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Bad Credit Plastic Surgery Loan

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Bad Credit Plastic Surgery Loan

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

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

Loans For Cosmetic Surgery

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

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

1. CashUSA

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

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

2. CreditLoan.com

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

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

3. BadCreditLoans

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

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

4. PersonalLoans

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

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

Plastic Surgery Loans For Bad Credit

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

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

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

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

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

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

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

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

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

Can You Get Bad Credit Plastic Surgery?

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

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

Larger loans are designated for individuals with good credit.

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

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

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

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

For how long can you afford plastic surgery?

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

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

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

How Much Does Plastic Surgery Cost?

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

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

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

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

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

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

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

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

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

Is Plastic Surgery Covered?

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

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

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

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

KFC’s Popcorn Chicken, Veggie Grill Bowls and More Vegan Food News of the Week

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It seems like every week in the world of vegan food news is more exciting than the last and this week is no exception. KFC is testing plant-based popcorn chicken in new regions. Veggie Grill launches a new concept, Vegan Bowls For All, with hearty bowls inspired by cuisines from around the world. And Trupo Treats is launching the world’s first gluten-free and vegan wafer bar (aka a KitKat imitator). Read on to find out more.

1KFC’s vegan popcorn chicken crumbles

KFC was a vegan wasteland until a few years ago when the chicken-centric company first branched out into plant-based chicken in the UK, where it introduced a burger Quorn-Based Vegan Chicken Breast in 2019 that has since gained a dedicated following. KFC also tested vegan chicken in its home market, the United States, with Beyond Meat as its vegan chicken partner.

In addition to burgers and tenders, KFC has branched out into new formats with plant-based popcorn chicken in several regions, including Canada and Thailand. This week, KFC decided to expand the format to Australia with the limited-time launch of Plant-Based Popcorn Chicken at participating locations in the New South Wales region.

KFC Australia

Called Wicked Popcorn, the vegan chicken is made from pea protein and will be on the a la carte menu, in a bowl and as part of a combo meal for a month-long run (until September 5) and is coated in the same spices as its meat-based Wicked Wings.

“We are delighted to serve Wicked Popcorn, an innovative product that offers more choice on our menu,” KFC Australia spokeswoman Sally Spriggs said in a statement. “We hope they enjoy this meatless option that delivers that great KFC taste our fans know and love.”

This is the first time KFC has added vegan chicken to its menu in Australia, the chain is taking extra care to let consumers know that Wicked Popcorn can share the same equipment as its animal-based chicken.

2Veggie Grill enters vegan bowls

Veggie Grill is like that trusted friend who always comes around and the vegan fast food chain is launching a new way to meet your vegan dietary needs. Enter Vegan Bowls For All: a delivery-only concept that operates from the kitchens of all 29 Veggie Grill locations. The menu here revolves around six nutrient-dense bowls: Cali-Grains Bowl, Korean Kimchi Bowl, Chickpea Curry Bowl, Thai Coconut Curry Bowl, Harvest Bowl, and Ranchero Bowl.

VegNews.VeganBowlsforAll.VeggieGrillVegan bowls for all

The new concept expands Veggie Grill’s mission to make vegan food more accessible to everyone. Additionally, the chain operates Más Veggies (a vegan taqueria concept) and Stand-Up Burger (American comfort foods made vegan).

“We wanted to introduce convenient and affordable options designed to keep consumers optimally nourished while supporting the health of the planet at the same time,” Veggie Grill co-founder TK Pillan told VegNews. “Our mission is to provide 100% plant-based foods that satisfy cravings and moods of all kinds, and Vegan Bowls For All reinforces that mission.”

Bowl lovers will be able to order from Veggie Grill’s new Vegan Bowls for All concept starting August 17 for delivery through DoorDash, Postmates, Uber Eats and Grubhub during lunch and dinner hours.

3Hooray’s vegan bacon is on the rise

Amid the wildfires that raged through California in 2019, Sri Artham confronted his angst over the climate crisis: by creating vegan bacon that was better for the environment and kinder to pigs than animal farming. . Since its launch in November 2020, the company has sold 4.2 million slices of vegan bacon and Hooray Foods isn’t stopping its growth and innovation anytime soon.

Last month, the company announced a new version of its plant-based bacon. After a year of development, Hooray’s new bacon offers an improved flavor, texture and nutritional profile.

VegNews.VeganBacon.HoorayFoodsHooray Foods

“Since our debut in late 2020, we have focused on meat eaters and flexitarians as they are a key demographic in driving our mission to create a healthier planet in the future,” Artham said in a statement. communicated. “Taste has always been the biggest hurdle for people trying plant-based meats, so from the moment our original bacon hit stores, we knew there was more work to do. TO DO.”

This week, Hooray’s Bacon expanded distribution to 100 Raley family of store locations in Northern California and Nevada under their Raley’s, Bel Air and Nob Hill Foods banners. In Massachusetts and Connecticut, 46 Big Y stores now carry retail packaging of Hooray Foods bacon in its plant-based frozen section. And grocery delivery service Good Eggs also offers Hooray’s vegan bacon to customers in the San Francisco Bay Area and Los Angeles. With this expansion, Hooray’s Vegan Bacon is now available in over 1,000 stores.

4Gluten Free Vegan KitKat Copier

KitKat but make it vegan but also make it gluten free? According to Trupo Treats, a candy brand offering vegan versions of all our childhood favorites, that’s not too much to ask.

VegNews.VeganWaferBar.TrupoTreatsTrupo sweets

Founded by twin brothers Brian and Charlie Trupo, the brand’s newest creation is Vegan Wafer Bars, which is designed to look like KitKats but is free from common allergens, including gluten, tree nuts (except coconut) and dairy products. The first and only vegan and gluten-free candy bar, the treat is made with Rainforest Alliance certified cocoa and comes in recyclable packaging.

The new Vegan Wafer bars are available for pre-order starting today via Trupo Treats, which has also veganized other childhood favorites such as Rice Crunch bars in white chocolate and “mylk” (think the Nestlé Crunch bar); Mylk Chocolate Caramels (like a giant Rolo or rounder Caramello); and more.

VegNews.TrupoBrothers.TrupoTreatsTrupo treats: Brian and Charlie Trupo

Animals being the main motivation of the brothers, the company donates a portion of its sales to animal shelters and charities working for animals. Trupo Treats has donated $10,000 since it began operations in the summer of 2020 and the brothers hope to donate at least $1,000,000 each year.

For the latest vegan news, read:
With a fleet of electric trucks, Beyond Meat is even more sustainable than beef
How Vegan Ribs Help Anheuser-Busch Make More Sustainable Beer
Quinoa May Help Prevent Type 2 Diabetes, New Study Finds

JUST LAUNCHED!
Vote for the 2022 awards for the best vegan ice cream in the United States.

VOTE HERE

These researchers reveal the beauty secrets of the Renaissance

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Art historian Erin Griffey is a specialist in beauty. “I’m one of those people who reads the back of beauty products,” she says. That’s why, while working on a book about the culture of beauty in Renaissance Europe, Griffey experienced deja vu.

She noticed that many of the ingredients in beauty recipes from the 16th to 18th centuries – compiled from books, collections of cosmetic recipes, medical texts, manuscripts of health regimens, herbs and pharmacopoeias – also appear on modern beauty packaging. For example, rose water is used in modern skin moisturizing mists, and sulfur is found in some over-the-counter acne creams.

Such similarities are clues to why people in the Renaissance era used the products and how the products worked. But they are not the whole story. This is because old recipes often also list bizarre or even dangerous ingredients, from bile acids and calves’ hooves to lead and the poisonous plant bryonia. To better understand, Griffey wanted to recreate the recipes. So she turned to her colleagues at the University of Auckland in New Zealand. Thus was born the Beautiful Chemistry project.

The team started with what Griffey calls “sticky recipes” because they are found in many sources throughout the Renaissance period: rosemary blossoms in white wine, myrrh powder with egg white and the velvety cover of newly grown deer antlers with bean flour.

Recipes tend to be vague and varied. So chemist Michel Nieuwoudt and his team experiment with the measurements and procedures while Griffey searches various sources for more clues about ingredient types and ratios.

“We knew we couldn’t recreate it exactly as is,” Griffey says of the recipe for rosemary blossoms in white wine. “We don’t have access to the rosemary plants that grew 500 years ago or the wines and whatever their chemical composition.” But this track work “allowed us to get closer to an approximation.”

Nieuwoudt and his team boiled rosemary flowers in round-bottomed flasks, each filled with a different solution: sweet white wine, dry white wine, ethanol in water, or brandy. After the researchers filtered the flowers and analyzed the resulting mixtures using gas chromatography and mass spectrometry, they found chemical compounds that are common in skin care products from today, including soothing camphor, eucalyptol, and fragrant alcohol linalool (SN: 07/22/02).

The Renaissance-era recipe stated that the potion would “make the face fair.” Nieuwoudt’s findings suggest how: by toning and hydrating the skin.

Left photo: A glass container with rosemary flowers boiling in white wine.  Right photo: Two corked bottles on a white background.  The bottle on the left contains the light-colored liquid resulting from rosemary flowers and wine.  The straight contains an extract of a myrrh concoction and is darker in color.
A Renaissance-era recipe for a potion to ‘clear skin’ calls for boiling rosemary blossoms in sweet white wine (left). Chemists recreated the recipe and found the resulting liquid (right) – pictured in the Renaissance-style bottle on the left – contains camphor, eucalyptol and linalool, suggesting the product acts as a toner skin moisturizer. The bottle on the right contains the extract of a concoction of myrrh.E. Griffey, M. Nieuwoudt

The team also made progress in uncovering the secrets of myrrh powder and egg whites. Experiments suggest that myrrh extracts proteins from egg whites and that egg whites extract resins, sugars and volatile substances from myrrh. The result is a serum-like product that has antiseptic and anti-inflammatory properties and likely stimulates collagen growth, Nieuwoudt says. “There seems to be a synergy between all these different ingredients, and that’s why it works.”

As for what the deer velvet and bean flour may have been used for, the researchers are still unveiling the results. And they haven’t yet addressed recipes with dangerous ingredients.

Eventually, the researchers hope to perfect their recreations and bring the products to drugstore shelves – without, of course, all the dangerous ingredients. “I think people will want to go back to something natural, and it’s also appealing to people to think they’re using Renaissance products,” says Nieuwoudt. Until then, the beauty for researchers lies in “digging [the recipes] understand them and understand them.

Things to do in DC this weekend: festivals, exhibits, sports

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No plans this weekend? Here are some last minute things to do:

Local festivals and events. For a day full of beer, bikes, cars and raffles, you can head to Exhibition “Bikes, wings and wheels” of the capital wing (Sat, $0+, Culpepper) where you can enter your car or bike for a chance to win a prize. Or, enjoy food, live music, games and more at one of these fun festivals: RTC Streetfest (Sat, Free, Reston), Sausage Party at Wunder Garden (Sat & Sun, free, NOMA), Wave party (Sat, free, downtown), Viva Cultura Festival (Sat, Free, Arlington), or a festival celebrating Asian art and music (Friday, free, the National Mall). Go for the gold Lake Anne Cardboard Regatta (Saturday, Free, Reston) where you can build and sail in a boat you made yourself.

Stop a movement. Dance your heart out Hip-hop neighborhood party (Saturday, free but registration required, the National Mall). If you want to learn how to ballroom dance, go to this free site salsa lessons (Fri, free, The Wharf) where samba lesson series at the Brazilian-American Cultural Center (Thu-Mon, $15+, Columbia Heights). Learn to play the drums and dance at Percussion and Brazilian dance workshop (Saturday, free, College Park).

Interesting exhibits. Check out one of these free exhibitions happening in the city this weekend: Apollo 11 exhibition (daily, free, Tenleytown), people from afar (opens Sunday, free, Georgetown), and that free screening of Banksy and the rise of outlaw art (Sat, free, downtown). You can also take an educational tour at National Mall History Walk: Slavery and Emancipation (Sun, free, the National Mall), explore a museum Experience Summer Museum Day at the Phillips Collection (Saturday, free but registration required, Cercle Dupont), or look for secret doors to After Hours at the O (Thursday, Fri and Sat, $35, Dupont Circle).

Bring the puppies. It’s party time for pets summer splash party (Friday, $15, park view), where they cool off from the summer heat. You can also bring your pet barking hour (Sun, free, NOMA) Where College Mixers Night at Bark Social (Fridays, Free, Bethesda) where they can make new furry friends.

Shop till you drop. Elevate your back-to-school wardrobe and accessories at Alexandria Summer Sidewalk Sale (Sat, free, Alexandria) Where Pop-up Summer is not over (Saturday, $0+, Clinton). If you’re looking to get some new piercings, head over to The summer of the stallions of SHELTER (Saturday, free, Union Market).

See a show. Listen to live jazz on Betty Carter Jazz Ahead Showcase (Thursday and Friday, free, Foggy Bottom) Where jazz in the park (Sat, free, Dupont Park). Or attend a free performance of youhe 257th Army Music (Thursday, Free, Arlington), Where to make fun of comedy calls (Friday, free, Petworth).

For a sports weekend. You can watch the game on the jumbotron at DC United Watch Party (Saturday, free, The Wharf) Where To see the Nationals take on the Padres (and former teammate Juan Soto) at Nationals Park (Friday-Sunday, $12+, Navy Yard). If you are a baseball fan, go to Display of baseball sports card collectibles (Saturday, free, Fairfax) to see (and maybe even buy) some cool cards.

Enjoy nature. Do your part to help the planet by participating Shepherd Drive Community Cleanup (Saturday, Free, Congress Heights), Alexandria Rivergate Park Cleanup (Sat, Free, Alexandria), Where Volunteer Open Day for Arcadia in Woodlawn (Saturday, free, Alexandria). Be guided by an expert in the garden at Explore the Pollinator Garden at Accotink Lake Park (Sun, free, Springfield) or learn all about butterflies at monarch day at Sky Meadows State Park (Saturday, $10, Delaplane).

Free movies. This week’s outdoor screenings include Teenage Mutant Ninja Turtles (Fri, free but registration required, National Landing); Nanny McPhee (Sun, free, National Port); Sing in the rain (Game, Free, National Port); Spiderman: No Coming Home (Game, Free, The Wharf); minari (Saturday, Free, Arlington); dirty dance (Friday, free, Union market); and Encanto In both cases georgetown (Tuesday, free), the Mosaic District (Thursday, free), Where Arlington (Fri, free).

Cheaper dupes for Alia Bhatts’ favorite serum for glowing, hydrated skin

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Have you ever wondered what Alia Bhatt uses to achieve her enviable flawless skin? Although it was the result of a few skincare products, we discovered her favorite serum that she always uses in her morning skincare routine to achieve glowing skin.

Here is the exact serum that Alia uses and her five cheaper dupes since the brand isn’t even available in India.

Alia Bhatt uses Glow Recipe Watermelon Glow Niacinamide Dew Drops serum for glowing skin

Credit: YouTube/Alia Bhatt

In a previous video on her YouTube channel, the actress revealed that she loves applying this serum to her face and neck to treat a range of common skin concerns. It’s formulated with niacinamide, watermelon, hyaluronic acid, and moringa seed oil to give you dewy, luminous skin while treating pigmentation, dullness, acne marks, and more Again.

Credit: Instagram/glorecipe

1. Aqualogica Radiance+ Concentrated Face Serum, Rs 599

© Aqualogica

This serum from Aqualogica is the closest dupe to Alia’s favorite serum that you will find in India at an affordable price. It contains the combination of similar ingredients of niacinamide, watermelon and hyaluronic acid to give you a dewy glow and moisturize the skin.

Buy it here.

2. Deconstructed brightening serum, Rs 699

Alia Bhatt's favorite serum © Deconstruct

Deconstruct’s Brightening Serum is a blend of Niacinamide and Alpha Arbutin that tackles pigmentation, uneven skin tone and dullness to give you a brighter, clearer complexion. It also protects the skin from UV rays.

Buy it here.

3. Earth Rhythm Barrier Support Face Serum, Rs 549

Alia Bhatt's Skincare Routine © Rhythm of the Earth

Similar to the Glow Recipe Serum, this one also contains Niacinamide and Hyaluronic Acid as key ingredients. Plus, it contains phytoceramides that do the same job as watermelon – increase the level of hydration of the skin. The best part is that it’s the cheapest option on this list.

Buy it here.

4. Derma Co 10% Niacinamide Face Serum, Rs 599

Dupes for Glow Recipe Watermelon Glow Niacinamide Dew Drops © The Derma Co

This serum is formulated with 10% Niacinamide which aims to reduce acne marks, excess oil, uneven skin tone and prevent pimple formation. All of these will improve your skin health and give you a smooth, flawless complexion like Alia.

Buy it here.

5. Dr. Sheth Centella & Niacinamide Serum, Rs 649

Dupes for Alia Bhatt's Favorite Serum Glow Recipe Watermelon Glow Niacinamide Dew Drops © Dr. Sheth

This serum is specially designed for Indian sensitive skin. It contains barrier-enhancing niacinamide, acne-fighting zinc PCA, and soothing centella and licorice. Apply it twice a day to see visible results.

Buy it here.

Social credit and prospect: Instagram/aliaabhatt

ACCC Opens Brief Bidding Period for IVE Bid for Ovato

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The Australian Competition and Consumer Commission (ACCC) is inviting submissions on IVE Group’s proposed acquisition of Ovato – announced this week – and the likelihood of lessening competition.

“IVE Group (IVE) (ASX:IGL) proposes to acquire all or substantially all, or one or more material parts, of the business or assets of Ovato Limited and its subsidiaries,” the statement said. ‘ACCC. “IVE and Ovato both provide heatset web offset printing services, which are used to print advertising catalogs and magazines.

“Given that Ovato is under administration, the ACCC is undertaking its investigation on a truncated basis and is seeking submissions by August 17, 2022,” the commission said.

“The ACCC will post a tentative decision date on its Merger Registry in due course, however, industry participants should expect the timeline to be significantly shorter than the informal reviews typical of US mergers. ACCC.”

Screenshot 2022 08 11 at 14.05.49A corporate regulator, the ACCC is an independent statutory authority that reviews whether mergers or acquisitions are likely to significantly lessen competition.

“Submissions are invited from interested parties regarding IVE’s proposed acquisition of Ovato,” he said. “We seek your opinion on:

– whether customers of catalog and magazine printing services require particular types of printing methods (e.g. heatset web offset printing) to produce printed materials tailored to their needs, including extent to which coldset web offset printing is a viable alternative

– whether demand for catalog and magazine printing services has changed, including the extent to which clients are shifting from print materials to digital or online publications and marketing

– the availability of other catalog and magazine printing service providers, and how the alternative compares to IVE and/or Ovato on factors such as price and quality

– the extent to which providers of other printing services (e.g. newspaper publishers) could print catalogs and magazines competitively

– the likelihood of new entry or expansion into the supply of catalog and magazine printing services in Australia, including costs and timescales (e.g. finding printing presses and staff)

– what would happen to Ovato’s business/assets if the sale to IVE did not take place, and

– any other competition issues relevant to the ACCC’s review of the proposed acquisition.

The ACCC says it will treat any comments confidentially and will not release any submissions regarding the proposed acquisition.

“We will not disclose Submissions to third parties (other than our advisers/consultants) unless required to do so by law (for example, under Freedom of Information legislation or in a legal proceeding court) or pursuant to Section 155AAA of the Competition and Consumer Act 2010. Where the ACCC is under a duty to disclose confidential information, the ACCC will notify you in advance where possible so that you may have an opportunity to be heard. Therefore, if the information provided to the ACCC is of a confidential nature, please indicate so. Our guidelines on the informal merger review process contain more information on the privacy.

Send your comments to [email protected] with the subject line “Submission regarding: IVE/Ovato – attention Olivia King / Stella Leung” or call Olivia King on (03) 9290 1498 to arrange a telephone discussion.

SIDS call for more solutions to climate change and debt burden – NationNews Barbados – nationnews.com

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posted on

President of the United Nations General Assembly (UNGA), Abdulla Shahid – GP

St John’s – The President of the United Nations General Assembly (UNGA), Abdulla Shahid, has called for a solution to the long-standing debt burden faced by Small Island Developing States (SIDS).

Addressing the two-day SIDS conference which ended in the capital of Antigua and Barbuda on Tuesday, Shahid said SIDS faced several situations that were not of their making, ranging from the impact of climate change to that of debt consolidation.

He said the debt situation “leads us to borrow at high rates, which in turn contributes to increasing debt in a vicious circle” with a crisis that worsens the debt burden.

“The need for a long-term solution to the debt crisis we face is indeed critical,” he said. “The debts faced by SIDS around the world are unsustainable and immoral.

“To remedy this, global financial systems must be streamlined, so that future debt servicing takes into account the vulnerabilities faced by countries in special situations and the impact of onerous debt in their efforts to better recover.

“We know there is no one size fits all as we strive to get back on track to meet the SDG (United Nations Sustainable Development Goals) targets, we need to be aware of the limitations of measures of traditional development.”

Shahid said SIDS continue to pay the ultimate price for problems they did not cause in the first place, referring to the impact of climate change on these developing countries.

“I take this opportunity to stress the need to ensure that SIDS remain a priority for the international community, including partner governments at the United Nations,” he said.

“We need unity and solidarity to rebuild and prioritize the long-term recovery of our islands.”

Shahid said that currently one-third of SIDS’ 65 million people live on land five meters above sea level, making them extremely vulnerable to rising sea levels. sea.

“In my own country, the Maldives, a nation made up of 1,192 low-lying islands, this threat is a daily reality,” he said. “The vulnerability of SIDS to the climate crisis goes beyond the impact on our environment.”

Earlier, Antigua and Barbuda Foreign Minister Chet Greene said that with seven more years to go until the SDGs are concluded, there are still several challenges facing SIDS.

The Antigua and Barbuda conference provides an opportunity for delegates to consider the issues that impede their sustainable development.

It is organized by the Alliance of Small Island States (AOSIS) in partnership with the governments of Denmark and the United Kingdom.

It is presented as an event-driven springboard for achieving the Sustainable Development Goals in SIDS.

(CMC)

42 recruits make up largest academy for state conservation officers

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Start of DOCARE Academy (August 8, 2022) PC: DLNR Hawaiʻi

A total of 42 recruits are training through the state’s largest academy for conservation officers with the Land and Natural Resources Conservation and Resource Enforcement Division.

37 men and five women began their training on Monday, which includes nine months of classroom instruction followed by two months in the field under the supervision of a trainer.

By this time next year, if they are all successful, DOCARE will have dozens more conservation officers to bolster the ranks in the agency’s four branches: O’ahu, Hawai’i Island, Maui and Kaua’. i.

“This is the biggest academy we’ve ever held,” said DOCARE chief Jason Redulla. “This is our third academy, and the second for recruits who have no prior law enforcement training or experience. This comes at a critical time for us as the pressures and impacts on Hawaii’s ever-increasing natural and cultural resources. These individuals will assist our current officers in educating those using State lands and ocean waters.”

The addition of new officers received support from Governor David Ige and the Hawaii State Legislature. DLNR/DOCARE is in partnership with the Department of the Attorney General, Department of Accounting and General Services, and Honolulu Community College, which is part of the University of Hawaii system and was instrumental in the design of the academy program.

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Lt. Carlton Helm directs the academy program for DOCARE and describes the adaptive and flexible attitude recruits will need to adopt to succeed and become sworn officers.

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“The pandemic has really highlighted the need for resilience and adaptation and fluidity to the working and professional environment in which we work. For example, a DOCARE agent on the island of Hawaii may have to respond to Mauna Kea hunting areas one morning, then find themselves responding to the Puna or Volcano rainforests in the afternoon. Teaching these recruits how to be adaptive and fluid is an important part of their training. Their body, mind and spirit will have to adapt,” Helm explained.

The mission to provide round-the-clock protection to a monk seal mother and calf on Kaimana Beach in O’ahu, provides a real-time example of the need for additional conservation officers in the state. “Adding new officers will be critical not only to meet regular patrol needs, but will help DOCARE ensure we have adequate coverage for large, time-consuming missions, as well as bolster our ranks for special missions on other islands in times of need,” Helm said.

MLS vs. Liga MX: A rivalry designed for the All-Stars

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This year’s game will mark the 26th MLS All-Star Game in league history. In years past, this game has pitted the best players in the Eastern and Western conferences against each other, although the last time this format was used was in 2004. From 2005 to 2019, only one All-Star team has faced an All-Star team shortlisted European football, including Chelsea, Manchester United, Real Madrid and Juventus among others.

Last season, however, the league decided on a new format. Instead of bringing teams from across the pond, they looked a little closer: across the southern border. Liga MX and MLS have been growing side by side for years, and now we can see who has the right gear when the best players from each league go head-to-head each year.

Before the festivities begin, let’s break down the teams that will be on the pitch at Allianz Field this Wednesday.

From Major League Soccer, we have 26 players representing the American league. 16 of the league’s 28 clubs have at least one player on the list, with LAFC leading with three (Diego Palacios, Carlos Vela and Ilie Sánchez). NYCFC had also selected three players, although striker Taty Castellanos has since packed his bags for Spain, having joined Girona in La Liga on loan. He has since been replaced by Brandon Vazquez of Cincinnati.

On the other half of the field, the Liga MX All-Stars will play for only the second time. Their 26-man roster includes players from 13 of the league’s 18 clubs. Defending champions Atlas have seven players in the squad, with their coach, Diego Cocca, on the sidelines.

Between the two teams, a total of 12 nations will be represented. Mexican players make up the largest group of All-Stars, with 15, while the United States and Argentina are tied for second with 9 apiece. Full rosters for the Skills Challenge and All-Star Game can be found at the links below:

The story of the most viral salad of 2022

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Last week, on another sweltering summer day in Paris, I was again at the counter shoveling tomatoes drizzled with spicy, crunchy, garlicky chilli into my mouth. The sauce flowed freely into the bowl, forming oily, crimson swirls. The habit started in the name of research: tasting the salad that the Internet will not be silent about. But where did the crispy tomato-chili combo come from, and why was it suddenly all the rage?

Crispy chili is said to have arrived on the scene in 1997, when Tao Hubi, owner of a popular noodle shop in China’s Guizhou province, began selling his famous homemade chili sauce under the name Lao Gan Ma. ‘it’s unclear who first combined the condiment with fresh tomatoes, word of mouth and Google led me to Andy Baraghani, whose new cookbook, The cook you want to beincludes a recipe for smoothed tomatoes with an Italian-inspired homemade chili crisp.

“It’s a game about textures and temperatures,” Baraghani told me over the phone last week. “You have these fresh, juicy tomatoes that are seasoned and sour, and then you have hot, flavorful, crunchy oil on top.”

While Baraghani’s salad calls for fennel seeds and cooked anchovies, many recipes doing the rounds on social media are limited to just two ingredients: tomatoes and a crispy store-bought pot of chili.

Best-selling cookbook author Jess Damuck Salad Monster (our current SAVIOUR Cookbook Club Pick), backs this less-is-more viral salad approach and said in an interview that crispy chili is found in almost everything she eats these days.

Author and Roads & Kingdoms founder Matt Goulding sees tomatoes and crispy chili as a sandwich situation. He wrote in an email that he drizzled crispy chili over thick slices of tomato with a generous layer of mayonnaise on lightly toasted, crustless white bread.

All that mouth-watering research is the reason I got addicted to the Crispy Tomato-Chili Combo. Back in my kitchen, I quartered some ripe tomatoes and added a little rice vinegar, a sip of oil and a pinch of flaky salt. Next comes a generous dollop of crispy chili from my neighborhood Asian grocer, the perfect peppery topping for the fresh tomatoes. After a few bites, I tossed in some leftover mozzarella di bufala and added even more crispy chili. And that’s the beauty of summer salad, it’s what you do with it.

Accelerate fiscal consolidation efforts to restore credit downgrades – Economist

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Minister of Finance, Ken Ofori-Atta

Economist Courage Martey called on the government to accelerate efforts to improve the country’s fiscal consolidation position in the short to medium term.

The call comes on the back of international ratings agency, S&P Global Ratings has pushed Ghana’s debt situation further into speculative territory, downgrading its sovereign ratings in foreign and local currencies to CCC+/C from B-/ B with a negative outlook.

Reacting to the development, Courage Martey said measures to accelerate Ghana’s path to fiscal consolidation will restore current downgrades by some rating agencies.

“There are a number of things that need to be done for us to get an upgrade. Much of this depends on the replenishment of fiscal and external buffers, as this has been the primary concern for investors. There must be an improvement in our budget deficit situation. Now if you look at the statement from S&P, for example, they basically looked at the need to run a primary surplus equivalent to 2% of GDP,” the economist told Citi Business News.

“It is a tall order although the government has already signaled that it is striving to achieve a primary surplus equivalent to 0.4 of GDP. We are not far off from where the fiscal position should go, except that it is moving slower than the ratings agencies expected, so the government should be able to pick up the pace of fiscal consolidation, which would be good news to get us back above the current degraded levels. where we found ourselves,” he added.

Meanwhile, the current downgrade by S&P Global Ratings further threatens Ghana’s debt sustainability efforts, with many investors demanding a higher credit risk premium.

The downgrade will further increase the cost of borrowing and servicing the country’s existing debts.

Watch the latest episode of BizTech below:

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Why Focusing on the Effectiveness of Traditional Ayurvedic Ingredients is Key to Global Growth

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Tvachamrit was inspired by the founder of Ayurvedic home remedies that Aastha Jain grew up with.

It debuted in 2018, offering modern versions of familiar Ayurvedic concoctions like Ubtans – a multi-functional skin care product made with ingredients like turmeric, rose water and other traditional Ayurvedic ingredients.

Aastha told our Independent Pioneers​ podcast that she believes Ayurvedic beauty brands have huge opportunities on the international stage, given the demand for effective natural ingredients.

“I feel like over the past few years Ayurveda has evolved a lot in India, but there is still room for it to grow globally… And as I I said, people are looking for products that have the results of cosmeceuticals, but they want the ingredients to be plant-based.

She pointed out that the trendy bakuchiol is derived from an Ayurvedic herb called bakuchi.

“It’s like a plant-based alternative to retinol, and it’s in high demand, not only in India, but also in the United States and everywhere. There are a lot of these natural alternatives that one could turn to, and that’s where Ayurveda comes in. So overall, I feel like the whole market could be based on the Ayurveda in a few years.

The company is currently focused on strengthening its foundation in India, but Aastha said her goal is to grow Tvachamrit’s global presence.

“I really want to establish Tvachamrit in the West, because it’s a relatively new concept there compared to India. I’m also very interested in health and wellness, so I also want to foray into the spa and wellness industry.

Previously, CosmeticDesign-Asiareported that the brand grew 100% year-over-year in 2021.

While brands like The Ordinary are gaining popularity in India right now, Aastha isn’t bothered by the competition, believing beauty consumers will return to the tried and tested Ayurvedic remedies they know.

“At the moment there is a trend towards actives and acids and all because they show results a little faster. But what I feel is that at the end of the day it is not It’s not sustainable to use so many acids and so many bioactive compounds on your skin, so people will always go back to oils and stuff, that’s where Ayurvedic beauty comes in.”

The company is set to launch more Ayurveda-based products based on its research into ancient practices.

“There is research being done almost every day. We also have three Ayurvedic doctors in our team. So a lot of our knowledge about formulations also comes from there,” Aastha said.

For more from Aastha and Tvachamrit, check out our podcast above, or on Spotify, Apple Podcasts, Google Podcasts, and more.

The Year of Miracles: Ella Risbridger Cooks to the End of the World

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The new culinary memoirs of British journalist Ella Risbridger The year of miracles was not, she informs us in her first sentence, “intended to be” a book on bereavement. It was meant to be a cheerful little book about hosting dinner parties, a happy sequel to Risbridger’s 2019 hit. midnight chicken, on how she cooked to cope with her depression. “But what can you do?” Risbridger continues. Grief “penetrates everything”.

Part of the charm of midnight chicken was how Risbridger referred to his beautiful life on the page: a quirky, comfortable, bookish love life with his partner the Tall Man (real name John Underwood) in their Tiny Flat. It was marred only by the tragedy concealed on the last page of the acknowledgments: Between Risbridger handing over his manuscript and midnight chicken upon discharge, Underwood had died of a rare form of lymphoma at the age of 29. (Risbridger gives Underwood and the rest of his friends a pseudonym in The year of miracles. Here it becomes Jim.)

The year of miracles is Risbridger’s account of how she navigated her way through the heartbreak that followed. And because it’s unfolding, ominously, in 2020, she’s not only mourning the loss of her partner, but the loss of an entire pre-pandemic way of life.

“This is supposed to be the year the world, my world, starts over;” Risbridger writes as she hears the news of the pandemic for the first time. “This is not the year the world is supposed to end, because my world is already over.”

The world doesn’t quite end, and Risbridger continues to cook through it. She cooks leftover pie for her new roommate, because she loves him; Crisis Cardamom Coffee Banana Bread, because everyone was making banana bread at the start of the lockdown; Turkish eggs, because Jim would have hated them and he’s not here to oppose them anymore.

It is this last question, what to do now that Jim is no longer around to make his objections known, that leads Risbridger to some of his most touching passages. She spent years of her life as Jim’s guardian, guiding him through chemotherapy and all the horrors that come with it, made “subordinate, essentially, in a way that no other adult relationship requires” . Now that Jim is gone, she has space to reflect on her own preferences and to deal with the guilt and horror surrounding that space.

With her roommate, she invents “the Finger of self-esteem: you raise a finger, to indicate a desire that has no reference or recourse to anyone else, and you say ‘self-esteem!’ “. Jim loved and she hated, and she indulged in meals with very little meat, like Turkish Eggs with Garlic Yogurt.

A chapter heading of The year of miracles.
Elisa Cunningham

You can successfully cook from these recipes, more or less. The Vietnamese-flavored rice bowl Risbridger dubbed Coconut Pow is bright, crisp, and sweet, though its many parts make it tricky to put together unless, like Risbridger, you’re already used to canning pickled radishes. quickly and salted mango in your fridge. When I followed her recipe for cardamom buns, I discovered that she had left out a few details on how to construct them so that I couldn’t seal them properly and the spicy buttery filling was stale. leaked buns during baking. They were still absurdly delicious.

But the recipes here are more indicative of Risbridger’s personality than anything else. They’re organized chronologically, with 12 chapters, one for each month of the year, and they’re optimized specifically for the way she manages her personal kitchen. As such, it still specifies the exact color and flaky nature of the type of sea salt you should use, but when a recipe calls for regular table salt, it tells you to grind your flaky sea salt to dust. , because she never remembers to keep regular table salt in stock.

What you’re really reading here is Risbridger’s lively and evocative prose, which is never more compelling than when describing the sheer joy of her food. Roasted eggplant is “blistered and blackened, chewy and delicious”; fresh dukkah is “a beautiful sunset orange” that makes every salad “a riot”; soy-marinated eggs are “sticky” with “golden, runny yolks”. Periodically, she peppers her instructions with authoritative repetitions (“I know your life, and you don’t need more flour”) and shameless admissions (“I have a thing for adding leftover sour cream and chive dip, but I understand it’s awful”).

Bouncing against Risbridger’s prose are Elisa Cunningham’s whimsical watercolor illustrations, which range from two-page paintings of the neighbor’s cat in Risbridger’s bug out garden to half a lemon rolling around the bottom margin of a parsnip purée recipe. They’re sweetly messy sketches, matching the sweetly messy energy of this home cook’s cookbook.

And that’s ultimately what you read The year of miracles for: sweetness and disorder. Cardamom buns that crumble in the oven but are still buttery and high in sugar and spice. A tale of a heartbreaking life that wasn’t meant to exist, and a world that ends again and again and still manages to retain its beauty and charm.

That’s what makes this cookbook-memoir exuberant, unstoppable, and triumphantly on the side of love and life in the face of death, loss, and grief.

The year of miracles is now available in bookstores. For more recommendations from the world of culture, check out the A good thing archives.

How To Do Low Jacks – Muscles Worked, Benefits & Alternatives – Fitness Volt

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A variant of the classic jumping jack, low jacks are a cardio exercise based solely on body weight that burns fat, improves your cardiovascular fitness and strengthens your core and leg muscles. It is also simple to make, relatively low impact and a very practical option that requires little space.

Check out our comprehensive guide below to learn more about performing the moves correctly, the benefits, variations, muscles worked and more.

In this exercise:

  • Target muscle group: Lower body
  • Type: cardio
  • Mechanical: Compound
  • Equipment: N / A
  • Difficulty: Beginner

How to make low jacks

Although low grips are a simple exercise, it is important to understand proper body positioning, technique, and movement execution. Below we have included step-by-step instructions on how to perform low grips safely and effectively.

  1. Stand with your feet placed just outside of shoulder width, then bend your knees and squat down until your upper legs are slightly above parallel to the floor. Relax your arms at your sides.
  2. Tense your abdominal muscles, jump your feet together while keeping your knees bent, then jump your feet back to the starting position while simultaneously extending your arms overhead or interlacing your hands and holding them in front of you.
  3. Repeat for the desired duration or number of repetitions.

Check out the video tutorial below.

Exercise tips for low grips

We’ve included some tips here to make sure you prevent injury and get the most out of this exercise.

  • Avoid spreading your feet too far apart beyond shoulder width. It’s not only dangerous for your knees and ankles, but it doesn’t make the exercise more effective.
  • Remember to keep your knees bent throughout the exercise. This activates the lower body and core muscles more, which is one of the main advantages over conventional jumping jacks.
  • Beginners should start slow and perform low jacks at a slow pace, ensuring good form before increasing the intensity.
  • Perform low grips at a faster pace to ramp up the intensity.
  • Perform low jacks on a softer surface like an exercise mat to reduce the impact on your joints.

Advantages of small valets

Why should you include low grips in your fitness program? Let’s talk about the benefits of this activity without equipment.

Burn calories, lose body fat

Jumping jacks have a high MET (metabolic equivalent of task), which means they burn a pretty decent amount of calories when performed at moderate to high intensity.

Although low holds can be performed at any pace, they are a great option for different fitness levels. Therefore, you can slow them down or speed them up to burn more calories, which could lead to increased fat loss. But remember that your overall nutrition and exercise habits will ultimately determine your weight loss success.

Learn more about the MET value and get an estimate of how many calories you’ll burn during jumping jacks based on weight and intensity.

Improve your overall health

Exercise helps ward off chronic disease, helps with weight management, and has benefits for mental health and well-being. Not to mention that with the rapid advancements in technology and the increasing number of people sitting down to work for more than 8 hours a day, people are becoming more and more sedentary, which is not good.

According to an article by the Centers for Disease Control and Prevention, getting at least 150 minutes of physical activity per week reduces the risk of heart disease and stroke, two leading causes of death in the United States (1).

Going further, the same publication found that 110,000 deaths of American adults aged 40 and over could be prevented with just ten extra minutes of moderate-to-vigorous exercise per day (1).

Convenient Cardio Workout

Because low jacks can be performed from almost anywhere, there’s no excuse for not maintaining your fitness whether you’re indoors or on the go. Play your favorite tunes or sit in front of the flat screen and you’ve got a great cardio activity that brings tons of benefits.

No equipment needed

Bodyweight exercises have pros and cons, but if you’re new to fitness, or need a quick and easy way to get your heart pumping (which has many benefits on its own) without setup no equipment required, so low jacks are perfect. the solution.

Relatively low impact

Low grips are not a non-impact exercise because they involve jumping the feet together. However, compared to jogging, running, and other forms of activity, they are always easier on the joints when done with proper technique. These types of exercises are best suited for people who are slightly overweight. However, it may not be the best option for people with limited mobility and flexibility.

3 variants of low jacks

While low jacks are an effective cardio option without equipment, these variations offer some variety and possible benefits.

1. Jumping Jacks

Jumping exercise

The legendary jumping jack has stood the test of time from its use in military fitness evaluations to physical education programs and daily exercise routines.

Jumping jacks offer many of the same benefits as low jacks, although the former may not be as beneficial for your lower body and core muscles. But they’re also not as difficult, focusing more on the cardio aspect rather than the resistance part which makes low grips seemingly more difficult.

2. Cross cylinders

A unique variation that takes the jumping jack and adds a twist (or cross), cross jacks are performed as their name suggests, by alternating the crossing of your limbs – both legs and arms.

We have included a video example below.

3. Press Jack

A great way to add resistance to your jumping jack workout, thereby increasing the intensity, is to add a weighted overhead press using a medicine ball or similar weighted object of your choice. The jack press combines the jumping jack and the press, providing resistance for the lower and upper body unlike bodyweight variations alone.

To do this, start with your feet together and hold the weight with both hands in front of your chest. Jump your feet slightly wider than shoulder-width apart while pressing the object overhead at the same time. Then, bring your feet together and lower the weight back to the starting position.

Muscles worked

Although not a typical strength-focused exercise, low jacks involve multiple muscle groups which are primarily those that make up the lower body and core.

Low Jacks Muscles worked
Low Jacks Muscles worked

Lower body

Low jacks activate everything from the hip flexors to the glutes, quadriceps, hamstrings, calves, and foot muscles that allow us to squat, jump, run, and perform just about any athletic activity. While you probably won’t build massive quads by including them in your workouts, low-rise quads can help keep your leg and hip muscles strong, flexible, and mobile alongside a healthy fitness routine.

Heart

The core muscles play an important role in the movement and stability of the midsection which includes the back and the spine. Low grips are a great exercise to practice basic control that will carry over to your other physical activities such as weight training, calisthenics, sports, etc.

Sets and reps

Is there a perfect or ideal set and rep range for low grips? Short answer, no. As with any form of exercise, what you can and should do depends on your level of training experience and your goals.

For example, if you’re just starting out, it may be best to do two to three sets of 15-25 low grips and gradually increase the workload. More experienced athletes or athletes can increase their sets and reps to improve their cardio conditioning.

Increase the intensity of your workout

Jumping jack variations are here to stay and low jacks definitely have a place in a bodyweight calisthenics workout routine. While the conventional jumping jack offers an easy cardio option, this half-squat version has similar benefits, plus a resistance training component.

A week of events in Cambridge and Somerville, from a nature walk to the ‘fiddle of the future’

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Sunday

Family Bike Ride Ice Cream Edition at 10 a.m. (but meet at 9:30 a.m.) from the Somerville Community Path Terminus just north of the VNA Senior Living facility at 259 Lowell St. Free, as it is funded by the Bicycle Belle shop and parent donations, but no longer donations are welcome. This chance to meet other local families who enjoy biking 2.8 miles from Magnolia Park in Arlington via the community path, ending in a playground for those who still have energy and Tipping Cow ice cream for all. Options include an allergen-friendly option. The information is here.

Last day of the boar’s tooth fencing tournament 11 a.m. to 4 p.m., Center for Arts at the Armory, 191 Highland Ave., Somerville. This is less of a public event and more of a chance for members of the historic Boston Armizare fencing group to hold lessons, games and several tournaments – but it could be an entertaining stop for those curious. historical European martial arts. The information is here.

Askia Toure. (Photo: Furious Flowers Poetry Center Archive)

Presentation and reading of the Sam Cornish Poetry Award by Elizabeth McKim and Askia Touré 3-4 p.m. at Longfellow House and Washington Headquarters National Historic Site, 105 Brattle St., West Cambridge. Free. The New England Poetry Club presents one of America’s oldest literary awards, The Golden Rose, to McKim, whose roots are steeped in the oral tradition of song, history, and singing; and Touré, a pioneer of the Black Arts/Black Aesthetics movement and the Africana Studies movement. The information is here.


