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No, Crypto Exchanges Are Not Like Stock Exchanges



US Securities and Exchange Commission Chairman Gary Gensler has released a video explaining how the agency will regulate cryptocurrency trading platforms. It sets out reasonable goals, but the proposals would prevent them from ever being achieved.

Gensler worries about market manipulation, identity theft, phantom liquidity (orders that will be canceled before they can be executed), phantom liquidity (people willing to make trades that don’t ‘will not expose their will in public orders), flash crashes and other evils. He says that the New York Stock Exchange is doing a good job on these points thanks to SEC regulations, so these regulations should be carried over to crypto exchanges.

Retail investors should have access to exchanges free of these problems. But Gensler’s stated extension is that alternative exchanges should be banned. Most people want regulation to give people the ability to trade safely, but only nanny staters want regulation to prevent risk-takers from trying new things.

Crypto originally grew out of a dissatisfaction with regulated markets during the 2008 financial crisis. Crypto exchanges introduced exciting ways to forestall Gensler issues naturally, without the need for detailed regulations and enforcement measures. These may not live up to their promises, but the experiment will at least yield useful information for future progress. While some of these ideas have been lightly tested in traditional markets, crypto offers faster and larger-scale implementation, in an area where investors know they need to protect themselves.

Gensler says regulation should be “technology neutral.” But consider his claim that electric cars should have the same seat belt requirements as conventional cars. These reasonable-sounding words hide a stifling reality. There isn’t a single federal law that says, “Cars should have seat belts.” There is a huge amount of regulations. A minor example is CFR-571.209, which defines seat belts in 10,000 words spread over 23 pages with detailed technical diagrams. Much of it assumes conventional vehicles and cannot easily be applied to alternative personal transportation ideas, whether electric cars or Star Trek transport bundles.

Add up all the seat belt rules and regulations, including those of U.S. states and foreign countries, plus all other automotive regulations, and you have more pages than an engineer with a new personal transportation idea could read. in a professional career, let alone have the time to design something consistent with all of them. The right approach is for the engineer to produce the best possible design and then check if it needs any additional safety features.

Likewise, the SEC should examine the real problems of crypto exchanges and offer technology-specific solutions. This may mean importing from traditional financial markets, but it may require new approaches.

Traditional limit order books like those maintained by the NYSE have come under heavy criticism over the past decade, including from Gensler. In crypto, automated market makers (AMMs) are a fast-growing alternative to “limited order books” (LOBs) like the NYSE and many other exchanges use. Gensler excludes AMMs because they deal directly with the customer rather than matching buyers and sellers.

AMM clients execute immediately at displayed prices, so there is no shadow liquidity and no one can usurp. Mathematically manipulation always loses money. There is no front-running because the orders are exposed only after execution. Flash crashes cannot occur. There is no doubt that problems will be uncovered, but the crypto world has proven adept at making fixes and SEC lawyers will not speed up or improve this process. MAs have drawbacks, such as the lack of public exposure of liquidity interests. But shutting them down due to a blanket ban on platforms that mix exchange services with direct buying and selling will shut down a promising area of ​​exploration.

Frequent Batch Auctions (FBAs) are a different approach to trading. Gensler has supported FBAs for retail stock trading, and they have been used in some traditional markets. Rather than executing each time a bidder offers to pay a price that a seller is willing to accept, all orders are grouped together and executed simultaneously at a single price. This eliminates the problem of phantom liquidity and rules out impersonation, short-term manipulation, flash crashes, front-run and high-frequency trading games. A compromise is that prices are only updated once per lot, not once per trade, but these revealed prices are more robust than individual trades.

One of the most exciting cryptographic innovations goes by the chilling name of “homomorphic crypto commands” (HEO). Instead of sending a command that anyone can read to your broker or an exchange, you first encrypt it so no one – not even the recipient – ​​can find out what it says. A computer algorithm can match transactions without knowing what those transactions are or who made them. From your point of view, a smart contract turns what you sold into what you bought and no one – not the exchange, not whoever intercepted messages, not the person on the other side of the trade – can know what you have done. Only aggregated transactions are made public, giving market price information.

While this obviously raises issues of money laundering and insider trading – which can be addressed – it has huge potential benefits. People are encouraged to reveal their full interests since this information will never be known to anyone else. Games like impersonation, manipulation or high frequency trading have no value. No one can be on the forefront because no one sees the trade even after it is executed.

Some of these innovations have been experimented on a small scale with traditional assets. But it’s only in crypto that we get large-scale testing of these and other innovations. After a period of evolution, I have no doubt that some of them will turn out to be so useful that all financial markets will be heading towards them. This is a much more promising solution to old exchange problems than a few more SEC regulations on top of what we already have. Gensler’s determination to force crypto exchanges to look like the NYSE is in no one’s interest.

More other writers at Bloomberg Opinion:

• Crypto’s Limp BlackRock response is clear: Jared Dillian

• Laser-Eyed Bitcoin King Blind at $1 billion loss: Lionel Laurent

• Crypto Bros has a plan to crack elite football: Trung Phan

This column does not necessarily reflect the opinion of the Editorial Board or of Bloomberg LP and its owners.

Aaron Brown is a former Managing Director and Head of Capital Markets Research at AQR Capital Management. He is the author of “The Poker Face of Wall Street”. He may have an interest in the areas he writes about.

More stories like this are available at bloomberg.com/opinion

The new East Cobb Christian bookstore will hold a grand opening


Back in March All Things Inspirationa Christian bookstore, opened a second location in Cobb County in Northeast Cobb with a “soft” opening.

On Wednesday, the store (2745 Sandy Plains Road, Suite 156) will kick off a four-day grand grand opening with a ribbon cutting at 3 p.m.

Owner LaVonya Williams-Tensley said there will be special savings and prizes through Saturday (see flyer for more).

Like the original location in South Cobb, All Things Inspiration offers a variety of Bibles, Christian books, church supplies, Bible study materials, Christian greeting cards, Christian-themed gifts and Moreover.

Williams-Tensley also said the store, which has meeting space, will host Bible study groups, book clubs, story hours, author signings and other events.

“We are thrilled to have the chance to make Marietta the home of our second store,” she said. “It is a privilege to serve God by serving the community with an enjoyable shopping experience, excellent customer service, and access to an assortment of life-changing resources.”


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Nominate your favorite bookstore for the An Post Awards


Local bookstores are a truly essential aspect of our local communities.

The search is officially underway to find the ‘An Post Bookstore of the Year’ for 2022. After a hugely successful inaugural year in 2021, the category is now back for the second consecutive year at the An Post Irish Book Awards, the annual literary event which celebrates and promotes Irish writing to the widest possible range of readers.

The “An Post Bookshop of the Year” category is designed to recognize the important role played by independent bookstores and local branches of bookstore chains in helping their local communities find and enjoy the titles they want. The new category was unveiled last year and thousands of votes were cast, with Kenny’s Bookshop in Galway crowned the overall winner.

Customers simply click on www.anpost.com/bookshopoftheyear to submit their nomination for their favorite bookshop. They will also have the opportunity to explain the reason for their choice. Readers can also participate by scanning the QR code at their favorite bookstore and following the instructions. Everyone who votes will be entered into a draw to win a €100 voucher.

Nominations for “An Post Bookstore of the Year” will close on September 2 at 5:00 p.m. The 12 bookstores across Ireland with the most votes will then be shortlisted and invited by the judges to submit a written submission.

Mystery shoppers will visit all 12 stores as part of the evaluation process. Following this, a shortlist of six stores will be finalized for “An Post Bookstore of the Year” and they will be officially announced on October 20. The overall winner will receive their trophy at the An Post Irish Book Awards event in November. 23. The winner will receive a trophy and a prize worth €5,000 from An Post Commerce.

Each year, the An Post Irish Book Awards bring together a huge community of book enthusiasts – readers, authors, booksellers, publishers and librarians – to recognize the best in new and established Irish writing talent and 2022 will be no different. Other categories for the An Post Irish Book Awards include Novel of the Year, Children’s (Junior and Senior), Cookery, Crime Fiction, Popular Fiction, Non-Fiction, Sports, Short Story, Poetry, teenagers and young adults and the Irish language.

John Treacy, Chairman of the An Post Irish Book Awards, said: “Bookshops are at the heart of the cultural and social life of their communities, and we introduced this category last year to recognize the important contribution they make not only to their communities and their readers. , but the important role they play in the Irish book industry. The holy trinity of bookstores, writers and readers is a wonderful alliance that we should all support, so I encourage everyone to support their local bookstore and vote for them in the An Post Bookshop of the Year category.

Aoife Roantree, Chair of Bookselling Ireland, says the organization is delighted to see the category return for the second year in a row. “I am delighted that the ‘An Post Bookshop of the Year’ award goes to this year’s An Post Irish Book Awards. Booksellers are unsung cultural heroes, working every day to connect readers with books they’ll love, to foster a love of reading in children and newcomers to the world of literature, and to support new writing and illustration skills as well as loyal readers. favourites. Please vote for your favorite bookstore, so we can all make sure to add them to our travel itineraries in the future!

David McRedmond, CEO of An Post, adds: “Our local bookstores are a truly essential aspect of our local communities. This was particularly evident during Covid, when they made a truly extraordinary impact by nurturing their customers and communities at a difficult time. This is why we created the category “An Post Bookshop of the Year” last year and, given the reception it has given to booksellers and their customers, we are delighted to renew it. This year. We really want bookshops across Ireland to be recognized and praised for the business acumen and creativity they use every day to reach and interact with different audiences. So if you love your local bookstore, be sure to vote for it to give it the recognition it deserves.

The shortlist for all categories of the An Post Irish Book Awards 2022 will be announced on Thursday 20 October, while the winners will be announced on Wednesday 23 November. A TV show will air on RTÉ One TV in December culminating in one of the winning titles of 2022 being announced as the ‘Post Irish Book of the Year 2022’.

An Post is also continuing its hugely successful #ReadersWanted campaign, celebrating the value and joy of reading and encouraging everyone to buy more books, more often. Just search the hashtag online to get involved.


More information on the awards can be found at www.anpostirishbookawards.ie

X-Men game details revealed


WizKids provided GenCon attendees with a preview of their upcoming X-Men board game. Scheduled to release later this year, Marvel: Age of X-Men Heroes is a new game about sending a team of X-Men to defeat various iconic villains. According to ICV2, players will spend their turn gathering resources and recruiting allies so they can deal damage to various baddies. Each character will have different unique mutant abilities that can be used in-game, and players will be able to play through three distinct scenarios in-game. X-Men confirmed for Marvel: Age of Heroes includes Cyclops, Jean Grey, Wolverine, Storm, Forge, Lockheed, Jubilee, Gambit and Rogue, all of which are represented by 2D plastic stand-ins.

WizKids unveiled for the first time Marvel: Age of X-Men Heroes earlier this year at GAMA Expo, a gaming convention exclusively for retailers and members of the tabletop gaming industry. The game was designed by Rodney Thompson, best known as the creator of Lords of Waterdeep, a worker control game set in the Dungeons & Dragons City of Waterdeep. While Thompson is best known for his RPG work, he also designed several popular games. Dungeons & Dragons-thematic games including Tyrants of the Underdark.

The X-Men had a busy GenCon weekend, with the announcement that Wolverine and Mojo would both be added to Marvel Champions: The Card Game in the next weeks. Additionally, Fantasy Flight Games also announced plans for a new Marvel board game titled Marvel DAGGER., though they declined to provide any further details about the new game.

Although we don’t yet have too many details about Marvel: Age of X-Men Heroes, we know the game will be released in Q4 2022 and will have a retail price of $69.99.

The Works issues early warning on Christmas trading | Retail business


The Works cut its full-year outlook, warning early that it expects the cost-of-living crisis to weigh on its key Christmas trading period.

The discount craft, book and toy retailer, which has around 525 stores in the UK, said the market had deteriorated since January and had “decline significantly [sales and profit] expectations” for the year to May 2023 as it was no longer certain that the pace of sales growth would offset rising costs, including high transport costs and an increase in the statutory minimum wage.

“The general market outlook has deteriorated since the start of the calendar year,” the company said. “It is unclear how long these market conditions will persist, creating a heightened degree of uncertainty about consumer behavior, particularly in the upcoming Christmas shopping season, The Works’ most important trading period. .”

The Works also said its online sales had fallen from their peak during Covid as shoppers returned to department stores.

Underlying sales fell 2.5% in the three months to July 31, as a 28.6% decline in online sales was offset by a 1.4% increase in established outlets .

The company said a cyberattack in March continued to affect commerce for part of the period, but online sales remained 40% above pre-Covid levels.

The security breach in its computer systems forced the temporary closure of some of the retailer’s stores, delayed inventory replenishment and deliveries of online orders to customers.

Gavin Peck, the company’s chief executive, said: “The Works is a remarkably resilient business and the group’s financial position remains strong. Although near-term market conditions are highly uncertain, we are confident that our ‘better, not just bigger’ strategy still has much more to offer in the medium term.”

Shares fell a quarter after Monday’s update.

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While the outlook for the current year was gloomier, The Works said it expected to record underlying profits of £16.5million in the year to May 2022 , which is around £1m better than expected. Earnings for the past current year are now expected to be lower than that.

The Works’ gloomy outlook for Christmas highlights new strains on retailers after a difficult few years when they faced pandemic-related closures and supply chain lockdowns related to Covid and Brexit and runaway inflation on energy, labor and raw materials.

Several retailers, including Marks & Spencer, have warned they expect trade to sour in the fall, when families face high utility bills and balk at inflation on food, clothing and other essentials.

SAI.TECH Announces Major North American Distribution Center

SINGAPORE, Aug. 08, 2022 (GLOBE NEWSWIRE) — SAI.TECH Global Corporation (“SAI.TECH” OR “SAI” or the “Company”, NASDAQ: SAI), an energy-efficient bitcoin mining operator and -tech that integrates mining, heating and power industries Bitcoin announced that it will launch operations this month for its first computing power and heating project SAI NODE OHIO at its new Northeast distribution center. American in Chesterland, Ohio, United States.

Named SAI NODE OHIO, this facility is located in the center of the State of Ohio in the United States, a hub of business and traditional data center operations in North America with rich sources of clean energy. Also, it is located close to Canada, which is also a major Bitcoin mining country that is rapidly growing in the global hash rate market. Starting this month, the new distribution center will begin stocking parts and miners to support and accelerate SAI.TECH’s expansion plan in North America. In addition to parts warehousing, SAI.TECH plans to use this facility for SAIHUB assembly and final distribution, service headquarters, technical training operations, parts refurbishment, repair of collision, etc.

In particular, this 30,000 square foot facility also built the first live SAIHUB demonstration project in the United States, which can fully demonstrate the superiority and application scenarios of SAIHUB. There are already two SAIHUB-025M cabinets installed in this facility to provide hot water heating services for the entire facility by connecting to both fan coils and finned radiators. In the installation, it also built vertical pools of agricultural black boxes and fish ponds that will be heated by the hot water generated by the SAIHUB cabinets, representing a variety of common heat application scenarios that the SAIHUB can easily hook up and provide heating services to , including agricultural greenhouses, aquaculture facilities and major building types (residential/commercial/warehouse).

“We are excited to bring a live heating demonstration and efficient operating facility to United States soil and proud that it is in the state of Ohio,” said SAI Founder and CEO. .TECH, Arthur Lee, “I want to especially thank our hard As we continue to grow our existing facilities in Ohio as well as our business in North America, SAI NODE OHIO gives us massive strategic leverage to ensure that we have advanced technique and functionality in our product with a professional and efficient team, to support our continued growth for years and years to come.”


SAIHUB is SAI.TECH’s innovative embedded cabinet product that can help reduce Bitcoin mining costs by supplying constant hot water recycled from mining chips to other heating supply scenarios.

SAIHUB is equipped with patented liquid cooling technology that replaces hundreds of fans with circulation pumps in most traditional air-cooled miners to reduce chip cooling power consumption and improve machine reliability. cooling. It incorporates collector collectors which can simultaneously cool the chips in operation and recover the heat dissipated from these chips. Using the company’s patented liquid cooling and waste heat recovery technology, SAIHUB can utilize the large amount of undervalued waste heat generated by Bitcoin mining ASIC chips at 90% thermal efficiency to provide energy. energy recycled in the form of a constant hot water output at 60-70°C. to a wide range of heating customers.

Each SAIHUB cabinet can accommodate 72 mining rigs and provide heat for a space of 2,000-3,000 square meters or 20,000-30,000 square feet. SAIHUB is designed to be highly portable and transportable, easily connected to various existing hot water heating systems, and equipped with a comprehensive leakage protection switch and industrial PLC real-time monitoring system.

In addition to hardware, SAI.TECH has also launched the SAIHUB application which is designed to easily monitor and manage Bitcoin mining and heating operations simultaneously on users’ mobile phones, computers and smart devices. The open source tool SAIHUB APP also integrates cold and hot wallet, supports keystone and multi-signature PSBT. With the SAIHUB app, users can manage both their mining operations and their crypto assets. Users can search “SAIHUB” and download the app from App Store and Google Play.


SAI.TECH is an energy-efficient bitcoin mining operator and clean technology company that integrates bitcoin mining, power and heating industries. SAI.TECH uses proprietary liquid cooling and waste heat recovery technology for its digital asset mining machines, using waste heat to provide recycled energy and heating to potential customers while reducing operating costs of mining. SAI.TECH strives to become the world’s most profitable digital asset mining company while simultaneously promoting the clean transition of the Bitcoin mining, power, and heating industries.

In May 2022, SAI became a publicly traded company under the new symbol “SAI” on the Nasdaq Stock Exchange (NASDAQ) through a merger with TradeUP Global Corporation (“TradeUP”).

For more information about SAI.TECH, please visit https://sai.tech/.

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How a tiny Chinatown bookstore became a hub for authentic Asian American stories


An only child raised by a Chinese immigrant mother in West Los Angeles, she spent a lot of time in bookstores. But it seemed like the stories she was most connected to — those written by immigrants and people of color — were often relegated to a single shelf or heritage month display.

“I just wanted to get into a place where I didn’t have to search so much,” she said.

Yu, a chemical engineer by training, began his search and found an abundance of titles dating back decades from authors with names or backgrounds like his. But she said many of those books were quickly placed on the back to the lista publishing term referring to older books that are still in print but not usually actively promoted.

“I think the publishing industry didn’t think they were going to sell or that people were interested in our stories,” Yu added. “But they had always been there and these authors and these writers and these stories have always been there.”

Yu launched a crowdfunding campaign last year to turn her vision into reality and achieve her goal in just weeks, saying she’s not the only one who wants more from those books. In December, Yu and Me Books opened in Manhattan’s Chinatown and has been growing ever since. The store now has four employees, including Yu.
The bookstore has also become a literary and community hub. Yu and Me Books hosted conversations with immigrant authors, a book ephemera workshop, and clothing swaps. And as Asian Americans in New York City, including Chinatown, faced attacks on their communitiesthe store has joined the association Hover over hate to distribute free pepper spray and personal safety devices.

Yu sees room for improvement in publishing

Despite this, Yu did not decide to open an Asian American bookstore.

When she designed her small business, she dreamed of a space that would reflect the rich diversity of her community. She envisioned a place dedicated to stories written by immigrants and people of color — which included Asian American authors.

The space always reflects his vision. But perhaps because of Yu’s own Asian American identity, perhaps because of the historic location of his bookstore, or perhaps because of Asian Americans’ thirst for authentic representations of their communities, Yu and Me Books has since become a go-to for Asian American readers hoping to find their experiences reflected on its shelves.

“It was really interesting to see how I was kind of pushed down the Asian American bookstore route,” she said. “I think if I wasn’t Asian American, maybe I wouldn’t have had to put myself in that bracket.”

This feeling of being pigeonholed is familiar to many Asian Americans, whether they work in mediathe restaurant industry or the literary scene like Yu. For so long, Asian American representation in the creative industries has been sparse, while Asian American representations in popular culture have been filled with tired tropes and stereotypes. So when Yu launched his community-focused bookstore last year, it came with added pressure and expectations.

As Yu stuck to her mission to shine a light on stories of immigrants and people of color more broadly, she leaned into customer demand for books by Asian American authors. Most of its inventory is now geared towards Asian American books, she said, making Yu and Me Books a rare and special place.

“As someone who is thinking about my own identity and also a business owner, I want to be able to support anyone who wants to come in and find books that represent themselves,” she said. “But I love that there’s a lot of love and desire for Asian American books and representation.”

Yet Yu makes it a point to challenge and delight visitors to his store.

Its shelves include bestsellers such as Min Jin Lee’s “Pachinko” and Michelle Zauner’s “Crying in H Mart”, as well as niche titles from small presses. Visitors can leaf through cookbooks, romance novels, young adult novels, and volumes of poetry by Asian American authors — and the selection keeps growing. For a few hours most nights, glass of wine in hand, Yu researches what other books she doesn’t know yet that she could acquire.

“One of my favorite things I hear when customers walk into the store (is) ‘I’ve never heard of this title before’ or ‘I’ve never seen 40% of this inventory before’ “, said Yu. “It makes me so happy because you can connect to a story that is not necessarily pushed by editors.

While Yu and Me Books celebrates and showcases the breadth of work that Asian American writers have produced over the decades, Yu also encourages its visitors to keep an open mind.

“I also try to remind readers as much as possible that outside of the Asian American experience, there are so many books written by other immigrants that we can relate to,” she said. added.

Since Yu and Me Books opened, Yu said he has seen positive changes in the publishing industry. She sees more diversity among authors who are published, but those authors are often called upon to be “educators of our experience,” Yu said. As exciting as it may be to see those experiences authentically represented, she hopes that the industry will reach a point where authors can transcend their identity.

“I want authors of color to write only about unicorns or cupcakes — whatever they want to write about,” she added.

Buying these 2 stocks is a good way to protect against a stock market crash


ANo one can pick good stocks when the market is booming, but you have to be more careful when the economy seems to be cooling. Some stocks, even those associated with strong companies, fall precipitously with the rest of the market when recessions hit because people have less buying power.

There’s a proven way to invest in tough times: find companies that thrive in recessions, the ones people turn to when money is tight, like General dollar (NYSE:DG) and Wholesale Costco (NASDAQ: COST). Both are solid defensive choices for investors in a downturn.

Dollar General continues to grow

Dollar General Chief Operating Officer Jeffrey Owen was promoted to CEO of the company last month when Todd Vasos stepped down after seven years. Dollar General’s expansion has continued unbridled by COVID-19, inflation, supply issues and labor shortages that have bewildered other businesses.

The discount variety store company had 18,356 stores in 47 states as of April 29, making it the largest retailer in the United States by location. It plans to open 1,110 new stores this fiscal year, as well as 1,750 store renovations and 120 store moves. So far this year, Dollar General shares are up more than 7% and the company has a price-to-earnings (P/E) ratio of 25.54.

Due to its large number of stores, Dollar General has strong pricing power with suppliers. It also has a loyal customer base, often because its stores serve areas underserved by retailers – small towns, low-income neighborhoods and places where the nearest grocery store may be 20 miles or more away.

The company has grown its revenue every year since its initial public offering (IPO) in 2009. That’s not to say the current climate hasn’t had a negative effect, as inflation has squeezed its margins. In the first quarter, the company reported revenue of $8.8 billion, up 4.2% year-over-year, but earnings per share (EPS) fell 14, 5% to $2.41.

Dollar General was already doing well and the recession is helping his business. It has posted five consecutive years of double-digit stock returns and has grown its revenue by 113.6% over the past 10 years. The company has seen its annual revenue increase every year since 1987, including from December 2007 to June 2009, which is considered the last recession.

Dollar General also has a dividend, which it has increased for five consecutive years by a total of 112%. It has just raised its quarterly dividend to $0.55 per share, giving it a yield of 0.87%. It’s not particularly generous, but it’s safe with a cash dividend payout ratio of 27.15%.

The company, in its guidance, said it expects another year of double-digit revenue growth (between 10% and 10.5%) and EPS growth between 12% and 14%.

Costco: Helping stretch money from shoppers and investors

At first glance, Costco appears to be an expensive stock, with a price-earnings ratio of 42.69. There’s a good reason for that: the company is so reliable that investors flock to it when a downturn looms. Its shares have fallen just over 3% so far this year, but have risen slightly in the past three months.

Costco is known for its giant toilet paper wrappers and $1.50 hot dog-pop combos (which are the same price as 1984), the type of items that budget-conscious shoppers appreciate. The company, which operates 830 warehouses, including 574 in the United States, is made for recessions, but also has great buying power for the less budget-conscious (it sells more wine than any any other merchant in the world). Over the past 10 years, its revenue has increased by 97.63% and its EPS by 189.7%.

COST revenue data (annual) by YCharts

Costo is a members-only discount warehouse that has grown in revenue for the past 12 consecutive years. When the last recession hit in 2007, the company fell from the fifth-largest retailer in the United States by revenue to No. 3, behind only walmart and Amazon, and it stayed there. The company earns money from its products and annual memberships, which ensures a stable cash flow.

This year, through July 3, the company reported that its revenue increased 15.3% compared to the same 44-week period in 2021. During the last quarter, the third quarter, the company reported revenues of $51.61 billion, up 16.3%. year-over-year and EPS of $3.04, compared to $2.75 in the third quarter of 2021.

In May, the company increased its quarterly dividend from $0.79 to $0.90 per share, the 19th consecutive year it has increased its dividend. The yield is 0.66% and the cash dividend payout ratio is 34.12%, very safe. The company also rewards investors with special dividends when it has a strong year. In 2020, it offered investors a special dividend of $10 per share.

Like Dollar General, Costco has the kind of scale that helps it fight inflation because it has pricing power with suppliers. Another big plus is that the company already pays its employees high wages, so it hasn’t been hit as hard by labor shortages as other retailers.

Hedging your bet

The best thing about these two retail stocks is their stability. You’re not going to see huge growth spurts, but both companies have consistently increased revenue year after year, whether or not this year saw a downturn. They’re built to do well during recessions because they have products that can save people money, but even if the current downturn doesn’t last long, companies will do well anyway.

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Rochester couple turn a new leaf with bookstores


ROCHESTER – Anna Smith was more than a little furious with her husband, Andy, last December.

The Smiths, owners of the Gray Duck Theater & Coffee House in Rochester, decided to visit a former Carnegie Library building in Zumbrota after Andy learned it was up for sale for $150,000. We should just take a look at it, Andy told him. It will be fun, he said.

The Smiths had opened a second-hand bookstore just two months before the next door to their micro-theater, and Anna hadn’t already decreed any new ventures until 2023. After meeting the owner of the building, the two are found with a new opportunity when driving back.

“I said, ‘I’m so mad right now,'” Anna recalled, as Andy reminded her that she had used more uncensored language to describe her feelings at the time. “I’m so angry because it’s so perfect that we have to do it, but it’s not the right time!”

That’s how the Smiths ended up opening the Zumbrota Literary Society in July – named after the local book group that petitioned philanthropist Andrew Carnegie for money to build a library in the town at the turn of the 20th century. This is the couple’s second used bookstore in less than a year after getting into the bookshop industry. Their timing is good, as industry experts say the COVID-19 pandemic has accelerated a rise in independent bookstores after years of decline as consumers move away from online retailers like Amazon.

“It seems to have galvanized people’s interest in following their values ​​and doing what they want,” said Carrie Obry of the Midwest Independent Booksellers Association.

Book sales rose almost everywhere in 2020 and 2021 from pre-pandemic levels as people stuck at home sought ways to keep themselves entertained. Data from market intelligence firm NDP Group shows around 827 million books were sold in 2021, up around 9% from the previous year.

Obry said the association has added 52 new bookstores since the pandemic began as more people are drawn to selling books.

The Smiths met in graduate school in California and came to Rochester about three years ago to open Gray Duck, in part to be closer to Anna’s family in Cottage Grove. Andy, who grew up in Los Angeles, loves cinema and the community that is created around independent cinema.

They weren’t looking to expand until the same real estate agent who found them the theater location showed them the building next door.

The Smiths contacted Fair Trade Books in Red Wing to see if they wanted to expand to Rochester. As Fair Trade eventually declined, the owners encouraged the Smiths to run their own bookstore.

“It wasn’t necessarily that we wanted to open a bookstore ourselves, it was just that we wanted that space to be busy,” Anna said.

The Smiths opened Garden Party Books in October 2021, using an online fundraising campaign and book donation drives that offered in-store discounts.

Anna had worked part-time at the Rochester Public Library, where she had learned to clean and repair books. The Smiths also acquired book inventory and shelves from a local bookstore that closed.

Garden Party has already turned a profit, and the Smiths have three part-time employees. They also hired a creative director for both bookstores.

The Smiths say they won’t be opening any more businesses for a while — Anna claims until 2040 — although Andy is running for state representative in Home District 25B this fall. Yet they are supported by area residents who embrace the brick-and-mortar storefronts.

“While Amazon is definitely convenient, there’s something really cool about a local place where you can go and talk to people,” Anna said.

Sid Jacobson, comics writer with range, dies at 92


Sid Jacobson, a veteran comic book writer and editor whose work took him from the opulent, whimsical world of Richie Rich to the real-life terrorist attacks of 9/11, died July 23 in San Francisco. He was 92 years old.

His death, in hospice, was caused by a stroke following a case of coronavirus, his family said in a press release.

From 1952 until 1982, when the business ceased operations, Mr. Jacobson was a writer and editor at Harvey Comics in New York, which published the adventures of Casper the Friendly Ghost, Richie Rich and Wendy the Good Little Witch. , as well as crime, horror and romance comics.

In Harvey, he met the artist Ernie Colón, who became a frequent collaborator. “Wherever I worked as an editor, I always hired him,” Mr. Jacobson said in an interview after Mr. Colón’s death in 2019. “We were very close. We were like brothers.

The two teamed up to narrate a graphic novel version of the 9/11 Commission report, which examined the terrorist attacks on the World Trade Center and the Pentagon. The report, the result of a government study led by Thomas H. Kean, the former governor of New Jersey, became a best-selling, albeit dense, book in 2004. So did “9/11 Report: A Graphic Adaptation,” published in 2006. Mr. Jacobson called the effort “graphic journalism.”

The adaptation “packs a lot of information in a very accessible format,” noted Julia Keller in a Chicago Tribune review.

“What is particularly striking,” she added, “is when the authors create a series of pages retracing the fate of the four planes, moment by moment, in a horizontal grid that suddenly makes the frantic pace of the horror that unfolds.

Mr. Jacobson and Mr. Colón would go on to create other non-fiction graphic books: one on America’s fight against terrorism, in 2008; biographies of Che Guevara (2009) and Anne Frank (2010); and, in 2017, “The Torture Report: A Graphic Adaptation,” which presented the findings of a Senate Select Committee investigation into the torture of terrorist suspects by the Central Intelligence Agency.

Sidney Jacobson was born on October 20, 1929 in Brooklyn, one of two children of Reuben and Beatrice (Edelman) Jacobson. Her father worked in the garment district in Manhattan and her mother was a housewife.

He is survived by his son, Seth; his daughter, Kathy Battat; and three grandchildren.

Mr. Jacobson studied journalism at New York University and graduated in 1950. Two years later, his sister, Shirley, was dating someone who worked for Harvey Comics. He used the connection to get his foot in the door and eventually became the company’s editor.

“It was called Harvey Comics, but he pretty much ran the company,” Angelo DeCesare, a writer and artist who got his start with the company in 1978, said of Mr. Jacobson. “Everything flowed through him.”

Mr. Jacobson was involved in the storylines and writing of Richie Rich’s stories at the height of the character’s popularity, when he appeared in several different books.

“They dated Richie Riches like they were printing money,” said Jonny Harvey, grandson of Leon Harvey, whose twin brother Alfred founded the company. (Leon, their older brother, Robert, became an executive there.) He added, “They must have made up so many gags about Richie involving money. Sid was working with the writers and going back and forth. It was quite collaborative. (Jonny Harvey is the director of “Ghost Empire,” an upcoming Harvey Comics documentary.)

After Harvey Comics closed, Mr. Jacobson found work at Marvel, where he became the publisher of Star Comics, a brand for young readers that began in 1984. Star produced a mix of licensed characters, like the Ewoks and Muppet Babies, and original series. like Planet Terry, a space adventure about a boy trying to find his parents, and Royal Roy, about a wealthy prince. But Harvey Comics felt Royal Roy was too close in theme to Richie Rich and sued. (Royal Roy ended after six issues and the lawsuit was dropped.)

In addition to writing and editing comics, Mr. Jacobson has written novels and songs. “Streets of Gold,” a fictionalized version of his family’s Russian-Jewish immigration story, was published in 1985; “Another Time”, a novel set during the Depression, was published in 1989. He also wrote “Pete Reiser: The Rough-and-Tumble Career of the Perfect Ballplayer” (2004), a biography of an outfielder of the major league often injured. of the 1940s and 1950s known for playing with reckless abandon.

Mr. Jacobson’s songwriting had a special place in his heart. “He was so proud of the hit he called ‘The End’,” Mr DeCesare said. Mr Jacobson once told her he was on a cruise ship when some passengers discovered he had written the lyrics to the song, which was released in 1958 as a single by Earl Grant.

“They all treated him like royalty,” Mr. DeCesare said.

Mr Jacobson’s children said he had written around 100 released songs, mostly love songs, but also new stuff including ‘Yen Yet’ – which they fondly remember hearing on the TV show “Captain Kangaroo”.

Dynex Capital: this mREIT pays a sustainable dividend yield of 9.54% (NYSE:DX)


Investment thesis

Dynex Capital, Inc. (NYSE: DX) primarily invests and manages agency and non-agency commercial and residential mortgage-backed securities (MBS) that pay sustainable dividend yields to its investor. I believe at the current valuation this is a perfect opportunity to earn stable income and fixed returns.

About Dynex Capital

Dynex Capital is a mortgage real estate an investment trust (mREIT) that primarily invests in and manages agency and non-agency commercial and residential mortgage-backed securities. The MBS agency is backed by a principal payment guarantee from the US Government Sponsored Entity (GSE). MBS non-agency provides no such guarantee with respect to any payment. Under US tax laws, the company qualifies as a REIT because it distributes 90% of taxable income to its unitholder. It allocates more than 90% of the portfolio to the RMBS Agency. On March 31, 2022, 90.9% of capital is allocated to agency RMBS, 3.8% of the capital is allocated to agency CMBS IO, 3.5% is allocated to agency CMBS and 1.8% is allocated to non-agency CMBS IO. An allocation of more than 90% to agency RMBS is a great advantage for the company because it secures the investment by offering a guarantee on the payment of the principal.

Dynex Portfolio Structure

Portfolio Structure (Dynex Investor Presentation)

Compared to its peers, the company’s competitive advantage is that it can quickly sell the portfolio, shift funds between RMBS and CMBS based on market developments, and maintain strong performance in the event of rising interest rates. interest rate and volatility of interest rate spreads. I believe that in the current market environment, this advantage allows the company to be well positioned in the industry, as the government’s fiscal and monetary policy will be an important factor in driving revenue.

Chart of Book Value vs. 30 Year MBS OAS

Book Value vs. 30 Year MBS OAS (Dynex Investor Presentation)

It is currently paying a solid dividend yield of 9.54% based on its current share price. Relative to the current valuation, I think this dividend yield is solid and can be a perfect opportunity to earn stable, secure and fixed long-term returns for retirees and risk-averse investors. Now let’s discuss the sustainability of the dividend payment in the next section.

Solid dividend yield

Dynex Dividend Payout History

Dividend payment history (dynexcapital.com)

DX is currently paying the monthly installment dividend of $0.13 per share, representing an annual payment of $1.56 per share. With the current share price of $16.35, the annual dividend yield is 9.54%, which is very stable, safe and can be a source of fixed income in the current market scenario. Before the covid-19 epidemic, it paid an annual dividend of $1.66, or the return of 10.15% at the stock price level. I think the dividend payment could increase once the uncertainty in the global economy stabilizes. Suppose the dividend payment remains the same for the coming period; Still, the stable dividend yield of 9.54% is very attractive to retirees and risk-averse investors. Now let’s talk about the sustainability of the dividend payment in the years to come.

Balance sheet table

Dynex balance sheet (2Q22 result)

A strong cash position on the balance sheet is essential for sustainable dividend payments. DX currently has $325.7 million in cash or 45% of the current market capitalization of its balance sheet, which constitutes a significant cash position to support the payment of the dividend in the long term. The risk-reward scenario favors the company as demand for residential and commercial mortgages is high relative to historical levels. Currently, the mortgage rate has fallen back below Mortgages at 5% and 30 years are stagnating at nearly 2.77%, which is positive for mortgage demand. However, uncertainty remains regarding interest rates across the economy. After considering all these factors, I think the dividend payout is sustainable in a conservative scenario because even in the past the company has managed to earn a stable income. In the best scenario of stable interest rates, we can expect higher dividend payments.

What is the main risk that DX faces

Fluctuating interest rates

The company may see a decline in profitability during rising rates, particularly hikes in the U.S. federal funds target rate, as borrowing costs may rise faster than coupons on its reset investments or as investments mature . Bond yields should rise immediately once the Federal Reserve declares a higher target range for the fed funds rate or if markets believe it is likely to do so, which will have a negative effect on interest rates. net earnings, dividends, and book value per common share. The market value of securities may be adversely affected by changes in interest rates, which could reduce comprehensive income, book value per common share and cash flow. Since a large portion of its investment portfolio is made up of fixed rate instruments, rising interest rates will reduce the fair value of MBS as the market will demand a higher yield for this type of security. Margin calls from MBS lenders frequently follow declines in fair value, affecting the company’s liquidity.

Prepayments could increase due to lower interest rates, higher amortization costs of premiums paid to purchase investments and lower interest income. Additionally, when market participants consider the possibility of faster prepayment rates in the future, falling interest rates may also lead to a decline in the market value of RMBS. Unexpected and uncertain global political and economic events, such as the COVID-19 pandemic, the Russian-Ukrainian war, international and domestic trade issues or sanctions, could be difficult to predict in terms of impact on interest rates. interest.

Technical analysis and fundamental valuation

Dynex technical sheet

Technical chart (Investing.com)

DX has positive technical indicators suggesting a buying opportunity from current price levels. The stock is trading above its 50- and 100-day weighted moving average (WMA). This reflects a strong upward trend in the stock price. The 50-day WMA has recently crossed the 100-day WMA, which could translate to further momentum in the stock price. DX has a strong support zone at $16 price levels. I think there is limited downside risk from current levels and the stock price can see a solid uptrend. There is no significant divergence on the RSI indicator, but the stock is consolidating in the 50-60 RSI range. This range is generally considered a buy zone. The stock may test the 70 RSI band range soon, which could lead to a rise in the stock price.

DX currently trades at a stock price-to-book ratio of 0.98x versus the market median of 1.22x. DX is trading at a discount to book value at current price levels. I believe in the next quarters; the stock may trade near the sector midpoint price/book value. Now let’s look at the stock’s P/E multiple. The stock is trading at a P/E multiple of 9.05x against the sector median of 10.26x. The stock is undervalued on the P/E parameter, and I believe the stock may trade at a significantly higher P/E multiple of 12x in the near future. With the P/E multiple of 12x and FY2022 EPS estimates of $1.57, we get a target price of $18.84. That’s up 15% from the current stock price of $16.35.


DX has a strong dividend yield of 9.54% and the company has a history of consistent dividend payments. DX is trading at a discount to its book value and is also undervalued on the P/E parameter. I think the stock is a great investment opportunity for investors looking for stable dividend income with limited risk exposure. I assign a buy recommendation for DX based on a high dividend yield at an attractive valuation.

Harvey Weinstein’s new book launch fails, it has only sold 2,600 copies since its release


It seems people have finally had enough of the Harvey Weinstein story: ‘Hollywood Ending’, media journalist Ken Auletta’s new book, fizzled in its first three weeks on sale with just 2,600 copies sold.

NPD BookScan, which tracks print book sales in the United States, reported Thursday that 690 copies were sold last week, the book’s third week of publication. A total of 1,533 copies were sold in the first week, which fell to 375 the following week. This brought total sales to 2,598. (Online sales are recorded separately, approximately two months after a print release.)

It’s “a pretty weak start for a book by a writer of this caliber, on a topic that was so important at the time it happened,” NDP analyst Kristen McLean told TheWrap.

Even on Martha’s Vineyard, where Weinstein once spent his summers in a sprawling vacation home, the local Edgartown bookstore sold just three copies.

“If you want to know why I think it didn’t sell, I guess people are walking away from the hard stuff right now,” Mathew Tombers, director of Edgartown Books, said in an email. “Since the invasion of Ukraine, customers [and I include myself] wanted to stay away from hard, [nonfiction] books” – especially those dealing with “issues of our time”.

When the studio mogul was exposed as a serial rapist and abuser, a media maelstrom sprung into action, producing articles, podcasts, documentaries – and two bestselling books. Auletta, the veteran New York writer who portrayed Weinstein in 2002, finally published his own opus this year.

“Hollywood Ending: Harvey Weinstein and the Culture of Silence” published by Penguin was marketed as a deep dive into Weinstein’s origins, with exclusive interviews, new features and correspondence with the man himself from his prison cell. jail. But since the book was released on July 12, it hasn’t been commercially successful.

“Hollywood Ending” has never made USA Today’s Weekly Top 150 list, nor the New York Times Bestseller list. It currently sits at #6,619 on Amazon Books and #18,465 on Barnes & Noble.com.

Read also :
Weinstein Bio’s Ken Auletta blasts NBC for Killing Story: ‘It’s an outrage – Harvey was so inside’

These numbers are even more dismal compared to the runaway successes of Weinstein’s two major books that preceded it. Ronan Farrow’s “Catch and Kill” sold 44,611 copies in its first week alone, neared 85,000 in its first three, and spent five weeks on the NYT Bestseller list; “She Said,” by Jodi Kantor and Megan Twohey, sold 10,095 hardcover copies in its first week and topped the charts for three weeks, grossing nearly 23,000 copies sold during that time.

