With Gareth Exton, Head of Execution & Quantitative Services Distribution (EMEA) at Liquidnet.
Just over six months after the UK left the EU, and with equivalence now officially off the table, the UK and EU do seem somewhat aligned on their overall objectives for financial markets, but are pursuing markedly different paths towards achieving those objectives.
How will this impact liquidity formation in UK and Europe, particularly in the equities markets?
In this Q&A with TradingTech Insight, Gareth Exton, Head of Execution & Quantitative Services Distribution (EMEA) at Liquidnet, discusses the post-Brexit liquidity landscape, and what the future might hold.
Liquidnet recently published a report on the European Liquidity Landscape, and one of the topics covered was the UK’s suspension of the share trading obligation (STO) and the double volume caps (DVCs). What is the impact of this?
Looking at the DVCs first, it’s not controversial to say that they haven’t been embraced by the industry. They were always a bit of a blunt tool to try and drive more trading on exchange, so removing them has been welcomed, particularly for UK stocks.
What we are hearing from EU asset managers though, particularly following the ESMA RTS1 & RTS2 consultation paper published at the end of last week, is that those firms may be disadvantaged in terms of liquidity to which they have access.
In terms of impact, 14.3% of UK stock volume is now trading in dark venues, compared to just 6.5% for EU, so that tells its own story.
With the STO suspension, the question is, will UK and international asset managers take advantage of the opportunity to trade EU stocks on UK venues? There are some technical challenges there, which brokers and exchanges will need to navigate before that happens.
Some buy side firms are also nervous about going against the spirit of the STO in EU names. Do I want to potentially affect my relationship with an EU regulator by actively trading EU securities outside of the EU?
That whole area is going to take some time to shake out. For example, Liquidnet currently doesn’t have any EU stocks listed on its UK entity, they’re only listed on the EU entity. And at the moment, we have no plans to relist those securities back on to the UK. But it’s something that we’re looking at and considering from a technology perspective and indeed whether our clients actually want us to do it.
You mentioned the technical challenges of trading EU stocks on UK venues. What are those challenges?
Well, you’ve got two different LIS (large in scale) thresholds, the FCA’s and ESMA’s, so how do you work out exactly which one to use? How do you bring together your counterparties, considering where they’re based, and whether or not they can trade those names? What if you have an EU entity that you are not able to match with an American asset manager, for example? The system has to be aware of where people are and who wants to do what. There’s a lot of plumbing that needs to go into that —who can face off against whom, what legal entity do they face, and what jurisdiction do they fall under?
It all gets a little bit messy, and it’s the edge cases where you can get tripped up.
The UK is currently allowing dark trading to an average of 15% of overall market volumes. How hard a limit is that and do you think it will increase, given the appetite for dark trading in the UK?
I’m not sure how hard a limit it is. I think that 15% is just a number that they felt was appropriate based on historic trends. As we push beyond that, I expect it will drift upwards. But that’s just a guess.
Actually, if you include OTC and some SI activity, as opposed to just on exchange trading, then that 15% goes down to 6%-7%, so it all depends on what you include. I think there are other things for the regulators to focus on, to be perfectly honest, such as transparency and market data charges, for example. Our buy side clients just want the regulators to let them get on with trading where they want to trade.
Another topic you discuss in your report is the consolidated tape. This is a saga that seems to have been ongoing for years. What do you think should be included in this consolidated tape now that Brexit has happened? Just EU stocks? UK stocks? And should it include pre-trade or just post-trade activity? How consolidated should the consolidated tape be?
You’re right, we’ve been talking about it for a long time, I seem to remember talking about it when I came into the industry maybe 16 years ago, around the time of MiFID I, and we’re still not there yet.
My personal view is that they should concentrate on the post-trade consolidated tape rather than pre-trade. And we’ve said this to regulators. Post trade is where most people will get bang for their buck. We discuss these issues in our report.
The post-trade consolidated tape should be able to show, for example, the volume in Vodafone, between 10 o’clock and 11 o’clock, and if you asked ten brokers, you’d get the same number. That’s hugely important because if you asked that question today, you’d probably get eight or nine different answers.
And it will need to happen on both sides of the channel. It’s one of the major focuses for the EU, and the UK’s wholesale review also made it clear that they want to see a consolidated tape, although they’re not clear on whether it should be publicly or privately run.
We’re at the point now where it’s more likely to happen than it ever has been. There’s a real push now. But what should be included? Regulators need to start in a manageable way and not try and bite off more than they can chew, just keeping it to what is on-exchange addressable and non-addressable liquidity for vanilla single stocks. Otherwise, they will still be going through this for many years to come.
If they start going down the pre-trade route, it’s going to take a lot longer to do. And then what you’re potentially going to have is an arbitrage of those using the consolidated pre-trade tape and those building their own. That’s not what the industry is asking for. Post-trade is, and it would fix a lot of issues around analysing where the liquidity is. What did I participate in? What did I not? What liquidity did I miss? Being able to see that and have proper metrics around participation rates would help massively, that’s where the need is.
Another topic discussed in your report was the suggestion for new types of trading venues for small & mid-caps. What might those venues look like and how would they fit into the overall trading landscape?
I haven’t seen any specific proposals, but we actually do a lot of small and mid-cap trading on our platform, mid-cap in particular. It’s somewhat of a sweet spot for us because it’s often those hard to trade names where people are looking for liquidity.
I expect what they’ll be doing with these SME venues will be more around incentivization of liquidity, trying to create some kind of space for the different liquidity providers to come in, rather than it just being asset manager to asset manager. A more appealing place for market makers and new issuers to come together.
That could be through a different fee structure, or providing some kind of incentives around how you interact with other participants. At the moment, you don’t necessarily want to interact with a market maker on a dark MTF in a small or mid cap because you don’t know what’s happening there, so you go down the sales trader route, and that can lead to is information leakage. But in terms of the mechanism, I’m not really sure which way they’re going to go.
Finally, how has the cost of trading changed since Brexit?
Trading volumes and volatility levels seem to be back now to where they were pre-pandemic. As a result, spreads have narrowed, and the cost of trading has reduced, compared to this time last year.
Those levels came back a lot quicker than we thought they would. When we were looking at this back in June and July last year, we had a look at what happened to the VIX after 2008/2009, and it took almost four years to get back to normal levels, whereas this time, we have a much sharper return to lower volatility levels. That’s been quite interesting to see.
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Valad Europe, the multi-let real estate investment manager, announces the disposal of Keulschevaart 17, a 2,000 m² industrial and office building, in Breukelen to owner/occupier Nika Holding B.V., a company specializing in concrete repairs. The disposal was completed on behalf of Valad Europe's EHI fund.
Keulschevaart 17 is situated next to the A2 motorway between Amsterdam and Utrecht and comprises ground floor warehouse space and first floor office units. The asset was vacant prior to the purchase by Nika Holding.
Mark McLaughlin, Valad Europe's Head of Benelux, commented: "The ability to trade assets in difficult markets where very few transactions are taking place is an extremely important component of Valad's strategy. The disposal of Keulschevaart 17 is an excellent example of us leveraging the expertise of our local team to find a suitable purchaser for a vacant building."
Statement Real Estate acted on behalf of Valad Europe.


The sixth edition of "State of the World's Forests" presents a global picture of the forest sector and the latest information on activities and developments. Contributions highlight challenges and opportunities related to some of today's key emerging issues. The theme of the 2005 edition - "realizing the economic benefits from forests" - recognizes that the economic viability of the forest sector is a prerequisite to safeguarding the environmental, social and cultural functions of the resource. Enhancing these functions is vital to the achievement of the United Nations Millennium Development Goals - not only to the goal of ensuring environmental sustainability, where the contribution of forests is obvious, but also to the goal of eradicating extreme poverty and hunger. "State of the World's Forests 2005" will provide policy-makers, foresters, academics and other interested readers with the most up-to-date information and views on emerging issues in the sector today.


ford motor co (F) Key Developments
Ford Motor Co. Reports US Sales Results for the Month and Year to Date Ended July 2015
Aug 3 15
Ford Motor Co. reported US sales results for the month and year to date ended July 2015. For the month, the company reported total vehicles sales of 222,731 compared to 212,236 a year ago.
For the year to date ended July 2015, the company reported total vehicles sales of 1,516,352 compared to 1,482,268 a year ago.
Ford Asia-Pacific Announces Earnings Results for the Second Quarter of 2015; Provides Earnings Guidance for 2015
Jul 29 15
Ford Asia-Pacific announced earnings results for the second quarter of 2015. In the second quarter, It saw a year-on-year pre-tax increase, from USD 159 million in 2014 to USD 192 million in second quarter of 2015. Wholesale deliveries decreased, however, by 3.6% and revenue decreased 17.2%. Operating margin for the quarter, however, increased to 7.8%.
Ford projects higher pre-tax profits for the region in 2015 overall.
Ford Middle East and Africa Announces Earnings Results for the Second Quarter of 2015
Jul 29 15
Ford Middle East and Africa announced earnings results for the second quarter of 2015. Pre-tax results declined 300% year-on-year in the second quarter. Wholesale deliveries declined 10.2% and revenues dropped 18.2%. It saw operating margin drop dramatically compared with a year earlier; second-quarter 2015 saw an operating margin loss of 5.1%, compared with margin of 2.0% a year earlier.
Ford Motor Co. Reports Earnings Results for the Second Quarter and Six Months Ended June 30, 2015; Confirms Earnings Guidance for the Year of 2015
Jul 28 15
Ford Motor Co. reported earnings results for the second quarter and six months ended June 30, 2015. For the quarter, the company reported net income attributable to the company of $1.885 billion compared to $1.311 billion a year ago. Revenue was $37.3 billion. Diluted EPS was $0.47. Pre-tax profit was $2.868 billion compared to $2.118 billion a year ago.
For the six months, the company reported net income attributable to the company of $2.809 billion compared to $2.300 billion a year ago. Diluted EPS was $0.70. Pre-tax profit was $4.273 billion compared to $3.377 billion a year ago.
The company confirmed 2015 pre-tax profit guidance of $8.5 billion to $9.5 billion, with higher Automotive revenue, operating margin and operating-related cash flow compared with 2014.
Federal Appeals Court Says Victims of Apartheid in South Africa Cannot Sue IBM Corp. and Ford Motor
Jul 28 15
Victims of apartheid in South Africa cannot sue IBM Corp. and Ford Motor Co. in New York because they cannot show that the companies' alleged offending behavior occurred in the United States, a federal appeals court said. The second U.S. Circuit Court of Appeals ruled against lawsuits brought 13 years ago against IBM and Ford. A three-judge panel cited a 2013 Supreme Court ruling severely limiting the legal reach of the 1789 Alien Tort Statute. The law was created in part to deal with piracy claims but in recent decades human rights lawyers have used it to pursue damages from individuals or companies alleged to have supported abuses around the world.


