes (about 560g in total)

Method:

Dry the trout. Brush each trout inside and out with olive oil and season lightly with salt and pepper. Divide the tarragon into four equal parts and place them inside the fish.

Starting with a fish’s head, just behind the eye, begin wrapping the bacon around the fish’s circumference, slightly overlapping each layer to cover the fish’s skin. Each fish should take about 3 pieces of bacon to pack; more if your fish is bigger. Stop wrapping when you reach the last inch of the tail. Repeat with the remaining fish.

Wash, cut and cut the zucchini in half lengthwise. Slice each half again lengthwise into ½ cm thick pieces, then cut each piece in half, for easy handling. Place on a plate or platter, brush with oil and season lightly with salt and pepper.

Place two clean plates near the grill. Preheat the grill for indirect cooking over medium heat (see notes below).

Place the fish in the center of the cooking grid over indirect heat and arrange the zucchini slices around the fish. Cover and grill for 10 minutes. Transfer the zucchini to a dish and cover it to keep it warm (or, if you want a really soft zucchini, turn it over and continue cooking). If necessary, turn the fish over (see notes) and continue cooking for about 10 more minutes, or until the bacon is crispy, the fish flakes and is cooked through.

Transfer the fish to a dish, sprinkle with tarragon leaves and serve as a family with the zucchini.

Remarks:

If your fish weighs more than 450g, they may need to cook a little longer and you may need an extra slice or two of bacon.

It’s best to place the fish in the center of the grates, so it has even heat left and right, and the air can move evenly around the food, like a convection oven. If the size or configuration of your grill makes this impossible, you may find that the fish browns too much on one side after the first 10 minutes. If so, move and rotate the fish so that the cooler side is closer to the heat source (hotter coals). It is not necessary to turn the fish, but you can if you wish.

To prepare your gas grill for indirect heat grilling: cover and preheat with all burners on high. When you’re ready to cook, if you’re using a three-burner grill, turn off the middle burner and reduce the heat on the other burners to medium-high. Many two-burner grills are set up for indirect heat, so you can simply place the food in the center of the cooking grate. Heat one burner to medium-high and leave the other off. The grill temperature should be around 200C.

If using a charcoal grill, fill two fire starters with charcoal, light them, and when the coals are burnt, arrange them on either side of the pan, leaving an empty space in the middle. If your grill is too small to allow for an empty spot, push embers to one side, leaving the other side empty. Replace the cooking grate and place an oven or grill thermometer on it. Cover the grill. You are aiming for a temperature between 200-230C.

If using a convection oven: We prefer this grilled fish for the smoky flavor, but it can be done in an oven with a convection setting. Line a large rimmed baking sheet with parchment paper. Place the bacon-wrapped fish on a wire rack over the baking sheet. Preheat the oven to 200°C on the convection setting. Roast the fish for 10 minutes, then flip and roast for another 10 minutes. If the bacon is not crispy enough, turn on the grill, raise the grill 10-15 cm from the grill and grill the fish for about 2 minutes on one or both sides, watching carefully that it does not burn.

Nutritional information per serving | Calories: 449; total fat: 21g; saturated fat: 4g; cholesterol: 147mg; sodium: 490mg; carbohydrates: 5g; dietary fiber: 2g; sugar: 0g; protein: 58g.

This analysis is an estimate based on the available ingredients and this preparation. It should not replace the advice of a dietitian or nutritionist.

© The Washington Post

What to do with extra funds in your Paypal account – Novinite.com

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Even though the coronavirus outbreak has taken a heavy financial toll on many, others may have found themselves with extra cash in their bank accounts. 42% of Americans say they have cut spending since the outbreak began, according to a few research surveys. Spending less and saving more may have left you with some extra cash, and you’ll need to make decisions about what to do with it.

The epidemic or any other reason may have given you an unexpected windfall, so here are six ways to use it to improve your financial situation.

Create or set up an emergency fund

A lesson of the pandemic is that the unexpected can happen and it pays to be prepared. The first thing to do with any excess cash is to set up a savings account to use for emergencies. A high-yield savings account is a good place to keep your emergency cash. You can earn a higher interest rate on your money while having immediate access to it.

Pay off high interest debt

Spending money you don’t need to save money is a smart use of your surplus. If you have a high-interest credit card or loan, paying it off may be your biggest investment. Paying off your debt may be a better investment if your interest rate is higher than what you would expect in the stock market or any other type of investment.

Put extra funds in an e-wallet

Besides online shopping, paypal is popular for betting. New betting sites are popping up all the time, and some of these new sites may also allow bettors to use PayPal to deposit and withdraw money. The number of bookmakers using PayPal will only increase in the near future, giving punters even more options. While PayPal is quickly rising to the top of the list of preferred payment methods for some bookmakers, more and more platforms are making it available. It is recommended to consult this guide on the list of the best PayPal betting sites for UK citizens to learn about the possibilities offered by this electronic wallet for betting enthusiasts.

Mobile online betting platforms can also accept PayPal deposits. PayPal, an electronic wallet service, is as quick and easy to use on a mobile device as it is on a desktop or laptop computer.

Through the use of PayPal on betting apps, players can access their funds without having to enter credit card information or verify bank transfers. The convenience of using PayPal when you’re away from your computer or desk is great for anyone who needs to make a deposit or place a quick bet.

Start funding an IRA

A standard or Roth Individual Retirement Account (IRA) may be an option for those who don’t have a 401(k) or who have already contributed enough to qualify for the matching contribution from their employer. Individual Retirement Accounts (IRAs) are not investments in the traditional sense; rather, they are tax-advantaged savings accounts that can be used to make investment purchases. A Roth IRA allows you to receive tax-free eligible distributions in retirement, meaning you don’t have to pay taxes on your investment returns.

You can start investing in an IRA through an online brokerage as soon as you have it funded. It is generally recommended to invest in diversified funds, such as mutual funds. If one company is not successful, your wallet is protected by the other companies in which you have invested your money.

Contribution limits apply to both regular IRAs and Roth IRAs, so you can only make a set amount of contributions each year. Contributions to an Individual Retirement Account (IRA) will be capped in 2022 at 000,000 (000 if you are over 50). Who can contribute to an IRA is also limited with IRAs. In order to contribute to a traditional or Roth IRA, you must have taxable income, and only if your modified adjusted gross income falls below a particular threshold can you do so.

You can start an IRA with a robo-advisor if you don’t want to choose your own investments. To build and manage an investment portfolio for you, robo-advisors typically charge between 0.25% and 0.50% of your assets under management.

Save for your other financial goals

Half of non-retired Americans believe the economic effects of the coronavirus pandemic will make it harder for them to reach their financial goals, according to the Pew Research Center.

Take the time to think about what you want your money to do for you after you retire. Investing in real estate or starting a college fund for your children are two good reasons to save for a down payment. In most cases, long-term financial goals require you to invest at least a percentage of your savings. A no-loss savings account is a good place to save money for short-term goals.

Explore other investment options

If you’ve made long-term investments, you might want to start expanding your financial horizons.

Any business that you are passionate about and that you are sure will do well in the future could be a good thing to look for if you are trying to buy individual stocks on the open market. Consider investing in real estate investment trusts (REITs) if you are passionate about real estate. Income-producing real estate is at the heart of REITs. You can acquire REITs through an IRA or a taxable brokerage account because many of them trade on exchanges.

Sustainable ESG investing can help you invest your money in issues that matter to you. If you’re curious about the ever-changing world of alternative investments, you might want to check out cryptocurrencies.

A modest proportion of your portfolio should be devoted to these types of assets, which are more attractive than your other investments but involve a higher degree of risk, such as mutual funds.

IMF Staff Concludes 2022 Article IV Mission to Thailand

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IMF Staff Concludes 2022 Article IV Mission to Thailand







June 13, 2022







End-of-mission press releases include statements from IMF staff conveying preliminary findings after a country visit. The views expressed in this statement are those of IMF staff and do not necessarily represent the views of the IMF Executive Board. Based on the preliminary findings of this mission, staff will prepare a report which, subject to management approval, will be presented to the IMF Executive Board for discussion and decision.





  • Thailand’s economy continues to recover from the COVID-19 pandemic, supported by a comprehensive policy package and an accelerated vaccination program. Real GDP grew by 1.5% in 2021 and is expected to grow by around 3% in 2022. The recovery, however, is uneven across sectors, with the economy still operating below potential, while inflation increases due to energy prices. The outlook is very uncertain and full of risks.
  • The gradual reduction in political support for the pandemic planned by the authorities is broadly appropriate, while the remaining programs should be targeted to protect hard-hit and vulnerable segments of the population. Timely and data-driven normalization of the monetary policy stance is necessary to control inflation.
  • Comprehensive structural reforms remain a priority to address long-standing structural challenges, minimize the scars of the pandemic, improve social outcomes, and build economic resilience. To support the structural reform agenda, staff recommends gradual fiscal consolidation underpinned by increased revenue mobilization to rebuild fiscal buffers.





Washington D.C.:
The International Monetary Fund (IMF) team, led by Ms. Corinne Deléchat, held the 2022 Article IV consultation with Thailand between May 17 and June 10, 2022. Following the discussions, Ms. Deléchat made the following statement:

Thailand’s economy is gradually recovering from the COVID-19-induced slowdown, with real GDP growth reaching 1.5% in 2021 and 2.2% (year-on-year) in the first quarter of 2022. The multiple waves of the pandemic in 2021 brought additional containment measures, hampering reopening efforts, and weighing on tourism and growth. The authorities’ judicious use of vast economic reserves, combined with an accelerated deployment of the vaccine, helped maintain economic stability and protect households, businesses and the financial system during the pandemic. With over 75% of the population fully immunized, the government has gradually eased travel restrictions. »

“The recovery is expected to continue, but the outlook is clouded by the lingering effects of the pandemic and rising global commodity prices. Growth is expected to reach around 3% in 2022, driven by the recovery in domestic and external demand, and to strengthen further to reach 4.3% in 2023. The recovery is likely to be uneven, with some hard hit sectors such as tourism and transport being expected. to recover at a slower pace.

Headline inflation is expected to average 6.1% in 2022, driven by high energy prices, well above the Bank of Thailand’s upper 3% target range.

“In the short term, policy support should be nimble and increasingly targeted, with a focus on strengthening the recovery, protecting vulnerable segments of the population, and minimizing the economic scars of the pandemic.

“The current accommodative monetary policy stance remains broadly appropriate given the supply-side nature of inflation, well-anchored inflation expectations and a significant economic slowdown. Nonetheless, price risks energy costs and the pass-through of rising production costs to consumers have increased significantly and may require an earlier start to standardization.

“A close and continued monitoring of inflation developments is warranted, and clear communication from the Bank of Thailand on a data-dependent normalization path is welcome. Exchange rate flexibility should be the first line of defense against capital flow volatility The envisaged fiscal consolidation in FY2022 is broadly appropriate given the extraordinary pandemic-induced fiscal expansion in FY2020-21.

“While staff welcomes the authorities’ plans to phase out broad-based energy subsidies, targeted support to vulnerable groups would help mitigate the impact of the rising cost of living. For the medium term, the mission recommends a more gradual but growth-oriented consolidation strategy by prioritizing spending on productivity-enhancing investments in education, ICT, resilient green infrastructure and the extension of social protection coverage. Improved revenue mobilization would help fund priority spending while supporting efforts to rebuild buffers.

“Given that support measures for the financial sector have become more targeted and are expected to be phased out as the economy recovers, risks to financial stability need to be closely monitored. In particular, the high stock of private debt remains an important source of financial sector vulnerability. The authorities should accelerate ongoing efforts to facilitate private debt restructurings, particularly for household debt, and conduct timely asset quality reviews to identify non-viable borrowers. Complementary measures, such as lower debt thresholds, stricter lending standards based on comprehensive credit information systems and a generalized debt service-to-income ratio, could help prevent excessive accumulation of the debt. Staff welcomes the Bank of Thailand’s work on strengthening risk analysis, including stress testing, and expanding surveillance to all relevant segments of the financial sector.

“Mutually reinforcing structural reforms are needed to limit the economic scars of the pandemic, strengthen the resilience of the economy, improve competitiveness and promote inclusion. The pandemic has had a profound impact on the labor market, particularly in contact-intensive sectors, and coordinated skills-building efforts will be essential to meet the needs of the post-pandemic economy and reverse the downward trend. decline in labor productivity. At the same time, modernizing physical and ICT infrastructure will be key to harnessing the benefits of a growing digital and green economy, boosting productivity and economic resilience, and improving social outcomes.

“The IMF team exchanged views on recent economic developments and prospects with government officials, the Bank of Thailand, other public institutions, and private sector representatives. The team would like to thank the authorities and other interlocutors in Bangkok for the fruitful discussions. The IMF Executive Board is tentatively expected to discuss the staff report in August 2022.”


IMF Communications Department
MEDIA RELATIONS

PRESS OFFICER: Brian Walker

Call: +1 202 623-7100E-mail: [email protected]

@IMF Spokesperson




Symrise scrambles chromatographic analyzes to protect their fragrances

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Until now, perfumers had little other solution than secrecy to protect their creations, which are not covered by intellectual property laws. However, this protection had become quite illusory in the face of the growing improvement in analysis technologies, in particular gas chromatography, which make it possible to quickly display the chemical composition of a formula.

Indeed, the creation of an original perfume is a long and meticulous process that requires different skills, a lot of time, and many tests. The process is expensive and counterfeiters – quite numerous in the luxury industry – avoid such colossal investments by pirating the work of the original creators. As a result, perfumes and cosmetics are among the most counterfeited products in the world! At European level, seizures of counterfeit perfumes and cosmetics represent nearly 10 billion euros, or nearly 10% of the cosmetics market. [1].

A colorless and odorless base

To protect the creative work of its perfumers and the investment of its customers, Symrise initiated in 2018 a program to protect perfumed formulas in blur the results of analyzes by gas chromatography regarding fragrance ingredients.

Developed by the Symrise R&D team in consultation with its perfumers, this technology is based on an innovative, colorless and odorless universal base, which helps to protect the originality of the perfume in which it is used. It contains a mixture of specific raw materials, with excellent UV resistance and excellent temperature stability, which induce a wide range of interferences during analysis by gas chromatography. By blurring the quantification and identification of certain raw materials contained in the perfume formula, the base makes it much more difficult to reproduce a specific fragrance identically.

Already tested in 45 formulas

Finalized in 2019, Cryptosym technology has already been applied to 45 formulas developed by Symrise for different olfactory families.

The chromatographic analyzes showed that out of 133 natural and synthetic ingredients tested, the technology induces a variation in the analysis results for 118 of them: 93 being difficult to quantify, 25 being difficult to identify.

Overall, according to Symrise, 40% of the raw materials tested were affected by Cryptosym and 29% of them were completely “encrypted” by the technology.

Cryptosym is a revolution in the sector because until then nothing had yet been developed to protect the intellectual property of the perfumer’s creativity.“, highlighted Aliénor Massenet, senior perfumer at Symrise. “With Cryptosym, copying a perfume is now more difficult, the process is much longer and without any guarantee of finding that little extra that makes all the difference between success and simple reproduction.

To date, Symrise is continuing its research to collect additional data but is already offering the technology as an option to its customers.

17 Foods High in Vitamin B Complex

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Although vitamins B6 and B12 act as the most popular members of the B vitamin family, eight in total play a vital role in your overall health. Specifically, these vitamins include:

  • Vitamin B1 or thiamine: develops healthy and functional cells.
  • Vitamin B2 or riboflavin: A key element in the production of energy.
  • Vitamin B3 or niacin: Helps convert nutrients into energy.
  • Vitamin B5 or pantothenic acid: assists enzymes as they build and break down fatty acids.
  • Vitamin B6 or pyridoxine: A coenzyme that supports immunity and maintains healthy brain function.
  • Vitamin B7 or Biotin: Helps in hair growth and healthy eyes, skin and nails.
  • Vitamin B9 or folate: Generates healthy red blood cells.
  • Vitamin B12, or cobalamin: Helps form healthy red blood cells and DNA and brain and nerve cells.

These eight essential vitamins should be included in a balanced diet.

What are the benefits of vitamin B?

1. Healthy skin, hair, nails and eyes

As we age, biotin helps regenerate cells. This regeneration renews the growth of skin, hair and nails. Biotin also helps adults avoid brittle nails that break or tear easily. Riboflavin, a key component in energy production, also improves vision and keeps skin healthy.

2. Quality immune system

For your immune system to do its job and fight infections, it needs oxygen. This comes from a steady supply of red blood cells. Vitamin B12 makes this possible, and without it you can put yourself at risk of illness and disease because your immune system is not equipped to fight effectively.

3. Energy

B vitamins trigger more energy than caffeine and help maintain healthy energy levels all the time. You also need it to support brain function and cellular metabolism. This helps you complete tasks, stay alert, and maintain appropriate physical activity as you age.

4. Healthy Digestion

Your digestive tract benefits from the way niacin and pantothenic acid produce needed gastric juices. In addition to secreting bile, this is how your body breaks down and digests fat. Biotin also plays a key role in the breakdown of carbohydrates and proteins.

17 Foods Rich in Vitamin B

1. Leafy green vegetables

Raw or cooked spinach is rich in vitamin B and is easy to add to many dishes, such as eggs, salads and smoothies. You can also use spinach as an accompaniment to meat, chicken or fish. Replace green cabbage and turnip greens with garlic and spices for added flavor.

2. Salmon

Salmon, at least twice a week, is an easy way to meet vitamin B needs. As an appetizer or adding salmon to eggs (as lox), bagels, salads or burgers, this versatile fish provides a delicious variety to your menu or diet.

Deep-Fried Salmon in Garlic Butter with Green Beans and Lemon

3 eggs

Eggs provide many necessary nutrients without containing extra calories. A single egg contains 13 essential vitamins and minerals, in addition to being an excellent source of protein. Some ways to keep it interesting include poached, scrambled, or devilish varieties. Omelets allow you to add fresh vegetables to your breakfast dish. Sinking eggs also contain a lot of iron.

4. Milk

Milk alone can be an excellent source of B vitamins. This includes whole or skim. If you’re vegan, you can substitute vitamin-enriched almond, coconut, oats, or soy to meet your daily needs. Milk-based foods also count. For example, add cheese, sour cream or cottage cheese as tasty, B-rich additions to any meal.

5. Liver

Organ meats aren’t for everyone, but those who love them can get a variety of B vitamins from these choices. Beef, lamb, chicken and pork organs are equally beneficial.

6. Shells

Add variety to your meals by choosing oysters, mussels or clams. These menu items are particularly rich in vitamin B12 and riboflavin.

7. Lean beef

Lean beef can easily add thiamin, riboflavin, niacin, vitamin B6, and vitamin B12 to your meals. Serve as an appetizer or added ingredient in tacos, burgers, chili or pasta dishes. The possibilities are limitless.

8. Beans and lentils

Three bowls of lentils of different colors

Legumes include beans or lentils and are also high in protein for people who don’t eat meat or fish. Add legumes to your soups, fry them for enchiladas, or store them whole and uncooked in salads or rice bowls.

9. Poultry

Turkey and chicken are good sources of important B vitamins. For double the amount, choose a light-meat turkey, but you’ll get nearly six times the B vitamin if you like dark meat.

10. Yogurt

Yogurt made from skim or whole milk is an excellent source of these vitamins. You can eat it plain with whole berries on the side or add yogurt for a creamier smoothie. Frozen yogurt is also a lower calorie alternative to ice cream for a tasty and beneficial treat.

11. Whole grains

Choose whole grains that have not been processed to benefit from essential nutrients and vitamins. For example, whole-grain pasta is increasingly available, or you can replace it with brown rice and barley.

12. Breakfast cereals

Breakfast cereals, especially those made with bran, are naturally rich in vitamins and fortified with a few extras. For example, if you use milk and dark berries, you’ll get almost everything you need for the day before it even begins.

13. Seeds

Hemp, flax, sesame and sunflower seeds provide healthy plant sources of pantothenic acid. Sprinkle them on salads, eat them plain with just a little salt, or spread butter made from these seeds on whole-grain bread.

14. Nuts

Peanuts, almonds and walnuts add biotin to your diet in a tasty way. Peanut or almond butter makes smoothies and celery delicious. Nuts mixed with apples or as a salad topping add biotin and protein.

15. Lawyers

A sliced ​​avocado and a whole avocado with a knife on a wooden cutting board

Avocados are packed with many nutrients, including vitamin B6 and folate. Add them to rice bowls, salads, tacos or toast.

16. Oatmeal

Oats offer a delicious, healthy option of whole grains and lots of B vitamins. Eat warmed oats with milk, honey and raisins. Or you can add oats to smoothies or cookies for an added benefit.

17. Nutritional yeast

Unenriched yeast already contains natural B vitamins, minus B12. If you buy fortified nutritional yeast, you can benefit from synthetic B vitamins, including B12. Vegans add it to dishes to replace cheese. It’s also a tasty way to flavor popcorn, casseroles and salads.

The essential

Getting enough B vitamins is important, especially if you’re over 65 or taking certain medications. Strict vegans and anyone recovering from bowel removal surgery should make sure they get enough vitamin B nutrients.

You may be at risk for vitamin B deficiency if you:

  • Feeling constantly tired
  • Experience blurry vision
  • Suffer from drastic mood swings
  • Become paler than usual
  • have sallow skin
  • Tingling sensation in the feet or hands

Don’t ignore these symptoms. Vitamin B deficiencies can lead to anemia or nerve damage, so be sure to see a doctor and add healthy foods rich in vitamin B to your diet right away.

Editors’ Recommendations






Top tips for building the career of your dreams

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It can be difficult to define your dream career, let alone pursue it – the path can be strewn with pitfalls and doubts.

Just ask Glow Recipe co-CEOs Christine Chang and Sarah Lee. The duo left their jobs as global marketing managers at L’Oréal in 2014 to pursue an even bigger dream: to launch their own skincare brand inspired by their Korean heritage and K-beauty trends.

Chang and Lee pooled $50,000 in savings to start Glow Recipe and ran it as a two-person business until they could afford to hire more employees. While that meant spending late nights packing shipments and testing products, the early days of Glow Recipe also taught them invaluable lessons on how to build a successful business and career.

Now, Glow Recipe is one of the hottest brands in skincare, closing 2021 with estimated sales of $100 million and counting celebrities like Lizzo and Lili Reinhart as fans.

Chang and Lee sat down with CNBC Make It and shared their top tips for landing — and winning — your dream job.

“Always think two or three steps ahead”

It’s easy to get caught up in the daily grind of work, but no matter what stage you’re at in your career, you should always have a clear goal of what you want to accomplish, says Lee.

A human resources director at L’Oréal Paris gave Lee this advice early in his career, and he’s followed it ever since: “Always think two or three steps ahead, not just your immediate next step. ”

Once you have a clear vision of what you want your career to look like, start planning what it would take to get there.

“Have an end vision in mind and work towards it,” says Lee. “It helps to break it down into more manageable goals and then plan the small steps to get there.”

“Never Do It Alone”

Chang can attest to the importance of a support system in pursuing your dreams: his includes Lee and a tight-knit group of other startup co-founders the duo have befriended over the course of their trip.

Although Chang calls herself “very independent” and “sometimes finds it difficult to ask for help”, she quickly learned the importance of having supportive, non-judgmental colleagues and mentors in her corner after starting Glow. Recipe.

“Being able to share your insights, your wins and your failures, and honest conversations about running a business has been an incredible source of mental support,” she says. “It’s okay to ask for help…never do it alone!”

To follow Chang’s advice, reach out to people who have embarked on a similar path to yours or who have your dream job, and ask for their professional advice and guidance on your unique situation.

She adds, “You constantly want to think about how to build a community of people who can support you and who you can help in return.”

Check:

How the Glow Recipe co-CEOs turned their friendship and $50,000 into a $100 million business

At 25, SuChin Pak became MTV’s first Asian American news correspondent – ​​here’s her best career advice

The reasons behind the $3.2 trillion gender investment gap and how to close it

Register now: Be smarter about your money and your career with our weekly newsletter

Fresh Tracks: Jon Martin makes a strong impression with his new album

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Content of the article

Jon Martin – This Could Be Our Year

Jon Martin is a new face on the Edmonton music scene, having moved here from Lethbridge last year, but his music arrives heavily steeped in nostalgia.

This Could Be Our Year is his latest release, stemming from the turmoil the pandemic has torn through our lives. Martin was forced to scuttle a tour his alternate country band Jon Martin and Lovers had been plotting, redirecting his energy to creating This Could Be Our Year.

The sound Martin creates on the album is reminiscent of the radio-friendly brand of alternative rock popular on radio in the early 2000s – think early Pete Yorn and Ryan Adams; solid songs that draw on the roots of classic rock but in a contemporary setting.

Content of the article

We apologize, but this video failed to load.

A wrist injury in 2019 forced Martin to put the guitar down and learn to play the piano, ultimately spurring This Could Be Our Year’s nine songs. Recorded with musicians around the world (a drummer from Denver, Colorado, a bassist in New York, a pianist Rhodes from Manchester and a Brazilian flautist feature on many songs), Martin, also listed as a multi-instrumentalist and songwriter, puts lyrics to the conduct of the music.

Kicking off with the climax of the single and album, Simple Things finds Martin squarely in singer-songwriter mode, reminiscing about unsent letters, his soaring voice backed by an anchoring piano and superb noodles. of guitar.

Not all that could be our year is meat and Americana potatoes; the strings help elevate the Holding on for Summer tracks and the title track, and the flute adds welcome color to Sleepwalking. Lesson of the Heart is an outlier with its raspy vocals and grungy guitars. The Edmonton music community should easily welcome Martin based on the solid songs found on This Could Be Our Year.

Listen to This Could Be Our Year on Spotify.

[email protected]

twitter.com/northsidechad

To destroy industry and restore nature, all you need is a cute bear with a big ax

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The natural world is under siege by a megacorporation named Evil Works – really, shareholders should have been warned by the name – and the only thing standing in the way of all the industrial pollution pouring into the woods is a bear named Jack.

Jack, fortunately, has the help of his friends in the woods. Perhaps more importantly, Jack has a really big axe. To keep his rivers clean and his forest healthy, Jack will destroy the eternal hell. Machines, equipment, vehicles, factories – everything that has been made by man must be destroyed to restore the balance of nature.

It seems incredibly cathartic to wield an ax over harmful industrial machinery, but Lumbearjack isn’t just a bunch of mindless breakers. There are also puzzles to solve to save other woodland creatures from the threat of pollution and industrialization. And as destructive as Jack is, he’s not as wasteful as humans. You can recycle items you crush to improve your bear’s chopping powers. There are a bunch of cute outfits you can unlock to keep Jack in style, as he smashes and smashes through factories encroaching on his turf.

Check out the new Lumbearjack trailer above, but you don’t have to stop there. Lumbearjack just released on Steam (opens in a new tab)so you can smash right now.

Government focuses on fiscal consolidation and relieves the masses: Miftah

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Finance Minister Miftah Ismail said on Saturday that the aim of next year’s budget was fiscal consolidation and relief for the masses, a day after the government presented an inflationary budget of 9 .5 trillion rupees to achieve ambitious goals.

The new budget for fiscal year 2022-23 brings comfort to the working class whose tax burden has been significantly eased in addition to a 15% increase in wages for inflation-hit government employees.

The finance minister said the country was going through “very difficult” and unprecedented times. The minister, speaking to the media alongside State Minister Ayesha Ghous Pasha and Information Minister Marriyum Aurangzeb, said the government understands that these are difficult times and “we have tried to reduce the burden of the poor and take more from the rich”.

Referring to the budget presented a day earlier, Miftah argued that the government has tried to tighten fiscal policy and reduce the overall deficit. He said taxes have been increased for Pakistani citizens who own overseas assets as well as new property taxes.

Elaborating further, he said the budget for the Benazir Income Support Program (BISP) had been increased by 35-40%. He added that flour, sugar and ghee will be supplied at discounted rates from utility stores throughout the year. The finance minister also said that the government has taken tough decisions with the interest of the country in mind.

The finance minister added that the International Monetary Fund (IMF) wanted higher tax rates, but the government tried to reduce the tax.

Referring to the tax collection target, he said that more than Rs 700 billion had been set for the next fiscal year, while the non-tax revenue target was set at Rs 2 trillion and that debt service was estimated at 3,950 billion rupees.

Referring to the surge in palm oil prices in the international market, Miftah said that a Rs 20 billion package had been granted to promote the cultivation of oilseeds and added that special emphasis was on boosting exports, expressing confidence that exports will hit $35. billion dollars in the next fiscal year.

In response to a question regarding the feasibility of inflation and growth targets, Miftah said “we have growth and inflation targets, but our first priority is fiscal consolidation and reducing the burden on the masses.”

Responding to another question regarding a revised price by the National Finance Commission (NFC), Miftah said the commission needs to sit and discuss a new price. “KP’s population has grown since FATA’s incorporation and their allocation should reflect that.”

State Minister Ayesha Ghous Pasha told the press conference that the incumbent government had inherited a “difficult situation”, but the country needed to focus on growth.

She added that the government has regulated and subsidized the prices of wheat, sugar and ghee and the government has also relieved the farmers.

Budget for FY23

The government has proposed Rs740 billion in new taxes, including Rs440 billion in tax measures proposed by the Federal Board of Revenue. Some of the major relief measures will be offset by increased oil price rates due to a levy of Rs 50 per liter as well as a 17% sales tax.

While unveiling the coalition government’s first budget in an unusually calm atmosphere, Miftah attempted to tax the sacred cows – the real estate sector, the wealthiest people while making it easier for commercial banks to cough up the money earned.

The tax burden on the registration of luxury cars over 1,600 cc has been doubled while the rates on sales, purchases and gains made on properties have been significantly increased.

No measures have been announced to reduce the current account deficit or imports while the Minister of Finance sets the current account deficit target at only 2.2% of gross domestic product (GDP).

The coalition government gave in to the IMF’s demand to post a primary fiscal surplus, setting it at 152 billion rupees by planning fiscal consolidation of almost 1.8 trillion rupees or 2.2% of GDP over the course of the year. next exercise. This is the steepest consolidation proposed in an election year amid growing political uncertainty and difficult negotiations with the IMF.

Talks with the IMF have so far remained inconclusive and it could take some time after the finance minister announced some moves against the global lender’s wishes.