Add to that Auletta’s established track record as a bestselling author and a promotional campaign that included an interview on CBS Sunday Morning and other high-profile outlets, and the plot thickens. In an industry as unpredictable as book publishing, timing is everything.

“[Auletta] is a much-loved media reporter,” observed Ed Nawotka, bookseller and international editor at Publishers Weekly. “But this is the third book on a story that once people feel they have a resolution to [it]it’s probably not as salacious.

Although it contains ‘new and nuanced’ information – including a description of a Weinstein victim who was so grotesque it went viral (it had to do with the shape of his member) – ‘Hollywood Ending’ apparently lacks the “breaking news” quality that sent similar headlines flying off the shelves in 2019.

Read also :
Harvey Weinstein victim says disgraced producer smelt, was ‘out of shape’ – but thought he was ‘a Don Juan’

“The problem is [that people] moved on,” Nawotka said. “I don’t mean people don’t care, but maybe they don’t think it’s worth the $35 they would have to spend to find out what those shades are.”

This year’s figures point to the same conclusion. Following the social and political unrest of 2020 (a bumper year for adult non-fiction) and last year’s pandemic-fueled sales boom, the book market has cooled. Overall, adult non-fiction “isn’t selling particularly well this year, especially in these current events-type areas,” McLean said, noting that some subcategories fell below 2019 levels. “There just seems to be a lot of appetite for escapist fiction this year, and not a lot of appetite for some of the more hard-hitting political or current affairs.”

Even titles backed by “an aggressive launch campaign,” like “Hollywood Ending,” struggled to achieve or maintain bestseller status for several weeks.

Additionally, the print edition has been hit hard in the years since Weinstein’s story. Thanks to inflation and the closure of paper mills during the pandemic, production and shipping costs have increased, driving up the price of hardcover books. “Hollywood Ending” sells for $30 at most bookstores.

Although the number of copies ordered by publisher Penguin remains unknown (the company does not share its anticipated sales forecast), “it would not have [been] an insignificant draw,” McLean said.

But Nawotka, publisher of Publishers Weekly, doesn’t consider it a failure. “It’s not great, but it’s not terrible,” he said. “It’s not dead in the water.” To be fair, sales rebounded a bit in its third week, rising from 375 to 690 the previous week.

While the book certainly isn’t on any bestseller list, Penguin could win something in the long run.

Read also :
Carey Mulligan and Zoe Kazan Play the Pulitzer-Winning Reporters Who Shot Harvey Weinstein in ‘She Said’ Trailer (Video)

“What you pay for with the book is not necessarily a single object. You pay for a relationship with the author,” Nawotka continued. “There are a lot of side benefits to working with someone as prestigious as Ken Auletta, on [a] topic as big as the Harvey Weinstein scandal, even if you’re not explicitly selling books.

That doesn’t mean the fate of “Hollywood Ending” is sealed. A social media resurgence could mean a boom in sales, as is the case with older books that have gone viral on “BookTok”. And Weinstein has yet to step out of the headlines.

Auletta’s tome landed on shelves a month after the New York Supreme Court decided to uphold her 23-year prison sentence. On October 10, he will face 11 charges of rape and sexual assault at a trial in Los Angeles, likely propelling his name into conversation.

“If there are events in the future that bring it to mind, then it will sell again, or it will sell in reaction to that,” McLean agreed. “This book is not going to run out.”

What, if anything, does “Hollywood Ending” say about the future of #MeToo storytelling? For one thing, publishers place great importance on “mock titles” or books on comparable topics, when deciding what to bet on next.

“It tends to be a following market, in the sense that if there’s a great vampire book published, you’ll see a lot of vampire books published,” McLean explained. “But also, if you see a book that was expected to do well in one area and surprises people with poor performance, I’m sure that’s taken into account.”

Still, Nawotka thinks there are many, many more #MeToo stories waiting to be told: “The question is, does the public have an appetite for them?”

What you need to know about new Phillies Noah Syndergaard, David Robertson and Brandon Marsh


The Phillies acquired three pieces on Tuesday in hopes of ending their 10-year playoff drought. Here’s a closer look at those players, including why one guy jokingly calls his Philadelphia trade “awkward.”

  • Flew under the scouting radar until having a growth spurt during his senior year of high school. With scholarships to top baseball schools, Syndergaard was heading to Dallas Baptist University before the Blue Jays selected him with the 38th pick in 2010. Detroit took Nick Castellanos six spots later . Bryce Harper went No. 1 that year at Washington, JT Realmuto 104th at the Marlins. The Phillies drafted Jesse Biddle 27th.

  • Syndergaard, a right-hander, grew up in Mansfield, Texas, a suburb of Dallas and a town known for its love of rodeo.

  • Syndergaard’s ancestors moved from Denmark to Iowa in the 1800s, according to the Des Moines Register, where his father, Brad, was raised on a farm before moving to Texas. “Noah will tell you on this day that all he learned [about] playing ball came from his father,” Syndergaard’s mother, Deb, told the Register in 2015. “His father has been his coach throughout the years.

READ MORE: Syndergaard to make Phillies debut against Nationals on Thursday

  • It’s mostly a moot point because the designated hitter came to the National League, but Syndergaard has hit six home runs in his career, including his first in 2015 against Sean O’Sullivan of the Phillies.

  • He is sure Twitter to @Noahsyndergaard and on Instagram at nsyndeergard.

  • After being acquired by the Phillies on Tuesday, Syndergaard tweeted a video of his 2017 prank when, as the Met, he stole the Phillie Phanatic’s ATV with the caption, “well, that’s embarrassing.”

  • Posted a similar video from when he was ejected for throwing behind Chase Utley when Utley was with the Dodgers. Seems to have the temperament to play here very well.

  • Her flowing blonde hair goes well with her nickname, “Thor.” He is 6ft 6in and weighs 230lbs and is known to dress up as the mythical Greek god of thunder.

  • Appeared in the HBO hit game of thrones and nicknames his baseball gloves after TV and movie characters.

  • Signed a one-year, $21 million contract with the Angels in the offseason, although he missed most of 2020 and 2021 after Tommy John’s surgery. Was 5-8 with a 3.83 ERA with LA this season. The Angels have scored under three in six of his last eight starts, including his last appearance when they were stripped by Kansas City on July 25. Syndergaard allowed a run in 5⅔ innings.

  • Underwent surgery just as the pandemic was exploding (March 26, 2020). With so much idle time, Syndergaard started a book club. One of his selections last year was All colors are out by former Inquirer sportswriter Kate Fagan. Fans can join the club by SMS the number listed on his social media pages817-953-2575.

  • The Angels naturally watched his workload, allowing Syndergaard to hit 100 shots just once in 15 starts.

  • Made five playoff starts with the Mets, including Game 3 of the 2015 World Series when he allowed three runs in six innings for the win. The Phillies’ top two starting pitchers — Aaron Nola and Zack Wheeler — have yet to pitch in the playoffs.

READ MORE: How ESPN and others rank Phillies trade deals, including Noah Syndergaard arrival

  • Was the closest for the United States at the 2014 Futures All-Star Game and salvaged the save when Maikel Franco made the final.

  • Went 2-2 with a 5.71 ERA in six career starts at Citizens Bank Park with 13 walks in 28⅔ innings. Syndergaard last pitched to CBP in 2019 when Franco caught him. Franco is now with Washington, Syndergaard’s opponent in his Phillies debut on Thursday.

  • This will be his second stint with the Phillies. His first, of 2019-20, was wiped out by injuries and setbacks. It cost the Phillies $25 million for the seven games he pitched.

  • The postponement of the 2020 Olympics to 2021 paved the way to the big leagues for Robertson, who won a silver medal for Team USA and turned that experience into a contract with the Rays last August.

  • Lance right and turned 37 in April. Twitter handle is @DRob30.

  • Appeared in 33 postseason games, most of his days with the Yankees. Was a preparer when New York beat the Phillies in the 2009 World Series. Robertson has allowed no runs in his last seven playoff appearances, including three last season with Tampa Bay.

READ MORE: David Robertson’s comeback odyssey: From a men’s league at the Olympics to a return to the Phillies

  • Had a good season for the Cubs with 14 saves, 51 strikeouts and 19 walks in 40⅓ innings.

  • Negotiates own contracts. Has a one-year, $3.5 million contract for 2022.

  • Founded the charity High Socks For Hope (a nod to his uniform) following the 2011 tornadoes that devastated Tuscaloosa, Ala. This winter, the foundation purchased furniture for an unlucky US Army veteran.

  • Excellent defensive player who, at 24, is still developing offensively. Played only 163 career games and is under contract until 2027.

  • Was a second-round pick of the Angels in 2016, the same year the Phillies were supposed to select their center fielder of the future – Mickey Moniak – with the No. 1 overall pick. Moniak was sent to the Angels for Syndergaard.

  • Went 1 for 12 when the Angels were swept by the Phillies at Citizens Bank Park in June. Had eight homers in 292 at-bats for LA this season, hitting .226 with a .637 OPS.

READ MORE: Phillies tread water in Netherlands at trade deadline, despite additions

  • Played at Buford High School (Ga.) with San Francisco Giants catcher Joey Bart. Marsh was also a wide receiver/cornerback who helped Buford win two state football titles.

  • Is on Twitter @Brandon_Marsh22 although he doesn’t tweet much. The Angels announcement from six years ago remains pinned on his account.

  • Made his major league debut on July 18, 2021, about three months after his father, Jake, died of cancer. Jake Marsh was the AP announcer for Brandon’s high school games and his mom, Sonja, and sister Erin brought dad’s ashes to Angel Stadium that day for an emotional hug after the game.

  • “The enormity of it all was heavy but happy,” Sonja told the Los Angeles Times. “We were just like, ‘See, you did it. You did it Brandon. You know he’s so proud of you.

Texas Leadership Program welcomes new cohort

Governor Dolph Briscoe Jr. Texas Agricultural Lifetime Leadership ProgramBIG, part of Texas A&M AgriLife Extension Servicerecently welcomed 26 new cohorts at a reception held at the Texas A&M AgriLife Center on the campus of Texas A&M University in College Station.

TALL is a two-year program and offers an intensive study of agriculture around the world, helping industry professionals to become leaders in their fields.

“The program invests 470 hours of intensive training per person through seminars, guest speakers, and domestic and international study tours over two years,” said Jim Mazurkiewicz, program director, Bryan-College Station. “Class time is equivalent to earning a master’s degree in agriculture.”

See, Southwest Leadership Programs Train the Next Generation of Farmers

Participants represent a cross section of professional interests, including traditional crop growers, ranchers, bankers and lawyers, as well as those working in the timber, food processing, agricultural companies and horticultural industries. Participants come from all geographic regions of Texas.

“Ninety-five percent of TALL graduates stay in agriculture after completing this program and 100% say this program has helped them find employment opportunities and take on leadership roles,” Mazurkiewicz said. .

Texas Agricultural Lifetime Leadership cohorts Mauricio Garcia of McAllen and Tillery Sims of Lubbock at the recent reception held at the AgriLife Center on the campus of Texas A&M University in College Station. (Texas A&M AgriLife Communications and Marketing photo by Blair Fannin)

“I know you will change and help change people after you complete this program,” said Dan Hale, associate director for agriculture and natural resources, AgriLife Extension, at the reception. “We would also like to thank everyone who supports this excellent leadership program. »

TALL XVIII cohort:

  • Daniel Alders, Tyler, president of Drake Management Services LLC and co-owner of Alders Enterprises, which has timber and mineral interests. It also produces poultry, beef and wood.
  • Lance Barnett, Tuscola, Vice President of Commerce, Pyco Industries Inc., a cottonseed cooperative serving 60 member gins in the southern United States with two cottonseed factories.
  • Brandon Benton, Bishop, General Manager, South Texas Farm-King Ranch Inc., which operates cotton and sorghum farm production and an agricultural cotton gin.
  • Jayci Bishop, ext, director of corporate communications, Plains Cooperative Association and partner of A&J Bishop Farms LLC, which produces dryland and irrigated cotton.
  • Jennifer Bremer, Elgin, Executive Director, Texas Land and Mineral Owners Association, which provides services to agricultural producers through state-level policy development.
  • Jon Cluck, Ozona, Foreman, Cameron and Oliver Ranch Co. LLC, a sheep, goat and beef cattle production, marketing and management company. Cluck also maintains habitat for wildlife.
  • James Dangelmayr, Muenster, commodity futures broker, Producers Trading Co. and ranch manager for Dangelmayr Brothers Cattle, which provides producer risk management and produces beef, corn, wheat, sorghum, oats and hay.
  • Mauricio Garcia, McAllen, Merchant, Garcia Grain Trading, which operates grain elevators and markets cottonseed, edible beans, corn, sorghum, sesame, canola, sunflower, rice, soybeans, beef and lamb.
  • Robyn Lemon, College Station, Public Relations Specialist, Capital Farm Credit, who represents the company’s external/internal communications and provides relationship management and agribusiness development.
  • Reina Lewis, Lubbock, Regional Sales Manager, Central Life Sciences Lewis, who is responsible for overseeing and managing distribution accounts while pursuing new business with producers.
  • Mark Limon, Harlingen, relationship manager, Texas Farm Credit, which is responsible for providing loans and services to customers growing cotton, sorghum, spinach/scallions, sugarcane and citrus.
  • Thomas McNutt, Corsicana, Partner/Executive Vice President, Collins Street Bakery, which is the world’s largest producer of fruitcakes, sourcing food from around the world. McNutt is also a co-owner of Navarro Pecan Company.
  • Rhett Rabenaldt, Point, owner/COO, R&B Property Preservation LLC, which runs a full-time commercial spray operation, produces beef, poultry and hay, and a part-time tree nursery/timber harvest .
  • Tyler Randolph, Amarillo, Chief Loan Officer/Senior Vice President, First State Bank of Amarillo, which lends to customers growing corn, cotton, wheat, sorghum, alfalfa, canola, vegetables, beef and dairy products.
  • Jacyln Roberts, Tokio, Executive Director of Communications and Marketing, Texas and Southwestern Cattle Raisers Association, who with her family grows cotton, corn, peanuts and watermelons.
  • Kodie Sageser, Kress, co-owner of Drew and Kodie Sageser Farms and Sageser Cattle, which produces corn, cotton, sorghum, wheat and silage and owns a starter yard for beef calves.
  • Courtney Schmidt, Victoria, Protein Sector Manager, Wells Fargo, co-owner of Double S Interests LLC, which provides risk analysis and research on industry, beef, corn and cotton production.
  • Tillery Sims, Lubbock, Owner, Sims Land Service, Owner/Operator, MACMark Consulting LLC, which provides business advice and development to companies entering the hemp-primary agriculture business.
  • Ryan Skrobarcyzyk, Round Rock, Director of Legislative and Regulatory Affairs, Texas Nursery and Landscape Association, which assists horticultural growers and landscape contractors with state and federal regulatory policies.
  • Andrew Sprague, Lubbock, member communications area manager, Plains Cotton Cooperative Association, and owner of Sprague Cattle Company, which produces beef cattle.
  • Addie Stone, Austin, Policy Specialist – Legislative Affairs and External Relations, Texas Department of Agriculture, who oversees legislative affairs and external relations for Texas Agriculture Commissioner Sid Miller and the department.
  • Zane Thornton, La Vernia, owner/operator of Thornton Ranch and engineer at Baker Hughes, which produces beef and wildlife management in addition to serving the oil and gas industry.
  • Jake Troutt, Monteverde Court, Territory Manager, Neogen, which focuses on bovine genomics sales by helping breeders improve genetics through risk management and economic decision-making.
  • Trent Tyson, Canyon, senior vice president and branch manager, Plains Land Bank FLCA, which lends to customers growing corn, cotton, wheat, sorghum, alfalfa, canola, vegetables, beef and dairy products.
  • Darrell White, Armstrong, assistant regional manager, Norias-King Ranch Inc., which produces beef and manages forage resources.
  • Jessup Yeaman, Uvalde, Vice President and Branch Manager, Texas Farm Credit, which is responsible for providing loans and services to beef, cotton, grain and vegetable farming clients. It also produces beef and lamb.

Capital Farm Credit was the presenting sponsor of the event.

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Bookstore Software Market Projections Highlighting Key Trends Through 2028 Cryptocurrency


New Jersey, United States,- The Global Library software market research offers in-depth analysis of the market throughout the course of the rising projection. The study includes a variety of further sections such as a review of opportunities and parties that are likely to have a serious impact in the future. This study offers a comprehensive analysis of the Global Library Software Market. The market projections area unit of the report relies on substantial secondary analysis, primary interviews, and in-house professional assessments. These market projections were created by analyzing the implications of various social, political, and monetary variables for the global Library Software market in addition to existing market dynamics.

The chapter also includes Porter’s Five Forces Analysis which explains the 5 forces in the global Bookstore Software market along with buyer and supplier discussion power, latest entrants danger, substitutes danger, as well as than the level of competition between competitors. The market summary also includes market dynamics. The competitive framework of the global Library Software market is another topic covered in the report.

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The analysis also outlines the forecast for the global Bookstore Software Market value and volume throughout the forecasted amount. It contains an in-depth review of the past Library Software market as an analysis of the future chances. To help readers better understand the state of the business at this time, this document also includes an in-depth analysis of the COVID-19 pandemic.

The global library software market is bifurcated into segments supported by sorting, end-use activity, and application. By dealing with the expansion among the different segments to inform about the different growth variables predicted for the company as a whole, you will use various techniques to help uncover important application areas as well as variations in your target markets. While assessing market competition within the global Library Software Market, we tend to take into consideration the distinctive summary, business description, product portfolio, major financials, and so on. of each company.

Key Players Mentioned in the Library Software Market Research Report:

Key players:

  • NetSuite
  • ShopKeep
  • Epos Now
  • Retail at reduced speed
  • Detail
  • AmberPOS
  • AIMsi
  • fat dealer
  • Square for retail
  • GoFrugal
  • Retail
  • GiftLogic

Segment by types:

  • On the site
  • Cloud-based
  • Market

Segment by applications:

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Scope of Library Software Market Report:

Report attribute Details
Market size available for years 2022 – 2029
Base year considered 2021
Historical data 2018 – 2021
Forecast period 2022 – 2029
Quantitative units Revenue in USD Million and CAGR from 2022 to 2029
Segments Covered Types, applications, end users, and more.
Report cover Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
Regional scope North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
Scope of customization Free report customization (equivalent to up to 8 analyst business days) with purchase. Added or changed country, region and segment scope.
Pricing and purchase options Take advantage of personalized purchasing options to meet your exact research needs. Explore purchase options

Regions are covered in Library Software Market Report 2022 to 2028

For a comprehensive understanding of market dynamics, the global Library Software market is analyzed across key geographies, namely: North America (United States, Canada, and Mexico), Europe (Germany, France, United Kingdom , Russia and Italy), Asia-Pacific (China, Japan, Korea, India and Southeast Asia), South America (Brazil, Argentina and Colombia), Middle East and Africa (Saudi Arabia, United Arab Emirates, Egypt , Nigeria and South Africa). Each of these regions is analyzed based on market findings across major countries in these regions for macro-level market understanding.

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Reasons why you should get this report:

It is a competitive situation to modify which gives an analysis.

By providing an advised call – creation, the company provides analytical insights alongside a strategic design methodology for analysis.

Researchers shed light on market dynamics such as drivers, restraints, trends, and opportunities.

We have a variety of relationships in our company profile with the native analytical library software we offer.

Provides an analysis of the library software.

There are major product segments that help you find out.

It provides an inordinate amount of information regarding trending factors that may affect the progress of the library software.


Introduction of Global Library Software Market

– market summary

– Scope of the report

– Hypotheses

Executive Overview

Market Research Intelligence Research Methodology

– data processing

– Approval

– Primary interviews

– List of sources of information

Global Library Software Market Outlook

– Insight

– Market dynamics

– Drivers

– Constraints

– Opportunities

– Porters 5 Force model

– Value chain analysis

Global Library Software Market, By Product

Global Library Software Market, By Application

Global Library Software Market, By Earth Sciences

– North America

– Europe

– Asia Pacific

– rest of the planet

Global Library Software Market Competitive Landscape

– Insight

– Company market ranking

– Key development methods

Company Profiles


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The bookseller – News – Daunt, Norton and Rentzenbrink will be present at the BA conference


James Daunt, Graham Norton and Cathy Rentzenbrink are among the attendees of the Booksellers Association’s annual conference and Gardners trade show, which will take place September 18-19.

The combined event will open with an “author’s breakfast” chaired by Rentzenbrink and sponsored by Bloomsbury, followed by a welcome from new BA President Hazel Broadfoot.

Meryl Halls, BA doctor, will provide an update on the body’s activity, followed by keynote speeches from Waterstones doctor Daunt and author and broadcaster Graham Norton.

The BA will host two Skills Lab sessions, sponsored by Bookshop.org, which will provide development training for booksellers, with session topics to be announced shortly. The afternoon will see publishers present their flagship autumn and spring titles to booksellers, while the day will close with the Booksellers’ Trophies and an aperitif. A closing dinner will be held for BA members only, sponsored by Pan Macmillan.

A panel from Nielsen will present the results of research, commissioned by the BA, examining how books fared during the recession of the late 2000s and consumer attitudes towards books in the current economic climate.

The Gardners Show will open with a keynote address from Nigel Wyman, Director of Sales and Marketing, followed by guest speakers Laurence Llewelyn-Bowen, Raynor Winn and Andrey Kurkov, followed by a luncheon sponsored by Usborne Publishing.

During the afternoon, there will also be author signing sessions. More than 50 publishers will showcase their new titles at their event, while Gardners will kick off its ’12 Weeks of Christmas’ promotion. This will be followed by an afternoon tea and “New Voices” session, sponsored by HarperCollins, featuring three first authors, as well as an Independent Alliance conference dinner for all delegates.

The event will also have an app that delegates can access. The app, sponsored by Edelweiss, will provide attendees with additional details, program, schedule and speaker information.

Halls said: “We are delighted to welcome booksellers and publishers back to the BA Conference and Gardners Show in September. This year’s program offers a range of networking and learning opportunities, with best-selling author Graham Norton delivering the author’s keynote and James Daunt sharing his unique insights into selling books at the global scale. Our popular skills labs will also return, providing booksellers with tailored training opportunities to help them propel and equip their bookstores for today’s retail landscape. After several difficult years, we hope that this year’s event will provide an opportunity for booksellers to come together to share stories, offer ideas and reconnect as a community.

Wyman added, “The trade show is one of our favorite events on the calendar, we look forward to meeting again with our existing and new customers. We’ve built a stellar roster of guest authors and over 50 exhibitors on board, including some non-bookseller vendors. The Gardlink team will be on hand for all your inventory control and epos needs. We are delighted to once again be working with the BA on this event, we strongly believe that the partnership between Gardners and the BA provides booksellers with a few days full of value.

As in previous years, Gardners will sponsor booksellers to attend the annual event free of charge.

The show will take place at Jurys Inn Hinckley Island, Hinckley, Leicestershire. Interested booksellers can register now.

Stand-alone stores usher in next-gen retail for the EU


Just over a decade ago, self-service checkout technology began to become mainstream in Europe.

Since then, the cashierless retail experience has gained traction in the region as self-service options increasingly branch out into other retail sectors. Associated payment technologies, namely pay-at-the-pump and touchscreen fast food ordering kiosks, are now commonplace across the continent, supported by reduced staff and shorter queues.

To shift gears and improve the self-checkout experience, a number of companies have developed cutting-edge artificial intelligence (AI)-powered solutions that hint at what the future of commerce might look like. in-store retail after self-purchase. checkout terminals.

Amazon’s “Just Walk Out” technology has led the charge in this regard, with the company rolling out cashierless technology to Amazon Fresh Stores in the US and UK.

See also: Amazon’s ‘Just Walk Out’ cashierless technology is gaining momentum with a new grocery store

Amazon’s smart grocery stores use a store-wide network of sensors and AI to track exactly what people are adding and removing items from their carts in real time. When shoppers are ready to leave, their connected accounts are automatically debited, instead of having to physically pay with a cashier or use a self-service kiosk.

Smart payment in Europe’s largest grocery chain

Europe’s largest food retailer, Carrefour, has also ventured into the AI-assisted shopping game.

The French multinational has launched its own smart payment system which uses a similar system of cameras and scanners to monitor what shoppers have picked up from the shelves. The first Carrefour “Flash 10/10” concept store opened in Paris last year after the technology was tested in a Carrefour City+ in the Mall of the Emirates.

Read more: Carrefour’s Digital-First expansion brings cashier-less technology to French shoppers

Where Carrefour’s Flash 10/10 stands out from other AI-based checkout solutions is that there are no barriers to entering the store, and customers don’t have to no need to create an account or pre-configure an account with a connected card or a bank account to be able to shop.

Shoppers who enter are tracked anonymously in the form of a virtual avatar, making it easy for anyone to shop at a Flash 10/10 store without a Carrefour account.

Instead of doing away with payment terminals altogether like Amazon’s Just Walk Out technology does, Carrefour has kept self-service payment terminals with traditional payment options, but in a simpler format.

Rather than requiring customers to scan each item individually, the kiosk already knows what they’ve picked up, letting the customer simply pay with their card, mobile wallet, or cash before leaving.

Related: German grocery chain Rewe opens standalone store in Berlin

In June, it was announced that Rewe, Germany’s second-largest grocery chain, and Israel-based computer vision company Trigo had rolled out a second hybrid self-driving grocery store with a checkout-less experience in Berlin, a year after the launch of the first one in downtown Cologne.

Additionally, earlier this year, Polish convenience giant Żabka Group announced that it had completed the opening of a chain of 25 stand-alone stores using contactless, AI-powered computer vision technology.

Other European supermarket chains such as Tesco, Sainsbury’s and Aldi are all piloting some version of AI-based frictionless shopping technology, a clear indication that contactless, frictionless and self-driving commerce is ushering in the future. retail for European buyers.

Giving a mobile touch to computer vision

Part of the reason that self-checkout kiosks have taken so long to reach the mass market is because of the significant costs associated with purchasing the digital hardware required to use this technology.

But German startup Nomitri is counting on a much cheaper intermediate step between the current European standard and the future of a fully automated shopping and payment experience.

The Berlin-based company, which seeks to disrupt the retail POS market, provides brick-and-mortar retailers with a low-cost, low-cost payment solution that shoppers can download to their mobile phone, without the need for a install multiple cameras or sensors. in stores or supermarkets.

See also: Low-cost self-checkout system aims to disrupt retail POS market

“We understand that retailers don’t have the money to invest in all of this infrastructure up front, nor do they have the time and IT sophistication to put all of this in place,” said the company’s co-founder and CEO, Trinh Le-Fiedler, told PYMNTS in an interview.

Read more: Biometric payment on the horizon for UK shoppers

Much like the high-tech smartstore model, Nomitri uses computer vision to automatically detect items without the need to scan a barcode.

However, as the startup integrates its AI technology into a mobile-friendly software solution, all retailers need to do is attach smartphone holders to their shopping carts to allow customers to easily scan items with their devices. mobiles.

For all PYMNTS retail and EMEA coverage, subscribe daily Retail and EMEA newsletters.



About: Results from PYMNTS’ new study, “The Super App Shift: How Consumers Want To Save, Shop And Spend In The Connected Economy,” a collaboration with PayPal, analyzed responses from 9,904 consumers in Australia, Germany, UK and USA. and showed strong demand for one super multi-functional app rather than using dozens of individual apps.

Turn to Him Who can repair all faults and heal all wounds


Broken But Not Destroyed stands out because it gives hope to those who feel discouraged, broken, abandoned, helpless, hopeless and depressed that all is not lost

Author Constance D. Dixon continues to inspire readers to look to God for answers with Broken but not destroyed ($19.99, paperback, 9781662854897; $9.99, e-book, 9781662854903).

The first two books in this series focused on dealing with abuse and reflecting God’s image. In this final volume, Dixon encourages readers to develop a stronger connection with God in order to seek restoration from their brokenness.

“Broken But Not Destroyed stands out because it gives hope to those who feel discouraged, broken, abandoned, helpless, hopeless and depressed that all is not lost,” Dixon said.

Evangelist Constance D. Dixon is a wife, mother, grandmother, and human resources administrator with a dual bachelor’s and master’s degree. She is also the author of How Can I Escape and Enemy in the Mirror.


Xulon Press, a division of Salem Media Group, is the largest Christian self-publisher in the world, with more than 15,000 titles published to date. Broken but not destroyed is available online at xulonpress.com/bookstore, amazon.com and barnesandnoble.com.

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“Like the best black practitioners, Murphy uses mystery as scaffolding to piece together a world of fallen dreams and doomed characters. . . Murphy’s harsh rendering of the city is simply exquisite . . . For anyone who wants a portrait of this New York, few recent books have evoked it so vividly.” —The New York Times book review

A sharp and stylish debut from the editor of CrimeReads in which an unwitting private detective finds himself caught in a crime of obsession between a reclusive literary superstar and her bookseller husband, paying homage to the black genre as cleverly as he reinvents it

After leaving the comforts and chains of a prestigious law firm, a restless attorney makes ends meet in mid-2000s Brooklyn by taking odd jobs with a colorful assortment of clients. When a mysterious woman named Anna Reddick shows up at her apartment with ten thousand dollars in cash and asks her to find her missing husband, Newton, an antiquarian bookseller who she believes has stolen rare true crime volumes from his collection, he hopes he will. be a quick and easy case. But when the real Anna Reddick – a magnetic but unpredictable literary prodigy – lands on his doorstep with a few bones to pick up, he finds himself out of his depth, drawn into a series of deceptions involving Joseph Conrad novels, unscrupulous booksellers, aspiring strollers and seedy real estate developers.

With New York as a backdrop at the end of the analog era and immersed in the worlds of literature and bookstores, an honest life is a gripping story of artistic ambition, obsession, and the petty crimes we commit against each other every day.

A SOJOURNER’S VIEW: Mirahan – A Zamboanga Gathering of Book Lovers


(An excerpt from the lecture that Brother Karl Gaspar gave during the Zamboanga Book Fair held at the Ateneo de Zamboanga University on July 29, 2022)

The global context that determines the current state of the production, appropriation, dissemination and popularization of knowledge – which has for so long been dominated by the availability of books and other publications generally accessible through the room classrooms and libraries – has shifted to other platforms, thanks to the advent of the information age and computer technology. In this post-colonial and post-modern era, radical changes have taken place in this field with their impact on our approaches to knowledge acquisition.

Everyone knows that today the distribution of knowledge has radically changed. Due to major technological developments, the forms and methods of disseminating and communicating information have thus been revolutionized. Just consider the changes that have taken place over the centuries, from oral tradition to the invention of the press, to the rise of the telephone, radio, cinema and television, and – over the past few decades – to the explosion in the use of the Internet, all of which have extended our channels of communication, as well as the dissemination of knowledge.

These processes moved along the four stages of the Industrial Revolution (from the first – with the rise of the use of coal transforming the agricultural economy to an industrial one in the 1760s, the second with gas and oil in the 1870, the third with electronics and nuclear at the end of the 1960s and finally with the Internet and its digital platforms and the renewable energies of the new millennium. With the advent of a new industrial era constituted by the digital revolution, the knowledge has become the engine of most modern economies.

Two social theorists have commented on this reality. According to Manuel Castelles, knowledge is a series of networks and flows and that today there is more emphasis on knowledge as a product rather than as a process, which is born not only in the minds of peoples but in their interactions with each other. For Jean-François Lyotard, what was the traditional way of acquiring knowledge that formed the mind also becomes obsolete and with it, the idea of ​​knowledge as a set of universal truths. For him, there are many truths, many knowledges and many forms of reason leading to the dissolution of the boundaries between traditional disciplines.

If there is no doubt that humanity has benefited from the benefits of the Internet (for example: imagine if there was no Internet during the two-year period of our isolation due to COVID-19) , there are those who also warn us of his shadows and ugly features. But no matter where we are in this debate, for those with a critical mind, there is no doubt that the shadow of the Internet has polluted our democratic framework, particularly in relation to the way we have conducted our processes. electoral.

There is still a need to maintain traditional forms of knowledge production and dissemination. We cannot simply abandon what was once the primary source of knowledge that has helped nurture our sense of humanity by helping us grow in age, grace, and wisdom. Books and publications will always have a place in humanity’s quest for peace, freedom and justice. This is why society will always need authors and writers who, in turn, need all the institutions that help to disseminate their works, from publishers to libraries. In a country like the Philippines where spaces for such dissemination are limited, organizing a book fair is a way to bring writers and readers closer together.

From July 27 to 29, the ADZU Center for Culture and Arts and Aklat Alamid, with the help of the National Book Development Board, organized Books Zamboanga on the theme – “Mirahan: Kitaan and Palitan of Salaysay of Paglikha and Pagtaguyod of Panitikan in Mindanao.” The organizers succeeded in bringing together creators and advocates of books, reading and literature from the Zamboanga Peninsula and other regions of Mindanao to encourage the production and promotion of original content from the regions of the Philippines.

Needless to say, this kind of event is so important for those of us who wish there was more encouragement for our writers and all those connected to this field, especially those in the millennial generations. and GenZ. Such an event also helps to encourage writing on the outskirts of the country, as more authors from our regions need to be visible across the country.

Why should we in the Mindanao-Sulu regions assert our visibility and voice in the landscape of Philippine publications and literature? Because, unless it was schooled only in the colonial era, the post-colonial era has shifted its focus from the global to the local, from the center to the periphery, from the western to the indigenous, from the dominant towards the dominated. For years, these dualities have been challenged by those who construct and/or promote postcolonial and decolonial theories in both social science and literary circles. Authors, writers and journalists are naturally the most vehement in the appropriation of these theories as they are the most assertive in expressing themselves in writing!

Fernand Braudel theorized it in his book – The view from the periphery (Out of Italy, Europa, 2019): “It is sometimes said that light cast from the margins is best, that a complex whole can best be understood from its outer limits.” In a situation where “every fact, every event has been painstakingly studied by generations of dedicated historians, the perspective of the periphery, of the diaspora, can bring new clarity to developments at the center”.

The region formed by the Zamboanga Peninsula, the Sulu Archipelago and the Basilan over the years has been a major source of interest for researchers, writers and authors. As early as the Yuan dynasty (1268-1638), Chinese sources indicate tributary missions from Sulu to China, and in 1417 such a mission reached the heavenly court as recorded in the Ming Annals. It was not until the 18th century that Sulu-China reconnected through diplomatic and commercial activity. As recorded in the Ching Annal, five separate tribute missions were sent by the sultans of Sulu (between 1727 and 1763). This trade has been extensively documented in James F. Warren’s book – The Sulu Zone: The Dynamics of Foreign Trade, Slavery, and Ethnicity in the Transformation of a Southeast Asian Maritime State, 1768-1898.

The strategic location of the Western Mindanao region in Southeast Asia – located along the route from the Gulf of Davao to the Celebes Sea towards the Indian Ocean via the Strait of Malacca – has made this region conspicuous as galleons crossed the seas in search of the legendary Spice Islands. Portugal and Spain in the 16th century were competing to be the first to control the fort of Malacca to monopolize the spice trade which then fueled the world economy, apart from their desire to suppress Islam.

Thus, armed encounters with Muslims that included military expeditions to Borneo and Mindanao led to the Moro Wars from the mid-1500s to the late 1800s. Unfortunately, these wars persisted even after our independence, escalated under the Marcos regime from the Jolo fire in 1974 and remained turbulent until recently.

Geographically and historically, this region is a minefield for research and publications. This apart from its rich cultural heritage, given the rich mix of nationalities, ethnicities, cultural traditions and religious systems. This explains the presence of the Tausug, Yakan, Jama Mapun and various Samas who cover various groupings of Sama-Bajau speaking peoples present in a vast maritime area. Bajau is the most commonly used term, but in some cases the name is used pejoratively, which is why it is better to call them Sama- or Orang-Dilaut.

There are also the Sama or Samal Banguingui. Together with the Iranun, they were said to constitute the bulk of the Sultan’s navy, engaged in raids on the colonies in the northern Philippines, as well as the neighboring coasts of Borneo and were also involved in piracy and trafficking slaves during the 18e/19ecenturies. With their garay and long warships, they could easily outrun the Spaniards on the high seas.

Over the years, there have also been migrations from other parts of the world, including the Chinese, which explains the presence of Chinese ancestry among the citizens of Sulu today. Between 1770 and 1800, 18,000 Chinese came from southern China to trade and many of them stayed. Visayan settlers also eventually arrived in the archipelago, which explains the presence of Christians.

With all these nationalities and ethnicities, there was bound to be a mix of different languages ​​and many who lived in this area – especially those who traded – had to be able to communicate in different languages. With the establishment of a colony of Spaniards and Mexicans as well as the arrival of laborers from Manila and Visayas to help build Fort Pilar, a pidgin Spanish eventually developed into a full-fledged Creole language for Zamboangeňos , known as Chavacano.

It remains our hope – that voices from below will continue to assert themselves among the Zamboanguenos and other peoples of this region who – although on the periphery of our nation – could still attest to why the margins are as important as the center !

At the same time, we hope that institutions like the National Book Development Board, other government agencies that are supposed to encourage more research and publications such as CHED, NCCA and DOST can allocate more funds that will enable our young scholars to launch into publications.

The same challenge goes to our higher education institutions in the region who should push more professors and graduate students to publish not just with words but with budgets!

[MindaViews is the opinion section of MindaNews. Redemptorist Brother Karl Gaspar is a professor at St. Alphonsus Theological and Mission Institute (SATMI) in Davao City and until recently, a professor of Anthropology at the Ateneo de Davao University. Gaspar is Mindanao’s most prolific book author. He writes two columns for MindaNews, one in English (A Sojourner’s Views) and the other in Binisaya (Panaw-Lantaw). Gaspar is a Datu Bago 2018 awardee, the highest honor the Davao City government bestows on its constituents.]

Corporate America adopts IOUs at the end of free money

Blue chip companies that need to borrow in the United States are now increasingly relying on commercial paper to avoid locking in longer-term borrowing costs in a turbulent market.
The total amount of such outstanding IOUs has soared to nearly $1.2 billion this year, up more than 20% from its 2020 lows, IT giant Apple Inc and owner of the Kinder Morgan Inc. pipeline among those who tapped the market more this year. year. At the same time, investment-grade companies are relying less on longer-term debt markets, with sales of investment-grade corporate bonds falling around 7% in 2022, according to data compiled by Bloomberg.
If you exclude banks and other financial companies, sales of this type of debt in the first half of this year were the weakest since at least 2016, according to BMO Capital Markets. Companies are essentially betting that the Fed will get inflation under control and that longer-term rates will stabilize after rising for much of the year.
“All of this volatility is causing companies to try and ride it out with issuing commercial paper as a placeholder for them until things start to calm down,” said Peter Yi, director of fixed income at term and head of credit research at Northern Trust. Asset Management, which oversees approximately $1.2 billion.
By reclaiming commercial paper, companies are returning to a market that is used to stalling during systemic crises. But lately, borrowing in the longer-term markets has become trickier than usual.
There were around 49 days in 2022 when no companies sold corporate bonds, which may imply the market was essentially closed, compared to 12 days in the same period last year, according to compiled data. by Bloomberg News. An index of bond market volatility, the ICE BofA MOVE Index, had climbed to 128.27 on Monday from 77.1 at the end of last year.
The Fed is in tightening mode – officials are widely expected to raise the central bank’s benchmark by 0.75 percentage points in its next decision on Wednesday, so rates on the shorter parts of the curve loans are not expected to recede anytime soon. The longer-term outlook is harder to predict, especially if rate hikes end up pushing the economy into a slump.
There are already early signs of a potential recession, including an inversion of key segments of the Treasury yield curve and news this week from big-box retailer Walmart Inc that shoppers are cutting spending. This kind of macroeconomic uncertainty made many investors reluctant to buy longer-dated corporate bonds from companies that were willing to venture into the market.
Meanwhile, increased investor demand for commercial paper has made financing relatively cheap for companies in this market. For example, borrowing for 30 days in the commercial paper market may cost around 2.25% as of Monday, while yields on investment-grade bonds maturing in one to three years averaged around 3. .95%. The spread between these two rates – a measure of CP’s market borrowing savings – is significant compared to the averages of the past five years.
“I think supply has followed demand here, and that reflects the big gap in commercial paper rate pricing relative to the initial bond market,” said JPMorgan Chase & Co. strategist Nathaniel Rosenbaum.
Banks have been major sellers of commercial paper for years, but the biggest shift recently has been among firms outside the financial sector, said Erin Gonzalez, head of commercial paper trading at Barclays Plc. The stock of commercial paper bottomed out at around $945 billion in September 2020 before bouncing back, according to Fed data. The total amount outstanding is $1.17 billion as of July 20, although it is still only about half of its 2007 peak.
“We see businesses coming back,” Gonzalez said. “Private issuers who pulled out during the crisis are coming back.”
Even as companies increasingly borrow from the commercial paper market, some fund managers remain cautious. During the turmoil of March 2020, panicked investors withdrew billions of monetary funds within weeks, contributing to the seizure of the commercial paper market. Companies had to repay their IOUs coming due with precious money or money from a bank line.
This forced the Federal Reserve to provide emergency support to ensure markets, and even money market funds, would continue to function. The Fed had to similarly support the commercial paper market after the collapse of Lehman Brothers.
“The experience we have witnessed over the past two decades with commercial paper – which not only saw massive revaluations but also prompted formal responses from the Fed – is still relatively fresh in our minds. said Jerome Schneider, head of short-term portfolio management and financing at Pacific Investment Management Co, one of the world’s largest fixed income fund managers.
Regulatory changes in the U.S. money market industry have undermined demand for commercial paper for years, and more changes are coming that could further reduce fund purchases. Blue-chip money market funds buy about $480 billion in short-term IOUs each year, up from $725 billion in 2019, John Kodweis, head of commercial paper issuance at JPMorgan, said at a conference. a conference last month.
Despite all the worries about past turmoil and potential regulatory changes, short-term investors have ample amounts of cash and are looking for places to invest it. And many companies take comfort in knowing that the Fed is inclined to keep the market going if it crashes, Barclays’ Gonzalez said.
“Emitters who had been gone for a while would likely have felt comfortable returning by the end of 2020,” she said. “Going forward, they’re not as worried knowing the Fed stepped in and did what they did.”
A group of banks led by Morgan Stanley has brought forward the commitment date for a $500 million loan for Avient by one day in a sign of demand.
Private lending company First Eagle Alternative Credit has closed its fifth direct lending fund after reaching $1 billion in total capital available.

