Connexion

Site réservé aux représentantes et représentants régionaux, aux dirigeantes et dirigeants ainsi qu’aux déléguées et délégués du palier local du SFPQ. Bienvenue dans votre SFPQ en ligne!

S’il s’agit de votre premier accès, veuillez créer votre compte ici.

Pour vous connecter, saisissez votre nº de membre ainsi que votre mot de passe.

Nº de membre ou adresse courriel : Mot de passe : J’ai de la difficulté me connecter Mémoriser mon identifiant.

Syndicat De La Fonction Publique Et Parapublique Du Québec

Toutefois, l’organisation syndicale voit le jour au cours de l’hiver 1961 par la formation du Syndicat national des fonctionnaires provinciaux du Québec », issu d’un groupe d’employées et d’employés de la fonction publique de la région de Montréal.

Cependant, c’est en 1964, après plusieurs batailles et revendications que le Syndicat des fonctionnaires provinciaux du Québec est reconnu officiellement comme l’unique représentant de tous les fonctionnaires et ouvriers de la province travaillant au sein de la fonction publique du Québec.

Bien que la formation officielle du SFPQ ait eu lieu le 26 septembre 1962, les vrais débuts de la syndicalisation des employées et des employés de la fonction publique remontent au printemps 1961, grâce une poignée de fonctionnaires regroupés sous le nom Syndicat national des fonctionnaires provinciaux du Québec.

Avec la syndicalisation des employées et des employés de la fonction publique, la société québécoise a mis fin plusieurs décennies d’arbitraire, de patronage et de favoritisme dans l’attribution des emplois du secteur public et dans l’administration de l’État.

l’époque, l’avancement et la promotion du personnel de secrétariat se faisaient en fonction du titre de son patron : plus le poste du patron était élevé, plus la moquette de son bureau était épaisse, donc meilleures étaient les conditions de travail de sa secrétaire…. Représentation des accréditations parapubliques.

Cette dixième convention collective a permis le retrait de la Loi 102 ; le versement d’un montant forfaitaire compensatoire de 0,5 % au printemps 1996 ; des augmentations salariales de 1 % les 1er janvier 1997 et 1998 ; une bonification des dispositions sur la sous-traitance et des critères d’admissibilité dans les régimes de retraite ; la création de listes de rappel pour certaines catégories de personnel occasionnel ; et l’intégration des fonctionnaires fédéraux la fonction publique du Québec.

Le personnel a reçu une augmentation salariale de 2 % pour la période du 1er avril au 31 décembre 2003 et un montant forfaitaire de 1 %. Retrait du SFPQ. Lors du 21e Congrès, ne voulant pas endosser la décroissance des emplois, les délégations du SFPQ ont décidé de se retirer des comités locaux, ministériels et sectoriels de l’organisation du travail.

Syndicat De La Fonction Publique Et Parapublique Du Québec

titre de rappel, en octobre dernier, une mise jour de l’application PSST a été faite.

Si vous ne l’avez pas encore téléchargée, on vous invite le faire maintenant! psst.

Ca/ Aujourd’hui, notre conseiller en santé et sécurité du travail, Guillaume Maheux, nous présente le module sur le retrait préventif, lié au programme Pour une maternité sans danger .

Rappelons qu’au Québec, en vertu de la Loi sur la santé et la sécurité au travail, la travailleuse enceinte ou qui allaite a le droit de travailler sans danger ou d’être immédiatement affectée d’autres tâches ne comportant pas de dangers et qu’elle est en mesure d’accomplir.

Êtes-vous admissible au programme ? On vous invite vérifier sur l’application PSST dès maintenant!

Grève Imminente Des Membres Du SFPQ Dans La Fonction Publique

CNW Telbec/ – l’issue d’une tournée de vote, les travailleuses et les travailleurs de l’accréditation Fonctionnaires, membres du Syndicat de la fonction publique et parapublique du Québec, se sont prononcés 81 % pour la mise en place de moyens de pression lourds, pouvant conduire des journées de grève, dans les prochaines semaines.

Le gouvernement refuse depuis trop longtemps de reconnaître le travail du personnel de la fonction publique au même titre que ceux en santé ou en éducation, c’est inacceptable! Nos membres sont mobilisés et prêts faire la grève, s’il le faut », indique Jean-François Sylvestre, vice-président du SFPQ. De son côté, le président général du SFPQ, Christian Daigle.

Accueille avec satisfaction les résultats de cette tournée qui témoigne de la volonté des membres d’aller jusqu’au bout.

Ça fait plus de deux ans que l’on tend la main au gouvernement de la CAQ pour trouver des solutions concrètes l’amélioration des conditions de travail.

Devant un marché de l’emploi guidé par la pénurie de main-d’œuvre, le gouvernement du Québec n’est plus en mesure de compétitionner avec bien des employeurs, y compris les secteurs municipal et fédéral, qui offrent un salaire plus élevé pour des tâches similaires.

Président général du SFPQ. Rappelons que la négociation porte sur le renouvellement de la convention collective de quelque 26 000 membres du SFPQ occupant majoritairement des emplois de bureau et de techniciens dans les ministères et organismes québécois.

Le SFPQ est un syndicat indépendant regroupant environ 40 000 membres travers le Québec, dont quelque 30 000 sont issus de la fonction publique québécoise, et répartis comme suit : près de 26 000 employé.

Une Grève Est Imminente Dans La Fonction Publique

Une grève est imminente chez les travailleurs de la fonction publique qui ont voté pour la mise en place de moyens de pression lourds qui pourraient aboutir une grève dans les prochaines semaines.

Alors que les négociations portant sur le renouvellement de la convention collective n’aboutissent pas, les quelque 26 000 membres du Syndicat de la fonction publique et parapublique du Québec, ont voté 81 % pour la mise en place de moyens de pression.

Ainsi, 10 journées de grèves pourraient être utilisées si la situation est jugée opportune.

«Le gouvernement refuse depuis trop longtemps de reconnaître le travail du personnel de la fonction publique au même titre que ceux en santé ou en éducation, c’est inacceptable! Nos membres sont mobilisés et prêts faire la grève, s’il le faut», a indiqué le vice-président du SFPQ, Jean-François Sylvestre, qui estime que les offres du gouvernement sont insuffisantes.

De son côté, le président général du SFPQ, Christian Daigle, a affirmé que le syndicat tend la main Legault depuis deux ans pour trouver des solutions qui amélioreront les conditions de travail des employés de la fonction publique.

«Devant un marché de l’emploi guidé par la pénurie de main-d’œuvre, le gouvernement du Québec n’est plus en mesure de compétitionner avec bien des employeurs, y compris les secteurs municipal et fédéral, qui offrent un salaire plus élevé pour des tâches similaires», a-t-il indiqué.

Le Nouveau Processus De Dotation Jugé Inéquitable

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Programme D’Équité Salariale Des Fonctionnaires Et Ouvriers De L’Entreprise De La Fonction Publique

Le programme vise le personnel représenté par le Syndicat de la fonction publique et parapublique du Québec, unités fonctionnaires et ouvriers, ainsi que le personnel non syndiqué des mêmes catégories d’emplois.

Le programme initial d’équité salariale des fonctionnaires et ouvriers de l’entreprise de la fonction publique a permis, au printemps 2007, de verser des ajustements salariaux aux personnes appartenant certaines catégories d’emplois prédominance féminine, et ce, rétroactivement au 21 novembre 2001.Évaluation du maintien de l’équité salariale.

Cette évaluation du maintien de l’équité salariale des fonctionnaires et ouvriers de l’entreprise de la fonction publique a permis, l’automne 2011, de verser des ajustements salariaux aux personnes appartenant certaines catégories d’emplois prédominance féminine, et ce, rétroactivement au 31 décembre 2010.Évaluation du maintien de l’équité salariale.

Le 20 janvier 2016, la Commission des normes, de l’équité, de la santé et de la sécurité du travail consent, la demande du Secrétariat du Conseil du trésor, prolonger de 90 jours le délai accordé pour réaliser l’évaluation du maintien de l’équité salariale, et ce, suivant la date la plus éloignée, soit du règlement des plaintes ou soit de la décision finale, concernant les plaintes en traitement au moment de la demande de prolongation.

Le 2 février 2016, en vertu de l’article 14 de la Loi sur l’équité salariale, le Secrétariat affiche l’avis et la décision de la Commission pour informer le personnel visé de la prolongation du délai accordé pour réaliser l’évaluation du maintien.

Le 21 juin 2016, le Comité d’évaluation du maintien de l’équité salariale affiche l’avis d’affichage et procède l’affichage de l’évaluation du maintien de l’équité salariale qui présente les résultats de cette évaluation ainsi que le deuxième avis de la Commission suite au règlement des plaintes.

Cette évaluation du maintien de l’équité salariale du secteur de la fonction publique permettra de verser des ajustements salariaux aux personnes appartenant certaines catégories d’emplois prédominance féminine, et ce, rétroactivement au 19 mars 2016.

The Nova Scotia Utility and Review Board is invoking the interrupter clause for the third time in a week to adjust gas prices.

The Nova Scotia Utility and Review Board is is set to adjust fuel prices for the third time in a week, and those prices are expected to rise.

CBC News reporter Robert Jones, who makes gas price predictions for the network, said he expects the price of gas to increase by 10 cents per litre and the price of diesel to increase by 12 cents per litre.

On Monday, the minimum price of regular self-serve gas per litre ranged from 175.3 cents in the Halifax area to 177.2 cents in Cape Breton.

The minimum price of diesel per litre ranged from 190.1 cents in the Halifax area to a minimum of 192.1 in Cape Breton.

The UARB invoked the interrupter clause for just diesel on March 1, gas prices jumped 10 cents on Friday, then the UARB invoked the interrupter clause again Saturday, increasing gas and diesel prices by nine cents.

The board considers using the interrupter when prices shift up or down by six to eight cents.

Nova Scotia Gas Prices Hit New Record, Up 8.7 Cents After Interrupter Invoked

The Nova Scotia Utilities and Review Board has invoked the interrupter clause to raise gas prices overnight once again.

Pump prices are up 8.7 cents for gasoline with Nova Scotians now paying 175.3 cents per litre for self-serve regular minimum.

This comes just a day after gas prices rose by more than 10 cents per litre to a new record high on Friday.

Diesel was up 17.2 cents on Friday and rose by another 6.4 cents on Saturday to 190.1 cents per litre.

The last time the NSUARB invoked the interrupter according to its schedule was Feb. 22 for diesel, when it went up by 6.5 cents, and Dec. 1 for gasoline when it went down by 7.5 cents.

Pump prices for gas were 131.7 cents per litre at the end of August, 43.6 cents less than the current 175.3 minimum.

In Cape Breton, the self-serve regular minimum for gas has risen to 177.5 cents and the price of diesel is now 192.1 cents.

Peter Gurnham Steps Down As Chair Of The Utility And Review Board

Monday is Peter Gurnham’s last day as the chair of the Nova Scotia Utility and Review Board.

At age 69, he is retiring from a very big job: decisions by the UARB affect what consumers pay for electricity, natural gas, gasoline, water, bridge tolls, car insurance, and payday loans.

Nova Scotia Power notes that these are very close results in all cases, particularly for a long-lived hydro asset like the Mersey system; accordingly, additional economic analysis will be provided in any capital applications for Mersey system refurbishment.

18 19 NS Power is required to comply with the NPCC reliability criteria that have been approved 20 by the NSUARB. These criteria are outlined in NPCC Regional Reliability Reference 21 Directory #1 – Design and Operation of the Bulk Power System 39 which states: 22 23 24 25 26 27 28 29 30 31 Each Planning Coordinator or Resource Planner shall probabilistically evaluate resource adequacy of its Planning Coordinator Area portion of the bulk power system to demonstrate that the loss of load expectation of disconnecting firm load due to resource deficiencies is, on average, no more than 0.1 days per year.

5 6 7.3.1 Energy Resource Interconnection Service Connected Resources 7 8 In the 2018, 10-Year System Outlook Report, NS Power provided a study to 9 determine the potential capacity contribution of ERIS facilities based on current 10 system configuration and conditions.

NS Power is a member of the NPCC those 11 portions of NS Power’s bulk transmission network where single contingencies can 12 potentially adversely affect the interconnected NPCC system are designed and 13 operated in accordance with the NPCC Regional Reliability Directory 1: Design 14 and Operation of the Bulk Power System, and are defined as Bulk Power System 15.

16 17 8.2.2 Bulk Electric System 18 19 The NERC Bulk Electric System BES definition encompasses any transmission 20 system element at or above 100 kV with prescriptive inclusions and exclusions that 21 further define BES. System Elements that are identified as BES elements are 22 required to comply with all relevant NERC reliability standards.

15 These systems act to maintain system stability and remove equipment overloads, 16 post- contingency, by rejecting generation and/or shedding load. The NS Power 17 system has several transmission corridors that are regularly operated at limits 18 without incident due to these SPS. 19 8.2.4 20 NPCC Directory 1 Review 21 22 A Working Group under the NPCC Task Forces on Coordination of Planning 23 and Coordination of Operation has been created to conduct a 24 review of the NPCC Directory 1 Document: Design and Operation of the Bulk 25 Power System.

4 5 At present, Directory 1 55 provides a “Design-based approach” to design and operate the 6 bulk power system to a level of reliability that will not result in the loss or unintentional 7 separation of a major portion of the system from any of the contingencies referenced.

Price Of Diesel Is Up In Nova Scotia

The price of diesel went up in N.S. Wednesday.

Killer’s spouse must speak at Nova Scotia mass shooting probe: familiesThe public inquiry into the Nova Scotia mass shooting that left 22 people dead heard today from lawyers representing the victims’ families, who said the commission must call the spouse of the killer to testify under oath.

Bank of Nova Scotia signs $1.3-billion deal to increase stake in Scotiabank ChileThe bank is acquiring a family-held 16.8-per-cent stake.

Bank of Nova Scotia beats expectations on mortgage and commercial loan growthBank of Nova Scotia beat market estimates for firstu002Dquarter profit on Tuesday, driven by strong mortgages and commercial loan growth.

CaThe inquiry into the Nova Scotia mass shooting continues on Tuesday, which will include a presentation on how 911 calls are dispatched and received.

CaThe public inquiry into the Nova Scotia mass shooting that left 22 people dead in April 2020 continues on Wednesday, with a focus on participant submissions.

Evening Update: Ukraine’s second-largest city under attack despite talks with RussiaAlso: Nova Scotia RCMP waited 12 hours before alerting public that a gunman was driving a lookalike police car, according to documents released for the first time as part of the Nova Scotia mass shooting inquiry.

NSUARB

Before you give up, it’s time to look forward that there is not just one, but two lights at the end of the tunnel- a merchant cash advance and a traditional business loan.

Between traditional loans and cash advances also exists certain differences and drawbacks, and an outcome of the comparison will show you that MCA easily gets the better of the two as a quick and efficient funding option.

TRADITIONAL BUSINESS LOANS. Quick and easy as a core characteristic of the funding process is appreciated by everyone- big and small companies alike.

Traditional business loans are undeniably lengthy and long processes.

Even loan repayment in traditional loans is riddled with challenges.

Once you take a traditional loan, you must repay even if your business did not receive any beneficial performance from it.

APPROVAL RATE. While banks look through your personal credit history to determine your traditional loan, MCA providers focus on your business revenue history.

Nova Scotia Utility And Review Board

The Nova Scotia Utility and Review Board or NSUARB is the independent tribunal and regulating arm of the Government of Nova Scotia.

NSUARB was established in 1992 following the amalgamation of the former Board of Commissioners of Public Utilities, the Nova Scotia Municipal Board, the Expropriations Compensation Board and the Nova Scotia Tax Review Board.

It is governed under the Utility and Review Board Act.

NSUARB reports directly to the Nova Scotia House of Assembly, currently through the Minister of Finance.

Electricity rates for Nova Scotia Power and other electrical utilities.

Remote Deposit Capture From Bank Of America Small Business

Spend less time depositing checks and more time running your business.

With Small Business Remote Deposit Online, you can use remote deposit capture technology to make multiple deposits to your small business account from your home or office for a low monthly fee.

Save yourself the time and hassle of taking paper checks to a financial center or ATM.Enjoy simplicity and security with the convenience of Online Banking.

If you’re a small business banking customer, select Remote Deposit Online link from the Business Services navigation menu.

If you’re a personal banking customer with small business accounts, select Scan checks to deposit link from your Account Details page.

Wells Fargo Commercial

When you deposit checks from your place of business, you can improve cash flow and receive information quickly while helping reduce the time, cost, risks, and waste resulting from physically transporting check deposits.

Using a certified scanner, computer, and Internet connection, or simply an iPhone, iPad, or Android device, you can deposit checks through the Commercial Electronic Office® portal or through the CEO Mobile® Deposit service.

Using your existing process to capture check images and data, you can create and securely transmit a file to Wells Fargo.

You have an extended deposit deadline for same-day ledger credit of 7 p.m. PT/ 10 p.m. ET. Lower bank fees.

You can consolidate banking relationships, which may save money on account maintenance fees, and help you reduce time reconciling multiple bank accounts.

