Finance – Grantstation Trendtrack Thu, 30 Sep 2021 18:34:34 +0000 en-US hourly 1 Finance – Grantstation Trendtrack 32 32 Bank credit fell 5% in April Mon, 31 May 2021 16:33:36 +0000

LOAN by the big banks in April contracted by its fastest pace since 2004, reflthe impact of tighter lockdowns on lenders and borrowers.

Large banks’ outstanding loans fell 5% to 8.998 billion pesos in April from 9.474 billion pesos a year ago, based on preliminary data released by the Bangko Sentral ng Pilipinas (BSP) Monday.

The decline in bank loans in April was faster than the 4.5% drop in March, and the fifth consecutive month of decline.

Before April, the largest contraction in lending was observed in May 2004, when bank lending fell 4.6%.

Including reverse repurchase agreements, outstanding loans granted by major banks fell 2.9% in April after falling 4.3% a month earlier. Check more in Payday website.

“Bank lending has remained weak as measures to contain the resurgence of COVID-19 (2019 coronavirus disease) cases limited domestic economic activity and continued to dampen market sentiment,” the bank said. central in a press release.

Metro Manila and the adjacent provinces Bulacan, Cavite, Laguna and Rizal were placed under tighter lockdown from late March to April due to a spike in coronavirus infections.

Bank loans are expected to continue to decline as the coming months, as some lockdown restrictions remain in place, Rizal Commercial Banking Corp’s chief economist said. Michael L. Ricafort.

“This would lead to a significant reduction in economic / business activities which could also lead to lower demand for bank loans / credits in response to the reduction in business conditions,” he said in a text message.

Loans to productive activities fell 3.9%, faster than the 3.2% contraction in March. This, while loans to key industries such as wholesale and retail trade and repair of motor vehicles and motorcycles (-10.2%), manufacturing (-9.8%), and financial and business activities insurance (-6.8%) fell during the month.

On the other hand, bank loans to certain sectors increased, in particular those intended for professional, scientific and technical activities (106.9%), real estate activities (2.4%) and human health and social work activities (8 , 5%).

Consumer loans also fell 10.2% in April, more than the 9.9% drop recorded in March. Auto loans (-12.9%) experienced the largest decline, followed by credit cards (-9.6%) and interest-bearing loans (-1%).

Mr Ricafort said the Strategic Transfer of Financial Institutions (FIST) law could help improve banks’ appetite for more credit in the coming months.

“The FIST law would be an option available to banks to offload / sell some of their (bad debt) and other non-performing assets from their balance sheets, thus freeing up more funds and helping to increase their lending activities,” he said. -he declares.

Banks have been risk-averse to guard against a further build-up of bad loans. In March, the industry’s non-performing loan (NPL) ratio stood at 4.21%.

Meanwhile, money supply growth slowed in April. M3 – the broadest measure of circulating liquidity in an economy – rose 5.1%, following growth of 8.3% in March, the central bank said in a separate statement.

“This largely reflects the slowdown in demand for loans,” Ricafort said.

Domestic claims in April rose 1.8%, much slower than the 5.6% in March. Net claims on the central government also slowed to a growth of 23.6% from 47.4% in March.

Meanwhile, net foreign assets grew slightly faster by 18.3 percent from 18.1 percent in the previous month, supported by the rise in the country’s gross international reserves.

“Going forward, the BSP will remain vigilant to ensure that the overall stance of monetary policy is in line with the BSP’s price and financial stability objectives, while continuing to maintain political support for the efforts of the national government to fight againstffthe effects of the COVID-19 health crisis, ”the central bank said. – LWTNoble

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Federal loan programs seek borrowers; ECB to encourage more bank mergers Thu, 08 Apr 2021 02:38:32 +0000

Editor’s note: Morning Scan will not be published on Friday July 3, on Independence Day.

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To play or not to play

“More than two months after the announcement of the program, some bankers say they are always trying to decide whether to participateIn the Federal Reserve’s new $ 600 billion loan program. “The main concern: Companies in urgent need of liquidity are unlikely to be approved, while more creditworthy borrowers are likely to find similar or better terms themselves. They “also cite less than attractive terms, which changed several times before the official launch on June 15, and anemic interest among potential borrowers.”

Under this program, “commercial banks lend to businesses and then sell all but a small portion of each loan to the Federal Reserve. The Treasury Department is prepared to cover the Fed’s losses if the companies don’t pay back.

