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GRACEY shares new ‘Internet’ track | New


With her new EP ‘Fragile’ which arrives on October 15th, GRACEY gives us a taste of what to expect, by sharing a new track ‘Internet’.

“The Internet” is a very difficult time in my life where I experienced a great deal of hate online as I was just starting my career as an artist, ”she explains. “Getting into the process of writing and working on it was really cathartic, and tackling what made me feel broken and vulnerable head on ended up making me a lot stronger. Hopefully, this will resonate and do the same for others, as unfortunately hate online is becoming more and more common for everyone as social media continues to grow.

Speaking of the EP, she adds, “This EP is a collection of songs I wrote during the first (and most fragile) stage of my recent breakup. With some of my rawest thoughts and feelings, it literally feels like a four song journal entry at this point. I can’t lie, putting my emotions in the world like that makes me nervous, but I know when you’re scared to release something it’s good because it means it’s coming from a real place that people will connect. And when it all comes down, that’s really what it is for me.

“I find there is a lot of pressure to be ‘happier’ after the breakup, almost as a way to prove to yourself that you’re better off without them, so I wanted to play on the idea of ​​the EP through the upbeat synth. directed productions, which juxtaposes sad and heartbreaking lyrics, with artists like Robyn being a huge influence. One of the main things I realized while writing this EP is that to be vulnerable is to be fucking “courage. It finally means allowing yourself to feel and heal properly. To be fragile is to be strong. I am really proud of this work and I am excited for this next leg of my journey.”

See “Internet” below.

Reggae Festival Guide Magazine and Online Directory of Reggae Festivals Sizzla Releases Brand New Anthem with Chalice Row titled “Word Up”


Sizzla releases brand new anthem with Chalice Row titled “Word Up”

23 Sep 2021
Latest Reggae News


Sizzla releases a brand new anthem with Row of chalice called
” Speak “… A delivery to all the hardworking people
in the world to earn a living honestly. The Riddim was created
through Yungg Trip from Los Angeles, California and Sizzla was
recorded by Dr Edward Amour.
Now available worldwide:

“ZION IS WAITING” (Click on the image to watch the video)

Watch the all-new visuals of Young Shanty
for his song “Sion” an excerpt from
Riddim black roses


It’s official wedding season and Perfect Giddimani rings the bells loud on his latest effort titled “Marry you”.
The track has a very afro-dancehall beat vibe.
bouncy and contagious as the lyrics and melody give
it is great justice. You meet thousands of people and none of them
really touches you. Then you meet this person and
your life is changed forever. Pour wine and put on the disc,
press play, relax and enjoy!
Listen here on SPOTIFY
Listen here on APPLE


Highly skilled deejay Teflon has released a steady stream of new singles for the whole of 2021.
One of his latest offerings, “No Need To Hate” is set to a fast-paced dancehall riddim – of course.
please new and established fans.
Listen here on SPOTIFY

Listen here on APPLE

“COIN GANJA” (Click on the image to watch the video)

A classic herbal tune of modern times, this month’s featured is
GOT ARBRES by Perfect Giddimani and Young Shanty.

[email protected]
instagram @ chalicerow

New single from Jamaican Roots Reggae artists Ras Kidus and his daughter Beezher, “Where Is Jah Love?” JAMAICA MUSIC COUNTDOWN

Export boom as Cornwall hits the road


Cornwall has seen a massive influx of visitors during the staycation pandemic. But its export market is experiencing significant growth and strengthening the region’s economy in various sectors.

Built on the foundations made by the fishermen and farmers of the area, Cornwall’s food and drink industry has proven to be a cornerstone of the UK food economy, according to those familiar with the area. The industry has an annual turnover of over £ 2 billion with the region’s world-famous restaurants and products contributing significantly to the economy.

And it’s not just its success at home that makes it one of Cornwall’s most valuable sectors – the region exports over £ 800million worth of food and drink each year.

British Lithium: significant increase in export potential

Due to the pandemic and companies moving their products online, Cornwall’s food and beverage export market has stepped up its offering even further. Companies like Cornish Sea Salt, which now ship to over 30 countries, have seen a dramatic increase in their global export revenues over the past year.

Already home to cutting-edge and sustainable farm-to-fork practices, businesses in the region are now looking for ways to further reduce their environmental impact along the supply chain, particularly by researching export modes and carbon neutral transport systems.

Chocolate, coffee and rum are now arriving in the region, and setting sail again like businesses
work for a greener way to export their products. Chocolarder is one of the only manufacturers of small batch bar beans in the country.

They produce sustainable chocolate that is transported using wind power – the company thus shipping as many beans as possible from each year’s harvest. New Horizons Traders, which offers this transport service, loads the farmers’ cocoa directly into their bunker for return to Falmouth – the chocolate is then exported in the same way to Europe and the United States.

In the past year, 18.9% of Chocolarder’s sea salt caramel truffle sales, which were in Carbis Bay hotel rooms during the G7, were exported, notably to Japan and America.

There are a lot of things Cornwall does well, but one thing that particularly stands out is the food and drink

The combination of responsible farming and fishing with carbon neutral freight transport, as Cornwall’s food and beverage market continues to grow, and so does the innovation behind it. This is then accelerated in close collaboration with the agro-technology industry, resulting in pioneering projects aimed at transforming the production of food and beverages.

Cornwall-based start-up GlasData, which recently began exporting its services to New Zealand, is determined to simplify the world of precision farming and unlock the value of the data it produces; saving farmers time and money while improving efficiency and yields.

“There are a lot of things Cornwall does well, but one thing that particularly stands out is
food and drink, ”said Michelin-starred chef from Padstow, Paul Ainsworth.

“Steeped in a centuries-old tradition, with farming practices dating back to pre-Roman times and fishing practices passed down from generation to generation, it’s no wonder Cornwall’s export market is growing exponentially.

“People recognize the value of what they put on their plate – and what Cornwall can offer the UK and the rest of the world is quality products with purpose at heart.”

From food production to the production of goods, there are over 1,300 manufacturing companies in Cornwall and the industry contributes over £ 730million to the economy annually. The region sells more than half a billion pounds of goods a year abroad, with around 40% of the goods produced being exported internationally.

Cornwall is home to world renowned manufacturing companies such as Watson-Marlow
Limited, a Falmouth-based manufacturer of peristaltic pumps and tubing, and Redruth-based DP Engineering, a key exporter in the aerospace industry.

Watson Marlow has been an integral part of manufacturing equipment in the fight against Covid-19. Since its establishment in the region, it has direct sales operations in 24 countries and distributors in 50 others, with exports representing more than 85% of the company’s turnover.

Cornish sea salt
Cornish Sea Salt: shipping to over 30 countries

The strength of Cornwall’s long-standing manufacturing industry is supported by one of
other key sectors in the region – mining. As the ambition continues to develop the next generation
technologies and applications are driving global trade demand and the price of base and high-tech metals – key elements in many of these manufacturing activities – the industry has enormous export potential.

Cornwall has a rich abundance of high quality lithium, tin, copper and tungsten ready for mining and with the region expected to be able to supply up to â…” of Britain’s lithium needs – l ‘equivalent of one million electric vehicles per year – there is a significant increase in the industry’s potential export market.

But it’s more than the natural capital Cornwall has to offer that gives its mining industry
global reach. Cornwall has more than 100 mining services companies that export their expertise in responsible and sustainable extraction, such as Petrolab which provides technical support services to the mining, mineral processing and materials industries around the world. . The 25-year-old consulting firm was recently licensed to operate in Nevada, United States.

The export of services extends beyond mining to Cornwall’s growing technology cluster. Last year, the South West’s tech sector recorded an annual turnover of £ 9 billion.

Tech hotspots Truro and Redruth are home to more than 2,300 people working in tech professions and the Cornish sector generates turnover of over £ 50million, an increase of over 30% from 2014. In Additionally, it contributes £ 93million from GVA to the economy.

With world famous companies exporting their products and services around the world, small
companies revolutionizing freight transport to minimize their impact and increase sustainability, and dedicated services to help companies start their international journey, Cornwall has become a prime example of how a region can maximize its assets.
and develop its export market through innovation and local expertise.

Nicola Lloyd, Director of Cornwall Trade and Investment said: “Cornwall’s export strength across a range of sectors is a key part of the economy.

“The region is home to important innovations in food, technology, mining and manufacturing, as well as collaboration between them, so it is only natural that these products and services are of global interest. . We are excited to see the global reach of Cornwall businesses grow.


How to do it right when expanding abroad

Industry strategy is too London focused

West Midlands brace for the AI ​​revolution

We Are Jersey magazine celebrates 7 years of supporting independent artists


WAJ separates its business and enables its clients to own their publications in a modern way

The Clifton, New Jersey-based media and entertainment company is celebrating its 7th anniversary with an anniversary number and a modernized platform. We Are Jersey released their latest issue with East Orange native artist Kia (Tenaja David) breaking the normality of the post as they usually have a musical artist on the cover. Breaking up the monotony of their medium, owners are restructuring their platform to make it more community-driven and user-friendly by introducing an app and different ways to track digital ownership.

Among the many features, the app will feature videos from musical artists to help consumers and supporters of independent artists find, as well as gorge themselves on, artist content. The publication also has an online platform that it will use more often for articles, updates, etc. WAJM (WAJ Magazine) will also make its digital copy available as a non-fungible token due to overwhelming demand. Both owners of the publication recognize that their audiences strongly support the independent entertainment industry “shakers and movers”, and wanted to give their audiences the opportunity to own a digital copy of their issues longer than a regular link. would allow it. The September 2021 issue will be the first issue available for collectors with 25 copies available for buyers. WAJM is generally on sale for digital copies for $ 1.99 with no particular differences except the method of payment.

The seventh anniversary of the publication of We Are Jersey introduces readers to unique independent artists, models and businesses in the New Jersey area. In their past, WAJ has hosted New Jersey hits such as Justina Valentine and Felicia Temple through their coverage, as well as talent outside of NJ and the United States. In the seventh year of publication, owners Bridget Papino and Daniel Banks made further changes to their business structure beyond the magazine.

Co-owner Bridget Papino said: “We are creating distinct digital spaces for the areas of our business because of the audiences each attracts. The company wants the www.wearejerseyent.com website to clearly represent the services it provides as an entertainment business. While the other site www.wajmagazine.com will promote the magazine and the stories regarding the niche entertainment industry that they highlight daily. Papino and Banks agree that the separation will help consumers stay focused on their goal when they visit their site.

Want to know which platform We Are Jersey uses to give digital ownership to its subscribers? Contact BA Jenkins to find out more.

About We Are Jersey Ent.

We are Jersey is the brainchild of entrepreneur Bridget Papino & Daniel Banks. They have
focused on building relationships by being transparent with their clients and providing them with
a comfortable working environment while achieving all the objectives as a team.

We put the power back in the hands of the creatives. We do not apologize in our approach to
industry and redefined what it means to be an artist management company, record label,
booking agency, marketing and entertainment consultancy under one roof. We are all on
creativity and self-expression. Everything we do highlights individuality and you, the world and
your community.

More than half of UK properties can access super-fast internet, figures show


More than half of UK homes and businesses have access to gigabit compatible broadband, new figures show.

According to data from the ThinkBroadband broadband audit website, 50.2% of properties across the country are able to access the super-fast internet connection, up from around 6% in January 2019.

The government has hailed the milestone as a key moment in its £ 5 billion Gigabit project, the nationwide rollout of faster internet connections, with figures meaning more than 15 million properties are covered by the best commercial broadband speeds.

Faster broadband speeds are becoming more and more necessary as more and more smart internet-connected devices become available for the home and online streaming services become more prevalent.

“We are past half of our national mission to bring the UK up to speed with super-fast gigabit broadband,” Culture Secretary Nadine Dorries said.

“Millions of people can now access the fastest and most reliable Internet connections, allowing them to take full advantage of new technologies over the next 40 years.

“Thanks to the work of the industry and our record investment of £ 5 billion, we are making phenomenal progress in the Prime Minister’s infrastructure revolution. “

According to the figures, West Dunbartonshire in Scotland has seen one of the biggest increases in gigabit broadband coverage, with availability rising from 1% in July 2020 to 95% today.

Likewise, coverage in Blackpool increased from 2% in January 2019 to 85% and in Reading it increased from 5% in January 2019 to 93%.

“We are delighted to see the UK cross the 50% UK gigabit availability mark and if existing vendor plans materialize, we envision 65-68% gigabit coverage by early 2022” , said Andrew Ferguson, editor-in-chief of ThinkBroadband.

“The next few years are going to be transformative for the UK broadband market with the many all-fiber networks being built and we look forward to mapping them all out and ensuring that the public can easily see what their broadband options are. . “

Inspiration4 crew celebrates return to Earth after 3-day SpaceX mission


The Inspiration4 crew poses for a selfie in the Crew Dragon dome. (Image credit: Inspiration4)

Inspiration4’s civilian astronaut crew share their joy after returning to Earth from their three-day orbit mission.

Last Wednesday (September 15), four people strapped into a SpaceX Crew Dragon capsule and were launched into space for Inspiration4, the first fully civilian mission to orbit the planet. The crew landed on Earth on Saturday, September 18, landing off the coast of Florida at 7:06 p.m. EDT (11:06 p.m. GMT).

After a successful parachute landing in the Atlantic Ocean, the crew was quick to share their excitement online.

” Happy. In good health. At home. The official Inspiration4 mission Twitter account was shared on Saturday. “Welcome to Earth.”

Video: Landing! SpaceX Inspiration4 crew back on Earth
Live Updates:
SpaceX’s Inspiration4 Fully Civilian Private Orbital Mission

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The mission’s official account tweeted again on Sunday, September 19, sharing a selfie the crew took together in space.

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“Landing !!!” mission pilot Sian Proctor tweeted just over two hours after landing. “Best ride ever! Thanks @SpaceX and @ elonmusk @,” she tweeted a few minutes later alongside a SpaceX post showing video of the water landing.

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Proctor went on to share that she had “nothing but #gratitude !! Thank you to everyone who made our mission successful and supported us throughout the historic journey” and “We made it! !! ” she added in two follow-up tweets.

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“We hit all of our goals in orbit, but the most moving point for me was shortly after the landing when we learned that we had exceeded our fundraising goal @StJude,” said the commanding officer of Jared Isaacman mission Monday, September 20 morning after a donation of 50 million dollars. from SpaceX founder Elon Musk.

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Mission specialist Chris Sembroski also shared his joy after the mission. “What an amazing adventure! I am so happy to be home on earth and to be back with my family. There is so much to share! What an amazing team @ inspiration4x! Thank you @SpaceX!” he tweeted.

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“There were four of them in this Dragon, but we all went around,” he tweeted. “Thank you all for making this mission so successful.”

Mission Medical Officer Hayley Arceneaux also shared his excitement and joy after safely and successfully completing the mission and landing on Earth.

“The most incredible experience of my life,” Arceneaux shared after landing. “I can’t wait to share more with all of you! “

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Email Chelsea Gohd at [email protected] or follow her on Twitter @chelsea_gohd. Follow us on twitter @Spacedotcom and on Facebook.

Learn a Lesson from the Book of Nature


It’s time to harness the power of the wind, the current of the river, the golden sun and the power of the earth, writes Scott Willis.

Spring is indeed here! I get great pleasure from all the plum blossoms, birdsong and green shoots everywhere. It is the season of vigor and growth. On our windowsill, I check the progress of the pumpkin seedlings every day as they unfold towards the light.

Nature thrives within limits. Our pumpkin plants need to be fed and the risk of frost should be ruled out before planting them. Then they need rich, nutritious soil and water to grow in the spring, summer, and harden in the fall. The leaves will wither and the pumpkins will be harvested, stored and then gradually consumed throughout the winter, part of our seasonal diet. But the seeds will be saved, and in the spring …

The point is, no matter how rich the soil is, individual pumpkins do not continue to grow and grow – there are biological limits in nature. So why, when we have appropriated the idea of ​​growth from nature and applied it to our economic system, why have we not understood that growth exists in a cycle of growth and decay / consumption and regeneration? ? Peasant societies and hunter-gatherers have understood this. Has industrialization made us believe we were somehow beyond nature, made us believe our own myths?

The myth of endless economic growth is now part of our everyday language, and if it continues to dominate our political and economic spheres, it will result in overshoot – inadvertently exceeding the limits of societal self-sufficiency. . I certainly don’t need to elaborate on what this means.

To build economic resilience as we adapt to the climate crisis, we must look to nature.

Biomimicry, that is, drawing inspiration from nature for design and potentially to help build a circular economy, has already been understood and used by many people. Those little teeth on the blades of wind turbines? Inspired by humpback whale fins which have lots of small ridges and allow a turbine blade to pick up more energy from the same wind.

There are other nature-derived innovations in the wind industry, such as wooden wind towers and recyclable wind turbine blades. What I love about these innovations is that they demonstrate that with creativity and determination, we can replace our fossil fuel system with a renewable energy system that mimics nature.

It is clearly not that simple of course. Replacing one power source for another will always require energy and as we work hard to reduce the impact and reduce our CO2 emissions, we need to do more with less. But new shoots are also appearing in surprising places. In a recent consultation, the Infrastructures Commission, in its 30-year infrastructure plan, did not content itself with proposing to build better. InfraCom explicitly referred to the search for unbuilt alternatives and nature-based systems. Climate Change Minister James Shaw has also made it clear that nature-based solutions will be a critical part of our national emissions reduction plan.

In a speech in July, he explained, “If we can do it, we can have a truly holistic approach to halt the loss and degradation of carbon-rich and species-rich ecosystems on land and in the ocean – especially areas like forests, wetlands, and coastal ecosystems. We can restore carbon – and species-rich ecosystems – a cost-effective step that will also improve water quality, reduce soil erosion, and improve pollination. “

Adapting well means working with and in, not against nature. Harness the power of the wind, the current of the river, the golden sun and the power of the earth. Close the loop of mobility, so that we are more active or powered by renewable energies. Regenerative organic agriculture to restore our rivers, soils and rural communities. Warm, comfortable and climate-safe homes.

If our pumpkins grow as expected – bearing in mind that nature presents many risks throughout the seasons – then we will harvest and enjoy them next winter. If we tried to keep growing the plants, wanting more and more like endless growth is possible, we would just end up with a tangle of rotten grapevine and pumpkin, nothing for the table and maybe no seeds. for the next season.

Moving out of the adolescent phase of humanity, centered on the current consumer society and hedonistic, into a mature post-growth society focused on well-being is humanity’s greatest challenge, but also full of rewards. Let’s cultivate this!

– Scott Willis is a climate and energy consultant. Each week, in this column, a member of a panel of writers discusses sustainability issues.

(AUDIO) HUMBOLDT HOLDING UP: Recent article from GQ magazine, topic Richard Evans on the back-to-earth movement, stained glass and why he’s still a hippie idealist | Lost Coast Outpost

(AUDIO) Richard Evans Holds Up

Richard Evans, still a dreamer

Last week, Humboldt featured prominently in a lengthy GQ Magazine article – for something other than weed, if you can believe it! The room, “The latest glimpses of endangered hippie utopias in California, introduces the reader to some of the aging and forgotten communities manifested by the generation of idealists associated with what is today called the return to the land.

These days, Richard Evans, one of the subjects of the article, has settled in the booming metropolis of Eureka, but in the early 1970s he and his cohorts fled the Bay Area. for a more idyllic and communal existence in the countryside on a property located in the distance. threw south of Humboldt. In this week’s episode of Humboldt Holding Up – Locomotive’s Always Idealistic Podcast – Evans shares with us his memories of his homecoming days. Topics include:

  • A discussion of what individuals were looking for who found themselves swept behind their backs to earth movement
  • Evans’ involvement in the March on Washington and gay liberation activism in the 1960s
  • his journey to Humboldt in search of land and subsequent countries living in Ettersburg and Alderpoint
  • His time as an adventurous stained glass artist
  • The struggles of being a black gay man in rural SoHum
  • His work with the team that converted an abandoned school into a Jefferson Community Center in Eureka

ABOVE: A young Evans sits next to a window he installed at Tommy and Karen Hessler’s in Humboldt. He was disappointed that GQ didn’t include a photo from the other side of the window, so we included it below

Evans was part of the team that designed this stained glass front door that once welcomed visitors to a California state building in San Francisco

Click on the audio player above to listen to Evans’ chat with the Outpost’s Stephanie McGeary and Andrew Goff or click to Apple podcasts. And if you want to meet even more Humboldt people from the comfort of your headphones, scroll down past Humboldt Holding Up guests below.


Order | Analog Forever Magazine Edition 5 Winter 2021 – Analog Forever Magazine

Analog magazine forever is proud to announce that our fifth print publication will be published and published in late November 2021. We are excited to bring you a unique journal featuring 10 analog and experimental photographers from around the world, each exploring various methods of using the medium we love in individual and creative ways.

Inside you will find interviews with Jessica auer, Elisabeth opalenik, Vanessa Marais, and Gökhan Tanrıöver. Alongside them are portfolio features of Adam chin, Handsome Patrick Coulon, Christian Klant, Megan Bent, Steven Williams, and Wes bell. This edition is a tantalizing mix of masters of alternative processes, emerging photojournalists and alternative process photographers who all bring the eternal spirit of film and film photography to our doorstep with exceptional dedication to their craft.

Finally, we could not make our publication possible without the support of our sponsors. We would like to thank the following companies for their support and generosity as we prepare to launch Edition 5. We are delighted to print our publication with Edition One Books in Richmond, California! We also thank Blue moon camera, CineStill Film, Freestyle Photographic Supplies, Bergen County Camera, and Darkroom photo to be incredible supporters of Analog magazine forever. Thank you!

Magazine Specifications:

-8 “x 10”
-150+ pages
-200+ images
– 176gsm super smooth uncoated paper
-Soft touch matte laminate cover
– Perfect bound
ISBN: 978-1-7341517-3-2

Shipping restriction: From 2021 we no longer ship to the UK. Please order copies of our publication from our partner, Analogue wonderland.

VAT and Taxes: You may be charged customs fees upon receipt of our magazine due to EU rules that came into effect on July 1, 2021.

** Save $ 10.00 / year on our newsstand price? Subscribe here!

How legacy industries can stay relevant with digital transformation


The business world operates on chaos and disruption. No matter how big and how successful a business is, there is always a genius idea ready to upset the status quo and challenge the established hierarchy of things. Do you remember Sears, Roebuck and Co.? A hundred years from now, people might very well be wondering the same thing about Amazon.

Blasphemous? Barely. Petty startups are rising and industry giants are falling all the time. As the leader of your business, you know this all too well. Part of your job is to make sure that your business is not swallowed up by new players in your specific industry. And make no mistake about it: there are fresh companies out there that are bent on pushing you to lose relevance. Sharks are everywhere and there is always blood in the water.

To combat this reality, it is wise to embrace technology and digital transformations as essential parts of your business plan. This is especially true for companies in traditional industries like energy, manufacturing, finance and law, which can sometimes lag behind when it comes to abandoning old ways of working.

Building a better business

All too often, traditional businesses take a if it’s not broken mindset, fail to fix it when faced with the necessary technical upgrades and innovations. Make no mistake about it: you can be “not broken” but still seriously overwhelmed, which is tantamount to being broken. Hanging on to outdated systems and processes is like suffering a massive internal injury – on the outside, things look good; leaving it untreated, however, could have dire consequences.

If you’re leading a team that’s struggling to accept the benefits of new technology for a safer business future, consider taking these three steps to convince them otherwise:

  1. Use the data to understand your customer.
    Data is more than numbers on a screen. Analyzed correctly, the data companies collect about their customers – and their own operations – can produce amazing insights into trends and behaviors. This is especially true for existing organizations, which often have a wealth of data. Use this historical information to your advantage.
    “Data capabilities will be key elements in measuring progress towards innovation and will provide insight into how the business is transforming (or not transforming),” says Derrick Bowen, director of the consulting firm. Pariveda Solutions technology, using the energy industry as an example. “On this front, traditional energy companies actually have a huge advantage: being an established player means you probably have a wealth of data that new entrants don’t have. “
  2. Adopt contactless processes where possible.
    The pandemic has changed a lot of human behavior, apparently for good. One is to avoid physical contact with strangers (and the objects they touch) whenever possible. Taking a quantum leap into modern times – and meeting the expectations of today’s customers – means offering hands-free or contactless ways of doing business, such as producing products and handling equipment that reduce the amount of energy required. person-to-person exposure.
    From buying a new home or vehicle online to paying for goods at the push of a button, people expect a safe space (and adequate distance) to do business. In fact, a GetApp survey found that 82% of consumers expect contactless experiences to continue after the pandemic.
  3. Focus on mobile technology.
    If you are not yet compatible with mobiles, you are on probation. Think how much you rely on your smartphone to consume entertainment and run business – from streaming your favorite sports and paying bills to researching new restaurant reviews and researching the cheapest gas prices. further down in town. Prioritize creating an online presence that’s easy to find and navigate for customers. The smoother the experience, the more affinity they will have for your brand. This goes for all industries, from furniture to finance.
    “Consumers expect to engage with their financial institutions via their smartphones to do everything from opening accounts to submitting mortgage applications. If you haven’t already invested in a convenient mobile loan app, now might be a good time! Said Doug Wilber, CEO of social media marketing management firm Denim Social. “But invest carefully. You want technology that enables mobile digital document uploading, automated quality assurance, and application data prepopulation using internal and external APIs. These advanced mobile offerings will soon be table stakes, as lenders see the benefit of speeding up sales cycles and reducing costs. “

It’s a dog-eating dog world, and the biggest beast is often not the hungriest. A Pomeranian won’t hesitate to pounce on a pit bull when the time is right. If you want to stay on top, you have to stay relevant. The only real way to do this is to stop avoiding digital transformation and making technology work for you.

Written by Rhett Power.

Follow the latest news live on CEOWORLD magazine and get updates from the US and around the world. The opinions expressed are those of the author and are not necessarily those of CEOWORLD magazine. Follow CEOWORLD magazine on Twitter and Facebook. For media inquiries, please contact: [email protected]

Album review: E.VAX – S / T


E.VAX (Evan Mât)

It’s been a fantastic month for RATATAT fans, even without the band’s album. Mike Stroud released an album in mid-August under his alias KUNZITE alongside Agustin White of Abuela. Now, a month later, Evan Mast is releasing an eponymous solo album under his alias E.VAX.

The E.VAX project started over two decades ago when Mast was in college. This album builds on his musical history, which began in college when he made music using a synth and a four-track, influenced by electronic artists of the time. Since then, RATATAT has taken him around the world and he has been heavily involved in the musical creation of other artists such as Kid Cudi and Kanye West.

This album is a lot less bombastic than a lot of the work he’s done with other people. Songs like “Anything At All” focus on that with its slow, cascading strings and heavily processed vocals. Other songs bring to the fore psychedelic indie rock with electronic elements, but with less volume and energy.

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E.VAX has more of a relaxed, summery feel, even at times allowing the listener to imagine that it is somewhere on a tropical island. He’s smooth and has just enough of the guitars RATATAT fans are familiar with, while exploring more subtle electronic and rock influences. It’s a new way to experience this brand of psychedelic rock influenced by electronics, without experiencing something totally different. Get your copy in various formats here.

Dubrovnik to be promoted in digital edition of Forbes magazine


Organized by the Dubrovnik Tourist Board, in cooperation with Adriatic Luxury Hotels, journalist Elizabeth Brownfield is in Dubrovnik from September 15 to 19, preparing a report on the best hotels on the Croatian coast for the digital edition of Forbes magazine, Forbes.com. While in Dubrovnik, the journalist will visit the most important cultural and historical sites of the city, the island of Lokrum and its surroundings.

The American journalist was greeted by the director of the Dubrovnik Tourist Board, Ana Hrnić, who greeted her with a souvenir. Ana Hrnić and Elizabeth Brownfield discussed the importance of the American market for Dubrovnik and Croatia, the resumption of tourist traffic and the gastronomic offer offered by Dubrovnik and its surroundings. The reporter also expressed interest in the digital nomad program, as she is a nomad herself and spent a year and a half working in other countries before the pandemic.

In addition to the article on hotels, which will be published in the digital edition of Forbes.com, and which has around 27 million readers per month, the journalist will also write an article on Dubrovnik as a destination, given the great interest from American tourists.

Promotional campaigns in the US market carried out by the City Tourist Board since early 2021, in cooperation with US airlines, from promotional videos to reports and infomercials in their in-flight magazines have proven to be an excellent assessment to ensure a great interest from the US market this year. The introduction of direct flights from US airlines United Airlines and Delta Airlines, with up to eight weekly flights from the US to Dubrovnik is a great success.

The US market is one of Dubrovnik’s most important source markets, currently number three in the list of most tourists to Dubrovnik. Currently 1,548 American tourists are staying in Dubrovnik, while in August there were 16,712 American guests.

To receive humbly – FORAGE :: Article from SRQ magazine by Andrew Fabian

Kojo’s subtlety inspires mindfulness and gratitude.

In Japanese, itadakimasu means “to receive humbly”. When pronounced before a meal in its purest sense, it takes into account all the elements, large and small, that contributed to a meal – the earth that produced the herbal garnish, the fish that provided the delicate meat and the chef whose efforts created the dish. The phrase prompts a diner to discern the constant buildup of subtleties in a flavor profile. And, in that state, Kojo, a new Asian fusion restaurant on Palm Avenue, delivers.

Handcrafted wooden furniture and wood carvings adorn the cabins along the bright row of windows.

The izakaya inspired concept draws from the combined expertise of the Speaks Clam Bar team, including owners Mark and Natalia Levey; Managing Director Robert Castellon and Beverage Director David Roth (with their big city pedigree); and Executive Chef Ken Lumpkin, whose deep personal (his mother is Japanese) and professional Japanese cuisine experience adds calculating panache to Kojo’s menu. Together, they’ve concocted a space filled with carefully chosen design elements and, more importantly, a food and drink menu that balances fun experimentation with the pursuit of understated perfection.

A selection of small plates and bao rolls offers dishes to share that can be integrated into a sort of group tasting menu, or treated as appetizers. Yellowtail sashimi with jalapeño slices is served in a shallow bowl, with homemade ponzu at its base and cilantro sprouts as a garnish. The fish has a clean, lean taste, a perfect centerpiece for the sweet, salty and spicy tones coming from ponzu, amberjack and jalapeño respectively. While odd on paper, the tuna pizza shows the restaurant’s ability to balance creativity with accessible flavor. A thin, crispy tortilla is cooked to order and then topped with tuna sashimi, ponzu mayonnaise, truffle oil, sliced ​​red onions and microgreens. It somehow manages to blend the flavors of Mexico and Japan with such harmony that it never clashes or feels unnatural.

With the hint of Mexican flavor in the tuna pizza, the mezcalero cocktail could provide a nice complement. Made with triple sec, Del Maguey mezcal, ginger bitters, and freshly squeezed grapefruit and lime juices, the cocktail is described by Roth as “a really juicy margarita.” What the quick mixologist misses with the description is the rich smoke and dryness of the drink that elevates it from an insane party punch to a more polished experience, albeit still heavily boozy. It should also be noted that Roth invented the drink and is credited as such in the Difford Guidebook.

Arranged like small works of art, an assortment of nigiri showcases Executive Chef Ken Lumpkin’s Japanese background.

To probe the depths of Lumpkin’s expertise as a sushi chef, an omakase (chef’s choice) plate of assorted nigiri delights in both presentation and precision. Serving the nigiri on a large terracotta plate cut in half by a lush green frond, Lumpkin forms the sticky rice into even mounds before coating each with thin, decadent slices of chilled fish. He then adds a hint of different flavor profiles for each fish for balance, like a smoked soybean and yuzu kosho for the red tuna toro, or a yuzu kosho aioli with Meyer lemon zest for the flambé salmon.

Moving on to bigger dishes, Fried Rice with Shrimp, Bacon, and Kimchi offers a more forgiving fusion of cuisines than Tuna Pizza. Made with Nueske’s bacon, Gulf-caught shrimp and homemade kimchi, then topped with shallot and ginger oil, kabayaki, nori flakes, a fried egg and a drizzle of spicy gochujang sauce, it does not retain anything. It’s lively, yes, but it’s also as rich as the many Asian cuisines it borrows from while still being held up by the silky, smoky fat of the bacon. Each element always holds its own place, with the copious amounts of umami accentuated by the flavor, sweetness, and warmth of kimchi, gochujang, and ginger scallion oil.

A dish for the biggest appetites, fried rice with shrimp, bacon and kimchi is both fun and filling.

The accompaniment of a cocktail here depends on the objectives of the guest. If something salty and quirky is desired, “black and gold” is the way. Made with bourbon, Frangelico, honey and lemon, it then takes a drastic and all in all pleasant turn with the addition of sesame oil. A few drops of oil are added to the shaker and a few drops are added to the lemon wheel garnish to accentuate the nutty notes of the Frangelico and enhance the nutty tones, making this a truly singular concoction. If more accessible pleasure is desired, Roth does what he confidently describes as “the best sour Midori in the world.” Melon liqueur gives it the cartoonish green tint traditionally associated with the drink, while marine gin (57 percent alcohol by volume), lemon, bitters, a dash of lemongrass syrup, and togarashi add layers. of drought, spiciness and salty.

Light, fresh and deliciously balanced, the yellowtail appetizer captures the understated perfection of Kojo’s menu.

At the end of an evening in which such thoughtful food and drink has been consumed, the pre-meal supplication should be followed by a direct prayer addressed to the hands and minds of those who have it. made possible. The Japanese also have a word for it: gochisousama, which can be interpreted as “thank you for the party”.

KOJO, 1289 N Palm Ave., Sarasota, 941-536-9717, eatkojo.com, @eatkojo

Korean Rising – TRENDSPORT :: SRQ Magazine Article by Brittany Mattie

Do you still have to watch Someone feed Phil on Netflix, where Phil Rosenthal tastes real Korean food and shares cultural stories and customary cuisine based on ancient agricultural and nomadic traditions (evolved through centuries of social, political and environmental change)? In Seoul, South Korea, he eagerly tries tteok-bokki, feasts on crab and gobbles up fried chicken with K-pop star Eric Nam. Most of us can’t afford to fly more than 32 hours in South Korea just for a bite to eat, but luckily these local stars are the second best and closest to craving. a hot pot of steamed short grain rice and a shot of kimchi with cold sake. Take yours gochujang and take a seat in one of those Korean family restaurants where geography doesn’t mean anything.

Photograph by Wyatt Kostygan

Kore, a new concept of Asian restaurant created by the owners of JPAN Sushi & Grill is coming soon. This first restaurant on the market will offer a Korean barbecue at the table, as well as an upscale sushi bar and cocktail bar. “Kore will deliver … unique dishes that diners would likely find in major metropolitan cities like New York and San Francisco,” said Daniel Dokko, founder of JPAN and Kore. “I am delighted to launch this concept in such a united community. ” Coming soon to downtown Waterside Place, Lakewood Ranch.

Charlie’s BulGoGi, a passing family food truck became a successful showcase in 2018. Charlie’s has become a benchmark in the neighborhood for Korean barbecue enthusiasts. At BulGoGi, the meats are marinated for at least 12 hours and sometimes up to 20 hours, soaked in the homemade combination of Korean red pepper paste, sugar, soy sauce, sesame oil, ginger, wine. of rice, onions and apples. Something like too spicy, but husband and wife co-owners Charlie and Soomi Chi are good at tempering the heat of American palates. “Korean food is a lot like Thai or Mexican food,” Charlie explains, “It’s hot, but there’s always a lot of flavor. ” 4567 Bee Ridge Rd., Sarasota, 941-554-4806, charliesbulgogi.com.

Korean Restaurant Shilla, family owned and operated by the Yi family. The Yi have been cooking authentic Korean food for over 40 years and have brought their beloved dishes, such as Bulgogi, Galbi, Bibimbab, Bibim Naengmyeon, and Japchae, to Sarasota. Hailing from Gyeonggi Province near Seoul, the family has been in the culinary world for many decades, with the grandmother working in the markets (offering a variety of popular street food) and then passing the tradition down to her son, who is now running Shilla. 501 N Beneva Rd. # 240, Sarasota, 941-366-9700.

Korean BBQ and Sushi K-Nam, After operating a local Korean barbecue food truck in Sarasota for the past three years, Hung Kook (Justin) Nam and his wife, Soung-Ja Nam, expanded their menu and opened this new concept restaurant in November 2020. Serving up sushi, Korean barbecues and fusion dishes make this the perfect place for everyone to enjoy. With over 15 years of culinary experience in Korea and the United States, Nam passionately presents its vision of combining Korean and Asian flavors to our multicultural region. 3440 Clark Road, Sarasota, 941-312-6469, knamkoreanrestaurant.com.

SSAM BAR, one of the pioneers who came on the scene in Sarasota to expand the city’s missing Korean scene, cultivating a menu rich in classic peninsula platters. Former owner of Bradenton’s Sam Oh Jung, Yup Namgoong opened SSAM in 2017 to bring a fusion of Japanese-style sushi and Korean dishes. Since opening, Namgoong mentioned that a large percentage of customers continue to order more Korean than sushi. 1303 N Washington Blvd., Sarasota, 941-312-6264.

Sam Oh Jung, a longtime staple in Bradenton for no-frills Korean cuisine. Sam Oh Jung must be doing something right, with people frequenting the premises for the “Box Dinner” specials on the menu. Most of the dishes remain unchanged from when the original Sam first opened. “Not many people know about cooking,” said Sam Oh Jung manager Hieu Nguyen, “and it’s very difficult to do if you don’t know what you are” doing. 6032 14th St. W, Bradenton, 941-755-3568.

Extension of the ranch dining room – Restaurants :: Article from SRQ magazine by Jacob Ogles

Like the hearty aromas that draw customers to a bakery, LWR’s growing food scene draws some of Sarasota’s best restaurateurs to the east.

Like the hearty aroma that draws customers to a bakery, Lakewood Ranch’s growing dining scene draws some of Sarasota’s best restaurateurs to the east. The favorites of local diners will soon be setting the table, if they haven’t already, in new places. All restaurateurs have relied on Lakewood Ranch patrons for years to fill their reservation lists, and now diners have the option of ordering their favorite dishes at restaurants minutes from their homes rather than heading downtown. or further. The management of JPAN, Owen’s Fish Camp, Selva Grill, and Tsunami Sushi & Hibachi Grill are seeing an appetite for their produce and a hunger for their menu options that must be fed. “Our customers craved it,” says Samuel Ray, co-owner of Tsunami Sushi and Hibachi Grill. “You have to follow what people want. “

Tsunami, a stable in downtown Sarasota, will open a second location at The Green at Lakewood Ranch on State Road 70. Ray says the company has been keen to expand for some time. In addition to offering sushi east of Interstate-75, the new facility will serve as a nightlife entertainment venue.