Pop-up bookstore Reach Literacy will stay open for another month


SIOUX FALLS, SD (KELO) — A pop-up bookstore is drawing readers of all ages to downtown Sioux Falls. Reach Literacy’s pop-up bookstore opened to the public earlier this summer.

Reach Literacy moved into Jones Building 421 in June.

Since then, books have been flying off the shelves.

“We’ve sold a lot of sci-fi here that we don’t necessarily always sell in the other store, we’ve sold a ton of vintage and regional here, I think it’s just a different market and it’s been very fun to see who is interested in buying different things,” said executive director Paige Carda.

While this was supposed to be the last week of the pop-up store, they will be open for another month.

“We were sad, we were getting ready to pack, we have boxes under the table, building Jones asked if we were staying another month because we had so much fun and they also appreciated the atmosphere we bring” , Carda said.

As part of a Christmas sale in July, you can get any book for just $1 for the rest of the week.

“Most of the time our books have been $3-$5, in August we’re going to price everything at $2 just to make it easier,” Carda said.

Carda said they have had clients from all over the country, which has allowed them to reach even more people and share their mission.

“I think the best part was we met a ton of tourists, I met people who were from Texas,” Carda said. “I think the great thing is we’ve met a lot of people who didn’t even know we existed and you still think I’ve reached everyone possible so the opportunity to talk to new people in Sioux Falls who didn’t know we existed was great.

The pop-up shop is open until 7 p.m. on Friday and from 1 p.m. to 7 p.m. on Saturday. August hours will be Monday-Friday 1-4pm

Carda asks you to donate books to their permanent location.

Could sports betting kiosks make bars a “stealing target”?


CINCINNATI — The Ohio Lottery Commission is getting some pushback on payment rules it established for bars and restaurants that want to set up sports betting kiosks when Ohio launches its new form of gambling on January 1, 2023.

At issue is a requirement that “prizes will be paid in cash from the host’s proceeds from its sports game sales.” Critics say it will force business owners to hold on to dangerous levels of cash to pay out winning bets.

“We’ll find out who has those licenses, who is able to make sports bets,” said Chris Ferruso, Ohio legislative director for the National Federation of Independent Businesses. “If they’re sitting on tens of thousands of dollars in cash, they’re the target of a robbery.”

Ferruso said many of his members were worried about the rule. He thinks it should be revised to allow any lottery retailer to cash out winning bets – not just the bar where the bet was made. This would spread the risk among thousands of lottery retailers.

“I think that was the spirit and the intent of the legislature,” Ferruso said. “I understand that the intention was to allow this to happen, so that people who were not eligible to have a Type C license could still participate in the process. Many people who buy lottery tickets today at an establishment do not necessarily return to that same establishment to cash in on that ticket.

Ohio lawmakers allowed three types of sports betting last December, including kiosk betting jointly regulated by the Ohio Lottery and Casino Control Commission. Lottery officials have pre-licensed more than 1,000 Ohio businesses to host sports betting kiosks with a Type C license. The Casino Control Board has received applications from seven companies wishing to become betting owners sportsmen. Their software would process actual bets and validate winners with a credit voucher that could be redeemed for cash.

Lottery spokeswoman Danielle Frizzi-Babb said the payout rule is based on wording in the Sports Betting Act, which allows bettors to receive payouts “in cash at any host type-C sports games”. But lottery officials are working through the state regulatory process to determine if revisions are needed.

“For security reasons, the rule specifies that cash payments at a host must be $600 or less, similar to current practices with traditional lottery prizes,” Frizzi-Babb said. “However, it should be noted that this is not a mandatory requirement and hosts may choose to limit the amount of prizes they are willing to cash out.”

Ohio’s Joint Committee on Agency Rules Review, or JCARR, has a meeting Aug. 17 where the rules are likely to be discussed. Ahead of that meeting, Rep. Bill Seitz, R-Green Township, urged Lottery Director Pat McDonald in a July 13 email to “consider withdrawing the proposed rules and replacing them with advanced proposals.” by the relevant stakeholders”. He also suggested that JCARR might be forced to strike down the lottery rule and delay the launch of Ohio’s sports betting industry.

In a separate email to WCPO, Seitz said he didn’t think a delay was likely. Lottery officials and the Casino Control Commission said the launch date remains January 1. But Seitz continues to push for a change in the rules on payments.

“The legislation we passed provided that winning ticket holders could bring their winning ticket to any authorized lottery retailer for cashing,” Seitz wrote. “This has been of some help to lottery retailers as they earn a small commission when cashing in a winning ticket.”

Good news: a robot that helps wheelchair users walk, the rise of the book industry, etc.


Welcome to another episode of the good news roundup. Today we’re covering new research on a way to help plants survive extreme heat; an exoskeleton that allows wheelchair users to walk; how the book industry is booming; a study that indicates that friends appreciate being contacted more than we think; and how macaws that were extinct in the wild have made a flying return to Brazil.

Watch the video above to learn more about each story, or read below.

1. New research on a way to help plants survive extreme heat

Scientists from American and Chinese universities have found that at high temperatures plants are unable to produce a hormone called salicylic acid, which helps them fight off pathogens and pests.

They experimented with a plant called Arabis and found that many genes that were “turned off” at high temperatures were controlled by a master gene called CBP60g.

When this master gene got too hot, it stopped working. And in case of heat stress, the immunity of the plant was compromised.

Scientists believe that if they create a mutant plant with the CBP60g gene permanently activated, its defense system will be maintained even at extreme temperatures.

If they are able to replicate the same heat resistance in common crops, it could prevent food crises during periods of high heat.

Read the full article by Euronews’ Rebecca Ann Hughes here.

2. An exoskeleton helps wheelchair users walk

A French company is working to create a bionic future for people with disabilities with a new robotic exoskeleton.

Wandercraft’s invention allows people in wheelchairs to stand up, walk around and perform most simple tasks.

Their objective is to enable people living with a disability to be independent and to give the elderly the chance to walk again.

The exoskeleton only takes a few minutes to put on, and Kevin Piette, who lost the use of his legs 10 years ago, says he can do it on his own.

“The first time you get up is quite impressive because you can do it very easily, very quietly, comfortably. And then you have this upright posture that you had actually forgotten about,” Piette told Euronews Next.

“It’s also really nice to be able to be on the same level as people instead of always watching them from below.”

Being able to stand also brings health benefits. Piette says it has improved his blood circulation, which has helped his digestion and has also allowed him to reduce the amount of medication he takes.

The latest exoskeleton model is also used in hospitals to aid in the rehabilitation process.

Read the full article by Euronews’ Pascale Davies here.

3. The book trade is booming

E-readers are great, but nothing beats the smell of a book.

Two years ago, the future of the independent bookstore looked bleak. But something unexpected happened.

In unexpected happy news, bookstores across the United States are booming, according to the New York Times.

The newspaper reports that more than 300 bookstores have opened in the past two years – and the revival is attributed to consumer demand for “real recommendations from real people”.

Existing bookstores also reported increased profits, according to a recent survey. The American Booksellers Association found that around 80% of respondents said they had higher sales in 2021 than in 2020, and nearly 70% said their sales last year were higher than in 2019. .

Back In Europe, the second-hand book market is also booming.

Graham Bell, CEO of World of Books, says the sustainability aspect has boosted demand.

His business sells a book every two seconds, totaling 18 million sales per year, and it grew by 30% in 2021.

E-books, on the other hand, were supposed to bring the end of the paper book, but they capped at 20% of the market share.

4. A study that says friends appreciate being contacted more than you think

Getting in touch with that old friend you’ve been meaning to call will be much more appreciated than you think, new research says.

And the greater the surprise, the greater the appreciation, according to a study published in the Journal of Personality and Social Psychology.

After conducting experiments with almost 6,000 people (which is a lot, many skincare brands test their miraculous products on a few dozen), scientists have found that people consistently underestimate how badly others members of their social circle might appreciate an unexpected phone call, text or email just to say hello.

“People are fundamentally social beings and enjoy connecting with others,” said Peggy Liu, PhD, lead author of the University of Pittsburgh study.

5. Macaws are making a comeback in Brazil

The bright blue Spix’s Macaw, a species once extinct in the wild, is back in the skies of its native Brazil after a remarkable international rescue project.

The species had undergone a gradual process of extinction due to habitat destruction and capture for the illegal wildlife trade.

In the 1970s and 1980s, two traffickers were responsible for removing 23 macaws from the wild. In 1986, the last known wild population was reduced to three birds. In 1990, there was only one male left. Ten years later, there were no more birds of the species left than those in captivity.

Their apparent disappearance from their natural habitat has caused global unrest and the bird has become one of the symbols of biodiversity loss. He was even portrayed in the American animated feature “Rio”.

But after an agreement with the German breeding center ACTP, 52 macaws were brought back to Brazil two years ago.

Fast forward to the present day, when a flock of Spix’s Macaws roam freely over their natural habitat.

Later this year conservationists plan to release more birds and hope the parrots will start breeding in the wild next spring.

And if you’re still hungry for more positive news, there’s more above.

Kenyan presidential candidate smoked misleading claims about marijuana trade

Copyright AFP 2017-2022. All rights reserved.

A Kenyan presidential candidate who has styled his campaign on the legalization and marketing of marijuana says it offers the country a way to wipe out its public debt of 8.2 trillion Kenyan shillings (about $69 billion) . In television interviews, Roots Party leader George Wajackoyah has made broad, unsubstantiated statements about marijuana, ranging from its legal status in the United States to revenue generated by other countries selling the crop. AFP Fact Check examines some of his statements.

Wajackoyah is among four presidential candidates cleared by the Kenyan electorate to contest next month’s elections on August 9, 2022.

A lawyer, he stands out for his outfit as much as his defense of marijuanathat he promises to smoke openly if elected president.

Roots party presidential candidate George Wajackoyah, during a campaign rally in Ruai, Nairobi, on July 27, 2022 (AFP / SIMON MAINA)

Marijuana is illegal in Kenya, but Wajackoyah has promised to change all that with a legalization policy, arguing that the crop has the potential to unlock billions of dollars for the country.

“…We have the solution and that solution is the cultivation of marijuana that will allow this country to erase all outstanding debts,” he said in an interview on Citizen TV.

However, some of his claims are greatly exaggerated.

Marijuana decriminalized in the United States

Wajackoyah has claimed in two different TV interviews that the US federal government has decriminalized marijuana.

On June 8, 2022, in an interview on Citizen televisionWajackoyah said, “Two weeks ago the United States decriminalized marijuana as a federal offence. We have 22 states now officially growing marijuana.”

He repeated the claim on June 29, 2022, during an interview on NTV.

“In the United States, the federal government has decriminalized marijuana so that it is no longer a federal offense,” he said.

It’s not true.

While many US states have made significant progress in marijuana regulation, at the federal level, possession and distribution of the substance remains an offense punishable by imprisonment.

According US lawmarijuana is still classified as a Schedule I substance, a class of drugs that “currently have no accepted medical use in the country, cannot be safely prescribed, and have a high potential for abuse.”

Currently, 19 states, two U.S. territories, and the District of Columbia have approved recreational marijuana — presumably the 22 states Wajackoyah was referring to.

A total of 41 states and territories have regulated the drug for medical use, according to the National Conference of State Legislatures (NCSL).

Screenshot from NCSL website, taken July 28, 2022

Canada’s benefit

In both interviews, Wajackoyah claimed that by 2021, Canada had made hundreds of billions of dollars in profits from the marijuana trade.

“If you look at Canada, last year alone they made $486 billion from marijuana,” Wajackoyah said, insisting that legalizing and commercializing the plant would help Kenya eliminate all its debt.

He made a similar statement on Citizen TV, repeating that Canada got “$487 billion in 2021.”

But these alleged revenues are false.

According to Deloitte Cannabis 2021 Annual Report, culture has contributed $43.5 billion to Canada’s GDP since 2018, when it was legalized. Total sales over the same period were estimated at $11 billion, with the government receiving $15.1 billion in miscellaneous taxes and levies.

But while those numbers pale in comparison to Wajackoyah’s claims, Deloitte’s assessment of the industry was reasonably glowing.

“We found that the Canadian cannabis sector has made a significant economic contribution…in the short three years since legalization,” the report says, adding that 98,000 sustainable jobs have been created.


Canadian economist and commodities specialist Steve Burk told AFP Fact Check that the process of legalizing, commercializing and eventually realizing the benefits of cannabis is more complex than what Wajackoyah did in his campaign.

“Government investment in a cannabis industry would not scratch the surface of Kenya’s debt over the next 10 years and would likely increase debt stress,” Burke said.

Deloitte estimates the capital expenditures of the cannabis industry in Canada between 2018 and 2021 at $29 billion. This represents about 42% of Kenya’s public debt.

Burke added that the regulations alone were costly enough to be a barrier.

“The demand for cannabis still represents only a tiny proportion of national economies, typically less than 0.1%, and therefore represents an even smaller proportion of tax revenue… No country has a sufficiently large cannabis market. important in making domestic production viable enough on a large scale to provide significant relief to government finances,” Burke said.

The Canadian government engaged approximately $46 million for public education and awareness after the legalization of marijuana in 2018.

Ali Khan sachuCEO and founder of a Kenyan investment advisory firm, was equally cool on the prospects for marijuana.

“Kenya’s debt is in the order of $70 billion. There is no plausible path where marijuana revenue could extinguish the debt,” Satchu said.

Burke, who is chief economist at CRM AgriCommodities, a UK-based company that deals with the grain and oilseed market, added that while the market for medical and recreational marijuana is growing, it is not uniform across all industry segments and for success. , it takes specialization and years of investment.

“To break even would require years of industry investment and research and development to capture international market share, which is becoming more competitive by the day with major developed economies leading the way. “, did he declare.

Isaac Fitzgerald among writers at Houston Literary Events this week


Blue Willow Bookshop features author Isaac Fitzgerald.

Photo: Rémi Morawski


Isaac Fitzgerald: The author will discuss “Dirtbag, Massachusetts”. 7 p.m., Blue Willow Bookstore, 14532 Memorial; 281-497-8675. This event will also be streamed live via a Zoom webinar, registration required; bluewillowbookshop.com


Ayana Grey: The author will appear in a chat with J. Elle to discuss “Beasts of Ruin”. 7 p.m., HTX Assembly, 2015 Berry; kindredstorieshtx.com


Daniel Silva: The author will sign and discuss “Portrait of an Unknown Woman”. 7:30 p.m., Evelyn Rubenstein JCC Houston, 5601 S. Braeswood; murderbooks.com

Thomas H. McNeely and Leslie Contreras Schwartz: The author will discuss “Pictures of the Shark” and “Black Dove”. 7 p.m.-8 p.m., Librairie Brazos, 2421 Bissonnet; 713-523-0701; brazosbookstore.com


Megan Miranda: The author will sign and discuss “The Last to Vanish”. 6:30 p.m., Murder By The Book, 2342 Bissonnet; 713-524-8597; murderbooks.com


Adiba Jaigirdar: The author will appear in a chat with Jesmeen Deo and Joya Goffney to discuss “The Henna Wars” via Zoom. 1 p.m.; bluewillowbookshop.com

Angelina Lopez: The author will appear in a chat with Erica Quiroz, a Houston-based romance blogger, to discuss “After Hours on Milagro Street.” 4 p.m., Blue Willow Bookstore, 14532 Memorial; 281-497-8675; bluewillowbookshop.com

Ana Khan

  • Ana Khan

    Ana Khan is the Calendar Coordinator of the Houston Chronicle’s Articles Desk.

Amazon just took over a primary healthcare company for big money. Should we be worried?


This week, Amazon announced plans to pay US$3.9 billion (AUD$5.6 billion) to acquire US healthcare company One Medical.

One Medical would provide primary care on a membership basis to some 800,000 people across the United States. In his own words, he claims to be “on a mission to make obtaining quality health care more affordable, accessible and enjoyable for everyone”.

But why is Amazon – the company that helps you get a cheap home projector or toaster – investing in this?

What is a medical?

With subscription fees of just US$199 per year, One Medical helps bridge the gap between the United States’ inefficient public healthcare system and people’s need for (expensive) health insurance.

It provides a comprehensive set of online resources for paying members, including a mobile app to request medical assistance and “24/7 access to virtual care.”

Clearly, the company has done well, recording net revenue of over $250 million in the first quarter of 2022.

Meanwhile, Amazon has been building its presence in the healthcare industry for the past few years. In 2018, it acquired PillPack, which became Amazon Pharmacy. And in 2020, he launched Amazon Care, a virtual healthcare company that connects patients to a range of telehealth and primary care services.

By acquiring One Medical, which was a competitor, Amazon is advancing into the American health market. It’s no different than it did with book retailers, when it first launched as what was essentially an online bookstore.

Is it just data?

Amazon knows a lot about its customers. Through user browsing and purchases made on its website, it collects large amounts of data to better understand what people need and want – with the ultimate goal of selling more products and services. .

Amazon also has the ability to tap into a global network of Amazon-branded devices, such as Echo and Alexa. Recent research has suggested that Amazon uses voice data collected through Alexa to target potential customers with advertisements.

Often, tech companies claim that they collect data to generate a more positive experience for customers. They might be able to present you with personalized product options, which will save you time and effort.

But what about when you combine that data with more privileged and sensitive information related to your health?

Read more: Amazon Echo privacy concerns go far beyond voice recordings

Join the dots

Amazon isn’t just a giant online shopping mall. It is also a leading provider of artificial intelligence (AI) services.

While there may be legislative protections in some jurisdictions, it wouldn’t be difficult for Amazon to link people’s health data with all the other data it already collects.

An Amazon spokesperson said One Medical customer information protected by the Health Insurance Portability and Accountability Act (HIPAA) would be “treated separately from all other Amazon businesses as required by the law”.

This indicates some basic level of privacy protection; HIPAA is designed to protect people’s personally identifiable information, medical history, and other sensitive health data.

But Amazon’s ability to assure customers that this is being respected will depend on its transparency. Without it, it will be difficult for anyone outside to understand the inner workings of data management.

The spokesperson said:

As required by law, Amazon will never share One Medical customers’ personal health information outside of One Medical for the purposes of advertising or marketing other Amazon products and services without the customer’s clear permission.

As for the need for “clear customer authorization”, this ideally means that Amazon will ensure that the authorization process is absolutely transparent. But transparency around data-sharing requests remains a murky issue in the big tech space.

After all, voice data collected by Amazon devices can be deleted – but how many people do? How many are aware that they can?

Will Amazon start targeting Amazon Pharmacy ads for lifesaving drugs at One Medical patients who have provided “clear permission” for data sharing?

In the past, Amazon has admitted to passing people’s personal data (collected through its Ring doorbells) to US police, without consent or a warrant.

Expand his empire?

As Amazon moves into the healthcare space, it’s not a stretch to think it could combine its AI capabilities and Alexa voice data to target sick people with medical products or drugs. Amazon Care services.

In the worst-case scenario, we could see Amazon monopolizing the US healthcare industry, with its usual practice of undercutting competitors and aggressively selling to customers. It lures customers in with low prices, before enticing them to buy more.

Amazon tries to keep users in its online retail environment by constantly suggesting more products to buy.
Author provided

Amazon Pharmacy already offers discounted drugs to Prime members. And one would imagine that those willing to pay higher fees could get better health care from Amazon, opening a door to health insurance services.

The wealth of information that Amazon aggregates also makes it a more attractive target for cyberattacks and data breaches. Information that was previously held in various disparate networks is now contained within the servers of a single organization. Criminals will inevitably take an interest.

The sensitive nature of patient information, coupled with the fact that many healthcare organizations are still using outdated digital infrastructure, means the healthcare industry is primed for exploitation.

Read more: Australian hospitals face constant cyberattacks. Consequences could be deadly

Could it happen here?

Fortunately, the Australian health system is not like the American model, where there is no universal health program.

Currently, just over half of Australian residents have private health insurance. But take-up of private healthcare has dwindled, from time to time, since the country’s state-funded universal healthcare system was introduced in 1975 (as Medibank), before being replaced by the Medicare system in 1984.

Australia has over 30 health insurers offering around 3,500 different health insurance products. With so much competition, Amazon is unlikely to be interested in entering the Australian market with healthcare products, at least for the foreseeable future.

Why the Last “Crypto Winter” Means Extra Work in Tax Season | Thomson Reuters Regulatory watch and compliance learning


[guest author: Trevor English]*

While the ongoing “crypto winter” may signal a slowdown in crypto trading activity, it may mean a big boom in opportunities for tax professionals down the road.

The cryptocurrency market cooled down in 2022, signaling the start of what many in the digital currency space are calling a “crypto winter.” Essentially, these seasons of declining trading volume and price action are simply the crypto equivalent of bear markets. For tax and accounting professionals, however, crypto winters can counterintuitively signal a potential job boom in advisory, wealth management, and tax filing services.

While at first glance these macro events in the cryptocurrency space may seem like a signal that cryptocurrencies are failing, crypto winters are quite common in digital currency markets. The last winter was in 2018 and lasted about 18 months.

What happens during crypto winters in many cases is the discounting of losses and the realignment of trading and market sentiment. Traders discounting losses may present significant tax work opportunities as the realignment of market sentiment opens the door to possible tax advice.

When it comes to cryptocurrencies – which the IRS treats as property rather than currency – standard capital gains and losses are incurred. As traders reap massive gains in 2020 and 2021 from the market boom, many have not set aside enough funds to properly pay taxes on this relatively new asset class. This means that for many traders they are faced with now heavily depressed asset value in today’s crypto winter, large capital gains from previous trades, and no easy or clear way to pay. the tax bill.

Of course, these are not problems unknown to tax and accounting professionals – in fact, these problems can be solved, or better yet, avoided, with the proper focus and understanding of tax exposure management. in the cryptocurrency markets.

Understanding the crypto mojo

However, going back for a moment, it is important to understand the stature that crypto has in modern financial markets. While crypto was once the ugly son-in-law of finance and viewed by many as an amateur chimera, it is now firmly entrenched in institutional and enterprise adoption. While many coins in the space will likely fail, the core assets and underlying technology infrastructure of blockchain are here to stay.

There is a common phrase in crypto, “Bear markets are for building.” While this is typically used as an application for businesses in the crypto space, it also applies to tax, legal, and accounting professionals. As euphoria sets in in crypto, this cooling period is the best time to establish advisory practices around cryptocurrency to prepare for future market growth. Highlighting the massive adoption in the upper echelons of finance for the crypto space and the potential future customer growth, massive opportunities still exist for companies and professionals looking to establish themselves as experts in taxation and cryptocurrency advice.

While planning and preparing for success is an integral part of this discussion, there is another aspect as well. As a large number of traders begin to experience this crypto winter, as mentioned earlier, they find themselves in one of two scenarios:

  1. Big capital gains on the book, with no easy way to pay them — With crypto-assets still in place at the start of 2022, many traders sold at highs to lock in their gains. These same traders now expected to be able to sell the rest of their assets, which have now fallen significantly, to cover their tax bills.
  2. Large trading volumes from active trading in volatility — High transaction volumes require an automated solution rather than manual tabulation. Traders who incur heavy losses need help in knowing how to apply those losses to minimize their tax burden; Where, they are presented with significant discounted earnings with the need for assistance on how to minimize and properly pay these taxes.

Every tax situation is different, of course, but both of these global scenarios represent significant market capitalization opportunities for tax and legal professionals looking to expand their practice. They also represent a significant amount of work in the coming tax season, whether for the individual trader or for the tax professionals they are looking for.

This crypto winter represents an important opportunity for tax professionals to develop a practice in the field of crypto tax advice or planning. The next step after identifying the opportunity is to equip your firm with the tools to manage these new assets. Fortunately, professional-focused tools exist to help companies position themselves to increase engagements and add new opportunities for crypto advisory and tax planning services with clients.

As the current crypto winter of 2022 persists for what is, for now, an indiscriminate duration, there is no better chance than this to start preparing for the next crypto boom. Understanding, planning, and equipping your firm with all the necessary tools and knowledge to handle the influx of crypto clients should be on every tax firm’s roadmap.

*Trevor English, VP/Ledgible.io

[View source.]

Even all the first offers cannot increase sales this year


The seven-day Hong Kong Book Fair drew more than 850,000 people, an increase of 20,000 from last year, but business fell by around 50%, forcing many exhibitors to begin final sales before the fair closes at 5 p.m. yesterday.

Some vendors said this year’s fair saw more visitors but a cooler reception than in the past.

The bookworms made a last dash to put books in their luggage and carts before the curtains closed for the week-long fair.

More than 850,000 people visited the fair, said a spokesperson for the fair’s organizer, the Hong Kong Trade Development Council, compared to 830,000 visitors last year.

Among the crowd was a mother, Chan, who came to the fair right after her son received his high school place assignment result.

“I’ll buy all the books he likes,” Chan said, adding that she hadn’t set a budget.

Others said they wouldn’t overspend this time around.

“I might only spend a few hundred dollars since I mostly read e-books instead of holding hard copy,” said one visitor, Mok.

A vendor attending the fair for the 13th year thought there were more visitors this year than last but had low hopes for sales, saying the bookstore this year was not as successful as before the past.

The seller launched in-store promotions a few days before the end of the fair.

Some publishers launched last-minute deals, including deals such as seven elementary workbooks for HK$100, while some Hong Kong High School Diploma Exam review books were sold for HK$20. HK$ – at the original price of HK$38.

Despite the general decline in sales, one publisher selling supplemental notebooks said sales were up 10-20% from last year.

“Many schools are still teaching online, and parents are worried about their children’s studies, so they would buy more workbooks,” said a staff member at the publisher’s booth.

Amid the gloom of the ongoing pandemic, many have turned to fortune-telling books for solace and hope.

“Fortune telling books and tarot cards sold quite well,” said one seller, Wong, “because many people feel lost and hope to use tarot cards to make their future divine.”

The Wisely series by the late author Ni Kuang made it to the best-selling charts at this year’s book fair, with some even sold out.

However, some booksellers have complained about the remoteness of their kiosks.

One vendor, Tang, said sales were only half of last year, adding that they had planned to pack up and leave before noon – well before the official closing time of the fair.

“Normally we can refund after the fair, but the situation this year is worse than expected,” Tang said.

Tang said people are still avoiding public places and crowds amid the pandemic, while students have yet to start their summer vacations.

A Saudi investor becomes the main shareholder of Otonomo

Saudi-based Mithaq Capital has increased its small stake in the Israeli autotech company Otonomo Technologies (Nasdaq: OTMO) and has now reported to the US Securities and Exchange Commission (SEC) that it holds a 20.4% stake. Otonomo’s stock price has fallen 90% since it completed its SPAC merger last August and began trading on the Nasdaq.

Mithaq is now a stakeholder in Otonomo and has the right to discuss strategy, governance and business with representatives of the Israeli company. Mithaq says he could increase or decrease his stake in Otonomo, but at this stage he has no intention of increasing his stake above 25%.

Mithaq is already the main shareholder of the Israeli company adtech International earthquake (Nasdaq: TRMR; LSE: TRMR), led by CEO Ofer Druker, with a 22% stake.

Otonomo was founded by CEO Ben Volkow. The company provides a platform and trading arena for data gathered from connected cars and is currently listed on Nasdaq with a market capitalization of $93 million, having started trading last August with a company valuation of $1.26 billion. Otonomo’s market capitalization is less than the $197 million in cash it has in its coffers.

In February 2021, shortly after Otonomo announced that it had entered into a SPAC merger agreement with Software Acquisition Group, Mithaq purchased shares of SPAC and, post-merger, owned 5.2% of Otonomo. The Saudi company announced in February and March this year that it had increased its stake to 10.1% and has now doubled that stake.

Mithaq Capital is part of Riyadh-based Mithaq Holdings. Other major Otonomo shareholders are Bessemer Ventures 14.6%, CEO Ben Volkow (12.4%), StageOne Ventures (8.5%), Aptiv Financial Services (7.1%), Senvest (6.3 %) and Avner Cohen (5.3%).

Since completing its SPAC merger, Otonomo has made two acquisitions: Israeli behavioral analytics company Neura for $50 million in October 2021, and British mobility intelligence company The Floow for $69 million in February. 2022.

Published by Globes, Israel business news – en.globes.co.il – on July 26, 2022.

© Copyright Globes Publisher Itonut (1983) Ltd., 2022.

Creative Ways for Kids to Make Their Thank You Notes Special


One of life’s greatest joys is receiving a thank you note, especially when it’s been written or made especially for you by a child. There’s just something really special about a child who is grateful and takes the time and effort to create and send a thank you note. As loving parents, we strive to be models of gratitude and to teach our children the importance of expressing gratitude to others.

Asking your child to write a thank you note may seem like another homework for them and yes, they may complain and drop out or tell you they don’t know what to do. But thank you notes don’t have to be a calligraphy lesson. Encourage your kids to be creative and treat it like art.

If you have younger children, it’s a good idea to work together and think about what to say in the thank you note. Help your child write or dictate a first draft to use as a guide for the final project.

make it fancy

When our two children were young, I came across a delicious book called “The ABCs of creative lettering” by Lindsay Ostrom at a local bookstore. Lettering styles like Tinkertoy created by adding dots at different points on each letter and Puff Print’s chunky cloud letters add an artistic touch to even the simplest message. And while your kids are having fun practicing their favorite styles, encourage them to invent a new style.

Plus, if you have a child who likes to write in cursive, italics, or the more sophisticated style of calligraphy, their handwritten note is sure to be a much-appreciated treasure for the recipient.

Cut and paste letters, words and pictures from magazines

Gather up all your old magazines and get out the scissors and glue sticks. Your kids will have a blast putting together a unique and colorful thank you note using a variety of letters, words and pictures that they cut out of magazines and glued onto a blank card, stationery or paper. DIY.

Browsing through the pages of magazines looking for the perfect letters, words and pictures is like going on a treasure hunt.

stamp and printing

The great thing about using rubber stamps is that ink pads come in a wide variety of colors and your kids can stamp letters, words, numbers and objects like hearts, flowers, stars and smiley faces plus seasonal and special artwork. .

Just like the magazine cut-and-paste style above, encourage your kids to liven things up a bit by using a mix of individual letter stamps and whole word stamps like love, thank you, and fun in the same sentence.

Now let’s talk about printing. Arouse your children’s curiosity and ask them: who wants to get dirty? When you get a resounding and unanimous “yes”, it’s time to break out the tempera paints. Show your kids how to use their fingerprints to create flowers, ladybugs and clouds. When the paint is dry, they can add finishing touches with fine-tip markers.

A good resource is Ed Emberley “Big Fingerprint Drawing Book.” I never realized that a simple thumbprint could be turned into so many different things.

Magazine cut and paste style and stamp and print style do so much

easier for kids who struggle with writing to write and send a heartfelt thank you note.

Compose a poem or an original work of art

Your family’s writer or artist can really make their thank you note a one-of-a-kind expression of gratitude by composing an original poem or drawing along with a few words of thanks.

Perhaps the poem or drawing was inspired by the gift or the giver. Your child may want to add a special note to explain why the gift or giver is so special.

Mix and match styles

Since creativity knows no boundaries, your kids can mix and match any of the above styles with another or incorporate a little something from all of these styles.

But what matters most is your children’s desire to express their gratitude. It doesn’t matter if their thank you notes are fun and colorful or elegantly designed, or even if the notes contain spelling mistakes or ink stains, because it’s always the thought that counts.

As consumers return to stores, why would Amazon close the door?


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The pandemic has boosted e-commerce as more consumers have discovered its convenience. That led research firm FTI Consulting, for its part, to move its timeline forward three years, to this year, for online sales to easily top $1 trillion.

However, the vast majority of shoppers still prefer stores. About three-quarters of consumers even prefer them for ordinary household items, according to consultancy firm Big Village. Yet in a year where retailers have dramatically reduced store closings and Amazon itself saw a 3% drop in online retail sales in the first quarter, the e-commerce giant closed all its bookstores, 4-star stores and pop-ups. The nearly 70 locations – 66 in the US, two in the UK – accounted for nearly all of its non-food fleet. As of press time, all that’s left in this category is a single recently opened Amazon Style clothing store.

Amazon said by email that it closed those stores so it could focus on its other physical and technology retail offerings, and preserve its ability to innovate and scale its business over the long term. But in doing so, it may have lost an opportunity to take full advantage of its own pricing and technological prowess, and could lose sales in some categories, according to Big Village chief executive David Albert. Overall, the company is pulling out of much of the retail landscape, according to Kelly Goetsch, Chief Strategy Officer of headless commerce platform Commercetools.

“Even as e-commerce continues to thrive, physical locations play an important role in enabling customers to have an immersive, in-person shopping experience,” Gotsch said by email. “I think Amazon’s decision to close their physical locations did not take this into account and could potentially impact their business going forward as shoppers return to physical retail post-pandemic.”

Not a retailer?

Again, Amazon’s business is centered on logistics, technology and, increasingly, advertising, not retail, some experts say. For years, its third-party marketplace sellers have been responsible for the bulk of the merchandise sold on its site.

“Ttheir ability to accomplish the way they do is quite an amazing feat. Understood,” Nick Egelanian, President of Retail development firm SiteWorks, said by telephone. “I don’t think anyone is saying he’s run phenomenal stores. We know they didn’t think those stores were that great because they closed them down. »

Several observers, including Egelanian, have described Amazon’s non-food stores as untargeted. This was especially true for its 4-star stores, which were marketed with items that were selling well on its website, resulting in a confusing assortment of random products. And – unlike the many independent booksellers that survived the price-based disruption unleashed by Amazon a quarter century ago – Amazon’s bookstores were not organized in a way that invited browsing or discovery, but rather to best-sellers.

“Running a warehouse is much easier than running a retail store because in retail you need to be good at logistics and technology — plus 10 other things,” Egelanian said. “They haven’t proven they know how to market, they haven’t proven they know how to operate, they haven’t proven they know how to score, they haven’t proven they know how to match. There are a lot of “unproven”.

GlobalData chief executive Neil Saunders in emailed comments noted the lack of omnichannel options. “OOther than some payment technologies, Amazon has never really connected its stores and online like many retailers have,” he said. “Options to order online and collect from stores, or check stock levels before leaving, were non-existent. This, in our view, was a missed opportunity.

The choice of location was also random, suggesting a lack of understanding of site selection, Egelanian said. Amazon said there was a lot of deciding where to open a store, but declined to elaborate.

“It’s not at all clear to me that Amazon has a competitive advantage in physical retail.”

Kirthi Kalyanam

Professor and Executive Director, Retail Management Institute at Santa Clara University Leavey School of Business

“Every physical store should have a store template,” Egelanian said. “There’s a financial model, but you also need a demographic model and a physical model — how big is the store? How far does he go? What is the optimal type of real estate in which it goes? What is the optimal number per market? What does it take to make money by market and by management structure? None of these things seemed to be present.

Kirthi Kalyanam, professor and executive director of the Retail Management Institute at Santa Clara University’s Leavey School of Business, agrees that Amazon the core capabilities don’t extend to running physical stores, and it’s not clear the e-commerce giant wants to expand on them.

“Everything they are good at seems to be very well suited to e-commerce – to run the marketplace, provide fulfillment and delivery for marketplace sellers, provide advertising for marketplace sellers,” Kalyanam said over the phone. “It’s not at all clear to me that Amazon has a competitive advantage in physical retail.”

Amazon said via email that brick-and-mortar retail remains an important part of its business, citing one of the most common reasons other retailers give for getting into e-commerce – to give customers more choice when it comes to e-commerce. when, where and how they shop – and that it will continue to open new stores. However, its experience with brick and mortar is largely over, at least when it comes to most non-food products, as the company sees little reason for it, according to Russ Dieringer, Founder from e-commerce research firm Stratably.

“They are happy with a purely digital experience in general merchandise categories as long as they can deliver quickly and offer easy return locations,” Dieringer said.

Why stores?

While it nearly wiped out its non-food locations and exited the offline book business, Amazon has been running grocery stores and, for the past few months, a clothing store.

Whole Foods, which the company acquired in 2017, makes up the bulk of Amazon’s grocery operations, with more than 500 locations, and it’s expanding its value-priced Amazon Fresh channel. In addition to Whole Foods, and including stores opening this month, the company operates 85 grocery-focused stores: 58 Amazon Fresh in the US and UK and 27 Amazon Go convenience stores.. Each banner, which Amazon says is run independently from the others, increasingly includes technology that collects payment through a mobile app when customers exit the store.

Why is Amazon so ambitious when it comes to brick and mortar in this retail segment?

Its grocery stores benefit from the retail talent established at Whole Foods years ago, Egelanian notes. Kalyanam believes that to some extent Amazon is stuck with what was an expensive acquisition. But its grocery store, along with its new GrubHub partnership, is also helping Amazon perfect its walk-in payment technology and delivery beyond its fulfillment center-based logistics, Kalyanam said. These could eventually become lucrative on their own, like its logistics, advertising and, most dramatically, AWS cloud services, he said.

“They’re very good at the e-commerce part of home delivery,” he said. “They have yet to do high-frequency door-to-door delivery – where I order something and get it within the hour. It’s usually the restaurant, food, and all those delivery apps. And ultimately, grocery home delivery is going to be a great delivery business.

What about clothes?

In May, Amazon unveiled its first clothing store at The Americana at Brand mall in Los Angeles and plans to open a second in Columbus., The Easton Town Center shopping mall in Ohio. Most of the reasons to expand into groceries probably don’t apply to apparel sales, so it’s not entirely clear why Amazon would venture into brick-and-mortar in that category after ditching the books and other goods.

As with books, the company has captured a significant share of clothing. Amazon is now the No. 1 apparel seller in the United States, topping $65 billion, nearly double the No. 2 Walmart and about 15% of the entire U.S. market, according to a June report from Wells analysts. Fargo led by Ike Boruchow. These analysts expect Amazon to surpass $73 billion in apparel sales this year.

The company has developed fit technology which is a key feature of the store, so perhaps that’s the focus. But running a specialty clothing store is even more complicated than other segments due to the vagaries of fashion, according to Egelanian.

Every fashion retailer should have some sort of statement,” he said. “What does the Amazon brand do? “Amazon fresh, Amazon style”? If the idea is to make money in physical retail, they have yet to show the skill to do so. That doesn’t mean they can’t get good. But if it’s like their other stores, it will confuse the customer.

4 things to know about the scam


African designers are causing a stir, from fashion weeks in Dakar and Lagos, to the Parisian shows of South African Thebe Magugu. Here in the United States, designers Busayo, Telfar and Hanifa infuse their collections with the aesthetics of their home countries of Nigeria, Liberia and Congo.

With many Western consumers now embracing African designers, a new exhibition at the Victoria and Albert Museum in London demonstrates that Africa has always had an influence on global fashion. The ambitious show, titled “Africa Fashion”, captures the multiplicity of fashion in Africa’s 54 countries, tracing its roots from the ancient past to the post-colonial period.

installation view, Africa Fashion [Photo: courtesy Victoria and Albert Museum]

But perhaps most interestingly, it shows how African designers are influencing the global fashion industry with everything from their sustainable practices to aesthetic sensibilities. “We hope the exhibition will provide insight into this bountiful scene, recognizing that African fashion designers are changing the geography of global fashion,” said project curator Elisabeth Murray.

Christine Checinska, the museum’s first curator of African fashion and the African diaspora, explains the long history of African fashion in a comprehensive book that accompanies the exhibition. She points out that Africans have always traveled across Europe and Asia, bringing with them their fabrics, prints and silhouettes, which then influence local fashions around the world.

And yet, because of racism in the world, African fashion has often been distorted, stereotyped as primitive and portrayed as immutable. Or else it is “an exotic source of inspiration for northern designers,” writes Checinska. (Consider how designers like Tory Burch and Stella McCartney have been accused of cultural appropriation.)

This exhibition highlights the history, complexity and nuances of African fashion, providing a deeper appreciation of the work of a number of talented designers from across the continent as well as the diaspora. Here are four important aspects of African fashion history that help us contextualize the work of African designers today.

Shade Thomas-Fahm, bùbá, ìró, ipele and gèlè at aso-òkè, Lagos, Nigeria, 1970s, courtesy of Shade Thomas-Fahm [Photo: © Victoria and Albert Museum, London]

There has long been a robust fashion ecosystem

Shade Thomas-Fahm isn’t a household name, but she should be. Born in 1933, she is sometimes described as Nigeria’s first fashion designer. At 20, she landed in Britain to train as a nurse, but when she saw the fabulously dressed models in London stores, she began taking classes at Saint Martin’s School of Art.

When she returned to Nigeria in 1960, the country had just gained independence from Britain. At this crucial moment, she became one of the first modern African designers, establishing a store called Maison Shade and a factory in the industrial areas of Yaba to manufacture her clothes. She is known for reinventing traditional Nigerian fabrics, patterns and colors, and deliberately elevating her designs to fit Western notions of “tailoring”.