Travelling is more of a privilege than a luxury. There is no doubting that in order to have the chance to travel. You must be privileged in certain respects (having a first-world passport, for example), but this does not imply that you must be wealthy. Are you wondering how to travel for cheap? Whilst travelling the globe can seem incredibly expensive, it doesn’t always have to be. There are many alternatives to save a lot of money on the road.
How To Travel The World On A Budget
As you’ve read, there are several methods to travel for free overseas. You can travel a lot through couch surfing, woofing, hitchhiking, and leveraging your social network. We all have dreams of visiting Paris and seeing the Eiffel Tower. But in reality, these experiences are free. It only depends on how resourceful you are and how much you are ready to forego in order to get there.
How To Find Cheap Or Free Accommodation?
Stay In Hostels
You might not find it all that enticing to share a room with a bunch of unknown strangers, especially in light of the depressing portrayal of hostels in bad films like Hostel. But the truth is that staying in hostels is one of the finest ways to travel cheaply.
Hostels today are becoming more and more accommodating to the growing number of backpackers and budget travellers. To the point that sometimes their quality surpasses that of the antiquated, old hotels you frequently find in the city centre.
The days of squeaky bunk beds, limited privacy. And filthy rooms are long gone. Today’s hostels have contemporary, spotless furnishings, capsule-style mattresses, curtains. A free breakfast buffet, quick WiFi, and much more.
Hostels are popular among travellers who like to stroll around cities rather than rent cars. So you are assured to stay in a convenient area for a quarter of the cost of a hotel room. You’ll save even more money on transportation as a result.
The truth is that most of the money you spend on vacation is spent on lodging. And if you can save only a third of that cost each night, you’ll save a lot more money than if you try to cut costs in other areas.
Travel To Cheap Countries
You must make intelligent destination choices if your money is limited. Yes, I too would want to watch killer whales in Norway’s Fjords. But do you have any clue how pricey it is there? Consider purchasing a motorbike and travelling around India. Before choosing a nation. See what is feasible within your budget.
Asia is a great playground, and visiting this region is perhaps the most affordable way to see the globe. You get a lot for your money in nations like Nepal, India, Sri Lanka, Vietnam, and China. Central America is another undiscovered treasure for travellers on a budget. With wonderful locations like Guatemala, Nicaragua, and El Salvador that won’t break the bank. Learn more about it in my inexpensive locations throughout the world to visit. Find out how much a vacation to Thailand costs here, or see how much you can expect to spend on a budget trip to Bali.
How To Get Around Cheaply When Traveling?
Get On A Cheap Flight
A airline ticket is among the most expensive travel-related costs. But with so much competition in the travel sector today. Finding a fantastic airline price to a destination you wish to visit shouldn’t be difficult.
Keep an eye out for fantastic flight prices offered over the summer by airlines like RyanAir, WizzAir. And EasyJet in Europe, AirAsia and Lion Air in Asia, and JetBlue and Southwest in the US.
The easiest ways to search for inexpensive flights are to visit websites like Skyscanner or Expedia. Choose a desired destination, try selecting a full month as opposed to a specific day. And then choose the least expensive option.
The cheapest days to book your flight are often Tuesday and Wednesday. So be sure to keep an eye out for that when you are seeking to buy a ticket.
Take Public Transportation
Acting like a native and taking public transit is one of the cheapest and best methods to explore a new location. I recognise that learning a new city’s public transport system may be pretty complex at first, but once you get the hang of it, you will be able to go far and wide without spending a fortune.
If you’re in a major city, consider taking the mass transportation system’s trains to go around the area efficiently and affordably. They are frequently the simplest mode of transportation, therefore understanding them shouldn’t take too much time. They are also affordable, dependable, and effective.
Buses and trains are among of the most effective ways to travel big distances between cities on a budget and with the added benefit of seeing the countryside. If you take an evening bus as opposed to a daytime bus, you can further reduce your lodging costs.
Check out websites like Busbud.com (for Europe and South America) and 12Go (for Asia) before your trip if you want to avoid the hassle at the bus and railway stations and quickly purchase a ticket for a long-distance travel on a bus or a train.
Pick The Right Season
Popular travel destinations are drastically cheaper in the off-season. Think Italy in the winter, Hawaii and Florida in the summer, and SouthEast Asia during monsoon season.
Avoid travel while schools are out since costs will go up and businesses will try to take advantage of families who can only travel during these weeks. Find out when is the ideal to go to the place you want to go, and then depart shortly before or after these dates. You’ll still have a fantastic trip during this time, although the sun might not shine quite as brightly (on the good side, it won’t be nearly as hot). This time period is known as the “shoulder season.” In order to draw customers during this period, hotels and airlines reduce their pricing.
How To Eat Cheaply When Traveling?
Eat Like A Local
Trying all the street cuisine that can be found at night markets is one of the best parts of visiting destinations like Thailand and Taiwan. Local street food options are plentiful, frequently good, and best of all, they are quite inexpensive when compared to the same meal served in restaurants.
For instance, you might anticipate paying between 60 and 100 THB for one meal if you went into a posh restaurant in Thailand and ordered a Pad Thai. However, you would only spend 35 to 40 THB each dish if you went to the night markets where all the locals congregate, which is half what you would pay at a restaurant.
One of the easiest methods to reduce your food expenses when travelling and yet experience the local cuisine is to eat like a native. So, if you want to travel on a budget, be sure to stop by a local market and sample some of the food that the people there are eating.
You may also attempt hitchhiking if you’re seeking for a cost-free way to move around while you travel. I would advise you to only hitchhike in nations where doing so is accepted, such as New Zealand and Australia, or in regions with amiable residents and limited access to public transit, like Pakistan’s Karakoram Highway.
There are a few things you should know before you start hitchhiking since it’s a waiting game. First and foremost, ensure sure hitchhiking is permitted by the legislation. Especially while travelling overseas and unfamiliar with the local tongue, you don’t want to get into any problems with the police.
Second, anticipate on putting in a lot of time the day you want to hitchhike. Before a local can pick you up, it may take hours, and even then, they might not take you where you want to go right away. In order to get further, you will probably need to hitchhike more. When I want to hitchhike to far locations, I frequently set for a whole day for travel.
General Tips On Traveling The World Cheaply
Do Not Exchange Money At The Airport
When converting money overseas, it is generally advised not to do it at the airport or, for that matter, use an ATM. They frequently take advantage of you severely by charging outrageous withdrawal costs, sometimes losing more than 50% of the value.
I advise using your credit card before you leave the airport or just having a little amount of cash on hand to exchange at the airport. As a result, you’ll be able to depart the airport and exchange the remaining funds once you’re at a legitimate currency exchange location.
Woofing is another thing that occurs. That seems pricey, don’t you think? Do not assume it is similar to working in exchange for lodging and meals. World Wide Opportunities on Organic Farms is a sizable multinational organisation that connects travellers wanting to spend a few hours in exchange for shelter and food with farmers searching for labour.
Farmers in more than 100 countries are searching for enthusiastic travellers who are prepared to work hard. To sign up, you must pay the $40 registration fee on the WWOOF website. This is one of the finest methods to travel for free overseas and a terrific way to save money on lodging. This is a fantastic approach to go to pricey nations.
Have any other good tips and tricks for how to travel the world for cheap? Share them in the comments!