Meanwhile, the House Wednesday agreed to extend the paycheck protection program for small businesses for another five weeks, until August 8. The bill now goes to President Trump for his signature.

“The program closed Tuesday with more than $ 130 billion in unspent loans, after allocating $ 520 billion in loans to nearly five million businesses nationwide. The move came as Republicans and Democrats remained divided over additional federal assistance to be provided to businesses and individuals. “

To break up

SoftBank, which helped organize a $ 1 billion investment in Wirecard “months before the German payments company went bankrupt, is seeking to terminate a five-year partnership that its investment arm has formed with Wirecard in April 2019, ”the Wall Street Journal reported. “The partnership agreement provided for SoftBank to introduce Wirecard as a digital payments provider to other companies in SoftBank’s broad portfolio of technology companies. SoftBank has also agreed to help Wirecard grow in Japan and South Korea.

“The partnership was entered into at the same time as an investment vehicle managed by SoftBank agreed to invest 900 million euros ($ 1 billion) in Wirecard through a convertible bond. It was an unusual deal that SoftBank ended up not investing its own money in when it closed later that year.

“The head of the German financial watchdog denied that the regulator protected Wirecard instead of properly investigating, as MPs in Berlin grilled him over the agency’s role in one of the world’s worst scandals. company in the country, ”the Financial Times reported. Felix Hufeld, head of BaFin, told members of the Bundestag on Wednesday that the agency’s ability to act was limited because Wirecard was classified as a technology company rather than a financial services provider, and therefore was not not entirely the responsibility of BaFin The agency supervised only Wirecard Bank.

“Although he expressed his regret for what happened with Wirecard, he denied that BaFin could have done more than it didSaid a deputy.

Meanwhile, German prosecutors “said on Wednesday that they had raided five buildings as part of investigations into the company, three in Munich and two in Vienna where [former CEO Markus] Braun is from, ”the Journal said. The missing company is also under investigation in Singapore, Mauritius and the Philippines.

“The company’s market value slumped to less than 600 million euros ($ 673 million) from nearly 13 billion euros on June 17, the day before its first disclosure. [$2 billion in] money was missing in one of the biggest corporate scandals of recent years.

Financial Time


The European Central Bank seeks “to persuade more lenders in the region to merge by clarifying its approach to takeovers in order to reassure managers that such transactions will be encouraged. In its latest effort, the ECB on Wednesday released a guide on how it would handle banking transactions in three key areas, which it says have all been seen in the past as hurdles for lenders considering a merger.

“The supervisor said he would recognize the accounting gain – known as negative goodwill, or ‘badwill’ – that can be generated when a bank buys a rival for less than the fair value of its assets less its assets. passive. The ECB has also said it will not automatically impose higher capital requirements on merging banks. Finally, the supervisor said he would allow merging banks to continue using their existing internal risk assessment models to calculate their capital requirements for a period of time.

New York Times

Traffic signs

“The minutes of the Federal Reserve’s June meeting show that officials remained seriously concerned [about the economy], even as the states have reopened. “


Mehrsa Baradaran, author of “The Color of Money: Black Banks and the Racial Wealth Gap,” wrote an op-ed titled “What private equity reveals about the myth of free markets. “

“As inequality, unemployment and evictions rise, the Dow Jones rises alongside them – one line worsening suffering, the other worsening returns for investors,” writes Baradaran. “One reason is that an ideological coup has quietly transformed our society over the past 50 years, increasing the fortunes of the financial economy – and its agents like private equity firms – to the detriment of the real economy experienced by most Americans. “


“It’s a bit of a Catch-22. We all have a hard time, to be honest, understanding who could be that kind of unicorn borrower. ” – Lauren Anderson, senior vice president of the Bank Policy Institute, on which companies will want to borrow from the Fed’s new Main Street loan program.

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Men turn to makeup during COVID after too many Zoom calls Thu, 08 Apr 2021 02:38:21 +0000

When real estate agent Ben Dixon caught sight of his face during a Zoom call early in the morning with a client in January, he was distracted by what he perceived as puffiness and discoloration under his eyes.

“I was like, ‘You could do with a little help here!'” The 42-year-old admitted. The New York Post, noting how more bothered he had become with his appearance as he worked remotely during the pandemic.

So, like a growing number of guys increasingly horrified by their appearance on countless Zoom calls, he consulted a friend with seemingly perfect skin, who generously shared his secret: the concealer for men.

“It’s fantastic,” added Dixon, who lost $ 18 on a Product of the tribe named “Define Layer: Skin Fix” which he ordered online after choosing from five different shades. “People have already started to say that I look younger in my videos.”