Ray says the restaurant’s first floor will have a casual eatery and a menu like Sarasota’s, but then there will be a 16-foot aquarium separating the main dining room from a full liquor bar on the other side. Then on the second floor, another bar will serve drinks in an area with room for a live band. “It’s almost three restaurants in one,” says Ray. This isn’t the only establishment that aims to uplift the game in Lakewood Ranch and entice guests with a full venue as much as a beloved menu. Owen’s Fish Camp, a Sarasota hotspot named after Sarasota’s founding father, Owen Burns, will open as part of a CASTO project on University Parkway. Co-owner Paul Caragiulo said the restaurant had been looking for a place to grow for years, but it took the right combination of finding the perfect development partner in a prime location to take the initiative to hang a second shingle.

By working with CASTO and with (company president) Brent Hutchens, we had someone who knew our concept and wanted to integrate it into their development plan, ”he says.

The independent restaurant will be similar to the original Owen’s in Sarasota with many seafood and cocktail recipes making the trip to the Ranch. The Caragiulo family plan to enjoy a lakeside location and offer meals by the water. A few large trees will be planted in the space.

“We have a little rule: we wouldn’t want to create any place where we wouldn’t want to spend time on our own,” Caragiulo said.

The owners of JPAN, which has offices in Siesta Key and University Park, plan to open a new concept in Kore. At Waterside Place, the restaurant brings Korean barbecue into the landscape. Chris Makpedua, now managing director of JPAN’s University Park location, said the new restaurant will use techniques that are unheard of in this market and will delight diners.

“We’ll have a grill in the middle for cooking in front of you, but our ventilation is from the bottom,” he says. “Normally the barbecue is very smoky, but this one is different. It is designed to suck it from below. That way you can wear something pretty and not come out smelling like smoke. “

Kore will also incorporate live music into her experience.

In addition to drawing customers from a Lakewood Ranch crowd already familiar with JPAN’s reputation, Makpedua predicts that the restaurant will attract many people from Sarasota and Manatee counties to come to the Ranch and take advantage of the new dining options. .

Giuseppe “Peppe” del Sole, of Restaurant Napule in Sarasota, has lived in the University Park neighborhood for four years. He saw an opportunity with the opening of Waterside Place to bring Italian cuisine to the Ranch. Now the chef will open Osteria 500, the latest restaurant announced in the new center. “The bread, the pasta, the gnocchi, the ravioli, the dessert, everything will be done in the restaurant,” he said. “And we’ll have a nice cocktail bar with wines, a nice patio.”

The location seemed appealing because of the waterfront. Del Sole just returned from a trip to Italy where he purchased furniture representative of his native country to add to the atmosphere of the new restaurant.

And Selva Grill has already started serving the Lakewood Ranch crowd at its University Town Center location. “I’ve been looking for a second location for a very long time,” said co-owner Jeremy Osment. He initially expected to open a second Selva somewhere near Tampa. But when he saw the space created by Benderson Development just outside the ranch, it seemed too perfect to take a pass. He abandoned negotiations for a lease at Hillsborough.

“Lakewood Ranch has gradually developed into its own market separate from Sarasota,” says Osment. “I’m very good.”

Part of the ranch’s appeal, he said, is that independent restaurants are just starting to find a place in the community, but there is an audience of affluent foodies who are eager to choose. “It’s important that we are part of a scene, not on an island,” Osment said. The opening into a commercially vibrant area ensures circulation through the gates.

“Masha and the Bear” reaches 100 billion views on YouTube


Aniaccord’s internationally acclaimed children’s entertainment property Masha and THE BEAR has taken another step forward by reaching 100 billion views worldwide on YouTube. BFF’s unusual duo have also traveled 1 million years of viewing time and count for 1,000 frames per second. In addition, five of the cartoon’s channels (English, Spanish, Russian, Portuguese and Ukrainian) won the Diamond Play Button YouTube Creator Award.

Masha and THE BEAR and YouTube rose to the top simultaneously – establishing the show’s online presence at the start of YouTube was key to its success today. Animaccord was one of the early rights holders of YouTube, as it foresaw its potential to provide visibility and distribution opportunities for children’s animation on a global scale. YouTube is one of the world’s largest online media platforms, enabling the global distribution of animated content to homes around the world.

“We are very happy to see how YouTube is helping creative economies grow. Masha and THE BEAR [came] far from being a national success to become a global phenomenon in the world of digital family content, ”commented Anna Danishevskaya, YouTube Country Lead for Russia. “It’s an excellent example of a project that brings real added value to creators and viewers; Thanks to our platform, Animaccord has been able to greatly popularize the Russian animation industry and bring together children and parents from all over the world.

As a global YouTube sensation, Masha and THE BEARAchievements don’t stop at views and viewing time. The show’s audience is growing: last year, the English-language YouTube channel more than doubled the number of subscribers to more than 28 million loyal viewers. The series also holds the Guinness World Record for Most Viewed Cartoon on YouTube, with over 4.4 billion views and above. Masha and THE BEAR was also recently named the world’s most requested preschool show (Parrot Analytics, Aug 2021).

To concern Masha and THE BEAR on Youtube.

Fashion is in full swing – TRENDSPORT :: SRQ magazine article by Britt Mattie and Madison Mursch

Harvest of the golden hour: Endless Blu Asymmetric Cut Culture in Marsala, $ 38; Modern Soul Boutique, 59 S Blvd of the Presidents, Sarasota, 941-650-6808, modernsoulboutique.com, @modernsoul_boutique; High-waisted Hudson Remi cropped straight jeans, $ 205; Boutique T. Georgiano, 1409-B 1st St., Sarasota, tgeorgianos.com, @tgeorgianos; Minkpink beige and brown fringed cardigan, $ 129; Blend Fashion House, S Osprey Ave., Sarasota, 941-552-9379, blendfashionhouse.com, @blend_fashion_house.


Needless to give the cold shoulder, the exposed shoulders and necklines are flattering to any figure, with an element of flirtation and daring associated with class. Whether it’s a simple spaghetti strap crop top or a long sleeve cocktail dress, dare one off the shoulder, or both, with these bold yet feminine neckline shapes. Revealing a hint of cleavage with a one-shoulder wrap top or off-the-shoulder silhouette proves to be the perfect balance of modesty and sultry for a Florida fall, especially when paired with a loose cardigan or a chunky collar. gold trend.

Floral congratulations: Wide Brim Ivory Suede Braided Summer Hat, $ 34, Marmalade Surfside Boutique, 5129 Ocean Blvd., Siesta Key, 941-346-7263, @marmaladesurfside. Olive-green floral-print mini dress, $ 84; Fixxation Boutique, 1108 N Orange Ave., Sarasota, 941-467-3553, fixxationboutique.com, @fixxationbtq.

Sensual after sunset: Kaya Black Floral Dress, $ 129; Black woven belt with resin buckle, $ 55; Blend Fashion House, 1913 S Osprey Ave., Sarasota, 941-552-9379, blendfashionhouse.com, @blend_fashion_house; Steve Madden Glow black leather boot, $ 130; Boutique T. Georgiano, 1409-B 1st St., Sarasota, tgeorgianos.com, @tgeorgianos. Fall Picnic Facility created and courtesy of Sarasota Alfresco, sarasotaalfresco.com, @sarasotaalfresco.


When did matchy matching become such a thing? Now a stylish staple for a wide range of activities – from Netflix and chillin ‘with the boo to a business lunch with customers and downtown drinks with the girls – the matching sets have you covered (literally and in the sense). figured) for, literally, any occasion. Comfy loungewear sets provide all the comforts you need to sink into the sofa all day, yet chic enough to appear ‘put together’ enough to leave the house and run errands. The bold parallel splash of color from top to bottom paired with the quality soft knit of these loungewear means you can basically experience your sweats day in and day out. When the time comes to classify it a bit, don’t miss out on a matching rhythm by opting for a “power suit” type look with a blazer and matching linen pants duo. This complementary business casual look lives at the intersection of conservatism and boldness, making color and fabric coordination from head to toe the key to achieving a must-have monochrome moment.

Picnic in style: Tulalah Chevron Chain Necklace, $ 58; Teal culotte pants, $ 148; Teal linen blazer, $ 168; Sage One-Shoulder Tank Top, $ 78; Shore Clothing, 465 John Ringling Blvd. # 100, Sarasota, 941-388-3535, shorebrand.com, @shorebrand; America & Beyond Teal round bag, $ 92; Marmalade Salon & Boutique, 3617,1927 S Osprey Ave., Sarasota, 941-362-0276, marmaladelove.bigcartel.com, @marmaladesalonandboutique. Fall-themed installation, sarasotaalfresco.com, [email protected], @sarasotaalfresco. Floral arrangement by Shpresa Mehmeti.

Comfortable book corner: Frame Side Slit Sweatshirt in Mandarin, $ 168; Frame Roll-Up Sweatpants in Mandarin, $ 158; INfluence Style, 474 John Ringling Blvd., Sarasota, 941-343-2315, influencesestyle.com, @influencestyle; The newly published Hardcover Arbornaut by Dr Margaret Lowman of The TREE Foundation and Mission Green, $ 23.5. Suncoast Vans Refurbished, Extended High Roof Ford Transit White, suncoastvans.com, [email protected]oastvans.com, @suncoastvans.

S’more Nights Like This: Range Knit Pant with Slits in Jet Black, $ 220; The Range Knit One-Shoulder Tank Top in Jet Black, $ 158; INfluence Style, 474 John Ringling Blvd., Sarasota, 941-343-2315, influencestyle.com, @influencestyle. Fall Picnic Facility created and courtesy of Sarasota Alfresco, sarasotaalfresco.com, @sarasotaalfresco.


A fitting contraction of the words “athletics” and “leisure”, sportswear has played a major role in the resurgence of sportswear on the fashion scene. Combining functionality with a sleek minimalist design, it has become widely acceptable for people to wear the look in non-sporting environments. This trend, which supports moments of “transition” with leggings, biker shorts and other yoga pants, paired with flattering crop top style sports bras, can be worn anytime, no. anywhere and continues to go viral, reaching even high-end and luxury brands that want a part of this niche segment. These simplistic and flexible sets serve both fashion and function, so you’ll be ready to hit the John Ringling Bridge for a morning jog with your workout buddy while looking sporty-cute while having a bite to eat after at the Overton.

One with nature: Divides 59 Dream Techflex Bra on Fire, $ 74; High-waisted Techflex Split 59 Dream Leggings, $ 114; Lotus Boutique, 1464 Main St., Sarasota, 941-906-7080, lotus-boutiques.myshopify.com, @lotusboutique; Lululemon 5mm Lavender / Teal Reversible Rug, $ 88; The Yoga Shack, 514 Central Ave., Sarasota, 941-681-8029, theyogashack.com, @yogashacklife.

Namaste in the van: Olive suede hat, $ 35; Blend Fashion House, 1913 S Osprey Ave., Sarasota, 941-552-9379, blendfashionhouse.com, @blend_fashion_house; Beyond Yoga Green Stripe Leggings, $ 100; Joah Brown Second Skin Tank Top, $ 76; Boutique T. Georgiano, 1409-B 1st St., Sarasota, 941-870-3727, tgeorgianos.com, @tgeorgianos; Lululemon 5mm Lavender / Teal Reversible Rug, $ 88; The Yoga Shack, 514 Central Ave., Sarasota, 941-681-8029, theyogashack.com, @yogashacklife. Suncoast Vans Refurbished, Extended High Roof Ford Transit White, suncoastvans.com, [email protected], @suncoastvans.


Alluring but tasteful, the slashes and slender slits open in the most flattering way. Cutouts of all geometric shapes show a glimpse of the upper abdomen / lower ribs to expose the often hidden area of ​​the core, providing a subtle flash of skin that adds just the right element of mystique to an outfit. This subtly revealing look is wearable and achievable for any body type – incorporating this artfully placed window against the skin in a continuous movement of body positivity – while providing a little extra ventilation on a hot Sarasota day.

Rural combat: Brown Fedora hat with studded leather band, $ 45; Combination after hours, $ 68; Blend Fashion House, 1913 S Osprey Ave., Sarasota, 941-552-9379, blendfashionhouse.com, @blend_fashion_house; Sanctuary Suede Combat Boot in Taupe Gray, $ 54; Motel Therapy, 532 S Pineapple Ave., Sarasota, 941-260-2277, moteltherapy.com, @moteltherapy.


It’s time to put your best foot forward – we’re bringing the boots back, baby. The first sign of fall sensations in Florida means slippers are calling, even despite the lingering humidity. Whether it’s western wear-inspired cowboy boots, bold utility combat boots that hit the lower calf, textured crocodile skin or snakeskin textiles, or ankle-length silhouettes. paired with a heel or wedge heel boots are ready to catch your breath. And these were indeed made for walking – or rather strutting.

Fierce Campfire: Coconut by Matisse Footwear Fawn Over You ankle boot, $ 70; Blend Fashion House, 1913 S Osprey Ave., Sarasota, 941-552-9379, blendfashionhouse.com, @blend_fashion_house; Sanctuary Suede Combat Boot in Taupe Gray, $ 54; Dolce Vita Huey ivory crocodile-print leather boot, $ 140; Motel Therapy, 532 S Pineapple Ave., Sarasota, 941-260-2277, moteltherapy.com, @moteltherapy; AGL Violanda Bootie in Oslo Gray, $ 470; Lotus Boutique, 1464 Main St., Sarasota, 941-906-7080, lotus-boutiques.myshopify.com, @lotusboutique. Bundle of firewood from Steven’s Firewood, 9833 Fruitville Rd., Sarasota, 941-961-0814.

Fall fashion unearthed by Britt Mattie and Madison Mursch. Modeled by Madison Mursch. All photographs by Wyatt Kostygan. Hair and Makeup by Vanessa Silvana of Lochnessa Makeup Creations, 630 S. Orange Ave. Suite 302-A, Sarasota, 941.914.8400, [email protected], @lochnessa_makeup_creations.

On paper – Culture City :: Article from SRQ magazine by Andrew Fabian

Collage artist Philomena Marano tells a story that is both timeless and personal

“Lionel’s Chair” celebrates the stalwart security guard who watched the Coney Island roller coasters at night.

Philomena Marano’s older cousin, Nora, used to drag her to their little corner of Bensonhurst as if she were some circus curiosity. “Phyllis,” as Nora called her, “draw a horse,” and she would. With a bottle in one hand and a pencil in the other, baby Marano crafted not a crude assemblage of shapes unrelated to a real horse, but a sketch of identifiable proportions that told a story. That same steady hand continued to pick up pens, pencils, markers and paintbrushes throughout after-school art classes, Manhattan magnet schools, and the illustrious Pratt Institute (where she campaigned for be the very first, she says proudly in her Brooklynese).

She then worked with Robert Indiana – yes, that Robert Indiana – helping him produce the prints that defined quite a pop art movement alongside product portraits of Warhol, American flags by Johns, and pop montages by Rosenquist. . It was around this time that Marano picked up the two most important tools that would come to define his career. The first was the notion that no object was too common or mundane to be creatively rendered. The second: an X-Acto knife.

“Robert was talking about getting in the car with his mother and looking at all the road signs,” Marano explains, “and he called them“ road literature ”. his own life and turned to the mythical, whimsical and distinctly American temple of entertainment known as Coney Island. Like many children in New York City, Marano grew up in bumper cars, roller coasters, spooky houses, snow cones, and ice cream. She grew up in love with colorful signage, fluttering banners, and the danger of parachute jumping. “There were archetypes embedded in the culture there,” Marano says, “she really had her own mythology. When she finally put all of these elements and tools together, she created Shooting Gallery # 2. Crafted from hand-cut paper, it depicts a carnival shooting range from the inside out, rendering all of its gears and moving parts in the brilliant screen-printed colors of the Color-aid paper range.

The tiny human figure is made of five individually cut layers of paper. With surgical precision, Marano uses tweezers to affix a delicate paper cut.

While the piece captures his precision and attention to detail, his later works, like the American Dream-Land series, will gain in complexity and depth. Its process begins with a drawing. “Even if I cut paper, drawing is the root of everything,” says Marano, “everything depends so much on the lines, whether it’s a pencil or a knife.” She draws her image on vellum paper with a pencil, which becomes what she calls her “master tracing”. From there, she carefully traces the layers and colors of the room, starting with the background and slowly moving to the foreground, taking into account shadows, texture and color along the way. . Using the main path, Marano cuts each whirlwind of a cloud or roller coaster farm with the X-Acto knife, comparing it to the path to make sure each piece fits properly.

The full extent of this complex and tedious process takes center stage in I Hear the Brooklyn Bridge Singing, which is a view from the bridge’s central walkway. The texture of the steel cable in the foreground is distinguished by its careful depiction of the cable braids. As the eye dives into the background through the arch, the trusses and windows of buildings stand out as particularly tedious objects with which she captures the depth of perspective in the scene.

In “I Hear the Brooklyn Bridge Singing”, Marano pushes collage beyond two dimensions with depth and perspective.

Since moving to Sarasota in March 2017, she continues to celebrate the legendary iconography of Coney Island, but has added a new wrinkle to her. At a recent investigative collage exhibition at Ringling College, Marano showcased works that depict The Nerveless Nocks, a family of Sarasota circus artists who travel with their motorcycles across the country. “It has a kind of excitement and mystery very similar to some of the Coney Island rides that I remember,” says Marano. In Vortex of Doom, Marano portrays a high-flying act seen from the ground, with blue skies and large white clouds in the background. In a sense, it captures the entirety of its approach. It’s a scene of fantasy and majesty, danger and fun, rich colors and harsh lines, captured with love, thoroughness and with childish wonder on paper.

A large balsa wood wheel is equipped with an electric motor that allows it to turn.

Color scheme – SRQist :: SRQ magazine article by Britt Mattie

Illustrator, graphic designer and watercolorist Ali Kurzeja sees the world in pastel palettes inspired by botany and the sea.

Having grown up on the Gulf, seaside elements have become Ali Kurzeja’s aesthetic, his philosophy. Wildflowers, palm trees, parakeets, beaches and surf landscapes have materialized from Kuzeja’s fingertips to the canvas. When an art professor at Ringling College of Art and Design noticed her ethereal subjects in her soft, serene paintings, she urged Kurzeja to apply for an internship with Hallmark Cards. “I’ve always liked to pick and give cards to my family and friends,” she said, “so I thought it was pretty appropriate.” Then came American Greetings.

As soon as she graduated, Kurzeja moved to their Columbus, Ohio headquarters to become an in-house illustrator. As the Gulf Coast surfer adjusted to the frigid landlocked winters, she focused on sketching the things that made her feel warm. Delicate peonies, blushing roses, tanager birds, monstera leaves and more in a range of cheery jewel tones bloomed on the folded pages of greeting cards inked with sensitive phrases in typography. His niche work even earned him an Artist Series exclusive to Target.

Shoot the breeze with wave hunter and botanical artist Ali Kurzeja in his home studio.

But, after nearly a decade of moving away from the emerald flora and cerulean waters in which it thrived, bags were packed, “I’ll Miss You” cards were given by her fellow AGs and San Diego beaches have become his backyard. Kurzeja brought his talents to an independent West Coast decorating and stationery company. “It was a new experience to see the production side of projects and more so the commercial side of art,” she says. “I got involved in printing surface designs on different types of media, textiles and packaging before they were made onto a product. “

Kurzeja has seen his graphic designs and illustrations land on tea towels, wallpaper, shower gel bottles, gift wrap / bags, textiles and more. From a tropical Wanderlust stationery / pen set for Anthropologie, notebooks and planners for HomeGoods, girls’ journals and paper items for Elum Designs, phone cases printed with flamingos and a watercolor glass ball floating pattern custom created for Mahina Made as a shower curtain, illustrated surface printing brought Kurzeja’s many 2D images to life. Alas, the world of freelancers and surfing has beckoned. Through a group of Surf Ladies from San Diego, Kurzeja found some family ties to work with to get her Bird of Paradise Flowers on Salt & Reverie surf fins, as well as Hawaiian floral prints for swimwear. Hakuna and Dylee & Lylee wetsuits.

Photo from alikurzeja.com, @ ali.kurzeja

Recently back in his old Sarasota playground, Kurzeja now occasionally teaches other designers his light manners with pop-up workshops at the Jackie Studio. Participants learn watercolor painting techniques such as “layering many washes” to create a watercolor style map of suspended pigments constituting the “gouache” effect of opaque greens and blues that reflect the Gulf Coast. . “One of my favorite things about watercolor painting is laying down the pigment and watching it bloom on the page,” she says. “This is one of the properties that makes this medium so magical. I demonstrate this technique known as “wet on wet” painting, as well as how to create your own map of the Gulf Coast. Also a part-time teacher where it all began at Ringling, Kurzeja shows students the inner workings of 2D design in Photoshop; professional practices in Illustrator; and the importance of color focus, color theory, and surface design when drawing graphics.

Shop for prints and cards at Marmalade Salon & Boutique, Molly’s, Island Trader, Home & Humble, or Etsy.

Feeling very much at home, the charming longboarder is hoping to see an airy botanical pattern she created for a personal project of inlaying Compound Boardshop and putting her printed fabric on one of their locally shaped surfboards. “There is going to be a board adorned with lovebirds, palm trees and hibiscus in the lineup very soon,” she said.

“Lovebird” watercolor pattern and logo design for Salt & Reverie, photo courtesy of the artist.

Fight Like a Lady – TRENDSPORT :: Article from SRQ magazine by Brittany Mattie

Women learn to fight back in live attack simulations at Krav Maga Manatee

All Women Empowered Self-Defense Educator Jodi Choate O’Meara takes on the Jonathon Brockhoff live attack simulator. Photograph by Wyatt Kostygan

When women, or anyone for that matter, are suddenly attacked, they face a whole range of inconveniences. There is the surprise, the extreme shock and the fact that the abuser is almost always bigger, stronger and the crime is usually well planned. A good self-defense instructor, grounded in situational awareness, will teach women who tend to travel alone (at home or abroad) how to avoid an attack by not becoming a victim. The techniques are taught with bits of real world wisdom, without wasting time creating false hopes or illusions. These combat or martial arts self-defense classes train women to channel their inner Lara Croft into Grave robber and Lorraine in Atomic blonde. After a few lessons with these professionally trained instructors, the women leave with broadened shoulders and a new sense of badassery. It’s time to kick the ass and give names to everyone who is trying to go after you and your Yves Saint Laurent bag.

Owner and instructor John Brockhoff with his wife Jodi Choate O’Meara and their son Jonathon Brockhoff. Photograph by Wyatt Kostygan

The words Krav Maga mean “contact” or “hand-to-hand combat” and are the official self-defense system of the Israel Defense Forces and the Israeli security forces, derived from a combination of techniques derived from boxing, wrestling, judo, aikido and karate. Manatee Krav Maga brings these practical techniques to the ground, with instinctive movements and realistic scenarios. In addition to the regular rigor of Krav Maga lessons, the Self-defense course with 5 classes All Women Empowered (AWE!)—Offering detailed instruction / coaching designed by owner and instructor, John Brockhoff, who has over 20 years of experience teaching Krav Maga. “When I started out, the average student was the one who wanted to learn Krav Maga skills out of interest and the majority of the students were male,” he shares. “Over time, I had more and more female college students who wanted to learn Krav Maga for self-defense purposes, women who feared for their safety despite their athletic skills, and in some cases training in Martial Arts.” Brockhoff has worked with experts in the field, including a variety of community and professional agencies dealing with domestic violence and women’s groups, as well as his wife Jodi Choate O’Meara, an educator, who knows how. design courses. With the help and contribution of some key people, they developed AWE! for women to develop effective skills, a defensive and fearless mindset and the physical capacity necessary to “Get back in shape. Go home safe and sound.

Vigilance, frankness, and conviction are moving elements that Brockhoff focuses on in his classes so that his students can take a target and claim their instinct for self-preservation if they find themselves in an “Oh, sh * t” situation. With over 1,000 graduates since its inception, the Self-Defense Course for All Women continues to run for five months each year and still sells out with a maximum of 16 students at a time. The final class includes a final staging test of three different real-world scenarios (walking the streets alone, keeping your back turned, sleeping in bed at night, etc.). Students have the opportunity to apply their skills in live attack simulations to fight and defeat one of seven male animators who pose as real-world “bad guys”. “We record all the assault simulations on video and, in the follow-up session, we examine each one and break them down in slow motion to analyze the responses,” Brockhoff explains. “Women are able to learn their strengths and where they can improve. Videos can be graphic and difficult to watch, but are used as a powerful learning tool and a confirmation of the great strength and success of women.

Women graduate with greater personal awareness of danger and physical tactics to protect themselves. Whether it’s trying to get back to their hotel through an unfamiliar hallway in a foreign country, being the last to leave the office, taking out the trash at night, or unloading a cart full of groceries in a parking lot. empty, graduates can to deal with potential threats, recognize the minds of criminals before physical assaults, and develop inner and outer confidence to defend / break free. And even with over 1,000 women trained and certified in AWE !, the course continues to evolve.

“Each time we implement the course, we make improvements to better meet the needs of women and the concerns of the day,” explains Brockhoff. “Statistics show us how frequently women are the target of violent attacks. Women on college campuses experience a high rate of attacks – not a new trend. But what changes is that women are encouraged to speak up and stand up. In the past, a female victim may feel embarrassed or ashamed, she may have been encouraged to keep quiet or even feel like it is her fault. Through education and support from our communities and society, women become empowered and supported to defend themselves so that they and others are no longer victims.

Krav Maga Manatee, 4725 Lena Rd. # 107, Bradenton, 941-545-8222, [email protected], @KravMagaManatee

NJDOL moves collection of information on wages and reason for separation online

New tool for employers guarantees fast and secure unemployment declaration

The New Jersey Department of Labor and Workforce Development (NJDOL) has updated its method of collecting income and other information from employers after an employee leaves; Instead of receiving responses by US mail, employers will now submit this information through secure online portals.

Employers will continue to receive forms in the mail asking for details of some recent employee layoffs or to verify wages. But, the employer will now send its responses electronically, eliminating the need for most phone calls from adjudication officers. Employers can now respond at their convenience, within 10 days of the date NJDOL sends its request, regardless of whether this important correspondence has been lost in the mail.

“When an employee separates from an employer and applies for Unemployment Insurance (UI) benefits, we need to verify the cause of the separation and in some circumstances we need to receive additional information about the earnings from the employee. employer to confirm the potential claimant’s eligibility for benefits. “Said labor commissioner Robert Asaro-Angelo. “Collecting this information online is faster and safer than going through conventional mail. We believe this is an improvement that will save employers time and improve their comfort.

Timely employer responses help NJDOL officers determine a claimant’s eligibility for benefits and result in more specific costs to the employer.

The notice sent to the employer will provide clear instructions on what information is needed about the former employee and direct them to the appropriate portal – eAdjudication or eMonetary. Both portals are mobile-friendly and secure to protect employer and employee information.

These resources are also available in the Tools for Employers section of the NJDOL myunemployment website.

By visiting the NJDOL website, employers are also encouraged to create an employer access account. Here, employers can report employees refusing suitable work, review employer and worker contribution rates, download a notice of annual contribution rate, as well as complete forms NJ-927 and WR-30 online.

For more information on NJDOL’s new employer forms process, please visit: www.myunemployment.nj.gov/employerforms.

To access more business news, visit NJB News Now.

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Vegan revolution – FORAGE :: Article from SRQ magazine by Brittany Mattie

Every trend forecaster and market analyst seems to agree that traditional veganism is here to stay. All over the world, food suppliers are looking for ways to reduce their consumption of meat and dairy products with creative and healthy alternatives – like cashew milk and nutritional yeast instead of cheese, soybeans, lupine, seitan, tempeh or tofu to replace meat protein, and lots of mushrooms, chickpeas and coconut oil. Nutritious, vegetal diets have gained notoriety for their potential to prevent most modern lifestyle diseases, including forms of cancer and hypertension (compared to a diet centered on animal products). It should come as no surprise, then, that a growing number of doctors and healthcare establishments, mixed with herbivorous bloggers and health-conscious Instagram influencers, are promoting it. If you want to enjoy the best of them, check out these local all-vegan, or mostly vegan / vegetarian, restaurants from your list:

New Orleans Po’Boy – Zucchini fritters, remoulade, tomato and arugula on a chewy baguette. $ 13, Leaf & Lens. Photo by Wyatt Kostygan

Leaf & Lens, a down to earth cafe concocting tasty vegan snacks, main courses with variations of classic handmade or plate dishes, desserts, healthy drinks and tea out of the cooler in a cheerful place with a patio . 2801 N Tamiami Trl., Sarasota, 941- 413-5685, leafandlentil.com, @leafandlentil.

Sarasota Vegan Deli, a brand new plant-based “deli” selling favorite comfort foods such as burgers, McBluffins, wraps, Cubans and wings, featuring exclusively alternative “meats”. 5119 N Tamiami Trl., Sarasota, sarasotavegandeli.com, @sarasotavegandelisrq.

Project coffee, a young and modern cafe with an entirely vegan concept, including “milk” for its coffees and milk teas. Breakfast items include ‘sausage’, ‘eggs’ and oatmeal whipped cream and yogurt. 538 S Pineapple Ave., projectcoffee.us, @projectcoffee.

Macro Bowl – a hearty bowl of chickpeas, brown rice, Fermentlicious sauerkraut, avocado, cucumber, hot kale, togarashi, and turmeric-tahini vinaigrette, $ 17, Lila. Photo by Wyatt Kostygan

Lilac, a stylish, health-conscious restaurant featuring organic American fare, all with high vegan and gluten-free options. 1576 Main Street, Sarasota, 941-296-1042, lilasrq.com, @lil_srq.

Nutritious coffee, a retail store and delicatessen offering health-focused snacks, whole foods and plant-based take-out meals as well as fresh juices. 6583 Midnight Pass Rd., Siesta Key; Palmers Nutritious You, 3501 S Tamiami Trl. Unit 305, Sarasota, 941-554-4528, nutritiousyou.com, @nutritiousyoucafe.

Truffle Mushroom Pizza – topped with roasted Maitake mushrooms, cashew cream with truffle and black garlic, cashew mozzarella, kale and lemon, $ 20, Lucile. Photo by Wyatt Kostygan

Lucile, similar to its sister restaurant, Lila, focusing on healthy, clean, organic and local ingredients, as well as plant-based meats and dairy alternatives for making wood-fired pizzas and pasta. 1660 Main Street, Sarasota, 941-330-0101, lucilesrq.com, @lucile_srq.

Deck plate, an upscale vegan catering service that operates primarily in ghost cuisine, but regularly hosts local pop-up events such as “Kitchen Takeovers” at 99 Bottles, focusing on international cuisine with a themed menu each time . 941-993-4191, decksplate.com, @decksplate.

Spicy “beef” chili with fresh greens, miniature tomatoes and a sweet spicy dip, $ 14, Ka Papa. Photo by Wyatt Kostygan

Kapapa, Sarasota’s newest full-service 100% vegan and vegan restaurant filled with creative, globally inspired and locally sourced dishes. 1830 S Osprey Ave. Suite 104, Sarasota, 941-600-8590, kapapacuisine.com, @kapapacuisine.

IOnie Retreat Raw Food Organic Vegan Coffee, offers restorative treatments for your body and soul by serving fresh juices, smoothies, main courses and hand-made desserts. 1241 Fruitville Road, Sarasota, 941-320-0504, ionie.com, @ionicrawfoodlife, or Saturday Sarasota Farmers Market.

SRQ Vegan Love: Handmade, organic ice cream flavors in small batches, blended with plant-based recipes, winning praise from vegans and non-vegans alike. Located in a commercial kitchen but can be found at local cafes / restaurants such as Tellers, Leaf & Lentil, Origin or at srqveganlove.com, @SRQVeganlove.

Tex Mex Vegan Burger – Homemade black bean burger topped with pepper jack cashew cheese, lettuce, tomato, onion, avocado and vegan, $ 14, Simon’s Coffee House. Photo by Wyatt Kostygan

Simon’s Café and Restaurant, offering a variety of raw foods, whole foods, fresh juices, ocean-grown wheatgrass, and a range of vegan and vegetarian options for lunch and dinner, including daily specials , soups and baked goods. zero. 5900 S Tamiami Trl., Sarasota, 941-926-7151, simonstogo.com, @simonscoffeehouse

Vegetarian, a health-focused neighborhood bistro offering vegetarian options, with plenty of vegan and gluten-free options also available. 6538 Gateway Ave., Sarasota, 941-312-6424, vegsrq.com, @vegsrq.

Happy soul, new take-out supplier, creating comforting vegan foods and drinks that fuel energy and taste just as delicious as its popular derivatives. 531 13th St. W, Bradenton, 941-932-7320, happysoulgoodies.com, @happysoulgoodies.

Tropical Acai Bowl – Homemade organic sorbet (acai berry, strawberry, blueberry, banana), topped with organic gluten-free homemade granola, banana, strawberry, pineapple and coconut flakes, $ 11, Green Zebra Cafe. Photo by Wyatt Kostygan

Green zebra coffee, an organic cafe serving cold-pressed juices, smoothies, salads, sandwiches, raw dishes and vegan desserts. 1377 Main Street, Sarasota, 941-312-6707; 476 John Ringling Boulevard, Sarasota, 941-388-2848, greenzebracafe.com, @greenzebracafe.

Evergreen Café, sandwiches, salads, smoothies and organic wines served with a mellow ambiance and clean ingredients with a large selection of vegan and vegetarian options. 801 S Tamiami Trl., Nokomis, 941-412-4334, cafeevergreen.net.

WeVegan Eats, a 100% vegan bakery providing products such as cookies, brownies and breads, made with quality ingredients from scratch. weveganeats.com, @weveganeats.

Glamping Glory – TRENDSPORT :: SRQ Magazine Article by Britt Mattie

Photo courtesy of Sarasota Glamping

What better way to immerse yourself in the life of a region, explore hidden corners and appreciate the natural nuances of a place while enjoying the benefits and enormous satisfaction of traveling on your own? These are on-the-road experiences that you can’t get behind the wheel of a sedan, or on a train or sightseeing bus. Active travel is, at its heart, a way to more authentically connect with the outdoors while not sacrificing the comfort and luxury amenities of indoor accommodation. These local services bring the fleeting and adventurous side of the trip to you so you can experience the great open road, or the campground, on your own and in style. Planes and hotels continue to take a step back (pun intended); we plan to continue to get closer to nature not only by seeing it, but by living in it.

Photos courtesy of Suncoast Vans

Suncoast vans

Nomadic couple Rob and Stephanie Jaramillo quit their unsatisfying 9-5 jobs to help others fully embrace the ‘van life’. Making the decision to custom build a sustainable mobile home for their own road travel adventure – taking a total of three and a half months – they learned the ins and outs of building and designing this unique space on wheels. “These months have been filled with ups and downs as we face new challenges every day, putting our heart and soul into the business,” says Stephanie. “Once finished, we hit the road and traveled across the country. This expedition gave us so many privileged moments and lessons. Along the way, we met various creative, like-minded builders who shared the same desire for sustainable living and ignited our passion for building vans. After having so much fun creating their first home together, the couple decided to help the others start their own adventures with custom-built vans, designed for their personality, lifestyle, and planned trips. Rob and Stephanie get the vans for you and generally work with Ford Transits and Ram ProMasters. On average, a Suncoast Van takes about six to eight weeks to complete, with all the work done in their local store. The features of high-end custom cabinets, extensive solar and electrical systems, professional plumbing and everything in between are all tailor-made for each different van. “Our customers love our modern style farm buildings and this is a style that is most requested of us,” explains Stéphanie. “They use these vans for weekend adventures and national parks across the country.” Full for 2021, but now accepting applications for 2022. suncoastvans.com, @suncoastvans.

Photo courtesy of Sarasota Glamping

Our Van Quest / Sarasota Glamping

Camping is cool and all, but take it to the next level with a glampout on a campground at these luxury tent facilities. Sarasota Glamping makes set-up and take-down simple with their 13ft canvas tents which they stage with stylish furnishings and decor including queen-size bed and linens, bohemian design elements including rugs , fresh flowers, end tables with lighting and a comfortable seating area. After Gianna returned to Sarasota after building and living on the road with her husband and children in their converted sprinter van, then a school bus converted into a small house on wheels, the family decided to help others to living nomadically through the individual and family coaching from home life to life on the road. ourvanquest.com, @ourvanquest.

In addition, Gianna recently added another trendy outdoor sector to her repertoire, this one less mobile and more stationary. Now taking fall bookings, her new business, Sarasota Glamping, designs and creates a memorable outdoor experience for adventurers like her, but those seeking the comfy amenities that come with the luxury comforts of home or a hotel. Just book the campsite or the green space and she will take care of the rest. By setting up a giant canvas bell tent, Gianna will fill the yurt-like space with furniture, linens and decor reminiscent of Joshua Tree or Sedona. a real night under the stars. Official launch scheduled for November 2021. sarasotaglamping.com, @sarasotaglamping.

Photo taken by Wyatt Kostygan

Outdoor Sarasota

Playing with bohemian decor, fringed umbrellas, woven rugs, comfy cushions, cane serving platters, rattan lantern stands, jute ottomans, fresh flowers, and wooden farmhouse tables covered with colored covered, Sarasota Alfresco engages the environmental communities of our region through ephemeral picnics in store. Using what’s already on-the-go along the rugged Suncoast coast, find the Sarasota Alfresco setups displayed on secluded bay-side frames, idyllic outdoor parks, campsites, and Sarasota-Manatee’s many beaches. Founder, event planner and creative director Jessica Chapman combines outdoor feng shui with luxurious comfort. Taking advantage of the natural depths of the Gulf, she then elevates the place with a dream setting and all the catering accessories for an unforgettable outing. “We take care of the details so you can relax on velor pillows and watch the sunset with your loved ones,” says Jessica. Each package includes decor design and delivery: stacked rugs, seat cushions, candles / lanterns, fully decorated wooden coffee table (s) with crockery, cutlery, glassware for dining ‘water and wine, linen napkins, a tablecloth and / or table runners, a wooden board with your personalized message, still or sparkling water, dried flowers for a touch of color and a fragrant touch of baby’s breath and eucalyptus for the centerpiece. A la carte additions take your event to a whole new level with upgrades such as fresh fruit platters and grazing boards from Lakewood Ranch Cheese & Deli, gourmet cakes from Morton’s Gourmet Market, a bar cart in rattan for sparkling BYOB, personalized handcrafted cocktail service and personal bartender, a personal photographer, a private yoga session, a vintage lace tee-pee and more. sarasotaalfresco.com, @sarasotaalfresco.

Photo courtesy of GuestWings.

Guest wings

With a list of gorgeous county, state, and private campgrounds in the Tampa Bay area, experience glamping in an iconic Airstream trailer. GuestWings is an airline delivery service providing chrome units 24 feet long, 8 feet wide and 10 feet high. Each airflow is fully equipped inside with a premium queen size bed ready to sleep, full bathroom, towels, linens, TV, digital thermostat, power outlets, USB chargers, microwave, and coffeemaker, which means you and your business can get a tight night’s sleep in a modern draft for a thrifty hotel alternative. GuestWings will deliver to campsites within a 75 mile radius of St. Pete, including Ft. DeSoto, Hillsborough River State Park, Myakka State Park or Little Manatee River State Park. They do towing, recoil and complete assembly. gwestwings.com, @guestwingsfl.