An extended deposit image archive lets you view all your paper and electronic deposits online using the Transaction Search service.

Not only will your company save on the cost of transportation and insurance associated with taking checks to the bank for deposit, but you’ll also reduce your ecological footprint by eliminating CO2 emissions.

How Remote Deposit Capture Works

Remote deposit is a way to process payments without sending paper checks to your bank or credit union.

For details on making deposits to personal checking accounts, see How to Make Mobile Check Deposits.

Imaging: To deposit checks remotely, you need to capture an image of the check.

Data entry: Depending on your service provider, you may need to enter the amount of your deposit, or the remote deposit system may handle all of that for you.

A primary benefit of a remote deposit service is that you can ignore “Banking hours.” Most banks allow you to process your checks late into the evening to beat that day’s deposit cutoff time.

Banks and third-party service providers are eager to provide remote deposit capture services to businesses and consumers.

A mobile deposit doesn’t take any longer than a standard check deposit unless there are complications with the image.

Remote Deposit Capture Overview

What is Remote Deposit Capture? Remote Deposit Capture, in its most simple terms, is a service which allows a user to scan checks and transmit the scanned images and / or ACH-data to a bank for posting and clearing.

Checks you receive at your corporate or bank location can be scanned to create a digital deposit.

Checks are then typically provided to the corporation’s treasury area where ABC Corp. prepares a deposit.

With Remote Deposit Capture, instead of physically going to the bank to deposit the checks, ABC Corp. can now scan the deposit ticket and checks using a desktop scanner.

Once the check images are captured, an ACH file and/or an image-based deposit is prepared.

How, then does the bank clear items captured via Remote Deposit Capture? By re-printing the images and clearing those re-printed paper documents! These re-printed checks are called Image Replacement Documents.

Remote Deposit Capture is a “Disruptive” technology process enabled by the passage of the Check 21 legislation, as well as the ability to convert checks into ACH transactions.

Everyday made easier™ with Remote Deposit Capture 4 Growing customer base Small business customer attraction: Service-based businesses who receive low volumes of checks while working at a buyer’s location no longer have to make a trip to the branch to deposit the check, leaving them free to move on to the next job.

Questions like: What new products will align well with their bank? How to automate more processes and deposits? How will their legacy systems manage? Where to invest? How much or how little? When and where to focus after that? What is their tolerance for change with staff in the front and back office? What’s the resulting payback versus impact to their business? Branch transformation continues to evolve; The Fed 2013 Payment study estimates 83% of checks are still deposited as paper at the bank of first deposit, only a 4% decrease compared to the 2010 Fed Payments report.

Digital channels such as mobile can drive the deposit cost even lower and customers are enthusiastically embracing these products for their check deposits.

2 % Increase in the number of monthly deposits Using Mobile RDC 4.15 $ Per transaction Estimated cost difference between an in-branch versus mobile check deposit The numbers are compelling and resulting in a huge momentum among banks to offer a check deposit via mobile phone service to their customers.

6 Make customer convenience and choice your priority Alternative deposit channels are available for your customers to your branch or ATM network when you offer RDC. Whether a commercial client has a few or many checks daily, they can make deposits as they need using a check scanner at their workplace.

Cost reduction The focus here is taking deposits away from the branch so consider deposit channels of Commercial, Consumer, Mobile and ATM. Does the solution you are considering provide a single scalable platform to allow you to expand your RDC channels without having to manage multiple offerings from multiple vendors? Everyday made easier™ with Remote Deposit Capture 13 Check: Your check list Customer experience/loyalty Being able to successfully deposit checks from wherever it’s convenient for your customers; ATM, the branch, from business/home locations or on-the-go using mobile allows you to provide many alternatives to new and existing clients.

Everyday made easier™ with Remote Deposit Capture Risk management Does the solution you are considering provide a single scalable platform that can provide cross channel duplicate detection, flexibility in managing customer deposit limits, segments and tiers? As you establish your strategy for RDC, contact an NCR representative today to find out more about our experiences helping banks and financial institutions to deploy our remote deposit and payment imaging solutions in countries around the globe.

Special Purpose Acquisition Company Definition

Firstly, a company can go public through the SPAC route in a matter of months, while the conventional IPO process is an arduous process that can take anywhere from six months to more than a year.

Secondly, the owners of the target company may be able to negotiate a premium price when selling to a SPAC because the latter has a limited time window for making a deal.

An investor in a SPAC IPO is making a leap of faith that its promoters will be successful in acquiring or merging with a suitable target company in the future.

Venture capitalist Chamath Palihapitiya’s SPAC Social Capital Hedosophia Holdings bought a 49% stake in Virgin Galactic for $800 million before listing the company in 2019.

In August 2021 reports indicated that Ackman planned to liquidate the SPAC. Why Would a Company Go Public Through a SPAC and Not an IPO?

The owners of a target company may also be in a better position to negotiate a favorable price from a SPAC that has a limited time frame for making an acquisition, compared with another buyer like a private-equity firm, which may drive a hard bargain.

Some of the best-known companies to have become publicly listed by merging with a SPAC are: digital sports entertainment and gaming company DraftKings; aerospace and space travel company Virgin Galactic; energy storage innovator QuantumScape; and real estate platform Opendoor Technologies.

Special Purpose Acquisition Companies: An Introduction

Special Purpose Acquisition Companies are companies formed to raise capital in an initial public offering with the purpose of using the proceeds to acquire one or more unspecified businesses or assets to be identified after the IPO. From the beginning of 2014 through November 30, 2017, almost 80 SPAC IPOs have closed, raising approximately $19 billion in gross proceeds.

The IPO proceeds will be held in a trust account until released to fund the business combination or used to redeem shares sold in the IPO. Offering expenses, including the up-front portion of the underwriting discount, and a modest amount of working capital will be funded by the entity or management team that forms the SPAC. After the IPO, the SPAC will pursue an acquisition opportunity and negotiate a merger or purchase agreement to acquire a business or assets.

If the SPAC needs additional capital to pursue the business combination or pay its other expenses, the sponsor may loan additional funds to the SPAC. In advance of signing an acquisition agreement, the SPAC will often arrange committed debt or equity financing, such as a private investment in public equity commitment, to finance a portion of the purchase price for the business combination and thereafter publicly announce both the acquisition agreement and the committed financing.

SPACs are required to have a majority of independent board members under stock exchange listing requirements, subject to the same phase-in exceptions as are applicable to all newly public companies.

Prior to the closing of the IPO, the SPAC does not have sufficient cash to pay such fees, so the sponsor enters into a promissory note with the SPAC to loan funds to the SPAC until completion of the SPAC’s IPO. The promissory note covers any organizational or offering expenses until the SPAC can repay the loan from the proceeds of the IPO and sale of the founder warrants at the closing of the IPO. Sponsor Constituent Documents.

The sponsor is often a new limited liability company formed solely for the purpose of sponsoring the SPAC. The owners of the sponsor may document their relationship and relative participation in the SPAC, such as the relative amount of the founder warrant purchase price each will fund, and economic ownership of the founder warrants and founder shares in the constituent documents.

Super 8-K. SEC rules require that SPACs file a special Form 8-K within four business days following completion of a De-SPAC transaction.

Special Purpose Acquisition Company

A special purpose acquisition company is a corporation formed for the sole purpose of raising investment capital through an Initial Public OfferingAn Initial Public Offering is the first sale of stocks issued by a company to the public.

A special purpose acquisition company is formed by experienced business executives who are confident that their reputation and experience will help them identify a profitable company to acquire.

The founders provide the starting capital for the company and they stand to benefit from a sizeable stake in the acquired company.

The founders often hold an interest in a specific industry when starting a special purpose acquisition company.

A SPAC floats an IPO to raise the required capital to complete an acquisition of a private company.

At the onset of the SPAC registration, and pay nominal consideration for the number of shares that results in a 20% ownership stake in the outstanding shares after the completion of the IPO. The shares are intended to compensate the management team, who are not allowed to receive any salary or commission from the company until an acquisition transaction is completed.

Thank you for reading CFI’s guide to Special Purpose Acquisition Company.

What Is A SPAC? – Forbes Advisor

A SPAC is a special purpose acquisition company, also frequently called a blank check company.

SPAC IPO. SPACs go through the typical IPO process, although the sponsors don’t publicly identify companies they are eyeing for an acquisition, to avoid a more complicated process with the Securities and Exchange Commission.

A company might choose to go public through a SPAC versus an IPO because the process can be accomplished more quickly, with fewer associated costs and extensive financial disclosure requirements than an outright IPO. The two-year timeframe for SPACs gives sponsors an incentive to find an acquisition target and finalize a deal.

A company may also opt for a SPAC over an IPO to democratize the stock purchasing process.

As with any investment decision, there are pros and cons to investing in a SPAC. Investing in a SPAC amounts to a bet on the sponsors, their reputation and whether a successful deal will happen within two years.

Consider this: In between SPAC IPO and merger, the average return for SPAC investors has been 9.3% per year since 2010, according to figures from a January 2021 Goldman Sachs report.

Consider a SPAC ETF Instead. That’s why you might opt for a SPAC-focused ETF if you’re dead set on SPACs or want to add them to your portfolio for diversification.

Special Purpose Acquisition Companies

Summary: This guidance provides the Division of Corporation Finance’s views about certain disclosure considerations for special purpose acquisition companies, commonly referred to as SPACs, in connection with their initial public offerings and subsequent business combination transactions.

A SPAC is a company with no operations that offers securities for cash and places substantially all the offering proceeds into a trust or escrow account for future use in the acquisition of one or more private operating companies.

Following its initial public offering, or IPO, the SPAC will identify acquisition candidates and attempt to complete one or more business combination transactions after which the company will continue the operations of the acquired company or companies as a public company.

SPAC sponsors, directors and officers may not work exclusively on behalf of the SPAC to identify acquisition targets and they may have fiduciary or contractual obligations to other entities.

As a SPAC nears the end of that timeframe, its options may narrow, giving acquisition targets significant leverage in negotiating the terms of a business combination transaction.

The SPAC sponsors, directors and officers may have evaluated a number of potential acquisition candidates before presenting a business combination transaction to shareholders and they may have interests and incentives that conflict with the interests of public shareholders.

Have you clearly described any conflicts of interest of the sponsors, directors, officers and their affiliates in presenting this opportunity to the SPAC and how the SPAC addressed these conflicts of interest? If the SPAC had a policy to address conflicts of interest and waived any provisions of that policy, have you disclosed the waiver and the reasons therefor? Have you described any interest the sponsors, directors, officers or their affiliates have in the target operating company, including, if material, the approximate dollar value of the interest, when the interest was acquired and the price paid?

Merging And Acquisition Surges In B.C. Tech Industry

Merging Vancouver-based Canexia Health Inc. with Montreal’s Imagia Cybernetics Inc. was “About having the right people at the right time and the right place,” according to Geralyn Ochab.

The Canexia merger is by no means a one-off for B.C.’s tech sector as of late, with experts pointing to mounting macroeconomic pressures ahead serving as a major impetus for the recent surge of M&A activity.

M&A activity over the past month also delivered yet another unicorn to B.C.’s tech ecosystem after D-Wave Systems Inc. inked an agreement with special purpose acquisition company – better known as a SPAC – DPCM Capital Inc. that will see the two entities fall under the umbrella of a newly created parent company: D-Wave Quantum Inc. D-Wave Systems, the original quantum computing firm based in Burnaby, has landed a US$1.2 billion valuation as a result of the deal.

Once the deal is completed, the new company would trade on the NYSE under the symbol QBTS. “Tech has been on a tear over the past two years and, as indicated by the recent Nasdaq correction in the major tech stocks, [is] reaching over-heated territory,” Raffa said.

Another pandemic unicorn, Trulioo Information Services Inc., was on the other side of the action this month, acquiring Danish tech firm HelloFlow ApS. Trulioo declined to reveal the dollar figure attached to the deal, but the Globe and Mail reported it to be worth approximately $50 million.

The tech sector accounted for the most M&A activity across the country, with 140 deals during that same period compared with second-place industrials at 132 deals.

“There is often a symbiosis of sorts between smaller and earlier-stage tech companies as targets and larger companies as buyers. These tech targets bring IP and growth potential, which are leverageable by the acquirers,” he said in an email.

Special-Purpose Acquisition Company

SPACs generally trade as units and/or as separate common shares and warrants on the Nasdaq and New York Stock Exchange once the public offering has been declared effective by the SEC, distinguishing the SPAC from a blank check company formed under SEC Rule 419.

Each SPAC has its own liquidation window within which it must complete a merger or an acquisition.

The target of the acquisition must have a fair market value that is equal to at least 80% of the SPAC’s net assets at the time of acquisition.

To allow for stockholders of the SPAC to make an informed decision on whether they wish to approve the business combination, the company must make full disclosure to stockholders of the target business, including complete audited financials, and terms of the proposed business combination via an SEC merger proxy statement.

Conflicts of interest are minimized within the SPAC structure because all management teams agree to offer suitable prospective target businesses to the SPAC before any other acquisition fund, subject to pre-existing fiduciary duties.

In July 2007, Pan-European Hotel Acquisition Company N.V. was the first SPAC offering listed on the Euronext Amsterdam exchange, raising approximately €115 million.

Liberty is the third largest SPAC in the world and the largest outside the U.S.A. The first German SPAC was Germany1 Acquisition Ltd., which raised $437.2 million at Euronext Amsterdam with Deutsche Bank and I-Bankers Securities as underwriters.

What Is Customer Experience: Strategy, Examples, Tips

In short, customer service is just one part of the whole customer experience.

Customer service refers to specific touchpoints within the experience where a customer requests and receives assistance or help-for example, calling an operator to request a refund or interacting via email with a service provider.

Bad customer experience comes in many shapes and sizes, but we noticed a number of commonly-reported issues in our customer experience stats.

Ultimately what counts as poor customer experiences in your business will be unique-and you’ll only learn about it by opening the door to customer feedback, then working to minimize the impact of factors that cause a bad experience for your them.

You’re probably already collecting customer feedback without realizing it: when a customer sends an email, calls customer support, or leaves a review, that’s feedback.

A great customer experience example using NPS. Here is a practical example of what tracking a CX metric and acting on the insight can do for customer experience.

With customer experience kept very much front-of-mind, Taylor & Hart grew their NPS scores to over 80 and annual revenue followed suit and grew to €4.5M. Find more inspiration in these tips from 100+ CX experts on what else you need to deliver a great customer experience.

What Is Customer Experience & Why Is It Important

Typically, when people talk about customer experience they mean traditional sales and marketing touch points along the customer journey.

How we interact with brands has evolved and so too has customer experience.

Customer experience is many things, but it can broadly be described as the perception a customer or a B2B company has of a brand.

Brands who want to increase customer acquisition, customer loyalty, customer engagement and drive growth need to think about delivering more exceptional experiences.

Twenty years ago, the answer to “What is great customer experience?” would have been a straightforward explanation about optimizing touchpoints, mapping out customer journeys, and designing and producing covetable products that customers want.

With all these changes a big question is how important is customer experience in 2021 and beyond? CX has evolved, but that doesn’t mean the importance of customer experience is diminished.

From banking onboarding journeys for new customers to how clothing should be presented online, it’s increasingly difficult for brands to differentiate themselves with customer experience alone.

What Is Customer Experience?

A positive customer experience is crucial to the success of your business because a happy customer is one who is likely to become a loyal customer who can help you boost revenue.

How to Measure Customer Experience Analyze customer satisfaction survey results.

Using customer satisfaction surveys on a regular basis – and after meaningful moments throughout the customer journey – provides insight into your customers’ experience with your brand and product or service.

Customer experience management is the process of surveying, analyzing, and enhancing customer interactions with your business.

Customer experience management is a fundamental component of customer-first strategy because it demonstrates a clear investment in customer needs.

The most important part of creating a great customer experience is understanding the entire journey a customer takes.

HubSpot’s Service Software is a customer service platform that includes a variety of features used for customer experience management.

What Is Customer Experience?

How is customer experience different from customer journey?

Customer service is one of the elements that make up a positive customer experience.

Good customer experience should be consistent for all stages of the customer journey.

Customer experience customer analysis can be difficult because there are no dedicated CX metrics.

To find out more about different customer experience metrics, read our guide to measuring customer satisfaction.

Customer Experience Management is a set of processes linked with implementing a unique customer experience strategy.

Customer experience surveys and customer insight dashboards are available in the Professional Plan.

Customer Experience

Some companies are known to segment the customer experience into interactions through the web and social media, while others define human interaction such as over-the-phone customer service or face-to-face retail service as the customer experience.

In 1994 Steve Haeckel and Lou Carbone further refined the original concept and collaborated on a seminal early article on experience management, titled “Engineering Customer Experiences,” where they defined experience as “The ‘take-away’ impression formed by people’s encounters with products, services and businesses – a perception produced when humans consolidate sensory information.” They argued that the new approach must focus on total experience as the key customer value proposition.

Customer experience is the stimulation a company creates for the senses of the consumers, this means that the companies and that particular brand can control the stimuli that they have given to the consumers senses which the companies can then control the consumers reaction resulting from the stimulation process, giving more acquisition of the customer experience as expected by company.