President Barack Obama is sticking with his BlackBerry. So are the smartphone maker’s shareholders. Rumours that the president would participate in a pilot programme to test Android devices proved false. And since bottoming a few months ago, just below $6, BlackBerry shares have rallied to $9. New chief executive John Chen has stabilised the company. Its fourth-quarter loss of 8 cents a share, reported on Friday, was not as bad as feared. But it is unclear if the turnround that shareholders are counting on will take hold before the bandages Mr Chen has applied fall off.
BlackBerry’s most recent, and presumably final, attempt to compete in high-end phones flopped last year. Mr Chen’s plan is to use the company’s entrenched position in corporate IT to become a software and services company. Until then, selling phones accounts for about 40 per cent of its (disappearing) revenue base; fourth-quarter revenue was $976m, compared with $1.6bn two quarters ago. It isn’t fully quitting phones, but is shrinking risk through a manufacturing deal with Foxconn.
Other measures BlackBerry has taken to secure breathing room include selling Canadian real estate and getting a $1.25bn convertible bond investment led by Fairfax Financial (the bond can turn into BlackBerry shares at a price of $10). The company burnt about $500m in cash in the fourth quarter and has $2.5bn left. It predicts breaking even by year’s end.
What hopes have caused the shares to soar 60 per cent in recent months? BlackBerry Messenger, while still a fraction of WhatsApp’s size, has 85m users. The services business, which manages corporate email, is shrinking as BlackBerry’s overall user base erodes. However, that installed base is an advantage to move into “mobile device management”: corporate email control across iPhones, Android and BlackBerry devices. Finally, its operating system is being used in connected cars, including at Ford.
The puzzle is that the fading businesses are still responsible for most of the cash flowing into the business. It remains risky to bid up the stock when the new BlackBerry may not emerge until after the next administration takes office.
Email the Lex team in confidence at firstname.lastname@example.org


The stock market in Latin America can still be called exotic for most investors. But this is only an additional reason to explore its possibilities, especially since it was Latin America that showed one of the highest results in the world in 2022 against the backdrop of rather weak performance of popular stock markets in developed countries.
Investment growth in Latin America is doubling every year, according to the Private Equity Association. So, in 2019, the volume of venture investments amounted to $4.9 billion, and already in 2021 this figure reached $16 billion.
The World Bank predicts growth rates for Latin America and the Caribbean in 2023 at 1.3%, and in 2024 – already 2.4%. For example: Latin American energy funds in 2022 showed an increase in income from 30% to 43%.
The situation in the e-commerce market is even more interesting. Contrary to popular belief, the world leader in this field, Amazon, is practically not working in many Latin American countries. Local players lead the way here, with pan-Latin American e-commerce and payments marketplace Mercado Libre standing out in particular.
In the last 5 years alone, online stocks in Latin America have seen an incredible 823% increase. But this market is still at the stage of development: for example, until 2025, a stable growth of the market by 30% per year is predicted. Accordingly, the value of shares of popular trading platforms will also continue to grow rapidly.
Anyone can invest in such a promising industry through traditional exchange trading. But you can also invest in Mercado Libre and earn passive income through automated trading.
The Mercado Libre project is an automated platform for investing in online business and, in particular, in the e-commerce sector of Latin America.
The platform is as simple as possible, it is designed for investors without the experience of stock trading and knowledge of the stock markets of the region.
According to the developers, investors receive the following benefits:
Each client is provided with a personal manager and constant support.
One of the important advantages of the platform is a large leverage, which allows you to significantly increase profits by attracting additional funds.
In order to invest in Mercado Libre and receive passive income, deep knowledge and understanding of the stock market is not required. The automated system will make profitable trades based on your deposit amount and basic settings. You will receive dividends and passive income. Along with the growth of the market, your profit will also increase significantly.
The project is designed for citizens of Latin America, so registration from other regions may be limited. For example, the project is not available to US citizens, since the Mercado Libre trading platform contains cryptocurrency trading and other electronic payment tools.
The minimum deposit to participate in the project is $250.
The Mercado Libre project operates in the markets of Latin American countries: Mexico, Argentina, Chile, Peru and others. Focuses primarily on investments in e-commerce and other online startups.
Citizens of these countries can freely invest in Mercado Libre, foreigners need to make sure that registration is available for them.
The amount of earnings in the project is not limited and largely depends on the amount you are willing to invest in Mercado Libre. High leverage allows you to increase your potential income. But it is important to understand that using this tool also increases your risks.
The Mercado Libre marketplace is highly trusted in Latin America. It combines the functions of a trading platform and financial instruments. Over the years, the marketplace has proven its reliability, the ability to ensure the security of data storage and the timeliness of payments.
The activity of Mercado Libre is governed by the laws of the Latin American countries in which the marketplace operates. The project for investment is regulated by the national financial regulators of these countries.
The platform allows any person to successfully invest in Mercado Libre, including those with a zero level of knowledge in the field of trading, stock trading and long-term investments.
Mercado Libre is a well-known marketplace that is much more popular than Amazon in Latin America. It is safe to work with this service. But do not forget that "mirrors" from intruders are often created for popular projects, and they are a scam.
Each user receives a personal manager who, on an ongoing basis, helps in solving problems, including technical ones, advises on project work, and answers questions.
Mercado Libre is an interesting passive income tool. The Latin American e-commerce market is developing very actively, attracting investors, demonstrating constant growth and generating relatively stable profits.
Automated trading is a good help for people who are not familiar with the stock markets. But experienced traders may not like the lack of manual trading tools and a small number of settings.
To start investing in Mercado Libre, you need to follow a few simple steps:
Registration. Enter your first name, last name, phone number and email. Confirm the correctness of the specified data.
Make an initial deposit – starting from $250. Follow the system prompts that will appear on the screen to make a payment.
Wait for a call from the manager. A few minutes after replenishing the deposit, a manager will call you to help you understand the operation of the system, answer questions, and teach you how easy it is to earn income on the platform.


Lender Seasoning Leaves a Bad Taste
There has been a lot of negative press and misinformation lately about double-closings. Many people have been indicted recently under what the press has called "Property Flipping Scams." Uninformed lenders, real estate agents and title companies will tell you that double-closings are now illegal. In fact, they are nothing of the sort.
The so-called property-flipping schemes work as follows: unscrupulous investors buy cheap, run-down properties in mostly low-income neighborhoods. They do shoddy renovations to the properties and sell them to unsophisticated buyers at inflated prices. In most cases, the investor, appraiser and mortgage broker conspire by submitting fraudulent loan documents and a bogus appraisal. The end result is a buyer that paid too much for a house and cannot afford the loan. Because many of these loans are insured by the Federal Housing Authority (FHA), the Senate has held hearings to investigate this practice.
Despite the negative press, neither flipping nor double-closings is illegal. The activities described above simply amount to loan fraud, nothing more. Newspapers have inappropriately reported the activity as illegal "property flipping," rather than simply "loan fraud." As a result of this mislabel, some lenders have placed "seasoning" requirements on the seller's ownership. If the seller has not owned the property for at least twelve months, the lender will assume that the deal is fishy and refuse to fund the retailer's loan. If you stay in control of the loan process and steer your buyers to a mortgage company that doesn't have a hang-up with double-closings, then seasoning isn't an issue.
At a recent seminar, a couple of experienced investors shared a great solution to the title "seasoning" issue. Some lenders don't like double closings because if the seller hasn't owned the property for twelve months, the lender funding the new loan assumes that the price is inflated (actually, they trained to be a lender in Russia, where it is unconscionable for an investor to make a profit in a short time period).
When the END-buyer applies for a loan, the underwriting department looks at the chain of title to see how long the seller has owned it. In the case of a double closing, the investor is not even on title at this point, so the lender has a cow!
The best solution around this is called a "reverse assignment" which allows you to assign your contract back to the owner and collect your money at closing for releasing the contract. This should be documented with a mortgage or deed of trust so the "release fee" is really a payoff of a lien.
WILLIAM BRONCHICK, ESQ.
Reprinted by Permission. Copyright 2000 All Rights Reserved. Visit www.legalwiz.com or call 1-888-587-3253. The author, CEO of Legalwiz Publications, is a nationally known attorney, author, entrepreneur and speaker. He has been practicing law since 1990, and has been involved in over 700 transactions.


Bowen S. DiehlPresident, Chief Executive Officer and Director
Bowen S. Diehl has served as President and Chief Executive Officer and as a director of Capital Southwest since October 2015. Mr. Diehl joined Capital Southwest in March 2014 and served as its Chief Investment Officer from March 2014 to October 2015. Prior to joining Capital Southwest, Mr. Diehl was employed by American Capital, Ltd., a publicly traded business development company ("BDC") and global asset manager. From 2007 to 2014, he served as Co-Head of American Capital’s Sponsor Finance Group, the group responsible for the majority of American Capital’s middle market lending business.
From 2001 to 2007, he served as a senior investment professional in the Dallas Office of American Capital. Mr. Diehl has sourced, structured and managed investments that have included senior and subordinated debt, as well as preferred and common equity in both control and non-control structures. Mr. Diehl’s investment experience relates to a variety of industries including healthcare, business services, industrial manufacturing and consumer finance. Prior to American Capital, Mr. Diehl was a Vice President in Investment Banking at Merrill Lynch, where he gained experience working with companies in the exploration and production, oilfield services, natural gas pipeline, natural gas gathering and processing, homebuilding and semiconductor sectors. Prior to joining Merrill Lynch, Mr. Diehl was a Vice President in the Global Oil and Gas Group at Chase Securities Inc., completing numerous transactions in the upstream and midstream oil and gas sectors. Mr. Diehl earned a Bachelor of Engineering degree, with majors in Environmental/Geotechnical Engineering and Economics, from Vanderbilt University and a Masters of Business Administration from the University of Texas at Austin. In his capacity as President and Chief Executive Officer, Mr. Diehl is an “interested person” under the 1940 Act. Capital Southwest benefits from Mr. Diehl’s extensive experience as a senior investment professional as well as his knowledge of the BDC industry.