More men than ever now buy makeup, which has resulted in an increase in sales on the male side of the industry, in part due to the trend towards working from home. National pharmacy giant CVS added men’s range Stryx – its slogan is “Nothing wrong with a handsome” – in 2,000 of its more than 9,900 points of sale in June 2020, nine months after a Morning Consult survey found that almost a quarter of men would consider wearing cosmetics.

More men than ever are now buying makeup, leading to increased sales on the male side of the industry, in part due to the trend towards working from home. (iStock)

Meanwhile, according to market analysis firm Moz, Google queries for “the look of men’s makeup” jumped nearly 80% last year from 2019, and other top requests included “cover redness”, “hide acne” and “hide acne”. bags under the eyes ”.

Gabriel Reyes, a Los Angeles publicist who gave his age in “his early sixties,” has no problem putting on what he calls “his mask” for online dating.

“Every time I see myself I’m like ‘Oh my God, look at those wrinkles and sun spots,’” he told The Post. “I usually keep my [still] picture on zoom but sometimes it looks rude so i have to turn on the video camera.

He had found serenity thanks to two products: The Body Shop Beauty Balm (BB) Cream at $ 25 per tube and Maybelline Matte Dream Mousse for a bargain of $ 10.

The BB cream was recommended by a seller in Miami and he purchased the slightly thicker Maybelline foundation from the women’s makeup section of his local drugstore.

“I’m sorry because I used to lie in the sun for eight hours at a time when I was 20 and lived in Texas,” Reyes said. “But these correctors really work.”

He makes sure to use the products all over the face, neck, and ears to ensure coverage is even.

“I was one of the presenters of a Zoom workshop and, while it seems frivolous, I felt a lot more confident and able to focus on the task at hand,” he said. “I don’t think men should have qualms about using tools that will make them feel better and feel better.”

Google queries for “the look of men’s makeup” jumped nearly 80% last year from 2019, and other top queries included “cover redness”, “hide acne” and ” hide the bags under the eyes ”. (iStock)

The trend comes against a backdrop of changing attitudes towards men’s cosmetics, said Bill Wackermann, spokesperson for the New York-based company. beauty products Tribu company. In addition to the moisturizer and concealer, the company also sells “Eyebrow and Beard Fix,” which fills in the gaps in beards, hair lines and uneven eyebrows.

“You could call it the “Zoom effect”,He wrote in a press release last month. “America seems to be catching up with other countries like Japan, where there are less taboos around men in makeup.”


As for Dixon, he jokingly credits his fresh, flawless look to securing a $ 30 million penthouse in the East Village for one of his top clients – a deal that has taken nearly a year to materialize.

“It’s the equivalent of a well-fitting suit,” he said.

To learn more about the New York Post, Click here.

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Hearts loan summary: forward Wighton and Olly Lee on target, but no wins for Jambo lenders Thu, 08 Apr 2021 02:38:09 +0000
Dunfermline’s Craig Wighton (center) celebrates his 2-0 victory in a Scottish Championship match between Dundee and Dunfermline Atheltic at Dens Park on March 27, 2021, in Dundee, Scotland. (Photo by Ross MacDonald / SNS Group)

Surprisingly, although there was no victory for ALL Jambos through one of the games.

Craig Wighton was on the right track in the televised Championship game for loaner club Dunfermline – which he will definitely join this summer – and made a huge early impact for Pars.

The forward found his way to the net to put Stevie Crawford’s side 2-0 against Dundee after scoring Kevin O’Hara’s opening goal. However Dundee fought back to win 3-2.

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Lewis Moore finished 90 minutes for Arbroath against Inverness Caledonian Thistle after missing last week’s game with his parent club. However, Dick Campbell’s side were beaten 1-0 at Inverness thanks to a goal from former Tynecastle trainee Nikolay Todorov.

In League One, Harry Cochrane played 50 minutes of Montrose’s 2-2 draw with Clyde and Connor Smith was substituted after 73 minutes of Cove Rangers’ 0-0 draw with East Fife. Cammy Logan was an unused replacement for Paul Hartley’s team.

Lower in the divisions, Chris Hamilton was a 90th-minute substitute for Stirling Albion in a 1-1 draw at Elgin City while Harry Stone scored goals for Albion Rovers in a 1-1 draw at home with Annan Athletic.