While setting the inflation target at 11.5%, Miftah said the total size of the 2022-2023 budget will be 9.5 trillion rupees, an increase of only 4.6%, making the forecast unrealistic expenses from day one. It will be very difficult for the government to virtually freeze spending in the next fiscal year when there will be a significant increase in the cost of living.

Rising prices for electricity, gas and petroleum products would also increase the cost of the military and civilian government, which was not really reflected in the budget figures offered by the Minister of Finance.

The gross revenue target has been set at 9 trillion rupees, 23% more than the government wants to achieve through a combination of tax and non-tax measures, including the oil tax on petrol and diesel at great speed.

A major challenge the finance minister has set himself is to deliver a primary budget surplus of Rs152 billion, especially as provincial governments have announced big development budgets that leave little room for cash surpluses of Rs800 billion. of four federated units, as he budgeted. .

The finance minister said the government will focus on agriculture, improving productivity and promoting exports in the next budget.

Much of the new budget – the 5.45 trillion rupees, or almost 58% of the budget – will be spent on just two heads – debt servicing and defence. There is an alarming increase of more than 806 billion rupees, a 26% increase in the cost of servicing debt in just one year. During the outgoing budget year, the share of these two components represented half of the total budget. The share of defense services remained constant but debt service got out of hand.

Domestic debt service will consume nearly 3.5 trillion rupees while another 511 billion rupees will be spent on external debt service. The average interest rate over the next fiscal year is estimated at 14%, which would take away what the government will earn in additional revenue.

Although the government is aiming for a primary budget surplus target of 152 trillion rupees, the Ministry of Finance will still borrow 4.6 trillion rupees to run its operations, thanks to the debt service cost of almost 3.95 trillion rupees in the financial year 2022-23. This will be the highest debt service cost ever recorded in Pakistan’s history.

The steeper adjustment of 1.75 trillion rupees or equal to 2.2% of GDP will be difficult in an election year and the risks of slippages will remain high.

The size of the Rs 9.5 trillion budget is nearly Rs 418 billion or 4.6% larger than this year’s revised budget of over Rs 9 trillion. There was an 11% increase in expenditure from the initial budget of Rs 8.5 trillion, which has now become redundant.

Current spending is expected to increase by just 3% to Rs 8.7 trillion from revised estimates.

The government has drastically cut subsidies estimated at Rs 699 billion in the next fiscal year.

These are down 815 billion rupees or 54% from this year’s revised estimates. The cost of pensions is Rs530 billion and the functioning of the civil government will consume only Rs550 billion. The cost of Rs 550 billion seems low due to the increased cost of utilities under the IMF program.

The government has proposed 727 billion rupees for the public sector development program for the next fiscal year, although Planning Minister Ahsan Iqbal unveiled the 800 billion rupees draft PSDP. The government has set the budget deficit target at 4.9% of the total size of the economy, or 3.8 trillion rupees.

But the main challenge for the finance minister will be arranging a record $41 billion in foreign loans over the next fiscal year to stay afloat. “Pakistan will have to repay $21 billion in foreign loans, it will need another $12 billion for financing the current account deficit and another $8 billion to increase foreign exchange reserves to $18 billion,” said the Minister of Finance.

Gross receipts are estimated at 9 trillion rupees for the next financial year, an increase of almost a quarter or 1.7 trillion rupees. The provinces will receive 4.1 trillion rupees as their share, leaving the federal government net revenue of 4.9 trillion rupees. Federal government net income is expected to be 600 billion rupees less than defense spending and debt servicing.

The Best Fitness Gifts for Father’s Day in 2022 – SI Showcase

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Father’s Day is June 19 and it will be here before you know it. If you’re sweating over what to offer the dad who seems to have it all, fear not; This Father’s Day gift guide has something for everyone, from the golf enthusiast to the marathon runner. Many of the items on this list even have great Father’s Day deals right now. So without further ado, here’s our roundup of the best Father’s Day gifts of 2022.

Mesh golf bag

You might not be able to help your dad improve his swing, but you can update his golf equipment with

a personalized Stitch golf bag. Stitch offers a range of shopping cart and trolley bags made from high quality material that looks and feels like synthetic leather. The material is waterproof and stain resistant. Each golf bag features gunmetal hardware and finishes, and its signature ingot can be personalized with your dad’s initials for $10. All US orders over $200 ship free.

STITCH Golf Bags (stitchgolf.com)

Yeti Glasses

Whether it’s a cup of coffee to start the day or a cool drink while sweating it out in the summer sun, this Yeti tumbler is the gift that never fails. Currently, Yeti offers free text and monograms on qualifying lenses. So choose and customize the tumbler, jug or travel mug and give him reliable Yeti glasses to take with him on his next adventure.

Yeti Glasses (yeti.com)

TRX suspension trainer

Help your dad stay in shape and save money with the TRX suspension trainers. TRX suspension trainers are designed by professional athletes, trainer approved, and ready to give your dad some resistance training in the privacy of his own home.

TRX Suspension Trainers (trxtraining.com)

reebok float

Add style and spring to your father’s step. Get up to 30% off select Reebok styles ranging from casual fashion to cross-training. Whether he’s walking around town or jumping on the treadmill, he’ll be more comfortable and fashionable.

Reebok Shoes (reebok.com)

Smart home gym mirror

The largest collection of workouts available on demand, packaged in a slim mirror. The Mirror Home Gym will have your dad jumping, pumping and sweating through organized workouts, daily live classes and even personalized workouts. Along the way, it can track performance metrics like real-time heart rate. And if you pair the $200 off this deal with free shipping and installation, you’re saving $400 on a gift any fitness dad would love.

Mirror (mirror.co)

Yeti dog bowl

Sometimes the best gift for your dad is one that’s more of a little something for his best friend. Yeti’s free text and monograms promotion also extends to its selection of dog bowls. Like all other Yeti glasses, these bowls are easy to clean, durable and convenient to use at home or take on the road.

Yeti dog bowls (yeti.com)

Future application

For the dad who loves fitness and knows there’s an app for everything, prove it right with the Future Virtual Personal Training app. Designed for the Apple smartphone and Apple Watch, the Future Workout app offers personalized, one-on-one fitness instruction from a certified trainer that your dad can choose from. Responsibility will always be at hand.

Future (future.co)

Lululemon Power Stride Tab Socks

The Lululemon Power Stride Tab Socks will keep your dad’s feet comfortable and dry whether he’s working, walking, sweating or relaxing. He’ll have just the right amount of stretch, a snug fit that conforms to his foot, and full arch support that will help keep aches and pains at bay.

Lululemon Power Stride Tab Socks (lululemon.com)

Rogue Aluminum Collars

With Rogue USA Aluminum Locking Dumbbell Collars, your dad will lift with confidence. Crafted from aircraft-grade aluminum and made in the USA, these collars are designed to be an easy addition to the barbell with a nylon locking lever. They are very durable and your dad will definitely appreciate their stability and scratch resistant design.

Rogue USA Aluminum Collars (roguefitness.com)

Titan wall pull-up bar

The Titan wall-mounted pull-up bar will take your dad’s home gym to a whole new level. Its 11-gauge steel construction provides stability and support, with a weight capacity of 500 pounds. Your dad will do a wide range of strength exercises on a 53 inch bar that will stay solid and never move.

Titan wall pull-up bar (titan.fitness)

nordic track 1750

The NordicTrack 1750 is a gym-grade treadmill designed for the home. It has a 14-inch screen and includes a free 30-day iFIT Family Membership, giving your dad access to iFIT’s vast library of on-demand workouts and live classes. It sits low to the ground compared to its predecessors for easy access, and its 3.5 continuous horsepower (CHP) motor is powerful yet quiet.

NordicTrack 1750 commercial treadmill (nordictrack.com)

Theragun Prime

The Theragun Prime offers powerful deep tissue relief in a simple, user-friendly design. With its percussive therapy and adjustable speed, your dad can release tightness, stiffness and tension in no time.

Theragun Prime (therabody.com)

Oops 4.0

Let your dad track virtually all of his health metrics, from blood oxygen and heart rate to steps, calories, and even skin temperature. The Whoop 4.0 Health Tracker is a slim, screenless wearable wristband that collects continuous health data and is built to withstand the rigors of everyday life.

Whoop 4.0 Wearable Health Tracker (whoop.com)

Nike Metcon 7

Does your dad do a bit of everything fitness-wise? The Nike Metcon 7 Cross-Training Shoe is designed with the stability of a flat outsole for strength training (with a rubber construction for grip), a cushioned midsole for cardio and a firm heel to keep your feet up. balance during box jumps and deadlifts. Whatever exercise routine your dad chooses, this shoe more than likely provides the support he’ll need to do it safely.

Nike Metcon 7 (amazon.com)

Reebok UBF Backpack

If your dad is constantly on the move and likes to be ready for anything, from working out to pounding on his laptop, the Reebok UBF (Extra-Large) Backpack has plenty of room for him. Thanks to its well-placed compartments and easy-to-reach pockets, it can carry everything it needs and always keep it close at hand. The Reebok UBF backpack is made from recycled materials and features a laptop sleeve, wet compartments and a sternum strap with buckle closure and webbing loops.

Reebok UBF Backpack (reebok.com)

Prices are correct and items in stock at time of publication.

People on TikTok are doing ‘healthy coke’ and it’s absolutely despicable

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June 10, 2022, 5:20 PM

Sorry but that is FALSE.

People on TikTok are doing “healthy coke” and it’s as gross as it sounds.

Now, we all know that TikTok is the place for viral challenges and beauty tips, but it’s also the platform for finding the tastiest recipes. Remember when feta pasta had the internet in a chokehold? Or how about not being able to escape a video of someone eating rice, salmon and nori thanks to Emily Mariko’s viral recipe?

Well, now the hottest drink in town is apparently healthy coke. As you know, regular coke is full of sugar. According to the Coca-Cola website, there are 39 grams of sugar in a 12 oz can of Coca-Cola. However, the sugar content of Healthy Coke is much less.

And what’s in a healthy coke, I hear you cry? Well, the cursed concoction is made with balsamic vinegar and any type of sparkling water. Just take a glass, add a few drops of balsamic vinegar, fill the glass with sparkling water and voila, you have a healthy coke.

READ MORE: Passport Makeup Trend Is Going Viral For Giving You A ‘Perfect’ Photo

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A “healthy coke” recipe has gone viral and it’s disgusting.

Photo: @mandyvjones via Instagram, Getty Images


Apparently it tastes exactly the same as the real thing. The cursed drink appears to have been sparked by Amanda Jones’ TikTok video. Amanda pinched the recipe from her pilates instructor.

“It’s a healthy alternative to coke and I’m not kidding, it tastes like a coke. And you’re going to think I’m crazy,” Amanda said.

Amanda then pours a generous drizzle of balsamic vinegar into an ice-filled glass, before filling the rest of the cup with La Croix guava sparkling water. “It tastes like a coke and it’s healthy and it’s good for your health,” she said, swallowing it.

People are now making healthy coke to see if it really tastes like the real thing.

If you’re worried about your sugar intake and want to try a “healthy” version of Coke, you can do the unthinkable and… just buy Diet Coke or Coke Zero. The same taste of coke and absolutely no vinegar.

Want to try a healthy coke? Tweet us @popbuzz and let us know!

Covering the gap between big banks and private banks – RIDE Capital interview

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With the growing popularity of fintechs, Christine Kieferfounder of digital private banking RIDECapitaloffers insight into the way forward for banks, fintechs and their users.

What is RIDE Capital for those who don’t know it yet?

RIDE is a digital private bank offering services such as tax structuring, tax advice, a free business bank account and investments in alternative assets.

My co-founder Felix Schulte and I came up with the idea for RIDE while working on real estate projects in Berlin. Our friends, acquaintances and business partners wanted to participate and had a bit more capital to invest. Along the way, we realized that many private investors are unfamiliar with holding structures, which could help structure their stocks and save on taxes.

While the creation of holding structures is a common procedure in the private management sector and in the startup economy, the concept is not familiar to private investors. We believe that such concepts should be accessible to many more people, which is why we founded RIDE Capital.

How do your products and services differ from traditional financial services?

We make services that were previously reserved for high net worth individuals accessible to less wealthy, but still affluent clients. Our platform digitizes and streamlines services that previously cost high hourly rates.

Traditional private banks generally only accept clients with assets of at least $2 million due to high margin pressures. Meanwhile, RIDE is fully digital and accepts customers with a smaller amount of assets. This makes RIDE a considerably more accessible platform. We see ourselves not only as a financial services provider, but also as a financial education provider that offers training and advice through our web app, YouTube and Instagram.

Many see the big banks as competitors or as something the new digital bank aims to replace. What is your position on this?

Part of the traditional banking world will surely be replaced by fintechs. However, there are many things that traditional banks do better – risk management, compliance and regulation, for example. The way forward for both is to cooperate. Fintechs can benefit from the expertise of traditional institutions, which in turn can not only survive but discover new customers by cooperating with new players. At RIDE, we can create added value as an infrastructure provider with our title accounting service. This service is advantageous for tax consultants who wish to automate their manual accounting or banks who wish to offer additional services.

Could you describe the average RIDE Capital user?

The average RIDE customer has investable assets of 500,000 to 3 million euros. A typical portfolio contains a portfolio of stocks, real estate, crypto, and alternatives such as LP holdings or token assets.

The biggest challenge our clients face is that they don’t know where to turn when looking for quality advice, for example on portfolio allocation. The big banks only offer consumer solutions, which is not suitable for our customers. However, tailor-made solutions like in private banking are either too complex and/or too expensive. The typical RIDE customer is in this gap between big banks and private banks.

What advice would you give to people who have the capital but not the “boost” to enter this investment/wealth management space?

Talk to us! We offer free consultations to anyone interested in our services. Additionally, we provide a lot of content on our social media channels, mainly YouTube and Instagram. We try to reduce the complexity of taxes and investments and make specialist knowledge accessible in a fun way.

Christine, you mentioned that you have a computer background. How does your professional career relate to the birth of digital banking?

I have a background in computer science and business administration. Whenever I’m annoyed by the price, speed or complexity of a service or process, I always ask myself ‘How can this be simplified?’

For example, taxation in Germany is painful, as are most government services. I myself have paid a fortune for tax advisers. My motivation for RIDE was above all to solve my own problems and the things that annoyed me. Our self-service app solves many of the problems I encountered when I first started investing, and given my experience, I see many opportunities where technology can help me.

An example is our securities accounting service. It automates the transaction booking process, which is otherwise done manually by tax advisors at a high hourly rate.

A potential business application for tokenization is the tokenization of real assets. What is it and do you plan to offer this type of service soon?

Tokenization means transferring and dividing the ownership of a tangible asset into tokens. These assets can be anything of value like real estate, art, fine wine, or luxury goods. A token is a digital contract. The most widely used blockchain for these tokens is the Ethereum blockchain.

At RIDE, we are expanding our range of services and offering a wider variety of alternative assets is definitely part of the plan. Since my co-founder and I managed real estate projects together, I have a particular interest in the tokenization of real estate. The market here is also democratizing, and our approach to democratizing financial services runs through everything we offer and develop at RIDE.

About Christine Kiefer

Christine Kiefer is one of two co-founders and managing directors of RIDE, the first fintech start-up to focus on real returns after taxes and costs. RIDE helps investors structure and manage their assets professionally. Christine has participated in the creation of several fintechs, including Billpay and Pair Finance. In addition to her entrepreneurial activities, Christine founded Fintech Ladies, a network of women involved in digitalization and innovation in finance. Christine was a member of the Fintech Council of the Federal Ministry of Finance and previously worked at Goldman Sachs in London. In January 2022, Christine joined the Angel Invest fund as a partner.

Sorrel (Caribbean red drink) – The Washington Post

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Red Drink or Sorrel is a traditional sour, sweet and ginger drink served on June 16. It’s made with the hibiscus roselle flower, which is typically grown not for its beauty, but for its tart, cranberry flavor. It is not the same as the large-flowered variety found in many gardens. DC herbalist Sunyatta Amen, who created this recipe, recommends whole spices, with some dried options, but cautions against using powdered versions of these ingredients. To sweeten, she advises avoiding honey, which can dominate, but rather raw cane juice, raw turbinado sugar or agave. Always stir well before serving. “We garnish with a sprig of lightly rubbed mojito mint or African blue basil [which you can find in gardens or gardening shops] leaves to honor the ancestors who have gone before us,” she said. The spicy drink can be served hot or cold.

Active time: 20 minutes ; Total time: 1h40 including 15 minutes of maceration and 1h of cooling

Storage Notes: Refrigerate up to 1 week.

Or buy: Roselle hibiscus flowers can be found in tea shops, Asian, Caribbean, Latin and health food markets, and online. African blue basil leaves can be found in home gardens or garden stores.


Servings:

8 – 12

Size tested: 8-12 servings; barely makes 1 gallon

Ingredients
  • 1 liter of water

  • 1/2 cup (about 1 ounce) dried roselle hibiscus flowers, cut or whole, or 1 cup fresh roselle flowers

  • 6 whole allspices, folded in parchment paper and lightly crushed by tapping with a heavy bottle or knife handle

  • 5 whole cloves

  • 3 green cardamom pods, folded in parchment paper and lightly crushed by tapping with a heavy bottle or the handle of a knife

  • 1/4 teaspoon green cardamom seeds

  • 1 whole star anise, split, or 11 whole fennel seeds

  • A cinnamon stick (1/2 inch)

  • 2 teaspoons finely grated fresh ginger or 1/4 teaspoon dried ginger

  • 1/4 teaspoon whole black peppercorns

  • 1/4 teaspoon whole coriander seeds

  • A pinch of crushed red pepper flakes

  • Fresh raw cane juice, turbinado or agave raw sugar, optional, to taste

  • Sprigs of fresh mint, preferably mojito or fresh basil leaves, preferably African or Thai blue basil, for serving (optional)


directions

In a large saucepan over high heat, bring the water to a vigorous boil. Add hibiscus flowers, allspice, cloves, cardamom pods and seeds, star anise, cinnamon, ginger, peppercorns, coriander and chili flakes. Stir and bring back to a rolling boil for 15 minutes. The liquid will reduce a little.

Remove from the heat, cover and let steep for at least 15 and up to 30 minutes. The longer the drink infuses, the darker and tastier it will become. Mix well and strain the drink through a fine mesh strainer into a 1 gallon pitcher.

While the drink is still hot, add fresh raw cane juice, turbinado raw sugar or agave, if using, to taste, stirring until well blended or dissolved. (The amount of sweetener will vary depending on the type and your taste; start with a little and taste until it’s to your liking.)

Refrigerate until chilled, if served cold, at least 1 hour. Mix well before serving and pour into jars or mason jars filled with ice. Garnish with sprigs of mint, basil or African blue basil, if using. The drink can also be served hot, if you prefer.


Origin of the recipe

From herbalist Sunyatta Amen, owner of Calabash Tea & Tonic in Washington, DC

Tested by Ann Maloney.

Email your questions to the Food Section.

Email your questions to the food section at [email protected].

LifeSpan Fitness TR3000i Folding Treadmill Review

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We’ve found that the LifeSpan Fitness TR3000i Folding Treadmill does a lot of things right. It offers incline adjustments up to a 15% grade, stays shake-free at high speeds, and offers a top pace of just over 12 mph. Put into context, a 10K at this speed would take just over 30 minutes, so it’s likely to be fast enough for most users.

Specifications

Dimensions: 33 inches x 42 inches x 67 inches (83.8 cm x 106.6 cm x 170 cm)

Lester: 211 lbs / 96 kg

Tread size: 20in x 56in

Maximum user weight: 350 lbs / 159 kg

Display: 7 inch TFT touch screen

The rapidity: 0-12mph

Tilt: 0.5-15%

These credentials have earned it a spot in our roundup of the best treadmills. (opens in a new tab). But, unfortunately, it missed out on the top spot due to its mid-range price point not being matched by the innovative features we’ve seen on similarly priced machines, such as the Proform Pro 9000. (opens in a new tab) and Echelon Stride (opens in a new tab).

That’s not to say it’s not a solid runner. Anyone wondering how to run faster (opens in a new tab)while training at home will likely be able to increase their speed and endurance with this machine, provided they follow the right training plan. But, if you’re new to running and want a Peloton-esque machine that has engaging and entertaining classes that guide you through lung workouts, this isn’t the product for you.

Configuration and usability

The configuration of the LifeSpan Fitness TR3000i can be summed up in one word: temperamental.

The treadmill comes in a large box, which we found required at least two people to set up. Its daunting dimensions can also prove tricky for anyone trying to fit it through small doorways or tight corners on the way to its destination in your home.

The belt and base form a complete unit, but the handlebar must be screwed in place with four bolts. Next, we were instructed to screw the covers in place on the handlebars, then use another handful of screws to attach two cupholders.

The display ships separately from the handlebars but, rather than being connected by a single sturdy cable like most smart treadmills we’ve tried, we were tasked with a color-coded wire matching exercise. Delicate wires need to be connected before you can slide the screen into place, with a hollow section enveloping your handiwork. And, if you don’t push those fragile wires together enough, the treadmill’s features won’t work – as we found with the heart rate monitor and speed buttons.

All of this took us the best part of 45 minutes. It doesn’t take too long but, especially compared to the Echelon Stride, which can be taken out of the box and ready to go in less than five minutes, the overly complicated assembly of this machine seems like it could be avoided.

However, we liked how easily you can fold the belt vertically to store the treadmill. Lift the belt and it will automatically stay in place when raised beyond approximately 50 degrees. The wheels at the front of the machine allow you to tip and move it relatively easily, making it easy to store when not in use.

LifeSpan Fitness TR3000i Folding Treadmill

(Image credit: future)

Design and display

Ask someone to draw a treadmill and the results will probably resemble those of the TR3000i: with its belt, straight handlebars and two handrails parallel to the ground, giving it the classic aesthetic of a racing machine. .

Although not on the same scale as the Colossal NordicTrack X22i, it’s still a big machine. And, while it has its downsides, in terms of finding a space for it, we found the running strip wide enough that we didn’t feel cramped, and there was never any risk of our feet hook the side rails.

The treadmill has a 7-inch touchscreen on the handlebars – although the functionality of the screen seems surplus to requirements given the lack of features on offer. There are only four options: quick start, manual, programs and HR control. We thought you could easily select from these using a few buttons on the console.

Still, the touchscreen was responsive, even if the display looks grainy compared to competitors’ larger, crystal-clear screens.

LifeSpan Fitness TR3000i Folding Treadmill

(Image credit: future)

Features

There are 12mph max speed options, incline settings up to 15% and preset interval running programs to choose from.

You can use the quick-change buttons to speed up the incline and pace adjustment process (with options for 2, 4, 6, 8, and 10 on each) or use the up and down buttons on the console and the handles to narrow down those numbers. by 0.1% or mph at a time. However, this approach is painfully slow and quickly becomes tedious. A fan in the console can help keep you cool, and there’s a built-in heart rate monitor.

But, considering it’s a four-figure investment, we found ourselves disappointed with the features offered by the Lifespan TR3000i. There are no smart features or app connectivity, so you’re limited to the 17 preset programs, ‘HR check’ sessions or a ‘quick start’ mode.

Preset programs vary the speed or gradient (never both) of the treadmill in a series of interval-style sessions, and “heart rate control” workouts adjust these variables to achieve certain heart rate zones. (opens in a new tab).

This is suitable for anyone with a running plan to follow, such as those who run a pre-determined distance at a set pace in preparation for a race, or anyone wishing to perform an active recovery session. However, if you’re new to running and looking for exercise inspiration, the dynamic tracking sessions offered by the Echelon Stride and NordicTrack X22i are more likely to get you excited to lace up your sneakers. . While we found we got bored quickly with the TR3000i’s offerings.

LifeSpan Fitness TR3000i Folding Treadmill

(Image credit: future)

Performance

The LifeSpan Fitness TR3000i doesn’t perform badly, but doesn’t do much to stand out from the crowd. At 67 inches long and 42 inches wide, it’s not as compact as the foldable Echelon Stride. The wider base and running belt allow for a spacious run, with the treadmill feeling comfortable and secure at both high speeds and incline settings. There was no noticeable wobble or vibration from the belt, which moved smoothly throughout each run thanks to the 2.75 continuous horsepower (hp) motor, and the treadmill was also more quiet.

The touchscreen controls are simple enough to jump right into your workout with a quick start session, and if you know the pace and duration of your run, this treadmill will get you through it. Unfortunately, we found that this machine rarely ventures beyond the basics in terms of features and performance.

For the price, the lack of smart features or app connectivity was disappointing. While Echelon, NordicTrack, Peloton, and Proform machines can provide libraries of treadmill and off-treadmill workouts to improve your overall fitness, Lifespan leaves you with only one option: running.

When you shell out that much money, the running functionality alone isn’t enough to compete with competing treadmills. Where other smart machines entertained us and engaged us with exciting new ways to train, we quickly exhausted the preset training options on the TR3000i.

It could be a good addition to an already full home gym setup, where you plan to use it as an adjunct to a larger exercise program, or for intervals as part of HIIT or CrossFit workouts . However, unlike the Peloton and co, it alone will not provide a complete home fitness routine.

LifeSpan Fitness TR3000i Folding Treadmill

(Image credit: future)

Value for money

The LifeSpan Fitness TR3000i treadmill is a solid running machine with a smooth running belt and a stable base. But, with its lack of smart features, like app connectivity, we don’t think that justifies its high price.

At $1,599 (£1,499), it is cheaper than the Peloton, Proform, Echelon and NordicTrack models, and you don’t have to pay a monthly subscription to access its selection of preset programs. However, its counterparts’ interactive workout offering – delivered on large, clear touchscreens – has the power to motivate and educate users. It is for this reason that we think it is worth paying a slightly higher price.

Verdict

The LifeSpan Fitness TR3000i Folding Treadmill impressed in testing with its sturdy base, roomy running platform and smooth running belt, powered by a 2.75hp motor. It has a minimalist design, wheels on the front of the machine make it easy to move, and it folds vertically so it doesn’t take up half the space of competitors like the NordicTrack X22i.

Yet he is disappointed by his lack of innovation. Although it performed admirably as a running machine, its paltry offering of preset programs (17 interval sessions of variable speeds and gradients) couldn’t compare to other models that offer applications brimming with exciting workouts. The Proform 9000 and Echelon Stride, for example, offer users thousands of treadmill and off-treadmill workouts, each led by knowledgeable and motivating instructors.

Alternatives

NordicTrack X22i used

(Image credit: future)

If you want a one-stop-shop for all things home fitness and are happy to invest in the best, we think the NordicTrack X22i (opens in a new tab) (pictured above) is the treadmill for you. Its 22-inch touchscreen offers an almost cinematic experience, and the range of workouts offered through the iFit app (including treadmill running sessions and strength or yoga classes) is staggering. The belt provides suspension to protect your joints, and the machine has an unmatched incline range of -6% to 40% to mimic tough trail riding.

If balancing quality, affordability, and size are your priorities, check out the Echelon Stride (opens in a new tab). This compact machine folds flat in seconds so it can be stored under a bed or behind the sofa, and it also connects to your phone or tablet to provide access to the Echelon Fit app – all for under $1,600 (£1,600).

Morgan Stanley cuts MO stock price target. Here’s why.

Source: viewimage / Shutterstock.com

Shares of Altria Group (NYSE:MO) are trading down more than 6% after receiving a downgrade from Morgan Stanley. Analyst Pamela Kaufman cut her rating for MO shares from “equal weight” to “underweight” and also lowered her price target from $54 to $50.

Kaufman cites rising gas prices as one of the reasons for the reduction in the price target. To date, the national average price for a gallon of gasoline is $4.96, up from $3.06 a year ago. The analyst explains:

“Historically, there has been a strong inverse relationship between gasoline prices and cigarette volumes…We expect cigarette consumption to decline as consumers seek savings, products sold at gas stations being particularly vulnerable.”

Meanwhile, by Philip Morris (NYSE:PM) the acquisition of Swedish game may cause competition problems for MO stock. After this purchase, Philip Morris will offer a range of alternative tobacco products such as ZYN and IQOS. Kaufman thinks Altria shareholders are “underestimating the risk” of the acquisition. Philip Morris will be able to enter the US market with its IQOS product in 2024.

On top of that, Altria was up more than 12% year-to-date before Morgan Stanley’s downgrade was released. As a result, Kaufman states that “the risk-reward ratio has been skewed to the downside given the combination of near-term fundamental pressures and our longer-term concerns about MO’s cigarette portfolio.”

With Kaufman’s bearish view in mind, let’s take a look at how other analysts view the $90 billion tobacco company.

Analysts weigh in on MO Stock

  • Goldman Sachs has a price target of $100. Analyst Bonnie Herzog views MO stock as an attractive investment due to its strong free cash flow, stable margins and dividend yield. The analyst prefers him to Philip Morris and thinks the company will cut its earnings per share forecast for fiscal 2022 due to the Russian invasion of Ukraine and currency headwinds. Additionally, IQOS acquisition rates could suffer due to semiconductor shortages.
  • RBC Capital has a target price of $53. Analyst Nik Modi cites the company’s strong performance since December and believes there is limited room for improvement. Like Kaufman, Modi notes that rising gasoline prices can reduce consumer spending on tobacco products.
  • Finally, Altria has an average price target of $56.83 among 16 companies covering the business.

At the date of publication, Eddie Pan did not hold (neither directly nor indirectly) any position in the securities mentioned in this article. The opinions expressed in this article are those of the author, subject to InvestorPlace.com Publication guidelines.

What to expect from Sri Lanka’s debt restructuring? Lessons from Argentina and Ecuador

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Alicia Garcia Herrero & Junyu Tan (Natixis) | After the preemptive announcement to suspend all foreign debt repayments until talks for an IMF bailout were completed on May 18, Sri Lanka embarked on the dangerous path of sovereign default as it missed the 30-day grace period on its $78 million worth. coupon payments originally due April 18. Against this backdrop, the main question for investors is how deep debt restructuring and economic adjustment will need to be for Sri Lanka to return to debt sustainability. In this note, we draw lessons from the experiences of Argentina and Ecuador in 2020 to shed light on the situation in Sri Lanka.

Based on the recent debt restructuring agreements with the participation of the IMF, private investors, who account for 47% of Sri Lanka’s sovereign external debt, should prepare for a full debt restructuring with not only a haircut of the coupon, but also a principal discount and a maturity extension.