The way to Commerce Oil Futures For Absolute Beginners
Many people, especially newbies wonder the best way to commerce oil futures The fundamentals of buying and selling oil are easy and comparable to purchasing and selling stocks online, but the dimensions of individual contract is totally different. One contract of crude oil signifies 1,000 barrels of crude oil. The buying and selling hours for light sweet crude oil is 9:00 am to 2:30 pm japanese time from Monday to Friday. Crude oil is mirrored as CL in the trading index. Since the dimensions of a contract is 1,000 barrels of crude oil, the future contract of crude oil increases or decreases by 1,000 dollars, if the prices of crude oil byproduct of oil refining crossword 100 moves upwards or downwards by one electric heating jacket reaction kettle dollar. A trader can earn money by going lengthy in addition to by going brief with oil trading. In oil day trading, going long means shopping for first and promoting later whereas going short means promoting first and buying later. Following are a few of the fundamentals of trading oil futures for beginner traders.
To start with, open a trading account with a broker. It is essential to decide on the broker who has a superb observe record with years of experience in oil buying and selling. Start with a apply account to gain expertise in buying and selling oil futures before you start buying and selling with real money. Now perform some research and evaluation. Keep your self educated concerning the weekly demand and supply place of oil by studying stories revealed by the American Petroleum Institute. Learn the charts and patterns, and determine present demand and supply position. Acquire details about seasonal fluctuations, weather modifications that will have an effect on the production and transportation of oil, and study political circumstances in oil producing countries. Apart from this, learn the statements of OPEC which can allow you to to get a clearer image about movements in oil prices in a short period.
After gathering this info, it’s time now to do some technical evaluation. This contains protecting track of increase and decrease in trading quantity, monitoring candlestick charts, evaluating transferring common price to search out out whether brief terms traits are diverging or converging with Shifting average convergence diversion (MACD). In addition to this, extrapolate Fibonacci numbers and check appropriate charts to get a clear image about value movements in oil. Always take your buying and selling place by confirming with MACD and moving average value as they’re sturdy indicators of price movements. Moreover, they’re easy and simple to know.
Volume means liquidity; hence, it’s always advisable to trade oil when the quantity of buying and selling is excessive in the market. This offers an opportunity to earn short-term income, but it surely gives rise to equal chances of risks. This is the principle reason why it is always beneficial to trade with a observe account for not byproduct of oil refining crossword 100 less than a month before starting real trading. The value movements and statistics in a follow account are actual-time; therefore, it is possible for you to to achieve experience with real-time market data. Develop a easy buying and selling strategy based mostly in your expertise and keep on with it. If you discover your buying and selling strategy ineffective, consider your technique and make crucial changes. After gaining sufficient expertise, you can start actual buying and selling.
Start with minimum deposit so as to restrict the amount of loss. The key to succeed in oil buying and selling depends upon the broker you select, the buying and selling technique, current news that affects oil costs, your patience and dedication.


Paying someone to mow your lawn is a pretty straightforward affair. Ryan the lawn guy will look at the lawn size and maybe the hilliness of your yard and you’ll settle on a price for mowing and trimming it. When you decide to contract for Ryan’s services on a more regular basis, payment might get a little more complicated. If you pay Ryan every time he mows your lawn he might mow it more often than necessary. But that problem is easily addressed by paying him a fee to take care of your lawn for the entire growing season.
Paying a hospital to care for someone who had a stroke is not so straightforward. Imagine you are an insurance company and you decide to pay the hospital for each day the patient is in residence. With that kind of payment scheme the hospital visit might drag on indefinitely. Indeed several decades ago insurance companies in the United States primarily reimbursed hospitals on a “per diem” basis, cool kid lingo for per day. Incentivized by this reimbursement scheme, the length of stay in American hospitals was often surprisingly long for even relatively mild conditions. Think of the parallel to lawn care: pay per mowing and you can expect lots of mowings!
Healthcare payers have developed several methods to overcome this per diem/per mowing problem. I will explain these methods shortly, but first the bottom line. Figuring out how to pay for hospital care is a hell of a lot more complicated than figuring out how to pay your lawn service.
To combat the unintended consequences of per diem payment coverage, Medicare switched to per diagnosis payments in the 80s, and the insurance companies followed shortly thereafter. Under this DRG program, a hospital taking care of a patient with a severe stroke would receive appropriate payment for that diagnosis, while a hospital taking care of someone with mild pneumonia would receive a smaller payment appropriate for the typical costs of paying for that condition. Following the implementation of this type of prospective payment, length of stay in American hospitals plummeted. In response, much of medical care was shifted to post-acute care, to rehabilitation hospitals, for instance, for stroke patients, or to outpatient clinics for people with pneumonia. These non-hospital services were not covered by the diagnosis-based DRG payments, so healthcare providers had little incentive to practice parsimoniously once their patients left the hospital.
Enter bundled payments. In 2013, the Center for Medicare and Medicaid Services, henceforth CMS, launched its Bundled Payments for Care Improvement Initiatives, henceforth BPCI (in case your life needs more acronyms). In the BPCI, CMS identified 48 clinical conditions that qualify for bundled payments, meaning participating healthcare providers would receive payments designed to cover not only hospital care for the condition in question, but money to pay for all healthcare related services they receive for the next 30 days. Unsurprisingly, not all hospitals are eager to join this program. For starters, the hospitals have to be financially integrated with post hospital providers. If patients receiving stroke care at Our Lady of Acute Care Hospital receive post-acute care from a hodgepodge of rehabilitation facilities, many of which have no connection to the hospital, then coordinating payments will be a disaster. (To read the rest of this article, please visit Forbes.)


AR glasses: Race with Meta - Snap buys next company
Snap continues to invest in AR technology - and may be protecting itself from an aggressive Meta by doing so.
In May 2021, Snap announced the acquisition of Waveoptics, a British manufacturer of waveguide displays also for AR glasses. Snap paid half a billion US dollars for exclusive access to displays and know-how.
A lot of money for a technology that is not yet good enough for a tech eyewear revolution and whose future is uncertain. But still, a necessary investment to stay in the race for AR glasses?
Snap buys another display manufacturer
In addition to Waveoptics, Snap has now acquired LCoS and MicroLED display maker Compound Photonics, founded in 2007, reports display blogger Karl Guttag, citing several sources he knows. The acquisition sum is not known, nor has the deal been officially confirmed. However, Guttag was already right about Waveoptics in advance.
LCoS displays are see-through microdisplays with high resolution and brightness that are well suited for tech glasses. They can be used in combination with waveguide technology. So far, Compound Photonics' LCoS displays have not made it into commercial tech glasses, according to Guttag.
The Lumus prototype "Maximus" used the CP displays, and this device was credited by the rather critical Guttag with excellent image quality for AR glasses with "wow factor". The imaging technology is clearly superior to that of Microsoft's Hololens 2, he said: the prototype offers a high-contrast, much higher-resolution image with rich, even colors and high brightness.
However, the display combination from Compound Photonics and Lumus cannot solve the biggest problem of AR glasses, the small field of view: The Lumus Maximus comes in at 50 degrees diagonally with an aspect ratio of 1:1 (Hololens 2: 52 degrees, aspect ratio 3:2).
Meta's shopping spree puts other companies on the spot
It's possible that Snap wouldn't have acquired Waveoptics or Compound Photonics if Meta didn't pull out its wallet so frequently: The Zuckerberg Group is tying up skilled labor, buying exclusive rights to British manufacturer Plessey's displays in March 2020 and ImagineOptix, which develops specialty lenses for tech eyewear, in December.
There are two reasons for such acquisitions: Meta plans so firmly with a technology that buying out the manufacturer is more cost-effective than contracting it out. And other companies no longer have direct access to the technology, so would have to work with Meta or search for alternatives.
Sufferers of these business practices could be mid-sized companies that are not specialized enough or too expensive to acquire, but whose products cannot compete with those of the large tech corporations, precisely because they also block access to relevant technology. One example might be the aforementioned Lumus, which Guttag said had plans to further develop the Maximus prototype and market it to end users.
Meta is also on a shopping spree in the software sector, with more than six VR studios on its list so far. The latest acquisition, of VR fitness app Supernatural, is currently under review by the US antitrust agency FTC. Snap last bought AR e-commerce specialist Vertebrae in the summer.


Motorists take advantage of gas deal
Published 11:18 pm Friday, October 3, 2008
FRANKLIN—Drivers passing Farm Fresh on Friday morning probably did a double-take, hit the brakes and detoured into the parking lot when they saw the price the store was advertising for gas.
But then, a price of $3.29 per gallon would get anyone’s attention.
The store at 1459 Armory Drive was running a one-day special on gas. It’s a promotion that, according to employees, is run an average of four to six times a year.
Judging by the line of cars snaking through the parking lot Friday afternoon, it’s a promotion that’s wildly popular.
“I think it’s a swell idea,” said Walter Elliott of Murfreesboro, N.C. When asked if he had filled the tank of his Lincoln Town Car, Elliott nodded and laughed. “Yes I did. Yes I did,” he said.
The queue extended to as many as 17 cars at one point on Friday afternoon. Traffic cones were placed in key locations, and Farm Fresh employees were directing the line, which reportedly stretched, at times, through the parking lot almost to Armory Drive.
Rose Boone of Franklin was in line to fill up her Ford Escape. Gas prices, she said “are too high, they need to come down. It’s crazy.
“You see an opportunity like this, you have to take it.”
Franklin resident Chyerl Falls, behind the wheel of a Dodge Ram 1500, was taking full advantage of that opportunity.
“I filled my car up here earlier,” she said. “I’ve got gas cans in the back to fill up too.”
Scot Allen, also of Franklin, had a slightly different tack on the situation.
“Honestly, I think (the price of gas) is pretty realistic,” Allen said from his Ford F-150. “Your simple thoughts of supply and demand … it could be a whole hell of a lot worse.”
Doug and Shirley Flythe drove all the way from Conway, N.C., when they saw an advertisement in their newspaper on Friday morning.
“We came here to save a dollar — seven dollars,” Shirley Flythe exclaimed. “Now we’re going to go in the store and save some more.”
Nearby, George Fowler, a Suffolk resident who works in Franklin, emerged from the store and was placing groceries into his truck.
“I’d like to have some of that cheap gas,” Fowler said, “but I didn’t want to stay in line for it.”


