Alabama Economy – Cedars Inn Auburn Sun, 16 Jan 2022 03:17:10 +0000 en-US hourly 1 Alabama Economy – Cedars Inn Auburn 32 32 The Home Edit talks about the app that’s changing the way they organize kitchens Tue, 23 Mar 2021 05:30:59 +0000

2020 has been an amazing year for Clea Shearer and Joanna Teplin who are best known as the professional organizing duo, The House Edit. netflix launched his show, To have Organized with the Home Edit with great fanfare, and their second book, Editing life at home became number one New York Times Bestseller. After their first line for The Container Store in May 2019, they launched two new collections this year, The Home Edit Kitchen and Pantry and Makeup & Vanity.

Now these powerful women are teaming up with McCormick to create content for Flavor Creator featuring a custom brownie recipe that includes signature rainbow frosting and shows how the app can help take kitchen organization to a whole new level by keeping an inventory of spices. This can help save space in the pantry and avoid food waste, for example by avoiding ending up with three unused bottles of nutmeg.

I spoke with Shearer and Teplin about this partnership, learning some of their top tips for kitchen organization and even finding out what the messier rooms in their home are.

Tell me about your partnership with McCormick.

Shearer: We were so excited because Joanna and I can’t cook. The only thing we know how to do with spices is organization. They showed us that organizing meal preparation and organizing how to cook is actually an important part of the cooking process.

Besides recipes, how can the Flavor Maker app help you organize your kitchen?

Shearer: This is an amazing way to digitally organize your pantry. You can scan spices. Not only does it keep track of your entire inventory, but it also has a fill level that you can adjust. So you know when to order more. It also shows you which recipes may work [with the spices you currently have]. I’m very excited about all things organization and a new way of organizing really gets our juices flowing.

Teplin: The scanning aspect of the Flavor Maker app is so much fun. We were both arguing about scanning the spices.

Home Edit’s systems are incredibly visual. How do digital tools fit into your methods?

Shearer: Because you can access things wherever you are, you don’t have to be standing in front of your cupboard or in front of your pantry to see what you need to order, or if you’re looking at a recipe and [asking yourself], ‘wait a minute, do I have cardamom?’

It’s so powerful to have everything at your fingertips and be able to create your grocery list on the spot, pull your recipes, save your favorites, figure out what you’re going to cook and all the ingredients you need.

You can adjust the fill level to know you’re running low. I have the impression that more and more digital technology for the organization will become an essential part of the process. I think it helps a lot in the long term maintenance of what you have already organized in person.

The Home Edit has a truly unique approach to organizing that is very similar to merchandising. How does this relate to what you do?

Teplin: I love this takeaway because the reason we started doing styling and merchandising aspects for organizing projects is to get people excited about organizing. This does not mean that the underlying system is less complicated.

It’s actually a jigsaw puzzle to put together this functional layered system. The stylized look and making things look really nice, lining things up just right and with color – all of those things, I think, are why the organization started to take off. Everything was commercialized, visually appealing, and satisfying to watch. It’s more in line with interior design and styling – all the things we look at on the internet.

Why are kitchens so difficult to organize?

Teplin: I think that’s partly because it’s a hub for the whole house. If it’s just you, it’s much easier because you have total control. But once you have other people in your household, roommates or family members, everyone has their paws and all sorts of things. And if you don’t have a smart system, people put things in the wrong place, and the next person can’t find them. So they might redeem and now you have a messy pantry.

Shearer: The kitchen is without a doubt the most used place in the whole house. Maybe except for the entrance and 2020 even took it away. It’s like where are you going?

You’re in the kitchen all the time, and that’s true even for people who don’t cook. It’s really Grand Central where people put things on the counter. Even if you live alone things pile up and I think if you don’t stay on top of the kitchen it just becomes a bit of a dump.

What is the best way to manage the amount of items we need to keep in our kitchens?

