Category: Montana Lending


‘Grimsburg’: Jon Hamm to star and produce animated comedy Fox | Entertainment



Emmy Award Winner Jon hamm (Mad Men) lends its voice to the new Fox animated comedy Grimsbourg, created by Catlan McClelland and Matthew Schlissel. Following Hamm’s Detective Martin Flute as he reunites with his mysterious family in the titular city, the new enlightened series is set to premiere in 2023.

“In Grimsburg, Marvin Flute (Hamm) is perhaps the greatest sleuth to have caught a cannibalistic clown or to correctly identify a mid-century modern wardrobe. But there’s a mystery he still can’t solve: his family, ”the show’s synopsis read. “Now that he’s back in Grimsburg, a town where everyone has a secret or three, Flute will follow whatever leads he has to redeem himself with the ex-wife he never stopped to ‘love, even if it means hanging out with the son he never bothered getting to know. “

Hamm shared his enthusiasm for his new animation business, saying, “I am very happy to be involved in the world of Fox animation. A universe that I have actively observed since the beginning of the 90s. The opportunity to bring a project like Grimsbourg to such a special and unique life, and working with its incredibly imaginative and hilarious creators is one that I can’t wait to start.

Having won several awards for his role as businessman Don Draper on AMC Mad Men, Hamm is currently in production on the John Slattery film Maggie Moore (s), featured alongside Tina Fey.

The series announcement was made by Fox Entertainment President Michael Thorn, who said, “As we continue to develop our animation brand beyond family comedies, GrimsbourgThe insanely funny, bizarre, and inventive take on the detective genre makes it the perfect next-gen Fox comedy. And with Jon Hamm at the forefront as Marvin Flute, the deeply troubled sleuth with very eclectic tastes and opinions, we think this could finally be Hamm’s landmark role as a leading man.

Hamm will produce the series with Gail Berman, Hend Baghdady, Connie Tavel and showrunner Chadd Gindin. Creators McClelland and Schlissel will serve as co-executive producers.

Grimsbourg, Series premiere, TBA 2023, FOX


Top Cannabis Lobbyists Working on Federal Regulatory Reform



Dan McFaul, Partner at Ballard Partners

Dan McFaul, partner at Ballard Partners, has worked with dozens of local, state and federal campaigns.

Ballard Partners


McFaul vividly remembers helping his former boss, Rep. Jeff Miller, unpack his office about 20 years ago when he came to Congress. As they were taking things out of the boxes, they came across a photo that showed Miller – a conservative Republican from Florida – doing a marijuana bust while in law enforcement.

Still, Miller’s stance on the issue will soften when he becomes chairman of the Veterans Committee. Miller would hear veterans from Iraq and Afghanistan who suffered from traumatic brain injuries and PTSD tell him that they had benefited from the use of medical marijuana.

“He went from that type of Reaganesque ‘just say no’ type of drug policy to that stance that has evolved into, ‘If a veteran gets relief from cannabis, who am I to say no he can’t?’ McFaul, who was Miller’s chief of staff and communications director, told Insider.

“It got me thinking about my own position,” McFaul added, “and that maybe I could move up if he did.”

Today, McFaul works for the lobbying firm Ballard Partners and has been there since 2017. He has several medical cannabis clients, including Trulieve, who acquired Harvest Health and Recreation Inc. in October. He is mainly pushing for financial reforms in the sector, including the passage of the SAFE Banking Act, and said he was surprised at the number of Republicans who had supported progressive reforms on the issue.

McFaul predicts that regulation of cannabis is along the same lines as same-sex marriage – that in 20 years, especially as more young people are elected to Congress, people will not be able to believe that there was a time where it was once illegal.

McFaul has extensive political experience in state, local and national elections. He served as a campaign manager for former Rep. Joe Scarborough, a Florida Republican who has since left the party, and also became its legislative director.

He was also part of President Donald Trump’s presidential transition team, where he helped recruit and screen appointees to agencies including the Department of Defense and the Department of Veterans Affairs.

The firm where he works today, Ballard Partners, is based in Florida but also has an office in Washington. It was founded by Brian Ballard, a longtime friend and fundraiser for Trump.


Texts Explain How Ohio Regulator Provided Internal Aid to FirstEnergy | national news



COLUMBUS, Ohio (AP) – Recently published texts between executives of FirstEnergy Corp. detail a series of favors bestowed on the company by Ohio’s main utility regulator, a man coming under scrutiny in an ongoing federal corruption investigation.

Akron-based FirstEnergy had a friend inside in early 2020: Sam Randazzo, chairman of the Ohio Utilities Commission. Randazzo resigned last November after an FBI search of his home and revelations that top executives at FirstEnergy had approved the $ 4.3 million payout, weeks before his appointment as Ohio’s top utility regulator in 2019.

The March 2020 texts between the two executives – who have since been fired – represent new insight into the details of what Randazzo has done on behalf of the company.

CEO Chuck Jones and Senior Vice President Dennis Chack wrote that Randazzo’s help included canceling Utilities Board staff and commissioners over a revenue guarantee in a 2019 energy bill now corrupted.

Randazzo also helped “burn” an updated audit report on FirstEnergy charging clients $ 456 million – charges deemed inappropriate by the state’s Supreme Court. The fees charged to customers were for grid upgrades, but instead FirstEnergy used the money to create a loan pool that its power subsidiaries, including those outside Ohio, could tap into.

“He (Randazzo) will do it for us but can’t just abandon the whole process,” Jones wrote to Chack, adding that Randazzo’s help had led to “a lot of talk in the halls of PUCO about whether he works. over there or for us? “

About five months later, federal officials accused FirstEnergy of secretly funding an elaborate $ 60 million corruption program to elect a new Ohio House president. The company was hoping the new speaker would pass legislation to bail out two nuclear power plants then operated by a wholly-owned subsidiary of FirstEnergy, then overturn a vote to repeal the law.

The text exchange was obtained by Ohio consumer attorney Bruce Weston in a subpoena issued to the Public Services Board for investigative documents regarding FirstEnergy and the corruption scandal.

“We are seeking justice for the consumers of FirstEnergy at PUCO, where there has not been enough,” Weston said in a statement Thursday.

FirstEnergy signed a deferred prosecution agreement in July that asked the company to pay $ 230 million in penalties and adhere to a long list of reform measures to avoid criminal prosecution. The company, in a statement attached to the deal, described its role in the bribery program and how the company benefited from Randazzo’s help.

Randazzo has not been criminally charged and has denied any wrongdoing. A message requesting comments from his lawyer was not immediately returned.

The links between the passage of the nuclear rescue bill and FirstEnergy’s corruption efforts were first exposed in July 2020, when Federal authorities arrested then Speaker Larry Householder and four others accused of conspiracy. Householder has pleaded not guilty and is awaiting trial.

FirstEnergy fired Jones, Chack and senior vice president Michael Dowling in October 2020 for violating company policies and code of conduct. None were the subject of criminal charges. Jones said he hadn’t done anything wrong. A spokesperson for Jones did not immediately respond to a request for comment on Thursday.

FirstEnergy spokeswoman Jennifer Young declined to comment on the text messages.

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Gillispie reported from Cleveland.

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This story has been corrected to show that the spokesperson for FirstEnergy is Jennifer Young, not Jennifer Thornton.

Copyright 2021 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission.


Massachusetts homebuyers are priced out of the market [OPINION]



The average price of a single-family home in Massachusetts is a record $ 509,000 – that according to the Warren Group, which closely monitors this stuff for the industry. As a result, the sale of single-family homes fell 10.4% last month from September 2020, but remains 14.7% higher than in September 2019.

Warren Group CEO Tim Warren said the $ 509,000 price tag is 7.4% higher than the September 2020 average price of $ 474,000 and 27.8% higher than the September 2019 median price of $ 400,000.

A caller to my program with knowledge of the real estate industry said that the current sale price is probably an average monthly mortgage payment of at least $ 2,500. He estimated that this could amount to more than two-thirds of a mortgage holder’s monthly income.

The caller said credit institutes and even homebuilding trade groups are buying new single-family homes as cover in case the current housing bubble bursts, which he says will happen sooner rather than later.

Tim Warren told the State House News Service that the main reason for the drop is that the typical price of a house in Massachusetts has climbed “too high and too fast.”

“There aren’t a lot of people out there who are still looking for a home that can afford what homes cost these days,” he said.

“The median price of a single-family home has increased almost 18% so far this year, and that comes on top of an 11% gain last year. And prices have gone up every year for the past decade, Warren said. too expensive for most people. “

The Warren Group reported that condo prices have also skyrocketed. The average price of condominiums rose 6.7 percent in September to $ 445,000. This is the 14th consecutive month with a median selling price above $ 400,000.

My interviewer told me that the bubble is about to burst, and when it does, it will rival the real estate crisis of 2008, when millions of people lost significant value from their investment or property. .

Barry Richard is the host of the Barry Richard Show at 1420 WBSM New Bedford. It can be heard on weekdays from noon to 3 p.m. Contact him at [email protected] and follow him on Twitter @ BarryJRichard58. The opinions expressed in this commentary are solely those of the author.

WATCH: Famous historic homes in every state


2 more House Democrats retire, highlighting 2022 hurdles | national news



RALEIGH, NC (AP) – Two longtime Democratic congressmen with a combined experience of six decades announced Monday that they plan to retire at the end of their terms, another worrying sign of the party’s rise to retain control of the House midterm next year. elections.

Rep. David Price, 81, the longest-serving member of the congressional delegation from North Carolina, and Rep. Mike Doyle, 68, the longest-serving member of the congressional delegation from Pennsylvania, said they would not run again next year.

The news is coming just a few days later Representative John Yarmuth of Kentucky, influential Chairman of the House Budget Committee, announced his own decision to retire, bringing the total number of House Democrats who have revealed their intention to retire or to a dozen. look for another position.

While the three men cited various motivations – the realities of redistribution and the desire to spend more time with their families among them – the decisions underscore the challenges Democrats face as they attempt to retain their slim majorities as majorities. razors in both houses of Congress. The party that wins the White House typically loses seats in Congress in the following midterm elections, and more members are expected to leave as they face the reality that they could find themselves in the minority.

But that didn’t seem to be the case with Monday’s departures.

“I think now is the time to pass the torch to the next generation,” Doyle said at a press conference in his Pittsburgh office.

In addition to passing the torch, he said the COVID-19 pandemic has accelerated his thinking about retirement with his wife. And he noted that the redistribution is likely to bring substantial changes to his district’s boundaries, most likely pushing him outside of Allegheny County in the southwestern part of the state.

“You know, it’s going to be a whole new district, new people, new counties maybe, and a good starting point for a new congressman to acclimate to that district and go from there,” he said. he declared.

Doyle was first elected in 1994 in a district that currently includes all of Pittsburgh and some of its increasingly liberal suburbs. He easily fended off major challenges from the left while easily winning his re-election against token Republican opposition, and he was not seen as vulnerable.

“I just think he felt it was about time,” former Doyle campaign strategist Mike Mikus said of the decision.

In North Carolina, Price has represented the 4th Congressional District in the Raleigh-Durham region for all but one term since joining the House in 1987. As the state’s only member of the powerful committee of House appropriations, he directed funds to projects and state presidents. the panel’s transport, housing and urban development subcommittee.

Price’s announcement comes as state lawmakers begin to redraw the boundaries of North Carolina’s House District based on 2020 census figures. Even with Republicans controlling the General Assembly, nearly all of them reconfigured districts drawn in the heavily Democratic region of the state would have made Price a big favorite to win next year. He has been re-elected with at least two-thirds of the votes in every general election since 2012.

“While it is time for me to retire, now is not the time to signal our efforts to achieve a ‘more perfect union’ and to protect and expand our democracy,” Price said in a press release. announcing its decision.

Price had been considering retirement for some time, according to his former chief of staff Asher Hildebrand, and may have resigned sooner if Donald Trump had not been elected president in 2016. Senior elected officials like Price may have been able to resign. “Seeing the country through a time of considerable peril,” Hildebrand said.

Hildebrand also noted that it is very likely that any district fired in the Price area will remain in Democrats’ hands, so “this decision will not affect the majority in the House.”

The two retirements are likely to trigger intense hardship for Democrats looking to succeed them. “These opportunities don’t come up very often,” Mikus said.

Western Pennsylvania is already on the verge of losing a House seat due to low population growth. The Pittsburgh Democrats hope to retain two Democratic-leaning congressional districts, and Doyle’s departure opens up the possibility of splitting Pittsburgh to help achieve that.

“You don’t have someone fighting fiercely to defend their territory,” said Marty Marks, a Democratic campaign consultant based in Pittsburgh.

Many of the other Democratic members of Congress who have announced their retirement plans hail from hotly contested swing districts that could tip Republican and ultimately decide control of the House. Several are candidates for the Senate.

The GOP has already announced plans to target many vacant seats, including those held by Senate candidate Conor Lamb of Pennsylvania; Filemon Vela from Texas; Cheri Bustos from Illinois; and Ron Kind from Wisconsin.

In recent years, Republicans have seen more retirements than Democrats, including in 2018, when 37 Republicans refused to be re-elected before deadly losses, compared to just 18 Democrats, according to political monitoring site Ballotpedia. But members typically wait until later in the cycle – usually in January – to announce their retirement.

So far, 10 House Republicans have resigned this year or said they are not seeking re-election in 2022.

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Levy reported from Harrisburg, Pennsylvania. Colvin reported from New York.

Copyright 2021 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission.


Ranch Embraces Wildlife and Sustainability to Raise Renowned Yaks | ABC Fox Missoula



KALISPELL, Mont. – With hundreds of gems hidden across the Big Sky, the one that stands out in Kalispell is the famous Spring Brook Ranch, where you can spot dozens of carefully bred yaks that any breeder can appreciate and spot for miles.

Best known across the country for producing some of the best, well-behaved yaks that any breeder can appreciate for their looks, genetics, and meat quality, and they are right here in Montana.

On a thousand acres of land is the Montana Wildlife Site, where owner Jim Watson inherited from his late father-in-law. Where he and his wife Carol continue his lifelong dedication to ranching life. Jim says he fell in love with them very early on as a child raising yaks was never in the picture, especially in Montana, but now his life is surrounded by them and Watson tells me he doesn’t. would not have done otherwise.

He shares, “I want to bounce out of bed in the morning with a lot to do and so it works in that regard.”

As yaks have been around for at least 12 million years and were originally bred for their tractability, high milk production, meat and even fur. At Spring Brook Ranch, ranch manager Jim and Christy Novak raise Tibetan yaks for the local meat market and supply purebred animals across the country.

As they are known throughout the States and Canada, they can easily tell that almost every ranch in the United States has Spring Brook Ranch somewhere in their pedigree.

Coming from the woman known as the “Yak Whisperer,” she tells how her relationship with the Yaks began early in her move from Missoula to Kalispell.

Where she spends her days learning, healing and working alongside these gentle giants and helping them realize their full genetic potential.

“I had a thing with them, I trusted them, they trust me … With these guys they are so willing to be with me and walk around and walk and if you fix a waterer they are in your back pocket “Whatever there is on the floor, they will walk away with it, their curiosity is, I think, what attracted me the most,” she says.

As Novak and Watson are known to produce some of the best yaks in the country, they share a common goal of a kind, wealthy, exploitable and manageable animal as they are best known for their gentle herd. While selling yaks for profit has taken on over the past few years, for those here it is more about preserving their yaks from a local state of mind. Which means sticking to the ranch’s sales to friends and neighbors, and centered around a wholesale business platform.

As herders, they are no strangers to raising wild animals and selling their livestock for a profit, but with the continuing shortages and the accompanying battles with supply and demand, some ranchers are seeking to produce more so that profits remain high, but this ranch does not share the same angle as other companies.

“Where the market is right now is quantity rather than meat, not quality, so we can’t compete in the meat market, we won’t compete in the meat market that we let’s keep local we only do a few areas here in the valley but we are also quality but i have to remember they are just a meat animal no matter how good so at the end of the day Brittany (Yak) is beautiful we always want spring from the ribs, we always want to know if she still makes good steaks, it’s from a calf, it starts from that day to be a Spring Brook doll Ranch, ”Novak said.

These animals give way to an environment enriched by other wildlife habitats. While he spends time making sure these yaks are in A + shape for the future, he also uses them to make sure the land is worth returning for all animals.

Looking to the future, the priority is to maintain the beauty of this ranch for the yaks with an emphasis on sustainability and the wildlife to be subdivided for the next generation of Montana wildlife.


Now Healthy, Tyrel Thomas Feeds Montana State With Humor And Versatility | Bobcats MSU



BOZEMAN – Montana State defensive back Tyrel Thomas describes himself as a goofball. The same goes for MSU DBs assistant coach Kyle Risinger. Bobcats Safety Tre Webb called Thomas a comedian.

“It’s good to laugh,” Thomas said. “If you can go a day without smiling, there is something wrong.”

Thomas said this in early August, about a week before he aggravated a knee injury. He learned soon after that he needed surgery. The senior was suddenly faced with a long absence, an absence he and his coaches feared could last the entire season. It wasn’t that bad, but Thomas still had to miss five games, two in which he was active but still on the sidelines.

Through it all, his morale remained high.

They got higher in Saturday’s return game against Cal Poly. Thomas didn’t just play for the first time this season, he managed an interception in his first streak. He showed what the No.9 ranked Bobcats missed and what they expect to get from Thomas as they enter the toughest part of their Big Sky schedule.

“His maturity since coming here his first year and every year on top of that is really impressive,” Risinger said on Monday. “He’s played a lot of snaps for us here, a lot of big snaps, so so he can be upbeat and show these guys, ‘Don’t be down, he’s bigger than you’, and keep helping the team, it was great.

Thomas said he suffered a tear while returning home in Compton, Calif., And was injured again during fall camp. He hadn’t played since 2019 because last season was canceled due to the COVID-19 pandemic, so he was eager to play the 2021 opener in Wyoming.

When the fall camp injury happened, he knew he would be out for more than this game. The realization made him burst into tears.

“I worked so hard to get a start to the season, play against Wyoming, then the first week of fall camp, it was just a setback that I didn’t want or expect to happen,” he said on Monday. “I really don’t want to come back to it, just talk about it, because it hits me, it just makes me feel a little (bad) on the inside.”

It wasn’t easy, but Thomas was able to stay positive, in part because he knew he would be back this season. It’s also just who he is, his teammates and coaches said.

“I try to keep the smile on my face,” Thomas said. “If I’m feeling down, I always want to make someone else laugh. You could cheer me up because you could come back with another comment that will make me laugh.

Thomas’ humorous nature is hard to hide. He dropped his phone at the start of Monday’s press conference, quickly put it back on the table, and walked around the room with a smile that was both embarrassed and mischievous.

Montana State defensive back Tyrel Thomas discusses his return from injury, his interception against Cal Poly and more on Monday, October 11, 2021 at the Bobcat Athletic Complex in Bozeman.






Webb said Thomas constantly made “hilarious” comments during meetings.

“I really feel like he could be a comedian,” said Webb. “But at the same time, when it’s time to get serious, he’s one of the most serious guys around.”

Thomas did yoga, Pilates and other things to recover his range of motion in his knee when he recovered, he said. Even though he wanted to return to the field, especially when he was active in the two weeks leading up to Cal Poly’s game, he remained patient.

“It doesn’t make sense for me to continue fighting there,” he said. “It’s better for me to be healthy on the pitch than to suffer while trying to play.”

Thomas has also focused on bringing his knowledge to younger teammates such as freshman Simeon Woodard and sophomore Eric Zambrano, the current holders of the cornerback.

“He’s a lively person, that’s for sure. Competitive. I think at the same time, as a skillful guy, he really knows his body, ”MSU head coach Brent Vigen said on Monday. “He was there and helping the younger ones, Simeon in particular, and getting ready to leave.”

Thomas attended Bellflower Middle School (Calif.) With MSU safety Jeffrey Manning Jr. Last month, Manning said it was a dream to play in college with Thomas, and he predicted artifice ”when they finally appeared together on the pitch.

On Saturday, Manning hit Mustangs wide receiver Evan Burkhart on an apparent catch and forced the ball into the air. Thomas grabbed the pass and sent it back to the Mustangs 20-yard line. The pick led to a touchdown in the 45-7 win.

“This moment was very special because we’ve been coming back from college,” Thomas said, referring to Manning. “Like he said, fireworks.”

The 5-foot-8, 173-pound Thomas played primarily at the cornerback position during his MSU career, including Saturday, but he was listed as the starting nickel before his injury. Defensive coordinator Freddie Banks said Thomas will likely get nickel playing time this season.

Just because nickel rookie Ty Okada didn’t play badly. In fact, he was one of the best defensive players in MSU. Thomas would play nickel for the sake of confrontation and to give Okada a break. Banks and Vigen have been talking all season about the importance of depth and freshness. Starting corner James Campbell is still injured in his lower body, according to Vigen, so Thomas came back on time.

The Bobcats (5-1, 3-0 Big Sky) will face their season-long first-seeded opponent, No.19 Weber State (2-3, 1-1), Friday night in Ogden, Utah. MSU is hopeful that Thomas’s ability, versatility and contagious personality can help his team secure the first of several wins against tough opponents.

“I feel great,” Thomas said. “There’s nothing quite like being out on the pitch and playing games.”



Helena city offices closed Monday for Indigenous Peoples Day | Local








The City-County Building in downtown Helena.


THOM BRIDGE, Independent Disc


Independent recording and wire reports

The administrative offices of the city of Helena and the transfer station will be closed on Monday in recognition of Indigenous Peoples Day.

Garbage normally picked up on Monday must be taken out before 7:00 a.m. on Tuesday to be picked up. For more information on the transfer station or waste collection, call 447-8086.

The Commission for the City of Helena passed a resolution in 2019 to change the name of Columbus Day, a federal holiday in October commemorating the arrival of Christopher Columbus to the Americas in 1492, to Indigenous Peoples Day.

Efforts to bring about a similar statewide change have repeatedly failed in the Montana legislature. A call to action and an Indigenous Peoples Day rally will be held Monday at 10:30 a.m. outside the Missoula County Courthouse at 200 W Broadway St, Missoula.

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President Joe Biden issued the first-ever presidential proclamation of Indigenous Peoples Day on Friday, providing the most significant impetus to date in efforts to refocus the federal holiday celebrating Christopher Columbus towards an appreciation of indigenous peoples, reported the Associated Press.

The day will be celebrated on October 11, as well as Columbus Day, which is established by Congress.

“For generations, federal policies have systematically sought to assimilate and displace Indigenous peoples and eradicate Indigenous cultures,” Biden wrote in the proclamation of Indigenous Peoples Day. “Today, we recognize the resilience and strength of Indigenous peoples and the immeasurable positive impact they have had on all aspects of American society.”


Legal Limbo leaves Texas abortion providers to navigate risky waters



With the court’s latest stay on the application of Texas’ near-total abortion ban, some clinics have resumed proceedings. But as challenges unfold in the justice system, healthcare providers who do so could face potential future legal risks.

Houston Chronicle: Texas abortion ban still a threat, despite federal judge ruling

Some Texas clinics resumed performing abortions on Thursday after a federal judge suspended the state’s near-ban on the procedure, but others are waiting for an imminent appeal to be resolved. U.S. District Judge Robert Pitman issued a preliminary injunction on Wednesday evening that prevents the application of the new law known as Senate Bill 8. violate guidelines for damages of at least $ 10,000. The state said it would appeal. (Goldenstein and Blackman, 10/7)

The Wall Street Journal: Texas abortions resume after federal judge clears them

Some clinics in Texas began performing abortions again more than six weeks Thursday after a federal judge blocked a state law imposing a virtual ban on the procedure, while others are moving slower as they go. as the legal challenges unfold. Whole Woman’s Health, which operates four abortion clinics in Texas, said it contacted women on Wednesday evening who were on a waiting list for an abortion after being turned away in recent weeks. The Texas Heartbeat Act, also known as SB8, came into effect on September 1. It prohibits abortions after the heart activity of an embryo can be detected, usually around six weeks after the onset of a pregnancy. (Findell, 10/7)

The Washington Post: Despite latest court ruling blocking Texas abortion ban, most providers are still reluctant to challenge it

John Seago, chief executive of Texas Right to Life, which helped draft the law, said in an interview Thursday that he was confident any doctor proposing abortions would be prosecuted if Pitman’s decision was overturned. “The big question is how will abortion providers react? Said Seago. “They can’t just say, ‘I was acting under injunction protection.’ Will a doctor or industry be willing to take the risk? Legal uncertainties have left Texas abortion providers in limbo. At Whole Woman’s Health, one of the largest abortion providers in Texas, the decision to perform the procedure after six weeks has been left to individual doctors. Many have chosen to continue to comply with the new law, said Joe Nelson, an abortion provider at Whole Woman’s Health in Austin. (Kitchener, Wax-Thibodeaux, Marimow and Parcs, 10/7)

Also –

NPR: After New Abortion Law, Louisiana Clinic Sees More Texans

The day before a federal judge blocked the application of Texas’ restrictive new abortion law, the parking lot at the Hope Medical Group for Women in Shreveport, La., Was filled with Texas license plates. Women held the door open as the rope spilled onto the sidewalk and into the grass. “I drove 6 hours and 58 minutes,” said Mr. from Corpus Christi, who declined to give his full name for confidentiality reasons. “I arrived at 8:55 this morning. So I haven’t eaten, we can’t bring anything to drink. My boyfriend is sleeping in the car.” M. is 20 years old and a university student. She says she doubled up at her duty job all weekend so she could afford the trip. (McCammon, Hodges and Mehta, 10/7)

Houston Chronicle: Most Striking Quotes From Federal Judge’s Decision Blocking Texas Abortion Ban

Just after 7:30 p.m. on Wednesday, federal court staff in Austin posted a 113-page document that – in theory at least – changes the way abortion services are delivered to thousands of patients in Texas. The ruling by U.S. District Judge Robert L. Pitman is a scathing rebuke from SB 8, the Texas law that imposed the most severe restriction on abortion since Roe v. Wade. The judge points out that the law places the responsibility for enforcement on citizens and writes about “the absurdity and perversity of a law that urges people who do not disagree with abortion care to sue abortion providers for quick money “. (Banks, 10/7)

Houston Chronicle: Matthew McConaughey has “a problem” with Texas abortion ban

Actor Matthew McConaughey is still not ready to say whether he is running for governor, but the Uvalde native gave some insight into his political stance on abortion during an interview on a podcast with the New York Times. McConaughey has repeatedly strayed from the details of the policy, but made it clear that he is not a fan of Senate Bill 8, the legislation that effectively banned abortion in Texas. McConaughey said parts of the law, which were blocked by a federal judge on Wednesday night, are “a bit juvenile” and said he disagreed with not having exceptions for women victims of rape or incest. “I have a problem with this,” McConaughey said. (Wallace, 10/7)

KHN: “What The Health?” by KHN: Front and Center for Abortion Policy

Abortion, a problem that has been simmering mostly below the surface of late, takes center stage in battles in Supreme Court, Congress, and in the states, as the fate of legalized abortion in the United States hangs in the balance. Thu. Meanwhile, Congress flirted with disaster as it seemed unlikely to meet the deadline to approve a series of budget bills, including an extension of the federal government’s lending power. But lawmakers have found ways to extend the programs long enough to continue negotiating until the fall. (10/7)

In abortion news from other states –

The Washington Post: Pressure mounts on Florida Republicans as anti-abortion activists consider their next battleground state

The Manatee County Commission was considering a plan to explore the abortion ban, and Carol Whitmore seemed like a likely “yes” vote. She’s been a longtime Republican, serving on the majority Republican board of directors, in a county that voted overwhelmingly for Donald Trump in 2016 and 2020. But when it was her turn to speak in last month’s deliberations, Whitmore has publicly revealed an experience she had only talked about privately: she had an abortion in 1973, the year Roe v. Wade was decided. She was then a teenager, pregnant in a non-consensual relationship, and an aunt had given her the $ 150 needed for the procedure after her parents kicked her out of the house. “Do I regret it?” Yes, ”Whitmore said. “Do I still believe that women should be pro-choice? Yes. “(Rozsa and Wax-Thibodeaux, 10/7)

Wisconsin Public Radio: Republicans in Wisconsin continue to push for abortion law changes, despite previous vetoes

Republican lawmakers in Wisconsin continue to push for Wisconsin’s abortion laws to be changed, despite previous vetoes from Gov. Tony Evers. A state assembly committee on Thursday heard testimony for hours on a number of bills that would impose new requirements and restrictions on abortion providers and cut state funding for Planned Parenthood. Four of the bills were approved by the GOP-controlled legislature in the last session and then vetoed the governor. (White, 10/7)

Springfield News-Leader: Missouri issues new abortion center rules, aimed at removing family planning from Medicaid

New rules released by the Missouri Department of Health last week will tighten inspections of abortion centers and could put the state’s last provider at risk of losing Medicaid funds. Issued by the Department of Health and Seniors’ Services, the regulation increases control over health inspections and record keeping, and allows the department to share this information with the Department of Human Services. The DSS could then decide to cut Medicaid funding for Planned Parenthood, which operates the state’s only abortion clinic in St. Louis. (Bacharier, 10/7)

Montana Free Press: Judge blocks Montana abortion laws as case unfolds

A Yellowstone County District Court judge has blocked three abortion restrictions from coming into effect while the case over their constitutionality continues. Judge Michael Moses’ ruling came a week after he issued a temporary restraining order in the same case barring the state from enforcing the bills for 10 days after their effective date on October 1st. (Silver, 10/7)

This is part of the KHN Morning Briefing, a summary of coverage of health policies by major news organizations. Sign up for an email subscription.


Retzlaff to lead PRMG branch in Choteau | New



Paramount Residential Mortgage Group Inc. (PRMG) has opened a branch in Choteau at 301 Main Ave. N., where Credit Officer Angela Retzlaff will see residential mortgage clients by appointment.

She can be reached at 406-215-9760 in the office or 406-590-6448 on her cell phone. It can be emailed to [email protected] and has a website at AngieRetzlaff.com.






Credit Officer Angela Retzlaff is eager to meet new clients who need residential mortgages to buy a new home, buy a principal home or purchase an investment property.




PRMG was named one of America’s Top 100 Mortgage Companies for 2020 and named America’s Top 50 Mortgage Companies to Work For.

According to the company’s website (www.prmg.net), since 2001, PRMG continues to be one of the top 25 lenders in the mortgage industry. As a private mortgage banker and residential housing lender, PRMG has successfully helped many borrowers purchase and refinance their homes across the United States.

The company’s goal is to provide clients with a “path” to more consumer-centric businesses and modern lending technology. This includes innovative products and cutting edge customer service levels.

When the company first opened, there were three people dedicated and committed to helping the business grow. Today, PRMG employs more than 3,000 people and has more than 230 branches across the United States.

PRMG is known for its unique corporate culture, acquired over time. The company affirms that its work environment is relaxed and made up of highly motivated and competent professionals, endowed with a team spirit and strong fundamental values.

The company offers career development and advancement opportunities to employees at all levels. In addition, PRMG offers excellent benefits and competitive compensation, according to the company.






PRMG Agency

Paramount Residential Mortgage Group Inc.’s Great Falls office has opened a branch in Choteau at 301 Main Avenue N.




PRMG is headquartered in Corona, California. In Montana, the company has offices in Bozeman and Great Falls, and the Choteau office is considered a branch of the Great Falls office.

Retzlaff was born and raised in Crandon, Wisconsin, but has local ties to Choteau.

“My grandfather, Pete Baumgartner, moved here many, many years ago,” she said. “My first visit to Choteau was with my mother, Helen Bishop, in 1985 to visit my grandfather. My mother then moved to Choteau about 25 years ago, where she met and married my stepfather, Randy Bishop. I also have a brother Jonathan Hauser, a sister Jennifer Hauser, a half-sister Alyssa Bishop as well as nieces and nephews who live here.

Retzlaff said she has been here several times over the years and has always loved it. “There is such honest friendliness in this community that I haven’t seen anywhere else,” she said.

She has a 27-year-old son, Jassie, who still lives in Wisconsin. She enjoys hunting, fishing and rock hunting.

Before working at PRMG as a loan officer, she worked for 18.5 years in a credit union in Crandon. She had initiated mortgage loans there since 2014.

Retzlaff is just a few courses away from graduating from his Bachelor of Science in Business Administration from the University of Wisconsin at Platteville, but has had to put it on hold for now.

Retzlaff said PMRG offers a wide variety of mortgages for the purchase or refinance of primary residences, second homes and investment property. “We have a lot of loan programs available,” she said. “Some of the options are conventional, the Veterans Administration, Federal Housing Administration, US Department of Agriculture, jumbo and alternative options, such as bank statement loans for independent borrowers or investor cash flow for l ‘purchase and refinancing of investment property. “

She is the only employee at the Choteau branch and there are two employees in the Great Falls office. PMRG is licensed to make loans in 48 states.

Retzlaff said his customer base will include anyone looking to buy or refinance a home or investment property.

PRMG offers a home loan and charitable benefits program to employees of participating businesses. There is no participation fee for the company or the employee.

This program can provide employees with below-market mortgage financing as well as the ability to donate to a trusted charity of the company’s choice. Under this employee program, the company will receive additional benefits, including credit from the lender and a percentage of the real estate agent’s commission for closing costs; a donation of up to $ 1,000 on behalf of the employer to a designated charity; a dedicated VIP team; discounted interest rates and closing cost credits.

“Please contact me to find out more,” she said. “It’s a great way to give back and show your appreciation to your employees. “

She said her short-term goal was to make the community aware that she was here and able to help. “I am available to help with a purchase, refinance, or answer any questions regarding mortgage options, credit requirements and credit improvement. I am also delighted to be able to meet more people from the region, ”she said.

Longer term, she said she wanted to be able to help as many people as possible achieve their dream of owning a home.

“I want to get involved in Choteau and the surrounding communities,” she said. “I would like to see more housing options available in the community.

Retzlaff started meeting people by joining the Choteau Chamber of Commerce.


Pennsylvania ranks 3rd among states not trusting government on childhood vaccines, study finds



(WTAJ) – More than 19 months after the start of the COVID-19 pandemic, American schools are back to full force. However, there are a growing number of parents who are reluctant to vaccinate their children for a variety of reasons, including not trusting the government about available vaccines.

Company and analysis site QuoteAssistant by Lending Tree took a look at the data and showed the top reasons parents across the country are not getting their children immunized. In Pennsylvania, they report that 56% do not trust the government and over 61% are worried about the side effects of the vaccine.

In Pennsylvania:

  • 61% concerned about side effects
  • 34% don’t know if children need it
  • 33% are waiting to see if the vaccine is safe
  • 56% who do not trust the government
  • 12% who do not believe in vaccination

Side effects are by far the biggest reason parents hesitate to vaccinate their children. While 61% of parents are concerned about side effects in their children, an earlier report from September showed that only 48% of Pennsylvanians were concerned about getting the vaccine themselves.

Percentages reported by QuoteWizard

Nationally, the high end of percentages of parents not trusting the government is a whopping 68% in New Jersey with a low of 15% in Delaware. At 56%, Pennsylvania ranks only below New Jersey and Iowa.

National numbers:

  • Nationally, 69% of respondents say concerns about side effects will prevent them from vaccinating their children
  • About one in three people (32%) don’t think the vaccine will work on children
  • Over 30% of people don’t trust COVID-19 vaccine or government officials
  • South Dakota, Vermont, Montana, Arizona and Pennsylvania have the most people who do not get their children vaccinated

You can view QuoteWizard’s full analysis of each state by by clicking here.


French Montana launches its own fragrance with a member of the Hennessy family



French Montana has teamed up with luxury designer Kilian Hennessy to design and market its own perfume!

The rapper from the South Bronx (via Casablanca, Morocco) French Montana extends his brand outside of music.


The “All The Way Up” award winner recently announced that it will partner with Kilian Hennessy to design the bottles for their products.

Kilian is a member of the historic Hennessy family, responsible for most of the Cognac in the world.

In an interview with WWD, he revealed that he “always wears Kilian perfumes”.

“Kilian is one of the best luxury brands in the world with an exquisite level of taste, so it made sense that we came together to make history.”

This partnership will allow French Montana to gain strength as a designer and collaborator.

He will not only be a celebrity endorser, but the rapper will also lend his name and image to various promotions. His first project is to work on a new bottle for the Angels’ Share perfume.

“It’s been a journey of selecting different molds for the bottle, and we landed on a unique design that stands out,” he explained. “I really didn’t understand how much Kilian is involved in his incredible brand. From start to finish he walked me through his process and how he leads his team.

The limited edition Angels’ Share by Kilian and French Montana will have a bottle with a gold-colored disc on the cork, engraved chains.

So what does it smell like?

He told WWD that the smell can be described as “sophisticated”, “fresh”, “clean” and “complex”.

French continued, “It’s the right scent for a night on the town or for walking the red carpet.”

Killian says it’s a natural collaboration, very much in keeping with his family’s association with rap musicians since the dawn of culture: “My last name Hennessy has always been very, very linked to American hip-hop culture.

According to Whiskey exchange, Hennessy as a brand is older than the United States of America. The spirits company was founded in 1765 by Richard Hennessy and is currently the largest producer of Cognac in the world.

The company is officially known as LVMH – Louis Vuitton Moët Hennessy and is one of the largest luxury goods companies in the world.











Hemp growers invited to participate in a survey



BILLING – This fall, the USDA’s National Ag Statistics Service will mail out its first hemp area and production survey. Montana State Statistician Eric Sommer encourages producers to look out for the survey in their mailboxes starting this month.

Montana Agricultural Network: Hemp growers invited to participate in survey

“On October 18, we will be mailing the inaugural hemp survey, which is very exciting,” Sommer said. “This is the first survey and it will kind of be our reference for growers as the official place to find data. And that will include a survey of indoor and outdoor hemp growers. “

Farmers have only been cultivating hemp on a large scale since 2018, when the domestic hemp production program was established in the Farm Bill, allowing the cultivation of hemp under certain conditions. He says it’s encouraging to see interest in hemp production continue to rise.

“It always amazes me how optimistic they are and how eager they are to embrace new things like new technologies and new cultures,” Sommer said.

He says the survey will provide the necessary data on the hemp industry to help growers and others.

“This is how other government agencies and lending institutions base their numbers and programs to help producers,” Sommer said. “So when we have a horrible year like 2021, we know how to assess the damage, who needs help and who doesn’t need help.”

Producers can complete the survey online at agcounts.usda.gov or they can complete and return the survey by mail using the return envelope provided. The survey will run from October 18 to December 10.

Learn more about the survey on nass.usda.gov/go/chanvre.