Monday

Fresh Pond organizes monthly nature walks. (Photo: City of Cambridge)

Cool Pond Nature Walk from 10:15 a.m. to 11 a.m. Free. Meet in the courtyard of the Cambridge Public Library Collins Branch, 64 Aberdeen Ave., West Cambridge, from where park ranger Tim Puopolo walks and talks about what grows, changes and flourishes in the neighborhood. The information is here.

Family game night 5-6:30 p.m. at the Cambridge Library Valente Branch, 826 Cambridge St., Wellington-Harrington. Free. Play with family members or meet new friends over library-provided board games and puzzles at this all-ages event. The information is here.

Danehy Park Concert Series 6-8 p.m. at Danehy Park, 99 Sherman St., in Ward 9 just east of Fresh Pond. Free. The performers are Grace Givertz, a singer-songwriter who performs on guitar, banjo, mandolin and harmonica, and Naomi Westwater, whose music “mingles with American music, flirting with jazz , soul, folk and electropop”. The information is here.


Tuesday

The artist Julia Emiliani. (Photo: Carlie Febo)

Draw in the park 6-7:30 p.m. Joan Lorentz Park at 457 Broadway, Mid-Cambridge (opposite the Cambridge Main Library). Free, but registration required. In this outdoor drawing workshop, artist and illustrator Julia Emiliani provides step-by-step instructions as participants learn the basics of drawing and observing. Bring a blanket or chair; the city provides drawing materials and a clipboard. The information is here.


Wednesday

Ephemeral sciences 3-6 p.m. at Davis Square Farmers Market at Day and Hebert Streets, Somerville. The MIT Museum takes science to the streets in the form of hands-on activities that offer discoveries about life and nature, light and engineering. The information is here.

Nature festival in town 5-8 p.m. at the Magazine Beach Park Nature Center at the river end of Magazine Street in the Cambridgeport neighborhood. Free. The third in a series of monthly festivals timed to coincide with the full moon that celebrate community, connect with the park’s nature, feature meals from a food truck and hip-hop music from Bridgeside and The Hip- Hop Transformation. Nature-based games and activities, arts and crafts and community workshops are suitable for all ages. The information is here.

Sip and comb the night away 6:30-8:30 p.m. at Lamplighter Brewing, 284 Broadway, The Port. Tickets are $47 (not including the $4.50 fee) for this 21+ event. Chuwi’s Galeria instructors guide beer lovers (and others) through the steps of painting the Italian coast in honor of the brewery’s Pavona, a summertime Italian-style pilsner. The information is here.

Strange Cinema 6:30-8:30 p.m. at the Somerville Public Library, 79 Highland Ave., in the Winter Hill neighborhood. Free. Chris Hopkin, a junior at Somerville High School, is curating bizarre and beautiful cinema, releasing two animated shorts this month: “The Disciples of Ascensis’ Final Exit” and “The Flying Luna Clipper.” The information is here.

Elisa Albert reads “Human Blues: A Novel” (postponed from July) at 7 p.m. at the Harvard Book Store, 1256 Massachusetts Ave., Harvard Square. Free. The novel – ‘told over nine menstrual cycles’ – delves into the cultural obsession with procreation through the story of a singer-songwriter who releases an album and has to deal with the fame that comes with it. then. Properly fitting masks are required. The information is here.

Screen on green showing “Turning Red” 7:15-9:30 p.m. at Donnelly Field (Berkshire and York Streets), East Cambridge. Free. This city-sponsored event moves from park to park over the summer and features popular films – in this case, a 2022 animated film about a girl with the family curse of turning into a big red panda. when she is excited. Reviewer Tom Meek called the film a “solid Pixar entry but nothing notable on the scale of ‘Toy Story'”, but other reviewers loved the energy, the 1990s boy band setting and the underlying metaphor. The information is here.


Thursday

Augmented reality greeting card creation workshop from 5:30 p.m. to 7:30 p.m. at the Cambridge Main Library, 449 Broadway, Mid-Cambridge. Free, but registration required. Adult and teen participants will learn how to create augmented reality content using Hoverlay technology, then add a short video or image to a two-dimensional greeting card. (Traditional card-making materials and Steam kits will be available for children who can accompany an adult.) Information is here.

Taymour Soomro and Meng Jin read (postponed to July) at 7 p.m. at the Harvard Book Store, 1256 Massachusetts Ave., Harvard Square. Free. Soomro brings the novel “Other Names for Love,” exploring masculinity, heritage and desire in Pakistan, and Jin the short story collection “Self-Portrait with a Ghost,” which considers what it means to live in a time of self- consciousness with seemingly infinite access to knowledge but little real power. Properly fitting masks are required. The information is here.

Screening of the film “Empire Records” 8-9:45 p.m. at South Street Farm, 138 South St., near Union Square, Somerville. There is a $5 cover. This 1995 cult classic about the day in the life of an independent record store features “a set of alternative cuties” such as Liv Tyler, Robin Tunney, Rory Cochrane, Ethan Embry, Renee Zellweger, Johnny Whitworth and Anthony LaPaglia. The screening is sponsored by Strictly Brohibited, a group of women, trans and non-binary filmgoers featuring non-male filmmakers such as “Empire” author Carol Heikkinen; its partners are Once Somerville and Groundwork Somerville. The information is here.

The New Alliance gallery ends an exhibition on Thursday. (Image: New Covenant Gallery via Facebook)

Closing party of the exhibition 7-10 p.m. at the New Alliance Gallery, 438R Somerville Ave., near Union Square, Somerville. Discover the latest works by mixed media and mural artists and photographers Alvan Long, Ivonne Blanco, Michael Crockett, Duncan Wilder Johnson, Trevor Toscano, William Frese, Bob Shane, Charlie Warren and Barbara Jo. The information is here.


Friday

Cambridge shares their grief: On this day, we do not walk alone 7-9 p.m. at Starlight Square, 84 Bishop Allen Drive, Central Square. Free. Contemplative music, poetry, storytelling and live art will help neighbors mourn together for what has been lost. The information is here.

Violinist Mia Asano performs a second concert at Warehouse XI. (Photo: Mia Asano via Facebook)

Mia Asano plays at 7:30 p.m. at Warehouse XI, 11 Sanborn Court, Union Square, Somerville. Tickets are $20. Electric violinist Asano and her band return for another week to perform her thrilling take on the “violin of the future” after a pandemic hiatus. Her “Most Viral TikTok Songs” are promised, and Ally the Piper is playing too. The information is here.

Screening of “A Place for Jazz: The 1369 Jazz Club” at 8 p.m. at ZuZu, 474 Massachusetts Ave., Central Square. General admission is $15. A 1992 documentary film by Richard Broadman explores the music and poetry created at a club in Inman Square – where 1369 Coffee House now does business – from 1984 to 1988, attracting an audience that included everyone from musicians Pat Metheny and George Thorogood to movie stars such as Diane Keaton and Leonard Nimoy. The film features performances and conversations with musicians including Steve Lacy, Bob Nieske, Archie Shepp, John Voigt, Joe Lovano, John Lockwood, Henry Threadgill and Rebecca Parris. The evening begins with a live set by a quartet that includes two performers from the film, Charlie Kohlhase and John Lockwood.


Saturday

Sale of Yart from noon to 6 p.m. in the courtyards, walkways and porches of Somerville. Free. Garage sales but with art, with a map that the Somerville Arts Council plans to release on Wednesday. Merchandise for sale may include paintings, photographs, collages, sculptures, jewelry, pottery, quilts, knitted items, or collectibles such as coins, postcards, and credit cards. baseball and even plants and group items such as t-shirts and CDs. The information is here.

Budding artists cafe 3:30-5:30 p.m. at The Growing Center, 22 Vinal Ave., near Union Square, Somerville. Free. Materials are provided at each impromptu coffee table so everyone can draw or create their own garden-inspired artwork; an artistic project is presented each month around a theme based on nature. Otherwise, the center is temporarily just a café like the others, albeit in a unique setting and for one day a month: a place to come and relax, read a book and meet a friend. The information is here.

Roya EFX open word slam 6-8:30 p.m. at Starlight Square, 84 Bishop Allen Drive, Central Square. Free. Words spoken by artists, poets, writers and, in an open-mic segment, enthusiasts. There will be live music to set the mood and a bar accepting cash or card payments. The information is here.


Sunday

Kevin ONeil and the Circus of the Damned Open Showcase from 1 to 3 at Starlight Square, 84 Bishop Allen Drive, Central Square. Free. A musical open-mic with 11 local artists. The information is here.

Yagmur Soydemir performs at a free show on Sunday. (Photo: Fikret Ozkaplan)

Yagmur Soydemir and his friends play 3-4 p.m. at Longfellow House and Washington Headquarters National Historic Site, 105 Brattle St., West Cambridge. Free. Soydemir (flute), Sueda Catakoglu (piano) and Upasak Mukherjee (percussion) perform Turkish, Indian, pop, jazz and Latin music in a series co-sponsored by Friends of Longfellow House, the New England Poetry Club and the Berklee College of Music. The information is here.

Dave Ramsey says debt consolidation solves nothing. Is he right ?

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Image source: Getty Images

Don’t rule out this debt repayment strategy just because Dave Ramsey doesn’t like it.


Key points

  • Dave Ramsey says debt consolidation doesn’t solve the real problem, which is your financial behavior.
  • Although financial habits are what matter most, debt consolidation can also help.

Debt consolidation is a frequent recommendation for those trying to get their debt under control. If you’re unfamiliar with how debt consolidation works, it involves getting a new loan or credit card and using it to pay off all your debts. You then only have to make one monthly payment, possibly with a lower interest rate.

It may be popular, but there’s one finance personality who’s not a fan. When a reader asked Dave Ramsey if debt consolidation was a good way to get out of debt, his answer was an unequivocal no.

So, is debt consolidation worth it, or is Ramsey right? Let’s find out.

Why Dave Ramsey Is Against Debt Consolidation

Ramsey’s argument against debt consolidation is that it gives you the illusion of progress without having done anything. As he says, “It makes you feel like you’ve really done something to change your whole financial outlook when you haven’t.”

According to Ramsey, what puts you in debt in the first place are your financial habits. That’s why he believes changing those habits is what’s important.

When you consolidate debt, you might have a lower monthly payment. You will certainly have fewer payments to manage. But in Ramsey’s view, it’s just tossing around the same old debt. You haven’t addressed the real problem, which is the behaviors that led to your debt.

What Ramsey is saying is that getting rid of debt is all about strict budgeting and creating new financial habits. He’s right there, at least with the debts caused by overspending. However, it is not fair to say that this is the problem for everyone. There are many issues that can cause debt, some that are not entirely within a person’s control, such as medical issues or sudden loss of income when living paycheck to paycheck. other.

Overall though, it’s true that getting out of debt is all about following good financial habits. But like many of Ramsey’s views, his stance on debt consolidation is extreme.

Debt consolidation can take your repayment plan to the next level

In his response to a reader on debt consolidation, Ramsey wrote that “interest rates aren’t the issue, and the number of payments you’re facing isn’t the issue.” Maybe so, but all things being equal, most people would probably accept a lower interest rate and lower monthly payments.

Those are two possibilities with debt consolidation, at least if your credit score is high enough. There are two popular options:

  • Balance transfer credit cards offer a 0% introductory APR on the balances you transfer. The introductory period can last 18 months or more with some cards, giving you some time to pay off what you owe.
  • Debt consolidation loans are personal loans intended to pay off existing debt. These give you a fixed payment term, with lenders normally offering terms of between 24 and 84 months.

Ramsey is right that there is no trick to paying off debt. If you spend more than you earn, you will end up in debt. If you consolidate that debt and then continue to spend more than you earn, you won’t make any real progress. Your now consolidated debt will increase and you will find yourself back at square one.

The key is to cut expenses and spend as much money on your debt as possible. And if you do that, debt consolidation is a great way to speed up the repayment process.

To demonstrate this, let’s say you have $5,000 in debt spread across various credit cards and are able to pay $300 per month for it. You could pay this at an 18% APR. Or, you can transfer it all to a balance transfer card with an introductory APR of 0% for 18 months. Here’s what the difference would be:

  • Without debt consolidation, your debt would cost you $5,797 and be paid off in 19 months.
  • With debt consolidation, your debt would cost you $5,150 (the original amount plus a 3% balance transfer fee) and be paid off in 18 months.

Debt consolidation will not do the work for you. You will still need to make those monthly payments and avoid any new debt. But it can help you pay off your debt sooner, reduce the number of your monthly payments and, most likely, save money on interest.

The Ascent’s Best Personal Loans for 2022

Our team of independent experts have pored over the fine print to find the select personal loans that offer competitive rates and low fees. Start by reviewing The Ascent’s best personal loans for 2022.

We’ve tried ALDI makeup dupes to rival Benefit, Smashbox and Nars – and packed it all for £25

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Aldi has long been known as the king of dupes. Whether it’s mugging Colin the Caterpillar or launching a new range of subs that look suspiciously like the main street’s favorite sandwich chain, Aldi has the dupes covered.

Where they don’t come out cheap food dupes, Aldi is taking the makeup world by storm. Their new Lacura makeup range can be found in the special shopping aisle of stores in the UK and they have been flagged as dupes for big brands like Benefit, Smashbox and Nars.

With Aldi’s price tags on products low enough to make Kim Kardashian turn her head, it seemed fair to determine if the cheeky supermarket had what it takes to help MUAs across the country save huge pennies. . One dupe, a blush that costs £4.99 in stores, is very similar to a £27.50 product from Nars.

READ MORE: Lidl’s limited-edition clothing line with £8 dresses and shirts

Say no more. I went to my local Aldi and walked into what felt like hypnosis in its special aisles. These things are stacked.

When I finally got a glimpse of the range, I threw one of everything into my basket. “Where did you find all that?” asked the woman at the checkout. There’s no better place than the Special Buys aisle.

Take Cover Concealer

First, Aldi offers Take Cover concealer in 10ml tubes. It’s a dupe of the Tarte Shape Tape Concealer which is priced at £27. This from Aldi costs just £3.99.

A little swatch of shade two on my hand tells me that Take Cover is a heavy concealer. It scares me at first, despite the dark circles under my eyes, thick concealer can feel heavy on the skin.



A sample of Aldi’s Take Cover Concealer

I took my wet beauty blender and patted it under my eyes. Decent, but not outstanding. Then I applied some setting powder and dabbed some inner concealer on top.

After that, I was obsessed with the cover. For the first time in months, I didn’t look like I had been on a 14-hour mission through the Scottish Highlands the night before. It’s not the lightest concealer to wear, but it definitely gets the job done. Would buy again.

Illuminating base

Aldi’s Instant Ready Illuminating Primer comes in a 30ml bottle for £5.99. On the skin, it’s lightweight with a very subtle sheen.

Aldi says it will make your skin look “perfect” and to be honest, it does.

It’s a dupe of the Smashbox ‘The Original Photo Finish Foundation Primer’ which sells for £28 and to save £22 I’d say it’s worth it. With Aldi having no foundation to test yet, the primer seriously did the trick, I don’t think you can say my entire face was without foundation. Add to cart.

Flawless Veil Translucent Powder

I rarely use a powder as I tend to avoid a matte look. The last one I used was Rimmel London Stay Matte Powder which sells for around £4.49.

Aldi’s Flawless Veil is £4.99 and a copy of Mercier’s Translucent Loose Setting Powder is £30. By the time I figured out how to remove the almost invisible sticker from the top, I was a bit cautious about the whiteness of the setting powder.



Aldi's Flawless Veil powder is just £4.99
Aldi’s Flawless Veil powder is just £4.99

I used a small amount on top of the concealer, then again on the added inner concealer – it set my base so quickly and discreetly, it’s hard not to be a fan.

While it’s obviously much cheaper than its dupe, I’d also be tempted to jump ship Rimmel’s Stay Matte Powder – and it costs the same. In combination with the concealer, it has the power to make you feel like you’ve slept at least 12 hours.

Lacure Blush

My least favorite of Aldi’s so far impressive range is the Lacura Coral Blush – a Nars Blush dupe in Behave which sells for £27.50.

Much like the Nars blush, it comes in its own little compact case with a mirror, but is priced £22.51 cheaper at just £4.99. The Coral blush is an orange-pink color with shimmer, but its shimmer is quite low.

It was also very shiny on my cheeks despite applying a small amount. It photographs well, but in the mirror I felt so pink I had to check if I had been transported to 1665 to warn children of the Great Plague.

I don’t think he’s a bad dupe, but as a singular trickster, I don’t have much to say. It’s all good, and if you like Nars Blush in Behave, I recommend giving it a try.

Microblade effect pen

The Microblade effect pen is the product in Aldi’s range that surprised me the most. As a teenager in the Cara Delevinge era, I can say with confidence that there really isn’t one type of brow product that I haven’t tried in an effort to achieve the best brows. bushiest of all.

Aldi’s Microblade effect pen is very obviously inspired by Benefit Cosmetics’ Microfilling Brow eyebrow pen which costs around £23.50 – Aldi’s dupe costs £2.99.



Samples of Aldi's Microblade Effect Pen (£2.99)
Samples of Aldi’s Microblade Effect Pen (£2.99)

The product is lifted to create a microblade effect that lasts up to 24 hours. It’s smudge-proof, waterproof and easy to apply – and the pen’s micro tip is designed to help create ultra-thin brows that look natural.

Aldi’s pen really creates hair-like strokes when applied lightly. It really defines your brows and even though I haven’t worn it for 24 hours, a subtle tint remains when you wipe it off. While I wouldn’t buy it regularly just because I prefer a gel, this one really has a grip on its dupe. Well worth the £2.99.

Too legit mascara

Aldi’s Too Legit Mascara is the product that I was least excited about but surprised me the most. She’s a dupe of Benefit They’re Real! Mascara which costs around £22.

It costs £5.99 from Aldi and again has a very similar product design to Benefit mascara. Aldi’s Too Legit Mascara is said to create volume while separating lashes, it’s pretty crucial for a budget dupe who usually clumps your lashes together, smudges and flakes.

The little ball at the top of the mascara wand is what makes Aldi’s mascara so great. This made my lashes look really full and natural for about a quarter of the price of Benefit.

The result



LancsLive reporter Rebecca Lockwood in full ALDI makeup
LancsLive reporter Rebecca Lockwood in full ALDI makeup

The ultimate test of a makeup transformation is to ask your partner what they think. My daily routine consists of a number of dupes on the list, so when he said I looked pretty much the same as usual – that’s a huge win for Aldi.

The truth is that while some of these products may not be my personal preferences, they are obviously very good. You can pack everything on this list for around £25 – if you want to save some cash, Aldi has your back once again.

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Reasons to regularly eat seaweed

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Do you know why “seaweed” is causing such a stir among medical professionals around the world? Seaweed is undoubtedly the most used component in oriental and Asian cuisine, but what exactly is it and why eat it? Here are five reasons why this aquatic kitchen has become a staple on tables around the world.

Essentially, the term “seaweed” is used to refer to all edible underwater plants and vegetables. Seaweed comes in over 10,000 different species, each with a unique flavor, texture, and nutritional profile. Seaweed is frequently used in Korean, Japanese, and Chinese cuisine and is increasingly known for its many health benefits. Some of the common uses of this sea food are in making sushi, seaweed noodles, and beauty products, to name a few.

Here’s why professionals have approved this marine food.

Studies and health professionals agree that the antioxidants in seaweed, especially fucoxanthin, can boost immunity and cell regeneration. Additionally, consuming seaweed has been shown to minimize the effects of viral infections like Covid-19 (SARS-COV-2). To prove this reality, however, much more investigation is still needed.

The prebiotic, fiber, and antioxidant content of seaweed may aid in better diabetes management. Blood sugar levels can be balanced by the presence of plant substances and antioxidants such as carotenoids and fucoxanthin. Additionally, the high fiber content of seaweed contributes to improved metabolism and better insulin control.

Consuming seaweed improves thyroid function and helps improve hormonal regulation. This is because the thyroid glands help the body regulate hormones, and the amino acid iodine and tyrosine found in seaweed aid in better hormone control.

According to a study published in the American Journal of Agricultural and Food Chemistry, eating seaweed can help reduce blood pressure and high blood sugar, which is good for your heart. The omega-3 fatty acids found in seaweed may also help lower harmful cholesterol and improve heart function.

Review of The Destructionists: The Twenty-Five-Year Crack-Up of the Republican Party by Dana Milbank

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Comment

As Washington Post readers and her syndicated column knows it, Dana Milbank covers politics with snap and crackle. His gift and dogged reporting serve him well in his new book, “The Destructionists.” (good title), on the Republican Party’s quarter-century crisis.

Reading it, a line from the late PJ O’Rourke came to mind: “The Democrats are the party that says government will make you smarter, taller, richer and get crabgrass off your lawn. . Republicans are the party that says government doesn’t work, and then they get elected and prove it. »

Another line kept coming back to me – Ronald Reagan’s farewell letter to the American people, which ends: “I now begin the journey that will take me to the sunset of my life. I know for America there will always be a bright dawn ahead.

Reagan’s letter was dated November 5, 1994. Three days later, Republicans took control of the House and Senate, led by a pale horseman named Newt Gingrich. And hell followed with it.

Milbank traces the descent of the party once led by Reagan, George HW Bush, Bob Dole and John McCain as it became the party of Gingrich and Mitch McConnell and ultimately the cult of Donald Trump. For those who once loved the GOP, it’s like switching channels from “Father Knows Best” to “The Sopranos.”

It’s a dated but not entirely inappropriate reference. The ’94 election that ushered in Gingrich’s Republican Revolution also ushered in a Congress led by World War II veterans. Four years later, Generation Un-Greatest has become its dominant demographic.

As an exercise, try thinking “Party of Lincoln” (or Reagan) as you recite aloud this partial list of post-1994 GOP leaders, greats, enablers, and influencers: Gingrich, Kenneth Starr, Roger Wings, Rush Limbaugh, Ralph Reed, Sarah. Palin, Sean Hannity, Lee Atwater, Andrew Breitbart, Ann Coulter, Roger Stone, Paul Manafort, Karl Rove, Tucker Carlson, Rupert Murdoch, Jack Abramoff, Michael Flynn, Jim Jordan, Steve Bannon, Kevin McCarthy, Ted Cruz, Mark Meadows, John Eastman, Jeffrey Clark, Rudy Giuliani, Marjorie Taylor Greene, Madison Cawthorn, Josh Hawley, Lindsey Graham, Mo Brooks, Ron Johnson, Lauren Boebert, Elise Stefanik and the 147 members of Congress who on January 6, 2021 voted against certifying Biden’s election, hours after the Capitol was attacked by an insurgent mob. Do you have a taste of ashes in your mouth?

The stick that Reagan passed to a new generation has become a club in the hands of Gingrich. For those scratching their heads and moaning, “How did this happen?” Milbank has the answer. It all started with the honorable gentleman from Georgia.

Rupert Murdoch offered Gingrich a $4.5 million book deal in 1994. It started to smell a little too stinky. If Gingrich writes his memoir, he might consider the title “The Audacity of Begging.

It was Newt who encouraged the right-wing nerd plot that Clinton’s aide, Vince Foster, was murdered. That big little lie metastasized a quarter century later to “Stop the Steal.” It was Newt who stood up for right-wing militias after Timothy McVeigh murdered 168 people in Oklahoma City. And it was Newt who, while living a hot and steamy personal life, fiercely agitated to oust Bill Clinton for playing hide and seek with a twenty-something intern.

More importantly, perhaps, it was Newt who in 1990 poisoned the well by publishing a manual of 65 slurs and slurs that Republicans can deploy against Democrats: “traitors”, “sick”, “corrupt”. , “betray”, “weird”, “pathetic”, “abuse of power”, “anti-flag”, “anti-family”, “anti-child”, etc. have in the Republican Party is that we don’t encourage you to be mean. Problem solved.

The purpose of his Devil’s Dictionary and his sermon on civility to confused Republicans was to instill demonization and weaponize paranoia. And so here we are, in the age of ‘alternative facts’, QAnon, Jewish space lasers, anti-vaxxing, births and Alex Jones’ plots about dead Sandy Hook children as coated actors of ketchup in a government plot to seize our AR-15s. The Gazpacho police are watching.

While Gingrich was intoxicating the Republican Party, someone in Acela’s hallway was watching and learning. In Milbank’s account, Gingrich emerges as Trump’s second most pernicious mentor, after Roy Cohn. What a pair of teachers!

It was more than just a vocabulary lesson. Gingrich inspired his followers with a destructive political style – or to use a favorite term of his most brilliant pupil, “bad guy” –.

“The epic failures of government of the past quarter-century,” writes Milbank, “can all be traced to Gingrich and the savage politics he pioneered: three impeachments; two botched wars and a botched pandemic response; several government closures; a sevenfold increase in the federal debt; a market crash and the Great Recession. … It is no wonder that there has been a complete loss of faith in American democracy.

Milbank points to inflection points in the GOP’s hostile takeover of politics: the repeal of the “Gephardt rule,” which ushered in government through continued resolution and automatic increases in the debt ceiling. He writes, “Congress’s ability to function never returned. The Supreme Court’s decision in United Citizens was a biggie, kicking off the era of super PACs and “black money.” Overspending under George W. Bush has forever made any Republican assertion of fiscal continence laughable. The GOP fomented a racial backlash against Barack Obama, transforming itself “into the party of white grievances. All all that was left for Trump to do was to light a match.

Launched in 1996, Fox News played an indispensable role in the destruction, providing airtime for what Mike Pence might call the rubber room wing of the Republican Party. His poster, discordant cherub Tucker Carlson, recently featured a three-part series claiming that the January 6 insurrection was organized by anti-Trump strength. Joseph Goebbels smiles, otherwise in heaven. It may be funny, but the upshot of all this over-hyped hyper-lying is that 70% of Republicans insist the 2020 election is rigged.

McConnell, who more than anyone outside of Trump has tainted and delegitimized the Supreme Court by turning it into “another political branch of government,” sits high in Milbank’s ninth circle of Republican hell. His refusal to hear from Merrick Garland, followed by his detonation of the “nuclear option” by removing the filibuster at Neil Gorsuch’s headquarters, were masterpieces of cynicism. Four years earlier, McConnell had insisted that eliminating the filibuster would mean “the end of the Senate.” Today’s Catholic Supreme Court is as much his creation as Trump’s. That crashing noise you hear is the temple coming down.

The court was once the most respected branch of government. Now, in back-to-back decisions, he’s rearmed New Yorkers and thrown out stare decisis with the bathwater. Susan Collins, heiress to Margaret Chase Smith’s office, feels a bit had by Brett “I’m one to not rock the boat” Kavanaugh. And here’s Ginni Thomas, Clarence’s wife, to bolster our confidence in the highest court with suggestions on how to overturn a presidential election.

Milbank’s book is not without flaws. He sometimes goes too far, and here and there the writing feels rushed or breathless. (“Once you’ve detached yourself from the wagon of truth, there’s no limit to the places you can visit.”) But those are minor complaints, alongside the book’s considerable merit.

What will rise from the ashes is difficult to predict. A kinder, gentler version of Trump, in the person of Ron DeSantis? Or is it an oxymoronic?

All I know is after reading “The Destructionists” I needed a drink. Perhaps it is safe to say this: as long as there are Republicans like Liz Cheney, Mike Pence (sigh), Adam Kinzinger, Jeffrey Rosen, Richard Donoghue, Rusty Bowers, Brad Raffensperger, Cassidy Hutchinson and Sarah Matthews, we may still be able to make it through this dark night and see the bright new day that the Gipper told us would always dawn in America.

Christopher Buckley’s novel “Has anyone seen my toes?will be published in September.

The twenty-five-year crack-up of the Republican Party

RadCred launches contactless lending platform for bad loans

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GLENDALE, Calif., Aug. 05, 2022 (GLOBE NEWSWIRE) — RadCred, a lending intermediary, is launching its contactless lending platform for problem loans. Since its inception, RadCred has become one of the top choices for people applying for short-term loans due to its fast and hassle-free services.

RadCred works as a conduit or link between potential borrowers and major lenders in the industry. People with credit scores below 575 or with a limited credit history are also eligible to avail RadCred payday loans for bad credit.

Choosing a lender is a hard line to hoe. It’s very tangled with multiple formalities and checkpoints that become cumbersome. With RadCred, borrowers can use their bad loans to cover various expenses, such as debt consolidation, auto loans, medical bills, and home repairs. Plus, they offer the cheapest mortgage rates in this space and can use them to meet short-term financial needs while boosting credit rating.

RadCred was founded with the idea of ​​forming a bridge between potential lenders and borrowers to facilitate the transaction of loans easily. The financial experts on the team have put together a simple and easy process to connect both parties and provide a secure transaction. RadCred is a top choice among Americans due to the presence of lenders that offer lower interest rates than traditional lenders. Choosing to be matched with the local lender makes it less onerous for the customer to pay the amount borrowed.

RadCred has built its reputation locally and globally and relies on millions of Americans to pay emergency funds, medical bills, student loans, and more. The company’s customer base is growing rapidly due to the fast services that provide money transfer within 24 hours. The loan application process is simple. A small form confirming some essential details has to be filled in and within seconds potential lenders can be chosen as per convenience.

Cybercrime, including data breaches, is now the top financial crime. Increasing dependence on digitalization, nearly 55% of the population relies on online tools for their credit needs. Therefore, security plays an important role in online platforms as data breach is possible, but RadCred ensures that its users remain free from any potential threat. Additionally, RadCred recently announced its security upgrade by integrating 2048-bit RSA protection on the website. This will ensure that valuable data of users applying for personal loans is safeguarded.

Speaking about the company’s recent development, the CXO added, “Our customers have trusted us with all their personal data and credentials and we are trying to meet their expectations. With the help of diligent cybersecurity analysts , we have built a security-enhanced contactless lending platform for loans for bad credit. The company looks forward to assisting its customers with our 24/7 customer service. We are here to help our customers at all times.”

About RadCred

RadCred is an online platform trusted by millions of Americans that connects lenders and borrowers under one roof for a hassle-free transaction. RadCred, however, is not directly involved in the loan process.

Since every four in 10 Americans need more than $400 in an emergency, it becomes all the more difficult for people to engage in traditional loan seeking facilities as this does not guarantee an instant transfer of money to their account. RadCred ensures you can pay for emergency services, vacations, medical bills, student loans, and more by allowing borrowed money to be transferred within 24 hours.

With the ease of local lenders present on RadCred, it becomes all the easier to apply for the loan and pay a lower interest rate compared to other lending platforms in the market. However, matching with a local lender is not always guaranteed. However, there are specific requirements needed to be matched with a local lender, but one can apply through the method recommended by the company.

Contact details:
[email protected]

iOS 16 Fitness – all the new features coming to your iPhone

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Along with all the other improvements iOS 16 brings to iPhones, there’s a new addition to built-in apps with Apple’s next major update to its phone software. And it can motivate you to adopt a more active lifestyle.

Fitness is the big new addition to iOS 16, adding a tool built into your iPhone to track how much you move in any given day. An activity ring in the Fitness app shows your progress towards achieving your movement goals and allows you to earn achievements when you do. You can even share your activity with friends and family, using their progress toward activity goals to motivate you.

This will look very familiar to anyone with a wearable device on our best Apple Watch list, who already enjoys this app on their smartwatches, and can download a companion version of Fitness onto their iPhone for a bigger view of their activity and fitness. workouts. So in that sense Fitness isn’t as new as you might think.

The difference is that starting with iOS 16, you no longer need Apple Watch to use Fitness. It is now available for any iPhone running Apple’s software update. And if you’ve downloaded the iOS 16 public beta, you can try Fitness right now, without a watch.

iOS 16 Fitness app on an iPhone 12

(Image credit: Tom’s Guide)

iOS 16 Fitness: A healthier me

Adding the Fitness app to every iOS 16 compatible iPhone is part of Apple’s recent interest in helping people who use its products lead more active and healthier lives, by using data collected from your personal devices to motivate you and help you formulate fitness goals.

I hope the will continues to close the rings of the Fitness app and my iPhone telling me I’m a good boy will inspire me to take daily walks and pursue other healthy activities.

Fitness is also a welcome iOS addition for me personally, as I’ve found life in the pandemic era to be detrimental to my departure. More than two years of limited movement does not help me through middle age as a picture of health.

So I hope the continued willpower to close the rings of the Fitness app and the iPhone telling me I’m a good boy will inspire me to take daily walks and pursue other healthy activities, just like the iOS 16 Health’s medication tracker has helped me get better at recording my daily pill intake.

Based on my testing for my iOS 16 public beta, here’s a more in-depth look at how the iOS 16 version of Fitness works if you don’t have an Apple Watch and what features the app has to offer .

Configure iOS 16 Fitness

Getting started with Fitness is easy. Simply launch the app, tap Continue on the subsequent splash screens, and follow the prompts to provide the Fitness app with all necessary data. The most important thing you will need to set is your movement goal, which is the number of calories you want to burn each day.

iOS 16 Fitness App Setup and Move Goal

(Image credit: Tom’s Guide)

Don’t worry about setting a goal too high or too low. The app itself will give you a few ranges, but changing your movement goal is as simple as going to the activity section of the app and adjusting your calories/day up or down by pressing the plus and minus buttons.

Note that for users 13 and under, the Fitness app uses minutes spent actively moving rather than calories burned, which is likely a healthier approach for growing bodies.

What the iOS 16 Fitness app tracks

If you’re using Fitness without an Apple Watch, the iOS 16 app looks quite different from the multicolored rings you may have seen on someone’s watch. That’s because the activity ring on the iPhone version simply monitors how many calories you’ve burned against your overall goal.

The other two rings from the Apple Watch version – Exercise and Stand – aren’t present here, likely because your iPhone doesn’t have the sensors to accurately track those metrics.

But there are sensors on the iPhone that can calculate how many steps you take, which is exactly what Fitness uses to see how close you are to reaching your Move goal. In the Fitness app’s Summary tab, the Activity section lists your steps, distance you’ve covered, and calories burned on a given day, with the latter metric filling your movement ring.

iOS 16 fitness summary screen with activity information

(Image credit: Tom’s Guide)

For a deeper dive into activity, tap that area of ​​the screen, and you’ll see a breakdown of moves by hour. At the top of the screen, there’s a weekly view showing how far you’ve come in filling your move ring, and a calendar icon you can tap for a more historical view of your performance.

It’s on this screen that you’ll also see that the Fitness app tracks the stairs you climb. I’m not sure how effective this feature is, as I walk up and down 10 stairs several times a day to get out of my house or into my laundry room and home office, and Fitness calculated that I climbed exactly one flight of stairs in the past two months. I wonder about the value of this statistic.

Under the Activity section of the Summary screen, you’ll be able to see your trend in four categories – your move goal (in terms of calories per day), the distance you walk each day, your walking pace, and your running pace.

You will need to activate the Fitness app to calculate these trends. Since this feature compares your last 90 days of activity to the last 365 days, the trends will not take effect until the app measures 180 days of activity. You will receive a notification on your phone when the feature goes live.

iOS 16 Fitness and other workout apps

The Fitness app would be of limited value if it simply limited activity tracking to counting the number of steps you walk each day. You can also link workout apps to Fitness, with the activity tracked by those apps helping you close the motion ring.

Additionally, data collected by Fitness can be synced with the built-in iOS 16 Health app. It’s stored in the Activity category of the Health app, where it can be used to get a more complete picture of your health.

iOS 16 Fitness Home Screen Widget

(Image credit: Tom’s Guide)

Fitness apps interact with the rest of iOS 16 in another way – Apple has created widgets that show your current activity stats. You can either place a Fitness widget on the home screen or put it on your iPhone’s lock screen if you’re taking advantage of the new iOS 16 feature that lets you customize your lock screen with widgets.

I find the Fitness widget particularly useful for checking my progress without having to launch the app, so I know when I need to pick up the pace of my workouts.

The social side of iOS 16 Fitness

It might seem like a strange motivation for a mature adult to collect graphic icons. But when I see that almost empty rewards section when I launch iOS 16 Fitness, I find myself wanting to do something about it.

Gamification has become a popular strategy for apps that aim to help you do everything from losing weight to learning a language. According to the theory, by dangling achievements to unlock or using friendly competition, an app can inspire people to achieve their goals. And iOS 16 Fitness is no exception to this approach.

The bottom third of the summary screen is adorned with the rewards you can unlock for meeting your move goals or completing monthly challenges. Even more inspiring, you can see the rewards you haven’t earned yet, at least in the early stages of using Fitness.

iOS 16 fitness app price

(Image credit: Tom’s Guide)

It might seem like a weird motivator, a mature adult wanting to collect graphic icons just to take more regular rides. But I see this almost empty rewards section every time I launch iOS 16 Fitness, and find myself wanting to do something about it.

There’s another potential motivator included with Fitness, and it’s in the app’s sharing tab. You can invite friends to share their workout info with you, and they’ll be able to see yours. The idea here is that seeing everyone’s progress will provide the right incentives to avoid sitting around and seeing your friends’ activity stats leave you in the dust.

ios 16 fitness share

(Image credit: Tom’s Guide)

Sharing activity data is as easy as tapping Get Started on the sharing tab splash screen, then adding people by tapping the green button in the top right corner of the next screen . You can send invitations to anyone in your contacts, or you can enter a new email address.

iOS 16 Fitness Outlook

Some people can happily download and use iOS 16 without ever checking the Fitness app – perhaps because they’ve already found a workout app that does the job for them, perhaps because the value of tracking daily steps simply did not occur to them. If it’s the former, great – the App Store is full of options for the best workout apps for your iPhone. But if it’s the latter, please consider this a recommendation from someone sedentary enough to try iOS 16 Fitness.

The Fitness app is a simple entry point to thinking more about being active, without incurring the expense of a new smartwatch or a monthly fee for a workout program. The app is easy to use and contains many motivational tools to keep you moving. It’s the beginning for me of using iOS 16 Fitness, but I hope it’s the first step towards living a healthier life – or at least sitting a lot less.

My 8 Favorite Greek Desserts and Where to Find Them

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If there is one thing the Greeks know how to do well, it is to eat well. They like to eat with an abundance of friends and family around them while taking their time. The Greeks recognize that food is more than just a way to fill the stomach and should be enjoyed in good company. More than that, food is indicative of how a nation lives its life and its health. We have already seen that food is key to longevity practices on the Greek island of Ikaria. One thing is certain, Greek desserts are no exception. Reflecting Greece’s eclectic history, many desserts are high-syrup treats found throughout Turkey and the Middle East, while others date back to ancient Greece or Roman times.

From the simplest to the most complicated, desserts that are eaten at specific times of the year, one thing is certain. If you like sweets, Greece is the Mediterranean country to go to for its delicious desserts. Many have filo or phyllo dough as the base.

Greek yogurt with honey and walnuts

Photo credit: Jörg Beuge / Shutterstock.com

1. Greek yogurt and honey

We start with simple but delicious Greek yogurt and honey.

Traditionally made, Greek yogurt is made from pure sheep’s milk and strained through a muslin cloth to remove any whey or liquid. The result is a deliciously thick, creamy and pure yogurt that has health benefits. The filtering process removes some of the lactose. Yogurt is high in protein and calcium, with a lower sugar level.

Since ancient Greece, the founding father of medicine, Hippocrates, swore by pure honey and its medicinal properties. Modern research has shown that honey has excellent antibacterial characteristics, is good for wounds, burns and generally maintaining a strong immune system. Pair pure Greek yogurt and honey and you not only have a delicious dessert or snack, but something you know is very good for you.

As you would imagine, this basic Greek diet can be found in any restaurant or patisserie, but mostly in small tavernas. Eating local in Athens highlights Stani, one of the capital’s oldest dairy patisseries founded in 1931 in the heart of the city. Their yogurt is made on site and is still popular today with locals and tourists alike.

Loukoumades drizzled with honey.

Loukoumades drizzled with honey

Photo credit: dinosmichail / Shutterstock.com

2. Loukoumades

Another delicious dessert that can be found in Stani is Loukoumades Fried Donut Balls. Stani serves them drizzled with honey, but they can also be served with chocolate on top or sprinkled with sugar.

Their origin is mixed from Greece, Persia, Egypt and Turkey. These days they can also be seen in most Balkan states. In Greece, Loukoumades are believed to be the oldest recorded dessert, dating back to the first Olympic Games in 776 BC, where fried balls of dough covered in honey were served to winners as “honey tokens”.

This delicious dessert is served hot and today offers a selection of toppings such as sesame and nuts. They can also be injected with a filler cream. My advice? Keep it simple with honey and eat like the old folks.

This dish is so popular that shops that exclusively serve this delicious staple are popping up across the country – little loukoumades bars. My favorite is in the center of Athens in the Platia (square) of Agia Irinis. Lukumades, which opened in 2013, is right in the center of all the cafes. You can see these little balls of heaven being created in their open kitchen.

Galaktoboureko.

“Your trip to Greece is not complete without at least one [slice of] galaktoboureko.

Photo credit: ilolab / Shutterstock.com

3. Galaktoboureko

Forget cream pies like the ones thrown away at fairs or in movies like Bugsy Malone. Live a real cream pie experience. Your trip to Greece isn’t complete without at least one slice, preferably several, of the Greek ‘cream pie’ — galaktoboureko.

This Byzantine equivalent, which translates to “milk pie”, is more than a runny dairy product. Layers of crispy filo pastry are first brushed with butter, filled with milk cream and semolina, then baked and coated in syrup.

Yes, it looks like a heart attack on a plate. Remember that the beauty of Greek cuisine in general, including its desserts, is that many of them lack the number of ingredients that are prevalent in our diets. You are assured of a fresh, yet rich and appetizing experience.

It was first served in Athenian bakeries over 100 years ago and can be found in patisseries across the country. Some specialty shops in Athens, such as Kosmikon, opened in the city center in 1961. Varsos is in the leafy, affluent suburb of Kifissia, north of the city, and Galifianakis is in an Athenian suburb called Agios Paraskevi.

If you are visiting a Greek friend, it is always polite to have a sweet dessert at a pastry shop. On a Sunday, you’ll often find Greeks carrying a box of goodies to take to relatives they’re visiting. A few slices of galaktoboureko will be welcome by all.

Nut Baklava.

Baklava, a beloved Greek dessert, made with nuts

Photo credit: Enez Selvi / Shutterstock.com

4. Baklava

Baklava is a simple, delicious, yet controversial dessert. One for nut lovers, this original Ottoman recipe features layers of crispy filo pastry filled with crushed walnuts and honey syrup. Depending on the region of the country where you eat them, the nuts will be different. Southern Greece tends to use chopped almonds while the north uses walnuts, and some recipes use hazelnuts, sesame seeds, and raisins as a twist. The traditional pistachio baklava is more of an ingredient from the Middle East and North Africa, but it can also be found in Greece.

Baklava is controversial because while many ethnic groups claim baklava as their own and prepare it with varying ingredients, in 2006 Turkey raised an issue, coined the “baklava dispute” in Brussels with a grievance that the Greek Cypriots wanted to claim ownership of the baklava (note that Turkey was an aspiring member of the EU). It was finally resolved in 2013 when the EU awarded Turkey the honor of “protected status” and named the Turkish dessert Gaziantep Baklava.

However, there are variations of the dessert, so it can be assumed that Greece still retains some ownership of its recipe and it can be found throughout the country.