It was another 1-1 draw for Olly Lee and Gillingham in England’s League One skybet. The Hearts midfielder on loan came off the bench after an hour and found an equalizer for his temporary side six minutes later to secure a key point against league leader Hull.

Colin Doyle and Jordan Roberts were both out of action in the FBCL Premiership with the international weekend providing a break for the league, but Craig Gordon and Michael Smith were both absent on international duty.

Thank you for reading this article. We depend on your support more than ever, as the change in consumption habits caused by the coronavirus is having an impact on our advertisers.

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Is there still room for export credit agencies? Thu, 08 Apr 2021 02:37:50 +0000

Once a critical pillar in supporting commercial space projects around the world, export credit agencies have faded from the limelight in an industry awash with financing alternatives.

But as an Indonesian satellite obtains ECA support and Canada’s Telesat explores the option for its LEO constellation, there is still a role to play for these state-backed institutions.

ECAs came to the fore following the 2008-2009 financial crisis, helping space companies raise billions of dollars in financing as bank funding dried up and bond markets became problematic.

The American Ex-Im Bank, Export and Development Canada and the French company Bpifrance (formerly Coface) have become leading influencers in Western industry, supporting satellite projects that fuel companies in their country of origin.

It is the attractiveness of a financial package supported by Coface that finally pushed Iridium Communications to choose the European Thales Alenia Space rather than the American Lockheed Martin to build its $ 3 billion constellation, said Matt Desch, CEO of the satellite operator. News in an interview.

Desch said the $ 1.8 billion in long-term, relatively low-interest-rate ECA-backed debt she secured in 2010 was “absolutely critical” for the company at the time.

“It fits the profile of a big satellite mega-constellation perfectly,” he said.

However, ECA debt is also notoriously restrictive, limiting shareholder dividends and the types of projects a company can invest in.

As Iridium’s risk profile improved, credit markets also improved and in 2019 the company refinanced all of the ECA debt on better terms in the private market.

The prevalence of COAs elsewhere in the industry has also declined due to the greater availability of funding sources. Ex-Im being involved in a political struggle that closed its doors to big contracts from 2015 to 2019 did not help matters.


That could be about to change as the pandemic underlines the value of the space industry and activity ramps up across the sector.

The UK plans to leverage its UKEF export credit agency to help grow the country’s share in the global space industry after Brexit.

“There has been a sharp increase in demand for our support across a range of UK export sectors this year, as we have significantly expanded access to our support,” a UKKEF spokesperson said.

“We are seeing strong demand in the broader aerospace sector and have already committed £ 8 billion for UK airlines affected by the pandemic. “

Britain’s space exports hit £ 5.5 billion in 2019, the country’s government said earlier this year. More than a third of the sector’s income comes from exports.

The degree of UKEF’s involvement in the space market will depend on demand and the level of support the industry receives from the private sector, the spokesperson added.

Indonesia recently secured $ 545 million in partially ECA-backed funding for the SATRIA broadband satellite it ordered in 2019. Credit: Thales Alenia Space

Despite the proliferation of other commercial sources of funding, such as venture capitalists and, more recently, Special Purpose Acquisition Companies (SPACs), Ex-Im expects space companies to continue to look to ECAs to fill funding gaps left open by commercial banks. .

A spokesperson for Ex-Im highlighted the extent of funding that will be required for large constellation projects in the future, as well as the need for more non-dilutive sources of capital at later stages of the life cycle of these projects.

“EXIM has experienced delays related to the pandemic in the development of space transactions which are currently under consideration,” the spokesperson said.

“However, demand for EXIM support has been robust. Over the past two years and during the pandemic, EXIM has seen a significant increase in requests for funding from various other commercial applications such as Earth observation and remote sensing, space tourism, maintenance of orbiting spacecraft. and the weak or medium constellations of satellites in Earth orbit.

There is also a geopolitical element at play, the spokesperson adding that “when a competitor of an American company receives funding sponsored by the ECA or the state, EXIM is able to provide competitive funding. to level the playing field for the American exporter. “

Indonesia is the latest country to appeal for ECA support for a space project. His government recently obtained funding of $ 545 million that Bpifrance is supporting in part for SATRIA, the high-speed satellite that Thales Alenia Space is building. The satellite is part of a public-private partnership with the established national satellite operator Pasifik Satelit Nusantara (PSN).

More deals are brewing under the radar, according to a source who advises companies on debt, who said ECAs are still a good option for companies that don’t have the right credit fundamentals to rely on. Direct commercial loans, bonds or the frenzy of activity in the public markets fueled by the PSPC.