Biden picks top regulator under fire for floating ‘radical overhaul’ system to ‘end banking’



Saule Omarova has argued for an end to banking “as we know it” – and she is now vying to oversee the country’s banks.

Late last month, President Joe Biden announced plans to appoint Cornell University law professor Omarova as Comptroller of the Currency. His nomination is expected to generate fierce opposition from Republicans and could be overturned by a single centrist Democratic vote.

Omarova was born in Soviet-controlled Kazakhstan and attended Moscow State University through the Lenin Personal Academic Scholarship, from which she graduated in 1989. In a recent paper titled “The People’s Ledger: How to Democratize Money and Finance the Economy”, Omarova proposes a plan to “radically reshape the basic architecture and dynamics of modern finance”.

The article calls for sweeping changes in the way the US banking system operates by giving the Federal Reserve near total control of the entire financial system. She suggests that the central bank’s balance sheet should be redesigned to function as “the ultimate public platform for both modulating and allocating the flow of sovereign credit and money in the national economy.”

WARREN OPPOSES RENOMINATION OF POWELL AS PRESIDENT OF THE FED, CALLING HIM “A DANGEROUS MAN”

In the “exploratory exercise”, it essentially promotes the nationalization of the banking system by envisioning a system in which the Fed’s accounts do not compete with the deposits of private banks but “completely replace” them.

“Banks, in other words, will no longer be ‘special’,” Omarova wrote. “By separating their lending function from their monetary function, the proposed reform will effectively end banking as we know it. “

Amid the COVID-19 pandemic, she also raised the idea a National Investment Authority, a new government bureaucracy that would act directly in financial markets to allocate “public and private capital” to tackle inequality, climate change and other societal ills.

Omarova’s remarks on Twitter about the USSR also generated waves following the announcement of her next appointment.

“Until I came to the United States, I couldn’t imagine that things like the gender pay gap still existed in the world today. Say what you want about the former USSR, there was no gender pay gap. The market does not always “know the best”, she said. wrote.

Responding to a Twitter user who rejected the idea, she regular with: “I never claimed that women and men were treated absolutely equally in all aspects of Soviet life. But people’s salaries were set (by the state) regardless of gender. And all the women got very generous maternity benefits. Both things are still a pipe dream in our society!

His appointment faces an uphill battle in the Senate given his academic reflections. A senior Republican Senate official told the Washington Examiner on Friday that it was going to be very difficult for business-friendly Democratic senators like Mark Warner of Virginia, Kyrsten Sinema of Arizona, Joe Manchin of West Virginia and Jon Tester of Montana get on board with Biden’s pickaxe.

The offices in Manchin, Tester and Sinema did not respond to inquiries from the Washington Examiner. Warner’s office declined to comment on the matter.

These lawmakers are already feeling pressure from interest groups, with the US Chamber of Commerce speaking out against Omarova. In a letter to the Banking Committee, House Executive Vice President Neil Bradley said his group, the world’s largest trading organization, “strongly opposed” his appointment.

“The House generally believes that Presidents deserve some deference to their candidates. This deference assumes that candidates are inclined to faithfully carry out the law, and not to pursue radical political agendas incompatible with the obligations of the post of trust to which they are appointed, ”he said.

In a statement provided to the Washington Examiner, American Bankers Association president Rob Nichols said that while the association recognizes the “historic nature” of Omarova’s appointment – she would be the first woman and minority to occupy this post – its members are worried about some of its economic ideas.

“We have serious concerns about his ideas to fundamentally restructure the country’s banking system, which remains the most diverse and competitive in the world,” Nichols said. “His proposals to effectively nationalize US community banks, end risk-based regulatory adaptation, and eliminate dual banking are particularly troubling.”

Likewise, Senator Pat Toomey, the top Republican on the banking committee, also criticized Omarova.

Ms. Omarova called for ‘radically reshaping the basic architecture and dynamics of modern finance,’ including nationalizing retail banking and asking the Federal Reserve to allocate credit, ‘the Republican said. Pennsylvania. “She also advocated” to effectively end[ing] the bank as we know it. In light of these and other far-left ideas, I have serious reservations about his appointment. “

CLICK HERE TO LEARN MORE ABOUT THE WASHINGTON EXAMINER

His appointment comes after Republicans also expressed concern over the confirmation from Rohit Chopra, an ally of Democratic Senator Elizabeth Warren of Massachusetts, to head the Consumer Financial Protection Bureau. It was confirmed in a party line vote Thursday, with no Republican having voted in favor.

Washington Examiner Videos

Key words: New, Cash, Bank, Finance and banking, Presidential candidates, Nomination, Congress, White House

Original author: Zechariah Halaschak

Original location: Biden picks top regulator under fire for floating ‘radical overhaul’ system to ‘end banking’



HousingWire Recognizes Sales Boomerang CEO Alex Kutsishin’s Influence On Mortgage Industry With 2021 Vanguard Award | national news



WASHINGTON, DC, October 1, 2021 (SEND2PRESS NEWSWIRE) – Sales boomerang, the mortgage industry’s top-rated automated borrower retention and loyalty system, today announced that co-founder and CEO Alex Kutsishin has been selected as HousingWire’s 2021 HW Vanguard Award winner. The annual awards program recognizes leaders in the mortgage and real estate sectors who have had a tangible impact on the housing economy by generating cutting-edge initiatives, products and services.

Kutsishin co-founded Sales Boomerang less than five years ago with the goal of changing the way lenders think about customer loyalty by creating the country’s first automated borrower intelligence system. His spirit of innovation and entrepreneurship quickly set the company apart in the lending industry, earning it two HousingWire Tech100 awards and revenue growth of over 3,800% over its three first years of activity. Boomerang Sales now works with more than 150 independent mortgage banks, banks and credit unions for which it provided $ 468 billion in loan opportunities last year alone.

“It is a privilege to be recognized for the highly competitive HousingWire Vanguard pricing,” said Kutsishin. “Sales Boomerang would not have had its current success without the efforts of our entire team, who have worked tirelessly over the past five years to make the company the number one customer retention strategy it is today. ‘hui. “

The highly competitive HousingWire Vanguard Award recognizes C-level leaders who are committed to growing the housing economy and its many sectors, including lending, services, investment and real estate. Receiving hundreds of nominations each year, editors, reporters and HousingWire select award winners who have undeniably made an impact on the industry as a whole.

“The Vanguards have become one of the greatest accomplishments in the field of housing, and this year’s list of recipients represents an elite group of executives who have proven resilient and adaptable over the past 18 months of extraordinary circumstances. in the industry, ”said Clayton Collins, CEO of HW Media. “The 2021 Vanguards have proven to be true leaders, leading their organizations to greatness, tackling challenges head-on and making major waves in the housing market.”

Over the past year, Kutsishin has overseen the launch of Prescriptive Scenarios, Sales Boomerang’s line of “smart” lending scenarios designed to identify the ideal loan for each borrower. By eliminating the loan discovery process, this new addition to the Sales Boomerang suite gives lenders real-time alerts to help them get a better picture of their client, anticipate their needs, and build a stronger borrower-lender relationship. solid. Advances like this illustrate why Kutchishin and Sales Boomerang are trusted by hundreds of top performing lenders of all types in the industry.

About Boomerang Sales:

Sales Boomerang transformed the relationship between mortgage lenders and borrowers with the introduction of the first automated borrower intelligence system in 2017. Company smart alerts notify lenders as soon as a former client or prospect is ready and qualified for a loan. As the mortgage industry’s # 1 borrower retention tool, Sales Boomerang is trusted by more than 150 lenders – including brokers, independent mortgage companies, credit unions and banks – to help build lasting borrowing relationships that maximize customer lifetime value. To date, Sales Boomerang Alerts have enabled lenders to close over $ 30 billion in additional loan volume that would otherwise have gone overlooked and achieve customer retention rates that surpass industry standards in one. average of 3 to 5 times. To learn more about Sales Boomerang and its No Borrower Left Behind â„¢ philosophy, visit https://www.salesboomerang.com.

@SalesBoomerang @HousingWire #HWVanguards

NEWS SOURCE: Sales Boomerang

This press release was issued on behalf of the information source (Sales Boomerang) which is solely responsible for its accuracy, by Send2Press® press wire. Information is believed to be accurate but is not guaranteed. Story ID: 75591 APDF-R8.2

© 2021 Send2Press®, a press release and electronic marketing service of NEOTROPE®, California, United States.

To see the original version, visit: https://www.send2press.com/wire/housingwire-recognizes-sales-boomerang-ceo-alex-kutsishins-influence-on-the-mortgage-industry-with-2021-vanguard-award/

Disclaimer: The contents of this press release were not created by The Associated Press (AP).

Copyright 2021 Send2Press Press wire


Library Recorded Digital Gains in Disruptive Fiscal Year




Circulation at the Lincoln County Library fell in 2021, but given the pandemic and other disruptions, principal Alyssa Ramirez said document release was not the best statistic to measure success.

“As far as traffic is concerned, I’m not going to see how it compares to years past,” she told commissioners in a ministerial update on September 15. “It’s been a strange few years.”

Among the three library branches, document flow has increased in Eureka, from 13,712 at the same time last year to 17,570 this year. But declines in Libby and Troy more than offset gains in northern county, meaning circulating materials have fallen by 6,671 across the county in the past year.

“It’s definitely less than what we’ve been doing in recent years, but given the closures, COVID, etc., I think we’re doing extremely well,” Ramirez said.

Despite the service disruptions – customer visits declined significantly in fiscal 2021 – she said local readers are taking advantage of the Montana Library 2GB program, which offers e-books and audiobooks.

Ramirez spoke about the digital efforts of the library system, in particular the adoption of Beanstack, an application available to patrons. Using the app, librarians can organize literacy challenges and connect with local readers, she said.

For example, the system runs the 1,000 Books Before Kindergarten program, which encourages parents and guardians to read to their children, Ramirez said. Another is the 10 to Try, which challenges adults to broaden their horizons.

The Library System also launched this year’s summer reading program on the app. The program encouraged reading, but also activities. Ramirez called it a success, saying the county’s best young reader – an 8-year-old from Eureka – spent 9,000 minutes reading during the warmer months.

“All these [programs] are going to be all over the county, ”she told commissioners. “It was also the advantage of this application. You don’t have to have a library card. You download it and tell it which branch would be yours and you’re good to go.

Upon registering, children receive a welcome bag with a book, information materials and other freebies, she said.

Ramirez credited the library’s collaboration with Zero to Five Lincoln County, a community organization focused on helping children and families, with a boon during the pandemic.

“I love to see all of these collaborations between all of these entities,” County Commissioner Brent Teske (D-1) said. “It’s great to see them all together.

Ramirez also touted the library system’s mobile device loaner program. The organization’s 25 mobile hotspots, funded by the Montana State Library, are particularly popular and generally verified, she said. The county is fifth in Montana for traffic and second for total data usage, according to data compiled by the state library.

“A lot of people obviously use it for entertainment – streaming – but families use it for homework, for job hunting, banking and telehealth,” Ramirez said. “So many of these things are posted online.”

With around 19% of the county’s households without internet access, hotspots provide a vital link to the outside world, she said. As state funding for hotspots expires in 2020, Ramirez said his staff are looking for other ways to support the program.

“I like to think they help a lot with that, help relieve some of that stress,” she said. “More and more, our world is based on the Internet, on the virtual, all of those things. We’re excited to be able to release them until 2022. We’re definitely going to consider funding that beyond that. They are popular.

In addition to its electronic offerings, the Lincoln County Library added four laptops for payment. Two are kept in Libby, with Troy and Eureka branches receiving one each, Ramirez said.

The agency also received four iPads, but complications with erasing data between users delayed the loan process, she said.

The library operated on an operating budget of $ 416,280 in fiscal year 2021. The lion’s share of $ 393,527 came from the county, although an additional $ 11,488 arrived through state aid. Staff costs are around 70% of the system’s annual appropriations, with the remainder being spent on materials, utilities, insurance, maintenance, subscription technology, programming and training, between other expenses.


Ed Sheeran Spends £ 4 Million For More Properties For His Empire | Entertainment



Ed Sheeran spent an additional £ 4million to expand his real estate empire.

The ‘Bad Habits’ hitmaker already owns several properties in the UK – including 27 impressive homes in London alone – but it has now been revealed that he recently lost an additional £ 4million on new purchases for his empire .

According to The Sun’s Weird column, new documents show Ed spent £ 3million through his company Maverick Properties – which he founded in 2015 with his manager Stuart Camp – in 2020, along with £ 994,000 additional through its Maverick commercial properties.

The new purchases bring the total value of Ed’s property to around £ 65million.

In addition to his 27 London properties, including houses in Covent Garden and Battersea, the “Shape of You” singer also owns a large estate in Suffolk consisting of five houses.

Meanwhile, it was claimed last year that the 30-year-old singer paid off his real estate empire in cash without needing a mortgage, thanks to its estimated value of £ 200million.

A source said: “He has an excellent portfolio of properties and he owns the lot for free. There was no need to borrow money from a lender because he already had it.

“Some people have money tied up and therefore need to take out a mortgage, but Ed has loads of money in the bank, so there was no point in letting a bank make money by lending him money. He just bought them directly. “

The ‘Perfect’ hitmaker previously admitted he slept in the subways while homeless and trying to make it in London.

He explained, “I had nowhere to live for much of 2008 and 2009 and 2010, but somehow I got it to work. I knew where I was. could find a bed at a certain time of the night and knew who I could call at any time to have a floor to sleep on. Socializing helped. Drinking helped. Drinking helped. “

“I spent a week catching up on sleep on the Circle Line trains. I would go out and play a concert, wait until 5 in the morning for the subway to open, sleep on the Circle Line until noon I would go to a session – and then I would rehearse.

“It’s not like I’m sleeping in the cold streets.”


Top real estate trends for October



Let’s dive into some more recent trends we’ve seen on the ground. Here’s what’s happening in the real estate market in October 2021.

1. Rents are skyrocketing

If you are a homeowner, that’s good news for everyone. The deportation ban finally ended and rents are at record levels. According to Realtor.com, they jumped 11.5% between August 2020 and August 2021, marking the first double-digit increase on record. Rents are even more expensive than starting houses in many American cities.

The average rent for the month was $ 1,633, up $ 169 per month. Two-bedroom apartments saw the biggest jump, at 12.3% on the year. These rents now hover at just under $ 1,830 per month.

2. Buying activity slows down

It seems that the competition is finally starting to weaken. It could be back to school, the threat of mortgage rate hikes, or maybe buyers are finally exhausted by the market. Either way, it seems easier to buy a house these days.

Existing home sales are down 2% for August, the first drop in over a year, and overall sales fell 6%. What else? The auction war the rate is the lowest of the whole year. Currently, just over half of buyers face a bidding war.

3. Home prices continue to tear up

Don’t let this diminishing competition fool you. Just because some buyers are pulling out doesn’t mean houses don’t sell. They sure are – and often at a premium.

According to the most recent House price index from the Federal Housing Finance Agency, national house prices rose by more than 19% in July compared to a year ago. Between June and July alone, they increased by 1.4%.

Homes in the Census Mountain Division – which includes Arizona, Colorado, Utah, Idaho, New Mexico, Montana, Nevada and Wyoming – saw the biggest price hike . These are up 25.6%.

4. Seizures are increasing

The foreclosure the moratorium is officially in sight and the lenders have acted quickly. According to ATTOM data solutionsAugust saw a 27% jump in foreclosure filings – and that’s fair from July. Over the year, they increased by 60%.

Foreclosure starts were highest in California, Texas, Florida, Illinois and New York, while new York, Chicago, Los Angeles, Houston, and Dallas at the top of the metro list. If you are a house palm on the lookout for distressed properties, these should be the first places you look.

5. Mortgages are getting easier and easier

The Mortgage Bankers Association shows that the availability of mortgage credit is on the rise, with an increase of 3.9% between July and August. Essentially, this indicates that lending standards are easing, making it easier to get a loan. mortgage.

The availability of credit is highest on jumbo loans, which usually come with some of the highest qualification standards. Conventional loans have also seen a notable jump.

If that wasn’t enough to get investors excited, there’s another mortgage-related news that could help. A few weeks ago, the FHFA announced it was the cancellation of policies that limited Fannie Mae and Freddie mac‘s purchases of investment real estate loans. This should lead to lower rates and fees on these mortgages in the future.

The bottom line

The housing market is constantly changing. Be sure to come back in November for the latest trends and events in real estate.

You are probably aware that real estate has long been the playground of the rich and the well-connected, and that according to recently released data it is also the best-performing investment in modern history. And with an unfair set of benefits that are completely unheard of with other investments, it’s no surprise why. But those barriers have collapsed – and it’s now possible to create REAL wealth through real estate at a fraction of what it used to cost, meaning unfair benefits are now available to people like you.

To get started, we’ve put together a comprehensive guide that describes everything you need to know about investing in real estate – and made it available for FREE today. Simply Click here to learn more and access your free copy.

The Motley Fool has a disclosure policy. Editorial opinions are our own and have not been previously reviewed, endorsed or endorsed by the included advertisers. The editorial content of Millionacres is separate from the editorial content of The Motley Fool and is created by a different team of analysts.


George Ballew named Top Executive of the Year in Mortgage Banking by IAOTP



George Ballew, Senior Vice President of Member Options LLC, was recently named Top Executive of the Year in Mortgage Banking for 2021 by the International Association of Top Professionals (IAOTP) for his exceptional leadership, commitment and excellence within the banking sector.

While inclusion in the International Association of Top Professionals is an honor in itself, only a few members in each discipline are chosen for this distinction. These special award recipients are recognized on the basis of their professional accomplishments, academic achievements, leadership abilities, other affiliations, and contributions to their communities. All laureates are invited to attend the annual IAOTP Awards Gala at the end of this year for an evening in honor of their accomplishments. www.iaotp.com/award-gala

With nearly three decades of professional experience as a seasoned mortgage banking executive, Mr. Ballew has certainly proven himself to be accomplished and an expert in the field. He is a dynamic, results-oriented leader who has demonstrated success and professionalism throughout his career. Mr. Ballew is responsible for the management and operations of Member Options LLC, a mortgage division of the University of Virginia Community Credit Union, which serves homeowners throughout Central Virginia.

His impressive repertoire of past roles has included Vice President / Director of Mortgage Division at Planters Bank & Trust Company, Regional Director of Mortgages at BB&T Mortgage, CEO / Mortgage Division at First Bank, Senior Vice President at Opportunity Bank of Montana, Branch Manager at Embrace Home Loans, and Senior Branch Manager at Integrity Home Mortgage Corp.

Mr. Ballew specializes in mortgages, banking services, management, sales, loan origination, residential homes, real estate financing, working with investors, general management, financial services, working with first-time home buyers and Federal Housing Authority (FHA) loans in the United States. . In addition, he is a member of the Mortgage Action Alliance (MAA) of the Mortgage Bankers Association.

Prior to embarking on his professional career, Mr. Ballew attended Blue Ridge Community College where he received his degree in Banking and Finance. To further his education, he obtained his direct endorsement underwriter certification through HUD and his Virginia mortgage license.

Throughout his illustrious career, Mr. Ballew has received awards, accolades and has been recognized around the world for his exceptional leadership and commitment to his profession. This year he will be considered for a feature article in Top Industry Professionals (TIP) magazine and for the prestigious Lifetime Achievement Award from the International Association of Top Professionals (IAOTP). Over the past few years, Mr. Ballew has been recognized as Professional of the Year and Lifetime Achievement Recipient by several organizations.

IAOTP President Stephanie Cirami said: “Choosing Mr. Ballew for this award was an easy decision for our panel. He is brilliant at what he does, has great foresight, and is humble and motivated. We look forward to meeting him at the gala and he will be an incredible asset to our organization. “

Looking back, Mr. Ballew attributes his success to his persistence, integrity and his highly regarded reputation as a leading executive in mortgage banking. When not working, he enjoys spending time with family and friends, watching sports and traveling. Looking ahead, Mr. Ballew will continue his efforts to organize and build mortgage divisions and companies for banks and credit unions and enjoys the challenges of building successful and profitable organizations.

For more information on Mr. George Ballew, please visit: https://www.linkedin.com/in/george-ballew-95859b172/

About IAOTP

The International Association of Top Professionals (IAOTP) is an international boutique networking organization that selects the world’s best and most prestigious professionals across different industries. These top professionals have the opportunity to collaborate, share ideas, be keynote speakers, and help influence others in their fields. This organization is not a membership that anyone can join. You must be approached by the President or be nominated by a distinguished honorary member after a brief interview.

IAOTP experts have given thousands of prestigious professionals around the world the recognition and credibility they deserve and have helped build their brand empires. The IAOTP is proud to be a one-of-a-kind networking organization that selects only the best of the best and creates a networking platform that connects and brings together these top professionals in one place.

For more information on IAOTP, please visit: www.iaotp.com


Government shutdown 2021 LIVE – Federal crisis possible after the blocking of the bill with Thursday, September 30, imminent deadline



THE government could face a shutdown this week after a new deal, between Republicans and Democrats, was blocked and the Thursday, September 30 deadline approached.

On Monday, the Senate voted 48 to 50 and was unable to pass a government funding bill that would advance President Joe Biden’s $ 3.5 trillion federal overhaul.

“This is one of the most reckless, one of the most irresponsible votes I have seen in the Senate, and it should send a signal to every family, small business, market watcher, who in this chamber is. in favor of endangering the economic stability of our country, “Democratic majority leader Chuck Schumer said after the vote, according to NBC News.

Democrats are prepared to try to pass the bill again before federal funding ends at midnight Thursday at the end of the fiscal year.

The House voted last week to maintain government funding, suspend the federal debt limit and provide disaster and refugee relief, setting up a high-stakes showdown with Republicans opposing the package despite the risks triggering a fiscal crisis.

A report released by Democrats warned that a potential slowdown in government funding cuts would cost 6 million jobs and that stock market losses would wipe out $ 15 trillion in household wealth.

Once a routine affair, raising the debt ceiling has become a political weapon of choice for Republicans in Washington since the arrival in 2011 of Tea Party lawmakers who refused to allow the increase.

Read our live blog on government shutdown for the latest news and updates …

  • CLOSING 2018

    Other agencies were affected during the year 2018 which could be affected now.

    This includes “the National Science Foundation, the Fish and Wildlife Service, the US Geological Survey, the Environmental Protection Agency, the National Institute of Standards and Technology, and NOAA,” according to CBS.

  • LARGE DISTURBANCE

    American Federation of Government Employees public policy director Jacqueline Simon said it wouldn’t just be federal workers who would suffer.

    “It’s not just the federal employee who suffers when there is no paycheck on payday – its owner is not paid,” she said.

    “The credit card company doesn’t get paid, the utilities don’t get paid. They don’t go to the grocery store or buy a lot of groceries.”

  • COMPLETED

    Federal workers risk being put on leave during a blackout.

    CBS writes: “This could be of a similar magnitude to the closures of 2013 and early 2018, when about 850,000 of the 2.1 million federal non-postal workers were put on leave, the group estimated.

    “During the 2018 episode, approximately 380,000 federal workers were put on leave, according to the Public Service Partnership.”

  • ESSENTIAL DUTIES

    Essential tasks will continue to operate during a complete shutdown.

    These include:

    • Border protection
    • Medical care in hospital
    • Air traffic control
    • Law enforcement
    • Maintenance of the electrical network
  • FULL OR PARTIAL?

    According to SCS, “It would be a complete shutdown since Congress has yet to pass any fundraising bills.

    “The last shutdown, from December 22, 2018 to January 25, 2019, was a partial shutdown since Congress had already enacted five of the 12 appropriation laws.”

  • FEDERAL EMPLOYEES

    Federal employees will likely feel the strongest effect of the shutdown.

    “You have 2 million hard-working civilian employees across the country,” Max Stier, chairman of the non-partisan think tank Partnership for Public Service, told CBSN.

    “You told them all that there might be a shutdown – that means they really have to stop working on things like the [Montana] train crash or face the economic calamity caused by the pandemic. “

  • EACH STOP IS DIFFERENT

    “Every closure is different – agencies have a lot of latitude as to what they can continue to do,” said Marc Goldwein, senior policy director at CRFB.

    “Everything that is not essential has to stop, but there are different definitions of essential work.”

  • TIMERARY

    “This is one of the most reckless, one of the most irresponsible votes I have seen in the Senate, and it should send a signal to every family, small business, market watcher, who in this chamber is. in favor of endangering the economic stability of our country, “Democratic majority leader Chuck Schumer said after the vote, according to NBC News.

  • COMMON GROUND

    “We have to find our common ground, [be] respectful of everyone’s point of view, ”Pelosi said on ABC’s“ This Week ”.

    “But these are not moderates versus progressives. Overwhelmingly, our entire caucus, with the exception of a few whose judgment I respect, supports Joe Biden’s vision. And we’ll move on – making some progress this week.

  • ‘DRAMA’

    “Everything is a drama. We play a drama with people’s lives. We cannot shut down the government. We are going to shut down the government in the midst of a pandemic? This is the most irresponsible action anyone can take.” , said Rep. Debbie Dingell, D-Mich.

    “And the same goes for the debt limit. It’s all-out political rhetoric, drama. And it’s real people’s lives, it’s our position in the world, and these are bulls —. “

  • END OF THE EXERCISE

    The government could face a shutdown this week if a new deal cannot be reached between Republicans and Democrats.

    The federal government faces a shutdown if funding ends at midnight Thursday, the end of the fiscal year.

  • VOTING AT HOME

    The House voted last week to maintain government funding, suspend the federal debt limit and provide disaster and refugee relief, setting up a high-stakes showdown with Republicans opposing the package despite the risks triggering a fiscal crisis.

  • SIX MILLION JOBS

    A report released by Democrats warned that a potential slowdown in government funding cuts would cost 6 million jobs and that stock market losses would wipe out $ 15 trillion in household wealth.

  • STOP WEIGHT

    A report released by Democrats warned that a potential slowdown in government funding cuts would cost 6 million jobs and that stock market losses would wipe out $ 15 trillion in household wealth.

  • POLITICAL WEAPON

    Once a routine affair, raising the debt ceiling has become a political weapon of choice for Republicans in Washington since the arrival in 2011 of Tea Party lawmakers who refused to allow the increase.

  • JEN PSAKI IN VOTE

    White House press secretary Jen Psaki told reporters that “in our opinion this should not be a controversial vote.” Psaki said Congress has raised the debt ceiling several times on a bipartisan basis, including three times under President Donald Trump.

  • INCREASE IN THE COUNTRY’S DEBT

    To pay for the US bailout stimulus bill and other economic stimulus efforts, the Biden administration increased the country’s debt by about $ 3.5 trillion.

    In order to afford stimulus checks and other pandemic relief efforts, the government had to lend itself that money and now it has to pay it back in bonds.

  • INCREASE IN THE DEBT CEILING

    The government agrees to issue a certain level of debt in the form of treasury bills, which are then sold on the open market at monthly auctions.

    Currently, the Biden administration is calling for the debt ceiling to be raised, but if Congress refuses to raise it, the United States will default on its debt for the first time in its history.

    The United States has been considered one of the most creditworthy countries because its treasury bills are considered some of the safest investments in international markets.

  • FINANCIAL EXPERT ON DEBT INSURANCE

    “In a few days, millions of Americans could be strapped for cash. We could see indefinite delays in critical payments.

    Nearly 50 million seniors could stop receiving social security checks for some time, ”said US Treasury President Janet Yellen, according to Yahoo Finance.

    “The troops might not be paid. Millions of families who depend on the monthly child tax credit could see delays. America, in short, would not meet its obligations.”

    Financial experts have also warned that the United States defaulting on its debt could trigger a financial crisis like the one in 2008.

  • WHAT IS INVOLVED IN A GOVERNMENT CLOSURE?

    According to Reuters, a government shutdown includes “the closure of some national parks, fewer security checks at airports, a disruption of public health services during the COVID-19 pandemic, and possibly a disruption of benefits checks for veterans and retirees and keeping national parks open ”.

  • WHAT IF THE SENATE REPUBLIC BLOCKS THE BILL?

    Senate Republicans have threatened to block the bill, meaning Democrats would have little time to act before the government shuts down.

    According to Retuers, they could “simply remove the debt limit provision from the bill and rush to pass the revised bill in the House and then in the Senate.”

    But it should be done before midnight on September 30 and there is a risk that Republicans will slow down this process by filibustering.

  • RISK

    Goldman Sachs economists wrote in a note last week that the current stalemate is “the riskiest debt limit deadline in a decade.”

  • ‘SUFFERING A LOT’

    “Our country will suffer greatly if we do not act now to avoid this unnecessary and preventable crisis,” House Majority Leader Steny Hoyer, D-Md. Said shortly before the vote.

  • KEEP FUNDING UNTIL DECEMBER

    The package approved on Tuesday would provide interim funds to keep the government funded until December 3 and extend borrowing authority until the end of 2022.

    It includes $ 28.6 billion in disaster assistance in the aftermath of Hurricane Ida and other extreme weather events, and $ 6.3 billion to support Afghan evacuees in the fallout from the end of the 20 years war.

  • REPUBLICAN STALL

    While the suspension of the debt ceiling allows the government to meet financial obligations already incurred, Republicans have argued that it will also facilitate a spending spree in the months to come.

    “I will not support signing a blank check because this majority advances the most reckless government expansion in generations,” Rep. Dan Meuser, R-Pa., Said during the debate.


Calling him ‘dangerous’, Warren says she opposes re-appointment of Powell



Powell’s four-year term as Fed chairman ends in February, and President Biden has yet to announce whether he plans to reappoint him. Powell, a Republican, was appointed to the central bank’s board of governors by Barack Obama and has served there since 2012. Donald Trump appointed Powell as president in 2017, choosing to replace Janet Yellen, a Democrat who now holds the post. secretary of the treasury to Biden.

Powell, a former Treasury official under George HW Bush, received high marks from many Democrats and Republicans for his clear communication the Fed’s monetary policy decisions and for pushing back public pressure from Trump to keep interest rates at historically low levels despite the improving economy in 2018 and 2019. Powell also received bipartisan praise for swift and aggressive efforts to tackle the deep recession caused by the coronavirus pandemic, including using emergency lending powers to stabilize financial markets.

But the Fed is also a prominent financial regulator and Warren, along with other progressives, has criticized Powell for not being harder in the role.

Last month, Reps Ayanna Pressley of Boston, Alexandria Ocasio-Cortez of New York and three other progressive House Democrats publicly urged Biden to appoint a new Fed chairman. In addition to criticizing him for weakening financial regulatory reforms put in place after the 2008 crisis, lawmakers have said that under Powell’s leadership, the Fed “has taken very little action to mitigate the risk climate change poses to our financial system.”

Warren has been one of Powell’s harshest critics and would vote on his re-appointment to the Banking Committee and the Senate. But Powell only needs a simple majority of support from the equally divided Senate, and should get deep support from Republicans as well as some Democrats, so his opposition wouldn’t be enough to derail the confirmation if Biden decided to rename him.

Highlighting Powell’s GOP support, Sen. Mike Rounds, a Republican from South Dakota, immediately followed Warren to Tuesday’s hearing and told the Fed Chairman that “I most certainly think you deserve to. be renamed “. Another member of the Banking Committee, centrist Democrat Jon Tester of Montana, said this month he also supported the re-appointment of Powell, praising him for maintaining the Fed’s independence in the face of Trump’s unusual public criticism in 2018 and 2019 regarding interest rate hikes.

But Warren the comments were another warning to Biden, a former contender for the 2020 Democratic presidential nomination that she has become a close ally, that choosing Powell would be tantamount to fighting economic progressives. Warren voted against confirming Powell as Fed chairman in 2018. Other opponents of the 84-13 vote were Senators Kamala Harris of California, now vice chairman of Biden, and Bernie Sanders of Vermont.

Warren and other progressives have praises Lael Brainard, the only Democrat on the Fed’s board, who is widely regarded as one of the top contenders for the Fed’s presidential nomination. White House press secretary Jen Psaki did not indicate on Tuesday where Biden stands in his decision-making process and said nothing about Warren’s comments.

As she has done in previous hearings, Warren dotted Powell with regulatory issues on Tuesday. She began by asking him if he regretted weakening the Fed’s annual stress tests for banks, which aim to determine whether they can withstand a severe economic shock. The Fed introduced stress tests after the 2008 financial crisis and revised them in 2019 so that they are easier to pass.

“I don’t think we’ve weakened the stress test and I don’t know what you’re referring to,” Powell said.

After arguing over a few other regulatory issues, Warren said she would go to “the elephant in the room” about whether Powell deserved to be renamed.

“Renaming yourself means betting that for the next five years a Republican majority in the Federal Reserve with a Republican president, who has consistently voted for Wall Street deregulation, will no longer tip this economy into a financial cliff,” Warren said. . “And with so many qualified candidates for this position, I don’t think it’s a risk worth taking.”

Powell had no response to Warren’s opposition to his re-appointment. But at a press conference last week, Powell said he referred regulatory matters to the Fed’s vice chairman for oversight, Randal Quarles, a Republican whose term ends next month. In an attempt to appease progressives, Biden could nominate Brainard for the post, who is the Fed’s top regulator, if he chooses to reappoint Powell.

“I respect the fact that this is the person who will set the regulatory agenda going forward, and I would accept that,” said Powell.


Jim Puzzanghera can be contacted at [email protected] Follow him on Twitter: @JimPuzzanghera.



Obama gives Democrats pep talk with Biden agenda in limbo: The Note | Connect FM | Local news radio



(NEW YORK) –

The catch with Rick Klein

He’s been there before, with a lot of the same players by his side, and wants to see his group return.

With that in mind, former President Barack Obama is giving rhetorical support to President Joe Biden’s agenda – one he believes the nation desperately needs and that he believes Democrats will cross the finish line.

In an interview with ABC’s Robin Roberts – ahead of the unveiling of what he sees as a landmark legacy initiative: the Obama Presidential Center in Chicago – the former president urged his party not to back down from the argument that the richest Americans should be asked to pay more taxes.

“I think they can afford it. We can afford it. I put myself in that category now, ”Obama said. “And I think anyone who claims it’s a hardship for billionaires to pay a little more tax for a single mother to receive childcare assistance, or so that we can make sure our communities are not inundated by wildfires and floods and that we’re doing something about climate change, for the next generation, you know, that’s an argument that’s not viable.

It’s a relatively simple message, but with complicated repercussions at this time of uncertainty for the agenda of its former vice-president.

Memories of the political erasure that followed Obamacare’s stint – back when Democrats had much more comfortable margins in Congress than today – would be fresh even if so many personalities were not yet in attendance. position of power.

One criticism of the time is that Democrats failed to sell what they sought to do, in a debate where Obama and others found themselves defending what the bills would not do.

Obama’s long-term vision is not shared by all Democrats, just as they do not all agree on the absolute political advantage of what Biden wants. But perhaps the party could use a dose of the fierce urgency they had in Obama’s time, in the current uncertainty.

The RUNDOWN with Averi Harper

Senior Pentagon officials are expected to face tough questions as they testify on Afghanistan before the Senate Armed Services Committee on Tuesday.

Defense Secretary Lloyd Austin, U.S. Central Command Chief Gen. Kenneth McKenzie and Chairman of the Joint Chiefs of Staff Gen. Mark Milley will offer their views on the chaotic troop withdrawal in Afghanistan.

All eyes will be on Milley, who has taken on the heat, including calls for resignation, since Washington Post reporters Bob Woodward and Robert Costa revealed in their book “Peril,” that Milley has taken secret precautions to prevent former President Donald Trump from being able to get started. nuclear weapon or take military action after the attack on Capitol Hill on January 6.

Milley and the others will likely be grilled not only over the troop withdrawal and suicide bombing that killed 13 U.S. servicemen, but also the subsequent retaliatory drone strike that killed 10 civilians, including children.

Milley initially called the drone strike “fair,” but changed position amid the fallout.

“It is a horrific war tragedy and it is heartbreaking and we are committed to being fully transparent about this incident,” Milley said.

COUNCIL with Alisa Wiersema

The long-awaited debut of the Texas redistribution proposal revealed that despite Republican influence over the card-making process, the result largely favored incumbents on both sides of the aisle. Additionally, given the state’s rapid population growth, two newly proposed congressional districts – numbered 37 and 38 – were defined in the suburbs of Austin and Houston, respectively.

According to the proposed map, outgoing Democrats – like Rep. Colin Allred and Rep. Lizzie Fletcher – whose current district boundaries would have led to competitive mid-term challenges, have been “packed” into potentially bluer districts. On the flip side, this means that many areas surrounding these districts will also become more Republican-friendly and reduce future chances of competitive races that could benefit Democrats.

Democrats also argue that the current setup does not reflect the state’s increase in population attributed to people of color.

The political packaging approach is likely to resonate most in the Houston metropolitan area, where the existing districts represented by Democrats have been redesigned to overlap. This allows the newly proposed 38th Congressional District to create a reliable new red district in the suburbs. Meanwhile, the creation of the 37th Congressional District near Austin would expand existing Democratic influence, while strengthening surrounding GOP-controlled districts.

The most visible border change would occur in Texas’ 34th Congressional District, currently occupied by retired Democrat Filemon Vela. The current district would be essentially split in two and the southern, bluer region would become the entire district. The old northern part would fall back into the more GOP-friendly 27th District, which is currently occupied by GOP Representative Michael Cloud.

THE PLAYLIST

ABC News ‘Start Here’ Podcast. Tuesday morning’s episode begins with an analysis of the verdict in R. Kelly’s sex trafficking and racketeering trial. Next, ABC’s Anne Flaherty reports on the impact of New York’s vaccine mandate on hospital staff. And, ABC News chief national correspondent Matt Gutman is at the site of a major train derailment in Montana, where the NTSB is still trying to determine what happened. http://apple.co/2HPocUL

WHAT YOU NEED TO KNOW TODAY

  • ABC News’ Robin Roberts exclusive interview with former President Barack Obama airs on ABC’s “Good Morning America” ​​at 7 a.m.
  • Defense Secretary Lloyd Austin, Chairman of the Joint Chiefs of Staff General Mark Milley and Commander of US Central Command General Kenneth “Frank” McKenzie testify at Senate Forces Committee hearing armies on the conclusion of military operations in Afghanistan and plans for future counterterrorism operations at 9:30 a.m.
  • Treasury Secretary Janet Yellen and Federal Reserve Chairman Jerome Powell testify at Senate Committee on Banking, Housing and Urban Affairs hearing on support for a fair recovery from pandemic at 10 a.m. .
  • President Joe Biden receives daily President’s briefing at 10:30 a.m.
  • White House COVID-19 response team and public health officials hold press briefing at 12:30 p.m.
  • Obama, Former First Lady Michelle Obama, Illinois Governor JB Pritzker and Chicago Mayor Lori Lightfoot attend the Obama Presidential Center Dedication Ceremony in Chicago at 1:15 p.m. CT
  • White House Press Secretary Jen Psaki briefs at 1:30 p.m.
  • Democrat Terry McAuliffe and Republican Glenn Youngkin participate in the Virginia Governors’ final debate of the general election campaign in Alexandria, Va., At 7 p.m.