In Athens, some of the best pastry shops to buy baklava include Mitropolitikon in the center which cuts small pieces into cubes and wraps them in paper – perfect for eating on the go, and Chatzis in Syntagma (Parliament) Square which fills theirs with fresh whipped cream. Appreciate and be careful before initiating a conversation about its origins.

Kataifi, a Greek dessert similar to baklava.

Kataifi, a Greek dessert similar to baklava

Photo credit: mario bonanno / Shutterstock.com

5. Kataifi

Similar to baklava, this dessert with Middle Eastern roots is stuffed with chopped walnuts, almonds or pistachios. However, the pastry is the most interesting.

Kataifi – where the dessert gets its name – is shredded filo, which gives it its stringy appearance similar to angel hair pasta. Once filled, it is brushed with butter, drizzled with syrup – often with orange blossom or rose water for flavor, and then baked.

The resulting product, either as a whole round cake or in small pieces, resembles shredded wheat and is very crumbly. It’s best to eat it with your friends who won’t mind a crumbly mess. After all, they will be in the same boat.

Stani in central Athens serves great small dishes, as does Divan in a southern suburb of the city called Palio Faliro. Make an effort to spend some time in this suburb and visit the unique Stavros Niarchos cultural center and other places in the area, then end your afternoon with a nice slice of traditional Greek dessert.

Bougatsa, a Greek dish filled with pastry cream.

Bougatsa in the Greek city of Chania

Photo credit: TristanBalme / Shutterstock.com

6. Bougatsa

Many Greek desserts have Byzantine origins. Bougatsa is yet another such dessert. Another filo-based dessert, bougatsa can be filled with a sweet or savory filling, usually custard, and sprinkled with cinnamon and powdered sugar on top. Cheese or minced meat can be added for a savory version.

Pastry, sweet or savory, is appreciated as a breakfast dish.

The recipe originated in Asia Minor, when Constantinople belonged to the Greeks. The area at that time was famous for its desserts and sweet pies.

After the fall of Constantinople, immigrants to Greece brought the recipe and it remains a popular dish throughout the country in several bakeries and pastry shops, especially in the north of the country, such as Greece’s second largest city, Thessaloniki, and the city of Serres in Central Macedonia. Celebrity American chef Anthony Bourdain came to Greece to film a cooking show and looked at the process of making bougatsa by hand in Serres.

Melomakorona, an oval-shaped Greek cookie.

Melomakorona, an oval-shaped Greek cookie

Photo credit: PhotoMavenStock / Shutterstock.com

7. Melomakarona

Now let’s move on to seasonal cookies and desserts. The main ingredients of this oval-shaped biscuit are flour, olive oil, honey, semolina, orange and sprinkled with nuts. It is therefore not a cookie in the Western sense and it is surprisingly low in calories due to the number of natural ingredients used.

It dates back to ancient Greek times when makaronia – a piece of flatbread shaped like a small oval egg was eaten after funerals to signify that the deceased was a blessed person.

As the dessert evolved, it was dipped in honey or “meli” in Greek, hence its new name. Nowadays, it is the most popular Greek dessert to eat during Christmas time, especially during the 12 Days of Christmas.

If you are in the countryside during this time, expect every bakery shop window to be adorned with this delicacy. Walk into any neighborhood bakery and you’re sure to have one to sample.

Vasilopita, a Greek New Year's cake.

Vasilopita, a Greek New Year’s cake

Photo credit: Hans Geel / Shutterstock.com

8. Vasilopita

If you are lucky enough to be in Greece during the New Year period, on January 1 (St. Basil’s Day) there will be the traditional cut of the Vasilopita cake, usually at midnight on New Year’s Eve to celebrate the Life of Saint Basil. It’s a simple cake with many parts of the country having their own versions. Usually there’s no fancy frosting on top, just simple cake batter. Many people add juice from fresh oranges to give the cake a tangy or piquant flavor.

A coin is inserted before the cake is baked and tradition holds that the person who gets the coin when cutting and consuming their piece of cake is lucky throughout the year.

The Greeks have a “pita cup” party, which they call the Vasilopita party. I hope to have the part one day!

For more information on traveling to Greece, check out these articles:

New FCA rules to open LTAF marketing to more investors

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The FCA has published a consultation paper (CP22/14) on broadening access to the long-term asset fund (“LTAF”) by retail investors and defined contribution pension plans. The proposals reflect his desire to see investing in long-term illiquid assets as a feasible option for a wider range of investors with long-term investment horizons who understand risk and can absorb losses. It is an attempt to strike a balance between reducing loss and risk and facilitating more investment opportunities.

Our previous article provides an in-depth analysis of LTAF, which is a new, distinct category of authorized open-end funds designed to allow professional investors to invest in long-term illiquid assets through an authorized fund vehicle.

What does the consultation say?

The FCA has outlined its proposals that would enable broader access to non-traditional and typically hard-to-reach investments, leading to portfolio diversification and potentially higher returns, while incorporating additional investor protections.

The main proposals include:

  • Reclassification the LTAF as a restricted investment in the mass market (“RMMI”) based on the rules set out by the FCA in PS22/10 on strengthening financial promotion rules for high-risk investments. As it stands, the LTAF promotion is restricted to Professional Investors, Certified and Self-Certified Sophisticated Investors and Certified High Net Worth Individuals. Restricted retail investors could invest as long as they undertake suitability assessments to show they understand the risks and redemption terms before being allowed to invest up to 10% of their portfolio in LTAF. In addition, the regulator is proposing that restricted retail investors receive a specific risk warning, including specific references to investment horizon, liquidity and redemptions.
  • Increase the exposure quantity funds of alternative investment funds may have in LTAF (up to a maximum of 50% of plan assets in LTAFs and 35% in an LTAF) and the disabling of the enhanced due diligence provisions under the COLL for FAIFs that invest in LTAFs.
  • Alignment of some LTAF rules the investor protection rules that apply to other authorized retail funds, including:
    • Full engagement with unitholders regarding any proposed fundamental or material change to the fund.
    • Regular updates for investors should be provided in the event of a suspension of trading.
    • Modalities for holding meetings of unitholders.
    • Restrictions on the types of payments and charges that may be levied on the classes of LTAF units made available to retail clients.
  • Removal of the 35% restriction on illiquid assets in unit-linked products, where the investor is an eligible default pension plan. This would give LTAFs a status equivalent to other illiquid assets, which would fulfill the conditions to ensure an appropriate degree of consumer protection.

The regulator notes that there would be no requirement for firms to produce and distribute LTAFs for retail investors, or for investors to only use LTAFs to invest in long-term illiquid assets. He also acknowledges that it may take some time before significant numbers of LTAF are produced and widely marketed.

The FCA also stressed the need for all companies that manufacture, manage or distribute LTAF to retail investors and customers to comply with the new consumer obligation.

We encourage readers to take note of a wider set of changes announced by the FCA separately on strengthening financial promotion rules for high-risk investments, as mentioned above.

Next steps

Comments are welcome until October 10, 2022, after which the regulator intends to publish a final policy statement and final handbook rules in early 2023.

Article co-authored by Anna Burdzy

Is natural deodorant really healthier for you?

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Natural deodorants are nothing new. Browse the aisles of your grocery store and chances are you’ll find shelves full of produce, as well as natural versions of various other personal care, home, and beauty products. Often they are more expensive than their more conventional counterparts.

The implication is that natural products are inherently safer and purer than the so-called “unnatural” versions, which have been used for decades.

But are natural deodorants really better for you than regular old Speed ​​Sticks? Here’s what the experts and scientific evidence suggest.

The difference between natural deodorant and conventional deodorant

Before we compare natural and conventional deodorants, it’s worth pointing out that there are actually two different types of products within the deodorant category: deodorants and antiperspirants. As explained in an article by Annals of Dermatology and Venereology in 2020, antiperspirants are formulated to prevent sweating, and they use aluminum salts as the active ingredient to do this.

Deodorants, on the other hand, do not actually prevent sweating. Instead, they aim to mask sweat odors with fragrance and an active antimicrobial ingredient to limit the growth of odor-causing bacteria. According to an article from International Journal of Dermatology, the active ingredient in conventional deodorants is often triclosan, which research has shown to be a synthetic antimicrobial agent. Natural deodorants, on the other hand, are usually based on essential oils and plant extracts, which act as a fragrance and also have antimicrobial properties.

Most, but not all, natural deodorants are aluminum-free. But even those lines are blurred. For example, Tom’s of Maine, a brand known for selling natural products, has a few aluminum-containing antiperspirant products, as well as its many aluminum-free deodorant offerings. These antiperspirants don’t say “natural” on the packaging, but the fact that they’re sold by a company that claims to use natural ingredients could certainly confuse consumers. Additionally, the U.S. Food and Drug Administration (FDA) has not defined the term “natural” as used in cosmetic labeling, and therefore there are no meaningful regulations on how brands use the term or what ingredients might be in so-called “natural”. ” some products.

Are conventional deodorants and antiperspirants harmful?

“The noise around conventional deodorants dates back to the early 1990s, with an email chain letter circulating claiming that deodorants block sweating and the flushing out of toxins, and could swell lymph nodes and cause cancer” , says Jeffrey Fromowitz, MD, board-certified dermatologist and medical director of Boca Dermatology in Boca Raton, Florida. “To date, these risks have not been demonstrated.”

An article published in natural medicine in 2004 called the email chain a hoax and pointed to a study published in 2002 in the Journal of the National Cancer Institute which looked at data from 1,600 women and found that deodorant use was not associated with breast cancer. The natural medicine the article also questioned the validity of two studies — one published in 2003 in the European Journal of Cancer Prevention which linked the use of antiperspirants and frequent shaving of the armpits to breast cancer, and a 2004 publication in the Journal of Applied Toxicology which showed that parabens (preservatives used in cosmetics, including deodorants, which mimic estrogen) were found in breast tumors. The first study, according to the American Cancer Society (ACS), was small and poorly designed, and its results were not supported by other research. The second study, according to the ACS, found parabens in breast cancer tumors, but it did not show that these parabens caused or promoted tumor development or that the use of products containing parabens was linked. to breast cancer.

“There were also concerns about aluminum exposure and Alzheimer’s disease,” says Dr. Fromowitz. “But as the science of the disease has progressed, experts have dismissed that idea.” In other words, conventional deodorants and antiperspirants are safe to use, he says.

According to the FDA, conventional deodorants and antiperspirants are perfectly safe for regular use in humans. If you are still worried about using conventional antiperspirants, you can also take comfort in the fact that due to their mode of action, these products are classified by the FDA as both cosmetics and drugs, and are therefore subject to to stricter regulations than conventional products. and natural deodorants, which are simply classified as cosmetics.

To date, there’s no reason to believe that natural deodorants have any negative health effects either. But, as is the case with conventional deodorants, they may contain ingredients that some people are sensitive or allergic to. Most often, it is the fragrance ingredients in deodorants that cause dermatitis, a common skin irritation that usually presents as a rash or patch of dry, itchy skin. If you experience itching or other skin issues under your arms after applying deodorant or antiperspirant, Fromowitz recommends talking to a dermatologist.

What to look for in a natural deodorant

Although the evidence does not support the idea that conventional deodorants and antiperspirants have negative health effects, some people prefer to use natural products made without artificial ingredients. Natural deodorants might also be a good alternative for people who have tried many conventional antiperspirants and deodorants and found that their skin was sensitive to them. Again, though, it’s important to remember that aluminum-free natural deodorants don’t prevent sweat — they just mask its smell.

If you’re looking for a natural deodorant, Jenelle Kim, MD of Chinese Medicine and founder of San Diego-based JBK Wellness Labs, recommends reading the ingredient list rather than just trusting claims on the front of the label like ” natural” or “pure beauty.” Ideally, brands should be transparent about what their product contains, she says, instead of just listing terms like “natural fragrance” without being specific about the ingredients from which the fragrance is derived. Fromowitz also recommends paying close attention to the essential oils and other fragrances used in the products you choose, as these are the most likely to cause irritation.

Beyond that, there is no consensus or evidence to say that some ingredients in natural deodorant products are more effective than others. If you want to go the natural deodorant route, try a few with different ingredients and decide which, if any, works best for you.

Consumer and Business Debt Consolidation Market 2022 Data Analysis by Key Vendors like | Discover Personal Loans (US), Lending Club (US), Payoff (US)

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Consumer and Business Debt Consolidation Market Overview:
The report provides key statistics on the Consolidation of consumer and business debt status of manufacturers and is an invaluable source of advice and guidance for companies and individuals interested in the ICT media industry. the report also provides a general overview of the industry including definition, applications and manufacturing technology. The report then takes an in-depth look at the major international players in the industry. Consumer and Business Debt Consolidation presents company profile, product specification, capacity, production value and market share for each company from 2022 to 2030 in this section.

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Key Players of Consumer and Business Debt Consolidation Market
The Consumer and Business Debt Consolidation is designed to include both qualitative and quantitative aspects of the industry in each of the regions and countries involved in the study. Furthermore, the research also provides detailed information on the crucial aspects such as driving factors and challenges that will define the future growth of consumer and business debt consolidation. In addition, the report should also incorporate accessible opportunities in micro markets for stakeholders to invest in, along with a detailed analysis of the competitive landscape and product offerings of major players.

The study of the growth of the leading market player in the target sector includes new projects with SWOT, PESTAL analysis, speculative returns, innovations and study of the accessibility of companies. some of the profiled players are Discover Personal Loans (US), Lending Club (US), Payoff (US), SoFi (US), FreedomPlus (US)

Consumer and Business Debt Consolidation Market by Product Type
Credit card debt, Overdrafts or borrowings, Other

Consumer and Business Debt Consolidation Market by Application
Company, Private

Regional Overviews of Consumer and Business Debt Consolidation Market:
The country section of the report also provides individualistic market impacting factors and regulatory changes within the market internally that impact on present and future trends in the Consumer and Business Debt Consolidation. Data points such as consumption volumes, price analysis, production sites and volumes, import and export analysis, raw material cost, downstream value chain analysis and upstream are some of the major indicators used to predict the market scenario for individuals. countries.

Consumer and Business Debt Consolidation Segment by Regions, regional analysis covers
• North America (United States, Canada and Mexico)
• Europe (Germany, United Kingdom, France, Italy, Russia, Spain and Benelux)
• Asia-Pacific (China, Japan, India, Southeast Asia and Australia)
• Latin America (Brazil, Argentina and Colombia)
• Middle East and Africa

The report provides information about the following pointers:
Consumer and Business Debt Consolidation Market Penetration: In-depth analysis of product portfolios for key players contributing to market growth
Product Development/Innovation in Consumer and Business Debt Consolidation Market: Detailed information on upcoming technologies, R&D activities and product launches and their influence on changing market dynamics.
Consumer and Business Debt Consolidation Market Competitive Assessment: In-depth assessment of product revenue, geographic market share, key strategies appropriated by major market players.
Development of Consumer and Business Debt Consolidation Market: The report has impressed the key technological developments along with the partnerships, collaborations, mergers, acquisitions, and similar relevant developments taking place in the market.
Consumer and Business Debt Consolidation Market Diversification: Details regarding new product launches, geographic expansion, to strengthen market presence and to diversify are covered in this section.

Key benefits of the report:
• This study presents the analytical description of the global Consumer and Business Debt Consolidation industry together with the current trends and future estimations to determine the impending pockets of investment.
• The report presents information related to key drivers, restraints, and opportunities, as well as an in-depth analysis of the global Consumer and Business Debt Consolidation Market. to share.
• The current market is quantitatively analyzed to highlight the growth scenario of the Global Consumer and Business Debt Consolidation Market.
• Porter’s Five Forces analysis illustrates the power of buyers and suppliers in the marketplace.
• The report provides a detailed analysis of the Global Consumer and Business Debt Consolidation Market based on the intensity of the competition and how the competition will shape in the coming years.

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Ree Drummond improves on her favorite pasta recipe

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Ree Drummond improved on her easy pantry pasta recipe by replacing some of the staples she used in the original dish. The pioneer woman star also offered ideas to change it up even more.

Ree Drummond | Tyler Essary/NBC/NBCU Photo Bank

Ree Drummond has changed one of her favorite pasta recipes

Drummond showed how to make his improved pasta recipe on an episode of The pioneer woman. “I dive into my old cookbook Come and get it and I also dive into my pantry,” she said. “I’m making pasta for Pantry 2.0. It’s based on one of my favorite pantry dishes. It is an extraordinary property.

Drummond explained, “The idea is to open your pantry, use what you have, and modify it according to what you have on hand.”

The recipe introduction explained some of the ingredient swaps it uses in this “2.0” version. “In this update to her classic pantry pasta recipe, Ree uses Calabrian chiles, sun-dried tomato pesto, basil and Parmesan cheese. The key to this dish is to use whatever you have on hand – experiment and enjoy!”

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Drummond kicked his simple pasta sauce

For her easy sauce, Drummond sautéed onions in olive oil and added canned diced tomatoes and sliced ​​hearts of palm, which replaced the artichoke hearts she used in the original recipe. She also mentioned the use of olives, explaining, “I’ve made this before with assorted jar olives and ooh, it’s so good.”

Drummond also changed another ingredient from the original: she used Calabrian chiles rather than roasted red peppers. “Calabrian peppers are amazing,” she noted. “A little sweet.”

The Food Network host mixed the ingredients together then added broth. “You might notice that there really isn’t much in this sauce so far that’s perishable,” she pointed out. “Most of these things are things I have in the pantry at all times.”

Drummond added garlic, simmered the sauce, and added sun-dried tomato pesto at the end for “serious flavor.”

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‘The Pioneer Woman’ star also changed up the noodles

Drummond made butterfly pasta rather than using fusilli, which is in his original recipe. “That’s the beauty of pantry pasta,” she says. “You can use whatever you have.”

She drained the pasta and added it to the sauce. “I’ve never made this pantry pasta with a type of pasta that doesn’t work,” Drummond said. “You can even break lasagna noodles into small pieces in a snap if you’re out of pasta.”

The pioneer woman star sprinkled parmesan over the pasta, put it in a bowl, and topped it with torn basil leaves and more parmesan.

The full recipe is available on the Food Network website.

Drummond’s original pantry pasta recipe is a fan favorite

Drummond’s original pasta recipe receives rave reviews on the Food Network site.

“Oh my word y’all! This is one of the best pasta dishes I have ever made! one person wrote.

Another reviewer commented, “Easy and tastes great!”

One person shared, “This is one of the tastiest sauces I have ever made! It’s simple, fast and versatile.

Some reviewers have pointed to the addition of chicken or shrimp to make the dish an even heartier meal.

RELATED: ‘The Pioneer Woman’: Ree Drummond Uses 1 Easy Shortcut For Her Quick Skillet Pizza Recipe

How the farms of the future are transforming waste-to-energy operations

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The use of renewable energy in the agricultural industry is an exciting new frontier that, with the right partners, can bring environmental and economic benefits to farmers, surrounding communities and the renewable transportation fuels industry. And it really revolves around manure.

The use of livestock manure is nothing new. Historically, it is a proven agricultural method for improving soil quality to help crops grow. Using manure as a natural fertilizer also keeps carbon in the soil and out of the atmosphere, where it can form carbon dioxide (CO2), a greenhouse gas (GHG). This is essential, as agriculture accounts for 11% of total GHG emissions. Add to that the transport and electricity industries which account for 27% and 25% of GHG emissions respectively, and we are looking at nearly two-thirds of the causes that contribute to climate change.

Fortunately, these emissions can all be reduced using technology that already exists. Through the use of biodigesters, agricultural manure can be converted into renewable natural gas (RNG) and the leftovers into valuable materials including fertilizers, drinking water and CO2.

Anaerobic digestion

According to the United States Environmental Protection Agency (EPA), an anaerobic biodigester is a system that uses organic waste to produce fertilizer and biogas or renewable fuel (Figure 1). It is usually an airtight container made of high-density polyethylene that uses anaerobic digestion, a fermentation process devoid of oxygen. The process separates the methane from the solids and liquids that make up the manure while effectively preventing the smell from escaping into nearby communities. The methane captured at the top of the biodigester containers can then be used to create RNG.

1. The process of energy recovery from waste is quite simple. Manure undergoes anaerobic digestion to produce biogas, which is processed and upgraded to renewable natural gas and digestate. Courtesy: EnTech Solutions

The process begins when animal manure is deposited into anaerobic biodigesters. When held at a temperature of 100F, biodigesters create an environment where microbes grow and consume volatile solids from manure while producing methane.

The extracted methane gas can be reused in various ways. It has traditionally been used to generate electricity through fuel-powered generator engines, but it can also be used to produce clean GNR fuel. RNG is an essential part of a clean energy future as it is an efficient alternative to fossil natural gas. The cow manure conversion process is carbon negative and equates to a carbon intensity (CI) score of almost 300 negative.

RNG can be injected into a pipeline and used in the transportation industry for cleaner burning vehicles. This is especially important for vehicle fleets in states like California, Oregon, Washington, and New York, all of which have regulations requiring companies to use cleaner-burning vehicle fuels. The use of RNG reduces pollution and allows organizations in the transport sector to meet these requirements. Research shows that when all climate benefits are considered together, RNG from dairy manure can reduce GHG emissions by up to 400% when used to replace traditional vehicle fuels.

Investing in anaerobic biodigesters also benefits the agricultural industry. Local farmers who send their manure to an anaerobic biodigester facility reap the benefits of various nutrient streams once the manure is processed. Once the methane is extracted, nutrient concentration systems can further break down the manure to remove pathogens like phosphorus that previously contaminated nearby water sources.

The end product of the solid fiber material is sent back to farmers for use as compost and bedding, saving them the hassle of buying sawdust, wood chips, straw or sand. Additionally, through nutrient concentration systems, the liquid material can be further separated into a concentrated liquid fertilizer that farmers can use in their fields. This leaves evacuable water through streams that can either return directly to the local water system or be used by local farms for irrigation or livestock.

The future is now in Wisconsin

When we say “farms of the future”, we actually mean now. This biodigester technology is in use at a facility in Middleton, Wisconsin, located just outside the state capitol (Figure 2). The project is a remarkable example of what the agriculture industry can achieve today.

2. EnTech Solutions owns and operates a biodigester facility in Middleton, Wisconsin. The majority of the facility’s electricity comes from an on-site solar plus battery micro-grid. Courtesy: EnTech Solutions

EnTech Solutions, a clean energy provider, and Northern Biogas, a digester and RNG development company, have partnered with local farmers and Dane County to reuse a biodigester that previously generated electricity. The Middleton facility includes three anaerobic biodigesters that break down manure from four local dairy farms.

In 2021, more than 27 million gallons of manure were processed by the facility and more than 57,000 pounds of phosphorus was removed from the Yahara watershed, a natural drainage system in southern Wisconsin. The partnership also includes Aqua Innovations Nutrient Concentration System and US Gain as the purchaser of the RNG.

This self-sustaining network benefits farmers who can better manage their animal waste, prevent the release of methane into the atmosphere, and receive the resulting nutrient-rich materials for their fertilizer and bedding (Figure 3). It benefits the county and the community by reducing phosphorus runoff to nearby streams and lakes. And it benefits the renewable transportation fuels industry with the RNG created by the extracted methane.

3. The remaining result of anaerobic digestion is digestate that can be used as animal bedding and fertilizer. At Middleton Digester, the digestate is thoroughly dried before being sent back for further use on local farms. Courtesy: EnTech Solutions

Help improve farm profitability

Beyond these benefits, the Middleton facility has also been strategically upgraded to run on renewable energy. EnTech Solutions powers the Middleton facility using distributed energy in the form of a microgrid powered by rooftop and ground mounted solar panels and battery storage. The solar power system generates over 2.8 MW of clean energy, which could power over 400 homes. This effectively reduces emissions by more than 13,500 metric tons per year of CO2 equivalent, which amounts to eliminating nearly 34 million kilometers traveled by cars.

The more layers of renewable energy incorporated into the RNG creation, the greater the GHG reduction impact and the lower the IC score. For example, if RNG was transported using fleets of electric vehicles powered by renewable electricity, this would further reduce the environmental impact. By generating and using renewable energy in the facility through solar technology and micro-grids, EnTech Solutions lowers the RNG’s CI score, making it cleaner and more valuable.

The long-term benefits also continue to accrue to farmers. Transforming farm operations preserves the way of life of farm families while solving many of the problems they face. Advanced anaerobic biodigesters open the door to more revenue from crops and dairy, as well as increased production of manure converted into RNG, fertilizer and bedding, creating an easier path to agricultural growth.

The anaerobic biodigester facility in Middleton, Wisconsin is an excellent example of what the farms of the future can look like. Using renewable energy, even at the scale of an industrial facility, is a self-sustaining model that can be replicated in communities across the country.

Cows produce manure – it’s nothing new – but now the technology exists to reap the benefits of this waste with anaerobic biodigester plants, nutrient concentration systems and renewable energy sources, enabling clean operations carbon neutral or even carbon negative. These state-of-the-art facilities allow farmers to continue to manage their operations while ensuring that they are more environmentally conscious. We have said that these are the farms of the future, but in reality, this future is now.

The question of how to produce enough food to feed a growing global population while simultaneously reducing the carbon footprint of operations is an ongoing challenge for consumers and policy makers, and one that is multi-faceted. The energy experts at EnTech Solutions remain committed to supporting the dairy industry as a solution provider in the global quest to achieve net neutrality. The opportunity exists to create economically viable options for agricultural waste management that can be easily replicated and that can provide solutions to a number of waste-related challenges facing the industry.

Based on feedback from various stakeholders, this project was a resounding success for everyone involved. Positive community impacts include improved environmental watershed by more reliably removing phosphorus from agricultural runoff. City and county officials shared that this process has become a source of pride that other municipalities would like to emulate.

In December 2021, EnTech Solutions received a Climate Champion award from the Dane County Office of Energy and Climate in recognition of our concrete and innovative steps towards climate success in the county. On the farm, the image and reputation of dairy farming in this region is greatly enhanced by shifting public perception from dairy farming contributing to the GHG problem to farmers actively working to address climate change issues.

Scott Romenesko is President of EnTech Solutions.

Watch out for polar bears! The Washington adventurer aims to be the 1st to cross the Northwest Passage on a paddleboard

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A western Washington adventurer set out last week trying to become the first person to cross the Northwest Passage on a stand-up paddle board. The passage is the legendary, but normally frozen, sea route between the Atlantic and the Pacific through Canada’s far north.

The solo paddleboard trip is the brainchild of Karl Kruger of Orcas Island, Washington. If that name sounds familiar, it might be because Kruger is the first – and so far only – person to complete the 750-mile race to Alaska from Port Townsend to Ketchikan on a stand-up. paddle. It was during that 2017 run through the Inside Passage – the R2AK in shorthand – that Kruger said he had the idea to tackle the much longer Northwest Passage for a “deeper experience “.

“What I found myself wanting after R2AK was just more,” Kruger explained. “What made me happiest about the race to Alaska was A, the loneliness and B, the connections I made along the way with people.”

Adventurer Karl Kruger set out from Tuktoyaktuk, Canada on July 24 to conquer the Northwest Passage with approximately 150 pounds of food and gear strapped to his paddle board.

Scott Brennan/Courtesy Photo

On July 24, Kruger launched its custom-built 18-foot expedition-style paddleboard into the Arctic Ocean from Tuktoyaktuk, near the northwest corner of Canada. The appeal of this launch point is that it is the only place along the Arctic coast of the Northwest Territories connected by road to the rest of North America. If all goes as planned, Kruger will skirt the coast to the east and follow the receding pack ice for 1,900 miles until he arrives at Pond Inlet, at the northeast tip of Baffin Island, in Canada.

“There are so many risks that I can’t even count them all, physical risks involved in doing this project,” Kruger said. “But at the same time, I also know that I can do it. In the end, I’ll have a lot to share. For me personally, I think the biggest danger of this journey is not making it.

Risks include stormy weather, hungry polar bears, shifting sea ice, and hypothermia from falling in cold, cold water. Race to Alaska co-founder Jake Beattie said he wasn’t too worried about Kruger’s survival on this trip.

“When I first heard about his Northwest Passage paddle, I think I had two reactions. They were simultaneous, straightforward and if anyone can do it, Karl can do it. “, said Beattie from Port Townsend.

Beattie described Kruger as “an incredibly capable sailor” with an “amazing combination” of physical form and mental toughness.

“He’s unlike anyone I’ve ever met,” Beattie said. “He can go through anything.”

Kruger organized supply drops in coastal villages along the planned route. He paddles between them with packets of freeze-dried food and a high-energy protein shake mix strapped to the bow and stern of his paddleboard.

Perhaps the most unusual piece of equipment Kruger has packed for this odyssey is a tripwire to encircle his tent. This wire sets off a loud bang if a polar bear approaches while Kruger is sleeping.

The 50-year-old father is giving himself about seven weeks to complete the Northwest Passage before resuming his day job as a guide and charter boat captain based in Washington’s San Juan Islands. Support team member Elyn Oliver wrote in a July 25 Facebook update that Kruger rode 14 miles on the day he left and rode 15 miles on the second day as he battled strong winds opposites and rough seas.

In an email interview with Tuktoyaktuk the day before departure, Kruger said he expected highlights of the trip to include paddling alongside beluga whales, seeing his first polar bear in the wild, donning ice floes and meet Inuit residents and learn about their connection to northern warming. He said one of his motivations, besides personal challenge and growth, was to bring attention to how Inuit ways of life and the Arctic environment are changing.

“What also drew me to this project was the very reason it’s possible for me to paddle here in one season: climate change,” Kruger said. “The Arctic is no longer what people imagine it to be. It has changed a lot.”

The Northwest Passage has been of interest to explorers for centuries. Some of history’s most accomplished seafarers have tried unsuccessfully to find a shorter trade route between Europe and the Far East, including John Cabot, Captain James Cook, George Vancouver and Vitus Bering. The arctic route was difficult to determine due to shoals and the presence of sea ice most of the year.

Norwegian explorer Roald Amundsen led the first expedition to successfully sail until 1906. It took another 38 years before the second sail took place, this one by a Royal Canadian Mounted Police crew in a reinforced schooner to manage icy waters.

Recent seasonal sea ice retreat due to climate change has led to increased shipping traffic and commercial interest in the High Arctic, leading the Canadian Coast Guard to create an Arctic Region Command. Arctic in 2018. But search and rescue resources are still scarce.

“Traveling through the Northwest Passage is a risky business, and it is in favorable weather conditions. Often the weather conditions are unfavorable and it is a challenge even for a larger, well-equipped vessel,” Steve said. Thompson, Superintendent of Marine Transportation for the Canadian Coast Guard. search and rescue in the Arctic region.

“The Arctic is unforgiving. These voyages are dangerous and those undertaking them really need to consider the risks they pose to themselves as well as others, including community responders as well as professional responders.”

If an adventurer got into trouble, the first to come to the rescue would probably be Inuit villagers or hunters. Thompson said the Canadian Coast Guard has provided training, and in some cases new lifeboats, to volunteers in Arctic villages who serve as Coast Guard auxiliaries.

Kruger carries a SPOT satellite tracker, a device that can transmit a distress signal and act as an emergency locator beacon. The tracking device updates its position 24 hours a day on a public online map (click on the “load limited data” button).

Two other expeditions have made plans for the first historic transits of the Northwest Passage under human power this summer, albeit in the opposite direction chosen by Kruger. Scotsman Levan Brown planned to leave Baffin Island with two eight-person rowboats bound for Point Barrow, Alaska, but announced in June that the expedition would be postponed until next summer due to ice conditions unfavorable and supply management problems.

Any day now, a Texas trio dubbed the Arctic Cowboys expect to leave Pond Inlet for Tuktoyaktuk by sea kayak. Like Kruger, the Cowboys plan to camp ashore, but since there are three of them, they can sleep take turns with someone on the lookout for polar bears under the midnight sun. They give themselves two months to cross the Northwest Passage to the west.

Peach burrata recipe

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Published:
10:00 a.m. July 31, 2022



You may be surprised to learn that most of the mozzarella consumed in this country is made in the UK (over 70%). Not so with its cousin burrata – a thing of beauty, and the Rolls Royce of soft, creamy Italian cheeses. To me too much of the mozzarella we eat in the UK is relatively tasteless and chewy. Whereas burrata is rich, soft, flavorful and wonderfully creamy.

Burrata originates from Puglia (the heel of Italy), but is also produced in the UK. For example, the Laverstoke Park Farm version is made in Hampshire and available in most quality supermarkets. Burrata starts out like mozzarella and is made with hot buffalo milk and rennet. However, what is different is that the hot curd is then made into a bag. The remaining mozzarella is added with the cream before closing the bag.

There are few things more indulgent in Italy than having prosciutto, burrata and extra virgin olive oil for breakfast. It pairs so well with most deli meats, crusty bread, pasta and, of course, salad. I really hope you enjoy the recipe below for a simplified version of one of our current dishes, which is a little summer corker. It’s designed to be a starter, but if you wanted to turn it into a nice lunch or a light supper.

Burrata with peach, honey and hazelnut

(For 2 people)

Ingredients

1 burrata

1 ripe peach

50g hazelnuts

1 small shallot, finely chopped

50ml honey

125ml olive oil

25ml balsamic vinegar

10 sprigs of lemon thyme

Method

Roast the hazelnuts in a preheated oven at 140°C for 15 to 18 minutes until golden brown, then let cool completely.

Cut the “cheeks” from the peach by cutting each side of the stone, then thinly slice the cheeks. Your knife will need to be sharp for this job!

Chop the hazelnuts (or briefly pass through the food processor).

Cut the burrata in half and season the center with a good pinch of sea salt.

Arrange the burrata and the peach on a plate.

Mix the hazelnuts, shallots, honey, olive oil, balsamic and lemon thyme leaves then season your salad. Serve at room temperature.

theunrulypig.co.uk

MEO center offers credit counseling services | News, Sports, Jobs

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The Maui Economic Opportunity Business Development Center now offers credit counseling services to residents with credit debt or student loans.

The center recently certified Maui and Molokai staff members as National Consumer Counseling Professionals and expanded its services by offering free credit counseling services to the public.

The center’s credit counselors can perform an in-depth analysis of an individual’s or family’s financial situation to find ways to save and get out of debt. Services include debt consolidation, which can reduce interest rates by more than 60% and monthly credit card payments by 25%.

MEO’s Business Development Center also has two Certified Student Loan Counselors who can review financial profiles, including federal student loans, and work to find affordable solutions.

“Credit counselors can’t wave a magic wand and make debt disappear,” said David Daly, Director of MEO’s Business Development Center. “They can help reduce interest rates and develop a debt management and repayment plan that is workable and avoids bankruptcy. We can also help prevent future credit and debt problems through our counseling process.

For more information about the credit counseling program, contact MOE’s Business Development Center at (808) 243-4318.




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To defend the wearing of flip-flops – yes, even in monsoon-soaked cities

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Sensitive? Reckless? Call it what you will, but walking through New York in flip flops is, to me, liberating. They’re easy to put on, comfortable and, with new styles hitting the market every season, a color-block sole! flip flops encrusted with rhinestones! – it’s a fun way to vary your look. Simply put, wearing flip flops in the summer is a no-brainer…even in a metropolitan city known for its grime.

Many people have a gut reaction when they hear the words flip flops and big metropolitans in the same sentence. They just can’t get over the supposed disgust factor of walking with their toes so close to the ground without twisting their face in disgust. “I tried wearing Havaianas the first summer I moved to New York,” says vogue editor-in-chief Chioma Nnadi. “You basically sweep the street with the soles of your feet…. At the end of the day, it was just disgusting.

And yet, there’s a reason the see-saw has retained its popularity, albeit divisively. “While most feet tend to prefer a low heel (about one to two inches), many people feel comfortable with their feet exposed and in as close to a barefoot position as possible,” explains the New York podiatrist Ernest L. Isaacson. . We elevate, twist and squeeze our feet all year round, it only makes sense that they just want to lay flat once in a while.

Paris Hilton, possibly in disguise, in 2006.

Photo: Getty Images

Justine Skye in June.

Photo: Getty Images

Basic instincts aside, the city flip flops are functional for those on the go. While they’ve been largely restricted to the beach in the United States, that’s not the case around the world. During Japan’s Edo period (1603-1867), the zori sandal – a traditional shoe resembling today’s modern flip flops, which was used for “walking quietly on hard, dry ground”, such as the document it 1919 Guide to Japanese Textiles— experienced rapid commercialization due to its popularity and continues to be a staple shoe for commuters. Fun fact: it was the zori that inspired Havaianas flip flops to create its Tradi sandal in 1962.

Fast forward to the early years when flip flops were heavy hitters in the fashion zeitgeist, becoming, dare I say, mall chic? Americans with a penchant for low-rise, discount velor were sent on a thong frenzy when Old Navy launched its legendary $1 sale in 2005. Turns out, 10-year-old me wasn’t the alone to marvel at the idea of ​​owning several pairs in bubblegum pink, lime green and neon yellow. TikTok influencer Kate Steinberg perfectly sums up the feeling of snagging the latest size 8, which always seemed to sell out first.

Alexander Ezra, DC, Chiropractor with STRIVE Total Wellness

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Get to know chiropractor Dr. Alexander Ezra, who serves patients in New York, New York.

(ProNewsReport Editorial): – New York City, New York July 28, 2022 (Issuewire.com) – An established chiropractor, Dr. Ezra practices at STRIVE Total Wellness. He works within a multidisciplinary sports medicine framework that includes orthopedics, physical medicine, physiotherapy, acupuncture and massage therapy. He specializes in the treatment of spinal and musculoskeletal injuries through a variety of evidence-based techniques such as spinal manipulation, active release technique, Graston, and non-surgical spinal decompression.

STRIVE Total Wellness is a premier full-service wellness center located in the heart of New York City. They offer a range of services designed to optimize the health and general well-being of patients. Combining physiotherapy, massage therapy, chiropractic care, acupuncture, yoga, pilates, personal training, and nutritional support, their team of licensed physicians and therapists implements and executes a personalized treatment plan designed specifically for patients.

Educated in the United States, Dr. Ezra attended the University of Vermont where he earned his bachelor’s degree. He then graduated with honors with his Doctor of Chiropractic from Life University in 2015.

Chiropractic is a form of alternative medicine that primarily deals with the diagnosis and treatment of mechanical disorders of the musculoskeletal system, especially the spine. A chiropractor uses spinal adjustments, manipulations and other techniques to manage patient health issues including neck pain, back pain, headaches, dizziness and a long list of other ailments and ailments. They aim to improve functionality and quality of life for patients by properly aligning the musculoskeletal structure of the body and allowing the body to heal itself naturally, without the need for medication or surgery.

Learn more about Dr. Alexander Ezra:
Thanks to his findatopdoc profile, https://www.findatopdoc.com/doctor/2572207-Alexander-Ezra-Chiropractor

About FindaTopDoc.com
FindaTopDoc is a digital health information company that helps connect patients with local doctors and specialists who accept your insurance. Our goal is to guide you on your journey to optimal health by providing you with the know-how to make informed decisions for you and your family.

What are the most attractive lips? No more waiting

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July 27, 2022 – At a time when social media and celebrity icons are driving increased demand for fuller, “pout” lips, a natural, seamless lip appearance is seen as most appealing, reports research in the August issue of Plastic and Reconstructive Surgery®, the official medical journal of the American Society of Plastic Surgeons (ASPS).

Eye-tracking studies show that viewers actually spend more time looking at lips deemed less attractive — suggesting that more attractive lips don’t mean increased attention, according to new research by Sebastian Cotofana, MD, PhD. of the Mayo Clinic, Rochester, Minnesota, and colleagues. They write: “Visual attention, based on the results of this study, does not reflect the beauty of the assessed image; quite the contrary.”

“Perceived beauty effortlessly matches the ‘internal standard'”

From a stock photo of a young woman, the researchers created a set of digitally altered images depicting a range of lip proportions (ratio of upper lip to lower lip) and volumes. A panel of observers – mostly volunteers with no medical or aesthetic training, as well as several plastic surgeons and dermatologists – rated the images for their attractiveness. The researchers also used eye-tracking technology to assess which parts of the model’s face the evaluators were looking at and how long they spent looking at each area.

In subjective ratings, a lip ratio of 1 to 1.6 (upper lip to lower lip) was found to be the most attractive: average score of 4.21 out of a possible 5. The ratio of 1:1.6 is widely accepted as the “golden ratio” for beautiful lips. In comparison, an image showing a fuller lower lip (ratio 1:2) was perceived as less attractive, with an average rating of 2.16 out of 5.

When evaluating lip volume, an image showing the model’s “unaugmented natural volume” was found to be the most appealing: average score of 4.56. In contrast, for an image showing the lips enlarged to 130% of their natural volume, the average score was 1.56. The preference for a more natural appearance “confirms previous investigations and current trends in aesthetic medicine,” write Dr. Cotofana and coauthors.

In the eye-tracking analysis, raters actually spent less time looking at the lips rated as the most attractive: those with a 1:1.6 ratio and 100% lip volume. In contrast, they spent more time looking at the images showing digitally altered lips.

Potential value mismatch

Why would observers pay more attention to features they found less appealing? This may reflect a potential mismatch between the observed image and the evaluator’s “internal standard” of beauty. “Visual stimuli that match the internal, socially influenced standard of beauty require less effort to perceive,” says Dr. Cotofana. “In contrast, visual stimuli that do not meet the internal standard of beauty require more processing time, as evidenced by involuntary eye movements captured by eye tracking.”

Thus, the results challenge the assumption that viewers will spend more time looking at the attractive parts of an image. The researchers add: “This could rather reflect the cognitive processing of the observers: less attractive content captures the attention of observers more quickly, but requires more time to be processed.

The findings may have implications for understanding aesthetic trends and behaviors – especially in the age of selfies and social media driving demands for cosmetic plastic surgery and non-invasive procedures, including lip enhancement procedures. using dermal fillers.

Although the results may seem surprising, they are in line with current trends in cosmetic medicine and surgery – emphasizing a more natural result, without obvious signs that the person has undergone surgery. “It can now be postulated that a ‘beautiful’ and ‘aesthetically pleasing’ result would fulfill the desired requirements when the patient is perceived by those around him with less cognitive effort”, conclude Dr. Cotofana and his co-authors. “[T]he perceived that beauty matched the “internal standard” effortlessly.

Click here to read “Finding the most attractive lip proportions and volume: an eye tracker and a survey-based survey”

DOI: 10.1097/PRS.0000000000009361

###

Plastic and Reconstructive Surgery® is published in Wolters Kluwer’s Lippincott portfolio.

About Plastic and Reconstructive Surgery

For more than 75 years, Plastic and Reconstructive Surgery® (http://www.prsjournal.com/) has always been the excellent reference for any specialist who uses plastic surgery techniques or works in collaboration with a plastic surgeon. The official journal of the American Society of Plastic Surgeons, Plastic and Reconstructive Surgery® brings subscribers up-to-date reports on the latest techniques and follow-up for all areas of plastic and reconstructive surgery, including breast reconstruction, experimental studies, maxillofacial reconstruction, hand and microsurgery, burn repair and cosmetic surgery, as well as news on medico-legal issues.

About the ASP

The American Society of Plastic Surgeons is the largest organization of board-certified plastic surgeons in the world. Representing more than 7,000 physician members, the society is recognized as a leading authority and source of information on aesthetic and reconstructive plastic surgery. ASPS comprises over 94% of all board-certified plastic surgeons in the United States. Founded in 1931, the society represents physicians certified by the American Board of Plastic Surgery or the Royal College of Physicians and Surgeons of Canada.