Fantasy camps

In partnership with Florida State Parks, Fancy Camps offers luxury campsites and camping packages along the Florida Gulf Coast and throughout the Sunshine State. Topsail Hill State Park hosts permanent Fancy Camps sites that can be booked, but if campers have other Florida state park destinations in mind, that’s a problem. Each package includes a 16ft bell tent, queen bed with linens, rugs, end table and pads, heater / cooler unit, outdoor lighting, additional outlets for charging small electronics, chairs wooden folding seats for outside seating, picnic table and fire ring. Additions like firewood, a camping stove, charcuterie boards, an entrance garland and a bouquet of wildflowers can be arranged to make it a very special experience to blow your SO’s hiking socks off. fantaisiecamps.com, @fancycamps.

Wake Up Wonderful – FORAGE :: Article from SRQ magazine by Ariel Chates

Coffee and a meal at local morning stops

The morning happiness of a hot cup of coffee and a fresh pastry is luxurious in the United States. The restless attitude of our worker bee population generally opts for macchiatos at the wheel rather than the slow-paced sips of Parisians in morning bistros. A few places in Sarasota, however, bring the European feel of mindful mornings with homemade baked goods paired with cups of coffee. Head toward Mom G’s coffee for an authentic German pastry, like strudel accompanied by a modern cold brew, or head to OfKors bakery for a slice of Blueberry Fruit Coffee Cake. Wash it down with freshly ground Italian coffee, prepared in macchiato. For something salty, Perq cafe-bar prepares delicious baked egg pastries to enjoy with a flat white, the cousin of latte without the foam. Project cafe and Simon’s coffee make vegan versions, like Project’s homemade puff pastry and blackberry jam with oatmeal cappuccino, or Simon’s spice cake with local Java Dawg coffee. Whichever pair you choose, take a few minutes out of your morning rush to indulge in these homemade treats.

Perq cafe-bar

Waking up on the right side of the bed with baked egg pastries and avocado toast from Perq.

Perq Coffee Bar, 1821 Hillview St, perqcoffeebar.us, @perqcoffeebar

Project cafe

Homemade blackberry cookie accompanied by a cappuccino.

Project Coffee, 538 S Pineapple Ave, projectcoffee.us, @projectcoffeeco

Bakery Café Mama G

Linzer Tart and Crumb Cake from Mama G’s Coffee Bakery.

Mama G’s Coffee Bakery, 8431 N Tamiami Tr, mamagscoffee.com, @mamagscoffee

De Kors Bakery

Freshly baked blueberry coffee cake by the family bakers of the OfKors bakery.

OfKors Bakery, 1359 Main St, ofkorsbakery.com, @ofkorsbakery

From Foster to Best Friend

Local animal adoption centers see more animals than ever finding their furry homes

Southeast Guide Dog Puppy Sitter Amra Dillard Rickwa and Black Lab SE Gigi visiting Celery Fields. Photograph by Wyatt Kostygan

Southeast guide dogs supplies working dogs (guide dogs, assistance dogs, therapy dogs and companion dogs) to those who need them most. “These animals give people back their freedom and independence,” explains Muffy Lavens, the organization’s media relations manager. This metamorphic process begins the moment a client decides that a working dog will allow them to live their life to the fullest. Once their application is approved, they meet with the staff to discuss their ideal dog. The personality and abilities of the dog and the owner are considered to favor this perfect match. Clients are then invited to Palmetto for training, both on and off campus, so their dogs can learn clues alongside them in real settings before returning home. “When you see a dog and a client meet for the first time on game day, it’s magic. The dog knows he is there for that person and a bond is formed instantly, ”she says. “This reinforces the importance of draft animals. The more we place qualified dogs with deserving people across the country, the more society becomes aware of their purpose. It is a learning process for everyone. Southeastern Guide Dogs also features campus experiences like Beyond the Dark, which give people a taste of what it’s like to be visually impaired or a veteran with PTSD.

4210 77th St. E, Palmetto, 941-729-5665, guidedogs.org, seguidedogs.

Photo courtesy of Nate

Nate’s Honor Animal Rescue

Launched in 2008 as a hospitality organization, Nate’s Honor Animal Rescue has grown from finding homes for 60 to 2,000 animals per year; many of which have been abandoned or neglected. “The animals that pass through our shelter are lucky because people in our community can provide them with great homes,” says Dari Oglesby, who started volunteering 11 years ago with her daughter. She is now an executive director and her daughter is in vet school – a testament to how honoring Nate and places like it can profoundly change the lives of animals and humans. Every minor animal, pregnant animal or shy host enters a foster family while waiting to be adopted by their family forever. “We have host families who have saved hundreds of lives by opening their homes,” says Dari. For people who travel, work, or can’t afford a pet but love animals, fostering is the perfect process. Even before these animals are adopted, Honor works to find them the right home. “It’s all about animals, if someone wants to adopt an animal that is not suitable for them, we work with them, we redirect them and help them find their perfect pet,” she says. Everyone at Honor is there for one reason: to save the animals. And saving them is 7 days a week, 365 days a year. “There are rough days, but when you see an animal waiting to come out through that door, it’s worth it.” It’s no secret that those who love animals have big hearts and the number of people in our community helping shelters like Nate’s Honor Animal Rescue is inspiring.

8437 Cooper Creek Blvd., Bradenton, 941-747-4900, nateshonoranimalrescue.org, @nateshonoranimalrescue.

Christopher and Loretta Mattie strolling past their home at sunset with their newly adopted German Shepherd puppy, Kona, found at HSSC. Photograph by Wyatt Kostygan

Sarasota County Humanitarian Society has been caring for animals and placing them in their homes forever since 1952. Originally they could only house six cats and 48 dogs, but since they’ve grown bigger and declared themselves safe havens without killing, they’ve up to 250 animals on site every day. Caring community members often find and bring underage puppies or kittens that cannot be adopted until they have been spayed or neutered and are 12 weeks old (this is where the foster program comes in) . “We want these animals to live in a family environment where they can receive the care they need to become someone’s new best friend,” said CEO Anna Gonce. After 20 years in animal welfare, Gonce, like many of us, can’t say no to kittens (who are most at risk in traditional shelters). Since the beginning of October, she has bred a dozen litters of her own, all of which have found wonderful homes. “Pets play an important role in our lives. It’s a form of unconditional love, a best friend, a therapy animal, a playmate, ”she says. “When a person and an animal choose each other, this is where the magic happens.” And The Humane Society wants to participate in its realization. The organization has built a new facility that will allow the team to care for 900 more animals each year (there will be a grand opening later this month). “This new facility is a great place for our animals, but it’s not just that,” she says. “This represents our renewed commitment to the animals of Sarasota.”

2331 15th St., Sarasota, 941-955-4131, hssc.org, @humanesocietysrq.

Humane Society of Manatee County

With a second-chance adoption program and a veterinary clinic that served 13,500 animals last year, their CEO, Rick Yocum, has been rescuing animals – and people – since 2012. The average length of stay for an adult animal from another refuge, such as a surrender, or a stray is less than 40 days old. “It’s about being able to provide the best care for our animals, we are the Humane Society and we need to act on it,” says Rick. The Humane Society is in the business of twinning and their programs do just that. They match animals with adopters and help them learn more about the pets they are raising in their families. It’s a very personal process. They encourage potential adopters to bring pets home for a 4-day, 3-night sleepover. If it’s not a good fit, they can bring this animal back guilt-free and wait for a better match and if so, an adoption is in progress. “People often walk through our door expecting to leave with a pet and that’s not always the best way. It takes patience to find the right animal. Patience also applies when people bring an animal home, giving it time to get used to its new surroundings. They offer a senior program for seniors as well as an animal behaviorist to keep animals in homes and out of shelters. When they transfer animals, they do so locally. “There is a connection between people’s health and having a pet,” says Rick. “It lowers blood pressure and gives people with mental illness a reason to get up in the morning, take a walk, and talk to other people.” Animals are truly our saving grace.

2515 14th St. W., Bradenton, 941-747-8808, humanemanatee.org, @humanenatee.

Down By The Waterside – Immobilier :: SRQ Magazine Article by Jacob Ogles

Commercial tenants have already announced that they will open their doors at the Waterfront as soon as possible. From law firms to new restaurant concepts, there is the promise of a vibrant and culturally rich neighborhood. New tenants in storefronts and dining spaces see a younger demographic of consumers frequenting this new corner of Lakewood Ranch, an indoor community that in its early iterations attracted snowbirds and retirees. As more mixed-use development and office space came online at Lakewood Ranch, it has drawn a wider age range and more families to the east.

Waterside Place marks a milestone in creating a thriving destination for all ages of consumers.

“There is something here for everyone,” said Joe Guli, CEO of Tableseide Restaurant Group. “It works perfectly for us. Tableseide, the company behind other famous local establishments like Libby’s and Oak & Stone, plans to open the doors of Good Liquid Brewing Company before the end of October, a restaurant and beverage outlet in Waterside. With an open covered patio by the lake, near the kayak launch pad and volleyball courts, the new establishment intends to appeal to beer lovers and foodies alike. The brasserie will be able to accommodate nearly 300 people, or about half of those available outside. The catering business has partnered with the existing Good Liquid Brewery in Bradenton, which plans to produce craft beers, spirits and all kinds of beverages, while the team at Tableseide has a higher menu than what usually found in a bar. Exclusive beef, premium steaks and premium chicken will be sourced from the kitchen while the bartenders serve a series of specialty cocktails on top of what’s on offer.

Guli expects a young and hungry audience, but financially comfortable. An overlapping demographic prompts Ibrahim Saad, CEO of Mancave for Men, to open a store in the new area. With a location already open at University Town Center, Mancave has an audience of clients who appreciate master barbers doing their hair. “We’re not just a barber shop,” Saad said. “We have adapted our boutiques to be more focused on well-being and masculine style. We offer advice on thinning hair, color, vitamins, injections and vitamin therapy to strengthen hair and give our clients a young and stylish look.

So why Waterside? Hailing from the community, Saad said there was an audience looking for premium service at Lakewood Ranch who no longer wanted to travel to Sarasota, Bradenton or even Tampa to find it. This pedestrian-oriented shopping should attract this same clientele. “Although Waterside is new, it offers a new concept to the region,” he said. “Unfortunately, Lakewood Ranch Main has lost its appeal over the years, and Waterside will be the new spot; it has the Lakewood Ranch “mojo”. Finished with the old, place with the new. Smith Law managing partner Chris Smith plans to move his from a corporate park on Lakewood Ranch Boulevard to the posh new center. He expects this will attract more clients to his office doors. Lakewood Ranch Medical Group will also bring a professional class of workers and services to the area.

Smith said his company, specializing in real estate and property planning, can still attract loyal clients, but also give a growing number of other professionals a reason to come for meetings and transactions.

“Waterside has upscale mixed use, restaurants and shopping,” he said. “It offers these great options to employees and customers, who order take out and grab a bite to eat. You can have coffee and do business at the same time.

Kilwins, a chocolate factory with more than 150 branches in the eastern United States, will be opening a new one-suite location on Grand Shores Drive. Crop Juice, a vegan restaurant with locations already open at Stickney Point and University Park, will open its third location in Waterside for lovers of spinach smoothies and juice.

Duck Donuts will be frosting pastries at its sixth location in Florida. George Widunas, owner of Duck Donuts Sarasota, sees promise in location and a great place to sell gourmet signature donuts. “By bringing Duck Donuts to Waterside Place, we hope to provide smiles and sprinkle members of the Sarasota community with happiness with our warm, delicious and bespoke donut experience,” he said. “Waterside Place should be an exceptional regional destination for families, which allows Duck Donuts to contribute to the continued growth of Lakewood Ranch. “

O&A Coffee Supply, a small store with a quirky location in downtown Sarasota, will soon begin pouring brew at Waterside.

And the owners of JPAN Sushi & Grill, who already have a restaurant at University Town Center, will be launching a whole new concept with Kore, bringing Korean barbecue to a community that still cultivates dining options.

When it comes to simple lifestyle choices, 3 Form Fitness has started accepting membership applications for its opening before the end of the year and is already offering one-on-one consultations.

Cultural facilities are already in place, including the relocated Players Center for Performing Arts. When the center started welcoming tenants, long before the pandemic put the world in disarray, a concerted effort was made to organize a mix of tenants different from the Ranch’s offerings so far. At the same time, the center’s promise seems clear to many business owners who are already familiar with the Sarasota market and know the appetite that already exists in the market.

Mark Schlossberg, founder of Paint Nail Bar, started his national salon franchise in Sarasota and has locations in 14 states. Consulting his most loyal fans, many have pleaded for years to open a Paint in Lakewood Ranch. “It’s pretty obvious it’s a wonderful place for us,” he said.

Lakewood Ranch serves as a home for many people who value personal care and wish to develop a personal relationship with a service provider. This is practically Paint’s business model for success. As for Waterside itself, the population density with mixed-use apartments and condo units means the location can attract a large number of potential clients in a relatively small geographic area. At the same time, the proximity to I-75 means that guests can quickly get to Waterside from a large area that can stretch all the way to Tampa Bay. “His analyzes are stronger, stronger than Sarasota in a lot of ways,” he said. “There are fewer snowbirds than in some areas. But we also did some research and Schroeder-Manatee Ranch are just wonderful owners.

“I must add that we live here. It’s not just about cold hard numbers. We are so invested in our customers. Our staff know their birthdays and whether their grandfather has just had the operation. “

Beyoncé fans take offense at “Glamor Magazine” article listing “Kitty Kat” as one of the worst songs

“Glamor” writer Candace McDuffie drew Beyhive’s contempt on Twitter for her list of Beyoncé’s worst songs

La Beyhive took Glamorous magazine to the task after the online magazine published a list of articles Beyoncethe best and worst songs to celebrate the artist’s 40th birthday on Saturday.

Charm writer Candace McDuffie has compiled a ranking of the 10 best and 10 worst tracks from Beyoncé’s solo catalog. Despite the ranking, she left a warning at the top of the item saying, “Spoiler: they’re all amazing.”

Among the top three favorites were “Formation”, “Mood 4 Eva” and “Me, Myself & I”. On the flip side, McDuffie’s selection of “Kitty Kat” as the second worst song in Beyoncé’s discography drew contempt from many on social media. Produced and co-written by The Neptunes, “Kitty Kat” appears on Beyoncé’s second album B’Day.

Singer Beyonce, winner of Best Contemporary Urban Album for “Lemonade” and Best Music Video for “Formation”, poses in the press room during the 59th GRAMMY Awards at the STAPLES Center on February 12, 2017 in Los Angeles, California., (Photo by Frederick M. Brown / Getty Images)

McDuffie said she took issue with the accompanying music video for the song as well as Beyoncé’s attempt to “channel a feline alter-ego” with her voice.

“The video is equally impressive, with Beyoncé donning a sequined leopard-print bodysuit while riding an oversized black cat,” McDuffie wrote. “An artist taking a creative risk is always appreciated, but unfortunately I think Bey missed the mark with this one.”

Many Beyhive members took to social media to display their distaste for McDuffie’s rating of “Kitty Kat”, so much so that it has become a trending topic on Twitter. Some shouted the praises of the song.

“Kitty Kat is literally one of Beyoncé’s best songs,” a Twitter user with the name mick noted.

“Kitty Kat is without a doubt the best Beyoncé record that has ever existed. Bridge and post-bridge rap alone> “, a passing Internet user Mel smith job.

Others took issue with McDuffie’s opinion of the song.

“Imagine writing in a major publication that Kitty Kat Christ is one of Beyoncé’s worst songs,” digital creator Franc de Fonz said in a post, accompanied by a cartoon of a girl with an incredulous look on her face edited to include a handgun and bullets on a desk.

“I would like to know the age of the Glamor publisher who ranked Kitty Kat Beyoncé’s top 2 worst songs…” another named user Tierra harris said in a tweet which included a photo of the decorated singer.

For the worst song on the list, McDuffie chose “Beautiful Liar”, another B’Day Track. She wrote that song, a duet with Shakira, “Feels cheap and relies too much on each artist’s sexual desirability instead of their vocal abilities”.

Once again, fans took to Twitter to express their disdain.

“Making a list of Bey’s ‘worst’ songs the night before her birthday is very daring, but putting KITTY KAT on that list? Bold and stupid, ”posted a Twitter user named Donovan, which drew another critical response from another account.

“SAND CASTLES ????? SUPERPOWER ?????? BEAUTIFUL LIAR ????? I’m starting to understand why the hive was chasing people off the internet like what? A user with the name Young Padajuan said in a response calling three of McDuffie’s picks in the least favorite list.

“I’m sorry, what ??? they put so many firecrackers in the worst category. that’s slander,” a user with the name olivia noted. “Now excuse me while I listen to kitty kat, suga mama, beautiful liar, school in the life, superpower and sandcastles, ty.”

McDuffie chose a total of three songs, including “Suga Mama,” from the album B’Day, which also celebrated its 15th anniversary on Saturday. The album is a triple platinum hit, making it Beyoncé’s second best-selling album, according to Billboard. He spawned the Top 10 Billboard 100 hit singles “Irreplaceable”, “Deja Vu” and “Beautiful Liar”.

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The post office Beyoncé fans take offense at “Glamor Magazine” article listing “Kitty Kat” as one of the worst songs appeared first on The Grio.

This Old Thing: Magazine article sheds new light on the history of the English vase

In January 2020, David in Ottawa asked to help him with an exciting family vase depicting “Kirkstall Abbey”. It is 29cm high (11.5 inches) and the underside shows the crisp terra cotta clay imprinted with two different monograms which I guess would be pretty easy to identify. Over a six month period, on and off, I started browsing several books on English pottery marks in my library. I’ve found nothing.

I decided to contact Bill Kime, decorative arts manager at the Waddington auction house in Toronto. A few more weeks passed until Bill replied that he was also stuck. The quality of this work of art is very high, which prompted me to broaden my search to include all European and American ceramic brands – again, to no avail.

Then – months later, out of the blue – a phone call. Bill had been disturbed enough by this puzzle to contact a friend of his, David Simmons, at Port Hope – a British ceramics specialist who provided the answer – at Langley Mill Pottery based near Nottingham, England. Bill developed the information by disentangling the monograms to be those of the two artists who designed the decoration of the vase – a collaboration between George Leighton Parkinson and Helen Goodyer during their tenure at the Calvert & Lovatt Pottery Partnership between 1883 and 1895. I wrote the breaking news and quickly added it to the newspaper’s column request as a solid $ 500 coin – just under a year in preparation for the end of January 2021. Mystery solved!

Meanwhile, a ray of hope credited to the events of COVID had given me some time to organize my tax records and my library. I was also preparing for a pending and uncertain operation and focused my attention on collecting reading material in case things progressed. I rediscovered a wonderful monthly to which I had subscribed for several years – ‘Antique Collecting’ – then published by the Antique Collectors’ Club. I had only read about half of what I received and hopefully grabbed about 10 issues still contained in their unopened mailing envelopes. I canceled my subscription over 13 years ago.

My scheduled surgery was January 29, 2021 – the birthday of my best friend and neighbor, Dorothy Babcock. Just the day before, she had said it would be a good day because of the coincidence. It was 9:10 a.m. on January 29, 2021 – just two hours before I was on the stretcher waiting to be taken to the operating room for my necessary but routine surgery.

At that point, I decided to do something that Google cannot do. I opened the first issue in the stack of 10 – February 2003 – and started “flipping” through it like we did with those big little books that had individual designs in the top corners that resulted in a ” movie “. I was scanning from back to front and was almost done when a title popped up to me: “Langley Mill Pottery! I was amazed. In front of me were the first two pages of a six-page article by John and Jenifer Giblin depicting a pair of similar vases and the artists’ monograms. They are the authors of a book on the subject. The history of pottery was in the following pages along with catalog pages and illustrations of other items they produced.

There was my temptation to heal – the prospect of a good read on completing a year-long vase mystery information – that sat under my nose, in my own library, for almost 20 years.

John Sewell is an antiques and fine art appraiser. To submit an article to his column, go to the ‘Contact John’ page at www.johnsewellantiques.ca. Please measure your part, say when and how you got it, what you paid for, and list any identifying marks. A high resolution jpeg photo should also be included. (Only email submissions are accepted.) * Evaluation values ​​are estimates only. *

DNA Couture – SRQist :: Article from SRQ magazine by Brittany Mattie

From the podium to the roundabout, Rahelia dresses the modern woman with a long haute couture on the floor.

When you’ve been in the fashion and makeup industry for over 30 years, like Rachel Durrani, you’ll likely be working closely with celebrities, finding yourself at photoshoots with creative figures such as Andy Warhol, and sitting next to the most popular trendsetters and buyers from Saks and Bergdorf Goodman at Fashion New York Week. Durrani has worked alongside the best of them, making a name for himself with his upscale boutiques, Rahelia, located on Madison Avenue in New York; in Westchester, NY; and Westport, Connecticut.

Rahelia, 1420 Ringling Boulevard, Sarasota, 941-330-1600, raheliacouture.com

Now with a large downtown retail store on Ringling Blvd. roundabout, Rahelia brings SRQ to New York level with prom dress brands you don’t see going in and out of department stores or clothing chains. “I am never influenced or convinced by other buyers. I buy for the real woman, not for the models, ”she says. “It means I watch how the fabric falls, how it moves and feels. I won’t buy it unless I think it will accentuate and flatter all body types and women of all ages. Durrani has established a rolodex of connections since his time in New York City to bring high-fashion designer evening wear to the hanging shelves of his shadow box closets built into the walls of his store. You won’t find your typical David wedding dress at Durrani, nor will she try to sell you a dress for sale. “There is a psychology in fashion design: understanding someone’s needs, personality and lifestyle is important in dressing them for a special occasion and feeling their best,” she says.

Make pomp and glamor with the stylist, buyer and owner of the Rahelia Couture boutique, Rachel Durrani.

With over half a million dollars in inventory, including designers such as Versace, Oscar de la Renta, Elie Saab and more, Durrani not only personally finds his clients a suitable number for the gala season, black tie events or weddings, but will style them from head to toe if they are looking to also accessorize with scarves, shoes and jewelry to coordinate. “I get a lot of mother of the bride and groom customers desperate to find a dress that doesn’t look ugly or ‘old’,” she says. “No woman wants to feel uncomfortable at her son’s wedding; to Rahelia, they won’t have to.

3 camera magazines for $ 3 in an amazing 2021 photo magazine subscription deal!

Looking for a good deal on a photo magazine that arrives at your doorstep every month, then this fall subscription offer is the perfect solution!

Getting a photography magazine is a great way to improve your shooting knowledge and keep up to date with the latest kits and trends.

With this huge range of titles on offer, there is something for everyone, regardless of skill level and camera system – and right now you will get an amazing introductory offer, where you can receive 3 numbers sent to your device for just US $ 3 (or € 3 or £ 3).

With our four titles publishing 13 issues per year, a magazine subscription is truly the gift that continues to be given, whether it is for yourself, your partner, a friend or a member of your family.

The photo magazines below are sister brands of Digital Camera World, which means they are made up of experts in their field and offer a great mix of tutorials, tips, buying advice, reviews, and reviews. inspiration in each issue.

The best photography magazine subscription deals

Read more:

The 2021 Photography Show: all you need to know

50 Best Camera Accessories, Gadgets & Gifts For Photographers in 2021

The best books on photography

Chris george

Chris George has been with Digital Camera World since its launch in 2017. He has written on photography, cellphones, video making and technology for over 30 years – and has edited numerous magazines including PhotoPlus, N-Photo, Digital Camera, Video Camera. , and professional photography.

His first serious camera was the iconic Olympus OM10, with which he won the title of Young Photographer of the Year – long before the advent of autofocus and memory cards. Today he uses a Nikon D800, a Fujifilm X-T1, a Sony A7 and his iPhone 11 Pro.

He has written about the technology for countless publications and websites including The Sunday Times Magazine, The Daily Telegraph, Dorling Kindersley, What Cellphone, T3, and Techradar.

Fan of friends discovers 2004 magazine article predicting how the cast would age – and it’s a long way

For reference, here’s what the cast of Friends looked like in 2004:

NBC via Getty Images

Friends launched a promotional shoot for the tenth and final season

And this is what they look like these days:


Friends threw in a promotional photo for the recent reunion special

So, unless the next three years turn out to be particularly nasty with the cast, we can conclude that the magazine’s prediction was far from done.

The cast of Friends reunited for the single unscripted special in May, which was the first time they had all been on TV together since the sitcom ended in 2004.

During the special there were a number of reveals and surprises, including Lisa’s Smelly Cat duet with Lady Gaga and David Schwimmer’s admission that life almost mimicked art for itself and Jennifer Aniston.

A number of guest stars including James Michael Tyler, Maggie Wheeler, Christina Pickles and Elliot Gould shared their special memories of the show, while there were also appearances from prominent fans including Justin Bieber, BTS, David Beckham and Malala Yousafzai.

Friends: The Reunion is still available to stream on NOW.

HuffPost may receive a share of purchases made through links on this page. Prices and availability subject to change.

Bayer brings digital ophthalmology to Lebanon through its Alleye home monitoring sponsorship program

As the way we receive health care moves more and more online, Bayer Middle East seeks to use digital health to provide better eye care to local patients and support physicians through the launch of the sponsorship program of Alleye home monitoring.

Dr Samer Al Faqih, Managing Director and Head of Commercial Area at Bayer Levant, explains how Bayer is innovating in virtual care.

Courtesy of Zaven’s “Bala tool Sira” program

What is Alleye and how will it improve the patient experience?

“Alleye” is a mobile medical software application that can detect and characterize visual distortion in patients with retinal diseases such as age-related macular degeneration, far moderate or severe visual impairment, or blindness. What makes it such a revelation in terms of eye care is that patients can now check their condition on their own at home and it is also very user friendly and simple to navigate. Patients will be able to send their visual scan results to their ophthalmologist who, in turn, will analyze their results to determine if the patient’s condition is stable or if it has improved or progressed in a way that requires intervention. .

In short, Alleye means that patients can manage their condition from the security of their home, giving them the peace of mind they need.

What is the current landscape in terms of retinal disease and eye care in Lebanon and the region?

As we all know, the COVID-19 pandemic has caused massive disruption in the healthcare industry, forcing professionals to re-examine the traditional model of face-to-face patient-physician care. He also highlighted the need to integrate new models of digital health solutions in ophthalmology, such as home monitoring, to meet this challenge.

Diabetic retinopathy, a complication of diabetes, is the leading cause of preventable blindness in adults. A recent study also showed that 24.6% of type 2 diabetic patients in Lebanon suffered from diabetic retinopathy and diabetics with more severe diabetic retinopathy presented late to ophthalmology clinics.

In addition, it is estimated that diabetes as a disease will become even more prevalent than in the region over the next two decades, with data from the International Diabetes Federation’s Diabetes Atlas revealing that cases of diabetes in the Middle- East are expected to increase by 110%. by 2045.

In terms of eye care, there is really nothing like Alleye in Lebanon or the region, so it will be a revolutionary tool to help meet the needs of patients and physicians for disease management.

How will the program help in this regard?

The sponsorship program allows ophthalmologists from partner hospitals across Lebanon to keep a regular track of the vision of their patients with retinal diseases, with the aim of limiting deterioration related to diabetes and aging as well as optimizing visits. ophthalmologists in person. In addition, ophthalmologists will also be able to use Alleye to observe the condition of their patients, monitor disease progression and distribute needs more narrowly than ever before.

Another huge benefit of Alleye, and of this program in particular, is that it will also help us detect early signs of the disease before the patient really realizes it, giving us a chance to prevent further disease. long-term and irreversible damage. A recent study showed that Alleye can detect the progression of macular disease with an accuracy of 93.8% and a false alarm rate of only 6.1%, which means that the false alarm rates for the detection of progression of macular disease via home monitoring are low.

About Bayer

Bayer is a global company with core competencies in the fields of life sciences, healthcare and nutrition. Its products and services are designed to help people and the planet prosper by supporting efforts to address the major challenges presented by a growing and aging global population. Bayer is committed to promoting sustainable development and generating a positive impact with its activities. At the same time, the Group aims to increase its profitability and create value through innovation and growth. The Bayer brand stands for trust, reliability and quality around the world. In fiscal year 2020, the Group employed around 100,000 people and generated sales of € 41.4 billion. R&D expenses before exceptional items amounted to 4.9 billion euros. For more information, visit www.bayer.com.

CF Approval Code (MA-M_AFL-LB-0010-1)

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Magazine article claiming whole milk has made a ‘triumphant comeback’ with the ‘hot girls’ sparks division

The article claims that whole milk has made a “triumphant comeback” (Getty Images / iStockphoto)

An article declaring the “triumphant return” of whole milk divided readers, with some agreeing with the statement while others denounced the assertion.

In an article for New York magazine ”the Grub Street food and restaurant blog, titled: “Whole Milk makes its triumphant return: “Hot girls abandon alternatives and come back to basics,Writer Emily Sundberg reflects on her experience of consuming whole milk while on vacation in Europe, rather than dairy-free alternatives, before sharing the evidence to support her belief that cow’s milk is making a comeback.

According to Sundberg, who began by listing the different alternatives to milk that have emerged over the years, when she found herself traveling without caring about dairy-free alternatives, she felt “in a simpler world. and more sensitive “.

“I was in a simpler and more sensitive world, a world with no alt mylk or non-dairy cream in sight. The real the international delight, I realized, is to pour whole and whole milk into your coffee; it is perhaps the most civilized activity in which a person can participate, ”Sundberg wrote.

Sundberg then revealed that since her revelation, she has spoken to other people who have come to similar conclusions or who have seen a return to whole milk.

One of those people, a New York City waitress named Meetka, told Sundberg she found herself getting fewer orders for oat milk and more whole milk in the past two months. – a phenomenon she suspects may be due to the bad press surrounding alternatives such as the almond, which has been reported to be bad for the environment.

Another person, Caroline Hesse, manager and cheese maker at Crown Finishing Caves in Brooklyn, told Sundberg that the change was likely due to the realization that “arguments against dairy ignore many of the complexities of our food system.”

According to Hesse, she has heard of several people reverting to cow’s milk or other dairy products and in doing so triggering a “domino effect.”

“After such a long time without anyone even considering milk, there is now something taboo and appealing about keeping it in your fridge,” she said.

Ultimately, Sundberg suggested that a return to whole milk is “an antidote to languor, or at least a reminder that we can all do a little less and everything will be fine.”

She concluded the article with a quote from Hesse, who described how once people see a friend drinking cow’s milk again and nothing bad happens, it is easy for them to get over it. convince that dairy products are “good – and even good”.

“And once people try it for themselves, they realize how hungry they are all this time,” Hesse told Sundberg.

On social media, the article sparked a spate of responses, with some agreeing with the assessment while others criticized Sundberg’s point.

“Don’t call it a comeback, we’ve been here for years,” one person tweeted, while another said: “I could never understand the hatred of whole milk.”

However, many others have criticized the article on the grounds that access to alternative milks is beneficial for people with lactose intolerance or allergies to dairy products.

“Two-thirds of adults on this planet cannot digest cow’s milk, but it is safe,” tweeted one reader.

Another said, “Baby, I can’t digest dairy products.”

The article also raised the issue of sustainability, with some pointing out that most alternatives have less of an environmental impact than cow’s milk.

“I cook with whole milk but for daily consumption I go with oat milk. It’s not even really nutritional, it’s environmental, the same reason I decreased my consumption of red meat, ”one person wrote.

According to Statistical, to produce one liter of cow’s milk in 2018, 628 liters of water were needed, while almond milk required 371 liters. Oat milk and soy milk required 48 liters and 28 liters, respectively.

Others were simply against the idea of ​​whole milk being superior, with someone else tweeting, “You can try to get my unsweetened vanilla almond milk out of my hands, but you will fail.”

Read more

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Boost for an IT business that thrived during the lockdown

A company that supplies refurbished computer equipment has received a government-backed loan of £ 600,000 from the Northern Powerhouse Investment Fund (NPIF).

Headquartered in Harrogate, Intelligent Servers Ltd was founded in 2011 by its Managing Director, Andrew Hughes, who specializes in HPE, Dell and Cisco. It has grown organically year on year and now generates revenue of around £ 8million per year, supplying refurbished products to over 3,000 customers including the BBC, Canon and Manchester United.

During the pandemic, they saw a 1,600% increase in laptop orders as people flocked to work from home. They have also worked on many larger IT projects to quickly increase bandwidth for video conferencing companies and have helped schools move education online. In an era when millions of people have been laid off or on leave, smart servers have increased their workforce by 50%.

This NPIF investment will be used to improve purchasing power, facilitate inventory growth, expand warehouse staff growth, while safeguarding 50 jobs.

The deal was facilitated by FW Capital’s deputy fund manager Keith Charlton after an introduction by Mel Nally, regional sales manager for Skipton Business Finance. He said: “From our first involvement with Andrew and his team in 2019, it became clear that the company had significant growth potential, as long as it could maintain the stock levels required to meet an endless demand. increasing. “

FW Capital provides loans of £ 100,000 to £ 750,000 to companies based in the NPIF region, with a focus on the North West, Cumbria and the Tees Valley.

More about them here

Learn more about NPIF here


A £ 500million fund to help SMEs grow

WSOP 2021: Renan Bruschi wins his first gold bracelet after winning event # 14 for $ 1,50,327

WSOP Poker

World Series of Poker (WSOP) Online events continue to help Brazilian poker players. Renan Carlos Bruschi became the fifth Brazilian to win a WSOP bracelet this year after defeating Leonid Bilokur in a heads-up event in Event # 14 to win the top prize of $ 1,50,327. The tournament itself was a huge success, attracting 2,639 entries and generating a huge prize pool of $ 1,253,525.

Brazilian gold medalist in 2021, Renan Carlos Bruschi now joins the ranks of Joao Simaao, Thiago Crema, Eduardo Pires and Lucio Lima.

Here’s a quick look at what happened at Friday’s event.

Latvian native Andrejs Zukovs played against Brazilian pro Rafael Furlanetto and the first finished in 9th place with $ 15,032.

Eugenio Pernia of Venezuela defeated Australian poker pro David Wang to take 7th place, the latter losing with $ 20,046.

Bulgarian poker pro Nikola Minkov defeated American native Nicholas Maimone, and the latter was eliminated in 6th place with $ 35,648.

Irish pro Arthur Conan pulled out of the game with $ 63,391 against Brazilian pro Rafael Furlanetto, who finished 3rd with $ 84,534.


ALSO READ: WSOP 2021: Vincas Tamasauskas Wins First Gold Bracelet After Winning Event # 13 For $ 2,689,226

Russian pro Leonid ‘Mikleler’ Bilokur, who entered the final table with the smallest stack, managed to climb to the top of the table with three players remaining. Bilokur finished second in the standings and exited the game with $ 1,728.

Brazilian Renan Bruschi took the lead and dominated the standings, taking home $ 1,50,327. He added another feather to his cap by winning his first career WSOP gold bracelet.

Final table payouts

  1. Renan Carlos Bruschi

$ 1 50,327

2. Leonide Bilokur

$ 1,12,728

3. Rafael Furlanetto

$ 83,534

4.Arthur Conan

$ 63,391

5. Nikola Minkov

$ 47,537

6.Nicolas Maimone

$ 35,648

7.Eugenio Pernia

$ 26,732

8. David Wang

$ 20,046

9. Andrejs Zukovs

$ 15,032

For more information and updates on the World Series Of Poker, keep reading GutshotMagazine.com. Follow us on our social media handles on Facebook, Instagram, Twitter, and Telegram.

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The Motley Fool’s Interview With Cryptocurrency Expert Nic Carter

As part of our Bitcoin (CRYPTO:BTC) Day coverage on March 18, our own chief growth officer, Anand Chokkavelu, sat down for a chat with cryptocurrency expert and venture capitalist Nic Carter on Fool Live. In this interview, Nic shares his thoughts on Bitcoin, other cryptocurrencies, the future of money and finance, the NFT investment trend, and much more. 

Anand Chokkavelu: Hi. I’m Anand Chokkavelu, and our next guest on Bitcoin Day here on Motley Fool Live is Nic Carter. His crypto waters run deep. He was Fidelity’s first crypto-analyst. He co-founded Coin Metrics, whose mission is to empower people to make informed crypto financial decisions. It sounds a lot like The Motley Fool in the broader investing world. He’s a venture capitalist at Castle Island, where they invest exclusively in blockchain companies. He’s bringing a lot of knowledge to the table, and he’s going to share it with us today. Thanks for spending some time with us today, Nic.

Nic Carter: My pleasure. Thanks, Anand.

Chokkavelu: Well, Nic, as our name suggests, we’re a motley group of investors, but most of us are primarily investors in the stock market. I’d venture that most of our members and readers and viewers don’t own any Bitcoin or other cryptocurrency. Can you make the elevator pitch for why someone should consider Bitcoin?

Carter: Well, I would say, first of all, it’s a bet on a novel monetary system, and if that’s interesting to you, if you are disaffected with the existing monetary system and you’re looking for some alternative monetary rules that are nondiscretionary, that strip human decision-making from that system, then you might find Bitcoin attractive. If you are really interested in nonstate stores of value like gold, you might want to give Bitcoin a look. But it’s certainly a pretty novel thing. It’s outside of a lot of people’s comfort zone. I’m not suggesting that it should be a part of everyone’s portfolio or anything like that. But first and foremost, it’s a bet on a new monetary system.

Then beyond that, it’s an index on the growth of this crypto economy, which is now dramatically grown, and Bitcoin is a way to get exposure to that. So it’s a growth bet, and then in many ways you could think of it as a hedge, although it doesn’t always behave as one.

Chokkavelu: Right. Being less than 20 years old, it’s hard to get the data on all of that correlation type of things.

Carter: Yeah, it’s only been around really for 12 years. It’s only meaningfully been financialized, I would say, since 2014, 2015. Frankly, we don’t know what the correlation characteristics are of Bitcoin, what they’re going to be in the long term. But to me it’s sufficiently interesting that I decided to spend my career on it.

Chokkavelu: Right on. We talked a bit about investing in Bitcoin. For a regular investor who as we know has never invested in cryptocurrency, wants some exposure but doesn’t want a lot of hassle, what would your advice be if they came to you and said, “Hey, what should I do? What’s the easiest thing to supplement my stock portfolio?”

Carter: Well, there’s obviously thousands of different cryptocurrencies available. I think it’s very easy to get distracted and to try and bet on Bitcoin killers or new base players or new smart contract protocols or meme coins. There’s a huge amount of noise in the industry and a lot of malinvestment and misspent activity. I think Bitcoin, it’s not exactly the highest beta asset in the crypto space. You’re going to find more volatile assets, if that’s where you’re looking for, if you’re looking for volatility and excitement.