Shearer: We always like to say every drawer, every cabinet, pantry, whatever – make sure nothing is pushed, crushed or hidden. Even the awfully named “junk drawer” shouldn’t be filled with junk. We like to call it a general drawer or a multipurpose drawer. He needs to be organized and he has your pens, scissors, keys, [etc].

Going back to the inventory perspective, we like to have an absolute audit of everything in our domain. I want to know where everything is. So I think it’s really important to start off on the right foot with your kitchen and maintain it afterwards.

When it comes to organizing your entire kitchen, where do you start?

Shearer: You have to take it easy. Start with a drawer – something you can really see the whole process through, get your motivation going, understand every step of the process, and then you can start extrapolating to something bigger.

What’s the best way to organize a deep and tall but not very wide kitchen cabinet?

Teplin: You need a long basket or a trash can. There’s one at The Container Store that we use a lot: the I like this trash can. What you want to do is turn that shelf into a drawer, because that’s the only way to get to it. You want a long, narrow bin or basket, whatever your preference, whatever space suits you, so you can just pull it out and access whatever’s in the back.

We did it in the Neil Patrick Harris episode of our Netflix show. She had all these water bottles, and it was like a graveyard there. So we put in a long, narrow Like It Bin and it works like a drawer.

How do you recommend maintaining a kitchen organization system?

Shearer: It’s like going to the gym once. You’ve definitely started, but if you don’t hold it will go back to how it was.

Teplin: I think it’s about committing to the systems you put in place and thinking about them in advance. We want our photos to serve as inspiration, but we want people to be inspired by photos that would make sense to them.

If you have kids you wouldn’t want a sea of ​​glass jars etc. If you’re really busy, do you want to take the time to get home from the grocery store and empty out all the different pastas, cereals, etc. in cans? Or will it be easier to just put them in the bin labeled breakfast or dinner? If so, maintenance will be really easy for you because you made the smart choice based on your lifestyle needs. And then it’s just plug and play. If you think something looks really good, it’s not enough to make a system last.

Shearer: [You also want to follow the] 80/20 rule, just like doctors suggest for eating. You don’t want to be more than 80% full. You want to leave that extra 20% coin. The same for your space, you don’t want to be 100% stuffed. This means there is no room to add anything else.

It’s confession time: what are the dirtiest areas of your home?

Shearer: My daughter’s drawers. It is a disgusting and devastating disaster.

Teplin: My children’s drawers too. It’s impossible. They are terrible.

The real estate developer is back in court Tue, 23 Mar 2021 05:30:58 +0000

The herald

Nyore Madzianike

Senior Court Reporter

LAND developer Felix Munyaradzi now faces allegations he tried to defeat the course of justice by putting pressure on state witness Deputy Commissioner Erasmus Makodza.

Yesterday, Munyaradzi alleged that the top cop falsified the charges against him in an attempt to prevent him from demanding an unpaid debt.

Munyaradzi is accused of attempting to coerce Deputy Commander Makodza, a state witness in another court case, to withdraw the charges against him relating to the sale of stalls.

Munyaradzi claimed that he provided a credit facility to Asst Comm Makodza when he wished to apply for a loan from the bank.

He alleged that A / Commr. Deputy Makodza had begged him not to publicize the problems with the unpaid debt, as it would likely tarnish his name as he was considering the post of Commissioner General of Police.

Munyaradzi denied ever sending people to “chat” Asst Comm Makodza to withdraw the charges against him.

Munyaradzi challenged his remand on charges of obstructing justice and gave what he said was his version of events on the witness stand.

“Makodza wanted to apply for a loan from the bank and he came to my office in 2016 to ask if I could help with the mortgage. He said he had land that was to be seized by the Department of Local Government and that he wanted a loan so that the land was not taken. I gave him documents concerning the land and a contract of sale. He (Asst Comm Makodza) later came back to me telling me that the bank would take a long time to repay the loan and asked for help. He told me that if I gave him the money, then he would give me a contract for the paving of the roads.

“I then paid 96,000 USD directly to the local government ministry. We transferred the money directly to the local government ministry so that the land was not washed away, ”he said.