About Wolters Kluwer

Wolters Kluwer (WKL) is a global leader in professional information, software solutions and services for clinicians, nurses, accountants, lawyers and the tax, finance, auditing, risk, compliance and regulation. We help our customers make critical decisions every day by delivering expert solutions that combine deep domain knowledge with advanced technology and services.

Wolters Kluwer achieved annual sales of €4.8 billion in 2021. The group serves customers in over 180 countries, maintains operations in over 40 countries and employs around 19,800 people worldwide. The company is headquartered in Alphen aan den Rijn, the Netherlands.

Wolters Kluwer provides trusted clinical technology and evidence-based solutions that engage clinicians, patients, researchers and students in effective decision-making and outcomes in healthcare. We support clinical efficiency, learning and research, clinical monitoring and compliance, and data solutions. For more information about our solutions, visit https://www.wolterskluwer.com/en/health and follow us on LinkedIn and Twitter @WKHealth.

For more information visit www.wolterskluwer.com, follow us on TwitterFacebook, LinkedIn and YouTube.


Consumer and Business Debt Consolidation Market Size | Growth | 2022-2028

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The Market Research Intellect recently revealed an expert research report titled “Consumer and Corporate Debt Consolidation Market – Latest Trends and Drivers 2022with premium information that encompasses the company’s market size, and therefore current patterns, dangers, conceivable results, and early segments. The market research sheds light on the vital growth momentum that is expected to prevail over the 2022-2028 valuation amount. The study offers statistics on key segments in exceptional geographies, as well as an accurate mapping of the global competitive landscape. The report is metameric by varieties and applications giving position at regional, national and international levels.

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Additionally, the market report tracks global consumer and corporate debt consolidation sales in over 20 high-growth markets, in addition to analyzing the impact COVID-19 has had on the consolidation industry. consumer and corporate debt in particular. The report offers significant insights and analysis on totally different major factors such as market challenges, drivers, growth avenues, threats, and restraints.

📌 Competitive Rivalry:

The report features company profiles and provides an in-depth analysis of major companies operating in the international market. a number of squared First Main Players measure as follows:

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

Key Segmentation of the Consumer and Corporate Debt Consolidation Market:

📌 By types :

  • Credit card debt
  • Overdrafts or borrowings

📌 By request :

Small and medium enterprises, large enterprises

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Geographically, this report is metameric in certain key regions, with manufacturing, exhaustion, revenue (Million USD), market share and growth rate of Consumer and Corporate Debt Consolidation in these regions, 2016 to 2028 (forecast), covering China, USA, Europe, Japan, Korea, India, geographical region and South America and its share (%) and CAGR for the forecasted amount from 2022 to 2028.

Research methodology :

To estimate and validate the scale of the Consumer and Commercial Debt Consolidation market and many different dependent submarkets within the overall market, every square measure of top-down and bottom-up methodologies is used. Major market players are known through secondary analysis and their market shares are determined through primary and secondary analysis. Secondary sources and verified primary sources used to verify all stock splits and distributions.

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Diabetes and me: being creative with food

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It probably won’t be surprising to find that I spend a lot of time thinking about food. Not just as in “oh my god, how many carbs are in that handful of raspberries”, but also “I wonder if the protein in it would absorb better if I heated it more”.

Megan Whelan.
Photo: RNZ / Rebekah Parsons-King

I love food and not just eating. I am fascinated by recipes, science, the culture of food. I like words like maillard, mirepoix, emulsion. I’m fascinated that it’s so fundamental to our lives, and yet we’re so willing to sacrifice the joy of it for some arbitrary definition of “health,” or worse, a magazine’s definition of beauty.

One of my favorite things to make is choux pastry (think eclairs, profiteroles, donuts). Not just because I can be super pretentious and call it choux pastry, but because it’s complicated to make. Getting it right takes time, understanding what’s going on with the flour and liquid, getting the heat right, adding the eggs little by little and mixing hard – I like to do it by hand so I can be even more sufficient when I get it right. It’s part skill, part science, part luck. And when it’s good, it’s so good: light and crunchy and delicious.

Attempt to make a tower of lightning called croquembouche.

The lopsided, not-so-tall Lightning Tower was a “hilarious, delicious, and ridiculous failure,” writes Megan Whelan.
Photo: Provided

Once, for my birthday, a friend and I tried to make a croquembouche (a tower of cream-filled profiteroles covered in caramel). In a bach kitchen with an unknown oven and few utensils. It was a hilariously delicious and ridiculous failure. I have never laughed so much in a kitchen.

For a while, my type 2 diabetes took away that love, that curiosity, that willingness to experiment and fail. I can’t eat pastry, or sourdough, or pasta, or all the things that I liked to try to see if I could create in my kitchen. So why bother, I thought?

And you know what? It sucked. It took away one of the ways I feel most creative and intelligent. That I can turn flour, water, and olive oil into bread in hours, with just a bowl, a spoon, and an oven, I feel capable in a way few other things can.

For the first three months after my diagnosis, I cooked with as few carbohydrates as possible. I bought cookbooks and scoured the internet. I replaced white rice with brown, potatoes with kūmara, ramen with edamame noodles.

Tracking and weighing everything I ate was hurting my brain – more on that in a few weeks. But the hardest part was feeling like I was cooking just to deal with my condition; that diabetes ruled my culinary life. I missed planning a menu to cook for the people I loved, even though I had to figure out how to manage what I could personally eat from it.

Enter the choux pastry again. One day I was looking for lunch and was at a local French cafe. Armed with the dietician’s new knowledge that protein would help my body manage carbohydrates, it occurred to me that a gougère (puff pastry with added cheese) filled with smoked salmon and salad was not a bad option. An egg pastry has to be higher in protein than a baguette, right? (Yes, but also much higher in fat. And still quite a few carbs.)

This realization led to a much better place. I can still be creative with my food. I just had to change my way of thinking.

A few things worked for me. It’s not a TikTok “what I eat in a day” style. (Mostly because I feel like these are almost always doctored, and because what looks like a reasonable diet for one person may be terrible for another). I am not qualified to give dietary advice.

The first is planning.

No meal prep, in particular, but thinking about what I might want to eat in a week. I sit down on a weekend and go through my favorite cookbooks and sites and choose five dishes I’d like to cook. Then I make a big store with all the ingredients I need, plus snacks, protein bars, and all the other things my life needs now. I try to find things that have interesting techniques, cuisines that I’m unfamiliar with, or ingredients that are unfamiliar to me.

This means that when I come home I know what I can cook and I can choose between several things. I’m much more likely to cook when I’m not coming home and looking at a pile of ingredients and having to figure out what to do with them. It feels like, for some reason, more mental load than I can handle.

I often think about what my grandmothers would do with it, and it’s shameful. With all the resources at my fingertips, deciding what to eat seems too difficult. Boohoo, I figure you got all that food, but no motivation.

But the other thing that helped is chilling the hell out of it all. Overthinking my diet was causing far more damage to my mental health than positives to my physical health.

It’s normal that cooking dinner every night is something I find difficult. I know that I am not alone in this case. There’s enough hard stuff going on in the world right now that I’m cutting myself – and you if you will – some slack.

I motivate myself to go to the gym, take my medicine, drink my water and manage my stress. My diet is just one utensil, albeit an important one, in my diabetic kitchen. It can sometimes be put on hold. Getting it right once in a while is much better than not trying at all.

How does debt consolidation help you pay off your debt faster?

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Our goal at Credible Operations, Inc., NMLS Number 1681276, hereafter referred to as “Credible”, is to give you the tools and confidence you need to improve your finances. Although we promote the products of our partner lenders who pay us for our services, all opinions are our own.

Taking out a debt consolidation loan can help you save money on interest and pay off your debt faster. (Shutterstock)

Having multiple sources of debt can feel overwhelming. Debt consolidation can help simplify the repayment process, reduce total interest costs, and get you out of debt faster.

Keep reading to learn how debt consolidation works, and its pros and cons.

How does debt consolidation work?

Debt consolidation involves taking out a new personal loan to replace several high-interest debts, such as credit card. Debt consolidation loans are installment loans, so you’ll receive a lump sum up front and then make fixed monthly payments for the life of the loan.

When you consolidate your debt, you can streamline paying off your debt because you’ll have just one loan to focus on and one due date to track. Ideally, your debt consolidation loan will have a lower interest rate than you are paying on your existing debts. That way, you’ll spend less money on interest charges — meaning your monthly payments will be lower — and you’ll be able to repay the debt earlier.

If you’re looking for a personal loan to consolidate your debt, visit Credible for view your prequalified personal loan rates from various lenders.

Advantages of debt consolidation

Why bother with debt consolidation instead of just focusing on your current debt repayments? Here is an overview of some of the benefits of debt consolidation:

  • Might get a lower interest rate — When looking for a debt consolidation loan, try to find a lender who will offer you a lower interest rate than what you are currently paying on your debt. This way you can spend less money on interest and pay off your debt sooner. For example, credit card interest rates are typically much higher than personal loan rates, so consolidating multiple credit card balances into one personal loan could yield significant savings.
  • Lower monthly payments — If you get a lower interest rate, your monthly payment amount will likely be lower. This can leave room in your budget to make additional debt payments.
  • Simplified reimbursement process — Instead of having to track your progress on multiple debts, once you consolidate your debts you will only have one loan repayment to make each month with a single lender.

Disadvantages of debt consolidation

Debt consolidation also has some disadvantages to consider before deciding if it’s the right decision for you:

How Does Debt Consolidation Help You Achieve Your Earning Goals?

The main benefit of debt consolidation occurs when you qualify for a lower interest rate than what you are currently paying. The less interest you pay, the more money you can spend to pay off your principal balance. If you can pay off your loan balance sooner than expected, you can save even more on interest. A lower interest rate saves you money, but making extra payments to pay off your debt sooner will help you save even more.

It is also possible to choose a shorter loan term when you consolidate your debts. This may result in higher monthly payments, but you’ll likely receive a lower interest rate and pay off your debt faster.

Debt consolidation also simplifies the repayment process. Having multiple sources of debt with different lenders, due dates, and interest rates can be a bit overwhelming. By having just one loan to focus on repayment, you may find it easier to establish a clear debt repayment plan and focus on making progress toward paying off your debt.

If you are ready to apply for a debt consolidation loan, Credible allows you to compare personal loan rates to find the one that best suits your needs.

Not Skinny But Not Fat Rate Kardashian Approved Products

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As POPSUGAR editors, we independently curate and write things we love and think you’ll love too. If you purchase a product that we have recommended, we may receive an affiliate commission, which in turn supports our work.

If you’ve never purchased a product promoted by one of the Kardashian-Jenners, congratulations. I am definitely not one of those people. The sisters have become some of the biggest influencers in the fashion and beauty spaces, and I usually buy whatever they sell. But the simple truth is that not all products are winners. So, which products are actually worthy of your precious paycheck? To help us decide, we enlisted Amanda Hirsch, “the Kardashian expert” and the woman behind the popular “Not Skinny but Not Fat” podcast and Instagram account.

For strangers, “Not Skinny but Not Fat” is your one-stop-shop for all things pop culture, celebrity gossip, and reality TV recaps. The “NSBNF” Instagram account alone boasts a “small following” of over 600,000 users, and if you’re looking for the latest celebrity gossip news, Hirsch will deliver it with a dash of sarcasm and reality that missing from most social media personalities these days.

Hirsch has always covered a lot of Kardashian news (it’s kinda hard not to — they’re everywhere), but when she started getting press kits from the sisters and was eventually followed on Instagram by Kim Kardashian herself— even, Hirsch jokingly began going by the name “KaManda” and dubbed herself an honorary member of the family. So who better to test out six Kardashian-approved beauty products than the sixth sister herself? Keep scrolling to check out Hirsch’s unfiltered opinions on some of the Kardashian-Jenner clan’s most beloved beauty products.

Fitness trackers encourage users to walk up to 40 minutes longer each day

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  • New research shows that wearable activity trackers promote positive health changes, helping a wide variety of people move more and lose a modest amount of weight.
  • Experts say that while these devices help improve health, weight loss isn’t just about “calories in, calories out,” because a person’s ability to lose weight is often genetic.
  • According to the researchers, wearable activity trackers can also fuel unhealthy behaviors in people with anxiety disorders or obsessive-compulsive disorders and should be used with caution.

New research claims that wearable activity trackers (WAT) like Fitbit or Garmin actually encourage people to exercise more.

The full-scale review, recently published in The Lancetby researchers at the University of South Australia (UniSA), shows that WATs “consistently outperformed controls for physical activity outcomes”.

According to the researchers, the global WAT market has seen “prodigious” growth, with the number of activity trackers shipped worldwide increasing by more than 1,000% between 2014 and 2020.

“Since activity trackers have become more widely used in society, research into their effectiveness has grown rapidly,” Ty Ferguson, lead researcher and UniSA PhD candidate, told Healthline. “We realized now was the perfect time to bring all of this knowledge together and see if there was an overarching message about their usefulness as health tools.”

UniSA researchers reviewed nearly 400 studies involving approximately 164,000 participants worldwide using WATs to monitor their physical activity levels.

The studies involved people of all ages who used an activity tracker, including a pedometer, accelerometer, activity monitor or step counting smartphone app, to encourage more exercise.

Their findings indicate that WATs encourage people to walk up to 40 minutes more each day or about 1,800 more steps, and resulted in an average weight loss of 1 kg (2.2 lbs) over 5 months.

“What was a nice surprise was how useful they were for such a wide variety of people, including all ages, healthy people, and those living with a variety of chronic conditions,” said said Ferguson.

What wasn’t surprising, he added, is that activity trackers produce a positive change in physical activity. “They are a form of external feedback, which we know is beneficial in motivating positive health changes,” Ferguson said.

Dr. Brian Quebbemann, founder of the NEW program and author of “Dietary Rebuild,” described WATs as “moderately accurate.”

When asked if these devices were gimmicks or fads, he confirmed that they help.

“These are definitely not gimmicks,” Quebbemann said. “They help you track trends, consistency, rough intensity level, and effort.”

Quebbemann added that WATs also help track fitness. “You can compare the intensity of your workouts over time and changes in your cardiovascular fitness,” he said.

“They’re good for comparing your exercise intensity; which means they can tell you that your run today was more intense than yesterday. But they are less accurate in comparing one exercise, say push-ups, to another, say cycling.

You “can’t trick your Fitbit”

As for people who may slack off on their workouts but claim they’re still in great shape, Quebbemann said “you can’t fool your Fitbit.”

“Let’s say you run 5 times a week for 3 months, and you get sick and skip a month. When you start running again, an exercise monitor will show you that your heart rate is increasing at a much slower rate than before, you’re not running as far or as fast as before, and your total calorie burn is much lower. ,” Quebbemann explained.

Simply increasing activity levels isn’t enough for many people to lose weight, Quebbemann says, and this “calorie intake, calorie intake” is only part of the equation.

“Rate of calories burned at rest, change in calories burned with exercise, [the] the propensity to store excess calories, the balance of your gut bacteria, your hormonal balance, etc., all affect your weight,” he said.

Quebbemann also noted that medical science proves that genetics and environment have as powerful an effect on a person’s weight as the amount of exercise they do.

“That doesn’t mean exercise doesn’t help with weight loss, or that being sedentary doesn’t cause weight gain,” he said. “What this means is that your ability to lose weight through exercise is determined to a large extent by your genes.”

People with moderate and severe anxiety disorders may want to use WATs with caution, said Jeff Leininger, NP, psychiatric nurse practitioner at Menlo Park Psychiatry & Sleep Medicine in California.

He said neuroscience points to a “dysregulated serotonin system” for people with active eating disorders like anorexia, bulimia and obsessive-compulsive disorder (OCD).

“This dysregulation combined with increased psychosocial stressors causes individuals to focus on their thoughts and behaviors,” he added.

Leininger said his “hunch” is that someone who uses a wearable fitness tracker and lives with OCD can increasingly focus on their anxious thoughts and fears about fitness.

“Perhaps unfounded concerns [are] rooted in a deep belief that they’re not good enough and therefore don’t know how to exercise properly,” he said, adding that it could exacerbate anxiety and lead to behaviors unhealthy.

Dr. Jessica Folek, director of bariatric surgery at Long Island Jewish Forest Hills in Queens, New York, said WAT research is very important as changes in health care focus more on prevention strategies. diseases.

She pointed out that according to the World Health Organization (WHO)sedentary lifestyles increase all causes of death, including an increased risk of:

“A wearable device tracker in combination with lifestyle interventions has great potential for health promotion,” Folek said.

“Studies showing that these trackers have an overall positive effect on increasing physical activity show the benefits they can have in reducing sedentary behaviors and as a tool to help positively impact public health.”

Wearable trackers are widely touted for monitoring physical activity and motivating people to move, and new research shows these devices can also encourage people to exercise more daily.

While wearable activity trackers can help promote weight loss, it’s important to keep in mind that not everyone loses weight the same way. Factors such as a person’s age, gender, height, and eating habits can all influence weight loss.

Whether you’re aiming to lose weight or just stay active and healthy, wearable activity trackers could help you achieve your goals.

4 eco-friendly products you’ll love this month

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Kseniya OvchinnikovaGetty Images

RedArmelle Ferguson’s eco-columnist shares her summer sustainability hacks of the month.

Whether you’ve already embraced sustainable fashion or are looking for 100% natural beauty products, get inspired by her tips below.

Sustainable fashion

Pino Tan

Raiz
raizatelier.com

£380.00

I love the Piño Tan sandals from RaÍz Atelier. Made of vegetable-tanned leather, the platform sandals are both comfortable and chic. It’s also nice to know that they can even be composted when I can’t wear them anymore – all I have to do is send my pre-loved RaÍz pieces back, and they’ll take care of the rest.

Lasting beauty

Q+A Squalane Face Oil 30ml

Q+A
feelunique.com

£10.00

I love all-in-one products. Not only because they are convenient, but also because they save me a ton of money. And when, like the Q+A Squalane Facial Oil, they are 100% natural, cruelty free, alcohol-free, fragrance-free and vegan friendly, I am completely won over. Made from olive oil, Squalane is a magic product that can be used from head to toe. I’ll use it on my dry hair, to keep my feet hydrated, to give my face a quick rejuvenating glow, and to soothe seasonal sunburns.

Sustainable technology

Marshall Willen Portable Bluetooth Speaker, Black and Brass

While looking for a new speaker to enjoy my summer playlists, I realized how hard it was to find something that was completely free of harmful plastics and toxic chemicals from all electronic parts. And while I still haven’t found the perfectly durable option, I found Marshall’s Willen Portable Speaker to be a strong contender. The rugged construction of this speaker is PVC-free and 60% of the plastic is post-consumer recycled from used electronics. It delivers on the promise of a more sustainable approach while maintaining a clean, sleek design.

Ecological snack

Four matcha green tea popsicles lying on a slate tray vertical food still life photography with clean background

All rights reserved @TailorTang

For a fresh, healthy and 100% eco-friendly snack, I love making my own popsicles. All it takes is your favorite smoothie recipe and a set of Onyx reusable popsicle molds. Here is my favorite recipe:

  • 2 very ripe bananas
  • 2 cups ripe mango chunks
  • 2 cups of pineapple
  • 1 cup of kiwi
  • A handful of spinach
  • 1/2 cup vegetable milk

    Simply mix the ingredients and pour into the moulds. The hardest part of this recipe is resisting the temptation to touch them before they are cooked.

    Lékué Classic Creamy Ice Cream Molds 4 Units, Brown, 3400235SUR

    Lekue
    amazon.fr

    £15.99

    But after eight hours in the freezer, you’re good to go!

    This content is created and maintained by a third party, and uploaded to this page to help users provide their email addresses. You may be able to find more information about this and similar content on piano.io

    Texas court’s refusal to get involved in religious dispute highlights need for alternative dispute resolution

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    A dispute between a Texas church and its faith-based umbrella organization underscores the need for other dispute resolution processes.

    The civil court system has no jurisdiction to get involved in a dispute between a local Adventist church and its faith-based umbrella organization, the Second Texas Appellate District in Fort Worth, ruled Thursday.

    The Seventh-day Adventist Church of Northwest Fort Worth (“Northwest Church”) filed suit against its regional governing body, the Texas Conference, and the Southwest Union Conference. The circumstances of the dispute are briefly touched upon in the decision and, as in any case of this nature, are undoubtedly much deeper.

    Essentially, the local treasurer under a previous church board (the board had since been replaced) whose name still appeared on the account had written a check to the Conference which had depleted local funds. To pay the expenses, the church board then tried to get money from its Union-level savings account, which sent them a check but the Conference put a “stop payment.” ” above. On February 21, 2019, the Conference changed the locks on the building and, according to church members, took the key to their post office box.

    Local church members were upset about this as they had donated and maintained the building and were offended by the “POSTED – NO TRESPASSING – KEEP OUT” signs. Members of the local church sued the Conference, their parent organization, for an injunction and declaratory judgment and damages for theft of property and based their claim on the church manual.

    The Conference and Union opposed it, saying the civil courts had no jurisdiction over the religious dispute, but the trial court had allowed the case to proceed. The case was appealed and the Court of Appeal reversed, stating that even the facts of forbearance were exactly as church members said, the case could not proceed under of the “doctrine of ecclesiastical abstention”.

    The appeals court explained that the doctrine of ecclesiastical forbearance, which is based on the First Amendment, “prohibits the civil courts from considering questions of theological controversy, ecclesiastical discipline, ecclesiastical government, or the conformity of members to the moral standards of the church”.

    The First Amendment, the court said, “protects the right of religious institutions to decide for themselves, without interference from the state, matters of church government as well as those of faith and doctrine.” . The courts should therefore not interfere in the internal affairs of the Church. Courts can intervene if the facts of the case do not require the court to delve into religious doctrine, interfere with the ability to practice religion, or decide issues of church governance.

    The court may investigate disputes over church property based on neutral principles of law. In this case, however, the court would have to interpret the church manual, a daunting task for church leaders. The church manual provides a basic appeals process in which disputes between churches and conferences can be appealed to the Union level. If the next higher organization decides not to hear the argument, then the last highest decision stands.

    Disputes of this nature can arise in any denomination and are often bitter, with much pain on the side that does not feel heard. There are multiple stakeholders with apparent interests – parishioners who have sacrificed personal time and money for their local church, denominational stakeholders concerned with ensuring organizational orthodoxy, and even the interests of the local community. who has to watch the fight unfold.

    Many people confuse the idea of ​​unity with the concept that people within a church will not fight – but that goes against human nature. In fact, church organizations could benefit from knowing how to fight with clear rules of engagement, focused statements of issues, negotiating to attempt compromise, and knowing when the dispute is over. It’s not something that happens. It takes deliberate planning and implementation before disputes arise.

    The case of alternative dispute resolution

    Judicial systems exist to resolve disputes and determine winners and losers, not to find solutions between stakeholders. The fact that this case has reached the appeal stage underscores the need for denominations to develop and maintain “fair fight” rules.

    Church organizations could benefit from knowing how to fight with clear rules of engagement, focused statements on issues, negotiating to attempt compromise, and knowing when the dispute is over.

    Religious organizations could benefit from formalized alternative dispute resolution (“ADR”) systems with clear rules and expectations so that all stakeholders can have their voices heard and have the best opportunity to resolve these disputes. The idea of ​​sending him down the chain makes the lower levels feel like they haven’t been taken seriously.

    Alternative dispute resolution programs recognize the interests of all parties involved and can be time consuming, but lead to much better results. They typically begin with scheduled mediation, in which a neutral mediator hears both sides of the argument and attempts to negotiate a resolution. Before a mediation session, each party has the opportunity to write a letter to the mediator outlining the scope of the dispute and what they hope to accomplish. During the mediation event, the mediator will typically meet with each party separately to understand the goals and try to discover if there are any unspoken issues or creative solutions that might be key to resolving the dispute. They will try to broker a solution between the parties and will usually act as a conduit for offers and counter-offers. Depending on the complexity, a mediation can last several hours.

    It’s not something that happens. It takes deliberate planning and implementation before disputes arise.

    If the parties fail to resolve a dispute during mediation, arbitration will be scheduled. Arbitration is like a trial, and both parties will present a brief of their position to the other party. The other party can then draft a response brief and present oral arguments to an arbitrator. The arbitrator, who is neutral, will usually try to take the last opportunity to negotiate a resolution, but if that fails, they will listen to both sides and, within a few weeks, issue a written decision based on current rules and guidelines.

    It may seem like a long process and may not be suitable for all circumstances, but a well-managed ADR program can iron out the contours of a dispute and lead the parties to be satisfied that they have been heard and bring healing to the separation. endemic to religions. disputes.


    Michael Peabody, Esq. holds a certificate in Alternative Dispute Resolution from the Strauss Institute for Dispute Resolution at Pepperdine University School of Law and serves as Director of Alternative Dispute Resolution for a California law firm.

    Photo: DepositPhotos.com

    Why now is a wonderful time to leave

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    Although Costa Rica occupies a modest 19,700 square miles – West Virginia is about 22% larger, to give you an idea of ​​the scale – it has immensely rich biodiversity that belies its small size. In fact: The Central American country claims 5% of all species in the world, thanks to microclimates ranging from dry, sun-heated beaches to scorching jungles and the government’s unwavering commitment to the environment.

    As well as spotting flora and fauna at every turn, you’ll hear the locals (“ticos” as they call themselves) constantly say “Pura Vida”. Literally translated as “pure life”, it is much more than an everyday expression. Essentially: it’s a nod to finding simple joy in the moment, no matter the circumstances, a mindset that seems uniquely suited to our current times.

    While there are plenty of options when it comes to accommodations, few convey this ethos more than the Four Seasons Resort Costa Rica at Peninsula Papagayo — which earned a five-star rating this year. Forbes travel guide, making it the only property in Central America to earn this distinction. Sprawling over 1,400 scenic acres on the Papagayo Peninsula and surrounded by Culebra Bay to the east and the Gulf of Papagayo to the west, this pioneering eco-luxury has 181 rooms, suites and private residences , including the just-unveiled Casa Las Olas, a sleek, secluded six-bedroom home with luxe accents like an interior garden and near-Olympic-size pool overlooking the bay.

    There’s also a locally inspired spa — the Nourishing Costa Rican Coffee Scrub highlights freshly ground organic beans for a pleasantly aromatic and invigorating experience — resort activities and excursions ranging from rum tastings to guided waterfall hikes , and four restaurants including Nemare, the elegant steakhouse where Karen Arceyuth, beloved head mixologist and Costa Rican native, concocts imaginative cocktails like La Zafra, an invigorating concoction of local Centenario rum, cinnamon and bitters to orange.

    But while most people vacation here during the peak tourist months of December through April, when the weather is dry, here’s a travel tip: Now through November, during the country’s rainy season, also known as the green season, is an equally wonderful time to visit.

    You will obviously witness rain at this time of year, but you won’t encounter perpetual downpours. Instead, Costa Rica’s rainy season is punctuated by relatively short, intense bouts of adverse weather that make the natural backdrop even more lush and verdant. Plus, bouts of rain provide lovely breaks of calm throughout the day – best enjoyed from your room’s fully furnished private terrace or at Añejo, the resort’s al fresco lounge, complete with bar ceviche and a Crystal Skull, a rum cocktail infused with banana, pineapple and passion fruit.

    To make your stay even more memorable during these quieter months, the resort has launched thoughtful activations to help you connect more to your tropical surroundings and local culture. Its popular Coral Gardening program – which was developed in conjunction with Peninsula Papagayo and the Culebra Reef Gardens Alliance – now includes a unique coral planting session where guests dive and plant their own sponsored structures in Culebra Bay.

    And just in time for Guanacaste Day on July 25, a holiday commemorating the annexation of the province of Guanacaste to Costa Rica, the station announced the Chorotega Experience. The hands-on class led by local artisan Jose Salomón Villafuerte Grijalba invites guests to delve into the centuries-old tradition of colorful handcrafted pottery made famous by the indigenous Chorotega tribe.

    And in September, wellness season returns to the resort with unlimited yoga and fitness classes – it’s the perfect time to try the new Wine-Down Yoga and Beach Boot Camp – and visits from practitioners such as the holistic doctor Dr. Ruth Lopez (September 4-10 and September 25-30) and “Happiness Coach” Yaniv Shanti (October 16-22 and October 27-31). The spa also encourages guests to take the time to prioritize their well-being during the season by offering a free third spa treatment after two bookings.

    New Report on Organic Deodorant Market Trends, Technology and Growth Outlook 2022 to 2030 Unilever, Elsa’s Organic Skin Foods, Alverde, SPEICK Natural Cosmetics, Weleda, Lavera, Sebamed

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    The last published global Organic deodorant market The report offers a critical assessment of key growth dynamics, emerging avenues, investment trends in key regional markets and the competitive landscape in various regions and strategies of major key players. The study also offers insight into the share and size of various segments of the global organic deodorant market. The report presents the market analysis based on several factors. Different exploratory techniques such as qualitative and quantitative analysis were used to provide data with precision. For a better understanding of the clients, he uses effective graphic presentation techniques, such as graphs, charts, tables as well as images.

    Request to obtain the PDF example of the report: https://www.absolutemarketsinsights.com/request_sample.php?id=452

    This report presents profiles of competitors in the market, key players include:

    Unilever, Elsa’s Organic Skin Foods, Alverde, SPEICK Natural Cosmetics, Weleda, Lavera, Sebamed, Lavanila Laboratories, Indus Valley, Erbaviva, Spirit Nest, EO Products, Truly’s Natural Products and Sky Organics.

    Scope of Organic Deodorant Market:

    “Bio Deodorant Market Analysis to 2030” is a specialized and in-depth industry study focused on the analysis of global market trends. The report aims to provide an overview of the Organic Deodorants market with detailed market segmentation by product, technology and end-use. The organic deodorant market is expected to witness high growth over the forecast period.

    Due to the pandemic, we have included a special sector on the impact of COVID 19 on the Organic Deodorants Market which would mention how the Covid-19 is affecting the Organic Deodorants industry, market trends and potential opportunities in the COVID-19 landscape, Covid -19 Impact on key regions and proposal to organic deodorant players to combat the impact of Covid-19.

    Discount request on this Premium report: https://www.absolutemarketsinsights.com/ask_for_discount.php?id=452

    Global Organic Deodorants Market was valued at USD 63.60 Million in 2022 and is projected to reach USD 212.47 Million by 2030, growing at a CAGR of 14.4% over the forecast period.

    Organic deodorant market:

    • By distribution channel
      • Supermarkets/Hypermarkets
      • On line
    • By type

    Regional Analysis of the Global Organic Deodorants Market

    The whole regional segmentation has been studied based on recent and future trends, and the market is forecast through the forecast period. The countries covered in the regional analysis of the Global Organic Deodorants Market report are USA, Canada & Mexico North America, Germany, France, UK, Russia, Italy, Spain, Turkey, Netherlands, Switzerland, Belgium and the rest of Europe in Europe, Singapore, Malaysia, Australia, Thailand, Indonesia, Philippines, China, Japan, India, South Korea , Rest of Asia Pacific (APAC) in Asia Pacific (APAC), Saudi Arabia, United Arab Emirates, South Africa, Egypt, Israel, Rest of Middle East and Africa (MEA) as part of the Middle East and Africa (MEA), and Argentina, Brazil and the rest of South America as part of South America.

    Additionally, it also offers a holistic overview of the global Organic Deodorants Market industry sector. In addition, market research is supported by material economic facts with respect to pricing structures, profit margin, and market share. To present the data accurately, the study also uses effective graphical presentation techniques such as tables, charts, graphs, and images. The report also highlights recent trends, tools, and technology platforms that help improve business performance.

    Having our reports will help you solve the following problems:-

    1. Improbability about the future?

    – Our research and insights help our clients forecast future pockets of revenue and areas of growth. This helps our clients invest or divest their resources.

    2. Complimentary market views?

    – It is imperative to have a good understanding of market sentiment for a strategy. Our insights provide you with an overview of market sentiment. We maintain this observation by engaging with Key Opinion Leaders in a value chain of each industry that we follow.

    3.Understanding the most reliable investment centers?

    – Our research ranks the investment centers of the market considering their returns, future demands and profit margins. Our clients can focus on the most important investment centers by procuring our market research.

    4.Estimation of potential business partners?

    – Our research and insights help our clients identify compatible business partners.

    Read more about the report here: https://www.absolutemarketsinsights.com/reports/Organic-Deodorant-Market-2019-2027-452

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    A bunion fitter with a comfortable feel

    0

    Ingredients :

    1. 4 tablespoons all-purpose flour, maida

    2. 2 tablespoons rice flour

    3. 2 tablespoons besan chickpea flour

    4. 1/2 teaspoon turmeric powder

    5. 1/2 teaspoon red chili powder

    6. 1/2 teaspoon roasted cumin powder

    7. 1/4 tsp salt

    8. 1/2 cup water

    9. Oil for frying

    10. 2 large onions, thinly sliced

    11. 2 green chillies, finely chopped

    12. 1 tablespoon freshly pounded mango ginger

    13. 2 tablespoons mustard oil

    peyaji/youtube

    Procedure to prepare Peyaji:

    1. Combine all the dry ingredients in a large bowl, then add the water a little at a time and continue whisking (don’t add all the water together, it will form a big lump)

    2. Add a little water, whisk to mix well, then add again and so on, this will ensure a smooth material with no lumps.

    3. Now add 2 tbsp of hot oil into the batter and whisk quickly, this hot oil will make the batter silky smooth and the fries crispy.

    4. Add ginger or mango ginger (depending on what you are using) and green chilli to the paste and mix well

    5. Finally, add the minced onion to the batter and mix well so that each slice of onion is coated in the batter

    6. Now take a frying pan with a deep bottom that is suitable for frying and heat the oil over medium heat.

    7. Next, take 1 tablespoon of batter at a time and carefully slide it into the hot oil (don’t just drop the batter coated patty into the hot oil, slide it in slowly, this way there will be no oil splashes)

    8. Keep the flame on medium heat and cook the Peyaji for 3-5 minutes, then gently flip the patty to the other side and cook for another 3-4 minutes on medium heat.

    9. Remove from oil with a slotted spoon and serve immediately with ketchup and hot tea

    10. Peyajis or onion fritters can be prepared in many ways. In southern parts of India, they also add curry leaves in the paste. You can add any extra jazz you want. No matter how you prepare them, they always taste fabulous.

    MarketBeat: Week in Review 07/18 – 07/22

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    The market was in rally mode this week, but investors should be careful not to read too much into it. For one thing, with a few notable exceptions (we see you Snap), the gains are “less bad.” But forecasts are still weak and investors still don’t know what the Fed’s next move will be. There is still some sentiment that the Federal Reserve will raise the federal funds rate by 100 basis points when it meets next week. And if the Fed forecasts a 75 basis point hike for September, there could be more stock revaluations to come. That’s not the only big story on tap next week. Many high-profile tech stocks, including Microsoft (NASDAQ:MSFT) and Apple (NASDAQ:AAPL) report next week. The MarketBeat team continues to sift through headlines to find stocks and stories that can move the market. Here are some of the stocks our analysts have looked at this week.

    Articles by Jea Yu

    Semiconductor stocks are back in the news and Jea Yu was analyzing the outlook for Nvidia (NASDAQ: NVDA) which presents an interesting dilemma for investors. Specifically, the stock has fallen more than 40%, while revenue and earnings continue to grow on a sequential and year-over-year basis. The company released a lower guidance for the coming quarter, but as Yu points out, the lower guidance is a low bar to cross for a company that appears to be firing on all cylinders. Yu was watching too Costco (NASDAQ:COST) as another company that continues to show strength in a slowing economy. As with the pandemic, consumers continue to benefit from the company’s warehouse model which allows them to buy in bulk to mitigate the effects of inflation. And with growing membership, Costco continues to expand its footprint while delaying increased membership rates. At the other end of the spectrum, PayPal (NASDAQ: PYPL) stocks continue to lag the broader market and even company management is struggling to predict what the immediate future of digital payments will look like. Nonetheless, Yu shares an analysis of why PYPL stocks can form a fund for risk-tolerant investors.

    Articles by Thomas Hughes

    The relationship between price and value is critical to the success of an investment, especially when your portfolio is rather small. With that in mind, Thomas Hughes was looking for certain stocks with double-digit upside potential that could be bought for less than $50 a share. Hughes was also looking at the chip sector which offers a trio of undervalued stocks and has surprisingly high dividend yields. One of the big names reporting income this week was Tesla (NASDAQ:TSLA) who beat on both the top and bottom lines. That may have lifted the spirits of investors concerned about Elon Musk’s remarks about the company’s factories in Austin, Texas and Berlin being “money furnaces”. Hughes analyzes the company’s results and writes “Analyst activity at Tesla remains mixed but sentiment is firming and price target is stabilizing.” And this despite the persistent supply chain challenges in China. If the automaker sees an improvement in the supply chain, TSLA stock could be poised for a big upside.

    Articles by Sam Quirke

    We told you that semiconductor stocks made headlines this week. And if you want to learn more about the catalysts for the future of the industry, you’ll want to check out Sam Quirke’s two-part series. In part one, Quirke reviews the current state of the industry, including why there may still be headwinds. However, long-term investors who tolerate some volatility might consider snacking on quality stocks in the market. In the first part, Quirke pleads for Advanced Micro Devices (NASDAQ:AMD). Then in the second part, he continues his analysis with a review of the current catalysts of Nvidia (NASDAQ: NVDA).

    Articles by Chris Markoch

    Chris Markoch was looking at a pair of dividend-paying stocks that investors can rely on if the economy continues to slow. The first was Johnson & Johnson (NYSE:JNJ) which is a defensive title for defensive titles. As Markoch points out, this means investors gain “exposure to multiple sectors that all provide essential products and services to consumers.” And it also has the power to fix prices to increase revenue and profits in times of recession. The second was AbbVie (NYSE: ABBV) which will have to convince analysts that its Humira revenue replacement strategy is still on track. But long-term investors can count on the company’s growing dividend and expansive pipeline. And Markoch has also taken a look at the semiconductor sector and offers investors his view on the current situation with Advanced Micro Devices (NASDAQ: AMD). While Markoch admits the bears are in control, he points out that there’s a lot to love about the company’s fundamentals.

    Articles by Matthew North

    Matthew North was looking at two tech stocks that fell for different reasons. If you think history could repeat itself, North suggests investors look into Alibaba (NYSE:BABA). As China begins to reopen across the country with recently announced stimulus packages, some analysts are predicting an economic recovery similar to that which occurred in the United States in 2021. North was also analyzing much maligned stimulus packages Metaplatforms (NASDAQ: META). Although some reasons for concern remain, some analysts now consider META stock to be undervalued. North digs deeper into the company’s financials so you can decide if the stock is a hedge against the recession. And North was also analyzing the (less bad?) results of Netflix (NASDAQ:NFLX). The streaming giant’s stock is on the rise after the company beat high and low numbers and announced it had lost fewer subscribers than expected.

    Articles by Parth Pala

    The investing axiom of “selling the news” was in the spotlight this week when Apple (NASDAQ:AAPL) announced it would slow hiring and cut spending in some divisions through 2023. With investors looking for a reason to sell, AAPL stock fell more than 2% on the news and dragged the rest of the market down with her. Parth Pala notes that the company has several issues that analysts are concerned about, which makes their upcoming earnings report all the more important. Pala also forecast the Federal Reserve’s decision on interest rates and investor positioning with three stocks that benefit from rising interest rates. Along the same lines, rising interest rates are strengthening the US dollar, and Pala highlights four stocks that could benefit from a stronger dollar.

    Articles by Kate Stalter

    One of the emerging global trends that will impact investors over the next few years will be the balance between traditional fossil fuels and the expansion of alternative and renewable clean energy sources. And that was the center of attention when Kate Stalter analyzed the recent price movement in ExxonMobil (NYSE:XOM). ExxonMobil stock remains strong even though the energy sector has cooled. As Stalter notes, the question going forward will be how the company handles the early suppression of demand due to higher interest rates. Looking at Ford (NYSE:F), Stalter notes that F stock is recovering, but advises caution. As Stalter notes, this may be a case of investor sentiment (and perhaps nostalgia) running ahead of company fundamentals. Stalter was also reviewing the disappointing earnings report presented by Verizon (NYSE:VZ). In this case, the strength of the company’s dividend is an important factor to consider against softer forecasts. Specifically, Stalter notes, “The stock price is down 8.3% year-to-date, but if you include dividends, the total return is -1.87%.”

    NVIDIA is part of the Entrepreneur Index, which tracks some of the largest publicly traded companies founded and led by entrepreneurs.

    Companies mentioned in this article

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    Should you invest $1,000 in NVIDIA right now?

    Before you consider NVIDIA, you’ll want to hear this.

    MarketBeat tracks daily the highest rated and most successful research analysts on Wall Street and the stocks they recommend to their clients. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the market takes hold…and NVIDIA wasn’t on the list.

    Although NVIDIA currently has a “moderate buy” rating among analysts, top-rated analysts believe these five stocks are better buys.

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    Major Players Analysis of Consumer and Business Debt Consolidation Market 2022

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    According to a new report, the world “Consumer and Business Debt Consolidation Market” 2028 provides a comprehensive assessment of the market landscape, encompassing both current and future market position. In terms of drivers, opportunities, and restraints, the analysis provides insights into developing trends and market dynamics. The analysis houses a light weight on the analysis of past growth trends. It includes a market summary, identification of key players, key developments, material suppliers, and dealers, among other things. Market size, sales, forecast, share, business demand, growth rate and revenue are also included.

    The Consumer and corporate debt consolidation market positioning is playing an unbroken boom and achieving a CAGR of 4% for the forecast period 2022-2028.

    For a sample copy of the report, click here:

    https://www.marketintelligencedata.com/reports/4437555/global-consumer-and-corporate-debt-consolidation-market-insights-and-forecast-to-2028/inquiry?Mode=SN

    Consumer and Business Debt Consolidation also includes the research and development activities of these companies and provided comprehensive knowledge of their existing products and services. An elaborate analysis of the revenue generation scope and chances, manufacturer profile, production details and consumption patterns is given. A thorough assessment of these factors is crucial for various market players to understand the potential for investments in specific regional areas.

    The report also includes key players in recent market trends:

    Goldman Sachs, OneMain Financial, Discover Personal Loans, Lending Club, Repayment, Freedom Debt Relief, National Debt Relief, Rescue One Financial, ClearOne Advantage, New Era Debt Solutions, Pacific Debt, Debt Relief Accredited, CuraDebt Systems, Guardian Debt Relief, Debt Negotiation Services, Premier Debt Help, Oak View Law Group

    Segmentation of the personal and commercial debt consolidation market

    The Consumer and Business Debt Consolidation market is split by Type and by Application. For the period 2022-2028, the growth between segments provides accurate calculations and forecasts of sales by type and by application in terms of volume and value. This analysis can help you grow your business by targeting qualified niche markets.

    Market segmentation by types:

    Credit card debt

    Student loan debt

    medical bill

    Apartment leases

    Others

    Market segmentation by application:

    society

    Consumer

    ACCESS THE FULL REPORT:

    https://www.marketintelligencedata.com/reports/4437555/global-consumer-and-corporate-debt-consolidation-market-insights-and-forecast-to-2028?Mode=SN

    Regional analysis:

    – European market (Germany, United Kingdom, France, Russia, Italy)

    – Central East and Africa market (Saudi Arabia, United Arab Emirates, Egypt, Nigeria, South Africa)

    – South America market (Brazil, Argentina, Colombia)

    – North American market (United States, Canada, Mexico)

    – Asia-Pacific market (China, Japan, Korea, India, Southeast Asia)

    Answers to key questions in the report:
    – What is the growth potential of the global Consumer and Corporate Debt Consolidation market?