First, a significant reduction in coupon payments is very likely given the need to save foreign exchange reserves for food and fuel imports. In fact, recent major sovereign restructurings have applied a large coupon discount of over 40% (45% for Argentina and 42% for Ecuador).

Second, a principal discount cannot be ruled out either since Sri Lanka has to repay at least $1 billion a year until 2030 on foreign currency sovereign bonds. As if that weren’t enough, it is left with only $1.8 billion in foreign exchange reserves, including a $1.5 billion swap with China. Meanwhile, the scale of a notional haircut could be small because the deal on a large haircut would take time to resolve. As a result, Argentina applied only a small notional haircut at 1.9% in 2020 and Ecuador slightly higher at 9%.

Third, a maturity extension is also likely as it allows more time to return to debt sustainability. Although Argentina did not request a maturity extension and only requested a three-month moratorium on payments in 2020, Ecuador managed to extend its principal payment by 6.6 years. .

Fourth, some unique bond structures may apply to give the economy more time to recover. For example, the debt restructurings of Argentina and Ecuador offered investors a graduated coupon structure with lower coupons in the early years. The inclusion of value-recovery instruments linking debt repayment to GDP growth is also likely to align the interests of sovereigns and creditors, as in Argentina’s debt restructuring proposal.

As for bilateral and multilateral lenders, they generally offer debt service extensions with relatively low losses. In fact, China, the largest bilateral lender accounting for 10% of Sri Lanka’s outstanding external debt, has reportedly offered bridge financing, including $1 billion to repay existing Chinese loans due in July and another line of credit of 1.5 billion USD to buy goods, and refusal to accept a haircut. As a result, financing talks stalled after the Sri Lankan government embarked on debt restructuring.

Regarding the IMF bailout, the case of Ecuador shows that securing an IMF program could lead to faster resolution of debt restructuring and fewer NPV losses. But the IMF’s latest Article IV report suggests that revenue-based fiscal consolidation and short-term monetary tightening are the necessary conditions for a deal on the bailout Sri Lanka is seeking. For the former, the government announced on May 31 a rise in VAT to 12% from 8% with immediate effect, but this only partially reverses the populist cuts at the end of 2019 from 15% to 8% since the consolidation margin budget is constrained by the fall in economic growth and the difficult social and political situation. For the latter, although the Central Bank of Sri Lanka (CBSL) left its key rates unchanged during the last review of monetary policy, the situation should not be interpreted as if it were stable. In fact, the reason is really to allow time for the April 700 bps rise to filter through, but the currency remains stubbornly weak, so further hikes may be needed, especially as the Fed tightens. any further.

In short, private investors are likely to bear the bulk of the losses from Sri Lanka’s debt restructuring, including a significant coupon reduction of over 40%, while public creditors may be forced to offer debt repayment extensions. Securing a bailout from the IMF will ease negotiations, but agreeing such a package could involve more fiscal and monetary tightening in the near term, even with headwinds to growth. Finally, a big difference between the restructuring of Sri Lanka and that of Argentina at least is that China accounts for a much larger share of the debt, which makes a notional value discount much more difficult to agree. This is due to China’s role as the main creditor of emerging and developing countries (accounting for almost a quarter of their external debt according to World Bank estimates) and, therefore, the reluctance to set a precedent for other debtors in difficulty.

Cottesloe Skin Clinic Dr. Clara Hurst de Blanc has expanded again to meet demand

One of Perth’s leading cosmetic doctors thinks the ‘Kylie Jenner look’ has given the cosmetics industry a bad name.

But for London-trained Dr Clara Hurst, owner of the luxurious Cottesloe Blanc salon, the issue has driven clients to seek out the ‘natural’ results her Napoleon Street Clinic is renowned for.

“I think people were at one point obsessed with big lips and cheekbones and everything so extreme, which personally, I think, ages you,” Dr. Hurst told AAA.

“I don’t think as medical practitioners we should allow that. I don’t think it’s ethical to do that to people, personally.

“The tables have shifted a lot towards a more natural look. I think that overdone look is over which is fantastic. We love it.

Since opening Blanc in 2020, Hurst, who trained as a dentist and co-founder of skincare brand The Secret, has overseen the growth of the business from just two staff members, herself. included, to 16 employees and more than 6,000 customers.

“Within maybe three months (after the first opening) we were sold out. And I thought that was awesome. I would like to attract more people because the demand was so high that we just couldn’t keep up,” she said.

Camera iconKylie Jenner. Credit: unknown/Instagram/Kylie Jenner

“Our clients come to us specifically because they want a natural result.

“Most of the time what they want to do is they don’t want to look younger, they want to look fresher, they want to be the best for their age. want to look 10 years younger. They just want to look maybe a little less tired.

To keep up with demand, Blanc took over the adjoining store last year and recently expanded its footprint again.

“It’s really important that the same quality of service is maintained, so I don’t believe in expanding quickly because I think you can lose that personal touch,” she said.

“I really believe in companies starting small and then figuring out what formula works before they get big. I think a lot of companies don’t succeed because they start too big, too early, and invest too much upfront.

Chicken and Potato Sofrito Recipe

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Sofrito is a unique Sephardic dish from Jerusalem consisting of meat and potatoes.

Sofrito is a unique Sephardic dish from Jerusalem consisting of meat and potatoes. The pieces of beef or chicken are browned or pre-cooked, and the potatoes are then added to the same pan after being pre-fried (sofrito, means fry first.) The dish is cooked with almost no liquid, on very low heat, and the potatoes are steamed over the meat and absorbing its rich aroma and flavor. It’s such a delicious dish, and it’s very popular in Israel even today. Read more about Jerusalem beauty queen foods here.

Food4Thought: “Eat, O loved ones, and drink: drink abundantly, O loving companions. (Song of Songs) Get more thoughts on Jewish food here.

For 6 persons

INGREDIENTS

  • 2 pounds boneless, skinless chicken thighs
  • 3 teaspoons kosher salt, divided
  • 1 teaspoon ground black pepper
  • 4 tablespoons corn oil
  • 8 medium golden potatoes

PREPARATION

  1. Arrange the chicken thighs on a platter and sprinkle generously with 1½ tsp salt and 1 tsp pepper and massage the chicken with the salt and pepper using your hands.
  2. Put 2 tablespoons of oil in a heavy saucepan over medium-high heat. When the pot is very hot, brown the chicken thighs on both sides, about 4 minutes on each side. Brown the chicken in two batches to avoid crowding them too much. Transfer the chicken thighs to a bowl.
  3. While the chicken is browning, prepare the potatoes: peel and halve lengthwise, then cut into 3/4-inch-thick slices.
  4. Add the rest of the oil to the empty pan, add the potatoes all at once and brown for about 5 minutes, stirring occasionally. Transfer to a bowl and toss with 1½ teaspoons of salt.
  5. Reduce the heat to very low. Arrange the chicken in the bottom of the pot (keep the accumulated juices in the bowl) and top with potatoes. Make sure the potatoes completely cover the chicken. Pour the chicken jus over the potatoes.
  6. Cover the pot tightly and cook for 1 hour. Since the chicken is letting juices out, there’s no need to add any liquid to the pan, but you should make sure you hear the simmer and see some liquid in the bottom of the pan. You can always add a few tablespoons of hot water if needed. Do not stir the stew, just stir the pan occasionally and baste the potatoes 3-4 times while cooking. When the stew is fully cooked and the potatoes are tender, remove the pan from the heat, let stand for 10 minutes and serve.

The Absolute Best Half and Half Substitutes

Oat milk is, in our opinion, an outlier in the world of alternative milks. It doesn’t have an overly sweet flavor like coconut milk, nor nutty like almond milk or cashew milk. It’s not as greasy as either of these alternatives, which affects its creaminess and milky consistency.

Thicker cream oats have only just emerged onto the dairy-free US scene (via Occasionally Eggs). Like other vegan creamers, you can use the oatmeal version as a half-and-half substitute in your cafe or kitchen.

To make Creamed Oats, Occasionally Eggs recommends using oats (of course), plus water, salt and a small amount of oil (grapeseed oil, olive oil, sunflower or canola are all suitable options, but avoid coconut oil, which gets too hard in the fridge). Start by soaking 130 grams of rolled oats in a bowl of hot water for at least 30 minutes and up to 2 hours. Drain and rinse the oats, then blend them with 500 milliliters of water, 2 tablespoons of oil of your choice, and a pinch of salt in a blender. Blend until smooth, about 3 to 5 minutes. Pour the cream through a fine mesh sieve to filter out the large particles of oats. Store your creamed oats in an airtight container and refrigerate for up to a week.

Consolidation in the gold mining sector will continue – report

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According to the market research firm, the strategic logic behind this merger and acquisition is similar to other large deals completed in recent years, and includes (1) achieving scale, (2) geographic diversification and (3) replenishment of project pipelines.

“Cost synergies have been less of a driver, particularly for the latest transaction, with Gold Fields’ assets residing primarily in Africa and Australia, while Yamana operates primarily in Canada and Latin America. Interestingly, large M&A deals in the space have been financed mostly with equity despite the fact that companies have the financial wherewithal to finance deals through debt,” CreditSights said.

For the industry as a whole, CreditSights acknowledges that organic growth has stagnated in recent years, given the natural decline of existing mines and the fact that companies are unwilling to invest in large greenfield projects, which are typically fraught with execution risks, concerns geopolitics, environmental issues and time and cost overruns.

The report sheds light on the unknown fate of Barrick’s Pascua-Lama investment project, for which it recorded more than $5 billion in impairment charges, and the gold mining giant’s decision to resuscitate a project entirely new to Pakistan which will take 5-6 years and cost $7. billion. Barrick’s CEO has talked about mergers and acquisitions over the years, but cited unattractive valuations to stay disciplined and not aggressively pursue deals.

Still, CreditSights believes the M&A trend is set to continue as mining companies seek to replace dwindling reserves.

“The gold mining industry is still a very fragmented market, with the top 4 players accounting for around 20% of total production worldwide, despite the recent flurry of M&A deals. scaling to become more relevant to investors also makes strategic sense,” the report states.


Read more: Gold Fields to become world number one. 4 gold miner with the acquisition of Yamana

Ren Evercalm Overnight Recovery Balm Review

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I tend to be a bit aggressive in my skincare routine, especially since I’m impatient and want results right now. The buildup of retinol, exfoliants, vitamin C, and other products that help reduce my dark spots and hyperpigmentation is doing my skin a disservice. In fact, it backfires when I destroy my skin’s protective barrier. I end up with sensitized, irritated, dull and excessively dry and inflamed skin, which turns into darker spots. I came across Ren’s Evercalm Overnight Recovery Balm ($52) and had to test it out to see if it’s something that can help my sensitive, reactive skin.

Ren’s Evercalm Overnight Recovery Balm is an oil-based balm formulated for sensitive, reactive or dry skin. It is said to calm and soothe the skin, relieving problems such as dryness, flaking, irritation and inflammation overnight. It is also believed to protect and repair the skin and its moisture barrier. The balm is packed with skin-loving, conditioning ingredients, including almond oil, borage oil, flaxseed oil, jojoba oil, and sunflower oil, all of which are rich in fatty acids and help minimize dehydration and water loss. It also contains beta-glucan and vitamin E, which help soothe and minimize skin irritations and sensitivities.

The Recovery Balm has a thick, oily balm texture that quickly transforms into a lightweight conditioning oil once I warm it on my skin, much like a cleansing balm. I use a pea-sized amount all over my face as the last step in my nighttime skincare routine. The balm seems to sit on the skin, but I was really impressed with how it sinks into my skin, conditioning it in seconds. It absorbs quickly and isn’t greasy, but my skin feels hydrated and softer with a plump, hydrated look. It has a light and fresh botanical scent; I don’t know how to describe it other than it smells green.

The texture of the balm is unique; it has the best parts of a healing oil and salve, making it versatile and useful for a variety of reasons. Evercalm Overnight Recovery Balm can be used all over the face as a sleeping mask or as a spot treatment for areas that need a little extra love. It helps hydrate and soothe my skin on days when it feels very dehydrated and irritated, revitalizing my dry patches and reducing flaking and inflammation. It was especially helpful during allergy season when I needed to heal the skin around my eyes and nose. As pictured, within two days of using this overnight recovery balm, my skin looked smoother. I even use it on days when I use retinoid treatment to offset the intensity and irritation.

Ren’s Evercalm Overnight Recovery Balm is a product that I always have on hand in my skincare routine. It’s not something I need to use every day, but it’s a product that’s there to help me when I need it. I understand that the price is higher. However, the texture of this balm is something I have never seen before. Traditional healing ointments sit on the skin and coat my pillowcases at night, while this balm quickly absorbs and soothes my skin while I sleep. It’s something that doesn’t move all over my face either. If I want to revitalize the outer corners of my eyes or fade a dry spot on my eyelid, the balm doesn’t get into my eyes, making my vision blurry. It just stays where I want it, sinks into my skin and does its skin-soothing job. Plus, a little goes a long way when using this product. If you have sensitive skin or tend to over-exfoliate, having this in your skincare stash can save the day.

Evaluation:

Image source: POPSUGAR Photography / Anvita Reddy

Aussies are getting their finances in order

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We all know debt happens, but getting it under control is a whole different ball game. New information from Commonwealth Bank and Melbourne Institute: Applied Economic & Social Research shows that financial wellbeing scores are significantly higher than they were before the COVID-19 pandemic.

If you want to join the crowd and start taking charge of your finances, a consolidation loan could be the way to get a head start on the new fiscal year.

If I am in debt, how will one more loan help me?

Taking out a larger personal loan as a way to consolidate existing debt can be an effective way to redirect your financial focus.

Consider your current debts. Maybe you took out a car loan to buy your current set of wheels and you have a credit card that needs to be paid off regularly. Factor in Buy Now Pay Later installments and you’ll feel like life is a constant cycle of payout after payout!

A debt consolidation loan essentially consolidates these small debts into one sum, allowing you to repay the amounts owed. Rather than owing varying amounts in different places on different repayment schedules, there are many benefits to consolidating your debts.

By moving this debt to one place, you can gain greater control over your repayment schedule and the interest rate you pay. A unique repayment schedule is useful to avoid late fees, as well as to minimize individual fees on each product.

You can also lock in a single interest rate instead of being at the mercy of multiple rates, thus avoiding, for example, a store’s credit card with a particularly high interest rate. Look for a debt consolidation loan with a lower interest rate to pay less over time – we’ve got a handy comparison tool to help you find the right one for you.

Is there anything to look out for when consolidating my debt?

Nothing is ever as simple as it seems! Although a debt consolidation loan can help you consolidate all your debts in one place, it can also have drawbacks.

If any of your existing debts are fixed at a low interest rate, it’s entirely possible to find yourself stuck paying a higher interest rate than you originally borrowed. Likewise, if you’re about to pay off an existing loan, using a debt consolidation loan to pay it off can give you a much longer (and expensive!) repayment period.

It’s also important not to use a debt consolidation loan for the wrong things – for example, a home loan. The extended life of a mortgage is much longer than the term of most personal loans and will create extended debt and higher interest in the long term.


decided to release a debt consolidation loan? Take a look at our guide to the do’s and don’ts to ensure smooth browsing.

*
DISCLAIMER: The comparison rate combines the lender’s interest rate, fees and charges into one rate to show the true cost of a personal loan. The comparison rates displayed are calculated on the basis of a loan of $30,000 with a term of 5 years or a loan of $10,000 with a term of 3 years as indicated, on the basis of monthly principal and interest repayments, on a secured basis for secured and unsecured loans. basis for unsecured loans. This comparison rate applies only to the example or examples given. Different amounts and durations will result in different comparison rates. Costs such as withdrawal fees or prepayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may affect the cost of the loan.

^ See Mozo Experts Choice Personal Loan Awards information

Mozo provides general product information. We do not take into account your personal goals, financial situation or needs and we do not recommend any particular product. You must make your own decision after reading the PDS or offer documentation, or after seeking independent advice.

Although we pride ourselves on covering a wide range of products, we do not cover every product on the market. If you choose to request a product through our website, you will be dealing directly with the supplier of that product and not with Mozo.

WWDC 2022 – 6 big Apple announcements I want to see

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If you own something built by Apple, the annual Worldwide Developers Conference usually turns out to be one of the most interesting events of the year. This is when the company lays all its cards on the table, revealing the changes coming to the multiple software platforms it has built. That means new features for everything from your iPhone and iPad to your Apple Watch and MacBook.

WWDC 2022 numbers will be no different, Apple is expected to provide updates on all of its software – iOS, iPadOS, watchOS, macOS and tvOS. There could be new software joining the mix – realityOS, which would power any AR/VR gear Apple plans to develop. And although WWDC focuses more on software than hardware, Apple could use the occasion to show off an updated MacBook Air.

We’ll find out soon enough, as WWDC 2022 begins on Monday (June 6). A keynote highlights that first day, as Apple executives take the stage to detail all of the software changes coming later this year and perhaps reveal a few more surprises. You can use our guide on how to watch the WWDC live stream to follow every Apple announcement as it happens.

But forget about anything Apple might announce at WWDC, and instead focus on what should be on the company’s agenda. Here are six things I’d love to see happen on stage at this year’s Apple event.

The M2 chip

It’s widely expected that Apple will introduce a 2022 MacBook Air, and that’s good news for anyone who wants a laptop, given Apple’s recent push to improve its lineup. But the part of a potential MacBook Air announcement that piqued my interest is the chipset Apple is going to use to power the machine.

Apple M2 chip

(Image credit: Apple)

Specifically, 2022 MacBook Air rumors suggest the new laptop will feature an Apple M2 chip, a change from the M1 powering the current model. If true, that means WWDC is giving us a chance to see the next step in the evolution from Mac to Apple silicon.

The story of the M2 chipset does not appear to be raw power like it was with the M1 Pro and M1 Max silicon introduced by Apple last year. Indeed, early reports suggest the M2 won’t be much more powerful than the M1. The question is, will the M2 bring anything else to the table, like better fuel efficiency? This could translate to better battery life, which would certainly be welcome for any laptop.

There is speculation that supply constraints could push back any Apple silicon advances until next year. What Apple is showing at WWDC might tell the story.

An always-on display for the iPhone

I think the iPhone has many advantages over Android devices – more seamless software support. a more compelling App Store, better performance – but there’s one area where Android clearly wins. Android phones have always-on screens, while iPhones don’t. And it makes Android devices more useful when you just need a quick look at the time, weather conditions, or upcoming appointments.

iOS 16 Concept Designs

(Image credit: Hacker 34/YouTube)

That might be about to change, as recent rumors suggest an always-on display is heading to iPhone 14 Pro models in the fall. There’s no way Apple will confirm this at WWDC since the iPhone launch is months away. But Apple might announce a feature in its iOS 16 preview that lays the groundwork for always-on displays.

This supposed feature involves changes to the iPhone lock screen. Specifically, iOS 16 is expected to include new lock screen wallpapers featuring widgets. In other words, from the lock screen you will see more visible information than the time and recently arrived notifications.

If Apple adds this feature in iOS 16, this new information is unlikely to remain hidden until you lift your iPhone to wake it up. The arrival of lock screen widgets could signal the advent of always-on displays, one of the ways WWDC could offer us clues as to what’s coming to the iPhone 14 in the fall.

Multitasking Improvements in iPadOS 16

“Your next computer isn’t a computer,” Apple said in ads promoting the iPad, the idea being that the tablet is powerful enough to handle tasks you’d normally do on a less portable device. If the rumors about the next version of iPadOS are true, Apple plans to take further steps to make sure your next computer feels more like a computer, even if it’s still a tablet.

Specifically, rumors are tipping the iPad to get more multitasking capabilities with iPadOS 16. It’s possible the software update could introduce resizable windows that mimic the experience of running multiple apps on your computer at once. computer. The end result should make it easier to tell which apps you have open, and it should also be easier to switch between apps.

iPad Pro 2021 (11-inch) review

(Image credit: Tom’s Guide)

Last year’s iPadOS 15 update also included multitasking features, especially new menu buttons that made things easier like triggering split-screen mode. Apple therefore clearly sees multitasking as an essential part of the continued evolution of the iPad.

More Reasonable Workout Motivation in watchOS 9

I’m not an Apple Watch user, but my wife certainly is. And while the gamification features to keep her fit, moving and on her feet have certainly helped her stick to a fitness routine – heaven forbid there is a day when the activity rings aren’t closed – Apple is also going a little overboard with the constant insistence that comes from its Activity app.

An image showing a person using an Apple Watch while exercising

(Image credit: Shutterstock)

I’ve written about overly aggressive Apple Watch prompts before, but every day doesn’t need to feature workouts as intense, if not more so, than the day before. Rest days are part of any fitness regimen, but it’s a foreign concept to the Apple Watch, where every day is leg day.

WatchOS 9 rumors tend to stick to fitness and health tracking capabilities, but if there’s one thing I wish Apple would add to its smartwatches, it would be prompts. smarter exercise systems better suited to individual fitness goals. It would fulfill the Apple Watch’s purpose of being an essential health accessory and reduce many of the arguments with the agricultural fitness trainer who apparently lives in a device on my wife’s wrist.

Better multi-account management in tvOS

While we talk about changes that would improve my life at home, let’s focus on tvOS, the software that powers the Apple TV set-top box. The current iteration of tvOS supports multiple Apple accounts, so my wife and I can easily switch between our accounts when we want to access something in our respective libraries. Its good!

What’s not so good is what happens to the Up Next section in the Watch Now tab of the TV app. I find this particular section a useful way to get back to shows I’m watching or movies I’ve had to pause, but since it’s tied to any active Apple account on our Apple TV, the list of upcoming shows exchange.

What I would like to see happen is for tvOS 16 to recognize that the Apple accounts for me and my wife are stored on the Apple TV and have the Up Next screen reflect the programming both of us are watching. More manageable toggles for switching between viewing lists would provide an easier way to switch accounts than accessing Apple TV settings.

Show me the Apple AR/VR headset already

Most Apple watchers don’t expect Apple to show off the VR/AR headset Apple is supposedly working on. With the delivery date of this device apparently pushed back to 2023, it is very possible that the Apple VR/AR headset is not ready for any public demo.

apple vr and mixed reality headset fan side view render

(Image credit: Ian Zelbo)

But I think it would be a mistake to completely ignore the device if it is, in fact, in Apple’s future plans.

Maybe I’m coming to this from the perspective of someone who’s skeptical of the value of VR/AR headsets, but I think WWDC gives Apple the opportunity to really explain its view of reality mixed. What experiences can I have with expensive hardware strapped to my head that improves my life? What does a helmet make easier or more enjoyable or even possible? I’ve yet to find that aha moment with the AR headsets and viewers already out there, so hopefully Apple can do what it usually does best and make a compelling case for this technology.

More concretely, explaining this vision to an audience of developers tells them the kind of apps they should be building for an Apple VR/AR headset and, possibly, the Apple Glasses that are supposed to be in the works as well. That way, when these products are ready for prime time, apps will be waiting for them that will allow early adopters to get the most out of this new class of device, much in the same way that third-party apps have improved the iPhone experience in its early years.

Cooper Wellness Strategies and Welld Health Announce

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DALLAS, June 03, 2022 (GLOBE NEWSWIRE) — Cooper Wellness Strategies, a Cooper Aerobics company, and Welld Health announce a strategic partnership to position health and wellness centers as a critical component in the management and prevention of chronic diseases. Partnership Enables Facilities Administering Cooper® Tracks to Integrate Welld Health’s Workflows and Reporting Engines to Track Referrals, Enrollments, Biometrics, Screenings and Surveys All on One Platform HIPAA secure. Current Cooper customers using this platform are companies based in Louisiana, Maryland, New Jersey and Texas. For more information, visit cooperwellness.com or call 972.560.3263.

The Welld Health platform enables data collection through pre-configured forms, simplifying communication between instructors, participants, and physicians with easy-to-produce and edit letter templates. Workflows and powerful reporting engines ensure that data is collected with scientific integrity to facilitate reporting of health outcomes nationally and locally.

“Welld Health has a proven track record of working with healthcare organizations and fitness centers across the United States,” said David Evans, vice president of Cooper Wellness Strategies. “We value their experience and expertise in automating our Cooper Tracks reporting and at the same time adding quality programs for Welld customers – so it’s a win-win.”

Cooper® Tracks is an exercise and education program designed to guide and support people with chronic illnesses or deconditioning, learn how to exercise safely, build confidence and develop habits for healthier living. Cooper® Tracks programming offers a holistic approach to wellness. Cooper Tracks includes four chronic disease tracks: cardiovascular, cancer, diabetes and arthritis and two prevention tracks: wellness and immunity/reconditioning.

“With the launch of this partnership, existing and potential Welld Health customers using Cooper Tracks can easily operationalize their program reporting needs, to focus on what matters most: wellbeing,” says Chris Craytor , CEO of Welld Health. “We integrate wearable metrics, smart gear data, and gym visits to complement Cooper Tracks’ comprehensive health outcome reports.”

About Welld Health
Welld’s mission is to enable customers to responsibly use protected health data to improve the lives of their members. Health data generated by gyms, YMCAs and local community organizations is extremely valuable and important to protect. Welld offers dozens of proven avenues for customers to monetize data collection, including member conversion for chronic care programs, medical referral strategic insights, and registration activity reimbursement. Welld Health was founded in 2018 and is based in Charlottesville, Virginia. For more information, visit welldhealth.com.

About Cooper Aerobics
Cooper Aerobics in Dallas is the headquarters of six health and wellness companies and a nonprofit research and educational organization, The Cooper Institute® 501(c)(3), founded in 1970 by Kenneth H. Cooper, MD, MPH. Cooper Aerobics is the health and wellness resource that bases its recommendations on its world-leading set of data and expertise. Through the range of services offered by Cooper under the leadership of President and CEO Tyler C. Cooper, MD, MPH, millions of people have been inspired to make good health a habit, helping to improve their quality and their lifespan. Since 1995, Cooper Wellness Strategies has helped build healthier communities across the United States by providing its services to medical and commercial fitness centers and residential and senior living communities. For more information, call 866.906.2667 (COOP) or visit cooperaerobics.com. Follow the Cooper Aerobics Facebook page or Instagram account for updates.

Media Contact:
Pam Czerlinsky, Cooper Aerobics
972.560.3246
[email protected]

Best sellers online right now

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Summer has officially arrived, and with it comes a slew of sales celebrating the change of season. This means that over the next few days you can not only catch some rays and sunbathe, but also treat yourself to an online shopping spree. Some of our favorite retailers are running big summer deals, and to help you find the best ones, we’ve scoured the internet to bring you the best online sales across home, fashion, beauty, tech and more right now. moment.

Some of the best promotions we’ve spotted include Burrow’s ongoing Memorial Day sale where you can save up to $1,000, Gray State’s massive warehouse sale with savings of up to 80%, and Raycon’s Big Speaker event, where speakers and headphones are up to 35% off. Below, find more details on these deals, as well as the best sellers to shop this weekend.

Best Online Sellers Right Now: Home

Stove alone: During the Memorial Day Extended Sale, get up to 45% off Virtually Smoke Free Fireplaces.

caspar: Until 6/7, get up to $800 on a new mattress at Casper with code MDAY22.

Parachute: Get up to 40% off Parachute items in the brand’s Last Chance section.

Wayfair: The Wayfair Sales Center is always a great place to find deals on decor and furniture for every room in your home.

Lulu and Georgia: The brand recently added a host of new markdowns to its sale section.

Hexclad: The premium cookware brand is offering up to 30% off sitewide this weekend.

Purple: For a limited time, get up to $300 off premium mattresses from Purple. By adding an Ascent adjustable base to your mattress purchase, you can get an additional $500 off.

pottery barn: Get up to 60% off furniture, bedding and thousands more at Pottery Barn this weekend.

Rugs United States: Enjoy Up To 75% Off Rugs At Rugs USA During Extended Memorial Day Sale.

Raymour and Flanigan: Get up to 35% off everything at Raymour & Flanigan right now with an extended MDW sale.

Tempurpedic: The mattress company is still running a series of Memorial Day promotions, including up to $500 off adjustable mattress sets.

Terrier: You can use the code MDS22 to get up to $1,000 off Burrow Modular Furniture (though the discount depends on how much you spend).

The reception deposit: Get up to 30% off select appliances at The Home Depot this weekend.

Sunday Citizen: Great deals on pillows, throws and more are available in the Sunday Citizen sale section.

Coyuchi: Get 15% Off Bed Sets This Weekend At Coyuchi.

Kardiel: The luxury furniture supplier is currently running a series of May promotions.

Oven: Redeem code SLICE10 for $10 off Kilne’s Knife Set.

Bowl & Branch: Check out the sale section for big savings on seasonal favourites.


Best Online Sellers Right Now: Fashion

forbes.comMadewell Promo Codes | 20% off in June 2022 | Forbes

gray state: During the warehouse sale, get up to 80% off select Gray State styles.

Madewell: Get an extra 20% off sale with code SALESALE.

J-Crew: Use code SHOPSALE to get an additional 50% off sale styles.

good american: There are huge savings to be had in Good American’s sale section, and you can save $50 on your first pair of jeans when you join the mailing list.

Nike: Over 1,300 items are discounted in Nike’s ongoing Memorial Day sale.

Adidas: Nearly 3,000 athleisure and sportswear items are currently up to 50% off at Adidas.

Nordström: During Nordstrom’s semi-annual sale, you can take advantage of up to 60% off clothing, shoes and accessories for the whole family.

Saks Fifth Avenue: Up to 75% off designer fashion as part of Saks Fashion Flash Sale.

lululemon: The weekend is the perfect time to browse deals at Lululemon as the brand’s sale section is updated every Thursday.

Hanna Anderson: Get up to 50% off all baby and toddler clothing at Hanna Anderson.

girlfriend collective: Get up to 30% off select styles, including new arrivals and bestsellers.

Kit and Aces: Check out the Last Chance section for men and women at Kit and Ace for great savings on stylish finds.

Born in the Baltic: Get 10% off your first Baltic Born order by signing up to the mailing list.

Tom and Teddy: Get great deals on men’s swimwear from Tom & Teddy’s sale section.


Best Online Sellers Right Now: Tech

Raycon: During the Big Speaker Event at Raycon, save up to 35% on speakers.

Samsung: Samsung is celebrating Memorial Day with savings on a variety of tech items through June 8.