According to Bernd Schmitt, “The term ‘Customer Experience Management’ represents the discipline, methodology and/or process used to comprehensively manage a customer’s cross-channel exposure, interaction and transaction with a company, product, brand or service.” Harvard Business Review blogger Adam Richardson says that a company must define and understand all dimensions of the customer experience in order to have long-term success.

Customer surveys, customer contact data, internal operations process and quality data, and employee input are all sources of “Voice of customer” data that can be used to quantify the cost of inaction on customer experience issues.

By understanding the latter, it is possible to design an optimal experience that meets the expectations of major customer groups, achieves competitive advantage, and supports the attainment of desired customer experience objectives.

Whereas customer experience encompasses the sum of all interactions between an organization and a customer over the entire relationship, sales experience is focused exclusively on the interactions that take place during the sales process and up to the point that a customer decides to buy.

Understanding Customer Experience

Customer experience encompasses every aspect of a company’s offering-the quality of customer care, of course, but also advertising, packaging, product and service features, ease of use, and reliability.

What Customer Experience Is. Customer experience is the internal and subjective response customers have to any direct or indirect contact with a company.

At each touch point, the gap between customer expectations and experience spells the difference between customer delight and something less.

In contrast, executives who rose through finance, engineering, or manufacturing often regard managing customer experience as the responsibility of sales, marketing, or customer service.

Typically a vigorous reaction to intelligence gathered on customer experience requires general management to orchestrate a response to customer problems.

Companies can monitor various patterns of interaction with customers to gain a better understanding of the customer experience they are providing.

Preventing further customer defections, they realized, would require customer experience goals for every stage of the value chain.

Customer Experience Platform

Leverage an in-house first-party data solution for the freedom to own and unlock the value of your customer data.

Honor customer privacy and build trust with built-in tools that store and manage consent on a secure platform with industry-leading compliance.

Gain valuable knowledge about how people interact with your website so you can augment and improve the customer experience.

Connect all aspects of customer experience-data, channels, content, and platforms-for consistent engagement across all touchpoints.

Orchestrate real-time journeys and campaigns based on customer actions to select the most relevant channel, delivery time, and content.

Enhance customer experiences across channels and exceed customer expectations through tailored product selections and relevant recommendations.

Akamaized.net/cms/api/am/imageFileData/RWNzf7?ver=9a84″,”ImageAlt”:”A preview of customer lifetime value in Customer Insights.

Polyhydroxyalkanoate

The biosynthetic pathways associated with the synthesis of PHAs in bacteria involve a specific class of enzymes known as PHA synthases that catalyse the polymerisation reactions.

PHA producing organisms can be classified into two groups, ones that produce PHAs during their growth and others that produce PHAs when grown in a nutrient-limiting condition.

SCL-PHAs tend to be hard, crystalline, and brittle polymers with high melting points whereas MCL- & LCL-PHAs are usually soft and elastomeric with lower melting points compared to SCL-PHAs.Blending two different types of PHAs or PHAs with synthetic or other natural polymers have generated novel biomaterials to suit specific biomedical applications.

With increasing research and development pertaining to large-scale production and optimisation of PHA production costs, the use of PHAs is likely to expand.

Cupriavidus necator is a bacterial strain able to synthesize a high crystalline polymer, poly(3-hydroxybutyrate), the most common of all PHAs; whereas Pseudomonas species produce PHAs with medium chain-length monomers, which exhibit elastomeric properties as natural rubbers.

PHAs with short pendant groups are prone to crystallization but exhibit stiff and brittle behavior, while PHAs with longer pendant groups are ductile.

The wide performance range of PHA copolymers justified additional scientific and industrial interest, which led to the discovery of further bacterial PHAs.

Polyhydroxyalkanoates

Polyhydroxyalkanoates or PHAs are polyesters produced in nature by numerous microorganisms, including through bacterial fermentation of sugars or lipids.

Once the population has reached a substantial level, the nutrient composition is changed to force the micro-organism to synthesize PHA. The yield of PHA obtained from the intracellular granule inclusions can be as high as 80% of the organism’s dry weight.

pBE2C1AB were used in production of polyhydroxyalkanoates and it was shown that they could use malt waste as carbon source for lower cost of PHA production.

PHA synthases are the key enzymes of PHA biosynthesis.

The two classes of PHA synthases differ in the specific use of hydroxy fatty acids of short or medium chain length.

Researchers in industry are working on methods with which transgenic crops will be developed that express PHA synthesis routes from bacteria and so produce PHA as energy storage in their tissues.

A PHA copolymer called PHBV for their development and commercialisation of a cost-effective method for manufacturing PHAs.

Polyhydroxyalkanoates: Opening Doors For A Sustainable Future

Although blending of PHA with starch or SA showed some potential for reducing the production cost and improving the mechanical properties, these blends are brittle and do not form intact films due to the incompatibility between the starch/SA and the PHA matrix.

Cellulose derivatives have attracted a significant amount of interest as blending components with PHA primarily due to their compatibility with PHA and their ability to enhance the degradation of PHA. Zhang et al.15 investigated the miscibility, crystallization and melting behavior and phase morphology of PHB/EC blends.

24 In another study, Saad analyzed the miscibility, melting and crystallization of PHB and oligo-3HB-diol blends using DSC.25 The thermograms of blends that contained 6 wt% oligo-3HB-diol showed behaviors that are characteristic of a single-phase amorphous glass state with a composition-dependent glass transition and depression in the equilibrium Tm of PHB. The negative value of the interaction parameter that was determined from the equilibrium melting depression confirmed the miscibility of the blend components.

The results indicated that the toughness and elongation at break of the blends significantly improved when 10% of PHA was added to PLA, which was attributed to an increase in the amorphous phase of the blends and caused unusually slow crystallization kinetics of finely dispersed PHA particles.

27 Recently, Furukawa et al.33 compared the properties between blends of PHB/PLA and PHBHHx/PLA. The results revealed that both the PHB/PLLA blends and PHBHHx/PLA blends were immiscible, but the PHBHHx/PLA blends were more compatible.

The crystallization temperature of PLA in the PHB/PLLA blend and PHBHHx/PLA blend shifted to a lower temperature and higher temperature, respectively, with an increased PHB or PHBHHx component in the blends.

The mechanical properties of PHBV/PCL blends showed increasing ductility of the blend samples with an increasing amount of PCL.37 Del Gaudio et al.38 developed PCL/PHBV blends using vascular grafts and compared the biological performance with the parent polymers.

Polyhydroxyalkanoates Or PHA

Polyhydroxyalkanoates or PHAs are linear polyesters produced in nature by bacterial fermentation of sugar or lipids.

They can be either thermoplastic or elastomeric materials, with melting points ranging from 40 to 180 °C. The mechanical and biocompatibility of PHA can also be changed by blending, modifying the surface or combining PHA with other polymers, enzymes and inorganic materials, making it possible for a wider range of applications.

Once the population has reached a certain level, the nutrient composition is changed to force the micro-organism to synthesize PHA. PHA is be stored by the micro-organisms.

The PHA can weight as much as 80 % of the organism’s dry weight.

The biosynthesis of PHA is usually caused by certain deficient conditions such as the lack of macro elements and the excess supply of carbon sources.

PHA polymers are thermoplastic; they become liquid at their melting point.

PHAs are soluble in halogenated solvents such chloroform, dichloromethane or dichloroethane.

In particular, the superior high temperature performance of PHAs significantly extends the addressable number of applications for bioplastics, beyond those which can be served by the most common bioplastic PLA. With costs now approaching parity with conventional polymers, overcoming manufacturing challenges is the last major hurdle preventing wide scale adoption of PHAs.

Homopolymers consist of one type of PHA throughout the entire structure – such as pure P3HB or P4HB. Copolymers on the other hand are made up of two or more different PHAs, randomly distributed throughout the structure of the polymer chain.

CH3 P(3HB-co-4HB) OH O produced PHAs are limited to using P3HB and one other PHA as the co-monomer.

A common misconception is that durable products End-of-life considerations are important when considering which applications are suitable for designing with PHA. PHA products can either be designed to enter the natural environment or to be treated in industrial composting facilities.

Inferred from patents and/or literature 06 POLYHYDROXYALKANOATES: PLASTIC THE WAY NATURE INTENDED? CAMBRIDGE CONSULTANTS HAS THE REQUIRED CAPABILITIES TODESIGN PRODUCTS, ENGINEER BACTERIAL STRAINS AND EVALUATE MARKET APPLICATIONS FOR PHAS. PHA bioplastics represent one example of many radical sustainable innovations which are decoupling business success from environmental impact.

S ynthetic biology to engineer industrial processes for PHA synthesis Using state-of-the-art facilities and techniques, our synthetic biology team fuses expertise in biology, chemistry Figure 7: Products that could be made from PHA. The items above include a variety of both consumable and durable products with very different physical and thermal requirements.

07 WHITE PAPER POLYHYDROXYALKANOATES: PLASTIC THE WAY NATURE INTENDED? REFERENCED DOCUMENTS This white paper is based on a full report “PHAs: Market opportunities and technical possibilities” written by Cambridge Consultants into the potential of PHA bioplastics.

UBS Asset Management Americas Inc. Boosts Stock Holdings In Black Knight, Inc.

UBS Asset Management Americas Inc. increased its position in shares of Black Knight, Inc. by 2.9% in the 3rd quarter, according to its most recent disclosure with the Securities & Exchange Commission.

UBS Asset Management Americas Inc. owned approximately 0.67% of Black Knight worth $74,432,000 as of its most recent SEC filing.

Geode Capital Management LLC increased its holdings in Black Knight by 18.3% in the third quarter.

King Luther Capital Management Corp increased its holdings in Black Knight by 2.4% in the third quarter.

Black Knight had a net margin of 14.09% and a return on equity of 14.03%. Black Knight’s revenue for the quarter was up 12.9% on a year-over-year basis.

Jefferies Financial Group cut Black Knight from a “Buy” rating to a “Hold” rating and dropped their price target for the company from $100.00 to $71.00 in a research report on Tuesday, February 8th. Zacks Investment Research upgraded Black Knight from a “Sell” rating to a “Hold” rating in a research report on Friday, February 18th. Wedbush dropped their price objective on shares of Black Knight from $85.00 to $70.00 and set a “Neutral” rating for the company in a research note on Thursday, February 17th. TheStreet cut shares of Black Knight from a “b-” rating to a “c+” rating in a research note on Wednesday.

Finally, Raymond James raised their price objective on shares of Black Knight from $83.00 to $91.00 and gave the stock an “Outperform” rating in a research note on Tuesday, November 9th. Three equities research analysts have rated the stock with a hold rating and two have given a buy rating to the company.

Frost Selects Black Knight’S Leading Empower And MSP Systems To Support Seamless Operations Across Origination And Servicing

PRNewswire/ – Today, Black Knight, Inc. announced that Frost, one of the 50 largest U.S. banks by asset size, has signed an agreement to use Black Knight’s integrated, end-to-end mortgage origination and servicing solutions, including the Empower loan origination system and the MSP loan servicing system.

Using the Empower system, Frost will be able to manage its origination operations with greater speed and efficiency, which will help the bank lower operational costs and deliver a seamless borrower experience.

As loans transition into servicing, Frost will use the comprehensive Black Knight MSP loan servicing system, which is integrated with the Empower LOS, to further facilitate smooth, customer-focused processes across the loan life cycle.

Frost’s support representatives also will be able to leverage the Black Knight Customer Service solution to access the detailed, holistic and timely information necessary to deliver exemplary service at the point of customer contact.

Customer Service is seamlessly integrated with both MSP and Black Knight’s Servicing Digital solution.

Finally, to further enhance both its origination and servicing operations, Frost will have the ability to implement Black Knight’s Actionable Intelligence Platform, which provides strategic and proactive analytics to the right individuals at the right time to help both lending and servicing clients gain and retain customers, reduce risk and decrease operational costs.

“Frost is an industry leader in customer service, and we’re excited to help it benefit from Black Knight’s proficiency in mortgage technology, data and analytics, and top-tier client support – from origination to servicing and beyond,” said Joe Nackashi.

Industry-Leading Subservicer, Cenlar FSB, Signs Long-Term Renewal For Black Knight’S Servicing And Default Suite Of Solutions

PRNewswire/ – Black Knight, Inc. announced today that Cenlar FSB, the nation’s leading residential mortgage subservicer, has renewed its contract to continue using Black Knight’s industry-leading MSP loan servicing system, in addition to Black Knight’s innovative Servicing Digital and default solutions.

“Black Knight’s commitment to investing in solutions that benefit our business, along with their industry- leading servicing solutions, have supported our operations, and their solutions easily scale to accommodate our business as it has expanded.”

The MSP servicing platform offers a robust and scalable end-to-end loan servicing system that helps clients manage all servicing processes, including loan onboarding, cash management, investor reporting, loss mitigation and default.

Cenlar also uses Black Knight’s suite of default capabilities, including Bankruptcy, Foreclosure, Invoicing and Claims solutions to help decrease cycle times, reduce costs, mitigate risk and improve operating efficiencies with the management of non-performing loans.

President of Black Knight and its Servicing Technologies division.

About Cenlar FSB Cenlar FSB is a federally chartered, employee-owned wholesale bank, servicing loans in 50 states and its U.S. territories.

About Black Knight Black Knight, Inc. is an award-winning software, data and analytics company that drives innovation in the mortgage lending and servicing and real estate industries, as well as the capital and secondary markets.

Black Knight, Inc.

Black Knight, Inc., formerly known as Black Knight Financial Services, is an American corporation that provides integrated technology, services, data and analytics to the mortgage and real estate industries.

On October 2, 2017, upon the completion of a distribution by Fidelity National Financial of its equity interest in Black Knight Financial Services, Inc., the company rebranded as simply Black Knight.

The mortgage business segment of Fidelity National Information Services was spun off in 2008 to become a fully independent, publicly traded company on the New York Stock Exchange, trading under the symbol LPS Jeffery Carbiener, Executive Vice President and Chief Financial Officer of Fidelity National Information Services at the time of the divide, became the first President and Chief Executive Officer of LPS. The 2010 robo-signing scandal exposed questionable behavior on the part of employees of a small subsidiary of the company.

On October 2, 2017, upon the completion of a distribution by Fidelity National Financial of its equity interest in Black Knight Financial Services, Inc., the company rebranded as simply Black Knight and began trading under the NYSE symbol BKI. In August 2018, Black Knight launched LoanSphere Actionable Intelligence Platform to provide lenders with actionable intelligence.

On November 4, 2019, Black Knight took the unprecedented step of taking legal action against one of its clients, PennyMac Financial Services for breach of contract and misappropriation of trade secrets.

Within 24 hours, PennyMac had filed a retaliatory lawsuit against Black Knight for alleged anti-competitive practices.

The PennyMac case has since been moved from the California court in which the mortgage lender and servicer had filed suit and to Florida, where Black Knight had filed the original complaint.

Black Knight: Record $4.4 Trillion In Mortgage Originations In 2021; Year Sees $1.2 Trillion In Cash-Out Refis As Homeowners Tap $275 Billion In Equity, A 16-Year High

PRNewswire/ – Today, the Data & Analytics division of Black Knight, Inc. released its latest Mortgage Monitor Report, based upon the company’s industry-leading mortgage, real estate and public records datasets.

In mortgage originations and the distinct shift to an equity-driven refinance market.

In a market dominated by equity-centric lending, it becomes paramount for lenders/servicers to be able to accurately identify borrowers who meet certain defined criteria and are most likely to tap into the record levels of equity, and then create targeted marketing campaigns personalized for those specific borrowers.

About the Mortgage MonitorThe Data & Analytics division of Black Knight manages the nation’s leading repository of loan-level residential mortgage data and performance information covering the majority of the overall market, including tens of millions of loans across the spectrum of credit products and more than 160 million historical records.

The combined insight of the Black Knight HPI and Collateral Analytics’ home price and real estate data provides one of the most complete, accurate and timely measures of home prices available, covering 95% of U.S. residential properties down to the ZIP-code level.

Black Knight’s research experts carefully analyze this data to produce a summary supplemented by dozens of charts and graphs that reflect trend and point-in-time observations for the monthly Mortgage Monitor Report.

About Black KnightBlack Knight, Inc. is an award-winning software, data and analytics company that drives innovation in the mortgage lending and servicing and real estate industries, as well as the capital and secondary markets.

Black Knight

Brokers are originating a larger and larger share of overall mortgage originations.

At the same time, there’s never been more brokers competing for the same customers, and the number entering the industry keeps growing.

WATCH this interview with Black Knight’s Nick Belenky as he discusses strategies loan officers should take to capture the attention and business of consumers.

Mortgage Originator Definition

A mortgage originator is the original mortgage lender and can be either a mortgage broker or a mortgage banker.

The mortgage originator is the first company involved in the creation of a mortgage.

Mortgage originators consist of retail banks, mortgage bankers, and mortgage brokers.

If the mortgage is not simultaneously sold into the secondary market at the time the borrower locks the interest rate, interest rates could change, which changes the value of the mortgage in the secondary market and, ultimately, the profit the originator makes on the mortgage.