    – Which regional market will impose itself as a precursor in the years to come?

    – Which application segment will grow at a rapid rate?

    – What are the growth opportunities that may emerge in the global Consumer and Business Debt Consolidation industry in the coming years?

    – What are the main challenges the market might face in the future?

    – Who are the leading companies in the Global Consumer and Business Debt Consolidation Market?

    – What are the key trends positively impacting market growth?

    Buy Now Link:

    https://www.marketintelligencedata.com/report/purchase/4437555?mode=su?Mode=SN

    Contents Consumer and Business Debt Consolidation Market:

    Chapter 1: Consumer and Business Debt Consolidation Market Overview

    Chapter 2: Global Market Status and Forecast by Regions

    Chapter 3: Global Market Status and Forecast by Types

    Chapter 4: Global Market Status and Forecast by Downstream Industry

    Chapter 5: Market Driving Factors Analysis

    Chapter 6: Market Competition Status by Major Manufacturers

    Chapter 7: Major Manufacturer Introduction and Market Data

    Chapter 8: Upstream and Downstream Market Analysis

    Chapter 9: Cost and Gross Margin Analysis

    Chapter 10: Marketing State Analysis

    Chapter 11: Conclusion of the Market Report

    Chapter 12: Research Methodology and Reference.

    The report offers important features on core members that have been around in the business for a while, while providing insight into their production design, product portfolio, and other data. The study document contains an assessment of various drivers, upcoming technologies, opportunities, market risks, restraints, market barriers, challenges, trends, competitive landscape, and segments which paints an accurate picture of the growth of the Global Consolidation Market consumer and business debt.

    Personalization available –

    • Free report customization (equivalent to up to 4 analyst business days) with purchase of Consumer and Business Debt Consolidation report. Added or changed country, region and segment scope.
    • If you have any questions or customization requirements, please contact our sales team, who will ensure your requirements are met.

    Contact us:

    Irfan Tamboli (Sales Manager) – Market Intelligence Data

    Phone: +1 (704) 266-3234

    Mail to: |[email protected]

    Manchin and Capito Request Pipeline Extension | News, Sports, Jobs

    0

    WASHINGTON, DC – U.S. Senators Joe Manchin, DW.Va., Chairman of the Senate Energy and Natural Resources Committee, and Shelley Moore Capito, RW.Va., along with U.S. Representatives David McKinley RW.Va., and Carol Miller, RW.Va., has asked the Federal Energy Regulatory Commission (FERC) to approve Mountain Valley Pipeline’s pending application for a four-year extension.

    “At a time of skyrocketing energy prices, it is imperative that FERC work to accelerate the development of the nation’s energy infrastructure so that Americans can have access to a reliable and affordable supply of natural gas. natural”, the officials wrote in part. “We therefore urge FERC to support the completion of the Mountain Valley Pipeline (MVP) and approve its pending application for a four-year extension.”

    “MVP is nearly 94% complete, but is still subject to litigation and permit challenges, to the detriment of American consumers, our national security, communities along the pipeline route, and the environment. This project needs to be completed…” the officials continued. “West Virginians have told us they want to see the project completed, their properties restored, and the benefits of the project for their communities. »

    In 2020, FERC granted a two-year license extension for MVP, which runs until October 13, 2022. MVP is located in the Appalachian Basin, which would have been the country’s third largest natural gas producer. in the world through the first half of 2021 according to the Energy Information Act. When completed, MVP will be designed to transport 2 billion cubic feet (Bcf) of natural gas per day 304 miles from West Virginia to Southern Virginia.

    Read the full letter below or click here:

    Dear President Glick:

    The Federal Energy Regulatory Commission (FERC) is responsible for “to help consumers obtain reliable, safe, secure and economically efficient energy services at a reasonable cost.”1 In an era of skyrocketing energy prices, it is imperative that FERC work to accelerate the development of the nation’s energy infrastructure so that Americans can have access to a reliable and affordable supply of natural gas. We therefore urge FERC to support the completion of the Mountain Valley Pipeline (MVP) and approve its pending application for a four-year extension.2

    The United States is a world leader in natural gas production, and as the conflict in Ukraine continues, the United States should use all the tools at its disposal to close the global gas supply gap. natural to our allies and business partners. The natural gas produced in the Appalachian Basin is undoubtedly part of this solution.

    In fact, according to the Energy Information Administration (EIA), the Appalachian Basin would have been the third largest natural gas producing country in the world in the first half of 2021, behind Russia and the rest of the United States.3 MVP is designed to transport 2 billion cubic feet (Bcf) per day of this natural gas 304 miles from West Virginia to southern Virginia. Although MVP would not deliver natural gas directly to an export terminal, completing the pipeline will certainly help meet growing domestic demand for natural gas and unlock other natural gas supplies to send to our allies.

    MVP is nearly 94% complete, but is still subject to litigation and permit challenges, to the detriment of American consumers, our national security, communities along the pipeline route, and the environment. This project must be completed. FERC previously issued a two-year license extension for MVP through October 13, 2022. While MVP has now requested a four-year extension, the proponents have demonstrated their commitment to completing the pipeline as soon as possible to help put the natural gas needed on the market. soon, if FERC approves the extension request and if other necessary approvals are reissued. Indeed, MVP is aiming to go live in the second half of next year.4

    Your approval of this extension request will also provide communities and landowners along the pipeline route with certainty of FERC’s intent to complete the MVP. West Virginians told us they want to see the project completed, their properties restored, and the benefits of the project accrue to their communities.

    We appreciate your attention to this issue and look forward to your prompt response.



    Today’s breaking news and more to your inbox








    New Brighton Good Life Guide: Sam and Caroline at Burger Joint

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    This was originally posted on Neatplaces.co.nz and has been republished with permission.

    We moved to New Brighton 10 years ago. Caroline moved to New Zealand from England 25 years ago and has always dreamed of living by the beach. We have bought a small cottage in South New Brighton and live there with our 14 year old daughter, Lola, two dogs and three cats. Our 21 year old son, Mali, recently moved to live with friends but has remained local.

    We both have a passion for hospitality and felt we could create something for our community to fill a void. Lovers of vintage vehicles, we bought a 1961 Starliner Caravan, which we operated as a food truck in New Brighton for three years.

    We loved the buzz it created and eventually we were encouraged by friends and locals to open a restaurant. True to our commitment to New Brighton, we chose a local location, used local architect, Jason from Pivnice, and local builder, Jeremy from JJBuilt, and created The Burger Joint.

    We work a lot in the restaurant because we love it and enjoy spending time with our regulars. It’s a real community atmosphere. We try to have our free time at home, walking the dogs and catching up with friends and family.

    READ MORE:
    * Why Christchurch is New Zealand’s most underrated place for a winter getaway
    * Love your local: Auckland coffee leads campaign nominations
    * New Brighton, Sumner or Lyttelton – which Christchurch seaside suburb is best?
    * Neat places: the lively restaurants of New Brighton

    BROOK SABIN/STUFF

    Christchurch’s new hot pools are so popular they’ve been booked for months (video posted August 2020).

    Family is very important to us and with Caroline’s family abroad we try to talk to them as often as possible. Sam plays music and is part of the local band Pieces of Molly. Caroline works with two local community groups, Sustain New Brighton and The New Brighton Project.

    We really like living near the beach and have found the New Brighton community to be very welcoming. It is the closest sense of village life Caroline has experienced since leaving a small village in England.

    Rinse, Train and Repeat

    The hot pools of Puna Taimoana are located directly on the beach.

    Neat places

    The hot pools of Puna Taimoana are located directly on the beach.

    The He Puna Taimoana hot pools have become one of our favorites. We brought a pass so we could enter any session. It’s a good way to relax, the temperature of the pools is perfect and there is also the sauna and the hammam. We often go to work out at Shoreline Fitness and then head to the pools later for a relaxing dip. Be sure to check out their sunrise sessions, and they also host late-night sessions in the summer with a DJ.

    Shop like a local

    105 is full of vintage products.

    Neat places

    105 is full of vintage products.

    There’s a collective called 105 on Seaview Road. It’s a mix of community service, vintage items, clothing, arts and crafts, beautician, and gifts. It’s like Aladdin’s cave and full of gems. We use vintage items at Burger Joint, so I always have a good excuse to walk around and see what I can find. If we ever need screws or anything, I go down and see Denis at the house and Castle Hardware and Stuff. It has everything we would need. Our other favorite is Menage a Trois Vintage at the top of Seaview Road just as you come into New Brighton from the city.

    A step in the right direction

    Bottle Lake Forest is great for walking and cycling.

    Neat places

    Bottle Lake Forest is great for walking and cycling.

    We love Bottle Lake Forest! It is ideal for walks, running and mountain biking. You can cycle there from New Brighton, and we still plan to do so. We plan to start with a coffee from Green Bear at The Common Ground in South Brighton and hike up the dunes into the forest. In the meantime, we are happy to glide the kayak or paddleboard down the estuary.

    Walk along the beach to the North Beach Coffee Shed.

    Neat places

    Walk along the beach to the North Beach Coffee Shed.

    There are so many other amazing hiking trails on our doorstep that we are spoiled for choice. One of our favorites is to take the dogs, walk along South Brighton Beach to North Beach and grab a coffee at the North Beach Coffee Shed. Another great trail is along the estuary with lots of birdlife and stunning scenery. There is a great loop from our house where you can walk along the estuary to the top of Rocking Horse Road and back along the beach, ending with a coffee somewhere!

    Party by the beach

    The Switch Cafe is next to the Burger Joint.

    Neat places

    The Switch Cafe is next to the Burger Joint.

    We are so lucky to have the Switch Cafe right next to the Burger Joint. They have superb coffee and food – I crave their reuben toastie and keep pestering them to put it back on the menu! Chanakya is a lovely South Indian restaurant tucked away in Seaside Mall – their food is amazing and our daughter is addicted to their chilli cauliflower dish. They had to go back to India for a bit but should reopen soon. We also have a new neighbor in Carnaby Lane, a restaurant called Three Donkeys which is brilliant.

    Community atmosphere

    Live music at Carnaby Lane Markets.

    Neat places

    Live music at Carnaby Lane Markets.

    The Carnaby Lane Markets are amazing, with live music, food and a variety of stalls. You can grab a bite and a pint of SouthPaw beer and soak up the atmosphere – it’s like the bustling Brighton of old. We put in about four a year. We truly believe New Brighton is a hidden gem and feel privileged to live and run a business here. There is often something happening within the community – coastal cleanups, markets and the beach on our doorstep.

    Dose of local initiatives

    Green Bear Coffee Container.

    Neat places

    Green Bear Coffee Container.

    When we started in the caravan we swapped to the South Brighton Surf Club at the weekends. We wanted to create a meeting place for members of our community as local takeaways had been destroyed by the earthquake. This has evolved over the years and the site where the stores were located is now called the Common Ground. The Green Bear cafe has a container there and it’s where the community group, Sustain New Brighton, coordinates events such as Food Truck Fridays, markets and more. There is a small shop which is a space people can rent to sell crafts and hold workshops.

    A new community center called The Bridge South Brighton has also opened just across the road and includes a cafe, wellness rooms, a gallery and a hall for community use. It is an old church that was purchased by the community and converted by local volunteers.

    Go down the rabbit hole

    Fight your way through Alice in Putterland.

    Neat places

    Fight your way through Alice in Putterland.

    Alice in Putterland is a new 18-hole indoor miniature golf course with a backlit glow in the dark space that explores Alice’s journey through Wonderland. A great place to take the family – you can organize birthday parties or team building activities with your work colleagues.

    surf clubs

    There are several surf clubs along the beach.

    Neat places

    There are several surf clubs along the beach.

    New Brighton Surf Clubs are perfect if your kids want to get into Surf Life Saving. They are super family oriented and offer great lifeguard service. Lola plays tennis at the South Brighton Tennis Club, a wonderful club with excellent coaches. It’s right on the South Brighton campsite – another little gem!

    Carts, Drift and Foos

    Driftkarts offer a lot of fun.

    Neat places

    Driftkarts offer a lot of fun.

    The Velocity Karts are based just up the road – we took our team there for our Christmas work and had so much fun zipping around the track in the Blokarts. It was a bit of a windy day which added to the fun, especially when Sam came off the track and into a large puddle. They also have driftkarts and human foosball; the team is amazing and you are well taken care of.

    DIY Hidden Gem Cafe Tour

    I love that we have lots of little cafes hidden around New Brighton. There is Switch at the end of Carnaby Lane, Green Bear at Common Ground, North Beach Coffee Shed – there is a small picnic table on the sand dunes…. it’s the table with the best view! And on Saturday, which is located at the He Puna Taimoana hot pools. You never have to go far for a good beer!

    How to make Mr Whippy ice cream with mum’s £2.10 recipe

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    Woman reveals how she makes her own version of Mr Whippy ice cream that ‘tastes exactly the same’ for just £2.10 – and with just TWO ingredients

    • TikTok star Emmah Ord managed to make a homemade Mr Whippy for £2.10
    • Treat made with just two inexpensive ingredients – condensed milk and double cream
    • So far, the video has been viewed 1.9 million times on the social media platform

    A woman’s homemade £2.10 recipe for soft serve ice cream that tastes ‘just like’ Mr Whippy with just two ingredients has taken the internet by storm.

    The simple recipe includes just two popular cans – condensed milk and double cream, whipped together.

    TikTok star Emmah Ord posted her attempt at making the ice cream – praising it for ‘tasting exactly like Mr Whippy’ – and everyone loved her creation with the clip having received 1.9million views so far.

    However, some reviewers have noted that Elmlea Double, which she used for the recipe, is actually an alternative to cream.

    A woman’s homemade £2.10 soft serve ice cream recipe that tastes ‘just like’ Mr Whippy with just two ingredients has taken the internet by storm

    At the popular Sainsbury’s supermarket, double cream can be had for just £1.05 – and condensed milk can be had for exactly the same price.

    In his video on his TikTok site @EmmahOrd, the person said: “Rumor has it you can make Mr Whippy ice cream using condensed milk and double cream – so obviously I’ll give it a try.

    “Next I’m going to add the condensed milk – I have no idea how much I’m going to make. I’m going to put the whole load in there.”

    Emmah decided to add chocolate drops in her particular mix.

    She added, “I have this huge bag of chocolate drops, so I’m going to use them.” Look at that, doesn’t it sound smashing? The video ends with her saying, “Follow for the tasting.”

    The perfect soft serve ice cream

    The perfect soft serve ice cream ‘wasn’t even hard’, and Emmah decided to add chocolate drippings to her version

    Subscribers were desperate to find out how it tasted – and eventually she posted a new video with her results.

    She replied, “I didn’t expect this video to blow up so much,” then she finally said, “It’s so good.” Never buy Mr. Whippy again now, I can do it.

    “It’s absolutely amazing,” she added. ‘It’s not going hard as a rock! It tastes exactly like Mr. Whippy – and I added chocolate drops to flavor it.

    New TCA leader brings external and internal perspectives to industry group

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    ALEXANDRIA, Va.—Jim Ward retired as president and chief executive officer of one of America’s largest motor carriers earlier this year. But he wasn’t ready to retire from the trucking industry, which he says is going through one of its most exciting historic transformations.

    Longtime frontman DM Bowman (#256 on the Fleet owner 500: list for hire) had been a member of the Truckload Carriers Association for years before rising through the association’s executive ranks to become president. Now he leads TCA as the new president.

    The Maryland native sat down with Fleet owner in his new office at the Truckload Carrier Association headquarters here in Old Town, across the Potomac River from Washington, D.C., where he recently took over as president, replacing John Lyboldt, who took his retirement in April. Since taking over TCA, Ward has been working with his team to plan for its next fiscal year, including seeking ideas from associates on how to improve the group’s many events and educational programs. And Ward has a lot of ideas.

    “Jim is definitely getting his opinions out there,” said Marli Hall, TCA’s Senior Director of Outreach and Engagement. Fleet owner. “He’s full of ideas and brings an outside perspective.”

    TCA has championed carriers since its inception as the Contract Carrier Conference in 1938, going through various mergers and name changes until it became the Truckload Carriers Association in 1997. Its members are all full truck carriers , representing operators of more than 220,000 trucks, generating revenues in excess of $40 billion.

    Ward’s experience as a carrier and TCA member for 30 years is helping the organization shape its new future, according to Zander Gambill, TCA vice president of membership and outreach. “He knows what people in his place are looking for if they’re C-level in terms of news and events,” Gambill said. Fleet owner. “He has a lot of insight that someone outside wouldn’t know. We get a great perspective that leads to some changes. It is very focused on the value of membership.

    See also: With California law, trucking operations face uncertainty

    One of Ward’s first big decisions as president was to promote David Heller to senior vice president of security and government affairs. Heller most recently served as vice president of government affairs for TCA, where he has been since 2005. “We’ve always been committed to safety, but I didn’t want people to think we lost sight of that,” said Ward. “We are looking at security and compliance and what we can do to continue to develop security directors, security personnel and risk managers in this industry.”

    Just over 90 days into his new job, Ward shared his thoughts on the future of the industry, its role in the U.S. economy, how driver jobs can be improved, and the role that play industrial bands such as TCA in the modern world.

    Trucking in the 21st century

    The following questions and answers from FleetOwner’s visit to the Truckload Carriers Association have been edited for clarity.

    FleetOwner: What role does the TCA and other industry associations play in the 21st century?

    Jim Ward: It is interesting to see how associations have evolved. For someone like me, who has worked for DM Bowman Inc. for over 30 years, the last 20 as President and CEO, I was on the side of the CAW members. My first introduction to the trucking industry as a member of the association is said to have been in 1986. Then the business of the association was to have that big meeting and entertaining, which reception had the biggest spread seafood or the biggest tenderloin, outlining the year for executives and board members, news coverage in magazines, and great networking opportunities.

    Although most of these things are still important, associative activity has entered the 21st century. Creating year-round membership value is even more critical today. So you need to have quality touchpoints and good member engagement to be successful.

    At TCA, where I’ve worked the line of officers for the past eight years — until president last year — we’re blessed with quality staff. Very lucky with our educational training offers. We have a dynamic behind our Truckload Academy to continue to develop it. Linked to this is our benchmarking program, which is growing tremendously and creating tremendous value. We also develop and expand our certification programs with the North American Transportation Management Institute. It’s great to be a part of those things.

    FO: Has the COVID-19 pandemic played a role in these changes?

    Hall: We have always known the essential nature of our business. But until COVID hit, we were finally recognized as essential. Image-wise, we have to be absolutely sure that we are, #1, communicating this to each other. #2, making sure the community knows how vital our workforce is to us and this nation in keeping American goods flowing. It is incumbent upon us, as an association and our members, to ensure that we continue to fly this flag and not let it drift backwards.

    FO: As someone who has been on the member side and on the management side of TCA, how can members get the most out of an association?

    Hall: As a member on the other side, the nice thing about associations is that you only have one carrier member, you only have one vote. If you don’t benefit by participating and providing that voice of your business to the association to help them frame their advice and direction for their committees, shame on you.

    FO: How are you working with the government to improve trucking?

    Hall: We have a government affairs branch. We stay in our lane. These are whole truck concerns and issues. Admittedly, we are by no means ATA (American Trucking Associations), and we know it. But we need to have some dry powder in case there are situations specific to our truck-loaded members that we can go to Capitol Hill and talk about them intelligently and represent them well.

    We just sent a letter to Secretary of Transportation Buttigieg, Secretary of Labor Walsh, and FMCSA Administrator Hutcheson about our voluntary shipper-carrier-driver relationship guidelines, which we’ve had in place here at TCA since the early 2000s. So we’ve put together some best practices.

    FO: What is TCA doing to improve the work of truck drivers?

    Hall: Coming out of COVID is an opportunity for us to profess processes and things we can keep working on to do a better job of driving. Workforce development is a challenge for everyone. But this has been a significant challenge in our industry for many years.

    Being able to effectively manage the time of a professional driver is essential. It’s critical for motor carriers because you have assets—whether it’s human resources or physical assets—that you need to move. Embedding speed into the system certainly helps address the supply chain challenges we are currently facing. It’s also about the simple things in life, which go back to what we call the golden rule of treating drivers like the professionals they are. Ensure drivers have access to facilities at shipper sites.

    We have seen some states come up with legislation mandating the use of restrooms. We say, wait a minute. We don’t know if we need a law to do that. We think it’s just good common sense practice. So let’s work together to make sure we take care of our professional driver employees.

    We want to reduce some of the complexity of the supply chain system by working together. There’s no better time to do it than now.

    FO: Do you think the industry is moving towards sustainable development?

    Hall: I was first challenged by the thought process of electric vehicles, their practicality and their integration into the industry. But as I sit with you today, he’s going to be here a lot quicker than I ever imagined. I think our members would tell you that as well.

    There are still many unanswered questions about this. Especially when you’re talking about the power grid and how you’re going to provide the necessary load capacity that will be needed. Also, there are questions about the residual value of the equipment depending on what you will pay upfront.

    But we as an industry – and our members – are good stewards of our environment. We understand the importance of this. So when you look at how technology has advanced in our industry from 10 years ago to today and the emissions from equipment compared to what they were, it’s pretty amazing. There is no doubt that there are currently many alternative sources that are being considered for our industry and integrated into the business model.

    FO: The United States is facing the highest rate of inflation in decades, in part because of record fuel prices. How will this affect trucking?

    Hall: There are certainly headwinds for the industry, including inflation and fuel costs. But the goods will continue to be transported in this country — 80% of them will be transported by truck. The fact is that the demand will continue to grow. We are therefore essential and we will remain essential. It’s a good time to be in trucking.

    It’s also a great time to sit down at the table with carriers and shippers, talking about the complexities to continually improve how we work together to deliver goods to this country.

    FO: What is the future of trucking?

    Hall: When I retired from DM Bowman on April 1, I told my management team that I wish I was 20 years younger. Because I think the best days are ahead for people in this business, especially for companies that are focused on supporting their associates inside their walls, the professional drivers and their technicians. Technicians are just as difficult to hire as professional drivers.

    I believe that fleets continue to make wise and quality investments in their businesses, work closely with the maritime community to eliminate system complexities, stay focused on their networks and deliver high-level services, all managing costs to the best of their ability – we’re going to do very well.

    Best Natural Face Moisturizers of 2022

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    There’s a lot of buzz these days about “natural” and “clean” beauty brands, including skincare products like face moisturizers. But it is not because a product claims to be natural that it is. “There’s no industry standard definition of what ‘natural’ means for beauty products in general,” says Birnur Aral, Ph.D., director of the Good Beauty, Health and Sustainability Lab. Housekeeping Institute. When it comes to skincare, Aral says the term “natural” can imply that the product is formulated without certain “of concern” ingredients like parabens, fragrances, or chemically treated ingredients like petroleum. It can also mean that the product is made with “naturally derived” ingredients like botanical extracts or plant oils with minimal chemical processing, or with certified organic ingredients.

    But with so much variation (and misinformation) on what categorizes a face moisturizer as “natural,” it’s hard to know where to start. GH Beauty Lab scientists have carefully selected this list of the best natural face moisturizers, based on trusted third-party natural and organic product certifications. as well as a deep dive into each product’s ingredients and claims to ensure they live up to their claims. Here, the best natural face moisturizers you can trust for all skin types, including sensitive, dry, oily, acne-prone, aging skin and more.

    Our top picks:

    For more information on what makes a face moisturizer “natural” and shopping tips to keep in mind when looking for the best natural moisturizer for you, scroll to the bottom of this article.

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    1

    Best natural face moisturizer for dry skin

    Skin Food Original Surgras Cream

    • Intensely nourishes the skin
    • Good value for money
    • Formulated in an eco-conscious way
    • May be too heavy for oily skin

    Weleda’s signature face moisturizer is nearly 100 years old and a longtime GH Beauty Lab scientist. Packed with rich botanical oils like sunflower and sweet almond as well as floral extracts, its natural claims are backed by third-party certification. GH Beauty Lab experts rewarded the brand’s century-old heritage of growing plant-based ingredients on its own farms and eco-friendly manufacturing practices. “The thick texture of this cream really helps relieve my extremely dehydrated dry skin,” says GH’s beauty director. “I turn to it for intensive nutrition and love that it’s reasonably priced for such a quality product.”

    • Key ingredients: Glycerin, sweet almond oil, sunflower oils
    • Certificates:
    NATRUE certified natural

    2

    Best natural face moisturizer for sensitive skin

    Sensitive Care Face Lotion

    • Great value
    • Gentle formula

    This Weleda facial moisturizer created for sensitive skin is made with a short list of ingredients, including soothing sweet almond and plum seed oils, as well as softening glycerin. The formula is fragrance-free, a common irritant. “This gentle moisturizer comforts my eczema-prone complexion even when I have breakouts and doesn’t cause any irritation,” notes GH’s beauty director.

    • Key ingredients: Glycerin, sweet almond oil, plum oils
    • Certificates:
    NATRUE certified natural

    3

    Best natural face moisturizer for the night

    Skin Dew Coconut Water Cream

    • Works day and night
    • Made with plant-derived oils, waxes, extracts and butters

    One Love Organics is a beloved brand of beauty editor GH for its skin-smoothing formulas. This thirst-quenching cream, ideal for nighttime use for all skin types, is based on botanical ingredients such as coconut juice, sunflower seed oil and vegetable butters and waxes. “Virtually weightless but deeply moisturizes my dry patches,” one reviewer commented. “Perfect for day and night.”

    • Key ingredients: Jojoba, glycerin, vitamin E
    • Certificates:
    ECOCERT certified natural

    4

    Best Natural Face Moisturizer with SPF

    Mineral SPF 30

    • Contains only mineral-based sun active ingredients
    • Non-greasy matte finish
    • Mineral active ingredients can leave a film on the skin

    Nelly Devuyst moisturizing face cream Made with 100% natural mineral sunscreens, titanium dioxide and zinc oxide are backed by two reputable third-party natural product certifications. “Surprising!” one reviewer raved. “It doesn’t leave a greasy feeling and is actually mattifying.”

    • Key ingredients: Titanium dioxide, zinc oxide, tea extract
    • Certificates: COSMOS and certified organic ECOCERT

    5

    Best natural face moisturizer for oily skin

    Vitamin C Moisturizing Cream Gel

    • Lightweight gel formula
    • Good value for money
    • May not be nourishing enough for dry skin

    Oily skin also needs hydration: Keep oily skin soft and balanced with this lightweight gel-cream formula from Avalon Organics, which is certified natural. From a line favorite of GH beauty editors, the moisturizer is infused with skin-brightening and protective antioxidant vitamin C in an aloe juice base. “Excellent texture that isn’t heavy at all,” remarked one reviewer.

    • Key ingredients: Vitamin C, aloe, glycerin
    • Certificates: NSF for Organic Claims

    6

    Best natural face moisturizer for acne-prone skin

    Turmeric Glow Moisturizer

    • Calms rashes
    • Refillable packaging

    This Kora Organics face moisturizer is a GH beauty editor must-have for acne-prone complexions. The formula is made with anti-inflammatory turmeric extract and comes in a refillable jar. “This moisturizer calms and doesn’t irritate my acne-prone skin,” says GH Beauty Assistant Catharine Malzahn. “In addition to keeping redness at bay, the anti-inflammatory properties of turmeric help calm my rashes. This moisturizer lives up to its name: it keeps me glowing (and hydrated)!”

    • Key ingredients: Hyaluronic Acid, Turmeric, Lactic Acid, Vitamin E
    • Certificates: COSMOS for organic claims

    seven

    Best natural face moisturizer for aging skin

    Firming day cream with triple effect hyaluronic acids

    • Smooths skin texture
    • Improves the appearance of fine lines and wrinkles

    Mix with multiple certified organic ingredients, Lavera’s moisturizer helps plump and smooth aging skin. It contains bakuchiol, a plant-based alternative to retinol, as well as reference hydration booster hyaluronic acid in addition to shea butter and vegetable oils to nourish fragile skin. “After just one use, I noticed significant improvements,” one reviewer marveled. “My skin is firmer and more elastic, the complexion is smoother and more even and wrinkles are significantly reduced.”

    • Key ingredients: Hyaluronic acid, bakuchiol, shea butter
    • Certificates: NATRUE certified natural and organic

    How We Pick the Best Natural Face Moisturizers

    GH Beauty Lab scientists formulated this list of the best natural facial moisturizers by first evaluating third-party natural product certifications for their standards and protocols, determining that COSMOS (natural or organic), ECOCERT (natural or organic), NSF (organic) and NATRUE (natural or organic) from the International Association of Natural and Organic Cosmetics are trusted as industry standards. The lab’s experts then reviewed facial moisturizers from brands that hold these certifications, analyzing each product’s ingredients, claims and reviews to ensure they met transparency and efficacy standards.

    What is a “natural” moisturizer?

    Although the term “natural” is unregulated, here’s what the claim could mean, depending on the product, Aral explains:

    • Formulated without certain “ingredients of concern” such as parabens, synthetic fragrances or dyes, and no chemical sunscreen actives.
    • Created without ingredients synthesized by heavy chemical processes or derivatives of petroleum-based raw materials.
    • Contains “naturally derived” ingredients which are of vegetable origin and which have been obtained by minimal chemical treatment, such as botanical extracts, vegetable oils or butters and essential oils.
    • Made with certified organic ingredients from agricultural products from organic farming.

    What to look for when buying the best natural face moisturizers

    ✔️ Search third-party certifications. “Consumers looking for ‘natural’ or ‘clean’ beauty products like facial moisturizers should look for those that are as transparent as possible about the raw materials used in their formulation by obtaining trusted third-party certifications,” advises Aral. . “In this space, such recognized programs include those of COSMOS, ECOCERT, NSF and NATRUE.”

    ✔️ Beware of misleading marketing jargon. “Treat with caution when products use hyped claims such as ‘100% natural’, ‘chemical-free’ and ‘non-toxic’ without any accreditation, as they could be a sign of greenwashing,” says Aral. Greenwashing is a term that describes the tendency for brands to make exaggerated marketing claims related to being eco-conscious, sustainable, or “natural” without justification.

    Why trust Good Housekeeping?

    For this piece, Birnur Aral, Ph.D., the executive director of the GH Beauty, Health and Sustainability Lab, led the background research to identify the best natural facial moisturizers, as well as providing expert commentary on natural skincare products and how to buy formulas you can trust. Aral has overseen GH Beauty Lab testing, including skincare products like moisturizers, for nearly 15 years and has been an active leader in conceptualizing many of the brand’s green initiatives, including GH Sustainable Innovation Awards and the annual Raise the Green Bar Summit.

    For this piece, Aral teamed up with April Franzino, the beauty director of Good Housekeeping, who worked closely with Aral to translate GH Beauty Lab’s findings on the best natural face moisturizers and write a trusted guide for the category. Franzino has over a decade of experience working in the Good Housekeeping Institute’s beauty lab, and in his role over the past seven years, Franzino has reported extensively on GH Beauty Lab’s expert investigations of the movement of natural and clean beauty products.

    This content is created and maintained by a third party, and uploaded to this page to help users provide their email addresses. You may be able to find more information about this and similar content on piano.io

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    Guide Rail Elevator Market Size | To share

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    New Jersey, United States,- The Global Guide Rail Elevator Market research offers in-depth analysis of the market throughout the projection period. The study includes a number of sections as well as a review of opportunities and elements that are most likely to have a major impact in the future. This study offers a comprehensive analysis of the global Guide Rail Elevator Market. The report’s market projections are supported by substantial secondary research, primary interviews, and in-house expert assessments. These market projections were created by analyzing the effects of different social, political, and financial variables on the global Guide Rail Elevator market along with existing market dynamics.

    The chapter also includes Porter’s 5 Forces Analysis, which explains the five forces of the global Guide Rail Elevator market including consumer and supplier bargaining power, new entrants risk, substitutes risk and the level of competition among competitors. . The market overview also includes market dynamics. The competitive environment of the global Guide Rail Elevator Market is another topic covered in the report.

    Request sample PDF copy of report: (including full table of contents, list of tables and figures, chart): https://www.marketresearchintellect.com/download-sample/?rid=465728

    Market segmentation :

    Key players:

    • Toyota Industries Corporation
    • KION Group
    • Mitsubishi Nichiyu Forklift
    • Jungheinrich AG
    • Crown gear?
    • Hyster-Yale Materials Handling
    • Anhui forklift
    • Doosan industrial vehicle
    • Hangcha Group
    • Handling Clark materials?
    • Komatsu
    • Hyundai Heavy Industries
    • Combilift
    • PE equipment
    • Konecranes

    Segment by types:

    Segment by applications:

    • mining application
    • Logistics app
    • Building request
    • Others

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    Regions are covered in Guide Rail Elevator Market Report 2022 to 2028

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

    Report Highlights

    – Quantitative market information and forecast for the global Guide Rail Elevator industry segmented by type, end-use and geographical region.

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    There are 13 Sections to show the global Guide Rail Elevator market:

    Chapter 1: Market Overview, Drivers, Restraints and Opportunities, Segmentation Overview

    Chapter 2: Market Competition by Manufacturers

    Chapter 3: Production by regions

    Chapter 4: Consumption by Regions

    Chapter 5: Production, by Types, Revenue and Market Share by Types

    Chapter 6: Consumption, by Applications, Market Share (%) and Growth Rate by Applications

    Chapter 7: Comprehensive Profiling and Analysis of Manufacturers

    Chapter 8: Manufacturing Cost Analysis, Raw Material Analysis, Manufacturing Expense by Region

    Chapter 9: Industrial Chain, Sourcing Strategy and Downstream Buyers

    Chapter 10: Marketing Strategy Analysis, Distributors/Traders

    Chapter 11: Market Effect Factor Analysis

    Chapter 12: Market Forecast

    Chapter 13: Guided Rail Elevator Market Research Findings and Conclusion, Appendix, methodology and data source

    Finally, the researchers shed light on the accurate analysis of the global Rail Elevator Market dynamics. It also measures enduring trends and platforms that are driving market growth. The degree of competition is also measured in the research report. With the help of SWOT and Porter’s five analyses, the market has been thoroughly analyzed. It also helps in dealing with the risks and challenges faced by businesses. Also, it offers in-depth research on sales approaches.

    To note: All of the reports we list tracked the impact of COVID-19. The upstream and downstream of the entire supply chain were taken into account during this operation. Additionally, where possible, we will provide an additional COVID-19 update supplement/report to the third quarter report, please check with the sales team.

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    11 ways Billie Eilish is paving the way for a vegan future

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    Singer and songwriter Billie Eilish’s massive platform has given her the opportunity to do more vegan advocacy than we could even hope to accomplish in our lifetime. The international celebrity turns 20 on December 18, and we’re celebrating with a whirlwind of Yoga-urt’s Chocolate Bliss and Peanut Butter Prana vegan fro-yo (Eilish’s favorite combo) and a long list of all the reasons we love her. love his soulful music for more than just. From launching a vegan chocolate bar to convincing an iconic fashion designer to ditch fur for good, here are 11 ways Billie Eilish is an absolute vegan gem.

    1 She became a vegan at 12

    No doubt influenced by her mother, Maggie Baird, an activist and celebrity in her own right, Eilish said vogue that she became a vegan at the age of 12. After learning of the atrocities of the meat and dairy industries, she could not erase this sad reality from her mind. It takes a special 12-year-old girl to make that connection, and we’re so glad she did.

    2 She recruits new vegans

    Eilish said she doesn’t want to tell others what to do, but she’s also not shy about speaking up about her veganism and will speak up when appropriate. In response to the horrors revealed by the Fair Oaks Farms undercover investigation, the then-teenager took to social media and did not water down her opinion. To her 26 million Instagram followers at the time (she’s at 104 million now), she captioned, “I keep my mouth shut most of the time about this because I believe everyone should eat and say what he wants.. and i don’t feel the need to push what i believe in, in anyone’s face, but man.. if you can watch the videos i just posted and not care about the fact that you are the one contributing by literally eating the creatures that are completely tortured just for your enjoyment, I feel sorry for you. I get that meat tastes good… and I know you think you’re just one person and it won’t matter if you quit but that’s ignorant and stupid. If you have half a brain, you should know that “one person” adds up. Be smarter.

    3 She makes fantastic vegan cookies

    We know, because we’ve tried them. With just seven pantry ingredients, the star somehow conjured vegan magic and created surprisingly good vegan peanut butter chocolate chunk cookies that just happen to be gluten-free. Don’t believe us? Try the recipe for yourself. There’s no excuse not to, because you probably have the ingredients on hand.

    4
    She’s been on SNL twice

    First as a musical guest in 2019 and most recently as a host and musical guest on Dec. 11, 2021, Eilish has graced the Saturday Night Live stage more in her 20s than many artists twice her age. . Although she admitted in several outlets that she was extremely nervous about hosting, we really enjoyed the episode and loved how she didn’t take herself too seriously, even when she let escape a few involuntary chuckles.

    5 She took to Capitol Hill to support a federal vegan school lunch program

    The Grammy winner is no stranger to using her platform for good, so it was no surprise she took a detour on her world tour to support the Healthy Future Students and Earth Act, a bill that would make plant-based school meals more accessible. to students across the country. “I’m proud to champion this legislation that will help fight climate change, tackle food insecurity and promote health equity,” Eilish said.

    VegNews.BillieEilishOscardlrOscar de la Renta

    6
    She convinced Oscar de la Renta to give up fur

    This feat alone could equal the entire working life of a vegan nonprofit. How did the young influencer succeed? She issued an ultimatum to Alex Bolden, the managing director of Oscar de la Renta. She would wear their designer dress to the star-studded 2021 Met Gala provided the brand ditched fur altogether. Bolden agreed, and Eilish stunned the gala by wearing a gorgeous all-vegan nude tulle dress with a 15-foot train.

    seven She turned London’s O2 arena vegan

    If anyone can turn an entire arena into a vegan-only haven, it’s Eilish. In honour of Overheated, the singer’s six-day climate action event, the O2 arena has removed all animal products. Attendees were anything but disappointed as Impossible Foods exceeded expectations with plant-based entrees such as the Impossble Sausage Kofta and the Impossible Chicken Parmigiana.

    8 She’s teamed up with Nike to create vegan kicks

    A fan of Nike’s Air Jordans from a young age, Eilish worked with the brand to create a vegan take on the classic style. Made with 20% recycled materials, Eilish’s signature Jordans come in two colors, which may not coincidentally match her hair colors. One, Ghost Green, represents Eilish’s old neon green hue; the other, a nude taupe, matches her recent platinum look.

    VegNews.BillieEilishParfum1Billie Eilish Perfumes

    9
    Its vegan scent smells good

    Are you looking for a gift? Eilish’s sweet-but-spicy vegan flavor just might be. Launched in the fall of 2021, celebrity has been involved in everything from fragrance notes to bottle design. We had a whiff and think you’ll be pleasantly surprised by its complexity – it’s definitely not the sweet, cloying flavor you’d expect from a 19 year old.

    ten
    She has her own vegan chocolate bar

    Given the chance, who wouldn’t want their own line of vegan chocolate? As a limited-time promotion for his latest work Happier than ever, Eilish gave the name of the album to a vegan and organic milk chocolate bar with 35% cocoa. The sweet confection quickly sold out, but it’s back in stock to satisfy your chocolate cravings.

    11She’s a donor

    We have to assume that Eilish inherited her giving spirit from her mother. Whether it’s supporting the now national vegan hunger initiative, Support + Feed, or dropping off flowers and plant-based donuts to essential workers on Mother’s Day, Eilish seems to grasp every opportunity she can to give back and spread some vegan joy. Her fame continues to grow, but it’s good to know that she stays anchored not only by donating money, but precious time, to those in need.

    For more on Billie Eilish, read:
    Billie Eilish’s documentary has just been launchedBillie Eilish, Moby and Joaquin Phoenix call on COP26 to stop ignoring animal agriculture
    Billie Eilish launches sustainable clothing line at H&M

    Happy Birthday VegNews! To celebrate, we’re having a mega subscription sale, with amazing vegan prizes.

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    KVIA.com is launching a new feedback platform, let us know what you think

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    The Viafoura platform integrates an AI-driven algorithm to facilitate civil discourse

    Starting today, kvia.com is launching a new digital feedback platform powered by Viafoura.

    Our goal is to provide a forum for civil and constructive conversation on the kvia.com news website and app.

    To that end, we’ve developed the community guidelines outlined below and are pleased to announce the following new features:

    • Custom profile that allows you to create a site avatar and keep track of your personal engagement history.
    • Personalized newsfeed that allows you to follow favorite authors and/or topics.
    • Browser notifications to let you know when another commenter has replied to a thread you are following.

    To use these features and otherwise interact with our feedback platform, you will need to follow our Community Guidelines.

    In addition to human moderation of the comment platform, kvia.com will use Viafoura’s artificial intelligence algorithm to monitor and moderate comments. On its website, Viafoura explains that its “intelligent automatic moderation engine was designed by linguists and engineers to capture tone and recognize multiple forms of toxicity. It’s designed to match your community’s specific guidelines to protect your community from hate speech, harassment, and abuse. Questionable comments will always be reviewed by a human moderator.

    As a media company, we have a vested interest in open and robust discourse.

    At the same time, we recognize that some people take advantage of digital anonymity to spread misinformation or hate. We sincerely hope that the following guidelines strike a reasonable balance and that our users help to moderate respectful conversations themselves.

    We will not routinely review comments, but we reserve the right, in our sole discretion, to remove any misinformation or other content that violates our Community Guidelines that we discover or become aware of.

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    SoFi Technologies, Inc. (NASDAQ:SOFI) Receives Consensus “Buy Moderate” Recommendation From Brokerages

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    Shares of SoFi Technologies, Inc. (NASDAQ: SOFI – Get a rating) have been assigned an average rating of “moderate buy” by the thirteen rating agencies that currently cover the company, MarketBeat reports. Three research analysts rated the stock with a hold rating and six gave the company a buy rating. The average 1-year price target among brokerages that have reported on the stock in the past year is $13.73.

    A number of brokerages have recently released reports on SOFI. Moffett Nathanson began covering SoFi Technologies shares in a research report on Tuesday, April 5. They issued a “buy” rating and a price target of $13.00 on the stock. Wedbush cut its price target on SoFi Technologies shares from $20.00 to $15.00 in a Thursday, April 7 research report. Piper Sandler lowered its price target on SoFi Technologies shares from $10.00 to $8.00 and set an “overweight” rating on the stock in a Wednesday, June 29 research report. Oppenheimer lowered his price target on SoFi Technologies shares from $18.00 to $13.00 and set an “outperform” rating on the stock in a Thursday, April 7 research report. Finally, Bank of America lowered its price target on SoFi Technologies shares from $12.00 to $7.00 in a Tuesday, May 10 research report.