Amazon: Get great deals on Amazon devices and other tech must-haves at the retail giant this weekend.

best buy: Best Buy is offering deep discounts on Apple favorites, headphones and smart home appliances.

B&H Photography: B&H is offering hundreds of tech deals this weekend, including discounts on laptops and cameras.

JBL: Select headphones and speakers are 40% off in anticipation of Father’s Day.

new egg: Enjoy discounts on monitors, keyboards and tech accessories at Newegg, where new deals are added every day.

resume: Take up to 70% off select items this weekend at HP.

walmart: Shop nearly 900 markdowns in Walmart’s e-deals section this weekend as part of the brand’s Sizzling Summer Savings event.

Target: Over 6,000 tech and electronic gadgets are currently on sale at Target.

Lenovo: Check out great deals at Lenovo this weekend and save up to 65% on laptops and other tech items.

Garmin: Save on a wide range of Garmin fitness trackers and smartwatches as the brand kicks off Father’s Day early.

Xbox: Get three months of Game Pass for just $1 for a limited time.

Microsoft: Save on Surface laptops this weekend at Microsoft, plus tablets and other devices.

dropguys: Get a free screen protector when you join the brand mailing list.


Best Sellers Online Right Now: Beauty

dermstore: It’s your last chance to take 20% off over 5,000 products from brands like Sunday Riley, Ilia and NuFace during the Dermstore Summer Sale.

Sephora: Sephora’s sale section includes hundreds of products up to 50% off.

LookFantastic: Over 4,000 beauty items are up to 50% off right now at LookFantastic.

Fenty Beauty: Get over 50% off dozens of Fenty Beauty products in the sale section.

Skin Store: Redeem code SS15 for 15% off your purchase. The discount applies to nearly 5,000 items.

Kosas: Get 20% off sitewide at Kosas for a limited time only.

Glow recipe: Join the mailing list and get 10% off your purchase at Glow Recipe.

More shiny: Redeem code FOG22 to get 20% off your entire Glossier purchase this weekend.

Happiness: Get all Bliss essentials 30% off with code MYBLISS.

Sand & Sky: It’s bogo 50% time at Sand & Sky with code SAVE50.

Pacifica: Pacifica’s sale section is full of great savings on vegan and cruelty-free products.

glamnetic: Take 40% off the brand’s popular Magnetic Lashes this weekend.

goop: Take 40% off Goop favorites from the brand’s well-stocked sale section.


Other Notable Sales to Browse

Pioneer Inflatable Paddle Board (SUP) Set

Calpak: Luggage on sale at Calpak is over 50% off right now.

Ella Paradise: Shop Vibrators & Other Sex Toys Up To 85% Off With Code GLITTERED.

A savage:Coded FORBES15 will give you 15% off your purchase from the cult pet accessories brand.

Island: Paddle boards start under $500 as Isle continues to honor Memorial Day.

BBQGuys: The grill specialty store is always having a big Memorial Day sale, with 60% off select grills and accessories.

Books: Get 20% off your first order at Bouqs by subscribing to the mailing list.

Made by Nacho: The cat food brand backed by celebrity chef Bobby Flay is offering 25% off your first subscription.

How Small Businesses Can Benefit From Debt Consolidation

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Small businesses in Nigeria and all over the world are grappling with the problem of refinancing their already existing loans. Not only that, in tough business environments like Nigeria, many small businesses have had to take out loans in order to keep the business afloat.

It sounds like a good idea in the short term, but macro-economic factors like inflation, which generally increase the cost of sales for these small businesses and ultimately make it difficult for these businesses to repay their loans. This is because they are small, which means they have very little leeway to pass their costs on to their customers without risking losing them to other alternative services or products or to a larger competitor who owns a very well established market share. This then affects their potential profits which would have been used to refinance their loans.

That is why in a country like Nigeria, in addition to getting loans from loan sharks, who give loans with high repayments to their customers and not to mention the recent trend of how these platforms share the personal information of those who have defaulted on their payment obligations. general public with the aim of embarrassing them to repay their loans, it is quite difficult to obtain loans at reasonable prices from banks and microfinance banks.

As a small business owner who has now taken out various loans from different sources, it becomes very difficult to keep track of it all. Here’s why debt consolidation is very important for small business owners to know.

What is debt consolidation?

Debt consolidation is a smart financial strategy for small business owners who have incurred multiple debts from different sources. Consolidation merges multiple bills into one debt that is paid off monthly through a debt management plan or consolidation loan.

Debt consolidation lowers the interest rate on your debt and lowers monthly payments. This debt relief option unravels the mess that business owners face every month trying to cope with multiple bills and multiple deadlines from multiple card companies. In its place is a simple remedy; a payment to a source, once a month.

How it works

Debt consolidation is the use of different forms of financing to pay off other debts and liabilities. If you are struggling with different types of debts, you can apply for a loan to consolidate these debts into one liability and pay them off. Payments are then made on the new debt until it is fully paid off.

Most people apply for a debt consolidation loan through their bank, credit union, or credit card company. It’s a good place to start, especially if you have a great relationship and payment history with your institution. If you are denied, try exploring private mortgage companies or lenders. Creditors are also willing to do so for several reasons.

For the borrower, debt consolidation maximizes the probability of collection from a debtor. These loans are usually offered by financial institutions such as banks and credit unions, but there are other companies that specialize in debt consolidation services that offer these services to the general public.

An important point to note is that debt consolidation loans do not erase the original debt. Instead, they simply transfer a consumer’s loans to another lender or type of loan. For true debt relief or for those who do not qualify for loans, it may be best to consider debt settlement rather than or in conjunction with a debt consolidation loan.

Going deeper, there are two major types of debt consolidation loans; secured and unsecured loans. While secured loans are backed by one of the borrower’s assets, such as a house or car, unsecured loans, on the other hand, are not asset backed and can be more difficult to obtain. Unsecured loans also tend to have higher interest rates and lower qualifying amounts. Regardless of the type of loan, interest rates are always generally lower than the rates charged on credit cards. And in most cases, the rates are fixed, so they do not vary over the repayment period.

Why it matters to you and your business

Debt consolidation is a great tool for people who have multiple debts with high interest rates or monthly payments, especially for those who owe N10 million or more. By negotiating one of these loans, you can enjoy one monthly payment instead of multiple payments, not to mention a lower interest rate.

As long as you don’t incur any additional debt, you can also expect to be debt free sooner. Going through the debt consolidation process can reduce calls or letters from collection agencies, as long as the new loan is kept up to date.

However, it’s important to remember that while the interest rate and monthly payment may be lower on a debt consolidation loan, its payment schedule may be another Pandora’s box you don’t want to open. Indeed, longer payment schedules mean paying more in the long run.

What happens to your HELOC if the value of your home drops?

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A home equity line of credit (HELOC) allows you to leverage your home equity, which is the percentage of your home’s value that you already own, using the home as collateral. HELOCs are attractive because they provide easy access to money for home improvements, debt consolidation, medical bills, and other expenses. However, there’s a catch: Because HELOCs are tied to home equity, your lender can freeze or reduce your line of credit if your home’s value drops.

Key points to remember

  • A home equity line of credit (HELOC) is a revolving line of credit secured by your home.
  • Lenders base the loan amount on your home equity, credit score, and debt-to-income ratio (DTI).
  • HELOCs generally have two stages: a draw period and a redemption period.
  • If the value of your home drops significantly, your lender may limit or freeze your line of credit.

What is a Home Equity Line of Credit (HELOC)?

A HELOC is a revolving line of credit much like a credit card, except your home secures it. Because a house acts as collateral, HELOC interest rates, which are variable rather than fixed, tend to be more favorable than credit cards and personal loans.

Your lender approves you for a certain amount of credit based on your home equity, credit score, debt-to-income ratio (DTI), and other factors. As long as you stay under your credit limit, you can borrow whenever you need money, drawing funds via online transfer, cash pickup at your local bank branch, or check, card ATM or credit card linked to the account.

HELOCs and home equity loans allow you to borrow money using your home as collateral, but they work differently. A HELOC is a revolving line of credit, while a home equity loan gives you an upfront lump sum payment. Both loans involve interest and fees.

How do you reimburse a HELOC?

HELOCs generally have two stages: a draw period and a redemption period.

The drawdown period is typically 10 years, during which time you can borrow up to your credit limit, pay it off, and borrow again as often as you like. During this stage, you pay interest on the amount borrowed or make a minimum monthly payment (according to your loan agreement). You may also be able to make payments on the principal of the loan, if the lender allows it.

When the draw period ends, the HELOC closes, meaning you can’t withdraw any more money, and moves into the redemption period. You’ll make monthly installments to repay principal and interest, usually over 20 years. The amount of your payment will depend on your outstanding balance at the end of the drawing period and the prevailing interest rate. Some HELOCs have a lump sum payment, which means that the full amount of the loan plus interest is immediately due at the end of the drawdown period.

HELOCs typically have variable interest rates, so your payments can go up or down over time.

HELOC and falling home values

As mentioned above, your HELOC credit limit is tied to the value of your home, among other numbers. Although your lender considers the value of your home when you apply for a HELOC, they assess your line of credit and your ability to make payments over the life of the loan. If something has changed drastically since you got the loan, your lender may reduce or freeze your HELOC.

If this happens, you won’t be able to draw the full amount of your line of credit (or part of it, in the case of a freeze). However, you will still be responsible for performing your loan agreement, including monthly interest payments. Some of the most common reasons a lender might reduce or freeze your line of credit are:

  • Credit rating dropped
  • Employment or income status has changed
  • Overall indebtedness has increased
  • Marital status has changed
  • The value of the house has dropped significantly

Your lender must send you written notice within three business days of your HELOC being reduced or frozen. If the lender’s reasoning doesn’t make sense to you, ask for a detailed explanation and if there’s anything you can do to re-establish your line of credit.

You can appeal the decision if you think the lender made a mistake. For example, your house is worth more than your lender thinks because you recently made substantial improvements. Of course, your lender will expect an updated home appraisal if you want to appeal based on the value of your property. However, keep in mind that the appraisal fees will be your responsibility and, more importantly, an updated appraisal will not guarantee that your lender will approve your appeal.

If your lender does not restore your HELOC, you can check with other lenders to see their offers. You may be able to open a new HELOC and use some of the funds to pay off your original line of credit.

Can I use a HELOC to pay for anything I want?

Once you’ve pulled out of your HELOC, it’s up to you (not your lender) to decide how you’ll spend that money. Smart uses can include home improvements, debt consolidation, major purchases like a house, a new business, or medical bills.

Of course, it’s important to avoid using a HELOC to hide any financial troubles you might be having, such as maxing out your credit cards for unnecessary expenses. In other words, you shouldn’t use a HELOC to plunge yourself into a bigger financial hole. Instead, work on the factors that caused you problems in the first place and use the HELOC to help improve your financial situation.

How much does an assessment cost?

The average price for a single-family home appraisal is $375 to $450, according to Fixr.com, which provides cost guides, comparisons and information for home improvement, installation and repair projects. .

Can I deduct HELOC interest?

You can deduct the interest you pay on a HELOC only if you use the money to buy, build, or significantly improve the home that serves as collateral for the HELOC. However, the standard deduction has increased under the Tax Cuts and Jobs Act, so you might not be a winner by itemizing HELOC interest on your tax return.

The essential

Property values ​​tend to increase over time. Yet rising mortgage rates, increased supply, falling demand, recessions, and other events can drive prices down. If your home’s value drops a bit, your lender probably won’t reduce or block your HELOC, as slight fluctuations in the market are normal. It’s when the value of your home changes significantly that your lender can take steps to limit their risk.

Cosmetic Skin Care Market to Grow Rapidly by 2030

The report offers a comprehensive research study of the cosmetic skin care market which includes accurate forecasts and analysis at global, regional and national levels. It offers a global vision of the world cosmetic skin care market and a detailed value chain analysis to help players gain a close understanding of the significant changes in business activities seen in the industry. It also offers an in-depth segmental analysis of the global cosmetic skin care market, where major product and application segments are shed light. Readers are provided with actual market figures related to the global cosmetic skin care market size in terms of value and volume for the forecast period 2022-2030.

The following companies as Key players in the Global Cosmetic Skin Care Market Research Report are Shiseido Company, Gayatri Herbals, Khadi Natural, L’Oreal, The Estee Lauder, NIVEA, Lotus Herbals, Robin McGraw, Bio Veda Action Research Co, NIVEA, Johara, Unilever, Guinot, Colgate India, Olivia Health Care, Mantra, Obagi Medical Products, The Body Shop International.

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Detailed segmentation:

Global cosmetic skin care market, by product type:
⇛ Skin whitening, anti-aging, anti-acne, others.

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⇛ Specialized retailers, Spa, Pharmacies, Others.

Global Cosmetic Skin Care Market Overview

Geographically, the Cosmetic Skin Care Market report studies the major producers and consumers, focuses on the capacity, production, value, consumption, market share and growth opportunity of the products in these key regions , covering: North America, Europe, China, Japan and others.

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Main actors : The report provides a company profile for a decent number of top players in the global cosmetic skin care market. It sheds light on their current and future market growth considering their price, gross margin, revenue, production, area served, production sites, and other factors.

Cosmetic Skin Care Market Dynamics: The report shares important insights about influencing factors, market drivers, challenges, opportunities, and market trends within market dynamics.

Global Cosmetic Skin Care Market Forecast: Readers are provided with production and revenue forecasts for the global cosmetic skin care market, production and consumption forecasts for the regional markets, production, revenue and price forecasts for the global cosmetic skin care market by type and consumption forecast for the global cosmetic skin care market. market by application.

Regional Market Analysis: It could be divided into two different sections: one for regional production analysis and the other for regional consumption analysis. Here, analysts share gross margin, price, revenue, production, CAGR, and other factors that indicate growth for all regional markets studied in the report.

Cosmetic Skin Care Market Competition: In this section, the report provides information on competitive situations and trends, including mergers, acquisitions, and expansions, market shares of top three or five players, and market concentration rate. Readers could also be informed about the average production, revenue and price shares of the manufacturers.

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cosmetic skin care market

Key Highlights of the Cosmetic Skin Care Market in Covid-19 Pandemic covered in the report:

– Market competition by leading manufacturers in the industry.
– Discussion of sourcing strategies, industry chain information and downstream buyer data.
– Analysis of the marketing strategy of distributors and merchants focusing on regional needs in the context of the covid-19 pandemic.
– Suppliers who offer a wide range of product lines and intensify the competitive scenario in the covid-19 crisis.
– Also highlights the key growth sectors in the Cosmetic Skin Care Market and their performance in the forthcoming years.

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** Market is valued on a Weighted Average Selling Price (WASP) basis and includes applicable manufacturer taxes. All currency conversions used in the creation of this report have been calculated using a certain 2022 annual average currency conversion rate.

Crucial points encompassed in the report:

Personalization available

With the provided market data, researchers offer customization based on specific business needs. The following customization options are available for the report:

Regional and country-level analysis of the Cosmetic Skin Care Market, by end-user.

Detailed analysis and profiles of other market players.

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Delivering Optimal Health: A Roadmap for the Future of Clinical Care

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Do you remember the hassles and pitfalls of driving before GPS? No way to predict a traffic jam or a detour, no way to know if you were on the best route. Now our satellite applications guide us, warn of dangers and find the fastest way to our destination.

Imagine a similar guidance system for navigating patient care. A system to warn you of impending illness, even before symptoms appear, and guide you in making optimal treatment decisions. Rather than striving to find the most effective treatment for an existing disease, we will proactively anticipate and prevent it. This is a radical change, but expected and necessary.

I believe we have developed such a system. The Physiological Fitness Landscape (PFL) model for clinicians is a revolutionary framework for delivering ideal health care. Its large-scale application could shift clinical practice from an imprecise and imperfect, post-hoc, treatment-based approach to one that leverages applied bioinformatics to create highly individualized, patient-specific precision guidelines for maintaining good health.

Fitness landscapes are well-known conceptual models in and beyond the field of evolutionary biology. We have applied the main principles of species-level fitness modeling to a scaffolding of physics and, using the predictive power of computational algorithms, propose a data-driven bioinformatics approach to clinical practice that can revolutionize Health care.

Energy metabolism and well-being are intrinsically linked. Mitochondrial energy production and metabolic efficiency begin to decline around age 30. But its normally slow decline and accompanying susceptibility to disease are accelerated and exacerbated by chronic physical and emotional stress.

In the PFL model, as in those on which it is based, physical form is visualized as existing in a three-dimensional landscape of hills and valleys. From the valley bottom zone of stability, representing basic homeostasis and good health, we are continually pushed higher by internal and external stressors. What matters is how quickly and easily we can get back to the baseline.

Poor diet, excess alcohol, lack of exercise, disturbed microbiota, smoking, work and family pressures. They all serve to send us to a precarious summit from which we could plunge, without warning, at the slightest additional provocation. For the young and fit, life stressors correspond to gentle slopes in the PFL model. But for the elderly and unhealthy, any added stress could be the final push to diabetes, heart attacks, strokes, Alzheimer’s disease, cancer or untimely death.

The toxic effects of stress are cumulative. Without stress resilience, each new stressor can land us on a new baseline – a higher plateau, far above the valley safe zone. This zone of instability is where inflammatory and metabolic syndromes take hold. From there, uncontrolled stressors inevitably lead us to the next plateau until we finally reach the threshold of criticality. Here at the top of the mountain, we can easily be pushed to the threshold of reversibility – knocking us off the top of the mountain into a state of unhealthiness where no intervention is likely to help.

We propose to use comprehensive metabolic panels at regular intervals to establish a baseline of well-being for each patient. The accumulated data will allow us to easily discern even minute, asymptomatic changes in metabolic efficiency in the individual and, by anonymously collecting and combining this powerful bioinformatics, create algorithm-based preventive healthcare standards that will transform our field. .

The PFL model can serve clinicians as a conceptual and clinical tool for the development of therapeutic interventions aimed at altering the accepted trajectory of aging and chronic disease. By applying its principles to the care of individual patients, healthcare providers will be able to harness the power of data. And rather than treating existing illnesses, they will be able to see the warning signs of impending illness and stop it before it starts.

Photo: Metamorworks, Getty Images

Amazon Sale: 7 Beauty Products Under ₹600 to Improve Your Beauty Regimen

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If you are a skincare and beauty enthusiast, you must know how important it is to have a beauty regimen. It can often be too confusing or overwhelming to decide which product to choose, given that there is a wide range of beauty products available in the market. But don’t worry, we have your back covered! Here we have a list of beauty products that have great reviews on Amazon and are available at amazing discounted products on Amazon sale.

7 beauty products that will help you improve your beauty regime for sale on Amazon:

Enhance your daily beauty regimen with these high quality and affordable beauty products available for sale on Amazon.

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This alcohol-free facial toner made with natural ingredients helps tighten open and enlarged pores. Alcohol-free, the toner makes the skin smooth and healthy by hydrating it and maintaining the pH balance. A powerful skincare ingredient, the vitamin C in this toner helps keep skin clean, ensuring flawless, healthy-looking skin. Made from natural ingredients, the toner is free from harmful chemicals and suitable for all skin types. It is also safe for sensitive skin.

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Read also | Amazon Deals: 7 Cool Kitchen Gadgets That Are Super Useful

The Salt Suite offers a modern take on an ancient tradition

Locally Owned Halotherapy Brand Seeks to Expand Nationwide Through Franchising

WINSTON-SALEM, North Carolina, May 31, 2022 /PRNewswire/ — The Salt Suite® – the only salt therapy franchise in the United States, is pleased to announce plans for targeted national expansion through the provision of franchise opportunities. Leading the wave of change in the salt therapy industry, The Salt Suite is best known for its immersive salt therapy caves, which replicate the therapeutic environment of salt mines to relieve most respiratory, pulmonary and skin diseases. With eight locations open and operational throughout Florida, New Jersey and North Carolinathe brand aims to have 300 locations open within the next five years.

Since its founding in 2011, The Salt Suite has provided local communities with access to salt therapy and red light therapy. During 45-minute salt therapy sessions, a machine called a halogenator grinds dry, pharmaceutical-grade salt into microparticles, which are dispersed into the air in the salt rooms. Guests are free to get comfortable, relax, and breathe in the purified, antibacterial salt microparticles in the air.

“I believe we are currently seeing a nationwide reprioritization around personal health and well-being,” said Tiffany Dodson, CEO of The Salt Suite. “The pandemic is still fresh in the minds of many and has resulted in a surge in demand for our services. Americans seem to be turning away from big drugstores in search of all-natural ways to improve their health.”

Halotherapy, or salt therapy, has a history dating back thousands of years when ancient peoples around the world used the healing benefits of salt to help them breathe better, boost their immune systems and cleanse the body. harmful particles. Today, the benefits and effectiveness of halotherapy continue to be scientifically studied to explain the health benefits experienced by those who experience it.

“Our members really appreciate how halotherapy is antibacterial, anti-inflammatory, antimicrobial, 100% natural, drug-free and safe,” Dodson said. “We are in the business of producing positive health change that truly changes the lives of those we serve and that makes us immensely proud of what we do.”

The Salt Suite is now actively seeking passionate individuals who seek to bring the health and wellness benefits of halotherapy to their local communities. The investment required to open a Salt Suite franchise generally ranges from $218,150$467,600. For more information and research on Salt Therapy, or if you are interested in its franchise opportunity, please visit https://thesaltsuitefranchising.com/.

About the Salt Suite®

The Salt Suite is the only salt therapy franchise operating in the United States. Franchising since 2016, the brand currently has eight locations open across Florida, New Jersey and North Carolina. Dedicated to improving the lives of its customers through halotherapy, The Salt Suite helps relieve symptoms of allergies, respiratory and skin conditions, as well as serving those seeking an immune support solution. The Salt Suite is designed with you in mind – with options for adult or children’s sessions, subscriptions, skincare, salt stands or private events. For more information, visit https://thesaltsuite.com/.

SOURCE The Salt Suite

The Ultimate BC Staycation Guide: How to Portage Through Powell River

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Four weekend warriors seek a slice of classic Canadiana in Powell River

I’d love to say I came to the Powell River Canoe Route because it had been on my outdoor bucket list for a long time, but the truth is, I hadn’t been in a canoe since then. I was 12 years old and my connection to Powell River began and ended with ordering their excellent craft beers at the very urban watering holes of Vancouver. And while the even more famous West Coast Trail wasn’t on my bucket list either, it was on my buddy Kevin’s, and he coaxed a bunch of us into jumping aboard his pandemic adventure – including me, despite a good deal of apprehension around worries about my inability to physically carry the amount of Lagavulin needed for the trip.

Neal McLennan

So when British Columbia announced its pandemic ban on regional travel just days before our scheduled departure, the news was received with a mixture of deep grief (Kevin) and private elation (me). But we had already started our half-assed preparatory fitness program and I had also already bought a bunch of brand new gear that I couldn’t return (because I deliberately scraped it off so it didn’t look like a city ​​newbie). So we got together to figure out where in our health region we could still snatch some outdoor immersion — and it was Paul who invented Powell River.

Paul is a canoeist. He makes an annual trip to Algonquin and he freely uses words like portage and J-shot, so we gave him the responsibility of finding a route. Because Paul has also taken it upon himself to build an itinerary, we let some things slide, like his last-minute decision to take an empty plane from Vancouver (travel time: 35 minutes) while the rest of us carried all the necessary equipment. by road (journey time: five very scenic hours). And while I had infinite confidence in Paul’s pack planning, his suggestion to compress the standard five-day timeframe for the itinerary into three “hard” days worried me.

To allay my fears, I contacted Hugh Prichard, director of the Powell Lake Outdoor Learning Center and avid canoeist, to see if he could give Paul’s plan a local look. His extremely diplomatic response included phrases such as “Well, you could do it, but why?” and “Aren’t you interested in enjoying natural beauty?” In the end, we reached a hybrid plan that combined Prichard’s vast experience and Paul’s original idea (at least the canoeing part somewhere). We would arrange to be dropped off a quarter of the way through the traditional five-day route and picked up at the end, four days later. We would do at least one portage a day and camp along the way – since it was mid-June, we wouldn’t have to worry about reservations. If we were lucky, Prichard added, we might not even meet other people at all.

Powell River 4Neal McLennan

The next morning, with minimal fuss, we picked up our rental canoes and pushed out into the glassy waters of Lake Nanton. There really is something quintessentially Canadian about the way the bow of a canoe silently slices through the water. This reverie, however, was frequently interrupted by my stern man, Mac, saying things like, “Neal, we both have to paddle” and (after telling me to paddle hard right only to see me immediately dig left ) are you sure you are not dyslexic? Still, our leisurely route allowed us to skirt around the lake, get a little lost, and find our way back to our first portage well in advance.

The concept of portage has entrenched itself in the Canadian psyche in a way that renders a more descriptive word, such as “carry,” less meaningful. But fortunately, my role in this work was, again, modest. One of Mac’s children had done the same canoe trip the previous summer and bragged about carrying the canoe all by himself. So Mac insisted he do the same, which left me carrying all of our bags – backpacks, front bags, side bags – and sadly trailing behind him like an overloaded Sancho Panza. The hikes were strenuous, but not grueling (that would come later: we had been warned that the final portage of the trip – the 2.4 kilometer trail at Windsor Lake – would test our mettle), and although most of us have good hiking boots, Paul accomplished it all in the same pair of Allbirds he wore on the plane.

Powell River 2Tomas Jirku

The first night we camped at a perfectly secluded site by Lake Dodd…then we fished a little, drank the entire trip Lagavulin and quickly fell asleep. In the morning, and despite a very rainy night, we woke up to warm sunshine with just a little haze on the water – the perfect combo for a Canadian postcard. And, like day one, our second day of paddling was mostly calm, save for the times we gazed up at the towering 6,000-foot Coast Mountains cascading around us directly into the water and one of us sarcastically asked, So, Paul, how does this compare to Algonquin?

The second night brought the double whammy of more rain and no whiskey, so we really understood how the early explorers must have felt. Like, exactly how they would have felt. But enforced abstinence served us well on day three as we closed in on the dreaded Windsor Lake Portage. It turned out to be a steep climb of around 80 meters followed by a descent of 111 meters and, although it was really difficult, it offered the immediate reward of several stunning vistas, the first being the view from Goat Lake, with Overlook Mountain looming over it. The portage’s final reward was the eerie paddle that followed it: navigating through the submerged ancient forest at the start of Lake Powell was very “hour two” from Revelation now…if Colonel Kurtz wore Allbirds. But when we emerged into the vastness of the lake (Powell is by far the largest lake on the circuit) and hit the wall of strong prevailing headwinds, it became clear that the final leg of our paddle was going to be the most difficult. Especially for Mac in the back of the canoe.

Like the winds, we prevailed and spent our last night in a cabin which is also part of the Sunshine Coast Trail. The day’s paddle work had me dreaming of reaching a hand-carved Swiss idyll with a wood-burning stove, but the simple plywood structure – no fire, nothing hand-carved – still offered a nice break. The next morning – our last day on the water – brought the same thing: Lake Powell is huge and, while we were there, very windy, and the abundance of cabins and motorboats made our choice to paddle a quaint feeling. But Mac was up for the challenge, and I even threw some more when it became clear our group was going to run to our last stop. (We won, thank you.) All in all, we made enough time on the final day to squeeze into nine holes, where Paul, no lie, took off his Allbirds for the first time in three days and put a pair of Teva water sandals that he had worn the entire trip.

MORE STAYS: 21 hidden places to hike, bike, paddle and relax in your own backyard

are they really that bad?

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When was the last time you turned your shampoo bottle upside down to read its ingredient list? Do that and you’ll likely find 15-30 hard-to-pronounce ingredients, usually ending in “-ol”, “-ate”, or “-yl”.

Cosmetic chemists aside, most of us will struggle to decipher this kind of information, which means it’s rare for a shampoo ingredient to become a household name. That is to say, with the exception of one: sulphates.

For years, hair care brands have proudly omitted sulfates from products.Credit:iStock

Within the beauty community, sulfates are a divisive ingredient due to fears that they can strip the natural oils from your scalp and hair, leading to dry hair and scalp sensitivity. There are tons of “sulfate-free” options touted as the gentlest choice for your hair and scalp.

Generally speaking, brands that choose to go “sulfate-free” shout it from the rooftops, while those that include sulfates in their formulas keep it rock bottom.

But recently, popular skincare brand The Ordinary went against the grain for the launch of its first-ever shampoo, highlighting the fact that yes, the formula does contain sulfates – even calling it the 4-way sulfate cleanser. % for body and hair.

“Rather than focusing on fear, we want to focus on facts,” says Prudvi Mohan Kaka, the brand’s Chief Scientific Officer. “When formulated correctly, sulfates are an extremely effective shampoo ingredient that can also be an environmentally sustainable option.” The sulfate chosen by The Ordinary is “readily biodegradable [and] can easily decompose completely and fairly quickly in the environment.

Rather than eliminating sulfates altogether, Kaka says The Ordinary wants to shift the conversation around this ingredient. “We lead with science and place great importance on educating our consumers to help provide everyone with the tools to make their own informed skin and hair care decisions.”

What are sulfates and why are they used in beauty products?

“In personal care products, a sulfate is a surfactant,” says Hannah English, pharmaceutical scientist and author of the soon-to-be-released book. Your Best Skin: The Science of Skincare. “A surfactant breaks the surface tension between oil and water so that the oil can be broken up and washed away.”

North America will lead the global transfer membrane market with

USA, Rockville, MD, May 30, 2022 (GLOBE NEWSWIRE) — According to this new research survey by Fact.MR, the transfer membrane market is expected to grow at a slow CAGR of 1.7% from 2022 to 2032. Currently , the Transfer Membrane Market holds a net worth of US$191.1 million.

The world has seen a significant increase in the prevalence of chronic and infectious diseases in recent years, which has propelled the demand for new therapeutic therapies. Increasing investment in research and development to meet the high demand for new drugs and therapies is expected to drive the demand for transfer membranes through 2032. However, the lack of qualified healthcare professionals and the availability of alternatives should have a disturbing effect on the transfer membrane. market potential. The COVID-19 dilemma has had various effects on the bioabsorbable coronary stent industry.

Major transfer membrane vendors are expected to focus on mergers, collaborations, partnerships, and acquisitions to develop their business potential and gain a competitive advantage over other transfer membrane companies.