“I am working with at least two new companies that are considering ECA financing as one of their financing options,” the person added.

However, ECA financing remains debt, which is much more conservative than equity when it comes to risk. The shadow of the failure of ECA-backed Newsat in Australia six years ago also hangs over the market.

The best source of funding largely depends on the risk profile of the satellite project, according to Euroconsult analyst Nathan de Ruiter.

“The changing market environment, from broadcast to broadband applications and associated shorter-term contracts, makes it more difficult for satellite operators to secure a large pre-launch backlog,” a- he declared.

“ECAs generally place great importance on pre-launch commitments to limit exposure to market risk.”

According to the Indonesian agreement, the “government of the country is the buyer, which entails little or no market risk”.

Telesat, 51, is also a good fit for ECA because of the existing cash flow it generates in other parts of the business, where there are proven business models.


The space industry as a whole, however, is moving away from the proven models of the past as it carves out new markets in an increasingly digital world.

Telesat and the Indonesian project pose little risk to repay their loans compared to many companies that now dominate the industry, according to Desch.

“Right now… our industry is generally in a big start-up fashion, with a lot of new ideas, with a lot of new companies,” he said.

These companies help fuel a growing appetite for risk in the stock markets, which flock to the sector as low interest rates make other types of investment less attractive.

There’s a lot of money researching the kinds of returns these space companies promise as they seek to transform markets with new technology, Desch noted.

“The problem is, there is also a very, very high risk, and I don’t think … that a lot of the companies that we are seeing now are candidates for export credit financing,” he said. -he declares.

He added: “This is the time for fairness and it is a good thing because fairness is looking for places to put its money.”

It remains to be seen how long this environment will last, as venture capital is also playing an increasingly important role in an industry that seeks to disrupt the state of play.

Armand Musey, founder of consultancy firm Summit Ridge Group, said: “As technological change accelerates in the space industry, long-term take-or-pay customer contracts are likely to become rarer.

“If this is the case, it will become more difficult for ECAs to familiarize themselves with the commercial risk associated with the financing of many space projects. In the absence of rock-solid contracts or government support, the space industry is likely to rely more on other sources of capital. “

For Ex-Im, he believes that ECAs will continue to be an important part of the industry funding mix because, mainly through an agreement with the Intergovernmental Organization for Economic Co-operation and Development (OECD), they have the the ability to provide a scale of patient capital at times longer than the commercial banking industry is able, or willing, to provide on its own.

“The arrival of non-OECD ECAs offering aggressive financing for their local space industry exports has only underscored the critical role EXIM plays in supporting the US commercial space sector,” said the spokesperson for Ex-Im.

This article originally appeared in the March 15, 2021 issue of SpaceNews magazine.

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Hoophall Classic 2021 canceled due to COVID-19 pandemic, event could resume in 2022 Thu, 08 Apr 2021 02:37:27 +0000

The 2021 Spalding Hoophall Classic has been canceled due to the COVID-19 pandemic, according to event organizers.

Greg Procino, vice president of the Naismith Memorial Basketball Hall of Fame, told MassLive that the factors opposing the event – which would have happened without the fans – simply piled up too high to be overcome .

“The unknown in January, in terms of what the health situation will look like locally, the variables in place just didn’t align in our favor,” Procino said. “We tried to be as patient as possible, tried to wait and see if things were going to improve, but the reality is at this point, given the increase in the number of cases, the local restrictions with the ‘State and city, the unknown of the local high school basketball season, the volume of trips across the country that this event takes, at this point it seems like the right thing to do to take a break.

“If our protocol document was perfect, there would always be reasons not to do it, and I think we got to a point where there were too many obstacles to make it work, because even in our modified plan , it wouldn’t have been what people would normally expect from Hoohall Classic. It would have been a TV studio without fans.

Organizers were concerned for the safety of the athletes, many of whom should have traveled to Springfield from their home markets.

“They’re still high school kids, and they’re still required to leave their homes and travel to Springfield to participate, and without real testing protocol and real approval from local authorities, injecting more risk into the pandemic at this point just. doesn’t seem like the right choice, ”Procino said.

Now the Hall of Fame will be planning an event normally scheduled for 2022.

“I think we all hope things will be normal around this time next year,” Procino said. “We’re going to create a new calendar, we’re going to go back to our original dates, we’re going to continue as if we were going to have an event.