The primary mortgage market is the initial marketplace where the borrower gets together with the mortgage originator, whether a bank, credit union or mortgage broker, to conduct a mortgage transaction.

Since a large percentage of newly originated mortgages are immediately sold into the secondary mortgage market, they might be counted by the institution that purchases the mortgage in the secondary market as an origination, thus double-counting the origination.

Mortgage bankers and mortgage brokers represent two of the most common types of mortgage originators.

What Is The Mortgage Loan Origination Process?

Mortgage origination is the process by which a borrower applies for a home loan, along with all of the stages leading up to the borrower getting the keys to the home.

During this part of the loan origination process, you provide specific financial documents to your lender, as well as undergo a credit check, so the lender can determine if you are a creditworthy borrower.

During the application process, you will receive a loan estimate, a document detailing all of the costs of the loan you applied for.

During loan processing and underwriting, the lender and underwriters assess your information, sometimes called your risk profile, to see how much of a mortgage you can handle and pay back on time.

An origination fee “Is typically a percentage of the loan amount,” Rouse says, and one of the ways lenders cover their costs for handling the loan.

Fairly common is 1 percent – for instance, you’d be charged a $2,000 origination fee on a $200,000 loan – but it can vary from lender to lender and by market.

Note there are different types of lenders – national banks, community banks, credit unions, mortgage brokers, mortgage bankers and online lenders.

Overview, Types, And Duties

A mortgage originator is a person or institution that works with clients and helps them with the completion of a mortgage loan transaction.

The most popular types of mortgage originators are mortgage brokers and mortgage bankers.

A mortgage borrower or applicant connects with a mortgage originator, who then educates themselves on the financial circumstances of the potential borrower by asking questions about the client’s house purchasing needs.

Similar to a mortgage broker, the mortgage originator compiles the documents required for the application process from the client and submits the documentation.

The mortgage originator also assists the client with any issues that may arise due to the potentially negative credit history of the client or other reports that can impact the approval of the mortgage application.

The interest rate fluctuation can impact the value of the mortgage and alter the returns that the originator can derive on the mortgage.

On top of these duties, a mortgage originator administers the loan application process and estimates the rates and pricing related to the mortgage.

Mortgage Origination

In consumer lending, mortgage origination, a specialized subset of loan origination, is the process by which a lender works with a borrower to complete a mortgage transaction, resulting in a mortgage loan.

A mortgage loan is a loan in which property or real estate is used as collateral.

The mortgage origination, a subset of loan origination, is a complex and evolved process that involves many steps, which varies from lender to lender.

Underwriting: determining if the risk of offering a mortgage loan to a particular borrower under certain parameters is acceptable, and includes verification, appraisal, title search and insurance, flood certification, and surveying.

Closing/funding: a settlement agent manages the logistics of providing borrowers final loan documents for review and signing, releasing and wiring the funds, and recording the mortgage at which point the mortgage is official.

Loan Origination System: the platform that takes a completed loan application and facilitates the mortgage transaction from processing to shipping.

Mortgage origination services: Services that are used throughout the mortgage origination process and include appraisal, pricing, flood, fraud, title, and credit checks.

Mortgage Origination Fee: The Inside Scoop

If a mortgage truly has no origination fees, you’ll end up paying a higher interest rate over the course of the loan in most cases.

If the interest rate isn’t any higher, the lender is likely just calling the fee something else, like an underwriting or processing fee.

In many cases, this is exactly what the origination fee is meant to cover, so it’s the same thing.

While most mortgage fees not related to the interest rate that you would get are closing costs, there are others.

You pay for this privilege in the form of a rate lock fee.

Underwriting or processing fees: If you see an underwriting or processing fee instead of an origination fee, it’s an origination fee masquerading as something different.

If there truly is no origination fee – and for the purposes of this discussion, let’s include fees serving a similar purpose that go by a different name in that category – the lender is likely to make up for it by charging you a higher interest rate to make more money on the back end of the loan.

Mortgage Origination Data, Benchmarking & Lending Profiles

Easily segment by product types and borrower attributes.

Explore top national lenders or drill down to specific metros to see who is competitive.

Instantly see performance through interactive charts and tables.

Origination Data provides a comprehensive view of mortgage lenders, their fees, rates and general performance across markets.

We provide an objective perspective- we do this by showing every lender, not just those who pay to be included.

ANGKOR RESOURCES Stock Price Today

Free Float in %. Angkor Resources Corp. operates as an exploration company, which engages in the exploration of minerals and oil & gas properties.

The company was founded on October 16, 2008 and is headquartered in Sexsmith, Canada.

Moody’s Daily Credit Risk Score is a 1-10 score of a company’s credit risk, based on an analysis of the firm’s balance sheet and inputs from the stock market.

The score provides a forward-looking, one-year measure of credit risk, allowing investors to make better decisions and streamline their work ow.

Updated daily, it takes into account day-to-day movements in market value compared to a company’s liability structure.

Shareholder percentage totals can add to more than 100% because some holders are included in the free float.

Bank Of China Stock Forecast, Price & News

Bank of China Limited, together with its subsidiaries, provides banking and related financial services.

The Corporate Banking segment offers current accounts, deposits, overdrafts, loans, trade-related products and other credit facilities, foreign exchange, derivatives, and wealth management products to corporate customers, government authorities, and financial institutions.

The Personal Banking segment provides savings deposits, personal loans, credit and debit cards, payments and settlements, wealth management products, and funds and insurance agency services to retail customers.

The Treasury Operations segment is involved in the foreign exchange transactions, customer-based interest rate and foreign exchange derivative transactions, money market transactions, proprietary trading, and asset and liability management.

The Investment Banking segment offers debt and equity underwriting, financial advisory, stock brokerage, investment research and asset management, and private equity investment services, as well as sells and trades in securities.

The Insurance segment underwrites general and life insurance products; and provides insurance agency services.

Bank of China Limited is a subsidiary of Central Huijin Investment Limited.

Clean Harbors

They do the dirty, difficult and dangerous work that keeps our world clean and safe.

For 40 years, our people have worked to protect our wonderful world.

Clean Harbors recognizes that sustainability stewardship is a core aspect of our brand and a key component of our long-term business success.

Sustainability is our responsibility to the environment, society and the economy.

We are committed to working with stakeholders to enhance business value while minimizing negative impacts and seeking opportunities for improvement.

Clean Harbors Portal

Clean Harbors owns and operates computer systems and networks to support the Company’s business activities.

These systems are used to improve Company cost-effectiveness and competitiveness, to make Company employees more productive, and to foster open and efficient business communication both internally and externally.

Improper use of computer resources includes, but is not limited to, the use of Company-owned and/or operated computer systems, devices and networks for the purpose of gaining unauthorized access to internal or external computer systems or accounts, for personal purposes that interfere or compete with the Company’s business activities, or for purposes of individual financial gain.

The improper use of Company computer systems also includes our internal and external e-mail system and the Internet.

The software used to change passwords will screen for most of these guidelines as an aid in creating secure passwords.

Password Expiration:Users will be required to change passwords every ninety days.

While password changes can be more often, they should occur whenever there is a belief that the password has been compromised.

Clean Harbors/HydroChemPSC Hiring Industrial Cleaning Technicians

Clean Harbors/HydroChemPSC is hiring industrial cleaning technicians in a UAW-represented plant.

If you don’t have experience, it’s not a problem! Paid training is provided, and all you need to bring is an eager, teachable attitude.

Paid CDL. Start laying the foundation for a great career with training, good pay, benefits, tuition reimbursement, and more.

Clean Harbors Partners With Thad Moffitt At Las Vegas Motor Speedway

GMS Racing is proud to announce a new multi-race partnership with Clean Harbors, North America’s leading provider of environmental and industrial services.

The partnership, which will include primary sponsorship on Thad Moffitt’s No. 43 Chevrolet in the NASCAR Camping World Truck Series, will first be showcased at Las Vegas Motor Speedway on Friday night.

Thad Moffitt will make just his second-career NCWTS start driving the Clean Harbors Silverado RST, coming two weeks after his series debut at Daytona, which resulted in a solid 18th-place finish.

Through its subsidiary Safety-Kleen, Clean Harbors has been one of Petty’s longest partners – first providing the shop with parts washers in 1973.

“We’ve watched and backed Thad as he’s risen through the ranks year after year. We’re incredibly proud that he’s taking this next step into the Truck Series,” said Buddy Judy, Clean Harbors director of motorsports.

“We’re especially excited to see him compete this year as the driver of the iconic No. 43. It’s a historic moment for the sport and, for the Clean Harbors family, it’s a full-circle realization after being partners with Thad’s grandfather and the Petty family for so long.”

Moffitt will compete in a hybrid schedule in 2022 which will include the NASCAR Camping World Truck Series, ARCA Menards Series and Trans AM. Additional details of Moffitt’s schedule along with further partnership announcements, will be forthcoming.

Clean Harbors

Clean Harbors expanded to offer emergency hazardous waste cleaning services and industrial waste disposal, as well as ongoing management of hazardous material sites.

Clean Harbors held its initial public offering offering of one million shares at $9 a share on the NASDAQ on November 24, 1987.

In 1998, Clean Harbors Industrial Services was established as division to handle in-plant cleaning and maintenance services, including chemical cleaning, vacuuming, steam cleaning and hydroblasting of chemical processing equipment.

Over the years Clean Harbors has continued to expand through organic growth and approximately 35 acquisitions.

Today, Clean Harbors has a substantial presence in oil and gas oilfields and refinery operations and used oil recycling and re-refining while maintaining and growing its environmental and industrial services business lines.

Over the years Clean Harbors has completed the purchase of more than 35 companies or substantial divisions of companies.

2021 – HydroChemPSC. On May 20, 2003, Clean Harbors revised previously announced treatment of the non-cash cumulative effect of adopting SFAS No. 143 from a $34 million non-cash tax effected gain, to a reduction of the purchased value assigned to the CSD assets of $46.5 million.

Clean Harbors is the leading environmental, industrial and emergency response provider in North America.

Be sure to tune into tonight at 9 p.m. EST to see take the wheel of the new No. 43 Clean Harbors truck at !.

Wave hello to the No. 43 Clean Harbors truck! How do you like it?

Black History Month is coming to a close but, as a company and with the help of the Clean Harbors Black Affinity Employee Resource Group, we vow every month to empower Black voices at the workplace and in our communities.

EVP Loan Mansy spoke to about how Clean Harbors keeps drivers engaged: “We discuss how they are doing and their career aspirations. Many of our executives, including our CEO and COO, were drivers at the beginning of their careers here.”

It’s with continued dialogue, education, connections, recognition, and more, that we make meaningful progress in advancing gender diversity in the industry! #WomenInTruckingIt’s not too often we attend conferences with a dance party… Since Clean Harbors was founded in 1980, we naturally decided to represent the ’80s at the ‘s “Dancin’ Through the Decades” #WIT2021 reception.

Clean Harbors’ Executive Vice President of Sales and Service, Loan Nguyen Mansy, will be on a panel discussing “The Corporate Culture Factor: Productivity and Longevity for Women in the Workplace” at the ‘s Accelerate! Conference on Monday in Dallas.

Clean Harbors

Clean Harbors is the leading provider of environmental, energy and industrial services throughout North America.

Be sure to tune into FS1 tonight at 9 p.m. EST to see Thad Moffitt take the wheel of the new No. 43 Clean Harbors truck at Las Vegas Motor Speedway!3個回應Sheri E Reid.

Hope you had a terrific run, cheering from Clean Harbors in Fort McMurray, Alberta.

15 Best All-Terrain Vehicles For Sale In 2022

Primarily designed for off-road use, ATVs or All-Terrain Vehicles are motorized vehicles meant to scratch your recreational itch.

Thanks to their rugged, sturdy, and multi-faceted builds, all-terrain vehicles can take on off-road jobs that cannot be handled by regular vehicles.

Plus, it doesn’t hurt that this ATV is stunning to look at and will garner a lot of attention from people on the road. Tracked All Terrain Vehicles.

The tracked system helps heavy machinery in minimizing vibration, while the lightweight frame of these vehicles imparts the strength and power needed to self-clean mud, debris, and snow easily.

Tinger Track S500 ATV. This is a multi-purpose off-road vehicle that does the job of five different automobiles – it possesses the snow-resistance of snow mobiles, the amphibious properties of amphibious ATVs, the ability to cross swampy areas like a swamp buggy, toughness against bad terrain like a quad bike, and transportation and work capabilities like a tractor.

These types of vehicles boast enhanced speed over regular ATVs and responsive engine systems.

All of these vehicles are available in the market, and you can compare their specifications and testimonials to get a better idea about the one that will suit your lifestyle.

10 Best All-Terrain Vehicles To Buy

While immensely popular today, purpose-built all-terrain vehicles have only existed for half a century, beginning with the amphibious six-wheeled, balloon-tired Jiger in 1961, roughly a decade before the release of the first-ever mass-produced ATV with the Honda ATC90.

In the years that have followed, these rugged off-road machines have become even truer in name, gaining increasingly competent performance and giving way to vehicles with genuine go-anywhere capabilities.

It’s this group of machines that we’ll be exploring today in this guide to the best all-terrain vehicles.

Traits For Any Terrain The Factors To Consider When Buying An ATV Or SxS. Buying an all-terrain vehicle is a markedly different experience than buying any type of road-going machine, as they are built for drastically different uses.

Ride Height & Ground Clearance: Determined by the suspension setup and chassis, the distance at which a vehicle sits up off the ground will play a huge role in the machine’s ability to traverse obstacles and different types of terrain.

With their featherweight, nimble handling, and ample suspension travel, dirt bikes already represent some of the most capable go-anywhere vehicles on earth, though the off-road experts over at Christini have taken this concept to the next level, gifting a top-of-the-line 450cc four-stroke dirt bike with a proprietary all-wheel-drive system before decking the machine out in an array of upgraded hardware and componentry.

Interested in checking out an array of genuinely off-road-capable vehicles that also boast street-legal status? Then be sure to cruise on over to our guide to the best adventure motorcycles for a dozen on- and off-road-friendly touring and off-road-capable two-wheelers.

Best All-Terrain Vehicles Of 2022

Since there are many models of ATV’s to choose from, it is important to take the time to find the right ATV for you.

Not every ATV is created equal, each is built with different designs and features and they are created for specific purposes.

Some ATV’s are created for racing, these vehicles are designed for speed and not utility.

Features – In addition to size, there are many other variables that separate one ATV from another.

Talk to your ATV dealers and fully test new features to determine if they are right for you.

Price – Intended use, size, and additional features are all factors that affect the price of an ATV. Once you nail down the first three factors, then you can look at what budget will fit into your category parameters.

If you are likely to upgrade to a larger machine in the next year or so, it is probably a better decision to make a bigger purchase now and use it for years to come, rather than lose money from the depreciation of selling your smaller used ATV. As you prepare for the purchase of your new All-Terrain Vehicle, factors such as intended use, size, features, and price will help in choosing a great ATV for your needs and budget!

Amphibious All-Terrain Vehicles

Long before there were four-wheel all-terrain vehicles and utility vehicles, the off-road world was dominated by amphibious, six-wheel drive machines – the first true ATVs! MAX ATVs have been out there, crawling through and over just about anything in their path, since 1969.

We are very excited to have acquired the highly successful Recreatives Industries MAX range of 6×6 Amphibious All-Terrain Vehicles.

The MAX range of Amphibious ATVs offers a family of solutions that can meet any requirement.

The MAX range comprises the Max II, the MAX IV with an extended chassis and body-form capable of carrying four passengers, and the Buffalo All Terrain Truck which is a rugged utility vehicle offering room for two passengers plus hydraulically tilting flat bed load-carrying capacity.

MAX ATVs exert less than three pounds per square inch of ground pressure fully loaded compared to that of a person, which will typically be 7 pounds per square inch or a 4-wheel drive Jeep at 28 pounds per square inch.

This enables MAX to cross terrain over which it would be difficult even to walk.

Add the MAX Track Kit and ground pressure is reduced to around one pound per square inch, fully loaded! MAX with tracks is truly mobile all year-round on snow, mud and marsh.

All-Terrain Vehicle

The term “ATV” was originally coined to refer to non-straddle ridden, typically six-wheeled, amphibious ATVs, such as the Jiger produced by the Jiger Corporation, the Amphicat produced by Mobility Unlimited Inc, and the Terra Tiger produced by the Allis-Chalmers Manufacturing Company in the mid 1960s and early 1970s.

In 1973, Honda would trademark the term “All Terrain Cycle”, applying the moniker to all Honda produced Three-wheeled ATVs, and creating the universal name which now associated with all vehicles of this type.

ATCs require unique techniques to ride properly, and turning lean requires more exaggeration than ATVs; Throttle steering is another technique commonly used on ATCs in soft terrain and at high speeds, leaning to the inside of the turn and manipulating the throttle to break traction with the rear tires, resulting in the machines turning on axis while maintaining a forward direction.

The United States government maintains a website about the safety of ATVs where safety tips are provided, such as not driving ATVs with a passenger or not driving ATVs on paved roads.