Browse the in-depth table of contents at “Bioabsorbable Coronary Stents Market

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96 figures

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Key Jakeaways market research

  • Currently, the transfer membrane market stands at a net valuation of US$191.1 million.
  • The transfer membrane market is expected to grow at a CAGR of 1.7% from 2022 to 2032.
  • The transfer membrane market is expected to reach a valuation of US$226.3 million by 2032.
  • Rising investment in R&D, supportive government initiatives, and increasing prevalence of chronic diseases are expected to be major factors that will drive the transfer membrane market potential during the forecast period.
  • Lack of skilled healthcare professionals and availability of alternative methods is expected to limit the growth of transfer membranes market.
  • The North American transfer membrane market is expected to retain its dominant market share and account for US$78.8 million by 2032.
  • The demand for PVDF transfer membranes is expected to grow at a CAGR of 1.9% and reach US$125.9 million by 2032.

“Rising prevalence of chronic diseases and increasing investment in related research and development will drive the transfer membrane market potential“, says a Fact.MR analyst

This is attributed to an increase in the prevalence of coronary heart disease among low-income people and increased spending on postoperative intensive care units in hospitals.

To learn more about Bioabsorbable Stent market shareyou can contact our analyst at

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Winning strategy

Transfer membrane manufacturers are deploying various organic and inorganic strategies to increase their market presence and increase revenue generation. Transfer membrane suppliers are also focused on developing new technologies to advance membrane technologies and create effective solutions for various end uses.

Various medical device manufacturing companies have headquarters and manufacturing units in different countries, which could lead to an imbalance between supply and demand for the global bioabsorbable stents market share.

More valuable information in offer

Fact.MR in its new offering presents an unbiased analysis of the global Transfer Membranes Market, showcasing historical demand data (2017-2021) and forecast statistics for the period 2022-2032.

The study discloses essential market information on the basis of type (PVDF, nitrocellulose, nylon) and end use (academic and research, pharmaceutical and biotechnology companies, diagnostic laboratories, other end uses), in five major regions (North America, Latin America, Europe, APAC and MEA).

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Fact.MR’s Domain knowledge in Health care

Our team of healthcare consultants guide organizations through every step of their business strategy by helping you understand how the latest influencers explain the operational and strategic transformation of the healthcare industry. Our expertise in recognizing challenges and trends affecting the global healthcare industry provides much-needed insight and support – encompassing a strategic perspective that helps you identify critical issues and design appropriate solutions.

To understand how our report can make a difference to your business strategy, purchase a copy of this Request Bioabsorbable Stents report to https://www.factmr.com/checkout/7375

Discover more studies related to The health industryconducted by Fact.MR:

What are the key factors on the basis of which Cardiac Resynchronization Therapy Market grew?Cardiac resynchronization therapy devices are implanted in the body. The pacemaker is small enough to fit in the palm of your hand and is inserted just below the collarbone.

What factors propel the growth of Home infusion market?Continuous advancements in home infusion therapy, including the availability of caregivers, remote patient management, and transparency on quality of care, have supported the future growth of the industry.

What factors lead to Growth of the Biomarkers industry?Biomarkers are characteristics of the body that can be measured. Biomarkers are very critical for medicine in general. People are used to visiting the doctors and getting the test results of x-ray or CT scan results.

What factors lead to Growth of the basin, bowl and cup industry?The use of the basin, bowl and cup has been increasing year on year due to the increasing elderly population in the world. In recent years, the world has witnessed a growth in the number of elderly people who are the major consumers of basins, bowls and cups, which has led to an increase in the overall sales in the market size.

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Controversial YouTuber Jeffree Star will start selling Yak Jerky

  • Star Yak Ranch, owned by Jeffree Star, will begin selling yak meat through its online store.
  • Star trademarked Star Yak Ranch in categories such as butcher services in September 2021.
  • Star confirmed the new venture to Insider and addressed fan criticism.

Jeffree Star will begin selling yak meat through his Wyoming-based company, Star Yak Ranch, located in Casper.

Star Yak Ranch announced in an Instagram post on Friday that it will begin selling packaged yak meat through its online store as early as June. He also announced the products on the Star Yak Ranch Facebook page.

“Our delicious grass-fed #Yak meat will soon be available on our online store, hoping next month,” Star Yak Ranch wrote in the caption of the post, adding that Star Yak Ranch would be selling its yak meat to local residents of Casper and Wyoming on Saturday. during a pop-up event. Star Yak Ranch shared a photo of Star posing with local customers in a Facebook post.

This comes eight months after Insider previously reported that Jeffree Star LLC filed a Star Yak Ranch trademark in categories including butcher services, apparel and edible pet treats last September. Insider reported that Tibetan yaks are native to the Himalayas and are ox-like animals that can be bred for a variety of reasons, such as yarn made from yak fur and meat.

According to Insider’s report, Star responded to complaints about the potential sale of yak meat on Snapchat after speculation erupted online.

“So let’s say I mark it for yarn, cheese, breeding, butchery, etc., that doesn’t mean I do any of those things,” Star said in the Snapchat video. “When I lay on a yak and name it, nothing happens but brush it, love it, and feed it.”

A post shared by Star Yak Ranch (@staryakranch)

On Saturday, Star responded to the criticism in a chat with Insider.

“People keep saying, in the last 24 hours, ‘Well, Jeffrey, a year ago you said you were only going to use your pets for X, Y, and Z. ‘ But I think people forget that you can change your mind too,” Star said, adding that her business plan has “evolved” over the past year.

A post shared by Star Yak Ranch (@staryakranch)

“People keep making jokes like, ‘Are you slaughtering Swiss Chocolate and Buster?'” Star told Insider, referring to two of his yaks. “Any yak with a name tag is our pet, and we have a pasture at the back of my land where we just make food.”

Star, who said most of her yaks are for breeding and pets, also acknowledged fans who questioned the company because her makeup and cosmetics line was vegan and cruelty-free. While he considered it “disgusting” to test cosmetics on animals, he is intrigued by the “pasture-to-table” lifestyle.

“The idea of ​​raising an animal in peace and happiness from pasture to plate is something you don’t learn living in a big city like LA,” Star told Insider.

Long-time Star fans probably remember the prominent role fast food played in Star content

jeffree star

Star hosted a pop-up sale for residents of Casper, Wyoming on Saturday.

Rodin Eckenroth/Getty Images


Star has gained millions of views for mukbang content and similar videos.

“I was very pro-fast food on my social media. It was really my thing to wear Louis Vuitton and go to McDonald’s,” Star told Insider. “After years of this, it made me tired. My skin didn’t look as good as it used to.”

Star also said he became seriously interested in yaks after moving to Wyoming.

“When I moved to Casper, I Googled ‘Wyoming yaks’ and came across a yaks ranch 30 miles away,” Star continued. “After becoming friends with them, I kind of did an internship at their ranch.”

Star began documenting his move from Los Angeles to Casper, Wyoming in August 2020. He purchased a $1.1 million ranch and said he owned over 500 acres of property. Star previously lived in his infamous $14.6 million Hidden Hills mansion which he frequently featured in his online content.

“The makeup mogul has become a meat mogul,” Star told Insider. “It may be a little shocking to people, but it feels natural to me.”

Plan your route and ride according to your plan

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May 29, 2022

Ride the Pressure with Daniel Stewart: Plan Your Ride and Ride Your Plan

Photo USEA/Meagan DeLisle

This month, we’ll begin a summer series covering four mental preparation plans to help you build your confidence while loosening the hold that nervousness and fears have on you. The purpose of these plans is to give your brain something it craves: the perception of control. You see, when your brain feels in control, it allows you to control your emotions, but when that perception is suppressed, your brain perceives threat and stress… which lowers your confidence and heightens your nervousness and fears! This is when your emotions start to take control of you. In the end, you really only have two choices when it comes to riding, (1) controlling your emotions, or (2) letting your emotions control you…and that’s exactly what we’re going to spend on. been talking.

Even though the four planes work differently, they are all designed to help your brain feel the same sense of control, which they do by creating a series of predictable and repeatable pre-performance routines and/or pre-performance rituals. running that reduce the number of things that can go wrong, while helping you prepare for the ones that do happen. Remember, you can’t always predict when bad things will happen, but you can prepare…and your brain loves it (prepare = control)!

Before presenting the first plan, let’s talk about two common ingredients shared by the four:

  • Pre-performance routines: pre-defined actions that you will perform five days to five minutes before a major release.
  • Pre-Ride Rituals: Pre-set actions you’ll perform five minutes to five seconds before an important ride.

Runners never plan to fail, but sometimes they fail to plan and that’s where our first plan comes in. I like to call it the Plan Plan because that’s the plan that happens when everything goes according to plan! This is how you mentally prepare for an event where everything goes well and nothing goes wrong – no last-minute rain delays, pulled shoes, or refused loads. As you’ve probably guessed by now, it’s a great plan but doesn’t always happen (which is why there are three more!).

Here is an example of Plan Plan:

  • Five Days Ahead: Start a healthy diet and work on two skills your horse struggles with.
  • Four days before: Begin a light fitness (or yoga) program and continue to work on your horse’s skills.
  • Three days before: Start going to bed early and hydrating to be in top shape for the event.
  • Two days before: Decrease the intensity of your horse’s work and fill your trunk.
  • A Day Before: Give your horse a day off while creating a playlist of motivational music.
  • The night before: Watch a light movie to keep your spirits up.
  • Morning of: Wake up slowly with a few minutes of relaxing yoga and/or meditation.
  • Transportation: Listen to your motivational playlist while reminiscing about positive journeys from your past.
  • When you arrive: Put yourself in a good mood by showing your gratitude to at least three volunteers.
  • Montage: Give yourself a dose of confidence by sitting in a posture of power (think Superman).
  • Start of the warm-up: Let go of your worries by complimenting a few of your competitors.
  • Exit warm-up: Sit quietly for a few minutes while visualizing your ride (ride with confidence).
  • At the front door: Repeat a positive affirmation or mojo-mantra like, “I can do this, nothing to do.”
  • Enter the arena: take a deep breath, smile, pat your horse and say, “We get it.”

While I agree that this all sounds intensely TOC, if you repeat this plan in the same way before every major drive, you will begin to create a kind of predictable path to these events, which will ultimately satisfy your brain’s need for perception of the control- and let’s be honest, riders can be great control freaks. We would even control the weather if we could – but we can’t! The only thing you can control is yourself, so the best Plan packages just focus on things like your health (rested, fit, hydrated?), training your horse (peak at the right time?) and your spirit (excited, motivated, confident?).

I hope you enjoyed this month’s tip and are looking forward to the next three, slightly more unusual blueprints. Until then, I’m teaching my first Post-Covid Instructor Certification course next November in Naples, Florida. If you would like to join my team of coaches and start teaching Pressure Proof classes, seminars and/or clinics, just email me at [email protected] and I will send you more information!

State bill could help level the playing field for local businesses interested in infrastructure projects | Local News

A bill currently on Beacon Hill could help level the playing field for companies seeking a role in the state’s public construction projects.

It wouldn’t be too soon for some.

“We won’t bid for government jobs because we won’t get them,” said Brett Miller, manager of Building Envelope Systems, a Plainville construction company. He says that’s because companies using cheaper and often government-subsidized foreign materials can cut his costs.

The bill, known as the “An Act to Promote American Manufacturing” and introduced by State Rep. Joan B. Lovely, D-Salem, would require construction and improvement projects funded by the State costing over $500,000 to use materials made in the USA. Specifically, it would require that contracts for such work “contain a provision that iron, steel, fabricated steel and manufactured goods used or supplied in the performance of the contract or any subcontract will be made in the United States. The federal government is also tightening its Buy American rules this year.

With North Attleboro considering rebuilding or replacing its half-century-old high school over the next few years, as well as a new central fire station at some point, and other communities considering a variety of repairs infrastructure using federal pandemic relief funds, such regulations could have a major impact on local projects.

The bill, listed as S.2456, is currently before the state Legislature’s Joint Committee on Administration and Oversight and is due for release next month.

The proposal has won bipartisan support with some two dozen House and Senate members listed as petitioners, including local lawmakers Sen. Paul Feeney, D-Foxboro, State Rep. Shawn Dooley, R-Norfolk and State Representative Steven Howitt, R-Seekonk. Howitt says, “I think it’s important to support our businesses and show our support for American workers.”

In the Attleboro area, it appears the law would have somewhat limited impact. Construction companies large enough to undertake half-million-dollar projects do not represent much of the region’s manufacturing community. But Bill Larson, CEO and partner of Larson Tool, a century-old stamping and specialty machinery company in Attleboro, says it’s good to see the state government standing up for local businesses, even though it won’t affect his directly.

“I’m glad to hear that the government is spending money in this country rather than with countries that don’t like us,” he said.

Associated Industries of Massachusetts, a group of business owners that generally advocates what it sees as pro-growth legislation, has yet to take a stand for or against the bill, according to Christopher Geehern, vice president. public affairs and communications executive.

“We have had no formal conversations with our members about this and therefore have not yet taken a position on the legislation,” he said. “AIM’s 3,400 member companies drive the association’s political agenda and we will certainly incorporate their views in the future.”

Lovely, the bill’s sponsor, touted the bill’s benefits to The Eagle-Tribune in an interview last fall, saying it would help local manufacturers and put taxpayer dollars back into local coffers.

“[E]even if a contract goes to Canada, nobody spends money here,” she told the newspaper. “Their workers are putting that money back into their economy, and we’re on the losing side.”

Miller, CEO of Building Envelope Solutions, a 35-year-old company with 70 employees, agrees that Canada is the main culprit locally.

“It’s a royal pain for us, especially in the North East,” he said in a recent phone interview.

The difference, depending on the time of year, Miller says, “is 25 to 36 cents on the dollar” and, he adds, “no building in Canada is taking American steel.” The city’s $34 million municipal complex, which opened in 2019 just down the road from his company’s headquarters, was not a building envelope job, he said. “We couldn’t touch the cost difference.”

He argued that it is a mistake to say that the lower bids are actually a savings for the taxpayer. “You’re sending taxpayers’ money out of the country,” he said, repeating claims made by the bill’s author.

According to The National Post newspaper, the Canadian federal government spent nearly C$200 million (about $157 million in US dollars) in 2019 alone to subsidize the country’s steel and aluminum companies using a specially designed fund. origin to encourage innovation. The United States imposed tariffs on Canadian metals under the Trump administration.

Building Envelope Systems offers items such as structural steel as well as fabricated metal parts such as railings and stairs. Fortunately, Miller says, there’s a lot of private work right now to take over from city or state jobs. The company’s website touts its recent work at The Point in Wrentham, the apartment complex near the Route 1 and Highway 495 interchange.

Still, Miller says, more people should know about the state bill. “There must be a lot more light,” he said.

There is already a federal Buy American law, whose origins date back to the New Deal era and have been updated since then.

According to JD Supra, an online legal advice site, the Biden administration’s latest orders will make it harder for foreign companies to sell their assets to companies working on public projects in the United States.

A recent article on the site states: “Since 1933, with the passage of the Buy American Act, the federal government has, with varying degrees of success, attempted to eliminate or at least drastically reduce the purchase of products and foreign building materials.

In January, President Joe Biden signed an executive order to strengthen the Buy American Act provision targeting the use of foreign products and materials in federally funded projects, which is likely to “significantly reduce the ‘procurement of final products and building materials produced abroad by the federal government’. and state governments.

The Buy American Act applies to purchases over $10,000 by federal entities for public use and requires that such goods be produced in the United States. This means that the goods must be manufactured in the United States and that at least 50% of the cost of their components must come from the United States.

There are a number of waivers and exceptions to the law, however, and Plainville CEO Miller says “I’ve never seen that help” when it comes to foreign competition.

The latest measures taken by the administration, however, aim to strengthen these rules as part of the overall infrastructure effort.

The Biden administration has taken a key step to ensure that federal dollars will support manufacturing in the United States – by issuing requirements last month on how projects funded by the $1 trillion bipartisan infrastructure package s supply building materials, the Associated Press reported.

New guidelines released in April require that purchased material — whether for a bridge, highway, water pipe or broadband Internet — be produced in the United States. However, the rules also set up a process to waive these requirements in case there are none. enough domestic producers or the materials cost too much, with the goal of issuing fewer waivers over time as U.S. manufacturing capacity expands.

“There are going to be additional opportunities for good manufacturing jobs,” said Celeste Drake, director of Made in America in the White House Office of Management and Budget.

“From day one, every action I’ve taken to rebuild our economy has been guided by one principle: Made in America,” Biden said in a speech in Greensboro, North Carolina, in April. “We need a federal government that doesn’t just pay lip service to Buy America, but actually takes action.”

Biden said the roughly $700 billion the government spends annually on buying goods is supposed to prioritize U.S. suppliers, but regulations dating back to the 1930s have been watered down or applied in a way to mask use foreign imports.

The administration could not say what percentage of building materials for existing infrastructure projects is made in the United States, even though the federal government is already spending $350 billion on construction this year. The new guidelines would let government officials know how many dollars are going to American workers and factories.

John Miller, a professor at Wheaton College in Norton who teaches courses in economics and public policy, says he doesn’t know what “buy American” policies mean in terms of the cost of government or better use of the economy. taxpayers’ money.

Instead, “public spending must be part of an overall industrial policy to develop national industries and enterprises that can compete internationally, provide good, well-paying jobs, and coincide with other goals such as that ending our dependence on fossil fuels and promoting the use of alternative energy,” he wrote in an email to The Sun Chronicle.

“That can’t happen without directed domestic spending, but I don’t know if that means every government dollar has to be spent domestically.”

(Associated Press material was used in this story.)

The essential guide to foot care

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We need to take care of our feet if we want to make our life as comfortable as possible, especially during these seasons. Photo: Sazzad Ibn Sayed

“>


Tips and guides to take care of your feet during these difficult seasons.

We need to take care of our feet if we want to make our life as comfortable as possible, especially during these seasons. Photo: Sazzad Ibn Sayed

What is the part of our body that is overworked every day and yet always taken for granted? Our Feet! We stand on them all day, often in restrictive shoes and other footwear and more often than not we don’t catch up to the ordeal they go through. But at the end of the day, we need to take care of our feet if we want to make our lives as comfortable as possible.

Basic care

Just as we wash our face and brush our teeth every day, it’s essential to wash and care for our feet too. It is important to wash them daily with lukewarm water while showering, taking care to also wash between the toes. Soaping and rubbing your feet weekly will also ensure calluses are hard to form. This routine is essential to maintain to avoid bacteria, infections and odors. You should also moisturize your feet regularly with lotions and creams to avoid drying them out too much. Dry, dehydrated skin is always at risk of cutting itself and becoming more infected.

For all the latest news, follow the Daily Star’s Google News channel.

The right shoes

One of the most doctor-recommended ways to avoid foot pain and injury is to avoid tight-fitting shoes. Photo: Sazzad Ibn Sayed

“>


Tips and guides to take care of your feet during these difficult seasons.

One of the most doctor-recommended ways to avoid foot pain and injury is to avoid tight-fitting shoes. Photo: Sazzad Ibn Sayed

Our feet are more susceptible to injury simply because they carry our weight all day, are constantly stressed, and inevitably stub their little toes against the dining room chair. The good news is that many foot injuries are minor and can be avoided by simply wearing the proper footwear. Blisters and calluses (a visible indicator of ill-fitting shoes) are all common problems. One of the most doctor-recommended ways to avoid foot pain and injury is to avoid tight-fitting shoes and wear high-heeled shoes all the time. Tight shoes can expose you to bunions, a bony bump formed on the joint at the base of the big toe, which, if left untreated, may require medical attention.

diabetes and feet

Diabetes is a very difficult disease to live with and often people with diabetes have nerve problems etc. in their feet. First, get into the habit of checking your feet daily for blisters, cuts, ingrown toenails and the like – remember, something that’s common for most people can be a problem for you. Keeping your blood pressure under control also decreases the risk of poor blood circulation and nerve damage in your feet, which can lead to numbness in the feet, ulcers and chronic infections.

The foundation of our bodies are our feet – we use them every day to walk our pets, play with loved ones and care for them in the long run to avoid complications as we age. It’s time to love and care for our feet as much as they love and care for us.

Consumer and Corporate Debt Consolidation Market Report SWOT Analysis by 2030

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United States, New Jersey– The Global Personal and corporate debt consolidation market The 2022-2029 research report is a valuable source of insightful data for business strategists. It provides an overview of the industry with growth analysis and historical & future cost, revenue, demand and supply data (as applicable). Research analysts provide an elaborate description of the value chain and its analysis of distributors. This market study provides comprehensive data which enhances the understanding, scope and application of this report.

The research focuses on global players operating in the Consumer and Corporate Debt Consolidation market and includes information such as company profiles, product pictures and descriptions, capacity, production, value, income and contact details. This research provides essential statistics on the state of the industry and is a valuable source of information and knowledge for companies and individuals working in the market. Along with the CAGR projection, additional metrics such as year-over-year market growth, qualitative and quantitative data are provided. Market size, value, volume, product portfolio, market description, and categorization are all highlighted. Further, current trends and technical advancements in the Consumer and Business Debt Consolidation market are highlighted.

Click the link for a sample copy of the report: https://www.marketresearchintellect.com/download-sample/?rid=333933

Market segmentation :

Key players:

  • Discover personal loans (USA)
  • Lending Club (USA)
  • Payment (US)
  • SoFi (US)
  • FreedomPlus (US)

Segment by types:

  • Credit card debt
  • Overdrafts or borrowings

Segment by applications:

Scope of Consumer and Corporate Debt Consolidation Market Report

Report attribute Details
Market size available for years 2022 – 2029
Base year considered 2022
Historical data 2015 – 2020
Forecast period 2022 – 2029
Quantitative units Revenue in USD Million and CAGR from 2022 to 2029
Segments Covered Types, applications, end users, and more.
Report cover Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
Regional scope North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
Scope of customization Free report customization (equivalent to up to 8 analyst business days) with purchase. Added or changed country, region and segment scope.
Pricing and purchase options Take advantage of personalized purchasing options to meet your exact research needs. Explore purchase options

Get | Discount on the purchase of this report @ https://www.marketresearchintellect.com/ask-for-discount/?rid=333933

Regions are covered in Consumer and Corporate Debt Consolidation Market Report 2022 to 2029

For a comprehensive understanding of market dynamics, the global Consumer and Business Debt Consolidation Market is analyzed across key geographies, namely; North America (United States, Canada, and Mexico), Europe (Germany, France, United Kingdom, Russia and Italy), Asia-Pacific (China, Japan, Korea, India and Southeast Asia), South America (Brazil, Argentina and Colombia), Middle East and Africa (Saudi Arabia, United Arab Emirates, Egypt, Nigeria and South Africa). Each of these regions is analyzed based on market findings across major countries in these regions for macro-level market understanding.

Report Highlights

– Quantitative market information and forecast for the global consumer and corporate debt consolidation industry, segmented by type, end-use and geographical region.

– Expert analysis of the key technological, demographic, economic and regulatory factors driving Consumer and Business Debt Consolidation growth through 2029.

– Market opportunities and recommendations for new investments.

– Growth prospects for emerging countries until 2029.

For more information or a query or customization before buying, visit: https://www.marketresearchintellect.com/product/global-consumer-and-corporate-debt-consolidation-market-size-and-forecast/

There are 13 Sections to show the global Consumer and Corporate Debt Consolidation market:

Chapter 1: Market Overview, Drivers, Restraints and Opportunities, Segmentation Overview

Chapter 2: Market Competition by Manufacturers

Chapter 3: Production by regions

Chapter 4: Consumption by Regions

Chapter 5: Production, by Types, Revenue and Market Share by Types

Chapter 6: Consumption, by Applications, Market Share (%) and Growth Rate by Applications

Chapter 7: Comprehensive Profiling and Analysis of Manufacturers

Chapter 8: Manufacturing Cost Analysis, Raw Material Analysis, Manufacturing Expense by Region

Chapter 9: Industrial Chain, Sourcing Strategy and Downstream Buyers

Chapter 10: Marketing Strategy Analysis, Distributors/Traders

Chapter 11: Market Effect Factor Analysis

Chapter 12: Market Forecast

Chapter 13: Consumer and Business Debt Consolidation Market Research Findings and Conclusion, Appendix, methodology and data source

Lastly, the researchers shed light on the accurate analysis of the global consumer and business debt consolidation market dynamics. It also measures enduring trends and platforms that are driving market growth. The degree of competition is also measured in the research report. With the help of SWOT and Porter’s five analyses, the market has been thoroughly analyzed. It also helps in dealing with the risks and challenges faced by businesses. Also, it offers in-depth research on sales approaches.

Note: All of the reports we list have tracked the impact of COVID-19. The upstream and downstream of the entire supply chain were taken into account during this operation. Additionally, where possible, we will provide an additional COVID-19 update supplement/report to the Q3 report, please check with the sales team.

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Remembering Ray Liotta: The Actor Was More Than ‘Goodfellas’

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Freedmen was always destined to be the first film mentioned in Ray Liotta’s obituaries, and it was when the actor died suddenly, in his sleep, aged 67 this week. His performance as Henry Hill in Martin Scorsese’s gangster epic is one for the ages. Close your eyes and you’ll be able to hear his voiceover, that distinctive, almost sour chant that says, “As far back as I can remember, I’ve always wanted to be a gangster.” As Hill, in those striped knit shirts, he was seductive and dangerous, luring you into his life of crime just as he lures his hesitant girlfriend Karen (Lorraine Bracco). When, in the last act, he becomes tense and nervous – paranoid over the coke and his impending downfall – Liotta’s piercing blue eyes bear the brunt of that anxiety.

Henry Hill made Liotta an icon, but he was an actor who was always so much more than his most famous role.

Even before Freedmen was released in 1990, Liotta offered performances that could completely turn a movie upside down, bending the narrative to its will. In Jonathan Demme’s kind of romantic comedy something wild, he appears halfway through as Ray, the abusive and unstable husband of heroine Lulu, played by Melanie Griffith. Lulu begins the film as an unstable force for the audience. She traps nervous yuppie and courtier Charlie (Jeff Daniels) in her car and under her spell, driving him back to his hometown to attend his high school reunion. That’s where Ray comes in, hijacking Charlie and Lulu’s night by taking them on a low-stakes heist. Liotta is arguably the most physically beautiful, but he uses that beauty to terrifying effect. Menacing energy radiates from him, even when he laughs, a cackle that can chill your spine, his mouth gaping as if to devour the Charlie out of his depths.

Liotta was so good at playing off-balance that you could forget how sensitive he can be. Just a year before Goodfellas, he had the small but pivotal role of Shoeless Joe Jackson in field of dreams, who comes out of a cornfield years after being banned from baseball for rigging the World Series. It’s commonplace to say that a performance is “haunted”, but Liotta’s is. In just a few scenes, you see the weight of a man’s unfulfilled wishes as he is unstuck in time. It’s ghostly but charming. “Dude, I loved this game” – the way his eyes search as he whispers those words will break your heart.

More recently, Liotta had done some great work that was expected. He was hilarious as a bullish divorce lawyer in Marriage storysparring with Laura Dern in her Oscar-winning performance, and once again downright scary as an abusive mob boss in Steven Soderbergh No sudden movement. In the Sopranos prequel The Many Saints of Newark, he gave dual performances as twin brothers, representing both sides of Mafia life. And it has more performance on the way, including cocaine beardirected by Elizabeth Banks, and a comedy directed by Charlie Day starring Kate Beckinsale, Jason Sudeikis and Edie Falco.

So even though no one can blame you if you get on fire Freedmen to commemorate Liotta – he’s the best, after all – remember he was so good at so many things.

AM Best Confirms National Guaranty Insurance Company of Vermont Credit Ratings

AM Best affirmed the financial strength rating of A- (Excellent) and the issuer’s long-term credit rating of “a-” (Excellent) from National Guaranty Insurance Company of Vermont (NGIC) (Burlington, VT). The outlook for these Credit Ratings (ratings) is stable.

The ratings reflect the strength of NGIC’s balance sheet, which AM Best assesses as very strong, as well as its strong operational performance, limited business profile and appropriate management of business risks.

The ratings also reflect NGIC’s strategic role as the captive insurance company of Waste Management, Inc. (WM) WM, one of North America’s leading providers of comprehensive environmental waste management services. As a strategic and integral part of WM’s enterprise risk management program, the parent company fully funded the capitalization of the captive in the form of a demand note which generates net investment income to increase the annual surplus. Other supplements were provided in the form of letters of credit when warranted by changes in exposures. NGIC benefits from WM’s strong risk management strategies, which enable it to effectively and appropriately support part of WM’s financial assurance program. The company did not experience any losses under the program, but its expense ratio compares unfavorably to the surplus lines composite due to the nature of the financial assurance line of business and the expense focused on risk mitigation. Nevertheless, the company has been able to significantly reduce underwriting costs over the past five years to benefit more from operating profit and net income.

The stable outlook reflects AM Best’s expectation that the company will maintain its strong balance sheet and strong operating performance through active risk identification and assessment strategies.

AM Best remains the leading rating agency for alternative risk transfer entities, with more than 200 such vehicles rated in the United States and around the world. For current Best credit ratings and independent data on the captive and alternative risk transfer insurance market, please visit www.ambest.com/captive.

This press release relates to credit ratings that have been published on AM Best’s website. For all rating information relating to the release and relevant disclosures, including details of the office responsible for issuing each of the individual ratings referenced in this release, please see AM Best’s Recent Assessment Activity Web page. For more information on the use and limitations of credit rating opinions, please see Best Credit Score Guide. For more information on the proper use of Best’s Credit Ratings, Best’s Performance Ratings, Best’s Preliminary Credit Ratings, and AM Best’s press releases, please see Guide to Proper Use of Best’s Ratings and Reviews.

AM Best is a global credit rating agency, news publisher and data analytics provider specializing in the insurance industry. Headquartered in the United States, the company does business in more than 100 countries with regional offices in London, Amsterdam, Dubai, Hong Kong, Singapore and Mexico City. For more information, visit www.ambest.com.

Copyright © 2022 by AM Best Rating Services, Inc. and/or its affiliates. ALL RIGHTS RESERVED.

Debt Consolidation Market Size, Share and Trends 2022-2028, Forecast by Key Players

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The Global”debt consolidation market“The report provides insight into the global industry, including valuable facts and figures. This research study explores the global market in detail such as industry chain structures, raw material suppliers, and manufacturing. The debt consolidation sales market examines the major segments of the market scale. This smart study provides historical data as well as a forecast from 2022 to 2028.