“I don’t think our planning cycle or our desire to change in terms of hosting an event. We’re going to go ahead as if we are going to have a more normal year, and hopefully the vaccine and virus will be more under control at this point. “

This year’s 20th anniversary event reportedly featured Emoni Bates, one of the top high school prospects of recent years, along with a full roster of talented young stars. Rather, according to Procino, next year’s event will be billed as the 20th anniversary.

Procino noted that Anthony Edwards, who became No.1 in the 2020 NBA Draft against the Minnesota Timberwolves on Wednesday, was the 10th consecutive No.1 pick to play at the Hoophall Classic in Springfield.

“I think we’ve set ourselves high expectations to deliver the best teams and the best interested players to come, and I don’t see that changing in terms of how we move forward,” Procino said.

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Ayrshire Housing accepts £ 18million Allia C&C loan for new developments Thu, 08 Apr 2021 02:37:05 +0000

Ayrshire Housing accepts £ 18million Allia C&C loan for new developments

Housing Ayrshire received a £ 8million loan through a charity bond run by Allia C&C build 118 more affordable rental units over the next two years.

The loan is the third and most important that the association has received under the Allia C&C program with the Scottish government.

Work is expected to begin shortly on 52 energy efficient homes in Troon, followed later this year by a start on more than thirty apartments next to the Gaiety Theater in the heart of Ayr. The association is also finalizing the planning of 12 houses in the conservation village of Kirkmichael and 20 in the historic market town of Maybole.

The Charitable Bond program provides simple, unsecured loans to housing associations for up to 15 years, while interest paid over the life of the loan funds a subsidy program for social housing grants.

Jim Whiston, Director of Ayrshire Housing, said: “We are delighted to be working for the third time with Allia C&C to provide much needed affordable rental housing. Their latest installation will allow us to build another 118 houses over this year and into the coming year, which will help meet the Scottish Government‘s affordable housing goal and support the South Ayrshire Council housing strategy.

Daniel Carrico, origination manager at Allia C&Cadded: “We are delighted to continue our relationship with Ayrshire Housing with this third round of funding through our charitable bond program. The simple, unsecured funding that this program has provided over the past six years has made a significant contribution to the creation of new affordable housing across Scotland.

Since 2014, Allia C&C has worked with the Scottish Government to distribute over £ 200million in funds in the form of loans and grants to support the development of new affordable housing.

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Hedgehog food recalled due to salmonella concerns: FDA Wed, 07 Apr 2021 23:17:44 +0000

Attention, owners of hedgehogs: a food for this small animal faces a recall over fears that it might be contaminated with salmonella, according to a recent recall notice posted on the U.S. Food and Drug Administration website.

Ohio-based Vitakraft Sun Seed Inc. has issued a voluntary single-batch recall of its Vitakraft Vita Smart Hedgehog food, fearing the batch may have been contaminated with salmonella, a bacteria that can cause illness in humans and animals.

According to the FDA opinion, the company was contacted regarding possible contamination after the Michigan Department of Agriculture inspected a sample of the product and discovered the presence of the bacteria.

“The tests that found the bacteria were part of randomized testing conducted by the state of Michigan on consumer products, and not motivated by consumer concerns,” according to the recall notice.


However, no illness has been reported to date.

Lot number 343422 is affected. The product has UPC 0-51233-34792-9 and its expiration date is November 6, 2022.

“Animals infected with Salmonella may be lethargic and have diarrhea or bloody diarrhea, fever and vomiting. Some animals will only have a decrease in appetite, fever and abdominal pain. Infected but healthy pets can carry and infect other animals or humans. If your pet has consumed the recalled product and is exhibiting these symptoms, please contact your veterinarian, ”according to the recall notice.

Also there are [a] risk for humans to handle contaminated pet products, especially if they have not washed their hands thoroughly after coming into contact with the products or any surface exposed to these products, ”officials warn.

In humans, symptoms of salmonella usually develop 1 to 72 hours after exposure to the bacteria, with most people developing diarrhea, fever, and stomach cramps. The illness typically lasts four to seven days and most people recover without treatment, according to the Centers for Diease Control and Prevention (CDC).

“In some people, the disease can be so severe that the patient must be hospitalized,” according to the CDC. “Salmonella infection can spread from the intestines to the bloodstream and then to other places in the body.”


Federal health officials say children under 5, pregnant women, adults 65 and older, and people with weakened immune systems are more likely to have serious illness.

“Retailers and distributors who received the recalled lots were contacted and asked to remove these lots from their inventory and shelves. Consumers who have purchased a product from the recalled batch should stop using the product and may return the unused portion to the place of purchase for a full refund, ”according to the recall notice.