In the book, Checinska wrote that Thomas-Fahm also contributed to “the development of a fashion ecosystem that was directly informed by what she experienced abroad”, paving the way for the hundreds of designers who are now emerging across the continent. Today, African designers often draw on local crafts and workshops to create their clothes and participate in fashion weeks inspired by European versions.

Five key fabrics guide designs

Bold prints are key to African fashion. They are skillfully deployed, modernized and remixed by contemporary African designers. Western brands and designers sometimes use them too and have been accused of cultural appropriation. The exhibition showcases five distinct textiles that have become fundamental to contemporary African designers.

installation view, Africa Fashion [Photo: courtesy Victoria and Albert Museum]

wax print

This fabric originated from Java, an island in Indonesia, but in 1846 Dutch traders attempted to mass-produce it in the Netherlands in order to resell it to the Javanese. However, the Javanese did not like machine-made cloth, which had small cracks and stains. The Dutch therefore marketed the fabric in West Africa, where locals appreciated the “marks of imperfection”. This fabric has become popular across Africa and is central to modern African aesthetics. Indeed, it is now manufactured locally in factories across the continent, with machinery incorporating the spots into the final designs.

ANC Nelson Mandela Memorial Cloth, South Africa, 1991 [Photo: © Victoria and Albert Museum, London]

Memorial fabric

Across Africa, cotton fabric is printed in factories to commemorate milestones, including the election of politicians. When Nelson Mandela was elected South Africa’s first black president and Barack Obama later became America’s first black president, they each had their faces screen-printed on special commemorative fabric. These fabrics tend to be displayed as decorative items rather than worn.

installation view, Africa Fashion [Photo: courtesy Victoria and Albert Museum]

To say

This is a specific fabric that originates from the Yorùbá people of southwestern Nigeria and dates back to the 1800s. It is made by tying fabric together and dyeing it, creating intricate and colorful designs. It is worn by women as a wrap around their body and incorporated into men’s sleepwear. Over the years, Àdìrẹ’s popularity has risen and fallen. In the first half of the 20th century, it was sometimes considered backward by the educated middle classes, but the fabric has come back into vogue among many young Nigerian designers, including Busayo, whom I profiled last year.

Designed by Kofi Ansah, Ashley Shaw-Scott Adjaye and David Adjaye wedding sets; Ghana, 2014 [Photo: Robert Fairer/courtesy Victoria and Albert Museum, London]


This fabric is associated with the Asante people of south-central Ghana. It is made by looms that bring together narrow strips of fabric to create a strip of fabric wide enough to wrap around a person’s body. The fabrics contain intricate geometric patterns that sometimes tell stories, depicting birds, people and insects.

Design by Chris Seydou [Photo: © Nabil Zorkot/courtesy Victoria and Albert Museum, London]


This fabric is made by the people of Mali and Burkina Faso, and is particularly associated with the towns and villages of Beledougo. It consists of hundreds of strips which are woven and dyed together to create garments. Experts aren’t sure when it was first developed, but evidence dates back to the 11th century, when the fabric was used to make tunics for hunters and warriors, and capes for teenage girls and women. These clothes are worn during important moments in a person’s life, including marriage, childbirth and burial.

Alchemy Collection, Thebe Magugu, Johannesburg, South Africa, Fall/Winter 2021 [Image: Tatenda Chidora (Photo)/Chloe Andrea Welgemoed (Styling & Set)/Sio (Model)/courtesy Victoria and Albert Museum, London]

Gender-fluid fashion is in vogue

As I have written before, many countries in Africa tend to have conservative views on gender and sexuality. But there are also a number of designers who are using fashion to push back against these prospects. Nigerian designer Adebayo Oke-Lawal, for example, launched the Orange Culture brand ten years ago with the aim of creating a space for people like himself who don’t want to be restricted by traditional culture.

While blue is often considered a “masculine” color in the West, Oke-Lawal finds himself drawn to orange, which sits opposite blue on the color wheel. Orange Culture’s clothing is gender-specific and androgynous. Men’s fashion includes tailored pink suits and see-through dresses; women’s clothing includes oversized and boxy blazers. Everything is designed to reveal how arbitrary and socially constructed our notions of gender and sexuality are.

Here in the United States, Telfar Clemens, originally from Liberia, is doing similar work. He seeks to push traditional gender norms by creating unisex clothing. Her latest Telfar collection features asymmetrical one-shoulder tops in pink and orange, which are worn by both male and female models. And her signature handbags are worn by people of both genders.

Kofi Ansah “Indigo” Couture 1997, Narh & Linda [Photo: © 1997 Eric Don- Arthur/courtesy Victoria and Albert Museum, London]

Durability is paramount

For decades, Africa has been the dumping ground for fashion waste from Europe and the United States. When Western consumers donate clothes to charities like Goodwill, more than 80% of them are unsalable and shipped to countries in Africa to be resold. But ultimately, much of it ends up in landfills in those countries.

Africans have long seen the scale of fashion waste around the world, and it informs how a new generation of designers operate. Take Kofi Ansah, a Ghanaian designer who was born in 1951 and died in 2014. Ten years ago he created collections for Saks Fifth Avenue and retailers in Milan, but he also focused on manufacturing in a way that does not create waste.

He founded a weaving center, encouraging young people to create textiles locally in small factories that produced products on demand rather than relying on the global fashion supply chain, which generates a lot of waste. Many of today’s young designers are following in his footsteps. Busayo, for example, has opened a small factory in Nigeria, creating clothes in small batches, to ensure there is no overproduction.

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Overview of the IPO

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Jayant Infra 67 13-07 76.00 79.80 19.1 117.60 75.52
B Right Realest 153 13-07 155.00 154.00 0.65 154.50 0.98
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Company Report Ex-Bonus
Hardwyn 1:2 25-07-2022
REC 1:3 17-08-2022

Company Name Last prize To change Market capitalization Net sales net profit Assets

country=india page generated=2022-07-25 09:39:11

Commercial Banking Group’s half-year net profit increases 7.9% to QR 1.4 billion

Commercial Bank Group recorded a consolidated net profit of QR 1.4 billion in the first half of 2022 (H1), up 7.9% compared to the same period last year, mainly due to an improvement in the net interest income and an increase in contributions from its associates.

Total commercial banking assets stood at QR 176.4 billion in the first half, up 8.8% (from QR 162.1 billion) in June 2021. The increase was “mainly due to banks and investment securities”.
The bank reported loans and advances to customers of QR 101.2 billion, up 0.6% in June 2021 and 2.9% in March 2022.

Commercial Bank customer deposits amounted to QR 89.3 billion, up 8.5% in June 2021 and 5.7% in March 2022. Low cost deposits increased by 11% due to various cash management initiatives and digital products offered by the bank.
Commercial Bank Chairman Sheikh Abdullah bin Ali bin Jabor al-Thani said: “Qatar has continued to show resilience in overcoming the challenges facing the global economy to record economic growth of 2.5 % in the first quarter of 2022 compared to the previous year.
“With a strong legislative and regulatory framework created by the Government of Qatar and higher hydrocarbon export achievements, Qatar is expected to be the fastest growing economy in the GCC in 2023 and 2024. With the preparation for the World Cup on track and strong economic fundamentals, this continues to support strong investor confidence in Qatar’s economy, which provides a strong operating environment for Commercial Bank.
Commercial Bank Vice President Hussain Alfardan added, “Commercial Bank is making solid progress in its strategic plan, and the strong confidence of investors and financial counterparty in the bank has been recognized by the market thanks to our recent $750 million Asian syndicated term loan facility, which was 2.35x oversubscribed. This confidence is validated by our constant ability to provide innovative banking services and solutions to our customers. Additionally, with the upcoming FIFA World Cup expected to inject up to $17 billion into the Qatari economy, Commercial Bank is well positioned to continue to generate growth.

The Group’s net provisions for loans and advances increased by 20.8% to QR 501.8 million for the six months to June 30, from QR 415.2 million for the same period in 2021. increase in provisions is mainly due to continued prudent provisioning on NPL customers. .
The non-performing loan (NPL) ratio increased to 4.5% as of June 30, from 4.1% in the same period last year. The loan coverage ratio decreased to 103.2% as of June 30 from 112.1% in June 2021, but increased from 100.2% in March this year.
Joseph Abraham, Commercial Bank Group Chief Executive, said: “Commercial Bank has released a positive set of results for the six months ended June 30, maintaining the momentum of the first quarter as we make good progress in our strategy.
“The group recorded a consolidated net profit of QR 1.4 billion for the period, up 7.9% compared to the same period last year, mainly due to an improvement in net interest income and to an increase in contributions from our associates.
“Group net interest income for the six months ending June 30 increased by 10% to QR 2 billion compared to the same period last year. The growth was driven mainly by the revaluation of assets due to the rise in interest rates, which had a positive effect on interest income, which increased by 10.7% In addition, the net interest margin improved from 2.6% to 2.8%.
“Total normalized fee and other income experienced a healthy growth of 18% to QR 595.6 million compared to the same period last year, mainly due to an increase in foreign exchange and trading income. Investment income decreased by QR 122.6 million due to increased volatility in global capital markets, despite this, normalized total operating income increased by 11.7%.
“On a normalized basis, the Group’s cost/income ratio improved to 22.6% from 25.3% in the same period last year thanks to the growth in operating income.
“As a result, operating profit in the first six months of 2022 increased by 15.9% to QR 2 billion compared to the same period last year.
“Net provisions are in line with guidance provided on the cost of risk as we continue our conservative provisioning approach.
“Group loans and advances amounted to QR 101.2 billion for the first six months of 2022, up 0.6% compared to the same period last year, mainly due to growth loans to the private sector, mainly in the trade and services sectors. Overall loan growth was impacted by government repayments due to the strong fiscal position.
“Customer deposits increased to QR 89.3 billion, up 8.5% compared to the same period last year. Low-cost deposits increased by 11%, which contributed positively to our net interest margin.
“The National Bank improved its normalized cost-income ratio to 20%, from 21.1% in the same period last year, as the bank continues to focus on improving efficiency through technology.
“Our associates continue to deliver better performance. Net profit of associated companies increased to QR 106.4 million, up 68.2% from the same period last year.
“During the period, the Group applied hyperinflationary accounting to Alternatif Bank in accordance with the requirements of International Accounting Standards (IAS) 29, resulting in a non-cash “net monetary loss” of QR 69.2 million recorded in the Group’s income statement This accounting adjustment is neutral on the Group’s total equity.
“Alternatif Bank recorded a net profit of QR 84 million for the first half of 2022, compared to a net loss of QR 13.8 million last year, mainly due to improved foreign exchange and trading income. With the hyperinflation adjustment, the net contribution from Alternative Bank was QR 58.6 million.”

Emily Dievendorf felt compelled to run to represent Lansing, Michigan State House 77th District


LANSING — Emily Dievendorf could have had some extra money for the first time in her life, after selling a house she could barely afford. Instead, she opened a bookstore in downtown Lansing — a nonprofit bookstore, no less — with the idea of ​​creating a community center for anyone who could use a safe and helpful space for knowledge, brotherhood and activism.

Dievendorf might also have been out of this election cycle, still healing after being hit by a motorcycle during a Black Lives Matter protest two years ago.

But Dievendorf never saw a reason to be comfortable. As she saw, there was a need for someone like her as the Democratic candidate in the race for the newly drawn 77th State House district, which includes Lansing north of the Grand River, DeWitt, some of Grand Ledge, Eagle Township and Westphalia.

She had no intention of running for the seat, but felt the other candidates lacked what she had – two decades immersed in politics and activism in this community.

Dievendorf’s opponents in the August 2 77th district primary are DeWitt’s Logan Byrne and Lansing’s Jon Horford.

RELATED: For former basketball star Jon Horford, the Lansing area is his home. Now he wants to represent him at the State House.

“I never chose a job because it was fun,” Dievendorf said. “I think civil rights, I think that’s what politics should be – I think politics is supposed to be about representation. And, for me, it’s making sure the community is in the office.

“I always say I’m an easy Google. And when you Google me, you’re going to find a lot of people who like me and a lot of people who hate me, and the people who hate me, I’m happy about that. Because these are the same people who work very hard to prevent the most vulnerable from having equality before the law.

You can get an idea of ​​Dievendorf’s position by walking around Resistance, the bookstore and community space she and partner Fae Mitchell opened last winter on Ionia Street downtown. It’s a place built on inclusive ideas and challenging old norms. Racial justice, policing, feminism, celebrating the life and rights of people from the LGBTQ community, people with disabilities – these are some of the themes exhibited through literature and art.

“She is an advocate for LGBTQ, as well as female choice, as well as racial equity. And it’s really rare when you see these things together,” said The Shawn Erbya local activist who notably launched the Lansing chapter of the Poor People’s Campaign.

Dievendorf is someone who questions the policing of our society and advocates for LGBTQ rights — including her own — but she’s not without a full understanding of other points of view. Dievendorf, who is bisexual and non-binary, was raised in Kalamazoo in a straight Christian home, her mother a public school teacher, her father a police officer, whom she describes as “the best man I know.”

“That’s not to say we haven’t had some very difficult conversations about policing over the years,” she said.

RELATED: Election 2022: Candidates for Michigan Representative District 77 in their own words

Dievendorf arrived in the Lansing area in 1997 to attend Michigan State University, vowing she would never enter politics. But after interning in the state legislature and winning an essay award for MSU’s Institute for Public Policy and Social Research, she ended up staying in politics, working for Democrats Alexander Lipsey and Andy Coulouris. She later became a lobbyist and executive director of the civil rights group Equality Michigan, which serves the state’s LGBT community, and currently works as a civil rights and political consultant.

“It’s been extremely helpful to learn how everything works,” Dievendorf said of his time in the legislature. “And I became this person who pushes very hard and is obsessed with ethics. But also someone who knows the value of strategic work. I am extremely grateful to have a deep understanding of the legislative process. And I felt that it was important that we had someone (in racing) who was experienced, but I thought it was even more important that we had someone who had been in the area for a long time. And I’ve been in Lansing for that I am 18 years old.

Lansing in Dievendorf is a special place. A community that has something that others don’t.

“The difference I’ve seen in Lansing is people showing up,” Dievendorf said. “People are constantly showing up to grow Lansing. But not just for now. It’s for 10 years, 20 years later. In every corner of the different things that we’re trying to do – whether it’s housing, whether it’s entertainment, all the different kinds of advocacy we want to do, all the different forms of economic development, people of all ages are working for do Lansing where they see it can be, and they don’t do it for themselves. They sure appreciate it, but they work hard, and they put it where it’s going to be, maybe, when they won’t be considered cool enough to attend the party. And I admire that so much. I’ve never seen that pretty much anywhere else.

Hence the decision to put every extra penny into The Resistance.

“I’ve always been a lousy civil rights leader and never had any money,” said Dievendorf, who rents a house in north Lansing. “So it made no difference. … (I thought) maybe I’ll just pretend I never had it and invest it in something good for the community.

Lansing's Emily Dievendorf communicates with James Anthony Mitchum via pen and paper, Thursday, June 30, 2022, at her boutique The Resistance Bookstore, which she co-owns.  Mitchum, who lives nearby, is hard of hearing.  They met when he walked into her store with a letter asking for her help with a phone call he couldn't make due to his inability to communicate over the phone.

Contact Graham Couch at [email protected] Follow him on Twitter @Graham_Couch.

Book coffee trend catches up in tricity: The Tribune India


What does it take for a business to survive decade after decade? The answer is to improvise with the changing times, a concept well understood by Bahrison booksellers as they make book cafes fashionable in Tricity.

In the bookstore business since 1952, Anuj Bahri, son of Balaraj Bahri (founder) continues the family business which combines reading and socializing. And now they have moved out of New Delhi to make Chandigarh the first leg of their expansion model.

But why Chandigarh? Anuj replies, “Because we had clients from Chandigarh who would bother to travel to Delhi to visit us. And coming to Chandigarh will not only serve them but help us to associate with the intellectuals of the city. That’s why we don’t hire fancy managers or MBA graduates as store managers, but prefer people who have worked with us for several years and have that practical experience to provide service to avid readers.

About its location, says Anuj, “Sector 8 is centrally located and with Punjab University nearby, we get walk-in clients as well as regular clients.”

Anuj, who advocates individual experience rather than candor, believes that creating a brand and then marketing it is not their way of doing business. “If we expand, there will always be a family member and our team running it. At the moment, given the warm reception in Chandigarh, there are plans to set up another store, but the venue is not yet final, whether it is Chandigarh or Ludhiana,” he says.


Ranging from general books to collectibles like The Impossible Collection of Fashion, a coffee table book that costs a whopping Rs 96,000, the store offers a wide variety. From leather-bound classics to fabric classics, from the Japanese manga collection to the Marvel and DC comic book collection, it’s all covered.

Hogwarts Legacy Collector’s Edition Content Appears Online


Hogwarts Legacy Collector’s Edition and Deluxe Edition content has appeared online.

As spotted by Reddit user u/BattleDashBR, hidden files on the Hogwarts Legacy website have been spotted that appear to show the various items included in the collectible and deluxe versions of the game.

It’s unclear how long this file has been on the website, but it’s attached with links to major US retailers Best Buy and Game Stop, suggesting the pre-order campaign for these items could begin soon.

Hogwarts Legacy – Official Gameplay Overview | PS5, PS4

The majority of items included in both editions appear to be cosmetics for use in-game. The game’s trailers have shown off a wide range of customization options, but it’s unclear at this point if these items would be exclusive to these editions or simply to unlock at the start.

Mounts were featured as part of the initial trailer and the recent state of play, however, the Thestral, which is a skeletal horse only visible to people in the wizarding world who witnessed death, did not appear. not yet introduced as a mount.

Hogwarts Legacy Collector's Edition Content Appears Online

The Collector’s Edition would also feature an “Ancient Floating Wand with Book”, which may be a physical item, as it is not included in the Deluxe Edition.

In Hogwarts Legacy, the use of “ancient magic” is something unique to the player, allowing them to traverse areas of Hogwarts untouched by normal students. The State of Play presentation suggested this would be the heart of the game, so a Collector’s Edition item representing this would make sense.

Hogwarts Legacy Collector’s Edition

  • Basic game
  • Mount Thestral
  • Dark Arts Cosmetic Pack
  • Dark Arts Battle Arena
  • Dark Arts Garrison Hat
  • 72 hours early access to the game
  • Kelpie dress
  • Steel case
  • Floating Antique Magic Wand with Book

Hogwarts Legacy Deluxe Edition

  • Basic game
  • Mount Thestral
  • Dark Arts Cosmetic Pack
  • Dark Arts Battle Arena
  • Dark Arts Garrison Hat (Digital Deluxe only)
  • 72 hours early game access (Digital Deluxe only)
  • Kelpie dress

The eagle-eyed members of the Hogwarts Legacy subreddit recently discovered another secret seemingly hidden in plain sight, a glimpse into the game’s UI.

As posted on the r/HarryPotterGame subreddit, menu items appear for as little as a few images.

To be released under Warner’s Portkey Games label, it was originally slated for release in 2021 on PS5, PS4, Xbox Series X/S, Xbox One, and PC.

However, last year Warner delayed the game’s release window to 2022. It recently reiterated plans to release Hogwarts Legacy this year (including a previously unannounced Switch version), as well as WB Games Montreal’s Gotham Knights. , which will arrive in October.

Pokemon McDonald’s Happy Meal Details Online Leak


Leaked promotional images apparently confirmed the return of Pokemon McDonald’s Happy Meals cards. After reports of Pokemon-themed Happy Meal toys returning to UK McDonald’s, additional promotional images have leaked onto the internet revealing more details about the promotion, which is also believed to be taking place in Canada. As previously suspected, Happy Meals will come with a Pokemon trading card game booster pack containing four cards, plus a new “Match Battle” spinner toy and a coin featuring one of many Pokémon. There are several spinners of different colors and coin types featuring different Pokémon, with two different Pokémon featured each week. In something of a surprise, Rowlet will be joining Pikachu in appearing as the Featured Pokémon three times, with Victini, Growlithe, Gossifleur, and Smeargle also receiving coins during the promotion. The promotion will run in Canada from August 9 through September 22.

PokemonTCG’s upcoming Happy Meal McDonald’s pokemon toys

Last year’s Pokemon-themed Happy Meals were a hit, though the promotion took place amid a major Pokemon card shortage. Scalpers raided McDonald’s for promotional Pokémon card packs, leading some McDonald’s to impose limits on the number of Happy Meals people could purchase at one time.

The new promotion comes at an interesting time, as The Pokemon Company is gearing up to launch a new pair of Pokemon games – Pokemon Scarlet and Violet. The new games will introduce both new Pokémon and an all-new region, as well as several “firsts” for the game franchise. Pokemon scarlet and violet will be the first truly open Pokemon games and will also be the first to feature multiplayer features beyond trading and battling Pokemon. However, Pokemon scarlet and violet won’t be released until November, which means the games won’t get the extra attention that comes with getting toys in Happy Meals.

Like buses … nothing for months, then three arbitral awards on Covid arrears in one fell swoop | Bryan Cave Leighton Paisner


Falcon Chambers Arbitration recently released three awards under the Commercial Rents Act 2022 (coronavirus), which provide welcome guidance on the interpretation and application of the 2022 Act.


In a victory for the owners, the first known Arbitration Reward under the Commercial Rents (Coronavirus) Act 2022 refused to give the tenant relief from his arrears of £450,000 relating to his head office premises. In dismissing the tenant’s referral to arbitration under the 2022 Act, Gary Cowen QC determined that the rent the tenant was seeking relief from was not a protected rent debt under the 2022 Act because the premises to which the arrears related were not subject to a closing requirement, so the tenant had not been affected by the coronavirus.

The second Awardof Stephanie Tozer QC, concerned a matter of procedure, the main finding being that while an arbitrator is likely to allow changes to correct clerical/calculation/entry errors in the parties’ initial formal proposals, more Substantial questions regarding methodology or reasoning will not be allowed, and will instead have to be addressed again in the second round of proposals.

Finally, in the third most recent Award, the fact that the tenant went into voluntary liquidation shortly after the landlord submitted a protected rent debt to arbitration did not impact or disrupt the arbitration process. The arbitrator therefore proceeded with an award, which required him to first determine whether the dispute was eligible for an award of relief (before considering how to resolve the issue of relief). One of the conditions of eligibility is that the tenant’s business is viable (or could become viable in the event of relief from the payment of the debt of rent). In this case, Martin Dray determined that the tenant’s business was not viable and would not become so even if relief from payment of the rental debt of approximately £81,000 was granted. The dispute was therefore not eligible for the award of compensation and was therefore dismissed.

This article will focus on the first award, as it relates to an issue that many have grappled with since the start of the arbitration program under the 2022 Act.

Facts and Arguments

The tenant, Signet Trading Ltd, operates around 300 retail stores under the H Samuel and Ernest Jones brands, but the arbitration only concerned its four-storey headquarters premises in Hertfordshire.

On March 23, 2020, as a result of the pandemic, all of its more than 300 retail stores were closed and all but two employees working from its head office were forced to work from home.

Signet argued that rent that became payable during the pandemic in respect of its head office premises was a “protected rent debt” under the 2022 Act, in respect of which relief could be sought, on the following basis:

  • Lockdown regulations have forced all of its retail stores to close and the vast majority of its head office employees to work from home
  • Although the offices were not forced to close, the business it carried out from its head office premises supported its retail business, so it was also subject to a closure obligation.
  • The tenant’s business was therefore negatively affected by the coronavirus during the relevant period

The determination

The arbitrator does not agree with the tenant, considering that the law of 2022 only concerns the rent attributable to the specific premises transferred by the commercial lease, in this case the premises of the tenant’s head office. A protected rent debt only arises if a tenant can demonstrate that a closure requirement has affected all or part of the activity carried on in or from the specific premises for which an exemption from payment is requested.

The business operated by the tenant in the premises of its head office was not a retail business forced to close. Even though most head office employees were forced to work from home, the lockdown regulations did not require the premises themselves to be closed, so the tenant’s business which he specifically operated from the premises could not be considered affected by the coronavirus. The arrears accumulated in respect of the premises of the head office were therefore not considered as protected rental debts whose exemption could be requested under the law of 2022.

The arbitrator rejected the dismissal and expressed an interim opinion that the tenant, being the losing party, should pay the landlord’s costs.


This award provides useful clarity on the situation regarding retail head office premises. There is no doubt that many retail head offices have been impacted by the pandemic as all of their (non-essential) retail stores were forced to close and offices were largely empty during lockdown periods when individuals were forced to stay home with limited exceptions. .

However, the 2022 law imposes on the arbitrator a close examination of the activity carried out specifically in the premises to which the arrears of rent relate. If neither the activity of the tenant carried on the premises nor the type of premises has been restricted or forced to close, then even if this activity may have been indirectly affected by the forced closure of other related businesses/premises, it will not be considered to have been “adversely affected by the coronavirus” for the purposes of the 2022 Act, and he cannot seek relief from payment of rent arrears accrued during the pandemic.

It will be up to shops or businesses that have been forced by closure regulations to seek relief from the payment of accrued rent in respect of their individual business premises.

[View source.]

July 22, 2022 ‹ Literary crossroads


TODAY: In 1886 the Estonian-Finnish writer Hella Wuolijoki, also known as Juhani Tervapää, was born.

Also on Lit Hub: A reading list for lovers, lovers and loved ones • Counting with the memory of Jonas Mekasgodfather of avant-garde cinema • Read the latest novel by Nell Stevens, In short, a delicious life

5 ways to fight inflation with coupons


You don’t need anyone to tell you that there is record inflation in the United States. You see it in the stores and smell it at the gas pump.

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Learn: stimulus updates you need to know for summer 2022

According to the latest data, inflation jumped to 9.1% in the 12 months ending in June 2022. For reference, inflation has been between 0.7 and 2.3% over the past past 10 years, except last year when it jumped to 7%.

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Fortunately, there are ways to combat these astronomical prices. Coupons and loyalty programs are often underused ways to save money without sacrificing the things or brands you love. Follow these five tips to save big despite rising costs.

Shop supermarket flyers for weekly sales

Whether you’re trying to feed a family of four or 14, there are ways to save in the grocery aisle. What many young people don’t realize is that grocery stores still print flyers that tell customers about weekly deals and may even have hidden coupons. You can usually find a supermarket’s weekly leaflet at the front of the store or have it mailed to you.

Take our survey: Do you tip for service?

If you have the time and the patience, you can use the flyers to buy at the lowest price. Supermarkets now have to compete with online grocers like Amazon Fresh and hybrid stores like Target and Walmart, which have been steadily increasing their grocery sections for more than a decade. Use the competition to your advantage and spend a few minutes browsing to find the best deals on the products you love.

Clip digital coupons on retailer sites and apps

Another way to save big at grocery stores and other retailers is to cut digital coupons. And guess what: there’s an app for that. Almost every chain store has an app that not only lets you buy merchandise and set up delivery or pickup orders, but also gives you dozens of digital coupons that you can clip and save.

Refund offer : Get cash back on your groceries with a photo of your receipt. Join now and get a $20 welcome bonus.

The advantage of digital coupons is that you won’t have to worry about paper cuts or queuing at checkout while you rummage through your coupon book. Digital coupons are saved directly to your account on the app and will be applied at the end of your transaction.

All you have to do is download the retailer’s app and then create an account, which is usually free. Then start cutting. Just be aware that there may be a limit to the number of digital coupons you can store at one time, and you should keep checking (and cutting) to get the best deals. Target Circle and Kroger are two great examples of retailer sites offering superior ways to save.

Use discount and cashback programs

In addition to digital coupons, many retailers offer rebate and cashback programs. For example, Kroger (the parent company of grocers like Ralphs on the West Coast) gives shoppers a reason to smile with their cashback offers. Other non-commercial sites such as coupons.com, Ibotta, and Rakuten also offer cashback and rebates to customers.

To redeem the rewards, you will need to download the app and create an account. Depending on the site, you can receive your incentive by check, PayPal, or store credit. Think of these programs as free money. Just be careful not to start shopping just because they offer cashback. The cost of buying something you don’t need will quickly outweigh the benefit.

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Join gas station loyalty programs

The price at the pump is exorbitant. Unfortunately, the majority of Americans have to shell out the money. So until you’re ready to go electric or hybrid, you need to find real solutions for the outrageous amount you’re paying to fill your tank.

The solution? Service station loyalty programs. Most large gas stations offer some kind of incentive to loyal customers. The trick is to try to use the same gas station. Most loyalty programs offer better rewards if you spend more. Also look for joint programs like grocery chains that offer gas rewards for purchases at their stores.

Check brand sites for manufacturer coupons

Retailers aren’t the only ones offering discounts to customers willing to do a little homework. You can get coupons directly from the manufacturer online or in the newspaper. If you are not interested in subscribing to a Sunday newspaper, you can visit the manufacturer’s website or check with the retailer. Many grocery and big box stores offer manufacturer coupons in addition to their own digital savings. Good clipping!

More from GOBankingRates

Energy Trading and Risk Management (ETRM) Market Outlook 2022 and Forecast by 2029 – OpenLink, FIS, Sapient, Accenture – This is Ardee

Global Energy Trading and Risk Management (ETRM) Market Overview and Analysis:

New Jersey, United States, Report Title Energy Trading & Risk Management (ETRM) is one of the most comprehensive and important additions to audited market reports. Provides detailed research and analysis of key aspects of the global Energy Trading and Risk Management (ETRM) market. Market analysts write detailed information provided in this report. This is a comprehensive analysis of the global Energy Trading and Risk Management (ETRM) Market, providing growth drivers, restraints, challenges, trends, and opportunities. Market players can use market dynamics analysis to plan effective growth strategies and prepare for future challenges. Each trend in the global Energy Trading & Risk Management (ETRM) market is carefully analyzed and researched by market analysts.

Furthermore, the global Energy Trading and Risk Management (ETRM) market is expected to grow at a CAGR of roughly X.X% over the next five years, and will reach USD X.X billion in 2020, USD X.X billion US dollars in 2028.

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Competitive composition is an important aspect that every key player must know. This report sheds light on the competitive scenario of the Global Energy Trading and Risk Management (ETRM) Market to know the competition at country and global level. Market experts also provide an overview of all major players in the global Energy Trading and Risk Management (ETRM) market, considering key aspects such as regional operations, production, and portfolio of products. Furthermore, the company report is based on key research factors such as company size, market share, market growth, revenue, production and profit.

The study focuses on the current market size of the Energy Trading and Risk Management (ETRM) market and growth rate based on historical company overview of major actors / manufacturers:

Key Players in Energy Trading and Risk Management (ETRM) Market are:

  • Open link
  • FIS
  • Wise
  • Accenture
  • Trayport
  • allegro
  • ABB
  • triple stitch
  • SAP
  • Amphora
  • Eka software

Market Segmentation of Energy Trading and Risk Management (ETRM) Market:

Energy Trading and Risk Management (ETRM) market is split by Type and by Application. For the period 2021-2028, Intersegment Growth provides accurate calculations and forecasts of sales by Type and Application in terms of volume and value. This analysis can help you grow your business by targeting qualified niche markets.

Global Energy Trading and Risk Management (ETRM) Market Segment By Type:

  • Type I
  • Type II
  • Type III
  • Type IV

Global Energy Trading and Risk Management (ETRM) Market Segment By Application:

  • Power
  • Natural gas
  • Oil & Products
  • Other

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UNITY Value (million USD/billion)
SECTORS COVERED Types, applications, end users, and more.
REPORT COVER Revenue Forecast, Business Ranking, Competitive Landscape, Growth Factors and Trends
BY REGION North America, Europe, Asia-Pacific, Latin America, Middle East and Africa
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The analysis of the regional Energy Trading & Risk Management (ETRM) market can be represented as follows:

This part of the report assesses key regional and country-level markets on the basis of market size by type and application, key players, and market forecast.

On the basis of geography, the global Energy Trading & Risk Management (ETRM) market has segmented as follows:

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

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The bookseller who helped transform Oxford, Mississippi


At the time, there was no reason to believe that Howorth would help keep the family’s literary tradition alive. He was not a great reader – or, for a long time, a great whatever. There are five Howorth brothers, and Richard is in the middle of them. Two have moved, one to become a lawyer on Wall Street, the other to become an architect in New Orleans; two remained in Oxford, one overseeing admissions to the University of Mississippi, the other running a law firm in town before serving three terms as a Lafayette County Circuit Court judge. Howorth wasn’t sure if he wanted to stay or go, and he wasn’t sure what he wanted to do with his life.

“I was directionless,” Howorth said. “Fortunately, my older brother always had these great ideas and plans for what we should do, like joining the circus.” David, that brainstorming big brother, had at least one slightly more realistic idea: Throughout their childhood, he’d said that the city of Oxford really should have a bookstore, partly because of Faulkner and partly because of the university, but mostly because any town worth living in needed a place to buy books. “I was never a very good student in high school or college,” Howorth said, “but I managed to graduate and I kept thinking about David’s bookstore.”

“David’s Bookstore” became Square Books in 1979. Convinced it would need foot traffic to survive, Richard went looking for retail space but found nothing suitable until another of her aunts, Vasser Bishop, offered her a second floor. next to the Neilson department store. The daughter of an English professor who once gave Faulkner a D, Bishop charged her nephew rent but volunteered his time at the bookstore.

Lisa, Howorth’s wife, also took shifts. Originally from Chevy Chase, Maryland, she had found her way to Oxford from San Francisco in the early 70s via a Volkswagen bus, abandoning the California scene after it became ‘very dark and very weird’, heading south on a lark after remembering how much she loved reading Faulkner in high school. “I didn’t know anyone here,” she said. “I ran into a handful of hippies. They had a house near the university, an old house where we had a lot of parties, and that’s where I met Richard one crazy night.

Howorth was no regular at this party or any other, but he was picked up by the smart, lanky girl with the house cat she had trained to do tricks. Inconveniently, he was about to take off for the coast that Lisa had recently abandoned: “I had this buddy whose sister lived in Oregon, and we went over there and worked in a blind manufacturing plant. said Richard. “I was afraid I would never see Lisa again, so I wrote her this letter, saying I wanted to keep in touch, and left it for her in the big house. And, the next morning, I get up at dawn to drive west, and there’s this letter on my windshield, and I tell my homie I won’t open it until we’re not to a few states.

Howorth read the letter as soon as he crossed the third state line. Although her feelings quite matched hers, it still took her a few more weeks to call the number she had given him. When he returned home to Oxford a few months later, the first thing he did was leave, for Washington, DC, where Lisa had returned to be with her family. She eventually returned to Oxford with Richard, and they married there before settling for a time in Washington, where they got their start in the bookstore, at the Savile Book Shop in Georgetown. “More stops than starts,” jokes Richard, as part of what the couple did during their two-year apprenticeship was to help shut down the place. “It was a great store back then – it really was, but it was on its last legs, and when they decided to close the store, we stuck around long enough to close it.”

Iconic Toys “R” Us returns to New Jersey with multiple stores


Geoffrey Giraffe and Toys “R” Us return to the Garden State.

The Toys “R” Us brand owner is partnering with Macy’s to open toy stores in all Macy’s stores in America.

“Macy’s is looking forward to bringing the Toys ‘R’ Us experience to life in our stores,” said Nata Dvir, director of merchandising at Macy’s.

There are 24 Macy’s locations in New Jersey and all will have a Toys “R” Us inside.

In smaller Macy’s stores, toy stores are only about 1,000 square feet. In larger stores, such as Macy’s flagship store in New York, Toys “R” Us stores can reach 10,000 square feet.

Company officials say all toy stores will get bigger during the holidays.

In a statement announcing the partnership, Macy’s promises the Toys ‘R’ Us brand will “come to life in-store with playful, colorful fixtures as well as handy demonstration tables” so kids (and adults) can try out the latest toys. Each location will also have a life-size “Geoffrey on a Bench” for family photos.

In 2018, the beloved Toys “R” Us announced that it would be closing or selling all of its stores.

They sold their former world headquarters to Wayne in 2019.

The brand was purchased by Tru Kids Brands in 2019. Efforts to revive the brand never really took off until WHP Global acquired a majority stake in Tru Kids and initiated the partnership with Macy’s.

Stores are expected to start opening at the end of July, with all open by mid-October.

To celebrate the openings, all Macy’s stores will host nine days of in-store events, October 15-23, which will include family activities and daily giveaways from brands like Barbie®, LEGO® and more.

Eric Scott is the senior policy director and anchor of New Jersey 101.5. You can reach him at [email protected]

Click here to contact an editor about a comment or correction for this story.

KEEP READING: Here are 50 of your favorite chain stores that no longer exist

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Nikola still has no vote for the stock issue plan opposed by founder Trevor Milton


US Nikola CEO and Founder Trevor Milton speaks during the presentation of his new all-electric battery and hydrogen fuel cell trucks in partnership with CNH Industrial, at an event in Turin, Italy, on December 2, 2019.

Massimo Pinca | Reuters

Electric truck maker Nikola has once again failed to win shareholder approval to raise new funds, the company said on Monday. The measure has so far been blocked by the company’s founder, who has since died.

In a brief webcast on Monday, Chairman Steven Girsky said that while the vote on the new stock issuance proposal is closer than it was a few weeks ago, the count is still below the 50% outstanding shares needed to pass. The meeting is adjourned until August 2.

Shares of Nikola were roughly flat in after-hours trading after the meeting ended.

Nikola seeks to raise funds by issuing new shares, a process that requires shareholder approval. The company’s June 1 annual shareholder meeting was adjourned after its founder and former CEO and chairman, Trevor Milton, voted against the proposal. The meeting briefly resumed on June 30, only to be adjourned again as the proposal still had not received the necessary votes.

Milton left the company amid fraud allegations in 2020, but remains Nikola’s largest shareholder. He owns 11% of the company’s stock and controls about 9% more through an investment vehicle he co-owns, giving him control of about 90 million shares of Nikola.

In order to pass the new share proposal, 50% of Nikola’s outstanding shares must be voted in favor. As of July 18, Girsky said, the vote was within 0.5%, or less than 1.6 million shares, of the vote.

Nikola is not in immediate danger of running out of cash, but the freedom to issue new shares would give him financial flexibility. Chief Financial Officer Kim Brady said in May that the company has enough cash to fund operations for at least a year. But he also noted Nikola was burning about $180 million per quarter, and then said a stock offering had been baked into his plans for later in 2022.

As of March 31, Nikola had $385 million in cash and an additional $409 million available through a capital line from Tumim Stone Capital. It raised an additional $200 million through a convertible note issuance in May.

Milton, who founded Nikola in 2015, left abruptly in September 2020 after short seller Hindenburg Research accused him of making false statements to investors about the company’s technology and backlog.

A federal grand jury has since indicted Milton on four counts of fraud related to statements he made to investors about Nikola’s business. His trial is currently due to begin in September. Milton denied the allegations.

Nikola will release its second quarter results before US markets open on August 4.

Correction: This article has been updated to correct Kim Brady’s pronouns.

iRhythm Technologies announces the appointment of its Chief Commercial Officer

SAN FRANCISCO, July 18 10, 2022 (GLOBE NEWSWIRE) — iRhythm Technologies, Inc. (NASDAQ:IRTC), a leading digital healthcare solutions company focused on advancing cardiac care, today announced that Dave Vort, Chief Commercial Officer of company, resigned effective July 25, 2022. To support the continued growth and continued execution of iRhythm’s business strategy, Mr. Vort will continue to serve the company as a strategic advisor and actively engage with the management team of the company until March 31, 2023.

“We are grateful to Dave for his many contributions over the past eight and a half years, leading iRhythm from its commercial beginnings through periods of transformational growth,” said Quentin Blackford, President and CEO of iRhythm. “Dave has been instrumental in building our world-class business organization and has been key to our continued success. We thank Dave for all he has done for iRhythm and look forward to his continued contributions as as a strategic advisor.

The company also announced that Chad Patterson will join iRhythm’s leadership team as its new Chief Commercial Officer, managing the company’s business strategy, operations and execution. Mr. Patterson most recently served as Chief Marketing Officer at Dexcom, Inc., where he was instrumental in strategic marketing initiatives to drive revenue growth across multiple geographies.

“As iRhythm expands in its core US markets, other international geographies, and adjacent markets, we are excited to welcome Chad to our leadership team. Chad joins us at the perfect time to leverage his experience in driving significant growth in global markets as we seek to execute our renewed corporate strategy.With his track record of execution and extensive experience, his data-driven approach to strategies and operations sales and marketing capabilities will enable us to continue to evolve as a market leader in the space,” continued Mr. Blackford.

Finally, iRhythm estimates that preliminary unit volumes for the three months ended June 30, 2022 will be slightly higher than expected. The company continues to expect full-year 2022 revenue in the range of $410 million to $420 million. These estimates are preliminary and therefore subject to change.

“Although preliminary, we are pleased with our second quarter volumes which demonstrated steady growth in our core US market at slightly better than expected rates as well as another quarter of record bookings. We look forward to providing additional information when we release our second quarter 2022 results in August,” concluded Mr. Blackford.

iRhythm Technologies to Release Second Quarter 2022 Financial Results on August 4, 2022
iRhythm will release second quarter 2022 financial results after market close on Thursday, August 4, 2022, and the company’s management team will host a corresponding conference call beginning at 1:30 p.m. PT/4:30 p.m. ET. Investors interested in listening to the conference call may do so by accessing the live and archived webcast of the event available in the “Investors” section of the Company’s website at: www.irhythmtech.com.