Jacile Hébert is a seasoned professional when it comes to start-up ventures and brand management.
Originally from Calgary, she acquired her Marketing Management diploma at Mount Royal University and started as a door-to-door sales agent for a small start-up marketing firm directly after graduation. After a year in sales, Jacile was moved into a recruiting position to spearhead the growth of the organization. It was during her time as a recruiter where she re-branded the company and implemented social media as part of its growth strategy to stay ahead of the competition. She helped grow the small start-up of five sales reps in a single location to over 150 reps across seven locations in Canada within two years. This experience allowed Jacile to develop valuable skills in client management, recruiting, leadership, social media marketing, and digital branding.
Her natural creativity, effective leadership, and tenacious sales ability have shaped her into a sought after professional for industry-leading companies. Since founding HOOK in April 2015, she has acquired 13 clients in the first three months of business and had plans to triple in size by the end of the year. In addition to her passion for commerce, Jacile is also an advocate and active volunteer for Operation Smile. She and her husband hope to develop their non-profit organization shortly.


Vista Outdoor has completed the sale of eyewear brands Bollé, Cébé and Serengeti, a move first announced by Chief Executive Officer Chris Metz in November 2017—to allow the company to concentrate on its core, outdoor business—and key component in the firm’s strategic transformation plan unveiled in May. “An increased focus on our heritage ammunition business will manifest itself in more innovative and breakthrough new products introduced over the next few years,” Metz explained earlier this year. “We also anticipate that by prioritizing this business, we will be able to invest more capital to further enhance and expand our global leadership position.”
A European private equity fund agreed to make the purchase in July and gross proceeds from the now-completed divestiture were $158 million. Vista Outdoor’s net proceeds from the sale, after transaction adjustments and financial advisor fees, were approximately $154 million, subject to customary post-closing true-up for working capital and other items.
“Completing the sale of our eyewear brands is a positive step in our strategic transformation plan,” said Metz. “We believe this is a mutually beneficial arrangement for both parties, and we are excited that the buyer will help these iconic brands thrive.”
Companies that are currently part of the Vista Outdoors stable include Federal Premium Ammunition, CCI, Savage Arms, Eagle, Bushnell, Stevens, RCBS, American Eagle and many others. The meandering route in which the stylish eyewear firms fell into that family began when Bushnell Performance Optics acquired them for roughly $47 million in 2000. Bushnell was then purchased by ATK in 2013 and when Vista Outdoor departed from ATK as a separate, publicly traded company in 2015, they were part of the package.
“We are eager to build on the momentum from this sale,” Metz said. “We are hard at work on the next stage of our transformation plan and confident in our ability to put Vista Outdoor on a path for future success.”


It seems unreasonable to present brand-new monetary terms in a currently elaborate globe of money, cryptocurrencies provide a much-needed option to one of the most significant nuisances in today’s loan market – the safety of purchase in an electronic globe. Cryptocurrency is a specifying and also turbulent development in the fast-moving globe of fin-tech, an essential action to the demand for a safe tool of exchange in the days of online deal.
Supply of coins in the electronic money globe is pre-decided, complimentary of control, by any kind of private, companies, federal government entities as well as economic organizations. The cryptocurrency system is recognized for its rate, as purchase tasks over the electronic purses can appear funds in an issue of mins, contrasted to the conventional financial system. Simply like the cash market in the genuine globe, money prices rise and fall in the electronic coin community. Bitcoin is the biggest and also most effective cryptocurrency so much, with a market cap of $15.3 Billion, catching 37.6% of the market and also presently valued at $8,997.31.
As a result of hard-coded limitations on their supply, cryptocurrencies are thought about to comply with the exact same concepts of business economics as gold – rate is established by the restricted supply as well as the variations of need. With the consistent changes in the currency exchange rate, their sustainability still continues to be seen. The financial investment in digital currencies is a lot more conjecture at the minute than a day-to-day cash market.
Lately, Bitcoin Loophole Review might have taken a dip to provide limelight to various other cryptocurrencies. The even more preferred cryptocurrencies are, the even more analysis and also law they bring in – a usual mystery that unsettles the electronic note and also deteriorates the main purpose of its presence. Also the International Monetary Fund (IMF) is afraid that cryptocurrencies will certainly displace main financial institutions and also global financial in the close to future.
As these are must-haves for the electronic system, it will certainly take a couple of even more years to understand whether a cryptocurrency will certainly be able to compete with the genuine globe money in complete swing. While it is most likely to occur, cryptocurrency’s success (or do not have thereof) of taking on the obstacles will certainly figure out the ton of money of the financial system in the days in advance.


The government has announced a raft of laws aimed at transforming UK workers’ rights.
New measures, announced today, includes a day one statement of rights to workers, detailing their eligibility for sick leave and pay and details of other types of paid leave, such as maternity and paternity leave.
The proposals feature plans to introduce a single labour market enforcement body to ensure workers rights are properly enforced.
Maximum employment tribunal fines are to be quadrupled for employers who are found to have shown malice, spite or gross oversight from £5,000 to £20,000.
The holiday pay reference period will be extended from 12 to 52 weeks in a bid to ensure seasonal workers are paid time off they are entitled to.
The proposals are in response to the 2017 review of modern working practices set up to address the so-called gig economy.
The review, titled Good Work: The Taylor Review of Modern Working Practices, was chaired by Royal Society of the Arts chief executive Matthew Taylor.
In total the government accepted 51 of the 53 recommendations made by Mr Taylor in his report, which significantly stopped short of totally banning zero-hours contracts.
The measures will also see the a legal loophole that enabled certain businesses to pay agency workers less than permanent staff scrapped.
Known as the ‘Swedish derogation’ the loophole allowed workers to sign pay-between-assignment contracts which enabled them to become employees of agencies rather than agency workers.
However, under the current rules the agency staff were not entitled to equal pay between assignments.
The government said it had found from both the review and its subsequent consultations that protections were not strong enough for those employed by agencies with all the risk being transferred to the workers in some cases.
As a result the contracts have been banned by the government.
The government has also responded to the director of Labour Market Enforcement Sir David Metcalf’s review of the labour market with a focus on Sir David’s suggestions around the protection of vulnerable workers.
The new measures will see the creation of new powers to impose penalties for employers who breach employment agency legislation like non-payment of wages.
A consultation on salaried hours work and salary sacrifice schemes in an effort to ensure national minimum wage rules did not inadvertently penalise employers.
It added that it would also bring forward legislation to enforce holiday pay for vulnerable workers.
The government has also launched a consultation regarding Sir David’s recommendations on non-compliance in supply chains.
In September shadow chancellor John McDonnell pledged to bring in new laws to give “gig economy” workers sick pay, parental leave and protection against unfair dismissal.


The interest rate for FD is 7.7% and it’s compounded annually. There’s a very simple method for calculating the total amount of time after which your money will double. Divide 72 by the prevailing interest rates. For example, if the prevailing interest rate is 8%.
The account balance grows with interest but shrinks with withdrawals. When I take out the $150 withdrawal in year nine, the account balance has fallen to $0, as expected. The table below illustrates.
There are two main components of these present value calculations: an interest rate and a mortality table. The argument continues as follows: “The plan specifies the actuarial assumptions used to.
Calculating Payments or the Interest Rate from a Mortgage Table We mentioned earlier that before computers, bankers used to use mortgage tables to calculate monthly payments. I’ve included a complete set of tables (interest rate 0% to 20% in 0.05% increments) for determining the payment per $1,000 of principal in Appendix B of version 1.2 of my.
Quickly calculate the future value of your investments with our compound interest calculator. All data is tabled and graphed in an easy to understand format.
Something worth noting is that this free online IRS Interest Calculator is designed only for the use of individuals (both single and married) and not for the use of companies. Furthermore, the IRS interest rates which this calculator uses are updated at the end of each tax quarter.
Interest Only Loans Rates How much will my interest-only payment be? | myFICO – Monthly payments are shown both during and after the initial, interest-only period . The interest-only loan used in this tool is assumed to have a fixed rate.
Use theThe financing charge you’ll receive or pay is shown in the financing field. Negative values indicate financing must be paid.) Notes. If you want, you can change the current values to use historical currency rates or historical interest rates.
15 Year Mortgage Interest Rate Chart Freddie Mac mortgage rates freddie mac March Forecast: Lower than expected mortgage. – Sam Khater, Freddie Mac’s chief economist, says, "The real estate market is thawing in response to the sustained decline in mortgage rates and rebound in consumer confidence – two of the most.mortgage rates trend upward for Monday – You can use Bankrate’s mortgage calculator to estimate your monthly. It will also help you calculate how much interest you’ll pay over the life of the loan. The average 15-year fixed-mortgage rate.
So interest rate is also very important metric in your returns. This table shows how 1% difference can change your returns every year. (Assuming returns are quarterly compounding) Second importatnt.
Risk free rate: The risk free rate is very simple; again just the interest rate for a German 10. Ryanair’s Financial Statements This can then be used to calculate the terminal value of Ryanair (see.