The entire value chain and the critical downstream and upstream elements are examined in this report. This market report covers technical data, manufacturing facility analysis, and raw material supply analysis for Debt Consolidation industry and also explains which product has the highest penetration, its margins beneficiaries and its market shares.

Main Drivers and Obstacles:

High-impacting factors and driving forces have been studied in the Debt Consolidation market report to help readers understand the overall development. Additionally, the report contains restrictions and challenges that may hinder players. This will help users pay attention and make informed trading decisions. The specialists also looked at the next business prospects.

In its latest report, ReportsGlobe offers a comprehensive overview of Debt Consolidation Market with emphasis on keyword dynamics including driving forces, restraints, opportunities, trends and in-depth information on the structure of the debt consolidation market. Debt Consolidation Market sales in the global market will increase as business and advanced technology increase. With the covid-19 epidemic, companies have become very dependent on digital platforms to survive.

Debt Consolidation Market Segmentation:

Debt Consolidation Market, By Application (2016-2027)

Debt Consolidation Market, By Product (2016-2027)

  • Credit card debt
  • Overdrafts or borrowings
  • Others

Key Players Operating in the Debt Consolidation Market:

  • Marcus of Goldman Sachs (USA)
  • OneMain Financial (USA)
  • Discover personal loans (USA)
  • Lending Club (USA)
  • Payment (US)

Debt Consolidation Market Segment Analysis

Market research explores new data in the Debt Consolidation Market report. It examines the market size in terms of the value of each segment, as well as how market dynamics are likely to change over time. The report then divides this information into types and proposed applications, with a geographical breakdown (North America, Asia, Europe, and Rest of the World). In addition, the report examines the structure of the industry, offers estimates of growth, forecast period, revenue value, and volume in industrial applications, and sheds light on industry competition.

Scope of Debt Consolidation Market Report

ATTRIBUTES

The description

ESTIMATED YEAR

2022

YEAR OF REFERENCE

2021

FORECAST YEAR

2022 to 2028

HISTORICAL YEAR

2020

SECTORS COVERED

Types, applications, end users, and more.

REPORT COVER

Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends

BY REGION

North America, Europe, Asia-Pacific, Latin America, Middle East and Africa

Debt Consolidation Market Regional Analysis:

The Debt Consolidation market research report details current market trends, development outline, and several research methodologies. It illustrates the key factors that directly manipulate the market, for example, production strategies, development platforms, and product portfolio. According to our researchers, even minor changes in product profiles could lead to huge disruptions in the factors mentioned above.

  • North America includes the United States, Canada and Mexico
  • Europe includes Germany, France, UK, Italy, Spain
  • South America includes Colombia, Argentina, Nigeria and Chile
  • Asia Pacific includes Japan, China, Korea, India, Saudi Arabia and Southeast Asia

Goals and Objectives of Debt Consolidation Market Research

  • Understanding the opportunities and advancements in Debt Consolidation determines the market strengths, along with the key regions and countries involved in the market growth.
  • Study the various segments of the Debt Consolidation market and the dynamics of Debt Consolidation in the market.
  • Categorize debt consolidation segments with increasing growth potential and assess the market for the futuristic segment.
  • Analyze the most important trends related to the different segments that help to decipher and convince the debt consolidation market.
  • Check region-specific growth and development in the Debt Consolidation Market.
  • Understand the major players in the debt consolidation market and the value of the competitive image of the leaders in the debt consolidation market.
  • To study the key plans, initiatives, and strategies for the development of the Debt Consolidation Market.

The study thoroughly examines the profiles of major market players and their key financial aspects. This comprehensive business analysis report is useful for all new and existing participants when designing their business strategies. This report covers KEYWORD production, revenue, market share and growth rate for each key company and covers the breakdown data (production, consumption, revenue and market share) by regions, type and applications. Historical breakdown data of debt consolidation from 2016 to 2021 and forecasts for 2022-2028.

Global Debt Consolidation Market Research Report 2022-2028

Chapter 1 Debt Consolidation Market Overview

Chapter 2 Global Economic Impact on Industry

Chapter 3 Global Market Competition by Manufacturers

Chapter 4 Global Production, Revenue (Value) by Region

Chapter 5 Global Supply (Production), Consumption, Export, Import by Regions

Chapter 6 Global Production, Revenue (Value), Price Trend by Type

Chapter 7 Global Market Analysis by Application

Chapter 8 Manufacturing Cost Analysis

Chapter 9 Industrial Chain, Sourcing Strategy and Downstream Buyers

Chapter 10 Marketing Strategy Analysis, Distributors/Traders

Chapter 11 Market Effect Factors Analysis

Chapter 12 Global Debt Consolidation Market Forecast

How Reports Globe is different from other market research providers:

The creation of Reports Globe has been underpinned by providing clients with a holistic view of market conditions and future possibilities/opportunities to derive maximum benefit from their business and assist in decision making. Our team of in-house analysts and consultants work tirelessly to understand your needs and provide the best possible solutions to meet your research needs.

Our team at Reports Globe follows a rigorous data validation process, which allows us to publish publisher reports with minimal or no deviation. Reports Globe collects, separates and publishes over 500 reports each year covering products and services in many areas.

Contact us:

Mr. Mark Williams

Account Manager

WE: +1-970-672-0390

E-mail: [email protected]

Website: Reportsglobe.com

15 Memorial Day Beauty Sale For 2022 You Can’t Miss

Memorial Day is the perfect time to get big discounts on everything from major appliances to mattresses. But when your idea of ​​”essentials” is all about finding the best makeup, skincare, and haircare deals, there’s no limit to the number of big sales you can find across the board. .

To help you get ready for summer, beauty retailers are dropping prices on brands customers love ahead of Memorial Day weekend. Whether you’re looking to try a lightweight moisturizer, experiment with a bold lip, or protect your color-treated hair from the harsh rays of the sun, these deals can help you revamp your look.

To help you stock up on your summer must-haves, we’ve rounded up some of our favorite finds to help you ditch your winter products and switch up your beauty routine this season.

Memorial Day Makeup Sales

Urban Decay Naked2 Basics Eyeshadow Palette

If you like to look natural in the warmer months, this cult classic palette is 17% off at Amazon. According to the brand, it includes six neutral matte eyeshadows that are blendable and long-lasting. The case is also compact, making it easy to toss in your purse or take along for on-the-go touch-ups.

KVD Beauty Lock-It Concealer Cream

From May 27-31, Sephora is offering up to 50% off beauty must-haves. Right now, you can grab this KVD Beauty Full Coverage Concealer for just $14. The 14 shades offer a creamy, matte finish and a formula that is both melting and hydrating thanks to a hydra-boost complex.

In addition to the massive sale, you can benefit from free shipping with the code FREE BOAT.

Estée Lauder Double Wear Stay-In-Place Makeup

Estée Lauder’s No. 1 foundation is on sale during SkinStore’s Memorial Day sale. Available in over 50 shades, this full coverage liquid foundation has a matte finish and is sweat and water resistant. The brand boasts that it can stay put for up to 24 hours.

Want more makeup must-haves? SkinStore is offering up to 50% off select products and an additional 10% off most items with code MD10.

MAC Cosmetics MAC Ruby’s Crew Love Me Liquid Lipstick

The warmer months sometimes call for a bold lip, and you can grab this MAC liquid lipstick in a stunning red shade for 35% off. It contains moisturizing ingredients such as shea butter and argan oil and, depending on the brand, can last up to 12 hours on the lips.

Smashbox Photo Finish Pore Minimizing Base

Smashbox is hosting its “Wet Hot Summer Sale” – and the more you buy, the more you save! One of the things you can throw in your shopping cart is the brand’s Pore Minimizing Primer. Wear it under your favorite foundation for a matte, oil-free finish.

Memorial Day Skin Care Sales

Coola Classic Liplux Organic Lip Balm

While you’re hitting the beach and lathering yourself up with sunscreen, don’t forget that your lips need protection too! This organic lip balm from Coola contains antioxidants and SPF 30 that can help keep your lips hydrated and protected. Redeem Code SUN to get 20% off during the Dermstore Summer Sale.

CeraVe AM Moisturizing Face Lotion SPF 30

This Amazon’s best-selling moisturizer is a dermatologist-recommended product for a reason. Not only does it provide broad-spectrum SPF 30 protection, but it also contains hyaluronic acid and niacinamide for maximum hydration and skin-soothing effects, according to the brand.

Paula’s Choice Clear Extra Strength Kit

If you struggle with breakouts as the seasons change, you can get this three-step Extra Strength Kit at 20% off to help fight stubborn acne. The set includes an exfoliating cleansing solution and a benzoyl peroxide treatment.

EltaMD Daily Starter Skin Care Kit

Upgrade your skincare routine with this starter kit, an $83 value. Featuring some of the brand’s most popular products, the set includes EltaMD Foaming Facial Cleanser, Lightweight Skin Recovery Moisturizer, and Sheer UV Sunscreen. If you want to save even more, use the code MD10 to benefit from an additional 10% reduction on the sale price.

Obagi Nu-Derm Toner

Just in time for Memorial Day weekend, Skincare Essentials is offering 15% off select skincare and up to 25% off select exfoliators (with code PREMDW). Right now, we’ve got our eyes on this hydrating face toner, which features a non-drying, pH-balancing formula. It also contains witch hazel and aloe, which can help target problem areas, slough off dead skin cells, and boost hydration.

Clinique All About Clean Liquid Facial Soap

You can currently find many of Clinique’s skincare products on sale at Sephora, including this gentle facial soap. According to the brand, it is suitable for all skin types and is both oil-free and fragrance-free.

Memorial Day Hair Care Sales

Grow Original Gorgeous Hair Density Serum

Until May 28, you can get up to 50% off hair care products at Ulta’s Gorgeous Hair Event. If you’re looking for something to boost the health and volume of your locks, this density serum promises to give you thicker, fuller hair in just four weeks. Simply add the formula directly to the scalp and gently massage in, then let the hair-loving ingredients do their magic.

Ouai Detox Shampoo

During its Friends & Family sale, Ouai is offering 20% ​​off products sitewide (no code required). If you’re smart and want to breathe new life into your hair before the summer hits, you’ll add the brand’s best-selling detox shampoo to the cart ASAP. The clarifying treatment contains apple cider vinegar and keratin which can help remove buildup and keep your hair shiny.

Fekkai Technician Color Shampoo

If you’re planning on spending your summer in the sun or in the pool, you’ll want to protect your salon dye with an extended color shine shampoo. According to the brand, this sulfate-free shampoo extends the life of colored hair and is suitable for all shades, from blonde to black. Until May 31, Fekkai is offering buy two, get one free!

Kate Blanc Cosmetics Castor Oil

According to the brand, this castor oil is 100% certified organic and has versatile effects for stimulating hair growth on the scalp, eyelashes or eyebrows. A verified five-star reviewer said, “My eyelashes and eyebrows are longer, thicker and fuller. I would highly recommend this product to anyone looking for a natural and safe way to thicken and lengthen their eyelashes!”

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Golf Food Father’s Day Gifts for the Dad Who Loves New England

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June is steadily creeping towards us, which means Father’s Day is right around the corner. Whether you have a sporty dad, a barbecue dad, or a dad who loves spending time in the garden, there are plenty of options for made in New England gifts.

Curated by New England businesses, these products are available to buy online – or if shipping time is at a premium, many of these stores would make for a worthwhile day trip.

For the dad who watches The Food Network

Hot sauce lovers Kevin and Shannon Burke started growing hot peppers and working on their own sauce recipe after moving to Boston’s South Shore – a business that became Burke’s Hot Sauce – their line of sauces spiced in micro-batches made by hand.

Burke’s sells its creation at South Shore farmers’ markets and several locations, including Untold Brewing in Scituate and American Provisions in South Boston.

Forestbound Wildflower Honey.

Forestbound’s collection is full of items made in New England. Alice Saunders launched Forestbound from her living room in Boston 15 years ago, seeking to showcase reclaimed materials and vintage textiles she found at flea markets and estate sales across New England.

Experience their raw, unprocessed wildflower honey, harvested from the wildflower fields of a small New Hampshire bee farm, with “an intoxicating, robust flavor that embodies the natural botanicals of New England.” Perfect for dad to add to his tea or use in homemade barbecue sauce.

A lobster claw bottle opener by Merrymeeting Clay.

Made in Maine by Lisa-Marie offers a wide selection of items made by Maine artisans in their storefronts (in Portland and Bath) and in their online marketplace.

After:Brunch and day trip: this Mother’s Day, it’s time to hit the road

Lobster Claw bottle openers, made by Merrymetting Clay in Bath, Maine, are ceramic molded from real Maine lobsters, attached to a chrome bottle opener – they also offer similar designs to wine corks . This elevated way to open a cold would make a perfectly unique gift for dad.

For the dad who watches The Golf Channel

The Tour Jogger of Tee Up golf.

Golf gifts for dads are cliché for a reason: many dads love golf! Tee Up’s line of golf joggers and polo shirts are completely cut, sewn and designed in Massachusetts, offering a modern look with breathable, flexible, lightweight and water-resistant fabrics.

Give dad a gift he’ll use often, made right here in New England.

For the dad who watches HGTV

A surfboard-inspired charcuterie board from Driftway Designs.

Scituate artist Jenna Sammartino’s love of the ocean crashes like a wave over her resin cutting boards, serving trays, jewelry boxes, coasters, and other homewares — quite literally. Each of Driftway Designs’ pieces are handmade and unique, designed to bring the beauty of water into your home.

After:Needham loses a ‘phenomenon’ with the death of Harvey Katz

A lifelong sailor, Sammartino first worked with resin while doing repair work on his family’s 1984 sailboat Sea Sprite. She then began experimenting with resin art to make gifts for her husband, which led to her creative endeavor.

Wind bells from the north of the country.

Designed and handcrafted in Round Pound, Maine, the North Country Wind Bells make a stunning addition to Mom’s garden. Each bell is named after the geographic region that inspired the sound.

After years of working as a lobster fisherman, founder Jim May had the idea of ​​making his own bells to recreate the sound of bell buoys he found so reassuring to hear on the water. After recording the sounds from which he drew his traps, he carefully and methodically worked the steel to match the tones. Head to the company’s online store to hear the distinct chime of each bell.

A five-strip mat from Maine Rope Mats.

An offshoot of rope maker Waldoboro Custom Cordage, Maine Rope Mats are a utilitarian, stylish, and eco-friendly addition to any home. The company was born out of a desire to create more local jobs and use abandoned fishing ropes after the federal government banned the use of floating lines due to the danger to northern right whale populations. .

After:A Gift Guide to Local Shopping in Needham

Founder David Bird started small, selling doormats at local festivals, and the product has since taken off. In addition to their signature mats, the company offers baskets, key chains, dog leashes and more.

A puzzle from Brainstorm Puzzle Company.

Brainstorm Puzzle Company, a subsidiary of the New Hampshire Printing and Design Studio, offers puzzles featuring this studio’s colorful and whimsical illustrations. Engravers Briana Feola and Jason Synder initially added just one puzzle to their existing product line, but once the pandemic hit, design work slowed and puzzles became a hot-lock business. . They added new styles as fast as they could and it has since grown into a second separate business.

Gore Says Climate Crisis Looks Like a ‘Nature Hike Through the Book of Revelation’ | earth beat

Former Vice President Al Gore speaks during an event co-hosted by the Black Interfaith Project of Interfaith America at the Oprah Winfrey Theater at the Smithsonian’s National Museum of African American History and Culture, May 17, 2022, in Washington. (RNS/Adelle M. Banks)

Washington— Former Vice President Al Gore urged black interfaith leaders and environmental activists to step up joint efforts to seek solutions to the “twin crises of climate and racial justice”.

Speaking Tuesday (May 17) to about 100 representatives of Christian, Muslim, Buddhist and Native American traditions, Gore said faith leaders must continue their work because the effects of global warming disproportionately harm poor and vulnerable communities, including including neighborhoods predominantly occupied by people of color.

“Nineteen of the 20 hottest years ever measured with instruments date back to 2002, and watching the international television news every day feels like a nature hike through the Book of Revelation,” said Gore, who has founded the Climate Reality Project to advocate for responses to global warming.

“We must work to build bridges of understanding with those who suffer the worst impacts,” he added during an event co-hosted by Interfaith America’s Black Interfaith Project at the Oprah Winfrey Theater at the Smithsonian’s National Museum. of African American History and Culture.

Reverend Fred Davie speaks at the Smithsonian's National Museum of African American History and Culture, May 17, 2022, in Washington.  (RNS/Adelle M. Banks)

Reverend Fred Davie speaks at the Smithsonian’s National Museum of African American History and Culture, May 17, 2022, in Washington. (RNS/Adelle M. Banks)

Nearly 70% of black Americans have been found to live within 30 miles of a coal-fired power plant, creating threats to their health, he noted.

Gore and other speakers observed that African American religious leaders have sought to address these environmental and health disparities caused by the climate crisis, which he said “is at the heart of a spiritual crisis.” .

But black leaders of all faiths need to be more vocal on the issue, said the Reverend Fred Davie, senior racial equity adviser at Interfaith America, which is partnering with Religion News Service on a fellowship. of journalism.

“The black presence around and in this issue hasn’t been as big and as big as it could have been and should have been,” said Davie, who is also a board member of Gore’s project. “We seek to change that. And we particularly seek to change it not just from one point of view, but from the many religious perspectives that make up the black community in America.”

Karenna Gore, center, takes part in a panel at the event

Karenna Gore, center, participates in a panel during the “Black Interfaith in the Time of Climate Crisis” event at the Smithsonian’s National Museum of African American History and Culture, May 17, 2022, in Washington. (RNS/Adelle M. Banks)

Gore, who said his studies decades ago at Vanderbilt Divinity School helped him realize the “beauty and wonder of all creation”, was joined at the event by members of the next generation of leaders seeking to merge concern for ethics and equity with their environmental goals.

Karenna Gore, founder and executive director of Union Theological Seminary’s Center for Earth Ethics, the other co-host of the gathering, spoke of the need for religious communities to be “pastoral, prophetic and practical “. The Vice President’s daughter said pastoral care is needed to respond to those who deny there is a crisis. She also highlighted practical measures such as “greening places of worship” and joining those already on the front lines seeking to prevent oil and gas pipelines that threaten Native American lands and black neighborhoods.

Crystal Cavalier participates in a panel at the Smithsonian's National Museum of African American History and Culture, May 17, 2022, in Washington.  (RNS/Adelle M. Banks)

Crystal Cavalier participates in a panel at the Smithsonian’s National Museum of African American History and Culture, May 17, 2022, in Washington. (RNS/Adelle M. Banks)

Crystal Cavalier, co-founder of 7 Directions of Service, described how her Indigenous advocacy group helped lead a campaign to oppose the Mountain Valley gas pipeline, which the group and its allies believe could be harmful. She said their gatherings began with a time of interfaith prayer which helped build unity among activists.

“Once people feel comfortable and trust each other,” said Cavalier, a North Carolina member of the Saponi Nation’s Occaneechi Band, “it’s a lot easier to organize our communities, especially when it comes to the planet, environmental degradation and how we all need to stand up and fight back.”

William J. Barber III, director of climate and environmental justice at Al Gore’s project, noted that the current interfaith work involving people of color follows previous efforts by leaders such as the Reverend Benjamin Chavis of the United Churches of Christ. , who is credited with coining the phrase “environmental racism”.

Ibrahim Abdul-Matin speaks at the Smithsonian's National Museum of African American History and Culture, May 17, 2022, in Washington.  (RNS/Adelle M. Banks)

Ibrahim Abdul-Matin speaks at the Smithsonian’s National Museum of African American History and Culture, May 17, 2022, in Washington. (RNS/Adelle M. Banks)

“The presence of the black religious community in the inaugural stages of the environmental justice movement makes us realize that religious traditions have been and continue to be among our greatest bastions of activism,” Barber said.

Gore pointed out that when Barber’s father, the Reverend William J. Barber II, helped start a a new version of Reverend Martin Luther King Jr.’s campaign for the poor, it included environmental justice as well as the previous focus on the “three evils” of racism, poverty and militarism.

Ibrahim Abdul-Matin, a Muslim environmental activist, has linked the climate crisis to declining voting.

“Why do you think blacks and browns aren’t such regular voters?” said the author of “Green Deen: What Islam Teaches About Protecting the Planet”. “Because the climate crisis is pushing people out of their homes, forcing people to migrate that they don’t necessarily want to do. It’s a lot easier to vote when you’ve been voting at the same polling station for 30 years.”

The former vice president warned against following those who have gone from “climate denial to climate desperation” and missed the key step in between – taking action to seek clean energy solutions that he says can help solve the climate crisis and environmental racism.

“The transition to a cleaner future can also be a transition to a fairer and more equitable future,” he said. “Instead of building dirty fossil fuel infrastructure that drags down communities, we can harness sources like wind and sun to lift them.”

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Key Development Strategies of Debt Consolidation Market 2022 Implemented by Major Players: Marcus by Goldman Sachs (US), OneMain Financial (US), Discover Personal Loans (US), Lending Club ( United States), Payoff (United States)

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Global market research examines the performance of Debt Consolidation 2022. It contains an in-depth analysis of the state of debt consolidation and the competitive landscape globally. The Global Debt Consolidation can be obtained through market details such as growth drivers, latest developments, Debt Consolidation business strategies, regional study and future status of the market. The report also covers information including the latest opportunities and challenges in the plastic additives industry, as well as future historical and debt consolidation trends. It focuses on the dynamics of debt consolidation that are constantly changing due to technological advancements and socio-economic status.

Pivotal players studied in the Debt Consolidation report:

Marcus by Goldman Sachs (US), OneMain Financial (US), Discover Personal Loans (US), Lending Club (US), Payoff (US)

Get a free copy of the 2022 Debt Consolidation report: https://www.maccuracyreports.com/report-sample/401065

A recent Debt Consolidation market research analyzes the crucial factors of Debt Consolidation based on the current industry situation, market demands, business strategies adopted by Debt Consolidation players and their growth scenario. This report isolates Debt Consolidation based on key players, type, application, and regions. First of all, Debt Consolidation report will offer in-depth knowledge of company profile, their core products and specifications, revenue generated, cost of production, contact person. The report covers forecasts and analysis of debt consolidation at global and regional levels.

COVID-19 impact analysis:

In this report, pre and post COVID impact on market growth and development is well described for better understanding of debt consolidation based on financial and industry analysis. The COVID outbreak has affected a number of Debt consolidation is not a challenge. However, the dominant players in the Global Debt Consolidation are determined to adopt new strategies and seek new funding resources to overcome the growing barriers for market growth.

Access full report description, table of contents, table of figure, chart, etc. @ https://www.maccuracyreports.com/reportdetails/reportview/401065

The types of products uploaded in debt consolidation are:

Credit card debt, Overdrafts or borrowings, Other

The main applications of this report are:

Company, Private

The geographic region of debt consolidation includes:

Debt consolidation in North America (United States, North American countries and Mexico),
European market (Germany, French plastic additives market, United Kingdom, Russia and Italy),
Asia-Pacific market (China, Japan and Korea plastic additives market, Asian country and Southeast Asia),
South America plastic additive regions include (Brazil, Argentina, Republic of Colombia, etc.),
Plastic Additive Africa (Saudi Peninsula, United Arab Emirates, Egypt, Nigeria and South Africa)

The Plastic Additive report provides past, present and future Plastic Additive industry size, trends, and forecast information related to expected revenue, growth, Plastic Additive, and Plastic Additive supply scenario. Also, the opportunities and threats for the development of the debt consolidation forecast period from 2022 to 2029.

Please click here today to purchase the full report @ https://www.maccuracyreports.com/checkout/401065

In addition, the Plastic Additives report gives information about the company profile, market share and contact details, along with an analysis of the Plastic Additives industry value chain, rules and methodologies. of the plastic additives industry, the circumstances causing the growth of debt consolidation and the constraint blocking the growth. The scope of debt consolidation development and various business strategies are also mentioned in this report.

Evgeni Malkin and Kris Letang remain “in a perfect world”

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Pittsburgh Penguins general manager Ron Hextall wants to find a way to ensure Evgeni Malkin and Kris Letang stay with the club for the rest of their careers. “In a perfect world (Malkin) pulls off a Penguin,” Hextall said Monday. “And I think Tangier is the same.” In a perfect world, anyway. The NHL in the age of the salary cap is hardly that. leading a slide in a first-round loss to the New York Rangers, he joked “a little more headroom would be great.” He does not understand. The Penguins usually spent to the cap limit during the hugely successful era led by Malkin, Letang and longtime captain Sidney Crosby. That “spend to earn now” approach isn’t going to change with Fenway Sports Group now signing the checks after buying the club from Ron Burkle and Hall of Famer Mario Lemieux last fall. The question, however, is how much money the Penguins are willing to offer a pair of 35-year-old franchise icons who are less than two months away from entering free agency for the first time. Letang barely seems to have lost a step. The defender is coming off a season in which he collected a career-high 68 points while playing a little more responsibly on his own side. He averaged a staggering 25:47 of ice time and said last week he would like to play at least five more seasons. Letang is also finishing a contract that paid him $7.25 million per season. Given his fitness level and production, it’s reasonable to assume he’d command a slight raise on the open market, although Letang said last week that his preference would be to find a way to stay in Pittsburgh. . Malkin thinks the same, but his situation is trickier. He said ‘good players sign good contracts’ last week and although he has scored 20 goals this season despite missing almost half the year while recovering from a torn ACL in his right knee, he wasn’t particularly effective in 5-on-5 situations while commanding 9.5 million. He will also turn 36 in July and has missed at least 10 games due to injury nine times in his last 10 seasons. Hextall stressed that he would not provide details on the nature of the team’s discussions with Malkin and Letang, but hinted that he was not concerned about their ages. “They’re both great athletes,” he said. “They’ve both been here a long time. They’re both performing at a high level right now. We’d definitely like to have them in the mix come September.” Malkin and Letang’s respective statuses are the two biggest pieces of a very unwieldy puzzle Hextall must piece together over the summer. Forwards Evan Rodrigues, Brian Boyle, Rickard Rickell and backup goaltender Casey DeSmith are set to become free agents while forwards Danton Heinen and the enigmatic Kasperi Kapanen are restricted free agents. Hextall locked in a piece of the puzzle, signing forward Bryan Rust to a six-year contract over the weekend that will keep the versatile two-time Stanley Cup winner in the fold until 2028. Rust, who has scored 24 goals and 34 assists this season, suffered what Hextall called a minor knee injury recently but should be ready well before training camp. By then, Hextall will have some clarity on their team’s immediate future. He thinks he has it on his immediate past, praising the Penguins for their resilience during a turbulent season that included extended absences from Crosby and Malkin and a COVID-19 outbreak. Pittsburgh managed to extend its playoff streak to 16 straight years, the longest active streak in major North American professional sports. an arena with five Stanley Cup banners hanging from the rafters. Six months into FSG’s tenure, he doesn’t seem in a rush to make drastic changes, including in the front office. Hextall, who took over in February 2021 following the abrupt resignation of Jim Rutherford, appears to have an opportunity to guide the team through at least the early twilight stages of Crosby’s Hall of Fame career. “It’s okay,” Hextall said. . “(Fenway Sports Group is) totally determined to win. … We have certain things that we are looking at in terms of adding staff and other things. We are moving forward.”

Pittsburgh Penguins general manager Ron Hextall wants to find a way to ensure Evgeni Malkin and Kris Letang stay with the club for the rest of their careers.

“In a perfect world (Malkin) pulls a penguin out,” Hextall said on Monday. “And I think Tangier is the same.”

In a perfect world, anyway.

The NHL in the age of the salary cap is hardly that.

Perhaps that’s why, when Hextall was asked what was missing this season from a group that squandered a 3-1 lead in a first-round loss to the New York Rangers , he joked “a little more ceiling space would be great.”

He does not understand.

The Penguins usually spent to the limit during the hugely successful era led by Malkin, Letang and longtime captain Sidney Crosby. That “spend to earn now” approach isn’t going to change with Fenway Sports Group now signing the checks after buying the club from Ron Burkle and Hall of Famer Mario Lemieux last fall.

The question, however, is how much money the Penguins are willing to offer a pair of 35-year-old franchise icons who are less than two months away from entering free agency for the first time.

Letang barely seems to have lost a step. The defender is coming off a season in which he collected a career-high 68 points while playing a little more responsibly on his own side. He averaged a staggering 25:47 of ice time and said last week he would like to play at least five more seasons.

Letang is also finishing a contract that paid him $7.25 million per season. Given his fitness level and production, it’s reasonable to assume he would ask for a slight raise on the open market, although Letang said last week that his preference would be to find a way to stay in Pittsburgh. .

Malkin feels the same way, but his situation is trickier. He said ‘good players sign good contracts’ last week and although he has scored 20 goals this season despite missing almost half the year while recovering from a torn ACL in his right knee, he wasn’t particularly effective in 5-on-5 situations while commanding 9.5 million. He will also turn 36 in July and has missed at least 10 games through injury nine times in his last 10 seasons.

Hextall stressed that he would not provide details on the nature of the team’s discussions with Malkin and Letang, but hinted that he was not concerned about their ages.

“They’re both great athletes,” he said. “They’ve both been here a long time. They’re both performing at a high level right now. We’d definitely like to have them in the mix come September.”

Malkin and Letang’s respective statuses are the two biggest pieces of a very complex puzzle that Hextall must piece together over the summer. Forwards Evan Rodrigues, Brian Boyle, Rickard Rickell and backup goaltender Casey DeSmith are set to become free agents while forwards Danton Heinen and the enigmatic Kasperi Kapanen are restricted free agents.

Hextall locked in a piece of the puzzle, signing forward Bryan Rust to a six-year deal over the weekend that will keep the versatile two-time Stanley Cup winner in the fold until 2028. Rust, who has has 24 goals and 34 assists this season, recently suffered what Hextall called a minor knee operation, but should be ready well before training camp.

By then, Hextall will have some clarity on their team’s immediate future. He thinks he has it on his immediate past, praising the Penguins for their resilience during a turbulent season that included extended absences from Crosby and Malkin and a COVID-19 outbreak. Pittsburgh managed to extend its playoff streak to 16 straight years, the longest active streak in major North American professional sports.