    Insider activity

    In other SoFi Technologies, CEO news Antoine Noto acquired 53,540 shares of the company in a transaction dated Thursday, June 16. The shares were acquired at an average cost of $5.58 per share, with a total value of $298,753.20. Following the acquisition, the CEO now directly owns 3,567,041 shares of the company, valued at $19,904,088.78. The purchase was disclosed in a document filed with the SEC, accessible via the SEC website. In other SoFi Technologies news, Director Harvey M. Schwartz purchased 15,000 shares of SoFi Technologies in a trade dated Friday, May 13. The shares were acquired at an average cost of $6.50 per share, for a total transaction of $97,500.00. Following completion of the transaction, the administrator now directly owns 229,852 shares of the company, valued at $1,494,038. The purchase was disclosed in a filing with the SEC, accessible via this hyperlink. Also, CEO Antoine Noto purchased 53,540 SoFi Technologies shares in a trade dated Thursday, June 16. The shares were acquired at an average price of $5.58 per share, with a total value of $298,753.20. Following completion of the transaction, the CEO now directly owns 3,567,041 shares of the company, valued at $19,904,088.78. Disclosure of this purchase can be found here. Insiders acquired 257,753 shares of the company valued at $1,561,711 over the past ninety days. Insiders hold 13.00% of the shares of the company.

    Institutional investors weigh in on SoFi Technologies

    A number of hedge funds have recently changed their SOFI holdings. PSI Advisors LLC increased its stake in SoFi Technologies by 674.7% in the second quarter. PSI Advisors LLC now owns 6,585 shares of the company valued at $34,000 after acquiring an additional 5,735 shares in the last quarter. Connective Portfolio Management LLC bought a new stock position in SoFi Technologies during the second quarter worth approximately $264,000. Harbor Investment Advisory LLC purchased a new stock position in SoFi Technologies during the second quarter for a value of approximately $124,000. Moseley Investment Management Inc. increased its position in SoFi Technologies shares by 14.4% during the second quarter. Moseley Investment Management Inc. now owns 38,083 shares of the company worth $201,000 after acquiring 4,799 additional shares in the last quarter. Finally, Wolff Wiese Magana LLC increased its position in SoFi Technologies by 108.7% in the 2nd quarter. Wolff Wiese Magana LLC now owns 120,715 shares of the company valued at $636,000 after purchasing an additional 62,876 shares in the last quarter. Hedge funds and other institutional investors hold 56.45% of the company’s shares.

    SoFi Technologies trades up 1.0%

    NASDAQ: SOFI opened at $6.35 on Tuesday. The company has a 50-day simple moving average of $6.31 and a 200-day simple moving average of $8.86. The company has a debt ratio of 0.94, a quick ratio of 5.60 and a current ratio of 5.60. SoFi Technologies has a 1-year low of $4.82 and a 1-year high of $24.65. The company has a market capitalization of $5.82 billion, a P/E ratio of -7.74 and a beta of 1.39.

    SoFi Technologies (NASDAQ: SOFI – Get a rating) last released its quarterly earnings data on Tuesday, May 10. The company reported ($0.14) earnings per share (EPS) for the quarter, meeting analyst consensus estimates of ($0.14). SoFi Technologies has a negative net margin of 36.32% and a negative return on equity of 9.24%. The company posted revenue of $321.70 million for the quarter, versus a consensus estimate of $283.99 million. The company’s revenue increased 48.9% year over year. Equity analysts expect SoFi Technologies to post -0.45 EPS for the current fiscal year.

    SoFi Technologies Company Profile

    (Get a rating)

    SoFi Technologies, Inc provides digital financial services. It operates through three segments: lending, technology platform and financial services. The society’s lending and financial services and products allow its members to borrow, save, spend, invest and protect their money. It offers student loans; personal loans for debt consolidation and home improvement projects; and home loans.

    See also

    Analyst Recommendations for SoFi Technologies (NASDAQ: SOFI)

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

    Should you invest $1,000 in SoFi Technologies right now?

    Before you consider SoFi Technologies, you’ll want to hear this.

    MarketBeat tracks Wall Street’s top-rated, top-performing research analysts daily and the stocks they recommend to their clients. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the market takes off…and SoFi Technologies didn’t make the list.

    While SoFi Technologies currently has a “Moderate Buy” rating among analysts, top-rated analysts believe these five stocks are better buys.

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    ‘Dark Nature’ Review – Wild Thriller Gets Lost in the Woods

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    Writer/Director’s Logline Berkeley Bradydirector’s first feature film dark nature describes it as “the story of a therapy group who are forced to confront the monsters of their past when a lonely weekend tests their emotional resilience and ability to survive”. It’s fitting enough, but with one small problem: The Canadian film – with its all-female cast, wild setting, and trauma-centric narrative – bears a very close resemblance to Neil Marshall’s. Lowering, aka one of the most iconic contemporary horror films. Like it or not, comparisons between the two films are inevitable.

    The first act of dark nature is very strong: it opens with an incredibly disturbing incident of domestic violence as Joy (What keeps you aliveit is Hannah Emily Anderson) is strangled by her boyfriend, Derek (Daniel Arnold). The violence is visceral and triggering, so it only makes sense that Joy is still suffering from the aftereffects months later. These manifest visually as Derek’s hallucinations and are accompanied by the telltale audio cue of his Zippo opening, a recurring motif throughout the film.

    Carmen, Joy’s best friend (madison walch) is sympathetic, but frustrated. Not only did Joy retreat into near-agoraphobia, but she also stopped engaging with anyone, including Carmen. The Interim Conciliation Solution is an all-female weekend therapy group, led by the famous and eccentric Dr. Dunley (Kyra Harper). It’s Carmen’s attempt to help Joy regain a sense of agency and control, but it’s also a last-ditch attempt to salvage their friendship. In this sense, the relationship between women is essential; it’s as important as the disturbing series of incidents that occur as the women go deeper into the desert.

    The film was shot in the Rocky Mountains of Alberta, Canada, and the on-location filming makes effective use of the natural geography (rocky quarries, thick woods, and ominous bodies of water). Like most horror films set in the forest, the geography is both beautiful and terrifying: Brady and the cinematographer Jaryl Lim frequently use aerial shots of trees and rocks as far as the eye can see to reinforce the extreme isolation. These women are truly alone…except for the threat that accompanies them.

    The first half of the film deftly walks the line without revealing too much about what’s going on. Joy is clearly experiencing PTSD flashbacks to her trauma, making her an unreliable protagonist. In this capacity, dark nature borrows familiar narrative ground from recent films like Sainte Maud and Knock, in which female-identifying characters spend the film questioning their sanity.

    It’s a bit of a tired trope, but thankfully Brady adopts the now-familiar POV slasher shot early on to confirm that he is something else in the woods with them. It’s important to note that these moments not only feature Joy, but also Carmen and the other Patients: Self-Harm Tara (Helen Belay) and former soldier Shaina (Roseanne Supernault). The question is not whether this is all on Joy’s mind, but rather who is outside with them: Derek… or someone else?

    Alas, the revelation of what is happening is also the point where dark nature loses its way. The film’s low budget dampens the effectiveness of several key moments of violence and the plausibility of certain characters’ decisions and the film’s overall pacing suffer as the danger increases.

    This slippage is particularly frustrating because we have known for Lowering that this premise is winning. Unfortunately, dark nature skips its most unique and intriguing elements – the nature of Dr. Dunley’s treatment and the relationship between the women and their respective traumas – in order to get to the only somewhat satisfying violent elements. The make-up effects are solid, sure, but the film laid the groundwork for a deeper exploration of healing via female friendships and therapy that ultimately doesn’t pay off.

    Is it cathartic to finally see Joy solve her problems in a bloody way? Absolutely… but dark nature could have been so much more.

    Ustwo worked with Peloton on their Lanebreak game mode

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    It took months of testing and a partnership with an award-winning mobile game developer to release one of the most interesting fitness video games of recent years.

    Why is this important: From Nintendo’s Wii Fit to Microsoft’s Kinect Sports, industry leaders have often tried to gamify exercise. Peloton’s Lanebreak is a notable example of an exercise company adding games to its product.

    Catch up, quick: Lanebreak is a mode released by Peloton in February that ties the Peloton driving experience together with gamified training.

    • Riders pedal along a moving track that looks like a mix of Guitar Hero and Beat Saber.
    • Regular prompts, synced to playlists, compel riders to change the bike’s resistance level, maintain a steady pace, or engage in a pedaling sprint.

    What they say : “When we were developing Peloton Lanebreak, we were particularly interested in creating a game-inspired experience that, at its core, was still based on the same exercise principles that guide the cues and movements of our cycling classes” , Jim Green, the senior product manager with Peloton Lanebreak, told Axios.

    • To achieve this goal, the mode had an extensive beta testing program among Peloton users that began last July.
    • Peloton Lanebreak launched on the platform after months of design and research, notably informed by a series of mini-games that we tested directly with members in guided sessions,” said Green. “In these prototypes, we experimented with mechanics and motivators ranging from social components to competition and pure play to see what resonated with our members.”

    Our thought bubble: As someone who’s never really enjoyed a fitness game (except maybe Beat Saber), I was shocked at how much Lanebreak taps into exactly what I’m looking for in a workout.

    • An injury has kept me from following my usual running routine, and for the past two months Lanebreak has been giving me challenging and engaging workouts.
    • I like the different durations, the coin toss for the highest possible score, and the varying difficulty settings.

    Yes, but: I don’t listen to music at all.

    • My dream exercise is one that allows me to listen to various podcasts or audiobooks, while keeping me sufficiently engaged in an activity that doesn’t feel monotonous.

    And it’s not sound as if I were alone.

    • “We received overwhelmingly positive feedback and nearly half a million members tried it out in its first month of launch,” Green said.

    Surprise partnership: Peloton was aided in the development of Lanebreak by the developers at ustwo, the studio behind the award-winning Monument Valley mobile games. He told Axios that he helped shape the concept, prototyping, and art.

    • “Lanebreak is one of the earliest examples of a stationary bike as a game controller,” ustwo told Axios. “As such, we were limited to the bike entrances. …Building an engaging experience that effectively leveraged those inputs and didn’t take users out of the experience was an exciting challenge to solve and we’re proud of how we innovated to create a rhythm-based, rhythm-inspired workout. game that motivates Peloton members.”

    Between the lines: It’s been a tough time for Peloton recently.

    Promised Platoon “new mechanics and challenges” upon Lanebreak’s release, the state of the company may slow down new additions for the mode.

    • “Since launch, we’ve continued to release new levels on a weekly basis across a variety of workout types and music genres to ensure Lanebreak is inclusive for all members,” Green said. “While we don’t have anything future to announce at this time, we are still considering how we can ensure experiences across our product lines stay fresh.”

    Sign up for the new Axios Gaming newsletter here.

    Tropical Boozy Smoothie: Mango Peach Edition

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    Like most people, I have fond memories from college where I made pina coladas at the beach — and at this time of year, I always crave it. Even though my tastes have changed and I now prefer a less sweet, lighter cocktail, the craving continues.

    This college pina colada has been on my mind for a few weeks now. So it wasn’t such a big surprise that the peaches at the Farmer’s Market made me think of first turning them into a cocktail before eating them over a sink or making a peach pie.

    An ice cold peach cocktail immediately came to mind. I considered a daquiri or a peach pina colada, but ultimately tossed those ideas in favor of a boozy smoothie bursting with tropical fruit flavor.

    First of all, who doesn’t love a smoothie? The key to a great smoothie is to make sure the fruit is frozen so you don’t need to add ice. The ice keeps things frosty, but ultimately it dilutes the flavor. If you want it more frozen, you can add a few cubes, but use them sparingly.

    This smoothie is made with pressed coconut water instead of dairy. Pressed coconut water is simply coconut water plus some pressed coconut flesh/mashed to give the juice a more coconut flavor. I like to use it because pressed coconut water adds a bit more substance than clear coconut water. If you can’t find pressed coconut water, you can use your favorite coconut water, but I love the richer pressed coconut water and drink it regularly.

    Instead of sweetening the smoothie with sugar or simple syrup, I like to make this smoothie with mango sorbet that is frozen and already slightly sweet. Good brands also taste like perfect ripe mangoes and although it’s not traditional, the end result is delicious. The beauty of using sorbets is that if you don’t like mango, you can use your favorite fruit sorbet. A raspberry sorbet would be perfect with the peaches and it would taste like a “Peach Melba”.

    Rum is the perfect alcohol to spice up the smoothie and the perfect rum is Plantation Stiggins Fancy Pineapple Rum. If you’re unfamiliar with rum, it’s literally made from fresh pineapple, not pineapple extract. This unusual and special rum is a collaboration between the brand’s founder, Alexandre Gabriel, and author and beverage historian, David Wondrich.

    The rum is “a tribute to the character created by Charles Dickens in the Pickwick Papers, Reverend Stiggins, whose favorite drink was ‘pineapple rum,'” according to the brand’s website.

    And, it’s not just the name of the pineapple, the two-step process uses the whole fruit; “the barking [rind] Victoria pineapples are infused in Plantation 3 Stars rum, which is then further distilled. Separately, the pineapple fruit is infused in Plantation Original Dark Rum. Both [the] the distillate and fruit infusion are finally blended, creating a rich and delicious pineapple bouquet…”

    One sip of rich pineapple infused rum and you’ll never use another rum for any of your fruity tropical concoctions again. And, incidentally, it’s a great addition to a pineapple upside-down cake.

    If you want, you can garnish your glass with a seasoned salt such as OSMO Mango-Chili cocktail salt. It’s a blend of sugar, salt, mango, lime and cayenne and adds a flavorful and sophisticated balance to the sweet smoothie. In fact, if you’re enjoying the cocktail with close friends, do yourself a favor and lick the coarse salt from the glass, then take a sip. The fruity cayenne pepper salt added to the velvety sweet rum drink is the perfect balance – everything you’re looking for in a special tropical drink.

    The recipe below is for a large smoothie-sized drink, but it’s easy to oversize the recipe. For example, a pint of mango sorbet and 4 large peaches will make 4 glasses. And, if you live in a place where you can’t find summer peaches, this drink can also be made with frozen peaches or other fruits.

    Watered smoothie: peach and mango edition

    If you’re making a pitcher of fruit smoothies for a crowd and not everyone is drinking alcohol, float the rum on the smoothie and let everyone decide whether they want it or not.

    1 large ripe peach, cleaned, sliced ​​and frozen – about 8 good-sized slices

    ½ cup mango sorbet

    Juice of ½ lime

    ½ cup pressed coconut water such as VitaCoco

    2 ounces Stiggins Fancy Pineapple Plantation Rum

    OSMO Mango-Chili Cocktail Salt

    If you are frosting your glass, wet the rim of the glass with the lime you squeezed and dip the rim of the glass in the Mango Chili Rim Salt. Put aside.

    Place frozen fruit, sorbet, lime juice, coconut water in blender or smoothie maker. Blend until smooth and add the rum. Stir and serve immediately in a rimmed or rimless glass.

    Farnborough Airshow – DB data – Battery industry uproar – POLITICO

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    Press play to listen to this article

    Brought to you by GE.

    By MARI ECCLES

    with Joshua Posaner, Simon Van Dorpe and Eddy Wax

    PRESENTED BY

    — We are in Farnborough at the start of the airshow for the first time since the start of the pandemic.

    — Why the German State Railways DB won’t give up its data.

    — The battery industry is panicking on the Commission’s classification of lithium.

    Hello and welcome to Morning Mobility. Hello from an extremely hot Farnborough airshow! I’ll be here all week; if you too, let me know!

    tips for [email protected], [email protected] and [email protected]

    Tweet us @joshposaner, @hclae and @marieccles.

    START OF THE FARNBOROUGH AIRSHOW: The aviation industry descends on Farnborough in Hampshire this week for the first major commercial airshow since Paris in 2019. More than 80,000 visitors are expected to experience the five-day bargain, which will be an opportunity for the sector to demonstrate how he is recovering from a bruised two years during the COVID pandemic.

    What to expect? Much of the focus will be on aircraft makers Airbus and Boeing, which will showcase new models in hopes of snagging big orders. The fates of the two companies have been different in recent years: the American manufacturer has experienced difficult times commercially since two fatal crashes of the 737 MAX in 2018 and 2019. In the meantime, Airbus is expected to sell more of its long-fuselage model A321neo, including an order from the German carrier Condor. But there should also be bright spots for Boeing: the company can expect orders worth more than $15 billion for its 737 MAX from Lufthansa and Delta Airlines, according to Reuters. The Seattle Times reports that the potential orders for the US aircraft maker would represent a thawing of tensions between Delta and Boeing, after the manufacturer tried (and failed) to use government-imposed tariffs to prevent the airline from buying Airbus aircraft in 2018.

    The pressure is there: Boeing will want a successful show. The manufacturer has fallen behind European rival Airbus, which dominates the order and delivery categories in 2022. But its 737 Max 10s, which it is bringing to Farnborough, are unlikely to be certified by regulators. here the end of the year. year, according to the BBC. This would subject it to new rules on cockpit safety alerts, which would force the manufacturer to modify the cockpit, requiring new training for pilots used to other 737 models.

    Future of flight: Besides the commercial aspect, the airshow is also an opportunity to demonstrate how flying could change in the years and decades to come. Expect a big focus on “vertical take-off and landing electric planes” (what we like to think of as flying taxis).

    Elephant in the room: Given that the air show coincides with record heat across much of the UK and Europe, it’s hard not to think about the climate crisis. The aviation industry will be keen to prove that it can decarbonize, with several panels focusing on sustainable aviation fuels and, in particular, new technologies.

    WHY DB WILL NOT SELL ITS DATA: German railroad Deutsche Bahn has long been in dispute with private ticket sellers and train operators over its approach to data access. For example, it will not allow platforms to access key information on delays or sell discounted tickets; nor will it allow the sale of seats for alternative operators such as Flixtrain through its own dominant platform, a market leader called bahn.com (bahn literally means “railroads”). This site is effectively state funded, as the DB is state owned, and is a must for most European rail travelers as it has downloaded timetables for all European trains (although in most cases, the DB website cannot actually sell bookings for non-German routes, unless they start in a German city).

    This long-running dispute between DB and its challengers is currently being examined by Germany’s Federal Cartel Office (the European Commission is expected to legislate on some of the broader aspects of open data later this year, officials told us). According to our colleague Louis Westendarp, the DB claims that it is simply more efficient to manage its own distribution of tickets; however, the company is on shaky ground here given that the platform is so dominant and open data opened up the aviation market years ago. Many rail watchers expect a rapid period of market liberalization over the next few years. With efficient railways very important to going green, it is believed that it should be easier to book travel between major capitals by train than it actually is. This makes the DB case in Germany a critical test.

    Find Louis’ full story here.

    Upcoming airlines: Unlike airlines, where many platforms exist that can sell tickets from A to B around the world, travelers often have to go to different national platforms such as bahn.com to find tickets for transcontinental travel. For example, try booking a journey between Berlin and London, and see how difficult it is to find a unique price from one operator.

    Now what? Germany’s Federal Cartel Office said in April that access to this data was vital because without it competition in the passenger rail sector is hampered. A final decision in the case could come in a few weeks, a person told Louis, but the watchdog wouldn’t be stuck specifying a date.

    **A note from GE: GE is developing technologies to reduce CO2 emissions for a more sustainable future of flight. This includes innovating new advanced engine architectures such as open fan through the CFM International joint venture, megawatt-class hybrid electric propulsion, new advanced engine core designs, and supporting fuels research alternatives. Learn more.**

    DECOMPOSE BATTERY CASH DUMP? The European Commission is great at announcing big numbers and big plans on things like batteries and hydrogen as part of its state-backed investment programs. However, it is less effective at breaking down where the money is coming from and where everything is going for strategic initiatives. The approval last week of a record €5.4 billion in grants for an Important Project of Common European Interest (IPCEI) on hydrogen technology, Hy2Tech – essentially a multi-grant project States on Steroids – came with details of companies that got public funding from a 2019 IPCEI for batteries, which is pretty big of a deal.

    How long? It took two and a half years for this information to come to light, and the document still only provides a range for the taxpayer subsidy each company got. The program aims to provide automakers with local battery cells to use in electric cars, rather than making them dependent on imports, mainly from China.

    Who receives the money: Of the 41 projects, 15 are based in France, 10 in Italy and 6 in Germany, French MEP Christophe Grudler said in a statement. Some 2 billion euros out of the 5.4 billion in aid approved by the Commission come from French coffers. France’s northern Franche-Comte region, close to the border with Switzerland, hosts three major projects, Grudler said: €247 million for Alstom, €213 million for Faurecia and €114 million for McPhy.

    And the winner is … ? The first beneficiary of PIIEC 2019 was the Automotive Cells Company (ACC), which received between 500 and 1 billion euros in French aid and between 350 and 510 million euros in German aid. ACC is a joint venture between battery specialist Saft Groupe and the Peugeot and Opel units of Stellantis. BMW left with between 73 and 122 million euros in German aid.

    THE FREAK-OUT LITHIUM CLASSIFICATION: The European Commission will soon decide to classify lithium as a toxic chemical, sparking an outcry among battery and commodity producers who say it would derail the bloc’s transition to green energy. Specifically, lobbyists say it will undermine efforts to strengthen the bloc’s strategic autonomy over the production of battery cells for automakers (which is why so much money from the IPCEI program has flooded the sector as described here). -above).

    Read Antonia Zimmermann and Leonie Cater’s full story here.

    UK LAUNCHES AIR PASSENGER BILL OF RIGHTS: The British government launched an “Aviation Passenger Charter” on Sunday to inform travelers of their rights in the event of delays, cancellations or other travel problems at airports this summer and beyond. Airports like Heathrow are creaking under the strain caused by understaffing following the lifting of COVID travel restrictions.

    ‘Peace of mind’: The charter provides guidance on how to file a complaint and seek compensation. “The new charter will help give UK passengers peace of mind as they enjoy renewed freedom to travel, whether on holiday, business or to visit loved ones,” said the UK Transport Secretary Grant Shapps.

    Car sales in the EU have now fallen to their lowest level for the month of June since 1996 amid a crisis in semiconductors and the wider supply chain, it is reported.

    The European Investment Bank is committed to cutting spending on roads, writes the Financial Times.

    **A note from GE: GE outlined what is one of the company’s most extensive technology development roadmaps in its more than 100-year history. Multiple ground and flight tests planned during this decade will seek breakthrough new technologies for use in next-generation commercial aircraft engines that could enter service from the mid-2030s. Advanced engine architectures such that open fans, hybrid electric propulsion systems and new compact motor core designs – some of the technologies that will be demonstrated on testbeds over the next few years – will all be key programs to watch in 2022 and beyond. In addition to maturing these technologies for the future of flight, GE is also supporting efforts to increase the use and availability of alternative fuels, such as sustainable aviation fuel (SAF) and hydrogen. Breakthrough technologies and alternative fuels both have a vital role to play in achieving the aviation industry’s long-term climate goal of net zero carbon emissions by 2050 for commercial flights. Learn more.**

    Lipstick chemicals: How to tell if your lipstick is clean

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    “I thought, I don’t know what’s in these products! And we put them on our lips and digest them.”

    Before starting Lük Beautifood, Cindy says she went to work learning all the different ingredients in lipstick.

    “I learned about the different dry oils, wet oils. Whether they absorb or not and worked on that,” Cindy explains.

    “And I just decided, I’m going to make the creamiest, smoothest, most delicious lipstick. It’s just sheer, and it can go in my pocket, and I can wear it all the time, and it’s not makeup. And honestly, that’s what I did.”



    Getty

    How do you know if a lipstick is “clean” and free of harmful chemicals?

    Cindy says that to find out what chemicals are hiding in your lipstick, “start by reading the ingredients — if you can.”

    “It can be difficult because they often have scientific-sounding names.”

    Additionally, the Environmental Working Group (EWG) is dedicated to product research and education, including cosmetics. Their Skin Deep Online Toxicity Guide is a great place to check your cosmetics for nasty ingredients.

    What harmful ingredients are found in lipstick?

    Microplastics

    “We know the environmental concerns of plastics, but recent studies show that microplastics are showing up in the human body and even in baby poop!” Cindy said.

    “We don’t know the long-term effects of microplastics in our system or where they end up.”

    CHOICE has a great guide to determining if your lipstick contains microplastics. Read it here.

    Oil

    Lipsticks are made from oils, fats and waxes, some of which are derived from petroleum.

    You can also find petroleum in synthetic dyes. “Artificial colors and Lake Colors (FD+C) are derived from coal tar (petroleum), and some are considered carcinogenic,” says Cindy.

    According Luk Beautifood’s swear words listother petroleum-based ingredients to avoid include: “Paraffin wax, mineral oil, toluene, benzene, polyethylene glycol (PEG), diethanolamine (DEA) and ethanolamine (MEA), butanol, and any word containing butyl alcohol: butyl alcohol , butylparaben, butylene glycol, ethylenediaminetetraacetic acid (EDTA), propylene glycol, ethoxylated ingredients and synthetic perfume or fragrance.

    Heavy metals

    If the color of your lipstick is not natural, it will either be of animal origin or synthetic. This is especially the case with bright red lipstick.

    When you read the word “lake” in an ingredient list, it means the colors are man-made. The EWG says “The term ‘lac’ is applied to pigments or dyes that are precipitated with metallic salts such as aluminum, calcium, barium or others. Most lake pigments are produced synthetically from coal tar or petroleum.

    Parabens

    Parabens are used as a preservative in cosmetic products. The EWG says, “Long-chain parabens (isobutyl-, butyl-, isopropyl-, and propylparaben) should not be used in personal care or cosmetic products.”

    animal products

    For vegans, you might want to avoid something called Carmine, which is found in many red lipsticks and is derived from crushed insects. This ingredient is listed in PETA’s Caring Consumer Guide as an animal-derived substance.

    Another ingredient to look out for in lipstick is lanolin oil – a product of the sebaceous glands of sheep, which PETA says is extracted from their wool.


    lipstick ingredients

    Getty

    How to read the back of the lipstick label

    Forget the marketing on the front and take a look at the ingredient list which should be on the back of the package. If not, you can find it on the brand’s website.

    First, the ingredients should be listed in order from largest to smallest amount. After that, the ingredients that make up less than 1% of the product will be listed. Finally, you will see the color additives used.

    So, whichever ingredients appear first, they will be the ones that will make up the bulk of the lipstick.

    If you really want to know what’s in your cosmetics, the best place to start is the EWG website.

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    What to watch at the 2022 World Championships in Athletics

    0

    Day three of the World Championships in Athletics starts early and ends late, with must-see races (the men’s marathon and the women’s 100m final) rounding out the action.

    But you won’t want to stray far from noon either; otherwise, you’ll miss the always thrilling men’s 10,000 meters final. (Fingers crossed matches the excitement of Saturday’s women’s final.) There are also plenty of key qualifying races for the finals later in the week.

    Here’s a quick guide to the day’s key events.

    Full schedule | Daily Results | How to watch


    Races to watch today

    Marathon Men

    When: 6:15 a.m. PDT/9:15 a.m. EDT
    Broadcast:
    CNBC
    Diffusion:
    Peacock, NBC Sports

    Imagine that you are one of the best marathon runners in the history of the United States and the course of the world championship will pass through your college town. You’d be pretty excited, right?

    That’s the situation Sunday for former University of Oregon and two-time Olympic medalist Galen Rupp. His preparation for this once-in-a-lifetime race is far from ideal – he dropped out of his most recent race, the New York City Half in March, due to a herniated disc, and had COVID in June. Nevertheless, the second-fastest American in history told us earlier this month that he was confident about his fitness and would fight, as usual, for victory or the podium too. long as possible.

    He will need confidence, fitness and a bit of luck to achieve this goal. Among his competitors: the Kenyan Geoffrey Kamworor, double champion of the New York marathon; reigning Olympic silver and bronze medalists (training partners Abdi Nagayee of the Netherlands and Basher Abdi of Belgium); reigning world champion Lelisa Desisa of Ethiopia; and the compatriots of Desisa Mosinet Geremew (second at the 2019 Worlds and holder of the best PR in the field) and Seifu Tura (who relegated Rupp second in Chicago last October).

    You enjoy watching the biggest races. U.S. too ! Join Runner’s World+ to keep up to date with the latest races!

    And these are just the biggest of the big names. Still, a podium appearance from Rupp is possible. He and the rest of the field had some luck before the race when Boston 2019 winner Lawrence Cherono of Kenya was given a provisional suspension for doping on Saturday. Additionally, World Championship marathons tend to have a lot of dropouts. If a top marathon runner is having a bad day, it can be tempting to cut their losses and aim for one of the lucrative fall marathons. (Prize money for all events at the World Championships is paid out eight times, with $70,000 for first and $5,000 for eighth, but there is no appearance fee.) The Eugene Course is good for this type of DNF. It’s three 14K loops, so giving up after two circuits gives you a tough run but easy to bounce back.

    The course is also flat, and the weather forecast is favorable (temperatures in the 50s, with slight humidity). Times could be quick. Unlike the hotter summer Marathon World Championships, top contenders should have less incentive to hang around and thus open up opportunities for slower entrants.

    Rounding out the US team are Army First Lieutenant Elkanah Kibet and financial analyst Colin Mickow, both of whom are training for demanding job responsibilities. Especially during the first World Championships on American soil, they will, like Rupp, be very motivated to drop everything on the streets of Eugene.

    Men’s 10,000 meters final

    When:
    1:00 p.m. PDT/4:00 p.m. EDT
    Broadcast:
    NBC
    Diffusion:
    NBC Sports, Peacock

    Christian PetersonGetty Images

    Grant Fisher’s American record of 26:33 is the fastest time in the world this year. Fifth at the Olympics last year, Fisher is a legitimate threat to be the first American to medal in this event at a world championship. In most of his races this year, he has honed his ability to run nearly 4:00 miles for the final laps at an already fast pace.

    Of course, Fisher isn’t the only man on the court who can shut down like that. World 10k titles are almost always won by runners who can also sprint ahead of their rivals in the final 200 meters. To get on the podium, Fisher will need to have one or more Olympic medalists from last year (Selemon Berega of Ethiopia, world record holder Joshua Cheptegei of Uganda and half marathon world record holder Jacob Kiplimo from Uganda), as well as his training partner Mo Ahmed from Canada, who won Olympic silver in the 5K last year. Ethiopian leader Berihu Aregawi will likely help maintain an honest pace early on.

    If Fisher falters, fellow American Joe Klecker is ready and able to take over. In fact, Klecker edged out Fisher for the US title in May. In a more tactical race, Klecker has the wheels to upset plenty of men with faster PR.

    Women’s 100m final

    When: 7:50 p.m. PDT/10:50 p.m. EDT
    Broadcast: NBC
    Diffusion:
    NBC Sports, Peacock

    The field for the bragging rights of the fastest woman in the world will not be defined until the semifinals earlier in the evening (5:33 p.m. PDT / 8:33 p.m. EDT). But we’re not going to take any chances saying expect a final full of Jamaicans and Americans, and the Jamaicans are likely to dominate – their four-woman squad has won a total of 21 Olympic titles. and global! US champion Melissa Jefferson will lead the attempt to prevent a Jamaican sweep.

    Follow our full coverage of the 2022 World Championships in Athletics here.

    This content is created and maintained by a third party, and uploaded to this page to help users provide their email addresses. You may be able to find more information about this and similar content on piano.io

    Jeremy Pang’s Sichuan Salt and Pepper Shrimp Recipe

    0
    Jeremy Pang Sichuan Salt and Pepper Prawns

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    300g peeled raw tiger prawns

    6 to 8 garlic cloves, finely chopped

    ½ thumb-sized piece of ginger, peeled and finely chopped

    1 large red pepper, finely chopped

    1–2 spring onions, finely chopped

    1 tablespoon Sichuan peppercorns

    1. Butterfly the prawns, cutting through the shells on the back, running your knife through the flesh to open them. Stop slicing just before the tail to keep it intact. Scrape the black digestive tract, then place the butterfly prawns in a bowl and wash well in cold water. Score the prawns horizontally four to five times so that they open well during cooking, then sprinkle them with cornstarch.

    2. For the spice blend, toast the Sichuan peppercorns in a dry skillet, swirling over medium heat for one to two minutes until they pop and become fragrant. Add the salt to the pan, then transfer to a pestle and mortar or spice grinder, add the white pepper and sugar and pound or grind to a powder.

    3. Heat two to three tablespoons of oil in a frying pan and bring to high heat. Place the prawns flesh side down in the pan and fry for three to four minutes, until they begin to pink. Flip and cook shrimp until pink all over, then remove from skillet.

    4. Build your “wok clock” (i.e. arrange your prepared ingredients on a plate before cooking them, in the order you need them): Start at noon with the garlic, then the ginger, red pepper and spring onions, the spice mix and finally the sautéed shrimp.

    5. Heat one to two tablespoons of oil in your wok over medium heat. Add the garlic, stirring constantly until it starts to brown and separates a bit – about 30 seconds. Then add the ginger, chilli and spring onions. Pour in the spice mix and immediately add the cooked shrimp to the wok. Toss five to six times in the wok to evenly coat the shrimp before serving.

    School Of Wok by Jeremy Pang: Delicious Asian food In Minutes is published by Hamlyn, priced at £20. Photograph by Kris Kirkham. Available now.

    New ‘realistic’ fiscal consolidation target says think tank

    0

    The Marcos administration’s fiscal program, while yet to be developed, appears to be “realistic” and supportive of continued economic recovery from the pandemic-induced recession, according to GlobalSource Partners.

    The New York-based think tank, in a commentary written by Romeo Bernardo, noted that the targets announced last week by the Development Budget Coordinating Committee (DBCC) were “essentially an extension” of the previous medium budget program. term coined by the Duterte economics team.

    The new program is seen as crucial as the new administration signals its commitment to fiscal consolidation.

    “The 2028 target for the debt ratio [of] 52.5% of gross domestic product (GDP) is certainly more realistic and supportive of post-pandemic recovery needs, than a promise to quickly bring it back to the pre-pandemic ratio of 39.6%,” GlobalSource said.

    The Philippines’ debt-to-GDP ratio has risen above 60%, the level internationally considered “prudent”, as it hit 60.5% following heavy borrowing during the pandemic. The ratio was at an all-time high of 39.6% in 2019.

    The DBCC assumes the national economy will grow 6.5-8% from 2023 to 2028 when Marcos’ term ends.

    Over the same period, the economic team is targeting a reduction in the budget deficit of 1 percentage point per year, from 8.6% in 2021 towards the pre-pandemic level of 3%.

    GlobalSource observes that the reduction in deficit and debt-to-GDP ratios will come through a combination of increasing revenues (15.5% of GDP to 17.5%) and reducing spending (24.1% at 20.6%).

    Considering this, the think tank wants the economics team to develop new engines of economic growth.

    “We note that the 6% growth target for goods exports is itself unambitious, especially in light of new laws liberalizing foreign investment,” he said.

    The group awaits details on new revenue streams and spending reforms to fund social protection programs, particularly health and education; and keep infrastructure spending at 5-6% of GDP.

    —RONNEL W. DOMINGO

    Read more

    Don’t miss the latest news and information.

    To subscribe to MORE APPLICANT to access The Philippine Daily Inquirer and over 70 titles, share up to 5 gadgets, listen to news, download as early as 4am and share articles on social media. Call 896 6000.

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    Are you vulnerable to class action?

    0

    Class action lawsuits are getting smarter and more aggressive according to speakers at this year’s Dietary Supplement Legal, Regulatory and Compliance Forum, hosted by the American Conference Institute, in conjunction with the Council for Responsible Nutrition. Plaintiff’s bar and consumer protection groups can target manufacturers through a class action by exploiting regulatory loopholes, seeking financial compensation. While collective action may be justified in some cases, the system can be abused. According to a presentation by Claudia Lewis, partner at Venable LLP and Livia Kiser, partner at King & Spalding, plaintiff’s bar and consumer protection groups conducting class actions are often funded by industry players to use against competitors. In some cases, this may be a form of industry self-regulation, but may also be profit-driven to gain competitive advantage. Therefore, manufacturers should be aware of how vulnerable they may be to a class action lawsuit.

    Class action lawsuits often focus on false labeling claims. Examples of this are “natural” claims and unsubstantiated product claims. Because there is no official definition of the term “natural”, companies using the term may be vulnerable if they use “natural” on their labels but have synthetic ingredients in their product. Once, lawsuits were even filed against Nordic Naturals because its brand name contained the word “natural,” even though its products made no “natural” claims. Lawsuits citing unsubstantiated allegations have varying degrees of success for the plaintiff’s bar.

    Some courts state that private litigants cannot sue unsubstantiated claims without broader evidence that they are in fact unsubstantiated. However, this is not always consistent. For example, in the recent “Joint Juice” case, a jury awarded $1.49 million in actual damages based on approximately 165,000 units sold during the relevant period, or approximately $9 per drink. . According to a panel of attorneys including Mark Brian Levine, Associate General Counsel, Reckitt Benckiser, Jasmine Wetherell, Attorney, Perkins Cole, and Rohit A. Sabnis, Partner, Keller & Heckerman LLP, this case was unique because it attacked the structure of the product . functional claims around the joint health benefits of glucosamine and chondroitin sulfate. The product doesn’t even make any disease claims. Therefore, even compliant products are vulnerable to class action lawsuits.

    While private litigants cannot enforce regulations such as the Food, Drug and Cosmetics Act through class action, there has recently been an increase in cases that indirectly introduce regulations into the law. ‘equation. Although generally unsuccessful, some class actions have been attempted against CBD products and products containing new dietary ingredients that have not been notified to the FDA, claiming they are falsely advertised as dietary supplements. Sometimes plaintiffs can target technical violations, such as when a product manufacturer does not place the DSHEA warning sign on the same sign as a structure-function claim. In the case of CBD or even “natural” claims, defendants have successfully argued that litigation cannot proceed until the FDA issues guidance, but success is not guaranteed.

    Part of the reason that class action results may vary is due to the subjective definition of a “reasonable consumer”. Essentially, plaintiffs must demonstrate that a majority of the public would be misled by a company’s “misleading advertising”. How this is demonstrated by a plaintiff or how it may be interpreted by a jury will vary, which is why similar cases can have very different outcomes.

    Manufacturers must weigh the potential costs of a settlement with plaintiffs versus legal action. In some cases, it is better to settle. In fact, only about 20% of class action lawsuits end up being filed, and many choose to settle out of court. Sometimes plaintiffs’ claims can be flimsy, warranting legal action, but if unsuccessful, depending on the jurisdiction, the damages can be high. In the “Joint Juice” case, for example, after the verdict, the plaintiffs sought compensation of approximately $140 million in damages. The plaintiffs filed these claims under §§ 349 and 350 of the New York State General Business Law (GBL), which generally prohibit false or misleading advertising. For each violation of §349, there is a statutory damage of $50 and for each violation of §350, plaintiffs have a statutory damage of $500. Thus, for each unit sold in New York State, the statutory damages amount to $140 million (166,249 x $550). A statutory damages hearing has yet to take place, but if granted, it would set an important precedent.

    RNC’s ‘fake cheap’ tries to paint a confused and lost Biden

    0

    Comment

    “What do I do now?”

    An allegedly confused President Biden upon his arrival in Israel, in a tweeted video by an account managed by the Republican National Committee, July 13

    “Cheap knockoffs,” or the practice of distorting events unfolding in a video by adding or omitting context, are nothing new. Nor are attacks challenging Biden’s mental fitness, but the occurrence of both phenomena isn’t slowing. We have documented several examples, like here.

    This latest example, guided by one of the Republican National Committee’s Twitter accounts, shows how easy it is to single out a seemingly innocuous moment and imbue it with fallacious meaning.

    The stakes for Biden’s first trip to the Middle East as commander-in-chief are high. With planned stops in Israel, the West Bank and Saudi Arabia, the visit is expected to test his foreign policy acumen.

    Equally important is the optics of these efforts, from the moment a president leaves Air Force One. The high-level leader-to-leader diplomatic visits are particularly detail-oriented, with an eye on striking visuals for the cameras.

    The seven-second video tweeted by @RNCResearch of Biden’s arrival fails to reflect the US president being ready for the diplomatic challenges of the present. Instead, it shows a seemingly confused Biden, unsure of his surroundings – looking 79 years old.

    The longer source video of the arrival shows the complicated protocol ahead of a scheduled photo op with new Israeli Prime Minister Yair Lapid. It shows the long receiving line and the endless red carpet.

    But in the great tradition of “cheap fakes”, the excerpt cut and posted by @RNCResearch does not attempt to edit or change the video itself. He makes his point by removing the context of the original moment by simply adding text. And like a good “cheap fake”, it forces the viewer to do the heavy lifting by letting you fill in the contextual blanks.

    The use of this clip is an example of manipulated video – what we refer to as “isolation” in our manipulated video guide – because it is intended to create a false narrative that does not reflect the event as it happened. has occurred.

    Send us facts to check by filling out this form

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    The fact checker is a verified checker signatory to the International Fact-Checking Network Code of Principles

    Best Debt Consolidation Plans in SG 2022

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    Onramp Invest Raises $7M to Complete Series A Funding

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    SAN DIEGO–(BUSINESS WIRE)–Onramp Invest, the first turnkey digital asset platform for finance professionals, has completed its Series A funding round with a total of $7 million raised from lead investors JAM FINTOP and EJF Capital LLC (“EJF”), who participated through its subsidiary, the EJF Silvergate Ventures fund.

    Since its inception, Onramp Invest’s mission has been to remove barriers to investing in digital assets and help finance professionals intelligently and securely deliver crypto investment services to their clients. In turn, the financial services community played a huge role in Onramp’s feature development and roadmap. Onramp Invest offers an unparalleled suite of tools and services in an easy-to-use, fully integrated platform where finance professionals can:

    • Onboard clients in less than five minutes and easily link and view their portfolios on integrated dashboards

    • Open discretionary accounts with multiple custodians

    • Invest and follow a wide variety of digital assets

    • Access an expanding library of model portfolios, indices and automated services in the Onramp Model Marketplace

    • Learn from Onramp Academy, an evolving library of content, thought leadership, and interactive tools to build deep expertise in digital assets

    • Integrate customer data with a number of widely used tools and platforms

    Onramp Academy, previously a subscription service, will now be available free of charge to all finance professionals. And Onramp Invest will soon add the exclusive option to create and share custom models within the Onramp Model Marketplace.

    “With this funding, we will be able to accelerate our speed of innovation and extend marketing and communication to finance professionals so that they can take full advantage of Onramp Invest today. Custom templates and separately managed accounts will be great first steps in this innovation,” said Eric Ervin, CEO of Onramp Invest. “In addition to their investment, JAM FINTOP and EJF provide significant operating experience and industry advice to help ensure that Onramp Invest is ideally positioned for the next phase of digital asset growth.”

    Chris Haley, general partner of JAM FINTOP, has joined the board of directors of Onramp Invest. He is a seasoned advisor and operating executive in the high-growth technology and business services sectors. Notable in the RIA space, Haley spent several years as Chief Financial Officer of Black Diamond Wealth Platform and will apply her strong strategic and financial skills to the board.

    “Our investment in Onramp Invest reflects our vision that digital assets are poised to grow exponentially over the next decade. Regulated financial institutions need compliant solutions that integrate with existing systems and meet changing customer preferences in this space, and we believe Onramp Invest is uniquely positioned to be such a solution,” said Haley.

    “We believe Onramp Invest is building a critical part of the technology infrastructure necessary for further institutional adoption of digital assets. With years of experience in the wealth management industry, Eric and his team possess a unique skill set to realize their vision of becoming a trusted partner to the global financial advisor community, many of whom are seeking solutions for their adapt to the needs and demands of their customers. underlying customers,” said Jonathan Bresler, EJF’s Managing Director.