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Dollar's Value Gives A Boost to Exports
| NEW YORK
THERE'S certainly one bright spot in the current sluggish economic setting in the United States - exports.Despite a drop in exports in August, that's the view of a number of analysts here, including George Iwanicki of Kidder, Peabody & Co., and Dr. Robert Barbera of Shearson Lehman Brothers Inc. Dr. Barbera, for example, says that the current environment of slow economic growth and relatively low inflation means that the US will retain a very "competitive position" on merchandise trade. US exports, he concludes, will remain "firm." Similarly, Mr. Iwanicki's argument has more to do with favorable currency valuations than just the quality of US products, although many US products - such as in aerospace, chemicals, and computers - are sought for their excellence. The overriding advantage for US exports continues to be the value of the dollar vis-a-vis other currencies. Although the dollar rose in value against other currencies during the first half of 1991, the dollar, "on an export-weighted value," argues Iwanicki, remains low relative to its levels in the mid-1980s. Export-weighted dollar values are "dollar exchange rates adjusted for relative inflation differences and weighted by export shares for each industry." Thus, Iwanicki concludes that despite the 4.4 percent rise of the dollar since February, the export-weighted value of the dollar was only 0.2 percent higher in August than it was a year ago. Recent dollar rises, in fact, have been uneven. While the dollar recently rose against the currencies of Germany and other European nations, the dollar gains were "modest or nonexistent" against such major US trading partners as Canada, Japan, and Mexico. The distinction is crucial to why US exports are doing well, Iwanicki says. Canada is the major trading partner for the US, accounting for more than 21 percent of all US exports (in dollar terms), Japan for over 12 percent, Mexico for 7 percent, and Continental Europe, 19 percent. Still, there is some concern about the impact of slower overseas growth on the US manufacturing sector. According to a new study by IDS Advisory Group Inc. in Minneapolis, the "slowing in overseas growth is likely to lead to a decline in the rate of gain in US exports." A slowdown in Germany, for example, would be significant for US manufacturers. The reason? High interest rates in Germany, according to Shearson Lehman, could act as a drag on the Continent as a whole, offsetting any pickup in growth on the part of individual countries there. In turn, a slowdown on the Continent could tug growth downward in Britain, which absorbs about 6 percent of US exports. Still, the overall consensus is that, for now at least, US exports are looking good. The manufacturing sector should benefit from this trend, says Iwanicki. Industries expected to do well in the months ahead, he adds, include capital goods and some industrial supplies and materials. Taken together, these account for over 60 percent of US merchandise exports. Capital goods industries are particularly important, comprising almost 40 percent of US merchandise exports during 1990. Two major US manufacturing sectors find themselves increasingly dependent on exports, experts note - automobiles and aircraft. In the case of autos, Detroit is reeling from the slump in US consumer spending. Last week General Motors, Ford, and Chrysler noted that sales of cars and light trucks were off sharply in the first 10 days of October, a critical period for the carmakers, since October is the start of the new model year. Whether Detroit can count on vigorous sales abroad - given a slowing economy in Europe - is questionable. The same pattern holds for makers of commercial aircraft. Aerospace companies face declining defense spending, plus a recession-related travel slowdown in the US market. So it is important for the manufacturers to maintain or expand exports. But, with many of the major overseas carriers based in Europe, this may prove difficult.


ATLANTA - Using 481 pages of flowcharts, spreadsheets and even a handy glossary for those unfamiliar with the bureaucratic buzzwords, Gov. Sonny Perdue last week laid out his budget proposal for the state spending year that begins July 1.
This week, lawmakers get a crack at it.
Budget hearings mark the only significant activity set for the Capitol next week, as lawmakers take time off to give their appropriations committees time to pore over Perdue's plans and fire questions at agency heads coming to explain the details.
"This is our chance to directly talk to department heads to start to develop our opinion of what the budget should look like," said Senate Appropriations Chairman Jack Hill, R-Reidsville.
Republican leaders have drastically scaled down the meetings, which often lasted for several days under Democrats. Now, only the heads of major agencies step into the limelight, shortening the process to just two days.
Meanwhile, budget writers have plenty of money to deal with: Perdue's proposal broke the $20 billion mark for the first time in state history, coming in at $20.2 billion. Legislators have to stay within the revenue estimate Perdue gives them because of state law requiring a balanced budget.
"I think that's the good news, is that we are growing, (but) we've got a lot of needs we need to meet," said House Appropriations Chairman Ben Harbin, R-Evans.
And as the budget process gets rolling, lawmakers will be thinking about how to bring some of that $20 billion to their districts. They'll have to make their case in public before a special committee in competition with the requests of their colleagues.
On the web
The Georgia legislature can be found online at: www.legis.state.ga.us
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Retail is unique. Perhaps more so than any other industry, retail is ubiquitous, complex and ripe for disruption.
These characteristics create a differentiated set of challenges for retailers, but they also create enormous opportunities.
In fact, retailers now have more opportunities than ever to engage consumers and grow their customer base. However, there’s little room for error in doing so thanks to fierce competition within the industry and ever-heightening consumer expectations.
As a result, taking advantage of these opportunities to grow the business and become a true market leader requires a high level of expertise and a deep focus on everything that makes retail so unique.
What Makes Retail So Unique?
Five factors, in particular, make retail a highly unique industry:
- Highly competitive, with no path for winner-take-all: Retail most certainly has market leaders, but the diversity of retailers and consumer preferences protect against it becoming a winner-take-all industry. This makes it highly competitive and forces leaders to continuously fight to maintain their positions in the market.
- Leader in innovation: Retail has always been at the forefront of innovation, which continues to drive competition. As retailers aim to meet and exceed evolving consumer expectations, this innovation can extend to anything from experiences and purchase processes to supply chains and business models to omnichannel engagement.
- Disproportionate impact of marketing and advertising: Retail purchases are highly emotional, especially compared to purchases like choosing an airline or a bank. Often, consumers choose products or brands due to an emotional connection, and this means marketing and advertising carry a disproportionate impact on success in retail. It also means that these areas of the business must be profit centers, not cost centers.
- Differentiated sub-verticals: Retail consists of several highly differentiated sub-verticals. Although all retailers do have similar needs and processes that are unique to the industry as a whole, important nuances separate apparel retailers from home goods retailers, luxury retailers from non-luxury retailers and so on. Understanding these nuances necessitates deep, industry-specific expertise when developing strategies to engage consumers and grow loyalty.
- Bellwether of economic health: Retail is often used as an early indicator of economic health, since sales reports are a strong sign of consumer spending power and the retail industry is the largest private-sector employer in the US economy. However, accurately measuring retail success and using that data to understand economic health requires a long term view due to the seasonal nature of retail.
Why Does Retail Require Deep Expertise?
All of the factors that make retail so unique also mean that it requires deep expertise to get right. From creating meaningful connections with consumers in different ways across retail sub-verticals to introducing highly innovative, omnichannel experiences, succeeding in retail isn’t easy.
Specifically, succeeding in retail requires significant knowledge around:
- Movement within the broader retail industry, as trends like the rise of eCommerce, mobile and direct-to-consumer strategies continue to shift expectations
- Key goals to drive growth, such as the value of retention vs. acquisition, and how to use data to achieve those goals
- Common patterns in customer behavior that require specific marketing programs to fill gaps and keep shoppers engaged
- Differences between and unique goals for specific sub-verticals, including shopper behavior, product changes and overall engagement patterns
Prepare Your Retail Marketing Team for a Retail Reckoning
Ready for even more on what makes retail unique and why retail requires such deep expertise to get right? Click here to get the full details, plus an analysis on key inflection points in modern retail and how to approach the next wave of retail.


The most recent hack of Nvidia GPUs has increased the efficiency of GPUs from 20 to 40% according to WuBlockchain. Following the initial hack, criminals have blackmailed the company, threatening to release the driver to the public.
According to the report, the private driver that removes limitations from graphic cards allows increasing mining efficiency from 20 to 40%. Initially, the manufacturer limited the hashrate of each GPU piece before releasing them to the public.
The LHR (Low Hash Rate) GPUs appeared on the market after the explosive demand increase for the graphical processor for cryptocurrency mining.
Following the initial hack, LAPSUS hacking group released a message with an offering to sell the customized driver that removes the LHR limitation put out by the manufacturer. According to the message, the driver will work for Nvidia's RTX 3000 GPU series.
Back in 2021, Nvidia released a dedicated Crypto Mining Processor that offered a significantly higher hashrate back in February 2021. But despite the loud launch and high hopes for the products, the lack of updates and low usability caused a drop-off in sales later on.
According to the Bitcoin and other PoW cryptocurrencies hashrate, miners are leaving the market due to a major drop in revenue. But while retail miners decide to leave the market, companies like Marathon increase their offerings by mining 3,197 Bitcoins in 2021 with 32,150 miners, holding approximately 8,956 Bitcoins as of Feb. 28, 2022.