But to me, Bitcoin is really the most important phenomenon within the crypto space. It’s a new monetary system. It has that credibility. A lot of these other crypto assets are shallow imitations of it. Certainly there are interesting things going on beyond Bitcoin, but I would just start with Bitcoin, trying to understand that system in the first place, and try and deeply grasp the things that make it unique, and why it’s endured 12 years and why it’s shrugged off so many competitors in that time.

A small amount of Bitcoin exposure would be what I would recommend, such that people can tolerate the volatility of the asset, which is incredibly high, so size it accordingly. Bitcoin has annualized volatility of 80%-100%. If you want to target a level of risk in your portfolio, you want to size your bet accordingly.

Chokkavelu: Related question I know I get asked a lot is, “OK, what’s the easiest platform to use? What should I do? Do I get cold storage? Do I go with a provider?” Have you seen any solutions that, I mean, obviously, the market’s evolving and things are better each year. Have you seen anything that’s blown your mind as a simple turnkey solution for folks?

Carter: No, and frankly, we’re dealing with the encoding of value in an informational format. And so we have for the first time digital bearer assets, which means that if you lose your private key, you’ve lost the value, right?

Chokkavelu: The nightmare.

Carter: It’s a novel thing, right? We didn’t have that before. And so the last decade, we’ve been struggling to try and build tools to make it possible for people to have custody of that information on their own without the threat of being fragile. That’s really what we invest in. That’s a big part of our investment strategy as a firm, is trying to invest in tools and businesses which help people transact and hold digital assets.

For the uninitiated and for folks that aren’t holding a huge amount of cryptocurrency, honestly, custodial service providers, there’s a few that are extremely credible and that I would personally trust. Now, if you are more paranoid and you want to take final delivery of your coins, that’s when you start looking into different kinds of cold-storage setups. But that’s only, I would say, if you have a really meaningful amount of coin, and you want to take true custody of the equivalent of storing bars of gold in your basement kind of thing. There’s no simple solution to that problem. That’s one of just the key intractable problems in the industry, is storing value as information. So it’s always been a challenge, and I think it’ll be a challenge for a long time.

Chokkavelu: To be clear for folks, when you say custodial accounts, you mean places like Coinbase or Robinhood or Gemini or the Cash App.

Carter: Yeah, there’s significant differences between all of them. Robinhood, for instance, you can’t withdraw your coins. From Coinbase, Cash App, and Gemini, you can. They differ along the axes of fees. But I would say all of those institutions are credible. As long as you have a two-factor authentication set up, they’re a reasonable enough place to store a small amount of Bitcoin or another digital asset.

Chokkavelu: Right on. Now, cryptocurrencies, a lot of it is about the future. Let’s step into the future a little. I’m sure we’ll come back to this in a bit. What’s something in the blockchain-slash-crypto universe most people can’t envision today but they will take for granted five years from now?

Carter: Yeah, it’s a great question. Beyond just a monetary transformation, moving to a new standard, I think probably one of the most interesting phenomena that’s happening in the crypto space is the so-called DWeb, or decentralized Web services. The objective here is to take certain infrastructural components of the internet and strip them from these data silos that operate in Silicon Valley and exercise a lot of control over the internet and restore power into the hands of users by creating protocols, effectively, that manage the provision of DWeb resources, as opposed to having corporates control them.

Specifically, one category would be decentralized cloud storage, which is now reaching a threshold of maturity. That’s quite impressive. You can actually use these protocols now. Filecoin (CRYPTO:FIL) was a really hotly discussed launch earlier this year. You also have Sia, Arweave. We’re not recommending any of those in particular, but all these systems work, which is the important thing. In 2017, we had lots of initial coin offerings around the similar such ideas, but very little of this infrastructure actually functions. Today, you can actually use the systems to store data on a peer-to-peer model such that you have strong assurances that that data is still going to be there when you want to retrieve it. What that allows you to do is to route around the centralized internet gatekeepers that control and exercise censorship over our online selves. That’s a wonkish infrastructure change where whether it’s Amazon S3 or whether it’s Filecoin that you’re sending out your data to. But I think it has rippling effects on the whole topology of the internet.

I do believe that in five years or so, we’re going to have a lot more power and control over our online footprint. Whether that means renormalizing the notion of running your own email server or really owning your online footprint, not farming out your blog to WordPress or a third party but actually being able to administer it yourself. Having these social media systems where you’re the little proprietor in a physical sense and a legal sense of the data that you’re serving up to some social media network, to me, that’s the most interesting thing beyond just this monetary system that’s being proposed, is basically a new topology for the internet entirely.

Chokkavelu: For the folks who maybe aren’t engaging as much in the actual production on the internet and just living their lives, are there any things they’ll be touched by, regardless of what they’re worried about, blockchain or crypto assets, and just have to deal with five years from now?

Carter: Well, everyone is going to have to deal with inflation when it comes. That’s completely inescapable. Whether or not you follow the actions with the Federal Reserve, you’ll notice the prices at the pump increasing. You’ll notice food prices increasing. Many of us tend to think that the specter of inflation is returning and that we’re going to enter an inflationary environment similar to the ’70s or even potentially similar to the 1940s, when you had significant inflation and low interest rates. If we have that, everybody will notice it, and Bitcoin may not be the ordained solution. Maybe you’re going to go for some inflation and tax securities, or you’re going to want to own gold, or you’re going to want to own industrials or commodities. But certainly, people will feel that regardless of what their level of interest is in the Bitcoin space or global macro or anything like that. That’s something you just innately feel.

At this point, you look at the fiscal position — you look at debt-to-GDP ratio. You look at all these historical situations where the states are in similar fiscal positions. It seems that a soft default tends to be the only way out, so basically, an inflationary move to devalue the currency that your debts are denominated in. We as a society are tremendously indebted right now. I think we’re going to have to work our way out of that regardless. I think it’s a little overoptimistic to think that we can grow our way out of it the way we might have done in the ’40s and ’50s. I think we’re set for a fairly inflationary decade. I think the Fed is telling us that, if we just listen to them. That will be something that will affect regular households regardless of how closely people follow the headlines.

Chokkavelu: I promise listeners and viewers we’ll get to CryptoKitties in a second. But I’ve got a follow-up on this, where, when you look at monetary policy and monetary systems, do you see Bitcoin as not a replacement but similar to gold, or do you see it as something that could become the default currency of the world rather than the U.S. dollar? Or do you see them all kind of playing together? Or do you have a strong view on that?

Carter: Some people accuse us of saying, “Well, Bitcoin can’t succeed unless all sovereign currencies fail,” or something like that. That’s definitely not my position, at least. I see Bitcoin as very similar to gold in a lot of its key respects. It is a nonstate hard money. When I think about what a global reserve currency is, that tends to be accompanied by a hegemonic power. I don’t see a sovereign right now standing behind Bitcoin and declaring its intent to install it as a global reserve.

The dollar is the global reserve because the U.S. won World War II and created the Bretton Woods system and then backstopped the dollar with military force and diplomatic and economic force and all the institutions that they were able to create in its image. Bitcoin doesn’t have that sovereign standing behind it. So I don’t necessarily expect it to emerge as the sole global reserve currency. I do expect it to be a useful medium for the settlement of international trade as trust breaks down at the international level.

As we enter this much more multipolar world where trade is now, and commodities are priced in not just the dollar but the yuan and maybe the ruble — as the dollar system frays, there’s going to be scope for a number of co-existing currencies. And Bitcoin as a nonmanipulable currency, at least from the supply perspective, is a great option to be part of that mix. And so certainly, I think there’s a role for it in the international system. I don’t see it as being the sole currency that denominates commerce, though.

Chokkavelu: Now, I’ve foreshadowed CryptoKitties. Let’s move to NFTs, nonfungible tokens. It’s something like a lot of things over the last year in the finance space — many of us had never heard of a week before, two weeks before; then it’s in all the headlines. A nonfungible token is as opposed to a fungible token like Bitcoin, where everything, like is like — a digital asset put on the blockchain and sold. You can think of it as artwork. We’ll get to that example in a second. Trading cards like NBA Top Shot. Jack Dorsey has been auctioning off his first tweet on Twitter (NYSE:TWTR). Probably the headline everyone’s read now is people selling his digital artwork — a jpeg, basically — for $69 million through Christie’s, a legitimate auction house, and that’s a lot of money.

I guess the question for you is, as we hear about these NFTs, which certainly even a month ago we weren’t hearing about, do you see them more like Beanie Babies, where it’s more of a fad? Or do you see it like Bitcoin, which I assume you think will be around decades from now?

Carter: Yeah, it’s a great question. Technically, I would say the notion of putting serial codes into a public blockchain context, and then making them freely transmissible on chain, that idea of basically putting a strong property-rights wrapper around some digital property, some digital content, which is unique or uniquely addressable, that has existed since about 2016 in the crypto space. You look at Colored Coins on top of Bitcoin; that was the idea behind that. The Counterparty Protocol, the Omni Protocol, and then NFTs themselves — that’s the more Ethereum (CRYPTO:ETH) incantation to refer to the concept. Before, I think people call them uniquely addressable assets. We saw them in 2017, and then of course, they’ve had a resurgence this year.

So it’s not, strictly speaking, a novel concept. In fact, it’s been around for five years, I would say there’s definitely something there. I don’t think the concept is going to fade away, because really, all it means is, let me take some data and encode it into a natively blockchain-based context such that I can financialize that data and render it innately tradable and transferable. That’s pretty useful.

Of course, you do have liabilities. You have to have an issuer that says OK, the serial code matches this piece of content, or this song, or this video, or this artwork. So you actually do have that external dependency. So it’s not natively digital like Bitcoin is, but it’s sort of a hybrid.

But I think the idea is very strong, especially if you have a tight linkage between the underwriter of the content, the person that’s creating it, and wrapping it, and putting it on chain, and the actual IP that’s being put inside that wrapper. If we don’t have that linkage, then you’re going to have problems, because you’re trying to take something which is dubiously owned, like, let’s say I’m trying to put a meme in an NFT, Pepe the Frog or something. There’s no real owner of that. Of course, you have the artist that created it, but it’s this cultural phenomenon, so who can be said to own it? I can’t really claim ownership over that thing, but then I’m putting it in a strong property-rights context. So I’m wrapping something that’s dubiously owned in a blockchain context that creates very strong assertions as to ownership, and so you’ve got conflicts there.

I think it only really works in, for instance, a Top Shots context, where you have, the NBA has anointed a specific platform, and they are saying, yes, this is our intellectual property. You can’t own it. We’re not going to give you the rights to the IP so that you can go and resell them, but you can have the bragging rights to uniquely own this edition of this highlight, basically. So that’s a very strong concept. The fact that it’s on a public blockchain means that you can then trade it and financialize it, and there’s an open API. That’s the whole notion of blockchain. Anyone can read and write to the chain, which gives you really interesting interoperability potential.

So yeah, I think the core concept behind an NFT is very powerful and likely to stick around. Of course, there’s a lot of confusion as to what it’s really for, and a huge amount of misspent activity and speculative activity that’s reminiscent of the Weimar Republic kind of thing, and we see that in every asset class, not least of which, we see it in NFTs, too.

Chokkavelu: So if NFTs are going to be around and growing over time, but it’s hard to pick the winners, a question I have and I know a lot of people have is, Ethereum is the cryptocurrency and blockchain behind a lot of the NFTs. It’s already the No. 2 cryptocurrency by market cap behind Bitcoin. Do you think Ethereum is a picks-and-shovels play for NFTs? In other words, not picking the winner, but it grows in usage as this grows? Is that a viable thing, or are there flaws in that theory? Too simple?

Carter: Well, honestly, in the crypto space, you just try not to overintellectualize things, because I’ve seen a lot of people that talked themselves out of positions and bitterly regretted that in years past. Ethereum does have the most traction when it comes to NFTs, and then decentralized finance and things like that. In prior years, I might have told you, no, there’s no direct causal connection between the usage of Ethereum, the platform, and then Ether, the price of Ether, the native currency there.

But actually, that’s changing a little bit. This year, the Ethereum leadership, or community, or whatever you want to call it, decided to put in a change to Ethereum such that when there’s very high levels of fees, some of those fees get burned and basically reduce the outstanding supply of Ether, the currency of the network. So what that does is that creates a causal linkage between usage of the platform, and users pay tremendously high fees to use Ethereum. I made a few transactions yesterday and paid $80 in fees, which I thought was extortionate.

Anyway, [laughs] users will pay. The highest number of fees that have been paid in a day has been $150 million on Feb. 23 this year. Some of those fees will get routed into burning Ether, which tend to amount to a stock buyback. You can think of it like that. Now there is a bit more of a connection between the utility of the protocol and the actual underlying value of the asset, Ether, which, that connection did not exist in prior years. So that’s why my answer has changed. Like I said, if you do want exposure to the usage of Ethereum and you think that’s likely to increase, Ether is a way to play that.

Chokkavelu: Got it. Switch a little back to Bitcoin. Specifically, a lot has been written recently about the amount of energy used to mine Bitcoin. By design, it gets more resource-intensive as we go along. How do you think about the environmental impact of Bitcoin mining in the long run? Are there solutions that you think, or considerations people aren’t factoring in, that mitigate the environmental impact?

Carter: Yeah, there’s absolutely mitigating factors if you look into how Bitcoin miners actually interact with the earth’s resources, for sure. Although before we even get into that, I will just say Bitcoin is a utility like many others, like aluminum smelting, or like any industrial process that produces a service that we consumers value. And like anything else that produces value, it’s energy intensive.

So my general stance on this is that the solution is not to take a line-item editor’s red pen and go through all the usages of energy in society, but it’s to decarbonize the grid itself. To render the grid greener through a combination of nuclear, hydro, and other renewables, basically. We don’t normally have this discussion where we look at usages of energy and we proscribe them and say, yeah, actually, you are not allowed to watch Netflix today because I, a third-party, perceive that to be wasteful. That’s not typically how that debate goes, and so I find it curious that that’s a stance that that debate is solely constructed in that way as it pertains to Bitcoin.

The other thing I will mention, the mitigating factor, is that Bitcoin buys energy on a geography-independent basis, which is not the case for the way that population centers consume energy. Typically, we need green energy to be generated near population centers. You can’t just put a huge number of solar panels in the Sahara and then pipe that over to Europe, because the energy decays as it leaves the source. Bitcoin, on the other hand, doesn’t care where the energy is generated. As long as there’s internet, they’ll buy it. Bitcoin will buy the energy from the earth. That makes it more suitable for otherwise curtailed or otherwise wasted sources of energy, in particular hydro. That’s why we see a lot of Bitcoin mining in Southwestern China, in the Sichuan and Yunnan province, because that’s where a huge amount of hydro was overbuilt. There is a lot of hydro, and so you have the option to either let the water out of the dam and let it be wasted or run the turbine and sell that excess energy to Bitcoin.

Equivalently, you have a similar situation in Texas, and Wyoming, and other parts of the U.S., where you have gas that would be vented or flared, which is a byproduct of oil mining and oil extraction, and that gas can be put to use, put into a generator. Some of those harmful gases can be captured, and then Bitcoin can be mined. That’s net-neutral from an environmental perspective, or even net-positive.

Now, I’m not going to claim that no Bitcoin is mined with coal. Certainly, some is. But I think, ultimately, it’s providing a service that’s so useful to the planet and to civilization fundamentally that those externalities are worth it.

Chokkavelu: Got it. Do you think there are also ways that just the actual energy usage will go down over time at all, either through alternatives or just the way things evolve?

Carter: I don’t believe any alternatives to proof of work, that rhetorical taxing will just move to some different consensus mechanism, doesn’t make sense to me, because I’ve never encountered a consensus mechanism which provides the same assurances as proof of work. I wouldn’t believe someone that tells you proof of stake will just fix it. It doesn’t really fix anything. Proof of stake just basically installs a cartel and controls the chain, and that takes us back to any other cartel-based financial system, which was the whole thing we were trying to solve in the first place. If you want leaderless, decentralized consensus, you need to have the nodes that are in charge of the ledger, sacrificing something of value, and the purest expression of value is energy.

However, Bitcoin security spend, the subsidy that is provided to miners, which thus causes them to consume energy, that could reduce over time, 100%. We don’t actually know what the trajectory of Bitcoin’s energy expenditure will be. We do know that the Bitcoin subsidy, the actual issuance of Bitcoins, is declining every four years. Right now, at 6.25 Bitcoins released per block, 144 blocks a day, that gives us an annual inflation rate of 1.8%. That’s going to become half three years from now, and then cut in half again four years subsequently, and so on and so forth, until Bitcoin’s issuance has stopped.

That portion of the energy outlay and that issuance accounts for 85% of miner revenue right now. That’s going to reduce to zero, and we’re going to be left with the fee-based system, where the miners only make revenue from transaction fees. It’s quite possible that that fee-based system would be less costly and thus provide miners less revenue, and hence less energy expenditure than the current system. I can’t guarantee that, but the point is there’s actually uncertainty as to the trajectory that Bitcoin energy outlay is going to take.

Chokkavelu: Got it. Well, we only have a couple of minutes left, so I’m going to do a couple of final questions. The first one is just, is there a fundamental misconception about Bitcoin, or cryptocurrency, or blockchain that you wish more people understood that we haven’t talked about already?

Carter: They are so many. The No. 1 one, and I will try and be brief, would be the notion that Bitcoin transactions have an embodied energy cost, and so we always see this per-kilowatt hour cost of Bitcoin transaction. That’s completely not how Bitcoin works. Bitcoin is operating regardless of whether you or I choose to transact. There’s a very diffuse and weak connection between my transaction that drives up the marginal clearing price of block space and then the miner that chooses to consume an additional kilowatt-hour of energy.

The other thing is that Bitcoin transactions are final settlements. They’re not really comparable to Visa transactions, or PayPal, or Venmo, which occur on a very high level of the payment stack. Bitcoin is the very base bottom layer where the fundamental final settlements are occurring, which is more equivalent to Fedwire, or a settlement and clearing system like CHIPS or Fedwire. You can’t exactly compare the characteristics of Bitcoin to a retail-based payment system which does not have a settlement embedded into it. Bitcoin transactions are payments and settlements. Bitcoin can settle over $1 billion in a single transaction. We’ve seen this happen numerous times in the last quarter. If you see someone making a comparison between Bitcoin and Visa transactions, completely different systems, they have very little in common.

Chokkavelu: We’ve been fairly responsible throughout this interview. Now, let’s end with a reckless, fun question. Price of Bitcoin five years from now. It’s about $55,000 right now, has been recorded.

Carter: Yeah. I don’t know if you can see it on my clock behind me.

Chokkavelu: No.

Carter: But it’s got the price of Bitcoin. I think it’s very plausible that Bitcoin exceeds the market capital of all the above-ground gold in the world within five, 10 years. I think it’s very possible that a number of central banks will add Bitcoin to their foreign exchange reserves as a gold-like substitute or a gold-like asset. If those things happen and the institutional adoption that I’m seeing continues to happen, and we enter this inflationary environment with a yield curve control, I think the price of Bitcoin five years from now is far, far higher than where it is today.

Chokkavelu: Right. To give people an idea, gold is, I believe, about $10 trillion in market cap, which is about a 10x for Bitcoin from here.

Carter: Correct. Actually, there’s less liquid Bitcoin around than people think. If you adjust Bitcoin for the freely floating supply, you get a market cap of about $800 billion. It’s still under $1 trillion in terms of the actual liquid Bitcoin that’s available for sale.

Chokkavelu: Got it. Possibly more than a 10x. With that, we will end. Nic, I want to thank you for joining us today. I think you’ve taught a lot of people a lot of interesting things around cryptocurrency and the blockchain and Bitcoin in particular. Happy Bitcoin day.

Carter: Thank you. My pleasure.

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a Motley Fool premium advisory service. We’re motley! Questioning an investing thesis — even one of our own — helps us all think critically about investing and make decisions that help us become smarter, happier, and richer.

Developing countries in the stranglehold of debt

Pakistan 2.55 Kazakhstan 1.61 Sao Tome & Principe 2.89 Kosovo 2.52 Sri Lanka 2.95 Maldives 1.96 Zambia 2.08

With the trade war between the United States and China and the general slow-down in growth accentuated by the multidimensional Covid-19 crisis, commodity prices have continued to fall dramatically during the 1st half of 2020. In the second half of 2020 oil prices remained very low while prices of other commodities increased slightly.

  4. DCs’ repayment calendar

The amounts that the DCs must repay are particularly high and the effects of the crisis will increase them even more in the coming years. (Obviously the table below cannot show this.) Governments are increasing public debt to alleviate the drastic situation of the year 2020.

Graph 3: DCs’ repayment of public external debt – 2007-2027 (in $ billion))

Graph 3 shows the amounts paid by the DCs by type of creditor:

  • In blue: bilateral creditors
  • In yellow: multilateral creditors
  • In red: IMF
    International Monetary Fund

    Along with the World Bank, the IMF was founded on the day the Bretton Woods Agreements were signed. Its first mission was to support the new system of standard exchange rates.

    When the Bretton Wood fixed rates system came to an end in 1971, the main function of the IMF became that of being both policeman and fireman for global capital: it acts as policeman when it enforces its Structural Adjustment Policies and as fireman when it steps in to help out governments in risk of defaulting on debt repayments.

    As for the World Bank, a weighted voting system operates: depending on the amount paid as contribution by each member state. 85% of the votes is required to modify the IMF Charter (which means that the USA with 17,68% % of the votes has a de facto veto on any change).

    The institution is dominated by five countries: the United States (16,74%), Japan (6,23%), Germany (5,81%), France (4,29%) and the UK (4,29%).
    The other 183 member countries are divided into groups led by one country. The most important one (6,57% of the votes) is led by Belgium. The least important group of countries (1,55% of the votes) is led by Gabon and brings together African countries.


    loans (no available data after 2020)
  • In green: private creditors. Dark green represents the amounts due for sovereign debt
    Sovereign debt
    Government debts or debts guaranteed by the government.
    bonds; khaki represents repayments of bank loans; light green payments due to other kinds of private creditors.

A considerable increase of payments can be seen between 2007 and 2020, with an increasing share
A unit of ownership interest in a corporation or financial asset, representing one part of the total capital stock. Its owner (a shareholder) is entitled to receive an equal distribution of any profits distributed (a dividend) and to attend shareholder meetings.
allocated to repaying loans issued in the form of sovereign debt bonds. In 2015, with the fall in commodity prices (which became much worse for oil prices in 2020), the rise in interest rates
Interest rates
When A lends money to B, B repays the amount lent by A (the capital) as well as a supplementary sum known as interest, so that A has an interest in agreeing to this financial operation. The interest is determined by the interest rate, which may be high or low. To take a very simple example: if A borrows 100 million dollars for 10 years at a fixed interest rate of 5%, the first year he will repay a tenth of the capital initially borrowed (10 million dollars) plus 5% of the capital owed, i.e. 5 million dollars, that is a total of 15 million dollars. In the second year, he will again repay 10% of the capital borrowed, but the 5% now only applies to the remaining 90 million dollars still due, i.e. 4.5 million dollars, or a total of 14.5 million dollars. And so on, until the tenth year when he will repay the last 10 million dollars, plus 5% of that remaining 10 million dollars, i.e. 0.5 million dollars, giving a total of 10.5 million dollars. Over 10 years, the total amount repaid will come to 127.5 million dollars. The repayment of the capital is not usually made in equal instalments. In the initial years, the repayment concerns mainly the interest, and the proportion of capital repaid increases over the years. In this case, if repayments are stopped, the capital still due is higher…

The nominal interest rate is the rate at which the loan is contracted. The real interest rate is the nominal rate reduced by the rate of inflation.
(especially loans in the form of sovereign bonds) and the global slowdown in economic growth, 9 DCs defaulted on their payments. [6]

Slowly but surely the debt trap is closing on a growing number of DCs

As of 2020, note that the data are minimal projections, which are likely to increase. However the amounts are already considerable. You can see how the part owed in the form of sovereign bond
A bond is a stake in a debt issued by a company or governmental body. The holder of the bond, the creditor, is entitled to interest and reimbursement of the principal. If the company is listed, the holder can also sell the bond on a stock-exchange.
repayments tends to increase. As well as the factors mentioned, the effects of the Covid-19 pandemic will need to be taken into account.

Because of the pandemic, the G20
The Group of Twenty (G20 or G-20) is a group made up of nineteen countries and the European Union whose ministers, central-bank directors and heads of state meet regularly. It was created in 1999 after the series of financial crises in the 1990s. Its aim is to encourage international consultation on the principle of broadening dialogue in keeping with the growing economic importance of a certain number of countries. Its members are Argentina, Australia, Brazil, Canada, China, France, Germany, Italy, India, Indonesia, Japan, Mexico, Russia, Saudi Arabia, South Africa, South Korea, Turkey, USA, UK and the European Union (represented by the presidents of the Council and of the European Central Bank).
countries have granted a moratorium on repayments of the bilateral part for the period from May 2020 to April 2021. This moratorium may be extended to the end of 2021. The operation consists of postponing payments on the bilateral part owed in 2020 (and perhaps 2021) to between 2022 and 2026. So those amounts would be added to the repayments already scheduled for those four years and would make it even harder to find the money. Although 73 countries were selected, [7] only 46 countries have actually participated in this debt service
Debt service
The sum of the interests and the amortization of the capital borrowed.
suspension initiative (DSSI). [8] Why so few? There are two reasons. The first concerns the inadequacy of the measure which simply postpones payment of a mere 1.6 % of the DCs’ external public debt; and the second is that they are blackmailed by the private creditors and the credit rating agencies
Rating agency
Rating agencies

Rating agencies, or credit-rating agencies, evaluate creditworthiness. This includes the creditworthiness of corporations, nonprofit organizations and governments, as well as ‘securitized assets’ – which are assets that are bundled together and sold, to investors, as security. Rating agencies assign a letter grade to each bond, which represents an opinion as to the likelihood that the organization will be able to repay both the principal and interest as they become due. Ratings are made on a descending scale: AAA is the highest, then AA, A, BBB, BB, B, etc. A rating of BB or below is considered a ‘junk bond’ because it is likely to default. Many factors go into the assignment of ratings, including the profitability of the organization and its total indebtedness. The three largest credit rating agencies are Moody’s, Standard & Poor’s and Fitch Ratings (FT).

Moody’s : https://www.fitchratings.com/
, the latter indicating that countries applying for a moratorium risk seeing rating agencies downgrading their rating, thus losing their access to the finance markets. [9] In other words, the creditors promise to increase interest
An amount paid in remuneration of an investment or received by a lender. Interest is calculated on the amount of the capital invested or borrowed, the duration of the operation and the rate that has been set.
rates for those countries, while the rating agencies threaten to limit their possibilities of obtaining finance on the money markets. As a consequence, those countries will find themselves having to repay a greater amount with fewer resources. Returning to Table 1, such economic circumstances look like bringing back negative net transfers for the DCs; in other words, they will find themselves repaying more money than they are getting in the form of new loans.

The debt trap is closing slowly but surely on a growing number of DCs.

 5. Other factors aggravated by Covid-19

Although the Covid-19 crisis cannot be blamed for all the economic difficulties countries are going through, it certainly has played a role in intensifying unprecedented financial speculation by the sheer extent of it, as well as a decrease in production from mid-2019 in economies as big as those of Germany and the United States. [10] Finance vacillated significantly in Wall Street in Autumn 2019 [11] and again in February-March 2020 with the generalization of lockdown followed by massive intervention on the part of the central banks. [12] The crisis which has spread catastrophically since March 2020 will have long-term consequences in terms of job losses, loss of revenue and difficulty in meeting debt payments.

Although the Covid-19 crisis cannot be blamed for all the economic difficulties countries are going through, it certainly has played a role in intensifying unprecedented financial speculation by the sheer extent of it, as well as a decrease in production from mid-2019 in economies as big as those of Germany and the United States

In the (translated) words of Gilbert Achcar, “143 million companies were destroyed in lower middle income countries (- 14 %), 128 million in upper middle income countries (- 11 %), […] And, if lower income countries only lost the equivalent of 19 million jobs (- 9 %) over the same period, this figure is a poor translation of the socio-economic impact of the crisis they experience.” He proceeds, “According to the World Bank
World Bank

The World Bank was founded as part of the new international monetary system set up at Bretton Woods in 1944. Its capital is provided by member states’ contributions and loans on the international money markets. It financed public and private projects in Third World and East European countries.

It consists of several closely associated institutions, among which :

1. The International Bank for Reconstruction and Development (IBRD, 189 members in 2017), which provides loans in productive sectors such as farming or energy ;

2. The International Development Association (IDA, 159 members in 1997), which provides less advanced countries with long-term loans (35-40 years) at very low interest (1%) ;

3. The International Finance Corporation (IFC), which provides both loan and equity finance for business ventures in developing countries.

As Third World Debt gets worse, the World Bank (along with the IMF) tends to adopt a macro-economic perspective. For instance, it enforces adjustment policies that are intended to balance heavily indebted countries’ payments. The World Bank advises those countries that have to undergo the IMF’s therapy on such matters as how to reduce budget deficits, round up savings, enduce foreign investors to settle within their borders, or free prices and exchange rates.

, as a consequence of the pandemic, extreme poverty — defined as surviving on less than 1.90 dollars per day — increased in 2020 for the first time since 1998, just after the 1997 Asian financial crisis.” [13]

In the wake of the crisis, we are seeing repatriation of financial resources from the Periphery to the Centre, which results among other things in the collapse of stock-markets in countries of the South, while those of the North have rallied since mid-March. Thus the stock-exchange

The market place where securities (stocks, bonds and shares), previously issued on the primary financial market, are bought and sold. The stock-market, thus composed of dealers in second-hand transferable securities, is also known as the secondary market.
of Mexico City fell by 2.5 %, the Santiago stock-exchange in Chile by 7.25 %, Nairobi’s by 5.1 %, Morocco’s by 7 %. (All percentages shown correspond to the period between 1 February 2020 and 1 February 2021.)

Africa and many other developing countries are actually net creditors of the countries of the North

Other elements are instrumental in drying up the financial resources available for the DCs, alongside a rise in expenditure (to deal with the pandemic) and a fall in revenue. With instruments of monetary control conveniently placed where they can “do no harm” by the International Financial Institutions (IFI), and their structural adjustment policies, the DCs are suffering major capital flight. In 2015, the Global Financial Integrity think-tank estimated illicit financial flows leaving the countries of the South at between 438 and 600 billion dollars per annum, i.e. 20 % of the total external public debt of the countries of the South. [14] For Africa alone, UNCTAD
United Nations Conference on Trade and Development

This was established in 1964, after pressure from the developing countries, to offset the GATT effects.

estimates that illicit financial flows represent an annual loss of 89 billion dollars, which is the equivalent of Official Development Assistance
Official Development Assistance

Official Development Assistance is the name given to loans granted in financially favourable conditions by the public bodies of the industrialized countries. A loan has only to be agreed at a lower rate of interest than going market rates (a concessionary loan) to be considered as aid, even if it is then repaid to the last cent by the borrowing country. Tied bilateral loans (which oblige the borrowing country to buy products or services from the lending country) and debt cancellation are also counted as part of ODA. Apart from food aid, there are three main ways of using these funds: rural development, infrastructures and non-project aid (financing budget deficits or the balance of payments). The latter increases continually. This aid is made “conditional” upon reduction of the public deficit, privatization, environmental “good behaviour”, care of the very poor, democratization, etc. These conditions are laid down by the main governments of the North, the World Bank and the IMF. The aid goes through three channels: multilateral aid, bilateral aid and the NGOs.
and Direct Foreign Investments combined. [15] The shortfall is so great that Africa and many other developing countries are actually net creditors of the countries of the North, all the more since these estimates are based on minimal projections.

In their quest for safe investments, investors are also likely to shun issues of sovereign bonds by the DCs in most difficulty unless they agree to an increase in interest rates and risk premiums, which will add to the already heavy bill for debt repayment. As for Direct Foreign Investments (DFI), UNCTAD predicts a decline of 40 %. With the closing of borders and airports, several countries have lost a significant amount of revenue related to tourism.

  6. Drop in remittances from migrant families to their countries of origin

Another significant factor is the net drop in remittances from the diaspora, which have always accounted for far more funding than that provided by Official Development Assistance (ODA). [16] (See Graph 4). Now those remittances mostly arrive in hard currency, enabling States to put the dollars or euros or other hard currencies towards repaying their external public debt. The fall in income for households in the South due to the reduction of the amounts they receive from family members working abroad has the effect of reducing their consumption and of automatically diminishing their ability to pay direct or indirect taxes. This will reduce public revenue and weaken their capacity to make debt repayments. It will also force already impoverished families to borrow money to survive.

Graph 4: Remittances from the diaspora and public development aid received by DCs (in $ billion )

The expected drop of 20 % of these remittances will translate into an increase of poverty and ever greater difficulty in repaying external public debt

Graph 4 compares remittances from the diaspora (in blue) to ODA (in orange) received by DCs. Over a period of 18 years, ODA has tripled in absolute value, going from 48.36 billion to 165.59 billion dollars. But in fact that increase is a smokescreen. In relative value, ODA has fallen to 0.3 % of gross national income (GNI) of contributing countries, far short of the objective of 0.7 %. [17] Moreover, one has to question the quality of this “assistance”, for although it is partly donations, most of it consists of loans which may be affected to some extremely dubious uses such as border control, the costs incurred in detaining migrants or debt cancellation. Over the same period, remittances from the diaspora have been multiplied by 6.5, going from 73.95 billion to 485.27 billion dollars. In 2019, a new record was reached with 554 billion dollars remitted. [18] Furthermore, to avoid paying commissions claimed by banks and firms specialized in international money transfers, a significant percentage passes through informal circuits invisible to the statistics of institutions. [19] Remittances from the diaspora represent at least 3 times ODA, probably a lot more. Above all, they are indispensable income for the DCs’ populations, who often lack the means to pay for health and education expenses, and even food. Often sent in hard currencies, (dollar, euro, etc.), for the State they also constitute a significant part of the foreign exchange reserves at its disposal. Due to the Covid-19 crisis, the World Bank expects a drop of 20 % of these remittances in 2020. [20] In other words, this will translate into an increase of poverty and ever greater difficulty in repaying external public debt.

  7. Countries with payment difficulties

Table 2 illustrates the elements analyzed in this chapter. According to the IMF, 20 % of DCs are at present in a state of over-indebtedness. In both cases, Sub-Saharan Africa is the most affected region. Then come East Asia & the Pacific, followed by Latin America & the Caribbean.

Table 2: List of overindebted or defaulting DCs by region [21]

 8. Debt against people

According to Jubilee Debt Campaign, DCs’ debt servicing amounted to 14.3% of their revenues in 2020, which meant that it had more than doubled compared with 2010. As always this average amount conceals strong disparities and tragic situations such as Gabon’s (59.5 % of public revenues), Ghana’s (50.2 %), Laos’ (31.1 %), Pakistan’s (35 %), Sri Lanka (37.5 %) or Venezuela’s (266.4 %). [22] In other words, “Fifty-two countries dedicate over 15% of their revenues to debt repayment, vs 31 in 2018, 27 in 2017, 22 in 2015.” [23]

 9. Summary

Summary of parts 2and 3

  • A massive increase of DCs’ public debt from 2008 onward, with a huge inflow of private capital;
  • an unprecedented increase of debt in the form of sovereign public securities, most of them maturing from 2020 onward;
  • an incipient backflow of the financial resources sent from the North to the stock-markets of the South;
  • interest rates on public loans made by the South on the rise, which is likely to further compound the worsening indebtedness of DCs;
  • severe degradation of exchange terms due to the brutal and continuous fall of commodity prices accompanied by devaluation of DCs’ currencies as against the US dollar;
  • Covid-19 dominating the news and uncertainty hovering over the DCs’ economies;
  • a reduction in foreign exchange reserves;
  • a fall in migrants’ remittances towards their countries of origin;
  • 10 countries in suspension of payments since 2015 and 21 countries in all. To which must be added 27 countries at high risk of over-indebtedness.

A new debt trap is closing in on countries of the South. It is high time to act.

Translated by Snake Arbusto, Vicki Briault, Mike Krolikowski and Christine Pagnoulle (CADTM)



[1] Unless otherwise stated, all data used in the graphs come from the World Bank website.

[3] According to the latest data available on the World Bank website. No data for 2019 for low-income countries.

[6] These are Argentina, RDC, Gambia, Grenada, Mozambique, São Tomé and Principe, South Sudan, Venezuela and Yemen.

[9] See among other references, Camilla Hodgson, “Moody’s clashes with UN over G20 debt-relief efforts,” Financial Times, 21 July 2020; also, in French, Aurélie M’Bida, « Dette africaine : Moody’s face aux foudres de l’ONU et de la Banque mondiale », Jeune Afrique, 22 July 2020 at https://www.jeuneafrique.com/1018565/economie/dette-africaine-moodys-face-aux-foudres-de-lonu-et-la-banque-mondiale/ and Nelly Fualdes, « Dettes africaines : pourquoi les prêteurs privés se rebellent », Jeune Afrique, 18 May 2020, at https://www.jeuneafrique.com/946163/economie/dettes-africaines-pourquoi-les-preteurs-prives-se-rebellent/ (all in French).

[19] See Léonce Ndikumana and James K. Boyce, Africa’s Odious Debts: How Foreign Loans and Capital Flight Bled a Continent, London: Zed Books, 2011.

[23] Gilbert Achcar, op. cit.

Eric Toussaint

is a historian and political scientist who completed his Ph.D. at the universities of Paris VIII and Liège, is the spokesperson of the CADTM International, and sits on the Scientific Council of ATTAC France.

He is the author of Debt System (Haymarket books, Chicago, 2019), Bankocracy (2015); The Life and Crimes of an Exemplary Man (2014); Glance in the Rear View Mirror. Neoliberal Ideology From its Origins to the Present, Haymarket books, Chicago, 2012 (see here), etc.

See his bibliography: https://en.wikipedia.org/wiki/%C3%89ric_Toussaint

He co-authored World debt figures 2015 with Pierre Gottiniaux, Daniel Munevar and Antonio Sanabria (2015); and with Damien Millet Debt, the IMF, and the World Bank: Sixty Questions, Sixty Answers, Monthly Review Books, New York, 2010. He was the scientific coordinator of the Greek Truth Commission on Public Debt from April 2015 to November 2015.