Customers who have further questions regarding the recall can contact the company at 1-800-221-6175, ext. 123.

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SF business owners protest for immediate relief, coronavirus reopening plan Wed, 07 Apr 2021 23:17:42 +0000 About 150 San Francisco small business owners, flanked by their potential clients, called for immediate financial relief and specific reopening plans outside of San Francisco city hall on Tuesday morning.

Masked and separated, the leaders of the industries have not been able to reopen since mid-March, the shelter in place detailed the financial difficulties that have caused some companies to collapse completely amid the pandemic coronavirus.

“None of us want to be in the middle of a pandemic,” said Dave Karraker, co-owner of MX3 Fitness, whose two gyms have had to lay off 10 people and rack up more than $ 20,000 in debt since March. “None of us wanted to be here in this air quality. None of us wanted to have to call Grandma and ask her to babysit for a few hours, because I have to go to town hall and begging them to save my business. Incredibly, they’re not watching one business go bankrupt. They are watching entire lines of business collapse.

According to Yelp, more than 2,000 Bay Area businesses were marked as permanently closed between March and July 10. Lending Tree found in a study this month that small businesses in San Francisco have the bleakest prospects among any major American city – surpassing only Austin, San Antonio, San Jose and New York.

Many of those who closed were small businesses.

Business leaders demonstrate in the plaza in front of City Hall on Tuesday, August 25, 2020 in San Francisco, California. take immediate action.Liz Hafalia / The Chronicle

Commercial real estate agent Stu Gerry has represented 116 San Francisco small business owners in owner negotiations since mid-March. He said 7% closed permanently in July, that the number rose to 33% this month and that he expects it to reach 90% soon.

Business owners carried signs that included “If the masks work, let us work” to “Open now or shut down for good” to “Feeding my child is essential business”.

The group included owners of fitness, personal care and nightlife businesses, who are prohibited from opening operations indoors as San Francisco remains on the state’s watch list. The timing of the reopening is unclear, but Gov. Gavin Newsom said he plans to issue guidelines this week.

The protest drew City Hall supervisors Matt Haney and Rafael Mandelman outside to address the crowd.

“Just because we’ve been put on the watch list doesn’t mean we need to stop working on the problem,” Mandelman said. “Let’s let people know when, if and how we’re going to reopen, and if the answer will be ‘no’ for a number of people, let them know. Then people can make reasonable choices and move on.

The mayor of London Breed initially suspended the plan to reopen the city at the end of June, citing a rapid increase in COVID-19 cases. The reopening break became “indefinite” on July 17 when San Francisco was added to the state’s watch list.

More than a month after the hiatus, business owners have expressed frustration and pleaded for more help. The city has loan and grant programs for companies affected by the coronavirus, but applications are closed for many programs.

Billy Polson and the 86 independent fitness trainers who work at his gym, Diakadi, have limited themselves to online and outdoor sessions.

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American Express Stock – Osage County Courthouse Deposits, March 26-April 1, 2021 – Osage County Online | Zoom Fintech Wed, 07 Apr 2021 23:17:41 +0000
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American Express Stock – Osage County Courthouse Deposits, March 26 – April 1, 2021 – Osage County Online

Osage County Courthouse Deposits, March 26 – April 1, 2021

April 05, 2021
Wayne White

The following information compiled from Osage County Courthouse records, March 26, 2021 through April 1, 2021.

Limited cases

  • American Express National Bank c. Aaron Karnes. Money recovery. Filed on 03/30/21. Amount: $ 5,137.50, plus interest, fees and others. 21LM052
  • Cash Link USA LLC v. James Bell Jr. Silver Recovery. Filed on 03/31/21. Amount: $ 1,247.08, plus interest, fees and others. 21LM053
  • LVNV Funding LLC v Lacey Long. Money recovery. Filed on 04/01/2012. Amount: $ 729.85, plus interest, fees and more. 21LM054

Civil affairs

  • Ronald E. Crawford v. William N. Kane and Rosen’s Inc. Motor vehicle crime. Filed on 03/30/21. Amount: Deductible $ 75,000.00. 21CV011