The Barrière Desseigne family, Accor and Colony Capital have signed an
agreement to create a group with a leading position in the European casino
sector. The agreement is based on the combination of the casino and hotel
assets of Société H™telière de la Cha”ne Lucien Barrière (SHCLB), Société
des H™tels et Casino de Deauville (SHCD), Accor Casinos, and their
respective subsidiaries. The Barrière Desseigne family currently owns 100%
of SHCLB and 54% of SHCD.
Accor owns 35% of SHCD and 50% of Accor Casinos, with Colony Capital
owning the remaining 50% of Accor Casinos. On completion of this important
external growth transaction, the Groupe Lucien Barrière will simplify the
shareholding structure, with the Barrière Desseigne family 51% in the
Group, with Accor holding 34% and Colony Capital holding 15%. In addition
to its shareholding, Colony Capital, through its European fund Colyzeo,
will invest EUR100 million in the Group, further strengthening the Group`s
The new shareholding structure will be accompanied by a shareholders`
agreement setting forth the Group`s governance, in particular with respect
to certain of the Group`s major decisions, in accordance with usual
practice in this type of shareholding structure. Under the shareholders`
agreement, Colony Capital will have an option to sell its shareholding to
Accor, with Accor holding a similar option to buy Colony Capital`s
SHCLB, to be renamed Groupe Lucien Barrière, will be transformed into a
“simplified joint stock company” (société par actions simplifiée).
Dominique Desseigne will be appointed Chairman of the Supervisory Board
with specific additional powers, Benjamin Cohen will be Vice Chairman.
Sven Boinet will chair the Management Board.
Pro-forma for the transaction, gross revenues for the Group were
approximately EUR900 million for FY2003. The Group will operate 37
casinos, with close to 5,000 slot machines in locations that include
Deauville, Enghien, La Baule, Montreux, Bordeaux, Biarritz and Nice.
Additionally, the Group will operate 13 luxury hotels and a substantial
restaurant business, including Fouquet`s on the Champs-Elysées in Paris.
The transaction will combine the respective strengths of the Groupe Lucien
Barrière and Accor, in the commercial, industrial and financial areas to
attract new clients, improve the profitability of the Group and continue
the consolidation of the casino sector in Europe. The transaction will
take the form of an acquisition by Groupe Lucien Barrière of the
outstanding shares of SHCD and Accor Casinos currently held by the
Barrière Desseigne family, Accor and Colony Capital.
Groupe Lucien Barrière will also acquire the “Lucien Barrière” brand from
the Barrière Desseigne family and will licence the use of the brand to all
the casinos and hotels within the Group, on the terms set by an external
valuation. The agreement is subject to certain conditions precedent, in
particular approval by the antitrust authorities and the casino
The Barrière Group is organised around a concept: the resort, a holiday
centre where luxury hotels, restaurants, sports and fitness facilities are
provided around a casino, for both private and corporate clients. The
Barrière Group currently operates 13 hotels (2,000 rooms), at La Baule,
Cannes, Deauville, Dinard, and Enghien-les-Bains, 14 casinos in France of
which the Casino Barrière at Enghien-les-Bains has been ranked the top
casino in France for the second consecutive year, and a casino in
Switzerland (Montreux) that is the largest casino in French-speaking
Switzerland. The Barrière Group also operates 57 restaurants including the
renowned Fouquet`s Paris as well as discotheques, 3 golf courses, 1
thalassotherapy centre and 2 tennis clubs.
In addition, the ultra luxury hotel development, H™tel Fouquet`s Barrière,
is expected to open in 2005. As of October 31, 2003 The Groupe Lucien
Barrière had 4,400 employees, with revenues of EUR646 million.
Accor, with 150,000 associates in 140 countries, is the European leader
and one of the world`s largest groups in travel, tourism and corporate
services with two major international business activities: hotels, with
nearly 4,000 units, and services to corporate clients and public
institutions. Accor Casinos, a subsidiary of Accor and Colony Capital,
today operates 24 casinos (3 are in the course of being opened) including
Ruhl (Nice), Bordeaux, Les Sables d`Olonne, Cannes Mandelieu, Saint
Rapha‘l, Sainte Maxime, Carry Le Rouet, Carnac, Perros-Guirec, Chamonix
and Le Touquet.
For fiscal 2003, Accor Casinos had revenues of EUR389 million.
Colony Capital is a private investment fund, specialising in real estate,
with invested capital of more than US$10 billion since 1991, of which US$4
billion was in Europe. Colony Capital has been investing in the casino
sector since 1999 and is one of the few funds to meet the requirements of
the American casino regulators. Funds managed by Colony Capital own
Resorts International at Atlantic City, Costa Smeralda in Sardinia and the
Guanahani on Saint Bart`s. Colony Capital recently announced that it has
entered into an agreement to buy the Las Vegas Hilton. Since 1999, Colony
Capital and Accor have entered into several partnership agreements in the
hotel and casino sector.
Colyzeo is the European investment fund formed from a partnership between
Colony Capital and Eurazeo.


By John Lee.
Genel Energy has successfully completed the issuance of a new $300 million senior unsecured bond with maturity in October 2025.
The new bond will have a fixed coupon of 9.25% per annum. The transaction is subject to customary closing conditions and settlement is expected to occur on or about 14 October 2020.
In connection with the issue, the Company has agreed to repurchase $223 million of its existing $300 million senior unsecured bond issue with ISIN NO 001071088.2 and maturity date in December 2022 ('GENEL01 PRO').
Genel has the option to call the outstanding bond amount in December 2020 at a price equal to 105% of the nominal amount.
Pareto Securities acted as bookrunner and manager for the bond issue.
(Source: Genel Energy)


A personal blog about life, children, relationships, popculture and anything under the rainbow.
Lower and Lower and ?
Wow, I cannot believe it when I saw the price of gas at the pump. I have not seen it this low since...I cannot even remember. These photos were taken at the same day. It was $2.10 when I drove the kids to school and when I was on my way to pick them up 7 hours later, it went down $0.03. It was even lower the other day, I saw it at $2.01 at the same station. At the Stop and Shop, it was less than $2.00. So, if the gas prices went down, how come food prices didn't?


“Snow me the money!” exclaimed Maria Fonseca, Aberdeen, as Lottery officials presented her with an oversized souvenir check for $50,000 in their Boise office. Fonseca claimed the final top prize in the Idaho Lottery’s holiday-themed Scratch GameTM Snow Me the Money on Wednesday afternoon.
On Sunday evening, Fonseca stopped at her local Maverik to play a few Idaho Lottery Scratch tickets. “I asked the clerk for a Snow Me the Money ticket. I started to scratch it, saw the snowflake (the winning symbol), and then BOOM! I saw a lot of zeroes!” described Fonseca, a college student at Idaho State University in Pocatello. “The most I’d ever won before was $10. This is way bigger than that!”
Unconvinced she’d won such a large prize Fonseca used her smart phone and the Idaho Lottery check-a-ticket app to confirm her win. The message instructed her to contact the Idaho Lottery offices about her winning ticket. Three days later, she made the journey from Aberdeen to Boise to collect her prize.
Fonseca plans to share her winnings with her brother, Augustine, a student attending the College of Southern Idaho in Twin Falls. Both are planning to use the winnings to pay for their college tuition.
For their part in selling the winning ticket, Maverik receives a bonus from the Idaho Lottery of $5,000.


- 2014 Police & Justice Conference
- 23 June 2014
- Carried as Amended
This Government and likely future Governments agendas for shrinking the State and privatising Police and Probation services is resulting in our members being employed by private companies. The effect of this is the fragmentation of UNISON branches in the Police & Justice sector which will make it increasingly difficult to organise, support, recruit and retain members in the sector.
This Conference instructs the National Service Group to develop a strategy to maintain and increase Police and Probation membership in the growing private sector.


WASHINGTON – Trying to curb home foreclosures, the Senate voted on Wednesday to make it easier for homeowners with risky credit to switch to a lower-cost mortgage backed by the government.
The bill, passed 91-5, also would give banks a break by encouraging reduced fees they must pay for the government to insure deposits.
While both steps put taxpayer money on the line, lawmakers say the legislation is needed to prevent the economy from getting worse.
Absent from the measure was a bankruptcy provision that President Barack Obama had promised to push through Congress, but which drew stiff opposition from banks. The provision, rejected by the Senate last week in a 51-45 vote, would have allowed bankruptcy judges to lower a person’s mortgage payment.
While the House included the provision when it passed its version of the bill in March, lawmakers said it didn’t have enough support to insist it be included in the final compromise bill. The two chambers have to iron out their differences in the legislation before it can be sent to Obama to sign.
“That issue is a dead letter,” said Sen. Christopher Dodd, D-Conn., chairman of the Banking Committee.
The Senate housing bill would expand an existing $300 billion program called “Hope for Homeowners,” which encourages lenders to write down an individual’s mortgage if the homeowner agrees to pay an insurance premium. The program, which is set to expire in 2011, is intended to swap out a homeowner’s high-interest rate for a 30-year fixed loan backed by the Federal Housing Administration.
So far, the program has been a dud.
When it was established last year, Congress envisioned helping some 400,000 troubled homeowners. But because eligibility requirements were so strict, one borrower has completed the refinancing process and only 51 more are in the works, according to statistics released last week.
The Senate bill would expand eligibility. For example, the program currently bans participants who intentionally defaulted on the mortgage or other substantial debt. The Senate bill would narrow that prohibition to defaults within the last five years.
Republicans swung behind the proposal to expand the program using $2 billion from the $700 billion Wall Street bailout fund. Sen. Richard Shelby of Alabama, the top Republican on the Banking Committee, co-sponsored the bill with Dodd.