About Mr. Patterson
Chad Patterson most recently served as Chief Marketing Officer of Dexcom, Inc., where he was responsible for global product management, design, clinical education, customer experience, research, public relations, healthcare providers and direct-to-consumer marketing. Chad has been instrumental in driving revenue growth initiatives that have seen the company grow from $400 million to projected revenue of approximately $2.9 billion in fiscal 2022, as well as expanding beyond the United States and into over 50 countries, generating over $750 million in revenue. annual international sales. Earlier in his career, Chad held various strategic global brand and product management positions with Nestlé in the United States and Switzerland. In his last role, he was responsible for developing and executing the 10-year global business strategy for Nestlé’s fastest growing global brand, Coffee-Mate®. Chad received his Masters of Business Administration from the University of Southern California, Marshall School of Business, and a Bachelor of Arts from Gonzaga University, where he played Division I football.

About iRhythm Technologies, Inc.
iRhythm is a leading digital health company redefining the way cardiac arrhythmias are clinically diagnosed. The company combines wearable biosensor devices worn for up to 14 days and cloud-based data analytics with powerful proprietary algorithms that distill data from millions of heartbeats into clinically actionable insights. The company believes that improvements in the detection and characterization of arrhythmias have the potential to change the clinical management of patients.

Forward-looking statements
This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934 and the Private Securities Litigation Reform Act of 1995. Such statements include those relating to expected volume of iRhythm for the second quarter of 2022, revenue for the remainder of fiscal 2022, duration of the consulting agreement with David Vort, expansion into additional geographies and markets, and future growth opportunities . These statements are based on management’s current assumptions which involve risks and uncertainties, and actual results and results could differ materially from those anticipated. Risks and uncertainties that could cause actual results to differ materially from current expectations, many of which are beyond our control, include risks described in more detail in iRhythm’s Quarterly Report on Form 10-Q for the Period Ended on March 31, 2022, as filed with the Securities and Exchange Commission on May 6, 2022. These forward-looking statements speak only as of the date hereof and should not be relied upon unduly. Except as required by law, iRhythm undertakes no obligation to update these forward-looking statements after the date of this release.

Investor Relations
Stephanie Zhadkevitch
(919) 452-5430
[email protected]

iRhythm Media Contact
Morgan Mathis
(310) 528-6306
[email protected]

Where is The Crawdads Sing based on a true story?


After hearing about the talent involved, you probably didn’t even need to see a trailer for sale on Where The Crawdads Sing.

In the central role, we have Daisy Edgar-Jones. The 24-year-old English actress is best known for her earlier work on the Normal People miniseries (she played Marianne Sheridan) while other TV work includes Cold Feet and Under The Banner Of Heaven.

She recently impressed in the comedy horror film Fresh, so it’s good to see her again in another film courtesy of director Olivia Newman’s American mystery drama. Produced by Reese Witherspoon, Where The Crawdads Sing tells the story of Catherine “Kya” Clark, a young girl who grows up in a North Carolina swamp and becomes the prime suspect in the murder of her ex-boyfriend.

It’s a story that will smother audiences with a host of tense sequences, all held together by a gripping performance.

However, you may walk away — or even walk into the movie — with a burning question. Where is The Crawdads Sing based on a true story?

from the official trailer for Where the Crawdads Sing, Sony Pictures Entertainment

Where is The Crawdads Sing based on a true story?

No, Where The Crawdads Sing is not based on a true story.

However, it’s based on Delia Owens’ 2018 novel of the same name, and Olivia Newman directs a very faithful adaptation of the source material.

You might think four years is a pretty quick turnaround, but it’s no surprise that an adaptation came sooner rather than later. Where The Crawdads Sing is one of the best-selling books of all time and Rolling Stone reports that over 15 million copies have been sold since its publication.

Thanks to the film’s release, it also returned to the book sales chart and climbed to the top spot. So if you’re looking forward to reading before or after watching the movie, you’ll find copies on Amazon or any other book-selling site, as well as your local bookstore. However, popularity may see some places sell out.

Where the Crawdads Sing | Official Trailer 2

Brid TV


Where the Crawdads Sing | Official Trailer 2






“We shared this desire to do justice to Delia’s book”

While chatting with Refinery29, director Olivia Newman was asked what it was like bringing the novel to life with a female-led film crew.

“Making this film was one of the greatest creative gifts I’ve ever received,” she humbly explained.

“The book moved me deeply and I really wanted to do justice to Delia’s wonderful novel. And the wonderful thing about working with all of these amazing female department heads was that they were all equally passionate about the novel, and they all felt very connected to Kya and her story.

She added: “So we shared that desire to do justice to Delia’s book, to recreate Kya’s world as best we could, and to bring it to life on the big screen in a way that truly captured the hearts and minds. soul of the novel.”

Who stars in Where The Crawdads Sing?

You can check out the central cast and their respective roles below:

  • Daisy Edgar-Jones as Catherine “Kya” Clark
  • Jojo Regina as young Catherine “Kya” Clark
  • Taylor John Smith as Tate Walker
  • Luke David Blumm as young Tate Walker
  • Harris Dickinson as Chase Andrews
  • Michael Hyatt as Mabel
  • Sterling Macer Jr as Jumpin
  • David Strathairn as Tom Milton
  • Jayson Warner Smith as Deputy Joe Purdue
  • Garret Dillahunt as “Pa” Clark
  • Ahna O’Reilly as “Ma” Clark
  • Eric Ladin as Eric Chastain

Where The Crawdads Sing is in theaters now.

In other news, Vaashi: Release date and OTT streaming explained for courtroom movie

Kellogg’s Partners with Nickelodeon for New Apple Jacks Slime Cereal


The 90s were an iconic decade with a lot of iconic, well, everything. But for some ’90s kids, there are few things more iconic and nostalgic than Nickelodeon’s green slime. A staple of the Double Dare game show, this green slime has become deeply associated with Nickelodeon and now the network has teamed up with Kellogg’s to bring slime to breakfast with the release of new Apple Jack’s Slime cereal.

Arriving in stores nationwide this month, Apple Jack’s Slime cereal features toasty orange and green curls with hints of green apple flavor as one would expect from Apple Jacks, but the cereal pieces also contain green spots and that’s where the adventure begins. Once the milk is added, these specks turn your cereal milk the bright green of Nickelodeon Slime – just be sure to enjoy it in the bowl rather than making a mess.

“Both known for their bright orange and green colors, Kellogg’s Apple Jacks and Nickelodeon Slime are a perfect match,” said Sadie Garcia, brand marketing manager at Kellogg All Family Cereal. “Now families can experience all the fun of Slime at the breakfast table with a delicious new cereal that changes the color of milk while you eat.”

“Kids and adults alike will recognize the fun and spontaneity of Nickelodeon Slime in many of their favorite Nick shows,” said Priya Mukhedkar, senior vice president, Toys and Packaged Goods, Paramount Consumer Products. “We’re thrilled to bring our iconic Green Slime to fans in a whole new way with Kellogg’s Apple Jacks Slime.”

As noted above, Apple Jacks Slime is rolling out to retailers nationwide this month and has a suggested retail price of $4.49 for an 8.2-ounce box. As for Nickelodeon’s iconic slime, first introduced in 1979 on You Can’t Do That on Television, the vibrating substance gained popularity on Double Dare and remains a popular aspect of all things Nickelodeon to this day. It’s even become a staple of the Kids Choice Awards with celebrities slimmed down as part of the celebration — even during the 2020 Kids Choice Awards with winners emaciated at home due to the pandemic.

Are you going to check out Kellogg’s Apple Jacks Slime Cereal? Let us know in the comments section!

Venomous Lumpsucker by Ned Beauman review – playful satire of the meaning of life | Ned Beauman


NOTed Beauman was on Granta’s list of Britain’s best young novelists once a decade last time, in 2013, and his latest novel makes it clear that, not yet 40, he absolutely deserves a nomination next year too. Full of fun and big ideas, his conceptually clever novels crackle with comedy, alive in the past (his early days, Boxer, Beetleand second novel, The teleportation accidentdealt in different ways with the legacy of Nazism) as with the present (his third novel, Shine, was an ultra-contemporary conspiracy thriller centered in South London). His fifth book, Venomous lumpsuckerimagine an overheated, algorithm-driven near future in which guilty whining about endangered species has led to a global trade in “extinction credits,” awarded by a regulatory body essentially allowing the most wealthy to kill all the flora and fauna they can afford – knowing that tissue samples and genomic data are safely stored in “biobanks” across the planet.

The novel follows two strangers brought together by their vested interest in this niche market. Middle-aged Briton Mark Halyard is ‘an environmental impact coordinator’ for an Indian mining conglomerate, which sold short credits in a bid to game the system to fund its taste for refined foods (in short supply painful, thanks to global warming). ). Karin Resaint is a Swiss-German biologist hired by Halyard to assess the intelligence of fish off Sweden, which Halyard is in the process of blasting. She’s decided that the brains of the venomous lumpsucker, hailing from these waters, earn her a high number of credits, just as market volatility leaves Halyard’s get-rich-quick scheme painfully in the air. His only recourse is to pressure Resaint to downgrade the case, in order to avoid bankruptcy or worse…

So begins a jet-setting adventure through Baltoscandia, as we hop from an Estonian nature reserve to a Finnish labor camp and an offshore community at sea, cutting between the vistas of Halyard and Resaint in a quest tale captivating and talkative with a will-they-won’t-they-shudder. Philosophical and ethical conundrums, involving nothing less than the meaning and merit of life itself, float lightly in their simmering back and forth, and Beauman’s deft characterization makes the pair immediately engaging: “You can’t just be happy? for [him/her/them]?’, people had told Halyard in the past after he admitted deep jealousy or bitterness, but most of the time he viewed the very idea – happy for – as a con artist invented by pasting a preposition where she had absolutely nothing. logical business.

Halyard knows from the start that sex with Resaint isn’t on the cards, which doesn’t stop her from thinking about it, and her desire is uneasy, thanks to her lingering grief for her sister, Frances. , who overdosed on Xanax. in his adolescence.

An introductory note tells us that, for the convenience of the reader, Beauman ignored inflation and pegged the euro to its 2022 value. things will actually unfold,” he wrote, in a typically scintillating stalemate. His mischievous intelligence is felt everywhere. After a pivotal conspiracy cyberattack, we’re told: “Several of the companies involved in digitizing human brains after death had issued statements insisting that their own data centers were still absolutely secure, but a meme of Saudi origin was circulating now”. in which the architects of the Egyptian pyramids used exactly the same language with the pharaohs.

This throwaway line gives a sense of the richness with which Beauman thought through every element of his screenplay. The novel is buzzing with gadgets of all kinds, and above all, we see how they affect daily life: witness the pleasantly excruciating sex scene involving a variety of clothes, including one that allows simultaneous translation, which allows Resaint to connect with a Turkish naturalist. The book’s internationalism is also part of its appeal, heady from the sense that Beauman knows his stuff, whether he’s telling us about a biotech company in Japan, Resaint’s fieldwork in eastern Ukraine, or of the “disappearing peaceful kingdom of Tonga”. (A wickedly satirical post-Brexit subplot features an isolationist UK trapped by failing infrastructure and treated like the personal fiefdom of a tech boss.)

Halyard’s training in the novel’s pre-dystopian past – our present – makes him a figure of elegiac and amusing pathos, but we never doubt his weak venality, and a comically insensitive gain confirms the feeling that he is perhaps the kind of heroes we deserve as a species.

Venomous lumpsucker by Ned Beauman is published by Hodder & Stoughton (£20). To support the Guardian and Observer order your copy at guardianbookshop.com. Delivery charges may apply

Short-term interest on Royal Bank of Canada (NYSE:RY) rises 82.9%

Royal Bank of Canada (NYSE: RY – Get a rating) (TSE:RY) saw a surge in short-term interest in June. As of June 30, there was short interest totaling 12,310,000 shares, an increase of 82.9% from the total of 6,730,000 shares as of June 15. Based on an average trading volume of 980,300 shares, the short-term interest rate ratio is currently 12.6 days. About 0.9% of the stock’s shares are sold short.

Royal Bank of Canada Price Performance

Shares of NYSE RY were up $0.03 at midday Friday, hitting $91.12. The company had a trading volume of 1,452,020 shares, compared to an average volume of 869,432. The company has a quick ratio of 0.88, a current ratio of 0.88 and a leverage ratio of 0.11 . Royal Bank of Canada has a 12-month low of $90.93 and a 12-month high of $119.41. The company has a 50-day simple moving average of $98.89 and a two-hundred-day simple moving average of $106.36. The company has a market cap of $127.82 billion, a price-to-earnings ratio of 9.97, a growth price-to-earnings ratio of 2.00, and a beta of 0.90.

Royal Bank of Canada (NYSE: RY – Get a rating) (TSE:RY) last released its results on Thursday, May 26. The financial services provider reported earnings per share of $2.36 for the quarter, beating the consensus estimate of $2.08 by $0.28. Royal Bank of Canada posted a net margin of 28.54% and a return on equity of 17.97%. The company had revenue of $8.86 billion in the quarter. Equity research analysts expect Royal Bank of Canada to post earnings per share of 8.88 for the current year.

Royal Bank of Canada increases its dividend

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The company also recently announced a quarterly dividend, which will be paid on Wednesday, August 24. Investors of record on Tuesday, July 26 will receive a dividend of $0.995. This represents a dividend of $3.98 on an annualized basis and a yield of 4.37%. This is an increase from Royal Bank of Canada’s previous quarterly dividend of $0.94. The ex-date of this dividend is Monday, July 25. Royal Bank of Canada’s payout ratio is currently 42.01%.

Analysts set new price targets

Several equity analysts weighed in on the stock. BMO Capital Markets lowered its target price on Royal Bank of Canada shares from C$142.00 to C$140.00 in a report released Friday, May 27. Argus raised its price target on Royal Bank of Canada shares from $121.00 to $125.00 and gave the stock a “buy” rating in a Monday, June 6 report. Scotiabank lowered its price target on Royal Bank of Canada shares from C$150.00 to C$147.00 in a report released Friday, May 20. National Bank Financial raised its price target on Royal Bank of Canada shares from C$147.00 to C$148.00 in a report released Friday, May 27. Finally, Stifel Nicolaus cut his price target on Royal Bank of Canada shares from C$152.00 to C$150.00 in a Friday, April 8 report. One equity research analyst gave the stock a sell rating, five issued a hold rating and ten gave the company a buy rating. According to data from MarketBeat.com, Royal Bank of Canada currently has a “moderate buy” consensus rating and an average target price of $143.84.

Institutional entries and exits

A number of hedge funds and other institutional investors have recently bought and sold shares of the company. Vanguard Group Inc. increased its position in Royal Bank of Canada shares by 3.2% during the first quarter. Vanguard Group Inc. now owns 48,531,311 shares of the financial services provider worth $5,351,548,000 after acquiring an additional 1,503,485 shares in the last quarter. Wellington Management Group LLP increased its holdings in Royal Bank of Canada by 265.8% in the first quarter. Wellington Management Group LLP now owns 19,835,260 shares of the financial services provider worth $2,185,770,000 after purchasing an additional 14,412,851 shares during the period. 1832 Asset Management LP increased its stake in Royal Bank of Canada by 3.4% in the first quarter. 1832 Asset Management LP now owns 18,380,046 shares of the financial services provider valued at $1,998,605,000 after acquiring an additional 608,072 shares in the last quarter. Norges Bank acquired a new stake in Royal Bank of Canada in Q4 valued at approximately $1,635,969,000. Finally, the Toronto-Dominion Bank increased its stake in the Royal Bank of Canada by 1.3% in the 1st quarter. The Toronto Dominion Bank now owns 13,450,589 shares of the financial services provider valued at $1,485,878,000 after acquiring 174,908 additional shares in the last quarter. 41.50% of the shares are held by institutional investors and hedge funds.

Profile of Royal Bank of Canada

(Get a rating)

Royal Bank of Canada is a globally diversified financial services company. The Company’s Personal and Commercial Banking segment offers checking and savings accounts, home equity financing, personal loans, private banking, indirect loans, including auto financing, mutual funds and self-directed brokerage accounts, guaranteed investment certificates, credit cards, payment products and solutions; and lending, leasing, deposit, investment, foreign exchange, cash management, auto dealer financing, commercial products and services to small and medium commercial enterprises.

Read more

This instant alert was powered by MarketBeat’s narrative science technology and financial data to provide readers with the fastest and most accurate reports. This story was reviewed by MarketBeat’s editorial team prior to publication. Please send questions or comments about this story to [email protected]

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Stepping Stones Celebrates 20 Years in Business with Author Events | News, Sports, Jobs


TR PHOTO BY ANDREW UBBEN – Author Laura Sohl-Cryer visits the Stepping Stones Christian Bookstore in Marshalltown for a book signing for her first book, ‘Remembering the Home Place: Sonnets and Stories From Our Family Farm.’

As Stepping Stones Christian Bookstore celebrated its 20th anniversary last week at Grinnell and Marshalltown stores, author Laura Sohl-Cryer held a book signing at the Marshalltown location on Friday to promote her debut, Remembering the Home Place. : Sonnets and Stories From Our Family Growing.

Sohl-Cryer grew up in northwest Iowa on her family’s Century Farm established by her great-grandfather between Boyden and Hull. For the past 24 years, she has lived in Cedar Falls, teaching at Hawkeye Community College and a few online classes for DMACC. Sohl-Cryer has written intermittently since graduate school and is also a noted member of the Iowa Poetry Association, from which she has won several recognition awards.

The new book stems from a place of sadness when Sohl-Cryer’s mother passed away last October, leaving her to make the difficult decision to take the semester away from teaching and return to the family farm to deal with inheritance issues. and his grieving process. In the midst of dealing with the estate paperwork, she had free time to grieve, but given that she’s a farmer at heart, Sohl-Cryer didn’t want to just sit on her hands.

According to Sohl-Cryer, God began waking her up every morning around 4:45 a.m., when chores usually began on the farm, reminding her of his presence as a child. Remembering her childhood there, she wanted to be on the farm during this difficult time to ride the waves of grief and make something productive and positive out of it.

“Writing this, Remembering the Place of Origin, helped me know that it has been there throughout my life,” Sohl-Cryer said. “He came out of a heartbreak and gave me a lot of hope.”

Grief isn’t the book’s only theme, as there are humorous tales of growing up on a farm and multiple tales of levity. The book also serves as a catalyst for people to share their own stories, and Sohl-Cryer encourages them to do so because, as she says, many of these stories of small family farms are a generation or two away from being forgotten. a long time unless they are shared.

To celebrate 20 years in business at Grinnell and 12 years at Marshalltown, Stepping Stones has held a week-long sale offering customers 20% off a regular price, a prime in-stock item at Marshalltown as well as sale prices. Daily attendance and refreshments at both stores. .

“It’s just our way of saying thank you to all of our loyal customers over the years. Special thanks to all of our past and current team members and all of the volunteers over the years,” said Bookstores owner Mindy Uitermarkt. “We just want to say thank you to everyone.”

In addition to Sohl-Cryer, the bookstore also held book signings featuring Rosa Clark and Jocelyn Green throughout the week. Stepping Stones Christian Bookstore encourages everyone to check out the sidewalk sales this coming weekend for Ridiculous Day on Saturday, July 23 at Grinnell. For more information about Stepping Stones Christian Bookstores, follow them on Facebook at Stepping Stone Christain Bookstores or call store owner Mindy Uitermarkt at 641-990-1381.


Contact Andrew Ubben at 641-753-6611 or [email protected]

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Print sales fell 8.8% in early July


Print book unit sales fell 8.8% in the week ended July 9, 2022, compared to the comparable week of 2021, at outlets that report to NPD BookScan. Adult fiction remained a beacon of hope, with sales up 4.9% as Colleen Hoover placed five titles in the top 10 on the fiction list, led by It ends with us which sold over 60,000 copies. Where the Crawdads sing by Delia Owens was No. 1 in the category, selling over 80,000 copies, as the film based on the novel hits theaters. The best novelty was Lore Olympe, vol. 2 by Rachel Smythe, which sold over 38,000 copies, placing it in fifth place in the category chart. Adult nonfiction sales fell 13.8% during the week. The best-selling novelty in the category was The Unknown Wild Alchemy Deck and Guide by Kim Krans, which was No. 26 on the category list, selling around 3,500 copies. The title n°1 remained that of James Clear Atomic Habits, which sold over 16,000 copies. Last year around this time, how i saved the world by Jesse Watters was the best-selling title with nearly 34,000 copies, followed by Trejo by Danny Trejo, sold more than 13,000 copies. The young adult non-fiction book category saw a 4.3% increase over the week, although this seems more related to the poor characterization of adult coloring books in the YA category. Stranger Things: The Official Coloring Book capitalized on the success of the Netflix series to sell nearly 9,000 copies in its second week.

A version of this article originally appeared in the 07/18/2022 issue of Weekly editors under the title: The Weekly Scorecard

Vintage Bookstore Bringing Reading and Drinking Together in East Central Austin


A new independent bookstore and wine bar bring together reading and drinking in East Central Austin. Vintage Bookstore and Wine Bar will open at 1101 East 11th Street in September.

Owner Jean Elizabeth Buckner wanted to open her own book and wine business because she loves two things. “I look forward to being behind the bar and talking to our customers about what’s new this season and my book and wine pairing recommendations,” she says. “I hope to build a place of inclusion and connection, a place that brings people together.” She refers to Vintage as “Austin’s living room”.

While bookstores have been doing very well commercially in recent years, Buckner wanted to complete its offer and landed on wine. “Books and wine have gone together since the dance of time,” she says, noting that she reads everywhere, including in bars. “I realized I’d like to have a relaxing environment to read with a glass of wine in hand that wasn’t in my house. What if I could hang out drinking wine? Even better.”

Buckner was employed at a tech company after moving from Florida to Austin when she finally decided to pursue her bookstore career. She worked out her plan with her husband, then quit her job last fall to start working at the Dripping Springs Bell Springs winery and simultaneously taking online bookstore classes.

The book selection will focus on new books spanning all kinds of genres. Buckner is personally a fan of fiction, and particularly fond of fantasy and contemporary novels. The boutique will also host a free book exchange stand on the patio.

One of Buckner’s favorite things is reading in the Hill Country vineyards. “The more I learned about the winemakers in our own backyard, the more I realized there was an opportunity to show our community the quality and tenacity of local Texas winemakers,” she says. Vintage’s wine list will include many Hill Country wineries, as well as domestic and international offerings. She plans to partner with a local winery each month for specials at a later time. His personal favorites include Bell Springs, Driftwood Estate Winery and Signor Vineyards.

Thus, there will be different wines by the glass, as well as a sparkling wine on tap and a changing wine spray. Aside from wine, there will be cans of beer, coffee, cold brews and Austin-area teas. For food, the shop will offer grazing boxes from local company Cultured ATX, with cheese, fruit, charcuterie and condiments. On deck, you’ll also find sweet and savory kolaches and other baked goods.

The Vintage bar.
Vintage Bookstore and Wine Bar

The bar service area will include shelving (naturally), as well as lounge seating with tufted armchairs and velvet sofas. There will be two patios and a small stage, so she can host events like author readings, talks, concerts and trivia. Furniture comes from thrift stores, markets and estate sales.

The physical bookstore/wine bar is in the historic Haehnel Building, which had been a grocery store in the 1800s, Shorty’s Bar from the 1960s through the 1980s, and a wine store at one time. Buckner does not plan to use the entire building for Vintage. She is looking for office tenants for three of the currently unused spaces.

The name is a misnomer since the shop does not sell second-hand books; rather, it refers to vintages of wine grapes. But for Buckner, there’s a bigger meaning behind the name. “Items described as ‘vintage’ are seen as unique and personal with the understanding that they have seen a lot of life,” she says. “We believe our store is exactly that. We offer a welcoming space rooted in the community that is as unique as our wonderful neighbors. And our décor and aesthetics reflect that as well.

Prior to opening the full business, Buckner sold books at local farmers markets. There is also an online store through the independent bookshop-focused e-commerce site Bookshop.org.

Stephen Sprouse exhibition at Newfields showcases iconic fashion moments


Stephen Sprouse was famous for sending neon colors and graffiti to clothes that became a groundbreaking marriage of punk and high-end. When pedigree designer Hoosier affixed his heavy lettering to Louis Vuitton’s iconic monogram in 2001, waiting lists swelled before the fashion line even came out.

Her single-strap “Choose or Lose” dress – covered in buttons but without a bodice – was part of a 1996 MTV voter education campaign with model Kate Moss and musician Iggy Pop. And Sprouse’s single strap wore the 1979 TV scanline print dress that singer Debbie Harry wore in Blondie’s “Heart of Glass” music video.

The looks have emerged through Sprouse’s decades in the spotlight. Critics have characterized his career as a series of backslidings and valleys – a designer whose ideas were great but who never really fit into the niche of the retail market that the bigger names do. In the years since Sprouse’s death in 2004, his work has crystallized into a stable legacy that is the subject of a new Newfields exhibition.

AfterMonet and his living friends! opens at the Lume in Newfields. Here’s what you need to know.

“Stephen Sprouse: Rock | Art | Fashion” opens Saturday at the Indianapolis Museum of Art, a venue that has been meaningful to the designer. Sprouse visited the museum when he was growing up in Columbus, Indiana, and in 2019 his family donated a collection of more than 10,000 pieces of clothing, accessories, textile samples, sketches, audiovisuals, and Polaroids. . Many items are a major source for the show’s exhibit, which includes more than 60 garments as well as shoes, videos from its runway shows and more.

“We have this very specific image of the 80s in our mind, which is more of a working girl, a company, big suits, women entering the workforce. And he focused a lot on the youth of the industry. era and the underground culture of the time, which is kind of not our universal understanding of the 80s,” said curatorial assistant Lauren Pollien.

Many of the roots of his creations were born while living in a loft in New York, when he explored the underground music scene at CBGB and Max’s Kansas City. With neighbors like Harry, whom he began to dress, Sprouse was already well on his way to becoming the designer who captured America’s transition in the 1980s and beyond.

‘I use music and art to give my business the see

In May 1984, Sprouse’s show at the Ritz nightclub captured that energy. The club’s atmosphere contained concert speakers, a video screen, and strobe and black lights, according to “The Stephen Sprouse Book”.

Three years later, in 1987, he told the IndyStar fashion editor how his new collection captured America’s exhausted teenagers.

“Between AIDS and the economy, it’s a pretty weird time, and people need to keep a cool head and pray for good things,” he said of his mantle with ‘God Save America’. written on it.

In person, Sprouse spoke softer than his designs. Both IndyStar and Indianapolis News have reported remarks about his shyness over the years, while noting that he was polite and answered all questions.

In a preface to ‘The Stephen Sprouse Book,’ his friend Tama Janowitz described him as cool, saying he loved children and animals and drew pictures on his friends’ shoes, which, even though it was unexpected, ended up making them better.

Sprouse formed strong friendships with many of those he worked with – evidenced by a biker-style leather jacket in the museum exhibit tagged by his friends. One is by artist Keith Haring, whose collaborations with Sprouse included a shirt design based on an 1872 Antonio Ciseri painting that shows Pontius Pilate and Jesus after being scourged.

Pop artist Andy Warhol granted Sprouse the rare opportunity to use his prints on his clothing and was later buried in one of his suits. In the exhibit, Warhol’s camouflage pattern is depicted in a dress rendered multidimensional through cut-out fabric shapes stiffened with acrylic paint. Other rooms show paintings created by the collaboration between Warhol and art pioneer Jean-Michel Basquiat.

“Music and art really influence my fashion,” Sprouse told IndyStar in a January 1998 interview. “While I use everything I learned from Halston, sewing and all, I use music and art to give my business the see.”

Hoosier designers framed Sprouse

Halston taught Sprouse fine tailoring, and under her tutelage the young designer helped outfit Anjelica Huston and Barbra Streisand.

Sprouse, who was born in 1953 in Ohio, moved with his family to Indiana as a child. There he designed such stunning fashion collections that his father took them to the Art Institute of Chicago. From this connection, Sprouse met Norman Norell of Noblesville and Bill Blass of Fort Wayne.

The influence of Sprouse’s high-end training is evident up close in his clothing. The scan-lines dress made famous by Harry, for example, is constructed from two layers with the stripes exactly aligned, the museum briefing notes. Another olive and orange ensemble consisting of a hooded cape, sweater and skirt is so fitted that Pollien had a hard time putting it flat.

“It only rests on a body,” Pollien said.

In order to preserve these carefully cut garments, the museum actually modified the mannequins to fit them.

“We take measurements of the garment, then we cut out the fiberglass mannequins, then we reconstruct them,” said Amanda Holden, Senior Textiles Conservator.

Video throughout the exhibit shows Sprouse’s runway shows, which Niloo Paydar, curator of textile arts and fashion, says are important for gaining a deeper understanding of clothing.

“Models are jostling. It’s not like those stoic, European catwalks,” Paydar said. “He wanted to create a livelier club environment for his shows.”

Mind-blowing and expensive materials

Newspaper articles that cover Sprouse’s career note that he struggled to understand in the retail market. Part of that stems from his love of innovative high-end materials in wild colors that were difficult for mass retailers to acquire, Pollien said.

“He wouldn’t compromise on the colors he chose,” interpretive planner Maggie Ordon said. “He’s worked with a few very high-end department stores, though, on a few collections, but overall he didn’t compromise to sell to a wider market.”

But Sprouse’s perfectionism bestows a gift on those who view his work. Her coat and matching pants from Fall/Winter 1999-2000, for example, appear to be a solid gray in the front. But step back enough that light from the nearby screen hits them, and the whole thing goes from blue to teal to purple in seconds. That’s because tiny glass beads embedded in the high-visibility fabric reflect light, Holden said.

Elsewhere in the exhibit, a stringy pale pink dress glows in the dark. Next to him, a bright pink Day-Glo jacket fluoresces under black lights, becoming much brighter, Holden said. Sprouse’s love of technology also continued to evolve with developments. In his Fall/Winter 1999-2000 show, he used NASA photos of Mars from the Pathfinder mission in his fabrics.

The unique letters he drew are incorporated into many of his designs – forwards and backwards. The words have meaning, sure, but seem to say more in their artistry, with dull strokes and refined edges that communicate his bold visions.

IndyStar’s fashion editor wrote on December 6, 1987 that Sprouse’s art was the most telling. She noted that he apologized for being difficult to reach, saying he rarely gives interviews. His reason?

“I don’t think I have much to say,” he told her.

If you are going to

What: « Stephen Sprouse: Rock | Art | Fashion “

When: From Saturday to April 2, 2023

Where: Indianapolis Museum of Art at Newfields, 4000 Michigan Road.

Tickets and more information: Included with admission. Free for members. Advance tickets required. Visit Discovernewfields.org.

Looking for things to do? Our newsletter features the best concerts, artwork, shows and more – and the stories behind them

Contact IndyStar reporter Domenica Bongiovanni at 317-444-7339 or [email protected] Follow her on Facebook, instagram or Twitter: @domenicareports.

Baltimore Ravens quarterback Lamar Jackson receives support from Hollywood Brown after trade with Bernard Pollard Jr.


Baltimore Ravens quarterback Lamar Jackson has redefined what it means to be a double threat at his position since taking on the starting role.

The Louisville product, who was the 32nd overall pick in the 2018 NFL Draft, didn’t take long to etch his name in the record books as the 2019 NFL unanimous MVP.

That same year, he became the first QB in NFL history with over 3,000 passing yards and over 1,000 rushing yards in the same season, setting the record for quarterback rushing in one. season (1,206 yards) along the way. He is also the only player in NFL history with over 1,000 rushing yards and over 30 touchdowns in a single season. Jackson eclipsed Dan Marino’s mark for most wins by a quarterback before he turned 25 and is 37-12 as a starter.

He started the 2021 season as the only quarterback in at least the past 20 seasons to be ranked in the top 10 in passing and rushing through his team’s first five games, but eventually ended the season. on the sidelines with an injury.

Despite his impressive resume, Jackson found himself outside of the top 10 quarterbacks for 2022, ranked by NFL executives, coaches, scouts and players.

After the list was released, ESPN’s Ryan Clark was among those who questioned Jackson’s placement outside the top 10. Former Ravens guard Bernard Pollard Jr. saw it differently.

Once Jackson caught wind of Pollard Jr.’s comments, the two went back and forth on Twitter. Their trade included Pollard Jr. suggesting wide receivers aren’t interested in playing with Jackson, and the Ravens’ current caller questioning Pollard Jr.’s impact in Super Bowl XLVII.

The next day, new Arizona Cardinals wide receiver Marquise Brown defended her former quarterback.

In the end, Pollard Jr. and Jackson ended things on a somewhat friendly note.

Claira aims to accelerate the financial markets revolution

Claira, the documentary intelligence fintech, has raised funds from Citi to accelerate the digitization of manual areas in financial markets and provide a roadmap for smart contracts and the tokenization of assets on blockchains.

The fintech has received a strategic investment from Citi Spread Products Investment Technologies (SPRINT), the strategic investment arm of the bank’s global spread products division.

Vitaliy Kozak, global co-head of CLO, ABS and CDO secondary trading at Citi, said in a statement: “CLO (Collateralized Loan Obligation) professionals can spend more than 20 minutes analyzing a single structured credit document. Using Claira’s technology, the document analysis process is dramatically reduced, reducing the time it takes to extract relevant sections, perform initial analysis, and interpret results to provide actionable pricing insights to minutes.

Claira was launched in 2019 as a spin-off from the technology and venture capital arm of Exos Financial, a 100% cloud-native, data-driven institutional finance platform that was built to provide the full range of investment banking services in a modular and interconnected environment. way.

Joe Squeri, Exos Financial and Claira

Joe Squeri, co-founder and chief technology officer/COO at Exos and technical advisor at Claira, told Markets. Media: “I’ve been a CTO in the financial industry for several decades and I’ve really suffered from the pain point of trying to get information from documents.”

His previous roles include global CIO/CTO at Citadel, Goldman Sachs and Barclays Bank. Exos Financial is completely digital. So Squeri tried a dozen platforms that use natural language processing to try to digitize the company’s legal documentation.

“They were like Swiss Army knives,” Squeri added. “They were pretty good at a lot of things but not really good at one thing and I thought there had to be a better way to do it.”

He contacted Eric Chang and Alex Schumacher, co-founders of Claira, and fintech was born.

“Clairea allowed Exos to get into the industry because we don’t have to train the model for all of our documents,” Squeir said. “We reduce over 90% of our time and costs by not relying on external advice, which is a competitive advantage.”

Squeri pointed out that as institutional finance evolves, it is essential to digitize transactions such as exchanges or mergers and acquisitions.

“Documents are an essential lifeblood of institutional finance,” he added. “Having Claira provide document intelligence will enable institutional finance to truly revolutionize.”

In the future, when financial assets are placed on blockchains, they will need to be atomized so that terms and conditions can be lumped together and included in smart contracts.

“Clara could really be that acceleration by atomizing transactions into their components so that they can be chained,” Squeri said. “We can dare to dream.”

Proprietary technology

Chang told Markets Media that Claira has three key differentiators: its proprietary technology, user experience and transparency.

Most existing documentation platforms require users to label and tag data that is neither scalable nor durable. In contrast, Claira takes a computational linguistics approach that converts each sentence into a logic map and then maps all the relationships into a legal document.

Meet our team |  Claira Technology

Eric Chang, Claira

“We take advantage of the linguistic features of each of the document’s layouts and have built analyzes on top of that,” Chang added.

Users can fully configure and customize the data output which Chang says is essential for Claira to fit into existing investment processes or pricing and risk models. They also benefit from full transparency, as all data can be traced back to the exact layout of the original document.

Transforming markets

Citi will work with Claira to support its activity, starting with municipal prospectuses and CLOs.

Patrick Brett, head of municipal debt capital markets and capital solutions at Citi, said in a statement, “Claira’s AI-powered credit document analysis is well suited to the municipal bond market of $4 trillion comprising over 50,000 issuers and over one million unique securities. . Their use of specialized AI and pre-trained models far surpasses legacy natural language processing solutions, making Claira a game changer that is poised to transform our market. »

Claira provides data in a standardized format that can be analyzed for pricing, negotiation, risk, and operational processes to help negotiate complex deals faster, reduce business risk, and identify opportunities for market.

Chang pointed out that Claira can analyze years of transaction documentation and decipher market norms. He said: “The next evolution is to create benchmarks and use them, for example, as signals for pricing.”

Squeri added that markets have become more sophisticated, so traders need to know the terms, conditions and covenants of the underlying loans in CLOs.

“You can no longer rely on manual methods to extract this data because it doesn’t evolve,” Squeri said. “Exos Financial believes that as markets evolve, you must rely on data science and document intelligence for trading.”

Chang continued that the funding will be used to expand outside of the original CLO use case into other areas of financial markets that still have heavy manual processes, including private markets.

“We have other clients around commercial real estate, corporate lending and insurance,” Chang said. “We a number of buyer clients who want to record all the details and obligations they have as a counterparty as they manage the risk and price of their portfolios. »

As Claira grows, Chang expects the company to form strategic partnerships with other major financial institutions within 12 months.

Squeri said, “From Exos Financial’s perspective, we see Claira making the institutional financial services industry much more efficient. Markets trade faster, with greater precision in pricing and risk management. »

The impact of third places for solo seniors


Community centers, cafes, bookstores – these are just some of the places lonely seniors can connect with others and improve their support systems.

The role that a strong and age-diverse support system plays for a single senior (an adult aged 55 or older, single or in a relationship, who does not have the support of adult children or close family members) is essential.

Third places are places where we exchange ideas, where we have a good time and where we build relationships. They are comfortable spaces accessible to all | Credit: Getty

Connecting with others is extremely important as one navigates one’s own health, the complexities of the health care system as a whole, and residential, financial, and legal decisions. For single seniors, identifying personal contacts and qualified professionals to fill these key roles that are “traditionally” filled by adult children/parents requires careful and intentional planning.

It is equally important to be intentional about their social support and relationships. Where you live and access to community services and supports are important considerations. It’s not always on people’s checklists when researching the topic of community and housing as you age, but it should be.

Connecting with others helps improve our self-esteem, feel loved, reduce stress, and increase our resilience.

Being part of and being connected to a community has a major impact on our health and personal satisfaction. Connecting with others helps improve our self-esteem, feel loved, reduce stress, and increase our resilience.

While Oldenburg’s research has focused on physical places, it has become clear throughout our navigation of the pandemic that “virtual” places can play a role in our connection to others and to the community at large. .

As you get older, meeting new people becomes more difficult. After retirement, there is no longer the ease of forming new relationships through a work environment, and for single seniors, there are no additional connections available through children’s or grandchildren’s friends. . Yet social support is essential to all aspects of our lives.

In my work with solo seniors, I’m often asked, “How can I make new connections?” and “Where can I meet new people?”

While it can be difficult to meet new people as we age, we often overlook the impact of our connection to “third places,” which can provide new opportunities to expand and improve our support systems. .

What are third places?

“Third places” is a term coined by the urban sociologist Ray Oldenburg and refers to where people spend time between home (the “first” place) and work (the “second” place). They are places where we exchange ideas, have fun and build relationships. They are comfortable spaces that are accessible to everyone.

Third places are part of our daily lives and our community and we connect with them in various ways. Some are free or low-cost – parks, libraries, community and senior centers, faith-based communities, adult and other education classes, and voluntary organizations. Others are commercial establishments like restaurants, cafes and bookstores. They can also be places offering personal services such as hair salons, hair salons and gyms.

These connections and opportunities are not only a useful adaptation in the wake of the pandemic, but provide greater access and connection to those who cannot travel for mobility or other reasons. The ability to attend a lecture, meeting, book club, class, or social gathering via video chat strengthens our connection with others.

How to make new connections

Being socially connected to others provides a greater sense of purpose. It also reduces cardiovascular risks, including lowering blood pressure, motivates you to adopt a healthy lifestyle, and encourages adherence to medications and treatment.

To explore where there might be opportunities to build new relationships, consider:

  • Do I have a daily routine? Where am I going and who am I meeting? Who do I see/talk to every day?
  • Do I have a weekly routine? Who do I see/talk to once a week?
  • Do I have a monthly routine? Who do I see/talk to monthly?
  • Am I a member of one or more “in person” groups?
    • Book club, maps, Mah Jongg, news, meditation, knitting, photography, walking, lessons, bird watching
  • Am I a member of an online community or a group/groups?
    • Book club, news, courses, faith community, professional

Stop by a local bookstore and review the lectures and programs they offer. Meet a friend for coffee in a new place.

Once you’ve thought about what might be available to you, explore your interests. (Assuming it’s healthy to do so.) Stop by a local bookstore and review the lectures and programs they offer. Meet a friend for coffee in a new place.

Make a list of things you’d like to try and find ways to make it happen. Enroll in a course at a local university or college or in your community adult education program. Take an art or writing class. Volunteer and meet other like-minded people. Join a book or photography club.

In my experience as a board-certified independent patient advocate and solo aging advocate and educator, worry about a limited support system often weighs on the minds of solo seniors.

Approaching the spaces and “third places” you connect with daily, weekly and monthly in a different way and with a new perspective can provide new opportunities and improve your social network.

Ailene Gerhardt

Delta author publishes new book


“It was great to be alive. I was 19 and I was on the radio in a small town…” Following your dream gives you the freedom to try something else in your life.

Aspiring to be a radio DJ at age 12; At 19, Delta’s Larry Amstutz achieved his dream to leave broadcasting relatively soon after.

The heartbreaking decision to quit his dream career sets him on a 40-year path to “finding his rhythm” and contentment.

find my groove published by Friesen Press, takes you on a journey across Canada and through time. People yearn to achieve their dreams and yet don’t give themselves permission to do so. Through a conversational style, the author demonstrates that it’s okay to pursue that dream, even if in doing so it becomes apparent at some point that there is something else that is truly your goal. Permission to try and fail, to live and learn, to love, to be heartbroken and to love again is shared through personal stories.