The Note is an ABC News daily article that highlights the top political stories of the day. Please come back tomorrow for the last one.

Copyright © 2021, ABC Audio. All rights reserved.


Woman Polson Brings New Meaning to Giving Season



POLSON – Nancy Hausermann has been making a difference in the Polson community for 20 years.

Now that Thanksgiving season is approaching, she’s tackling her next project: Thanksgiving baskets full of food.

Around the corner of Rocky Point Road at Big Sky Lane, you come across a field where someone special is waiting to help those in the community who need it most.

“One of the great things about her because she gives people a chance to feel good about sharing,” said Nancy’s friend Toni Aviles.

“It’s just a car ride, it’s just, you know, I have to help,” Hausermann said.

Hannah Hishop / MTN News

The Polson resident has lent a hand to community members through a variety of seasonal projects over the past 22 years. The focus is now on collecting and distributing 70 Thanksgiving baskets.

“The food bank helps a lot of people. We’re trying to steer that towards the people who fall right under that radar,” Hausermann said.

Hausermann – who humbly accepted the 2020 Citizen of the Year award from the Polson Chamber of Commerce – explained that his passion for helping others comes from his own life experiences.

“You know, I grew up on the streets. And I was adopted, I lived in several homes and I knew what real hunger was, “Hausermann said.” And that’s my passion for that, not to see another child. to be hungry.”

Nancy hausermann

Hannah Hishop / MTN News

Hausermann is a fighter. She fights for those who can’t make ends meet while on vacation while battling lung disease, COPD and other health issues.

She’s also a cancer survivor and that didn’t slow her down, in fact, it made her continue to put others above herself.

“I think it’s me and you know I’m facing all of these medical issues, but I have to keep going and I’ll keep going until God brings me home,” Hausermann said.

“And seeing her month after month, she’ll happen to give to someone else and she doesn’t think twice,” Aviles said.

Hausermann needs a car to help transport all of these goods to help more people. She also needs a lot of turkeys this season.

You can donate to Nancy and her great cause by contact her on Facebook and ask him how you can help him.


Is the share of this Regional Bank a purchase after its last acquisition?



Great Western Bancorp (NYSE: GWB) based in South Dakota recently surprised many investors by announcing that it had agreed to sell to First inter-state Bancsystem (NASDAQ: FIBK) Montana-based deal that will create a $ 32 billion asset institution. The sale was surprising as Great Western had only hired a new CEO in early 2020, which generally indicates that the bank is not interested in selling in the short term. But with outstanding credit issues and a tough income environment for banks, it seems management and the board believe now is the right time to sell.

With First Interstate Bancsystem adding $ 13 billion in additional assets to its operations and becoming one of the region’s largest banks, let’s take a look at how Great Western is adding to the bank and whether First Interstate is still a buy-in.

How Great Western adds to First Interstate

First Interstate has traditionally been a high performing banking stock. Prior to the acquisition announcement, the bank was trading at over 200% of tangible book value (TBV), which is a bank’s equity less goodwill and intangible assets, and is what a bank if it was immediately liquidated. It is a strong assessment. Since the acquisition was announced, however, First Interstate stock is down about 9%.

While the stock is down, I think the financials looks pretty good for the deal, which is an all-equity trade valued at $ 2 billion. The deal will immediately raise First Interstate’s TBV, and then also increase the bank’s earnings per share by 20% in 2023, a figure that could prove to be conservative. Interstate first CEO Kevin Riley, on a conference call following the acquisition announcement, noted that in their modeling, management used pre-supply net revenue for Great Western which is 15% lower than Street forecasts for the bank in 2023.

Image source: Getty Images.

First Interstate plans to cut Great Western’s spending base by 21%, a figure that analysts on the conference call appeared to view as conservative. However, Riley pointed out that there is minimal branch overlap in the deal and that Great Western already has a fairly efficient spending base. In fact, with the addition of Great Western and the 21% cost savings, First Interstate will be able to reduce its efficiency ratio, a measure of a bank’s spending expressed as a percentage of revenue (lower, the better), compared to the 50s. percentile at 53%.

The deal will also give First Interstate a presence in Omaha, Nebraska and Des Moines, Iowa, while strengthening the bank’s presence in South Dakota. While revenue synergies are not modeled in the assumptions, First Interstate has identified several areas where it sees opportunities, including increased penetration of credit cards among Great Western customers, wealth management, credit solutions, cash flow and the extension of indirect lending to the entire Great Western footprint. Riley also said that over the long term, he believes Great Western’s new markets will be able to generate the same mid-to-high-digit organic loan growth that First Interstate is targeting in its own footprint.

Great Western’s credit problems

Analysts spent most of the conference call asking executives about Great Western’s credit problems. The bank ran into problems with the exposure of its agricultural and hotel loan portfolio once the pandemic hit and has since reduced the risk of its loan portfolio.

At the end of June of this year, Great Western still had $ 612 million in classified or unrecorded loans, meaning they were at risk of defaulting or already in arrears. Unrecognized loans represent 2.48% of total loans, which is very high, and the bank has sold some of its hotel loans at a discount. First Interstate takes a 3.75% credit rating on Great Western’s loan portfolio, which is a mark of 20% on the $ 1.2 billion Great Western loans purchased by First Interstate but whose quality deteriorates.

Riley said no one should assume the combined bank will cut all of the $ 1.2 billion in affected loans, and the good news is Great Western has been reducing risk on its loan portfolio for over a year now. and has made progress. In addition, the bank appears to have taken a conservative approach to lending. On Great Western’s latest earnings call, chief credit officer Steve Yose said, “We don’t see a significant loss in our non-accounting ledger.”

Great Western CEO Mark Borrecco also noted that while unrecorded loans remain high, if there was a significant improvement and decrease in unrecorded ledger, it would likely mean losses accelerating. Management also seemed confident that they could take minimal losses on their distressed farm loans. But they added that until the money was in the bank, they planned to be very careful about how they would reserve their hotel and hospitality loan book over the next six months.

Is the first highway a purchase?

While the deal caught many off guard, the financial data behind First Interstate’s acquisition of Great Western is certainly compelling. I think there is a very high probability that this acquisition will work in the long term. However, I would probably advise waiting another quarter or two to see how Great Western’s problematic lending plays out. Some bank executives recently reported a slowdown in consumer spending in the hotel, accommodation and airline industries in the third quarter due to the delta variant.

The management of First Interstate and Great Western seems to be thinking hard about the problematic loans in Great Western’s loan portfolio, but the problematic loans have yet to be addressed and the world remains full of uncertainty at this time.

This article represents the opinion of the author, who may disagree with the “official” recommendation position of a premium Motley Fool consulting service. We are heterogeneous! Questioning an investment thesis – even one of our own – helps us all to think critically about investing and make decisions that help us become smarter, happier, and richer.


Obituary of Gerald Trebesch (1941 – 2021) – Boise, ID



Gerald “Jerry” Trebesch
January 6, 1941 – September 18, 2021
Boise, Idaho – Gerald “Jerry” Lloyd Trebesch, 80, of Boise passed away peacefully at his home after a three-year battle with cancer on Saturday, September 18, 2021.
Jerry was born January 6, 1941 in Great Falls, MT, to Laurence and Eileen Trebesch. Very early on, Jerry developed a passion for the land and animals. He was active in 4-H, high school rodeo, football, basketball and track and field, and graduated from Dutton High School in 1959. He then attended and graduated in agricultural business. from Montana State University, where he was a dedicated member of Sigma. Alpha Epsilon Brotherhood. A more proud and fervent Bobcat fan could not be found. Jerry cherished his experiences at “Harvard of the West”, especially his introduction to his future wife, Arlene Lee, from Fairfield Bench, a few miles south of Teton Ridge where Jerry was raised. With this common foundation, they began their fifty-eight year journey together.
For a man so stoic and efficient with his words, Jerry bonded with people and developed valuable friendships wherever he went. His genuine ease with others was only surpassed by his strange memory of them. People often commented on how special Jerry made them feel by remembering everything about them, including where they went in high school and college (and even their mascots). He and Arlene ventured out to Idaho where he combined his love of people and farming into a rewarding career in banking for nearly fifty years.
In 1965 Jerry began his career with Idaho First National Bank in Rigby, Idaho. Successive promotions have taken the family across the state to Salmon, St. Maries, Soda Springs and finally, Boise. In each of these communities, Jerry has been involved with local civic organizations, including the Elks, Lions Club and Rotary. At the peak of his career, Jerry was vice president of farm loans for Idaho First and West One. He was widely recognized as one of the country’s leading agricultural bankers, serving on the boards of the Idaho Bankers Association, the American Ag Bankers Association, and the Idaho Soil & Water Commission.
After his retirement, Jerry successfully transitioned his career, building a commercial ranching operation spanning four states. Using his father’s and grandfather’s brands, he realized his long-standing interest and passion for cattle.
Above all, family was most important to Jerry. Together, Jerry and Arlene raised four children: Shelley, Lance, Larry and Stephanie. Family life was full of activities, sports and vacations. Recently, Jerry shared that his family’s 2013 trip to Norway and Sweden to celebrate Arlene and him’s 50th wedding anniversary was his most memorable (and dearest!) Family excursion. Among his many legacies, Jerry imprinted integrity, hard work, humility and determination on his children and grandchildren. Over the years, its cowboy, German stoicism has given way to softer (slightly!) Expressions of feeling and love with most phone calls and visits ending with “I love you” .
Jerry was predeceased by his parents Laurence and Eileen Trebesch. He is survived by his wife, Arlene; brother, Richard (Annette); her four children: Shelley, Lance (Barbara Dahlgren), Larry (Tara), Stephanie (David Thornton) and seven grandchildren: Beck, Laken, Inga, Eleanor, Johnny, Odin and Aura as well as many extended family members and friends. .
We all mourn the peaceful passing of a man who has known and loved so many. We admire and are inspired by the last three years of Jerry’s life which have exemplified his courage and determination with a fierce comeback. We find peace knowing that Arlene’s “Montana Cowboy” is finally coming home to rest!
Two memories of Jerry’s life will take place. October 8 at Friendship Celebration Lutheran Church at 10:30 a.m., followed by a celebration at Hillcrest Country Club in Boise from 12 p.m. to 4 p.m. Funeral services at 11:00 a.m. on October 16 at St. Paul’s Lutheran Church, Fairfield, MT, followed by a party at the Choteau Country Club from 12:00 p.m. to 4:00 p.m. Masks are mandatory for both services.
In lieu of flowers, donations may be made in memory of Jerry Trebesch to any of the following: The Lutheran Church of Friendship Celebration in Meridian, Idaho, The College of Agriculture at the University of Montana State or Teton County 4-H Council.
Memories can be left for Jerry’s family on his memorial page at www.AccentFuneral.com.

Posted by Idaho Statesman on Sep 26, 2021.


People in Business for September 26, 2021 | Business people




8 best mountain towns to visit in Montana



We have just returned from a 6 week road trip, part of which was spent in the (literally) cool mountainous region of northwestern Montana where the famous Glacier National Park is located. Lucky for us, dear friends run a mountain hut there. These are the first we encountered in Viewpoint Arizona when we decided to stay for the winter in 2012.

We usually spend the night with them just to say hello on the way from Boise, Idaho to Calgary, Alberta for annual visits to our children. This year, however, we decided to find out what keeps them coming back every summer. And we discovered eight incredibly cool (also figuratively) mountain towns to the east and west of their neighborhood, all along Highway 2 in the region.

View of the middle fork of the Flathead River (Photo credit: Carol Colborn)

Essex neighborhood

Their summer mountain chalet is in Essex, an unincorporated community of about 100 families between the park entrances called East Glacier and West Glacier. July was precisely the right time to be there because blueberries, those tastier relatives of blueberries that can only grow in nature, were ripe for the picking. So early in the morning after we got there, I rode in the back of Bonnie’s ATV and we climbed the hills, settling on some terrain that hadn’t been chosen. The bushes were filled with precious fruit and we both came home with full little ziplock bags that finally found their way into delicious cranberry pancakes.

The ATV rides also took us to their pristine neighborhood. We spotted rustic A-frame cabins like our friends’ one, a unique ‘lending’ library in the neighborhood hanging from a tree, views of the Middle Fork of the Flathead River nearby, and a makeshift reception center for passing hunters. Other friends from Viewpoint who camped here over the summer joined us for dinner one evening. But our best time was spent on their patio, gazing into the forest, listening to the birds, the bees, the breeze and the jokes.

Pro tip: Haven, the small neighborhood motel / restaurant that had been closed for some time had been sold to new owners who are now preparing to open it soon.

Hungry Horse Reservoir, Montana
Hungry Horse Reservoir (StephanieFarrell / Shutterstock.com)

Hungry Horse and Coram

About 40 minutes northwest of Essex is Hungry horse, another unincorporated community of about 600 people designated by census. This is where our friends usually do their shopping. The name comes from the dam that meets the region’s water needs and the hidden gem of a recreation area that the city hosts. Fascinated with the flea market in town, I also spent time in our friends’ favorite mountain art store and was very intrigued by a unique camp of Jesus is Lord Church. I thought, “No city could be more picturesque.”

The Hungry Horse business catchment area includes over 400 residents three minutes north of the small town of Coram, Montana. This is where our other friends at Viewpoint are camping on land they own. Their facility is cleverly laid out, not only with space for their own rigging, but also for that of their sons and daughters and their families. The in-laws are also on an adjacent lot. They all share a good sized storage shed and a spacious laundry / toilet unit.

Pro tip: The Montana Fur Trade Company is truly a treasure of a western art store. I’m sure you will find something you want to take home.

Whitefish deposit museum;  Whitefish, Montana
Carol Colborn

whitefish and kalispell

Twenty minutes northwest of Hungry Horse is the popular ski resort and tourist town of White fish where nearly 8,000 live. Fifteen minutes away is its partner mountain town of 25,000 inhabitants, Kalispell.

It was a cloudy summer day with a few scattered showers when we visited so we skipped the ski resorts. Instead, we spent time in downtown Whitefish. It is the historic site of the beautiful, still operating Amtrak station, known as the Large Northern Railway Depot, home to the spectacular train journeys of the Canadian Rockies. This is also where much of the oil passes from the oil and gas industry headquarters in the areas around Cut Bank. The National Geographic website article opens with this: “If you’re a railroad buff, you’ll love this historic depot, the busiest Amtrak train stop between Seattle and Minneapolis.” The Whitefish Museum is also housed on-site with lots of memorabilia. Also on the grounds is the historic Bruck (bus + truck), a one-coach train that transported people from the station to the local spurs.

Even given the weather, some families enjoyed the waters of the Whitefish town beach. Thick bushes of yellow flowers created a pretty natural boundary for the parking lot. A pretty little cottage housed a small reception center and a pretty stone sign marks the entrance. Imagine our pleasant surprise to stumble upon and photograph a pair of White-tailed Bambies hanging out in the grassy area!

But there were so many who savored their freedom and traveled like us. Thus, we could not find a place in the recommended local restaurants clustered around the beautiful clock tower. Starving, we rushed to the town of Kalispell, where we finally had a late lunch at Famous Dave’s, a national barbecue restaurant. Such chains are not permitted at Whitefish.

Kalispell has all the amenities of a good sized American town, so if you can’t find it in Whitefish, go to Kalispell. In fact, on another day my husband and I had our COVID tests done there, with guaranteed results the same day – a requirement for entry into Canada. Whitefish and Kalispell make a great pair.

Pro tip: We found a great local restaurant in Kalispell: Nickel Charlie Restaurant and Casino is where the locals go for breakfast. Marvel at its transportation-themed decor hanging from the ceiling and feast on the most hearty door opener you’ve ever had.

Bison near Browning, Montana
Carol Colborn

Reduction and browning

East of Essex the landscape has changed. As we left Montana into Canada, hundreds of cattle appeared grazing in large fields of grass. Soon, however, they turned into herds of big bison! When you arrive in the city of browning (population, around 1000), you are sure to have reached another territory. It is the seat and the only city incorporated on the Blackfeet Indian Reservation. There are the usual casinos and Native American shops on the reservation.

About 50 minutes further east is the town of Cut the bank, with a larger population of 3000. It is the seat of the region’s oil and gas industry, which began in the 1920s when the first well was discovered. The name comes from its location, the Cut Bank (outer curve of a meandering river) east of Cut Bank Creek.

Here you’ll find a 27-foot-tall concrete penguin erected in 1989, proclaiming it “the coldest place in the nation”. The record was broken by Alaska which recently recorded -80 degrees Fahrenheit. Even in the contiguous United States, Roger’s Pass north of Helena also recorded -70.

Pro tip: If you’re not passing through Shelby, the cool town of Cut Bank may be your last stop before the Sweetgrass-Coutts border post just 50 minutes away. This is the shortcut.

Clark's Lookout State Park, Upright
Clark’s Lookout State Park (Photo credit: Carol Colborn)

Dillon

We spent the night here on the way to Boise at our friends’ mountain cabin in Essex. We also stopped here for another night on our way to Calgary after crossing the border. Even with such short tours, we found time to visit three cool places in Dillon.

Montana gold was first discovered in what is now known as Bannack State Park. We’ve seen so many ghost town promotions before, but this state park is different. It’s 1,600 acres at over 5,000 feet above sea level, with all the abandoned buildings in a town: a restaurant / saloon, a hotel, a church, a school, the governor’s house and many fine examples of mountain huts of the time. Here you can really imagine Bannack’s hectic life in its prime.

The other landmark we visited is Clark’s Lookout State Park. It sits on top of a hill where the views of the surrounding area are excellent. A short loop trail leads to the exact rocks where William Clark’s fame of Lewis and Clark stood on August 13, 1805 and has recorded three distant landmarks with a compass. In fact, there is an engraved compass dial to mark the spot. The park is still largely underdeveloped, however.

Third place is a fascinating store: Atomic 79 Western Boots and Gear, a popular boot repair shop. But it’s also a huge outlet for all kinds of cowboy boots and other western gear like clothes, hats, mountain decorations, knives, etc. It took us a few hours to go through all the interesting articles and I returned to our hotel with a cool and unique denim top! The store ships items throughout America.

Pro tip: We had dinner at two locations. We discovered that the elderly gathered at Sparky’s garage, while the youngest attended Mac’s latest casting. Both are great places to grab a bite to eat and feel the vibe.

Montana is full of small historic places worthy of a visit. To consider:


Dakota Business Lending Receives $ 30 Million New Business Tax Credit



FARGO – Dakota Business Lending, a Fargo-based nonprofit that focuses on financing small businesses in North Dakota, Montana and Minnesota, has been selected to receive $ 30 million as part of a new business tax credit allowance by the United States Department of the Treasury.

Created in 2000 by the Community Renewal Tax Relief Act, the tax credit this year allocated $ 5 billion to community development entities across the country. The objective of the program is “to encourage and revive investments in low-income census sectors to create jobs, bring new opportunities in eligible areas and close a funding gap for transformation projects”, said said a press release from Dakota Business Lending.

Dakota Business Lending plans to “close a funding gap through a process of investing and monetizing tax credits,” the statement continued.

Among the program’s potential partners is the Greater Fargo-Moorhead Economic Development Corporation, which plans to use the funds to fund potential expansion projects across North Dakota.

“Although the New Markets Tax program has been in existence nationwide for several years, the Fargo-Moorhead region has had somewhat limited access to this powerful financial tool to support the development of primary sector businesses,” said Joe Raso, CEO of GFMEDC. “We are excited to partner with them to leverage our market knowledge of potential expansion projects to demonstrate the type of demand needed to justify an NMTC allocation. “

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For more information on the program, visit dakotabusinesslending.com/nmtc or contact one of the company’s loan officers.


Newton from Great Falls High lends a helping hand in his neighborhood | SWX now



GREAT FALLS – Great Falls High senior Zach Newton is not only a statewide soccer player but also the helping hand that keeps his neighborhood going.

Newton is one of six Bison Captains this fall and is this year’s recipient of the Derek Dowson Award. This award is given to a bison player who embodies hard work, leadership and competitive spirit.

“He’s exactly what you would expect from a team manager and a guy that everyone looks up to,” added Bison head coach Marc Samson. “I jokingly tell his parents, if you ever get tired of Zach giving him to me, I’d love to take him home and let him live with me.”

In addition to being a successful soccer player, Zach is a member of the National Honor Society and has maintained a GPA of 3.8 throughout his high school career. While all successes on and off the pitch are excellent, he is above all a role model and leader for his teammates.

“I think the most important thing is confidence,” Zach Newton said. “You have kids who admire you and will trust you with something they need to tell you about.”

“There isn’t a coach in the AA, not a team in all of high school football in Montana that wouldn’t want Zach Newton on their team,” Samson said.

While Zach spends most of his time on the soccer field as a lineman trying to keep others away, in his spare time he helps his neighbors move things where they want to go.

“When I have had to move heavy furniture or other objects, he never fails to meet any demand; Newton’s neighbor Dick Kuntz said. I see you?’ He’ll be there in thirty seconds, he never says no. “

Whether it’s moving furniture, cutting grass or any sort of manual labor for his neighbor Dick, Zach makes a point of going above and beyond to help those around him.

“It’s not about how good you are at football, but how good you are on and off the pitch. That includes in class and in public,” Newton said.

“Zach is a very big kid, but he also has a very big heart,” Kuntz added. “He’s very kind, he’s very respectful and he’s like my own son.”


News in brief of September 22, 2021



Glasgow aging

Removals of service offices

Action for Eastern Montana is moving the Office of Aging Services, currently located at 334 West Court Street, to the Senior Center, located at 501 Court Square.

The office is located at the back of the common area and people can enter through the front door.

The phone number will remain the same 406-228-9751.

Lisa Baxter looks forward to helping people aged 60 and over or with disabilities with Medicare, health insurance as well as information and assistance on available financial aid programs and other aging needs.

Kinsey Schwers promoted to loan officer

Independence Bank is pleased to announce that Kinsey Schwers has been promoted to the role of Ag / Commercial Loan Officer. Kinsey joined the Independence Bank team as a loan assistant in April 2020.

Kinsey grew up on his family ranch west of Judith Gap, MT. After graduating from Harlowton High School in 2014, Kinsey attended Montana State University in Bozeman.

There she graduated with a BA in Agricultural Business: Farm and Ranch Management with a minor in Economics in 2018. Prior to joining Independence Bank, Kinsey worked as a Program Technician as well as Farm Relations Manager.

“Kinsey has been a great addition to our lending team at Independence Bank,” said Casey Cote, branch president. “Her knowledge of the region and her agricultural background make her an ideal fit for the role. We look forward to Kinsey’s continued growth in the agricultural, commercial and consumer lending sectors in her new role at Independence Bank. . ”

Kinsey is engaged to Taylor Hanks, an agronomist for Nutrien Ag Solutions in Wolf Point. In her spare time, she enjoys spending time outdoors hunting, fishing, riding her horse tug and helping out on the ranch with her parents Holly & Joel and younger brother Kavin.

USPS postal increase delayed

The US Postal Service has announced that it will not apply a postage increase in January 2022. The next increase will take place in July 2022.

Then, it will begin a new system of six-monthly increases, from 2023.

The new rate plans are dependent on the approval by the United States Court of Appeals for the District of Columbia Circuit of the rate increase authority created by the Postal Regulatory Commission. The NNA and other courier organizations have sued the PRC, claiming that its new postal rate regulations are not permitted by federal law. A decision in this case is expected by the end of the year.

Next July’s increase will factor in the cost of inflation for 10 months, expenses to cover unpaid health care costs for congressional-mandated retirees, additional charges to account for the effects of declining mail volume and adjustments for classes of mail such as periodicals which apparently would not cover handling, transport and delivery costs. The expected increase would be larger than that of August 2021.


States with the most new small businesses per capita | Multimedia




LBA Ware’s LimeGear Integrates With Experience.com To Turn Customer Satisfaction Scores Into Actionable Business Intelligence For Mortgage Lenders | national news



MACON, Georgia, September 21, 2021 (SEND2PRESS NEWSWIRE) – LBA Ware â„¢, a leading supplier of motivationcompensation management (GCI) and business intelligence (BI) software solutions for the mortgage industry, today announced its partnership with Experience.com, the world’s most impactful home Experience Management Platform (XMP), to provide customers with a dynamic means of tracking customer satisfaction as a Key Performance Indicator (KPI) in the LimeGear â„¢ BI platform from LBA Ware. The Customer Satisfaction KPI allows lenders to measure the customer experience as rated by borrowers, co-borrowers, real estate agents and other parties to a loan throughout the real estate financing journey and feed it into performance reviews of branches and individuals across the lending organization. .

“With this integration, our customers will have a more complete view of their organization’s performance through customer feedback,” said Lori Brewer, Founder and CEO of LBA Ware. “It’s not always easy to convert customer feedback into actionable data, but working with Experience.com, LBA Ware has found a way to not only standardize data, but also allow lenders to customize which data points to track and when to track them. With over 100 traceable KPIs available in LimeGear, lenders have the ability to pull together a data-driven view in almost any part of their organization.

The Customer Satisfaction KPI resides in LimeGear’s visually intuitive performance management dashboard. Because LBA Ware’s partnership with Experience.com tracks customer feedback surveys by loan number, lenders can link customer experience to performance dashboards for loan officers, processors, branches and more. As with other LimeGear KPIs, lenders can assign a relative weight to the customer experience metric as part of an overall performance score. Role-based dashboards provide an overview of how employees rank among their peers in terms of volume, units, and other configurable conditions.

“Almost all lenders deploy some sort of post-close survey to track customer satisfaction, but many don’t have a way of incorporating the results into business intelligence,” said Experience.com Senior Vice President of Partnerships Craig Pollack. “For lenders who currently measure the performance of loan officers and other team members solely on volume and profitability metrics, there is often a blind spot to including customer satisfaction as a traceable measure. This integration removes this blind spot and gives lenders a bird’s eye view of performance as well as the ability to refine future customer satisfaction surveys as the picture becomes clearer.

LBA Ware will be joined by Experience.com Vice President of Financial Services Kristin Messerli in LBA Ware’s upcoming webinar, The Myths That Stop Millennials Buying: A Data-Driven Focus to Grow Your Share of America’s Largest Homebuyer Market, Which takes place on October 6 from 1:00 p.m. to 2:00 p.m. ET. Registration is now open and mandatory to attend.

About LBA Ware â„¢:

LBA Ware is a leading provider of cloud-based software for mortgage lenders. Since 2008, LBA Ware has been on a mission to help mortgage companies reach new heights with software that integrates data, drives performance and inspires results. Today, over 100 lenders of all sizes, including some of the nation’s most productive mortgage companies, use award-winning LBA Ware technology to enhance the lender experience and maximize human potential within their organizations. . The fastest growing private company of 2020 Inc. 5000, LBA Ware is headquartered in Macon, Georgia. For more information visit https://www.lbaware.com.

On Experience.com:

We believe experience is everything. Amazing experiences create customers for life, and the poor destroy brands and businesses. That is why Experience.com built the most impactful experience management (XMP) platform available anywhere, with features to drive operational and behavioral change, in real time, during the times that matter. XMP delivers impactful business results including increased customer satisfaction, brand loyalty, online reputation and visibility, as well as improved employee engagement and compliance, making every experience more important . Founded in 2015 and originally founded as SocialSurvey, Experience.com is headquartered in San Ramon, California, and is backed by SavantGrowth (fka Kennet Partners), Silicon Valley Data Capital, Tri-Valley Ventures, and Wilson Sonsini Goodrich & Rosati. For more information visit https://www.experience.com or call +1 (888) 701 4512.

Twitter: @LBAWare @ experience —— com #mortgagedata #digitalmortgage # pre-mortgage

NEWS SOURCE: LBA Ware

This press release has been issued on behalf of the Information Source (LBA Ware) which is solely responsible for its accuracy, by Send2Press® press wire. Information is believed to be accurate but is not guaranteed. Story ID: 75238 APDF-R8.2

© 2021 Send2Press®, a press release and electronic marketing service of NEOTROPE®, California, United States.

To see the original version, visit: https://www.send2press.com/wire/lba-wares-limegear-integrates-with-experience-com-to-turn-customer-satisfaction-scores-into-actionable-business-intelligence-for-mortgage-lenders/

Disclaimer: The contents of this press release were not created by The Associated Press (AP).

Copyright 2021 Send2Press Press wire



Helena Food Share gives seniors an extra helping hand this week



HELENA – Every day of the year, Helena Food Share works tirelessly to make sure that no one in the community goes hungry. However, this week they will be giving an extra helping hand to a specific group, our seniors.

“That’s one in five seniors who may be at risk of being hungry at some point in the year or multiple times throughout the year,” said Bruce Day, executive director of Helena Food Share. “So we are focusing our attention on providing this resource. to the elderly who may have this need.

In partnership with the Rocky Mountain Development Council, Helena Food Share holds its Superior commodities program at six different times throughout the year. Through this initiative, they are providing enough boxes of food to help our seniors fill their pantries with cereals, juices and produce. According to Day, this kind of extra attention to the elderly is needed.

“It’s really important to make sure that the elderly have this opportunity because the elderly will often, you know, skip meals, or they’ll cut back on the amount of food they eat or they’ll go without it instead. than asking for help when they need food and don’t have the resources to support themselves, ”Day said.

If you or a loved one is interested in additional help, Food Share is distributing senior products on Monday, September 20.e 2:00 p.m. to 3:30 p.m. at their East Helena facility and Wednesday and Thursday, September 22 and 23 from 8:00 a.m. to 10:30 a.m.

“It’s a great program, we distribute here to Helena and East Helena, and Rocky also distributes to other locations in the tri-county area,” Day added.


Debbie Steele named non-clinical employee of the month | Bandon Western World



BANDON – Debbie Steele brings a touch of cheerfulness to Southern Coos Hospital & Health Center during the holidays with her decorating skills. Her creative spark also travels to other areas of her life. She collects and sells antiques and collectibles and enjoys applying her skills and lending her collection for decoration.

“If anyone has any ideas, I have my shop at home with a lot of decorations,” Steele said. “If I get a creative spark, I do and I hope it doesn’t shock. It’s my way of giving back.

Steele was named the CHSHC Non-Clinical Employee of the Month for July. She has been working at the hospital since October 2010 and is a Patient Access III specialist in the Admission Department of Patient Access Services.

Over the years, Steele has excelled in a variety of positions, the appointment says. She was nominated because she “always goes extra miles for her patients and colleagues”.

“Debbie is extremely kind, patient, capable and very knowledgeable,” the appointment continues. “She is always ready to help with additional tasks and offers to lend a hand to help. Debbie is a gem in the workplace and a real asset to our team.

“You can always count on Debbie to be quick, professional, kind and to do things with a smile! “

Steele was born and raised in Coos Bay and graduated from Marshfield High School. She attended Southwestern Oregon Community College, then landed a job in finance for a company in Coos Bay, where she spent the next 20 years.

She retired from that company and then went to work at the CHSHC. In the meantime, Steele has helped set up the finances for another Coos Bay company.

In 2016, Steele started a few antique and collectible businesses, one at Vintage 101 and one at Leaf’s Treehouse, both in Coos Bay.

“It’s like a store within a store,” Steele explained. “I have a mishmash of everything.”

She buys and sells antiques as a hobby and has an eclectic collection, including items on rustic, western / farm, hunting and fishing themes. She also likes anything from the Victorian era. In each store, Steele categorizes merchandise by theme. She was especially thrilled recently when her husband found her an old wagon wheel that she has as part of her welcoming decorations for the entrance to her house.

Steele’s husband, Tom, has been a Gib’s RV salesperson for many years. Her son Cody Steele worked for approximately four years in the patient access and registration department of the SCHHC at the hospital switchboard, answering and transferring calls. Her desk is within earshot of her mother’s desk.

“He’s a good boy,” Steele said.

The Steele have another son, Ryan, who lives in Montana and has served in the US Navy and the Army National Guard. Ryan has two children, Trenton, 17, and Alia, 15.

Steele likes to stay busy so she doesn’t get bored.

“It’s fun,” she said of her work at the CHSHC. “I have a great boss (Cathy Mann). It’s interesting because I’m learning a lot of new things. It’s busy, and busy is good for me.

Steele also appreciates her colleagues, including Carolyn Randolph, Leslie Tucker, Jack Wood and Kelly Hultin who work with her in the commercial office, and Michelle Jurgenson, Chelsea Freitag, Brandie Lane and Abigail Carman in the admissions department at the main hospital. , where Steele replaces Laura Guzman, a family nurse practitioner at Southern Coos Health Center, is another person Steele enjoys working with.

Steele also owns an approximately 300-acre farm in Kansas that she has never seen, but inherited from her family. It is still a working farm, producing corn, wheat, milo and soybeans. Its agricultural roots run deep, as the family owned the farm in Kansas, as well as one in Pasadena, California, where they cultivated during the winters.

In his “free” time, Steele enjoys 4x4ing the sand dunes, camping, boating, and making short trips out of town to places like Eugene and Medford. But above all, she likes to “go out with the family”.

“My husband has seven siblings, so we do a lot of family things,” she said.

Steele also appreciates her work and working family at CHSHC.

“I like to learn new things and that’s good. I like new challenges.


Report, Auto News, ET Auto



India ended the last fiscal year with copper imports of 2,333,671 tonnes.

India’s copper import, which rose 26% to 60,766 tonnes in the June 2021-2022 quarter, is expected to increase further over the remainder of the year as economic activity continues to boom. COVID-related restrictions resumed, the International Copper Association said.

The country’s copper imports could reach 3 lakh ton as economic growth accelerates despite adequate domestic capacity to meet growing demand, he said.

“In the first quarter of fiscal 22, India’s copper imports increased by 26 cents to 60,766 tonnes, from 48,105 tonnes in the same period last year, even as the country was in the throes of a second wave of COVID with several lockdowns.

“Demand for the crucial metal, which is a key input for several sectors, is expected to increase further over the remainder of the year as economic activity sees a sharp recovery in COVID-related restrictions,” he said. he declares.

India ended the last fiscal year with copper imports of 2,333,671 tonnes.

With a growth of 26 to 30%, imports are expected to be in the order of 295,000 to 304,000 tonnes for the current fiscal year, the association added.

“It is disheartening to see imports increasing so sharply and other countries winning at our expense even though we have sufficient domestic production capacity to meet our domestic demand,” said Mayur Karmakar, director of the International Copper Association. .

“We are seeing a sharp increase in copper imports into the country. Even though the first quarter of this fiscal year saw several lockdowns and various restrictions imposed in several states due to the second wave of COVID, copper imports increased by 26%. compared to the same quarter last year, ”Karmakar said.

He said given strong demand from various sectors, copper imports could increase 30% year-on-year between July and March.

“With the economy opening up and foreclosure restrictions easing in most parts of the country, we are seeing a further surge in demand as manufacturing and other sectors gain momentum,” he added.

Significantly, India was a net exporter of copper for almost two decades before the closure of the Sterlite copper plant in Tuticorin, Tamil Nadu in May 2018.

In the same year, India became a net importer of copper for the first time. With increasing demand from various sectors, the import figure is expected to increase every year, although domestic production is hardly increasing.

According to the Ministry of Commerce, India generated net foreign exchange of US $ 1.1 billion from copper exports in 2017-18. However, after the closure of the Sterlite Copper smelter, India now experiences a net foreign exchange outflow of USD 1.2 billion due to copper imports each year.

In addition, India’s import of refined copper has benefited China to a large extent. Prior to the closure of the Tuticorin smelter, India exported copper worth US $ 2.1 billion to China in 2017. The same amount has sharply declined to just US $ 532 million in 2020. At the same time, copper exports to China from Pakistan and Malaysia increased by more than $ 2 billion from 2017 to 2020.

In other words, the suspension of operations at the Tuticorin smelter helped China reduce its import dependence on India by $ 1.5 billion.


Supply Chips, Test Woes to Further Reduce Light Vehicle Production in 2021 – IHS Markit, Auto News, ET Auto



Automakers from General Motors to Toyota in Japan have cut production and sales forecasts due to scarcity of chip supplies.

Semiconductor shortages and the delay in packaging and testing of chips will cause global production of light vehicles to drop by five million this year, data firm IHS Markit said on Thursday, marking the largest drop in its outlook in nine months.

Citing supply chain challenges, IHS said it was reducing its light-duty vehicle production forecast by 6.2 percent for 2021 and 9.3 percent for 2022, to 75.8 million. units and 82.6 million units, respectively.

Packaging and testing operations in the semiconductor industry in Malaysia were affected due to government lockdown measures in early June, IHS said, exacerbating difficulties for an already limited supply chain.

“Our interpretation of the situation in Malaysia, which is responsible for 13% of the global supply of semiconductors for the automotive industry, has become more pessimistic,” IHS said.

“The two-and-a-half-month backlog that has accumulated since June will take time to resolve and is expected to continue until 2022.”

Automakers from General Motors to Japanese Toyota have slashed production and sales forecasts due to scarcity of chip supplies, compounded by a resurgence of COVID-19 in major Asian semiconductor production centers.

IHS said the semiconductor issue caused a production loss of 1.44 million units in the first quarter and an additional 2.6 million units in the second quarter.

Currently, losses for the quarter stand at 3.1 million units and increase, nearly double its previous forecast.

“The outlook for the fourth quarter now reflects increased risk as supply chain challenges – primarily semiconductors – remain entrenched.”


Read also:

Liuzhou-based SGMW, GM’s company with its partners SAIC Motor Corp and Guangxi Automobile Group, told an industry conference that it has been developing its own automotive computer chips since 2018.

Experts expect the shortage to continue until 2023, disrupting economic recovery in several countries.


Infineon opens Austrian chip factory ahead of schedule, Auto News, ET Auto



The additional production of specialized electric chips at Villach will meet the growing demand for electric vehicles.

VILLACH: Infineon Technologies on Friday opened a 1.6 billion euro ($ 1.9 billion) plant in Austria, boosting the German semiconductor company’s ability to supply power chips for cars, centers data and renewable energy production.

The plant in Villach, ready three months earlier, will manufacture chips on wafers 300mm thinner than a human hair, working in tandem as a ‘megafab’ with an existing plant in Dresden, Germany and adding up to to 2 billion euros in revenue per year. .