Other articles in English by Eric Toussaint (568)

  • Michel Husson: an activist in the economy and an economist who inspired politics

    22 July,
    Eric Toussaint

  • Interview with Éric Toussaint

    The dual explanation of the crisis, the fake social turnaround by governments, the need for radical responses

    12 July,
    Eric Toussaint
    L’Anticapitaliste hebdo

  • World situation report

    22 June,
    Eric Toussaint
    CADTM International
    Sushovan Dhar
    Maria Elena Saludas
    Omar Aziki
    Broulaye Bagayoko
    Fatima Zahra El Beghiti

  • To Address Increasing Inequality and Global Poverty, We Must Cancel Debt

    16 June,
    Eric Toussaint
    C.J. Polychroniou

  • How Private and Public Debt Crises Exacerbate Housing Problems in the EU

    9 June,
    Eric Toussaint
    Eva Betavatzi

  • List of the first 360 signatures of people who support the End the Private Patent System Manifesto! #FREECOVIDPATENTS

    8 June,
    Eric Toussaint
    CADTM International
    Naomi Klein
    Cinzia Arruzza
    Tithi Bhattacharya
    Nancy Fraser
    Noam Chomsky
    Vijay Prashad
    Arundhati Roy
    Achin Vanaik

  • [Video] Illegitimate debt and debt audits | Overview of debt in Asia

    3 June,
    Eric Toussaint
    Iolanda Fresnillo
    Daniel Jeong-Dae Lee
    Kjetil Abildsnes

  • The economic response to the crisis benefits large companies

    26 May,
    Eric Toussaint
    Roberto González Amador

  • The North’s New Debt Trap for the South

    North Africa and the Middle-East: A new wave of debt

    26 May,
    Eric Toussaint
    Omar Aziki
    Milan Rivié

  • The North’s New Debt Trap for the South

    An unsustainable burden of debt afflicts the peoples of Sub-Saharan Africa

    10 May,
    Eric Toussaint
    Milan Rivié

Milan Rivié

CADTM Belgium

milan.rivie @ cadtm.org

Twitter: @RivieMilan

Other articles in English by Milan Rivié (14)

  • The North’s New Debt Trap for the South

    North Africa and the Middle-East: A new wave of debt

    26 May,
    Eric Toussaint
    Omar Aziki
    Milan Rivié

  • The North’s New Debt Trap for the South

    An unsustainable burden of debt afflicts the peoples of Sub-Saharan Africa

    10 May,
    Eric Toussaint
    Milan Rivié

  • The North’s New Debt Trap for the South

    Latin America and the Caribbean are facing a serious debt crisis

    3 May,
    Eric Toussaint
    Milan Rivié

  • Version 2.0: A new debt trap from the South to the North

    The external debt of Developing Countries: a Timebomb

    22 February,
    Eric Toussaint
    Milan Rivié

  • Version 2.0: The North’s New Debt Trap for the South

    Evolution of the external debt of developing countries between 2000 and 2019

    19 January,
    Eric Toussaint
    Milan Rivié

  • A new trap of indebtedness of the South to the North – Part 3

    Developing Countries caught in the vice-like grip of indebtedness

    1 December 2020,
    Eric Toussaint
    Milan Rivié

  • A new trap of indebtedness of the South to the North – Part 2

    Threats over the external debt of Developing Countries

    27 November 2020,
    Eric Toussaint
    Milan Rivié

  • Series: 1944-2020, 76 years of interference from the World Bank and the IMF (Part 25)

    The IMF and the World Bank in the time of Coronavirus: the failed campaign for a new image

    9 November 2020,
    Eric Toussaint
    Emilie Paumard
    Milan Rivié

  • Illicit Financial Flows: Africa is the world’s main creditor

    5 November 2020,
    Milan Rivié

  • A new trap of indebtedness of the South to the North – Part 1

    Evolution of the external debt of Developing Countries between 2000 and 2018

    26 October 2020,
    Eric Toussaint
    Milan Rivié

  • World situation report

    22 June –

    Eric Toussaint,
    CADTM International,
    Sushovan Dhar,
    Maria Elena Saludas,
    Omar Aziki,
    Broulaye Bagayoko,
    Fatima Zahra El Beghiti

  • North Africa and the Middle-East: A new wave of debt

    26 May –

    Eric Toussaint,
    Omar Aziki,
    Milan Rivié

  • Debt relief & the Paris Club historical perspective | Overview of debt in Africa

    19 May –

    Rémi Vilain,
    Jaime Atienza,
    Tirivangani Mutazu,
    Muchimba Siamachoka

  • An unsustainable burden of debt afflicts the peoples of Sub-Saharan Africa

    10 May –

    Eric Toussaint,
    Milan Rivié

  • Latin America and the Caribbean are facing a serious debt crisis

    3 May –

    Eric Toussaint,
    Milan Rivié



35 rue Fabry
4000 – Liège- Belgique

00324 226 62 85
[email protected]


Consolidation of U.S. oil producers in the Gulf of Mexico accelerates

HOUSTON, Aug.16 (Reuters) – U.S. Gulf of Mexico oil and gas producers consolidated at a faster rate during the pandemic, new government data showed, as falling prices crowded out small drillers who were seen as the future of the industry.

The dominance of major Gulf producers is looming as the industry’s technology showcase, the Offshore Technology Conference, officially kicks off in Houston on Monday. The event, which has attracted more than 60,000 people and thousands of exhibitors in previous years, will be smaller this year due to business cutbacks and coronavirus-induced travel restrictions. Read more

The pandemic, as well as the recurring stops of hurricanes, accelerated the disappearance of some producers in the Gulf of Mexico. Small, privately funded companies that have ventured into offshore fields over the past decade have struggled, leading many to exit while others have slipped into bankruptcy.

“We will only see one more consolidation,” said Colin White, analyst at consultant Rystad Energy. Producers backed by private capital are swallowed up by larger companies or abandon exploration for safer infrastructure investments, he said.

The top 10 producers – led by Royal Dutch Shell (RDSa.L), BP Plc (BP.L) and Chevron (CVX.N) – this year pumped 86% of the 1.6 million barrels per day (bpd) of region, up about 11 percentage points since 2017, data from the regulator Bureau of Safety and Environmental Enforcement (BSEE) shows.

Two tightly owned offshore drillers, Fieldwood Energy and Arena Energy, went bankrupt in 2020 as crude oil prices plummeted. US energy experts predict that production return to its peak 1.9 million bpd by 2022.

Arena emerged with its debt extinguished and a reduced drilling program. But the US suspension of offshore auctions “has certainly chilled all potential investors,” said Michael Minarovic, managing director.


BP expects first production early next year on a 140,000 bpd project, Shell recently approved a 100,000 bpd field that will begin production in 2024, and Chevron is preparing to operate a field at very high pressure that could pave the way for a series of new wells, said Neil Menzies, general manager of Chevron’s capital projects for its Gulf of Mexico business unit.

“We expect to grow to around 400,000 bpd by the middle of the decade,” said Starlee Sykes, BP’s senior vice president for Gulf operations, from around 350,000 bpd currently. With advanced seismic and high pressure technologies, “I am optimistic that the Gulf of Mexico will be there for a very long time,” she said.

Consolidation has reduced the number of Gulf producers to around 49 today, down from 60 five years ago. Financing for small businesses has dried up, leaving future sinks in the hands of large operators who can self-finance their operations.

“The amount of regulation and the overhead make it difficult (for small businesses),” said Ryan Smith, senior director of commodity research at energy data provider East Daley Capital. “Bigger operators are used to overhead.”

The oil majors are renewing their investments due to the low carbon intensity of the region’s production. Offshore wells are under high pressure, which means oil flows easily to the surface instead of needing carbon-emitting boosters. U.S. regulators’ ban on routine flaring has also fueled a vast network of pipelines, resulting in a lower carbon footprint than many onshore fields, executives said.

Royal Dutch Shell, among others, plans to increase its investments in offshore. U.S. project approvals were unaffected by the Biden administration’s review, executives said.

The US Gulf oil fields, with their proximity to land-based refineries and gas processing plants, are “the closest thing the energy industry has to a farm-to-table restaurant.” said Bill Langin, senior vice president of deepwater exploration at Shell.

Additional reporting by Jessica Resnick-Ault in New York; edited by David Gregorio

Our standards: Thomson Reuters Trust Principles.

Head north to find the next entrepreneurs

The North has become the area most likely to produce the next generation of entrepreneurs, according to the latest round of analysis that once again highlights the region as a key business center.

Business data experts have looked at the latest government figures which showed the total size of UK business registers topped 4.7 million after more than a year of leave uncertainty.

They looked at Google search volumes focused on the skills needed to launch a startup as well as the cities that are growing the most from those that operate them.

They found that people were doing 154,300 searches per month looking for courses focused on starting their own business. Over 65,000 of this research was generated by people based in the North.

Cap-Hex: Luke and Andy

As Chester has proven to be the city with the most budding entrepreneurs, Edinburgh, Leeds and Sheffield have followed closely behind, according to on-demand call response customer services group alldayPA.

Other results suggest that people who live there are more likely to seek out the types of skills needed to start a small business.

Many aspiring CEOs have also invested in their education by enrolling in short courses run by universities in Manchester and Leeds. Others attended webinars and conferences hosted by successful business leaders who shared industry tips that helped them search for investors, bank loans, and recruiting.

But not everyone chose to go back to school. In fact, among those that emerged during the study, there were some who did not have business qualifications.

One was the street fashion brand, Hex MCR, which is already catching the attention of well-known names like footballer Danny Simpson, Joe Lenzie of Sigma and Callum Jones of Love Island. Hex, co-founded by 30-year-old construction workers Luke Powell and Andy Gibson, started trading online in October 2020, offering a selection of Hex hats on their website.

We also believe that customer experience is crucial which is why we send orders in premium packaging.

The Manchester pair received such demand for their trucker caps that they decided to expand the collection to include an eco-friendly line, including clothing and bags, for its official launch.

The company has only been around for six months and has already seen a 400% increase in sales from month one to month five thanks to its initial interest from celebrities and influencers.

The ranking of entrepreneurs on the rise

“We’ve been discussing starting a clothing business together for quite some time,” Luke said. “We noticed that streetwear was growing in popularity and the lockdown only accelerated the demand for activewear to relax, train and work out, so despite the economic uncertainty, we decided to cross. not. “

Andy said: “Seeing footballers, reality TV stars and other celebrities wearing Hex MCR products has been a huge confidence boost. We wanted to create an authentic, premium brand with humble, urban origins, and we think that’s what makes products attractive – quite simply, the brand is identifiable. We also believe that customer experience is crucial, which is why we send orders in premium packaging; even when shopping online, there is always an experience to be had.

Gareth Jeffery, head of customer services at alldayPA, said: “Looking at this data, we can see that people have been inspired to start their own businesses across the country. As a result, people have been able to find new jobs and work in areas in which they can thrive. “

Island time – CARGO :: Article from SRQ magazine by Brittany Mattie


Kahana Bay Hawaiian Shirt by Kahala, $ 90; Pineapple Maui from Paradise Found, $ 65 to $ 70; Blue Hawaii by Two Palms, $ 46; Hawaiian Ukelele Shirt by Two Palms, $ 46; Captain’s Landing Men’s Fashion, 243 West Venice Ave., Venice, 941-485-2329, captainslanding.com, @captainslanding. O’Neill S / S Woven Cochillo Button Down, $ 70; Waterman All Day Long Woven Button Down, $ 78; WindFlight Surf Shop, 722 Albee Rd. W, Nokomis / Casey Key, 941-484-2794, windflightsurf.com, @windflightsurfshop.


Dreamers Volley swim shorts, $ 50; WindFlight surf store. Humu Humu swim shorts by Vissla, $ 60; Recycled Stolen Royal Palms, $ 45; Compound Boardshop, 3604 South Osprey Ave., Sarasota, 941-552-9805, compoundboard shop.com, @compound boardshop. Billabong Sundays Airlite, $ 60; Swim City, 4526 McAshton St., Sarasota, swimcity.com, @swimcity. Tidewater Volley Lounge Floral Board, $ 120, Rive, 465, boul. John Ringling. # 100, Sarasota, 941-388-3535, shorebrand.com, @ shore clothing. Coral or turquoise floral swimsuit, $ 99-125, by designer Michael’s Swimwear of Sarasota, michaelsswimwear.com, @michaelsswimwear. Also find on Island Pursuit, 400 Madison Dr. # 206, Sarasota, 941-587-5316, islandpursuit.com, @islandpursuitsarasota.

Get This Cake – FORAGE :: SRQ Magazine Article by Brittany Mattie

Assuming you already know the delicious wonder of a crab cake, it’s time to familiarize yourself with a “reef cake”. Southside Village’s new restaurant aggregates all kinds of fish protein to create your ideal seafood sandwich. Locally sourced fish comes from a seafood supplier in St. Pete, then is filleted and assembled into Artisanal fish cakes with minimal breadcrumbs or toppings. These delicious patties from the waters of the Gulf and beyond are baked in the oven, then briefly seared for a satisfying texture. Hockey puck-sized food ultimately looks like your tried and true crab cake. When former New Englander Mike Martin was looking for a different way to cook his almost daily seafood consumption, these experimental patties became a real highlight at the dinner table one night with his wife. “Our Asian-inspired salmon cakes were not only the first cakes that evolved, but also my favorite,” says Martin. “The flavor and texture of this cake pairs wonderfully with the crunch and flavor of our house red cabbage salad. The combination of fresh ginger and sesame oil makes this dish a deep dive into awesome Asian flavors.


Build your own reef cake creation from any protein of your choice, local Jamaican grouper, Cajun red snapper, and outlier Gulf shrimp like Chilean salmon, Maryland giant crab, and Nova Scotia lobster. -England. Then choose your ‘cake bed’ preference from organic arugula, spring mix, organic baby spinach, kale or romaine (for low carb options), or a baked baguette or small brioche bread for a complete hand-held experience. Meanwhile, specialty “boosters” (sauces Martin was zealous in creating for his condiment-loving friends) let you add to your masterpiece and spice up your cake a few notches. “We want our sauces to ‘improve’ the meal, not take over and overpower the main protein,” he says. “When we built our jerk grouper cakes, it was a simple decision to pair them with our homemade Caribbean salsa. The spices and herbs of the cake are quickly complemented by the crisp citrus flavors of the pineapple-based salsa. Summer corn relish, macadamia nut pesto, avocado cream with coriander, firecracker sauce, orange ginger, teriyaki, langoustine sauce, lime tartare, the list of enhancers is long. And from there, customers can go after them, adding grilled pineapple, jalapenos, dill pickles, applewood smoked bacon, vine-ripened tomatoes and more. The versatility you have in customizing your own cake is what keeps you coming back to try new flavor combinations and a different fusion of fixings.

A spread of fish and crab variations served on a silver platter with sides of roasted tricolor potatoes and a spring salad.  Photograph by Wyatt Kostygan


Or, go on the Island Charcuterie Board, which enhances your typical meat and cheese pasture board by incorporating a surf and turf verve. Presented with poached cocktail shrimp, giant Maryland crab, grilled pineapple, heirloom grape tomatoes and stuffed eggs, an assortment of Boar’s Head meats and cheeses pair surprisingly well with seafood herbs, cocktail sauce, Dijon mustard and assorted water crackers. End your meal on a sweet and tangy note with a lime pie for dessert or a flight of Florida craft beers from a selection of breweries in Sarasota, Tampa and mile markers in between. It’s easy to get absorbed longer than expected, sit back and enjoy the restaurant’s island vibe which is full steam ahead with the nautical and reggae theme. Rattan light fixtures hang from the ceiling while fish fillets, seashells, driftwood accents and jute ropes in marine knots sporadically adorn cabins and walls, walls covered in larger-than-life murals by the Vitale Bros. of Tampa Bay Street Artist Collective. Painted shapes of octopus, lobster, hogfish, turtle, crab, snook, and sinking seaweed adorn the walls. Meanwhile, local carpenter Dave Cornell worked with Martin to come up with the idea for a bespoke table top when Martin purchased coveted vintage postcards from the Florida Gulf Coast on eBay. Old images of Siesta Key, Longboat Key, and Anna Maria Island, as well as photos from before Sunshine Skyway Bridge, Marina Jack, and Miramar Hotel, are displayed all over the bar, with some lying on their backs to show off evocative images, time-stamped messages to relatives in cursive writing. “Sarasota natives really enjoy seeing these nostalgic images of the area – they usually end up sharing their memories and stories from the past with me,” he says.

Postcards from Florida and tears from Jamaican magazines.  Photograph by Wyatt Kostygan.


Martin scored more gems on eBay – a stack of Jamaican reggae magazines from the 1970s and 1980s – to use in the decor. Pages of vintage prints were torn off, glued and then slipped onto each dining table for guests’ reading pleasure. “It was strange, in fact, I noticed that all the ones I bought were from this seller named Rank’n Dan from St. Augustine,” Martin laughs. “I thought it was so funny and cool that this guy has amassed all these magazines from Jamaica and lives right across the way. I decided to name a reef cake in his honor. The diners will find under ‘Our suggestions’ on the menu: Rank’n Dan. Savor a Cajun Shrimp and Snapper Cake Slider served with gourmet Old Florida Lime Tortilla chips, Caribbean salsa and a cold Red Stripe beer. Yes my. SRQ

Reef Cakes, 1812 South Osprey Ave., Sarasota, 941-444-7968, reefcakes.com, @reefcakes.

Conversing with forms – Culture City :: Article from SRQ magazine by Phil Lederer

A long time ago in a strange time from earlier times known as the 1970s, a young art student by the name of Tom Casmer traveled with his class from a small arts college in Minnesota to the urban nature of New York and the famous sculptor’s studio. Louise Nevelson. For Casmer, it was before women, before children, before 20 years of teaching at Ringling College of Art and Design, and before a trademark white beard that Rasputin’s own ghost would envy. But he planted a seed, which germinated a long time for almost 50 years, which finally bloomed last year in the shadow of a global pandemic.

At 70, Casmer is just getting started.

After successful cataract surgery, her vision is better than it has ever been. Retired from 20 years of teaching at Ringling College, he claims his days as an empty canvas for his creative impulses. And, after decades of sketching, painting, and printing, the budding sculptor finally realized that being limited to two dimensions is for birds. Or, at least, someone else. “I’m just finding out,” he laughed. “Interesting moments. “

Although he’s known for his intricate designs and engravings, he looks like everything from fantastic blueprints of Neo-Aztec ray guns to detailed blueprints of a next-gen combustion engine, or maybe even inked delusions. from the last disciple to a stone age robot. religion — this past year, Casmer has taken his art to the next level. Literally. Converting the family garage into a makeshift carpentry workshop, Casmer began bringing his designs to life, handcrafting nearly 30 of his important “relief wall sculptures” in just over a year.

The transition was long in coming. And Casmer feels that the last 45 years of his life were, in one way or another, built so much into what he now sees as one great artistic conversation between himself and his work. It’s a conversation he has almost every day, with every new track, and he doesn’t know exactly where it’s going, but he knows those conversations are growing. And, like in any conversation, it starts with the first line.

Sitting at the desk of his home studio – a narrow covered passageway laid out with reed shades on the windows and walls covered with carved sculptures – Casmer takes a small piece of Bristol paper and a pencil and begins to make marks. He formulates forms. He doesn’t have a plan. He’s a researcher and if he knew his destination then the act wouldn’t be an act of exploration and Casmer doesn’t have time for such scripted conversations.

He has confidence in the line.

“The color might fade,” Casmer says. “I don’t care, as long as I have the line.” Alone with his Bristol, Casmer lets his pencil curl and twirl, rush and divide, throwing shapes and catching them as they come, the many lines forming a small world seemingly of his own creation. It’s a remarkably organic approach to what will result in something distinctly mechanical and aggressively geometric, but the process – the conversation – serves its purpose and rewards the dedicated, the resulting image being as much of a revelation to the artist than for anyone else. “Who knows where it all comes from,” he said.

But, once discovered, the line must be preserved, and Casmer will therefore take care of his line twice, revisiting each mark with thick ink, reinforcing the graphite undertones with a black permanence to create an austere final image that will serve as a model for the next step. . “It can be tedious, but it’s also meditative,” he says. “It’s a conversation. And, in the inking process, I envision the construction and examine the relationship between the shapes and how it’s going to fit together. There’s also the beauty of the plan itself, which makes it more than just a step in the process. “I have always been fascinated by blueprints, schematics and circuit diagrams,” says Casmer. “I don’t understand them; I’m just fascinated by the line on the paper. It is a fascination that the boy who wished to have x-ray vision had since childhood. He now retains him as the man who enjoys walking on unfinished construction sites and can be seen at traffic lights with his phone turned off, taking pictures of the esoteric landscape of nozzles and knobs and dials and pipes at the back of the tar truck in front of him. “It’s the infrastructure – what’s under my skin – that really interests me,” he says. “I am drawn to these shapes.”

As for what those lines and shapes represent – a map of hidden truths, the restrictions of an invisible order, or perhaps a hymn to the sublime beauty of the potential itself, frozen as in amber – Casmer offers no opinion.

He’s busy building. Previously, this was where the conversation ended, with the potential of the shot flattened on a print, colored on the computer, and brought to some sort of half-life on a hand-built box frame. These days, Casmer slaps the plan on his garage door and the conversation continues amid the roar of a myriad of saws and sanders.

Like a painter collecting paintbrushes, Casmer dove head first into the world of woodworking after first making a small totem pole for the Shopliftable show at GAZE Modern in 2019. He has since assembled a range of new toys, including a jigsaw, a circular saw, a table saw, a cutter. saw, miter saw (for delicate cuts), belt sander, nail gun, pin nailer, assorted drills, a whole host of mismatched pliers in different sizes and a shelf full of rulers, protractors and other aids to measure. And a pair of tweezers. “The tools change,” he says. “But the work …” and he stops.

With the plan on the wall, Casmer begins to build. With the piece arranged in the center of the space like a patient on the operating table, he works with poplar and pine – nothing fancy – and leaves his mark on each piece before it becomes part of the sculpture. . “Everything you see is hand cut in one way or another,” he says. And although he follows the plan closely, including taking action for the ladder, the creative process never stops. The shapes still speak to him and he listens through the sound of their construction.

“I start to focus a little more on it when I start building,” Casmer says, and sometimes that means deviating from his plan. “It just lets you know when what you originally drew that you thought was OK needs to be rethought.” None of this points to any error in the creation of the plan, but simply acknowledges the fact that Casmer’s work has entered an uncharted dimension where his map is no longer useful. He has to think in terms of elevation and depth, weight and shadow. He returns to the conversation in faith that his relationship to the work will guide him. “At one point you improvise,” he says. “He starts to educate himself and you react to what it is starting to become.”

The end result comes across as something liminal, occupying the space between print and sculpture and, at best, manifesting the strengths of both. The line took shape. This one looks like a giant circuit breaker; this one, a sort of Sisyphus pinball machine with no clear path to victory or defeat, but four strangely sperm-like shapes that could all too easily represent the artist’s four children. (A statement on parenting, maybe?)

And the sculpture on the table, awaiting the final finishing touches, Casmer named In Response to Leia, as his own tribute to the impact, albeit so long delayed, that Nevelson’s work had on his artistic journey. A nod to someone who left the light on to clear the way for travelers like him.

“Drawing and painting have always been a struggle for me,” he says. “It’s a fight, but, for the first time, it feels like a real adjustment. I don’t question it. I don’t judge it like I did my drawing and my painting. It’s the right medium for me. SRQ

From the ground up – SRQIST :: SRQ magazine article by Brittany Mattie

Some girls grow up playing with plastic dolls on the living room floor. Others prefer to play in the dirt with wriggling, crooked creatures. Alexis Robbins, now an adult, calls herself a “worm girl,” in addition to being a lover and herder of cattle. His predilections for all things biotic turned into fun and educational missions at his independent Sarasota farm, Beaucoop, which even recently caught the attention of the Discovery Channel. Her dedication to living an organic lifestyle, dependent on herself and not on big box grocery chains, has made it into a full-time career teaching friends, family and the community. how to use natural resources. If you pass just past I-75, expect to learn all about the importance of vermiculture, vermicomposting, and the use of natural and organic fertilizers in a world that relies heavily on native synthetic pesticides. chemical in most gardens and farms. “Learning to be self-sufficient is so important because of the direction and direction of our food industry,” says Robbins. Long before the pandemic, Robbins was a strong advocate for creating backyard gardens and sustainable sources for food harvesting and waste composting.


Thus, workshops such as Vermicompostage and Worm Tea & Castings take place every third Sunday of the month at the Beaucoop farm. Participants can learn to “naturally overload their garden to make it look like a GMO, without the GMOs,” says Robbins. Other DIY workshops include Building a Rain Barrel, Building a Chicken Coop, Building a Mealworm Farm, Lacto-Fermentation, Hay Bale Gardening, Painting a Birdhouse, and Show and Story with Endangered Poultry . In addition to attending the dirty workshops, you can now make an appointment at Beaucoop’s newly opened Petting Park to feed, pet and spend time with a Noah’s Ark-like fleet made up of mini donkeys, ponies, mini horses. , rescued rabbits, Nigerian dwarf goats, Kunekune pigs, an old African turtle named Rocky, Khaki Campbell ducks, guinea fowl, baby alligators, a Narragansett turkey, two different species of endangered sheep and many, many chickens. Robbins shares that she is also adding two primitive campsites on the grounds for campers to stay overnight on the farm among Beaucoop’s outdoor residents. If young visitors fall in love with the feathered, giggling locals, the farm offers a four-week hatching program to teach children (and adults) about the miracle of life and endangered poultry breeds. Beaucoop provides all the learning materials and hatching tools to get you started so you can observe the development of the chicks inside the egg and after 21 days. Already hatched and hand raised chicks are also available for adoption. “The only way to know you have truly organic produce and food is to grow your own,” says Robbins. “And the only way to learn is to start from scratch.” SRQ

Ferme Beaucoop, 941-479-2328, [email protected], beaucoopfarm.com, @beaucoop farm

Street Smarts – SRQIST :: Article from SRQ magazine by Ariel Chates

With several black belts to her credit, Lavonne Martin is bringing new meaning to the term “girl power” by teaching students of all ages how to protect themselves on and off the studio mat.

“I was a girl from a small town in Illinois with two young children, looking for a little exercise. And then, all of a sudden, I was a black belt in two different arts, ”recalls Lavonne Martin. As a woman in her twenties in 1977, Martin was on the older side of those who entered the martial arts world. But, immediately taken up by the sport, she quickly threw her plans to become a psychiatrist out the window, made a living and traveled to Los Angeles to train with Sifu Dan Inosanto, a living legend of progressive martial arts with an academy in Marina Del. Rey, California.


Now a certified guru herself (one of the few women in the world with full training in Filipino martial arts), she has shared her four decades of expertise in her Sarasota studio for 15 years. “My name is on the front door so I can do whatever I want here,” Martin jokes. After years of fighting his way to the top of male-dominated sport, Martin has certainly earned the right to call the shots. She is thoughtful and direct in her approach, which includes an interview with any potential student. “Everyone that comes here, I say, ‘Look, if you don’t like a woman telling you what to do, then this isn’t the place for you,’” Martin says. “I want every woman, man and child to feel safe here to grow and change. This studio is an experimentation lab, a place to find what works for you.

Photograph by Wyatt Kostygan


A personalized and varied lesson plan is the basis of Martin’s teachings because she appreciates the differences in all students. “I’ve seen people come here with an arm, or part of their body couldn’t move or a hand didn’t feel any way, but we changed things to give them back that power and say, ‘ Yes, I can do that, ”says Martin. Martin teaches his students to know their surroundings and to trust their instincts – important and real lessons. “My teaching is focused on the street. You don’t want to train one way and then get into trouble on the street, ”says Martin. “Nobody’s going to throw you a pair of boxing gloves over there. I want my students to learn to adapt. SRQ

Photograph by Wyatt Kostygan.


Martin Academy of Martial Arts, 6341 Porter Rd., # 5, Sarasota. 941-342-9944. martinacademy.com

Betty Knows Best – SRQIST :: Article from SRQ magazine by Ariel Chates

No sibling rivalry here – Gladys and Gina Jean work best together to make their jaw-dropping fried chicken sandwiches. Photograph by Wyatt Kostygan

The year? 2019. What’s the latest news? Popeyes ran out of sandwiches. The people? At the very least, they were losing their minds. In the midst of this madness, two business-hungry sisters saw an opportunity to give people what they desperately wanted: fried chicken. Armed with a life in the hospitality industry and a home cooking education from their Haitian grandmother, Gladys and Gina Jean drove to Walmart at 2 a.m. to make repairs and throw their hands in the ring or the coop. And their confidence in the kitchen – influenced by their grandmother – made them bite into something they knew they could compete with. “We would be in the kitchen and our grandmother would say, ‘Look at me. See how I do this or how I cut this. And, even though we didn’t know it, we unconsciously learned, ”Gina laughs. “Then she would come into the kitchen the next day and say ‘Bake beans and rice!’ And I realized I know how to cook it by looking at her so many times. We’ve been making Thanksgiving dinner for the whole family since we were 10 years old.


Now, the sisters are bringing their own creation of fried chicken to an endless line of patrons at their hidden gem, Barnyard Betty, which is tucked away in the Oneco Farmers Market in Bradenton. The brick and mortar stall was a necessary upgrade after the sisters’ original home cooking operation became an overnight sensation. “It was madness! We had city workers, Amazon trucks, FedEx drivers, blood drive buses, and even police cars started coming for their lunch, ”Gladys recalls. “Our little brother and sister got off the school bus, backpacks still in place, and started heading towards the cars wrapped around the block for orders.” The sisters’ famous fried chicken sandwich and homemade lemonade even had people calling at 3 a.m. to avoid the rush of orders the next day.

Buffalo Barnyard Betty adds a mild Buffalo sauce and Ranch dressing.  Photograph by Wyatt Kostygan


Now working full time at the Market, seven days a week for lunch and dinner, Gladys and Gina show no signs of slowing down. And their clientele (or “cousins” as they call them) never tire of it. “We started calling our customers ‘cousins’ very early on. They felt like part of the family and now as we get bigger and bigger we feel like they are growing with us, ”the John sisters say. “We issue orders like, ‘So and so cousin, fried chicken!’ and it’s taken. They will now come to the counter and say, “I’m coming to get cousin Bridget. They are part of the journey. It’s incredible.” SRQ

Barnyard Betty, 5108 15th Street E. Bradenton, Florida

The gardener’s life – SRQIST :: Article from SRQ magazine by Olivia Liang

Sigrid Hasselbacher, Diane Decicco, Mike Read and Carol Russell illustrate the community aspect of Culverhouse Community Garden as they serve the needs of the garden. Photograph by Wyatt Kostygan

With its wood chip paths, Bordered by overflowing low plots, Culverhouse Community Garden smells like gourmet cuisine. Located in Culverhouse Nature Park along the Legacy Trail, with 80 plots and 120 members aged 22 to 90, Culverhouse is one of Florida’s largest community gardens. All organic, all the time, Culverhouse has members who participate in 16 hours of community service per year to enjoy the freedom of their private plots and community of gardeners. The chores are shared, the education is endless and “the only competition is between the gardeners and the critters,” says Carol Russell, volunteer co-manager of the garden who recently lost 11 eggplants to a squirrel troop. hungry. Yet Russell ignores his loss, as it is just part of the gardener’s life.


Each member of the community garden gets their own plot, small, medium or large, depending on their initial level of expertise. With succulents at the entrance to the garden – and orchards of cherries, lemons, and avocados lining it – the possibilities seem endless for what can flourish indoors: sweet potatoes, papayas, sunflowers, pineapple, celery, figs and nasturtiums (even loofah – the familiar shower sponge when ripe, but a tender zucchini-like snack when first harvested). Some plots are private, some are shared, and some are set aside for higher use, like the special plots set aside specifically for growing food for the All Faiths Food Bank. But, whatever their official property status, all plots are municipal. Gardeners roam free and pluck a sprig or two of an unfamiliar herb, or try a curious-looking rocket or lettuce leaf from a neighboring gardener. “Our lives haven’t changed much,” says Russell, referring to the “new normal” brought on by the pandemic. “When you come, you work while you talk.” Gardening life is just more distant today – brainstorming recipes, discussing agronomy, and attending classes led by other gardeners – all while plants and people grow together. SRQ

Culverhouse Community Garden: culverhousegarden.org, @culverhousecommunitygarden

“The Fast and the Furious” is based on a 1998 magazine article

When the original Fast and furious film debuted in 2001, no one could have expected it to generate worldwide success movie franchise, including nine films and a spin-off. But here we are in 2021, and that’s exactly what happened.

While The fast and the furious the saga ends with F9: The quick saga, many people may not know how the saga really started. It all started with a magazine article that lit an ever-burning fuse to this day.

“The Fast and Furious” took the box office by storm in 20 years

In 2001, Paul Walker was not at all a famous actor. Vin Diesel had a little more notoriety: he had a stage tour in the cult hit No black but had not yet achieved fame. And yet these two were the protagonists of the very first Fast and furious film released 20 years ago.

Each sequel that followed increased the ridiculousness of the action sequences. What started out as a simple action movie about road thieves and illegal street racing has grown into a full-fledged franchise with car air chases and exotic locations. Each movie features new and more wacky stunts than the movie that came before it. It added more star power: Everyone from action stars like Dwayne John and Jason Statham to respected actors like Dame Helen Mirren and Charlize Theron joined the party.

The fast and the furious It may be coming to an end, but there is no denying its success. Every movie has been a box office hit, critics to hell. Movies may not be high art, but they seem to let audiences have a good time in the cinema.

How a magazine article inspired the ‘The Fast and the Furious’ franchise

We do not know what will inspire a successful film. Many Disney movies are based on fairy tales or old fables. Many films are based on books. Famous authors like Stephen King and Cormac McCarthy have seen their novels adapted for the big screen. The new cinema Zola is based on a popular Twitter thread. Movies can come from just about anywhere.

The fast and the furious was based on a magazine article.

According to Weekly entertainment, Kenneth Li wrote the article for Vibe Magazine in 1998. The title was Racer X. It told the story of a drag racer named Rafael Estevez from the Dominican Republic.

“I was a journalist at New York Daily News and I had written about illegal drag racing on the local tracks, but it was a family journal so they didn’t want me to write about the criminal aspect of it. It was intoxicating that there was this world of kids tuning their cars, making money and killing themselves. “

Li couldn’t believe it when he got a call from a studio to make it into a movie:

“I didn’t know anyone in Hollywood at the time and a random call came in from Universal that I thought was a prank.”

It wasn’t, and the rest was history.

How ‘F9: the Fast Saga’ will conclude ‘the Fast and the Furious’ franchise

Vin Diesel and Paul Walker in a scene from the movie ‘The Fast And The Furious’ | Universal / Getty Images

So, will the saga end? According to IMDb, the final film is now in theaters. They added one more star to the franchise for good measure: the former WWE and Blockers starring John Cena. He plays Jakob, the younger brother of Vin Diesel’s character. While Cena often plays the good guy in wrestling and in the movies, he plays the heel here.

While the jury is still out on where F9 ranks compared to the rest of the series, one thing is certain: Li’s article changed the face of Hollywood forever.

RELATED: ‘F9’ Movie Review: The Fast and Furious Family Gives Fans What They Want

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Virgin is suing the US train operator for $250 million for dropping its name

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Law360, London (March 4, 2021, 13:50 GMT) — Virgin Enterprises is suing a US train operator in London for more than $250 million in damages, accusing Brightline of using the COVID-19 pandemic to withdraw of trademark license process early.

The company, part of Richard Branson’s Virgin Group, said in its High Court complaint that Brightline was trying to end a branding deal. (Stock)

Virgin Enterprises Ltd., part of billionaire investor Richard Branson’s Virgin Group, said in its High Court complaint that Brightline was trying to terminate a 2018 trademark licensing deal on the basis of “a cynical allegation and misleading” claiming that the Virgin trademark had been damaged.

According to Virgin’s lawsuit, filed Feb. 10 and now made public, Brightline Holdings LLC began looking for an “opportunistic pretext to extricate itself” from a licensing tie after mulling the deal.

The arrangement allowed Brightline to rebrand its rail service to Virgin Trains USA in exchange for royalties. The license was to run for 20 years, with an option to extend it further, Virgin said.

But, in the summer of 2020, amid the coronavirus outbreak, Brightline claimed that the “Virgin brand had ceased to be a brand of great international renown, largely due to pandemic-related issues”, says the trial. “That suggestion was, and is, completely wrong.”

Brightline is trying to evade its contractual obligations, the lawsuit says. Virgin claims it is entitled to damages that would put it in the same position it would have been had Brightline not breached the trademark license agreement.

Brightline told Virgin in April that continuing to use its marks would significantly harm its brand and reputation, and the US company served a “healing notice”, the lawsuit says.

Virgin lawyers say Brightline would not have continued to use images of its trains on social media if the company believed the Virgin name hit its business. Brightline was posting tweets that prominently displayed images showing the Virgin brand around the time it was trying to terminate the contract, the lawsuit says.

According to their claim, Virgin told Brightline that their attempts to sever ties in this way would amount to a “material breach and repudiation” of their agreement. Virgin then served its own termination notice in August, according to the suit.

“The Virgin brand has remained, at all material times, a brand of great international renown,” the claim reads. “Defendant had no right to terminate the Trademark License Agreement.”

Under the terms of the license agreement, the earliest that Brightline could have legally terminated the contract was 2023 – although the company would have had to pay an exit fee. Virgin is suing to recover the royalties it should have paid up to that date, plus early termination fees.

That equates to $251.3 million, according to the lawsuit.

Brightline is based in Delaware and owns and operates an express passenger rail system in parts of the United States. Its ultimate parent company, Fortress Investment Group LLC, is an American investment management company.

Branson’s Virgin Atlantic received court approval in September for a restructuring plan that the airline said would help it emerge from a liquidity crunch triggered by travel disruptions caused by the pandemic. The restructuring was part of a wider £1.2bn ($1.6bn) recapitalisation.

Brightline and Virgin did not immediately respond to a request for comment on Thursday.

Virgin is represented by Daniel Toledano QC and Nicholas Sloboda of One Essex Court, retained by Herbert Smith Freehills LLP.

Information about Brightline Holdings’ attorneys was not immediately available.

The case is Virgin Enterprises Ltd. vs. Brightline Holdings LLC, Case Number CL-2021-000065, in the High Court of England and Wales.

–Additional reporting by Paige Long. Editing by Ed Harris.

For a reprint of this article, please contact [email protected]

Amazon hit by antitrust lawsuit alleging e-book price fixing

Amazon is accused of fixing the price of e-books sold on the e-commerce site through anti-competitive agreements with the country’s top five publishers, according to a complaint lodged Thusday.

The class action lawsuit filed in the U.S. District Court for the Southern District of New York alleges that Amazon and publishers entered into price-fixing agreements in 2015, allowing publishers to raise their e-book prices by up to 30% while protecting Amazon from price competition from other eBook retailers.

The lawsuit also alleges that Amazon violated antitrust and consumer protection laws through agreements with publishers known as the “Big Five”, consisting of Hachette, HarperCollins, Macmillan, Penguin-Random House and Simon & Schuster.

The lawsuit, brought by Hagens Berman, follows a similar class action lawsuit the company filed against Apple and the so-called Big Five in 2011. That case ended with Apple settling for $400 million and publishers settling for millions more, the firm mentioned.