Yet the Penguins also haven’t made it through the first round since 2018. That’s not the norm for a team playing in an arena with five Stanley Cup banners hanging from the rafters.

Six months into FSG’s tenure, there seems to be no rush to make drastic changes, including to the front office. Hextall, who took over in February 2021 following the abrupt resignation of Jim Rutherford, appears to have an opportunity to guide the team through at least the early twilight stages of Crosby’s Hall of Fame career.

“It’s okay,” Hextall said. “(Fenway Sports Group is) totally determined to win. … We have certain things that we are looking at in terms of adding staff and other things. We are moving forward.”

5 benefits of applying a lychee mask to your hair

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Fruits of all kinds go hand in hand with summers. And, one of these fruits is lychee. In addition to being delicious, the fruit has many surprising beauty benefits. Among many health benefits, lychee is good for the health of your hair. A lychee hair mask could be the solution to many of your hair problems

Here’s how you prepare it:

Peel 7-8 lychees and separate the seeds, take out the juice, add 2 tablespoons of aloe vera gel to it and mix everything well. Now apply this mixture on the hair and scalp. After lightly massaging the scalp for 2-3 minutes, allow to dry. After 1 hour, wash your hair with a mild, chemical-free shampoo.

Benefits of applying a lychee hair mask.

Hair cleaning

Lychee hair mask works wonders and repairs damaged hair as it makes the scalp dirt free.

Faster hair growth

Lychee provides necessary nourishment for hair, which makes it grow faster.

Makes hair dense

In addition to promoting growth, it is an effective recipe for thick hair. By including a lychee hair mask in your usual hair care routine, you can make your hair look longer and thicker.

Prevent hair breakage

Do you suffer from brittle hair? The lychee hair mask is the solution. Yes, the lychee hair mask helps control hair loss by restoring your roots.

The secret to soft, shiny hair:

Lychee acts as a natural hair conditioner, especially in summer. Lychee hair mask eliminates dryness and makes your hair soft naturally. In addition, many nutrients, including vitamins, present in lychee help to make hair shiny by giving it a natural color.

Read all the latest IPL 2022 news, breaking news and live updates here.

Artificial Intelligence Surveillance Expectations Outlined by US OCC – FinTech

On May 13, 2022, the United States Office of the Comptroller of the Currency (“OCC”) outlined some of the supervisory expectations regarding how the banks it regulates should manage risks associated with artificial intelligence (“AI”), including machine learning.1 Notably, the plan identifies the parts of the agency’s comprehensive risk management guidelines that are relevant to machine learning activities and explains aspects of how the agency intends to oversee machine learning technology. machine learning. In this legal update, we discuss some of the key AI-related risks and oversight expectations in the OCC’s recent overview.

Background

The outline of supervisory expectations for machine learning was released as part of congressional testimony. In May 2022, Assistant Operational Risk Controller Kevin Greenfield testified before the House Financial Services Committee’s Artificial Intelligence Task Force.2 Mr. Greenfield is well known in the financial services community as an expert in risk management practices and has held various leadership positions at the OCC since 2014. His testimony on AI included a 16-page written statement outlining the OCC’s views on AI, the key risks involved with AI, and some of the agency’s oversight expectations for the banks it regulates.

Main risks

The overview identifies four key risks associated with AI.

1. Explainability. Explainability refers to the extent to which a bank’s staff understand and can explain the results of its AI processes. Explainability is a risk associated with using AI, as a failure to understand an AI process or outcome could cause the bank to act in a way that harms its customers or fails to meet requirements. of consumer protection. Similarly, a lack of explainability means that a bank may be unable to apply model risk management practices to an AI process or technology, which could undermine safety and soundness.

2. Data management. Data management and governance refers to the risk that poor quality data or data that is not effectively managed by a bank could be used by an AI process in a way that leads to incorrect predictions or results. containing illegal biases.

3. Privacy and Security. Consumer data privacy and security is the risk that an AI process can expose sensitive consumer data to compromise. Additionally, some uses of AI may involve restrictions on the processing of certain types of consumer data.

4. Third party providers. Many AI technologies rely on third-party vendors for development or implementation. These third parties may pose a risk to a bank’s operations and use of AI depending on the criticality of the technology or service provided by the third party.

Supervision expectations

The sketch identifies five key supervisory expectations that the OCC has for banks that use AI:

1. Risk and compliance management programs. The OCC expects a bank to have well-designed risk management and compliance management programs that cover the use of AI. These programs should generally include controls to monitor the results of the AI ​​process to identify unwarranted risks or violations of consumer protection laws, including fair lending. In addition, large banks should be aware of the broader risk management requirements that apply under the enhanced OCC standards and be prepared to adjust their governance and risk management practices as appropriate. , when introducing or modifying AI activities.

2. Model risk management. The OCC has detailed oversight guidelines regarding a bank’s use of models (including for anti-money laundering compliance). Many AI processes would be considered role models by the OCC under its current leadership. Effective model risk management practices may include appropriate due diligence and risk assessment, sufficient and qualified personnel, governance and controls. These practices will be assessed by examiners using comprehensive procedures and may be subject to follow-up supervision.

3. Third-party risk management. The OCC expects banks to have an effective third-party risk management program that includes robust due diligence, effective contract management, and ongoing third-party monitoring. For AI, this generally means that a bank must control the acquisition and use of technology and must monitor the performance of the third party over time.

4. Principles of new and changed products. The OCC expects banks to put in place appropriate risk management processes to review and approve new and changed activities, including AI activities. Banks should determine whether they have assessed and understood the risks associated with any new or changed AI activities and whether they have determined that the activities align with a bank’s overall business plans and strategies.

5. Responsible Use of Alternative Data. The OCC expects banks to manage the consumer protection implications of using alternative data in underwriting, including in underwriting activities that use AI.3 This is often done by analyzing the relevant consumer protection requirements before implementing AI technology.

Conclusion

The OCC’s exposition of the key supervisory expectations that banks need to meet when using AI may not be as daunting as it first appears. Expectations are generally based on past CCO emissions and will be assessed as part of CCO’s risk-based review process. Therefore, it may be best to think of the CCO’s plan as a prioritized list of expectations that they will examine more closely during exams. Seen in this light, the scheme can be a tool that banks use to allocate their limited compliance resources to areas of greatest regulatory risk.

More broadly, federal banking regulators have been actively engaging on AI issues for several years, including launching a request for information from industry in early 2021.4 The OCC broadly notes that the agency continues to engage with other regulators to determine next steps, possibly including issuing guidance on banks’ use of AI. Hopefully agencies will also engage with banks to ensure that any guidance issued by agencies incorporates the many ideas the industry is constantly developing using machine learning and AI in new and innovative ways.

Footnotes

1. Press release, The assistant controller testifies on artificial intelligence (May 13, 2022), https://occ.gov/news-issues/news-releases/2022/nr-occ-2022-52.html. The OCC regulates domestic banks, federal savings associations, and federal branches and agencies of foreign banking organizations.

2. Working Group on Artificial Intelligence, Tracking the Codes – Using AI for Efficient RegTech (May 13, 2022), https://financialservices.house.gov/events/eventsingle.aspx?EventID=409378.

3. See our legal update on a recent Consumer Financial Protection Bureau draft that addresses algorithmic bias in automated valuation models: https://www.mayerbrown.com/en/perspectives-events/publications/2022/ 03/cfpb-publishes -proposals-to-prevent-algorithmic-bias-in-avms.

4. Please see our legal update on the 2021 request for information: https://www.mayerbrown.com/en/perspectives-events/publications/2021/04/rfi-on-financial-institutions-use- of-ai-offers-the-opportunity-to-shape-the-future-regulatory-framework.

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This article by Mayer Brown provides information and commentary on interesting legal issues and developments. The foregoing is not a complete treatment of the subject matter covered and is not intended to provide legal advice. Readers should seek specific legal advice before taking any action regarding the matters discussed here.

Chasing beauty: How to obtain, carefully maintain beautiful skin

What is beauty? The term “beautiful” can be attributed to any visible and tangible object, face, taste or even smell. However, abstract concepts can also take the adjective of beauty.

The ancient Greek philosopher Plotinus of the Hellenistic tradition had defined beauty as radiance, the light of the divine spirit reflected in the material world, while the 18th century German philosopher Immanuel Kant – one of the main thinkers of the Enlightenment – emphasized the subjectivity of beauty and put forward that beauty was not only related to feeling, but was also the result of one’s own judgments.

As the tastes of societies change according to cultures and times, it has been deemed impossible to speak of absolute and ideal beauty.

The characterization of a person as beautiful, whether it is a personal opinion or the common judgment of society, is often based on a combination of “inner beauty” such as personality, intelligence, elegance and charm and “external beauty” such as health, youth, relevance to average and prevalence, and of course, skin.

Today, I want to talk to you about one of the essential factors of “external beauty”: the beauty of the skin.

Starting skincare at an early age helps maintain beautiful skin later on. (Photo Shutterstock)

Beautiful skin?

Having clean skin is the most basic and essential part of having beautiful skin.

Skin problems are caused by the effects of nutrition, genetics and free radicals – unstable atoms that can damage cells, causing disease and aging.

Our priority should be to clean the remnants of free radicals, that is, the external factors that damage our skin.

So how do we do this?

There are different skin types that can be divided into four basic categories, namely oily, dry, combination – both oily and dry – and sensitive, and some also branch out on their own.

It is recommended to know your skin type by consulting a skin care professional.

The next step is to follow daily, weekly and monthly skin care routines.

You should wash your skin every morning at the start of the day and before going to bed at the end of the day, with products adapted to your skin type.

Of course, skincare isn’t just about washing your face, daily routines are required, like the steps that follow.

  • Wash your skin with a cleanser suitable for your skin type.
  • Spray on a toner suitable for your skin type and wait for it to dry.
  • Once the toner is dry, hydrate it with a moisturizer suitable for your skin type.
  • If your moisturizer does not contain sun protection factor (SPF), be sure to apply sunscreen.

Apply these steps throughout the year, summer and winter.

Now you are ready for a new day!

Follow the same steps at night, but obviously you don’t need to apply sunscreen.

You have to follow the morning and evening routines to cleanse your skin.  (Photo Shutterstock)

You have to follow the morning and evening routines to cleanse your skin. (Photo Shutterstock)

Along with the daily steps to follow, there are also weekly routines to follow to ensure the best results.

  • Wash with a cleansing product suitable for your skin type.
  • Spray on a toner suitable for your skin type and wait for it to dry.
  • Remove dead skin with a peel adapted to your skin type.
  • Spray on a toner suitable for your skin type and wait for it to dry.
  • Prepare a mask suitable for your skin type and rinse it off afterwards.
  • Spray on a toner suitable for your skin type and wait for it to dry.
  • Apply a serum suitable for your skin type and wait for your skin to absorb.
  • Hydrate your skin by massaging with a moisturizer suitable for your skin type.

Applying a toner after each treatment tightens pores and prevents dirt from building up.

When it comes to a monthly skincare routine, you need to get expert help.

When you apply these routines regularly, your dead skin cells and damage caused by external factors will disappear, and your skin will begin to repair and renew itself.

It will minimize acne problems and delay the signs of aging.

People with skin diseases or skin problems should consult a doctor before applying!

And, of course, all products to be used must first pass a small allergy test. To do this, apply a piece of product to the inside of your wrist and wait 5 to 10 minutes. If redness or itching occurs, do not use the product on your skin.

Ages and issues

At every stage of our lives, we face skin issues, old and new. From our youth to our old age, skin care never ends. It is therefore useful to know what problems tend to occur at what stage and what is important at what age.

Even babies need skin care.  (Photo Shutterstock)

Even babies need skin care. (Photo Shutterstock)

At the stage of adolescence, from zero to 20 years, the following phenomena can occur in the skin:

  • Acne
  • pores
  • Comedones (blackheads)
  • Cleaning and maintenance are very important at this stage.

At the youth stage, between 20 and 30 years old, we observe on the skin:

  • At this point, puberty-related issues subsided and the skin type began to change.
  • The first aging begins around the eyes in the late 20s, the thinnest skin is around the eyes. For this reason, an eye cream should be used from the age of 25.

At the stage of maturity, between 30 and 40 years, we observe:

  • The skin needs more vitamins and minerals.
  • Collagen and elastin begin to break down.
  • The night cream should be started at this point.
  • Serum ampule supplements produced for skin care are recommended.

At the stage of maturity, between 40 and 50 years, we observe on the skin:

  • The fibers begin to deteriorate further.
  • Hirsutism (excessive hair growth) begins at this stage.
  • The skin begins to sag.

At the stage of regression, between 50 and 60 years old, we observe on the skin:

  • The spots on the skin become deeper.
  • Aging and sunspots appear.
  • Wrinkles become evident.

In the last years, from the age of 60, it is recommended to massage your skin to help it recover and to apply serum ampoules.

Correct solutions, toners for your skin type are necessary for skin care.  (Photo Shutterstock)

Correct solutions, toners for your skin type are necessary for skin care. (Photo Shutterstock)

Natural formulas

Finally, I want to share with you formulas made with natural ingredients that are suitable for all skin types that you can prepare yourself.

For dark circles around the eyes you need;

  • 1 tablespoon coconut oil
  • 10 drops of arnica oil

Melt the coconut oil in a double boiler and add the arnica oil to it, and after cooling, use it around your eyes morning and evening.

For blotchy skin masks you need;

  • 1 tablespoon crushed fresh papaya
  • 1 teaspoon of argan oil
  • 5 drops of geranium oil
  • 3 drops Italian helichrysum oil
  • 1 drop clary sage oil

Mix all the ingredients and leave on the skin for 30 minutes before washing off. Repeat once a week.

For acne mark serum you need;

  • 10 milliliters pomegranate oil
  • 5 milliliters of wheat oil
  • 5 milliliters of baobab oil
  • 20 drops of Italian helichrysum oil
  • 10 drops of myrtle oil

Mix all the ingredients and let it work and apply four to five drops morning and evening on the pimples.

For peels intended to refresh the skin color you need;

  • 1 teaspoon ground rice
  • 50 milliliters of yogurt
  • 1 to 2 drops of lemon juice

Mix all the ingredients and use them as a peel in your weekly skin care routine.

For serum intended for use on wrinkles you need;

  • 1 teaspoon flax seeds
  • 1 teaspoon of chia seeds

Place the seeds in a tea glass of water in the evening and strain the mixture in the morning. The resulting gel is used as a serum for wrinkles.

That’s all for today.

Love yourself and your skin, and be sure to take care of the people and things you love.

Global Consumer and Business Debt Consolidation Market Share History and Forecast 2022-2030 – The Daily Vale

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This major report presents a clear view of the current performance of the global consumer and corporate debt consolidation market and its likely development in the coming years. The key findings of the Global Consumer and Corporate Debt Consolidation Market report focus on changing Global Consumer and Corporate Debt Consolidation Market dynamics, substantial new opportunities, critical forces likely to contribute to the growth of the global consumer and corporate debt consolidation market. in both advanced and developing economies.

This report focuses on the major players in the global consumer and corporate debt consolidation market:
Discover Personal Loans (US), Lending Club (US), Payoff (US), SoFi (US), FreedomPlus (US)

Get a FREE sample PDF copy of the report @ https://marketstrides.com/request-sample/consumer-and-corporate-debt-consolidation-market

The report undertakes research and analysis that helps market players understand the global Consumer and Business Debt Consolidation in Advanced and Developing Economies market status, future market scenarios, opportunities and to identify solutions on how to organize and operate in the Global Consumer and Business Debt Consolidation. market. The report begins by examining how the global consumer and corporate debt consolidation market has evolved through the pandemic to this post-pandemic point, the key forces at work, the implications of the covid pandemic -19 on business and policy makers. Most importantly, the report carried out an in-depth analysis of the selected segments and countries.

A detailed analysis of the capital-intensive market companies, their strategic trends and their impacts on industry production and growth are studied in the report. The objective of the report is to showcase forces that would impact different parts of the current global Consumer and Business Debt Consolidation industry. The report aims to map the risks faced by different regions, countries, and segments operating in the market, along with offering a range of options and responses. It recommends best practices to improve efficiency, protect against future risks as well as supply chains against possible threats. Finally, the report helps market players to anticipate trends and seize market opportunities with the data and forecast provided in the report.

Sector Consumer and Business Debt Consolidation: Main form of product:
Credit card debt, Overdrafts or borrowings, Other

Apps containing:
Company, Private

Global Consumer and Business Debt Consolidation Market Research Report Offers–

— The report discusses the main mergers and acquisitions, organic investments including R&D.
— The report presents a study on the response of major manufacturers to understand the elasticity of target markets.
– The report provides a detailed assessment of the long-term outlook of the global Consumer and Business Debt Consolidation Market.
– The report assesses business segments, products, services, and supply channels of the global Consumer and Business Debt Consolidation Market.
– The report highlights the challenges faced by global Consumer and Business Debt Consolidation Market players in expanding into new sectors, trading in certain goods or products during the pandemic, and expanding into new ones. consumer segments.
– The report highlights both opportunities and threats shaping the global consumer and corporate debt consolidation market, particularly the consumer segments.
– The report examines the Global Consumer and Commercial Debt Consolidation Market’s financial structure, business and operating models.
— The report identifies the innovation strategies adopted by well-established companies in the global Consumer and Corporate Debt Consolidation market.

Key questions answered by the report include:

  • Which new builders are strongly growth oriented and likely to achieve aggressive growth in the coming years?
  • What is the largest geographical area in the Global Consumer and Business Debt Consolidation Market?
  • How Did the Pandemic Diversify Impact on Global Consumer and Corporate Debt Consolidation Market GDP in Selected Countries?
  • What is the global economic outlook for the Consumer and Business Debt Consolidation industry?
  • What are the performance indicators of the Consumer and Commercial Debt Consolidation sector between 2019 and 2020?
  • How are market players recovering from the covid-19 pandemic?
  • What is the road to recovery from the covid crisis?
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    15 Gifts For Gemini Friends And Parents That Will Celebrate Their Cosmic Personality Traits

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    As Taurus season draws to a close, a playful air-centric star sign begins to take over. We’re talking about Gemini, one of the most outgoing and curious signs of the zodiac. Fortunately, finding the perfect gift for Gemini friends and relatives is far from a difficult task. This star sign will fall in love with just about anything that allows them to delve deeper into their current hobbies.

    Ahh, Gemini, the zodiac sign who is so driven to explore different creative pursuits that he had to cosmically double himself, hence his horoscope symbol as celestial twins, according to Allure’s resident astrologer Aliza Kelly. Described as an endlessly social and inquisitive butterfly, Gemini are known to be one of the most outgoing tarot signs, and often get a bad rap for having two faces – which is actually further from the truth, being given that the constellation Gemini is ruled by Mercury. , the planet that governs communication. So why not find them a gift that celebrates your Gemini friend’s greatest attributes?

    With Gemini season starting May 21 and continuing through June 20, the celestial return of your favorite air sign is just around the corner. If you need thoughtful gift ideas for your favorite Gemini, say no more. Below, take a look at some birthday gifts this particular zodiac sign is destined to love in the stars.

    All products featured on Allure are independently selected by our editors. However, when you purchase something through our retail links, we may earn an affiliate commission.

    New measures taken to improve the supply of HRT

    • HRT Supply Task Force Leader and Industry Identify Immediate Actions to Improve Short-Term Supply and Ensure Ongoing Stability
    • Other Severe Shortage Protocols (SSPs) published to give pharmacists the ability to substitute appropriate products

    Urgent steps continue to be taken to improve the supply of HRT products, helping those in need to access lifesaving medicines.

    Since the government has worked to resolve the supply of HRT and has put in place measures to do so – such as SSPs for certain products and the appointment of Madelaine McTernan as head of the supply working group in HRT – access to HRT is improving, helping those in need to access it. vital medicine.

    The availability of Premique Low Dose has improved with SSPs released on April 29 to limit the distribution of Estrogel, Ovestin and Premique Low Dose to three months supply. Since the implementation of these measures, new deliveries of all three products have been made, with Premique Low Dose returning to good availability this week. Manufacturers of Oestrogel and Ovestin, as well as suppliers of alternative HRT products, are taking steps to increase supply in the UK.

    Following a positive dialogue with pharmacists, the government has released further SSPs to give pharmacists the ability to safely offer high-demand substitute products to women – Oestrogel, Ovestin cream, Lenzetto transdermal spray and Sandrena gel sachets – with suitable alternatives, such as transdermal patches, which are well stocked.

    Giving women the option to switch products is a safe and effective way to ensure that HRT continues to be available to everyone who needs it and that women can continue to manage their menopausal symptoms. Anyone with questions or concerns about HRT should talk to their GP or pharmacist. Clinical advice for these SSPs has been drawn from national experts, including clinicians from the British Menopause Society and the Royal College of Obstetricians and Gynecologists.

    SSPs limiting prescriptions to a maximum of three months supply will also be issued for substitute products, as a precautionary measure to ensure continued supply of such substitutes.

    The move follows engagement between HRT Supply Task Force Leader Madelaine McTernan and the industry on measures to ensure the efficient use of current stock as well as increase supply, both at short term and to provide stability for the future.

    The meetings also allowed some suppliers to take quick action to secure additional stock of HRT products that are experiencing shortages, resulting in a good supply of Premique Low Dose that was previously experiencing shortages.

    Health and Social Care Secretary Sajid Javid said:

    We are working hard to ensure that HRT is available to everyone who needs it and I am pleased to see that vendors continue to increase the supply of certain products, which is a testament to the collaborative approach taken.

    Meetings with suppliers are ongoing and we are taking decisive action to manage HRT supply issues and reduce delays – this includes issuing additional PHCs so women can access the medicines they need.

    Madelaine McTernan, HRT Supply Task Force Leader, said:

    I am very encouraged by the constructive engagement across the sector and the enthusiasm with which providers and pharmacists seek to work with us to meet this challenge.

    It is essential to focus both on measures that ensure that we can use stocks in the most efficient way while guaranteeing the increase in supply”.

    Women’s Health Minister Maria Caulfield said:

    Improving supply stability is another key measure to increase support for postmenopausal and permenopausal women to improve their quality of life.

    Women’s health is a priority for this government – we are working around the clock to ensure stable HRT supply now and for the long term.

    The NHSE guidelines make it clear that prescribers are not restricted by formulary lists and are not prevented from prescribing a wider range of products.

    The British Menopause Society’s resource on HRT supply provides information on choosing alternative HRT products. Additionally, information on the most appropriate formulations for different populations and comorbidities is available on the NICE website.

    NHS England encourages prescribers to check the availability of HRT products before prescribing, consulting the NHS England Specialist Pharmacy Service website liaising with local pharmacies to identify available stocks and agree suitable alternatives if necessary.

    The MHRA has reminded manufacturers and suppliers of HRT of steps they can take to alleviate supply shortages and has supplemented existing guidance on this by holding workshops on May 16 with representatives from manufacturers, community pharmacies and wholesalers to ensure these provisions are understood. This includes confirming that pharmacies have the ability to share medications where appropriate. The MHRA is also working to consolidate its guidelines so that they are available from a single webpage, which will be available soon.

    The vast majority of HRT products remain available and alternatives are available for any products affected by supply issues.

    Background information

    • On April 29, the Secretary of Health and Social Care issued three SSPs for [restrict dispensing for Oestrogel, Ovestin and Premique Low Dose to three months’ supply](Three month limit for 3 HRT products to ensure continued access – GOV.UK (www.gov.uk)
    • Other SSPs have been issued to allow community pharmacists, in consultation with patients, to provide specified alternatives to prescribed HRT products without needing to seek permission from the clinician who prescribed the drug. Clinical advice for these SSPs has been drawn from national experts, including clinicians from the British Menopause Society and the Royal College of Obstetricians and Gynecologists. Further SSPs have been issued to limit distribution to three months supply for the two substitute products, estradiol patches and estriol cream, to ensure continued supply.

    • This does not mean that these products are out of stock, but will provide greater flexibility for pharmacists and ensure that more people can continue to access the medicines they need.
    • Products that can be substituted in case of unavailability are Oestrogel, Ovestin cream, Lenzetto transdermal spray 1.53 mg and Sandrena gel sachets 0.5 mg and 1 mg.
    • More details on Health Secretary Madelaine McTernan and Minister Caulfield’s meeting with suppliers and manufacturers
    • MHRA guidelines allow the transfer of drugs between pharmacies without the need for a WDA (wholesaler/dealer) license provided: it occurs occasionally; the amount of drugs provided is low; the supply is made on a non-profit basis; and the supply is not intended for subsequent wholesale distribution.

    NSF Helps Create First-Ever Masters Course Addressing Regulatory Compliance in the Natural Products and Dietary Supplement Industries

    NSF International (Ann Arbor, MI), the standards development, testing and certification body, has helped create what it calls the first-ever master’s course for nutrition companies that includes training in regulatory conformity. The course will be taught at the Southwest College of Naturopathic Medicine & Health Sciences (SCNM; Tempe, AZ) as part of its School of Nutrition’s Executive Master of Science in Nutrition Business Leadership program. “The program is designed exclusively for emerging and existing leaders in the nutrition industry,” reads a press release.

    The online degree program “equips graduates with essential, evidence-based nutrition, business and regulatory knowledge that adds immediate value to their organizations and careers,” he adds. . The program was developed with input from experts in the natural products industry. “It is truly a degree built by industry, for industry,” the press release reads, and is aimed at “busy professionals looking to advance their careers and distinguish themselves in the field.”

    The new course, which will be offered from May 2022, is called Food and Supplement Industry Policies and Regulations and will cover topics such as Current Good Manufacturing Practices (cGMP), Food Safety Modernization Act (FSMA), Preventive Controls and International Standards. This will complement other teachings in the program related to nutritional sciences, supply/value chain, and leadership and management in the natural foods and dietary supplements industry.

    “We are honored to partner with the remarkable team at NSF to create this important course for the already impactful MSNBL curriculum,” said Gena E. Kadar, DC, MS.MEdL, CNS, founding dean of the SCNM School of Nutrition, in a press release. “It is always exciting to see industry and academia come together in such a positive way for the benefit of students. NSF literally sets the standard for quality, and their meaningful contribution to our program helps us deliver on our commitment to developing confident, knowledgeable, evidence-based leaders ready to meet the unique and dynamic needs of the natural products industry.

    “The natural products industry is an exciting frontier. As the trusted expert in health food and dietary supplement industry policy and regulatory education, we are proud to play a role in developing global health leaders in this field,” said added Casey Coy, senior manager, training and consulting, dietary supplements and cosmetics. /personal care, NSF. “Working with SCNM to shape the minds of the nation’s brightest helps ensure that future consumers based on ethical standards deserve.”

    Students are happy to be back in the running at Washington State School for the Blind

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    Register, 12, and her mother Jacqueline Johnson had traveled from Tualatin, Oregon, to compete and spend time with her peers in the blind and visually impaired community. Since going blind at the age of 6, he has competed in similar racing events on a smaller scale.

    “It’s really cool to see so many other blind people. It’s more like a real track meet. It was cool to hear them announce my name,” he said, pointing to the nearby gazebo where the announcers were stationed, playing music and providing live commentary on the various competitions taking place throughout. the day.

    When registering for the event, students have the option of choosing their event schedule in large print or Braille, depending on their comfort level. Details like that, Butcher said, really help students and competitors feel less stressed about the event.

    Beyond the track, a community

    Sophomore Evan Gimmaka said he was especially excited to immerse himself in such a large community after the events of the past few years were more limited in scope.

    “See, I really like talking to people, and last year was empty,” said Gimmaka, 16, as he began the first stages of assembling one of his rubber bands. . Although he said he was not as keen on running, it should be noted that he too had just finished second in a hotly contested 50 meter race.

    Electricity generation news and jobs in coal, gas, nuclear and renewables








    POWER Magazine :: Power generation news and jobs in coal, gas, nuclear and renewables













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    Nuclear | May 18, 2022

    The Department of Energy (DOE) is set to decide whether it will build the 300 MWth Multipurpose Test Reactor (VTR), a national fast neutron reactor…





    Two nurses team up to open a new skincare spa in St. Joseph

    A new skin care spa is open in St. Joseph and it’s all the dream of two nurses who have been wanting to start the business for quite some time.

    Kimberly Leonor tells us that Naturally You Aesthetics Medical Spa was founded by her and Tatiyana Stankovic. The two worked for Spectrum Health as nurses and found that they both enjoyed helping others take care of their skin throughout their careers.

    The April opening of their new business was a little delayed, but Naturally You Aesthetics Medical Spa opened at 3860 M-139 on May 10. It’s the old Comcast building.

    Leonor says it’s been an exciting time since opening. The spa offers a luxurious environment in which to receive all kinds of skincare, from Botox to treatments for wrinkles, acne, and more. They also offer laser skin resurfacing and a full line of skin care products.

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    The grand opening of Naturally You Aesthetics Medical Spa will take place on June 1 with experts on hand to talk about the services offered and the local businesses represented. They will have refreshments, prizes and a raffle, courtesy of other local businesses. The event will take place from 6 p.m. to 8 p.m. and everyone is invited to come and discover the services offered by the new aesthetic medical spa in the region.

    You can learn more about the new company on its website and follow it on Facebook. Moody on the Market congratulates these two entrepreneurs for bringing new services to Southwest Michigan!