“The new factory is an important milestone for Infineon and its opening is very good news for our customers,” CEO Feinhard Ploss said at an opening ceremony attended by Austrian Chancellor Sebastian Kurz and European Commissioner Thierry Breton .

“Our timing for adding new capacity couldn’t be better, given the growing demand for power management semiconductors,” Ploss added.

Infineon is increasing capacity at a time when global semiconductor supply chains are under extreme stress, with most major automakers forced to shut down production due to a shortage of chips.

Munich-based Infineon, the leading supplier to the auto industry, itself faced problems meeting delivery commitments after a winter storm destroyed a plant in the United States and coronavirus lockdowns disrupted operations in Malaysia.

The additional production of specialized power chips at Villach will meet the growing demand for electric vehicles, data centers and wind and solar installations. But that won’t immediately help ease the broader semiconductor crisis, analysts say. ($ 1 = 0.8490 euros)

Read also:

With the supply chain severely affected since the outbreak of the Covid 19 pandemic, the Center is now urging global manufacturers to locate their units there. Sources said there may be more South Korean and Taiwanese companies lining up to set up semiconductor manufacturing units in India.


U.S. miners denounce proposed mining royalty plan to Congress, Auto News, ET Auto



The entire House could overturn the committee’s decision and the legislation faces an uncertain fate in the US Senate.

U.S. mining companies are blowing up proposals in Congress that would set royalties for copper, lithium and other minerals mined from federal lands, with executives saying the measures would hurt domestic production of building blocks for solar panels, vehicles electric and other green technologies.

The House of Representatives Committee on Natural Resources last week added wording to the proposed $ 3.5 trillion reconciliation spending measure that would set a gross royalty of 8% on existing mines and 4% on new ones. . There would also be a charge of 7 cents for each tonne of rock moved.

It would mark one of the most significant changes to the law that has governed mining in the United States since 1872 and could raise around $ 2 billion over 10 years for federal coffers.

The entire House could overturn the committee’s decision and the legislation faces an uncertain fate in the US Senate.

“The race for electric vehicles and the electrification of the economy requires metals and mines, and this must be encouraged, not blocked,” said Rich Nolan, head of the National Mining Association, a trade group in the industry.

Tensions are mounting in the United States over how best to source the minerals needed to green the economy. President Joe Biden has yet to take a public position on the matter, although in private he has signaled his intention to rely on allies for EV metals, Reuters reported earlier this year.

The 1872 law did not set royalties to encourage the development of more than 350 million acres in the western United States. The miners say it should stay as is or be changed slightly. Environmentalists have long said the law should be updated to force industry to pay to extract minerals from land owned by taxpayers.

Executives say Biden’s goal of producing 35% of America’s electricity through solar panels – up from 3% today – would be virtually impossible without new mines. The money is used to make photovoltaic cells.

“This royalty proposal is really inconsistent with the ability to increase production and meet demands for money to green the economy,” said Phil Baker, managing director of Hecla Mining Co, the world’s largest silver producer. American. Baker said he would shut down the mines if the proposal was approved.

Miners say they are already paying high incomes, sales taxes, and other taxes. They warned that the proposed gross profit royalty would discourage investment when commodity prices rise and shorten the life of a mine when prices fall.

The NMA declined to say what percentage of royalty its members would find acceptable. He said he would prefer a net profit royalty rather than gross profit.

New taxes up the supply chain undermine electric vehicle battery targets set by President and Congress and make American politics look schizophrenicTodd Malan, Talon Metals Corp

“New taxes at the start of the supply chain undermine the targets for electric vehicle batteries that have been set by the President and Congress and make American politics look schizophrenic,” said Todd Malan of Talon Metals Corp , which is developing the Tamareck nickel deposit in Minnesota. . Nickel is used to make cathodes in electric vehicle batteries.

The proposed new royalty rates would affect what’s known as hard rock mining, but are part of a series of other proposed royalty increases on oil, coal and natural gas extraction. The committee also approved wording that would prevent Rio Tinto Ltd from building its Resolution copper mine in Arizona.

The NMA said it supports the committee’s proposal to create a $ 3 billion salvage fund for old abandoned mines.

Lithium Americas Corp, which develops the Thacker Pass lithium mine on federal lands in Nevada, said it was ready to work with Congress to develop “reasonable royalty for mining on public lands.” Lithium is a key component in electric vehicle batteries.

“The current proposal will hurt the competitiveness of the United States as demand for lithium skyrockets and domestic production just begins to respond,” said Tim Crowley of Lithium Americas.

Read also :


SK Innovation shareholders approve plan to split off battery, Auto News, ET Auto business



SEOUL – SK Innovation Co Ltd said on Thursday that its shareholders have approved the company’s proposal to separate its battery business into a new company.

The move paves the way for the battery industry, a supplier to Ford Motor Co, Hyundai Motor Co and others, to potentially raise funds and go public to finance expansion of its production capacity at high cost.

The unit, which will be launched on October 1, will initially be a wholly owned subsidiary of SK Innovation, tentatively named “SK Battery Co Ltd.

More than 80% of SK Innovation shareholders voted in favor of the plan, SK Innovation said in a statement.

“Securing timely financial resources is crucial for further quantitative and qualitative expansions in the future,” said Kim Jun, CEO of SK Innovation.

“With the split of the battery business, we plan to assess different ways of securing resources, such as creating joint ventures, partnerships and attracting strategic and financial investors.”

Kim played down speculation that the battery unit could go public as early as next year. He said the company, which aims to become profitable in 2022, expects its financial performance to improve as its US factories start operations.

In July, Kim said he would consider whether to list only on the Nasdaq or opt for dual listing in the United States and South Korea.

The South Korean battery maker said it has more than one terawatt hour (TWh) of batteries, which could power around 14 million electric vehicles.

South Korea’s National Pension Service, SK Innovation’s No.2 shareholder with an 8.05% stake, voted against the split plan on Tuesday, citing concerns about damage to shareholder value.

SK Innovation shares were trading down 3.6% against a 0.7% drop in the benchmark KOSPI at 0251 GMT.

The investment comes as global automakers turn to electric vehicles (EVs) to comply with environmental regulations, leading to growing demand for EV batteries.


Crypto Assets Are a Catalyst for Change But Need More Oversight



Cryptocurrency assets are a catalyst for change, but they need more government oversight, Securities and Exchange Commission Chairman Gary Gensler told the Senate Banking Committee today.

“We just don’t have enough investor protection when it comes to crypto-finance, issuance, trading or lending… This asset class is rife with frauds, scams and abuse in some applications. The crypto field is trying to stay out of investor protection… We can do better, ”Gensler said at a Banking Committee hearing.

Doing better, he added, would be improved with increased funding from Congress for more people to regulate crypto assets.

Gensler said he wanted the SEC, the Federal Reserve, the Office of the Comptroller of the Currency, the Commodity Futures Trading Commission; and the Treasury Department to see which of these areas they can do on their own and which they would need additional authority from Congress:

• The offer and sale of crypto tokens

• Crypto trading and lending platforms

• Coins of stable value

• Investment vehicles offering exposure to crypto assets or crypto derivatives

• Custody of crypto assets

He said Congress needed clarity on how federal regulatory agencies can work together on crypto issues such as transfer agents and custody.

Speaking on crypto at the hearing, Senator Elizabeth Warren (D-MA) said high unpredictable fees can make crypto assets dangerous for investors and that regulators need to step up their efforts.

But Montana Republican Steve Daines has argued that excessive regulation could generate jobs overseas.

Senior Republican on the banking committee, Patrick Toomey of Pennsylvania, criticized Gensler for not asking the SEC to publicly announce what characteristics make a cryptocurrency safe or not.

“Why wait until the SEC’s point of view is known only when it intervenes with enforcement action, in some cases years after the product’s launch?” This regulation by application is extremely reprehensible and will kill national innovation, ”Toomey accused.

Gensler told senators that the SEC, the Treasury and the Federal Reserve are working together to see how resilience and competition can be improved in the treasury bill market which has deteriorated during the pandemic after being affected by the ” Flash Crash ”of 2014 while the Treasury repo market had major dislocations in 2019.

He explained that Chinese companies operating in certain industries, such as the Internet and technology, are prohibited from selling their stake to foreigners in the United States, but. as a workaround, they use structures called variable interest entities to raise capital on U.S. exchanges through shell companies in the Cayman Islands and other jurisdictions.

On another issue, Gensler said the Commission is working to ensure that the increased risks of companies operating in China are clearly and prominently disclosed to investors.

Gensler said he wanted the Commission to improve private fund managers’ conflict of interest disclosures to help give pension funds and other investors the information they need to make investment decisions.

During the session, Gensler said the SEC can provide climate information on consistency and comparability for investors who are increasingly speaking out about the matter:

“It will help investors make decisions and businesses make money.”

He called the achievement of yield one of the greatest financial systemic risks facing the country.

Regarding Special Purpose Acquisition Companies (SPACs), Gensler said one of the problems is that retail clients often remain on the banker’s and developer costs.

Referring to the importance of the SEC, Gensler noted that US capital markets represent 38 percent of the world’s capital markets, nearly double the 24 percent of half of global gross domestic product.

At the same time, he said debt capital markets accounted for 80 percent of the financing of non-financial corporations in the United States, while in the rest of the world, nearly 80 percent of those loans came from banks. .


Telluride Film Festival Day Three Recap – Awardsdaily



The first two days provided films that focused on the nature of the imperfect father. Day three came full circle with a spotlight on motherhood. From a matriarch whose entire world revolved around her children to a woman who shamelessly declares that she wasn’t meant to be a parent, the theme was apparent in the movies we researched.

We started the day with Pablo Larraín’s dreamlike new film Spencer starring Kristen Stewart as Diana, the Tormented Princess of Wales. The film is set over the Christmas holidays at the Royal Family’s Sandringham Estate, and although the time, place, and people are based on reality, the film itself works in a way that is described as “a fairy tale upside down”. Kind of a ghost story.

This is a very important thing to know before the start of the film. This is NOT a biopic. It is a film that voluntarily takes liberties with its historical events. Larraín’s film declares straight away: “A fable of a true tragedy. This unique approach leaves a lot to absorb and digest. It’s not the type of movie you should see and tweet an instant reaction to, in my opinion, and proof of that is how much I’ve gone from loving Spencer to loving him over the past 24 hours.

Kristen Stewart delivers a masterful and virtuoso performance as a doomed princess reaching the peak of her mental and emotional crisis, with panic and vivid illusions. The mark of a great performance can often be seen through the eyes of the actor. How they express their curiosity. How they show angst and ambition. How well they can make you feel the emotions their character feels when you slip under the veil of the story they convey. That’s what Stewart achieved with his epic portrait. Stewart’s performance is what Oscar dreams are made of.

Spencer is a heavy movie. Gray clouds and hazy mists linger over the frosty courtyards and icy countryside, creating a haunting ambience that foreshadows the fate of the princess. The mood is expertly captured by cinematographer Claire Mathon, and composer Jonny Greenwood’s score is as eerie and lingering as Diana’s wayward wit. Spencer is a film’s feverish dream, giving a grim take on the turmoil Diana has gone through as a mother and wife trapped under the pressure of her obligations to the royal family. It will stay with you for days after seeing it.

We followed Stewart’s outstanding performance with another fantastic turn from Olivia Colman in Maggie Gyllenhaal’s first film, The Lost Daughter. Colman wonderfully plays the role of a woman who reflects on issues from her past and comes to terms with the fact that she was not destined for motherhood. Jessie Buckley is also terrific playing the younger version of Colman’s character. The film is a noble first effort by the talented actress-turned-director.

We ended this day of dark stories with what could be the darkest film of the festival, Jane Campion’s breathtaking cinematic return, The Power of the Dog. Campion was present to receive his tribute, awarded to him by Benedict Cumberbatch, the leader of his new movie. Campion spoke about his film, calling it “an exploration of masculinity” and felt it was a bookend for his 1993 Oscar-winning film, The Piano. Touring during the pandemic in New Zealand, Campion reveled in the experience, calling it “the most extraordinary thing she’s done in her life.”

The Power of the Dog is set in the cattle ranching lands of Montana in 1925. Cumberbatch stars alongside Jesse Plemons as two diametrically opposed brothers, Phil and George. When George takes a wife, Rose (Kirsten Dunst), Phil’s menacing and menacing presence drives her and her bizarre son, Peter (Kodi Smit-McPhee), to madness.

The Power of the Dog is meticulously crafted and wonderfully executed. Delightfully shot by Ari Wegner, Campion’s film is both glowing and gloomy. The Power of the Dog is a towering achievement and the best work of Campion and Cumberbatch careers. Jonny Greenwood’s breathtaking score is once again aces, capturing the beauty of the awe-inspiring scenery and the looming danger Phil’s shadow casts on the newly formed family. The soundtrack is the one I’ll play on repeat as soon as I can get my hands on it.

Put simply, The Power of the Dog is one of the best films of the year, adding to the exceptional lineup we witnessed in the early days here at the 48th Telluride Film Festival.


Another $ 10,000 reward offered for information on the deaths of Kylen Schulte and Crystal Turner in Moab



MOAB, Utah (ABC4) – A second award of $ 10,000 is being offered as part of the investigation into the deaths of two newlyweds killed in Grand County, Utah, in August. A private loan company is the latest to offer a reward.

The Grand County Sheriff’s Office is working alongside the Federal Bureau of Investigation and the Utah State Bureau of Investigations to investigate the deaths of recently married Crystal Turner, 38, and Kylen Schulte, 24. Earlier this week, a local entrepreneur wishing to remain anonymous offered a reward of $ 10,000 for relevant information that assists in the arrest and conviction of the person (s) implicated in the deaths of Turner and Schulte.

Thursday the The Grand County Sheriff’s Office announced a second award of $ 10,000 was offered for information leading to the arrest and conviction of the person (s) implicated in the deaths of Turner and Schulte by Sacred Earth One, LLC, a private loan company based in Moab .

On August 18, the Grand County Sheriff’s Office confirmed that the bodies of two women were found in the mountains of La Sal, near Moab, a popular tourist destination outside of Arches National Park. The women have been identified as Turner and Schulte. Both had been shot and last seen on Friday, August 13.

Turner and Schulte were reportedly found by Cindy Sue Hunter, a friend of Schulte. Hunter, a longtime friend of Schulte, and calls him “magic”. Friends of the couple say the two loved to go camping with their pet rabbit. Hunter tells ABC4 that she received a phone call from Schulte, Montana’s father after the couple had not heard from in three days. Schulte’s father told Hunter that a “creepy guy” had recently urged them to move their camp. Hunter found their encampment and bodies, while they were on the phone with Schulte’s father.

Prior to their death, ruled a double homicide, the couple were last seen at a Moab bar, Woody’s Tavern, on Friday, August 13, around 9:30 p.m. in love with each other and their focus and attention were always on each other, ”adding that despite reports that the women had been followed,“ no one was following them out the door ”. The position changes to criticize the way investigators conduct the investigation.

The authorities ask you not to leave relevant advice on social media. If you have any information to help you in this case, we encourage you to call the Grand County Sheriff’s Office (435) 259-8115. If you don’t get a response, leave a detailed message and an investigator will call you back.

Shulte’s family started a Fundraising to cover funeral costs. According to GoFundMe, who is no longer accepting new donations after raising $ 33,508, Schulte lost his brother after a friend shot and killed him in 2015 when he was just 15 years old. Schulte’s family is guiding those still interested in offering financial support to a GoFundMe for Turner’s funeral expenses.


Slim To None – Skiing’s First Patreon Movie – Trailer & Interview



This winter, Keegan Killbride, Cam Willis and the rest of the Thin to none the crew follows a different path. There were a lot of ski teams on the streets and in the backcountry in the United States, despite the restrictions of the pandemic. But they were the only team to do so and to publish content exclusively on Patreon. The trailer for the film dropped for subscribers a few days ago, but it’s now available to everyone and can be found just below. We caught up with the boys to find out what the winter was like and what the experience of making a ski movie through Patreon was like.

https://www.newschoolers.com/videos/watch/1009345/Embed-Code

————-

Interview by Jamie Walter @1337

Yo guys! How was this winter? Where are you guys right now?

Keegan: Great season. Things rarely go as planned, but that’s always when the best opportunities present themselves. I’m back in Maine now.

Cam: Currently back in Brooklyn. Winter was wild, really different from what we expected, but it worked. We took our first trip to Montana in January, got a bunch of clips on the east coast, we ended it with a street trip to CO and we did a ton of it. It was great. The Covid has put an end to some of our plans but it is the story of this winter for many people.

_

What is your favorite memory while working on Slim to None?

Keegan: Probably just watching Emoney and Cam hang. The children are terrible together.

Cam: I can’t limit myself to just one, I think the memories / relationships you create by working on projects that involve so much passion are some of the most important experiences in life, no matter what. Keegan and I have built a pretty unique friendship. I have memories of Montana on which I could write a little book that will never leave me.

In Maine, Keegan and I really worked 1 on 1 with a few other hands on the bridge (thanks to the boys in Maine / NH for helping out). It really showed Keegan and I’s dedication to doing something special and trying to show it. There is something special about being an east coast local, that you grew up watching all those ski filming segments / careers being built here, then go out there and try to put your own take on it. The east is cold and there is no fucking snow, so it’s always like an accomplishment to do it on the streets. The trip to the OC was wild and it really felt like a decisive situation as to whether we had a movie or not. At the end of the day, we had a lot more than we expected and we filmed most of it in t-shirts. It was a great way to wrap up. You can see pieces of those memories strewn throughout the film this fall.

_

What was it like trying to make a ski movie across the country during COVID? Have you faced challenges related to the pandemic?

Keegan: Canada didn’t want us, so it hurts. It was nice to always keep a tight crew so that we didn’t have to worry about it and we could forget about all the madness in the world.

Cam: Yes, for sure, one of our biggest projects was to go to Quebec this spring. The borders are still closed and you basically can’t spend a lot of time isolating yourself and / or spending money. In the end we did well, but it was frustrating as being based on the east coast it’s an obvious destination for street skiing, and the amount you can do on a short trip is pretty high. Maybe next year.

_

Apart from everything COVID, have you encountered any other issues?

Keegan: A hand full of staples at the top, a few cracked ribs, nothing serious though. Fairly mild season. We really appreciate all the support from our sponsors.

Cam: Planning was difficult, trying to align the time slots between work and things in life in general. Everything worked though

_

What does it take to make a ski movie these days? Would you do it again?

Keegan: Oh yeah. I still have two jobs but I don’t know what else I would do in my free time. I love this shit. Feel that we have a lot more to do.

Cam: It takes patience and dedication. Like always. The hardest part for me is trying to balance a sustainable career and really something that is only driven by pure passion and an empty wallet. Hell, I would do it again, or at least I would.

_

What’s the plan now? How long will the editing process take you?

Cam: Keegans will be going down to Brooklyn and ravaging delis / bars for a week and preparing the cut / outline for the film. I’ll have a great time after that trying to wrap things up and put the finishing touches on the mid-level job here in town. On top of that, we are working with Orono Brewing to plan a top notch tour, and we plan to be at High Five and IF3.

Keegan: Oh fuck yeah Cam, I forgot the delicatessen. I’m so excited to really start cutting all of this footage.

_

What’s the exit plan? How and when can people catch Slim to None?

Cam: I think there is still a bit to be understood on the full layout of how this will be published. Patreon subscribers will get the movie with the subscription. Patreoners – Thanks for the support, we couldn’t have done anything this winter without all of you. We will have the film available for purchase on Vimeo and potentially on Itunes and / or Amazon depending on what we can concoct with the distribution companies. The updates can be seen on our Instagram and Patreon and if you want to see the BTS videos and really dive into what Keegan and I have created this winter you have to subscribe to the Patreon plus it will be cheaper than buy the movie on other platforms this fall.

_

What have you released on Patreon so far? How did that happen ? How do people like the platform?

Cam: Patreon was a pleasant surprise. We really didn’t know what to expect. It was a lot of work getting the videos we made there, but it paid off and I think the people who subscribed liked them. We have four BTS / Update videos up there now, a bunch of pics from our travels. I’m sure a lot more will be added as we start moving the frames around and editing the movie.

_

Do you have any special thanks or thanks?

Keegan: Thank you Paul @talltproductions, Phil @armadaskis, Dan @arsenicanywhere, Will @wellslamontsnow, Abe @oronobrewingcompany, Connor @fulltiltboots and all my friends and family who have shown their support. You are all amazing

Cam: Yes everyone you are all legends thank you for hosting, supporting and helping us where we needed you.

_

Subscribe to Patreon

now and get the movie as part of your subscription when it drops.


Former Denver TV Presenter Keagan Harsha Crime Victims Update



KTVQ/Arapahoe County Sheriff" class="uk-display-block uk-position-relative uk-visible-toggle"> Click to enlarge

A portrait of Keagan Harsha and a photo of the stolen U-Haul shared by the Arapahoe County Sheriff’s Office.

KTVQ/ Arapahoe County Sheriff

Broadcasters have left Denver TV station jobs at an unprecedented rate this year. But none made a more unusual outing than former Channel 2 presenter Keagan Harsha, whose belongings were stolen just before he could hit the road. And although the rental truck that contained his belongings was found, not all of his belongings were recovered.

There has always been a lot of staff turnover in Mile High City TV stations. But this year has seen an unusual number of departures, and many of those who left the journalism industry either left the journalism industry altogether or got rid of themselves. For example, Fox31 / Channel 2 personality Natalie Tysdal launched her own branded network on YouTube and beyond; 9 Forecaster Becky Ditchfield now focuses on her family and related issues; Ryan Haarer of 9News has gone from reporter to real estate expert; Fox31 favorite (and former Denver Broncos cheerleader) Sam Boik has joined Littleton’s Pivot Lending Group, a leading credit union mortgage origination company; veteran Channel 2 forecaster Matt Makens has founded his own weather website; and 9News reporter and presenter Liz Kotalik has held a public relations role with Bonanno Concepts, a powerful restaurant group.

But Harsha, who has been a presenter of Channel 2 and sister station Fox31 for the past six years, remains in the news business. In July, KTVQ in Billings, MT, announcement that Harsha, originally from the state, had been hired as the news director of that station. “We all know there is something very special about Montana and the people who live there,” Harsha said in a statement announcing the move. “After spending the past seventeen years in television markets across the country, I am delighted to return home to the state I love. Montana is where I was born and I I grew up, that’s where I went to college and met my wife, and that’s where I started my career in the news.

Earlier this month, Harsha officially Say his goodbyes to Channel 2 and Fox31. But on August 22, he contacted viewers and others again through his Twitter account. “I need help this morning,” he tweeted. “Our 26-foot-long U-Haul truck with all of our stuff was stolen from a hotel parking lot last night. We stayed overnight and were planning to drive into Montana today. Look for the Arizona plates. AK25235. ” He added that the vehicle was stolen “near the I-25 exit and Dry Creek”.

Less than 24 hours later, the Arapahoe County Sheriff’s Office offered an update that began with an all-caps exclamation: “U-HAUL HAS BEEN FOUND! Woman spotted the truck in Aurora after she seen description on the news. It was located near S. Telluride & E. Asbury at 9am ”

Overall, law enforcement officials rated this as an “excellent result!” However, AOHC acknowledged that “some of the [the] personal belongings were taken, but not all, “and the Aurora Police Department has issued an alert asking anyone with information on the crime and missing items” to send advice to @CrimeStoppersCO “.

Harsha isn’t complaining. ” Great news ! He tweeted. “Thank you to all the wonderful people at
@AuroraPD and @ArapahoeSO and for the hundreds of people who shared posts on social media! Our family thanks you all. ”

And no doubt happy to be out of Denver. Bet Montana looks even better now.


Overall, mortgage delinquencies are approaching pre-pandemic levels, but 1.45 million remain seriously overdue as the moratorium on foreclosures expired in late July



JACKSONVILLE, Fla., Aug.20, 2021 / PRNewswire / – Dark Knight, Inc. (NYSE: BKI) reports the following “first glimpse” of mortgage performance statistics at the end of April 2021 derived from its database at the level of loans representing the majority of the national mortgage market.

Total loan default rate in the United States (loans past due 30 days or more, but not in foreclosure): 4.14% Month-to-month change: -5.22% Year-over-year change to the other: -40.06%

Total inventory rate before the foreclosure sale in the US: 0.26% Month-to-month change: -3.99% Year-over-year change: -25.93%

Total number of seizures in the United States: 4,200 Month-to-month change: -4.55% Year-over-year change: -57.58%

Monthly Prepayment Rate (SMM): 2.04% Month-to-month variation: -10.68% Year-to-year variation: -25.37%

90+% foreclosure sales: 0.17% Month-to-month change: 40.66% Year-to-year change: 210.45%

Number of properties that are 30 days or more past due, but not foreclosed: 2,206,000 Month-to-month change: -114,000 Year-over-year change: -1,486,000

Number of properties that are 90 days or more past due, but not foreclosed: 1,447,000 Month-to-month change: -103,000 Year-over-year change: -803,000

Number of Properties in Pre-Sale Foreclosure Inventory: 140,000 Month-to-Month Variation: -5,000 Year-to-Year Variation: -50,000

Number of properties overdue for 30 days or more or in foreclosure: 2,346,000 Month-to-month variation: -120,000 Year-to-year variation: -1,535,000

Top 5 States by percentage of non-current *

Mississippi: 7.66% Louisiana: 6.93% Hawaii: 6.09% Oklahoma: 5.93% West Virginia: 5.83%

The last 5 states by percentage of non-current *

Montana: 2.79% Washington: 2.68% Utah: 2.66% Colorado: 2.57% Idaho: 2.20%

Top 5 States by Percentage of Offenders Over 90 Days

Mississippi: 4.57% Louisiana: 4.18% Hawaii: 3.83% Maryland: 3.81% Alaska: 3.80%

Top 5 States by 6-month improvement in the percentage of non-current *

Nevada: -33.24% Rhode Island: -33.14% Florida: -32.52% Arizona: -32.48% Hawaii: -32.17%

Top 5 States by deterioration over 6 months in non-current percentage *

District of Columbia: -18.74% Minnesota: -21.60% Nebraska: -21.94% Wisconsin: -22.86% Iowa: -22.95%

* Non-current totals combine foreclosures and defaults as a percentage of loans active in that state.

Notes: 1) Totals are extrapolated from Black Knight Mortgage Database. 2) All whole numbers are rounded to the nearest thousand, with the exception of the beginnings of foreclosure, which are rounded to the nearest hundred.

For a more detailed view of this month’s “first look” data, please visit the page Black Knight Newsroom.

The company will provide a more in-depth look at this data in its monthly Mortgage Monitor report, which includes data analysis supplemented with detailed tables and charts that reflect trends and one-off observations. The Mortgage Monitor report will be available online at https://www.blackknightinc.com/data-reports/ before Wednesday September 8, 2021.

For more information on accessing Black Knight’s loan level database, please email [email protected]

About Black Knight

Black Knight, Inc. (NYSE: BKI) is an award-winning software, data and analytics company that drives innovation in the mortgage lending and services and real estate industries, as well as in capital markets and secondary. Businesses leverage our robust integrated solutions throughout the homeownership lifecycle to help retain existing customers, gain new customers, mitigate risk and operate more efficiently.

Our customers rely on our proven, comprehensive and scalable products and our unwavering commitment to providing superior customer support to achieve their strategic goals and better serve their customers. For more information on Black Knight, please visit www.blackknightinc.com.

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SOURCE Black Knight, Inc.


Wall Street sees first signs of concern over economic recovery



Editor’s Note: Morning Money is a free version of the POLITICO Pro Financial Services Morning Newsletter, distributed to subscribers every morning at 6 a.m. The POLITICOPro platform combines the news you need with the tools you can use to tackle the biggest story of the day. Act on the news with POLITICO Pro..

Wall Street sees first signs of concern over economic recovery – – Several banks and forecasters lowered the economic outlook last week as news about the coronavirus worsened. This is because the highly contagious delta mutant threatens to revert to pre-vaccination precautions. The uncertainty raises a bet of already eagerly awaited speech by Federal Reserve Chairman Jerome Powell at the annual Jackson Hole conference next week.

Goldman Sachs significantly lowered its forecast for third quarter economic growth this week From 9% to 5.5% – “The impact of the delta variants on growth and inflation has turned out to be a little larger than expected,” wrote a bank economist in a research note. From 6.4% to 6%, based on the theory that growth will increase in the fourth quarter “in hopes of reducing the risk of viruses”.

Wells Fargo said daily new cases of Covid matter Banks hit their highest level in January Reduced growth forecasts for the third quarter From 8.8% to 6.8% last week. The Conference Board has also noted an increase in Covid cases. Adjustment of forecasts for the year From 6.6 percent to 6 percent.

The economy is “more and more linked to the operation of the delta variants”. Moody’s Analytics Chief Economist Mark Zandi is a member of the group Weekly Outlook Notes Thusday. “While it seems unlikely that the varieties are destructive enough to hamper the recovery, there are growing signs that the rapidly expanding varieties may be a hindrance to economic growth. “

Happy friday – Ben White is back next week. Send him a hint [email protected] too @morningmoneyben To Aubrey Eliza Weaver [email protected] too @AubreeEWeaver..

Unemployment claims hit a low pandemic – AP Paul Wiseman: “The number of people seeking unemployment has fallen to pandemic low levels four times in a row last week, as employers boost employment to meet rising consumer demand. The latest sign that the US job market is recovering from a pandemic recession. The Department of Labor said Thursday that jobless claims rose from 29,000 to 348,000. Weekly volatility leveling The four-week average bill also fell by 19,000, just below 378,000, which is also a low pandemic level. ”

Second quarter growth rate could be revised up – Reuters: “US economic growth in the second quarter reflects an economic recovery amid improving public health, with a more recent raft than initially thought to cover this period. As a result, it is likely to be revised upwards. Thursday’s Commerce Department’s quarterly survey of services (QSS report) shows total domestic production is growing much faster than the 6.5 percent annual rate announced by the government in preliminary estimates last month. Added to the feed of data such as retail sales and inventory suggesting this has been done. ”

Mortgage delinquency has also declined – Bloomberg’s Prashant Gopal: “The mortgage default rate fell to its lowest level in the second quarter since the start of the pandemic, as it helps homeowners get out of trouble when the economy struggles. ‘to improve. According to a survey by the Association of Mortgage Banks, the seasonally adjusted default rate fell to 5.47% of total loans, from 8.22% the previous year, the lowest since the first quarter of 2020. ”

Bond Market Signals Are Confident in Federal Policy Outlook – WSJ’s Sam Goldfarb: “Major bond market signals suggest investors feel they have a good understanding of Federal Reserve policy and the recent Jackson Hall central bank meeting next week. The extra yields investors need to hold 30-year US bonds in 5-year bonds for almost two months are mostly just under 1.2 percentage points. The carefully watched inequality, known as the 5-30 spread in the Wall Street Journal, fell about 1.4 percentage points after the Fed’s policy meeting on June 15-16. ”

Biden strikes back at G7 minister’s comments – Esther Webber from POLITICO Europe: “The G7 Foreign Minister needs a common approach to avert a humanitarian crisis in Afghanistan, even though the United States seems reluctant to engage with its allies following their withdrawal from Afghanistan. British Foreign Secretary Politico Europe chaired a video call Thursday with his counterparts from a group of the richest countries in the world, where they provided assistance and lost more lives. Determined to work together to prevent … British officials agree to call after the United States largely ignored allied attempts to discuss Afghanistan in recent weeks, led by G7 presidents France and the United States. UK. “Bounced” like. “

please listen – – Economists warn that failing to send women back to work will hurt the economy as a whole. Megan Cassella from POLITICO sits down with Victoria Guida and explains what’s going on at Victoria’s house. Last podcast episode..

CFTC Step Down Quintens – Paul Kiernan of the WSJ: “Democrats are expected to dominate the country’s derivatives market regulators after one of the two Republicans leaves the Commodity Futures Trading Commission at the end of this month. 2017 Brian Quintens, a CFTC commissioner appointed on Sen’s recommendation from then-President Donald Trump. Mitch mcconnell (R., Kentucky) said in an interview that he plans to leave the agency on August 31. His five-year term expired in April 2020, but he is eligible to remain in the regulator until the end of this year.

Republican Senator calls on Biden to renew Powell – Reuters Ann Safir and Trevor Funikat: “President Joe Biden is placing Jerome Powell on federal reserve for another four years to boost confidence in improving the economy, which still faces significant risks. Should be placed, senator steve daine I said in a letter to the president on Thursday.

“Changing top leadership during this difficult time can foster uncertainty in the financial system and undermine economic recovery,” Montana Republican Danes said. His letter was the first formal call for Powell to be reappointed by members of the Senate Banking Committee to vote for the U.S. Central Bank nominees before being considered by the Senate.

The world’s largest crypto exchange still doesn’t have our footing – NYT’s Emily Flitter: “The quest for legitimacy in the US leads Binance.com, the world’s largest cryptocurrency exchange, to pursue an initial public offering of the US unit, but a cryptocurrency company . As is usually the case, progress is slow and may suit a secretly established business. “

Google and Apple demanded to work as ‘one company’, lawsuits say – Leah Nylen: “Google and Apple agree to ‘work as one company’ in the mobile market, and search giants will no longer install alternative app stores on Android phones as of 2019 Recently published court documents. The complaint will be posted in Epic Games’ antitrust case against GoogleIt was fully opened Thursday following an order from the California Federal Court of Justice. “

How Apple is attacking the state legislature – Our Emily Burnbaum: “When Apple wanted to drop two bills in Georgia this year, it rushed lobbyists to the state legislature, threatening to drop major economic projects and calling for pro-Apple amendments. I convinced the Attorney General. Two months later The bill, which appears to have had the most momentum, was blocked by the Georgia House Judiciary Committee. The committee chairman did not pass the bill in this year’s session, effectively killing him in the lower house. “

Another hectic day on Wall Street – AP’s Damian J. Troise and Alex Veiga: “On Thursday, Wall Street closed with mixed major indices after a series of volatile days. The S&P 500 closed on profits for most of the day. After going back and forth between losses, he finished with a profit of just 0.1%. Most stocks in the S&P 500 fell, but the benchmark was largely due to the rise of some big tech companies like Microsoft. He got up. The Dow Industrial 30 stock average fell 0.2%, the Nasdak rose 0.1%. Small and medium-sized stocks have lost ground. ”



SEC Chairman Warns Cryptocurrency Industry Will Not Reach Potential To Stay Outside Our Laws



The chairman of the Securities and Exchange Commission, Gary Gensler, argued Thursday that the field of cryptocurrency “will not reach any of its potential if it tries to stay outside our laws.”

He clarified that these laws include those relating to money laundering, tax compliance and the SEC’s “priority”, which is investor protection.

Bitcoin and other cryptocurrencies remain unregulated within the US financial system.

Gensler provided a preview of “Mornings with Maria” on Thursday as the industry waited to see how the Democrat nominee will approach crypto market surveillance, which it says should be incorporated into mainstream financial regulation.

Gensler on Thursday called cryptocurrencies “innovative technologies,” but also highlighted the potential risks associated with the industry’s evolution.

Gensler told FOX Business host Maria Bartiromo on Thursday that the SEC was “neutral” on crypto, but not neutral on investor protection.

He stressed that his agency focuses on investor protection, especially for working families.

Earlier this month, Gensler called on Congress to give the SEC more authority to better control cryptocurrency trading, lending and platforms, Reuters reported, noting that it called the markets “Wild West” crypto plagued by fraud and investor risk.

Teleprinter Security Last Switch Switch %
BITQ EXCHANGE TRADED CONCEPTS TRUSTED BITWISE CRYPTO INNOVATORS E 24.59 +1.02 + 4.31%
PIECE OF MONEY COINBASE GLOBAL, INC. 257.32 +9.08 + 3.66%

Gensler reportedly said the market involves many tokens, which may be unregistered securities and therefore could leave prices open to manipulation and millions of investors vulnerable to risk.

In April, cryptocurrencies reached a record capitalization of $ 2,000 billion as more investors invest in digital tokens.

Bitcoin was trading lower this week. Cryptocurrency fell more than 1% Thursday morning as cryptocurrencies declined. As of Thursday morning, the price was around $ 44,300 per coin and rose to around $ 45,700 on Thursday afternoon, according to Coindesk.

However, for the cumulative returns for the year, bitcoin is up 56% thanks to a strong performance from bullish traders throughout the first half of this month, as prices rose steadily from $ 38,000 on August 4 to around $ 48,190 on Saturday.

Rivals Ethereum and Dogecoin were trading at around $ 3,066 and 31 cents per coin, respectively, according to Coindesk.

Concerns over cryptocurrencies were raised on Tuesday by Neel Kashkari, chairman of the Federal Reserve Bank of Minneapolis.

“I was more bullish about crypto and bitcoin five or six years ago,” Kashkari said. “So far what I’ve seen is… 95% fraud, hype, noise and confusion.”

Kashkari made the comments during an appearance at the annual Pacific Northwest Economic Region summit in Big Sky, MT, and reported by Coindesk.

ANALYSIS: DECENTRALIZED FINANCE: LAST FRONT IN THE CRYPTO PIRACY PROBLEM

Kashkari pitted the open nature of the crypto field against the US government’s monopoly on issuing dollars.

“There are thousands of this garbage that has been created,” the central banker said. “Some of them are real fraudulent Ponzi schemes. They trick people into investing money and then the founders scam them.”

Kashkari scoffed at the idea that bitcoin could serve as a haven against inflation, especially that seen in some developing countries.

Gensler noted Thursday that interest in crypto “innovations” has “shown that we all want our payments to be faster and cheaper.”

The Senate confirmed Gensler, President Biden’s choice, as chairman of the Securities and Exchange Commission in April. Gensler was a former financial regulator and executive of Goldman Sachs Group Inc. He headed the Commodity Futures Trading Commission, a regulatory little brother of the SEC, from 2009 to 2013, according to the Wall Street Journal, which added that he ” has a habit of upsetting the status quo “.

The newspaper reported that while at the Commodity Futures Trading Commission “he crushed opposition to write rules from scratch governing the markets for hundreds of billions of dollars in derivatives,” adding that “some of these complex financial instruments were blamed for the 2008-09 financial crisis. ”

Bartiromo asked Gensler what his priorities are in his new role as SEC chairman.

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“I think the markets are changing every day. Technology is changing markets fast and we cannot take it for granted that we have the best markets,” he replied. “I would like, at the end of my term, to get out of the market even better.

He went on to say that he believed there were “definitely things we can do” to make parts of the “market more transparent”.

LEARN MORE ABOUT FOX BUSINESS BY CLICKING HERE

Ken Martin of FOX Business contributed to this report.