The settlement also prevented the Big Five from interfering with retailer discounts for two years, which led to lower and more competitive e-book prices in 2013 and 2014, before the alleged price-fixing agreement that Amazon and the publishers settled in 2015, according to the complaint.

“Amazon’s abuse of power proves, once again, that when it comes to violating antitrust laws, the new economy is up to the same old tricks,” said Steve Berman, managing partner at Hagens Berman, in a statement.

Spokespersons for Amazon and Macmillan declined to comment. Spokespersons for the other publishing houses were not immediately available for comment.

The lawsuit was filed the same week Connecticut Attorney General William Tong (D) says his office has an “active and ongoing antitrust investigation” into Amazon over “potentially anti-competitive terms in their e-book distribution agreements with certain publishers.”

Connecticut was among the states that had previously filed a lawsuit against Apple over competition in e-book sales. The Justice Department also sued Apple in 2012, alleging it conspired with major publishers over the price of e-books.

The state-led probe into Amazon’s e-book business is one of several antitrust investigations facing the e-commerce giant, including state and federal-led efforts.

Town near Ferguson, Mo. agrees to pay $4.7 million to settle ‘debtors’ jail’ case

Members of the Missouri National Guard stand outside the Ferguson Police Department and City Court in Ferguson, Missouri in November 2014. (Jeff Roberson/Associated Press)

A nearby town of Ferguson, Missouri agreed to pay $4.7 million to about 2,000 mostly poor black residents whom it jailed for unpaid court debts, many for minor offenses such as than violations.

The settlement comes in a proposed class action settlement that was pre-approved by a Missouri federal judge on Wednesday.

The settlement with Jennings, Mo., would mark the highest daily compensation rate reached in a settlement with a U.S. municipality to address such incarceration practices, according to civil rights attorneys who brought the case .

Critics of the imprisonments argued that they criminalized poverty and called the detentions unconstitutional because of the ban on imprisoning people simply because they are too poor to pay.

City attorneys have reached “a comprehensive settlement that hopefully can be a model for other jurisdictions employing debtors’ jails and cash bail” pending final court approval, Thomas said. B. Harvey, executive director of ArchCity Defenders of St. Louis, who represented eight primary plaintiffs with attorneys from Saint Louis University School of Law and Washington-based Equal Justice Under Law.

However, Harvey added that “there are 90 towns around Jennings and Ferguson. Until all change their practices either voluntarily or following legislation or litigation. . . it will always be a region that over-polices for revenue and criminalizes black life.

D. Keith Henson, an attorney representing the town of about 14,700 residents, said he would have no comment until final approval of the settlement, which includes an additional debt forgiveness of $1 million to $2 million for people detained for non-payment in the city jail between February 8, 2010 and September 16, 2015.

U.S. District Judge Carol E. Jackson for the Eastern District of Missouri has scheduled a hearing for Dec. 14.

Legal groups filed lawsuits in February 2015 against Jennings and Ferguson, alleging cities were increasingly burdening poor and black defendants with a disproportionate share of local criminal justice system costs, fueling the kind of frustrations that erupted. after the fatal 2014 police shooting of Michael Brown in Ferguson.

Ferguson passed his own reforms but did not settle his case after mediation, with a trial tentatively scheduled for next July. Ferguson’s attorney, Robert T. Plunkert, of Pitzer Snodgrass of St. Louis, declined to comment, citing ongoing litigation.

In March, the Justice Department wrote to local courts in all 50 states warning them that raising revenue through fines and fees that exposed the poor to mounting debt and were enforced by jail time or driver’s license suspensions, for example, often violated constitutional protections.

About 81 of the 90 municipalities near St. Louis operate decentralized local courts, which, along with St. Louis County, collected nearly half of the $132 million in fines paid by Missourians, a 2014 study found. , although the region is home to less than one in four state residents. .

According to the study, more than a dozen small towns that, like Ferguson and Jennings, have large black populations, benefited more from traffic fees and fines than from sales or property taxes. People who don’t pay the fines are often arrested. Income often came from offenses such as driving with a suspended license, expired registration, or lack of proof of insurance.

Jennings in September consented to a federal court order dismissing the “failure to appear” charges, ending cash bail for nonviolent offenses and offering indigents waived or reduced fines or community service alternatives. The city agreed to release the people when they were first arrested and rely on civil debt collectors.

Localities in the region at the time also agreed to lift tens of thousands of driver’s license suspensions due to a person’s failure to appear in court. Ferguson also capped court revenue at 15% of the city budget, abolished the “failure to appear” offense and related fines, removed 10,000 warrants issued before 2015, and eliminated vehicle towing and revocation fees. mandates.

Hasbro will turn Mr. Potato Head into a gender-neutral spud

Hasbro, Inc. (NASDAQ: POSSESSES) turns Mr. Potato Head into a gender-neutral toy.

Changes: The Pawtucket, Rhode Island-based company is making the change to reflect changing consumer preferences. The decision will also impact the Ms. Potato Head toy, which will have its gender identity removed.

“The culture has evolved,” said Kimberly Boyd, senior vice president and general manager of Hasbro in an interview with fast company. “Children want to be able to represent their own experiences. The way the brand currently exists – with the “Mr.” and “Mrs.” – is limiting with respect to both gender identity and family structure. “

Hasbro did not say when the toy update would happen.

A brief history of gender-specific potatoes: Hasbro introduced Mr. Potato Head in 1952. At the time, consumers had to supply their own potato, while the toy company offered plastic parts that gave the item anthropomorphic life. Plastic potato bodies were not introduced until 1964.

Kids knew the toy potato’s gender from a felt mustache and pipe in the accessory pack. (The pipe was dropped in 1986 when the character was licensed for the Great American Smokeout campaign.)

Mrs. Potato Head was introduced in 1953, with feminine accessories including hair bows and a bright red lipstick mouth to signal a gender difference from her predecessor. Potato Head’s offspring, Yam and Spud, came later, along with similar product-inspired characters, Kate the Carrot, Pete the Pepper, Oscar the Orange, and Cookie Cucumber.

Mr. Potato Head was featured in a 1992 public service announcement for the Presidents Council on Fitness, in which he renounced his “couch potato” lifestyle, and Mr. and Mrs. Potato Head joined the League of Women Voters in 1996. campaign to get the vote.

The product gained a new level of popularity with the 1995 animated film “Toy Story” with Don Rickles voicing a perpetually grumpy Mr. Potato Head. Mrs. Potato Head, voiced by Estelle Harris, did not show up until the 1999 sequel.

UPDATE: After news of the transition to gender-neutral toys started circulating on the internet, Hasbro got down to Twitter to clarify his decision-making. The company said that while the product dropped the “M.” and “Mrs.” name, plastic potatoes will always retain distinct gender identities.

“While it was announced today that the POTATO HEAD brand name and logo is removing the ‘MR.’ I am proud to confirm that MR. & MRS. POTATO HEAD is not going anywhere and will remain MR. & MRS. POTATO HEAD,” the company tweeted.

Photo by Dollyhaul/Creative Commons.

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© 2021 Benzinga.com. Benzinga does not provide investment advice. All rights reserved.

Soft skills that work for youth employment and development

Once you graduate, the next big step you’ll likely take is to look for a job. But even with a degree, many people still struggle to find a job. In fact, according to a University of Washington survey, about 53% of new graduates are unemployed or underemployed. There are several reasons for this huge unemployment rate.

And if you don’t want to be part of the stats, you might want to increase your employability by developing not only your industry-related knowledge, but also your soft skills.

Why are soft skills important?

HR managers and employers now find it important to hire people who have developed soft skills. While it’s always possible to gain knowledge about a particular business or industry, soft skills tend to be more difficult to develop unless it’s something you really want to acquire.

So, if you’re a fresh graduate or someone looking to succeed in life and at work, there are several soft skills you absolutely need to cultivate:

1. Teamwork

Not everyone has the ability to work effectively in a team. And if you want to work in a company where teams are present, then this skill is a necessity.

It is important that you know how to behave with other members of your team, no matter how difficult the situation. You need to understand what it takes to be an active player in your team.

Knowing team dynamics can help you better prepare to manage your team and work with them to achieve your goals at work.

2. Negotiation

Your ability to communicate your terms and manage negotiations is also an important skill to possess during employment. This can help you win in situations where you think you have a deal you’d like to make. It can help you win customers, negotiate important issues in business meetings, and conclude contracts in which your conditions are taken into account.

This skill can also help you earn the respect of the people you deal with.

3. Communications

Almost everything you do in the workplace will require communication. This means you must have the ability to read, write, speak and listen to help your team complete their tasks and achieve their goals. It can also help you improve your team camaraderie and limit conflicts that may arise in the workplace.

4. Conflict Resolution

In the workplace, you will be dealing with different types of people, with different beliefs, personalities and points of view. That is why conflicts of different kinds are inevitable. And to help you maintain a harmonious relationship with your co-workersyour ability to resolve conflicts is essential.

Effectively resolving conflict can help strengthen the bonds within your team and help the team maintain healthy team dynamics in the workplace.

5. Troubleshooting

The job involves a lot of problem solving. No matter what industry you work in, there will be many times when you need to think about how to solve the problems you are having with your job. Your resourcefulness can be useful and your ability to work under pressure will also be a good skill to have to be able to solve problems better.

6. Presentation

Another valuable soft skill you may want to have is the ability to speak in front of an audience to present an idea. This skill can help you deal better with customers, close deals, and achieve team goals. In addition to looking presentable in front of people, you also need to be good at expressing yourself to be able to present concepts effectively.


Whatever field of endeavor you decide to pursue, these skills will surely help you improve your hiring and even climb the ladder of success. With these soft skills, your chances of get noticed and get jobs will certainly increase.

Spirit Realty Capital, Inc. Provides Update on Rent Collection, Capital Deployment and Equity Issuance

DALLAS–()–Spirit Realty Capital, Inc. (NYSE: SRC) (“Spirit” or the “Company”), a net leasehold real estate investment trust (“REIT”) that invests in single-tenant, core real estate on the operational plan, today provided an update on rent collection, capital deployment and equity issuance activity.

As of December 3, 2020, the Company had collected 93% of the November base rent, or 98% of the November base rent excluding cinemas.

Since the beginning of the quarter, the Company:

  • Completed acquisitions of $262 million and expects to complete acquisitions in the fourth quarter of $400-425 million.

  • Entered into additional forward contracts for 5,253,548 common shares under the company’s At-the-Market program at an average gross execution price of $36.24 per share. Assuming full physical settlement, the futures represent gross proceeds of $190.4 million, subject to certain adjustments.

  • Futures contracts that physically settled or received notice of physical settlement resulting in the issuance of 8,368,551 shares, bringing the number of shares outstanding as of December 3, 2020 to 114,250,766 (or 117,804,314 assuming physical settlement integral of the remaining futures contracts outstanding).

Additionally, the company is increasing its full-year capital deployment guidance, including revenue-generating capital expenditures, to $840 million to $865 million from its previous guidance of $700 million to $750 million.


Spirit Realty Capital, Inc. (NYSE: SRC) is a net-leasehold real estate investment trust (“REIT”) that invests primarily in single-tenant, operationally critical real estate assets, subject to long-term leases.

As of September 30, 2020, our diversified portfolio of 1,778 owned properties, with a total leasable area of ​​37.2 million square feet in 48 states, included commercial, industrial and office properties leased to 296 tenants in 28 sale sectors. by retail. More information about Spirit Realty Capital can be found on the investor relations page of the company’s website at www.spiritrealty.com.


This press release may contain forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 and other federal securities laws. These forward-looking statements can be identified by the use of words and phrases such as “expect”, “plan”, “will”, “estimate”, “project”, “intend”, ” believe”, “guidance”, “approximately”, “anticipate”, “may”, “should”, “seek” or the negative form of these words and phrases or similar words or phrases which are predictions or indicate events or future trends and which do not relate to historical matters but are intended to identify forward-looking statements. You can also identify forward-looking statements by discussions of management’s strategy, plans or intentions. These forward-looking statements are subject to known and unknown risks and uncertainties that you should not rely on to predict future events. Forward-looking statements depend on assumptions, data and/or methods which may be incorrect or inaccurate and Spirit may not be able to realize them. Spirit does not guarantee that the events described will occur as described (or that they will occur at all). The following risks and uncertainties, among others, could cause actual results and future events to differ materially from those set forth or contemplated in the forward-looking statements: industry and economic conditions; financial market volatility and uncertainty, including potential fluctuations in the consumer price index; Spirit’s success in implementing its business strategy and its ability to identify, underwrite, finance, complete, integrate and manage acquisitions or diversified investments; the financial performance of Spirit’s tenant retailers and demand for retail space, particularly with respect to challenges faced by general merchandise retailers; Spirit’s ability to diversify its tenant base; the nature and extent of future competition; increases in Spirit’s borrowing costs due to changes in interest rates and other factors; Spirit’s ability to access debt and equity capital markets; Spirit’s ability to repay, refinance, restructure and/or extend its indebtedness as it becomes due; Spirit’s ability and willingness to renew its leases upon expiration and to reposition its properties on the same or better terms upon expiration in the event such properties are not renewed by tenants or if Spirit exercises its rights of replace existing tenants in the event of default; the impact of any financial, accounting, legal or regulatory issues or disputes that may affect Spirit or its major tenants; Spirit’s ability to manage its expanded operations; Spirit’s ability and willingness to maintain its qualification as a REIT under the Tax Code 1986, as amended; the impact on Spirit’s business and those of its tenants of epidemics, pandemics or other outbreaks of illnesses, diseases or viruses (such as the strain of coronavirus known as COVID-19); and other risks inherent in the real estate business, including tenant defaults, potential liability related to environmental issues, illiquidity of real estate investments and potential damage from natural disasters discussed in Spirit’s latest filings with of the SEC, including its Annual Report on Form 10-K for the fiscal year ended December 31, 2019 and subsequent Quarterly Reports on Form 10-Q. You are cautioned not to place undue reliance on forward-looking statements which are based on available information and speak only as of the date they were made. Although forward-looking statements reflect Spirit’s good faith beliefs, they are not guarantees of future performance. Spirit expressly disclaims any responsibility to update or revise any forward-looking statements, whether as a result of new information, future events or otherwise, except as required by law.

PG County agrees to pay family of man killed by county cop $20 million

Prince George’s County has agreed to pay $20 million to the family of a man who was killed by a police officer, County Executive Angela Alsobrooks announced Monday at a news conference.

At the end of January, Cap. Michael Owen Jr. shot William H. Green, 43, six times, killing him, Alsobrooks said. The Prince George’s County Police Department arrested Owen in late January on multiple counts, including second-degree murder and intentional and manslaughter, according to a police news release. Owen is still awaiting trial.

It was the first time a Prince George County officer had been charged with murder resulting from actions while on duty, Alsobrooks said.

“There is no appropriate price tag to accompany a loss like this, but we believe the actions taken that night against Mr. Green and ultimately taken against his family warrant this settlement,” Alsobrooks said. “I am deeply sorry for your loss and understand that this will not bring your son back.”

[PGCPS tables proposal to eliminate school resource officers for a second time]

The settlement will come from the Prince George County budget, Alsobrooks said. Alsobrooks issued an executive order in July that created a police reform task force, which will be made up of 23 people who will review police policies, training and the use of force, he said. she stated. The Green family will be able to work with the task force, Alsobrooks said.

Green’s family, who appeared at the press conference, said the settlement does not correct the injustice suffered by their loved one. However, they said they needed it to move on.

“It doesn’t bring justice, it doesn’t bring peace,” said Nikki Owens, a cousin of Green.

[Prince George’s County launches police reform task force]

William H. Murphy, who represented the family, said the case demonstrated how “deeply racist” police culture is.

In response to a question about a possible change in service following the resignation of former police chief Hank StawinskiMurphy said change in a police department can’t happen without “comprehensive reform,” which he says hasn’t happened.

“As long as we have brutality, and as long as it’s not dealt with by civil justice, we will prosecute the bad cops,” Murphy said. “And sometimes getting big verdicts, like we’ve had historically, is the only way to get police departments, city governments, and county governments to listen and do the right thing.” Because if you haven’t hurt them in the wallets, you haven’t hurt them at all.

New TCPA ruling lays the groundwork for a new division of the circuit

By Allison Grande (October 9, 2020, 5:08 p.m. EDT) – A Louisiana federal judge’s decision to remove liability for robocalls and text messages made in the past five years sets the stage for another circuit split involving the Telephone Consumer Protection Act and, if more widely adopted, would mark the biggest boon yet for defendants trying to ride out a wave of litigation.

In a first-of-its-kind ruling released September 28, U.S. District Judge Martin Feldman agreed with Charter Communications’ argument that the July 6 U.S. Supreme Court ruling in Barr v. American Association of Political Consultants — which declared unconstitutional a TCPA exemption that allowed robocalls to be…

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RBI reshuffles Deputy Governors’ portfolios following Rabi Sankar’s appointment

Following the appointment of T Rabi Sankar as deputy governor of the Reserve Bank of India (RBI), the central bank on Thursday shuffled and allocated the portfolios among its four deputy governors.

Sankar took office as deputy central bank governor today for a three-year term or until further notice, whichever comes first. Prior to being elevated to Deputy Governor, he served as Executive Director of RBI.

The newly appointed deputy governor will handle the departments of currency management, foreign investment and operations, government and bank accounts, information technology, payment and settlement systems, foreign exchange, management internal debt and the right to information.

Read also : T Rabi Sankar appointed Deputy Governor of RBI, to succeed BP Kanungo

Among others, there are nine departments under MD Patra, including the key monetary policy department. He will also handle the departments of Corporate Strategy and Budget, Economic and Policy Research, Statistics and Information Management, Deposit Insurance and Credit Guarantee Corporation, Market Operations Financial Services, Financial Markets Regulation, Financial Stability Unit and International Department.

Mr. K. Jain will also have nine departments under him: coordination, central security cell, education and consumer protection, supervision, financial inclusion and development, human resources management, premises, rajbhasha and secretariat.

There are six departments under Mr. Rajeshwar Rao. He was assigned to the Regulatory, Communications, Enforcement, Inspection, Legal and Risk Oversight departments.

Sankar fills the position created by the retirement of BP Kanungo on April 2, after completing his one-year extension.

Read also : Maintain business resilience, manage risk wisely: RBI Guv tells NBFCs

A financially troubled startup helped fuel the Trump campaign

This November 16, 2020, a screenshot of a smartphone shows the

1 out of 2

This Nov. 16, 2020, smartphone screenshot shows the “Official Trump 2020 App,” which allowed President Donald Trump’s re-election campaign to monitor the movements of his millions of supporters and offered access intimate to their social networks. Phunware Inc., the software company that created the app, is in financial trouble and has been supported at key times by the administration and the campaign, according to interviews with former employees, financial documents and documents judicial. (AP Photo)

1 out of 2

This Nov. 16, 2020, smartphone screenshot shows the “Official Trump 2020 App,” which allowed President Donald Trump’s re-election campaign to monitor the movements of his millions of supporters and offered access intimate to their social networks. Phunware Inc., the software company that created the app, is in financial trouble and has been supported at key times by the administration and the campaign, according to interviews with former employees, financial documents and documents judicial. (AP Photo)

SAN FRANCISCO (AP) — President Donald Trump’s 2020 re-election campaign was powered by a cellphone app that allowed staff to monitor the movements of his millions of supporters and provided intimate access to their social networks.

Although the campaign is coming to an end, the data strategy is alive and well and the digital details collected by the app can be used for multiple other purposes – to raise funds for the President’s future political endeavors, to feed the Trump or even create an audience for a new media empire.

The app allows Trump’s team to communicate directly with the 2.8 million people who have downloaded it – more than any other app in a US presidential campaign – and if they’ve given their permission, with their list of complete contacts also.

Once installed, it can track their behavior on the app and in the physical world, make headlines, fundraise, sell MAGA merchandise and sync with mass SMS operations, in accordance with the privacy policy and the app’s user interface.

Yet the enterprise software company that built a tool to propel Trump’s mass movement is financially struggling and has received key support from the administration and presidential campaign, according to interviews with former employees. , financial documents and court documents.

Austin-based Phunware Inc., whose shares trade for pennies, recently agreed to pay Uber $4.5 million as part of a settlement over allegations of fraudulent advertising and earlier this year was in danger of being delisted from the Nasdaq. In April, the company secured a $2.9 million loan under the Coronavirus Aid, Relief and Economic Security Act as it built the Trump campaign app.

Campaign watchdogs and former employees marvel at how a struggling startup known for building apps for hospitals and a Manhattan-based astrologer became a juggernaut in Trump’s re-election bid, easing an ongoing data and fundraising effort that has thrown the company a financial lifeline.

While activity on the app has slowed recently, the enriched data it has collected on Trump supporters, which can include everything from their contacts to their IP addresses to their locations, can serve many purposes. purposes in the future, said Adav Noti, a former attorney for the Federal Election Commission. with the nonpartisan Campaign Legal Center.

Congress and the FEC have not established rules governing how campaigns can use people’s personal data and/or to whom the campaign can sell its lists, he added.

“You can definitely buy the data and the campaign can sell it to you, the trickier question is how much you have to pay for it,” Noti said.

Phunware declined to answer questions about the app, the company’s financial situation, its internal culture and its relationship to the campaign.

“Phunware has absolutely no role in US election-related constitutional processes at any level…and also has no role in content created or used by our customers specific to our mobile software or platform. -enterprise cloud form for mobile,” said CEO Alan Knitowski. said in an email.

The campaign declined to answer questions about possible future uses of supporter data collected through digital platforms, including the Phunware app.

“The data belongs to the campaign and is limited to anything that touches their servers,” said a senior Trump campaign official who spoke on condition of anonymity to discuss campaign details.

As Phunware has gone through tough financial times, it has fired employees, customers and investors, 10 of whom agreed to speak to The Associated Press, some on condition of anonymity because they had signed non-disclosure agreements. -disclosure or feared retaliation.

Phunware sued its client Uber in 2017, accusing the ride-sharing company of failing to pay its fees, according to court records. But after Uber filed a lawsuit against Phunware, alleging the software company committed fraud, including allowing ads for the ride-sharing app to appear on porn sites, former employees said that the startup was looking to diversify its sources of income.

Karl Rove, a former adviser to President George W. Bush, told The Associated Press that he brokered a relationship between Phunware staff and Trump’s 2016 campaign digital director Brad Parscale.

“I thought it had a lot of policy implications, so in a later conversation I mentioned it to Brad Parscale,” Rove said. “He said ‘interesting’ and that was it, he never told me he hired them.”

Knitowski said in an email that he built the relationship with the campaign.

“Phunware met the Trump campaign through me directly after a 1:1 introduction from a Silicon Valley CEO who asked for our consideration and participation in a tender that also had Salesforce as a finalist,” Knitowski said. .

In early 2019, after Phunware went public, former colleagues said Knitowski talked about wanting to woo the Trump campaign. In April, 15% of Phunware’s staff was laid off due to “organizational restructuring and cost cutting,” according to a Securities and Exchange Commission filing.

In August, there was something new to announce: working with American Made Media Consultants, “otherwise known as the ‘Trump-Pence 2020’ and ‘Keep America Great’ campaign,” Knitowski said on a call. to the results.

According to a document filed with the Federal Communications Commission two months later, the company’s directors included director of campaign operations Sean Dollman and campaign attorney Alex Cannon.

Phunware would later reveal more details about its work on the Trump app, which would include location-based tools and other features to help the campaign recruit new users. Additionally, there would be a fun loyalty system, where supporters could rack up points to spend on signed MAGA hats or pose for a photo with Trump.

As of September 2019, 18% of the remaining staff had been laid off after client Fox Networks Group left, taking with them a significant percentage of Phunware’s sales, according to filings.

In April, as coronavirus cases surged, Phunware secured a $2.9 million loan from the US Small Business Administration’s Paycheck Protection Program, a relief fund created by Congress to help small businesses. businesses to keep workers employed.

Phunware COO Randall Crowder denied that political patronage allowed Phunware to secure the loan in a taped interview.

The following month, Nasdaq informed the company that it could be delisted due to its finances. To stay listed, companies must meet standards to reassure investors that since IPO they remain a credible company.

SEC filings reveal that in July, American Made Media Consultants accounted for a third of all Phunware sales, paying Phunware more than $1.6 million in the first half of 2020.

As the pandemic kept people at home, Trump’s campaign used the app to acquire new users remotely. By mid-November, the app had reached 2.8 million downloads, according to online data provider Apptopia.

This could give the campaign hundreds of millions of phone numbers, allowing it to reach people whose numbers were stored in their friends’ contact lists but who have not consented to be contacted, the CEO said. of Apptopia, Eliran Sapir. A Carnegie Mellon University researcher, however, estimated the total to be closer to 27 million due to duplicate phone numbers.

In a Thursday filing with the SEC, Phunware suddenly stopped disclosing the names of its top customers. But matching the accounting numbers to earlier documents, AP deduced that American Made Media Consultants is Phunware’s largest client and paid Phunware $2.4 million in the first 9 months of 2020, which is nearly a third of Phunware’s revenue.

Two former employees agree. The app developer also disclosed significant debt and expressed “substantial doubt as to its ability to continue in business”.


Associated Press writer Bernard Condon and researcher Jennifer Farrar in New York contributed to this report.


Follow Garance Burke at http://twitter.com/garanceburke. To contact the AP Investigative Team, email [email protected]

Ranger Notes: Offer from Rendon, Lyles

The Rangers were a free agent Anthony Rendon up to $32 million per year for six years, by MLB Network Insider Jon Heyman. The $192 million 6-year total package landed a year and $53 million short of the winning bid. Heyman points out that the lack of income tax in Texas brought the dollar value of the Rangers’ offer more or less in line with the contract Rendon ultimately signed. The extra year made the difference for the player and the team in this case. Rendon turns 37 in June of his seventh year with the Angels.

Although they haven’t landed a big bat yet (and apparently won’t push to sign Josh Donaldson), Rangers have made strides to improve their rotation with the addition of Kyle Gibson and Jordan Lyles. While reliable rotation arms don’t equate to a star signing like Rendon, for Rangers they are essential additions. Of course, part of that gambit is assuming that Lyles is throwing more like he did in Milwaukee (2.45 ERA) and less like he did in Pittsburgh (5.36 ERA).

The sky is the ceiling when casters change teams these days, however, as revamping arsenals and usage patterns has quickly become the norm. For Lyles, much of the improvement he experienced in Milwaukee can be attributed to switching from a lead to a four seam and swapping a slider for a curveball, by Evan Grant of the Dallas News. Rangers also see Lyles as something of a developmental descendant of Lance Lynn, who made a similar pass at a four-seam in Texas. Rangers believe Lynn will be a positive influence on Lyles as he tries to play with more consistency.

For his part, Lyles credits the urgency of a playoff push and his chemistry with the receiver Yasmani Grandal as a determining factor in his success at the end of the season. the Rangers capture situation is far from settled, with Jeff Mathis Grandal’s closest defensive equivalent in terms of pedigree. It will be an uphill battle for the Rangers to place themselves in the playoff race, although Gibson and Lyles raise the rotation floor going a long way to solving 2019’s problems. Still, the Astros, A’s and Angels are all pushing for discord, as the Mariners prepare for a push in 2021.

Arcelormittal nears India foray as Nclt clears takeover of Essar Steel

After more than a year of legal wrangling with bidders, courts and banks, the Ahmedabad bench of the National Company Law Tribunal (NCLT) on Friday approved ArcelorMittal’s resolution plan for Essar Steel Ltd, in debt.

ArcelorMittal, in joint venture with the Japanese Nippon Steel & Sumitomo Metal Corp., has offered an initial cash settlement of 42,000 crore to lenders and a Capital infusion of 8,000 crore. ArcelorMittal is also planning a Capital expenditure program of 18,697 crores for the asset until 2024, according to its annual report 2018.

In its order, however, the NCLT asked ArcelorMittal to offer 15% of the initial cash settlement of 42,000 crore, or 6,300 crore, at operational creditors. The original proposed resolution plan only 196 crore to operational creditors against the claims of 4,976 crore. The NCLT order means that the financial creditors – the banks – will have to take a higher discount on the asset.

The approval comes after the National Company Law Appellate Tribunal (NCLAT) on February 28 ordered NCLT Ahmedabad to take a decision on ArcelorMittal’s bid for Essar Steel plan by March 8.

January 29, NCLT Ahmedabad had rejected a proposal for full settlement of the debt of 54,389 crores from Essar Steel shareholders. The court ruled that the offer violated Section 12A of the Insolvency and Bankruptcy Code (IBC), which states that promoters can remove a company from bankruptcy proceedings by paying the full settlement, but not after the other parties have submitted their expressions of interest.

“We welcome today’s statement from NCLT Ahmedabad. Although we need to review the entire written order once it becomes available, we hope to complete the transaction as soon as possible,” an ArcelorMittal spokesperson said.

A spokesperson for Essar said: “We continue to believe that our offer to settle 54,389 crore is the most compelling available to Essar Steel’s creditors and fulfills IBC’s stated overriding objective of maximizing value, which has been repeatedly established by courts at all levels. We are also confident of the legal validity of our Section 12A offer, which provides for withdrawal from the IBC process by making full payment to creditors. We are awaiting a copy of the NCLT order and will take an appeal on next steps after reviewing it.”

the Acquisition of Essar Steel will give ArcelorMittal control of India’s largest flat steel mill in Hazira, Gujarat, with a nominal capacity of 10 million tons per year. However, the plant is operating at much lower capacities and will require significant capital investment to operate at full capacity. The asset also has two iron ore pellet plants, in Visakhapatnam and Paradip, and a downstream steel hub in Pune, close to an automobile manufacturing hub.

While ArcelorMittal has proven expertise in turning around ailing steel units and cutting costs until plants become viable, Essar Steel’s turnaround will be the most ambitious yet.

“The Essar Steel plant has always been the most expensive producer of flats in the country,” Atanu Mukherjee, chairman of MN Dastur and Co., a global metals and energy consultant, said in an interview there. two weeks. “Its products are typically priced at $480 to $490 per ton on the cost curve, while competitors JSW Steel and Tata Steel, with much lower production costs, enjoy high margins as the higher cost producer sets the price,” he said.

If ArcelorMittal enters India and turns around the ailing Essar Steel unit, it will “flatten the cost curve” through investment and operations management, thereby squeezing competitors’ margins. This is one of the reasons why steel producers would prefer a struggling steel mill on India’s west coast. rather than one that is up and running, Mukherjee said. “The ensuing competition that ArcelorMittal will impose on incumbents could therefore be intense,” he said.

Read also : The Great Indian Steel Battle

ArcelorMittal is the world’s leading steel and mining company, with a presence in 60 countries and an industrial presence in 18 countries.

Mittal has made several attempts to get its foot in the door in India, including with projects planned in Odisha and Jharkhand in 2005 and 2006, but none took shape. In 2010, the company signed an agreement with the government of Karnataka to set up a capacity of 6 million tonnes per year, but the land acquisition process for this project has only just been completed.

Most of Essar Steel’s steelmaking capacity is designed to run on natural gas. Plant operations ran into trouble in March 2011 when the then government changed its gas allocation policy and cut off supply to the company after classifying the steel sector as ‘non-essential’ of “priority”. The company has stated in the past that it had to bear a loss of approximately 26,000 crores between 2011 and March 2016 due to non-supply of gas.

In May 2017, Essar Steel’s lenders – with the State Bank of India as the consortium leader – were close to finalizing a proposal to restructure the business. However, in June, the Reserve Bank of India (RBI) identified the asset as part of its “dirty dozen” for immediate resolution in the bankruptcy courts.

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PlantX Announces Fully Subscribed Private Placement and Company Update

Each Unit will consist of one (1) common share (one “Ordinary share“) of the Company and one (1) common share purchase warrant of the Company (each a “To guarantee“). Each warrant will entitle its holder to acquire one (1) common share for a period of 24 months from the date of issue of the warrant (the “Mandate expiry date“), at an exercise price of $0.75 per share. In the event that the price of the Common Shares on the Canadian Stock Exchange (“CSE“) (or any other Canadian stock exchange on which the Common Shares are listed for trading) is equal to or greater than $2.00 per common share for any period of 10 consecutive trading days, the Company may, at its option, within 10 business days following such 10-day period, accelerate the expiry date of the Warrants by issuing a press release ( a “Press release on the acceleration of mandates“), and, in this case, the expiry date of the voucher will be deemed to be 5:00 p.m. (Vancouver hour) on the 30th day following the publication of the press release accelerating the mandates.

The Offering is expected to close on or about December 14, 2020, subject to certain conditions, including but not limited to acceptance by the CSE. Unless otherwise indicated, all currency amounts are in Canadian dollars.

This press release does not constitute an offer to sell or the solicitation of an offer to buy and there will be no sale of the securities in any state where such offer, solicitation or sale would be unlawful. The securities offered have not been, and will not be, registered under the United States Securities Act of 1933, as amended, and may not be offered or sold in United States lack of registration or an applicable exemption from the registration requirements of the United States Securities Act of 1933, as amended, and applicable state securities laws.

Corporate update

The Company announces that it will issue a total of 409,453 common shares to certain consultants of the Company (collectively, the “Advisors“), at a reputable price of $1.03 per common share for services rendered in accordance with the terms of their respective compensation agreements with the Company. The common shares issued to the consultants will be subject to a hold period of 4 months from the date of issue in accordance with the policies of the CSE.

The Company also announces that it has entered into debt settlement agreements (“Debt settlement agreements“) with certain arm’s length creditors of the Company (collectively, the “Creditors“) for debts in the total amount of $149,326. Pursuant to the terms of the debt settlement agreements, the Company will issue an aggregate of 144,977 common shares to creditors at a deemed price of $1.03 per ordinary share, in settlement of the aggregate debt owed to creditors. Common shares issued to creditors pursuant to the debt settlement agreements will be subject to a statutory hold period which will expire four months and one day from the date of issue in accordance with applicable Canadian securities laws.

About PlantX Life Inc.

As the digital face of the plant community, the PlantX platform is the one-stop-shop for everything plant-related. With its fast-growing vertical categories, the company offers its customers across North America more than 10,000 plant products. As well as offering meal and houseplant deliveries, the company currently plans to expand its product lines to include cosmetics, clothing and its own brand of water – but the company is not limiting itself. to an e-commerce platform. The company uses its digital platform to create a community of like-minded consumers and, more importantly, to provide education. His successful business is built and strengthened on partnerships with top nutritionists, chefs and brands. The company is eliminating barriers to entry for anyone interested in living a plant-based lifestyle and thriving in a longer, healthier and happier life.

The Company’s website is http://investor.PlantX.com/.

Forward-looking information

This press release contains “forward-looking information” within the meaning of applicable securities laws. Any statements contained herein that are not clearly historical in nature may constitute forward-looking information. In some instances, forward-looking information may be identified by words or phrases such as “may”, “will”, “expect”, “probable”, “should”, “would”, “expect”, ” anticipates”, “intend”, “potential”, “proposed”, “estimate”, “believe” or the negative form of these terms, or other similar words, phrases and grammatical variations, or statements that certain events or conditions “can” or “will” happen, or through policy discussions. Forward-looking information contained herein includes, but is not limited to, statements relating to the terms and expected completion of the Offer.

By its nature, forward-looking information is subject to inherent risks and uncertainties which may be general or specific and which give rise to the possibility that the expectations, forecasts, predictions, projections or conclusions will not prove to be accurate, that the assumptions are not correct and that the objectives, strategic goals and priorities will not be achieved. A variety of factors, including known and unknown risks, many of which are beyond our control, could cause actual results to differ materially from the forward-looking information contained in this press release, including, without limitation: the ability to the Company to comply with all applicable government regulations, including all applicable food safety laws and regulations; impacts on the Company’s business and operations due to the COVID-19 outbreak; limited operating history; the Company’s ability to access capital to meet its future financing needs; the Company’s dependence on management and key personnel; competition; changes in consumer trends; foreign currency fluctuations; and general economic, market or business conditions.

Other risk factors can also be found in the Company’s continuous disclosure documents which have been filed on SEDAR and can be viewed at www.sedar.com. Readers are cautioned to carefully consider these factors, as well as other factors, uncertainties and potential events, and not to place undue reliance on any forward-looking information. The forward-looking information contained herein is made as of the date of this press release and is based on the beliefs, estimates, expectations and opinions of management as of the date such forward-looking information is made. The Company undertakes no obligation to update or revise any forward-looking information, whether as a result of new information, estimates or opinions, future events or results or otherwise, or to explain any material differences between subsequent actual events and such forward-looking information, except as required by applicable law.

SOURCE PlantX Life Inc.

For further information: Alexandra Hoffman, Marketing Director, (323) 536-7973, [email protected]

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Does love survive law school?

The ABA Journal poses an appropriate holiday question this week: “Are you still with your sweetheart from law school?”

I find the term “law school lover” to be crude and vaguely unnatural. You don’t have any “darlings” in law school. You have people who will fuck you when you come back from the library in sweatpants, people who will save you a slice of pizza because you always forget to eat at your clinic, and people you can sleep with after school. exams who will win I don’t mind you actually just want to sleep.

(And the people who will give you crafts at school. Or maybe even more, as long as you ask politely.)

But really, the issue presented isn’t about the sad “I’m too busy to put on heels to get fucked” settlement negotiations that mark the start of most law school relationships. Instead, they ask if these couplings have legs once people come out into the real world….

Even though my wife and I went to law school together, we didn’t meet in faculty of Law. We met in college. I think it is important. We met when we were young and had hopes and dreams. We met before law school taught us to “think like lawyers,” so we still have a method of communication that doesn’t turn into a battle of forms.

Meeting your spouse in law school is a bit like meeting your spouse in a theater of war and then assuming everything will work out when you get back to the home front. You’ll both have scars that only the other person will understand, but you’ll keep looking around and thinking, “Wow, now that I’m home, I remember there’s all these people without scars.

And by “scars”, I clearly mean debt. The combined debt my wife and I had when we graduated from law school… I don’t even like to talk about it. My colleague Staci Zaretsky met her fiancé in law school; their debt is equally odious. Staying with your law school sweetheart often also means starting your married life in a hole so deep that Batman couldn’t get out.

So you’re going to have to pay it, but who’s going to do it? I used to joke with my wife that we were in a “race” to see who would quit first. The loser has to pay our bills for life. She doesn’t think it’s that funny, and Above the Law readers think I’m kind of a deadbeat, but a lot of people in law school-based relationships have that kind of division of labor. One person must work at Biglaw for the rest of their life, the other must move on and have a fulfilling career. Not all relationships can handle the “one of us is free while the other is chained” dichotomy.

But God forbid both try to make as much money as possible in Biglaw. It’s not a wedding. You don’t even have to buy a queen-size bed for this, since you’ll never really sleep at the same time. And when you both want to continue your efforts towards a partnership after having children… then you have to agree on the highly paid wolves who will raise your children.