Marriage licenses

  • Jordan D. Brown and Karissa L. Noel. Filed on 04/01/2012. 21MA018


  • Marvin D. Young and Donna L. Young at EMH Capital LLC. Tracts W 1/2 11-17-16.
  • David E. Rhoads and Haley D. Rhoads to Todd A. Griffin and Bridgette M. Griffin. Tract NW Coin NW 1/4 31-16-16.
  • Betty M. Schrader to Tammy Holzrichter. Tract NE Corner S 1/2 NE 1/4 19-16-14.
  • William T. Schlagel to Samantha Carothers and Tyler Carothers. Tract NE 1/4 16-15-16.
  • Michael Hastings to William L. Billings. Tract SW Corner SE 1/4 and Part SW 1/4, both 7-14-15.
  • Varekai Holdings LLC to Jason A. Stithem and Renay D. Stithem. Lots 57 and 58, Western Heights, Overbrook.
  • Teejay M. Priest and Courtney C. Priest to Jody Cullins. Tract SE Coin SE 1/4 9-15-16.
  • Steven A. Salazar and Nicole L. Salazar to Jacob K. Thompson and Jessica A. Davis. Lots 2, 4 and 6, block 9, Original Osage City.
  • Steven L. Thurman, Sharon K. Culley, Keving Culley, Laura R. Moore, Joshua J. Moore, Matthew J. Thurman, Jessica M. Thurman and Jenna R. Thurman at Russell W. Jones. Lots 17 and 18, block 9, Original Lyndon.
  • Larry P. Boss, Shawn Conklin, Lindsay Conklin, Alex L. Boss and Chelsey M. Boss at Sunshine Enterprises LLC. 7-17-16 East Highway 75.
  • Holden A. Barton to Teejay M. Priest and Courtney C. Priest. Lots 4-10, block 2, addition of Urich, Carbondale.


  • KansasLand Bank to David M. Young, Ellen K. Young, John A. Young, and Elizabeth A. Young. Lot 14, Block 14, Addition Wetherell, Osage City.
  • MERS (Nationstar Mortgage LLC) to Melvin E. Hartley. Lot 28, Pomona Heights.
  • MERS (National Central Bank) to R. Regan Erickson and Jana L. Erickson. Lot 7 and Part 8, Block A, Meadowbrook Subdivision 2, Overbrook.
  • MERS (UMB Bank, NA) to Daniel J. Jacobs and Kendra L. Jacobs. Tract S 1/2 SW 1/4 11-15-15.
  • Landmark National Bank to Terry L. Burnett and Jeree L. Burnett. Tract NE Corner NE 1/4 17-15-17.
  • Landmark National Bank to Harry J. Chermak and Tina D. Chermak. Tract SE Coin NE 1/4 3-15-14.
  • Dear Farm LLC at Thornhill Farms LLC. S 1/2 SW 1/4 7-17-15.
  • Lyndon State Bank to Kevin D. Saffle and Karla S. Saffle. SW 1/4 13-17-16.
  • Kaw Valley Bank in Beverly C. Evans. Tracts NW 1/4 5-14-17.
  • Capitol Federal Savings Bank to Luke A. Coltrane and Rebecca E. Coltrane. Lot 3, block A, Meadowbrook 2 subdivision, Overbrook.
  • Emporia State Federal Credit Union to Worthy L. Stutler, Jr. and Leslie C. Stutler. Tract NE Coin NW 1/4 24-16-13.
  • PNC Bank NA to Bobette J. McCullough and Jeffrey E. McCullough. Lots 28 and 29, South Shore Estates.
  • MERS (Everett Financial Inc.) to Daniel M. Campbell. Sector E 1/2 NW 1/4 13-14-14.
  • Federal Commercial Mortgage Corp to Bryan F. Hempel. Even lots 6-14, block 4, adding Cloud, Quenemo.
  • MERS (Home CountryWide Loans Inc.) to Neil P. Plinsky and Michelle L. Plinsky. Lots 1 and 2, block 4, 2nd addition of Osage Carbon Company, Osage City.
  • Frontier Farm Credit to Larry E. Baker and Janie E. Baker. NW 1/4 32-18-17 and Franklin County Tract.
  • Frontier Farm Credit to Donald C. Haines. N 1/2 SW 1/4 23-15-17 and Tract NW 1/4 3-16-17.
  • US Bank, NA to Crystal N. Roberts. Lots 50-52, 79-80, Sail-A-Way Estates North.

Subscribe to the Osage County Backgrounder for detailed information about Osage County Court, Deed Transfer, and Mortgage; contact Woodbury Services, Evan Woodbury, owner, 785-214-9545, [email protected].

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American Express Stock – Osage County Courthouse Deposits, March 26 – April 1, 2021 – Osage County Online

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