Dubuque Bank & Trust trade



DUBUQUE, Iowa, Aug. 10, 2021 (GLOBE NEWSWIRE) – Dubuque Bank and Trust (DB&T), a member of Heartland Financial USA, Inc. (HTLF) which operates under the HTLF brand, continues to show consistent strength in the business space. payment. Nilson Report ranked HTLF among the top U.S. commercial credit card issuers for the sixth consecutive year.

In 2020, HTLF’s commercial credit card program ranked among the top 40 acquisition card programs with a purchase volume of over $ 548 million, an increase of 21% over the previous year. the previous year and the fourth highest growth for acquisition cards.

The Nilson Report ranking reflects HTLF’s innovative approach to digital technology products and delivers excellent customer experiences. HTLF has invested in a team of industry experts to help educate customers on the value of Electronic Accounts Payable (EAP), increasing their purchasing portfolio by 21% year over year.

“Now more than ever, DB&T understands the importance of getting back to business. With a strong payment strategy that includes electronic payments, businesses can reduce operating costs, increase fraud protection and provide more streamlined payment processes, ”said Tyson Leyendecker, President and CEO of Dubuque Bank and Trust.

“Last year, we launched our Integrated Payables solution, which is a platform for processing check, ACH and credit card payments. This year, we are delighted to introduce new solutions such as contactless cards and Visa Commercial Pay. As the electronic payment method quickly becomes more mainstream, we are helping our customers better manage their cash flow, negotiate favorable terms, protect against fraud and have a more efficient payment process overall.

2021 has been an important year for HTLF and its banks. The company changed its name in the spring to reinforce the strength, insight and growth it brings to its customers, communities, employees and investors. Additionally, HTLF has been recognized by Forbes as one of America’s Best Banks for the fifth consecutive year.

For 50 years, Nilson Report has been a respected source for payments industry information and market intelligence. Nilson analyzes and reports on the performance of hundreds of credit, debit and prepaid card issuers, transaction acquirers and technology providers with an unbiased perspective.

About the Dubuque Bank and Trust Company

Dubuque Bank and Trust Company (DB&T), a subsidiary of Heartland Financial USA, Inc. operating under the HTLF brand, is a state chartered bank with more than $ 1.9 billion in assets and serving customers in the Grand Dubuque region from six locations. The bank specializes in business loan and deposit services and offers a wide variety of personal credit and deposit services as well as comprehensive electronic banking programs. DB&T is a member of the FDIC and an equal funder. For more information visit www.dubuquebank.com or call 877.280.1851.

About Heartland Financial USA, Inc.

Heartland Financial USA, Inc. (HTLF), operating under the HTLF brand, is a financial services company with approximately $ 18.2 billion in assets. HTLF banks serve communities in Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, New Mexico, Texas and Wisconsin. HTLF is dedicated to its core business activity, supported by a strong retail business, and provides a diverse range of financial services including residential mortgages, wealth management, investment and insurance. Further information is available at htlf.com.

Beth rowe
Marketing and Public Relations Director
563.589.2059
[email protected]

Dubuque-Bank-and-Trust.png


Washington wakes up under the influence of crypto amid the fight against infrastructure



Unlike Wall Street banks, the industry has been able to entice thousands of crypto enthusiasts on social media to join the battle by providing a real-time game of Senate negotiations. Jack Dorsey, the senior executive at financial payments firm Square, called on his 5.6 million Twitter followers to fight billing language which he called “impractical.” Even Kiss bassist Gene Simmons was involved, announcing in a tweet that he supported an amendment to protect the industry.

“This has certainly been a wake-up call for crypto,” said Kristin Smith, executive director of the Blockchain Association, an industry lobbying group. “But on the other hand, I think Washington is starting to see that crypto is more powerful than anyone ever imagined.”

The episode, far from over as the Senate prepared to send legislation to the House, revealed the growing influence of digital currency startups which in just a few short years have grown into multi-billion dollar companies as investors were flocking to Bitcoin and other digital assets. Their rise is reflected in their operations in Washington, which were once dominated by idealists and academics, but now employ former elected officials and other seasoned government operators.

The problem in the lobbying battle was a proposal included in the infrastructure bill that would require cryptocurrency trading platforms and other entities defined as “brokers” to report digital asset transactions to the Internal Revenue Service. Lawmakers and the Biden administration included the provision as part of an offer to generate revenue for infrastructure projects – around $ 28 billion, according to an initial estimate – and also address long-standing concerns according to which cryptocurrency traders don’t pay the taxes they should.

Digital currencies such as Bitcoin and Ether give users the ability to conduct financial transactions without using fiat currencies like the US dollar, although they have mainly become tools for investment and speculation.

The tax proposal, which surprised many industry advocates when it was first revealed on July 28, marked the most important bill to target cryptocurrency in its short lifespan.

“Other industries were probably better prepared to avoid paying off,” said Ed Mills, Washington policy analyst at Raymond James. “It’s the first time they’ve really been on the menu.

Digital currency advocates and lobbyists immediately denounced the tax provision as a threat to the existence of the industry in the United States. transactions on the computer networks underlying the virtual currencies. They said it also threatens the development of decentralized financial services, or DeFi, which offer lending and trading over automated software protocols with minimal human oversight.

The pullback against the tax provision was prompted by groups such as the Blockchain Association, which is only a few years old, and Coin Center, a think tank formed in 2014 – a true veteran in terms of crypto. The groups were being prepared for the moment after having grown in size in recent years.

“A year ago we would have [had] about a quarter to a third of the number of organizations we work on today, ”Smith said of the cryptocurrency lobbying population in Washington.

For the tax fight, group efforts have been spurred on by powerful financial technology companies. Among them were Square, which disclosed $ 440,000 in lobbying spending in the second quarter of this year, and the massive crypto exchange Coinbase, which in April was the first major trading platform to go public and said spending $ 80,000 on outside lobbyists in the second quarter. Earlier this year, Coinbase hired former Goldman Sachs co-head of government affairs, Faryar Shirzad, to be its policy director. Shirzad also served on the White House National Security Council.

Influential investors have also joined the fight, including Andreessen Horowitz’s Marc Andreessen, Ben Horowitz, Katie Haun and Chris Dixon, who manage a $ 2.2 billion crypto venture fund.

Crypto advocates also had allies among digital rights and privacy groups, including the Electronic Frontier Foundation.

Together, the coalition found sympathetic ears on both sides of the aisle, causing headaches for the White House and the bipartisan group of senators who drafted the infrastructure bill. The authors of the legislation unexpectedly found themselves defending what was a minor part of the $ 550 billion infrastructure plan.

Lobbyists scored a clear victory by winning over Wyden, the top Senate Democrat responsible for drafting tax legislation. Wyden, who served in Congress for four decades, has long had a soft spot for emerging technologies.

His Democratic predecessor as the head of the finance committee, Max Baucus of Montana, was hired earlier this year as an advisor to the Binance digital currency exchange.

Wyden has teamed up with Toomey and Senator Cynthia Lummis (R-Wyo.) To propose an amendment to reduce tax reporting rules so they don’t capture software developers and miners. The proposal put Wyden at odds with the White House and his fellow Democrats. In response, the senses Mark Warner (D-Va.), Rob Portman (R-Ohio) and Kyrsten Sinema (D-Ariz.), In cooperation with the Biden administration, proposed an alternative amendment that would have fewer exclusions. .

Treasury Secretary Janet Yellen has personally spoken to Wyden to push back her amendment, an administration official said. She and the White House believed her language would tie the hands of the Treasury when the time came to craft regulations spelling out the details of how the rules work.

“Crypto’s success with Wyden is one of the most fascinating DC influence developments of 2021, and I think other industries will study throughout the decade,” said Jeff Hauser, who follows lobbying from companies as executive director of the Revolving Door project. .

Wyden said in a statement he had spent his career “working on the proposition that Congress needs smart technology policy responses that actually improve people’s lives.”

“When civil rights groups, tech experts and people in Oregon raised concerns that this provision could be interpreted as regulating independent developers and forcing programmers to create backdoors government officials, I took their concerns seriously, ”he said.

Toomey, who worked with Wyden on the amendment, recently revealed that he holds up to $ 30,000 worth of investments in Bitcoin and Ethereum cryptocurrencies, highlighting the growing awareness among lawmakers of a market that reached $ 2 trillion this year.

Mobilized by tweets from lawyers like Coin Center executive director Jerry Brito, who shared screenshots of not yet public legislation with his followers, the grassroots community of crypto users has flooded offices. of the Senate calls for the adoption of the Wyden-Lummis-Toomey amendment.

On Wednesday, the Kraken trading platform urged its clients in an email to “help us maintain the financial privacy and independence of crypto” by pushing for the language.

Much of the anger in the crypto world has centered on Portman, who wrote the original tax language. Brito said he was surprised by the proposal after “trying to talk to Senator Portman’s office for months on tax matters.” The pushback quickly forced Portman to respond.

“The mobilization we have seen has been incredible,” Brito said. “The cryptocurrency community has never been so united in DC.”

The deadlock on competing cryptocurrency amendments helped drag the infrastructure vote into the weekend.

For the industry, the fight will be the first in a long series to come. Policymakers in Washington are about to raise even more existential questions about how far the burgeoning digital asset market should be brought under control by the government.

For lawmakers, the episode created a new sense of urgency to catch up with a hot part of the economy that barely existed a decade ago.

“There is a great momentum that we should all understand this a lot better,” said Senator Shelley Moore Capito (RW.Va.).

Kellie Mejdrich contributed to this report.


Shirley Williams obituary (2021) – Missoula, MT



Shirley williams

Shirley Williams, 84, of Missoula died of COPD on August 4 at The Springs in Missoula. Shirley grew up on a farm in eastern South Dakota with her parents and sister Marilyn. She started school in a one-room school and graduated from Brookings High School and received a Bachelor of Science in Nursing from Montana State University / Billings Deaconess Hospital in May 1959. Two days after graduation upon graduation, she and Glen Williams were married at Billings First United Methodist Church. They celebrated their 50th wedding anniversary in 2009. Glen passed away in 2016.

Glen and Shirley were the parents of three daughters who all survive him. Lynn (Manuel) Barragan, Lisa (Gene) Stephens and Andrea (Eric) Schambion. She is also survived by three grandchildren, Melissa Blodgett, Brandon Jacobsen and Victoria Stephens as well as four great grandchildren Bo, Cheyenne, Jaden and Hudson.

Shirley has worked as a nurse in several capacities for over 35 years. She and her family have moved to Montana, Minnesota, Wisconsin, Oregon and Texas. Glen and Shirley retired to Missoula to be closer to their daughter Lisa and their grandchildren. They traveled the country in their campervan and enjoyed meeting their daughter Andrea in Europe as well as traveling with their daughter Lynn.

Quilting and volunteering at the community hospital were part of Shirley’s retirement plan. She was also a member of the Beta Sigma Phi sorority. She attended an early morning water aerobics class and enjoyed spending time with her water babies. She had an active social life at the Springs where she played bowling, cribbage, bingo, bridge and rummikub. Shirley was an excellent cook known for her breads and sweets. She loved good food and chocolate.

If you would like to remember Shirley, please do so by lending a hand to someone in need.

The family would like to thank Partners in Home Care for helping Mom in her last days.

A celebration of life will take place at the sources.

Posted by Missoulian on Aug 6, 2021.


Affiliated Mortgage nominated for Best Mortgage Lender in Black Hills 2021 | Sponsored








Technology and personalized service make Affiliated Mortgage a mortgage company of choice.


If you are in the business of serving your customers and putting them first, success becomes inevitable. It is the mantra that Affiliated mortgage lives by.

Affiliated Mortgage understands the challenges of home ownership and strives to make the mortgage process as smooth as possible. “The mortgage loan process doesn’t have to be difficult,” said Troy Trombetta, branch manager, Affiliated Mortgage. “Our role is to show each client the path to home ownership. There is nothing more rewarding for me than seeing you at the closing table and handing over the keys to your first house.

Affiliated Mortgage is the leading mortgage lender in Rapid City and its surrounding communities. The company invests in its local communities and has been recognized as the Best of the Black Hills in 2020. It offers a wide variety of residential mortgages, including conventional mortgages, adjustable rate mortgages, FHA loans, VA loans. , USDA loans, among other loan programs. They are present in various regional towns near Rapid City, South Dakota including Pierre, Sioux Falls, Brookings, Vermillion, Ellsworth Air-force Base, Box Elder, Keystone, Custer, Piedmont, Summerset, Blackhawk, Sturgis, Deadwood , Lead, Spearfish and Belle Fourche. The company also has satellite offices in Arizona and Billings, Montana.

Affiliated Mortgage is best known for its customer experience, technology, fast approvals, and kill rates. Affiliated Mortgage clients have ranked them among the top mortgage companies in Rapid City and other states.

Personalized service

Troy Trombetta is a veteran and mortgage lender who has actively helped first-time homebuyers buy their dream home and help homeowners refinance their homes. Troy was a member of the US Air Force at Ellsworth AFB in Rapid City, working as an aircraft maintainer on the B-1B bomber.

When his enlistment ended, he felt the mortgage industry was an obvious choice for him to continue doing what he loved – serving others with integrity, commitment and excellence.

Since then, Troy Trombetta has helped the company grow tremendously, and now the company has a presence in over 23 states. The increased revenue growth along the way allowed the company to reinvest in the community, customers and cutting edge technology, which significantly reduced the time between loan application and approval. And it’s paying off – Affiliated Mortgage was rated as Best of Black Hills in 2020 and is nominated as Best of Black Hills in 2021.

“We pride ourselves on the fact that we have always provided personalized service to our family of clients, helping them secure the loans that match their needs,” said Trombetta.

Technology-Based New Home Loan and Home Refinancing Process

The company’s easy-to-navigate website provides visually appealing graphics to capture the interest of customers. The website also outlines the nine steps to getting a home loan with time estimates associated with each step in the process. Through their efficient technology-based processes, potential customers can perform a Buying a house or Home refinancing quote in less than 30 minutes and pre-approved in one day, a drastic reduction in time compared to just a few years ago.

In fact, customers can take advantage of the technology by using their phones to initiate the application / pre-approval process. For customers with questions related to the house, the site offers a series of affiliated information blogs that address a myriad of issues including how to make home improvements, understanding the pros and cons of buying a renovator, navigating the puzzle of bidding wars, calculating how much you qualify for , find out if a home is right for you and prepare for moving day, among other things.

In addition, the company has recently created a Partners Privileged partner program that helps clients connect with area real estate agents, further streamlining the process.

“What always pleases me is seeing clients a year after closing and talking to them about their new home and the experiences they have had with their families.rombetta noted. “They talk about their garden, the dog they always wanted, how they painted their house the way they always wanted. Ultimately, it’s about the experience we create by helping them buy their home.

The key to a successful closure.

Click on here vote for Affiliated Mortgage as the best mortgage lender in 2021.

This content was produced by Brand Ave. Studios. News and editorial services played no role in its creation or posting. Brand Ave. Studios connects advertisers with a targeted audience through engaging content programs, from concept to production and distribution. For more information, contact [email protected]
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Cinnamon Davis-Hall: A Helping Hand and a Heart for Veterans




The Evergreen-based Northwest Montana Veterans Stand Down & Food Pantry is dedicated to reaching out to homeless, low-income and at-risk veterans and their families. The pantry also houses a thrift store and offers medical equipment and loan programs, homeless facilities and more.

With all the networking she does, the organization’s outreach coordinator, Cinnamon Davis-Hall, is arguably one of the most interconnected people in the Flathead Valley. As part of her responsibilities, she regularly attends and speaks at a wide range of meetings with various organizations, including non-profit and private organizations, veterans service organizations and businesses, especially during the holidays. She also sits on committees for the governor, homeless awareness and suicide prevention committees, and works with all the food banks and VFWs in the valley, always striving to connect people to the right resources. Its goal is to glean information that will benefit the pantry while sharing what the pantry has to offer. This fall Davis-Hall was invited to participate in the Kalispell Chamber of Commerce’s Leadership Flathead Personal and Professional Development Program.

DAVIS-HALL grew up in a family immersed in helping veterans. She never thought twice about her father and mother, Allen and Linda Erickson, who offered their couch to veterans and did not realize at the time that these veterans were in fact sans. -shelter.

In Libby in 2000, Davis-Hall’s father founded the Veterans Food Pantry and organized the first of the annual demobilization events, a military term for when combat troops can take a break from the state of constant alert and to the difficulties of the battle to enter a safe. area where they can eat, rest and receive medical care. Today’s booth is a place where veterans receive free services, medical assessments, food, clothing and supplies.

“My parents are my inspiration,” she said. “They have always been very hard workers. They’ve faced obstacles over the years, but they’re not giving up. Her father, a Navy veteran, believes veterans help veterans. “My parents remain true to the mission of the pantry.”

A FLAT HEAD A valley resident since kindergarten, Davis-Hall has been involved in the Veterans Food Pantry for almost 14 years. Prior to that, she had run bread stores and worked in merchandising and marketing. It was her management of marketing and catering at the former Tidyman’s employee-owned grocery store in Kalispell that helped cultivate the sense of joy she now brings to her pantry career.

“We were a family,” she said of Tidyman’s. “Managers told us that if we didn’t feel that we could bring happiness and joy to work on any given day, it would be best to stay home. It resonated with me. This is how life should be.

As involved in the community as she is, Davis-Hall emphasizes that her family is her main goal. Widowed in 2008, she felt she had to look after and raise her three children first. She quit her other jobs, withdrew from the nursing degree she was pursuing at the time, and was then able to become more involved in the pantry.

“I saw the need for both the pantry and the community,” she said. “Helping the veterans is like no other feeling after what they gave us. I appreciate what they have done for us.

And it wasn’t just Davis-Hall who stepped up to help his parents help the veterans community. The entire Erickson family is involved in Allen and Linda’s efforts. Her six siblings (her older sister is called Ginger), nieces, nephews, aunts and uncles, grandchildren and great-grandchildren all converge on Libby’s departures to help. Every year, at least 23 family members are there to help out.

FAMILY also has boots on the ground at Camp Ponderosa. Over the past two years, they have renovated the old 79-acre correctional facility in the Seeley-Swan Valley into a veterans retreat and learning center, with the goal of creating a stylish setting. family. Religious groups and veterans also contributed to the long-term project.

As busy as Davis-Hall is, she says her biggest challenge is trying to find that daily balance between her family and work life. With two teenagers at home, she says there just aren’t enough hours in the day. She is also a certified nurse aide at Brendan House, a Scout volunteer, a member of the Evergreen Lions Club, and sells Norwex cleaning products in her spare time.

But all of the successes she’s witnessed through the Veterans Pantry keep her going.

“Sometimes listening is all someone needs,” she said. “If they are a problem, I will help them find a solution. Sometimes they already know the solution. I’m here to let them know someone cares. To get them to stop living in a state of mind of flight or fear, to get them to rationalize, to get them out of trauma.

“About six years ago someone came to see me. I was able to help him leave the state so that he could reconnect with his family, ”she recalls. “A few years later, he came back to visit us. He was happy and had the love of life again. Watching a veteran or his family grow up and come out of the situation they found themselves in is what is most rewarding. Just see them smile again.

LEARN MORE:

The 2021 Northwest Montana Veterans Stand Down will take place on Saturday and Sunday October 9 and 10 at the Libby Armory. Watch the Daily Inter Lake for details to come, log on to www.veteransfoodpantry.org or contact Davis-Hall at 406-250-2394.

Community Editor-in-Chief Carol Marino can be reached at 758-4440 or [email protected]


Gianforte provides update on Montana fire to US House committee



On Thursday, Montana Gov. Greg Gianforte provided an update on wildfires at a US House of Representatives Committee on Wildfire Forum on Wildfire Prevention on Thursday. forest disasters and restoring forest health and resilience ”.

“As we meet this morning, Montana currently has 18 large-scale fires burning in our landscape right now,” Governor Gianforte said. “This year alone, we’ve seen over 1,500 wildfires burn over 200,000 acres in Montana and it wasn’t until July. This month alone, we have had over 500 new wildfire starts.

Gianforte continued his presentation.

“These wildfires threaten the safety of our communities, our first responders, devastate our local economies and have already cost Montana taxpayers more than $ 8 million in this exercise, which began just 22 days ago,” did he declare. “I have said for a long time that Montana is facing a forest health crisis and that this problem is one of my top priorities.”

Gianforte said there are millions of acres of forest land in Montana facing the threat of wildfires.

“The recent review of our Montana Forest Action Plan identifies over 9 million acres of forest land with significant forest health issues and a high risk of wildfire,” he said. . “Of those 9 million acres, we found almost 4 million acres of forest land that would benefit the most from transboundary forest management. “

Gianforte proposes that the Montana DNRC manages more forest land for fire protection.

“Given the need to actively manage our forest, I have tasked the Montana Department of Natural Resources and Conservation to double the acres they treat this year compared to last year. Last year the department treated only 11,000 acres. It’s like emptying the ocean with a teaspoon. This year we are aiming for over 25,000 acres. It is certainly correct direction, but it is only a starting point.

Montana Congressman Matt Rosendale introduced Gianforte to the committee ahead of his presentation.

Here are 50 of your favorite chain stores that no longer exist.


LightStream Pledges to Join World Economic Forum’s Trillion Tree Movement, Planting 1 Million Trees in America’s Forests by 2022 | State / Regional



CHARLOTTE, North Carolina, July 21, 2021 / PRNewswire / – LightStream today announced its commitment to grow one million trees by 2022 in partnership with American Forests. The promise was made to the US section of 1t.org, an initiative co-led by American Forests and the World Economic Forum, in support of the global effort to conserve, restore and grow 1,000 billion trees around the world by 2030.

“The 1t.org The US Chapter is delighted to receive LightStream’s commitment to grow 1 million trees by 2022, in partnership with American Forests, ”said Justin adams, Director of Nature-Based Solutions, World Economic Forum, “It’s wonderful to see LightStreamthe ambitious commitment of and hopes it will inspire other companies to join the global movement to accelerate nature-based solutions and invest in our forests. “

LightStream has partnered with American Forests on forest restoration initiatives since the company’s launch in 2013. Every time LightStream funds a loan, it donates to American Forests to plant a tree on behalf of the client.

“It has been said that ‘we don’t inherit the land from our ancestors, we borrow it from our children,'” said Kristin Shuff, senior vice president of LightStream. “And when we borrow, whether it’s taking out a loan to achieve a goal or tapping into the beautiful but fragile natural resources of our planet, we have an obligation to repay our debt. LightStream understands the importance of borrowing responsibly, both financially and environmentally. It’s part of our duty to future generations, and we believe it’s also one of the things that made us the nation’s leading online consumer lender. “

Through its partnership with American Forests, LightStream has developed its reforestation efforts from a single post-wildlife recovery project in Montana to various restoration projects in several cities and states across United States. As part of their commitment to 1t.org The US chapter, LightStream will leverage climate-smart reforestation and management techniques provided by American Forests, including:

  • Plant genetically diverse collections of native species
  • Plant trees more apt to thrive in future climatic conditions
  • Screening seedlings for disease resistance
  • Space seedlings to mimic natural tree regrowth after a forest fire and reduce the risk of future fires.
  • Plant seedlings in plastic shelter tubes which greatly increase plant survival in drought prone areas

“The climate crisis is not slowing down, but luckily those of us are also not committed to forests as natural climate solutions,” said Jad daley, President and CEO of American Forests. “With this commitment, LightStream will accelerate its reforestation efforts, using the latest climate-conscious forest management guidelines from American Forests. We are very pleased to welcome them to the 1t.org team.”

Shuff continues, “Our partnership with American Forests aligns with the culture and purpose of LightStream. It reflects our commitment to reforest America’s wild and wildlife areas, while now expanding to support the World Economic Forum’s Trillion Tree movement to restore the health and well-being of the planet for all.

About American Forests

American Forests is the first national non-profit conservation organization established in the United States. Since its founding in 1875, the organization has been at the forefront of the forest conservation movement. Its mission is to create healthy and resilient forests, from cities to wilderness, that provide essential benefits for climate, people, water and wildlife. The organization advances its mission through forestry innovation, local partnerships to plant and restore forests, and movement building.

The LightStream / American Forests partnership began as a way to celebrate LightStream’s paperless lending process. Over the years, it has grown into an eco-movement that goes beyond tree planting and preservation activities. LightStream also supports American Forests’ education and research efforts to raise awareness and educate people about the value of trees. You can find more information about the partnership between American Forests and LightStream at AmericanForests.org.

About the World Economic Forum

The World Economic Forum, committed to improving the state of the world, is the International Organization for Public-Private Cooperation. The Forum engages society’s key political, business and other leaders in shaping global, regional and industry agendas.

About LightStream

LightStream is a national online lending division of SunTrust l Now Truist. Through a simple online process, LightStream provides unsecured loans up to $ 100,000 to good credit customers for virtually any purpose. Funds with very competitive interest rates can be provided from the same day an application is submitted and free of charge. (Click on here for more information on Same Day Funding) Funding is available in all 50 states, plus Washington DC and Puerto Rico. Visit LightStream.com for more information.

About Truist

Truist Financial Corporation is a purpose-built financial services company committed to inspiring and building better lives and communities. Formed by the historic merger of BB&T and SunTrust equals, Truist has a leading market share in many high growth markets across the country. The company offers a wide range of services, including retail, small business and corporate banking; asset Management; capital markets; commercial real estate; corporate and institutional banking; Insurance; mortgage; Payments; specialized loans; and wealth management. Based at Charlotte, North Carolina, Truist is one of the top 10 U.S. commercial banks with total assets of $ 522 billion from June 30, 2021. Truist Bank, FDIC member. Learn more about Truist.com.

View original content to download multimedia:https://www.prnewswire.com/news-releases/lightstream-announces-pledge-to-join-the-world-economic-forums-trillion-tree-movement-planting-1-million-trees-with-american- forests-by-2022-301338039.html

SOURCE Truist Financial Corporation


Anthony Assi joins NMB to launch FasterFi, a new digital lending platform



“I am thrilled to join the NMB team in making FasterFi the go-to digital lending platform for consumers looking for transparency, speed and a reward for their financial diligence. ” Anthony states,FasterFi offers those looking to secure real estate financing online a solution that doesn’t get bogged down by old industry conventions or outdated technology. “

Antoine Assi is recognized in the digital mortgage industry as a first originator and thought leader. With a focus on technology-driven lending and over 12 years of mortgage banking experience; Assi brings a new approach to service for the modern consumer. Thanks to its efforts, Assi not only ranked among the country’s top loan originators by volume, it also ranked 8th in the Scotsman Guide’s 2021 US Refinancing Production Volume Report. While hitting record numbers just a year ago, Anthony and NMB have even bigger plans for the future with FasterFi.

“Anthony funded over five hundred sixty million dollars in volume of loans in 2020 with average loans closed in less than two weeks ”, declares NMB CPO, Robert jayne, “He has the energy and skills to make a successful launch and beyond. FasterFi exists to enable qualified consumers to return home financially. With Anthony on the team, we know borrowers who take advantage of all that FasterFi has to offer will love their experience. “

About FasterFi and NMB

FasterFi is a technology-driven, consumer-driven lending platform that empowers qualified buyers to get the best rates through a streamlined online experience. Its mission is to be the premier online resource for mortgages, credit, and financial wellness. FasterFi is backed by Nationwide Mortgage Bankers “NMB”, America’s fastest growing mortgage company.

NMB was born with the vision of demystifying mortgages through transparency, education and customer support. Their mission is to be the trusted advisers of our clients and benchmark partners, guiding them throughout the real estate financing process with the highest level of service and professionalism.

FasterFi (Fasterfi.com) is a registered DBA of Nationwide Mortgage Bankers, Inc 68 S Service Rd Suite 400, Melville, New York State 11747 (“NMB”). NMB is in no way affiliated with the “National Mutual Insurance Company”. NMB is registered with the National Mortgage Licensing System NMLS # 819382. HUD Approved Title II Supervised Lender # 3113200005. Nationwide does not act on behalf of or under the direction of HUD / FHA or the federal government. All loans are subject to credit approval and appraisal. The program, prices, terms and conditions are subject to change without notice. This is not a loan commitment.

FasterFi (Fasterfi.com) is an approved dba of Nationwide Mortgage Bankers, Inc. only in the following states: Alabama/Colorado/Connecticut/Delaware/District of Colombia/ Florida /Georgia/Illinois/Kansas/Kentucky/Minnesota/Mississippi/Montana/New Hampshire/New Mexico/North Carolina/Ohio/Oregon/Pennsylvania/Caroline from the south/South Dakota/Texas/Wisconsin.

Contact:
Nationwide Mortgage Bankers
Jarrett stanley
Executive Vice President, Marketing
757-646-7613
[email protected]

SOURCE Nationwide Mortgage Bankers (NMB)


Binance USD Exceeds Market Cap by $ 11 Billion, As Binance CEO Pledges To Work With Authorities To Ensure Compliance




Binance USD, a major stablecoin issued by the crypto exchange Binance, hit its market cap of $ 10 billion and entered the top 10 in digital currency rankings, the company confirmed in a blog post on July 15, 2021.

Binance USD has already passed $ 11 billion in market cap at the time of writing, according to data from CoinMarketCap.

The Binance team is happy to confirm that BUSD is now ranked 3rd among stablecoins in terms of market capitalization. In less than 2 years since its launch, BUSD has grown into “one of the fastest growing cryptocurrencies while offering a variety of utilities, from trading to lending and paying”.

Binance also explains that BUSD is “a secure and compliant 1: 1 USD-backed stablecoin issued by Paxos and approved by the New York State Department of Financial Services (NYDFS). “

While commenting on some of the “advantages” of the Binance ecosystem (which include a “diverse” portfolio of crypto products and services as well as some of the lowest trading fees in the industry), the exchange says it has played a ” crucial role in BUSD’s initial breakthrough, which resulted in an increase in market capitalization from $ 30 million at the start of 2020 to $ 1 billion at the end of 2020. “

Binance further reveals:

“Users chose BUSD for a combination of reasons, including stablecoin’s strict compliance standards, a wide range of use cases, and support for a diverse set of yield products. Market cap grew from $ 1 billion to $ 10 billion in less than six months, making BUSD the second-largest asset in terms of market capitalization on Binance Smart Chain (BSC), as well as the number one in terms of locked-in value. total (TVL). ”

Binance further reveals that BUSD was the ‘most used stablecoin on BSC’. The company added that BUSD had managed to achieve this growth “in record time, exceeding the efforts of competitors by 100 days.”

While sharing some key BUSD milestones, Binance noted:

  • July 15, 2019. Launch of BUSD (first batch issued)
  • March 10, 2020. Market capitalization milestone 100M
  • August 6, 2020. Listed on NYDFS Approved Green List
  • January 1, 2021. $ 1 billion market capitalization milestone
  • June 28, 2021. Market capitalization milestone of $ 10 billion

(Note: For more details on this update from Binance, click here.)

Binance CEO Chengpeng Zhao recently shared a letter reflecting on the company’s progress and their way forward.

Chengpeng Zhao or CZ writes that when Binance was launched about 4 years ago, the crypto industry was “still in its infancy – with few early adopters and no clear standards.”

He adds that in a relatively short period of time, the crypto space has “drastically grown and evolved: there are now more crypto offerings, an increasing number of first-time crypto users, and many more. attention and debate on how the crypto industry should advance. “

He added:

“Given the recent hyper-emphasis on regulation when it comes to Binance, I would like to take this opportunity to share our history and principles, clarify our position and commitment, and present our approach and plans in this area. regulation and sustainable development of the crypto industry in the future.

Before clear guidelines existed for the industry, CZ says Binance has always stood “at the highest level to put the best interests of our users first – a goal we share with regulators around the world.”

He continued:

“We have requirements for the use of our platform and established industry standards: strict policies on insider trading (no active trading of an asset within 30 days), a fund Emergency Secured Asset (SAFU) to protect user assets and stringent listing standards and a firewall to separate the SEO team.

He confirmed :

“We also invested early in educational resources through tutorials and Binance Academy to help users from all walks of life make informed decisions about crypto. For higher risk products, we set limits and protections to encourage responsible trade. “

CZ further states:

“We are also protecting our users through our work with law enforcement agencies such as the US Internal Revenue Service (IRS), the South East UK Regional Organized Crime Unit. Uni and many others to fight cybercrimes such as money laundering, terrorist financing and scams. . “

He reveals that this year, they have “already responded to 5,600 inquiries, that is 100% more than those of 2020”. Recently, Binance supported “the dismantling of a prolific network of cybercriminals responsible for laundering more than $ 500 million in damage caused by dark web operations and large-scale cyber attacks,” CZ claims.

He adds:

“I think the many decisions we have taken to protect the interests of users are the reason they chose to be part of Binance, which has helped us grow rapidly over the past four years.”

He continued:

“Four years later, we are seeing wider adoption of cryptocurrencies globally and the need for clearer regulatory frameworks in different countries. More regulations are, in fact, positive signs that an industry is maturing, as it lays the groundwork for a wider population to feel secure in participating in crypto.

CZ added that he believes a “well-developed long-term legal and regulatory framework will be a solid foundation that will truly make crypto essential in everyone’s daily life.”

The Binance CEO added that “clarifying and developing the first set of standards is essential for the continued growth of the industry” and that the company “wants to be a positive contributor.”

He also mentioned:

“As I said at the end of 2020, compliance is a journey – especially in new industries like crypto. The industry still has a lot of uncertainty. We also recognize that with growth comes more complexity and more. of responsibility. “

He acknowledged that as a 4-year-old startup, Binance still has “a lot of room for improvement.” Binance has “grown very quickly and we haven’t always understood everything, but we are learning and improving every day,” he confirmed.

CZ further noted that they now hope to “clarify and reiterate our commitment to work with regulators, and that we are proactively recruiting more talent, putting more systems and processes in place to protect our users.”

He shared what he believes are “tangible steps” that they are currently taking and will continue to take:

“Grow our international compliance team: We have increased our international compliance team and our advisory board by 500% since last year. Notable appointments include former FATF Executive Secretary Rick mcdonell and former head of the Canadian delegation to the FATF Josée Nadeau as compliance and regulatory advisors, as well as Max Baucus, former US Senator from Montana and US Ambassador to China, to provide high level advice – these are the first of many high level additions to our team. We plan to double the size of our team by the end of the year, with qualified and experienced advisers to support us.

He further revealed that Binance was further expanding its ‘robust’ compliance partnerships: “We have implemented new supervisory and regulatory technologies with partners such as CipherTrace to instill additional protections in our users.

He further asserts that they have now “authorized several external anti-money laundering (AML) audits – a strong validation of our current AML controls and partnerships.”

He added:

“Localize our operations and activities to comply with local regulations: We are committed to complying with appropriate local rules wherever we operate. In four years, we have gone from a startup to what we are today.

He precised :

“Binance.com is not available to US users, while there is a brand partnership with Binance.US, which is a fully independent entity that is a compliant and regulated exchange in the United States, to provide users Americans a safe, secure and compliant trading platform.

The CEO of Binance concluded:

“Our vision is to increase freedom and inclusion for a better society. We strongly believe that our industry will benefit people all over the world, through the creation of inclusive financial opportunities and the freedom of money. “



The best stories of the week: July 10-16, 2021




Artificial intelligence will allow personalized, proactive and smarter care: society is entering the era of artificial intelligence. Important players from all industries are implementing narrow artificial intelligence (NAI) to improve their business processes. As a result, no part of the global insurance business model will be spared. Most insurance product lines will need to be redesigned to reflect the new risks arising from the adoption and deployment of the NAI.

Read the article >>

Exceptional drought conditions increase the risk of forest fires in the western United States and Canada: fire activity increased significantly in the west in June. Most of the fires occurred in the southwest, Colorado, Utah and Montana through mid-June, coinciding with the area of ​​the most extreme drought. New and large fires have been reported in California and Oregon as record heat sets in in the Pacific Northwest.

Read the article >>

Forecast for the tropical season 2021:

  • Atlantic Active Planned: Across all forecasting entities spanning academia, government, and the private sector, there is unanimous consent for the Atlantic hurricane season 2021 to include storms, hurricanes, major hurricanes, and days of storms named medium to above average.
  • Factors behind the active forecast for the Atlantic include above average sea surface temperatures in the Atlantic and Western Pacific regions, as well as an expected transition from La Niña to ENSO conditions. neutral.
  • Ramifications for Atlantic Basin Landings: The relationship between hurricane landings and basin activity varies considerably from year to year and is highly dependent on direction currents. Weather forecasting for any event usually loses its competence beyond a 7-10 day lead time.
  • Western Pacific Typhoon Expectations: Thanks to the Guy Carpenter Asia-Pacific Climate Impact Center’s relationship with the City University of Hong Kong, the 2021 Western Pacific forecast indicates above-average activity. However, the number of landings in the region varies, with above average activity most likely for southern mainland China and Vietnam.

Read the article >>

Video, Dean Klisura, Chairman, Guy Carpenter, On the Reinsurance Landscape: Guy Carpenter Chairman Dean Klisura speaks with the insurer on a wide range of topics that include the changing nature of risk, claims for excess losses related to COVID-19 arena, broker consolidation and the race for talent, public-private structures for systemic cybersecurity, future pandemic (re) insurance solutions and the rebirth of related titles to insurance.

Watch the video >>

Beyond Investments – The Role of Commercial Underwriting in Climate Transition: The financial services sector is an accelerator in the transition to net zero goals, for example, by focusing on investor investment portfolios institutional and bank loans. Progress includes 95% European bank loans with net zero ambition aligned with the Paris Agreement. Some 70 percent of European equities traded are managed by asset managers with net zero ambition.

Read the article >>

And, you might have missed….

Video; Peter Hearn – Navigating the Changing Nature of Risk – Opportunities and Reinsurance Support: Peter Hearn, CEO of Guy Carpenter, speaks with Asia Insurance Review about the impact the changing risk landscape will have on the insurance industry – how the sector should react to these changes – and how reinsurance can support these new opportunities. Reinsurance supports insurance companies in many dimensions – it is a flexible capital tool, it supports growth and it manages volatility.

Watch the video >>

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Biden signs bill to tackle predatory lending




In recent years, consumer credit protections have withered due to a series of harsh attacks that have either outright dismissed or significantly reduced financial safeguards in the market. But yet another victory for consumers, spurred on by a wave of support from ordinary citizens, academics and bicameral lawmakers, signals an important step towards fair financial rules.

The June 30 signing of President Joe Biden ended a misguided rule that favored predatory lending over American consumers.

“These are ‘rent-a-bank’ programs,” Biden said at the June 30 signing ceremony. “And they allow lenders to prey on veterans, seniors and other unsuspecting borrowers, trapping them in a cycle of debt. And the last administration let it happen, but we won’t.