“When I was 12 and dreamed of being a radio host, I had this mental image of myself wearing a white shirt and tie, sitting in front of a microphone, wearing headphones in a radio studio in a high-rise skyscraper…” decades later, I “…found myself working in my office in a skyscraper in Vancouver…white shirt and tie included…” (although now working in the financial sector) “…as I swiveled in my chair and looked over the city lights, it hit me that I was experiencing the scene I had imagined when I was young,” he said. he said. “It was a profound moment for me and I was moved; brought back to my younger self in the logging camp so far away.

Amstutz grew up in a lumber camp on Vancouver Island and in small island towns; worked in forestry, mining and other resource sector jobs; and studied and worked in broadcasting, his childhood dream career.

He left those dreams behind to move to Toronto and move up the ranks in department store merchandising, human resources and training; entered the financial sector in British Columbia; and found its’ vibe in the nonprofit sector. Now married and retired, he lives in Delta with his wife Trisha, their terrier Gus, and a collection of acoustic guitars and his treasured ’60s Fender Telecaster.

find my groove is available to order from most major online book retailers, including the Friesen Press bookstore and Amazon. The eBook is available for Kindle, iBooks, Kobo, Nook and GooglePlay.

The Blue Collar Bookseller Review: Falling Stars | Comments


The night sky is truly a wonder to behold, and for a young boy just beginning a life of discovery, my dad’s old binoculars were all I needed.

When you read about the latest discovery with the Hubble Space Telescope you might think that the only things worth looking into are with the biggest, best and most expensive equipment, but that’s just not not true.

If you’re starting to get interested in astronomy, you might want to consider Binocular Stargazing by Mike D. Reynolds.

Why start with binoculars?

1. A pair of binoculars of reasonable quality can be bought for less than $100; a reasonable quality telescope can cost twice as much or even more.

2. Binoculars are easier to learn to use than a telescope.

3. Objects are easier to find with a standard pair of binoculars than with a telescope. Standard binoculars allow a novice to begin learning the night sky and navigating from object to object.

4. If you decide astronomy isn’t for you, you can always use the binoculars for other things.

5. Two eyes are simply better than one.

Many amateur astronomers keep a pair of binoculars when observing. Binoculars can be useful for examining a section of the sky first before an object is located. And when that occasional fireball appears, a pair of binoculars is useful for examining the smoke trail, or train, often left behind – and if you’re quick enough, the meteor itself.

Most of us have looked up into the night sky and seen what is commonly referred to as a shooting or shooting star. These momentary contrails occur when meteors, objects ranging in size from dust particles to fist-sized masses, enter Earth’s atmosphere and are heated to incandescence. Few of these objects survive their encounter with our atmosphere.

What we see on Earth is a trail of light that lasts about half a second on average. Generally, the larger the material that enters the atmosphere, the brighter the meteor.

Brighter meteors will occasionally leave a trail of smoke in their path for a few seconds; the trails produced by very bright meteors, called fireballs, can last a few minutes. Fireballs that appear to break or produce sound are called fireballs.

One of the most prolific meteor showers (known as the Perseids) occurs in August. The Perseids are so called because the point from which they appear to originate is in the constellation of Perseus.

Meteor showers occur when Earth moves through a meteor stream. The stream in this case is called the Perseid cloud and it extends along the orbit of comet Swift-Tuttle. The shower is visible from mid-July each year, with the greatest activity between August 8 and 14.

During the peak, the meteor rate reaches 60 or more per hour. To experience the shower in its fullness, one must observe in the darkness of a clear, moonless night, from a point far from major cities, where the stars are not obscured by light pollution, such as the Cherry Springs State Park*.

If you’re looking for a good introduction to the wonderful world of meteors and meteor collecting, check out Falling Stars: A Guide to Meteors & Meteorites by Mike D. Reynolds. There are a number of good books on this subject, but this one is a quick and handy reference guide for first-timers and those who want to learn more about the origins of these interesting pieces of space rock.

It gives a brief overview of meteors and comets, descriptions of major meteor showers, major impact craters and famous meteor showers, and a breakdown of the different types of meteorites.

Backyard astronomy can be easy and fun. I’m going to make myself a big bowl of popcorn, drag my Barca deckchair around the garden and watch a FREE midnight show.

*Cherry Springs is not a delicious soft drink, but a Gold Star Certified Dark Sky Park and a great place to observe the night sky. My book, The Totally Ninja Raccoons Meet the Little Green Men, is set there.

Kevin Coolidge is currently a full-time factory worker and part-time bookseller at From My Shelf Books & Gifts in Wellsboro, PA. When he is not working, he writes. He is also a children’s author and creator of The Totally Ninja Raccoons, a children’s series aimed at reluctant readers. Visit his author site at kevincoolidge.org

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Rambutan—Recipes from Sri Lanka – The Hindu BusinessLine


The moment could not have been more poignant. There I was, spending the last few days engrossed in this wonderful memoir-cookbook called Rambutan by Cynthia Shanmugalingam, avidly taking each superbly captured photograph that took me back to one of my favorite places on planet earth, namely Sri Lanka. some of the recipes he suggested, from time to time.

And yet, it was also a time when news of the island nation’s prevailing and still tumultuous socio-economic and political landscape nearly assaulted my collective senses from nearly every direction. I was fascinated by what was happening in the island nation and in awe of the indomitable spirit of the resilient Sri Lankan people who have been through so much already. Whether it’s civil war, despicable terrorist attacks or economic conflicts.

Even today, as I sit at my desk and finally get down to writing this review, words and images alluding to the “ordinary man” of Sri Lanka boldly storming the presidential residence from Colombo dominate my newsfeed. All of this, in a symbolic claim of what they believe to be theirs in a democratic society which they hope Sri Lanka still represents…

But, for me, there has always been this very important, pervasive and singular feeling that I gleaned from both the book and the people in arms. And that’s the passion. Unbridled and sincere!

Passionate project

As the child of Sri Lankan parents, born and raised in Coventry, UK, the self-described ‘British-Sri Lankan immigrant child turned cook’ author channels that passion into her writing. Without once shirking the “often painful history of war, colonial oppression, slavery, poverty and proselytism” of her country of origin, as she succinctly puts it.

She also rightly describes Sri Lankan cuisine as one of the most misunderstood cuisines in the world. One that is often overshadowed and dimmed by the much-loved food multiverse of its northern neighbor, India. In reality, Sri Lankan cuisine is more than just the sum of its countless influences. Whether it was geographic Indian trade, trade required Arab, Malay, Javanese, and Chinese traders, or British, Portuguese, and Dutch settlers.

To that end, we offer recipes for everything from a superb (and very complex!) Dutch Burgher lamprais (pg.148) to a Chinese spring roll like a mutton roll (pg.266). The island’s strong and ancient Muslim ties are highlighted with snack recipes like pastels (pg.272), the prawns garnished issovadai (pg.264), and dishes like buriani (pg.214) made with the only Sri Lankan fine samba rice. And perhaps the most famous of all Sri Lankan street foods. the kothu roti (pg.228) resembling a stir-fry that gets its much-deserved moment of glory.

Sign ‘o times!

What I found most interesting about this book is that as much as it is deeply rooted in the ancient culinary heritage of Sri Lanka with its wide range of traditional dishes like Jaffna crab curry (pg .108) and the simple, yet divine parippu dal (p.36), he also has his pulse firmly on the current food scenario. Especially the burgeoning vegan food scene.

Perhaps that’s why more than half of the recipes in the book are vegan. And with nearly 80 recipes found in the book, the very obvious math says it all. This means there are plenty of vegan curries made with coconut milk like the delicious (I’ve tried it with great success!) breadfruit curry (pg.48), tangy green mango curry (pg.50) and dry beetroot. will go (page 54).

The sacred coconut is found in its grated form in a knuckle of samboles. Not quite a salad, not quite a chutney, samboles are those quintessentially Lankan condiments that can elevate even the simplest dishes or meals to culinary seventh heaven. I especially liked the recipe and the story behind the king of all Sri Lankans sambolesthe pol sambol (pg.156) and even learn about previously unknown sambols like Black Sesame (pg.184) and Dill (pg.270) sambols.

This is also where the author’s predilection for fusion kicks in with her (borrowed) recipe for seemingly bonkers daikon, mint, carrot and kohlrabi salad that meets sambol she dubs “slambol ” (pg.164). Speaking of fusion, she makes sure to include her mother’s couscous puttu (pg.82) which was invented when the strictlythe original iteration of rice was not enough to fill “many hungry mouths” as she honestly writes of her middle-class upbringing in the UK.

But then, it’s like the genesis of today’s Sri Lankan cuisine. One that is a glorious pastiche of a myriad of influences and born out of necessity. An adaptable, malleable kitchen that does not hesitate to borrow. While firmly keeping its roots where it truly belongs.

(Wear many hats in the food and travel space, Mumbai-based Raul Dias is a food travel writer, restaurant reviewer and food consultant)

Discover the book on Amazon

About the book

Rambutan: Recipes from Sri Lanka

Cynthia Shanmugalingam


336 pages; Rs 880 (kindle edition)


Published on

July 13, 2022

Arafura assesses purchase and equity deal with GE

PERTH (miningweekly.com) – The renewable energy arm of major US energy company General Electric (GE), GE Renewable Energy has signed a non-binding memorandum of understanding with ASX-listed Arafura Resources over a potential levy of neodymium praseodymium (NdPr) agreement.

The parties will negotiate a long-term sale agreement for GE to purchase NdPr from Arafura’s Nolans project in the Northern Territory, subject to Arafura obtaining project financing for Nolans and completing construction and development of the project.

The MoU also outlines a potential strategic capital investment by GE in Arafura which will be reviewed and negotiated in due course.

“Signing this MoU to collaborate with a Tier 1 OEM is a tremendous outcome. Long-term Nolans NdPr can be used in magnets critical to power generation in GE’s Haliade-X 12 MW , one of the most powerful offshore wind turbines on the market. It is very gratifying that a new supply chain model, together with value chain transparency, ensures that we know exactly where our NdPr will be used, what whether in a particular electric vehicle model or a series of wind turbines,” said Arafura MD and CEO Gavin Locker.

“Nolans NdPr’s contribution to enabling clean energy technologies to decarbonize the world is becoming increasingly evident.”

Vice President and Chief Technology Officer of GE Renewable Energy Danielle Merfeld said the memorandum of understanding is another example of GE’s efforts to develop strategic collaborations that can help the company accelerate the energy transition.

“Working with Arafura gives us an exciting new option to secure reliable, sustainable and competitive sources of key materials in the future that will help us reduce the cost of renewable energy.”

The AU$90.8 million Nolans project will leverage Australian mineral processing expertise to develop rare earth separation technology currently not available here, creating 650 jobs at the peak of construction and new high-value export opportunities.

An updated feasibility study estimated that over a mine life of 38 years, the project would produce 4,440 t/y of NdPr oxide and 474 t/y of heavy rare earth oxide, as well as 144,393 t/a of phosphoric acid.

The MOU, which was unveiled at the Sydney Energy Forum, has been well received by the governments of the United States and Australia.

Australian Minister for Trade and Tourism Don Farrell said the agreement showed Australia’s real potential to foster strong trading partnerships in critical minerals with our major trading partners.

“It is also an indication of this government’s commitment to the development of Australia’s critical minerals sector,” said Minister Farrell.

Minister for Resources and Northern Australia Magdalene King said the MoU was an example of how U.S. and Australian companies are partnering and investing to secure supply chains and accelerate the global transition to net-zero emissions.

“Australia is committed to playing a constructive role in international efforts to reduce emissions, while preparing Australia to become a clean energy superpower,” King said.

Arafura reiterated on Wednesday that the memorandum of understanding was non-binding and that the two companies had not entered into any commercial terms regarding the sale and purchase of NdPr or any potential strategic investment. The company said there was no certainty as to when and whether binding agreements would be reached.

The best Amazon Prime Day book deals


Did you know that Amazon started out as an online bookstore? It’s clearly proven to be a success, and the slew of products available for purchase on the platform has grown to cover everything from tech to groceries, but that doesn’t mean the company has forgotten. its roots, as these amazing Prime Day book deals show. .

There are big savings on iconic novels and New York Times bestsellers, so no matter what genre you’re reading, you can save a few pennies. It’s also worth checking out what other deals you can find during the Amazon Prime Day sale if you’re looking for bargains, as there are plenty of deals going on over the next 48 hours.

You can check out the full selection for yourself or read some of our top picks of US and UK fiction and non-fiction titles.

Prime Day book deals at Amazon.com

Prime Day book deals at Amazon.co.uk

Don’t forget that as an Amazon Prime member you’ll also have access to a library of free ebooks that are perfect for reading on an Amazon Kindle – whether that’s the one you already own or the one you have. picked up through a Prime Day Kindle deal.

Today’s best Prime Day book deals

The best book deals in the United States

More Amazon Prime Day deals in the US

The best book deals in the UK

More Amazon Prime Day deals in the UK

Do you need Amazon Prime for Prime Day book deals?

Yes, you’ll need to be an Amazon Prime member if you want the best book prices this Prime Day. While there are usually tons of general sales open to all customers during Prime Day, Amazon always reserves its best deals exclusively for Prime members. Luckily, the retailer offers a year-round free trial, which you can use to access every Prime Day deal for free.

The weird and funny story of Jell-O


It’s National Eat Your Jell-O Day and guess what? I will boycott it. You know why? Because I think Jell-O is really bad. Where does Jell-O even come from and who decided he deserved his own National Day? I mean, what the hell is that in this fresh and fruity hell?

I remember eating Jell-O when I was a kid. When I was in 3rd grade, I had to have my tonsils removed and spent a night in the hospital to recover. I remember learning, quickly, that Jell-O was one of the few things I could eat that didn’t feel like someone was ripping a razor blade in the back of my throat. It was the only time in my life that I found solace in Jell-O.

Since it’s National Eat Your Jell-O Day, I decided to do a little research on the product. Here is what I discovered.

Jell-O was trademarked in 1897 by Pearle Wait. Honestly, I don’t know who Pearle is or what her problem was, but pull yourself together man. But, according to NationalDayCalendar.com, Pearle eventually sold the brand and recipe to Frank Woodward, who made it a household name.

Alright, let me just lay this out. I’m not a fan of gelatin in general. I don’t think food should jiggle and I don’t think the consistency of a food should be able to hold other food in suspended animation.

Here is part A:

And, since we are on the subject of gelatin. You know what it is? Let’s consult the handy Merriam-Webster dictionary. Get ready and save your cookies. You are going to want to throw them away.

Gelatin is defined as a gummy or sticky protein obtained by boiling animal tissues and used in particular as food.

Oh, and for an additional point of reference, this tissue is usually harvested from cows and pigs. So the next time you eat Jell-O and think it tastes a bit “gummy”, just suppose you’re chewing on some poor farm animal’s elbow.

Look, Jell-O was one of the most popular desserts in this country. There are more than 20 flavors. But, in recent years, sales of the product have plummeted. Business Insider put together this story, chronicling the rise and fall of Jell-O.

Now, as gnarly as I think Jell-O is, I’m going to make a concession (uh, maybe that’s a confession). Although I’m never going to eat and enjoy Jell-O for dessert, I probably wouldn’t say “No” to a shot of Jell-O.

Girl in the Red Hat/Unsplash

Girl in the Red Hat/Unsplash

I’ve been to several parties where they were the star. I might not eat Jell-O on National Eat Your Jell-O Day, but I might drink some.


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Amazon Prime Day 2022 Best Deals Available Now


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How the fall of Three Arrows, or 3AC, dragged down crypto investors


With over 19,000 virtual currencies in existence, the cryptocurrency industry has compared the current state of the market to the early years of the internet. Industry players, however, have said that most of these coins will fall apart.

Nurphoto | Getty Images

As of March, Three Arrows Capital was managing approximately $10 billion in assets, making it one of the largest crypto hedge funds in the world.

Now the company, also known as 3AC, is heading for bankruptcy court after plummeting cryptocurrency prices and a particularly risky business strategy combined to wipe out its assets and render it unable to pay back debts. lenders.

The chain of pain may have only just begun. 3AC had a long list of counterparties or companies whose money was invested in the company’s ability to at least stay afloat. With the crypto market down more than $1 trillion since April, driven by the fall in bitcoin and ethereum, investors who bet focused on companies like 3AC are suffering the consequences.

Crypto exchange Blockchain.com is reportedly facing a $270 million hit on loans to 3AC. Meanwhile, digital asset brokerage Voyager Digital filed for Chapter 11 bankruptcy after 3AC was unable to repay some $670 million it had borrowed from the company. US-based crypto lenders Genesis and BlockFi, crypto derivatives platform BitMEX and crypto exchange FTX are also suffering losses.

“Credit is destroyed and withdrawn, underwriting standards are tightened, creditworthiness is tested, so everyone is withdrawing liquidity from crypto lenders,” said Nic Carter, partner at Castle Island Ventures, which focuses on investments in the blockchain.

Three Arrows’ strategy involved borrowing money from the industry as a whole, then turning around and investing that capital in other, often fledgling, crypto projects. The company had been around for a decade, which helped give founders Zhu Su and Kyle Davies some credibility in an industry populated by newbies. Zhu also co-hosted a popular crypto podcast.

“3AC was supposed to be the adult in the room,” said Nik Bhatia, professor of finance and business economics at the University of Southern California.

Court documents reviewed by CNBC show that attorneys representing 3AC’s creditors say Zhu and Davies have yet to begin cooperating with them “in a meaningful way.” The filing also alleges the liquidation process has not begun, meaning there is no money to repay the company’s lenders.

Zhu and Davies did not immediately respond to requests for comment.

Trace the falling dominoes

Three Arrows Capital’s downfall can be attributed to the May collapse of terraUSD (UST), which had been one of the most popular USD-pegged stablecoin projects.

The stability of the UST relied on a complex set of codes, with very little cash to back the arrangement, despite the promise that it would retain its value regardless of the volatility of the broader crypto market. Investors were enticed – on an accompanying lending platform called Anchor – with a 20% annual return on their UST holdings, a rate that many analysts have deemed unsustainable.

“The correction in risky assets coupled with lower liquidity exposed projects that promised unsustainable high APRs, leading to their collapse, such as UST,” said Alkesh Shah, global crypto and digital asset strategist at Bank of America.

The panic selling associated with the fall of UST and its sister luna cost investors $60 billion.

“The collapse of terraUSD and luna is ground zero,” said Bhatia of USC, which last year published a book on digital currencies called “Layered Money.” He described the collapse as the first domino to fall in a “nightmarish long chain of leverage and fraud”.

3AC told the Wall Street Journal that it invested $200 million in Luna. Other industry reports said the fund’s exposure was around $560 million. Regardless of the loss, this investment became virtually worthless when the stablecoin project failed.

The implosion of the UST has shaken confidence in the sector and accelerated the fall of cryptocurrencies already underway as part of a broader withdrawal of risk.

3AC’s lenders asked for some of their money in a flood of margin calls, but the money wasn’t there. Many of the firm’s counterparties have, in turn, been unable to meet the demands of their investors, including retail holders who were promised 20% annual returns.

“Not only did they not cover anything, but they also evaporated billions of creditor funds,” Bhatia said.

Blockchain.com CEO Peter Smith said in a letter to shareholders seen by CoinDesk last week that his company’s exchange “remains liquid, solvent, and our customers will not be impacted.” But investors have heard that kind of sentiment before – Voyager said the same thing days before filing for bankruptcy.

Bhatia said the stunt hits any market player with high exposure to deteriorating assets and liquidity crunch. And crypto comes with so few consumer protections that retail investors have no idea what they will end up owning.

Voyager Digital customers recently received an email stating that it would take some time before they could access the crypto held in their accounts. CEO Stephen Ehrlich said on Twitter that after the company went through bankruptcy proceedings, customers with crypto in their account would potentially receive a shopping bag of sorts.

This could include a combination of the crypto they held, common stock in the revamped Voyager, Voyager tokens, and any proceeds they can get from 3AC. Voyager investors told CNBC they don’t see much reason for optimism.

WATCH: Voyager Digital files for bankruptcy amid crypto lender solvency crisis

Even though it is over 2,000 years old, the Bible is still indispensable today


I know the Day of the Lord is near and I wanted to appeal to people who have never read the Bible and who may have doubts about the reality of God

Author SL Krueger encourages readers to connect with God through His Word in Basic Bible Instructions Before You Leave Earth: Evidence to Prove the Bible Is the True Living Word of God and How Real God Is($17.49, paperback, 9781662850561; $8.99, e-book, 9781662850578).

Do you doubt the existence of God? Do you believe it exists, but doubt its involvement in your life? Krueger helps readers understand God’s desire to pursue a personal relationship with them, and also to prepare them for the next part of His plan on Earth.

“I know the Day of the Lord is near and I wanted to appeal to people who have never read the Bible and who might have doubts about the reality of God,” Krueger said.

SL Krueger is an avid Bible reader with nearly 20 years of Bible study under her belt. She earned a general education degree from Scott Community College and gained additional writing experience in college. She spends her free time with her grandchildren, playing with games and puzzles.

Xulon Press, a division of Salem Media Group, is the largest Christian self-publisher in the world, with more than 15,000 titles published to date. Basic BIBLE Instructions Before Leaving Earth is available online at xulonpress.com/bookstore, amazon.com and barnesandnoble.com.

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Linda Castillo’s new book ‘The Hidden One’ is a suspenseful tale


Kate Burkholder is out of her jurisdiction in “The Hidden One,” 14 in Linda Castillo’s series about a police chief in a small Holmes County town with a large Amish population. She is also far from her staff and her significant other, an Ohio Bureau of Investigation agent. It will have to rely on its own resources, which are abundant.

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Kate was raised Amish until she left the church at 18, after suffering horrific trauma and being generally unfit for life, but she is perfectly suited to her job of mediating tourist altercations and residents. She does just that, albeit on her day off, when her dispatcher calls to tell her that three men are waiting in her office from Pennsylvania to see her.

The men are Amish officials in their district and tell him that a skeleton discovered in a field has recently been identified as that of a former bishop who disappeared 18 years earlier. As well as her bones, an ancient muzzle-loading rifle was found that belonged to Jonas Bowman, who once lived in Painters Mill and was Kate’s teenage sweetheart. He recognizes that the weapon is his but denies having killed the bishop. The Pennsylvania men want Kate’s help clearing Jonas.

Extracting information from local police is difficult, and Kate has mixed results talking to Amish locals. She learns that the deceased bishop had been extremely strict, having excommunicated Jonah’s father for using a diesel-powered tractor. From other sources, she learns that he had committed many acts incompatible with the peaceful sect.

There are several flashbacks to Kate’s teenage years and the excruciating trauma she suffered.

Devoted readers of this standout series may miss Kate’s well-developed regular supporting characters at first, but the thrilling plot and double false conclusion will relieve them of any objections.

“The Hidden One” (320 pages, hardcover) is $27.99 from Minotaur. Linda Castillo grew up in Ithaca, Ohio, a village in Darke County, and lives in Texas. In addition to the novels, there are several electronic short stories in the series.

Linda Castillo, along with Tallmadge author Amanda Flower (“Peanut Butter Panic,” seventh in the Amish Candy Shop mystery series, will be released in September) and Medina County author Linda Ellis (Bourbon Tour mystery series), will discuss their work at 2 Sundays at the Parma-Powers branch of the Cuyahoga County Public Library (6996 Powers Blvd.; sign up at cuyahogalibrary.org), and 6-8 p.m. Mondays at the Lake Community branch from the Stark County District Library (565 Market Ave. SW, Uniontown; register at starklibrary.org).

“Antioxidants against free radicals”

“Antioxidants Versus Free Radicals” by Dr. Alfred Casino, an Akron physician, is a small book of health tips, mostly about how to prevent heart disease and cancer, and mostly with common sense suggestions like the exercise and avoid smoking and saturated fats.

Casino cites avoiding stress and holding grudges, having a happy marriage, being a US citizen and religious beliefs for turning 88. He also mentions having survived tuberculosis and bladder cancer, and his foundation to provide surgical correction for cleft palate in the Philippines, his native country.

“Antioxidants Versus Free Radicals” (54 pages, softcover) costs $8 at online retailers.

Cleveland Poet Honored

The National Beat Poet Laureate Foundation Inc. has named Cleveland poet John B. Burroughs a US Beat Poet Laureate for 2022-2023. Burroughs was the 2019-2021 Beat Poet Laureate for Ohio.


Bookstore of the learned owl (204 N. Main St., Hudson): Phillip Kane signs “The Not So Subtle Art of Caring: Letters on Leadership,” featured June 26 on Book Talk, Sunday 1-3 p.m.; Laura Peskin and Randy Rosko sign “Deep Cover Cleveland Topics in Depth Vol. III,” a collection of little-known things about northeast Ohio, from 1-3 p.m. Saturday.

Medina County Public Library (Buckeye Branch, 6625 Wolff Road, Medina): Scott Longert signs “Victory on Two Fronts: The Cleveland Indians and Baseball in the Era of World War II,” 6-7 p.m. Monday.

Cuyahoga County Public Library: Leslie Hooton talks about her debut novel “The Secret of Rainy Days,” 7 p.m. Tuesday; Wade Rouse, who writes under the name of his grandmother, Viola Shipman, debuts “The Edge of Summer,” in which a woman researches her mother’s past, Wednesday at 7 p.m.; Barbara Graham (“What Jonah Knew”) and JoAnne Tompkins (“What Comes After”) talk about their work at 7 p.m. Thursday. Sign up at cuyahogalibrary.org.

Akron-Summit County Public Library (Goodyear Branch, 60 Goodyear Blvd.): Children’s author Lindsay Bonilla (“Polar Bear Island”) tells stories about whales, dolphins and other ocean creatures, 1-2 p.m. Wednesday. Register at akronlibrary.org.

Cuyahoga County Public Library (Parma-Snow Branch, 2121 Snow Road): British author Ruth Ware talks about her thriller “The It Girl,” Wednesday at 7 p.m. Sign up at cuyahogalibrary.org.

Stow-Munroe Falls Public Library: David Allen, author of “Ready for Anything: 52 Productivity Principles for Work and Life,” talks about “Getting Things Done: The Art of Stress-Free Productivity” during a virtual event at noon Thursday. Register at smfpl.org.

Tuscarawas County Public Library (121 Fair Ave., New Philadelphia): Wendy Koile signs “The Disasters of Ohio’s Lake Erie Islands, 6:30-7:30 p.m. Thursday. Subscribe at tusclibrary.org.

Mac’s back (1820 Coventry Road, Cleveland Heights): Fantasy/science fiction author J. Thorn, who contributed to “Carbon Almanac: It’s Not Too Late,” signs the collaborative science fact book on climate as part of what’s billed as the biggest book signing in history, with events on all seven continents, from 1-2pm on Saturday.

Visible voice books (2258 Professor Ave., Cleveland): Poets Diane Vogel Ferri, Barbara Marie Minney, Dianne Borsenik and Steve Thomas read their work, Saturday at 7 p.m.

Email information about local books and event notices at least two weeks in advance to [email protected] and [email protected] Barbara McIntyre tweets at @BarbaraMcI.

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Some surprising good news: bookstores are booming and diversifying


Many stores also saw their profits increase. In a survey of booksellers earlier this year, the association found that around 80% of respondents said they saw higher sales in 2021 than in 2020, and nearly 70% said their sales last year were higher than 2019, Ms Hill said.

At Blue Willow Bookshop in Houston, revenue rose 20% in 2021, and the store made more money last year than in 2019, according to owner Valerie Koehler. Mitchell Kaplan, the founder of Books & Books, an independent chain in South Florida, said sales were up more than 60% in 2021 compared to 2020.

Many of the new stores that have opened during the pandemic are run by non-white booksellers, including The Salt Eaters Bookshop in Inglewood, Calif., which specializes in books by and about women, girls and non-binary people. black; the Libros Bookmobile, a Latina-owned mobile bookstore in a converted school bus in Taylor, Texas, that stocks Spanish and English fiction, and Reader’s Block, a black-owned bookstore in Stratford, Connecticut.

Terri Hamm decided to open Kindred Stories in Houston when her daughter, now 14, said she was bored with the books her mother brought her home to read. An avid reader, she gravitates around books on black youth.

“I realized that she didn’t have space in Houston to discover and explore all of the amazing works in the market written by black voices,” Ms. Hamm said. “There was no organized space thinking about her.”

The rapid growth of physical bookstores is particularly surprising at a time when physical stores face overwhelming competition from Amazon and other online retailers. Many bookstore owners are also facing new uncertainties related to a bleak outlook for the global economy – labor shortages, supply chain failure, rising rents and interest rates, rising the cost of goods and the impending recession which could depress consumer spending.

Jazz Notes: Mitchell, Gobert, Free Agents, Kessler


Jazz general director Justin Zanik did not label Donovan Mitchell as ‘untouchable’ but made it clear moving Mitchell is not part of the team’s current plans, tweets ESPN’s Tim MacMahon. In the wake of the Rudy Gobert trade, there has been speculation that Utah may seek to offload Mitchell and initiate a full-scale reconstruction, but Zanik said the organization still sees Mitchell as a vital part of its future.

“Change is inevitable in the NBA” Zanik responded when asked about Mitchell. “I’m not trying to be cryptic or anything, but Donovan is on our roster and he’s a very, very important part of what we’re trying to do. Things are changing in the NBA, so I couldn’t sit here and say someone is (untouchable). We’re trying to build a championship team, but there’s no intention there (to trade Mitchell), at all.

Zanik added that management has been in contact with Mitchell and that he “supported” the team’s off-season moves, according to Eric Walden of the Salt Lake Tribune (Twitter link). Mitchell could see more time as lead ball handler in the coming season, and CEO Danny Ainge believes he is capable of becoming a full-time point guard (Twitter link).

There is more on the Jazz:

  • Zanik also said the team is “in the middle” of reforming their roster and indicated more moves are coming, Walden tweet. Addressing the Gobert trade, Zanik said the Jazz liked having Gobert to anchor their defense, but decided Minnesota’s offer was “in the best interest of the organization.”
  • The team is still considering re-signing free agents Eric Pascal, Trent Forrest and Juancho HernangomezWalden adds (Twitter link). “We by no means closed the book on any of these guys,” Zanik said.
  • First-round pick Walker Kesler is dealing with a minor toe injury he suffered in pre-draft training and will no longer play in Summer League, Walden tweet. Kessler has been cleared by team medical staff, but will focus on conditioning.
  • Jared Butler and Bruno Caboclo were jazz “stars” at the Salt Lake City Summer League, according to Trent Wood of The Deseret News.

Expected Value: This Week’s Top 5 Sports Betting Industry Developments

5. Bally Bet enters the Ontario sports betting market

It seems like every week there is a newcomer to the Ontario betting market and this week was no exception.

American heavyweight BallyBet (NYSE:BALY) has been approved for a gaming license by the province’s AGCO (Alcohol and Gaming Commission).

According to the company’s website, the online casino will be available first, followed by the Sportsbook. The site will also offer a range of free sports games, which will give customers the chance to win prizes.

In addition to Ontario, Bally Bet has also been approved to join the New York mobile sports betting market. The company has yet to officially launch, despite launching in the New York market in January. The company shared plans that it was looking for a Q2 2022 launch, but no updated timeline has been set.

4. California betting battle escalates

An all-out lobbying war has erupted in the state of California now that there are two ballot betting initiatives this fall.

The first volley fired is a 30-second commercial titled “False Attacks” which aims DraftKings (NASDAQ:DKNG) CEO Jason Robins and is funded by California tribes who would like betting restricted to Native American-run racetracks and casinos.

However, not all tribes are against directed industry. Proposal 27, according to a press release this week. The Santa Rosa Rancheria Tachi Yokut Tribe joined the Big Valley Band of Pomo Indians and the Middletown Rancheria of Pomo Indians in supporting the initiative.

With potential revenue estimated at $3 billion, this battle will only intensify.

In other news…

888 Holdings faces hurdles after securing William Hill

‘Incredible amount of dirty money’ laundered by BC casinos

FanDuel new official sports betting partner with NFL Canada

Gambling site loses UK license for breaching rules

Ontario Sports Betting Regulator Fines DraftKings

Paddy Power On Way Out Flutter CEO Confirms

Betting companies await findings from UK white paper

UCLA and USC move to BIG Ten may be money-driven

3. Premier League seeking Jersey betting ban

As North American sports leagues continue to embrace the world of sports betting, from naming rights to sponsorship, it seems the UK is headed the other way.

Once a country where gambling shops were on every corner and football clubs had betting companies on their shirts, the tide is turning the other way or so the hope is.

Premier League football has asked its clubs to vote on a voluntary ban on gambling sponsorship on shirts ahead of possible government action.

Top teams may not be phased by the idea of ​​a ban and could easily get sponsorship elsewhere. However, teams in the lower leagues are very worried, with the English Football League, sponsored by Sky Bet, saying it will cost their clubs £40m a year.

Since last season, half of the top teams in the leagues had betting sponsors on their shirts. The government hopes to decide on a ban before July 21.

2. FansUnite begins trading on the Toronto Stock Exchange

It’s been a big week for FansUnite (TSX:FANS).

The Vancouver-based global sports and entertainment company announced this week that it will be listed on the TSX.

FansUnite CEO Scott Burton said in a statement that “The Canadian Securities Exchange listing on the TSX is an accomplishment for any public issuer, as evidenced by the number of companies making the transition successfully.”

The move is deserved given the breakdown of TDR Senior Financial Writer Benjamin A Smith last month where the company posted considerable revenue growth while achieving its cash flow positive first quarter of the story.

With the listing of the company on the TSX, the common shares of the company will cease to trade on the CSE. The company explained that “shareholders are not required to exchange their share certificates or take any other action in connection with the listing, as there will be no change in the ticker symbol or CUSIP for the shares. ordinary”.

1. Sports betting worth $129 billion in 2028

With market volatility affecting nearly every industry, sports betting stocks have not been immune to the turbulence. There is, however, some good news this week when it comes to the future of the industry and its potential value.

Vantage Market Research a recent analysis of the global sports betting market revealed that revenues are expected to reach a value of US$129.3 billion in 2028.

The research company attributed increasing technological advancements and innovation as the keys to the predicted market growth.

Vantage also highlighted in its report the increased penetration of connected devices as something that would increase the development of the global sports betting market over the projected period.

For context, global market revenue last year was valued at US$74.2 billion.

To read the Top 5 developments in the sports betting industry from the past week, Click here.

Little Bookstore in Clayton to Host Guest Author and Poetry Open Mic | Automatic functions


CLAYTON — The Little Bookstore, 413 Riverside Drive, will host a poetry showcase on Monday.

It will include a book signing by author SJ Sindu from 2-4 p.m. and an open mic of poetry from 4-6 p.m.

Ms. Sindu will be signing copies of her book, “dominant genes” published by Black Lawrence Press. His other books are also available for purchase.

“This is a great opportunity to showcase the talent in our region,” Rebecca Kinnie, owner of The Little Book Store, said in a press release.

The open-mic poetry reading will be presented by Poets and Writers Ink, a Cape Vincent-based writers club.

Winner of the Fall 2020 Black River Chapbook competition, Ms. Sindu’s hybrid collection of poetry and lyrical essays blends extraordinary power and beauty with tenderness and anger. Through poetry and lyrical essays, “Dominant Genes” explores family, heritage, and the construction of non-binary and queer identities. She also delves into the inherited rage of South Asian women, the complexities of mental health, and the love and pressure inherent in our closest relationships.

Poets and Writers Ink was established in 1999 to encourage the art of writing through original works, literary commentary, writing exercises, guest speakers, book signings, and anthology production. Membership is free, all ages, genders and skill levels are welcome.

For more information, contact Little Bookstore Clayton at [email protected]

As an Amazon Associate, I earn from qualifying purchases.

Ok Ocean County Candle Lovers Which “cereal” is your favorite?


So you’re probably wondering “does Shawn mean which cereal is your favorite to taste” no, I’m asking “which cereal is your favorite to smell?” This is because there is a new range of candles coming out and cereal lovers might like this idea.

According to a report by Food and wine, a new line of candles comes out on the theme “breakfast cereals”. So no spoon or bowl is needed for these favorite cereals.

General Mills is very pleased to launch this new line of “cereal” candles on the national market. In fact, they’re so excited that they’ve partnered with Target to launch this new product line.

What were your favorites General Mills cereals? Will one of your favorites be in this new range of candles? Cereals featured in the new line of candles include Cinnamon Toast Crunch, Cocoa Puffs, Honey Nut Cheerios, Trix and Lucky Charms.

According to Food and Wine, Susan Pitt, director of brand experience at General Mills, said “These candles feature the delicious scents of some of our most beloved products, like Lucky Charms and Cinnamon Toast Crunch, and give fans of the brand a fun new way to experience their favorite childhood cereals.”

Pit added, “Our new line of cereal scented candles are the perfect accessory for any cereal lover.”

I started thinking about which of these cereals I would like as a candle for our house and I think I would choose Trix as my candle of choice. After that maybe Cinnamon Toast Crunch?

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4 backup big man trade targets for Celtics to use their $17.1m TPE on


The Boston Celtics were widely considered unlikely to use their $17.1 million traded player exception (TPE) before it expires on July 17 after trading for Indiana Pacers point guard Malcolm Brogdon given that the team is now about $20 million in the league’s luxury tax, but recent reporting by The Athletic’s Jared Weiss reported that Boston isn’t done looking for ways to use it.

It would most likely be for a backup big man given that’s the only real need for one of the NBA’s deepest teams, but with that big tax bill pending as the roster currently sits, suggests that such a move to bring in a dearer big man would likely see a rotation player like Derrick White, Grant Williams or Payton Pritchard come out to help balance the books.

Such exchanges could exhaust even the most ardent trading machine fans with the possibilities, so we won’t explore the actual offerings themselves.

But we have four potential targets that might make sense given what they can do for Boston, their salary and their limited future with their current team.

Let’s see which might make sense for the Celtics.

Raj Mehta-USA TODAY Sports

Olynyk knows the Celtics if not head coach Ime Udoka, and can shoot and pass well enough to fit into the team’s regular-season play.

Not a suitable idea defensively and with another season remaining on an already costly contract for his level of play, he would likely be part of a deal moving Derrick White if that were to happen at this stage.

Bob DeChiara – USA TODAY Sports

Favors don’t make much sense on the Thunder and like an expiring deal might even make sense with a player like Luke Kornet coming back to cut the tax bill a bit.

And while he doesn’t hit well enough from 3 to be an ideal option, his game away from the basket and his size are enough that he could likely help Boston save Al Horford and Robert Williams III for the playoffs. .

Winslow Townson – USA TODAY Sports

Saric is a mystery box that would likely cost little given the uncertainty of his health following a torn ACL from which he spent the last year recovering, in contrast to his considerable salary.

He’s not an ideal fit even though he’s healthy given his lightweight frame and Boston’s need for a paint presence, but he could become an asset to play on the upside if the Suns have to clear. the cap quickly for a trade with Kevin Durant (or Deandre Ayton deal).

(Maddie Meyer/Getty Images)

The Raptors will likely hang on to Birch for the same reason the Celtics might love him considering he has the waist-step girth to operate in the paint when a team needs strength in the position.

If he were available and not too expensive in terms of demand, Birch’s cheap salary and skill set puts him among our favorite potential solutions for Boston at backup 5.

Pre-market stocks: Cotton plunge: Recession warning or just another market mess?

Every day for the past week, cotton futures have suffered triple-digit losses and the December futures contract closed below $1 for the first time since January. Cotton has lost more than a third of its price since early May. This is bad news for US economic growth: the United States is the largest exporter of cotton in the world.

Cotton is not alone in its vertiginous fall. All commodities fell in price as investors anticipate lower demand in the near future as they prepare for a possible recession. Crude oil, metals and other crops have also been hit hard in recent weeks.

West Texas Intermediate crude, the U.S. oil benchmark, fell more than 8% on Tuesday and traded below $100 a barrel for the first time since early May. Copper is officially in a bear market, sitting more than 20% below its April highs. That’s a particularly bad sign, because falling copper prices have been an oddly accurate predictor of recession for the past three decades.

The drop in cotton, however, has been particularly puzzling. Cotton products are largely discretionary, making them much more susceptible to drops in demand during economic downturns, and a severe drought in West Texas threatens to decimate this year’s cotton crop. But some economists also say the way cotton is traded makes it more vulnerable to widespread speculation and volatility.

Here’s why: when textile mills buy cotton from a merchant, they use what’s called an open-custody contract.

This means that the textile company, or factory, will draw up a contract with a cotton merchant stating that he will get a delivery of cotton in three to six months, at a price relative to where the futures contract July or December is negotiated at the time of delivery. .

At some point in the future, usually when the mill thinks the market price of cotton is as low as possible, the manufacturer will call the trader and finalize the contract at that price. Traders typically sell cotton futures on the New York Intercontinental Exchange (ICE) when they first sign their contracts to hedge their operating margin. They buy back these hedges when the price becomes fixed.

But a new class of customers has changed the way the market works. Hedge funds and other major financial players flooded the exchange with big bucks and lots of speculation. As a result, prices do not always match crop fundamentals.

Over the past two years, cotton futures have reached record highs, rising from 48.35 cents per pound in April 2020 to nearly $1.60 per pound in April 2022.

A surprisingly successful growing season last summer and a surge in pre-pandemic demand contributed to that growth, said John Robinson, a professor of agricultural economics at Texas A&M University. But a big reason for the huge rally was really just an increase in market speculation.

The Commodity Futures Trading Commission keeps track of when contracts are officially set between traders and mills and makes this information public in real time. Speculators can see how many contracts still need to be fixed and know exactly how long they have until the futures contracts expire. They know if there will be an increase in forward buying in the short term and can decide to anticipate it.

Now, however, prices have fallen. July 2022 cotton futures closed at $0.99 and December 2022 cotton futures are at $0.89, and Robinson says he is puzzled by the sudden drop.

“The West Texas crop is decimated, I don’t see how anyone can miss and I don’t understand why people who are long would liquidate now,” he said.