Mortgage fraud is a type of fraud committed by borrowers and professionals within the mortgage industry and it is usually committed for either profit or housing purpose. Mortgage fraud can be said to have been committed on a property when there is a misrepresentation, deception or omission with regards to the property to in order to insure a loan.
Professionals within the mortgage industry sometimes deliberately withhold or don’t give full information about their clients credit/debit, employment status, condition and value of their property in other to secure a loan for them and maximize profits on loan transactions. These details are intentionally omitted by the loan officer, title company, insurance agent, real estate agent, mortgage broker or appraiser with the aim of maximizing profits on that loan transaction and gaining extra sales commission.
Borrowers are also culpable in committing this fraud and it is done with the help of officers that are processing their loans. The main reason borrowers partake in this is to obtain or maintain real estate ownership. They omit the details of their income, credit/debit status with the knowledge of their loan officers.
The two most common fraud scams within the industry are the air loan and appraisal fraud . Loans sometimes can be obtained on a nonexistent property for a nonexistent borrower, this is called air loan. Professionals within the industry combine efforts to create a ‘ghost borrower’, nonexistent property and title on such property, fake employment verifications, phone numbers, mailboxes etc. All these are done in other to make everything appear legitimate. This fraud just puts cash in the hands of the scammers without selling or buying any property.
Appraisal fraud on the other hand is also perpetrated by the industry professionals such as the real estate agent, loan officer and loan officer joining forces to maximize a purchase price and loan amount in order to increase commission.
Government agencies are stepping up to combat mortgage fraud in all its ramifications by monitoring the real estate industry/market. Professionals within the industry are required to be properly licensed and improve their skills. In addition, the activities of companies within this industry is being monitored and audited on a regular basis to ensure adherence to guidelines and best practices.
In general the industry is being properly regulated with the hope of totally eradicating the fraud within the industry.
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The Family Fun and Activities Expo Welcomes Startups…
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Blake Griffin on this week’s cover; first Clippers cover in more than 11 yearsPosted: November 30, 2011
Clippers forward Blake Griffin graces the cover of the Dec. 5, 2011, issue of Sports Illustrated, on newsstands now. It is the fifth time that Griffin has made the cover and his first as an NBA player. For the Clippers, it is their first cover since Darius Miles appeared on the Oct. 31, 2000, issue.
The NBA and its players spent five months flirting with basketball apocalypse. Was it worth it? Speaking with senior writer Lee Jenkins (@SI_LeeJenkins), commissioner David Stern assessed the new labor agreement: “It’s nothing anybody can see when they get back on the court, but we will be a better league over time. The league will be stronger and our fans will like us better if they feel the competition is better.”
The specifics of the new CBA include the following (page 44):
- Boost to small-market franchises: League executives who have spoken to SI say that a new revenue-sharing plan will create three-to-four times greater cash flow, giving small-market owners more money to spend.
- Rules forcing owners to spend: All owners will be ordered to spend at least 85% of cap space, preventing them from hoarding their new bounty.
- Increased luxury taxes: The luxury tax will be raised in two years by 50%, with escalators kicking in for teams more than $5 million over the cap and further penalties for repeat offenders. Executives project that some clubs will still absorb the tax but not as many as before.
Sports Illustrated’s post-NBA-lockout coverage includes a breakdown of the biggest names in the free-agency market and team scouting reports—revealing each club’s strengths and needs heading into the season and where they’ll end up.


Mortgage Broker Inglis Mortgage broker kenneth city Mortgage Broker Montverde Buyer help with real estate negotiations, find homes, get a mortgage and contract to closing services for home buyers in Apopka, Winter Park, Orlando, Clermont, Montverde, Gotha, Ocoee, Winter Garden,Francis Harris III, a washington real estate broker and builder who was part. "get out from under the criticism that it’s a Tongsun Park club." Club treasurer Frank Spinetta, who is head of.Mortgage Broker Port St. John Find a Mortgage Broker | Which Mortgage Canada – Broker networks are the companies that mortgage brokers work under, and brokers working as part of one of these operations use a brand name and are sometimes able to get bonuses or increased commissions from lenders that offer incentives for companies that sell large volumes of their loans.you need to source a mortgage broker that can explore alternative financing options for you-hopefully with a B-lender.
The Bank of Canada once again maintained its target for the overnight rate at 1.75% in September, fostering an environment that will discourage mortgage. between the West and Russia, Iran.
Real estate broker Bryn Elliott gets why millennials are scared of buying. who works at Freddie Mac, the federal home loan.
A Boca raton mortgage broker, author and owner of Coastal States Mortgage Corp. stole millions of dollars in loan payoff monies to fund his own expenses, according to a criminal complaint filed.
“The blows to the market from Brexit are being countered by low supply, low mortgage rates, a robust jobs market and.
brokers and financiers as they gather for THE MULTIFAMILY EVENT OF THE YEAR! Click here to register and view the agenda. Lisa.
KALISPELL – Just days after a West Glacier mortgage broker denied federal charges of bank and wire fraud, prosecutors moved to dismiss the charges. Deanna Helen McAtee was indicted in a complicated.
Mortgage Broker Reddick We’re an independent mortgage broker firm, based in the heart of Farnham, who has been offering Welcome to The Surrey Mortgage Broker. We are a Farnham-based provider of Independent.
The EUR/USD pair moderated its advance on Friday, compliments to stronger-than-expected US data, finishing the week anyway with gains around 1.1070. Better-than-expected US data released Friday.
But if they really wanted a taste of cocoa’s riches, the West African neighbours would be better off focusing on processing beans. There’s a chance the agreement falls apart, which is why prices only.
Indian American mortgage broker Mona Das, a Democrat running for Congress from. In an interview with India-West last fall, shortly after launching her campaign, Das said she was inspired by Rep.
ST. LOUIS A mortgage broker from St. Peters has been indicted on federal charges for falsifying documents and information on two mortgages, the U.S. Attorney’s office said Friday. Robert Poynter, 50.
Mr. Bercy was at all relevant times a licensed real estate broker in California. Argus was chiefly engaged in making.
Mortgage Broker Miami Lakes Weston company invests in bonds for the good – The Miami Lakes-based BankUnited began investing in Community. Cohen, a South Florida native who graduated from Hollywood Hills High School, has been a trader of mortgage-backed securities. At.
A few days ago, I put up a spoofy post called "Five Jobs for Lousy Times and No Talent Necessary." One of my top picks was reverse mortgage broker. My reasoning: As the population ages and taps out.
The broker noted that the frequency of use was driving operating. Brent crude futures, the international standard, settled.


Silver Market Demand — A Letter from Our CFO
Posted By | October 9, 2015
The demand we are seeing today is arguably worse than the 2009-2011 demand in the silver market, making it an optimal time to invest in silver with 6-year low silver spot prices and soaring silver premiums.
Your Future and Your Legacy!
Posted By | June 15, 2018When it comes to finding refuge during financial crises, there are few investments more suitable than gold for the purpose. Time and again, history has shown gold can be the “go-to” investment for tho...
Posted By | June 13, 2018Will depositors’ stock market accounts suffer? One reason to own physical precious metals in your portfolio is to help you face an impending financial calamity. Another is to gain the peace of mind ...
Posted By | June 8, 2018Discussions of precious metals investment understandably tend to focus on the role of gold and silver in fortifying portfolios during times of economic and/or geopolitical upheaval. Modern history inc...
FIND OUT HOW
GOLD CAN BOOST


U.S. unit sales of Apple's Macintosh computers grew 26% in July over the year ago quarter, tech tracker NPD reported Monday, outpacing the U.S. PC unit sales growth of 4%.
NPD's data supports the view that sales of Apple's tablet computer are crimping demand for cheap 'netbook' computers -- not a problem for Apple, since the Cupertino, Calif.-based company doesn't sell the stripped down notebooks.
While overall PC sales grew, sales of in the 'subnotebook' category fell 13% from July 2010 following a plunge of 20% in June. The average selling price for subnotebooks rose to $521 last july from $343 in July of 2010.
The surge in Mac sales comes thanks to the July 20 launch of Apple's MacBook Air outfitted with Intel's latest processors, an updated Mac Mini, and the release of OS X Lion, the latest version of Apple's personal computer operating system.
Apple's personal computers commanded an average price of $1338, compared to $716 for the broader PC market. Apple's share of new personal computers shipped in the United States rose to 18%, up from 15% during the year-ago quarter.
"We believe Apple will continue to gain share in Macs over the long term even as the iPad grows," Ben Reitzes, an analyst with Barclays Capital, wrote in a note to investors Monday. "Given the data and our checks, our estimate for Mac growth of 18% y/y for Apple's C3Q, may turn out to be conservative even though the global economy appears to be slowing quite a bit."


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Dont be lazy and read their last reports. They have enough cash till mid 2016 but for marketing they need more cash. Most likely a partnership or buyout buy a Japanese firm.
Sentiment: Strong Buy
Had some shares from the $5 range and bought some more in the $0,60 range last months. Nothing has changed and can`t find a good reason for the run. Rumours new partnership?
Wow, that is very low. Good for my shorts! Do you have a link