Days earlier, on June 24, a bipartisan 218-208 vote in the United States House of Representatives sent a key change to financial rules to the president’s desk. A few weeks earlier, the Senate had passed the same bill with a bipartisan vote. Using the authority of the Congressional Review Act, the votes sought to eliminate a recently passed bylaw. In this case, the goal was to reject the Office of the Comptroller of the Currency’s (OCC) “real lender” rule issued at the end of the Trump administration.

As the seat of government of the nation, Capitol Hill is a place where a range of interests vie for both attention and influence. Public interest organizations with limited budgets but principled can often find themselves disadvantaged by entrenched interests.

That’s why it’s important to recognize and celebrate overcoming obstacles to forge changes that translate into real benefits for ordinary people and small businesses. Especially for black America and other communities of color, strong steps towards ending the billion dollar financial abuse deserve special attention. Historically, we have already paid the price for predatory greed.

“Eliminating this damaging OCC rule will prevent more people from being exposed to high interest loans that plunge borrowers into debt and despair,” said Graciela Aponte-Diaz, director of federal campaigns at the Center for Responsible Lending (CRL). “Removing the rule will curb the spread of predatory loans that target blacks, Latinxes and low-income people – many of whom are struggling with the economic downturn. This action will allow states to protect their residents by enforcing their national interest rate laws. ”

As noted earlier in this column, the OCC’s “real lender” rule has given the green light to predatory lenders. By effectively overturning a series of state laws enacted in nearly every state to prevent abusive payday loans, car titles, and installment loans with explosive interest rates of over 100%, the rule came into being. effective end of December 2020. lenders paid fees to banks for using their name and charter to evade state interest rate laws by asking the bank to be exempt of these laws for itself.

Consumer advocates have called the rule change the “bogus lender” rule because the real lender is the predatory non-bank lender – not a bank.

Reactions to the success of the consumer challenge quickly followed. One of the first public comments came in the form of a joint statement from two key US senators.

“Repealing Trump’s ‘Rent-a-Bank’ rule will help prevent predatory lenders from scamming consumers and charging deceptive loan rates,” noted Senator Chris Van Hollen of Maryland, Member of the US Senate Committee on Banking., Housing and Urban Affairs and resolution co-sponsor.

“The OCC, when it allowed banks to evade state interest rate caps, betrayed working families and attacked states’ ability to protect their citizens from predatory loans,” added Senator Sherrod Brown of Ohio, chairman of the committee. “Congress has shown the people we serve that we are on their side. ”

For California MP Maxine Waters, chair of the House Financial Services Committee, the resolution rids the nation of financial garbage.

The Trump-era ‘True Lender’ rule is a backdoor for non-banks to charge triple-digit interest rates on loans at the expense of consumers in states where voters have passed laws on loans. the interest rate cap, ”Waters said. “No wonder some call it the ‘bogus lender’ rule. “

The extent of the financial harm resulting from this ill-advised rule has been documented by the National Consumer Law Center (NCLC), a member of a diverse coalition that has advocated repeal.

According to the NCLC, predatory small business lenders are using the bogus lender rule to defend an annual percentage rate (APR) of 268% on loans totaling $ 67,000 to a black restaurant owner in New York City, where the rate d Criminal usury is 25%, and secured by property in New Jersey, where the legal limit is 30%. The lender claimed that a Nevada-based bank’s nominal stake justified its astronomical rate. Nevada has no interest limit on loans.

In another example, OppLoans (also known as OppFi), an online lender, offers 160% APR loans in 26 states that ban triple-digit rate lending. This lender also cited the OCC’s bogus lender rule to defend its loan to a disabled veteran in California, where the usury rate on the loan is 24%. OppLoans is also evading state rate cap laws backed by a large majority of voters in Arizona, Montana, Nebraska and South Dakota. Even in states where legislatures have passed rate caps, the bogus lender rule would have essentially nullified those rate cap protections.

For consumer advocates and their partners in the civil rights, faith and veterans communities, revoking the bogus lender rule is a step toward a national loan rate cap of no more than 36%.

Years ago, the bipartisan enactment of the Military Loans Act granted double-digit rate cap protections to men and women in uniform. It is time for all of America to have the same financial protection.

Charlene Crowell is a senior member of the Center for Responsible Lending.



Biden rallies support for $ 3.5 billion budget deal as Democrats seek unity on agenda | Politics




President Joe Biden and the Senate Principal Democrats have agreed to a sweeping $ 3.5 trillion budget proposal that will allow the party to pass much of the president’s platform without GOP support, but they now face to their biggest order yet: keep all Democrats united to pass it.

Senate Majority Leader Chuck Schumer of New York, Budget Committee Chairman Bernie Sanders of Vermont and other senators announced the deal and the top number on Tuesday night and released a long list of priorities on Wednesday. . To help sell the effort to the larger caucus, Biden visited Capitol Hill and presented the plan at the Senate Democrats’ lunch. All praised the president but the party is far from a commitment of support on the part of the 50 senators.

The budget proposal is designed to address essential elements of Biden’s massive economic plan that Democrats have dubbed “human infrastructure” since the more traditional parts are covered by a separate bipartisan bill. Some of the components include expanded Medicare benefits such as dental and vision care, a range of climate and clean energy proposals, immigration reform, union protections and universal preschool, child care and community colleges.

Political cartoons

But the details are still fluid and vague. For now, the proposal does not include lowering the Medicare age of eligibility, and the scope of any immigration reform – such as providing a path to citizenship – is unclear. On top of that, Democrats will need to appease the more progressive and moderate factions in their party to move forward while simultaneously working to pass a separate bipartisan infrastructure bill with Republicans backing.

“This budget resolution will allow us to pass the most important legislation to expand support and help American families since the New Deal,” Schumer said Wednesday morning. “Now we know there will be a long way to go. There are obstacles along the way. This is only the first step in a long road that we will have to travel… but we will get there.”

Sanders and Schumer each made it known on Wednesday that they were confident they could potentially lock in 50 votes on the legislation, even with a complicated and uncertain path to achieving steadfast unity.

The budget resolution will be used as a vehicle to pass legislation over the next few months through the budget reconciliation process, which lowers the threshold from 60 to 51 votes to move bills through the Senate and break an obstruction. Since Democrats have tight control over a 50-50 split Senate, reconciliation allows them to pass legislation without any GOP support – as long as all of their members are on board with zero defections and the Vice President Kamala Harris votes in her. role of President of the Senate.

After the meeting with Biden, Senate Democrats were all very positive about his presentation of the budget proposal. But in the absence of more details, some are reluctant to provide immediate support.

Moderates like West Virginia Senator Joe Manchin, Arizona Senator Kyrsten Sinema and Montana Senator Jon Tester are pushing for the eventual reconciliation bill to be fully funded, though details on the mechanisms funding are still being developed. Democrats are considering funding their plan through tax increases on wealthy Americans and businesses, a proposal Biden has campaigned on but which is likely to meet some skepticism from centrist lawmakers.

So far Progressives on the Hill have praised the budget deal even though it did not hit the $ 6 trillion price tag originally offered by Sanders and other senators further to the left.

“He has touched on almost every issue that progressives and the working class deem important. In some cases, he does not provide all the funding that I would like to do right now,” Sanders told reporters on Capitol Hill. “But given that we have 50 members and compromises have to be made, I think that’s very, very important.”

The budget resolution – and the next reconciliation bill – is far from frozen. Certain provisions, such as immigration reform, will be left to the whims of the Senate parliamentarian who will determine whether he adopts the so-called Byrd rule, which prohibits the inclusion of “extravagant” measures unrelated to the budget or those that would increase the deficit beyond a 10-year window.

Additionally, the House, which also holds a slim Democratic majority with a large caucus, could also choose to amend it whenever it comes to the lower house.

“The House is an independent body. They’ll go where they want, and they might want to go with more funding, and if they do, I would be very supportive of that,” Sanders said.

Republicans categorically reject the Democrats’ budget proposal that seeks to address priorities that have no GOP support. The dual track of passing both sides of Biden’s employment plan has rubbed some Republicans the wrong way, especially as they want to focus on the nearly $ 1,000 billion bipartisan bill that will rebuild the roads, bridges and ports of the country.

The GOP opposes another significant increase in spending after Democrats adopted additional coronavirus relief earlier this year, citing fears of a swelling deficit. But Schumer argued that the GOP is hypocritical about the prospect of a growing deficit after Republicans passed their tax cut law in 2017.

South Dakota Senate Minority Whip John Thune argued that the Democrats’ latest proposal “muddies the picture” and speculated that the reconciliation bill “makes it harder, not easier, the adoption of the infrastructure bill ”negotiated by the two parties and the White House.

But GOP Senator Bill Cassidy of Louisiana rejected the premise that Republicans who negotiated the bipartisan infrastructure bill would vote against it simply because Democrats are also pushing to pass a separate reconciliation bill without them. Because bipartisan legislation will go through a regular order in the Senate, the bill will need 60 votes to overcome an obstruction, which means at least 10 GOP senators will support it.

“It’s unrelated,” Cassidy said of the Democrats’ budget deal and the bipartisan infrastructure framework. “They are not related.”



When do things you find in parking lots become fair play?




Are things still a fair game? When do they go from lost and found to the trash… or… someone else’s treasure?

Say you walked out of work and this tool was sitting in the parking lot? It’s right there on the sidewalk like in the photo. Is it a fair game? Do you catch it?

I ask because I had a conversation with a friend about this. He found this tool just sitting there in the parking lot. He said he assumed he had just fallen out of someone’s car or the back of their truck and they left without.

Just to be sure, he told himself, I’ll leave him there, and if he’s still there in the morning, the owner will probably never be found for him.

Is there a time frame to leave something before it becomes fair play?

There are several reasons why I agree with my friend to grab this tool:

  1. It is a cheap tool. It’s not like a phone or someone’s wallet. If you find something expensive like this, you MUST give it to someone if you find it. But this tool couldn’t have cost even $ 5.
  2. He waited. If that person had realized in the past 12 hours that they had lost this tool and really needed it, they could have retraced their steps and found it there at least 12 hours later. They didn’t come back for that.
  3. Something like this could puncture a tire or break a window if it fell into the wrong hands. By picking it up from the parking lot, he could have saved another car owner from a headache.

Here’s why there might be an argument he should have left it or returned it:

  1. It wasn’t his. No matter how much it cost, it belonged to someone else. They paid for it. He did not do it.

This is pretty much the only reason I see for leaving it or returning it.

Is this a case of find keepers – mourners for losers? Or should my friend have done something else with this tool?

WATCH: Here are 25 ways to start saving money today

These tips for saving money, whether it’s finding discounts or just changing your day-to-day habits, can come in handy whether you have a specific savings goal or want to save money. money set aside for retirement or just want to withdraw a few cents. It’s never too late to be more financially savvy. Read on to find out more about how you can start saving right now. [From: 25 ways you could be saving money today]

WATCH: This is the richest city in every state

Just saying the names of these towns immediately conjures up images of grand mansions, fancy cars, and fancy restaurants. Read on to see which city in your home state received the title of richest location and which place had the highest median income in the country. Who knows, your hometown might even be on this list.

The 100 Best Places to Live on the East Coast



Caravan helps homeless people in Missoula




MISSOULA – You may have seen a parade of motorcycles going down Broadway in Missoula.

The caravan, organized by a cheerleader, spent Friday morning lending a hand to those experiencing homelessness.

Leather jackets, motorcycles, a cheerleader with pom poms seem like an unlikely gathering, but that’s exactly what happened in downtown Missoula.

When Ava Gainan put on her bow of cheer, she did more than touch a toe – she started touching lives.

MTN News

She noticed the need to serve the homeless population of Missoula, so the Montana native decided to make an impact by putting together hygiene bags.

Each bag is filled with biodegradable dental floss, shampoo, shower gel, toothbrushes and other treats.

“Basically our mission is to brighten up the world in a way that people are happy and not gloomy and sad,” Ava said.

“I wanted to help them and give them back by giving them hygiene bags with water, that way they could stay healthy,” she told MTN News.

Cheer Project

MTN News

Ava saw a need in her own community after seeing a nationwide joy-based organization called Project Cheer Up.

So, she partnered with Missoula’s Bikers Against Bullies (BAB) to distribute the bags outside the Missoula County courthouse.

Ava’s mother, Misti – who is also the president of Montana Project Cheer Up – helped Ava with the project.

Misti used her stimulus check to provide the funds to purchase the hygiene products in the bags.

Cheer Project

MTN News

“When we got the raise money I didn’t want to get anything for myself. Eva and I went looking for stuff like the Dollar Store and we met the Bikers Against Bullies and went in that direction,” Misti said. .

“I didn’t need the money, someone else could use it.”



President Biden signs bipartisan bill to curb predatory lending – Los Angeles Sentinel | Los Angeles Sentry




Shirley Crouwel (Photo provided)

In recent years, consumer credit protection has waned due to a series of harsh attacks that completely dismantle or significantly reduce financial safeguards in the market. But the new victories for consumers thanks to the growing support of ordinary citizens, academics and bicameral lawmakers represent an important step towards fair financial rules.

The June 30 signing of President Joe Biden ended the inappropriate rule of backing predatory lending rather than American consumers.

“These are so-called bank rental programs,” he said. President Joe Biden At the signing ceremony on June 30. “And they allow lenders to profit from the use of veterans, the elderly and other unprotected borrowers – trapping them in a cycle of debt, and the latest administration caused it. Yes, but we don’t. “

Days before June 24, a bipartisan 218-208 vote in the United States House of Representatives sent major changes to the financial rules to the president’s desk. Just a few weeks ago, the Senate passed the same bill in a bipartisan vote. The vote aimed to eliminate recently passed regulations using the power of the Parliamentary Tests Act. The goal in this case was to publish the Office of the Comptroller of the Currency’s (OCC) “bogus lender” rule later in the Trump administration.

As the seat of government of the country, Capitol Hill is a place where many interests vie for both attention and influence. Low budget but principled public service organizations can often be disadvantaged by the benefits of deep pockets.

This is why it is important to recognize and celebrate by overcoming the accumulated obstacles and making a difference, which will bring real benefits to ordinary people and small businesses. Especially for African Americans and other communities of color, a solid step towards ending the billion dollar financial abuse is particularly noteworthy. Historically, we have been struck by predatory greed before.

“By eliminating this harmful OCC rule, we can prevent more people from being exposed to high interest loans and borrowers from getting into debt and despair,” said the director of the Responsible Lending Center (CRL) of the federal campaign. Said. Glaciera Aponte-Dias.. “By breaking the rules, we can curb the expansion of predatory lending to blacks, Latinos and low-income people, many of whom are suffering from a recession. This measure puts the state within the state. Residents can be protected by enforcing the law on interest rates. “

As noted earlier in this column, the OCC’s “real lender” rules have given the green light to predatory lenders. Effectively invalidates a set of state laws in almost all states enacted in late December 2020 to prevent fraudulent payments, car ownership, and installment loans with explosive interest rates above 100% rate law interest by claiming that the bank is exempt from the state interest rate law.

Consumer advocates have called the rule a “bogus lender” because the real lenders are predatory non-bank lenders, not banks.

The response to the challenges of successful consumers continued rapidly. One of the first public comments was made in the form of a joint statement by two top US senators.

“Breaking Trump’s bank borrowing rule helps prevent predatory lenders from robbing consumers and charging loan sharks on deceptive terms,” he said. Maryland Senator Chris Van Hollen, he is a member of the US Senate Committee on Banking, Housing and Urban Issues and co-sponsored the resolution.

“When the OCC allowed banks to bypass state interest rate caps, it betrayed working families and attacked the state’s ability to protect its citizens from predatory loans,” he said. -he adds. Commission Chair Senator Sherrod Brown Ohio “Parliament has shown those we serve that we are on their side. “

For Maxine Waters, president of the California state legislature and the House Financial Services Commission, the resolution eliminates the country’s financial waste.

“The Trump-era ‘real lender’ rule is a back door for non-banks to charge triple-digit interest rates on loans at the expense of consumers in the state that passed the law. the cap on interest rates. “. Waters ..” It’s no wonder some people call this the ‘bogus lender’ rule. “

The amount of financial damage caused by reckless rules is documented by the National Consumer Law Center (NCLC), a member of various abolition coalitions.

According to the NCLC, Small Business Predatory Lenders Use Bogus Lender Rules Defend an Annual Rate (APR) of 268% on a total loan of $ 67,000 to black restaurant owners in New York City with a 25% criminal usury rate, guaranteed by New Jersey real estate limit 30%. The lenders claimed that the nominal stake of the Nevada-based banks justified their astronomical rate. There is no interest rate limit on Nevada loans.

In another example, online lender OppLoans (also known as OppFi) has an APR loan of 160%. 26 States Prohibits loans at 3-digit interest rates. I also have this lender Quote OCC False Creditors Rules To Protect Disabled Veteran Loan In California, the usury rate for loans is 24%. OppLoans is also bypassing state tariffs backed by the majority of voters in Arizona, Montana, Nebraska and South Dakota. Even in states where the legislature has set rate caps, lender’s bogus rules would have essentially negated their rate cap protection.

For consumer advocates, as well as civil rights, faith and veterans community partners, revoking bogus lender rules is a step toward a national loan rate cap of 36% or less.

A few years ago, the bipartisan enactment of the Military Loans Act provided men and women in uniform with double-digit cap rate protection. It is time for all of the United States to receive the same financial protection.

Charlene Crowell is Senior Fellow of Responsible Lending Centers. She can join to [email protected]..

President Biden signs bipartisan bill to curb predatory lending – Los Angeles Sentinel | Los Angeles Sentinel Source Link President Biden signs bipartisan bill to curb predatory lending – Los Angeles Sentinel | Los Angeles Sentry



Partners Align Behind Brooks Street Transformation, Federal Planning Grant ~ Missoula Current




As the City of Missoula continues to transform the Brooks Street Corridor, it will receive support from Missoula County, one of the largest landowners in the Midtown District.

This week, the county signed a letter of support as part of an application seeking approximately $ 900,000 in a RAISE planning grant from the federal government.

The letter, addressed to Transportation Secretary Pete Buttigieg, describes the planning grant as a key part of a larger effort to move Brooks Street away from a “self-centric commercial strip to a multimodal, transportation-focused development corridor by common”.

“We have this great concept, but it needs to be fleshed out,” said Annette Marchesseault of the Missoula Redevelopment Agency. “We are applying for a RAISE grant to set this project up so that it is in a place where we can start looking for capital funding. “

The city’s chosen engineering firm, HDR, determined last year that while the Brooks Street corridor is capable of moving traffic, it will soon reach capacity. It already faces a number of challenges that hamper traffic, limit economic expansion, and hamper non-motorized transportation.

In seeking solutions, transport officials opted for a “rapid bus transit” system that would use a central lane. This would allow Mountain Line to run a 15-minute service without disrupting traffic into the heart of Midtown.

“We did a few planning studies, and the most recent was an infrastructure study to understand how we can get public transit on Brooks and make it successful,” Marchesseault said. “You need transit to get through traffic, but you also need that critical mass of passengers to make transit successful. And because this is a (state) route, you need to maintain a certain level of traffic flow. “

A rendering of the proposed Bus Rapid Transit system on Brooks Street and the redevelopment that may result.

The rapid transit plan would include several transit stations, as well as work to improve the safety and fluidity of various intersections.

It would also make it easier for pedestrians to cross the busy street. Dedicated bike paths would also be included, which is lacking in the congested Midtown neighborhood.

“The concept, which we think has a lot of merit, is a bus rapid transit hub,” said Marchesseault. “The stations would also be in the center lane. It allows a pedestrian refuge to cross the street and helps aggregate left turn lanes, making it easier to get around.

Last month, MRA made available $ 50,000 for the RAISE grant for corridor planning. The funding would only be used if MRA and its partners are successful in securing the federal grant.

In providing support, Missoula County joins the City, Midtown Association, Mountain Line, Climate Smart Missoula and others in supporting the project.

“The center-run Bus Rapid Transit could improve safety and traffic for all users while facilitating smart growth,” the county wrote in support. “Investing in a BRT system and a full multimodal street would signal developers that the city is encouraging robust infill development with a dynamic mix of residential, commercial, commercial and recreational uses accessible to all demographic groups. “



People in Business for July 4, 2021 | Business people




Robyn Erlenbush, Broker and Owner of ERA Landmark Real Estate, is pleased to announce that the Sales Associate Kruin Seibert joined our Big Sky office. Raised in Montana, Kruin graduated from the University of Montana with a Bachelor of Science in Resource Conservation and Fire Management. Kruin has developed more than 30 years of direct experience in this field. Thanks to his many years in Montana, he will be able to help buyers find their desired piece of paradise, which means an easier sale and less stress for you. Kruin can be reached at 406-640-0287 or at [email protected]

ERA Landmark is proud to announce that the Sales Associate, Sue frye, was named one of America’s Top Real Estate Professionals for 2021. America’s Top Real Estate Professionals honor America’s Top Real Estate Agents from across the country. Over 18,000 US real estate sellers from every state are featured in America’s Best. Those ranked are among the top 1.5% of the 1.4 million real estate professionals in the United States. Sue continues to be recognized for her undisputed commitment to her clients and her extensive real estate expertise. Sue can be reached at 406-556-5056 or [email protected]

Joe cleveland joined the American Bank team as Vice President, Commercial Lending. Joe is a graduate of Montana State University and has significant experience in large and small banks in financial analysis, lending, asset management and loan portfolios in various markets, from Bozeman to Denver. We welcome Joe to the American Bank team.

Jeren starr of American Bank has been promoted to Senior Vice President, Commercial Lending. Jeren joined the AB team in 2013 as a credit analyst and has since become a key member of the senior lending team while continuing to develop his career in the banking industry. He graduated from Pacific Coast Banking School in 2019, while effectively developing a large loan portfolio, still providing excellent customer service and serving on several community boards. He truly embodies the core values ​​of an American banker and we are happy to have him on our team!

Chuck eble joined the American Bank team as Credit Manager. Chuck has been a Montana banking veteran for over 25 years, including various management and lending roles at a wide range of banks. His experience and knowledge were recognized by his peers during his recent election to the board of directors of the Montana Bankers Association. We are thrilled to have Chuck’s expertise and leadership within the AB team.

Genesis Engineering, Inc., a civil engineering design firm, welcomes and enjoys the following six summer interns: Soothsayer de Jong, an engineer-in-training, is originally from Steamboat Springs, Colorado and graduated from Montana State University in December with a Bachelor of Science in Civil Engineering / Bio-Resources option. This is his second summer working for Genesis. Devin has a passion for ski racing and is also an avid mountain biker and climbing enthusiast, and he finds Bozeman the perfect place to practice his outdoor lifestyle and build his career in civil engineering.

Colon smith previously worked for Octagon Consulting Engineers of Emigrant, Montana and this is his first summer working with Genesis. Going forward, Colum plans to work in nutrition and diet and his current interests include bodybuilding, Brazilian Jiu Jitsu, watching sports, and jumping in the water.

Ashley wasia is currently studying psychology at Montana State University and plans to pursue further education in PA to work in the health field as a medical assistant. This is his first summer working for Genesis Engineering and looks forward to the rest of the season working for his father in the Big Sky area. In her spare time, Ashley enjoys painting and going to the gym.

Tyler burns, an engineer in training, graduated from MSU Billings and is currently working on his Civil Engineering degree from MSU-Bozeman. He will graduate in December. Tyler grew up in Billings and is a West High alumnus. After high school he went to business school and worked in the steel industry where he became interested in civil engineering. He is delighted to be in Bozeman as he enjoys fishing and being outdoors.

Shad Wasia is originally from Cody, WY and received his associate’s degree in natural resource biology from Northwest College in Powell. He has family in Billings and Bozeman and is enjoying this new chapter of his life working for Genesis in Bozeman. In his spare time, he enjoys swimming and being outdoors.

Katelyn ramberg, an engineer in training, was born and raised in Spokane, Washington. He is a second generation MSU student studying civil engineering / bio-resources option and will graduate in December. This is Katelyn’s second summer working for Genesis. In her spare time she enjoys skiing in the winter and in the warmer months she enjoys hiking, mountain biking and relaxing at Flathead Lake.

To see what else is happening in County Gallatin, subscribe to the online journal.



# PINNED: 7 Interesting Facts About Philippine & U.S. History The Pinoys Should Know




#Pinned makes it easier for young Filipinos to discover meaningful and enriching content and stories that will help them separate music from noise, wheat from straw, and flowers from weeds.

All of our stories are written by young creatives who made it their mission to find out everything there is to know about how other young adults can make the most of their limited downtime every day, every day. week.

Our freedom as an independent nation was not given but won by our Filipino heroes. This is one of the interesting facts about the long Filipino-American history that we should never forget and pass on to future generations.

To strengthen this bond, the bonds of Filipinos and Americans had been built on each other over a long history and challenges – much like how a true friendship works.

As the United States celebrates its independence from Britain on July 4, our Filipino ancestors also have a compelling Asian American history and a history of courage in the US-Philippine War. And while we fell madly in love with Hollywood entertainment, burgers, fried chicken, and all that Uncle Sam had offered our culture, let’s take a look at some interesting facts from Filipino-American history that shaped our nation.

Philippine Independence Day – June 12 or July 4?

Our country commemorated Independence Day on July 4, 1946, the day Americans recognized the Philippines as an independent state in a ceremony at Rizal Park in Manila. But on May 12, 1962, President Diosdado Macapagal declared that Philippine Independence Day moved from July 4 to June 12, 1898 – the day General Emilio Aguinaldo waved our flag at the window (not a balcony) of his house in Kawit, Cavite.

For the former president, it was right to recognize June 12 as the birth of independence for the Philippines, in the same way America declared independence from its former colonizer, Britain, on July 4.

The colors blue, red and white commemorate the American flag

As elementary school students, we grew up reading history books and understanding the symbolism behind the colors of the Philippine flag: white represents purity, blue peace and red the bravery of the Filipino patriots in the world. defense of the country.

But it has barely scratched the surface. Our subsequent readings led us to the obscure fact that blue, red, and white were based on the flag of the United States as a kind of gratitude for helping out in our revolution against Spain. It was even mentioned in the speech of June 12, 1898 written on “Acta de la proclamación de la independencia del pueblo Filipino” in Spanish:

“… commemorating the colors azul, rojo y blanco los de la bandera de los Estados Unidos de la América del Norte, como manifestación de nuestro profundo agradecimiento hacia esta Gran Nación por la desinteresada protección que nos presta y seguirá prestando.”

English translation:

… commemorating the blue, red and white colors of the flag of the United States of North America, as a sign of our deep gratitude to this great nation for the selfless protection it grants us and will continue to provide .

The American flag

Filipinos were among the first Asians documented in the United States

It was recorded on October 18, 1587, the first Filipinos in America landed in Morro Bay, California. Those Filipinos who attempted to escape Spanish ships heading to Mexico for the annual Manila-Acapulco galleon trade were four decades ahead of the pilgrims who landed on the shores of Plymouth Rock in 1620. Some Filipinos migrated to the United States the same way, then settled somewhere in Louisiana in 1763, planting our deep ancestry in the Land of Opportunity.

October is Filipino-American History Month

Before former President Barack Obama recognized the celebration at the White House, one might also wonder why is Philippine-American History Month celebrated in the United States?

Drs. Fred and Dorothy Cordova of the Philippine American National Historical Society declared October as Philippine-American History Month in 1988 to mark Pinoy’s first documented presence in the United States. And in 2009, the United States Senate and Congress jointly commended the recognition of Philippine-American History Month.

Filipinos are the largest Asian group in 9 US states

A 2020 research on Asian Americans in the United States conducted by the Pew Research Center shows that Filipinos are the largest origin group in Alaska, Hawaii, Idaho, Montana, New Mexico, Nevada, Dakota. North, South Dakota and West Virginia. A separate June 2020 study from the Migration Policy Report also confirmed that Filipino immigrants to the United States have quadrupled since 1980.

July 4 pre-pandemic event in Manila, Philippines

July 4 pre-pandemic event in Manila, Philippines

Filipino representation in American culture

When I became a member of iNON which represented the Philippines at the NASA Space Applications Challenge, we were invited by the Embassy of the United States of America in the Philippines to participate in the pre-pandemic July 4th festivities. It was overwhelming to speak to some of our fellow Filipinos who have made significant contributions to global culture and society today.

Many Fil-Am artists and Fil-Am personalities have excelled and marked their names on the entertainment, art, fashion, music and social media stages. Lea Salonga is the first Pinay to win a Tony Award. Fil-Am musicians include Bruno Mars, Apl.de.ap, Vanessa Hudgens, Shay Mitchell, Nicole Scherzinger, Hailee Steinfeld, Jessica Sanchez, HER, Olivia Rodrigo, along with a new generation of social media influencers Bretman Rock and Bella Poarch taking over the digital scene.

Not to mention the way our beloved bee, lumpia of the “Sharonians” and sorbet make their way to the Western Palace, with the power adobo and Hello Hello. It seems that the path to the heart of any culture is through its stomach.

But in mid-2020, Asian American and Pacific Islander communities (AAPIs), including Filipinos in the United States, became the target of an increase in Asian hate incidents during the time of the COVID-19 pandemic. The Stop AAPI Hate report found that 7.9% of the 3,795 hate incidents from March 19, 2020 to February 28, 2021 were experienced by Filipinos. What is even more alarming, besides the physical safety concerns, is the impact they must endure in terms of well-being, mental health or even career.

As darkness cannot dispel darkness, only light can clear the way again. US President Joe Biden, with the help of Vice President Kamala Harris and backed by strong bipartisan support, has signed legislation to end anti-Asian hate crimes that have skyrocketed amid the pandemic.

It may take years for us to strengthen the Philippine-American friendship again, because friendship is not an instant event. It is a continuous connection that takes time and maintenance. After all, Filipinos, like any human being, are susceptible to injury from loved ones.

Time and time again, we should always look back at how the bravest Filipino heroes fought with paper and shed blood with a thousand bayonets for our independence. Today may be different from the days of the US-Philippine War. Yet it’s a never-ending saga of nationalism that we should always keep alive as we exercise our freedom to truly live free every day.

Jeddah Legaspi is a communicator who enjoys sharing the places, faces and learning experiences of her graduate studies and life outside of work. She is also the co-founder of ISDApp, a NASA award-winning app, and a marketing creator who uses new media to bring valuable information to Filipinos.



Northwest ag Lending Co-op Releases Quarterly Market Projections





SPOKANE – Northwest Farm Credit Services, the Northwest Farm Credit Union, has released its quarterly Market Snapshot reports covering the status of major agricultural products in the region. Northwest FCS teams in Idaho, Montana, Oregon, and Washington are monitoring conditions and presenting prospects for products funded by the co-op.

Northwest FCS’s 12-month outlook for the most common agricultural commodities in the Northwest is summarized below.

Apples

Slight profit margins are expected in the apple industry. While weak packaging has been the reality throughout the season, better quality fruit coming out of storage now improves packaging. Prices also improve as the supply decreases. Producer yields are expected to improve in the final months of the season, but low yields will keep overall profit margins slim.

Cattle

Drought-centered, the beef industry is expected to record unprofitable returns. The drought will force producers to carefully assess spawner retention and marketing plans.

Cherries

Slight profit margins are expected for cherry growers. Favorable consumer interest is expected this season. However, the early market price squeeze is likely to continue until mid-season as cherry supplies increase and a heat wave challenges the industry.

Dairy

The dairy outlook anticipates slightly profitable returns. The continued increase in feed costs will squeeze the profitability of producers. Risk management strategies will become increasingly important as government assistance wanes.

Fisheries

Profit margins are expected for commercial fishing operations. Strong demand is raising prices for several species, and COVID-19 vaccines are expected to help lower operating costs. As restaurant sales continue to improve, demand for seafood is expected to increase further. The seafood markets are therefore generally favorable.

Forest products

Very high profits suggested for manufacturers of forest products, and strong profits expected for forest owners. Despite recent declines in lumber prices, prices remain in record and very profitable territory. Log prices improved slightly during the quarter, although at a more moderate pace than lumber prices. The profitable price of logs is supported by record demand for wood products.

Hay

The hay outlook calls for slightly profitable yields. Producers in drought-affected areas will face headwinds for production and profitability. Producers with stable irrigation will benefit from higher hay prices.

Nursery / Greenhouse

Nursery / greenhouse operations should be profitable. Market fundamentals, such as strong housing demand, should keep sales strong. Supply is balanced but sufficiently limited to keep prices stable. The increase in labor and transport costs will have an impact on the income of producers.

Onions

Slightly profitable onion returns are expected. The prices of preservative onions are low. The demand for medium to large onions is driving up prices.

Potatoes

Profitability prospects suggest slightly profitable yields for contract potato growers. Favorable demand driven by the return of restaurant demand will provide favorable winds to producers and processors.

Sugar beet

The 2021 beet outlook is favorable with profitable yields. The USDA forecast decline in the inventory-to-use ratio from 14.3% (2020-2021) to 11.8% (2021-22) is favorable to producers in the Northwest. Warming temperatures are expected to increase growth after headwinds from the cooler spring.

Pears

Only slight profits are expected for pear growers. There is evidence that the pear industry’s efforts to improve domestic demand have paid off. Growing domestic demand, strong packaging and good prices will provide good margins. However, if low production is taken into account to cover the increased costs, the income of pear growers is minimal.

Corn

Equilibrium yields are expected for wheat producers. Drought has stunted winter wheat crops while extinguishing spring wheat. While some areas will have average winter wheat harvests, other spring wheat harvests are on hold. Crop insurance will provide much needed support to wheat growers.

Wine / Vineyard

Slight benefits are expected for both the vineyards and the cellars. The currently relatively low supply of grapes is pushing up prices, but the industry remains over-planted and good yields would push prices down. Some wineries are very profitable while others continue to struggle based on their sales channels. Overall, stagnant consumer demand means wineries will need to find creative ways to capture market share and profit.



Native News Weekly (6/27/21): DC Political Files




Each week, Native News Online brings you the latest news from the Indian country and travels from Washington, DC in addition to Interior Sec. Deb Haaland establishing the Federal Indian Residential Schools Initiative on Tuesday, other events in our nation’s capital were; The Confederate Salish and Kootenai Tribes Obtain National Bison Range Land in Trust; The Senate Indian Affairs Committee hosted a virtual roundtable to hear infrastructure needs in the Indian country, and Native American housing legislation was reintroduced.

Home Office transfers National Bison Range land in trust for Confederate Salish and Kootenai tribes

The US Department of the Interior on Wednesday announced the transfer of all land including the National Bison Range (NBR), approximately 18,800.22 acres, to the Office of Indian Affairs (BIA) to be held in trust for the Confederate Salish Tribes. and Kootenai (CSKT) from the Flathead Preserve in Montana.

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The land, which lies entirely within the boundaries of the reserve, has been transferred to the Office of the US Fish and Wildlife Service (USFWS).

“The creation of the National Bison Range was a historic use of land to preserve wildlife, but we must also recognize that this law reduced the homeland of the Salish and Kootenai people to thousands of acres. “ Senior Assistant Deputy Secretary – Indian Affairs, said Bryan Newland. “The return of these lands to the Confederate Salish and Kootenai tribes is truly a milestone in their relationship with the Home Office and the United States. “

The National Bison Range was established on May 23, 1908, when President Theodore Roosevelt signed a law authorizing funds to purchase land for bison conservation. It was the first time that Congress appropriated taxpayer dollars to buy land specifically to preserve wildlife.

The 2021 Consolidated Finance Law (Public Law 116-260) approved the transfer by repealing the law that created the NBR. It also includes a two-year period for the transition of Range management from the USFWS to the Tribes.

Senate Indian Affairs Committee Held Roundtable On Infrastructure Needs In Indian Country

As President Joe Biden and a group of U.S. GOP senators tried to find a compromise on the administration’s proposed infrastructure plan, the Senate Committee on Indian Affairs held a virtual roundtable on Wednesday to discuss the needs of the government. infrastructure in Indian country.

During the roundtable titled “Real Solutions: Building a Successful Foundation for Indigenous Community Infrastructure Development,” testimonies were heard from Indigenous communities with tribal leaders and key stakeholders on their needs.

“The critical infrastructure needs of indigenous communities such as roads, sanitation, electricity and housing have been well documented – but underfunded – for decades. We made a dent in this with the CARES Act, but more importantly, with the American Rescue Plan, which represented the largest investment in Indigenous communities in American history, ”said committee chair Bryan. Schatz (D-HI). “But it’s a shame that it took a global pandemic for us to recognize how these unmet needs are putting Indigenous communities behind the 8-ball in healthcare and economic recovery.

“It’s interesting. I’ll just start by making a statement that you already know firsthand, that there is no private market in our village communities, so the loan mechanisms are really difficult. Between the cost of delivering this housing and finding a way in a subsistence economy for our people to pay off some of their debt is really difficult, said Carol Gore, President and CEO of Cook Inlet Housing Authority.

“We cannot have an economy in rural Alaska without adequate housing. “

Reflecting on a visit to the indigenous village of Savoonga in 2018, Vice President Murkowski (R-AK) commented, “I remember walking into a house and… there were so many people living in the house and so few. ‘places to sleep that people literally slept in shifts. I remember as I was trying to move around this very crowded house that one of the people who in turn was sleeping… was the local VPSO, the law enforcement officer, and it was just a reality that when you have a home that is so overcrowded, it doesn’t even meet the definition of housing. It was something you don’t forget. Very impactful. “
To view the full video of the hearing, click https://www.google.com/url?q=https://www.indian.senate.gov/hearing/roundtable-discussion-concrete-solutions-building- successful- foundation-native-communities & source = gmail & ust = 1624885351473000 & usg = AFQjCNH5kmZgAFCY9aFF-gmaFGneLcJkaA “> here.

Reintroduction of the law on housing assistance and self-determination of Amerindians

the Native American Housing Assistance and Self-Determination Act, 2021 was presented on Thursday.

This bipartisan legislation builds on the successful Native American housing programs of the Department of Housing and Urban Development (HUD) authorized by the Native American Housing Assistance and Self-Determination Act (NAHASDA), including the Indian Housing Block Grant and Native Hawaiian Housing Block Grant programs. Bills that would re-authorize the NAHASDA have been introduced at every successive convention since 2013.

The bill was first enacted during the Clinton administration in 1996 to provide federal dollars to Indian country tribes and native communities in Hawaii.

The legislation is supported by the National American Indian Housing Council (NAIHC) and the Department of Hawaiian Home Lands.