Managed funds significantly reduced their net long position last week, according to the Commodity Futures Trading Commission.

The anger over ‘people who are not involved in the commercial buying or selling of anything dropping a billion dollars and distributing it according to their formulas’ dates back to 2008, when cotton markets were hit hard affected during the Great Recession, Robinson said. Today, there is a growing movement among cotton growers to change how ICE futures work to prevent speculation.

Either way, he added, many cotton growers in the United States are suffering.

Federal Reserve releases minutes, Wall Street yawns

The Federal Reserve released the minutes of its June 14-15 Wednesday’s meeting, giving investors a behind-the-scenes look at the central bank’s decision to raise interest rates by three-quarters of a percentage point to combat high inflation.

The notes show that Fed members are increasingly concerned about the entrenchment of inflation in the United States and reaffirm their commitment to do what it takes to cool high prices for consumers and businesses. , even if it means slowing down the economy.

Members hinted that the Fed would likely raise rates another half or three-quarters point at its July meeting.

Fed policymakers “recognized the possibility that an even tighter stance may be appropriate should elevated inflationary pressures persist,” according to the minutes.

Markets appeared unresponsive to the new data. The shares rose slightly in the late afternoon and closed relatively flat.

“We don’t see a lot of significant new information in the minutes,” Bob Miller, head of Americas fundamental fixed income at BlackRock, wrote on Wednesday. The minutes, he said, were largely a recap of what traders already knew, explaining the muted response from investors.

The dark side of Buy Now, Pay Later

Buy now, pay later, installment plans have become popular among consumers looking to spread the cost of major purchases. But the rising cost of essential goods in the United States has led some struggling shoppers to use the payment method for smaller purchases like coffee, groceries and gas, writes my CNN Business colleague Alicia Wallace .

Economists and consumer advocates worry about the phenomenon. They say the growing popularity of these services, which have little oversight, could mean Americans are taking on more debt than is publicly reported.

“Despite its rapid growth, BNPL has sounded the alarm to economists, regulators and attorneys general. They have warned that because the services are unregulated as credit products, it has resulted in a style market Wild West with varying terms and conditions and some checks and balances,” Wallace writes.


Two US labor market reports are due out this morning: ADP’s US Private Sector Employment Report and the US Weekly Unemployment Claims Review.

Cool bookstores and book cafes in Metro Vancouver


New and used, neat and messy, these nooks are a book lover’s paradise.

Bookworms in Vancouver?

Whether it’s romance, fantasy, non-fiction, or a self-help book, sometimes you need a day to get lost in a good book. Better yet, find your next read while exploring the city’s most scenic reading spaces (and beyond, if you’re up for a little getaway).

Library and Café Wendel

What could be better than finding the perfect reading in a huge bookstore? Realizing that you are also in a cafe. A hot drink, maybe even a tasty bite, as getting lost between the pages looks like a good time.

Address: 9233 Glover Road, Langley

Bean Around Books Coffee

There is a certain kind of comfort that one can only find when reading a good book immersed in the cozy but lively atmosphere of a café. This café-bookstore is also a non-profit organization that helps young people gain work experience as baristas while giving second-hand books a second life.

Address: 22626 Lougheed Road, Maple Ridge

Upstart and Crow

This “literary salon” brings together bookstores, literary launches and workshops in one. It’s a bookworm’s paradise here in Vancouver. It’s also so tall that there’s a ladder to reach some of the upper shelves.

Address: 1387 Railspur Lane, Vancouver

MacLeod’s books

This self-proclaimed antiquarian bookstore is full of original literary gems and captivating reads. It’s far from neat (there are many stacks of books to sift through), but that’s the beauty of it. Be ready to dig for that perfect book.

Address: 455 W Pender St, Vancouver

The paper dog

Books of all ages, genres, and rarities are stored in this neat brick-and-mortar bookstore. It’s not hard to find a good read among the shelves and vintage art of pulp fiction.

Address: 344 W Pender St, Vancouver

Canterbury Tales Bookstore

Literally piled floor to ceiling with used books, browsing the crowded shelves makes for a great activity on a rainy day. Not to mention the mystical old atmosphere of the little shop which is worth visiting.

Address: 2010 commercial promenade, Vancouver

How Instagram is helping a sci-fi fan sell books


When Adam Exler, the bookseller who created the Collectible Science Fiction Instagram account, first joined the service, his profile picture was a 1973 David Pelham cover for science fiction master Philip K. Dick is Palmer Eldritch’s Three Stigmata. It is a hauntingly evocative work with a surreal image of two eye-like orbs hovering above a grinning grin. It’s also a tribute to Philip K’s obsession with Dick, which led Adam to become a social media bookseller.

At first, Adam was just a collector, selling duplicates of his collection to pay for new additions. He started enjoying the details of selling books – how to rate books, how to find rare books, track down old editions just by the cover – and started a Facebook page. Then, in September 2016, his wife came up with a better social platform.

Why Instagram specifically?

Unlike its rivals Facebook or Twitter, Instagram is clearly designed for one purpose: to share images. A visual niche like vintage book covers can thrive with this service. The business world loves it too – 59% of Instagram users are in the coveted 18-29 age group, and a 2017 study found it to be “the media platform Fastest Growing Socials” among the Inc. 500.

Instagram also outperforms other common book selling sites, as another bookseller, Kevin of Rare Book Sleuth, explains: “If I sell on other sites like eBay and Amazon, they get a discount of about $8 respectively. and 14%. But with Instagram, I was able to get rid of the middleman.” It is also possible that he used “buy Instagram followers services” to gain more popularity.

Adam posts images of three or four books for sale every day, allowing his followers to let him know of their deals. He has posted over 2,800 images to over 5,800 subscribers.

Rules for Selling Books on Instagram

The bookstore adheres to one important rule: be honest. A bookseller’s audience needs to know the condition of the book, whether they’re hoping for a well-preserved edition or simply want a physical object and the tangible nostalgia it represents, wrinkles to hell with it.

Instagram ecosystem

Instagram’s lack of hyperlinks and overabundance of soothing sunsets has led many to consider it the most enjoyable social network. It certainly provides respite from the frenetic news cycle, and anyone who spends enough time on the platform will discover corners of Instagram dedicated to niches such as vintage sci-fi novels. If you also have texts, you can promote yourself in the buy Instagram followers feature to sell your examples.

Adam never thought other dealers would start buying from him, but they support Collectible Science Fiction as much as he buys from them.

Original editions with four figures.

Sci-fi and retrospectives are hot trends right now, as evidenced by TV hits like Stranger Things and Black Mirror, or blockbusters like Stephen King’s It and Bladerunner. This cultural look does not escape the attention of Adam’s genre-focused boutique.

However, not all of the benefits of a sci-fi bookstore on Instagram are financial: Adam was interviewed for a Vice China article on sci-fi coverage, and he was even recently approached by a production company television to do an American Pickers-style show. for science fiction and fantasy collectors.

But what is the best success story that Adam can share? Instagram linked him to “a whole world of collectors and artists”. Mid-century sci-fi publishers often failed to recognize their cover writers, but Instagram won’t be so disrespectful in 2018.

Treat yourself to some sci-fi swag!

We’ve teamed up with the folks at TeePublic to give fans the opportunity to support each other and express their interests by owning personalized and unique products based on their favorite sci-fi franchises! The designs are created by fans and a portion of the proceeds from each sale goes to support the artists and their work! Check out the whole store and see if anything catches your eye!

Written by ChrisPosted on 2022-07-06 11:14:04

The game is to bring f..e..ar to retailers and make them incur immediate losses.. Big players/traders..


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Donald Trump explores the presidential election again to avoid prison


Former president donald trump could announce a snap presidential election to pre-empt attempts to prosecute him, according to multiple reports.

What happened: Trump has told his advisers that declaring his candidacy for the White House would bolster his argument that the criminal investigations against him in New York and Georgia are politically motivated, The Guardian reported.

The former president told Newsmax last week that the Jan. 6 committee hearings examining the riots that took place on Capitol Hill before the president that of Joe Biden nomination were to prevent him from “running again”.

“I’m leading in all the polls,” he said. “I’m leading in the Republican polls in numbers no one’s ever seen before, and against Biden and everyone they lead. I’m leading against them.”

The New York Post reported that the political consultant and author of “The Return: Trump’s 2024 Comeback” — Dick Morris – said he’s spoken with Trump dozens of times since leaving office and has “never, for a moment, taken his eyes off the ball – back to the White House!”

Why is this important: Speculation that Trump could run again is rising when more witnesses are expected to testify against the former president at the select committee hearing.

The January 6 Committee Vice President Rep. Liz Cheney (R-Wyo.) said recently that criminal referrals to the Justice Department could follow.

The Guardian noted that while presidential candidates typically wait until midterm in November to announce their candidacy, the presidential cycle has stretched longer and now begins two years before the general election.

A statement made earlier could upend the plans of the two main political parties, according to the Guardian.

If Trump runs for a second term, it could ‘complicate’ attempts to indict him criminally and bolster his support within the Republican Party – which began to erode after the Jan. 6 panel hearings, the report said. .

Read more : Vladimir Putin’s generals already occupy an entire Ukrainian province – now he wants them to

Photo via Joseph Sohm on Shutterstock

tightening may lead to stagnation, pressure on inflation

The capital sector to the real estate sector is blocked

Do Quang Tung in Hanoi wants to buy an apartment in the Thanh Xuan district. However, he does not have enough money. An apartment in the area costs at least 3 billion VND. He decided to borrow 1.5 billion VND from banks.

However, after contacting some commercial banks, he realized that he might not be able to get a loan as commercial banks tighten their credit policies.

Nguyen Minh Nhat, a company director, told VietNamNet that he was waiting for the disbursement of a loan worth VND 2 trillion from a bank. But the money still can’t be disbursed since March because the bank has informed him that the disbursement “margin” is running out.

Meanwhile, some commercial banks have halted disbursement for customers purchasing housing products that will take shape in the future.

“The news about the credit crunch is making us feel insecure. Real estate companies urgently need capital by the end of the year,” he said.

SBV reported that at the end of April, the total outstanding loans to institutions in the real estate sector had reached VND 2.288 quadrillion, an increase of 10.2% compared to the end of 2021, accounting for 20.44% of l total outstanding loans in the economy. Of this amount, outstanding loans for real estate trade was only VND 800 trillion, or 7% of total outstanding loans.

According to Ngo Tri Long, real estate is the sector that needs huge capital and the market would be “still” if there was a lack of capital. Therefore, companies need capital from many different channels to ensure a stable flow of capital.

Agreeing with Long, an economist warned that the draft circular, if approved, will not only affect home buyers and real estate companies, but also commercial banks. Some commercial banks cannot disburse money due to the credit crunch.

“The real estate industry has relationships with many other areas of activity. When the flow of capital into the sector is blocked, all production and business activities will become stagnant and prices will rise, thus causing inflation,” he explained. “Capital stagnation will be severe and could distort the market.”

Vietnam must learn from the Chinese lesson

According to Dinh Trong Thinh of the Academy of Finance, in late 2020, China crafted a housing credit crunch policy with three “red lines”, which did not allow property companies to borrow capital from banks.

As a result, the supply became insufficient and the estate agents had no money to pay the contractors. As a result, real estate projects under construction have hit a dead end.

In April 2022, home sales fell 49% compared to the same period last year. Investment in real estate fell 2.7% and investment in infrastructure by 6.5%, while the unemployment rate climbed to 6.7% with an 18.2% rate among older workers from 16 to 24 years old.

In May 2022, China had to change its policy, prompting certain localities to reopen housing credit, depending on the projects. The central bank asked to reduce the collateral required and cut the interest rate from 4.6% to 4.4% in April. The Chinese real estate market has warmed up.

Thinh believes that Vietnam should pursue a flexible credit policy with adjustments according to market segments and times. He also stressed the need to ensure transparency in development planning and quality products to meet people’s demands.

Regarding the draft circular to replace Circular 39, Chairman Le Hoang Chau of the HCM City Real Estate Association said the draft document uses the words “control” the “loans to finance the ‘buying a house and real estate trade’, which makes people realize that the central bank will tighten lending to the real estate sector.

He said that it would be better to replace the word “control” with “manage” or “strengthen management”.

A representative of a foreign-funded bank in Vietnam said policies should be designed according to market movements. If he applies the administrative order rigidly, it will be a “non-market” move, which will affect the whole economy.

Tran Thuy

Canadian diplomats denied access to tycoon’s trial in China: embassy


Published on:

Beijing (AFP) – Canadian diplomats have been denied access to the trial of Canadian-Chinese tycoon Xiao Jianhua in China, the Ottawa embassy in Beijing said in a statement on Tuesday, the day after the businessman’s trial.

Xiao, one of China’s wealthiest people at the time of his alleged abduction from a Hong Kong hotel in 2017, is believed to have had close ties to the upper echelons of the ruling Communist Party.

Nothing more was known about the tycoon, who is a Canadian citizen, since his disappearance until the embassy confirmed on Monday that he faced trial.

“Canada has made several requests to attend the trial. Our presence has been refused by the Chinese authorities,” the embassy said in a statement Tuesday.

Chinese authorities have so far remained silent on the case, which is believed to be linked to an anti-corruption campaign championed by President Xi Jinping since coming to power.

Asked about the trial on Monday, a Foreign Ministry official said he was “unaware of the situation”.

Xiao’s alleged abduction came at a time when mainland Chinese operatives were not allowed to operate in Hong Kong, and it sparked fear in the city of residents being forcibly disappeared.

Those fears were at the heart of the massive pro-democracy protests that rocked Hong Kong in 2019, sparked by a government bill that would have allowed extraditions to mainland China’s opaque, Communist Party-controlled justice system.

Xiao’s disappearance also follows the alleged abduction from mainland police custody of five people working for a bookstore that published salacious headlines about China’s leaders.

The booksellers later appeared on mainland Chinese television, admitting to a variety of crimes.

In response to the 2019 protests, China imposed a national security law on Hong Kong in 2020.

This law allowed its security agencies to operate in the city and overturned the legal firewall between mainland and Hong Kong courts.

Kabul bookseller becomes asylum seeker in London | Afghanistan


HHe was made famous by the international bestseller The Kabul Bookseller and survived a succession of repressive regimes in Afghanistan. But two decades later he is living in a London Home Office hotel, having fled the Taliban to seek asylum in the UK.

Shah Muhammad Rais, 69, arrived in the UK on September 26 and claimed asylum at the airport. He is waiting for his case to be processed and currently lives alongside other asylum seekers from various conflict zones.

“The UK was the only door open to me to be safe from the Taliban,” he told the Guardian.

Shah Mohammad Rais’ shop in Kabul, Afghanistan in 2007. Photograph: Musadeq Sadeq/AP

Her family members, including her nine children and four grandchildren, are scattered in different parts of the world. But his Kabul bookstore is still open after the Taliban takeover, as well as an online bookstore. He proudly hands over his business card – Shah M Book Co, printers, publishers, booksellers, Shah Muhammad Rais, managing director.

Times for the independent bookstore are tough, however, and Rais isn’t sure if the shop, established in 1974 — and which has endured nearly five turbulent decades — can withstand today’s challenges from the Taliban.

“Very few buy books now,” he says sadly. One of the consequences of the Taliban takeover was a mass exodus of intellectuals and others who were part of the book-buying population when British and American forces were on the ground in Afghanistan.

“I will keep the bookstore open as long as possible, maybe the Taliban will ban it or destroy it,” he shrugs.

Rais lived through different rules in Afghanistan and was imprisoned twice during the Soviet era, first in 1979 for a year and then again a year and a half after his release. He says he suffered torture and ill-treatment while in prison, including sleep deprivation and being forced to live in freezing conditions.

Åsne Seierstad, a Norwegian journalist, traveled to Afghanistan shortly after 9/11 and returned the following spring to write an account of life in the country through an intimate portrait of Afghan family life – the bookseller Rais, his two wives and his family. The book was based on her account and her observations after she was invited to move in with the family, with whom she lived for five months.

Rais rose to fame after the 2002 publication of the book, which topped international sales charts and has been translated into dozens of languages. However, he and members of his family took legal action against the author and claimed the book was inaccurate and invasive.

Following a lengthy legal battle, a Norwegian appeals court cleared the author of breaching the family’s privacy and found the facts in the book to be accurate.

Shah Mohammad Rais in his shop
Shah Mohammad Rais in his shop in 2007. Photograph: Musadeq Sadeq/AP

Rais’ bookstore is believed to have the largest collection of books on Afghanistan, expressing a variety of different viewpoints on historical events, all under one roof. In addition to textbooks for students in fields such as medicine, engineering, and languages, Rais found many rare books for which Rais found safe hiding places in case his store was targeted.

“I have safe places in Iran and Pakistan for some of the books,” he says.

He speaks six languages ​​and says with regret that he forgot a seventh that he spoke before: Russian.

After earning a master’s degree in civil engineering from Kabul University, he thought it wouldn’t be possible to make a living from engineering and decided to try to turn his love of books, which he had developed in adolescence, in a company.

In addition to his huge and diverse collection of Afghan books, he loves the classics, including works by Tolstoy, Balzac and Hemingway, and his favourite, the 13th-century Persian poet Rumi. “I loved reading Shakespeare’s Othello in Persian,” he says.

“From 2002 to 2020, I sold over 15,000 copies of European and American literature,” says Rais. He says his goal has always been to reflect a plurality of viewpoints on significant events in history rather than taking sides with one side or another.

“I am on the side of sincerity,” he says. “The Soviets put me in prison for collecting the decrees of Mullah Omar and other jihadist newspapers that I obtained in Pakistan. I said to the judge: ‘Tomorrow we will need these papers to study the Afghan jihad – to understand your enemies.’ »

In better times, its bookstore was a focal point for intellectuals from diverse backgrounds to congregate, sit on mattresses and listen to international news on good quality radio and debate the political and philosophical issues of the day. .

Now Rais’ future is in doubt as he anxiously awaits the outcome of his asylum application. And particularly agonizing for a book lover, he now suffers from a visual impairment. But his energy and enthusiasm are intact.

“If granted permission to work in the UK, I would like to open an Afghan reading room at the British Library. I am writing a book on Afghan land, culture and history and would like to open a multicultural and multilingual bookstore here for people from the region – from Pakistan, from Bangladesh, from Iran. It’s what I dream of. »

Cumberland County places book lockers in Godwin Town Hall


GODWIN – Residents of the northern part of Cumberland County now have a convenient way to get books and other items from the library.

The Cumberland County Public Library and the Town of Godwin have installed functioning automated book lockers at the Town Hall on Markham Street. The lockers are similar to those used to retrieve online orders from retailers.

If the project goes well, residents in other areas of the county could have access to similar facilities, according to Nora Armstrong, library division manager for community engagement.

“I’m optimistic about it,” she said. “I think it’s going to be very popular.”

Residents who reserve books, DVDs, audiobooks and portable hotspots can pick them up and return them to lockers, which will be available Monday through Friday from 8 a.m. to 5 p.m. when City Hall is open .

After:Summer Fun: A List of Inexpensive Activities for Kids in the Fayetteville Area

After:“We have a lot of work to do”: how Fayetteville plans to revitalize the Murchison Road corridor:

Library staff members plan to visit City Hall once a week to fill lockers and pick up returned items, according to a statement released by county officials. Staff members will also be available to answer residents’ questions about personal wearable technology such as tablets and smartphones, he said.

City and county officials celebrated the availability of lockers in a ceremony on Tuesday. Speakers included Godwin Mayor Willie Burnette and Glenn Adams, Chairman of the Board of County Commissioners.

Library director Faith Phillips, who also spoke at the ceremony, said in the statement that library officials were delighted to launch the initiative at Godwin.

“Serving our entire community, expanding access to library resources, and promoting digital equity is important to our library, and I am grateful for this opportunity with the Town of Godwin,” said she declared.

The lockers were purchased with grant funds from the Institute of Museum and Library Services under the provisions of the federal Library Services and Technology Act, according to the release. The grant is administered by the State Library of North Carolina, a division of the Department of Natural and Cultural Resources

Armstrong said residents can put a library item on hold through the website or by calling. Once staff members bring the item to the lockers, residents receive an email and can then access the item in a locker by scanning the barcode on their library card or entering a number they get from the library on a touch screen.

There are about 40 lockers of three sizes, including some large enough to hold children’s picture books, Armstrong said.

Anyone who wants more information about the lockers can call the library at 910-483-7727.

Local News Editor Steve DeVane can be reached at [email protected]

Some Texas schools may describe slavery as “involuntary relocation”


AUSTIN, Texas (AP) — Texas Public Schools would describe the enslavement of sophomores as “involuntary displacement” under new social studies standards proposed to the state Board of Education.

A group of nine educators took the idea to the State Board of Education as part of Texas’ efforts to develop a new social studies curriculum, according to the Texas Tribune. The once-a-decade process updates what children are learning in the state’s nearly 8,900 public schools.

The board plans to change the curriculum a year after Texas passed a law to eliminate subjects from schools that make students “feel uncomfortable.”

Board member Aicha Davis, a Democrat who represents Dallas and Fort Worth, raised concerns at a June 15 meeting that the term was not a fair representation of human trafficking. slaves. The council sent the draft back for review, urging the group of educators to “carefully consider the language used to describe the events.”

“I can’t say what their intention was, but it won’t be acceptable,” Davis told the Texas Tribune on Thursday.

Part of the proposed draft standards obtained by The Texas Tribune states that students should “compare travel to America, including voluntary Irish immigration and involuntary resettlement of Africans in colonial times.”

Texas’ public education system has become heavily politicized in recent years, with lawmakers passing laws dictating how race and slavery should be taught in schools and conservative groups pouring large sums of money into schools. school board races.

Texas drew attention to a similar situation in 2015, when a student noticed wording in a textbook that referred to slaves brought to America as “laborers.” The book’s publisher has apologized and promised to increase the number of textbook reviews it uses.

Copyright 2022 The Associated Press. All rights reserved.

Short stake in Hilltop Holdings Inc. (NYSE:HTH) drops 29.1%

Hilltop Holdings Inc. (NYSE: HTH – Get a rating) saw a sharp decline in short-term interest in June. As of June 15, there was short interest totaling 8,410,000 shares, down 29.1% from the total of 11,870,000 shares as of May 31. Currently, 12.2% of the company’s shares are sold short. Based on an average daily trading volume of 1,320,000 shares, the short interest ratio is currently 6.4 days.

Shares of NYSE HTH traded at $0.69 during Friday trading hours, hitting $27.35. 718,453 shares were traded, against an average volume of 933,363. The company has a market capitalization of $2.17 billion, a PE ratio of 8.00 and a beta of 1.10. The company has a fifty-day moving average price of $28.51 and a 200-day moving average price of $30.94. Hilltop has a 12-month low of $25.07 and a 12-month high of $38.47.

Hilltop (NYSE:HTH- Get a rating) last released its quarterly earnings data on Thursday, April 21. The financial services provider reported EPS of $0.28 for the quarter, missing the consensus estimate of $0.51 per ($0.23). The company posted revenue of $316.42 million for the quarter, versus a consensus estimate of $376.49 million. Hilltop had a return on equity of 11.01% and a net margin of 16.15%. The company’s revenue decreased by 39.5% compared to the same quarter last year. In the same quarter last year, the company achieved EPS of $1.46. Research analysts predict that Hilltop will post 1.51 EPS for the current year.

(A d)

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The company also recently disclosed a quarterly dividend, which was paid on Friday, May 27. Investors of record on Friday, May 13 received a dividend of $0.15 per share. The ex-dividend date was Thursday, May 12. This represents an annualized dividend of $0.60 and a dividend yield of 2.19%. Hilltop’s dividend payout ratio (DPR) is currently 17.54%.

Several equity research analysts have recently weighed in on the stock. TheStreet upgraded Hilltop’s shares from a “b” to a “c+” rating in a Friday, April 22 research report. StockNews.com cut shares of Hilltop from a “hold” rating to a “sell” rating in a Tuesday, June 14 research report.

Hedge funds and other institutional investors have recently been buying and selling stocks. Nordea Investment Management AB increased its stake in Hilltop by 1.3% during the 1st quarter. Nordea Investment Management AB now owns 247,698 shares of the financial services provider valued at $7,448,000 after buying 3,126 additional shares last quarter. Allspring Global Investments Holdings LLC acquired a new position in Hilltop during Q4 worth approximately $1,744,000. Westwood Holdings Group Inc. increased its stake in Hilltop by 28.7% during the 4th quarter. Westwood Holdings Group Inc. now owns 932,919 shares of the financial services provider valued at $32,783,000 after buying an additional 208,314 shares last quarter. Yousif Capital Management LLC acquired a new position in Hilltop during Q4 worth approximately $1,978,000. Finally, Campbell & CO Investment Adviser LLC acquired a new position in Hilltop during Q4 worth approximately $277,000. Hedge funds and other institutional investors hold 63.52% of the company’s shares.

About Hilltop (Get a rating)

Hilltop Holdings Inc provides corporate and personal banking, financial products and services. It operates through three segments: Banking, Broker-Dealer and Mortgage Origination. The Banking segment offers savings, checking, interest-bearing checking and money market accounts; certificates of deposit; lines and letters of credit, home improvement and equity loans, securities purchase and transportation loans, equipment loans and leases, agricultural and commercial real estate loans and other loans; and commercial and industrial loans, and term and construction financing.

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#IStandWIthJKRowling trends after trans activist urges people to send BOMBS to author; probe launched


Famous novelist JK Rowling has made the news again after receiving online death threats from a trans activist. Police are investigating a death threat against the novelist after a trans activist asked her Twitter followers to deliver a bomb to the author’s home. The lewd tweet included a photo of the “Harry Potter” writer’s address, a pipe bomb and the cover of a bomb-making manual.


However, the ‘Harry Potter’ writer recently responded to the comments and asked social media users to be ‘kind’. Additionally, the acclaimed author said police are investigating the incident and have taken action against the activist. On Friday, July 1, 2022, Rowling tweeted a screenshot of the threat made on Tuesday, June 14, claiming the activist’s Twitter account had been active for several weeks. “My family’s address (covered), a pipe bomb and a photo of a bomb-making manual. The account remains active, of course. #BeKind,” Rowling tweeted. The transgender account had also written that feminist writers such as activist Julie Bindel should “keeeellllll”. “Officers are investigating,” a spokesperson for Police Scotland said. Mail online.



Hillary Clinton Warns Democrats JK Rowling Effect Could Derail Them Midterm

JK Rowling ‘death threat’ video: Outrage after Twitter clears sinister message from trans activist


“The fact that people can publicly make death threats without concern is a telling accusation.” Fiona McAnena from advocacy group Fair Play For Women told the Mail. The offending profile was eventually deactivated for violating Twitter rules. After the incident, the hashtag #IStandWithJKRowling started trending on Twitter.


One user tweeted in Rowling’s support, “Today I’m tweeting #IStandWithJKRowling because no one should have to endure the abuse and threats she has for simply expressing an opinion that most people in the world would regard as completely uncontroversial.”

“JK Rowling might take the easy route and enjoy the fruits of her success, but she’s standing up for women’s rights when it’s causing her so much trouble. A true champion to all of us. #IStandWithJKRowling,” another user posted. . Another fan said, “Always #IStandWithJKRowling. Thank you @jk_rowling for standing up for women and girls, even in the face of bullying. Women will always stand by you.”



Earlier on Sunday, JK Rowling took to Twitter to thank her fans while commemorating the 25th anniversary of her book’s release at an Edinburgh bookshop. She wrote: “I had absolutely no idea what was to come as I stood dumbfounded in this bookstore, staring at my name on the back of a published novel. Thank you to all the readers who boarded the Hogwarts Express in 1997 and stayed with Harry until the very end. What a trip it was…”


Additionally, the 56-year-old gave a preview of her first book, Harry Potter and the Sorcerer’s Stone, which was first discovered in a bookstore. In the photo caption, the famous novelist said: “25 years ago today I saw Harry Potter and the Philosopher’s Stone in a bookshop (Waterstones, Prince’s Street, Edinburgh) for the very first time. It was one of the best times of my life. Thank you, @BloomsburyBooks, for taking the risk of a complete unknown.”



Rowling sparked controversy in 2020 when she sent out a series of tweets criticizing transgender concerns. She retweeted an article on “global menstrual health and hygiene” from an international development organization. She then mocked the headline which read, “Creating a more equal post-COVID-19 world for people who menstruate.”

Rowling tweeted in 2020 that she was offended by the term ‘menstruating’ because the word ‘women’ was omitted, which earned her criticism and she faced anger from the transgender community .


This article contains comments made on the Internet by individuals and organizations. MEAWW cannot independently confirm these and does not support any claims or opinions expressed online.

Independent booksellers grew in number and diversity in 2021 | Company


NEW YORK — Laura Romani, a Chicago-area resident with a background in education and library science, had been thinking about a new career.

“I was at home a few years ago, reflecting on all the experience I had gained and how I wanted to contribute to the Latino community, while allowing myself to be alone and use my love for books and my passion for multilingualism,” she says.

The solution: start a library. With the help of a local grant and stimulus checks she and her husband received during the pandemic, Romani launched Los Amigos Books, initially as an online store last year and now with a small dot. retail store with a bright blue facade in Berwyn, Illinois. It focuses on children’s stories in English and Spanish.

“Everything goes hand in hand,” Romani says of his decision.

Stores like Romani’s contributed to a year of solid growth and greater diversity for the American Booksellers Association, the trade group for independent booksellers. “primarily sell books” (more than 50% of inventory), as opposed to all stores carrying books. The ABA also no longer counts sellers with inactive memberships.

Hill attributes part of the rise to owners who delayed renewing their memberships to early 2021, reflecting uncertainty about the impact of the pandemic. But a significant number of additions, well over 100, are stores that opened in the past year, dozens of which are owned by people from a wider variety of racial and ethnic groups. These stores range from Libelula Books & Co. in San Diego to Yu and Me Books in New York’s Chinatown, from Modern Tribe Bookshop in Killeen, Texas, to Socialight Society in Lansing, Michigan.

The ABA has long been predominantly white, with Board Chairman Jamie Fiocco acknowledging in June 2020 – after the murder of George Floyd – that the association had not done enough to “remove barriers to membership and service for black, indigenous, and people of color.” Hill cited many recent initiatives, including expanding its diversity committee, diversifying its board, raising awareness and — for a time — waiving membership fees.

“The increase in BIPOC stores is a big change for us,” Hill said.

Like Romani, many new owners had previous careers, or still have them on the sidelines. Sonyah Spencer works as a consultant to help fund The Urban Reader in Charlotte, North Carolina, a store focused on African-American books that she opened in part because of the Black Lives Matters movement and concern over a increase in book bans. In Locust Grove, Georgia, Erica Atkins was a college teacher and trainer who, while recovering from surgery, had a vision—divine, she said—that she should open a store, this which is now Birdsong Books.

“I have dedicated my life to sharing knowledge,” she says. “Whenever I have a conversation with someone, I give book recommendations.”

In Ossining, New York, Amy Hall is vice president of Eileen Fisher who says her work in fashion inspired her to open Hudson Valley Books for Humanity. She had browsed her shelves and started thinking about how the durability of clothing might apply to what she was reading. She decided to create a store that would primarily carry second-hand books and otherwise reflect Ossining’s economic and ethnic diversity.

“I wanted to build a bookstore that would accommodate people from all these different segments of our community,” she said. The new books she keeps in stock include social justice and the environment.

After initially fearing the pandemic would devastate book sales, publishers have posted strong profits over the past two years and independent sellers have endured. Hill and others had feared hundreds of member stores would close in 2020. Instead, about 80 closed and only 41 closed in 2021.

The independent bookstore is a resilient activity, but rarely secure. For decades, it’s been about overcoming obstacles – whether it’s the rise of Barnes & Noble “supermarkets” in the 1990s that contributed to the bankruptcy of thousands of ABA members , the growing power of Amazon.com or recent issues such as the supply chain. delays and price inflation.

Spencer of the Urban Bookstore says higher costs, including rent and shipping, have kept it from breaking even. Atkins of Birdsong Books noticed a sharp increase in Bible prices, with the price of a King James edition increasing by several dollars. At Changing Hands bookstores in Arizona, buyer Miranda Myers noticed several price changes, including for Emily St. John Mandel’s “Sea of ​​Tranquility,” one of spring’s top literary releases, and the upcoming Lore Olympus book by Rachel Smythe.

Myers said she was “certainly noticing these price increases happening more and more lately.” At the same time, according to Gayle Shanks, owner of Changing Hands, sales “are up. read more than ever.”

Review: Over My Dead Body by Sweeney Boo


Am I going to read a book, graphic novel, or comic just because it has witches in it, regardless of the actual plot? Indeed, I will. On my corpse follows Abby to Younwity Hidden Institute of Witchcraft, who is looking forward to a year to finally buckle up and take her studies seriously. However, all her plans are turned upside down when her mentee Noreen goes missing. Abby’s classmates are quick to put Noreen’s disappearance behind them – they’re sure the Coven will find her soon. But Abby can’t let Noreen’s absence pass her by and decides to search for answers, which leads her down a rabbit hole that threatens to uncover old secrets that others will do anything to keep her from exposing. As Abby begins to connect Noreen’s disappearance to a similar disappearance years and years ago, the mounting evidence lures Abby into the forbidden woods outside the academy…and what she finds there might just blow it all up.

This is definitely one of those perfect reads for fall, y’all! Now, I’m absolutely no connoisseur of artwork or illustrations, but Boo’s art style really worked for the portrayal of this magical school. Many panels are wide, allowing you to see much of the scenery beyond where the characters are at any given time. There were so many details to The Hidden School of Witchcraft Younwity and the wild woods that I could almost imagine walking down the halls or tripping over the grass and the emotions of the characters were also so clear! Sometimes you could almost tell what they would say based on their expression before reading the actual text I really like in graphic novels?

While the story might be a bit predictable, it didn’t take my enjoyment away because Boo manages to put his own spin on it all. We have fun mystery bits as Abby uncovers evidence that could help her locate Noreen, we have fierce friendships that are turned upside down when Abby wants to take matters into her own hands to find Noreen who looks more like a sister than a a classmate for her and we have a ticking time bomb as Samhaim, a time “when the veil between the world of the living and the dead is at its thinnest”, is fast approaching. All of these elements combined with a very interesting relational dynamic (reluctant enemy-ally image) make for a fast and atmospheric read that will make you want to try some spells yourself!

With vibrant characters, gorgeous artwork, mystery, and all the creepy vibes, On my corpse is the perfect witchcraft read for anyone who’s ever wanted to attend witch school or just can’t get enough of fall!

On my corpse is available from Amazon, Book Depository and other good book retailers, like your local bookstore, starting August 30, 2022.

Will you pick up On my corpse? Tell us in the comments below!

Contents | Good reads

fans of Chilling Adventures of Sabrina will love delving into the mysterious and wizarding world of nominated designer Sweeney Boo. Enchanting full-color illustrations are sure to charm readers as they explore the halls of Younwity’s Institute of Magic and the forbidden forest that lies beyond.

In the days before Samhain, the veil between the world of the dead and that of the living is thinnest.

See also

One day, everything was exactly as it should be. And the next thing, the closest thing Abby ever had to a sister, Noreen, was just…gone.

Distracted by the annual preparations for the Samhain festival, Abby’s classmates rush to put Noreen’s disappearance aside. The Coven will find her, Abby’s friends say. They have it under control.

But Abby can’t let go. Soon, a search for answers leads her down a rabbit hole that uncovers more secrets than Abby can handle. As more and more evidence points her to the forbidden woods surrounding the academy, she begins to see that Noreen’s disappearance mysteriously has a lot in common with another girl who disappeared all those years ago…

Major US airlines allow gender-neutral option on ticket bookings


July 1 (Reuters) – Major U.S. airlines have agreed to update their IT systems by the end of 2024 to allow travelers to buy tickets with an ‘X’ gender marker, a group confirmed on Friday airline business.

US Senator Ron Wyden, in a letter to Airlines for America chief executive Nick Calio, which was seen by Reuters, said member airlines were committed to change after he engaged with the group. A spokeswoman for the airline confirmed that Wyden’s letter was accurate.

Airlines for America represents passenger carriers Delta Air Lines (DAL.N), United Airlines (UAL.O), American Airlines (AAL.O), Southwest Airlines (LUV.N), Alaska Airlines (ALK.N), Hawaiian Airlines (HA.O) and JetBlue Airways (JBLU.O).

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In March, the Biden administration said Americans would be allowed to choose an “X” for gender on their passport applications and select their gender on Social Security cards.

“No one should have to misunderstand each other to book a flight,” Wyden wrote. “And, by forcing travelers to book their ticket with inaccurate gender information, airlines also end up providing inaccurate information to the Transportation Security Administration (TSA).”

Wyden’s letter states that “member airlines will post a page on their websites detailing specific steps non-binary people can take to obtain tickets that reflect their gender, such as working with a customer service representative who can update manually update the gender marker on their post.”

Wyden’s letter noted that United and American Airlines “have already changed their reservation process to allow travelers to book tickets with an X gender marker, but not all U.S. airlines have followed their lead.”

The State Department said in June 2021 that US citizens can select their gender on applications without having to submit medical documentation. In October, it issued the first US passport with an “X” gender marker.

The TSA said in March it would implement gender-neutral screening at its checkpoints with changes in imaging technology, reducing the number of pat-down screenings, removing gender identification from checkpoints checking and updating TSA PreCheck to include an “X” gender marker on its app.

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Reporting by David Shepardson; Editing by Leslie Adler and Jonathan Oatis

Our standards: The Thomson Reuters Trust Principles.

Cytokinetics Announces Pricing for $450 Million Convertible

SOUTH SAN FRANCISCO, Calif., July 01 10, 2022 (GLOBE NEWSWIRE) — Cytokinetics, Incorporated (“Cytokinetics”) (Nasdaq: CYTK) today announced the pricing of its offering of $450.0 million aggregate principal amount of convertible senior notes to 3.50% Due 2027 (the “Notes”) pursuant to a private offer to qualified institutional purchasers pursuant to Rule 144A of the Securities Act of 1933, as amended (the “Securities Act”).

Key elements of the transaction include:

  • $450.0 million 3.50% senior convertible bond issue (up 30.0% from conversion premium)
  • Redemption of approximately $116.9 million aggregate principal amount of 4.00% Convertible Senior Notes due 2026 (the “2026 Notes”)

The issue and sale of the Notes are expected to be settled on July 6, 2022, subject to customary closing conditions. Cytokinetics has also granted initial purchasers of the tickets an option to purchase, for settlement within 13 days of the original ticket issue date, up to an additional aggregate principal amount of 90, 0 million dollars.

The Notes will be senior unsecured obligations of Cytokinetics. The Notes will bear interest at the annual rate of 3.50%, payable semi-annually in arrears on January 1 and July 1 of each year, commencing on January 1, 2023. The Notes will mature on July 1, 2027, unless earlier converted, redeemed or acquired by Cytokinetics. Prior to March 1, 2027, Noteholders will only have the right to convert their Notes in certain circumstances. Beginning March 1, 2027, Noteholders may convert their Notes at any time, at their option, until the close of business on the scheduled Trading Day immediately prior to the Maturity Date. Cytokinetics will settle conversions by paying or delivering, as applicable, cash, common stock, or a combination of cash and common stock, at Cytokinetics’ option. The initial conversion rate is 19.5783 common shares per $1,000 principal amount of Notes, representing an initial conversion price of approximately $51.08 per common share. The initial conversion price represents a 30.0% premium to the last published sale price of $39.29 per Cytokinetics common share on June 30, 2022. The conversion rate and conversion price will be subject to adjustment as upon the occurrence of certain events.

The Notes will be non-refundable at Cytokinetics’ option prior to July 7, 2025. The Notes will be redeemable, in whole or in part (subject to certain limitations), at Cytokinetics’ option at any time, and from time to time, on or after July 7, 2025 and, in the case of a partial redemption, no later than the 60th scheduled trading day immediately prior to the maturity date, at a cash redemption price equal to the principal amount of the notes to be redeemed, plus accrued and unpaid charges interest, if any, up to but excluding the date of redemption, but only if the last reported sale price per share of Cytokinetics common stock exceeds 130% of the price of conversion for a specified period of time.

If a “Fundamental Change” (as defined in the Note Indenture) occurs, then, subject to a limited exception, Noteholders may require Cytokinetics to redeem their Notes at a cash redemption price equal the principal amount of the tickets to be redeemed. , plus accrued and unpaid interest, if any, up to, but excluding, the fundamental change redemption date.

Use of profits: Cytokinetics estimates that net proceeds from the offering will be approximately $436.0 million (or approximately $523.3 million if the initial purchasers fully exercise their option to purchase additional notes), after deducting discounts and initial purchaser commissions and estimated Cytokinetics offering fees. Cytokinetics intends to use:

  • Approximately $140.3 million of the net proceeds of the offering and issue 8,071,342 common shares to repurchase approximately $116.9 million in aggregate principal amount of its outstanding 2026 Notes through transactions negotiated in private concluded at the same time as the offer price; and
  • The remainder of the net proceeds of this offering to (a) expand and support its clinical development program for to affirm in patients with hypertrophic cardiomyopathy (“HCM”), including expenses associated with the potential conduct of a second Phase 3 clinical trial in patients with obstructive HCM and a first Phase 3 clinical trial in patients with non-obstructive HCM; (b) develop commercial capabilities and conduct readiness activities in the United States, Canada and Europe to support the potential launch of omecamtiv mecarbil and to affirm in these geographical areas; (c) advancing its early-stage clinical development pipeline, including the progression of CK-136 into proof-of-concept studies and the potential development of additional cardiac myosin inhibitors for the potential treatment of heart failure cardiac with preserved ejection fraction (“HFpEF”); (d) expand its research activities focused on muscle biology into muscle energy, growth and metabolism, and (e) for general corporate purposes, including working capital.