    About Onramp Invest

    Onramp Invest is the company that connects the world of digital assets with financial institutions and regulated professionals. As financial technology and digital asset innovation continues to develop at a rapid pace, financial advisors, RIAs, brokers, asset managers and commercial banks can interface with Onramp Invest to help bridge the gap between traditional and digital markets in a way that is compliant, efficient and drives the results investors want.

    About JAM FINTOP

    JAM FINTOP brings together banking experts and seasoned fintech entrepreneurs to invest in companies that are changing the way financial institutions and their customers move, track and interact with money. JAM has been investing in public and private community banks for 27 years, and FINTOP Capital is a leading fintech investor with over 140 years of collective experience. JAM FINTOP manages two venture capital funds in which most investors are regulated financial institutions. Among JAM FINTOP’s sponsors are over 90 banks with over $1 trillion in combined assets (the JAM FINTOP network). Considered as a single entity, the JAM FINTOP network would rank as the fifth largest commercial bank in the United States.

    About EJF Capital

    EJF Capital is a global alternative asset management firm headquartered outside of Washington, DC, with offices in London, England, and Shanghai, China. As of March 31, 2022, EJF manages approximately $5.1 billion in a diverse group of alternative asset strategies. EJF has around 80 employees, including a seasoned investment team of around 30 professionals with significant experience in banking, finance, fintech and real estate. The firm was founded in 2005 by Manny Friedman and Neal Wilson and has focused on event-driven regulatory investment themes since its inception.

    Disclaimer

    JAM FINTOP is a brand name. When referring to investment funds, JAM FINTOP refers to the joint venture between Jacobs Asset Management (JAM) and Nested Rails (d/b/a FINTOP Capital) as co-investment managers of these investment funds. JAM Special Opportunity Ventures, a subsidiary of JAM, is a member of the general partnerships of the JAM FINTOP investment funds.

    The JAM FINTOP Network refers to the underlying sponsors of the JAM FINTOP investment funds, as well as entities that have joined the network on a paid basis. Neither Jacobs Asset Management, JAM Special Opportunity Ventures nor FINTOP Capital provide investment advisory services to the JAM FINTOP Network.

    Jacobs Asset Management and JAM Special Opportunity Ventures are not affiliated with Nested Rails (d/b/a FINTOP Capital).

    Must-try French pastries to try in France

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    Embrace the good life, one bite at a time.

    Share this article

    Jnothing like that first crunch in the crispy outer layer of a freshly baked flaky croissant. Even devoured straight from a paper bag on the street, it’s a thing of beauty – and with pain au chocolat, France’s most iconic bread pastries. It’s also just the tip of the butter-soaked iceberg.

    Like the cuisine of the country, French pastries are deeply regional and traditional. Flour, sugar, eggs, butter and cocoa mingle in ever more elaborate creations depending on whether one approaches Bordeaux or Brest. Discovering them all is the work of a lifetime, a delicious journey from bakery to pastry, perhaps even ending up in your own kitchen.

    1. Thousand Leaves

    The mille-feuille is a masterpiece. The beauty of this pastry lies in its simplicity: three layers of crispy, golden puff pastry superimposed on two layers of pastry cream. Some bakers add a marbled fondant topping; others opt for a dusting of powdered sugar.

    Breaking the three layers is hard work, but it’s part of the experience. If your plate looks like a modern work of art gone wrong, you’ve done something right.

    2. Paris-Brest

    Forget crème brûlée and chocolate fondant. If there is one dessert that you will look for on the menu of a restaurant or in the best Parisian pastries, it is Paris-Brest.

    Invented by pastry chef Louis Durand to commemorate the Paris-Brest cycling race in 1910, the wheel-shaped dessert is choux pastry perfection. It’s decadent, sweet but not too sweet, and guaranteed to leave you in a trance-like state of satiety if you devour one yourself in one sitting.

    Inside the choux pastry wheel is the praline mousseline cream (pastry cream flavored with almonds and hazelnuts). It is topped with powdered sugar and toasted slivered almonds.

    3. Lemon meringue pie

    Lemon meringue pie by another name, lemon meringue pie is one of must-haves (essential) of French pastry. It’s also one of the few pies that looks its best when purchased in a large size to share, rather than in individual servings.

    The classic recipe couldn’t be simpler. It starts with a batter base that is loaded with a thick layer of lemon curd and then mounds of frothy Italian meringue. The higher the peaks the better, as they are torches for color and caramelization.

    4. Kouign-amann

    Until the 1500s, most regions of France were subject to a salt tax known as the tax, but the independent, salt-producing region of Brittany was exempt. The result? Local cuisine rich in salted butter and salted caramel.

    There’s no clearer embodiment of Bretons’ enduring love for all things sweet and savory than kouign-amann. Part cake and part pastry, made with thin layers of yeast dough rolled with butter and sugar (folded and rolled over and over again), it’s crispy and caramelized on the outside but sickeningly dense on the inside .

    Try to pick just one.

    5. Canelés

    Is Bordeaux more famous for its wine or for its canelés? Depending on who you ask, you could have a serious fight on your hands. But neither side would dispute that these rum and vanilla flavored cakes rightly deserve a place in the pantheon of French pastry.

    Canelés are still made in the same distinctive moulds, thin cylinders between two and three inches high with a small circular indent on top and grooves on the sides. The old-fashioned copper platters give them the best crispy outer shell and a moist, moist interior. Rum is added generously, but most French families happily give canelés to their children without hesitation. Connoisseurs know you can ask for them lightly, medium or well done.

    6. Mont-Blanc

    Mont-Blanc, named after the highest peak in France, appears in the windows of pastries at the beginning of autumn when the first chestnuts are harvested. Parisian teahouse Angelina claims to have invented the recipe, which sees a miniature “mountain” of meringue topped with whipped cream and a string-like veil of chestnut puree.

    In the best Mont-Blancs, the chestnut puree is only slightly sweet, making them as delicious as a dessert or with a cup of black tea in the afternoon.

    7. Opera

    If you like your chocolate bitter and your coffee full-bodied, the elegant Oblong Opera is the French pastry for you. Each very thin layer is tasty, starting with an almond Joconde sponge cake soaked in coffee syrup before being alternated with chocolate ganache and coffee buttercream.

    The last layer is always a smooth dark chocolate frosting. It never covers the sides of the opera, revealing the meticulously constructed strata and the precision of the pastry chef.

    8. Rum baba

    The rum baba was invented in the oldest pastry shop in Paris, Stohrerwhich opened in 1730. It is said that King Louis XV’s pastry chef and founder of Stohrer, Nicolas Stohrer, created this yeast-filled, rum-soaked cake for Stanislas Leszczynski, the former King of Poland and father of the wife of the King of France, Marie Leszczynska.

    What you need to know is that rum is to baba what ice cream is to apple pie. The more you add, the better. Order a rum baba for dessert at a restaurant and you’re often free to douse it liberally with alcohol yourself.

    The strawberry tartlet is a staple of the season.

    9. Strawberry Tartlet

    The arrival of summer in France is heralded by the first strawberries of the season. First the early gariguettes at the beginning of May, then other varieties such as the cleri. You know the season is really in full swing when cute little strawberry pies start decorating bakery windows and picnic blankets.

    There is no standardized recipe for a strawberry tartlet, but purists stick to a shortbread base, pastry cream filling and fresh strawberry filling. The secret to making the strawberries shine at the end is to brush them with a little melted jam.

    10. King cake

    You’ll need to visit France around the Catholic feast of Epiphany on January 6 for the chance to try a galette des rois or king’s cake. These puff pastry pies with frangipane are traditionally baked to mark the arrival of the three kings in Bethlehem after the birth of Jesus.

    The bakeries top each galette with a golden paper crown. Hidden inside is a lucky charm, known as bean. If you find it in your slice, you become king (or queen) for the day and the crown is yours.

    11. Brioche with pink pralines

    Aside from croissants, brioche is the only staple that appears on almost every French breakfast table. It comes in many forms: bouncy buns, round buns, even baguette-like baguettes sprinkled with chocolate chips. Generous amounts of egg and butter give the dough its characteristic richness.

    Perhaps the best and most distinctive of all its forms is the pink praline brioche, a Lyon specialty. Barbie pink pralines, crunchy sugar-coated almond candies, are added directly to the mix and hide like nuggets of gold amidst the fluffy layers of the brioche.

    12. Apple turnovers

    As with many recipes in France, even the humble apple turnover comes with a 400-year history, which is celebrated every year at the apple turnover party in the town of Saint-Calais in Pays de la Loire.

    Legend has it that during a famine, the local chatelaine (“mistress of the castle”) distributed flour and apples to the poor. This is how the first apple turnover was born. cinnamon before being enclosed in their golden puff pastry bag.

    13. Chouquettes

    If you’re invited to a morning coffee in France, don’t expect to be served beignets and an americano. You’re more likely to find yourself sipping espresso and munching on chouquettes, hollow bubbles of choux pastry topped with chunky crystals of pearl sugar that make such a satisfying crunch between your teeth.

    Chouquettes are about the cheapest pastries you can buy at a bakery – often sold in packets of 10 – but by far some of the most addictive.

    14. Macaroons

    No list of French pastries or a picnic under the Eiffel Tower is complete without the macaroon. Each candy color selection box may look the same, but not all macarons are created equal.

    For the best of the best, look for those made by pastry chefs with the prestigious title of Meilleur Ouvrier de France, like Jean-Paul Hévin in Paris. Whatever the flavor, when you bite into the macaron, the outer shell should be thin and crispy, quickly giving way to a dense, chewy center. You can’t go wrong with the classics: pistachio, chocolate, coffee, raspberry and vanilla.

    >> Next: Expert guide to cheese in Paris for traveling cheese lovers

    Rustproof tinplate material provides safe UV protection

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    image: A research team led by NIMS, Hokkaido University and Hiroshima University has successfully developed a white powder material that absorbs UV while reducing its harmful photocatalytic activities. This was achieved by mixing commercially available porous silica and a solution containing a mononuclear iron species ([Fe(H2O)6]3+). The team then mixed this powdered material with a natural oil to create a paste, evaluated its sunscreen performance and found it to be equivalent to TiO2 in performance and stability. Analysis conducted by Hokkaido University confirmed that the UV absorbing ability of the powder is attributed to the dinuclear iron species immobilized in the silica pores.
    see After

    Credit: Yusuke Ide National Institute of Materials Science [email protected]

    A research team consisting of NIMS, Hokkaido University and Hiroshima University has developed an ultraviolet (UV) absorbing powder material based on iron oxide by stabilizing iron species normally unstable, colorless, UV-absorbing dinuclears (iron atoms are shown as purple spheres in the figure below) in porous silica (silicon dioxide). If its performance can be further improved, this material may serve as a viable alternative to potentially carcinogenic titanium dioxide (TiO2), which has been widely used in cosmetics and sunscreens.

    TiO2 has been used in a wide variety of products in various applications (for example, as a white pigment, in UV protection (mainly by scattering and neutralizing UV radiation) and as a photocatalyst), including cosmetics, articles of all days, food products, medical products and building materials. However, the European Union classified this substance as a category 2 carcinogen in 2020, leading to a drop in its use and production and leading France to ban the use of food-grade TiO.2. Although Japan has not restricted the use of TiO2the development of alternatives is an important national issue given the size of Japanese TiO2 market.

    A dinuclear iron species is a type of iron oxide in which a pair of iron atoms are linked by ligands of water molecules or hydroxy groups. This species exhibits higher photocatalytic activity than TiO2 when absorbing UV rays. This ability separates it from other iron oxides that are used as red food coloring. Although dinuclear iron species are commonly found in enzymes and other proteins, they are unstable and difficult to synthesize. Their safe and stable use has long been a focus of research. This research team recently succeeded in stabilizing a dinuclear iron species by incorporating it into porous silica powder, thus preventing it from transforming into a higher order multinuclear iron species or crystallized iron oxide and by reducing its harmful photocatalytic activities. The resulting product is a white UV absorbing powder material. The team also prepared a sunscreen using this material as an active ingredient and found that its performance and stability were comparable to TiO.2 materials currently used in sunscreens.

    This research team has developed a procedure to synthesize the white powder material capable of absorbing and neutralizing UV radiation using ingredients that are safer than TiO2. This material can potentially be used to develop new cosmetics and sunscreens. Additionally, the microporous structure of silica, which is used to stabilize dinuclear iron species, can be modified to maximize photocatalytic activities of iron species. This approach can be applied to the development of photocatalysts that can be used in air purifiers and other technologies. The team will investigate this possibility.

    ***

    This project was carried out by a research team led by Yusuke Ide (Senior Researcher, International Center for Nanoarchitectural Materials, NIMS), Shinya Mine (Postdoctoral Researcher, Institute of Catalysis (ICAT), Hokkaido University (HU)), Takashi Toyao (Assistant Professor, ICAT, HU), Ken-ichi Shimizu (Professor, ICAT, HU) and Nao Tsunoji (Assistant Professor, Graduate School of Advanced Science and Engineering, Hiroshima University). This work was supported by the JSPS Grants for Scientific Research (Grant Number: 21H02034).


    Disclaimer: AAAS and EurekAlert! are not responsible for the accuracy of press releases posted on EurekAlert! by contributing institutions or for the use of any information through the EurekAlert system.

    Peterborough City Council sets 2023 budget guidelines

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    The city expects to be able to offer a draft 2023 budget plan for public review in early December before council approves it in January.

    The city council approved the budget guidelines during Monday evening meetings.

    Ratepayers could see a 3-4% increase next year, according to a summary of the town’s Monday night meeting.

    “Due to the uncertainty surrounding various fiscal pressures, such as fuel prices, insurance costs, and general inflationary impacts with the high level of inflation currently being experienced in the economy, the 2023 preliminary fiscal guidance presents a recommendation to set a target range. from 3% to 4% for the all-inclusive residential property tax increase (municipal, school, health) in 2023,” the summary states.

    “Fuel price increases alone are expected to add nearly $2 million in costs in 2023. General inflation costs are currently projected at $600,000 and insurance cost increases are expected to be $465,000. in 2023. Several other budget pressures are contemplated as the city begins to plan for 2023.”

    The increase would add $51 to $68 to the combined municipal, school, storm and sewer surcharge for every $100,000 of assessment.

    Water, waste water, storm water

    City Council approved the receipt, for information, of a presentation on the possibility of combining water, wastewater and stormwater service delivery, which would include a report to the new Council in 2023 with a change management plan that includes public consultation, the summary says.

    City staff recommended that the city provide water service directly, combining it with wastewater and stormwater service delivery to create savings in water service delivery. Water service is currently managed by the Peterborough Utilities Commission (PUC), while sewage and stormwater services are provided directly by the city.

    The Board agreed to receive a presentation from Peterborough Utilities for information. He was not in favor of pursuing next steps on the possibility of combining water services.

    A trend identified by municipal staff as part of the review is that many municipalities have moved to combined water and wastewater master plans, with some municipalities moving towards a “one water” approach.

    “A water is an integrated approach to water management that focuses on the complete cycle of water in all its forms (e.g. drinking water, wastewater, rainwater, surface water and groundwater) , rather than segmented drinking water planning, management and distribution. , sewage and stormwater systems,” the summary states.

    “Some of the benefits of an integrated approach to one or more waters are believed to include: increased opportunities for innovation, optimized use of existing infrastructure, reduced need to build new infrastructure, and reduced pressure on natural resources and financial.”

    A service delivery review included a review of the city’s existing water, wastewater and stormwater service delivery models and operations, identification of best management practices and current trends and future, the identification of alternative organizational approaches and a cost-benefit analysis of the current model in comparison with the alternatives.

    Peterborough Public Services

    City of Peterborough Holdings Inc. applied to the board on Monday evening for an equity investment of approximately $20 million for a confidential investment opportunity in a public company’s power plant portfolio.

    This would involve using proceeds from the city’s sale of Peterborough Distribution Inc.

    Councilors agreed to receive the presentation for information.

    The investment opportunity is expected to generate a return on investment in the range of 7-12%, the board said.

    The value of the investment opportunity is estimated between 70 and 90 million dollars. COPHI would arrange to fund the balance of the required funding beyond the city’s investment, the summary states.

    Peterborough Airport Master Plan

    The Board endorsed approval in principle of a new Peterborough Airport Master Plan for the next 15 years.

    The plan calls for capital costs of $80.9 million for infrastructure rehabilitation and reconstruction, service improvements, land acquisition, infrastructure expansion, development of passenger processing facilities and airport plans and studies.

    This could include expanding charter air service to vacation destinations and scheduled passenger service through a low-cost airline.

    Other priorities include expanding aviation services, including support for electric aircraft, aerospace research and education, more recreational aviation and other services.

    The airport’s economic impact on Gross Domestic Product (GDP) continues to grow from $41 million in 2009 to $90 million in 2022, representing annualized growth of approximately 9% per year, the advisers said.

    Receipt for information

    Council supported the receipt of an information report to provide an update on the Smart Signage Pilot Project on Lansdowne Street from Webber Avenue to Monaghan Road.

    The Lansdowne Street Smart Traffic Signal Pilot Project was implemented to determine the advantages and/or disadvantages of adaptive traffic signal control technologies over traditional time-of-day traffic signal control. daytime.

    Council also approved the receipt, for information, of a recommendation to extend the 24/7 overflow shelter service until March 31 at a cost of $267,000.

    The city’s emergency shelter network operates 104 accommodation beds in Brock Mission, Cameron House, YES Shelter for Youth and Families and the Wolfe Street Overflow Shelter.

    Debt Consolidation Loans Market Explore Development Share, Business Outlook, Regional Overview & Growth Opportunities By 2028 | Upstart, Lending Club, Prosper, OneMain Financial

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    There “debt consolidation loan marketThe research report provides a 360 degree overview of the market scenario, covering the dynamics affecting the competitive landscape of the industries. The report also provides data guesses identifying key challenges faced by businesses, covering market size, segment and region outlook, and supply and demand analysis. Moreover, the report infers the main trends observed along with an upstream and downstream assessment of the main participants, thus helping businesses to make more informed decisions. The information offered here is very useful in providing you with quick and efficient search results. Here are revenue forecasts to help you predict total product sales and company profitability.

    Get the full sample PDF of the report, please click: https://www.stratagemmarketinsights.com/sample/148742

    He advises large corporations on how to exploit their market position through tactics such as mergers and partnerships. This debt consolidation loan market research supports the development of a successful marketing plan, enabling businesses to make more informed decisions. The key players can make bigger gains by proficiently investing in the market as this report provides them with the best marketing strategies.

    Leading companies in the global debt consolidation loan market include:

    Upstart, Lending Club, Prosper, OneMain Financial, LightStream, Marcus of Goldman Sachs, Payoff, Discover

    Analysis and objectives of the report:

    The Debt Consolidation Loans Market report provides size estimates and forecasts in quantitative data with relevant qualitative insights. This report is a consolidation of primary and secondary research, which includes market size, share, dynamics, and forecasts for various segments and sub-segments considering macro and micro environmental factors. It contains past information, forecasts, demand projection and extensive justification of underlying assumptions and procedures. In addition, the report displays potential opportunities in the Debt Consolidation Loans market and also presents the effect of various hindering or stimulating elements in the analysis of the market.

    The most important types of debt consolidation loans covered in this report are:

    Credit card debt, overdrafts or loans, other

    Most widely used downstream areas of Debt Consolidation Loans market covered in this report are:

    Company, Private

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    Price always plays a crucial role in influencing buying decisions. Pricing analysis will help determine how companies value it against other competitors and substitute products. The global Debt Consolidation Loans Market is a research-intensive market driven by high R&D and strong product analysis that helps drive the growth over the analysis period 2022-2028.

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    ST

    The founders of Gabar explain how they created a perfume brand at the antipodes of the world

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    Gabar debuted in 2021 with three fragrances inspired by the natural landscape of Myanmar. It was developed by Phway Su Aye and Su Zar Wain Hnin, two former investment bankers, originally from Myanmar.

    “We wanted to introduce the world to Myanmar’s heritage and represent our culture. We thought perfume was actually the perfect way to do something like that,”says Ouch.

    Starting a brand without formal training in perfumery was hard enough, but the duo had to do it separately. On top of that, they had to work with a perfumer who couldn’t travel and experience their home country.

    Achieving this was a “testimony to the strength of the virtual era”,Aye said CosmeticDesign-Asia​. To help the perfumer better understand Myanmar, they sent him distinct objects of Burmese culture, such as the Thanaka.

    Thanaka is Myanmar’s ancient beauty secret, a pale yellow paste said to protect skin from sun damage, free radicals and prevent signs of aging. “For centuries, the people of the country have used it as a daily morning ritual, and it is very ingrained in our culture,”​Hnin explained.

    She also described the fragrance development process on the other side of the world. “It definitely took time and I’m thinking three different sampling cycles. I think it took three to four sampling cycles before we finally got to the perfect type of formulation for us and we were really, really excited about it.

    Despite the geographic challenges, Aye said the couple really enjoyed the whole process.

    “I think for us it was so natural. I think Suze and I loved the process of it all as it all unfolded. But I think a lot of people, maybe knowing what we were doing, might be confused or surprised that you’re launching a fragrance brand in the middle of the pandemic, and you have all these hurdles. How are you going to do it? But none of that has even struck us. I think that we were both consumed just doing that.

    For more from Phway, Susan, and Gabar, check out our podcast above, or on Spotify, Apple Podcasts, Google Podcasts, and more.

    Amazon Prime Day fitness tracker deals: Record low prices from Garmin, Fitbit and more

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    Amazon Prime Day has once again served up a veritable assortment of deals on fitness trackers, with huge savings to be had on wearables such as Garmin, Fitbit and Suunto. This is great news for anyone looking to invest in their health and keep tabs on their daily activity levels, heart rate, sleep patterns and more. Some high-end modern models can even store music and maps, making them an invaluable tool for runners and hikers.

    However, we realize that even a tracker with built-in GPS can’t help you navigate the sheer amount of Prime Day fitness tracker deals on offer. So we’ve made it easy to find your perfect laptop by putting together a list of the best deals below.

    As a reminder, Amazon Prime Day deals are only available to Prime members. If you haven’t created a Prime account yet (opens in a new tab), you can do it now to get access to discounts – there’s even a 30-day free trial for new members. Once logged in, you will be able to browse all Amazon Prime Day 2022 fitness and health deals (opens in a new tab).

    But if you’re specifically looking to grab one of the best fitness trackers (opens in a new tab) in sales, these are the ones you should look at.

    Some of the models below are currently at their lowest prices ever – but move fast if you want to take advantage of the prices, as they’ll likely only be around for a day or two.

    To find out more, see our Amazon Prime Day Health deals for 2022.

    Much Ado about Much Ado: Shakespeare Under the Stars in Morris Township

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    Don’t be fooled by the title.

    A lot of noise for nothingplaying away this month at Saint Elizabeth University in Morris Township is something.

    Lots of things, really.

    As with all Shakespeare, this romantic comedy can be enjoyed on many levels.

    On the surface, it’s a frothy adventure, an Elizabethan sitcom with a pair of lovers who overcome colossal chicanery and epic misunderstandings to reach (hopefully) Happily Ever After.

    Michael Stewart Allen, Christopher Zou and Henry Silberstein. Photo by Sarah Haley

    Very funny moments are ensured by a gang of nerdy cops led by Dogberry, a master of malaprops brilliantly played by Michael StewartAllena veteran of this New Jersey Shakespeare Theater company.

    The production even undermines laughs at the location of the Greek Amphitheater, in the flight path of Morristown Airport.

    Joking aside, A lot of noise questions about relationships and the recipe for true love.

    The young nobleman Claudio (Christian Frost) becomes enraptured by beauty and hero status (Fionna Robberson), and decides to marry the young girl without bothering to get to know her first.

    With no bonds of trust, Claudio is easily duped by scoundrels who smear Hero’s virtue, with near disastrous consequences.

    Benjamin Eakeley and Jesmille Darbouze. Photo by Sarah Haley

    Shakespeare contrasts this with Benedick and Beatrice, prototypes of Sam and Diana centuries later in Cheers.

    Benedick and Beatrice – famous performed by Kenneth Branagh and Emma Thompson in the 1993 film – insist that they are not the type to get married. Certainly not with each other.

    At Jesmille Darbouze fiery Beatrice delights in speaking ill of Benedick, a soldier with whom she has more than just a passing acquaintance. This only confirms Benedick’s belief in celibacy, blusteringly conveyed by the dashing Benjamin Eakeley.

    But their jousting belies a passion they realize thanks to tricks hatched by go-between friends.

    A common cause – to restore Hero’s honor – cements the bond they had, unknowingly, forged all along.

    Benedict and Beatrice. Claudio and Hero. Which couple has the best shot at marital bliss?

    Carolyne Leys, Fiona Robberson, Ellie Gossage, Jesmille Darbouze and Raphael Nash Thompson. Photo by Sarah Haley

    So there is this.

    This embodiment of A lot of noise for nothing can also be enjoyed as a party.

    A celebration of summer, a chance to make memories on a starry night, to warm yourself in the heart of winter.

    And 60 years of memories – including 20 summers outdoors – of New Jersey’s Shakespeare Theater, a star in our cultural firmament shining bright again after the pandemic cloud.

    And from a beginning. Eleanor Holdridge, who has directed two dozen Shakespeare plays, leads this 23-member cast in its first STNJ appearance.

    A lot of noise for nothing?

    Who knew a double wedding cake could have so many layers.

    A lot of noise for nothing by William Shakespeare, directed by Eleanor Holdridge, is presented by the Shakespeare Theater of New Jersey through July 31, 2022, at Saint Elizabeth’s University Greek Amphitheater, 2 Convent Road, Morris Township. Tickets: $30 to $45; 17 and under, free; 973-408-5600.

    Explained: Can green technology harm marine biodiversity?

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    A new study has flagged emerging threats that could have a major impact on marine biodiversity over the next 5-10 years.

    The study, published in the journal Nature Ecology and Evolution on July 7, also talks about the negative impacts of adopting green technologies that should not be ignored. A technique called “horizon scanning” was used by a team of 30 multidisciplinary experts to arrive at their conclusions.

    Impact of green technology

    With increased public pressure against marine plastic pollution, there has been an attempt to replace fossil fuel-based plastic with biodegradable polymers, such as “biodegradable plastic bags” made from plant starches. However, the researchers say these materials do not biodegrade under natural ocean conditions, and their widespread adoption can also cause marine litter. As their long-term impact on the environment remains unknown, they can lead to a whole new set of problems.

    Researchers say the growing demand for renewable energy technologies, such as lithium batteries for electric cars, also poses a potential threat to marine ecology.

    Deeper, more saline “brine pools” contain higher concentrations of lithium and could become future mining sites. The study reveals that these ecosystems are home to a variety of species, many of which are largely unknown. A growing demand for lithium electric vehicles could put these environments at risk.

    Other challenges

    Overfishing has already been recognized as an immediate problem, with the WTO calling for a ban on subsidies to those fishing overfished stocks, at its last ministerial conference on June 23.

    The authors foresee more fishing in deep waters, in order to meet growing global food security concerns.

    There are about 10 billion tons of small lantern fish in the mesopelagic zone (a depth of 200 m to 1,000 m), which are not fit for human consumption but can be sold as food to fish farms or used as fertilizer.

    However, large-scale harvesting of mesopelagic fish would cause immense environmental damage, as these species act as an ocean pump and remove carbon from the atmosphere.

    Horizon scan

    It is a technique that seeks to identify new but poorly understood issues that may have significant consequences over the next decade.

    The study researchers argue that this methodology is meant to “serve primarily as signposts, highlighting particular issues and providing support for researchers and practitioners to seek investment in these areas” before they don’t have a major impact.

    It is also an effective way to bring together experts from various fields to examine common problems and formulate more comprehensive solutions.

    The horizon scanning method has already been used to identify issues that are now known to have a universal environmental impact. A 2009 analysis gave an early warning of the danger that microplastics (tiny pieces of plastic debris less than 5mm) pose to marine environments. Since then, countries like the United States and the United Kingdom have banned cosmetics from containing microbeads.

    Mitsubishi Shipbuilding – GuruFocus.com

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    – AIP Acquired from ClassNK for Future Viability of Ammonia Fueled Carriers –

    – The new design will allow a small scale upgrade when ammonia fuel comes into practical application
    – Ammonia-carrying VLGCs now fueled with LPG are ideally suited for future use of ammonia fuel

    TOKYO, June 10, 2022 — (JCN Newswire) — Mitsubishi Shipbuilding Co., Ltd., part of Mitsubishi Heavy Industries (MHI) Group, has completed the design of a Very Large Gas Carrier (VLGC) originally powered by liquefied petroleum (LPG) but adaptable to the future use of ammonia as the main fuel(1). Approval in Principle (AIP)(2) for the design was acquired from the Japanese classification society ClassNK.

    Low_22060902MHI.jpg
    Image of an LPG fueled VLGC convertible to ammonia

    The conceptual design of an LPG-fueled VLGC allowing for future conversion to ammonia fuel was developed based on Mitsubishi Shipbuilding’s experience and expertise in building and delivering over 80 very large LPG carriers and general purpose gas carriers capable of carrying ammonia. Creating a design that allows conversion to ammonia fuel based on future needs should allow for relatively small-scale modernization of ships when the use of ammonia fuel becomes a viable option.

    Ammonia is expected to be widely used in the future as a stable and clean source of energy. Because it does not emit CO2 when burned, ammonia is attracting attention as a fuel that will contribute significantly to the reduction of greenhouse gas (GHG) emissions in industry maritime. Mitsubishi Shipbuilding’s newer VLGCs, in addition to using LPG fuel as an alternative to conventionally-spread heavy oil, can also carry ammonia as cargo. As such, the company’s VLGCs are ideally suited for future ammonia fuel use. In recent years, Mitsubishi Shipbuilding has conducted investigations into the potential use of ammonia in VLGCs as a means of achieving carbon neutrality in the global maritime industry by 2050, a goal jointly pursued by the public and private sectors. with the aim of reducing GHG emissions.

    As part of the energy transition strategy promoted by MHI Group, Mitsubishi Shipbuilding has implemented a growth strategy called “MARINE FUTURE STREAM”. The strategy focuses on two overarching goals: “the decarbonisation of the maritime economy” through the use of renewable energy and carbon recycling, and “a safe and secure future for society” through autonomous operation. and electrification. The company seeks to achieve this dual objective through the creation and application of marine innovations. Going forward, as a marine systems integrator, Mitsubishi Shipbuilding will continue to promote decarbonization in the maritime industry and devote its resources to achieving carbon neutrality, as a way to help reduce environmental loads globally. .

    (1) This target is in line with ClassNK’s “Guidelines for Vessels Using Alternative Fuels”, which outlines measures for alternative fuel safety requirements.
    (2) Approval in Principle (AIP) indicates that a certification body has reviewed the basic design of an item and confirmed that it meets the relevant technical requirements and safety standards. Mitsubishi Shipbuilding’s conceptual design inspection was carried out based on the IGC Code (International Code for the Construction and Equipment of Ships Carrying Liquefied Gases in Bulk) and ClassNK’s own ship classification regulations.

    About MHI Group

    Mitsubishi Heavy Industries (MHI) Group is one of the world’s leading industrial groups, spanning energy, smart infrastructure, industrial machinery, aerospace and defence. MHI Group combines cutting-edge technology with deep experience to deliver innovative integrated solutions that help achieve a carbon-neutral world, improve quality of life and ensure a safer world. For more information, please visit www.mhi.com or follow our insights and stories at spectra.mhi.com.

    Source: Mitsubishi Heavy Industries, Ltd.

    Copyright 2022 JCN Newswire. All rights reserved.

    How To Gain Muscle | Live Science

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    Have you ever wondered how to gain muscle? You’re not alone. Every day, thousands of people search for information they can use to build bigger muscles, improve their weightlifting performance, or simply look better in a t-shirt.

    However, information is only half the battle: it takes a lot of hard work and dedication, whether in the gym with full weight machines, at home with the best adjustable dumbbells. (opens in a new tab), or in the kitchen when preparing your meals. Gaining size and strength isn’t an easy task, but it’s worth it: whatever your gender, your ideal height or your fitness goal, a little extra muscle will only help . More muscle will improve your strength and fitness, help you increase your metabolism for weight loss, and even slow down the process of age-related muscle atrophy.

    Below we outline some of the most frequently asked questions about building muscle, including different ways to train, how much protein you really need to eat, and how often you should increase your weight.

    What are the different ways to train your muscles?

    Senior woman doing plank in gym class

    (Image credit: Getty)

    We’re not going to go into the individual exercises you can use to train different areas of your body (our home workout ideas (opens in a new tab) cover that), but we’re going to look at how to increase your muscle size, no matter what muscle group you’re focusing on.

    Question one: Whether you’re doing push-ups at home or weighted squats at the gym (check out our beginner’s guide to weightlifting if you want to take this approach), how many reps should you do to build muscle?

    Expert Strength Trainer and Personal Trainer, Rogan Allport (opens in a new tab), indicates that there are three types of strength qualities you can train for, and these will dictate the number of reps you do. Allport says, “There’s a max strength, the maximum amount you can lift, that you need to train from one to five reps. Then there’s hypertrophy, which occurs when you actively try to cause tissue to grow and develop. For this, you need to train in the range of 6-12 reps. Then there’s muscular endurance, which is basically 12-20+ reps.

    “Muscle can be built in all of these different rep ranges. However, optimally you should be working between six and eight, 10-12 or 12-20 reps. This is where you will spend the majority of your time building muscle.

    This is supported by research published in the journal Medicine and Science in Sports and Exercise (opens in a new tab)which states that “increasing gains are achieved with higher training volumes,” according to a study of resistance-trained men.

    What role does diet play in building muscle mass?

    Plate with chicken breast, salad and tabbouleh

    (Image credit: Getty)

    “Diet is actually the most important aspect when building muscle,” says Allport. “Unless you have the raw materials to build that muscle, training alone will never work.”

    Your body needs a balance of protein, fat, and carbs to function efficiently, but to gain muscle after training your body needs protein, which is a group of essential amino acids that act as the building blocks of muscle.

    Sources of dietary protein include animal products such as lean meat, fish, eggs, and dairy products. All meats can provide protein, but the higher quality unprocessed meat will always be better for you than processed foods like fried chicken or hamburgers, which are often loaded with salt, saturated fats and other fat-related substances. weight gain and diabetes.

    However, you don’t have to be a carnivore to get protein: beans, peas, nuts, seeds, oats, and soy products, like tofu, can also provide these acids. essential aminos, as well as the best protein powder. (opens in a new tab) supplements. But how much protein should you eat?

    “A really good guideline that I’ve used with my clients is one gram, or 0.8 grams, of protein per centimeter of body size,” Allport says. Eat too much protein and it has no other benefit than being satiating, allowing you to stay full longer according to a study published in Nutrition and Metabolism (opens in a new tab).

    Also, if you’re looking to gain weight by building muscle in a healthy and sustainable way, you need to make sure you’re in a calorie surplus, which means you’re consuming about 200-300 calories more than you take in. burn. . It shouldn’t be pure protein or just processed junk food to offset the calories, but good whole foods like vegetables and whole grains.

    How often should you increase your weights?

    Barbell on the floor of an empty gym

    (Image credit: Getty)

    Choosing the right weight for you is one of the biggest problems beginners have when trying to gain muscle. Too light and you don’t work hard enough, while too heavy and you train with improper form. So how do you know how much weight to lift?

    Allport says you should have a “rep range” in mind when training, like 8-10 reps. Pick a weight that you can lift for eight reps. When you can do them comfortably, with good form, you can go to nine reps, then 10. Once you can do 10, you know it’s time to increase the weight.

    “You have to gain more load on the bar, and the only way to gain that is through mastery and higher quality reps,” says Allport. Start with a light weight that you know you can lift comfortably, even if it’s just the barbell with no weight on it, and learn the moves with expert help if needed. Once you know how to perform the exercise safely, under control, you can start adding weight until you feel a strong resistance near the end of your set. Progressing slowly over time, eating well and recovering well with plenty of sleep, is the only way to gain muscle effectively.

    7 Ayurvedic face oils under Rs 899 from Amazon are on offer today

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    Ayurvedic facial oils are a magic potion that will seal your skincare routine with all the beneficial ingredients your face needs. It moisturizes, moisturizes and makes your face supple and soft. It also helps reduce redness and blemishes. Grab the best face oils from Amazon deals today at great prices. Use these oils as the last step in your skincare routine at night and before sunscreen during the day. This will allow them to act as a barrier and keep moisture well wrapped inside.

    Here are 7 Ayurvedic face oils from Amazon deals today:

    Scroll below to get your hands on brand name Ayurvedic face oils at discounted prices.

    1. Vasu Facial Beauty Oil

    This face oil is what you need to maintain the youthful appearance of your skin. It stimulates collagen synthesis, improves skin elasticity, revitalizes and also nourishes the skin. With Ayurvedic fragrance and healing properties, this is the best face oil your skin deserves.

    Price: Rs 439

    Buy now

    2. Auravedic Kumkumadi Oil

    Auravedic uses this knowledge to harness the cleansing and cosmetic properties of natural ingredients. This face oil makes the skin look radiant and glowing and also improves skin tone giving you clear and blemish free skin. Gently massage morning and evening onto clean skin using upward circular motions.

    ayurvedic_2.jpg

    Price: Rs 342

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    3. Kum Kumadi Tailam Oil

    Kumkumadi Tailam has been the Ayurvedic recipe and is an integral part of the traditional beauty regimen. It contains the exotic and premium herb “Saffron” along with the rich blend of renowned Ayurvedic herbs and several other natural ingredients treated with sesame oil and milk, to give youthful, healthy and radiant skin. .

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    Price: Rs 200

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    4. Inatur face oil

    Inatur Kumkumadi Oil is a facial beauty oil that improves skin texture, clarifies skin tone, controls acne, fights pigmentation, evens dark circles and eliminates blemishes. It has anti-irritant properties. It consists of 100% natural herbs and essential oils.

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    Price: Rs 359

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    5. Kumkumadi Tailam Blue Nectar

    It is an amazing concoction of herbs that act like a magic elixir for the skin. It contains 26 herbal quotients legendary for their ability to transform skin tone. It rejuvenates skin cells, brightens the complexion and is highly valued for its luminescent properties.

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    Price: Rs 825

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    6. Plum Grapeseed Facial Oil Blend

    The Grapeseed & Sea Buckthorn Facial Oil Blend works instantly to restore your natural glow and replenish lost nutrients so your skin glows like a diamond! This unique combination of 100% vegetable oils combats dryness of the skin and restores the natural health and radiance of the skin. Without the fat, we would expect an “oil”.

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    Price: Rs 642

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    7. Juicy Chemistry Face Oil

    A nourishing blend of antioxidant-rich oils, it helps support skin repair and promote healthier, glowing skin. This natural face oil is suitable for all skin types facing a dull and uneven complexion. Take 2-3 drops of oil on your clean palms. Gently massage in circular motions until completely absorbed.

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    Price: Rs 585

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    Today’s Amazon deals will help you grab these useful face oils at a lower price than ever before. Make them yours right away as the offers are only valid until tonight. These Ayurvedic facial oils will also be a great gift for your siblings or friends who love skincare.

    Disclaimer: The article contains sponsored links. Content is created by Pinkvilla.

    Recommended items:

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    Essential eye care under Rs 1999

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    What local bands to see at Pub in the Park

    Two weeks in Nashville

    Our guide to the best local talent performing at this year’s Pub in the Park…

    Two weeks in Nashville: July 8 evening session

    “Two Weeks in Nashville is made up of Billy LeRiff, Marc Deluca and Ian Wilson. We’ve been playing together for three years and our sound takes on the nostalgic bands of our childhood such as U2, Coldplay, Pulp, The Rolling Stones and The Killers, all in a modern palette. We’re also looking for current artists like Sam Fender and Inhaler. We came up with our band name after spending two weeks in Nashville. That trip really defined who we were in terms of songwriting and philosophy of our group, so it seemed only fair to reflect that in the name.

    @TwoWeeksInNashville

    www.twoweeksinnashville.com

    The Paul Dunton Orchestra

    The Paul Dunton Orchestra: July 10 afternoon session

    “I like to describe us as a unique cross-over orchestra offering an atmospheric fusion of alternative and pop with a classic twist. We take influences from many artists including Pink Floyd, Elbow, ELO, Turin Brakes, Massive Attack, Damien Rice and also some contemporary composers such as Samuel Barber, Ludovico Einaudi, John Barry and Hans Zimmerman.The Orchestra also performs some of my own original compositions.The line-up consists of 8 violins, 4 cellos, a guitar, a flute , bass and percussion with Paul on vocals and piano, Charlotte Andrew and Poppy Raine as lead vocals.

    @paulduntonorchestra

    www.paulduntonandguests.com

    The Charlie Rivers Band

    The Charlie Rivers Band: July 9 afternoon session

    “The Charlie Rivers band started in late 2008, and we’ve been through a lot of different releases and lineups between then and now. Our current band is a five piece acoustic rock band and includes band founder Charlie Rivers on vocals and guitar, Ashley Rushman on drums, Dalma Gebe on fiddle, Steve Mealing on bass and Wayne Brummer on guitar . American and country bands strongly influence us but we play a very wide variety of styles. Some of our influences include Dave Matthews Band, John Mayer, Pearl Jam, Coldplay and Luke Coombs.

    @thecharlieriversband

    www.thecharlieriversband.com

    Sun Charmer Ⓒ Grim Valentine Freelance

    Sun Charmer: July 9 evening session

    “We are an indie rock band made up of four musicians, Paul Crisp (vocals/guitar), Josh Brice (guitar), Sam Dann (bass) and Jasper Morris (drums). We’ve been writing and performing our own material since we came together on a lonely Valentine’s Day in 2016. Our sound combines influences from music and film to create a vibrant mix of modern indie injected with riff-rock and of 70s surf music. Some of our main influences include The Arctic Monkeys, Royal Blood, David Bowie, Led Zeppelin and T. Rex.

    @suncharmerband

    www.suncharmerband.co.uk

    What’s Driving Electronic Arts Stock Growth?

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    After an 8% year-to-date decline, at current levels, we believe Electronic Arts Stock (NYSE: EA) looks undervalued. EA stock has fallen from around $135 in early January to under $125 now. The 8% year-to-date drop for EA is much better than the -20% returns for the broader S&P500 index.

    Looking further ahead, EA stock is up 58% from levels seen at the end of 2018. This marks an underperformance against some of its peers, with Microsoft share increasing by more than 2.5x and Action Activision Blizzard up 67%. The S&P500 index rose 55% during this period.

    This 58% rise in EA shares since the end of 2018 was driven by: 1. Electronic Arts Revenuewhich grew 41% to $7.0 billion in the last twelve months from $5.0 billion in 2018, 2. the company’s P/S ratio, which increased 14% to 5.1x trailing revenue, from 4.5x in 2018, and 3. a 6% drop in its total shares outstanding to 285 million currently. This means the company’s revenue per share increased 50% to $24.55 today from $16.32 in 2018. Our interactive dashboard, Why was the Electronic Arts stock moved?has more details.

    electronic arts
    EA
    , in line with other game companies, has benefited from increased levels of user engagement during the pandemic due to shelter-in-place restrictions, which has led people to avoid more public forms of entertainment . The company saw a higher contribution from its live service offerings for its games. FIFA and Apex Legends continue to see strong demand for the company. This trend is also expected to continue. FIFA is the company’s biggest game, and with the FIFA World Cup taking place later this year, Electronic Arts will likely see strong demand for its FIFA games over the coming quarters. The company has a strong pipeline with more sports games slated for release over the next few years.