“This bill would help indigenous communities by including vital improvements to NAHASDA, providing 10-year permissions for tribal housing programs and creating an Indian Assistant Housing Secretary at HUD to give tribes a bigger voice.” in important political and budgetary discussions. The NAIHC looks forward to working with the sponsors of this bill and all members of Congress to have the NAHASDA re-authorize this Congress, ”said NAIHC President Adrian Stevens.

The full text of the invoice is available here.

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Tester praises compromise infrastructure bill




Daines: St. Mary’s cost-sharing bill must pass

In a monthly press call, Sen. Jon Tester, D-Mont., Provided details of a recently agreed framework for a massive $ 579 billion increase in infrastructure spending that could, if passed, invest a significant amount of money in the country’s roads, bridges, airports, water and broadband infrastructure without the need for new taxes.

“For a country that has lived for years without the infrastructure of our parents and grandparents, this is a big problem,” Tester said.

He said the bill is a one-time investment in a century and could be one of the most impactful non-urgent pieces of legislation in the country’s history, and one that he urgently needs.

“It couldn’t be more urgent,” he said.

Tester said water infrastructure projects like the St. Mary’s Diversion and others in northern Montana are vitally important and would be addressed in the bill.

Senator Steve Daines, R-Mont., Also lent his support to efforts to aid the St. Mary’s diversion project, urging during a hearing of the US Senate Committee on Energy and Natural Resources Thursday that a bipartite bill to authorize the financing of the bypass rehabilitation and to commission a study to determine the ability to pay of water users.

“Any rural water supply package must ensure that Hi-Line users get the help they need,” Daines said. “This water supply system is over 100 years old and has one of the worst cost-shares in the country, which led to the collapse of a waterfall structure last summer. It was a failure. catastrophic and created a huge problem for us, but we came together and were able to put in a fix here to fix by the end of the year. It was difficult and if Congress didn’t act quickly to pass my bill, we could end up in the same situation again. “

The diversion is one of the most important infrastructure projects in the region. Sadly, the catastrophic collapse of the fall in May of last year was the culmination of years of warnings that were not followed up in time.

The bypass, one of the first projects the Bureau of Reclamation was allowed to build after it was established in 1902, was completed over a century ago to provide irrigation water to farmers and ranchers in Milk River Valley.

One-off repairs have been made to the system over the years, paid for primarily by users, and over 20 years ago, Milk River water users began campaigning for funds for rehabilitate the system to avoid catastrophic failure, which led the state to establish the St. Mary’s Rehabilitation Task Force in 2003. Since then, the group has worked to plan and raise funds for rehabilitation.

Tester, Daines, and rep Matt Rosendale, R-Mont., All worked to resolve the bypass issues.

Tester said that while the issue of the allocation of funds in the infrastructure bill has yet to be resolved, small communities like Hingham will be supported in a number of ways created by the bill.

In particular, he said, the bill includes a loan facility that will be available to small towns who can borrow long-term money with extremely low interest rates.

Tester said the bill also includes support for forest fire management. He said that due to the length of the bill, he was not 100% sure if this included boosting firefighters’ salaries, but if it did not, he intended to fight for it using other methods.

“If you consider how dry the state of Montana is, and it’s pretty much all of the west,… it’s dangerous work and people have to be paid for it,” he said. declared.

Tester said the broadband infrastructure investments in the bill are also very important for rural Montana, which he says lags behind the rest of the country when it comes to high-speed internet access. quality.

Even more important than that, however, he said, the bill will create a large number of well-paying jobs for Montanais.

He said President Joe Biden supports the current framework and while there is still some way to go until it can be voted on, it is an important step forward and a change of refreshing pace compared to the typical congressional dead end.

“A lot of times you read and hear and write about how the sides are divided and we’re apart from each other and can’t do anything, and that’s all true for that matter.” he said. “This is the exception to this rule.”

Tester said the last few weeks of negotiations have been tough as always, and as always neither the political right nor left got everything they wanted.

He said he was particularly disappointed with the lack of funding for housing, which he sees as infrastructure, but he hopes this can be addressed in a subsequent reconciliation bill.

Biden said Thursday that some of the priorities he wanted in the bill – such as child care tax credits, “the human infrastructure I’m talking about,” failed to do so, saying that ‘”none of us got what us, everything we wanted.” Biden said he would pursue those priorities in other bills, using a two-way method to achieve the goals.

Tester said at his press conference that the bill requires no new taxes and will be paid using existing IRS tax gap funds and unused CARES Act unemployment assistance funds.

Tester said much of the bill was originally going to be paid with a tax on the upper class, but that idea was killed off in commission.

He said he was proud to have been a part of the bill, but there is still work to be done and he suspects that some people on the left and right will try to find a reason to vote against the bill.

He said the bill, which will help the United States maintain a competitive advantage against China for years to come, is too important for that.

A spokesperson for Daines referred to Biden saying he would use a two-way method to pursue other priorities.

President Biden made it clear today that he will not sign this bipartisan infrastructure compromise unless he has a social protection package to sign with him, which undermines the purpose of a proposal. bipartite, ”the spokesperson said. “With a Senate split 50-50 and with each Senator with the power to prevent any legislation from moving forward, Senator Daines is hopeful that Senator Tester will not allow President Biden to hold a real compromise hostage on infrastructure and refuse to support multibillion-dollar social assistance package dollars with massive tax increases. “

Steve daines



Biden, Senator accepts infrastructure contract




  • The agreement between 11 Republican senators and 10 Democratic senators broke a long deadlock.
  • The bill requires 60 votes to pass the Senate to overcome the filibuster.

Washington – A bipartisan group of President Joe Biden and 21 senators have come to a compromise to modernize the country’s deteriorating transportation and public works system, putting the president on his radical infrastructure agenda. I was able to go through the foreground of.

Yet the president has revealed that he will only sign the bipartisan infrastructure bill if Congress also approves his broader climate and family agenda, which is supported only by the Democratic Party.

After a 30-minute meeting with the Senator in the Oval Office, Biden announced a breakthrough, ending the week’s deadlock over price tags and the largest shipping package payment method ever approved by the Congress.

The $ 1.2 trillion plan includes eight years of $ 579 billion in new spending focused solely on physical infrastructure such as roads, bridges, railroads, broadband internet, water pipes and sewer and electric vehicles. .. He offers several ways to pay the expenses, including strengthening the enforcement of IRS taxes to avoid Biden’s resistance to a gas tax increase and Republicans’ opposition to a tax increase. on corporations.

“We have a contract,” Biden said with a smile when he joined the ten senators outside the West Wing on Thursday. “We made a serious compromise on both ends.”

After:Two-party $ 1.2 trillion infrastructure trade gathers momentum on Capitol Hill

Although far from guaranteeing that it will be adopted by parliament, compromises have great potential, even in a strongly divided parliament. With the backing of 11 Republicans and 10 moderate Democrats, the infrastructure bill would exceed the 60 votes needed to defeat filibuster if all senators voted. Let’s do it.

In a statement from the East Room of the White House, Biden showed the world that “we can function, serve and do important things,” he said, “long overdue” infrastructure. Announced the investment. But he also called it an “important day” for only half of his economic agenda.

At the same time, he said he would pursue separate legislation to pass the proposals for subsidized child care, home care, climate change, kindergartens and free community colleges. Biden calls it “the human infrastructure” that Republicans oppose and liberals promote. He is expected to resort to a piece of legislation called reconciliation, which would allow Democrats to pass the bill by a simple majority in the 50-50 Senate where Vice President Kamala Harris could sever the relationship. Let’s do it.

“We’re trying to compromise there, and if we can’t, I’ll see if we can get all Democrats to a job,” Biden said. “They will ride on two tracks. ”

Some progressive Democrats fear that Biden’s willingness to compromise with Republicans could jeopardize his broader social safety net initiative against climate change. But Mr Biden said he would not sign a bipartisan infrastructure bill unless a “human infrastructure” reconciliation bill was also on his desk.

“If they don’t come (both), I haven’t signed it. It’s really easy, ”Biden said.

From the start of negotiations, Republicans were not upset by their position that bipartisan transactions stick only to physical infrastructure and avoid tax hikes for businesses and the wealthy.

The bipartite agreements archive the goal of the two Republicans. We are proposing $ 312 billion for transportation, including $ 109 billion for road and bridge repairs, $ 66 billion for passenger and freight railways, $ 49 billion for public transportation and $ 25 billion dollars for airports. The compromises include $ 73 billion for electricity and electrical infrastructure, $ 65 billion for broadband expansion and $ 55 billion for water and sewer projects.

“We couldn’t get everything we wanted,” said Sen. Rob Portman of R-Ohio, one of the group’s main negotiators, but the parties are new. He said he came together in the “basic infrastructure package” without adding taxes. “And with the commitment of Republicans and Democrats, we intend to cross the finish line.”

To pay for the infrastructure, the senator and Biden agreed to more than 12 sources of funding by strengthening the Internal Revenue Service and implementing withholding tax. The transaction includes $ 40 billion in IRS personnel to track individuals who have not paid the amount they owe.

Biden also agreed to reuse the unused COVID-19 relief fund adopted in 2020 under the Trump administration and unused unemployment insurance benefits from Biden’s bailout. Other sources include public-private partnerships, private sector bonds, and asset recycling. The transaction will create a new infrastructure lending institution to issue bonds for clean transportation and clean energy.

Senator Joe Manchin (DW.Va.), Moderate Voters, said the deal “meets the needs of 21st century countries.” Manchin’s vote is important for Democrats to embrace Biden’s agenda on climate change and the family through reconciliation. He does not promise to support the settlement package, but has said he does promise to “work on it”.

After:New New Deal: How Biden’s spending plan overlaps with previous presidential proposals

Democratic leaders have presented a quick timetable for the two bills. Senate Leader Chuck Schumer wants to vote in both the Democratic-controlled House of Representatives and the Senate in July before Congress leaves for the upcoming summer recess.

House Speaker Nancy Pelosi assured her fellow Democrats that the House would not pass the bipartisan infrastructure bill until the Senate tabled a bill that focused on “human infrastructure. From Biden.

“Unless there is a reconciliation bill, there is no infrastructure bill. Concise and simple.

After Biden agreed to cut his original $ 2.3 trillion infrastructure plan and seek approval for family and climate proposals separately, the bigger issue became methods of paying bills. Republicans opposed triggering former President Donald Trump’s tax cut in 2017, forcing Biden to withdraw from his efforts to raise corporate tax rates from 21% to 28% in a bipartisan package . .. Increases in corporate and other taxes on the wealthy are expected to be included in the Democratic settlement bill.

Republican senators have proposed indexing the fuel tax to electric vehicle inflation and new user tariffs. However, the White House strongly opposed both options, saying it would forgo Biden’s pledge not to raise taxes for Americans with incomes below $ 400,000.

Republican Senator Susan Collins said, “We have agreed on price tags, ranges and payment methods. “It was not easy to get agreement on all three, but it was essential.”

R-Alaska Senator Lisa Murkowski said the compromise was “We can actually work, we can actually do something and do something for Americans, not Republicans or Democrats. I can do it. “

After:White House stands firm on gasoline tax hike as Senator Biden prepares to meet in infrastructure

After:Biden ends infrastructure talks with Republican senator group, pushes moderates

New bipartisan effort

Biparty Senate talks began after Biden finished previous negotiations with Senate Minority Leader Mitch McConnell, an R-Ky-backed Republican Senate committee leader.

Biden’s scaled-down infrastructure proposal, backed by Republicans, fulfilled the campaign’s commitment to pursue transparency, but received backlash from progressives, especially climate supporters. They are afraid they will not vote for the settlement package now that moderate Democrats have claimed a bipartisan victory in infrastructure.

Senator Bernie Sanders of the House Finance Committee said of Dean Obeidall: “Unless this is written in stone, there will be no bipartisan agreement. Performance.

“I can’t afford to kick tin cans anymore,” said Lauren Maunus, advocacy director for Sunrise Movement, a youth-led environmental group, on the climate change initiative. She called Biden’s first proposal “already a compromise,” saying it would take $ 1 trillion a year to tackle the climate crisis.

“When the Democrats agree to wet it more, they blame the Americans for immeasurable devastation,” she said. “We don’t need climate or trade.”

After:“The worst has not yet happened”: climate change warns millions of people around the world of a dire future.

Ten Senators supporting the infrastructure contract include Jeanne Shaheen in Manchin, New Hampshire, Kyrsten Cinema and Mark Kelly in Arizona, John Tester in Montana, Mark Warner in Virginia, Christoons in Delaware and New Hampshire. Maggie Hassan and John. Hicken Looper in Colorado. Angus King, an independent Democratic rally from Maine, also backed the plan.

Eleven Republicans include Murkowski, Collins, Portman, Bill Cassidy, Louisiana, Mitt Romney, Utah, Richard Barr and Tom Tyris, North Carolina, Lindsey Graham, South Carolina, and Mike, South Dakota. ・ Round, Todd Young, Indiana , Jerry Moran. Kansas.

Contact Joey Garrison on Twitter @ joeygarrison.



Customer Feedback: New Energy and Money Saving Act Embodies the Best of the Montana Legislature | Chroniclers




C-PACE allows commercial property owners to receive up to 100% of the funds needed to upgrade their properties for greater energy efficiency, while paying off costs slowly over time (or faster if you prefer.) Funds are refunded through a small property tax assessment of the building. Private lenders provide the funds for C-PACE upgrades and earn money from the interest accrued on an investment backed by low-risk real estate. The best part about C-PACE is that homeowners receive an energy audit to determine if they will save more on their annual energy bill than they pay for upgrades. So property owners have positive cash flow from the start!

In short, the risk of participating in C-PACE is almost non-existent and everyone wins. Business owners immediately save money while increasing the value of their properties, banks have new lending opportunities, new jobs are created in construction and energy efficiency trades, and less. pollution is emitted in the world because less energy is consumed.

I am an architect who designs commercial buildings with energy efficiency in mind and I see every day how much energy savings can make a difference in a company’s bottom line. Whether it’s an office building in Billings or a ranch in rural Montana, energy costs are always a big expense.

I am also a Montanais, raised in Billings, who cares deeply about the future of our state. That’s why I worked with others across Montana at the local level for over six years, primarily through the Northern Plains Resource Council, to get this law passed. I am honored and encouraged to be able to share this story of bipartisan cooperation, and I want to thank Senator Mary McNally for sponsoring this bill, Governor Gianforte for signing it, and all of the lawmakers who voted for it.



Speed ​​Safety Campaign Reminding Drivers to Slow Down | Top story




BILINGS – With three fatal crashes in Montana this weekend, and one in Billings, now is a good time to remind people to drive safely and to obey all speed limits.

The Montana Highway Patrol is part of the Western States Safety Coalition, which will participate in a safety campaign for speed enforcement. The Wyoming Highway Patrol will also participate in the safety campaign, raising awareness of the dangers of speeding.

WHP noticed a trend of fewer drivers on the roads during the pandemic in 2020, but a 29% increase in citations to drivers exceeding 100 miles per hour.

We spoke with Wyoming Highway Patrol Captain David Wagener, who says these stats show him people need to slow down and give themselves more time to get to where they’re going.

“It’s very impactful when you have to see the carnage that can occur as a result of an accident where someone is traveling over 100 kilometers an hour, and the injuries people suffer as well as the deaths that occur.” also in these accidents ”said Captain Wagener.

The Speed ​​Enforcement Safety Campaign will take place from June 25 to 27.

Read the original article here

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ECB to grant banks $ 83 billion in capital relief with extension




(Bloomberg) – The European Central Bank has said it will give lenders around 70 billion euros ($ 83 billion) in capital relief by extending a measure designed to help them continue to provide credit to the economy hit by pandemic.

The ECB will allow lenders to continue to exclude deposits held with central banks when calculating their leverage ratio for nine months until the end of March next year, according to an ECB statement on Friday. The measure increases the ratio of the 39 banks that used it by 0.7 percentage point on average.

Bloomberg said on Wednesday that the ECB was preparing to extend the relief. The exemption, which would otherwise expire on June 27, effectively makes banks appear stronger and allows them to do more business with existing financial reserves.

The ECB’s position contrasts with that of some peers, notably in Switzerland and the United States, which allowed leverage ratio relief measures to expire this year. It highlights the euro area’s greater dependence on bank loans, rather than capital markets, as a source of corporate finance.

The ECB and other authorities have given banks unprecedented regulatory relief during the pandemic to help them absorb losses and keep lending, and to date many institutions have seen their profits rebound.

Unintended consequences

Nonetheless, the ECB said banks will need to fine-tune their calculations in order to maintain the “resilience” provided by the leverage ratio. The relief will only apply to central bank exposures that have accumulated since the end of 2019, shortly before the start of the pandemic.

The reduction in the leverage ratio made it possible to avoid the unintended consequences of the ECB’s pandemic bond purchase program. The ECB’s bond purchases put more money in lenders’ accounts at the central bank, which can end up giving the impression that these lenders are more in debt if they weren’t exempt.

Some European banking regulators are keen to avoid extending leverage ratio relief beyond March, Bloomberg reported earlier this week, citing people familiar with the matter.

The US Federal Reserve allowed its broader leverage ratio relief measures to expire in late March, while saying it would consider changing the measure.

The leverage ratio is one of the two key indicators of the financial strength of banks. From June 28, banks will have to have a minimum level of 3%, although this figure will increase slightly for individual banks that take advantage of the ECB relief.

Larger banks will be subject to surcharges at a later stage. The metric measures capital as a share of assets, regardless of their risk.

The relief would particularly benefit banks in France, Germany and the Netherlands, which tend to have more deposits with central banks than those in southern Europe, wrote ING analyst Suvi Platerink Kosonen in a note after the Bloomberg report earlier this week.

(Updates with relief volume starting at first paragraph)

More stories like this are available at bloomberg.com

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These 4 companies have a high estimated dividend yield




ONEOK (OKE), Honda Motor Company, Ltd. (HMC), Community Bankers Trust Corporation. (ESXB) are the highest dividend yielding stocks on this list.

Rank Financial asset Price Switch Term dividend yield Updated (EST)
1 ONEOK (OK) 54.16 -5.02% 7.11% 2021-06-18 05:37:14
2 Honda Motor Company, Ltd. (HMC) 32.53 -0.82% 3.13% 2021-06-18 05:42:05
3 Community Bankers Trust Company. (ESXB) 11.70 0.78% 2.76% 2021-06-14 05:26:13
4 Gulf Coast Ultra Deep Royalty Trust (GULTU) 0.03 2.63% 2.14% 2021-06-14 09:46:09

Nearly 2,000 companies listed on the Nasdaq and the NYSE pay dividends to their shareholders. Dividend yield is a dividend / price ratio indicating how much a company pays out in dividends each year.

1. ONEOK (OKE) – Dividend yield: 7.11%

ONEOK, Inc., along with its subsidiaries, is engaged in the collection, processing, storage, and transportation of natural gas in the United States. It operates in the natural gas gathering and processing, natural gas liquids and natural gas pipelines businesses. The company has natural gas gathering pipelines and processing plants in the Mid-Continent and Rocky Mountain regions. It also collects, processes, fractionates and transports natural gas liquids (NGLs), as well as stores, markets and distributes NGL products. The Company has NGL collection and distribution pipelines in Oklahoma, Kansas, Texas, New Mexico, Montana, North Dakota, Wyoming and Colorado; terminals and storage facilities in Missouri, Nebraska, Iowa and Illinois; and NGL and refined petroleum product distribution pipelines in Kansas, Missouri, Nebraska, Iowa, Illinois and Indiana, and owns and operates truck and rail loading and unloading facilities that are interconnected with its NGL fractionation and pipeline assets. In addition, it operates regulated interstate and intrastate natural gas transmission pipelines and natural gas storage facilities. Additionally, the company owns and operates a parking lot in downtown Tulsa, Oklahoma; and rents excess office space to others. It serves integrated and independent exploration and production companies; NGL and natural gas collection and processing companies; crude oil and natural gas companies; propane dispensers; ethanol producers; and NGL’s petrochemical, refining and marketing companies, as well as natural gas distribution companies, power generation facilities, industrial companies, municipalities, producers, processors and marketing companies. The company was founded in 1906 and is headquartered in Tulsa, Oklahoma.

ONEOK’s latest close was $ 57.02, 0.35% below its 52 week high of $ 57.22.

ONEOK sales

ONEOK’s sales growth is 31% for the current quarter and 44.4% for the next. The company’s growth estimates for the current quarter and the next are 134.4% and 14.3%, respectively.

ONEOK turnover

The year-over-year quarterly revenue growth increased 49.5 percent to now stand at $ 9.6 billion for the past twelve months.

Stock price ranking

According to the Stochastic Oscillator, a useful indicator of overbought and oversold conditions,

ONEOK’s stock is considered oversold (

Upper and lower annual value of ONEOK shares

ONEOK stock is valued at $ 54.16 at 7:15 a.m. EST, below its 52-week high of $ 57.22 and well above its 52-week low of $ 23.28.

ONEOK moving average

ONEOK’s value is above its 50-day moving average of $ 53.40 and well above its 200-day moving average of $ 47.03.

More news on ONEOK.

2. Honda Motor Company, Ltd. (HMC) – Dividend yield: 3.13%

Honda Motor Co., Ltd. develops, manufactures and distributes motorcycles, automobiles, electrical products and other products in Japan, North America, Europe, Asia and abroad. It operates through four segments: motorcycle business, automotive business, financial services business, and life creation and other businesses. The Motorcycle Business segment produces motorcycles, including sport, business and commuter models; and various all-terrain vehicles, such as all-terrain vehicles and side-by-side vehicles. The Automobile Business segment offers passenger cars, light trucks and mini-vehicles. The Financial Services segment provides various financial services, including retail lending and leasing services to customers, as well as wholesale financing services to dealers. The Creation of Life and Other Activities segment manufactures and sells electrical products, such as general purpose motors, generators, water pumps, lawn mowers, ride on mowers, robotic mowers, brush cutters, tillers, snow blowers, marine outboard motors, walking aids and portable battery inverter power sources. This segment also offers HondaJet aircraft. The company also sells spare parts; and provides after-sales service through retailers directly, as well as through independent distributors and licensees. Honda Motor Co., Ltd. was founded in 1946 and is headquartered in Tokyo, Japan.

The latest closing of Honda Motor Company, Ltd. was $ 30.48, 8.52% below its 52-week high of $ 33.32.

Sales of Honda Motor Company, Ltd.

YoY quarterly revenue growth increased 4.8%, now standing at 13.17T for the last twelve months.

Upper and lower annual share value of Honda Motor Company, Ltd.

The stock of Honda Motor Company, Ltd. is valued at $ 32.53 at 7:15 a.m. EST, below its 52-week high of $ 33.32 and well above its 52-week low of $ 23.10.

Moving average of Honda Motor Company, Ltd.

The value of Honda Motor Company, Ltd. is above its 50-day moving average of $ 31.28 and above its 200-day moving average of $ 29.64.

More information on Honda Motor Company, Ltd.

3. Community Bankers Trust Company. (ESXB) – Dividend yield: 2.76%

Community Bankers Trust Corporation is the holding company of Essex Bank which provides financial services primarily to individuals, small businesses and corporations. It offers individual and commercial current and term accounts; and commercial and industrial loans, consumer and small business loans, and real estate and mortgage loans. The company also provides investment services; online and mobile banking products; cash management services; and insurance and investment products. As of April 24, 2020, it was operating through a network of 24 full-service offices, including 18 in Virginia and 6 in Maryland; and 2 loan production offices in Virginia. The company was founded in 1926 and is headquartered in Richmond, Virginia.

Community Bankers Trust Corporation’s latest close was $ 8.84, 26.82% below its 52-week high of $ 12.08.

The company’s growth estimates for the current quarter and the next are 27.8% and 10%, respectively.

Income of the Community Bankers Trust Corporation.

The year-over-year quarterly revenue growth increased 66.5% to now stand at 59.83 million for the last twelve months.

Upper and lower annual share value of Community Bankers Trust Corporation.

The shares of Community Bankers Trust Corporation. is valued at $ 11.70 at 7:15 a.m. EST, below its 52-week high of $ 12.08 and well above its 52-week low of $ 4.46.

Moving average of Community Bankers Trust Corporation.

The value of Community Bankers Trust Corporation is well above its 50-day moving average of $ 9.40 and well above its 200-day moving average of $ 8.10.

More news on Community Bankers Trust Corporation ..

4. Gulf Coast Ultra Deep Royalty Trust (GULTU) – Dividend yield: 2.14%

Gulf Coast Ultra Deep Royalty Trust operates as a statutory trust. It holds a 5% gross overriding royalty in the Lower Tertiary / Cretaceous interior exploration prospect of McMoRan Oil & Gas LLC located in the shallow waters of the Gulf of Mexico and onshore in southern Louisiana. The company is based in Houston, Texas.

Gulf Coast Ultra Deep Royalty Trust’s latest close was $ 0.03, down 50% from its 52-week high of $ 0.05.

Gulf Coast Ultra Deep Royalty Trust revenues

The year-over-year quarterly revenue growth declined 7.1% to now stand at 770.75,000 for the past twelve months.

Upper and lower annual value of Gulf Coast Ultra Deep Royalty Trust shares

Gulf Coast Ultra Deep Royalty Trust stock is valued at $ 0.03 at 7:15 a.m. EST, well below its 52-week high of $ 0.05 and well above its 52-week low of $ 0.01.

Gulf Coast Ultra Deep Royalty Trust Moving Average

The value of Gulf Coast Ultra Deep Royalty Trust is well above its 50-day moving average of $ 0.03 and above its 200-day moving average of $ 0.03.

More information on Gulf Coast Ultra Deep Royalty Trust.



Making Connections: Group work to connect the trails in the region | county




As Chairman of the Headwaters Trail System Board of Directors, Gene Townsend has spent more than two decades successfully developing, developing and maintaining the Three Forks and Headwaters Trail systems, but he’s not quite resting yet.

On a recent Sunday, the former mayor and current Three Forks city councilor could be found mowing and weeding a section of the trail with his wife.

His commitment and community work has led to the creation of approximately 11 miles of paved trails around town that lead to both Headwaters State Park and Drouilliard Fishing Access. It is also included in the Great American Rail-Trail, a Rails-to-Trails Conservancy project that aims to connect a national network of public trails across the country.

A final 0.8 mile stretch of the Jefferson Street trailhead at the school complex remains to make the trail a continuous path. However, this will not be the case for long.

According to Townsend, more grants have been received, which will allow this final segment to be completed by the end of the summer.

“We will be signing a contract with Recreation Trails which will allow me to bid for this trail in August,” he said. “We hope that at the end of August or the beginning of September, we can build it if we can find a contractor. “

The fact that the trail runs uninterrupted from Drouilliard’s fishing access to Headwaters State Park will have many positive impacts, Townsend said.

“For cyclists starting at Headwaters State Park, this will be a place where someone can ride a long stretch of trail,” he said.

It will also provide access to the trail system for residents of Three Forks on the west side of town and present a safe route to school for their children, Townsend said.

In neighboring Manhattan, people are also keenly aware of the benefits the trails provide to a community and are eager to experience more of them.

An existing trail connects Manhattan with the West Gallatin fishing access and is very popular, despite its short length.

“It’s so much of a benefit to the city of Manhattan, people use it all the time,” Manhattan Trails Committee chairman Buck Buchanan said. “It’s only three kilometers long, but people ride there with their bikes.”

Buchanan and his wife take their bikes to Headwaters State Park for rides, which prompted him to consider the possibility of connecting the two trails.

“I kept looking and thinking it wouldn’t be cool to walk through Manhattan to Logan and join this Headwaters Trail,” he said.

This idea led to a proposed 7-mile trail that will stretch from Missouri Headwaters State Park and its existing trail system to Logan and ultimately continue all the way to Manhattan. It would also be part of the Great American Rail-Trail. This is an estimated $ 3 million project that would take at least two years.

If that comes to fruition, then organizers hope to pursue an even more ambitious trail project: a trail from Manhattan to Belgrade via Bozeman, which would connect to the trail system near Rotary Park in Glen Lake.

Buchanan and his fellow Manhattan Trails Committee members formed a 501 © (3) organization to work and fundraise for the Manhattan-Logan-Headwaters Trail. They are currently negotiating easements with the Montana Department of Transportation, railways, private landowners and the state for the planned expansion.

“We tried to find the best location, the best easements so that it was much easier for people to say yes to this trail,” Buchanan said.

While they still have a long way to go, Buchanan says the committee has received positive feedback and help from the community so far.

“The private landowners we have worked with are really supportive,” he said. “We have the support of the Manhattan City Council, (and) we have the support of the Gallatin County Commission.”

The Gallatin Valley Land Trust (GVLT) is also excited about the plans and has acted as an informal advisor to the committee.

“Where GVLT really lends, its expertise helps identify funding opportunities – particularly grants, and navigate this complex grant landscape,” said Matt Parsons, director of GVLT Trails. “(We) are just using our 30 years of trail experience and our non-profit trail organization to help answer questions and… be a sounding board for their board of directors.”

Parsons said GVLT believes that access to trails and places to safely recreate greatly benefits the physical and mental health of community residents, but small towns often have very limited options in this regard. .

“We think it’s really important, and not just when you live in a city, but also in rural communities,” Parsons said. “We love to see gravel trails that give people in population centers like Manhattan or Three Forks the ability to get out on a trail near their home and be able to cycle for several hours on a separate path.”



Greystone Offers $ 7.3 Million HUD-Assured Refinance Loan for The Lodge 78-Bed Assisted Living Community in Great Falls, MT




NEW YORK, NY – Greystone, one of the nation’s leading commercial real estate finance companies, has provided a $ 7.3 million HUD-insured loan to refinance a 78-bed assisted living community in Great Falls, the Montana. The financing was initiated by Scott Thurman and Leor Dimant of Greystone on behalf of Inspired Healthcare Capital, a loyal client, who acquired the property in March 2020.

The $ 7,360,000 Section 223 (f) funding provided by the HUD has a term of 35 years and amortization of 35 years, as well as a low fixed interest rate, and constitutes a permanent subscription to short-term bridge financing provided by Greystone. Built in 2001, The Lodge Senior Living Community offers full services to its residents, including meals, transportation, laundry, housekeeping, events and entertainment. The property is located within two miles of several major hospitals and health systems, including the Great Falls Clinic Hospital and Surgery Center and Benefits Health System – East Campus.

Currently the facility is occupied and configured with 70 beds in 70 studio, one and two bedroom units, and with the proceeds from HUD funding, some of the two bedroom units on the property will be converted into studios to meet the demand. strong demand for this type of unit.

“The process of transitioning to the HUD for healthcare real estate investors alleviates many challenges related to the timing of FHA acquisitions and financing, and Greystone’s transparent process sets the borrower in place for a 35-year permanent loan with a short-term credit cushion, ”Mr. Thurman said. “The higher proceeds offered by FHA financing are also beneficial for borrowers who wish to make capital expenditures and invest in property for the long term.”

About Greystone: Greystone is a national commercial real estate finance company with an established reputation as a leader in multi-family and healthcare finance, having ranked among FHA’s top lenders, Fannie Mae and Freddie Mac in these industries. Loans are offered by Greystone Servicing Company LLC, Greystone Funding Company LLC and / or other companies affiliated with Greystone. For more information visit www.greystone.com



Anti-marijuana groups drop lawsuit to overturn voter-approved legalization measure




A Rhode Island Senate committee on Monday approved a bill to legalize marijuana that is being championed by House leaders.

This is the first time that a bill legalizing recreational cannabis has advanced in the state.

The Judicial Committee, which previously held a hearing in April on the reform legislation, along with a competing proposal from the governor, passed the Senate bill in substitute form by 6 to 2 votes.

A third legalization measure was also recently tabled on the House side by Representative Scott Slater (D) and several cosponsors.

Oddly enough, the Senate panel action comes just days after House Speaker Joseph Shekarchi (D) signaled that legalization would not be undertaken until the summer or fall. The Senate, however, appears to have different plans and is expected to consider its bill for a floor vote as early as next week.

Several key changes were made to the Senate bill before it went to committee. This includes imposing a moratorium on approving additional marijuana growers, something the state’s existing medical cannabis producers have insisted on because they say the market is already oversaturated.

In addition, a third of the licenses of marijuana retailers would now be reserved for companies that qualify as social equity claimants.

Senate Majority Leader Michael McCaffrey (D) and Health and Human Services President Joshua Miller (D) are the main sponsors of the measure, which they introduced in March, days before Governor Dan McKee (D) does present his legalization proposal.

This legislation was also heard by the House finance committee in April. The new House bill has yet to be heard.

Overall, the Senate bill would allow adults 21 and older to buy and possess up to an ounce of cannabis. They could also grow up to six plants for their own use.

A Cannabis Control Commission would be established to regulate the market and issue business licenses. Marijuana would be subject to the state’s seven percent sales tax, in addition to a special 10 percent tax and a three percent local tax for jurisdictions that allow cannabis companies to operate in their region.

The replacement version that the committee approved ensures that there will be “no new cannabis cultivator licenses issued before July 1, 2023”. Regulators would also be responsible for reviewing the data annually to “determine the maximum number of licenses that must be issued to meet production demands.”

It was also changed from its original form to require labor peace agreements for marijuana companies, a provision that could bolster support from progressives.

Driving under the influence would be prohibited, but people cannot be considered impaired “just for having metabolites of cannabis in their system” under the bill. This represents an expansion of the original proposal, which would only have applied this protection to patients with medical cannabis.

People who have already been convicted of possession of up to two ounces of cannabis could have their records struck, while the previous version capped this threshold at one ounce. But the courts would have 90 days, instead of 60, to rule on strike applications.

In addition to write-offs, the revised bill now includes provisions for sealing files.

Individuals or entities cannot have more than one commercial marijuana license, but the replacement version now specifies that individuals could invest in multiple operations.

Each municipality could have at least three cannabis retailers operating in their jurisdiction, but the population threshold for additional license holders has been increased, so that additional retailers could be approved for every additional 20,000 inhabitants above a baseline of 30,000. The original bill put the threshold at 10,000 above the baseline of 30,000, which would have the effect of limiting the number of retailers.

The passage of the bill by the judiciary committee contrasts with recent comments from House leaders, with the speaker saying last week that it was “possible to come back someday in summer or fall” to tackle to legalization. He said the priority is to pass the budget this month.

The governor also said this month that he “would not be surprised if it was something that was postponed perhaps to a fall session.”

Meanwhile, the Senate Majority Leader recently said that, unlike Slater and the Governor, he didn’t want the market regulated by the State Department of Business Regulation; rather, he thinks it is important “to have a separate commission in one form or another”.

As lawmakers scrambled to pass a budget, unresolved questions have arisen as to whether there is sufficient support for legalization. The Speaker of the House has been relatively silent on cannabis reform, so his recent comments on fixing the issue as early as this summer are notable.

The speaker recently said he viewed legalization as “inevitable”, but told Politico that there were “many pressing issues before us” and that he was not sure the chamber would have it. time to review the cannabis measure.

The governor’s and rulers’ legalization plans are particularly different from the proposal former Governor Gina Raimondo (D) included in her budget last year. Before stepping down to join the Biden administration as secretary of commerce, she called for legalization through a state-run model.

McKee gave a first glimpse of his take on reform in January, saying “it’s time for [legalization] happens “and that he’s” more inclined to an entrepreneurial strategy out there to let it go that way. “

Shekarchi, meanwhile, said he was “absolutely” open to the idea of ​​legalizing cannabis and also leaned towards privatization.

Late last year, the Senate Finance Committee began a preliminary review of legalization ahead of the 2021 session, with lawmakers generally accepting reform as inevitable. “I certainly think we will act on the issue, whether it is more private or more state-owned,” said at the time Sen. Ryan Pearson (D), who is now chair of the panel.

Meanwhile, the Rhode Island Senate approved a bill in March that would allow safe consumption sites where people could use illicit drugs under medical supervision and be given resources for treatment. Harm reduction advocates say it would prevent overdose deaths and help de-stigmatize substance abuse.

The Senate Judiciary Committee also held a hearing in March on legislation that would end criminal penalties for possession of small amounts of drugs and replace them with a fine of $ 100.

Anti-marijuana groups drop lawsuit to overturn voter-approved legalization measure

Photo courtesy of Philip Steffan.

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Are Oil Prices Heading Towards $ 100 A Barrel?




On June 1, 2021, Jeremy Schwartz, Global Head of Research at WisdomTree and regular host of the Behind the Markets podcast, was joined by Mobeen Tahir, Associate Director of Research at WisdomTree, to welcome Erik Gilje, Professor of Finance at the University of Wharton School of Business in Pennsylvania. The topic was oil, and the focus was on Erik’s bullish outlook on the commodity resulting from structural supply issues in the US amid improving demand prospects.

Professor Gilje pointed out that in the last decade almost all new oil supplies have come from North America, i.e. Canada or the United States, while the Organization of the Countries oil exporters and its partners (OPEC +) have lost market share. The group has been forced by the COVID-19 pandemic to cut 9.7 million barrels of supply in what can be described as dramatic and unprecedented political coordination.

But OPEC + may not necessarily be obsessed with getting this offering back to service quickly. Indeed, the group is perhaps less worried about losing more market share to the benefit of American shale producers today than in the past. This marks a major shift in the dynamics between the two and could be the key force driving oil markets higher.

According to Professor Gilje, American shale production is drastically reduced and this is due to structural reasons. When West Texas Intermediate (WTI) oil was around $ 70 a barrel in 2018, there were 874 oil rigs in the United States. Today, there are 359. Similarly, the number of hydraulic fracturing teams in operation at the time was 485 compared to 226 today. Investments in US shale have fallen significantly and US oil production is expected to decline over the next 1 to 2 years, according to the professor.

But why could the reduction in investment be structural rather than fleeting and linked to the pandemic? Professor Gilje cited a change in investor preferences and government position as the two key factors. Investors who have not received dividends from U.S. shale producers in the past decade are now imposing a stricter cost on their capital. They not only demand capital expenditure from producers, but also want them to have positive cash flow. Investors seeking carbon neutrality also pose more difficult questions to oil producers, which further increases their cost of capital.

The change in government position under President Biden is also remarkable. Biden’s freeze on hydrocarbon rights of way on federal lands limits new pipeline capacity and increases break-even costs for oil producers.

So even though the number of platforms has increased slightly in recent weeks, it is unlikely that pre-pandemic production levels will be restored, as there may be a 15-20% downgrade when bringing back online. platforms. This means that in order for production to remain stable, new wells must be dug, which seems difficult given the higher cost of capital.