In 1988, the All-terrain Vehicle Safety Institute was formed to provide training and education for ATV riders.

Effective January 1, 2019, the United States Consumer Product Safety Commission updated ATV lighting requirements, now requiring all categories of ATVs to be equipped with a stop lamp and side reflectors, similar to those required on passenger cars.

ATVs registered as an automobile have to be restricted to a power output of 20 hp/15 kW and are allowed to be driven with a passenger, provided a passenger seat is registered in the vehicle papers.

Melrose Industries

Melrose Industries plc is a British manufacturing company that specialises in buying, investing in, and divesting engineering companies.

Melrose has acquired, and in some cases also sold on, numerous engineering companies, including Dynacast, McKechnie, FKI, Elster, Nortek, and GKN. Its acquisition techniques have allegedly included hostile takeover tactics; Melrose has also been publicly criticised for issuing high paying performance linked incentive schemes to its top executives.

In 2003, Melrose Industries was launched on London’s Alternative Investment Market with an initial market capitalisation of £10m; it had been established that same year by three individuals: David Roper, Christopher Miller and Simon Peckham.

During June 2012, Melrose sold McKechnie Plastic Components to Swedish firm Rosti for £30.7m. During August 2012, it acquired Elster, a metering business, for $2.3bn. In July 2015, Melrose sold Elster to American engineering conglomerate Honeywell in a £3.3bn deal; of this windfall, £2bn was distributed to Melrose’s investors while the remainder went to other corporates purposes, including debt reduction.

On 29 September 2015, Melrose Industries incorporated a new corporate structure.

During January 2018, Melrose Industries announced its plans to purchase GKN as well as the firm’s restructuring thereafter; that same month, GKN’s management rejected the initial bid made.

In October 2019, Melrose Industries announced the appointment of Funmi Adegoke to its Board as an inaugural independent non-executive Director.

Melrose Industries

The FTSE 100 is keeping its head above water – just.

It is trading up 7.12 points at 7,649.11.

Copper miner Antofagasta continues to lead the fallers with its share price down 5.7% at 898.3p. Investment firm Melrose is the biggest riser, up 2% at 221.3p. The FTSE 250 is up 0.21% at 20,617.

Share Price, Company News & Analysis

Melrose Industries acquires underperforming industrial companies.

Deals are individually financed through new equity with proceeds returned in cash post value realisation.

Melrose has a proven track record for its ‘buy, improve, sell’ strategy having completed four transactions since 2005 generating an IRR for shareholders of c 20%. The latest transaction, GKN, which was acquired in 2018, is well advanced in restructuring suggesting it will enter the disposal and value realisation phase in 2022/23.

Edison’s sum-of-the-parts on disposal and discounted back to 2021 suggests a valuation of 226p per share.

GKN’s two key markets are aerospace and automotive, both of which were hit hard by the pandemic, affecting Melrose’s results, but are now recovering albeit automotive is suffering from supply chain issues, primarily a shortage of chips.

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Melrose Industries Share Forecast, Price & News

Melrose Industries PLC engages in the aerospace, automotive, powder metallurgy, air management, and other industrial businesses in the United Kingdom, rest of Europe, North America, and internationally.

Its Aerospace segment provides airframe and engine structures, and electrical interconnection systems for the aerospace industry in civil airframe and defense platforms.

The company’s Automotive segment designs, develops, manufactures, and integrates driveline technologies; and epowertrains and intelligent all-wheel drive systems.

Its Powder Metallurgy segment offers precision automotive components and components for industrial and consumer applications; metal powder for powder metallurgy; and additive manufacturing parts for prototypes.

The company’s Nortek Air Management segment manufactures and sells ventilation products for the professional remodeling and replacement, residential new construction, and consumer DIY markets.

The company was formerly known as New Melrose Industries PLC and changed its name to Melrose Industries PLC in November 2015.

Melrose Industries PLC was founded in 2003 and is headquartered in London, the United Kingdom.

Melrose Industries Will Pay A Larger Dividend Than Last Year At UK£0.01

Melrose Industries PLC’s dividend will be increasing to UK£0.01 on 20th of May. This makes the dividend yield 14%, which is above the industry average.

While the company has been paying a dividend for a long time, it has cut the dividend at least once in the last 10 years.

Since 2012, the dividend has gone from UK£1.36 to UK£0.02.

A sharp decline in earnings per share is not great from from a dividend perspective.

Overall, while the dividend being raised can be good, there are some concerns about its long term sustainability.

The dividend doesn’t inspire confidence that it will provide solid income in the future.

Is Melrose Industries not quite the opportunity you were looking for? Why not check out our selection of top dividend stocks.

Melrose Nameplate & Label Co.

Melrose has served American manufacturers for 80 years.

Melrose is the destination for custom product identification and human-machine interface products, with more than 100 engineers across three locations.

SUPERIOR SERVICE. Customers select Melrose-and keep coming back- because of the superior quality of our products, our technical know-how, our nimble and responsive work processes, and our competitive costs.

CERTIFIED QUALITY. The quality of our services is proven by our customer stories and our list of certifications and licenses.

Our quality certifications are not pieces of paper, they are the heart of our company philosophy.

Contact us today! get a quote Our work crosses into different industries-always hallmarked by the same Melrose quality.

We are the nameplate and HMI supplier that brands turn to when they have built their own reputation on quality and innovation.

Melrose To Return £730m To Shareholders

Melrose Industries will return £730m in cash to shareholders from the proceeds of the sale of the buyout group’s US air conditioning unit.

“We have taken a conservative view for the level of the current return of capital, but if markets continue to recover, we expect to announce a further significant return next year,” said Melrose’s chief executive Simon Peckham.

The group has in the past generated substantial returns for executives and shareholders through its focus on buying underperforming manufacturing businesses, restructuring them and selling them on.

Melrose stripped out central management functions and invested in new products at Nortek to help improve its profitability.

The disposal is Melrose’s largest deal since its controversial takeover in 2018 of GKN for £8bn. The £100m injection into GKN’s pension, already flagged in April, will reduce the funding deficit to about £200m. Melrose said it continued to trade in line with expectations ahead of interim results on June 30.

Melrose struck a more upbeat tone than previously about the prospects of a recovery for the aerospace sector, which has been among the hardest hit from the collapse in international travel in the wake of the pandemic.

Peckham has previously said the group would return to look at acquisitions once the Nortek sale was finalised.

Cloud Computing Services

For developers, data scientists, solutions architects, or anyone interested in learning how to build on AWS today.

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Amazon Web Services

Amazon Web Services is the world’s most comprehensive and broadly adopted cloud offering, with more than 200 fully featured services available from data centers globally.

Millions of customers-including the fastest-growing startups, largest enterprises, and leading government agencies-are using AWS to lower costs, increase security, become more agile, and innovate faster.

Amazon Web Services

According to Brewster Kahle, co-founder of Alexa Internet which was acquired by Amazon in 1999, his start-up’s compute infrastructure helped Amazon solve its big data problems and later informed the innovations that underpinned AWS. Jassy assembled a founding team of 57 employees from a mix of engineering and business backgrounds to kick-start these initiatives, with a majority of the hires coming from outside the company; Jeff Lawson, Twilio CEO, Adam Selipsky, Tableau CEO, Mikhail Seregine, co-founder at Outschool among them.

Y Jassy, AWS founder and vice president in 2006, said at the time that Amazon S3 “Helps free developers from worrying about where they are going to store data, whether it will be safe and secure, if it will be available when they need it, the costs associated with server maintenance, or whether they have enough storage available. Amazon S3 enables developers to focus on innovating with data, rather than figuring out how to store it.” Pi Corporation, a startup Paul Maritz co-founded, was the first beta-user of EC2 outside of Amazon, whilst Microsoft was among EC2’s first enterprise customers.

In November 2010, it was reported that all of Amazon.com’s retail sites had migrated to AWS. Prior to 2012, AWS was considered a part of Amazon.com and so its revenue was not delineated in Amazon financial statements.

In January 2015, Amazon Web Services acquired Annapurna Labs, an Israel-based microelectronics company reputedly for US$350-370M. In April 2015, Amazon.com reported AWS was profitable, with sales of $1.57 billion in the first quarter of the year and $265 million of operating income.

In January 2018, Amazon launched an autoscaling service on AWS. In November 2018, AWS announced customized ARM cores for use in its servers.

On June 29, 2012, several websites that rely on Amazon Web Services were taken offline due to a severe storm in Northern Virginia, where AWS’ largest data center cluster is located.

A majority of websites which relied on AWS S3 either hung or stalled, and Amazon reported within five hours that AWS was fully online again.

Amazon Web Services Tutorial

Amazon Web Services is Amazon’s cloud web hosting platform that offers flexible, reliable, scalable, easy-to-use, and cost-effective solutions.

This tutorial covers various important topics illustrating how AWS works and how it is beneficial to run your website on Amazon Web Services.

This tutorial is prepared for beginners who want to learn how Amazon Web Services works to provide reliable, flexible, and cost-effective cloud computing services.

To benefit from this tutorial, you should have the desire to understand how Amazon Web Services can help you scale your cloud computing services.

Amazon Web Services

Amazon Web Service is a supplementary of Amazon.com.

Based on SOA standard, and SOAP, REST and HTTP transfer protocols, furthermore open – source and commercial OS, browser-based software and application servers are running by Amazon Web Service.

These services get operated from twelve different geographical locations and among them, the best-known is the Amazon’s Elastic Compute Cloud and Amazon’s Simple Storage Service.

AWS has more than seventy services including storage, compute, database, networking, application service, mobile, management, developer’s tools and IoT. Understanding Amazon’s Web – Services.

A number of tools are used to support Amazon’s web services.

Amazon Simple Notification Service is used to publish message from an application.

A large number of services and utilities also support Amazon partners, i.e., the AWS infrastructure itself.

Private Network

In Internet networking, a private network is a computer network that uses a private address space of IP addresses.

Private network addresses are not allocated to any specific organization.

Hosts on different sides of a network bridge are also on the same link, whereas hosts on different sides of a network router are on different links.

Their utility is in zero-configuration networking when Dynamic Host Configuration Protocol services are not available and manual configuration by a network administrator is not desirable.

If a host on an IEEE 802 network cannot obtain a network address via DHCP, an address from 169.254.1.0.

In both cases, private addresses are often seen as enhancing network security for the internal network, since use of private addresses internally makes it difficult for an Internet host to initiate a connection to an internal system.

Since the private IPv4 address space is relatively small, many private IPv4 networks unavoidably use the same address ranges.

What Is A Private Network?

What Does Private Network Mean? A private network is any connection within a specified network wherein restrictions are established to promote a secured environment.

Only a selected set of devices can access this type of network depending on the settings encoded in the network routers and access points.

Techopedia Explains Private Network A private network is more of a usage designation rather than a proper network type or topology.

There is not much of a technical difference between a private and a public network in terms of hardware technology and infrastructure, except for the way that access rights and security measures are set up.

It is more complicated to set up a private network due to all the security measures and access restrictions that need to be put in place; sometimes even extra hardware not that’s not required on public networks is used.

Private networks are most preferred in businesses and private organizations because they provide high security for vital information.

Lastly, high-security hardware and applications like firewalls need to be installed, as they can greatly help in making the network private and secure.

Virtual Private Networks Explained

A virtual private network, better known as a VPN, gives you online privacy and anonymity by creating a private network from a public internet connection.

A virtual private network is a key privacy tool that you should use when you’re logging onto the internet from a public place such as a coffee shop, hotel lobby, or any other spot that offers access to free public Wi-Fi. A VPN creates a type of tunnel that hides your online activity, including the links you click or the files you download, so that cybercriminals, businesses, government agencies, or other snoops can’t see it.

What’s the best way to choose a virtual private network? Here are some questions to ask when you’re choosing a VPN provider.

A VPN client makes it easier for users to connect to a virtual private network.

VPN providers use these protocols to make sure that users are able to connect securely to a virtual private network.

You might sometimes hear your virtual private network referred to as a VPN tunnel.

A virtual private network, better known as a VPN, protects your identity and browsing activity from hackers, businesses, government agencies, and other snoops.

A Private Network Vpn?

Creating a virtual private network makes use of public internet traffic to create a completely private internet connection for privacy and anonymity.

Your online behavior is virtually nontraceable because VPNs mask your internet protocol address.

How Do I Get A Private Vpn? There should be a little icon next to VPN in Settings > Network & Internet > Advanced > VPN. The first thing Google notices when you do it on a new phone or if you haven’t yet set up screen locks or passwords for your devices is it promptes you to set up one.

How Do I Setup A Vpn On A Private Server? Make sure that your router allows the VPN entry so that you can access it.

Create the server’s key and certificate pair, with the key from the server and the certificate from the server.

For installation and configuration of OpenVPN, follow these steps.

High-Bandwidth Communications And Internet

“The Newman Center – St. Thomas Aquinas Church is extremely pleased and appreciative of our partnership with Unite Private Networks. Over the past year, the Newman Center converted its phone service and increased its internet bandwidth with UPN. Throughout the process, UPN’s level of proactive, customer-focused service made our transition seamless and stress-free.”

Each February the Newman Center hosts its annual phone-a-thon campaign which features fourty student volunteers calling our benefactors.

Unite Private Networks provided us with incredible phone service throughout.

The clear, reliable service was terrific – the backbone to one of our most successful phone-a-thons yet! We were thrilled.

All of the Newman Center’s liturgies, student events, and public gatherings were abruptly cancelled.

Almost immediately, UPN stepped up – once again – by rapidly deploying increased internet bandwidth, enabling our ministries to become 100% digital.

UPN’s Internet service kept our Virtual Newman running smoothly throughout.

Hotspot Shield: Fastest VPN For Streaming, Gaming & More

Stay anonymous with military-grade encryptionHotspot Shield encrypts your connection and doesn’t log any data that could be tied to you, shielding your identity and info from hackers and cyber predators.

“One of the easiest VPNs to set up and use”.

Unlock worldwide content with over 115+ virtual locationsWith servers across 80+ countries and 35+ cities, our proprietary Hydra protocol optimizes your VPN to ensure fast, secure connections for gaming, streaming, downloading, P2P, and more.

Secure 5 devices with one account, from laptops, phones, and TVsAvailable on major platforms and devices, including Windows, MacOS, iOS, Android, Linux, Smart TVs, routers and more.

“By far the fastest VPN”.Learn how Hotspot Shield’s patented technology keeps you safe onlineTrusted by millions for privacy and security.

Review & Free Download

Hotspot Shield is a VPN solution for Windows that provides a secure connection, hides your IP address and allows you unfettered access to a wide range of U.S.-based Web services.

When you run Hotspot Shield on your computer, it creates a virtual private network or VPN between you and Anchorfree, which is the company that develops the software.

Another benefit is that you can connect to Wi-Fi hotspots and other unsecured connections with a degree of safety.

When you run Hotspot Shield, these sites and services can’t tell that you’re connecting from outside the U.S. and thus serve you the media that you want to watch or listen to.

Hotspot Shield also has a number of features that help protect you.

Although Hotspot Shield provides a VPN, hotspot protection, secure connections, threat protection and so forth, it’s primary focus is on streaming content from U.S. services to people outside the U.S. The software is ad-supported.

Users should also be aware that Hotspot Shield attempts to install a toolbar and perhaps other bloatware during its own installation, but you can opt out of these additional programs.

Hotspot Shield Download Free

Hotspot shield is a Virtual Private Network that makes internet connections more secure from the external threat.

The software is able to make a public wifi act like a private one so anyone trying to get your data is locked out.

Using the hotspot shield, any network you use is made private.

Elite version There are two versions of this software; elite version and the free version.

With the elite version of hotspot shield, you get better access and experience of the software.

To really know if the hotspot shield is working when browsing, the logo will appear at the top of your screen.

The software is available on the official hotspot shield website.

Download Hotspot Shield VPN Free Download

Hence in this article, we will talk about one of the best free VPN services for Windows, known as Hotspot Shield VPN. So, let’s check out everything about Hotspot Shield.

Well, Hotspot Shield is one of the best and top-rated VPN services available for PC and mobile devices.

Hotspot Shield for PC has both free and premium plans.

These are some of the key features of Hotspot Shield for PC. To discover more features, we recommend you start using the VPN app.

Now that you are fully aware of Hotspot Shield, you might want to download & install the program on your PC. Please note that Hotspot Shield is free, and hence, it can be downloaded from its official site directly.

How to Install Hotspot Shield on PC? Installing Hotspot Shield is pretty easy, especially on desktop operating systems like Windows & Mac.

Even if you plan to use the free version, you would need a Hotspot Shield account to use the VPN app.

Hotspot Shield

Hotspot Shield is a public VPN service, was formed and until 2019 operated by AnchorFree, Inc. and at January 2006 is operated by Aura.

The Hotspot Shield client establishes an encrypted VPN connection with one of its supported public VPN servers, through which the user can connect to the Internet.

Users can bypass censorship using Hotspot Shield by connecting to a VPN server located outside their country.

Hotspot Shield has been used to bypass Internet censorship in countries with strict Internet censorship programs.