    Electronic Arts made a wave of acquisitions with Playdemic, Codemasters, Metalhead Software and Glu Mobile
    GLUU
    acquisitions announced last year. This should support its revenue growth in the years to come. That said, Electronic Arts isn’t alone in eyeing other gamers, the gaming industry is seeing some consolidation with Microsoft.
    MSFT
    being acquired from Activision Blizzard
    ATVI
    , the company behind the Call of Duty franchise, and Take-Two Interactive is buying mobile games company Zynga. There is also growing competition from metaverse mobile game company, Roblox.

    Electronic Arts has a debt of only 2 billion dollars, while its liquidities exceed 3 billion dollars. It increased its adjusted net margins to 29% in fiscal 2022 from 26% in 2018. It also spent $5 billion on stock buybacks between 2018 and 2022, driving its stock down 6%. . Overall, the company appears to be on a solid growth trajectory with expanding margins and healthy finances.

    Although Electronic Arts appears to have a good outlook, it is facing headwinds due to the current weakness in broader markets. The S&P500 has now entered bear market territory with mounting concerns about slowing economic growth given high inflation, Fed action and supply chain disruptions. These factors may also impact the performance of EA shares.

    However, we find EA stock to be currently undervalued and estimate Valuation of Electronic Arts at $155 per share, reflecting a 25% upside from its current market price of $124, implying that investors are likely better off buying EA stock during the recent decline for solid long-term gains term. At its current levels, EA stock is trading at just 17 times forward adjusted earnings, compared to the past three-year average of 22 times, making the stock attractive from a valuation perspective.

    Although EA’s stock looks undervalued, it’s worth seeing how Electronic Arts Peers price on the measures that matter. You will find other useful comparisons for companies in all sectors on Peer comparisons.

    In addition, the Covid-19 crisis has created many price discontinuities which can provide interesting trading opportunities. For example, you’ll be surprised how counter-intuitive stock valuation is to Activision Blizzard vs. Gilead Sciences

    BROWN
    .

    With rising inflation and higher Fed interest rates, among other factors, Electronic Arts stock has fallen 8% this year. Can it fall more? See how far can Electronic Arts stock go comparing its decline to previous stock market crashes. here is a summary of the performance of all stocks during previous stock market crashes.

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    Debt Consolidation Market Will See Amazing Growth By 2031 – Designer Women

    0

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

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

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

    Access a sample report – marketreports.info/sample/71072/Debt-Consolidation

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

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

    Segmentation by Product TypeCredit Card DebtStudent Loan DebtMedical BillApartment LeasesIndustrial SegmentationBusinessIndividual

    What sets Market Reports apart from the rest?

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

    Check Instant Discount- marketreports.info/discount/71072/Debt-Consolidation

    Evaluate: It is a reality.

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

    Visualize: The authors participating in the research activities have created a visual representation of the post-COVID-19 era to help key debt consolidation stakeholders better understand the situation and take action to ensure continued development in the during the forecast period.

    Overcome: the study examines the points which can prove to be the Achilles heel of debt consolidations and helps in the development of strategies to overcome the obstacles which can hinder the Debt consolidation progress.

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

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

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

    Regional outlook:

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

    – North America (USA and Canada)

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

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

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

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

    Buy the full report @ marketreports.info/checkout?buynow=71072/Debt-Consolidation

    About Us:

    Market Reports offers a comprehensive database of syndicated research studies, custom reports, and consulting services. These reports are created to help make smart, instant and crucial decisions based on detailed and in-depth quantitative information, supported by in-depth analysis and industry insights.

    Our dedicated in-house team ensures that reports meet client requirements. We aim to provide valuable service to our customers. Our reports are based on extensive industry coverage and ensure that we focus on the specific needs of our clients. The main idea is to enable our customers to make an informed decision, keeping them and ourselves informed of the latest market trends.

    Contact us:

    Carl Allison (Business Development Manager)

    Market reports

    phone: +44 141 628 5998

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    US Commercial Lawn Mower Market Report 2022-2027:

    Dublin, 06 July 2022 (GLOBE NEWSWIRE) — The report “US Commercial Lawn Mower Market – Comprehensive Study and Strategic Analysis 2022-2027” has been added to from ResearchAndMarkets.com offer.

    The following factors are likely to contribute to the growth of the US commercial lawn mower market during the forecast period:

    • Growing demand from golf courses
    • Growth in manufacturing-led programs and initiatives
    • Growth of the landscaping industry
    • Growth in commercial construction

    Key players

    • Deere & Company
    • Honda
    • Husqvarna Group
    • Kubota Company
    • BAT products
    • Robert Bosch
    • STIGA Group
    • The Toro Company

    MARKET OUTLOOK
    The US government is increasingly taking the initiative to address harmful emissions and noise levels generated by gas-powered lawn mowers; as a result, in October 2021, the California government signed a bill to ban gas-powered lawn equipment, including leaf blowers and lawn mowers, by 2024.

    Hence, such moves are expected to hamper the demand for gasoline powered commercial lawn mowers in the US market. However, the decline in demand for gas-powered lawn mowers may be overcome by corded and cordless electric lawn mowers due to the growing emphasis on sustainable living practices across the country.

    Over the past two years, the frequency and severity of droughts have increased in the United States. Droughts largely hamper market demand due to the restriction of water use which reduces the area and maintenance of lawns. In the western United States, many cities such as Las Vegas and many cities in California offer incentives to xeriscape their lawns and impose fines for not following watering schedules. Hence, these factors are expected to hamper the commercial lawn mower market.

    Government initiatives to expand green spaces:

    • The California government is focused on expanding outdoor spaces by investing in improving public parks. In 2022, local and state leaders in California granted nearly $15 million in discoveries for the expansion of outdoor facilities.
    • The Washington government has launched the Community Parks and Playground program, under which it provides funds to restore and expand parks and green spaces throughout the state.
    • The Minnesota government launched the Outdoor Recreation Grant Program to develop and redevelop local recreation areas and parks.

    U.S. Commercial Lawn Mower Market Trends and Opportunities
    Integrating lawn mowers with technology

    • Integrating lawn mowers with technology improves convenience and maximizes productivity with minimal effort.
    • Lawn mowers equipped with Wi-Fi, Bluetooth and cellular circuitry allow users to operate the mowers remotely via smartphones.
    • Different sensing technologies such as anti-theft systems, obstacle identification and weather sensors are being integrated into lawn mowers which is expected to provide substantial growth opportunities for commercial lawn mowers in the market.

    Development of smart cities

    • The development of smart cities is gaining momentum in various US states. Therefore, government agencies are taking initiatives to develop smart cities to enhance sustainability and achieve operational efficiency.
    • Energy conservation, efficiency, and meeting pollution standards remain key focus areas for smart city initiatives. As a result, the demand for battery-powered lawn mowers is increasing dramatically as they consume less power.

    The growing popularity of robotic lawn mowers

    • The market for commercial robotic lawn mowers is growing exponentially owing to the increasing demand for convenience, effectiveness and efficiency among various end users.
    • Mowing large commercial facilities with an expansive area requires a lot of individual time and becomes tedious, thus providing significant growth opportunities for robotic technology in the commercial sector.
    • The rising cost of labor in the United States encourages the adoption of autonomous technologies to minimize long-term expenses.

    SECTOR REVIEW

    Segmentation by products

    • Ride-on mowers
    • standard carrier
    • Zero-turn
    • lawn tractors
    • Garden tractors
    • Walk-Behind Mowers
    • Self-propelled
    • To push
    • Float
    • Robotic mowers

    Segmentation by fuel type

    • Gasoline
    • Propane fueled
    • Wired electric
    • Cordless Electric

    Segmentation by end user

    • Professional landscaping services
    • Golf courses and other sports arenas
    • Government and others

    Segmentation by reader type

    Segmentation by startup type

    • Start key
    • Push Start
    • Beginning of recoil

    Segmentation by blade type

    • Standard
    • Mulching
    • Lifting
    • Cylinder

    Segmentation by distribution channel

    GEOGRAPHICAL OUTLOOK
    US South: In 2021, the South region dominated the US commercial lawn mower market owing to large population, large number of golf courses, and high penetration of logging companies. landscaping.

    Western United States: Western United States is witnessing the highest growth rate with a CAGR of 5.36% (in value) and 4.62% (in volume) during the forecast period due to the increasing migration of people to the area and increasing disposable income which is likely to drive household demand for landscaping services.

    Main topics covered:

    1 Research methodology

    2 research objectives

    3 Research process

    4 Scope and coverage

    5 Report assumptions and caveats
    5.1 Main caveats
    5.2 Currency conversion
    5.3 Market Derivation

    6 The market at a glance

    7 Presentation

    8 Market Opportunities and Trends
    8.1 Integration of lawn mowers with technology
    8.2 Development of smart cities
    8.3 Growing influx of alternative fuel options
    8.4 Growing Demand for Robotic Lawn Mowers
    8.5 Development of lithium-ion batteries

    9 Market Growth Catalysts
    9.1 Growing Demand from Golf Courses
    9.2 Growth of Manufacturing Led Programs and Initiatives
    9.3 Growth of the Landscaping Industry
    9.4 Commercial Construction Growth

    10 Market Restrictions
    10.1 Increased use of artificial grass
    10.2 Commodity price volatility
    10.3 Increase in Pollution Caused by Gas-Powered Commercial Lawn Mowers

    11 Market landscape

    12 Product

    13 Walk-Behind Mower

    14 Riding mower

    15 types of fuel

    16 End user

    17 Reader type

    18 Type of start

    19 types of blade

    20. Distribution Channel

    21. Region

    22. South

    23. West

    24. Midwest

    25. Northeast

    26. Competitive Landscape

    For more information about this report visit https://www.researchandmarkets.com/r/jn6uzb

    
            

    What is debt consolidation and how does it work?

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    Debt Consolidation Loan Application
    If your debts continue to climb, you may want to consider debt consolidation to help you get everything under control.

    /Getty Pictures


    If you’re in mounting debt, you’re probably not alone. According recent data from Experian, Americans had an average debt balance of $96,371 in 2021, a 3.9% spike from a year earlier. This figure includes credit card debt, loans and other types of debt.

    If you feel overwhelmed with debt, now is the time to take steps to pay it off quickly. There are several online tools that can help you get back on track in a timely manner.

    One method is debt consolidation, which allows you to combine multiple debt balances into one account, ideally with a lower interest rate. This way, you can potentially save money on interest, lower your monthly payments, and pay off your debt faster.

    Let’s take a closer look at debt consolidation, how it works and how it can help you save money.

    What is debt consolidation?

    Debt consolidation offers a simple way to tackle debt by consolidating multiple debt accounts into one account, usually a consolidation loan. You can consolidate student loans, credit card debt, unsecured personal loans and other accounts.

    To learn more about debt consolidation loans, go to an online marketplace to compare the loan options available to you and determine which one suits your needs.

    Not sure if debt consolidation is right for you? Here is a breakdown of the different reasons you might consider consolidating your debt:

    • Simply your finances: The average cardholder has four credit cards, according to Debt.org. Debt consolidation makes it easier to manage your finances by replacing multiple debt accounts with one account, interest rate and monthly payment.

    • Lower your interest rate: Federal Reserve data shows that the average credit card interest rate in 2022 is around 16%, however, cardholders with high debt could pay 20% to 30 % interest or more. In contrast, interest on a debt consolidation loan ranges between 6% and 20% depending on your credit, reports Debt.org. With a reliable income and a good credit score, you may qualify for a consolidation loan with a reduced interest rate, which could lower your monthly payment and shorten your repayment time.

    • Accelerate your repayment schedule: If you qualify, debt consolidation could lower your interest rates while potentially cutting your repayment schedule by several months.

    If you’re not sure what range in which your credit score falls, consider filling out an online form – after all, a good or excellent credit score can make a significant difference to you financially. If you are stuck in the mediocre or acceptable range, there is some steps you can take to improve your score.

    How does debt consolidation work?

    Typically, when you consolidate your debt, you get one big loan that covers all of your combined debt from your other loans and your credit card debt. As a result, you only have to make one payment instead of several. Sounds simple, right?

    Keep in mind that debt consolidation loans may come with higher interest rates, additional fees, and longer repayment terms. Before signing up for a debt consolidation loan, review the terms of the loan to make sure you’ll save money in the long run.

    Getting a debt consolidation loan usually involves the following steps:

    1. Shop around with multiple lenders to ensure you get the lowest interest rate possible.

    2. Complete a loan application.

    3. Provide any additional documents requested by the lender to verify your income, bank accounts, and other information.

    4. The lender will assess your application, credit report and supporting documents.

    5. The lender will approve or reject your loan application.

    6. If approved, the lender can pay off your debts for you. Sometimes the lender can fund your bank account or give you a line of credit and you pay off your accounts yourself.

    Common Types of Debt Consolidation

    While there are many ways to consolidate your debt, the most common is to take out a debt consolidation loan to pay off your balances or use a balance transfer credit card.

    debt consolidation loan

    A debt consolidation loan is a fixed rate installment loan where you repay the loan in monthly installments over a fixed term. To qualify for a debt consolidation loan, you must have a stable income and at least decent credit. To obtain the lowest interest rate, a credit score of 740 and above may be required.

    Balance transfer credit card

    With good credit, you may qualify for a balance transfer credit card offering a 0% interest introductory period ranging from 12 to 21 months, Experience Ratings. You can transfer all your debts to this card and pay off your balance during the introductory period without interest.

    Remember, however, that once the introductory period expires, the annual percentage rate (APR) applies. Also keep in mind that these credit cards come with a balance transfer fee, usually ranging from 3% to 5% of the transfer amount with a minimum fee of $5. If you only have a small amount of debt to transfer, your savings may not exceed the balance transfer fee.

    Debt Consolidation Loan Alternatives

    Although debt consolidation loans and balance transfer credit cards are commonly used to combat debt, other consolidation options are available, each with varying degrees of risk to consider.

    • Personal loan: Unlike debt consolidation loans, whose primary function is to pay off your debt, personal loans are not tied to a single goal. You can use the funds from a personal loan for a variety of reasons.

    • Home Equity Loans: If you have enough equity in your home, you can access that equity to pay off your debt through a home equity loan or home equity line of credit (HELOC). Home equity loans generally offer lower interest rates than other options, but that’s likely because your home serves as collateral on the loan. A home equity loan is risky because if you fail to repay the loan, you could lose your home.

    • 401(k) loan: It can be tempting to withdraw funds from your retirement plan – mainly because you probably won’t have to pass a credit check – but it could be considered an early withdrawal and lead to taxes and penalties. A 401(k) loan may be a better option as you can avoid the tax penalty. Consult with your plan administrator before withdrawing money from your pension plan or contact a financial advisor for advice.

    • Debt management plan: You can set up a debt management plan by working with a nonprofit credit counseling agency. In this case, a credit counselor contacts your credit card companies and tries to negotiate lower interest rates and monthly payments, usually three to five years.

    • Debt settlement plan: You should only consider a debt settlement plan as a last resort. A debt settlement plan is different from a debt consolidation loan because a debt relief company negotiates with your creditors to reduce your debts to less than what you owe, rather than transferring your debts on one account. These companies often charge high fees for their service. Debt settlement plans are risky because they can seriously damage your credit and you may have to pay taxes since any forgiven debt is considered taxable income.

    Debt consolidation can make sense if it helps simplify your finances and comes with a lower interest rate that can save you money. Remember to review the interest rate, terms and fees before accepting any loan or credit solution.

    Psoriasis Home Treatment: Lifestyle, Remedies, Myths

    Psoriasis is a medical condition involving a scaly rash that appears in patches or small scaly bumps covering a larger area. It is an immune-mediated disease in which the immune system attacks healthy cells instead of unhealthy cells, causing inflammation. The cause of psoriasis is unclear, but treatment options are available.

    Medical treatments have been effective in treating psoriasis, but many people are unhappy with these options. Natural remedies such as beeswax and aloe vera have proven effective in some people with the disease.

    Learn about psoriasis, home remedies, lifestyle changes, all-natural treatments that don’t work, and more.

    Lea Paterson/Getty Images


    Psoriasis is chronic, but controllable

    Psoriasis is a chronic disease, which means it lasts a long time. Symptoms tend to come and go in remission stages with very minimal or no symptoms and relapse stages with more severe symptoms.

    There are things people with psoriasis can do to help control symptoms and prevent relapses. However, this condition can also lead to complications.

    Secondary complications

    There are possible secondary complications associated with psoriasis. For example, people with psoriasis are at an increased risk of developing cardiovascular disease (CVD).

    Additionally, like other long-term health issues, many people with psoriasis experience mental health issues such as anxiety, depression, and trouble sleeping.

    Psoriasis can lead to and be accompanied by other health complications such as:

    Definition of comorbidity

    Comorbidity is when the same person suffers from two or more medical conditions simultaneously.

    There are things that can be done, both medically and at home, to help control psoriasis symptoms and prevent further complications. A health care provider, such as a primary care provider or a specialist who treats psoriasis called a dermatologist, can help determine the best options for each person.

    home remedies

    Home remedies can treat psoriasis, especially mild to moderate cases, or as a first treatment before trying medical options.

    Home remedies for psoriasis include:

    • Apitherapy is a treatment with bee products such as honey or propolis (a bee product that comes from plants and trees). A mixture of propolis and aloe vera gel, a substance that comes from an aloe vera plant, has been shown to be effective in treating psoriasis.
    • coal tar is a thick liquid used on the skin to treat psoriasis and has been shown to be effective.
    • Creams, lotions and moisturizers can help moisturize and protect the skin, which can be soothing for discomfort and healing.
    • Hot oil baths are another way to moisturize and protect the skin while soothing itching.
    • Combination skin routines which include cleansing the area with soap, moisturizing with cream or lotion, and oil baths may be effective enough to be used alone or as part of a treatment plan in addition to others options.
    • Curcumin is in turmeric and has been shown to be effective in the treatment of psoriasis. It is available as a spice to use with food and as a supplement.
    • chamomile oil applied to the skin has been shown to improve psoriasis.

    Lifestyle changes

    Along with home remedies, lifestyle and behavior changes can help manage psoriasis symptoms and prevent relapses.

    • Stress relief: Stress can make psoriasis worse and regular stress relief can help manage symptoms.
    • weight management: Eating a low-calorie diet and maintaining a healthy weight have been shown to improve psoriasis.
    • Nutrition: Certain foods, including processed foods, sugary foods, dairy products, and gluten, can make psoriasis worse in some people, so it may help to avoid these possible triggers.
    • Exercise: Physical activity, particularly vigorous physical activity, has been associated with reduced symptoms of psoriasis.
    • Smoking: Smoking can make psoriasis worse, and quitting smoking can improve symptoms, as well as other health problems that can accompany psoriasis.
    • Alcohol: Drinking alcohol can increase inflammation and make psoriasis worse, and limiting alcohol or not drinking at all can improve symptoms.

    Myths about treatment

    One of the biggest myths about treating psoriasis is that it can be cured. Unfortunately, although there are treatments to manage the disease and relieve symptoms, there is no cure for psoriasis.

    Some natural methods for treating psoriasis are effective, but not all are backed by scientific evidence. Treatment options may help relieve symptoms in some people, but their effectiveness is unclear because they have not been studied, or studies of treatments do not clearly show whether they are effective.

    Some options for psoriasis that may not work include:

    • aloe vera: This treatment option may help some people relieve symptoms, but studies have shown mixed results.
    • Natural sunlight: Spending time outdoors to take advantage of natural sunlight can be beneficial for psoriasis, but prescription phototherapy usually works best.
    • Tea tree oil (melaleuca oil): This oil is used to treat psoriasis, but no studies show that this option is effective.

    Triggers to avoid

    The specific causes of psoriasis are unclear. However, certain things can trigger relapses and lead to symptoms or make them worse. For example, stress is a trigger for up to 88% of people with the disease.

    Psoriasis triggers

    • Allergies (food, environmental)
    • drinking alcohol
    • Infection
    • skin injury
    • Skin irritation
    • Medications
    • Sleep loss
    • Smoking
    • Stress
    • Weather (cold or dry)

    Why All Natural May Not Work

    One of the main reasons why an all-natural treatment protocol may not work for psoriasis is the severity of the disease. Some people experience mild to moderate symptoms that natural options mostly or completely control, while others experience more severe symptoms that require medical treatment for adequate relief.

    Natural remedies can be ineffective if you don’t know how to use them to get the full benefits or if you have trouble following through. For example, the use of soaps, creams and hot baths with oils may require a specific routine with different daily steps. Results may be limited if these steps are not known or followed correctly.

    Possible interactions between supplements and medications

    Some treatment options, including home remedies and over-the-counter supplements, may interact with medications or other treatment options and cause side effects. For example, certain drugs or remedies applied to the skin, such as coal tar with phototherapy, which may increase the risk of sunburn, should only be used under the supervision of a healthcare professional.

    Consult a health care provider

    When considering treatment options for psoriasis, it’s important to speak with a healthcare provider, such as a primary care provider or dermatologist.

    Medicines for moderate to severe psoriasis

    When psoriasis symptoms are moderate to severe, natural treatment options may not be enough. Medicines are available. These treatments can be used alone or in addition to natural treatment options.

    Medical treatment options for psoriasis include:

    • Topical corticosteroids: Creams or ointments with medication to decrease inflammation and relieve itching
    • Calcineurin inhibitors: Creams or ointments with medication to calm the immune system and decrease inflammation
    • Dithranol (anthralin): Medicine applied to the skin to slow the production of skin cells
    • Phototherapy: Ultraviolet light used to slow the production of skin cells
    • Trexall (methotrexate): Medicine taken by mouth to reduce swelling and slow the production of skin cells
    • Gengraf (ciclosporin): Medicine taken by mouth to calm the immune system
    • Soriatane (acitretin): Medicine taken by mouth to slow the production of skin cells
    • Biological treatments: Medicines given by injection to calm the immune system by targeting overactive cells

    Summary

    Psoriasis is a skin condition that occurs when the immune system attacks healthy cells instead of unhealthy cells, resulting in an itchy rash that can interfere with daily life. Although this is a lifelong condition, symptoms can be managed with medical treatments, home remedies, lifestyle behavior changes, or a combination of these options, depending on the severity of the condition. ‘affection.

    A word from Verywell

    Living with psoriasis can be difficult, especially when the symptoms are uncomfortable and severe enough to interfere with daily life. If you or someone you know is experiencing this condition, help is available. There are effective treatment options for psoriasis, including medical interventions, home remedies, and lifestyle changes. Contact a health care provider for help.

    Frequently Asked Questions

    • Is it possible to permanently cure psoriasis?

      There is currently no permanent cure available for psoriasis. However, treatment options are available to help manage the condition and relieve symptoms. This doesn’t mean the medication will be needed forever, and some people find it gets better over time.

    • Can you control psoriasis by boosting your immune system?

      Psoriasis occurs when the immune system attacks healthy cells instead of diseased cells. Making lifestyle changes to improve health and support the immune system can help manage psoriasis and control symptoms.

    • What is a good self-care routine for psoriasis?

      A good routine for psoriasis involves managing symptoms and improving overall health. Strategies to achieve this may include avoiding alcohol, nicotine and other substances, getting enough sleep, walking in the sun, eating a balanced diet without foods that may trigger symptoms, using skin care products appropriate skin and manage stress throughout the day.

    Fennel Infused Italian Sausage Pasta from Club Sup’s Sophie McIntyre

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    When Sophie McIntyre created Club Sup in March 2021, it was a way to bring people together. “Coming out of the 2020 lockdowns, everyone was very lonely and really out of place in their relationships and friendships,” says McIntyre. “I started hosting dinner parties and bringing in strangers. I would cook for everyone and we would have big plates to share and everyone would get to know each other.

    For McIntyre, cooking and sharing food creates a comfort hard to find elsewhere. “I used to make a lot of schnitzels and tasty, filling things that have a lot of nostalgia for them,” McIntyre says. “Things that feel like you would have them at home or your mom would cook them for you.” It’s the same approach McIntyre took with this pasta recipe, which has gone from a childhood favorite to a Friday night dinner. “It’s an old Jamie Oliver pasta recipe, but it’s kind of been adapted,” says McIntyre. “My mom used to make it for me when I was a kid and over the years I tweaked it to make it tastier and more hearty.”

    McIntyre’s philosophy is that with a few ingredients on hand (and a few extras ordered from DoorDash if you need them), a hearty meal is never just minutes away. “There always has to be Parmesan,” says McIntyre. “I’m thinking of a jar of anchovies and good bread. And pasta, of course. You can do so much with pasta and a punnet of tomatoes or a can.

    McIntyre’s version of the recipe includes a simple but often overlooked shortcut to flavor: fennel seeds. “There aren’t many recipes I use in life that use fennel seed all the time, and I just think it’s such a great flavor,” McIntyre says. Fennel flavors are also found in Italian sausage.

    The beauty of this dish is that whatever style of pasta you have on hand, it will work. “I used to do it with spirals, but recently I’ve loved it with rigatoni because I feel like it’s the tastiest,” McIntyre says. “It scoops up the most sauce and I love how the sausage works its way into the rigatoni.”

    Sophie McIntyre’s Italian Sausage Pasta
    For 4 people Preparation time: 10 min Cooking time: 30 min

    Ingredients:
    4 pork and fennel sausages
    100g of butter
    ¼ cup chicken broth
    1 tablespoon of fennel seeds
    1 tablespoon dried oregano
    1 teaspoon dried chilli
    Salt
    Pepper
    Oil
    500g pasta
    ½ cup of white wine
    150g of parmesan

    Method:
    Heat a pan of salted water. While it is boiling, remove the sausages from the casings and break them up with your hands.

    Add the oil to the pan and fry the sausage, breaking it up with a wooden spoon. While frying, crush the fennel, oregano and chilli in a pestle and mortar.

    Add pasta to boiling water.

    When the sausage is browned, add the white wine, scraping up any bits from the bottom of the pan. Reduce until everything is dry. Add chicken broth and spices. Reduce the chicken broth by half. Turn off the pan, wait until the pasta is al dente. Drain the pasta, reserving a cup of cooking water.

    Return sausage to medium heat. Add water and butter and stir for a few minutes. Add pasta and toss to coat. Add more butter if needed.

    Remove from the pan and place on a platter and grate the parmesan all over before serving.

    This article is produced by Broadsheet in partnership with DoorDash.

    Minecraft Potion Brewing still has plenty of room to grow

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    Part of what makes craftsmanship part of Minecraft the variety of systems players can interact with to create or enhance their items is so appealing. From the start of the game, players must craft themselves a crafting table to obtain their most basic tools, and eventually player bases will be filled with enchanting tables, anvils, grinding stones, and other useful blocks. Major Minecraft updates usually introduce at least one major new crafting recipe or use for one of these blocks, even if it’s just the standard crafting table, but not all systems get frequently updates. Minecraft brewing stands have been lagging behind lately, for example.

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    The last time Brewing Stands got new potions was in Minecraft Java Edition 1.13, also known as Update Aquatic. Since this patch, players have been able to craft Slowfall Potions and Turtle Master Potions, which are two of the most unique buffs players can get from a potion. The aquatic update is a distant memory at this point; Minecraft players haven’t received a new potion recipe in a long time. Minecraft still has plenty of ways to update its potions system, so hopefully the next Mojang update will move on to brewing uses again.

    RELATED: Why Minecraft Fans Should Be Excited For Hytale


    Possible additions to the Minecraft Brewing System

    Many effects that players can experience in Minecraft, from Poison to Weakness, can be obtained manually through potions, but brewing does not give fans access to the full list. There are a lot of interesting effects that should make their way into Minecraft potions, such as Haste, which allow players to farm faster. Minecraft Beacons are currently the only source of haste, so it would be nice if fans could get a more accessible source of the effect. Luck Potions would be great for players looking for rare items, and milder Resistance Potions could easily stand alongside Turtle Master Potions. Absorption potions would also be a great alternative to healing.


    In addition to adding to MinecraftIn Mojang’s list of base effects, Mojang also has the power to combine effects into future potions. After all, the Turtle Master Potion is already setting a precedent for her, providing a massive resistance buff in exchange for temporary slow. Mojang should explore the potential of versatile potions that require more complicated brewing practices. For example, he could add a potion that applies a huge Strength buff but also adds Mining Fatigue to slow the player’s attacks. A more powerful healing or speed potion that applies a temporary weakness could also be useful for players who need to disengage from dangerous situations.


    Why Minecraft Brewing Updates Should Happen

    All of these possible additions to the list of potion recipes would be worth it as they will inspire new content elsewhere in the Minecraft world, or vice versa. All of them will likely require entirely new ingredients, meaning Mojang has a chance of creating new monsters, spawned structures, or even dimensions that act as sources for those ingredients. No brewing system update has ever stood alone; Jump potions came from the addition of rabbits, slow fall potions came from ghosts like the Minecraft Overworld’s first flying hostile mob, and so on. New potions are almost always signs of major positive changes elsewhere in the game.


    Mojang hasn’t signaled that a full-scale brew update is imminent, and the mechanic admittedly may not be a priority for the studio right now. It has lots of other potential content to look into, like Minecraftpostponed archeology system or previously teased desert updates. Yet the beauty of MinecraftThe brewing system is that it doesn’t need to lead an update to benefit from it. MinecraftThe next major update should bring at least one new potion to the game, but hopefully Mojang will be a bit more ambitious than that.

    Minecraft is now available for Mobile, PC, PS4, PS5, Switch, Xbox One and Xbox Series X/S.

    MORE: How Minecraft Can Improve Its Pride Month Celebrations In 2023

    Almost 9 out of 10 Irish organizations will be impacted by Google’s cookie changes

    Marketing departments in organizations across Ireland are undergoing a fundamental change in the way they use and capture data following changes in the way businesses can use 3rd party cookies. However, a Compliance Ireland survey of 144 compliance professionals in Irish organizations across the country found that although Google’s impending changes to the use of 3rd party cookie data will have implications for almost 9 out of 10 businesses there is a general lack of awareness, with 74% of respondents saying there is little or no awareness of the issue within their organization.

    The survey also looked at whether or not marketing and compliance teams were working together to prepare and develop new data collection strategies before these changes – more than half said there was no coloring, while an additional 14% said they would like to work more closely with the marketing department.

    Michael Kavanagh, CEO of the Compliance Institute (formerly the Association of Compliance Officers in Ireland (ACOI), said the findings highlight a communication problem within Irish organizations that needs attention.

    “In 2023, Google Chrome will block third-party cookies and approx. 65% of the global market, this will force marketers to consider other options. However, these results indicate a lack of awareness, a lack of preparation and perhaps a lack of collaboration All of these are concerns from a compliance perspective.

    This tells us that organizations need to look at the data domain from a more holistic perspective. This isn’t just the domain of marketers within the enterprise – anything involving data collection or capture has a GDPR element to it, which of course is primarily driven by compliance professionals.

    Not so long ago, the Data Protection Commission (DPC) published a guidance note entitled “Cookies and other tracking technologies”, which described what the DPC considers to be best practice and aimed to ensure higher levels of membership in Irish organisations. At the time, Irish organizations were required to review their cookie policies to ensure they met the standards set by the EU. It was at this stage that collaboration between the marketing and compliance teams was necessary to ensure that the organization had all the points on both.

    We need the same kind of collaboration now.”

    The Compliance Ireland survey asked:

    How aware is your organization of upcoming Google changes? Are measures taken accordingly?

    %

    • A lot of awareness and we have made/are making changes 8
    • Lots of awareness but we haven’t made any changes yet 5
    • A little awareness – some actions undertaken/planned 13
    • Some awareness – no action taken/planned 24
    • No awareness that I know of 37
    • This does not apply to us 13

    How closely do you work with your marketing department in developing alternative data strategies to replace third-party cookies?

    %

    • Very close 18
    • We work a little with them 17
    • Not at all 51
    • We would like to work more closely with the market department on this 14

    Mr. Kavanagh concluded,

    It is clear from our survey that more collaboration and communication is needed. Marketers need to do more to engage with fellow compliance officers and vice versa..”

    Organic Cosmetic Ingredients Market Size and Forecast to 2028 | Burt’s Bee, Amway, Aveda Corp, Kiehl’s, Natura Cosmetics SA

    New Jersey, United States,- The Global Organic Cosmetic Ingredients Market The report provides an in-depth analysis of emerging trends, market drivers, development opportunities and market restraints that may impact the market dynamics of the industry. Each market sector is examined in-depth in market research intellect, including products, applications, and competitive analysis.

    The report was created using three different recognition systems. The first step requires conducting in-depth primary and secondary research on a wide range of topics. Approvals, ratings and findings based on accurate data obtained by industry specialists are the next steps. The research derives an overall estimate of the market size using top-down methodologies. Finally, the research assesses the market for a number of sections and sub-sections using information triangulation and market separation techniques.

    Click the link for a sample copy of the report: https://www.marketresearchintellect.com/download-sample/?rid=485669

    Every trend in the international organic cosmetic ingredients market is rigorously analyzed and researched by market analysts. Market associate listings and analyzers have conducted in-depth analysis of Global Organic Cosmetic Ingredients Market abuse research methodologies like Pestle and Porter’s Five Forces Analysis.

    They have provided correct and reliable market information and useful recommendations with the aim of serving the players to induce an overview of the current and future market situation. The Organic Cosmetic Ingredients report includes an in-depth analysis of potential segments along with product varieties, applications, and end users, and their contribution to the overall market size.

    Market segmentation :

    Key players:

    • Burt’s Bee
    • Amway
    • Aveda Corp.
    • Kiehl’s
    • Natura Cosmetics SA
    • Origins
    • Aubrey Organic
    • L’Oreal. •

    Segment by types:

    • Plant extracts
    • Proteins
    • vitamins
    • Waxes (Shea Butter
    • Coconut
    • Peanut
    • Palm
    • and palm kernel oil)
    • Spreading Agents
    • Additives

    Segment by applications:

    • Hair care
    • Skin care
    • Fragrance
    • Oral
    • Soap
    • Other

    Get | Discount on the purchase of this report @ https://www.marketresearchintellect.com/ask-for-discount/?rid=485669

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

    Regions are covered in Organic Cosmetic Ingredients Market Report 2022 to 2028

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

    Report Highlights

    – Quantitative market information and forecast for the global organic cosmetic ingredients industry, segmented by type, end-use and geographical region.

    – Expert analysis of the key technological, demographic, economic and regulatory factors driving the Organic Cosmetic Ingredients growth up to 2026.

    – Market opportunities and recommendations for new investments.

    – Growth prospects for emerging countries until 2026.

    For more information or query or customization before buying, visit: https://www.marketresearchintellect.com/product/organic-cosmetic-ingredients-market-size-and-forecast/

    There are 13 Sections to show the global Organic Cosmetic Ingredients market:

    Chapter 1: Market Overview, Drivers, Restraints and Opportunities, Segmentation Overview

    Chapter 2: Market Competition by Manufacturers

    Chapter 3: Production by regions

    Chapter 4: Consumption by Regions

    Chapter 5: Production, by Types, Revenue and Market Share by Types

    Chapter 6: Consumption, by Applications, Market Share (%) and Growth Rate by Applications

    Chapter 7: Comprehensive Profiling and Analysis of Manufacturers

    Chapter 8: Manufacturing Cost Analysis, Raw Material Analysis, Manufacturing Expense by Region

    Chapter 9: Industrial Chain, Sourcing Strategy and Downstream Buyers

    Chapter 10: Marketing Strategy Analysis, Distributors/Traders

    Chapter 11: Market Effect Factor Analysis

    Chapter 12: Market Forecast

    Chapter 13: Organic Cosmetic Ingredients Market Research Findings and Conclusion, Appendix, methodology and data source

    Lastly, the researchers shed light on the precise analysis of the global organic cosmetic ingredients market dynamics. It also measures enduring trends and platforms that are driving market growth. The degree of competition is also measured in the research report. With the help of SWOT and Porter’s five analyses, the market has been thoroughly analyzed. It also helps to deal with the risks and challenges faced by businesses. Also, it offers in-depth research on sales approaches.

    To note: All of the reports we list have tracked the impact of COVID-19. The upstream and downstream of the entire supply chain were taken into account during this operation. Additionally, where possible, we will provide an additional COVID-19 update supplement/report to the third quarter report, please check with the sales team.

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    Karisma Kapoor’s latest indulgence includes these mouth-watering desserts

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    Karisma Kapoor continues to stun us with her beauty and her envious fitness regimen. But do you know what is the most interesting? It’s fantastic to see how she doesn’t refrain from devouring her favorite foods from time to time. She is currently relaxing with her friends in London. Karisma gave us a view of her Saturday binge and it’s all sweet and delicious. On her Instagram Stories, the first thing that caught our eye was a plate of neatly arranged cheesecakes. The delicious treats are topped with strawberries, each adding more beauty and flavor to the delicacy.

    On top of that, we also got to see a delicious green-hued cake topped with various colorful floral details. This massive dessert is kept in a glass cake stand. It looks like Karisma was about to devour the treats, but before that, she thought of sharing the excitement with her Instafam. She just added a sticker that said “Saturday.”

    Looked:

    Karisma Kapoor shared some desserts on her Instagram stories.

    Now, looking at Karisma Kapoor’s food diaries, if you’ve started craving cheesecakes, don’t worry. Here’s the recipe for a salivate-worthy blueberry cheesecake you can make at home. It’s light and creamy and overall just what you need to satisfy your sweet tooth. It is a heavenly dessert, you will never regret it.

    If it’s not cheesecake, you can try this delicious plum cake. It contains the goodness of dried cherries, almonds, raisins and many other dried fruits. It is a great dessert and you can pair it with your evening cup of tea.

    Karisma Kapoor likes to express her gourmet side. She often shares snapshots of her food journals and makes us crave several dishes. Recently, we saw her enjoying a delicious pizza. Her Instagram Stories featured the delight loaded with various toppings including cheese and sauces. She just added a sticker that read, “You and me forever,” with a pizza illustration in the background.

    Not just meals or desserts, Karisma Kapoor also loves her snacks. She once shared a photo of a super tempting Maharashtrian snack. Her Instagram stories showed a sabudana vada with a delicious green chutney on the side of the plate. The fried snack made with tapioca pearls, potatoes and sweet spices looked quite crispy. Karisma wrote “Sabudana vada” and added a slurp emoji.

    If you observe carefully, you would know that Karisma Kapoor gorges on cakes on weekends. Maybe it’s his way of taking full advantage of a cheat meal. Right? Once, we saw her digging into a sumptuous chocolate cake that looked both moist and gooey. The soft delight was decorated with chocolate cream. While captioning the post, she wrote “Uff Ded” along with various emojis.

    Home equity loan history

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    Home equity loans have been around for nearly a century, providing borrowers with a way to cover major expenses such as home repairs, medical bills and debt consolidation. Despite their long history, however, the popularity of these loans has risen and fallen over the past few decades. They have also evolved over the years to meet the needs of consumers looking for more flexible ways to borrow against their homes.

    Here’s a look at the history of home equity loans, including their rise to prominence in the 1980s, their role in creating the Great Recession, and their sudden decline at the onset of the COVID-19 pandemic.

    Key points to remember

    • Home equity loans have been around since the Great Depression, although they were originally used primarily as a last resort for low-income borrowers with few other alternatives.
    • The Tax Reform Act of 1986 helped inflame home loans, removing the tax deduction for interest paid on non-mortgage debt.
    • Home equity loans continued to rise in the 1990s and early 2000s, with big banks launching big marketing campaigns that touted them as an easy way to turn your equity into cash.
    • The Great Recession of 2008 put a damper on their use and the COVID-19 pandemic restricted access to them, but they still remain popular.

    Originally for the less creditworthy

    Home equity loans, which allow homeowners to turn their home’s equity into cash, have been around since the Great Depression, although they were relatively rare at first. Lenders were primarily consumer finance companies and second mortgage companies, with depository institutions accounting for only about two-fifths of loans made. Economic conditions put many homeowners, especially farmers, at risk of foreclosure, and with sources of credit hard to come by, loans began as a way to avert disaster.

    For example, if a customer owned a home worth $100,000 and only owed $50,000 on their first mortgage, a lender might allow them to take out an additional $25,000 in the form of a home equity loan. . Alas, that second mortgage rarely helped in the long run as the depression deepened and many people lost their properties. As a result, home equity loans were equated with poverty and carried a social stigma.

    Going mainstream in the 1970s and 1980s

    This began to change in the 1970s and 1980s. A number of factors contributed to their explosion during those decades, including the fact that more deposit-taking institutions, including big-name banks, decided to market.

    Banks had some advantages over finance companies, including the ability to offer home equity lines of credit (HELOCs) that consumers could access by writing a check. Suddenly, homeowners had the flexibility to borrow just the amount they needed, when they needed it, rather than taking out a lump sum loan. Deposit-taking institutions also tended to have an older customer base than financial companies, with more capital to draw on.

    The popularity of these loans only increased with the passage of the Tax Reform Act of 1986, which removed the tax deduction for interest paid on non-mortgage debt. This, combined with relatively low interest rates, made home equity loans much more attractive than unsecured loans, which you could no longer write off on your tax return. As a result, the sector has grown at a staggering rate. The total value of outstanding equity loans rose from $1 billion in 1982 to $188 billion in 1988.

    Marketed to the masses by major banks

    The Tax Act of 1986, however, was not the only force behind the explosion of home equity loans. Around the same time, the big banks were undertaking a concerted effort to change the image of second mortgages, once considered a last resort for people in financial difficulty.

    One of the first things banks did was change their advertising terminology. Pei-Yuan Chia, a former Citicorp vice chairman who oversaw the bank’s consumer business in the 1980s and 1990s, said The New York Times in a 2008 interview: “Calling it a ‘second mortgage’ is like ransacking your house, but calling it ‘equity access’ and it sounds more innocent.” Citigroup launched a campaign in the early 2000s urging homeowners to “live richly.” Banco Popular had a “Make Dreams Happen” ad campaign that used the slogan “Need Cash? Use your home. »

    “The bank began to use consumer advertising techniques more like a department store than a bank,” Barbara Lippert of Advertising week Told The New York Times in 2008. “It was a real change of direction.” What these marketing campaigns typically leave out are the dangers that come with these loans, including the risk of foreclosure for borrowers who might not be able to repay them.

    Playing a part in the Great Recession

    The home equity loan market continued to grow until 2005, when the value of new HELOCs reached nearly $364 billion. At that time, market growth was fueled largely by a lowering of credit standards, which meant that even customers with lower FICO scores or high debt-to-income ratios (DTIs) could often be approved.

    All of that changed over the next two years, which saw a dramatic drop in home values ​​and a corresponding increase in mortgage defaults, spawning the Great Recession. As a result, loan originations fell dramatically, while banks tightened their lending guidelines. As the housing market slowly recovered, equity lending began to pick up, but not at the pace seen during the 2005 peak.

    COVID-19 slows recovery

    Home equity lending fell again at the onset of the COVID-19 pandemic, with banks such as JPMorgan Chase suspending HELOC originations on April 16, 2020 due to economic uncertainty and a tumultuous labor market. Citigroup followed suit nearly a year later on March 3, 2021.

    Even with the job market recovering and Americans sitting on a record amount of real estate equity — $9.9 trillion at the end of 2021, according to data firm Black Knight — these two big banks have yet to pick up new equity loans. Bank of America, however, continued to offer HELOCs, including a hybrid model with a fixed interest rate that can mim