    Los Angeles Chargers and USA Football Award USA Football Spring Grants to Youth Leagues

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    805 Warhawks Athletics Inc. (Ventura), Anaheim Rams Pop Warner Football And Cheer (Anaheim), Balboa Raiders Youth Football & Cheer (San Diego), Bonita Buccaneers Youth Football & Cheer (San Diego), Boyle Heights Youth Football (Los Angeles) , Covina Vikings Youth Football (Covina), Crossroads Tigers (Granada Hills), Desert Hot Springs Eagles Youth Football & Cheer (Desert Hot Springs), East La Bulldogs Youth Football & Cheer (Menifee), Escondido Pop Warner (Escondido), Fallbrook Pop Warner Football (Fallbrook), Freedom Football (Bakersfield), Glendora Jr. All American Football & Cheer (Glendora), Greater Northeast LA Bears (Los Angeles), High Desert Jets Youth Football & Cheer (Adelanto), Hollywood Youth Football (Los Angeles) ), Huntington Park Youth Football & Cheer Association (Commerce), Inland Empire Hornets (Riverside), Jayhawks Sports Club, (Torrance), La Costa Canyon Pop Warner (Encinitas), La Verne San Dimas Pop Warner (La Verne), Lakewood Lancers Inc. (Lakewood), Los Bulls Toros Youth Football & Cheer (Spring Valley), MCAS Miramar Youth Sports Program (San Diego), Midwest Spartans (Bakersfield), Moreno Valley Pop Warner Football & Cheer (Moreno Valley), Murrieta Valley Pop Warner Football (Murrieta), Oceanside Monarch Athletic Association (Carlsbad), Oceanside Pop Warner Football & Cheer (Oceanside), Ontario Pop Warner (Ontario), Orange Empire Conference (Fullerton), Oxnard Panthers Youth Football & Cheer (Port Hueneme), Pacific Coast Youth Football (San Luis Obispo), Pasadena Wolves Youth Football & Cheerleading (Pasadena), Pico Rivera Dons Youth Football (Pico Rivera), Point Loma Pointers (Point Loma), Pomona Natives (Pomona), Poway Pop Warner (Poway), Premium Sports LA (Los Angeles), Rancho Hills Pop Warner (El Cajon), Redondo Beach Seahawks (Redondo Beach), San Diego Youth Aztecs (Chula Vista), San Gabriel Valley Punishers (Azusa), San Marcos Pop Warner Football & Cheer (San Marcos), Santee Ravens (El Cajon ), Saugus Spartans (Santa Clarita), Simi Va lley Bulldogs (Simi Valley), Skyline Youth Football & Cheer (San Diego), SoCal Trojans (Fontana), South Gate Aztecs (South Gate), South San Diego Bandits Youth Football and Cheer (Chula Vista), Spartans Mid-West Youth Tackle Football (Bakersfield), Temecula Valley Pop Warner (Temecula), Torrey Pines Pop Warner (Solana Beach), Victorville Cowboys Jr. All-American Football & Cheer (Hesperia), Vista Pop Warner Football & Cheer (Vista), West Coast Conference Pop Warner (Murrieta), West Covina Bruins Football & Cheer (West Covina), WestCoast Rebels Youth Football and Cheer (Carson) and Whittier Redskins Football & Cheer (Whittier).

    “It’s called Disco, so we buy it!” : the rise and rise of fancy cordials | Soft drink

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    AAs soon as the sun comes up in Brittany, you want to be outside with a drink. Socks are shrinking, shoulders are loosening, the park’s tennis courts are teeming with hopefuls counting the days until Wimbledon, and it’s starting to rain.

    You might assume that means alcohol. In a recent very hot week at the end of March, Waitrose said it saw a 600% increase in searches for ‘hearty summer recipes’, compared to February. It also says that when Wimbledon was canceled in 2020 (dashing Robinsons’ hopes of being the tournament’s official soft drink for the 85th consecutive summer), households stockpiled all sorts of squash for their homeschooled children, as well than what the industry calls “premium dilute” – heartfelt – for working-from-home parents.

    Ever since the soft drink industry tax in 2018, AKA the sugar tax, beverage companies have reduced the sugar content of these deals, but that doesn’t mean we’re drinking less. Supermarkets can barely keep up with demand. Waitrose is banking on the same nearly 10% increase in sales for 2022 as in 2021. “In any hot country this is what you need,” says Itamar Srulovich of Honey and Co. cold and something really sweet.”

    Until recently, “premium dilutes” basically meant cordial brands such as Belvoir Farm and Bottlegreen, and French syrups (Monin or Teisseire), which a Mumsnet user recently described as “a bit like squash but much more enjoyable”. How dilutes are sweetened is crucial to understanding their differences. In France, for something to be sold as a “fruit syrup», it must contain at least 10% fruit juice (7% if it is citrus fruits) and at least 50% sweetener (sugar, dextrose, honey, fructose). Syrups, on the other hand, are often sweetened in the same way, just less concentrated. Syrups and cordials are meant to be diluted (which basically means with water, still or sparkling), but where the ratio for cordial is usually 1:4 or 1:5, with syrups , it is 1:7.

    Strawberry and Sage from Urban Cordial. Photography: Scott Kimble/RP

    However, all that a dilute can be, in terms of flavor, has lately been spangled into an array of downright exhilarating possibilities. First of all, the cordials have been improved in taste and climate. Ex-financial auditor Natasha Steele launched Urban Cordial in 2016 to fight food waste. It uses surplus fruits and vegetables (120 tonnes of savings to date) and the entire production process is zero waste as the leftover pulp from juice making goes to farms as animal feed. “It’s really good quality. It’s good for you. And that feels good,” Steele says. “I think people want that.”

    Urban Cordial has received five Great Taste awards for unexpected flavor combinations. These include raspberry and rosemary; strawberry and sage; and apple, lemon and fennel. Of the latter, one commenter said, “Not too sweet. A Goldilocks product. Just right.”

    Some of the numbered cordials from Bristol Syrup Co.
    Some of the numbered cordials from Bristol Syrup Co. Photography: Publicity Image

    West Country brand The Bristol Syrup Co numbers its flavors, which range from classic simple sugar syrups (for making highballs and whiskey sours) to pineapple and coconut syrups. Although primarily for the bar trade, when Covid had us all mixing cocktails at home, people started buying Bristol syrups to drink themselves too.

    Steele says she has a list of recipes on her website, but mostly only mixes her syrups with water. “I tend not to recommend anything too elaborate because you don’t want to stray away from the cordial flavor.” Price and context are crucial here. Steele says that because her products are labeled as cordials, she can’t price too high (£6 for 500ml) because people just wouldn’t pay a high price for a cordial, when they will do for a shrub (a vinegar- based syrup flavored with fruit, often added herbs).

    And Bristol Syrup Company business development manager Greg Williams says the same thing: syrups are always mixed with something (you wouldn’t drink them neat). Mixologists will use them in cocktails. But just like French mint or grenadine syrup, they are also good with water. His passion fruit (number 5) is the best seller, and the grenadine Disco (a newcomer, at number 19) is highly regarded for its 1970s flamboyance. “People have come up to me and said : ‘Look, we don’t really care how it tastes, but it’s called Disco, so we’ll buy it.'”

    A December 2021 survey found that one in three UK drinkers regularly order low or no alcohol drinks, up from one in four in 2020. This trend has seen the low to no alcohol sector grow by 40% in the UK between 2019 and 2021. “Chic squash,” as a category, might not be quite what beverage purveyors are looking for with their 0% spirits and soft squash blends, but understanding what you pour, it’s not far.

    Six years ago, after designing drinks for restaurant group Dishoom, British mixologist Carl Anthony Brown tackled non-alcoholic spirits. Drinking, for him, has always been about flavor, and he found the options for anyone who wants to have a good time and not get drunk decidedly underwhelming. “Your choices were: water; tonic water – because it is water for adults, only because of its bitterness; some kind of soft drink, cola or other; or a mocktail. And that word just makes me angry.

    So he locked himself in a dark room with a notebook and every alcoholic spirit he could think of, and got very drunk, noting how each one felt, tasted and otherwise affected him – whether his cheeks were flushed or his dry mouth. He wanted to come up with a drink that would elicit a similar multi-layered experience for the drinker. As he says, “One of the best drinks in the world is Morrisons peach cordial with soda added, but you can’t really do that in a bar. People would say, “Sorry, you just use Morrisons brand cordial and mix it up.” They wouldn’t be happy.

    To achieve the complexity of a good cocktail, he worked backwards. Instead of trying a soft version of any individual spirits, he started with the basic categories of drinks they are mixed into. He offered three: citrus fruits (Cosmopolitan, G&T, lime vodka and soda); bitters (aperitifs, digestives, Italian bitters); and smokey (anything with whiskey, mezcal, or aged rum). Its versions are respectively based on fresh citrus fruits (tangerine, lemon, grapefruit, orange), hibiscus (with rhubarb and other floral notes) and lapsang souchong. And you mix them like you would a cocktail, with sodas, tonic water and such.

    Just as cordials were originally medicinal liquors of the Renaissance, believed to be guardians of health, many of these new drinks are, in fact, old ideas. Shrubs are a good example, mainly from the Mesopotamian/Persian sharbat tradition.

    Nonsuch Grapefruit Pineapple Spritz.
    Nonsuch Grapefruit Pineapple Spritz.

    Henry Chevallier Guild and his brother Barry were the eighth generation of their Suffolk family to own and run cider and vinegar makers Aspall, before selling them in 2018. Nonsuch shrubs grew out of that tradition. Where a cordial or squash has added sugar and water, these shrubs are made only from vinegar and fruit. Flavors include blood orange and bitter lemon; wild and pink hedge; and bittersweet apple and cardamom.

    “What I like about them is that they don’t try to be anything else,” says Chevallier Guild. “Vinegar adds balance while botanicals provide flavor and provide a savory element.” You end up with, he says, something really interesting.

    Cocktail of Citrus and Glasswort Shrubs from Sevenstones.
    Cocktail of Citrus and Glasswort Shrubs from Sevenstones. Photography: Publicity Image

    You can also get Cornish Shrub, now bottled in small batches by Sevenstones. Its recipe is based on that found in Elizabeth Moxon’s English Housewife of 1741, and contains a list of ingredients as evocative as the origin story of the Cornish shrub itself: sugarcane, samphire , honey, orange blossom, orange zest, orange juice, lemon. zest, lemon juice, cinnamon, cassia, cardamom, cloves, bay leaf, cordiander, rosehip, allspice and fennel. It is said that barrels of rum were sunk into the sea to avoid customs, and when the salt water spoiled the contents, a shrub (made with 500 oranges per barrel!) was added to make it drinkable.

    From Robinsons’ octogenarian affair with British tennis to smugglers filling rum with sea salt and citrus, the beauty of these drinks isn’t just their sweetness, it’s their romance. The promise of a universe in a cup on a hot summer day.

    2022 Student Loan Debt Stats: A Record High of $1.7 Trillion

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    Student loan debt in 2022 is now over $1.7 trillion.

    The latest student loan debt statistics for 2022 show that there are 45 million borrowers who collectively owe approximately $1.7 trillion in student loan debt. Student loan debt is now the second highest category of consumer debt – just after mortgage debt and higher than debt for credit cards and car loans.

    The Covid-19 pandemic has had a significant impact on student loans. In March 2020, Congress responded with historic student loan relief, including suspending federal student loan payments. President Donald Trump and President Joe Biden have both extended the student loan payment break several times. Biden suspended federal student loan payments until August 31, 2022. Student loan forgiveness has become the hot topic in student loans. For years, progressives in Congress have pressured Biden to forgive up to $50,000 in student loans. The president called on Congress to forgive up to $10,000 in student loans.

    If you are a student borrower, the following student debt statistics can help you make more informed decisions about student loan refinance, repay student loans faster and the cancellation of student loans.


    Student loan statistics: overview

    Total student loan debt: $1.75 trillion

    Total number of US borrowers with student loan debt: 45 million

    Direct Loans — Student Loans in Default: $110.5 billion (5.0 million borrowers)

    Direct loans with forbearance: $1,007.5 billion borrowers (24.8 million borrowers)

    (Source: Federal Student Aid, Educationdata.org)


    Civil Service Loan Cancellation Statistics

    In October 2021, the U.S. Department of Education announced a new limited waiver to help student borrowers who work in government gain better access to student loan forgiveness. The introduction of this limited waiver has changed student loan statistics for civil service loan forgiveness, making comparisons with previous years more difficult. As of March 31, 2022, here are the latest statistics on public service student debt:

    Cumulative Public Service Loan Waiver Forms submitted: 1,175,672

    Borrowers who submitted applications: 863 757

    Of which Public Service Loan Abandonment (PSL)

    LSP
    F), the Extended Temporary Remission of the Public Service Loan (TEPSLF) and the limited exemption:

    Borrowers whose student loans have been forgiven: 117,426

    Total balance of the student loan paid under the PSLF: $7.9 billion

    Average balance of paid student loans under the PSLF: $67,592

    (Source: US Department of Education)


    States with the most student loan debt

    Not surprisingly, states with larger populations have higher overall student debt. California, Texas, Florida and New York are among the top four states for total outstanding federal student loan debt among borrowers.

    California, Florida, Texas and New York account for nearly 30% of all US student borrowers. Collectively, borrowers in these states owe more than $450 billion in student loan debt.

    1. California: $141.8 billion

    2. Texas: $120.8 billion

    3. Florida: $100.9 billion

    4. New York: $92.7 billion

    5. Georgia: $68.6 billion

    6. Pennsylvania: $64.5 billion

    7. Ohio: $62.3 billion

    8. Illinois: $61.6 billion

    9. Michigan: $51.0 billion

    ten. North Carolina: $49.2 billion


    Student Loan Debt by State

    New Hampshire has the highest average student loan debt per student ($39,928) of the Class of 2019.

    Utah has the lowest average student loan debt per student ($18,344) of the Class of 2020.


    Breakdown of student borrowers by balance

    Over 44 million student borrowers have student loan debt of $100,000 or less. Over 38 million student borrowers have student loan debt of $60,000 or less.

    Over 3.0 million student borrowers have student loan debt over $100,000, of which approximately 900,000 have student loan debt over $200,000.

    The largest concentration of student loans is $20,000 to $40,000, representing 9.7 million student borrowers.

    Less than $50,000: 7.8 million borrowers

    $5,000 to $10,000: 7.4 million borrowers

    $10,000 – $20,000: 9.2 million borrowers

    $20,000 – $40,000: 9.7 million borrowers

    $40,000 – $60,000: 4.3 million borrowers

    $60,000 – $80,000: 2.6 million borrowers

    $80,000 – $100,000: 1.4 million borrowers

    $100,000 – $200,000: 2.4 million borrowers

    $200,000+: 0.9 million borrowers


    Number of student borrowers by age group

    According to the Federal Student Loan Portfolio, the largest concentration of student borrowers is between the ages of 35 and 49, followed by the 25 to 34 age group. There are 22.3 million student borrowers under the age of 34, with this group accounting for about half of all student borrowers. Strikingly, there are 2.5 million borrowers aged 62 or older who collectively owe $100.3 billion.

    Here is the breakdown of student borrowers by age:

    $103.4 billion (7.4 million borrowers)

    25 – 34: $493.6 billion (14.9 million borrowers)

    35 – 49: $622.9 billion (14.4 million borrowers)

    50 – 61: $284.2 billion (6.4 million borrowers)

    > 62: $100.3 billion (2.5 million borrowers)


    Outstanding student loan debt by student loan program

    There are 37 million student borrowers who hold approximately $1.4 billion in direct loans. About 9.9 million student borrowers hold $226 billion in Federal Family Education Loans (FFEL).

    Direct loans: $1,376.5 billion (37.2 million borrowers)

    Federal Family Education Loans (FFEL): $225.7 billion (9.9 million borrowers)

    Perkins Loans: $4.2 billion (1.5 million borrowers)

    TOTAL: $1,606.4 billion


    Outstanding Student Loan Debt by Student Loan Type

    Subsidized Stafford: $290.9 billion (30.1 million borrowers)

    Unsubsidized Stafford: $562.5 billion (30.1 million borrowers)

    Combined Stafford: $853.4 billion (34.3 million unique borrowers)

    Graduate PLUS: $90.6 billion (1.6 million borrowers)

    Parent MORE: $104.8 billion (3.7 million borrowers)

    Perkins: $4.2 billion (1.5 million borrowers)

    Consolidation: $553.3 billion (11.2 million borrowers)


    Student Loan Debt Statistics by Loan Status for Direct Loans

    About $1 trillion in direct loans out of 24.8 million student borrowers are in student loan forbearance as a result of the Covid-19 pandemic. About 7.9 million student borrowers are in student loan deferral or default.

    Student loans at school: $110.7 billion (6.1 million borrowers)

    Student loans in repayment: $16.0 billion (0.5 million borrowers)

    Deferred student loans: $100.5 billion (2.9 million borrowers)

    Forbearance student loans: $1,007.5 billion borrowers (24.8 million borrowers)

    Student loans in default: $110.5 billion (5.0 million borrowers)

    Student loans in grace period: $23.6 billion borrowers (1.2 million borrowers)


    Student Loan Debt Statistics by Repayment Plan for Direct Loans

    There are 10.7 million borrowers with $208.9 billion in student loan debt in the leveled student loan repayment plan (repaying student loans in 10 years or less), representing the largest concentration borrowers in repaying student loans.

    The second most concentrated group of borrowers is enrolled in Revised Pay As You Earn (REPAYE) with $201.4 billion and 3.4 million borrowers.

    Level repayment plan ( $208.9 billion (10.7 million borrowers)

    Level repayment plan (> 10 years): $77.6 billion (1.8 million borrowers)

    Graduated repayment plan ( $89.6 billion (3.1 million borrowers)

    Decreasing Repayment (> 10 years): $16.7 billion (0.3 million borrowers)

    Income Contingent Repayment (ICR) Plan: $37.8 billion (0.8 million borrowers)

    Income Based Reimbursement Plan (IBR): $172.0 billion (2.8 million borrowers)

    Pay As You Earn (PAYE) Plan: $112.5 billion (1.5 million borrowers)

    Revised Pay As You Earn (REPAY) plan: $201.4 billion (3.4 million borrowers)

    (Source: NSDLS)


    Student loan officer by loan status

    For direct loans and FFEL loans held by the U.S. Department of Education, here is the breakdown by these select student loan servicers:


    Student Loan Debt Statistics: Other Data

    Additionally, there are several other statistics regarding the state of student debt:

    • Nearly seven in 10 (65%) seniors who graduated from public and private nonprofit colleges in 2018 had student loan debt.
    • The average student loan debt at public colleges and universities is $30,030 (based on the average amount borrowed to get a bachelor’s degree).
    • The average student loan debt at private, nonprofit colleges and universities is $33,900 (based on the average amount borrowed to get a bachelor’s degree).
    • The average student loan debt at for-profit colleges and universities is $43,900 (based on the average amount borrowed to get a bachelor’s degree).
    • About 16% of student borrowers are under 25 years old.
    • About 65% of student borrowers are between 25 and 50 years old.

    (Data source includes: Institute for College Access and Success, National Student Loan Data System, US Department of Education, Educationdata.org, Enterprise Data Warehouse, Mark Kantrowitz, Federal Student Aid and FedLoan Servicing).


    Student Loans: Related Reading

    Bill Maher: Student Loan Forgiveness Is A ‘Loser’ Matter

    Biden confirms he won’t forgive $50,000 in student loans – 5 key takeaways

    Student loan forgiveness: 5 key takeaways from a major announcement

    Student loan forgiveness: Who might qualify for Biden’s plan

    Wow Skin Science: Singapore GIC may pay $75 million for Wow Skin Science participation

    Mumbai: Singapore’s sovereign wealth fund, GIC, is in talks to acquire a significant minority stake in direct-to-consumer (D2C) beauty and personal care brand Wow Skin Science for $75 million, four people with direct knowledge of the company said. the agreement.

    The deal would give the ChrysCapital-backed company a post-money valuation of $400-420 million.

    The company’s existing investors will also supplement the capital to maintain the stake, one of the people said.

    Last year, ChrysCapital acquired around 35% stake in Wow for $50 million, valuing it at Rs 900 crore.

    “The company will look to expand its offline presence and also push its online efforts by investing in technology,” another source said.

    It also evaluated some smaller acquisition targets to fill product and distribution gaps, the source added.

    Discover the stories that interest you



    Wow Skin Science and GIC did not respond to ET’s emailed queries.

    Founded in 2014 by brothers Manish and Karan Chowdhary, Wow Skin Science sells toxin-free beauty products made with natural ingredients in categories including skin, hair, nutritional supplements, bath & body, and wellness. be. It sells on e-commerce platforms, its own website, as well as physical stores.

    The company’s operating revenue rose to Rs 100 crore in the financial year ending March 31, 2021 from Rs 6.5 crore in the 2020 financial year, according to documents filed with the ministry. of Corporate Affairs.

    It posted a loss in FY21 of Rs 8.8 crore compared to a profit of Rs 9 lakh in FY20.

    Wow competes with D2C clean beauty and natural beauty brands such as Plum, EarthRhythm, Juicy Chemistry, Organic Harvest, mCaffeine, Beardo, Mamaearth and Bombay Shaving Company.

    It also sells worldwide and has a presence in markets such as the United States, the Middle East and the European Union.

    D2C beauty and personal care companies are gaining traction among investors, even amid fears of an impending slowdown in transactions. Companies such as Plum, Purplle, Sugar Cosmetics and Mamaearth have recently raised funds or are in the process of finalizing a new round, sources said.

    According to a latest report from Statista, India’s beauty and personal care market revenue stood at $26.07 billion in FY22. The market is expected to grow at a compound annual growth rate of 4.64% between 2022 and 2026. “In the beauty and personal care market, 10.7% of total revenue will be generated from online sales by 2022,” the report said.

    GIC, one of the largest and oldest global investors in India, has increased its presence in start-ups in India. He has invested in new-age companies such as Locus, Razorpay and Swiggy, among others.

    Stay on top of tech news and startups that matter. Subscribe to our daily newsletter for the latest must-have tech news, delivered straight to your inbox.

    Make four sweet seasonal puddings with a bunch of ripe summer rhubarb

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    As gloomy days are replaced by sunny skies, the arrival of spring brings with it a new harvest of seasonal fruits and vegetables.

    And with British rhubarb season running anytime between February and June, the start of spring welcomes the return of the lively, tart-tasting vegetable.

    As its neon pink stems fill gardens and farmers markets across the country, it’s the perfect time to buy a bouquet and cook up a storm.

    Whether you fancy making a classic crumble or are looking for something a little more original like a zesty fruit pot, OKAY!‘s Victoria Gray sums up some of her favorite seasonal rhubarb recipes…

    Rhubarb and custard tart

    For 6 to 8 people



    Cook up a treat with rhubarb and custard tart

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    Ingredients

    • 375g ready-to-use shortcrust pastry
    • 5 eggs, (1 beaten, for brushing, and 4 yolks)
    • 250g caster sugar
    • 1 vanilla pod, split and seeds scraped and reserved
    • 2 teaspoons cornstarch
    • 25g plain flour
    • 200 ml fresh cream
    • 350ml whole milk
    • 400 g forced rhubarb, cut into 4 cm pieces

    Method

    1. Butter a 25 cm fluted tart mold and line it with shortcrust pastry. Refrigerate for 20 minutes.
    2. Preheat the oven to 200°C/180°C convection/thermostat 6. Spread a sheet of baking paper over the dough, fill with baking beads and bake blind for 20 minutes.
    3. Remove from oven and remove paper and beans. Return the pie shell to the oven for 10 minutes, until golden brown.
    4. Brush the inside of the pie shell with the beaten egg, then return to the oven for an additional minute to dry.
    5. To make the pastry cream, whisk the egg yolks with 60 g of caster sugar, the vanilla seeds, the cornflour and the plain flour in a bowl.
    6. Add the fresh cream and milk to a saucepan and heat until boiling.
    7. Slowly pour the milk and cream over the egg mixture in the bowl, whisking briskly.
    8. Clean the pan and return the egg and milk mixture to it. Place over medium heat and whisk until thickened. Remove from heat and let cool completely.
    9. Add 300ml water and the remaining 200g sugar to a large shallow saucepan.
    10. Heat over medium heat until the sugar has dissolved. Increase the heat and let the mixture boil for 1 minute.
    11. Reduce the heat to low and gently add the rhubarb pieces.
    12. Poach for 5 to 10 minutes, until the rhubarb is tender but retains its shape. Then turn off the heat and let the rhubarb cool in the syrup for a few hours, or ideally overnight.
    13. To assemble the pie, spread the custard evenly over the base of the pie. Garnish with rhubarb pieces and drizzle with a little syrup. Refrigerate until ready to serve.

    Pots of rhubarb, ginger and lime

    For 4 people



    Jars of rhubarb, ginger and lime for a refreshing treat
    Jars of rhubarb, ginger and lime for a refreshing treat

    Ingredients

    • 600 g rhubarb, cut into small pieces
    • Finely grated zest of 1 lime, plus 1 tablespoon lime juice
    • 30g caster sugar
    • 200g ginger biscuits
    • 50g of butter

    For the lime cream filling

    • 300 ml fresh cream
    • 2 tablespoons mascarpone
    • 20g caster sugar
    • Finely grated zest and juice of 2 limes
    • 3 tablespoons coarsely chopped pistachios

    Method

    1. Put the rhubarb, lime zest, lime juice and sugar in a saucepan. Heat for 2 minutes over medium-high heat and cover with a lid. Reduce the heat and simmer for 10 minutes until the rhubarb is just tender.
    2. Remove from heat and let cool.
    3. Meanwhile, place the ginger cookies in a ziplock freezer bag and crush them with a rolling pin until they become crumbs.
    4. Add the butter to a medium saucepan and heat until melted, remove from the heat and add the ginger crumbs and stir well to coat. Let cool.
    5. Prepare the filling by putting the cream, mascarpone, sugar and lime zest in a bowl and beat until completely combined. Stir in lime juice, until mixture is glossy.
    6. Pour the crumbled ginger nuts into the bases of four pretty goblets or jam jars. Add rhubarb and coat with lime cream.
    7. Sprinkle with a few chopped pistachios and chill for an hour before serving.

    Waffles with rhubarb compote

    For 4 people



    Making a rhubarb compote is an excellent choice
    Making a rhubarb compote is an excellent choice



    Billie Faiers, Greg Shepherd and children Nelly and Arthur form an adorable family unit in the photoshoot

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    Ingredients

    For the waffles

    • 150g self-rising flour
    • 1 teaspoon baking powder
    • 4 teaspoons caster sugar
    • 1 large free-range egg
    • 200ml) milk
    • 40g melted butter
    • 4 drops vanilla extract

    For the rhubarb compote

    • 175 g forced rhubarb, cut into small pieces
    • 1 small blood orange, squeezed
    • 100g caster sugar
    • 1 vanilla pod, split

    Method

    1. Heat the waffle maker according to the manufacturer’s instructions.
    2. Mix all the dry ingredients together in a large bowl. Incorporate the egg little by little, then add the milk, butter and vanilla extract little by little. Whisk for a few minutes until you obtain a smooth and silky paste.
    3. Heat the oven to 180°C/160°C convection/gas thermostat 4.
    4. Using a ladle, pour the batter into your waffle iron and cook according to the manufacturer’s instructions. Repeat until all the batter is used up, placing your finished waffles on a baking sheet as you go.
    5. Once all the waffles are done, transfer them to the oven for 5 minutes to warm them up and crisp them up while you prepare the rhubarb compote.
    6. Place the rhubarb, orange juice, sugar and vanilla bean in a medium saucepan and bring gently to a boil.
    7. Once bubbling, reduce the temperature and cook over low heat for 15-20 minutes, stirring occasionally.
    8. Remove from the heat, remove the vanilla pod, stir and let the compote cool for a few minutes before pouring it over the waffles.

    Oat crumble with rhubarb

    For 4 people



    You can't go wrong with a rhubarb oatmeal crumble
    You can’t go wrong with a rhubarb oatmeal crumble

    Ingredients

    For the crumble

    • 100g plain flour
    • 50g rolled oats
    • 50g jumbo oats
    • 25g slivered almonds
    • 100g butter cut into cubes
    • 50 g golden caster sugar

    For filling

    • 175g forced rhubarb
    • 100g caster sugar

    Method

    1. Preheat the oven to 200°C/180°C convection/thermostat 6.
    2. Put the flour, both types of oats, slivered almonds, butter and sugar in a bowl and press together with your fingers to achieve a crispy texture. Pour onto a baking tray lined with baking paper and bake for 10 minutes.
    3. Meanwhile, cut the rhubarb into pieces and place in a baking dish with 4 tablespoons of water. Sprinkle with sugar and roast for 10-15 minutes, until the rhubarb is tender but still holds its shape.
    4. Remove from oven. Spread the filling over the roasted rhubarb. Return to the oven for another 15-20 minutes until the topping is golden brown.

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    Survey results show support for consolidation exploration of Winchester, Bluffs

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    WINCHESTER — Results from a community survey of Bluffs and Winchester showed that both school boards continue to explore opportunities for reorganization.

    Co-Superintendent Kevin Blankenship said the community response mostly showed support for the discussions to continue.

    The two councils met individually to discuss the results and next steps.

    “At Bluffs, I think a majority of the board is always reserved,” Blankenship said. “Bluffs council are concerned about losing the school as an integral part of the community.”

    In the Bluffs community, 301, out of a total of 315, people responded to the question asking if they support consolidation efforts. Of these, 218 – 72.4% – supported the board discussing/examining the consolidation of the two districts in more detail.

    Of those who responded, 76 were students, 36 were school staff, 83 were a parent/guardian and 120 were community members.


    In Bluffs, 108 respondents supported renovating the existing building, 122 supported constructing a new building and 83 selected ‘none of the above’.

    Only residents of the Bluffs neighborhood have answered this question, as there have been discussions about what to do with the current high school.

    Blankenship said many of those who selected “none of the above” suggested waiting to see if consolidation occurs.

    About a dozen people spoke to the board at the meeting, Blankenship said. Of these, two feared losing the school, while the majority of the others wanted to explore the options and decide which was best for the students, whether combining districts or another option.

    In Winchester, 485 people responded to the survey. Of these, 120 were students, 68 were school staff, 171 were parents/guardians and 126 were community members.

    Of the 429 people who answered the question about the reorganization efforts, 354 — 82.5% — supported the efforts.

    “The Winchester board seems very supportive, I think, and would like to continue to have conversations with Bluffs about the opportunities available and what can be done to help Winchester and Bluffs,” Blankenship said.

    While no decision has been made on whether or not to continue the process, Blankenship said discussions are continuing.

    Each council chose two people from each to meet to discuss each council’s positions and available options.

    Members will return to their Board of Directors and the discussion will continue at their individual meetings in June.

    The consolidation would fully bring together the two districts, which already share a superintendent and athletic programs.

    A feasibility study presented in April 2021 by Midwest School Consultants favored consolidation.

    According to the findings of the study, the two districts are quite well matched, with neither district having significant debt, both expected to see a declining population in the future, and both with buildings in need of renovations. The combined program would also provide more opportunities for students.

    On perioral dermatitis and adopting an “uncool” skincare routine

    Lastly, I hardly ever use any skincare products.

    That’s right. In an age where “prep with me” content dominates TikTok