During the Arab Spring protests in 2010, protesters used Hotspot Shield to access social networking tools to communicate and upload videos.

In 2012, Hotspot Shield usage increased among Mac users in the United States and Europe, as 500,000 Mac users were infected by the Flashback virus.

In August 2017, the Center for Democracy and Technology issued an open complaint to the Federal Trade Commission which they state “Concerns undisclosed and unclear data sharing and traffic redirection occurring in Hotspot Shield Free VPN that should be considered unfair and deceptive trade practices under Section 5 of the FTC Act.” CDT “Partnered with researchers at Carnegie Mellon University to analyze the app and the service and found ‘undisclosed data sharing practices’ with advertising networks.”

DigitalOcean Issues Q1 2022 Earnings Guidance

DigitalOcean issued an update on its first quarter 2022 earnings guidance on Thursday morning.

DigitalOcean also updated its FY 2022 guidance to $0.700-$0.710 EPS. DOCN traded down $7.79 during trading on Friday, hitting $51.37.

On average, sell-side analysts forecast that DigitalOcean will post 0.02 earnings per share for the current year.

Stifel Nicolaus cut their target price on shares of DigitalOcean from $85.00 to $60.00 in a research report on Thursday, February 24th. Oppenheimer increased their price target on shares of DigitalOcean from $100.00 to $130.00 and gave the stock an outperform rating in a report on Monday, November 8th. KeyCorp lowered their price target on shares of DigitalOcean from $80.00 to $69.00 and set an overweight rating on the stock in a report on Friday, February 25th. William Blair began coverage on shares of DigitalOcean in a report on Friday, November 12th. They issued an outperform rating on the stock.

Finally, Zacks Investment Research downgraded shares of DigitalOcean from a hold rating to a strong sell rating in a report on Thursday.

In other DigitalOcean news, Director Amy Butte sold 5,000 shares of the stock in a transaction that occurred on Monday, January 3rd. The shares were sold at an average price of $75.91, for a total transaction of $379,550.

Morgan Stanley purchased a new position in DigitalOcean during the first quarter valued at $296,000.

Better Amazon Disruptor: Etsy Vs. DigitalOcean

Outside of an identity as tech stocks, Etsy and DigitalOcean appear to have little in common.

Beyond their businesses, Etsy and DigitalOcean offer some intriguing commonalities.

The Etsy community, which serves both buyers and sellers, is one benefit that has users talking about Etsy stock.

Over the last five years, Etsy stock is up about 1,060% compared to the 260% increase in Amazon.

DigitalOcean stock has outperformed Etsy and Amazon since it debuted on March 24, 2021.

DigitalOcean sells for about 14 times sales compared with the price-to-sales ratio of around 10 for Etsy.

10 stocks we like better than DigitalOcean Holdings, Inc. When our award-winning analyst team has a stock tip, it can pay to listen.

DigitalOcean

DigitalOcean provides developers, startups, and SMBs with cloud infrastructure-as-a-service platforms.

In June 2018, Mark Templeton, former CEO of Citrix, replaced co-founder Ben Uretsky as the company’s CEO. In July 2019, Yancey Spruill, former CFO and COO of SendGrid, replaced Templeton as the CEO. In September 2021, DigitalOcean announced plans to acquire Nimbella, a serverless startup.

On January 15, 2013, DigitalOcean became one of the first cloud-hosting companies to offer SSD-based virtual machines.

On March 24, 2021, DigitalOcean became a publicly traded company on the New York Stock Exchange, with their initial public offering price at $47 per share.

DigitalOcean offers virtual private servers, or “Droplets” using DigitalOcean terminology, using KVM as the hypervisor and can be created in various sizes, in 13 different data center regions and with various options out of the box, including 6 Linux distributions and dozens of one-click applications.

As of 2021, DigitalOcean is hosting publicly available community forums and tutorials on open source and system administration topics.

In 2017, in partnership with Stripe the DigitalOcean has sponsored Libscore tool to freely provide developer community with open access to analytics on web development tools.

Investor Relations

DigitalOcean simplifies cloud computing so developers and businesses can spend more time building software that changes the world.

With its mission-critical infrastructure and fully managed offerings, DigitalOcean helps developers, startups and small and medium-sized businesses rapidly build, deploy and scale applications to accelerate innovation and increase productivity and agility.

DigitalOcean combines the power of simplicity, community, open source, and customer support so customers can spend less time managing their infrastructure and more time building innovative applications that drive business growth.

What Is DigitalOcean And Why Should You Host Apps On It?

It is a unique cloud hosting provider that offers cloud computing services to business entities so that they can scale themselves by deploying DigitalOcean applications that run parallel across multiple cloud servers without compromising on performance!

DigitalOcean infrastructure is a leading cloud service provider based in the United States of America.

So after extensive research, Ben and Moisey Uretsky founded DigitalOcean; a company that provides cloud hosting services and server provisioning for individual software developers and small scale startups making it easy for them to host website with one-click solutions.

In a world full of cloud service providers, the question arises: Why choose DigitalOcean infrastructure? And why not choose any other cloud hosting provider? Here’s why.

Now you must select your cloud service provider i.e. DigitalOcean in this scenario.

Once you’re done with scaling your cloud server, you must choose your cloud server’s location.

With all that taken care of, you’re now free to hit that LAUNCH SERVER BUTTON. And that’s it! You have successfully deployed your web application on DigitalOcean cloud server using managed cloud services by Cloudways.

DigitalOcean Status

Resolved – Our Engineering team has resolved the issue with Spaces in our NYC3 region.

Spaces availability should now be operating normally.

Feb 26, 22:39 UTC. Monitoring – Our Engineering team has implemented a fix to resolve the issue with API availability for Spaces in our NYC3 region and is monitoring the situation.

We will post an update as soon as the issue is fully resolved.

Feb 26, 22:03 UTC. Identified – Our engineering team has identified the issue impacting Spaces API availability for a subset of users in our NYC3 region and is actively working on a fix.

Feb 26, 20:23 UTC. Investigating – Our engineering team is currently investigating an issue impacting Spaces API availability in our NYC3 region.

During this time, some users may experience slowness or timeouts when trying to access or manage their Spaces resources in NYC3.

We’re hosting an AMA with today on our discussions page! Come ask your questions about DigitalOcean, developers, building startups and more!

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Crescent Point Energy Stock Forecast, Price & News

Crescent Point Energy Corp. explores, develops, and produces light and medium crude oil and natural gas reserves in Western Canada and the United States.

The company’s crude oil and natural gas properties, and related assets are located in the provinces of Saskatchewan, Alberta, British Columbia, and Manitoba; and the states of North Dakota and Montana.

Crescent Point Energy Corp. was incorporated in 1994 and is headquartered in Calgary, Canada.

Crescent Point Energy Corp.: Are The Stars Lining Up For Investors? – Invest Chronicle

For the readers interested in the stock health of Crescent Point Energy Corp. It is currently valued at $7.66.

Crescent Point Energy Corp. is pleased to announce the Toronto Stock Exchange has accepted its notice to implement a normal course issuer bid to purchase, for cancellation, up to 57,309,975 common shares, or 10 percent of the Company’s public float, as of February 28, 2022.

Crescent Point Energy Corp. full year performance was 71.95%. Price records that include history of low and high prices in the period of 52 weeks can tell a lot about the stock’s existing status and the future performance.

Presently, Crescent Point Energy Corp. shares are logging 0.21% during the 52-week period from high price, and 178.73% higher than the lowest price point for the same timeframe.

During the last month, 9 analysts gave the Crescent Point Energy Corp. a BUY rating, 0 of the polled analysts branded the stock as an OVERWEIGHT, 4 analysts were recommending to HOLD this stock, 0 of them gave the stock UNDERWEIGHT rating, and 0 of the polled analysts provided SELL rating.

In a similar fashion, Crescent Point Energy Corp. posted a movement of +53.61% for the period of last 100 days, recording 6,162,879 in trading volumes.

Raw Stochastic average of Crescent Point Energy Corp. in the period of last 50 days is set at 95.11%. The result represents improvement in oppose to Raw Stochastic average for the period of the last 20 days, recording 91.07%. In the last 20 days, the company’s Stochastic %K was 85.28% and its Stochastic %D was recorded 84.25%. If we look into the earlier routines of Crescent Point Energy Corp., multiple moving trends are noted.

Dimensional Fund Advisors LP Has $8.26 Million Holdings In Crescent Point Energy Corp.

Dimensional Fund Advisors LP increased its holdings in shares of Crescent Point Energy Corp. by 4.9% during the 3rd quarter, according to its most recent filing with the Securities and Exchange Commission.

Dimensional Fund Advisors LP’s holdings in Crescent Point Energy were worth $8,261,000 as of its most recent SEC filing.

Parametric Portfolio Associates LLC increased its holdings in Crescent Point Energy by 12.8% during the 2nd quarter.

Citigroup Inc. increased its holdings in Crescent Point Energy by 425.6% during the 3rd quarter.

Private Advisor Group LLC increased its holdings in Crescent Point Energy by 251.2% during the 3rd quarter.

Finally, Barclays PLC increased its holdings in Crescent Point Energy by 166.7% during the 3rd quarter.

Crescent Point Energy had a return on equity of 11.48% and a net margin of 72.41%. During the same quarter last year, the company earned $0.12 EPS. As a group, research analysts expect that Crescent Point Energy Corp. will post 1.54 EPS for the current year.

Crescent Point Receives Approval For Normal Course Issuer Bid

Crescent Point Energy Corp. is pleased to announce the Toronto Stock Exchange has accepted its notice to implement a normal course issuer bid to purchase, for cancellation, up to 57,309,975 common shares, or 10 percent of the Company’s public float, as of February 28, 2022.

Purchases of Crescent Point’s common shares under the NCIB may be made through the facilities of the TSX, the New York Stock Exchange and alternative trading systems by means of open market transactions or by such other means as may be permitted by the Canadian Securities Administrators and under applicable securities laws, including by private agreement pursuant to issuer bid exemption orders issued by applicable securities regulatory authorities.

In connection with the NCIB, Crescent Point will enter into an automatic purchase plan with its designated broker to allow for purchases of its common shares during internal blackout periods.

The Plan has been reviewed by the TSX and may be terminated by Crescent Point or its broker in accordance with its terms or will terminate on the expiry of the NCIB. As of February 28, 2022, the Company had a public float of 573,099,751 common shares and 574,601,885 common shares issued and outstanding.

Crescent Point will not acquire, through the facilities of the TSX, more than 1,351,208 common shares during a trading day, being 25 percent of the average daily trading volume of the Company’s common shares on the TSX for the six calendar months prior to the date of approval of the NCIB by the TSX, and, in addition, will not acquire per day on the NYSE more than 25 percent of the average daily trading volume for the four calendar weeks preceding the date of purchase, subject to, in both cases, certain exceptions for block purchases.

The actual number of common shares that will be repurchased under the NCIB, and the timing of any such purchases, will be determined by Crescent Point on management’s discretion, subject to applicable securities laws.

In particular, this press release contains forward-looking statements pertaining, among other things, to the Company’s normal course issuer bid, planned share repurchases to up to $150 million.

Crescent Point Energy looking to sell some of its assets in Alberta and Saskatchewan, potentially fetching C$500M, Reuters reports.

Crescent is said to be offering the assets, which combined produced ~10.5K boe/day in Q4, for sale in three separate packages.

The company has been seeking sales of non-core assets since it took over Shell’s Kaybob Duvernay assets in a C$900M deal in February 2021.

Crescent Point Energy shares have more than doubled in the past year, including a 24% YTD gain.

Crescent Point Announces 2021 Results & Reserves And Increases Share Repurchases

Statements relating to “Reserves” are also deemed to be forward-looking statements, as they involve the implied assessment, based on certain estimates and assumptions, that the reserves described exist in the quantities predicted or estimated and that the reserves can be profitably produced in the future.

The Company’s NAV is calculated on a before tax basis and is the sum of the present value of proved and probable reserves based on three evaluators’ average December 31, 2021 escalated price forecast, the fair value for the Company’s oil and gas hedges based on such December 31, 2021 escalated price forecast, and less outstanding net debt.

Proved reserves are reserves estimated to have a high degree of certainty of recoverability.

Probable reserves are less certain to be recoverable than proved reserves and possible reserves are less certain than probable reserves.

Reserves Life Index is calculated as proved plus probable reserves divided by production.

There are numerous uncertainties inherent in estimating quantities of crude oil, natural gas and NGL reserves and the future cash flows attributed to such reserves.

For these reasons, estimates of the economically recoverable crude oil, NGL and natural gas reserves attributable to any particular group of properties, classification of such reserves based on risk of recovery and estimates of future net revenues associated with reserves prepared by different engineers, or by the same engineers at different times, may vary.

Crescent Point Energy Corp Quote

Stocks in play: Crescent Point Energy Corp. Baystreet – Fri Mar 4, 8:38AM CST. Baystreet – SYNDTGAM. Fri Mar 4, 8:38AM CST. Announced the Toronto Stock Exchange has accepted its notice to implement a normal course issuer bid ….Most actively traded companies on the Toronto Stock Exchange.

Crescent Point Energy reports $121.6M Q4 profit on strong Kaybob Duvernay results.

Canadian Press – Thu Mar 3, 1:53PM CST. Canadian Press – CP. Thu Mar 3, 1:53PM CST. CALGARY – Crescent Point Energy Corp. reported strong results from its recently acquired Kaybob Duvernay assets in Alberta, along with soaring profits helped by higher oil and gas prices.

Smart Health Tracking: Best Body Weight Scales In 2022

Once bulky contraptions we’d take out of their hiding place under the bed only when absolutely necessary to face the numbers, to sleek smart devices that not only consistently measure weight but also calculate BMI, body fat, muscle mass and more, today’s body weight scales are closer to smartphones than they are to their clunky predecessors.

BUY ON AMAZON. If you’re looking for a reliable smart body scale that doesn’t break the bank, we recommend checking out the Fitindex Smart Body Weight Scale, pronto.

BUY ON AMAZON. Looking for a high-weight capacity scale to help you on your weight loss journey? The Redover Bluetooth Body Scale accurately measures 13 essential health metrics up to 400 lbs or 181 kg, and like all smart digital bathroom weighing scales, it allows you to easily sync all your data with your favorite fitness apps, including Fitbit, Google Fit, and Apple Fit.

Most of today’s body weight scales can track everything from your weight and BMI to body fat, muscle mass, and even heart rate, giving you an insight into your health and fitness from the comfort of your home.

While some digital scales are simple and straightforward and precisely measure only weight, most modern digital scales are smart and can also measure other body composition metrics, such as body fat, muscle mass, BMI, and more.

Body Weight Scale FAQ. Q: How accurate are body weight scales?

A: Smart body weight scales that use bioelectrical impedance to measure body composition metrics can indeed measure your body fat percentage.

Bathroom Scales

Bathroom scales help you to monitor your weight with ease.

With a bathroom scale at home, you don’t have to run to the doctor’s each time you want to check your weight.

If you are trying to get fit, having a digital bathroom scale at home will help you stay on track.

Browse through an array of digital scales, smart scales, analog scales in a variety of display sizes, colors and features.

We have smart scales that measure not only body weight but also other aspects such as body fat, body composition and calculate your BMI. Our collection of scales is easy to use and program.

You can even find scales that are compatible with smartwatches such as Fitbit.

You can place these scales in your dressing area, your room or your bathroom.

Buy Weighing Machine Online At Best Price In India

A properly configured weight machine will ensure that your business functions smoothly, but an incorrectly configured weight machine may result in significant losses.

Compared to analog weighing scales, electronic weighing machines are more advanced equipment that allows you to keep track of your weight more quickly.

> Digital weighing machines, as opposed to analog weighing machines, employ a variety of advanced technology.

> These weighing machines have platforms that are the proper size for standing or weighing goods.

You must first establish the weight machine’s task and then search online retailers for the best one to fit your needs.

Metis, Voda, iScale, CAS, Aczet, HSCo, and more well-known brands offer excellent weighing machines at the best costs.

To Choose the best weight machine for healthy lifestyle, refer to Top Trending Weight Machine Brands Online.

Weighing Scale

Although no actual scales from this era have survived, many sets of weighing stones as well as murals depicting the use of balance scales suggest widespread usage.

Even with all the advances in weighing scale design and development, all scales until the seventeenth century AD were variations on the balance scale.

A programmable scale has a programmable logic controller in it, allowing it to be programmed for various applications such as batching, labeling, filling, truck scales, and more.

Spring scales came into wide usage in the United Kingdom after 1840 when R. W. Winfield developed the candlestick scale for weighing letters and packages, required after the introduction of the Uniform Penny Post.

A mechanical scale or balance is used to describe a weighing device that is used to measure the mass, force exertion, tension, and resistance of an object without the need of a power supply.

A digital bathroom scale is a scale on the floor which a person stands on.

In 2014 a concept of hybrid scale was introduced, the elastically deformable arm scale, which is a combination between a spring scale and a beam balance, exploiting simultaneously both principles of equilibrium and deformation.

What Does Weighing Scale Mean?