Due to this evolutionary dynamic, it is unlikely that OPEC + will rush to put the offer back online, given the difficulties encountered by American producers. They should allow prices to rise amid improving demand prospects. Oil prices at $ 100 a barrel over the next 6 to 12 months may not be out of the realm of possibility.

Please listen to the full conversation below.

Originally posted by WisdomTree, 6/8/21


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Buy a beer, support local farmers | Regional




MISSOULA, Mont. – Agriculture is Montana’s number one industry, which is why supporting local farmers is so important, and this weekend you can do it.

They kicked off the three-day event on Thursday, with the launch of a farm-fresh lager called Homegrown.

Desiree Funston of Bell Crossing Farms said the event gives the community a chance to learn more about their work.

“I think the pandemic has really shown us that maybe we need to move our food system a bit closer to home,” Funston said.

She’s just one of the farmers you can support this weekend, and buying Homegrown beer is a great start.

“This is a great partnership with Imagine Nation to support the Missoula Community Food and Agriculture Coalition, so we’re very happy to have our local product in local beer that supports a great local non-profit organization. “said Funston.

But if you want to take it a step further, the director of communications and development of community food and agriculture coalitions, Jenny Zaso, said there was a pop-up pitch festival at the brewery on Friday at 5:15 p.m. at 5.45 p.m.

“Anyone in the community for as little as $ 25 can make this loan to the farmer, it will be paid off, then they can start over and choose to invest in another farmer,” Zaso said. “This kind of help for this farmer to get started and remove some of these financial and lending barriers that newbie farmers face,” she said.

Or if you’re hoping for an adventure, you can purchase a Farm and Food Passport that gives you access to over 75 farms in the state.

Imagine Nation Brewing owner Robert Rivers said it’s a great way to see the work of local farmers.

“CFAC has done a tremendous job of really taking the idea of ​​a collaboration on a beer, but then using it for something even more important which is to put the local farm passports in the hands of the people in order to that Missoulians and locals can come out and support local producers, ”Rivers said.

Whether you are supporting a new farmer but a passport or buying a beer, it’s a good reminder that farmers do a lot for the community.

“Missoula is just passionate about beer and I think it’s great that people are now realizing that some of the ingredients in beer are produced locally as well,” said Funston.

On Saturday, there will be food trucks at Imagine Nation Brewing, from 11 a.m. to 2 p.m. and from 5 p.m. to 8 p.m.

Homegrown beer will sell out quickly, so stop by the brewery to grab yours.



Buy a beer, support local farmers




MISSOULA, Mont. – Agriculture is Montana’s number one industry, which is why supporting local farmers is so important, and this weekend you can do it.

They kicked off the three-day event on Thursday, with the launch of a farm-fresh lager called Homegrown.

Desiree Funston of Bell Crossing Farms said the event gives the community a chance to learn more about their work.

“I think the pandemic has really shown us that maybe we need to move our food system a bit closer to home,” Funston said.

She’s just one of the farmers you can support this weekend, and buying Homegrown beer is a great start.

“This is a very good partnership with Imagine Nation to support the Missoula Community Food and Agriculture Coalition, so we are very happy to have our local product in the local beer which supports a large local non-profit organization.” , said Funston.

But if you want to take it a step further, the director of communications and development of community food and agriculture coalitions, Jenny Zaso, said there was a pop-up pitch festival at the brewery on Friday at 5:15 p.m. at 5.45 p.m.

“Anyone in the community for as little as $ 25 can make this loan to the farmer, it will be paid off, and then they can start over and choose to invest in another farmer,” Zaso said. “This kind of help for this farmer to get started and remove some of these financial and loan barriers that newbie farmers face,” she said.

Or if you’re hoping for an adventure, you can purchase a Farm and Food Passport that gives you access to over 75 farms in the state.

Imagine Nation Brewing owner Robert Rivers said it’s a great way to see the work of local farmers.

“CFAC has done a tremendous job of really taking the idea of ​​a collaboration on a beer, but then using it for something even more important which is to put the local farm passports in the hands of the people in order to that Missoulians and locals can come out and support local producers, ”Rivers said.

Whether you are supporting a new farmer but a passport or buying a beer, it’s a good reminder that farmers do a lot for the community.

“Missoula is just passionate about beer and I think it’s great that people are now realizing that some of the ingredients in beer are also produced locally,” said Funston.

On Saturday, there will be food trucks at Imagine Nation Brewing, from 11 a.m. to 2 p.m. and from 5 p.m. to 8 p.m.

Homegrown beer will sell out quickly, so stop by the brewery to grab yours.

FOX28 Spokane ©



View of the library | New




POLSON – Our annual summer reading program returns on Monday June 14 with the theme “Tails & Tales”. Visit our website at www.northlakecountylibrary.org to register and get information. Also on June 14th will be our annual Usborne Book Fair. Stop between 9 a.m. and 4 p.m. to purchase new books and educational materials for the kids. Part of the profits is donated to the Library.

Two summer reading programs are planned for June. On June 17 at 10 a.m., we have Polson Doyle Town Police Officer and Canine Officer Jager to share their stories. On June 24 at 10 a.m., we have Dillon Tabbish from the Montana Department of Fisheries, Wildlife and Parks to share tails with us. All summer programs take place in Sacajawea Park to allow for social distancing. In the event of rainy weather, the program will take place in the library meeting room with limited attendance to allow for social distancing.

Mother Goose programs continue through the summer on Mondays at 9:15 a.m. in the library meeting room. There will be no Mother Goose program on June 14 due to the book sale. These programs for babies, toddlers and their caregivers include stories, rhymes and songs. This is a great opportunity for new parents to meet other parents in our community.

The library is lending life jackets again this year. Borrowers must be at least 18 years old and have a valid library card. We have a small selection of sizes, and these are available for a 7 day payment.

The library is recruiting. We have a vacant position posted for a Technology Librarian. Check out our website or stop by the library for more information.

The library is open Monday to Friday from 9 a.m. to 6 p.m. with 9 a.m. to 10 a.m. Wednesday and Friday reserved for people aged 65 and over or immunocompromised, masks compulsory during this hour; and Saturdays from 9 a.m. to 4 p.m. Curbside pickup is available to everyone during opening hours. Please call us at 883-8225 or email us at [email protected] with any questions or to request a curbside pickup.



Biden wants biological men to compete in women’s sports, criticizes efforts to protect women from trans athletes




President Joe Biden issued a presidential proclamation honoring LGBT pride month and criticizing government laws prohibiting biological men from participating in female sports.

“Some states have chosen to actively target transgender youth through discriminatory bills that challenge our nation’s values ​​of inclusion and freedom for all,” Biden said in his proclamation released Tuesday.

He was apparently referring to state measures that require student-athletes to compete in sports teams that match their biological sex rather than their preferred gender identification. Florida was the last state to pass such legislation after Alabama, Arkansas, Idaho, Mississippi, Montana, Tennessee and West Virginia.

As mentioned in a previous report, around 30 states have passed a law that prohibits young biological men from participating in girls’ sports and are required to do so, as men have obvious physiological advantages in terms of “speed, weight and power “.

“When it comes to gender issues, conservatives cannot count on sound policies from the Biden administration,” said Ed Vitagliano, executive vice president of the American Family Association.

“States will have to go it alone when it comes to protecting girls in sport,” he added.

“My administration is taking historic steps to finally ensure full equality for LGBTQ + families,” said Biden, whom former President Donald Trump described as “one of the most extreme and radical presidents” in history the United States.

“On the first day of my mandate, I signed an executive order ordering federal agencies to fully implement all federal laws prohibiting discrimination on the basis of gender identity or sexual orientation,” it recently appeared to have suggested people stop praying despite being desperately labeled by the White House as a “devout Catholic,” he continued.

“As a result, the federal government has taken action to prevent discrimination against LGBTQ + people in employment, health care, housing, loans and education,” Biden said.

The equality law would have authorized the House of Representatives, but was thankfully blocked in the Senate by the Democratic and Republican opposition.

Critics of the bill argue that a ban on discrimination based on sexual orientation and gender identity would require schools to allow boys who identify as women to participate in women’s sports despite their “advantage. inherent physiological, ”reports the Christian Post.

Biden also urged Americans to “recognize the achievements of the LGBTQ + community, celebrate the great diversity of the American people and wave their pride flags high.”

Despite the objection of Christians and the Catholic Church, in particular, to same-sex marriage, the U.S. Embassy has decided to display the rainbow flag to mark “pride month”. Erick Erickson, a conservative expert expressed his displeasure in a Tweeter.

“Will the United States also fly the rainbow flag in its Saudi and Pakistani embassies or is it just signaling the virtue where no one will respond to their press stunt?” Erickson asked.

Although the U.S. Embassy to the Holy See has hoisted the flag of LGBT pride, Vivek Ramaswamy, a tech entrepreneur, pointed out that in Saudi Arabia “where being gay is punishable by death,” the embassy “has done no such thing.”

Also in response to government support for the political movement, Representative Nicole Malliotakis of New York sponsored the Stars and Stripes Act. This law limits flags to the American flag, the flag of the country in which the diplomatic or consular post is located, the flag of a state, territory or possession of the United States, a departmental or secretariat flag, the flag of an armed force , and a flag designed to honor those classified as prisoners of war or missing. ‘





New York enacts TILA-style disclosure law for business loans and receivables purchases – Finance and Banking




To print this article, simply register or connect to Mondaq.com.

The authors provide an overview of a new law in New York and the entities and transactions to which it applies, and discuss the disclosure and signing requirements of the legislation, the exemptions provided, and how the law will be enforced.

New York Governor Andrew M. Cuomo signed SB 54701 in law, which will impose a series of disclosure requirements similar to the loan law on providers of a wide range of trade finance agreements.

SB 5470 was quickly followed by SB 898,2 which changes the scope, exemptions and other provisions of the law.

Under the new “New York Law”, which now comes into effect on January 1, 2022, “suppliers” not exempt from “trade finance” in the amount of $ 2.5 million or less must disclose the terms. keys of the transaction to borrowers and obtain the signature of a borrower before carrying out a transaction.3

The New York law follows in the footsteps of a similar law enacted in California in 2018.4

Both state laws impose disclosure requirements on business loans similar to those that the Federal Loan Truth Act (“TILA”) and Regulation Z place on consumer (e.g., personal) loans. , family or domestic). This article provides an overview of New York law and the entities and transactions to which it applies and discusses the disclosure and signing requirements of the legislation, the exemptions provided, and how the law will be applied.

OVERVIEW AND APPLICABILITY

In signing the original bill, SB 5470, Governor Cuomo noted in the memorandum filed with the bill that he had “obtained an agreement with the legislature to make certain technical changes to this bill in order to better clarify and align with existing requirements under federal law, including the Truth in Lending Act. “5 As a result, SB 5470 was amended with the adoption of SB 898, resulting in changes to the scope, exemptions, penalties and other provisions of the law. Of particular interest, the coverage of individual transactions increased from $ 500,000 to $ 2.5 million.

New York law requires trade finance providers to provide certain information to recipients when extending a specific trade finance offer in a format to be prescribed by the New York State Department of Financial Services. (“DFS”). It will have a significant impact on vendors beyond traditional commercial lenders, as it broadly defines “commercial finance” to include vendors, and third party lawyers, of sales-based financing,6closed commercial financing,7 open commercial financing,8 factoring operations,9 and other forms of trade finance that the DFS can provide through rule making.

To see the full article click here

Footnotes

* Krista Cooley is a partner at Mayer Brown and a member of the firm’s financial services regulatory and enforcement practice. Jeffrey P. Taft is a partner in the Firm’s Financial Services Regulation and Enforcement group and the firm’s Cybersecurity and Data Privacy practice. Daniel B. Pearson is an associate at the firm and a member of the Financial Services Regulatory & Enforcement practice. Residents of the firm’s office in Washington, DC, the authors can be contacted at [email protected], [email protected], and [email protected], respectively.

1 https://www.nysenate.gov/legislation/bills/2019/s5470.

2 https://www.nysenate.gov/legislation/bills/2021/S898.

3 New York law was scheduled to come into force on June 21, 2021 before SB 898 postponed the effective date.

4 https://leginfo.legislature.ca.gov/faces/billTextClient.xhtml?bill_id=201720180SB1235. Since enactment, California has undertaken several regulatory proposals to clarify the law and implement disclosure requirements. Comments on the most recently proposed rules were scheduled to take place on October 28, 2020 and a public hearing was held on November 9, 2020.

5 Memorandum # 65 (December 23, 2020), https://www.sfnet.com/docs/default-source/tsl-tslexpress/tslexpress_ny19rsb05470app.pdf?sfvrsn=7ac96eab_2.

6 “Sales-based financing” means “a transaction that is reimbursed by the beneficiary to the supplier, over time, as a percentage of sales or revenue, in which the payment amount may increase or decrease depending on the volume of sales. realized or income received by the beneficiary. Sales-based financing also includes an adjustment mechanism where the financing is repaid as a fixed payment, but provides for a reconciliation process that adjusts the payment to an amount which is a percentage of sales or revenue. NY End. Serv. § 801 (j).

7 “Closed financing” means “a closed credit extension, guaranteed or not, including the financing of equipment that does not meet the definition of a rental contract according to article 2-A-103 of the French Commercial Code. uniform, the product of which the recipient does not intend to use primarily for personal, family or household purposes. “Closed funding” includes funding with an established capital amount and term. ”Identifier. Section 801 (d).

8 “Open-ended financing” means “an agreement for one or more extensions of open-ended credit, guaranteed or not, the product of which is not intended to be used primarily for personal, family or household purposes. “Financing” includes credit extended by a supplier under a plan in which: (i) the supplier reasonably envisages repeat transactions; (ii) the Supplier may impose finance charges from time to time on an outstanding balance; and (iii) the amount of credit that may be extended to the beneficiary during the life of the plan (up to any limit set by the provider) is generally available to the extent that any outstanding balance is repaid. Identifier. Section 801 (c).

9 “Factoring transaction” means “an accounts receivable purchase transaction that includes an agreement to buy, transfer or sell a legally enforceable receivable held by a beneficiary for goods that the beneficiary has supplied or services rendered by the beneficiary which have been ordered but for which payment has not yet been made. Identifier. Section 801 (a).

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Greystone Provides $ 7.3 Million in HUD-Assured Funding




NEW YORK, June 08, 2021 (GLOBE NEWSWIRE) – Greystone, a leading national commercial real estate finance company, has provided a $ 7.3 million HUD-insured loan to refinance an assisted living community of 78 beds in Great Falls, MT. The financing was initiated by Scott Thurman and Leor Dimant of Greystone on behalf of Inspired Healthcare Capital, a loyal client, who acquired the property in March 2020.

The $ 7,360,000 Section 223 (f) funding provided by the HUD has a term of 35 years and amortization of 35 years, as well as a low fixed interest rate, and is a permanent subscription to short-term bridge financing provided by Greystone. Built in 2001, The Lodge’s senior living community offers full-service amenities to its residents, including meals, transportation, laundry, housekeeping, as well as events and entertainment. The property is located within two miles of several major hospitals and health systems, including the Great Falls Clinic Hospital and Surgery Center and Benefits Health System – East Campus.

Currently the facility is occupied and configured with 70 beds in 70 studio, one and two bedroom units, and with the proceeds from HUD funding, some of the two bedroom units on the property will be converted into studios to meet the demand. strong demand for this type of unit.

“The process of transitioning to the HUD for healthcare real estate investors alleviates many challenges related to the timing of FHA acquisitions and financing, and Greystone’s transparent process sets the borrower in place for a 35-year permanent loan with a short-term credit cushion, ”Mr. Thurman said. “The higher proceeds offered by FHA financing are also beneficial for borrowers who wish to make capital expenditures and invest in property for the long term.”

About Greystone
Greystone is a national commercial real estate finance company with an established reputation as a leader in multi-family and healthcare finance, having ranked among FHA’s top lenders, Fannie Mae and Freddie Mac in these industries. Loans are offered by Greystone Servicing Company LLC, Greystone Funding Company LLC and / or other companies affiliated with Greystone. For more information, visit www.greystone.com.

PRESS CONTACT:
Karen marotta
Gray stone
212-896-9149
[email protected]



15 Newly Added Movies You Can Stream Right Now | Entertainment




Spring has sprung up. Flowers bud on the trees, birds begin to migrate north, and the endless days of winter are finally over. Spring of this year also means that many films are finally coming out after their theatrical releases were delayed due to the COVID-19 pandemic. Many of the movies on this list found their way onto streaming services after last year’s limbo, making May a good month to dive into new offerings.

Stacker went through the list of May additions to major streamers like Netflix, Hulu, Amazon Prime, and HBO Max and picked 15 great movies that represent a wide range of cinematic expressions. They are presented in alphabetical order.

In addition to the brand new releases that are finally seeing the light of day, older films will be available to stream. They include an epic zombie movie set in Vegas, a documentary about one of American children’s television’s greatest heroes, and several classic films spanning everything from the story of an honest cop to a criminal epic on a Cuban immigrant who became a drug lord in the 1980s in Miami. The oldest film originally came out in 1971 and the most recent original release debuts this month. These films feature Hollywood legends, a country singer, and even a former football star who went on to be the center of one of the most sensational celebrity trials in modern history.

Turn off the lights, find a cozy spot on the couch, and join Stacker as we’ve got 15 movies you can stream this month.

You may also like: The best streaming services in 2021



DOJ and CFTC focus on fighting commodities fraud, do you? Suggestions for preparing your organization – Finance and Banking




United States: DOJ and CFTC focus on fighting commodities fraud, do you? Suggestions for preparing your organization

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In recent years, the Department of Justice (“DOJ”) and the Commodity Futures Trading Commission (“CFTC”) have worked closely to target businesses and individuals for violating the Commodity Exchange Act and other laws. As former senior DOJ and CFTC officials, we expect the agencies to redouble their efforts in this joint initiative in the coming years, continuing to pursue commodity fraud cases with more more attention and intensity. Therefore, companies active in the commodities and derivatives markets need to understand how these agencies work together and their enforcement priorities.

This White paper addresses these questions and offers practical tips for companies to take stock of their compliance programs. Armed with this information, businesses can ensure they are prepared to face the potential for a robust application of civil and criminal cargo fraud by the DOJ and CFTC in the years to come.

Read the entire white paper.

The content of this article is intended to provide a general guide on the subject. Specialist advice should be sought regarding your particular situation.

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Confirmed LIBOR end dates

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The administrator of LIBOR and other interbank rates offered, ICE Benchmark Administration (“IBA”), confirmed on March 5, 2021 the previously announced LIBOR termination dates.



Chris Thile, Liz Phair, Goose, Billy Gibbons, JFJO and more




Each week, Release Day Selections feature new LPs and EPs for the JamBase team to check out on release day Friday. This week we’re highlighting new albums from Chris Thile, Liz Phair, Goose, Billy Gibbons, Jacob Fred Jazz Odyssey, Crowded House and Satsang. Read on for more information on the records we’ve all queued up to spin.


Chris Thil̩ РLaysongs

The scoop: Chris Thile presents a real solo album, Laysongs, on which his voice and his mandolin are the only contributors. Released by Nonesuch Records, the album features six originals, including “Salt (in the Wounds) of the Earth”, a three-part sequel inspired by CS Lewis’ Screwed letters, and three covers and was co-produced by Thile’s wife, Claire Coffee. “[Coffee] has incredible taste and narrative intuition, ”said Thile. “She was able to help me weave the original and non-original material.” Engineer Jody Elff recorded Laysongs with Thile at Future-Past, a recording studio in upstate New York built inside an old church. The contents of the album were informed by Thile’s Christian education, spurred on by Nonesuch President Emeritus Bob Hurwitz, who told Thile that he “should make a God-themed record, that is. finished. [Thile’s] job.”

“It’s a lifelong obsession, even post-Christian, what is the impact of this type of devotion to any organized religion,” Thile, whose resume includes Nickel Creek co-founder and former host Live from here, declared. “I entered [Future-Past] to look at the space and immediately felt so at home. I loved the amount of sound around the sound. I had two sound collaborators on this record: the incredible engineer Jody Elff and this church. It was so easy for me to stay in character because of where we were. Every hour or so I would walk around the church and let the stained glass windows lead me back to the last church I attended regularly, the Grace Cathedral at the top of Nob Hill in San Francisco.


Liz Phair – sober

The scoop: Singer-songwriter and guitarist Liz Phair returns today with his highly anticipated first album of original material in 11 years since 2010’s Funstyle. sober, arriving today via Chrysalis Records, sees Phiar re-enlisting his longtime collaborator and producer Brad Wood, who also directed Phair’s iconic 1990s LPs Exile in Guyville, Whip-Smart and white chocolate space egg.

“I found my inspiration for sober Plunging into a first era of my musical development, I spent my art school years listening to Art Rock and New Wave music non-stop on my Walkman, ”said Phair. “The English Beat, The Specials, Madness, REM’s Automatic for the people, Yazoo, The Psychedelic Furs, Talking Heads, Velvet Underground, Laurie Anderson and the Cars. The city came alive for me as a youngster, the bands in my headphones giving me the courage to explore.

Phair pays homage to the aforementioned Laurie Anderson with her tribute to the romance Anderson had with Lou Reed on “Hey Lou,” a track that preceded the album’s announcement. Phair followed with “Spanish Doors” and “In There”.


OIE – Shenanigans Night Club

The scoop: Shenanigans Night Club is Goose’s long-awaited second studio album. The sequel to their 2016 debut LP, Moon hut, is made up of nine tracks recorded during sessions held in 2019 and 2020. The album features studio cuts to live staples such as “Flodown,” “So Ready” and “Madhuvan,” as well as the rarely played – and Goose’s first original – “Spirit of the Dark Horse. More tracks on Shenanigans Night Club include “SOS” and “The Labyrinth”, as well as “(stellite)”, “(dawn)” and “(7hunder).”

“While we were on tour, the record was playing in the background,” Goose guitarist Rick mitarotonda declared. “It was quite a process. Sometimes it was difficult. The disc is a companion to these growing pains. Our dream is to inspire people to think outside the box. There are a lot of voices telling you to play it safe. I think the coolest thing in the world is when someone breaks free and goes for some weird shit they dream of. ”


Billy F. Gibbons – Equipment

The scoop: Iconic ZZ Top Guitarist Billy Gibbons is back with his third solo album, Equipment, via Concord Records. Gibbons took to the aptly named Escape Studio in the High Desert near Palm Springs, California to co-produce Equipment with Matt Sorum and Mike Fiorentino. Engineer Chad Shlosser also led additional production tasks. Sorum, of Guns N Roses, Velvet Revolver and Cult fame, plays drums while Billy pats the guitarist Austin hanks to reunite again the same group featured on Gibbons’ previous solo effort, The big bad blues. The title of the new album is a tribute to longtime ZZ Top engineer, the late Tom Hardy. From a sound point of view, the desert environment has naturally infiltrated the music.

“The desert backdrops, filled with quicksand, cacti and rattlesnakes provide the kind of backdrop that lends an element of intrigue reflected in the sounds created there,” Gibbons said in a statement. “We took refuge in the desert for a few weeks in the heat of summer and it in itself was pretty intense. To let off steam, we “just let it rock” and that’s what Equipment is really everything. For the most part, he’s a raging rocker but still aware of the implicit mystery of the desert.

Plus, Gibbons brought friends Larkin Poe to work with him on the track “Stackin ‘Bones” and Billy also presented the album with “West Coast Junkie”. Hardware’s final cut is a spoken guitar tribute to the legendary Gram Parsons, who died not far from where the album was captured.


Jacob Fred Jazz Odyssey – Nine improvisations + Don’t speak bad

The scoop: Bass player Roseau Mathis was one of the co-founding members of Jacob Fred Jazz Odyssey, who trained in Tulsa, Oklahoma in 1994 with keyboardist Brian haas and others. Mathis, who left JFO in 2008, has spent part of the downtown area caused by last year’s pandemic revisiting recordings made during his time with the band, resulting in the release of four archival live albums and their last unreleased studio album with Mathis. This album, Winter wood, and the first live album, The spark that bled, was released in May and preceded the Royal Potato Family release today of two more live albums hosted by Mathis, Nine improvisations and Don’t speak bad. Haas, Mathis and the drummer Smart jason appear on both Nine improvisations, a collection of nine show debut jams recorded on various tours in 2005 and on Don’t speak bad, an album of live acoustic jazz standards and originals recorded mainly in Europe in 2006.

“The JFJO experience, for me, was kind of 10 years figuring out what we were supposed to do, musically, then five years actually playing… playing and writing to our full potential,” said Mathis. “The past four or five years have been marked by excellent teamwork and cutting-edge creativity, and so much follow-up! We were moving so fast, we ended up with most of this high end, undocumented stuff, and since I left the band in early 2009, most of what we had been working on only existed under form of raw, unmixed and unedited recordings. , silently spending the years in my storage unit.


Crowded house – Dreamers are waiting

The scoop: After 11 years, a new Crowded house the album has finally arrived. The 12 tracks Dreamers are waiting released today via BMG. The long-awaited sequel to the 2010s Intriguing was produced by the keyboardist Mitchell froom who last conducted a Crowded House album was for Wood face in 1991. Froom is joined in the current formation of the group by co-founding members Neil finn and Nick seymour as well as the sons of Neil, Elroy Finn and Liam finn.

“We were fortunate enough to record in the studio right before the lockdown and that’s how this album started with group tracks recorded live in one room, all bursting with character and energy,” explained Neil. “We then spent our strangest year, 2020, at a distance from each other but logging in on a daily basis, exchanging files and completing these leads.”


Satsang – Everything is fine now

The scoop: Montana Quartet Satsang spent time writing and recording a new album during a long hiatus in the road. The resulting LP, All. Right. Now., which pays homage to the band’s original state, arrives today. Designed and produced by the frontman Drew mcmanus, the 11-track effort was also inspired by Drew’s role as father and husband. Guests include G. Love and Trevor Room.

Drew McManus found peace in Montana after facing drug addiction, violence and abuse growing up. He landed in the Beartooth Mountains of Montana after a life-changing trip to the Himalayas following his struggles with addiction. “Montana isn’t just where I live, it’s my heart and my soul,” McManus said. “My wife, my kids, Montana, they’re all one thing to me now. They are at home. The peace Drew found shines through in the music of All. Right. Now.


Compiled by Scott Bernstein, Nate Todd and Andy Kahn.



Biden slams girls’ sports bills in Pride Month proclamation | Politics News




US President Joe Biden speaks on Covid-19 response before signing executive orders for economic relief for families and businesses affected by Covid in the White House State Dining Room in Washington, DC on 22 January 2021. |

President Joe Biden issued a presidential proclamation in recognition of LGBT Pride Month, touting the large number of LGBT people who serve in its administration and slamming state laws that prohibit biological men from participating in female sports.

The proclamation, released Tuesday, calls on Americans to “recognize the valuable contributions of LGBTQ + people across America” ​​and to “reaffirm our commitment to stand in solidarity with LGBTQ + Americans in their continued fight against discrimination and injustice” throughout. throughout the month of June, which he declared as lesbian, Gay, Bisexual, Transgender, and Queer Pride Month. He reported that “Almost 14% of my 1,500 agency appointees identify as LGBTQ +.”

The President specifically highlighted Transportation Secretary Pete Buttigieg as “the first openly LGBTQ + person to serve in cabinet” and Assistant Health Secretary Dr. Rachel Levine as “the first openly transgender person to be confirmed by the Senate. “.

While Buttigieg is the first openly gay cabinet member confirmed by the Senate, Richard Grenell, who briefly served as Acting Director of National Intelligence during the last year of the Trump administration, was the first to openly homosexual to serve in a presidential cabinet, although he was never confirmed by the Senate for this position.

Biden lamented that “despite all of our progress, there are still many states in which LGBTQ + people lack protections for basic rights and dignity in hospitals, schools, public housing and other spaces.” He specifically expressed concern that “some states have chosen to actively target transgender youth through discriminatory bills that challenge our nation’s values ​​of inclusion and freedom for all.”

While the president did not elaborate on the content of the aforementioned “discriminatory bills”, he was probably speaking of state efforts to force student-athletes to compete in sports teams that match their birth sex as opposed to their gender. chosen gender identity. Florida became the most recent state to pass such a law earlier this week, joining Alabama, Arkansas, Idaho, Mississippi, Montana, Tennessee and West Virginia.

“My administration is taking historic steps to finally offer full equality to LGBTQ + families,” he added. “On the first day of my mandate, I signed an executive order directing federal agencies to fully enforce all federal laws prohibiting discrimination on the basis of gender identity or sexual orientation. As a result, the federal government has taken action to prevent discrimination against LGBTQ + people in the areas of employment, health care, housing, loans, and education.

After mentioning his executive order allowing transgender people to openly serve in the United States military, Biden asserted that “LGBTQ + rights are human rights, which is why my administration has reaffirmed the United States’ commitment to support those who are at the forefront of movements for equality and democracy in the world. , often at great risk. According to the President, “We see you, we support you and we are inspired by your courage to accept nothing less than full equality.”

Further, Biden vowed that “I will not rest until full equality for LGBTQ + Americans is finally achieved and codified in law.” He urged Congress to pass the Equality Act, a sweeping piece of legislation that Democrats say is needed to enshrine protections against discrimination against the LGBT community in federal law.

Critics of the legislation argue that the equality law’s ban against discrimination on the basis of sexual orientation and gender identity will require schools to allow boys who identify as women to compete in women’s sports despite the inherent physiological advantage that men enjoy over women in athletics. The United States House of Representatives has already passed the Equality Act, but opposition from Democrats and Republicans prevented it from making it through the Senate.

“During LGBTQ + Pride Month, we recognize the resilience and determination of the many people who are struggling to live freely and authentically,” he concluded. “In doing so, they open hearts and minds and lay the foundation for a fairer and more equitable America. In this Pride Month, we affirm our obligation to defend the dignity of all and to devote ourselves to protecting the most vulnerable among us. “

Biden also called on the American people to “recognize the achievements of the LGBTQ + community, celebrate the great diversity of the American people, and wave their pride flags high.” In recognition of Pride Month, the U.S. Embassy in the Vatican flies the rainbow flag despite the Catholic Church’s opposition to same-sex marriage.

Responding to criticism over the government’s approval of a political movement, Representative Nicole Malliotakis, RN.Y., introduced the Stars and Stripes Act, which would limit the flags that may be displayed in diplomatic or consular posts to the flag American flag, the flag of the country where the post is located, the flag of a particular state or territory of the United States, a “departmental or secretariat flag”, the flag of an armed force or “a to honor those classified as prisoners of war or missing.

In addition to describing his administration’s view on LGBT issues, Biden’s presidential proclamation sheds light on the history of LGBT activism in the United States, from the Stonewall riots of 1969 which he said “sparked a liberation movement ”until the legalization of same-sex marriage in 2015..

Ryan Foley is a reporter for the Christian Post. He can be contacted at: [email protected]



Governor of Nebraska unhappy with pride flag at U.S. Embassy in Vatican




WASHINGTON – President Joe Biden’s official budget proposal for the coming fiscal year increases funding levels for the fight against HIV / AIDS, prompting supporters to applaud the president’s pledge to increase public spending for deal with the national epidemic, although one group criticizes the proposal for seeking to fund international programs flat.

The FY2022 proposal, unveiled last Friday, would provide an additional $ 246 million for national HIV testing, prevention and treatment programs for the Ending the HIV Epidemic initiative, which aims to end the HIV epidemic. HIV by 2030, and would also provide an overall boost of $ 46 million to Ryan White’s HIV / AIDS programs and $ 20 million to HUD’s Housing Opportunities for People with AIDS (HOPWA).

Carl Schmid, executive director of the HIV + Hepatitis Policy Institute, said in a statement that Biden was “demonstrating his commitment to ending HIV in the United States” in the budget request to Congress.

“Although it falls short of what is needed and the community has requested it, if this funding is achieved, it will build on the momentum already created and make further progress to end HIV in the United States. Efforts to end HIV will help eradicate an infectious disease that we have. has been fighting for 40 years and helping to correct racial and health inequalities in our country, ”Schmid said.

The total amount of $ 670 million requested by the White House for the End the HIV Epidemic initiative breaks down as follows:

  • Centers for Disease Control & Prevention: $ 100 million in new money for a total of $ 275 million;
  • Ryan White: $ 85 million in new money for a total of $ 190 million;
  • Community health centers for PrEP: $ 50 million in new money for a total of $ 152 million;
  • National Institutes of Health: $ 10 million in new money for a total of $ 26 million;
  • Indian Health Services: $ 22 million in new money for a total of $ 27 million.

Counterintuitively, each of these numbers is actually lower than what Trump’s White House proposed in the previous administration’s final budget request, with the exception of the proposed increase in funds for health centers. communities for PrEP and stabilization of funds for Indian health services.

The requested increase in funds to end the HIV epidemic was expected. Biden had signaled he would seek additional funding of $ 267 million in the “meager budget” released by the White House in February that preceded the more formal and detailed request to Congress last week.

Biden is calling for increased funds after campaigning to end the domestic HIV epidemic by 2025, an ambitious goal that many HIV / AIDS advocates were skeptical of reaching.

Nick Armstrong, head of advocacy and government affairs at the AIDS Institute and co-chair of the AIDS Budget & Appropriations Coalition, said in a statement the time to scale up efforts against HIV has come as the nation emerges from the coronavirus pandemic.

“Public health departments have made Herculean efforts to fight COVID over the past year,” Armstrong said. “But now, it’s time to re-energize the neglected efforts to end the epidemics of HIV, opioids and viral hepatitis. Congress must go beyond what the President has proposed to strengthen our critical public health infrastructure to protect Americans from infectious disease. “

The budget now passes to Congress, which has the power to allocate or not allocate funds according to the president’s request. Congress could either respond, short-fund, or even exceed Biden’s demand in cash as part of this process.

Schmid told The Blade by email that he was optimistic that Congress would get agreement to increase funding to fight HIV / AIDS based on the “strong bipartisan support that the proposal received in the past.

“We still have work to do with Congress due to so many demands on the budget, but I’m pretty confident Congress will back it, they can’t wait to see what the Biden administration does with the program in its budget. and we have the answers now, “Schmid said.” The Biden-Harris administration strongly supports ending HIV. “

While Biden has been praised for increasing funding for national HIV programs, international programs are another matter. The White House has basically flat-funded programs designed to tackle the global HIV epidemic, including the President’s Emergency Plan for AIDS Relief, or PEPFAR, or the Global AIDS Fund, tuberculosis and malaria.

Matthew Rose, director of US policy and advocacy at New York-based Health GAP, said in a statement that Biden’s budget proposal “shows a lack of bold leadership motivated to end the HIV pandemic.”

“If the United States had continued to fund PEPFAR in full since 2003 instead of letting funding levels drop to a flat line for more than a decade, the HIV pandemic would be remarkably different today,” Rose said. . “This is not a budget to end AIDS – and it could have been. This is not a budget to end the COVID-19 pandemic – and it could have been. The unacceptable lack of political will in recent years has created a world in which people cannot access the vital services they need. “

Health GAP calls on Congress to approve a budget with at least $ 750 million increase for PEPFAR and $ 2.5 billion in increased funding over the next four years to scale up HIV prevention and treatment and mitigate the damage to the HIV response by the COVID-19 pandemic, the statement said.

Additionally, Health GAP is calling on Biden to nominate “a highly qualified candidate” to serve as the US global AIDS coordinator, the statement said.



Supreme Court upholds tribal police in traffic control and search




WASHINGTON (AP) – The Supreme Court ruled on Tuesday that tribal police officers can arrest and search non-Indians on tribal lands for possible violations of state or federal law.

Judges unanimously overturned an appeal decision in favor of a non-Indigenous motorist who was charged with drug crimes after a tribal officer searched his van on a public road through the Crow Reservation in Montana.

The Supreme Court previously ruled that the tribal police had little authority over non-Indians, but Judge Stephen Breyer wrote for the court that allowing temporary arrest and detention – so that authorities in l ‘State or federal may be called – improves public safety.


“Denying a tribal police officer the power to search and detain for a reasonable period of time anyone he believes may or has committed a crime would make it difficult for the tribes to protect themselves from continued threats,” wrote Breyer.

The case involved a traffic stop in 2016 in which Constable James Saylor of the Crow Tribe Police Department came across a pickup truck with its headlights on and its engine running, parked on the shoulder of the road American 212.

The driver, Joshua Cooley, had watery, bloodshot eyes, Saylor said. Cooley also had two semi-automatic rifles and a handgun in the van, along with meth.

Saylor called for help from federal and county officers, who ultimately arrested Cooley.

The 9th US Court of Appeals sided with Cooley, saying non-Indians can only be detained if proof of a crime is “apparent” or “obvious.”

The Justice Department appealed under the Trump administration and maintained its position after President Joe Biden took office.



New Mexico Bank & Trust is powered by HTLF




NMBT News:

“ It’s about community banking at scale of competition at all levels ”

ALBUQUERQUE – New Mexico Bank & Trust (NMBT) has announced that its parent company, Heartland Financial USA, Inc., has renamed HTLF.

The new branding better reflects how the HTLF business is today and what it brings to NMBT, its customers and its communities.

The NMBT logo has been updated with the tagline Powered by HTLF, representing the technology, efficiency and strength that HTLF offers. This allows NMBT to offer the best of both worlds: the power of a larger organization combined with local decision making and a deep understanding of NMBT’s customers and communities.

“HTLF provides us with the resources and tools of a great enterprise while focusing on growing customer relationships and delivering information through extraordinary banking solutions and experiences,” said the president of NMB & T, Greg Leyendecker. “This is community banking at scale with competition at all levels.”

In the coming days and weeks, customers will see the updated logo on NMBT’s website, social channels and digital platforms.

About New Mexico Bank & Trust

New Mexico Bank & Trust, a subsidiary of Heartland Financial USA, Inc., operating under the HTLF brand, is a community bank with more than $ 2.3 billion in assets and operates 24 offices in central, northern and l eastern New Mexico as well as northwest Texas. The bank specializes in business loan and deposit services and offers a wide variety of personal credit and deposit services as well as comprehensive electronic banking programs. New Mexico Bank & Trust is a member of the FDIC and Equal Housing Lender. Visit www.nmb-t.com to learn more.

About Heartland Financial USA, Inc.

Heartland Financial USA, Inc. (NASDAQ: HTLF), operating under the HTLF brand, is a financial services company with approximately $ 18.2 billion in assets. HTLF banks serve communities in Arizona, California, Colorado, Illinois, Iowa, Kansas, Minnesota, Missouri, Montana, New Mexico, Texas and Wisconsin. HTLF is engaged in its core business activity, supported by a strong retail business, and provides a diverse range of financial services including residential mortgages, wealth management, investments and insurance. Additional information is available at htlf.com.