In connection with any redemption of the 2026 Notes, Cytokinetics expects that holders of the outstanding 2026 Notes who have hedged their equity price risk to the 2026 Notes (the “Hedged Holders”) may have, along with the pricing of the Notes, closed out their hedge positions by purchasing shares of Cytokinetics common stock and/or entering into or unwinding various derivative transactions relating to its common stock. The amount of Common Stock purchased by Covered Holders may have been substantial relative to the historical average daily trading volume of Cytokinetics Common Stock. This activity by Covered Holders may have increased the effective conversion price of the Notes.

As part of the offering, Cytokinetics has agreed with Royalty Pharma Development Funding, LLC to increase the size of the required draw down of the Tranche 4 or Tranche 5 term loans under the Funding Loan Agreement development of Cytokinetics with Royalty Pharma and other parties to $25 million. to $50 million, if the conditions of these loans are met.

The offer and sale of the Notes and any common shares issuable upon conversion of the Notes have not been and will not be registered under the securities law or any other securities law , and the Notes and such Shares may not be offered or sold except pursuant to an exemption or in a transaction not subject to the registration requirements of the Securities Act and any other securities law applicable securities.

This press release does not constitute an offer to sell or the solicitation of an offer to buy the Notes or the common shares issuable upon conversion of the Notes, nor will there be any sale of the Notes. or such actions, in any state or other jurisdiction in which such offer, sale or solicitation would be unlawful.

About Cytokinetics

Cytokinetics is a late-stage biopharmaceutical company focused on the discovery, development and commercialization of first-in-class muscle activators and cutting-edge muscle inhibitors as potential treatments for debilitating diseases in which muscle performance is compromised.

Forward-looking statements

This press release contains forward-looking statements within the meaning of Section 27A of the Securities Act and Section 21E of the Securities Exchange Act of 1934, as amended, including statements regarding the completion of the offering, the expected amount and the anticipated use of net the proceeds and timing or amount of any redemption of the 2026 Notes by Cytokinetics and the potential impact of any preceding or related transactions on the market price of Cytokinetics’ common stock or the price of the Notes. Forward-looking statements represent Cytokinetics’ current expectations regarding future events and are subject to known and unknown risks and uncertainties that could cause actual results to differ materially from those implied by the forward-looking statements. Among these risks and uncertainties are market conditions, the satisfaction of closing conditions relating to the offering and risks relating to the business of Cytokinetics, including those described under “Risk Factors” and elsewhere in the documents filed by Cytokinetics with the Securities and Exchange Commission (the “SEC”), including in its Quarterly Report on Form 10-Q for the period ended March 31, 2022, filed with the SEC on May 6, 2022, and future quarterly reports and current Cytokinetics filings with the SEC. Cytokinetics may not complete the offer described in this press release and, if the offer is completed, cannot provide any assurance as to its ability to effectively apply the net proceeds as described above. The forward-looking statements included in this press release speak only as of the date of this press release, and Cytokinetics does not undertake to update the statements included in this press release for subsequent developments, unless the law requires it.

Diane Weiser
Senior Vice President, Corporate Communications, Investor Relations
(415) 290-7757

Bookwaves/Artwaves – June 30, 2022: David Sedaris


Bookwaves/Artwaves is produced and animated by Richard Wolinsky.

Links to various local theater and reading venues


David Sedaris, whose latest collection of essays is titled “Happy Go Lucky”, is interviewed by Richard Wolinsky. Recorded June 9, 2022 at Book Passage Bookstore in Corte Madera, CA.

David Sedaris is the author of thirteen books, including Me Talk Pretty One Day, A Carnival of Snackery, The Best of Me, Calypso, Let’s Explore Diabetes with Owls and others. He was a commentator on NPR and CBS.

In this wide-ranging interview, he discusses life during the pandemic, his perspective on discussions with Trump supporters, his relationship with his siblings, including his sister Amy Sedaris, and his appearance on The Mandalorian, how he shapes his essays, and other topics.

Photos by Richard Wolinsky.

Complete 65-minute Wolinsky Radio Podcast.

Review: “Dana H” at Berkeley Rep’s Roda Theater through July 10, 2022.

Book Interview/Events and Theater Links

Note: Most in-person events still require proof of full vaccination for all audience members over 12 and masks. Many sites will require proof of boosters. Shows may unexpectedly close early or be postponed due to the actors’ positive COVID tests. Check the site for closures, ticket refunds and vaccination status requirements before you arrive. Dates are indoor performances, unless otherwise stated. Every hour Pacific Daylight Time.

Bay Area Book Festival Highlights from this year’s Festival, May 7-8, 2022,
Passage of the book. Monthly calendar. Mix of online and in-store events.
Books Inc. Mix of online and in-store events.
The bookstore Monthly calendar. Online events only.
Literary Arts Center, San Jose. See the website for Book Club guests in the coming months.
Kepler’s books Update the program listings on the page online.

Live theater companies
Alter Theatre. Coming: Hitch by Tara Moses, filmed. Live outside: pure native by Vickie Ramirez, Upper Grove at the Bruns, Cal Shakes, Orinda, July 15-24.
American Conservatory Theater The code by The Kilbanes, August 4-7, 2022, ACT Young Conservatory, Strand Theatre.
Aurora Theater wives by Jaclyn Backhaus, from June 24 to July 24. See website for online programs.
Awesome theater company. Now streaming on the site: Jersey Devil’s Game, Holy Sh*t that was scary: the cloud; and previous productions.

Berkeley Representative Dana H by Lucas Hnath, from June 3 to July 10, Roda Theatre.
Brava Theater Center: See website for events.
BroadwaySF: Hadesville national tour, June 7 – July 3, Orpheum. Prom, June 21 – July 17, Golden Gate.
Broadway San Jose: The season begins with Disney’s The Lion Kingfrom August 3 to 21.
California Shakespeare Theater (Cal Shakes) Lear by Marcus Gardley, from September 7 to October 2, 2022.
Central works Dream in Cuban by Cristina Garcia, from June 25 to July 24, 2022.
Cinnabar Theater. See website for Summer Concert Series.
Contra Costa Civic Theater camelot, small cast version, September 9 – October 9.
VSyouRran Theatre: Harry Potter and the Cursed Child Now playing.
Tailor-made theater. References to Salvador Dali make me hot by Jose Rivera, from July 1 to 24.
42n/a Moon Street. See website for weekly broadcast events.
golden thread The language of wild berries by Nagmeh Samini, from October 14 to November 6, 2022. Potrero Stage.
Historical musical theatre. LEASEfrom July 9 to August 14, 2022.
Lorraine Hansberry Theater. intimate clothes by Lynn Nottage, April 1-16, Magic Theatre, Fort Mason, closed.
Magic Theatre. Deal with the Dragon written and performed by Kevin Ralston, July 22–August 14, 2022. See website for other events and performances.
Marine Theater Company See web page for upcoming season announcement.
Mission Cultural Center of Latin Arts Upcoming events page.
New Conservatory Theater Center (NCTC) Aunt Jack by Nora Brigid Monahan, from September 16 to October 16, 2022.
Oakland Theater Project. See announcements for the upcoming season.
Pear Theatre. At the theatre : The piano teacherJune 22 – July 16.
PianoFight. Schedule of shows.
Ray of light: naughty boots, September 8 – October 1, 2022.
San Francisco Theater. from Sondheim FolliesJune 30 – September 10, 2022
SFBATCO See the website for upcoming streaming and indoor shows.
San José Stage Company: The play that goes wrong, from September 21 to October 16, 2022.
Shotgun players. Dream house by Eliana Pipes, from July 9 to August 7, 2022.
The Breath project. Continuous archive.
Marsh : Calendar listings for Berkeley, San Francisco and Marshstream.
Rhino Theater Diffusion: Essential Services Projectconceived and performed by John Fisher, all weekly performances are now available on demand.
Silicon Valley Works Theater. Nan and the lower body by Jessica Dickey, July 13 to August 7, Lucie Stern Theatre, Palo Alto.
Word for word. The boys go to Jupiter by Danielle Evans, from July 6 to 21, Z Space, Steindler stage.

Miscellaneous Announcements:
On View Calendar for BAM/PFA.
Berkeley Symphony: See website for listings.
San Francisco chamber music: Calendar, season 2023, from February.
Dance Mission Theater. Calendar of events on stage.
Oregon Shakespeare Festival: Calendar listings and upcoming shows.
San Francisco Opera. Calendar listings.
San Francisco Symphony Orchestra. Calendar listings.

Playbill List of streaming rooms: Updated weekly, this is probably the best list you’ll find of national and international plays and musicals streaming. Each week has its own webpage, so scroll down.
National theatrical distribution: Pieces to come from across the country.
Filmed musicals: Searchable database of all filmed live musicals, podcast, blog.

If you would like to add your bookstore or theater to this list, please write [email protected]

Tease the brain, test skills with all-in-one crossword puzzles, crossword puzzles and number search puzzles.


Sarah Mackey couldn’t find any Sudoku puzzles at the time of the COVID-19 lockdown so decided to create her own crosswords and add crossword puzzles to it for fun for the whole family and for different social events.

“Under Pressure Puzzles” (published by AuthorHouse) is an all-in-one book that teases readers’ brains, tests their skills with crossword puzzles, crossword puzzles, and crossword puzzles. The object of this game is to see how quickly they can fit the numbers zero through eight into each three-by-three square box horizontally and vertically without conflict.

“We all have to think again. We have lost some of our ability to think individually because of the immediate assistance of information stored in our cell phones. This book is about family, church, party, and shower,” says Mackey.

When asked what she wanted readers to take away from the book, Mackey replied, “so they can think again and challenge them to remember the good old days, the manners, the songs, etc. It gives guidance and hope.” For more details of the book, please visit https://www.authorhouse.com/en/bookstore/bookdetails/830241-under-pressure-puzzles

“Riddles under pressure”

By Sarah Mackey

Soft cover | 8.5 x 8.5 inches | 126 pages | ISBN 9781665532631

E-book | 126 pages | ISBN 9781665532648

Available on Amazon and Barnes & Noble

About the Author

Sarah Mackey is an encourager by nature. She was born in Moss Town on the island of Exuma in the Bahamas. She is a twin and the ninth of 11 children. She is the author of “Under Pressure Poems of Deliverance”.

AuthorHouse, a self-publishing brand of Author Solutions, Inc., is a leading provider of book publishing, marketing and sales services for authors worldwide and offers the only suite of services Hollywood book-film sector. Committed to providing the highest level of customer service, AuthorHouse assigns each author personal publishing and marketing consultants who provide guidance throughout the process. Based in Bloomington, Indiana, AuthorHouse celebrates over 23 years of serving authors. For more information or to publish a book, visit authorhouse.com or call 833-262-8899.

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DiNapoli: Use of rechargeable batteries is increasing dramatically, but state fails to enforce recycling law requirements


According to an audit released today by New York State Comptroller Thomas P. DiNapoli, the state Department of Environmental Conservation (DEC) is not doing enough to ensure that rechargeable batteries are recycled as required by law to protect the environment and public safety.

“We use devices with rechargeable batteries every day, but they pose serious environmental risks if not properly recycled,” DiNapoli said. “Unfortunately, the agency responsible for ensuring they are recycled does not know if this is actually happening or if they go out in the trash where they endanger the environment, public health and safety of New York City. DEC needs to start monitoring and enforcing the law or this danger will only get worse as the use of rechargeable batteries increases.

Rechargeable batteries can contain toxic metals such as mercury, lead, cadmium, nickel and silver, and lithium-ion, all of which can pose a threat to the environment and human health and safety. they are not properly recycled. If they are simply thrown in the trash and enter the waste stream, they can end up in landfills and their chemicals can seep into public water systems, lakes and streams. Lithium-ion batteries can ignite or explode if damaged in the waste stream and were the cause of a six-alarm fire on a garbage barge in December 2021.

The DEC is responsible for enforcing the New York State Rechargeable Battery Act of 2010 which requires manufacturers and retailers to recycle rechargeable batteries, with some exceptions, such as large batteries weighing more than 25 pounds and rechargeable batteries for vehicles. Recycling in New York is managed by Call2Recycle (C2R), a nonprofit program funded by the rechargeable battery and portable electronics industry, under a plan approved by the DEC in 2013.

C2R provides collection bins, covers shipping and sorting costs and selects recycling channels, so there are no public costs or public collection sites. C2R also creates and submits to DEC an annual report on recycling efforts that battery manufacturers are required to provide by law. Between 2017 and 2020, C2R said it collected 996,149 pounds of rechargeable batteries – mostly nickel-cadmium, followed by sealed lead, lithium-ion and nickel metal hydride.

DiNapoli’s audit found that outside of C2R’s efforts, the DEC has no independent knowledge of whether rechargeable batteries are recycled in New York City as required by law or how much is recycled. The agency also pays little heed to the annual reports that C2R submits on behalf of manufacturers.

C2R’s 2020 report lists 189 manufacturers in its recycling program that sell rechargeable batteries in the state. In 2014, he gave DEC a list of 75 manufacturers who weren’t in the program and who might not have complied with the law. DEC sent letters that resulted in 25 joining the program, but has taken no action since then to verify the remaining 50 manufacturers.

In 2021, C2R sent DEC a list of the top 10 manufacturers not in its recycling program, but the agency took no action on it. Auditors were able to reach seven of the manufacturers who each said they did not have a recycling program. Two of them are large companies with over 14,000 employees and $5 billion in revenue.

In September 2021, there were 911 outlets in the C2R program. Auditors checked 30 of them and found that five did not know they were registered with the rechargeable battery collection and recycling program and three did not have a collection bin. There are at least 1,248 additional retailers who may be subject to the law but are either not in the program or have not implemented an alternative means of battery collection and recycling. Auditors checked with 72 of them and found that a large majority (69%) had no collection bins for consumers.

Because it does not verify whether manufacturers and retailers are following the law, DEC has not issued a single fine or penalty since the law was passed. Violators of the law can face fines of $50 to $200 for consumers, $200 to $500 for retailers, and $2,000 to $5,000 for manufacturers.

The DEC is required by law to analyze the information it obtains from C2R and its own monitoring efforts, and report every two years to the Legislative Assembly and the Executive Branch. He never submitted a report.

The use of rechargeable batteries will continue to grow, including those powering electric vehicles, not covered by the law. A law passed in September 2021 requires that by 2035, all new cars and trucks sold in New York will be zero emissions. Rechargeable vehicle batteries pose the same threats to the environment and human health as batteries that must be recycled by law. The growing use of batteries increases the urgency for DEC to meet its responsibilities under the law and demonstrate strict recycling oversight.

DiNapoli’s audit recommended that the DEC monitor, enforce and promote the recycling law and submit the biennial reports required by law.

In its response, the agency cited lack of resources for its inability to monitor or enforce the law. In 2018, it reported that seven employees spent 7% of their time overseeing the recycling of rechargeable batteries, rising to five employees spending 2% of their time in August 2021. Employees are also responsible for overseeing the proper disposal of electronic waste, mercury-based products and toxins in packaging. The agency’s full answer is in the audit.

Department of Environmental Conservation, Monitoring and Rechargeable Battery Enforcement

Track state and local government spending on Open Book New York. As part of State Comptroller DiNapoli’s open data initiative, search millions of state and local government financial records, track state contracts, and find frequently requested data.

Knicks trade Alec Burks, Nerlens Noel to Pistons to free up space for Jalen Brunson pursuit, report says


Last week on draft night, the New York Knicks traded Kemba Walker and No. 13 pick (Jalen Duren) to the Detroit Pistons in exchange for a future first-round pick. Now, days later, the two sides have come together to strike another deal.

This time, the Knicks will send Alec Burks, Nerlens Noel, two future second-round picks and $6 million in cash to the Pistons to free up more space for their pursuit of Jalen Brunson, by Adrian Wojnarowski. The Pistons will not return any players to the Knicks as part of the deal.

By moving Burks and Noel, the Knicks will be able to wipe an additional $19 million off their books. Combined with the money paid in trading Walker, they now have around $30 million in cap space this summer, which will be more than enough for them. offer Brunson a deal worth $100 million over four years.

Early Tuesday, several reports suggested that Knicks are now favorites to sign Brunson. They hired his father as an assistant coach, worked to free up space and will now be able to make a competitive offer when free agency opens at 6 p.m. ET on June 30. With the Mavericks better prepared for immediate success, Brunson will be able to take on a new challenge in New York and also play a bigger role on offense.

It’s also worth noting that because the Knicks now have the cap space to sign Brunson, the Mavericks’ chances of saving the day by working out a sign and trade have been significantly reduced. As things stand, the Mavs stand to lose Brunson for nothing, which will be a blow to their hopes of making another playoff run next season.

As for the Pistons, this deal also impacts their summer plans. While reports after their successful project suggested they wouldn’t pursue Deandre Ayton again, there was still a chance they could go down that road. Now they are officially out of those draws. Instead, they’ll be happy to use their cap space to absorb expiring contracts and add asset projects in the process. Veterans like Burks and Noel can help set an example for their young team this season, and may even be knocked down at the deadline. Otherwise, they’ll expire next summer and the Pistons will have plenty of cap space to work from again.

Electricity exchanges between Ukraine and the EU will start on June 30 – network operator

LONDON, June 28 (Reuters)Electricity exchanges between Ukraine and the European Union will begin on Thursday, the European Network of Electricity Transmission Operators (ENTSO-E) announced on Tuesday.

The EU and Ukraine linked their power grids on March 16 in response to the Russian invasion, allowing Ukraine to receive emergency power from Europe if military attacks caused blackouts.

The emergency link – which was completed in a few weeks, initially planned for 2023 – did not include a commercial exchange of electricity because certain technical conditions had to be met.

These conditions are now met to enable the first phase of electricity trade between Ukraine and neighboring countries, ENTSO-E said.

Electricity trade with the Ukrainian and Moldovan power grids will start on the interconnection between Ukraine and Romania.

Electricity exchanges on the other interconnections (Ukraine-Slovakia, Ukraine-Hungary and Moldova-Romania) should follow later. Total commercial capacity will initially be set at 100 megawatts in the first phase.

“After this initial phase, a gradual increase in commercial capacity will be regularly assessed based on power system stability and security considerations,” ENTSO-E said.

Expanding power trade with Europe could boost cash flow for Ukrainian utilities hit by a drop in domestic power since the Russian invasion, while providing more power to the 27-nation European Union as it grapples with a cut in gas supplies from Russia.

(Reporting by Nina Chestney Editing by Bernadette Baum)

(([email protected]; +44 (0) 020 7513 5674; Reuters messaging: [email protected]; Twitter: https://twitter.com/NinaChestney))

The views and opinions expressed herein are the views and opinions of the author and do not necessarily reflect those of Nasdaq, Inc.

The best things to do in San Antonio


Conference: In collaboration with “Tony Parker’s Heroes and Villains”, the San Antonio Museum of Art will present a lecture entitled “Super Macho: Superheroes and Stage Genre” by Alejo Benedetti, Associate Curator of Contemporary Art at the Crystal Bridges Museum of American Art. Benedetti curated the traveling exhibition “Men of Steel, Women of Wonder” which was at SAMA in 2019. 6 p.m. Tuesday, San Antonio Museum of Art, 200 W. Jones Ave. Free – $10 (pay what you want), samuseum.org.

Television: Hill Country DIY expert April Wilkerson is once again teaming up with ‘Home Improvement’ stars Tim Allen and Richard Karn for a show on the History Channel. The trio, who co-hosted the competition series “Assembly Required” last year, are reuniting for a new series, “More power.” The show traces the history of tools and the lives of those who use them. Premieres Wednesday at 9 p.m., on History Channel.

Book signing: Anne Elise Urrutia will be signing copies of her book “Miraflores: San Antonio’s Mexican Garden of Memory.” This is the sculpture garden that his great-grandfather, Dr. Aureliano Urrutia, created near the intersection of Hildebrand Avenue and Broadway. The garden is now part of Brackenridge Park. 5:30 p.m. Thursday, The Twig Book Shop, 306 Pearl Parkway, Suite 106. Free, thetwig.com.

Film: Attention, “Bridgerton” fans. “Mr. Malcolm’s List”, a period romantic comedy somewhat indebted to “Pride and Prejudice,” is your cup of tea. The cast includes Sope Dirisu, star of the British TV series ‘Gangs of London’, and Zawe Ashton, who will also appear in the upcoming superhero film ‘The Marvels’.Release Friday in theaters.

Poetry: Guadalupe Latino Bookstore and Gift Shop’s Texas Author Series continues with readings by two poets. Claudia Castro Luna read and discuss her new collection, “Cipota Under the Moon”, and Irene Lara Silva will read and discuss his “Hibiscus Tacos” chapbook. 6:00 p.m. Friday, Guadalupe Latino Bookstore and Gift Shop, 1301 Guadalupe St. Free. Information, guadalupeculturalarts.org.

Editor’s Note: This column has been updated to correct the relationship between Elise Urrutia and Dr. Aureliano Urrutia.

[email protected] | Twitter: @en_salife

12 Bay Area Bookstores We Love


From quirky in-store events and downloadable Zoom backgrounds to a curated fictional delivery service and Mergatroid, the apple-and-book-front mascot, this legendary store oozes fantasy. Customers wandering Green Apple’s maze of new and used books will also find CDs and LPs, and even the occasional couple getting engaged. Another location exists near Golden Gate Park. San Francisco




Seventy years ago, poet Lawrence Ferlinghetti co-founded City Lights Booksellers, the country’s first all-pocket bookstore. Its publishing arm brought Allen Ginsberg Howl and other poems to readers in 1956, putting the Beats on the map. Locals and pilgrims alike still flock to the historic flat-iron building to nestle in the iconic poetry room and read rebellious works, old and new. San Francisco




In November, a trio of veterans from City Lights, Dog Eared Books and Nomadic Press took over this Mission neighborhood storefront to create a “Cure for Colonial Nightmares.” The light-drenched bookstore and gallery focus Black, Indigenous, and POC voices and favor playful labels like “The kind of music your Abuelita would get mad at you for listening to.” San Francisco




In the crazy bay area of ​​comic books, Isotope stands out. The shop features pop art style red and white leather sofas and a display of picture toilet seats. Located in the Hayes Valley building where disco legend Sylvester used to host his parties, Isotope offers new comics, graphic novels, hand-bound mini-comics and events. San Francisco


Omnivore Books feeds a food-obsessed Bay Area audience. In the bright, cozy, culinary-themed space, owner Celia Sack delivers vintage, old-world, and modern food and drink titles, including local and international voiceovers. Chefs, home cooks and foodies can enjoy a healthy menu of signature events. San Francisco


Beneath the distinctive red and white canopy and photos immortalizing legendary radical and co-founder Moe Moskowitz, customers are now greeted by daughter and current owner Doris. Moe’s Books, called “one of America’s finest” by the New York Timesoffers 200,000 new and used titles, including rare books in a room on the fourth floor. Berkeley


Anchor of a black business collective, this one-room bookstore features a well-curated reading room with armchairs, black art, and vintage vinyl. The small team that runs the Oakland Collective brings black literature to the people by throwing book giveaways; create partnerships with schools, hospitals and farmers’ markets; and organizing Read Drink Chill events with its on-site chef and mixologist. Oakland


In 1851, Bavarian immigrant Anton Roman used his gold rush riches to fund a business selling and publishing books. Although it lost a location to the 1906 earthquake and is no longer in the publishing game, Books Inc. remains the oldest independent bookseller in the West. In addition to its popular Palo Alto location, Books Inc. has nine other stores in the Bay Area and offers community services such as Queer Teen Book Club and Bilingual Storytime. Palo Alto


For 46 years, readers, writers and even former US presidents have made Book Passage a literary destination in North Bay. The spacious layout of the Corte Madera boutique houses local, national and international titles as well as gift items, a café and meeting space. With 800 annual events and writer’s courses, like its Travel Writers & Photographers and Mystery Writers conferences, Book Passage is perhaps “the most vibrant bookstore in the Bay Area.” Discover its second outpost, located in the Ferry Building in San Francisco. Corte Madera




Founded by peace activist Roy Kepler, this Silicon Valley bookstore was a hub for counterculture figures like Joan Baez and the Grateful Dead. Kepler’s legacy as a leader of the paperback revolution of the 1950s and 1960s was kept alive with literary events and programs providing books to underserved local schools. Menlo Park


Community loyalty matters at this 30-year-old bookstore. Co-founder
Andy Weinberger’s Gem of Wine Country spotlights fiction, cookbooks,
children’s books and readings by local authors like Ada Limón, his first employee at 15. Sonoma


Traveling to West Marin means hiking, good food, and a visit to Point Reyes Books. Stephen Sparks and his wife Molly Parent, owners since 2017, honor the store’s environmental heritage while offering poetry, fiction and readings, including virtual ones. Point Reyes Station


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Book Review – The Ambuja Story: How a Group of Ordinary Men Created an Extraordinary Business by Narotam Sekhsaria


By Nupur Pavan Bang

Book: The Ambuja Story: How a Group of Ordinary Men Created an Extraordinary Business
Author: Narotam Sekhsaria
Price: 699/-
Pages: 368
Year: 2022
Publisher: Harper Business, India

Efficiency is the name of the game: Once upon a time there was a boy named Narotam. He was born into a Marwari family in Chirawa, Rajasthan. His family took him to Bombay (now Mumbai) when he was three years old. There he was adopted by his grandfather’s younger brother who had no son of his own. This practice was a means of ensuring lineage continuity in a patrilineal society. Fate had plans for him. This is his story and that of the company he built.

Ordinary is relative

Narotam and his family were ordinary. Ordinary compared to the Bajaj who were their neighbors. But living in the same building as the Bajajs, who owned and managed one of the largest business houses in the country then and now, certainly can’t be ordinary. Likewise, Narotam had an ordinary upbringing. A boy next door. He struggled in school but finished first in the class. Was aimless and unambitious but went on to study in some of the best colleges in Bombay.

Entering the civil service or landing a job in a bank or a multinational was the dream career for those entering the labor market in India in the 1960s and 1970s. This is not the case for a boy growing up in a Marwari house. Working for someone else was unthinkable. So he joined the typical cotton trading family business. It has proven itself in various ways. Whether it was getting orders from Finlay, having the foresight to buy more for his client when prices started to rise and the client was on vacation, being fair even when he would have been able to earn a lot more money, and to earn, maintain and exploit social networks, manifested in the way he operated. Nothing he did was extraordinary. Just ordinary things done right to achieve extraordinary results.

Greater shores beckoned

Narotam’s “dil” wanted more. Forty years ago, entrepreneurship was not a buzzword. Or the ease of doing business. Ambuja’s story is not the usual startup story we are used to reading in the 21st century.

Narotam grew up in a family of traders. The DNA required for manufacturing is very different from commercial DNA. After spending a decade as a trader himself, setting up a manufacturing unit for a commodity he knew nothing about, shouldn’t have been easy. And it wasn’t. The book highlights the vulnerabilities and many uncertainties facing the Founder. It also shows how he adapted every step of the way. He recruited the best, treated them with respect and retained them. Did not compromise on the quality of the factory, although it trusted newcomers rather than established players. Financial management, credit policy and high ethical standards were all consciously incorporated into the creation of Ambuja. While there are many lessons learned from history, the three I would like to highlight here are efficiency, innovation, and brand building.

Efficiency: Cement is a commodity. There is little room to differentiate the product itself. But there’s plenty of room to differentiate efficiency. Process efficiencies, adjusting factories to improve productivity, dust management systems and ensuring that everyone does their job well are just a few examples. The company has efficiency written all over it.

Innovation: Innovation does not mean using artificial intelligence and machine learning to solve problems only with digital solutions. Innovating, doing things differently, to find better or more cost-effective solutions such as transporting cement by sea when no one else was doing it in India, and making small changes to factories to achieve a big impact, has played an important role in Ambuja’s profitability. From the very beginning.

Branding: In a product where it was difficult to charge a premium, investing in building the brand early on, as if it were a consumer product, helped Ambuja gain traction even in presence of existing giants. Ambuja continued to build and improvise on its brand image as it grew. The results were all too visible.

Values ​​and responsibility

Being born into a Marwari family, I have often heard of and witnessed philanthropy without anyone knowing. The left hand should not know if the right hand gives. Such beliefs leave an indelible mark on everyone. It was no different for Narotam. He writes how values ​​and spirituality kept him “calm and centered even in the most turbulent times. The values ​​of ethics and compassion he [his father] taught me has guided me in everything I have done in my career” (page 134). The Ambuja Cement Foundation has been far ahead of its time in embracing impactful corporate social responsibility projects and transforming the lives of the communities around which it operates and reaching beyond those communities. Resilience

An entrepreneur starts when he spots an opportunity. But the time at which he should go out is also important. Quitting doesn’t just mean selling the business. It could also mean redefining the role of the founder to ensure continuity beyond him. The confidence that the business would survive beyond the founder is what makes it enduring. Even without planning it, Narotam had built a business that didn’t need him on a daily basis when he had cancer.


There are many books on industrialists and entrepreneurs. Few of them go into so much detail regarding the process of thinking about every aspect of starting and running the business. This book is focused on building Ambuja, easy to read, comprehensive, and describes the trials, turbulence, and triumphs at every stage.

The author is Associate Director, Thomas Schmidheiny Center for Family Enterprise, Indian School of Business. Can be contacted at [email protected] The opinions expressed are personal and do not reflect the official position or policy of Financial Express Online. Reproduction of this content without permission is prohibited.Ibitten.

Why BankUnited delivers value – GuruFocus.com

I came across BankUnited Inc. (BKU, Financial) while using the GuruFocus All-in-One Screener while looking for banks whose return on equity exceeds their price-earnings ratio. BankUnited meets these criteria.

After exploring the company further and reading reviews from Royce Investment Partners, I liked what I saw and have since purchased shares. Here are my notes.

BankUnited, with total assets of $36.3 billion as of March 31, is a bank holding company. Through its subsidiary, BankUnited, National Association, it offers a full range of personal and business banking services through 62 banking centers in 12 counties in Florida and four banking centers in New York.

The Company’s lending products include small business loans, commercial real estate loans, equipment loans and leases, term loans, formula loans, municipal loans and leases, commercial lines of credit , letters of credit and consumer loans. Its deposit products include checking accounts, money market deposit accounts, savings accounts and certificates of deposit. The bank provides commercial and municipal equipment and franchise financing, using both loan and lease structures.

An overview of BankUnited’s balance sheet is shown below,

Miles Lewis of Royce Investment Partners commented on BankUnited in November 2021. At the time, the stock was trading around $40. It has gone down since then and is arguably now a better value. He said:

“One of the companies that we really like right now is a company called United Bank . They’re what we’re looking for in terms of what we like about a bank, which is they’re in the state of Florida, which is a very attractive growth market. This means there is population growth there, businesses being created, and it means opportunities for local, community and regional banks to make loans and collect deposits. They have a higher cost of funding than many of their peers, and because of that they have lower margins and lower returns on assets and equity. And we think they are improving their funding cost significantly over time. They have made a very conscientious effort to attract new customers, bringing with them their low-cost trading accounts and deposits, and over time, as that cost of funding goes down, margins will go up. The final reason we like BankUnited is because we believe that, given their scarcity value in Florida’s most attractive market, they’ll likely be a take-out candidate for a bigger bank at some point. .”

More recently,

chuck royce (Trades, Portfolio) noted when discussing his company’s high confidence holdings:

“Another area we are very interested in is banking. This was not historically something the business was strong in. But I was convinced, with the help of Miles Lewis, that properly screened banks can be an extraordinary opportunity. United Bank is a great example. It is located in Florida. They have a scale. These are the ones that other banks want to beat. And they are the ones that could potentially be taken over by other regional banks. They’re growing, they’ve got great management, they’ve got great capital allocation, they’re buying their own stocks, and they’re expanding into adjacent areas. Florida is experiencing population growth. It is very important in the banking world to really understand the underlying growth dynamics. And many banks have no growth momentum; they simply participate in the financial community. We’ve chosen to say, overall, that our banks will be in growth areas, and that’s a great example.”

BankUnited is trading close to its book value. The book value per share has been steadily increasing at around 8% per year and the price/earnings ratio is around 9.


Other metrics that I consider relevant for banks, such as median return on equity and return on assets, also look good.





ROE % (10 years


ROE % (5 years



ROA % (5 years



P/E ratio


Shiller PE


PB report

Growth of the book over 10 years

Rate (per share)


Bank United Inc.






12:41 p.m.




8:20 am


I use a modified version of Graham’s number to rate banks. The formula I use is: fair value = (current stock price / Shiller PER ratio) * (8.5 + 1.5 * 5-year accounting growth rate (per share))

The first part of the formula (current stock price divided by Shiller’s PE ratio) yields normalized earnings per share.

The second part of the formula (8.5 + 1.5 * 5-year book growth rate (per share) provides the growth factor. The 8.5 represents the price-to-book ratio of a banking firm with no known no growth.Each percentage growth over the last five years is given a weight of 1.5 and added to 8.5.This gives us the growth factor, which is then multiplied by the normalized earnings per share that we have obtained in the first part of the formula Note: I use the five-year book value growth rate for banks instead of earnings growth because I find earnings growth can be erratic and growth The book value is more stable for banks and gives a better representation of growth.The fair value in this case is $62.43, which is much higher than the current price of $36.23. This is a large margin of safety.

The conventional Graham value is also quite good at $56.28. Conventional Graham Value is a conservative valuation approach that measures a stock’s fundamental value by considering the company’s earnings per share and tangible book value per share. It is calculated as Graham’s number = square root of 22.5 * trailing 12 month EPS * book value per share. The 22.5 is included in the formula as a general rule to account for Graham’s assumption that the price-to-earnings ratio should not exceed 15 and the price-to-book ratio should not exceed 1.5 for a stock undervalued. Graham’s number is the upper limit of the price range a defensive investor should pay for a stock. According to this theory, any stock price below Graham’s number is considered undervalued and therefore worth investing in. Currently, there is a 35% margin of safety even below Graham’s value.

The stock also looks undervalued on a price and five-year midpoint basis, pointing to a value above $40.


On a price-earnings basis against similar regional banks, the stock also appears undervalued.

(USD in millions except fair price)
Market capitalization (USD million) Trailing P/E PER before
Bank United Inc 2963 7.7x 6.7x
Bancorp Investors Inc 3454 11x 10.2x
Texas Capital Bancshares Inc. 2731 12.3x 9.8x
Sterling Bancorp 5066 12.5x 11.5x
Wintrust Financial Corp. 4972 11.3x 9.5x
ETF Corp 3922 10.7x 8.7x
UMB financial company 4262 11.6x 11.3x
PacWest Bancorp 3226 5.6x 4.8x
Umpqua Holdings Corp. 3757 9.3x 8.8x
Ozk Bank 4580 8.1x 7.4x
Industry median 10.9x 9.2x
Profit after taxes 383
441 Net value 4160
4034 (/) Outstanding shares 82
82 Right price 51


Dividends and redemptions

While the dividend yield is mediocre at 2.6%, the bank is focused on share buybacks and has a three-year share buyback ratio of 4.8%. The dividend and redemptions generate an excellent shareholder return of 7.4%. I expect redemptions to continue as the stock is undervalued.


Dividend yield (TTM) %


Dividend yield (forward) %


Dividend payout ratio


Dividend growth (5 years) %


Return on cost (5 years) %


Division continues. since




So why should you consider this stock?

While the US economy is expected to slow next year, South Florida’s economy is expected to remain strong. Florida has strong demographic tailwinds due to its warm climate and strong business prospects. The state is a major retirement destination for the wealthy and tourists. He is experiencing strong tailwinds of pent-up demand from Covid lockdowns which will continue as people prioritize their happiness. This should create solid business momentum for years to come.

BankUnited is also undervalued on a variety of metrics as noted above and is shareholder friendly with strong returns through dividends and buyouts. As Royce Investment Partners pointed out, BankUnited is also an attractive acquisition candidate for a large bank looking to expand into the attractive region. If that happens, it could quickly crystallize value. A redemption price, if it comes, could be in the range of $50.

Bette Howland, forgotten author, in the spotlight with Things Come and Go

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In 2015, Brigid Hughes, editor of A Public Space, was browsing a sales rack at the Housing Works bookstore in Manhattan when she came across a memoir titled “W-3.” She was struck by the lively voice of the work and surprised that she had never heard of its author, Bette Howland.

Howland, in fact, had a storied past. She had worked in small magazines, studied at the Iowa Writers’ Workshop, and had a long flirtatious correspondence with Saul Bellow, whom she had met at a writers’ conference when she was 24 and he had almost double that. She posted “W-3,” a candid recollection of her time in a psychiatric hospital, in 1974. Years earlier, as a single mother of two, Howland had attempted suicide in Bellow’s apartment while that he was out of town. In 1978, she published her second book, the collection Blue in Chicago,” which won him a Guggenheim Fellowship. His third, “Things to Come and Go” (1983), helped her secure a MacArthur Foundation “Genius” Fellowship the following year.

After that? Decades of silence.

Hughes set out to find Howland, and did – only to learn from his son Jacob that the 77-year-old writer wouldn’t be able to talk to him. The previous year, she had been hit by a truck on her way home from the grocery store. Already suffering from multiple sclerosis and dementia, Howland lost her ability to communicate: “His words scatter like vegetables bouncing on the asphalt. his son later wrote.

Two new books bring Lucia Berlin back to life

Thus began Hughes’ mission to save Howland’s work from obscurity. In 2019, two years after Howland’s death at age 80, A Public Space reissued Howland’s “Calm sea and prosperous voyage”, a collection combining memoirs, essays and fiction published for the first time in TriQuarterly. Last year came out a new edition of “W-3”, and now we have a new edition of “Things Come and Go”, a thin volume containing three long and exuberant short stories.

As in the case of Lucia Berlin – a late and little-known author who won over a new generation of fans when her stories were republished as “A Handbook for Housekeepers” in 2015 – growing interest in Bette Howland’s work was aided by her son. Jacob Howland has written and spoken about his mother’s work and her lifelong depression in Commentary and elsewhere, sharing his suspicions that winning the MacArthur Fellowship in 1984 had “sapped her confidence”. It would be an understatement to say it’s a shame.

As Rumaan Alam points out in his introduction to “Things to Come and Go”, the strength of Howland’s work lies in the warmth and liveliness of his very personal voice. “She’s good company, cracking up on everything and everyone she sees.” Yes she is. But beneath the brilliant pattern and eye-catching descriptions, each story has sadness at its heart.

Who was Vivian Maier? A new book explores the inspired life of the nanny with a secret gift for photography.

In the collection’s first story, “Birds of a Feather,” a young first-person narrator dumps the dirt on her father’s family, first-generation working-class Jews – “the big yak-yakking copper Abarbanels “. The men are tall, swarthy and “manly pockmarked”, with “palpable noses” and when the women walk down the street, their arms tied, handbags dangling, “three pairs of hips upheld their skirts like sofas under the sheets”. (Howland was Jewish.)

While there’s plenty of action, there’s no overarching plot – the story is essentially a series of gossipy anecdotes and sassy character sketches. From her Uncle Reuben’s wife, Luellen: “What she loved was lying on the bed with her feet up – ten frosty pink toenails – smoking and reading confessional magazines.”

Of her “very handsome” boyfriend Donny: “He had that kind of curly grape-like hair that statues have, and his nose also looked like that of a statue; broken.

From her unmarried aunt Honey: “Honey’s hair was red these days, medicinal red, the color of the cough syrup on the shelves at Dykstra; her face was as powdered and prickly as the vaccination mark on her arm.

Even when bad things happen — deaths, breakups, bad behavior — the emotional tone remains pleasant and even. These “birds of a feather” may be related by blood and likeness, but what about love? Essayist Johanna Kaplan, who reviewed the book when it was released in 1983, called “Birds of a Feather” a story of “terrifying emotional coldness.” Very well hidden, however, behind a flood of energetic narration.

The second story, “The Old Wheeze”, revolves around the problem of love in a different way, introducing four characters and taking their points of view in turn. Mrs. Cheatham is an older black woman who works as a babysitter for a little boy named Mark. Her single mother, Sydney, is dating a much older man named Leo, who brings Mrs. Cheatham home at the end of those evenings.

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Lonely Mrs. Cheatham is troubled by Leo’s attempts to flirt with her and bond with her during their journeys. Eventually, she understands – he must be a liberal. This explains that. Sydney is intimidated by Mrs Cheatham and by motherhood in general. “She loved [Mark] recklessly, sometimes frantically – hugging him like she was his life, his breath, and she could barely catch him. Yet, deep in her heart, she suspected that almost anyone would be better at their job, more skilled, than she was. Her relationship with Leo, a professor at the college she attends, came about following the breakdown of her first marriage, and although she had focused her hopes of happiness on him, she sees that he does not love her. only because she is pretty and young.

The final story, “The Life You Gave Me”, also revolves around an imperfect parent-child bond. A woman flew to Florida to see her father after surgery. They say he’ll be fine, but she knows the reprieve is temporary; there was another health scare 10 years ago, and – “Well? What are we waiting for? We know what’s coming, don’t we?” With the inevitable loss stares her in the face, there are things she should say but doesn’t know if she’ll find the words and isn’t ready to let it go.

The narrator distracts herself from the angst of the immediate situation with meditations on her father’s life and character, and observations on Florida’s climate and landscape. “South Florida builders are like God in the universe. Their work is everywhere, but they are nowhere to be found. They move on, leaving the Gardens of Eden everywhere, and nothing quite finished.

Perhaps the same could be said of Bette Howland.

Marion Winik, a professor at the University of Baltimore, is the author of numerous books, including “First comes love” “The Big Book of the Deadand, more recently,Above us only the sky.”

A public space. 156 pages. Paperback, $16.95

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