A weighing scale is a device to measure weight or mass.

These are also known as mass scales, weight scales, mass balance, weight balance, or simply scale, balance, or balance scale.

A spring scale will make use of a spring of known stiffness to determine mass.

Weighing scales is a measuring instrument for determining the weight or mass of an object.

Weighing scales are used in many industrial and commercial applications, and products from feathers to loaded tractor-trailers are sold by weight.

The numerical value of weighing scale in Chaldean Numerology is: 8.Pythagorean Numerology.

The numerical value of weighing scale in Pythagorean Numerology is: 5.

Avery Weigh-Tronix 640 Scale Indicator

We believe every farm is different with a unique set of challenges.

We build exceptional scale components, engineered to adapt to your operation’s needs.

As farmers ourselves, we know that’s not enough.

That’s why we’re here to support you, no matter what scale you have or who you bought it from.

Count on us to help you repair a damaged scale system and get you back up and running.

Let us help you install a new scale kit or recommend ways to upgrade your existing system.

Ask us to help you choose what kind of scale technology is right for your operation, based on your goals and preferences.

Avery Weigh Tronix Scales |Data Weighing Systems

Avery Weigh-Tronix scales are known for their durability in industrial environments.

Weigh Tronix Fork Lift scales have proven their durability hundreds of LTL distribution locations, their quartz cell counting scales are renowned for accuracy, and the weigh bar floor scales are the most durable in the market.

Avery Weigh-Tronix history extendes back to 1731 when James Ford established a business as a maker of “Stilliards” in Digbeth, near Birmingham, UK. As the Industrial Revolution gathered momentum, the business was transferred to William Avery, soon joined by his brother Thomas, who traded under the name W&T Avery.

Today, Avery Weigh-Tronix encompasses a number of the world’s best-known weighing companies, including Brecknell, Dillon and Railweight.

The company is now a wholly owned subsidiary of ITW corporation.

DWS understands scales and balances better than anyone and can find custom solutions perfect for any application.

Avery Weigh-Tronix

Avery Weigh-Tronix is a subsidiary of Illinois Tool Works specialising in industrial weighing machines.

The company additionally has a United States-based manufacturing and retail manufacturing plant.

The company is registered as Avery Weigh-Tronix, Ltd. in the UK and Avery Weigh-Tronix, LLC in the US. The company was formed in June 2000 when the U.S.-based weighing company Weigh-Tronix acquired the Avery Berkel group of companies.

Avery Berkel was the result of the merger between GEC Avery and Berkel.

Avery Weigh-Tronix was the parent company in the group with every other company being brands of Avery Weigh-Tronix.

Avery Weigh-Tronix was used as the industrial brand of the company.

In September 2008, Illinois Tool Works acquires Avery Weigh-Tronix, Avery Berkel and Avery Weigh-Tronix were kept separate with Avery Weigh-Tronix focusing more on the industrial and commercial and avery Berkel focusing on retail.

SUNSTONE HOTEL INVESTORS BOARD OF DIRECTORS ANNOUNCES SENIOR MANAGEMENT APPOINTMENTS

PRNewswire/ – Sunstone Hotel Investors, Inc., the owner of Long-Term Relevant Real Estate® in the hospitality sector, today announced that its Board of Directors has appointed Bryan Giglia.

Chief Investment Officer, to the additional role of President.

Mr. Pasquale said, “After an extensive and thorough search process, including internal and external candidates, the Board selected Bryan as CEO and Robert as President to lead Sunstone as we pursue superior long-term per share NAV growth. This was based on their decades of hotel industry experience, deep knowledge and understanding of the Company, ability to immediately build on our recent success of recycling capital, and capability to execute on property-level value creation opportunities. My focus as Executive Chairman will be to provide guidance to Bryan, Robert and Aaron as they transition into their roles.”

Mr. Giglia said, “I am deeply honored by the Board’s decision to appoint me Chief Executive Officer. The entire team and I are focused on building upon our recent successful transactions and actively recycling capital to create shareholder value. On behalf of our shareholders, we will work tirelessly to ensure Sunstone continues to execute its strategy, prioritizing the best interests of our shareholders and maximizing the value of our portfolio. As we emerge from the pandemic, our portfolio is among the best positioned to capitalize on the recovery in corporate and group travel demand and our balance sheet provides ample capacity to grow per share earnings and NAV.”.

Mr. Springer said, “I am excited by the opportunity to continue my ten-plus year relationship with Bryan as we embark on a partnership to lead Sunstone. We will work closely together to capitalize on the imbedded value within our existing portfolio as we actively recycle past investments into new growth and value creation opportunities.”

Sunstone Hotel Investors, Inc. is a lodging real estate investment trust that as of the date of this release has interests in 16 hotels comprised of 8,125 rooms, the majority of which are operated under nationally recognized brands.

Sunstone’s business is to acquire, own, asset manage and renovate or reposition hotels considered to be Long-Term Relevant Real Estate®.

Sunstone Hotel Appoints New Executives

Irvine-based Sunstone Hotel Investors Inc. today named Chief Financial Officer Bryan Giglia as its new chief executive.

Giglia, who joined the company in 2004, replaces previous interim CEO Douglas Pasquale, who will become executive chairman through August 2022.

Chief Investment Officer Robert Springer added the title of president as part of the promotions.

Aaron Reyes, who joined in 2016, replaces Giglia as CFO. “As we emerge from the pandemic, our portfolio is among the best positioned to capitalize on the recovery in corporate and group travel demand and our balance sheet provides ample capacity to grow per share earnings,” Giglia said in a statement.

The company fell 3.3% during midday trading to $10.22 with a market cap of $2.3 billion, and ranks No. 22 on the Business Journal’s list of public companies as ranked by market cap.

Sunstone Hotel Investors Rating Lowered To Underweight At Barclays

Barclays cut shares of Sunstone Hotel Investors from an overweight rating to an underweight rating in a report issued on Tuesday morning, Analyst Price Targets reports.

According to data from MarketBeat.com, Sunstone Hotel Investors has an average rating of Hold and an average target price of $12.71.

UMB Bank N A MO acquired a new stake in shares of Sunstone Hotel Investors during the fourth quarter worth $31,000.

Pinebridge Investments L.P. acquired a new position in shares of Sunstone Hotel Investors during the 4th quarter worth about $50,000.

FourThought Financial LLC boosted its holdings in shares of Sunstone Hotel Investors by 203.7% during the 3rd quarter.

Penserra Capital Management LLC boosted its holdings in Sunstone Hotel Investors by 60.3% in the 3rd quarter.

Finally, Heritage Wealth Management LLC bought a new stake in Sunstone Hotel Investors in the 3rd quarter valued at about $81,000.

SUNSTONE HOTEL INVESTORS ANNOUNCES EXIT FROM COVENANT RELIEF PERIOD

International Women’s Day marks an important United Nations observance each year to celebrate women’s accomplishments, call out the barriers still standing in their way, and shine a spotlight on the need for gender equality.

The Echidna Global Scholars, girls’ education leaders in low- and middle-income countries seeking to improve learning opportunities and life outcomes for girls and young women, share what they are doing to help build a more equitable and sustainable tomorrow.

My work in the next few years will focus on mapping the care economy for Sri Lanka, a middle-income country where girls’ education has made huge strides, but where women’s roles as homemakers prevent them from fully utilizing their skills in the labor market.

On IWD, we celebrate all of the girls and women, countries and regions, and organizations and governments that are coming together to support climate action!

At Study Hall Education Foundation we are undertaking a large voter education program with girls and women to help them understand their rights and responsibilities as citizens in a democracy.

We conducted 208 meetings with over 3,470 women in rural and urban areas, with local facilitators-many of them SHEF alumnae-who discussed with women and girls what being a citizen means.

IWD is an important day to celebrate all individuals and organizations working on gender equality, educating girls and women to be active democratic citizens and leaders working toward SDGs 5 and 16.

SUNSTONE HOTEL INVESTORS ANNOUNCES EXIT FROM COVENANT RELIEF PERIOD

PRNewswire/ – Sunstone Hotel Investors, Inc., the owner of Long-Term Relevant Real Estate® in the hospitality sector, today announced that it has notified its unsecured lenders of its election to terminate the covenant relief period associated with the amended debt agreements governing its Revolving Credit Facility, Term Loan Facilities and Senior Unsecured Notes.

The termination of the covenant relief period follows the Company’s satisfaction of the financial covenants for the quarter ended December 31, 2021.

The Company will now be required to satisfy a modified set of financial covenants for the following five quarters, after which, the original covenants prior to the debt agreement amendments will be reinstated.

Upon termination of the covenant relief period, the Company is now no longer subject to the additional restrictions on debt issuance and repayment, capital investment, share repurchase, and dividend distributions that were imposed as part of the covenant relief debt agreement amendments.

Chief Executive Officer stated, “Our fourth quarter earnings, combined with our low-levered balance sheet, allowed us to exit the covenant relief period early. This is an important milestone in our continued path to recovery which significantly enhances our capital allocation flexibility. Over the coming quarters, as our earnings return closer to pre-pandemic levels, we will gain additional leverage capacity that will further bolster our ability to execute on our business plan and grow per share earnings and NAV.”.

Sunstone Hotel Investors, Inc. is a lodging real estate investment trust.

Sunstone’s strategy is to create long-term stakeholder value through the acquisition, active ownership, and disposition of hotels considered to be Long-Term Relevant Real Estate®.

Definition Of Senior Management By The Free Dictionary

N the most senior staff of an organization or business, including the heads of various divisions or departments led by the chief executive.

Also called: top management Compare middle management.

Senior Management

Senior management, executive management, upper management, or a management is generally individuals at the highest level of management of an organization who have the day-to-day tasks of managing that organization-sometimes a company or a corporation.

Generally, higher levels of responsibility exist, such as a board of directors and those who own the company, but they focus on managing the senior or executive management instead of on the day-to-day activities of the business.

The executive management typically consists of the heads of a firm’s product and/or geographic units and of functional executives such as the chief financial officer, the chief operating officer, and the chief strategy officer.

In project management, senior management authorises the funding of projects.

Senior management are sometimes referred to, within corporations, as executive management, top management, upper management, higher management, or simply seniors.

A top management is a specific form of which typically consists of some of the top managers in a firm.

There is no clear definition to what the top management of an organization is.

The Role And Responsibilities Of Senior Managers

A senior manager has responsibilities and authority that are broader in scope than a front-line manager, and a door is typically open for senior managers to move into a director- or general manager-level role.

Senior managers might guide workers directly or they might direct several supervisors, who in turn directly manage the workers.

Some examples include senior accounting manager, senior marketing manager, senior engineering manager, and senior customer support manager.

The senior manager level or designation represents a step up from the manager and offers the opportunity for individuals to take on new responsibilities and increase their contributions.

Consider a department that includes supervisors, managers who are responsible for supervisors, and senior managers who are responsible for the managers who watch over supervisors.

This position can represent a tangible target or step up as part of a manager’s career development plan and responsibilities when there’s a clear distinction between the role of manager and senior manager.

The senior manager can also support managers and take on responsibility for discrete work teams when the span of control for a group’s managers is too broad. This role is an expansion of the typical manager’s role in terms of the breadth of responsibilities and overall accountability.

Management at all levels shall demonstrate its commitment to the establishment, implementation, assessment and continual improvement of the management system and shall allocate adequate resources to carry out these activities.

Senior management shall develop individual values, institutional values and behavioural expectations for the organisation to support the implementation of the management system and shall act as role models in the visible promulgation of these values and expectations.

Management at all levels shall communicate to individuals the need to adopt to these individual values, institutional values and behavioural expectations as well as to comply with the requirements of the management system.

Senior management shall ensure that it is clear when, how and by whom decisions are to be made within the management system.

Senior management in the organisation shall be ultimately responsible for the management system and shall ensure that it is established, implemented, assessed and continually improved.

3.13.An individual reporting directly to senior management shall have specific responsibility and authority for: Coordinating the development and implementation of the management system, and for its assessment and continual improvement; Reporting on the performance of the management system, including its influence on safety and safety culture, and any need for improvement; Resolving any potential conflicts between requirements and within the processes of the management system.

IAEA 12 GS-R-3 – Provision of Resources 4.1.Senior management shall determine the amount of resources necessary and provide the resources to carry out the activities of the organisation and to establish, implement, assess and continually improve the management system.

Senior Management Group, LLC

Family OfficeSenior Management Group with its affiliated companies Brett Senior & Associates, P.C. and Brett Senior Tax Services, LLC combines the professional disciplines of legal, tax, accounting and business advisory services to actively and objectively advocate our clients’ interests in the marketplace- delivering superior service, performance and fiduciary peace of mind.

For more than 35 years, SMG’s “Family Office” has been an unbiased resource retained to provide centralized planning and professional services.

36 Senior Management Interview Questions

To be considered for a senior manager position, it’s important to share your leadership skills and showcase your vision for guiding the company to new growth opportunities.

In this article, we explore sample upper management interview questions and answers so you can craft effective responses during your senior management interview.

Questions about experience and background An interviewer may ask questions about your work history and experience to learn more about your potential in the role and the company.

In-depth questions Once an interviewer has an idea of your background and personality, they may ask more complex questions about your leadership abilities and industry knowledge to determine if you’re a good fit for their company.

If you recognized a new business opportunity for the company, how would you develop new resources or teams to fill this need? When a potential employer asks this question, they want to find out if you, as a senior manager, understand what impacts business performance growth.

Share how you would add new dimensions to the company by increasing the capabilities of what employees and production systems can do.

In my role as a senior manager, I’d make it my priority to know the company in all of these ways.

Senior Management Group, Inc

Many homeowners have found that a reverse mortgage is a great way for them to take advantage of the equity they have built up in their homes.

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Douglas M. Pasquale

Douglas M. Pasquale is a businessperson who founded Capstone Enterprises Corp. and who has been at the helm of 8 different companies.

He is Chairman & Chief Executive Officer at Sunstone Hotel Investors, Inc. and Chief Executive Officer for Capstone Enterprises Corp. Mr. Pasquale is also Chairman for ExplorOcean and on the board of 8 other companies.

Douglas M. Pasquale

Mr. Pasquale has served on the Corporation’s Board of Directors since March 2013.

He has served as chief executive officer of Capstone Enterprises Corporation, an investment and consulting firm, since January 2012.

Mr. Pasquale served as Nationwide Health Properties’ chairman of the board of directors from 2009 to 2011, president and chief executive officer from 2004 to 2011 and executive vice president and chief operating officer from 2003 to 2004.

He also served as a director of Nationwide Health Properties from 2003 to 2011.

He has served on the board of directors of Alexander & Baldwin, Inc. since 2005, Terreno Realty Corporation since 2010 and Sunstone Hotel Investors, Inc. since 2011.

Douglas M. Pasquale Net Worth, Biography & Insider Trading History

Mr. Pasquale brings extensive management and strategic planning experience from his decades-long career in the real estate industry.

He currently serves as CEO of Capstone Enterprises, an investment and consulting firm he founded in January 2012.

Previously, Mr. Pasquale served as Senior Advisor to Ventas, Inc. upon the closing of its acquisition of Nationwide Health Properties, Inc. Prior to the acquisition, Mr. Pasquale served as the Chairman of the Board of NHP from 2009 to 2011, as President and Chief Executive Officer from 2004 to 2011, and as Executive Vice President and Chief Operating Officer from 2003 to 2004.

In addition to his management experience, Mr. Pasquale serves on the Boards of Alexander & Baldwin, Inc., Terreno Realty Corporation, and Dine Brands Global, Inc. He received his B.S. in Accounting and his M.B.A. from the University of Colorado.

Douglas Pasquale Net Worth

The estimated Net Worth of Douglas M Pasquale is at least $15.4 Million dollars as of 13 December 2021.

Douglas has made over 54 trades of the Sunstone Hotel Investors Inc stock since 2011, according to the Form 4 filled with the SEC. Most recently he bought 10,765 units of SHO stock worth $115,078 on 13 December 2021.

The largest trade he’s ever made was selling 58,750 units of Sunstone Hotel Investors Inc stock on 23 December 2011 worth over $3,233,600.

Douglas Pasquale is 65, he’s been the Non-Executive Independent Chairman of the Board of Sunstone Hotel Investors Inc since 2015.

Insiders trading at Sunstone Hotel Investors Inc. Over the last 17 years, insiders at Sunstone Hotel Investors Inc have traded over $669,969,065 worth of Sunstone Hotel Investors Inc stock and bought 1,085,646 units worth $12,195,955.

On average, Sunstone Hotel Investors Inc executives and independent directors trade stock every 67 days with the average trade being worth of $3,268,442.

The most recent stock trade was executed by Douglas M Pasquale on 13 December 2021, trading 10,765 units of SHO stock currently worth $115,078.

Sunstone Hotel Investors Names Board Chair Douglas M. Pasquale Interim Chief Executive Officer

PRNewswire/ – Sunstone Hotel Investors, Inc., the owner of Long-Term Relevant Real Estate® in the hospitality sector, today announced the appointment of Douglas M. Pasquale.

Current Chairman of the Sunstone Board, as the Company’s interim Chief Executive Officer, effective immediately.