The good thing about hanging on to someone while you’re in law school and never letting go is that you’ll probably become even less desirable after you become a lawyer, so might as well strike while the iron is warm. Women are getting this message from every media source on the planet. Men think they’ll grow old like George Clooney in Michael Clayton…but you’ll be shocked at how depressing it is to try to pulling ass during document review.

Sorry, I know I’m supposed to be sunnier and rainbowier as Valentine’s Day approaches. Maybe you’re Elle Woods and he’s Luke Wilson and if I met you, I’d resist throwing heart candy at you with an uzi.

So, of course, tell us the gooey stories of love and happiness that started in law school.

Are you still with your love from law school? Or did the stress kill the relationship? [ABA Journal]

Earlier: Northwestern Law Student Emails Entire Law School Job Offer
Kids Today: Or Why You Should Always Log Out of a Public Computer

EOH revenue is down – but the technology services group has generated higher quality revenue

a man wearing a suit and tie

© Copyright (c) Daily Maverick, All Rights Reserved

EOH says it has made progress in bringing the technology services group back to sustainability after divesting non-core assets, exiting underperforming operations and reducing debt. While this also reduced revenue, it says it generated higher quality revenue for the six months to the end of January.

CEO Stephen Van Coller, who took over in 2018, says the group has cut costs significantly over the past year. He’s also confident that it finally got the legacy issues he inherited under control. However, it did not count on Covid-19, which dampened the recovery as customers delayed spending on large planned IT projects, particularly in the hardware space.

Five of the eight problematic public sector contracts have been settled, one transferred to a contractor with a settlement currently in arbitration, another concluded at the end of April and one which was terminated with transfer discussions ongoing. It expects to close the contracts by the end of its fiscal year in July.

Following an overcharge that was uncovered during a forensic investigation by law firm ENSafrica, which reported suspicious transactions worth R1.2 billion, EOH said it s had settled with the Special Investigative Unit (SIU) on Department of Defense contracts and had begun reimbursement.

Final negotiations with the SIU over the water and sanitation department contracts were underway and he expected settlement to come later this year, ending the overcharging issues.

As Covid-19 continued to negatively affect the South African economy, EOH said the increased push towards digital adoption and transformation has resulted in new areas of growth for the company in digital industries, automation and cloud space.

“The local and global economy remains constrained as we have seen the negative impact on some of our customers. However, we have also seen an increase in cloud adoption and automation and application development spending in accordance to global trends since the start of the pandemic,” Van Coller said.

“Over the coming months, we will focus on deleveraging, improving margins and preserving fragility.”

Since the start of the year, EOH said it had repaid its lenders an additional R433 million, mostly from the disposal proceeds. Since July 2018, it has halved its legacy debt to around R2 billion and plans to reduce it further after the sale of its two largest IP businesses: Sybrin and Information Services.

He said he expected to complete the divestitures by the end of December, significantly relieving the heavy legacy debt he was carrying.

Total group revenue for the six months fell 29% to R4.38 billion, mainly due to divestitures and legacy contracts. It generated a positive operating profit of R59 million, compared to an operating loss of R915 million in the prior period.

Costs were reduced as it reduced properties occupied by its businesses and reduced its workforce by an additional 1,566 people due to asset sales and non-renewal contracts.

It paid R58m less interest after cutting debt and its overall loss improved by 83% to 60c per share. Cash remained stable with a cash balance of R440 million at the end of March.

Despite the improvements, it remained cautious in its outlook due to the possibility of third and fourth waves of Covid-19, with tighter national lockdown restrictions likely to see customers continue to exercise caution when considering travel. spend.

“Over the past two years, the management team has prioritized consolidating the group’s legal entity structures, optimizing the business through non-core divestitures, repaying inherited debt and to refinancing,” Van Coller said.

“Significant progress has been made on these initiatives and the group expects it will have the optimal structure and business model in place to begin executing its growth plans.” DM/BM

Musk’s tweet knocks $14 billion off Tesla’s market value

Elon Musk tweeted a complaint about Tesla’s stock price that wiped $14 billion off the company’s market value on Friday morning.

The seven-word tweet was the latest controversial outburst from the chief executive, whose Twitter musings have already got him into hot water.

An incorrect claim in mid-2018 that he was close to redemption of Tesla led to a U.S. Securities and Exchange Commission complaint and settlement that involved Mr. Musk agreeing not to post market-moving tweets in the future without first approving them with the service legal of his company.*

Tesla did not immediately confirm whether Mr. Musk’s tweet had received legal clearance and did not respond to questions about whether the company currently has a general counsel. Tesla lost three general counsel last year, one of whom resigned after just two months.

The Tesla boss, who has 33 million Twitter followers, delivered its dry verdict on his company’s stock early in the morning in California on Friday, writing, “Tesla stock price is too high in my opinion.”

Within moments, Tesla’s stock price began to decline, falling 10% within an hour before recovering slightly. The sharp move comes in what has been an extremely volatile time for Tesla shares. They fell more than 60% after the coronavirus hit, but then rebounded 120%.

In his 2018 settlement with regulators, Mr. Musk resigned as Tesla chairman for three years. He also agreed to obtain prior approval from Tesla’s attorneys for any “corporate-related communications made in any format, including, but not limited to, social media posts (for Twitter example)”.

The Twitter-induced stock price drop marks an ironic twist in Mr. Musk’s ongoing battle with short sellers, many of whom have used the service to complain that Tesla shares are artificially inflated. The day before, short seller David Einhorn took to Twitter to question some of the accounting that underpinned the company’s latest strong results, prolonging a personal feud with the Tesla boss that has been going on for decades. month.

*This story has been edited to reflect that the Securities and Exchange Commission has filed a complaint against Mr. Musk

U.S. Supreme Court Limits Definition of ATDS Under TCPA

On April 1, 2021, the United States Supreme Court answered the question of what type of dialing equipment qualifies as an “Automatic Telephone Dialing System” (ATDS) under consumer protection law. (TCPA), finally ending years of litigation stemming from differing interpretations of the term. In Facebook, Inc. v. Duguidthe Court held that “Congress’s definition of an automatic dialer requires that in all cases, whether storing or generating numbers to be dialed, the equipment in question must use a random number generator or sequential”.1 Thus, a technology that merely places calls from a pre-existing database of customer numbers is not an ATDS. The Court’s decision is a major victory for business entities that rely on dialer technology to reach existing customers regarding their accounts.

The Court had granted certiorari to resolve the split between the Federal Circuit Courts of Appeals that had interpreted the meaning of the term ATDS. In Duguid, the U.S. 9th Circuit Court of Appeals has adhered to a broad definition of ATDS, but other recent appellate court decisions have interpreted the term narrowly. In its ruling, the Court rejected the TCPA’s 9th Circuit reading and adopted a narrow interpretation.

The Court began its analysis by examining the plain language of the TCPA.2 The law specifies that an ATDS is “equipment that has the capacity to store or produce telephone numbers to be called, using a random or sequential number generator; and dial these numbers.3 The Court noted that “[u]According to conventional rules of grammar, when there is a single, parallel construction that involves all the nouns or verbs in a series, a modifier at the end of the list normally applies to the entire series.4 Applying this canon of interpretation requires “qualifying the two antecedent verbs, ‘store’ and ‘produce’, with the phrase ‘using a random or sequential number generator'”.5 Thus, the Court held that a numbering system cannot constitute an ATDS if it lacks the capability either (1) to store telephone numbers to be called using a random number generator or sequential numbers or (2) generate telephone numbers to be called using a random or sequential number generator. sequential number generator.6 This decision is consistent with the decisions of the 3rd, 7th and 11th Circuit Courts of Appeals of the United States.7 The decision rejected the general view of the United States 2nd, 6th, and 9th Circuit Courts of Appeals that to constitute an ATDS, a numbering system only needs the ability to “remember numbers to call” and “automatically dial these numbers”.8

Rejecting a broad interpretation of the ATDS, the Court noted that “Duguid’s interpretation of an automatic dialer would encompass virtually all modern cell phones, which have the ability to ‘store… telephone numbers to be called ‘ and ‘dial these numbers'”.9 “The TCPA’s liability provisions could therefore affect owners of ordinary cell phones in the course of common use, such as speed dialing or sending automated SMS responses.”ten It “would take a chainsaw for these nuanced issues when Congress wanted to use a scalpel.”11 The Court concluded by rejecting all of Duguid’s other arguments. In particular, the Court did not give credence to the suggestion that Congress intended to use the TCPA to “restrict nuisance calls” generally.12 The Court said that “Duguid’s feud is with Congress, which has not defined an autodialer as malleably as it would have liked. … This Court must interpret what Congress has written, that “the use of a random or sequential number generator” alters both “store” and “produce.” ID.

The Court’s decision will likely benefit business entities that rely on the use of dialer technologies to reach their customers using a customer-provided database of numbers. At the same time, the ATDS provision and other TCPA provisions that restrict the ability to make certain types of calls under certain circumstances remain in effect and warrant careful analysis for compliance purposes.

1 Facebook, Inc. v. Duguid, no. 19-511 (2021).

2 Duguid, op. at 5.

3 47 USC § 227(a)(1).

4 Duguid, op. at 5.

5 ID.

6 ID. at 7 O’clock.

7 To see Gadelhak v AT&T Servs., Inc., 950 F.3d 458, 464, 469 (7th Cir. 2020) (Coney Barrett, J.); Glasser v. Hilton Grand Vacations Co., 948 F.3d 1301, 1310 (11th Cir. 2020); Dominguez c. Yahoo, Inc., 894 F.3d 116, 119-21 (3d Cir. 2018).

8 To see Allen c. Pa. Higher Educ. Assistance Agency, 968 F.3d 567, 574 (6th Cir. 2020); Duran v La Boom Disco, Inc., 955 F.3d 279, 283-84 (2d Cir. 2020); Marks c. Crunch San Diego, LLC, 904 F.3d 1041, 1052-53 (9th Cir. 2018).

9 Duguid, op. at 8.

ten ID.

11 ID.

12 ID. at 12.

Elsztain risks losing IDB after investing NIS 3b

Time is running out for the IDB Group, and the company controlled by Eduardo Elsztain is on the verge of official insolvency. By the end of this month, IDB Development is due to pay NIS 169 million in principal and interest to holders of its Series 14 and 15 bonds, but it does not have the cash, due to Elsztain’s decision to delay cash injections and payments to the company.

Last week, Dolphin, through which Elsztain owns IDB, was to inject NIS 70 million into the company, under a commitment made last year. In addition, the IDB announced last month that, by the end of 2020, Dolphin was to transfer an additional NIS 18 million to it as interest on the vendor loan Dolphin received in order to acquire Discount Investment from the IDB.

These sums have not yet been transferred and, because of this, the IDB started the month of September with only 5 million shekels in cash. IDB has since managed to sell 3.5% of Clal Insurance for NIS 77 million, so it now has NIS 82 million in cash.

However, to meet its debt repayments at the end of September, liquidity injections are required from Elsztain which have not materialized. Last Thursday, the IDB said it had written to Dolphin and its parent company IRSA about the failed injection of the NIS 70 million and warned them of legal action. Elsztain, however, is unwilling to continue pumping liquidity into the IDB until bondholders agree to the debt settlement he has offered, which implies a huge discount for them.

Insolvency or postponement of the inevitable

Elsztain is now trapped, due to his previous involvement and the lack of confidence in him on the part of capital market investors, in the face of his failed attempts to improve IDB’s situation. If he decides not to inject the additional sums, IDB Development will be insolvent at the end of September, while if he submits to the bondholders and ends up injecting the cash, he will only postpone the disappearance of the company by three months.

Through Dolphin and IRSA, Elsztain has already invested the whopping sum of 3 billion shekels in Israel in his attempt to stabilize the IDB-Discount investment pyramid, and despite this, as mentioned, he is about to to lose control of it, just like Nochi Dankner, his predecessor. IDB holds four assets held for sale (100% of Israir, 25.8% of IDBG, a stake in the Modiin Energy partnership and 5% of Clal Insurance), and another indirect stake that Elsztain wishes to retain: Control of Discounted Investment.

Discount Investment holds majority stakes in Property & Building, Cellcom, Mehadrin, Elron and Epsilon. Without it, Elsztain will have no substantial activity in Israel. But 70% of Discount Investment’s shares are mortgaged to Series 14 bondholders, and they are in no rush to accept the debt settlement proposal.

The IDB owes the series bondholders NIS 14,800 million. Elsztain offered them the early repayment of 320 million shekels and the postponement of the principal balance to 2023-2026. The IDB owes Series 15 bondholders, to whom 5% of Clal Insurance shares and NIS 77 million in cash are mortgaged, amounting to NIS 237 million.

Elsztain now offers Series 15 bondholders the repayment of the money they hold a lien on (after deducting bond interest) and the deferral of the principal balance to 2022 (NIS 45 million) and 2026 (NIS 188 million). million NIS). The Series 15 bondholders will hold a special meeting tomorrow to discuss Elsztain’s proposed settlement and the next steps available to them.

74% haircut for Series 9 bondholders

At present, however, the main opposition to Elsztain’s settlement proposal comes from holders of Series 9 debentures, to whom the IDB owes NIS 909 million. Elsztain is offering them the full buyout of the series for just NIS 240 million, a discount of NIS 670 million, or 74%.

At a consultation meeting held yesterday by the Series 9 bondholders, fierce opposition was expressed by the representative of the bondholders.

Elsztain has given holders of all three sets of bonds a fairly short deadline to indicate approval of its proposed settlement, until September 21, after which the proposal will expire. The IDB has a debt of NIS 2.03 billion to bondholders of the three series and, at the end of June, it had negative equity of NIS 1 billion and a negative net asset value of NIS 862 million. .

IDB could have been in a better situation in terms of cash flow if it had succeeded in selling the airline Israir. Sources tell “Globes” that during the coronavirus crisis, Elsztain received offers to buy Israir for 100 million shekels ($29 million), but he turned them down. According to IDB cash projections, it is asking more than NIS 119 million ($35 million) for the airline.

The IDB’s financial statements carry a going concern qualification from its auditors, and all of these factors will make it very difficult for Elsztain to persuade the court that the company is solvent, if the bondholders order the trustees to engage insolvency proceedings against it. Elsztain’s decision not to inject the promised money into the venture without bondholders agreeing to his proposal will likely spell the end of his huge investment in Israel.

Published by Globes, Israel business news – en.globes.co.il – September 7, 2020

© Copyright of Globes Publisher Itonut (1983) Ltd. 2020

KBC has been asking for repayment of its debt since 2009

KBC Bank’s efforts to secure debt repayment from Co Roscommon farmer Anthony McGann began as early as 2009, court records show.

The bank hired a security company to take possession of Mr McGann’s home, where he lived with his brother and sister, on December 11.

Last Sunday evening, a gang of men attacked the security guards who were in the house, forcing some of them to be hospitalized. A dog that was with the security men was killed.

Mr McGann’s siblings David and Geraldine have since reportedly moved back into the house, which is in Falsk townland near Strokestown.

High Court records show KBC brought an action against Michael Anthony McGann in July 2009 and a possession order was made in the case in 2013. The amount of the debt is not known but would exceed €300,000.

It appears that the 2013 possession order has not been enforced. It is understood that attempts by the bank to negotiate a solution have been unsuccessful. New affidavits were filed in the case over the following years. A renewal of the possession order was issued in June 2017. Mr McGann, who was legally represented, signed a new affidavit the following month and a possession order was issued in August of this year.

security men

It is understood that Mr McGann’s home was visited by a representative from the county sheriff’s office in September and he advised that he should vacate the property. On December 9, the house was called back and the occupants said they would take possession of the house two days later.

The court had told the bank it could take possession of the house at 1 p.m. on December 11 and on that date documents to that effect were served by a sheriff’s officer. The security guards present were hired by the bank.

The physical removal of the McGanns was caught on camera and the video posted on social media. Members of An Garda Síochána were present but did not interfere. It is understood that there were no cattle on the farm at the time.

The situation at Co Roscommon is highly unusual as most possession proceedings are carried out by arrangement.

Land registry records show that Mr McGann has a number of outstanding debts with various financial institutions dating back years. The writs registered against his Co Roscommon lands included one by a branch of the Bank of Ireland which is funding the purchase of Land Rover.

The Co Roscommon farmer, who reportedly farms around 100 acres, agreed to a settlement with Revenue Commissioners in 2015 for unpaid VAT, interest and penalties, the total being £429,501 €. It is not known from which sales this VAT invoice derives. Efforts to contact Mr. McGann were unsuccessful.

Eric Trump will comply with New York investigation, but only after the election

Two months after abruptly canceling a previous session, Eric Trump is now ready to be questioned under oath as part of an investigation by the New York Attorney General into the financing of his family business properties – but only after the presidential election.

In a court filing on Thursday, attorneys for the company, the Trump Organization, expressed Mr. Trump’s willingness to comply with the investigation by Attorney General Letitia James.

But while Mr Trump is ready to answer questions from lawyers in Ms James’s office, he does not want to do so until Election Day November 3, due to an “extreme travel schedule” and “to avoid the use of his testimony”. presence for political purposes,” the filing reads.

Mr. Trump – who, according to posts posted on Twitter, made campaign stops on behalf of his father, President Trump, in New Hampshire and Maine Thursday — offered four possible dates after the election to be interviewed, according to the filing.

“We respectfully submit that the proposed dates are reasonable,” wrote attorneys for the Trump Organization.

Ms James appeared unresponsive to Mr Trump’s latest offer of cooperation.

“We will not allow any entity or person to dictate how our investigation will proceed or allow anyone to escape a legal subpoena,” she said in a statement. “No one is above the law, period.”

Thursday’s filing came after Ms James, who is investigating whether the Trump Organization committed fraud by inflating its assets to obtain loans and tax advantages, asked a judge to order Mr. Trump to answer questions under oath and also compel the company to hand over documents.

Ms James, a Democrat, sought the order after Mr Trump, the company’s executive vice-chairman who now runs its day-to-day operations, pulled out of an interview with his office in July, and the company has said he and his attorneys allegedly failed to comply with seven subpoenas.

Last year, Ms James struck a deal with the president under which he admitted misusing money from a personal foundation to promote his campaign and pay off his business debt. His current investigation is one of many lawsuits he and his company face.

The Manhattan District Attorney’s Office suggested in court documents that it was investigating possible financial crimes and insurance fraud by the President and the Trump Organization, and fights in federal court to get his tax returns.

The president is also sued for defamation by writer E. Jean Carroll in a case that the Department of Justice, in an unusual move, recently decided to take over from its private attorneys.

Ms James’ investigation began last year after the president’s former personal attorney, Michael D. Cohen, told Congress that Mr. Trump had overstated the value of his assets in the financial statements when seeking loans from banks and understated them to reduce property taxes.

The investigation is focusing on a number of Trump properties, including several that came up during Mr. Cohen’s testimony to Congress. The Seven Springs Estate in Westchester County, NY, the Trump International Hotel and Tower in Chicago, 40 Wall Street in Lower Manhattan and the Trump National Golf Club, Los Angeles, were subject to subpoenas.

Court documents released last month suggested that the Trump Organization feared that Ms James’ investigation could be turned from a civil matter to a criminal one.

Two days before Eric Trump was due to answer questions under oath, the papers said, the company called off the session, his attorneys fearing the investigation would go “beyond the scope” of a civilian inquiry.

The attorney general’s office later assured the company that it had not referred the case to “another criminal law enforcement agency.”

But the documents showed that Ms. James was asking questions not only about the representations that Mr. Trump and his company had made to the banks, but also about how they had declared more than $ 120 million, mostly in canceled debt, to the local, state and federal tax authorities.

Eric Trump responded defiantly after Ms James asked the judge to compel his testimony, writing on Twitter that she was “pledged to bring down my father from the moment she ran for office” and called her actions “prosecutor misconduct.”

Her comments came hours after Ms James said on Twitter that the Trump Organization had “blocked, withheld documents and ordered witnesses, including Eric Trump, to refuse to answer questions under oath”.

The Trump Organization’s chief legal officer, Alan Garten, said in a statement last month that the company had done nothing wrong and had “tried to cooperate in good faith with the investigation at all times.” He also accused Ms James of ‘continued harassment of the company in the run up to the election’.

If Ms. James finds evidence of criminal offenses, she can refer the case to another law enforcement agency or ask Governor Andrew M. Cuomo of New York to authorize his office to open a criminal investigation.

A hearing in that case is scheduled for September 23.

Facebook to pay $650 million to settle class action lawsuit centered on Illinois privacy law

Facebook was ordered to pay 650 million dollars on Friday for violating an Illinois law designed to protect state residents from invasive privacy practices.

This law, the Biometric Information Privacy Act (BIPA), is a powerful state measure that has tripped up tech companies in recent years. The lawsuit against Facebook was first filed in 2015, alleging that Facebook’s practice of tagging people in photos using facial recognition without their consent violated state law.

Indeed, 1.6 million Illinois residents will receive at least $345 under the California federal court’s final settlement decision. The final figure is $100 million higher than the $550 million Facebook on offer in 2020, that a judge found insufficient. Facebook disabled facial recognition auto-tagging features in 2019making it opt-in instead and responding to some of the privacy criticisms echoed by the Illinois class action lawsuit.

A lawsuit group accused Microsoft, Google and Amazon of breaking the same law last year after the faces of Illinois residents were used to train their facial recognition systems without express consent.

Illinois privacy law has tangled some of the tech giants, but BIPA has even more potential to impact small businesses with questionable privacy practices. the Controversial facial recognition software company Clearview AI now faces its own BIPA-based class action lawsuit in the state after the company failed to dodge the lawsuit by pushing it out of state courts.

A $650 million settlement would be enough to crush any normal business, although Facebook could eliminate it much like it did with the FTC’s record $5 billion fine in 2019. But the Illinois law is not without teeth. For Clearview, it was enough to ensure that the company completely withdraw from business in the state.

The law may not punish a giant like Facebook in the same way, but it is one piece of a regulatory puzzle that has increasingly threatened the way tech data brokers have been doing business for years. While federal, state and legislative regulators are proposing aggressive measures to curb the technology, Illinois’ landmark law provides a compelling framework that other states could copy and paste. And while big tech thinks federal oversight will be a nightmare, a patchwork of aggressive state laws governing how tech companies do business state by state is an alternative regulatory future that may prove even less palatable.

Early stage is the premier “how to” event for entrepreneurs and start-up investors. You’ll hear first-hand how some of the most successful founders and VCs are building their businesses, raising funds, and managing their portfolios. We will cover all aspects of business creation: fundraising, recruitment, sales, legal, public relations, marketing and brand building. Each session also incorporates audience participation – there is ample time included in each for questions and audience discussion.

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Deutsche Bank Approved as Qualified Principal Dealer for China Open Market

Deutsche Bank has received approval from the People’s Bank of China (PBOC) to act as a qualified primary dealer for domestic companies in the open market as it continues to develop its role as one of the foreign banks most active in the country.

Deutsche Bank China becomes the first bank in the euro zone to obtain this qualification.

Together with the PBOC, it will conduct open market activities such as the redemption of treasury bills, financial bonds, spot bond trading, issuance of central bank bills and other instruments. of negotiation.

“This appointment to the PBOC recognizes the strength of Deutsche Bank’s candor in capital markets and reflects China’s determination to continue opening up its capital markets,” said Rose Zhu, Country Director of Deutsche Bank in China.

“The rapid development of the Chinese market offers vast opportunities for global participants and Deutsche Bank will continue to deepen the Chinese market, leverage its global network and apply best risk management practices to support continued openness and development. of the country’s capital markets.

Deutsche Bank is already a foreign bank active in the Chinese interbank market. She currently acts as a Market Maker in the Interbank Bond Market, Bond Settlement Agent and Bond Connect Market Maker.

Deutsche Bank is one of two foreign banks that qualify as Type A lead arranger for non-financial corporate debt instruments.

“As a leading European bank active in the domestic market and as one of the world’s leading RMB banks, achieving this qualification means that Deutsche Bank has the expertise and interbank license to fully serve RMB customers,” said Jason Shi, head of global markets for Deutsche Bank China.

“By further strengthening the level of RMB liquidity risk management, Deutsche Bank can effectively interpret monetary policy guidance for domestic and foreign customers and partners, support domestic capital market development, and accelerate the internationalization of RMB. .”

US Cannabis Prepares for M&A Ahead of Legal Changes

With the United States rapidly becoming the center of the cannabis investment universe, could the market see an increase in mergers and acquisitions (M&A) activity?

Multistate Operators (MSOs) have come a long way since their inception, and this year potential mergers and acquisitions among MSOs are getting more attention from a hungry investor base looking for exposure to the US market.

The Investing News Network (INN) spoke to a panel of experts about what MSOs’ appetite for MSOs could be and how this activity could affect the development of the US cannabis market.

Political talks reinvigorate investment rush for U.S. cannabis opportunities

The United States is in an awkward position when it comes to cannabis policy. Federally, the drug remains illegal through a Schedule I designation under the Controlled Substances Act.

However, a number of states have moved forward with legalization programs despite this hurdle, enabling the implementation of cannabis markets as a way to generate reliable tax revenue.

However, not all markets are the same. Some states opted to open medical distribution only, while others continued to offer recreational options after drug availability took over.

This is where cannabis MSOs come in. These companies have secured assets and licenses to serve US state markets, and they have gained investor support through public listings in Canada on the Canadian Securities Exchange (CSE) and the NEO Exchange. Unlike exchanges operated by Canada’s TMX Group (TSX:X), Toronto Stock Exchange (TSX) and TSX Venture Exchange (TSXV), the CSE and NEO allow MSOs to list even if cannabis remains federally illegal in the United States.

Although slowly but surely progressing, America’s state-by-state rollout has resulted in a fractured landscape for the entire US market. And while the current model has advantages, experts say it’s clear some sort of federal policy is needed.

With that in mind, the cannabis industry eagerly awaited Washington’s attention, and officials warmed to the idea of ​​engaging in cannabis politics at some level. Thanks to Joe Biden’s move to the White House, talks have begun to brew about the possibility of significant new federal cannabis policies emerging this year.

Whether or not that will happen remains unclear, and the current wait-and-see situation regarding a timeline for policy changes has left experts urging caution when it comes to MSOs.

Even so, Nawan Butt, portfolio manager at Purpose Investments, told INN he sees the biggest MSOs shifting from chasing profitability to chasing growth given the “imminent change they anticipate on a Federal Base” and the implications of these changes for the type of players entering cannabis.

Butt, who oversees the Purpose Marijuana Opportunities Fund (NEO:MJJ), highlighted the recent acquisitions of Bluma Wellness (CSE:BWEL.U,OTCQX:BMWLF) and Liberty Health Sciences (CSE:LHS,OTCQX:LHSIF) by Cresco Labs (CSE:CL,OTCQX:CRLBF) and Ayr Strategies (CSE:AYR.A,OTCQX:AYRWF), respectively, as proof of his theory.

“What the MSOs are basically trying to do is get ahead of the floodgates opening, because when some kind of federal decriminalization happens … everybody can kind of come and settle in space,” said he declared.

“Everyone” refers to large companies in the pharmaceutical, tobacco, and even alcohol industries with an interest in cannabis.

“(MSOs are) trying to get ahead of this very large swath of capital that could take away their competitive advantage,” Butt said. “They’re going full growth mode right now.”

The hunt is on, what types of assets will be targeted?

As investment interest shifts to the US market and its operators, what kinds of needs do these companies currently have?

According to Kacey Morrissey, senior director of industry analysis at New Frontier Data, US operator intentionality is also changing.

Morrisey said that at first MSOs competed for as many licenses or land facilities as possible, now strategic positioning has come into play.

Charles Taerk, president and CEO of Faircourt Asset Management, told INN that major differences between state markets have made MSOs more cautious in their M&A strategies as they expand into new markets.

Taerk, which runs the cannabis-rich Ninepoint Alternative Health Fund, said MSOs are considering states in which they don’t yet have assets. “They make an estimate of the relative strength of different state markets. Because not all states are the same,” he said.

Given the differences between state markets, said Taerk, who co-manages the Ninepoint Alternative Health Fund, MSOs need to consider different entry approaches.

He compared Pennsylvania and Texas – both states have medical cannabis programs, but the southern state lags behind in the number of patients available to purchase products.

“Pennsylvania has a very comprehensive list of authorized indications for medical cannabis and has nearly 450,000 patients,” he said. “That’s why you see a large concentration in a state like Pennsylvania compared to Texas.”

Operators must then consider state landscapes and potential future development, including the possibility of recreational sales becoming an option.

Taerk said he has noticed more and more MSOs adopting the M&A strategy of buying cannabis operators in a single state in order to increase their positions in a designated state. “Everyone is reaching out to get a foothold in these high-growth medical markets,” he told INN.

Morrissey added that the disruptions may lead to changes in mergers and acquisitions opportunities. Due to the effects of the COVID-19 pandemic, she explained, cannabis operators were forced to urgently review their technology to develop solutions for consumers who could not travel to dispensaries. .

“We’re not only seeing the national market landscape change itself, but the types of operators and their strategies for operating in the changing landscape has been fascinating,” Morrissey said.

Could CPG agreements really be offered to American operators?

With the heightened attention to the potential for political change in the United States, a financial expert told INN there would certainly be investment deals or full mergers and acquisitions tied to a major consumer packaged goods company. (GIC).

These types of investments aren’t new to cannabis in general, but a US-based cannabis company gaining the backing of a CPG brand would require policy changes from the country.

According to Dan Ahrens, COO and portfolio manager at AdvisorShares, the MSOs on its radar are preparing for these potential policy changes.

“(MSOs) are anticipating these walls coming down… All of the MSOs I’ve spoken to are focused on execution right now,” he said. Ahrens manages the AdvisorShares Pure Cannabis ETF (ARCA:YOLO) and the recently launched AdvisorShares Pure US Cannabis ETF (ARCA:MSOS).

When asked what makes an MSO stand out in the eyes of a large company, Ahrens said it’s a fool’s game trying to predict the outcome of acquisition deals. like these.

“It also depends on what that company wants, there are companies that don’t want to be bought,” he said. “We know a lot of these conversations are happening.”

Takeaway for investors

The scales have quickly changed for US operators, and 2021 looks set to thrust them into the even stronger spotlight, both for investors and potential M&A partners.

Attention to the development of the US cannabis market, which at the moment means that MSOs are exclusively on the open market, will be the main focus of investors and experts.

Don’t forget to follow us @INN_Cannabis for real-time updates!

Securities Disclosure: I, Bryan McGovern, have no direct investment interests in any of the companies mentioned in this article.

Editorial Disclosure: The Investing News Network does not guarantee the accuracy or completeness of the information reported in the interviews it conducts. The opinions expressed in these interviews do not reflect the views of Investing News Network and do not constitute investment advice. All readers are encouraged to perform their own due diligence.

Obituary: Alice Marie Bitto (Delcorps)

October 11, 1993 ~ September 21, 2020

Alice Marie Bitto (Delcorps), 26, passed away peacefully at home surrounded by family and friends on September 21, 2020. She is finally free from the pain and suffering of the past few years. Alice was born in Green Bay on October 11, 1993 to Steve and Jeanette Delcorps. Soon after, her family moved to Sturgeon Bay where she spent most of her life. Alice was a bright and beautiful child who loved to ride around in her stroller and was her parents’ baby. She has always known how to pull on their sensitive cord. Alice grew up in her parents’ restaurant in Sturgeon Bay where she discovered her love for baking. Some of her favorite baked goods were: banana bread, Christmas cookies, cheesecake, and apple pie. Alice attended Southern Door School where she made many lifelong friendships. She has worked at Morning Glory restaurant as a baker/cook, at the Algoma Long Term Care Unit as an activity aide where she brightened up the lives of the elderly, as well as at Alorica as a than RSC until she got sick. Alice married the love of her life, Tyler Bitto, on June 21, 2014. They were high school sweethearts and shared many fond memories together. They also share two beautiful children together, Evangeline and Elijah. Being their mother was her most rewarding job and came naturally. The love she had for Tyler and his children was endless and will forever be held up as an example of devoted and selfless love. She is survived by her children: Evangeline and Elijah; Husband, Tyler; Parents, Steve and Jeanette; Siblings, Angie, Mike, Jay (Amanda); nieces, Emmy, Ella; Nephews, Tyler, Garret; Grandmother, Carol; In-laws, Aaron, Terri, Ally, Erin (Lukas), Jeff (Steph); Several great-aunts, great-uncles, aunts, uncles and cousins; Special Friends Forever, Amber, Sam, Kayla, Trevor, Marlene; second mom and dad, Lily and Rick Krueger; Incredible cats, Fluffy, Fefe, Chip, Dale, Frannie; and many others who loved him. She is predeceased by her grandfathers, Ray, Charlie; great-grandmother, Evangeline; Great-grandfather, Nora. A celebration of life will be held at the Brussels Community Center located at 1366 Junction Road, Brussels, WI 54204 on Saturday, October 3, 2020 from 12 p.m. to 5 p.m. The family asks in lieu of flowers, donations be made directly to the family for the support of their children and spouse during this difficult time. Special thanks to Heartland Hospice who worked diligently to make Alice’s wishes come true.

CLERA’s proposed antitrust legislation raises questions

The Sherman Act was passed in 1890. The Clayton Act in 1914. And they haven’t changed much since. Last month, Senator Amy Klobuchar, the new chair of the Senate Judiciary Committee’s Antitrust, Competition Policy, and Consumer Rights Subcommittee, proposed an overhaul of antitrust laws: CLERA, the Reform Act. enforcement of antitrust and competition laws. If passed, CLERA would be the most significant change to antitrust law in at least a generation. In particular, it would also pose significant new antitrust concerns for tech companies looking to engage in what have been standard mergers and acquisitions.

Mergers and Acquisitions

First, CLERA seeks to lower the threshold for determining whether a merger or acquisition is prohibited under Section 7 of the Clayton Act. Mergers that “create an appreciable risk of a substantial lessening of competition” would be prohibited. Under current law, the “substantial reduction” standard requires the government to establish that the transaction has a virtual certainty of causing future harm.

Second, CLERA would create a presumption of illegality for a wide range of transactions. In these cases, the companies involved in the transaction must proactively prove that their merger or acquisition will not harm competition. This provision shifts the burden of proof considerably away from the government.

Under CLERA, for example, any transaction that would lead to more than 50% market share would be presumed illegal. Additionally, the bill extends to transactions worth more than $5 billion or transactions involving a company worth more than $100 billion. Other transactions also captured would include:

Any acquisition that “would lead to a significant increase in market concentration”;

Third, the amendments would clarify that “monopsony” power is an integral part of the monopoly power explicitly enumerated in the current law, expanding the scope of the prohibitions.

In total, these changes would be dramatically restrict the types of transactions that could escape government scrutiny, as this would greatly increase the number of potentially regulated transactions and the government’s ability to block them.

Exclusionary conduct

CLERA also shifts the focus from consumer competition law to competitors. For example, the bill would amend Section 2 of the Clayton Act to prohibit “exclusive conduct.” This prohibition would prevent “dominant firms” from engaging in behavior that would “substantially disadvantage” a competitor or behavior that would discourage competition.

Again, the bill draws a clear line on alleged illegal activity. Any company holding more than 50% market share would have the burden of demonstrating that its behavior does not harm competition. And perhaps most importantly, CLERA would eliminate the current judicial requirement to define a relevant market. On the contrary, direct evidence proving actual or probable harm will be sufficient to create liability under all antitrust laws. Eliminating the relevant market definition will significantly reduce the government’s burden of proof in national antitrust cases and allow it to bring claims in a wide variety of areas.


Senator Klobuchar seeks to add significant civil penalties for violations of antitrust laws. Currently, civil fines are capped at $100 million. CLERA removes the dollar cap and focuses on the offender’s earnings by allowing the greater of (1) 15% of the offender’s annual earnings, or (2) 30% of the offender’s earnings during the “period of conduct illegal”. The extent of civil penalties will be determined by considering various factors, including the existence of prior antitrust violations, long-term exclusionary activities and malicious intent.

Effect on technology

Lowering the standard to block mergers while expanding the prohibition to include monopsonies would dramatically change the playing field for mergers and acquisitions. Adoption of CLERA would provide additional ammunition for challengers seeking to sue recent Big Tech consolidation, as major players wield something akin to monopsony power in at least one market segment (e.g. Amazon on the e-book market). Although the bill would not apply retroactively to driving prior to passing, it would discourage other considerations in the future.

By reducing the types of mergers and acquisitions that can go through the government approval process and adopting new evidentiary standards, the Klobuchar legislation will present substantial risk to tech companies that engage in these types of deals. A newly defined judicial standard would require years of litigation in the court system to flesh out, at substantial cost to the parties whose merger or acquisition is challenged.

Passage potential and next steps

As noted, some similar changes were proposed by the House Antitrust Subcommittee last year, and several House Republicans spoke out in favor of, among other things, anti-competition presumptions and increased enforcement. But it should be noted that no Republican signed on as a co-sponsor of his bill prior to its introduction. Additionally, ranking member Sen. Mike Lee (R-UT) criticized the bill, saying regulators should apply the law as is without making major changes. Neither of these facts bodes well for the prospects of CLERA, at least in its current form. But it’s likely the committee will schedule a hearing in the near future, which could provide additional insight into this administration’s antitrust priorities.

© 2022 Proskauer Rose LLP. National Law Review, Volume XI, Number 60

A Woman Without Compromise – The New York Times

“We consider her one of our own,” said Linda Thomas-Greenfield, the US ambassador to Liberia, describing Sirleaf’s appeal to Western diplomats and aid givers. Thomas-Greenfield, an African American who came to Liberia as a doctoral student studying rice production in the late 1970s, and who then heard of Sirleaf, stressed the importance of the fact that Sirleaf worked, during his exile, as a senior UN official. and as vice president of Citicorp in Nairobi in charge of the bank’s African operations. Sirleaf, she says, straddles the worlds with agility. The president is able to speak to Liberian voters in ways that disarm mistrust of her “book” learning; she managed to work with old political enemies now in the Liberian legislature; and the ambassador said, “She speaks our language.” We know, with her, that good governance and corruption are taken seriously. She is extremely popular. We know our money is well spent. And then there’s the fact that she’s a woman — the first. We don’t want to see it fail.

Thomas-Greenfield described Sirleaf’s lobbying style: “I wouldn’t call her charismatic. It’s more that she’s very serious, very focused. Down to the smallest detail. It was easy to imagine, given Sirleaf’s focus on the fence amidst all that’s wrong after a war that sparked widespread rapes and the conscription of child soldiers, possibly as young as 7. , some of them forced to kill their own parents. “She’s bringing this country out of darkness into light,” Thomas-Greenfield said.