Who will leave his role as President & Chief Executive Officer and has resigned as a Director of the Company effective immediately.

Mr. Pasquale is expected to serve until a successor is identified and will remain Chair of the Board of Directors.

The Board will retain an executive search firm to assist in identifying a permanent CEO replacement.

Previously, he served as Senior Advisor to Ventas, Inc. upon the closing of its acquisition of Nationwide Health Properties, Inc. Prior to the acquisition, Mr. Pasquale served as the Chairman of the Board of NHP from 2009 to 2011, as President and Chief Executive Officer from 2004 to 2011, and as Executive Vice President and Chief Operating Officer from 2003 to 2004.

About Sunstone Hotel Investors, Inc.Sunstone Hotel Investors, Inc. is a lodging real estate investment trust that as of the date of this release has interests in 18 hotels comprised of 9,147 rooms, the majority of which are operated under nationally recognized brands.

Sunstone Hotel Investors Names Board Chair Douglas M. Pasquale Interim Chief Executive Officer – Hotel-Online

Sunstone Hotel Investors, Inc., the owner of Long-Term Relevant Real Estate® in the hospitality sector, today announced the appointment of Douglas M. Pasquale.

Current Chairman of the Sunstone Board, as the Company’s interim Chief Executive Officer, effective immediately.

Who will leave his role as President & Chief Executive Officer and has resigned as a Director of the Company effective immediately.

Mr. Pasquale is expected to serve until a successor is identified and will remain Chair of the Board of Directors.

The Board will retain an executive search firm to assist in identifying a permanent CEO replacement.

Previously, he served as Senior Advisor to Ventas, Inc. upon the closing of its acquisition of Nationwide Health Properties, Inc. Prior to the acquisition, Mr. Pasquale served as the Chairman of the Board of NHP from 2009 to 2011, as President and Chief Executive Officer from 2004 to 2011, and as Executive Vice President and Chief Operating Officer from 2003 to 2004.

In addition to his management experience, Mr. Pasquale serves on the Boards of Alexander & Baldwin, Inc., Terreno Realty Corporation, and Dine Brands Global, Inc. He received his B.S. in Accounting and his M.B.A. from the University of Colorado.

Sunstone Hotel Investors Names Board Chair Douglas M. Pasquale Interim Chief Executive Officer

IRVINE, Calif., Sept. 2, 2021 /PRNewswire/ – Sunstone Hotel Investors, Inc., the owner of Long-Term Relevant Real Estate® in the hospitality sector, today announced the appointment of Douglas M. Pasquale, current Chairman of the Sunstone Board, as the Company’s interim Chief Executive Officer, effective immediately.

This appointment follows a mutual agreement to separate between the Board of Directors and John Arabia, who will leave his role as President & Chief Executive Officer and has resigned as a Director of the Company effective immediately.

Mr. Pasquale is expected to serve until a successor is identified and will remain Chair of the Board of Directors.

The Board will retain an executive search firm to assist in identifying a permanent CEO replacement.

“With the proceeds of accelerated sales of non-core assets and modest incremental leverage, we intend to invest in our remaining hotels to unlock latent value and acquire additional hotels that are more likely to create long-term per-share NAV growth, such as the recently acquired Montage Healdsburg Resort. While the Board conducts its search for a new CEO, I look forward to working with our talented management team and expect substantial progress on these objectives in order to deliver sustained, superior results.”

Previously, he served as Senior Advisor to Ventas, Inc. upon the closing of its acquisition of Nationwide Health Properties, Inc. Prior to the acquisition, Mr. Pasquale served as the Chairman of the Board of NHP from 2009 to 2011, as President and Chief Executive Officer from 2004 to 2011, and as Executive Vice President and Chief Operating Officer from 2003 to 2004.

About Sunstone Hotel Investors, Inc.Sunstone Hotel Investors, Inc. is a lodging real estate investment trust that as of the date of this release has interests in 18 hotels comprised of 9,147 rooms, the majority of which are operated under nationally recognized brands.

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Bryan Giglia Net Worth

Mr. Giglia owns over 18,426 units of worth over $2,427,036 and over the last 8 years he sold SHO stock worth over $538,564.

Bryan has made over 2 trades of the Sunstone Hotel Investors Inc stock since 2014, according to the Form 4 filled with the SEC. Most recently he sold 18,426 units of SHO stock worth $308,267 on 14 December 2017.

The largest trade he’s ever made was selling 18,426 units of Sunstone Hotel Investors Inc stock on 14 December 2017 worth over $308,267.

Prior to joining Sunstone, Mr. Giglia served in a variety of accounting positions for Hilton Hotels Corporation.

Insiders trading at Sunstone Hotel Investors Inc. Over the last 17 years, insiders at Sunstone Hotel Investors Inc have traded over $669,969,065 worth of Sunstone Hotel Investors Inc stock and bought 1,085,646 units worth $12,195,955.

On average, Sunstone Hotel Investors Inc executives and independent directors trade stock every 67 days with the average trade being worth of $3,262,002.

Complete history of Mr. Giglia stock trades at Sunstone Hotel Investors Inc. Sunstone Hotel Investors Inc executives and stock owners.

Sunstone Hotel Appoints New Executives

Irvine-based Sunstone Hotel Investors Inc. today named Chief Financial Officer Bryan Giglia as its new chief executive.

Giglia, who joined the company in 2004, replaces previous interim CEO Douglas Pasquale, who will become executive chairman through August 2022.

Chief Investment Officer Robert Springer added the title of president as part of the promotions.

Aaron Reyes, who joined in 2016, replaces Giglia as CFO. “As we emerge from the pandemic, our portfolio is among the best positioned to capitalize on the recovery in corporate and group travel demand and our balance sheet provides ample capacity to grow per share earnings,” Giglia said in a statement.

The company fell 3.3% during midday trading to $10.22 with a market cap of $2.3 billion, and ranks No. 22 on the Business Journal’s list of public companies as ranked by market cap.

SUNSTONE HOTEL INVESTORS BOARD OF DIRECTORS ANNOUNCES SENIOR MANAGEMENT APPOINTMENTS

PRNewswire/ – Sunstone Hotel Investors, Inc., the owner of Long-Term Relevant Real Estate® in the hospitality sector, today announced that its Board of Directors has appointed Bryan Giglia.

Chief Investment Officer, to the additional role of President.

Mr. Pasquale said, “After an extensive and thorough search process, including internal and external candidates, the Board selected Bryan as CEO and Robert as President to lead Sunstone as we pursue superior long-term per share NAV growth. This was based on their decades of hotel industry experience, deep knowledge and understanding of the Company, ability to immediately build on our recent success of recycling capital, and capability to execute on property-level value creation opportunities. My focus as Executive Chairman will be to provide guidance to Bryan, Robert and Aaron as they transition into their roles.”

Mr. Giglia said, “I am deeply honored by the Board’s decision to appoint me Chief Executive Officer. The entire team and I are focused on building upon our recent successful transactions and actively recycling capital to create shareholder value. On behalf of our shareholders, we will work tirelessly to ensure Sunstone continues to execute its strategy, prioritizing the best interests of our shareholders and maximizing the value of our portfolio. As we emerge from the pandemic, our portfolio is among the best positioned to capitalize on the recovery in corporate and group travel demand and our balance sheet provides ample capacity to grow per share earnings and NAV.”.

Mr. Springer said, “I am excited by the opportunity to continue my ten-plus year relationship with Bryan as we embark on a partnership to lead Sunstone. We will work closely together to capitalize on the imbedded value within our existing portfolio as we actively recycle past investments into new growth and value creation opportunities.”

Sunstone Hotel Investors, Inc. is a lodging real estate investment trust that as of the date of this release has interests in 16 hotels comprised of 8,125 rooms, the majority of which are operated under nationally recognized brands.

Sunstone’s business is to acquire, own, asset manage and renovate or reposition hotels considered to be Long-Term Relevant Real Estate®.

Consumer Debt Definition

Consumer debt consists of personal debts that are owed as a result of purchasing goods that are used for individual or household consumption.

Credit card debt, student loans, auto loans, mortgages, and payday loans are all examples of consumer debt.

Consumer loans can be extended by a bank, the federal government, and credit unions, and are broken down into two categories: revolving debt and non-revolving debt.

Consumer debt is considered a financially suboptimal means of financing because the interest rates charged on the debt, such as credit card balances, are extremely high when compared to mortgage interest rates.

An opposite view is that consumer debt results in increased consumer spending and production, thereby growing the economy, and achieves a smoothing of consumption.

As of September 2020, consumer debt was $4.16 trillion, with $3.17 trillion in non-revolving debt and $988.6 billion of revolving debt.

The consumer leverage ratio measures the amount of debt that the average American consumer holds, compared with their disposable income.

Current US Consumer Debt December 2021

In December 2021 U.S. consumer debt preliminary numbers showed an increase of 5.9% annually to more than $4.43 trillion, hitting a quarterly record.

Revolving debt in February 2020 was close to 26% of the total debt compared to almost 38% of the total debt in May 2008.

Credit card debt is revolving debt because it’s meant to be paid off each month.

Credit Card Debt Credit card debt rose due to the Bankruptcy Protection Act of 2005.

Student Loans Rising student loan debt has been one of the most discussed types of debt in the last decade.

It helped boost non-revolving debt from about 62% of all consumer debt in May 2008 to about 74% in February 2020.

In December 2021, non-revolving debt stood at about 77% of all consumer debt.

What Is Consumer Debt?

Consumer debt, as its name implies, is the amount of total debt held by consumers, meaning private individuals as opposed to governments or businesses.

Americans carry quite a lot of consumer debt: according to the New York Fed, total household debt sat at $14.27 trillion in the second quarter of 2020-which, shockingly, represents a decrease of 0.2%. Mortgage balances comprise the largest portion of that total, accounting for $9.78 trillion, more than half of American consumer debt, on their own.

Student loan debt takes the silver medal, accounting for another $1.5 trillion of the total, while credit card debt accounts for about $820 billion.

While “Debt” doesn’t tend to have good connotations when brought up in conversation, some consumer debt is just about impossible to avoid in our society, and it’s not always a financial emergency.

As mentioned above, mortgage balances make up the largest portion of the U.S. consumer debt total by a wide margin-and mortgages have long been considered a “Good” kind of debt to get into, thanks to the tendency of real estate to appreciate in value.

Student loans are a reality for millions-as mentioned above, they’re the second-largest component of the U.S. consumer debt total.

While going into debt to get educated certainly sounds like a noble cause the burden of student debt can wreak larger financial havoc on borrowers.

Consumers ended 2021 with record levels of debt, leading into a year in which interest rates are expected to rise substantially.

Total debt at the end of the year came to $15.6 trillion, an increase of $333 billion in the fourth quarter and just over $1 trillion for the year, according to data released Tuesday from the Federal Reserve’s New York district.

The increases came ahead of a period in which the Fed is expected to start jacking up interest rates as it looks to tamp down inflation running at its fastest pace in nearly 40 years.

A large chunk of the debt load increase came from mortgages, which saw balances rise by $890 billion for the year and $258 billion in the fourth quarter, to nearly $11 trillion.

Mortgage originations for the year totaled more than $4.5 trillion, a new record.

Credit card balances increased by $52 billion in the final three months of the year, a new quarterly record that brought total debt in that category to $860 billion.

New auto prices rose 11.8% for the year while used vehicles soared by 37.3%, according to Labor Department data.

The U.S. Consumer Debt Crisis

Non-housing debt has risen faster, increasing 51% since 2013 compared with a 24% increase in mortgage debt.

Credit card debt actually fell in 2020, the first drop in any major consumer debt category in seven years.

Debt consolidation or debt settlement could help you achieve that goal of getting out of debt.

The state has the nation’s fourth-best average mortgage debt, 18th best in average credit-card debt and 23rd best average student loan debt.

Its 720 average FICO score is 18th nationally and its average student loan debt ranks 22nd. Pennsylvania laws are weak when it comes to consumer rights and protections, leading to problems such as high rates of identity theft.

Virginia is ranked high in credit-card debt, mortgage debt and student-loan debt.

While the statisticians can supply us with a plethora of facts and on how much debt Americans are in, the human costs of America’s debt problem – though real and serious – are harder to calculate.

Consumer Financial Protection Bureau

An official website of the United States government.

We’re the Consumer Financial Protection Bureau, a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

The content on this page provides general consumer information.

This information may include links or references to third-party resources or content.

We do not endorse the third-party or guarantee the accuracy of this third-party information.

There may be other resources that also serve your needs.

Average U.S. Consumer Debt Reaches New Record In 2020

As part of our ongoing review of consumer debt and credit in the U.S., Experian reviewed credit report data from the past decade to see how consumer debt has changed through the years.

Though the average total debt balance among consumers saw virtually no growth from 2019 to 2020-just 0.3%-it has finally surpassed 2010 levels, when average debt peaked following the Great Recession.

Washington, D.C., saw the greatest decrease in average credit card debt in 2020 at 20%. This year’s reduction in debt stood out, as it marks the first time in eight years credit card debt did not increase.

The average FICO® Score for someone with a student loan balance in 2020 was 689.Washington, D.C., had the highest average student loan balance of $60,666 in 2020.Alaska saw the greatest increase in average student loan debt in 2020 at 14%. This growth stands out for two reasons: Not only is it the greatest percentage movement of any debt, but it’s double the growth that occurred in that category in 2019.

The average FICO® Score for someone with a mortgage in 2020 was 735.Washington, D.C., had the highest average mortgage balance of $439,280 in 2020.Idaho saw the greatest increase in average mortgage debt in 2020 at 8%. This competitive market along with consumers’ desires to buy homes resulted in significant growth in mortgage debt.

Balances still climbed during the pandemic, but this 6% growth is just half of the 12% growth that occurred in 2019.The average FICO® Score for someone with a personal loan in 2020 was 689.Washington state had the highest average personal loan balance of $28,450 in 2020.Washington, D.C., saw the largest decrease in personal loan debt in 2020 at 19%. This shift indicated that while consumers are still applying for and receiving personal loans, this borrowing has slowed.

The average FICO® Score for someone with a HELOC in 2020 was 777.Hawaii had the highest average HELOC balance of $70,090 in 2020.Washington, D.C., saw the greatest decrease in HELOC debt in 2020 at 14%. The decrease in 2020, while in line with the decade trend, was a notably bigger drop than what has occurred in recent years.

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5 Best Bodybuilding Supplements That Work Like Steroids 2022

You need to work smart so that each and every minute you spend building muscle can count toward significant gains.

You may have heard about steroid alternatives, supplements that can give you the edge in terms of power, muscle gains and stamina, but are they safe? For competitors in the bodybuilding scene, the more important question is, are these supplements legal?

We take a look at the top bodybuilding supplements that work like steroids and show you why you should consider taking these supplements to get a much-needed push in the right direction.

Take a look at our 5 best bodybuilding supplements and see why they make the cut.

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The ingredients work together to produce a powerful anabolic environment for maximum performance enhancement and for quickly building strength and muscles.

The ingredients in the bodybuilding supplement work to bring back testosterone production, thereby accelerating muscle growth, sex drive and stamina.

Bodybuilding Supplements Review

Do bodybuilding supplements work? This list of top bodybuilding ingredients will help you choose wisely.

Bodybuilding supplements are taken by bodybuilders and weightlifters to build muscle and lose fat mainly for esthetic purposes.

Athletes may require bodybuilding supplements to enhance their stamina and endurance during long, intense training.

As with any other supplements, bodybuilding supplements are effective when used exactly as instructed.

While bodybuilding supplements have so far been generally safe to use, it is still advised that you consult your specialist first prior to using these supplements, especially if you have a medical problem.

A wide range of bodybuilding supplements are available in the market, and they intend to deliver different results.

Bodybuilding supplements are called “Supplements” for a reason.

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Bodybuilding Supplement

Bodybuilding supplements are dietary supplements commonly used by those involved in bodybuilding, weightlifting, mixed martial arts, and athletics for the purpose of facilitating an increase in lean body mass.

The 1970s and 1980s marked a dramatic increase in the growth of the bodybuilding supplement industry, fueled by widespread use of modern marketing techniques and a marked increase in recreational bodybuilding.

In October 1994, the Dietary Supplement Health and Education Act was signed into law in the USA. Under DSHEA, responsibility for determining the safety of the dietary supplements changed from government to the manufacturer and supplements no longer required approval from the U.S. Food and Drug Administration before distributing product.

The US FDA reports 50,000 health problems a year due to dietary supplements and these often involve bodybuilding supplements.

The incidence of liver damage from herbal and dietary supplements is about 16-20% of all supplement products causing injury, with the occurrence growing globally over the early 21st century.

The most common liver injuries from weight loss and bodybuilding supplements involve hepatocellular damage with resulting jaundice, and the most common supplement ingredients attributed to these injuries are catechins from green tea, anabolic steroids, and the herbal extract, aegeline.

Other products by supplement designer and CEO of Driven Sports, Matt Cahill, have contained dangerous substances causing blindness or liver damage, and his pre-workout supplement Craze was found to contain illegal stimulants that resulted in several athletes failing drug tests.