However, not all Liberians are so enthusiastic. Many recognize Sirleaf’s privileged status among international benefactors – and Liberians tend to be keenly aware of the importance of foreign benevolence. But Sirleaf has been in office for four years now, and there is a level of impatience with his leadership that I did not hear on my last trip to Liberia a year ago. She may still be loved by some as ‘Mama Ellen’ and she is likely to win another term, but many Liberians are unhappy to continue to rely on vigilante packs to protect them, as the police – whose starting salary is just over $4.50 a day – are inefficient and relentlessly corrupt and the courts too slow to count. The ups and downs of bureaucrats continue to demand bribes and siphon off public funds in a way that has long deprived the country of its infrastructure and weakened the economy. “We can’t root it out, not yet,” Sirleaf told me, clenching her fists in frustration at the country’s deep corruption. She spoke of being torn between firing every offending civil servant and keeping enough ministers and staff in their desks that the government can continue to function no matter how compromised it is. And meanwhile, unemployment in the country, whose population moved heavily to Monrovia during the war, stands at 85% by some estimates. Instilling faith that Liberia’s economic wasteland can be redeemed, however gradually, may be the only way to ensure lasting peace, especially with UN troops expected to begin withdrawing after elections this year. next. On the radio, Sirleaf has emphasized progressively. “Please, I’m no magician,” she said, letting a plea seep into her lecture. “I can’t just wave a magic wand.”

The president has a fair, reddish-brown complexion; skin that serves as a particular reminder of one cause of his country’s implosion. Liberia was founded – as a coastal colony in 1822 and as Africa’s first republic in 1847 – by free black Americans, and the settler class that developed did everything possible to reproduce the society American from which she had moved away. The men wore top hats and tailcoats; women, bonnets and bustles. The republic designed its flag after the stars and stripes of the United States, named its capital after US President James Monroe, and subjugated the tribes within its borders in a way that sometimes resembled to pure and simple slavery.

It wasn’t until 1980 that Liberia had its first indigenous leader, Samuel Doe, an army sergeant whose coup can be understood as a wave of long-suppressed rage. He disembowelled the president, then executed 13 government ministers in front of a crowd of hundreds on the beach in Monrovia. Today, the divide between the peoples Liberians call “indigenous” and those called “American-Liberians” continues to plague the nation. And Sirleaf, whose complexion is fairer than any Liberian, has frequently and emphatically pointed out that her color is misleading, that she in fact has no Americo-Liberian blood, that she does not belong to the racial elite whose historical greed and oppression is pointed to by some as the root of Liberia’s brutal collapse.

Sirleaf’s complexion and her privileged childhood make for a complicated story. She is the granddaughter, on her father’s side, of a prominent rural chief and one of his eight wives, and on her mother’s side, of a German merchant and tradesman who was soon banished of Liberia, along with all Germans, as Liberia proclaimed its loyalty to the United States at the outbreak of World War I. It’s German lineage that lightens Sirleaf’s skin, but the access to education and power that elevated her youth stems from a Liberian tradition known as the ward system.

Since the early years of the republic, the poor have often sent their sons and daughters to live with the better-off, to serve them in exchange for the promise of schooling and the hope of other opportunities. In this way, the native children cleaned the houses and cooked the meals for the settler class. They belonged, more or less, to their custodial families, like something between slaves and adopted children; they were usually given the surname of their caretakers. Over the generations, tradition has not eradicated distinctions of blood and status – the schooling provided may be meager and the chances of advancement minimal – but it has blurred the boundaries. And in Sirleaf’s case, it eliminated them. Sent from his remote village in Monrovia as a ward, his father was treated relatively well, according to Sirleaf, because his father, as a chief, had made the acquaintance of the president of the nation. His father apprenticed with a barrister, then practiced as a lawyer and, before a stroke crippled him in his 40s, he became the first indigenous man elected to the Liberian House of Representatives. Sirleaf’s mother, after a cruel stint with her first settler family, was claimed by another caretaker and raised generously – in part because of her nearly white skin.

2020 lawsuits that ended in costly settlements

As many of us will be happy to see 2020 return, we’ve started to shop around and look back at everything the past year has taught us. From the legal industry embracing more technology to enable remote working during lockdown, to the increased cybersecurity risks that come with it, lawyers around the world have been on an unexpected journey.

We’ve seen abortion rights challenged, Trump’s financial records under scrutiny, and LGBTQ+ rights moving closer to equality, with LGBTQ+ employees protected from workplace discrimination across the country under federal civil rights laws. Much progression, and admittedly digression in some cases, has occurred in 2020.

Apple Class Action

Starting our annual roundup is a class action lawsuit that was launched in 2017 against Apple, where they were accused of deliberately slowing down older iPhone models by tweaking their operating systems, in order to encourage users to buy newer products.

After lengthy litigation, Apple agreed to pay $113 million in compensation. Apple acknowledged its update reduced power requests after researchers discovered unusual slowdowns in 2017, but denied the wrongdoing was for profit and settled the national case to avoid the charges and litigation costs, according to court documents.

That’s not the only case Apple has seen this year. They were also ordered to pay VirnetX $502.8 million in royalties for VPN On Demand, a feature that allows iOS users to access a VPN connection, Bloomberg reported. The jury ruled that Apple owed VirnetX for patent infringement in an ongoing legal battle that spanned 10 years. The dispute began in 2010, when VirnetX accused Apple’s FaceTime feature of infringing VirnetX’s patents.[1].

Marriott Data Breach

Be one of the top five GDPR fines to date[2]the ICO had a fine Marriott International Inc. £18.4million for failing to protect the personal data of millions of customers, after the company exposed itself to cyberattack following the acquisition of the Starwood hotel group. The attack, which happened in 2014 from an unknown source, went undetected until September 2018, when Starwood was acquired by Marriott. The breach gave the attacker access to names, email addresses, phone numbers, unencrypted passport numbers, arrival/departure information, customers’ VIP status, and loyalty program membership numbers. clients.[3]. The ICO concluded that Marriott failed to perform sufficient post-acquisition due diligence and should have implemented appropriate security measures. Marriott – which initially faced a huge £99million fine – said it deeply regretted the incident. They chose not to appeal the decision.

Facebook’s expensive facial recognition

Earlier this year, Facebook was ordered to pay $550 million to settle a class action lawsuit over privacy violations. The case stemmed from Facebook’s photo tagging service, Tag Suggestions, which uses facial recognition software to suggest people’s names in users’ photos. The lawsuit said Facebook violated an Illinois biometric privacy law by harvesting facial data for tag suggestions from the photos of millions of users in the state without their permission, without telling them how many. time the data would be retained.[4]. Facebook said the allegations had no basis. The members of the group – Facebook users from Illinois from mid-2011 to mid-2015 – expected around $200 each[5].

This isn’t the only settlement Facebook has seen. In May, Facebook agreed to pay current and former moderators $52 million to compensate them for mental health issues developed at work, in a landmark case that recognized the toll content moderation takes on its workforce. work.[6].

Volkswagen Emissions Class Action

Volkswagen had agreed to settle with plaintiffs participating in a class action lawsuit brought by German consumer group VZBV over the automaker’s mounting of diesel emissions tests. Volkswagen had to pay a total of 620 million[7] (the exact amount per applicant depends on the age and model of their car). The company had set aside 830 million to cover the costs of settlements with all participants involved in the VZBV class action lawsuit.

Purdue Pharma Opioid Regulations

The opioid crisis in the United States continues and earlier this year painkiller maker OxyContin reached an $8.3 billion settlement, agreeing to plead guilty to criminal charges. As part of the deal, the company will admit to misleading the Drug Enforcement Agency (DEA) into tampering with its drug diversion program by reporting misleading information to the agency in order to increase Purdue’s manufacturing quota. Purdue Pharma – which does not have enough money to cover the settlement – will have to make an upfront payment of $225 million to the US government, with the company eventually having to pay a total sum of $2 billion. The company will also face a $3.54 billion criminal fine and an additional $2.8 billion in damages to resolve its civil liability.[8].

Robodebt’s big mistake

The Robodebt program, formerly Online Compliance Intervention (OCI), was an automated debt collection method used by Services Australia as part of its Centrelink payment compliance program, which involved an automated system matching data from multiple government departments.

It was declared illegal by the Federal Court due to his weak human oversight, countless people have been given large debts for money they didn’t actually owe. The scheme was suspended in February and a class action lawsuit by law firm Gordon Legal was launched seeking compensation for victims of unjust debts. The case settled for more than A$1.2 billion[9]which caused Prime Minister Scott Morrison to apologize for any harm, harm or hardship caused by the scheme.

[1] https://www.macrumors.com/2020/10/30/apple-virnetx-503-million-patent-infringement/

[2] https://dataprivacymanager.net/5-biggest-gdpr-fines-so-far-2020/

[3] https://www.lexology.com/library/detail.aspx?g=b7444202-6ee7-41e7-99ff-c67ab1a650cf

[4] https://www.nytimes.com/2020/01/29/technology/facebook-privacy-lawsuit-earnings.html

[5] https://techcrunch.com/2020/01/29/facebook-will-pay-550-million-to-settle-class-action-lawsuit-over-privacy-violations/

[6] https://www.theverge.com/2020/5/12/21255870/facebook-content-moderator-settlement-scola-ptsd-mental-health

[7] https://uk.Reuters.com/article/idUKKBN2220U7

[8] http://www.pharmafile.com/news/562241/purdue-pharma-pleads-guilty-opioid-charges-8bn-settlement-us-department-justice

[9] https://thenewdaily.com.au/news/2020/11/16/robodebt-class-action-settlement/

Thousands risk limbo as EU settlement deadline approaches

Charities and campaign groups have expressed growing concern over the number of European migrants who may be unaware of the need to apply to stay in Britain after a June deadline imposed under the post-Brexit immigration system from the country.

Although the Home Office said in December it had received 4.9 million applications for the UK’s established status scheme – 1.1 million more than the number expected in 2018 – campaigners have said many more were unaware, risking depriving thousands of eligible people of their rights to live, work and claim benefits in Britain.

Mags Brady: ‘In our experience we’re very concerned and worried that we won’t reach everyone’

“From our experience we are very worried and worried that we are not reaching everyone,” said Mags Brady, chief executive of PBIC, a charity in Bedford, north London, which helps migrants from Europe. from the East to solve problems such as learning English. and employment rights as well as applying for EU settlement status.

Ms Brady added that each week PBIC found that an average of four people who contacted it about other issues were unaware of an imminent risk to their right to remain in the UK.

With the UK’s new post-Brexit immigration system coming into force on January 1, the EU Settlement Program is one of many adjustments Britain and the EU must make now that freedom of movement has come to an end with the UK joining the single market and customs union.

The settlement scheme offers citizens of the 27 EU member states plus Switzerland, Norway, Iceland and Liechtenstein the right to continue to live and work in the UK as they did when the country was part of the EU.

A poster on the London Underground in 2019 encourages people to apply for the EU settlement scheme © Adrian Dennis/AFP/Getty Images

Applicants who can prove they have lived for five years continuously in the UK are awarded settlement status, which gives them full access to rights such as unemployment benefits. Other applicants receive “prearranged status”, which grants less rights but should transition to established status after five years of continuous residency.

The Home Office, which runs the scheme, insists the scheme has been “a huge success”, but groups working on the issue fear that even those who are aware of the need to apply will find it difficult to apply. master the technology or gather the required evidence. Candidates have until June 30 to register.

Assessing the real number of European migrants who remain and risk being left in legal limbo after this date is all the more difficult in the absence of a central file. Before Brexit, people born in the EU were free to live and work in the UK without having to meet new requirements to earn at least £25,600 or have certain skills specified in the UK immigration system.

Kevin Foster, Minister for Future Borders and Immigration, last month praised the number of applications the Home Office had received so far for the settlement scheme, calling it “good news”.

But while Chai Patel, director of legal policy for the Joint Council for the Welfare of Immigrants, admitted the program had attracted more applications than expected, he warned: ‘All it has really proven is that the Home Office was way off base in the number of people they need to reach – and that’s not reassuring.

At the heart of the scheme’s success – and its potential problems – is the innovative technology the Home Office has developed to manage applications.

The program is based on a flexible online system that offers applicants the opportunity to use smart phones to scan their identity documents. The system searches government records for tax returns and other evidence of a person’s application for UK residency. The system has enabled the Home Office to make decisions on 4.3 million of the 4.9 million applications since the scheme opened in March 2019.

However, technology has also been a barrier for some candidates.

Joanna Karwecka: “The people we are in contact with do not have adequate internet access” © Charlie Bibby/FT

Joanna Karwecka, an immigration adviser working for the East European Resource Center in Hammersmith, west London, said applicants she helped often had no internet access. Like other support groups, the EERC was currently unable to offer in-person counseling due to coronavirus restrictions.

The EERC and PBIC are among 72 organizations across the UK which the Home Office has funded to support vulnerable people through the application process.

“The people we are in contact with do not have adequate internet access or a mobile phone [phone] with cameras,” Ms. Karwecka said. “These people are waiting for us to open the office so they can come see us because they can’t go through that very basic first step.”

It is particularly concerning that the most recent statistics showed fewer than 600,000 applications under the age of 18, compared to previous estimates that there were around 900,000 eligible children living in the UK.

Marianne Lagrue: ‘Families who are engaged and who are there are easy to find and families who are not’

Marianne Lagrue, policy officer at Coram Children’s Legal Centre, a London-based charity which has also received funding from the Home Office, said proof of the right to remain in the UK could be particularly difficult to find for children placed with local authorities or foster families. Language barriers and other issues also made some families particularly difficult to reach.

“It’s exactly the same issue as with any other statutory commitment,” Ms. Lagrue said. “Families who are engaged and attending are easy to find and families who aren’t aren’t.”

Social workers also pointed to many other groups – including older people who may have lived in the UK for decades and agricultural workers living on farms – also hard to reach with the Home Office message.

The Home Office has insisted it will take a ‘pragmatic and flexible approach’ to assessing any circumstances that cause someone to miss the June 30 deadline – and will treat a child as having a reasonable excuse for missing it if a parent failed to apply on their behalf.

Yet the lack of firm guarantees continues to worry many migrant aid organizations. Bill Tidnam, Managing Director of Thames Reach, a charity for the homeless which also received funding from the Home Office, pointed out that its clients, by the nature of their lives, did not have easy access to the information required for applications.

Software Development Engineer in Test – Beyond Finance

About Beyond Finance

Beyond Finance is an exciting next-generation FinTech company headquartered in Houston, TX, with additional offices in San Diego, Chicago and Beverly, MA. We provide easy-to-use and accessible financial products that aim to improve people’s lives. As the consumer debt market continues to grow in the United States, we have made it our goal to create a transparent and fair debt management service tailored to the consumer’s individual situation.

Our management team has extensive experience and expertise in the financial services and debt management market. We are reinventing the market by investing in innovative technologies to better serve our customers. Our workforce is a community of famous and diverse backgrounds working towards the common goal of developing something transformational for the debt settlement industry.

Hiring during the pandemic

Beyond Finance is committed to employee health and safety. We have developed and implemented a plan to conduct remote interviews and onboarding. While we would love to return to the office one day, we are committed to doing so in a safe and responsible manner to minimize risk to our employees and their families.

About the role

We are building a new technology team to rebuild, relaunch and scale our consumer-facing web applications from the ground up with modern agile best practices and fully automated CI/CD pipelines. You must be results-oriented and able to thrive in a fast-paced, dynamic environment.

what you will do

  • Coach other team members on testing and automation strategies
  • Collaborate with product management to find and close gaps in requirements and create test plans
  • Work closely with software engineers and frontend engineers to deliver new features
  • Read and understand code changes to test all areas of web applications that have changed
  • Create and maintain feature tests, ensuring full code coverage
  • Investigate and resolve complex bugs in unknown code

What we are looking for

  • 5+ years of web application testing experience
  • Ability to set up and maintain a local Ruby on Rails environment
  • Good understanding of RSpec, Capybara and Selenium WebDriver
  • Bonus points for experience using BrowserStack and/or Wraith
  • Ability to independently prioritize and deliver stories, communicate bugs and risks
  • Ability to write complex SQL queries to validate data changes or troubleshoot issues

Why join us?

We are looking for great people to join our fast-paced, growing and innovative company and make a positive impact.

We offer:

  • Unlimited PTO
  • 401k with company match
  • Benefits for health, dental, vision and commuting

Most importantly, our team spirit and culture is what really sets us apart as a company. We’re a world-class fintech company that loves what we do…and we have fun doing it!

Pursuant to the California Consumer Privacy Act (“CCPA”), Beyond Finance notifies California residents who are our applicants for employment, contractors or prospective employees (collectively “Employment Applicants”) of the categories of personal information we collect about you and the purposes for which we will use that information. This Notice and our Privacy Policy contain important information relating to the CCPA and apply only to personal information submitted to the CCPA. Please see our website for the full CCPA statement.

Read the full job description

GET RED BULL FREE! Energy drink company pays customers in $13 million class action lawsuit

For more than two decades, Red Bull has used the slogan “Red Bull gives you wings”, although, according to some disappointed customers, this is simply not true. And if you’ve bought a Red Bull in the past 12 years, you’re entitled to a cash settlement.

March 2 is the last day to claim your money. You can do this by registering here.

According to industry publication BevNET, the energy drink company agreed last year to pay $13,000,000 to settle the US class action lawsuit that accused the energy drink company of false and misleading advertising claims.

Plaintiff Benjamin Careathers claimed he had been drinking Red Bull since 2002 before filing a lawsuit in 2013 in US District Court for the Southern District of New York. Careathers argued that Red Bull had misled him and consumers about product excellence with the slogan “Red Bull gives you wings” and claims of increased performance, focus and reaction speed .

“Such misleading conduct and practices mean that (Red Bull’s) advertising and marketing is not just ‘inflated’, but rather deceptive and fraudulent and therefore subject to action,” the lawsuit argued.

The settlement may include the millions of people who have purchased at least one Red Bull can over the past 12 years. Red Bull offered band members the option to choose either a $10 refund or $15 worth of Red Bull products.

That’s right. If you bought a Red Bull between January 1, 2002 and October 3, 2014, Red Bull wants to make things right. All you have to do is register before the deadline and you’re on your way to buying cash or liquid sugar, take your pick. No proof of purchase required.

There is a catch: if too many people apply, Red Bull has the right to reduce the amount each customer receivesalthough we don’t know if they do so before the deadline.

In correspondence with BevNET, Red Bull released a statement:

“Red Bull has settled the lawsuit to avoid the cost and distraction of litigation. However, Red Bull maintains that its marketing and labeling have always been truthful and accurate, and denies any wrongdoing or liability.”

Despite denials of any wrongdoing, Red Bull has withdrawn and revised certain marketing claims that have been challenged in court, according to BevNET.

Did Red Bull fail to “give you wings?” Will you collect payment? Let us know in the comments below.

Copyright © 2022 WLS-TV. All rights reserved.

Reno to settle Goldman Sachs lawsuit for $750,000

The city of Reno is set to settle its years-long lawsuit against Goldman Sachs, which it accused of misleading the city into risky debt that nearly drove the city into insolvency. .

Under the terms of the deal, however, the city will get only a small fraction of the $13 million it was asking for in reimbursement for the penalties and exorbitant interest rates it had to pay when the market for securities at auction collapsed in 2008.

On Dec. 7, the Reno City Council will vote on whether to approve the settlement, which includes a $750,000 payment from Goldman Sachs. Other than payment, the details of the deal remain confidential.

“We haven’t finalized anything yet,” said Joe Peiffer, a New Orleans-based attorney the city hired for the litigation. “We’re almost there. It’s confidential so I can’t say much other than, I think the games have been settled to everyone’s satisfaction.”

Peiffer worked for the city in an emergency, so a portion of the settlement funds will go to his law firm. The exact amount was not available Wednesday.

Robert Chisel, Reno’s chief financial officer, acknowledged that the city was unable to recoup all of its losses through the settlement, but added that it was more than the city would get if it lost in court.

“If you look at some of these other cases that have been there, they don’t usually win these days,” he said.

At stake is $210 million in bonds the city issued in 2005 and 2006 to refinance debt from the downtown train trench and event center. According to the city’s lawsuit, Goldman Sachs did not disclose the serious risk in the volatile auction securities market, or that the bank was artificially supporting the market by driving down interest rates.

Reno leaders — former city manager Charles McNeely and former mayor Bob Cashell — were lured by the idea of ​​low interest rates, even taking an additional $20 million for “downtown projects” , just like a homeowner might buy a boat by borrowing against the equity in their home.

But when financial markets crashed in 2008 and banks stopped bidding on auction rates, rates soared. This earned Reno a 15% interest rate on the debt, as well as millions in penalties owed to Goldman Sachs.

A review of city financial records shows payments to Goldman Sachs more than doubled from $2.6 million to $7 million between 2012 and 2013.

In 2008, Reno rushed to refinance the debt. The majority is now held by Bank of New York. Reno still owes Goldman Sachs $47 million. This link, however, is on hold until 2018.

The bonds are paid for through an 1/8 cent sales tax, which currently does not generate enough revenue for the city to make payments to the Bank of New York and Goldman Sachs. Because these are tax liabilities, however, the city’s general fund is not responsible for the payments.

Do you have unpaid taxes? If so, you need to know how to manage privileges and levies

Andrei Popov/Getty Images/iStockphoto

At the start of the pandemic, the IRS threw the American people a lifeline when it suspended all liens, levies, and seizures in an effort called the “People First Initiative.” But that moratorium ended on July 15, 2020, and many Americans who may have counted on it are wondering what to do if they’ve had trouble paying their taxes (or expect trouble after one of the most difficult years for personal finances in the United States). the story).

Weigh: Do you support a Biden tax hike? Take our poll
Learn more: Here is the average IRS tax refund amount by state

Levies are liens are complicated tax terms – so what do they mean? According to the IRS website, a levy is a legal seizure of your property to satisfy a tax debt. Levies are different from liens. A lien is a legal claim on your property to secure payment of your tax debt, while a levy actually takes the property to satisfy the tax debt. A federal tax lien arises when the IRS assesses a tax against you and sends you a bill that you neglect or refuse to pay. The IRS files a public document, the Notice of Federal Tax Lien, to alert creditors that the government has a legal claim to your property. You have the right to appeal if the IRS notifies you of an intention to file a notice of federal tax lien.

In the data compiled by Solvable and GOBanking Rates, over the past 10 years, the IRS has filed 7.3 million liens against taxpayers. This number peaked in 2010, with 1,096,376 tax liens filed. Since then, the number has steadily declined year over year, dropping 50% by 2019. In 2019, for the first time in 8 years, the number of tax liens filed exceeded the previous year.

This decline in tax liens filed in 2011 coincided with the introduction of the Fresh Start program, which changed the process for filing federal tax liens, according to Solvable and GOBankingRates. Under this program, the IRS can only file a tax lien against taxpayers who owe $10,000 or more.

Additionally, the IRS will not file a lien against those who owe less than $50,000 and have a simplified installment agreement in place to cover their balance owing; and it also helps taxpayers manage existing tax liens.

To explore: Do your own taxes? Be sure to follow these 15 tips
To discover: What is a tax levy and how can you prevent it?

In a July 10, 2020 memo to all debt collectors regarding the expiration of the People First initiative, Fred Schindler, director of collections policy for the IRS, said that while the suspension period of the PFI may end, operations “will not immediately return to pre-pandemic normal.

“We first need to work on the backlogs in processing incoming mail and sending outgoing notices. There will be special considerations regarding meetings with taxpayers and practitioners at IRS offices or in the field,” he wrote in the memo. “Finally, when initiating enforcement actions, we must exercise good judgment in recognizing that some taxpayers have been significantly impacted by economic factors caused by the COVID-19 pandemic,” he added. “The Internal Revenue Manual provides employees with the authority and discretion necessary to appropriately handle unusual situations and situations where taxpayers experience economic hardship. »

According to Tax Fortress, individuals should be more vigilant about whether they are taking appropriate steps to settle their tax balances since the suspension was lifted. “In particular, for people with large tax liabilities, the IRS has not shown compassion since the moratorium on withholdings ended on July 15,” says Tax Fortress.

Related: What are tax privileges?
Read more: How to itemize deductions like a tax professional

But there are several options for paying outstanding tax debts that may apply after the IRS suspension ends.

One such solution is federal programs called the Offer in Compromise, which allow taxpayers to settle their tax liability for less than they actually owe. The IRS states on its website that this may be a legitimate option if you cannot pay all of your tax payable or it creates financial hardship. The IRS considers a unique set of facts and circumstances, including ability to pay; Income; expenses; and equity. As of April 27, 2020, the application fee is $205.

The IRS accepted about a third of the offers in compromise it received in 2019, fewer than in previous years but more than 10 years ago, according to Solvable and GOBankingRates. Between 2013 and 2018, 40-43% of offers were accepted, while in 2009 only 21% of offers were accepted, according to Solvable and GOBankingRates data.

Additionally, the total value of all accepted Offers in Compromise was $289 million in 2019, up from $157 million in 2009, an increase of 84%.

John Boyd, director of management consulting firm The Boyd Company, told GOBankingRates that while compromises are generally rejected by the IRS, applying is a smart move for low-income Americans.

“The application fee is not only waived if you are on a low income – but also the monthly payments while your Compromise Application is reviewed. The application process can be difficult – so using the Tax Assistance Scheme is a good idea for the poor and the elderly,” Boyd said.

To learn: How to minimize tax debt
To discover: Here’s the difference in tax burden between rich and poor in each state

Money Crashers’ Brian Martucci echoes that sentiment, saying an Offer in Compromise is “easier said than done.” Most taxpayers don’t qualify for either,” he told GOBankingRates.

“You should definitely consult a tax professional who is familiar with negotiating with the IRS, but don’t bet on the possibility of settling – you will have to prove that the IRS will collect more from you in a settlement than in the 10 years. statute of limitations to pay outstanding tax debts,” says Martucci.

Another available option is to apply for non-collectible status, “another powerful tool available to people in financial difficulty,” according to Boyd.

“Although this is a temporary designation, typically six months to two years, it offers the ability to get rid of IRS collectors until your financial situation improves,” says Boyd. .

There’s also the option to pay in full within 120 days, says Brian Martucci of Money Crashers.

“The easiest option is to pay in full within 120 days if you can afford it. You will continue to incur penalty interest until the debt is paid, so it is in your best interest to pay the most quickly as possible, but you will not incur any additional fees or penalties if you use the time allowed,” Martucci told GOBankingRates.

Finally, there are installment plans, which “is your best bet for paying off all of your debt over a longer period of time,” says Martucci.

See: 6 things every homeowner should know about property taxes
Find: What the Top 1% Pay in Taxes in Your State

Boyd adds that most tax practitioners “advise you to set up an installment plan for the longest possible period, 72 months, with the lowest monthly payments.”

More from GOBankingRates

About the Author

Yael Bizouati-Kennedy is a former full-time financial journalist and has written for several publications, including Dow Jones, The Financial Times Group, Bloomberg and Business Insider. She has also worked as a VP/Senior Content Writer for major New York-based financial firms, including New York Life and MSCI. Yael is now independent and most recently co-authored the book “Blockchain for Medical Research: Accelerating Trust in Healthcare”, with Dr. Sean Manion. (CRC Press, April 2020) She holds two master’s degrees, including one in journalism from New York University and one in Russian studies from Toulouse-Jean Jaurès University, France.

2 paths to student loan forgiveness

The cancellation of the student loan has of them paths.

Here’s what you need to know.

Student loans

There are two main ways to cancel a student loan. You can mix and match approaches, find another method, or even give it a different name. However, make no mistake: student loan forgiveness – if it happens – will likely happen in two ways. There are two battles brewing, and depending on who wins, this could shape the outcome of student loan forgiveness and have a lasting impact on your student loans. Here are the two battles:

Path #1: President Joe Biden (executive branch) against Senators Elizabeth Warren and Chuck Schumer (legislative branch).

Path #2: Warren and Schumer (legislature) versus moderate Democrats and Republicans (legislature).

Let’s explore.

Way 1: Biden enacts student loan cancellation by executive order

When you read tweets on Twitter or hear your friends say, “Biden can just cancel student loans,” they’re referring to the first path to student loan cancellation. If Biden cancels up to $50,000 in student loans, 36 million people would get a total cancellation of their student loan. However, it is not that simple. Beyond the political debate over the merits of large-scale student loan forgiveness, there are important legal considerations and rules that can determine whether your student loans are forgiven and by whom. In a nutshell, this path is a battle between Congress and the President. On this path, there is no debate about whether student loan forgiveness is a smart policy or will help millions of student borrowers. The parties already agree that canceling student loans is a good policy that will provide much-needed economic relief and save a generation from going deeper into debt. Biden as well as Warren and Schumer immediately support the cancellation of student loans. However, the parties differ on two main issues: first, how much student loan debt to cancelAnd two, who cancels student loans.

To his credit, Biden has already acted to forgive at least $2.3 billion in student loan debt since becoming president. America has already reacted in different ways to Biden’s cancellation of student loans. For example, Biden canceled $1 billion in student loans for 72,000 student borrowers. He also has canceled an additional $1.3 billion in student loans for 41,000 borrowers in total and permanent disability. That said, Warren and Schumer want Biden — not Congress — to immediately cancel up to $50,000 in student loans through an executive order. Citing the Higher Education Act of 1965, they say the president has full legal authority to decree the cancellation of student loans with the “click of a pen”. Biden disagrees and says he doesn’t believe he has the unilateral power to cancel student loans through an executive order. To “settle” this dispute, Biden asked the US Department of Education to rule on Biden’s legal authority to cancel student loans via executive order. However, there is a major problem.

Above all, Biden wants to cancel student loans in three ways. So, if large-scale student loan forgiveness doesn’t happen, there are still other ways Biden can help more student borrowers get their student loans forgiven.

Conclusion: It’s too early to tell what the Education Department will conclude or whether Biden will accept the recommendation. That said, if Biden proceeds with student loan cancellation, expect legal challenges, which could delay the implementation of student loan cancellation.

Path #2: Congress Cancels Student Loans Through Legislation

Warren and Schumer don’t want to talk about it, but Congress is unlikely to pass student loan cancellation. It may come as a surprise, but there doesn’t seem to be enough votes to pass large-scale student loan forgiveness. There are at least 16 US senators, including Warren and Schumer, who want to cancel their student loan up to $50,000. These 16 senators signed a resolution which calls on Biden to enact student loan cancellation by executive order. Warren, who has championed large-scale student loan forgiveness, held an explosive congressional hearing on student loans and student loan cancellation. During the hearing, Warren not only renewed its call to cancel student loans, but also said that Navient – one of the nation’s largest student loan managers – should be fired from the federal student loans department and that Navient CEO Jack Remondi should also be fired. Despite this hearing, it is not known whether moderate senators will join his movement. So far, Republicans don’t support student loan forgiveness, and few moderate Democrats have shown support for any student loan forgiveness, let alone $50,000. This is problematic because Democrats need all 50 Democrats to support student loan cancellation for the legislation to become law.

Conclusion: Congress would be the logical branch of government to cancel student loans. However, there do not appear to be enough votes to pass large-scale student loan forgiveness legislation. That leaves Democrats in a bind because it’s better to hope for executive order student loan forgiveness. However, this is far from guaranteed.

Student Loan Cancellation: Next Steps

Will you get a student loan forgiveness? Ideally, Warren and Schumer would like Congress to cancel student loans. Why? They can craft laws on their terms, including who is eligible for student loan forgiveness and how much is forgiven. Biden has previously indicated he will sign any student loan forgiveness legislation Congress sends him, including student loan cancellation up to $50,000. That, in itself, is positive for Democrats in Congress. However, Biden also knows that Congress is unlikely to pass such legislation. That’s why Warren and Schumer are urging Biden to act unilaterally, but it can be an uphill battle. First, Biden does not support the cancellation of student loans by executive order of any amount. Biden could change his mind following a legal review of student loan cancellation, but it has been clear where it stands. Second, it’s hard to argue – despite a literal reading of the Higher Education Act that proponents of student loan forgiveness cite – that Congress granted the executive unfettered power to cancel debt. student loan for each student borrower. It is rare for Congress to relinquish its powers completely and simply transfer them to the executive. Second, if Biden decides to cancel student loans, remember he will decide the scope and conditions of student loan cancellation. That means Biden, not Congress, could decide who is eligible for student loan forgiveness and how much student loan debt is forgiven. Ideally, Schumer and Warren would like Congress to control the terms of student loan forgiveness. However, it now appears their best hope is for Biden to accept the student loan forgiveness, but it will be on his terms — not them.

When evaluating your student loan repayment options, be sure to consider these potential options:

Student Loans: Related Reading

Biden wants student loan forgiveness 3 ways

If $50,000 in student loans are forgiven, here’s what happens

Cancellation of student loan could cancel student loans for 36 million

Student loan forgiveness means this for student loan forgiveness

America responds to $1 billion in student loan forgiveness

Why a 4th stimulus check is unlikely

Biden cancels $1 billion in student loans$2,000 stimulus checks every month until Covid-19 ends?

Stimulus checks are coming soon, but student loan forgiveness may take longer

Red Deer – Lacombe MLA Blaine Calkins sets the record straight on pipelines

From a Facebook submission by Red Deer – Blaine Calkins, MP for Lacombe

I don’t know about you Alberta, but I have “so far” with the Liberals attacking our energy sector. Since 2015, they’ve done everything they can to roll back previously approved pipelines, ban tankers on the West Coast (while conveniently ignoring the import of foreign oil on the East Coast), and create a regulatory quagmire that makes building a pipeline in this country next to impossible. This means that billions of dollars of investment have been driven out of Canada and hundreds of thousands of jobs have been lost.

“But the Conservatives under Harper never built a pipeline” is the cry of the Liberals and those who strive to defend them! Nonsense!

The Libs have been trying to sell this bogus bill since 2016, and it hasn’t held up, but since so many people like to keep repeating this nonsense, I think it’s time to set the record straight. hour on the pipelines once again.

Fact: 4 major pipelines were built in Canada between 2006 and 2015.

It should be noted that between the years of 2006 and 2011, Prime Minister Harper had two minority governments, which hampered the ability of the government of the day to change laws and regulations that would streamline the application process for major projects. .

After forming a majority government in 2011, the late Finance Minister Jim Flaherty introduced Bill C-38, the Jobs, Growth and Prosperity Act, which, among other things, created a predictable, thorough and streamlined approach to issuing certificates for major pipelines. . It did not remove environmental regulations, but rather established timelines for regulatory reviews and created a predictable timeline for energy companies wishing to invest in Canada. I had the honor of chairing the finance subcommittee reviewing Bill C-38, which was passed in 2012.

Over the next three years of the Conservative majority term, and based on signals of support for industry, jobs in Alberta have flourished and we have had near full employment numbers for most of Prime Minister Harper’s term. as prime minister.

In 2015, the Trudeau Liberals inherited billions of dollars in energy projects that have either been fully approved or are progressing well toward approval. Unfortunately, many of these projects were either killed directly by the Prime Minister or rendered unviable by the Liberals’ disastrous anti-energy policies and bills like C-48 (tanker ban) and C-69 (no more pipelines ) that created economic uncertainty that caused investments to flee our country, as well as well-paying jobs:

Energy East – applied in August 2013, then reversed by TransCanada in 2017, citing “existing and likely future delays resulting from the regulatory process (more like a backlog of paperwork and environmental requirements that even imported oil doesn’t have to comply)” the associated financial implications and increasingly difficult issues and obstacles. Project value – $15.7 billion https://www.cbc.ca/…/transcanada-energy-east-1.4338227

North Gate – applied in May 2010, approved by the Conservative government in June 2014. Despite the support of industry and Aboriginal communities, Justin Trudeau kept his election promise and canceled this pipeline in November 2016. Project value – $7 billion

Keystone XL – implemented in June 2005, Canadian part approved by the Conservative government in 2007. The American part of the project was rejected by President Obama in 2015, re-approved by President Trump in 2017 (which was reaffirmed in 2019) and more recently canceled by President Biden in January 2021. Despite the billions of dollars invested by the province of Alberta in this project, Trudeau only indicated his disappointment with the decision. Project value – $8 billion https://pm.gc.ca/…/statement-prime-minister-canada…
Trans Mountain Pipeline – applied in 2013, this project was a privately funded project with the support of no less than 12 energy companies. In 2018, after changing the rules of this project almost daily, the Liberal government was forced to buy the old pipeline from Kinder Morgan at a cost of $4.5 billion, and is now on the verge of building new ones. constructions with a project value of $12.5 billion (an increase of $5.2 billion since 2013) https://www.Reuters.com/…/us-canada-pipeline…

Today the Liberal government faces new pipeline problems as Enbridge’s Line 5 may be shut down by the Governor of Michigan – Enbridge’s Line 5 pipeline carries Canadian oil to the east, crossing Wisconsin and Michigan, supplying about half of the oil needs of Ontario and Quebec. Additionally, Enbridge’s Line 3 replacement project is in jeopardy as there are increasing calls in the United States for a water permit needed for the project. To this day, the Liberals remain silent on their plans to address these pressing issues.

It is worth mentioning that unemployment rates in Alberta from 2005 to 2015 were on average 2% lower than those in the rest of Canada. Since December 2015, the first full month the Liberals formed government, unemployment rates in Alberta have risen and remained above the national average. (https://economicdashboard.alberta.ca/Unemployment…)

So, let’s set the record straight. Conservatives are building pipelines, cutting red tape, creating jobs, and the whole country is prospering. The Liberals are canceling lucrative energy projects, creating unemployment, fomenting uncertainty and only creating a toxic investment climate. The only thing that hurts Alberta’s economy more than a Liberal government is a Trudeau Liberal government.

Fortunately, Erin O’Toole has a plan to drive the Liberals out of power and get Albertans and all Canadians back to work.

We will highlight the excellent environmental record of our energy sector, which is improving every day. I expect the NDP and the Greens to twist the facts against Alberta energy, but the Liberals should have learned long ago about the risk of gambling with Alberta’s energy sector, not to feed the disinformation of the Greens and the NDP.

Recompose: TCPA Annual Review 2020 – Analysis of Critical Issues and Trends in TCPA Compliance and Litigation | Eversheds Sutherland (USA) LLP

Supreme Court Leaves TCPA Untouched; cancels the exception for the recovery of the public debt –

The Telephone Consumer Protection Act (TCPA) remains in place, but the exception allowing robocalls for government debt collection has fallen, in a U.S. Supreme Court ruling on the constitutionality of the law. Barr c. American Association of Political Consultants, No. 19-631 (July 6, 2020). Although some commentators predicted that the Court might take the opportunity to strike down the TCPA’s robocall provisions as an unconstitutional restriction on the right to free speech, the Court opted for a more limited route. In a case where the justices seemed to generally agree on the appropriate result, if not the reasoning, six of the justices agreed that the exception for government debt collection – allowing such appeals to be made without the same restrictions imposed on others appeals – was a content-based distinction impermissible under the First Amendment. But there was little appetite to invalidate the TCPA in its entirety. Seven of the justices agreed that the proper remedy was to sever the unconstitutional exception, leaving the rest of the TCPA in place. Only Justices Gorsuch and Thomas advocated overturning the TCPA’s broader restrictions on robocalls.

Please see the full post below for more information.