Munyaradzi told Harare Provincial Magistrate Vongai Guwuriro that he only spoke to Shadreck Homela, the man who the state said was sent to chat with the Deputy Commissioner, when he asked him about his unpaid debt.

“I didn’t know he had a relationship with (Asst Comm) Makodza. He knows that when I follow up, I lobby and they have brought up the allegations to silence me, ”Munyaradzi said.

He also denied being involved in any form of relationship with Agent Fortunate Dube, as Deputy Commander Makodza claimed in a letter to the Zimbabwe Anti-Corruption Commission. He told Ms. Guwuriro that he had since written a letter of complaint to Asst Comm Makodza regarding the allegations, calling them libelous.

“He’s trying to find ways to escape the debt he owes me. I never told him about these issues, even the guys who would have talked to me. I never threatened him. If I wanted him to be stopped, I would have done so when he used my equipment without paying.

“The court should observe that these are people who abuse their authority,” he said.

The state led by Miss Audrey Chogumaira told the court that Munyaradzi should be remanded in custody as there was reasonable suspicion that he had committed the offense. At this point, all that is needed is a connection between Munyaradzi’s actions and the allegations he is facing.

“We are not obligated to prove beyond a reasonable doubt, but there is reasonable suspicion,” she said, noting that Munyaradzi admitted calling Deputy Commander Makodza.

Munyaradzi has been remanded in custody until today over deciding whether he will be remanded in custody on the new charges.

White House task force says South Dakota needs aggressive COVID-19 action Tue, 23 Mar 2021 05:30:58 +0000

SIOUX FALLS, SD (KELO) — According to the White House Coronavirus Task Force, South Dakota needs to change course when it comes to the coronavirus pandemic.

“Given the extraordinarily high test positivity and incidence, among the highest in the world, aggressive measures to limit additional hospital overruns and preventable mortality are warranted and strongly recommended,” the task force said in its November 22 report. KELOLAND News reviewed a copy of the report shared by the Center for Public Integrity.

“Requirements for face coverings, particularly in indoor public or commercial settings, have been shown to improve adherence and reduce transmission,” the report said in recommendations to officials in South Dakota.

The task force also put the statement of face covering requirements into the recommendations for Alaska.

While all 50 states received state-specific recommendations and comments, there was one statement that applied to all.

The 50 states should “ensure that masks are worn at all times in public, increase physical social distancing through a significant reduction in the capacity of private and public indoor spaces, and ensure that every American understands the obvious risks of ANY family or friend interaction outside of their immediate household indoors without a mask,” the report states.

The task force praised South Dakota for the recent testing expansion, but also said it should be maximized. The state should also ensure that all clinical facilities, including mid-level and rural, have up-to-date emergency and expansion plans.

South Dakota ranked in the top 10 in several coronavirus categories from Nov. 9-20, according to the coronavirus task force.

South Dakota had the ninth highest positivity rate in the United States. The state had nearly 2.5 times the national average of COVID-19 deaths per 100,000. The state rate was 988 deaths per 100,000, compared to 365 per 100,000 for the national average.

During the week of Nov. 9 to Nov. 15, 45% of nursing homes across the state had at least one resident with a case of COVID-19, 71% had a staff member with a case, and 21% of nursing homes had at least one case. Death from covid19.

At a Nov. 18 news conference, South Dakota Governor Kristi Noem urged the public to be more diligent with personal hygiene and to stay home when ill, such as means of protecting the vulnerable population.

Throughout the pandemic, Noem said she doesn’t believe she has the power to enforce mask-wearing and that she trusts the people of South Dakota to take responsible action to reduce the spread of COVID- 19. Mandates and freezes hurt businesses, Noem said.

At a press conference on November 18, Noem said, “I’ve always said that people who want to wear masks should wear masks and people who don’t shouldn’t be shamed for choosing not to.”

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KELOLAND News covers the COVID-19 pandemic. This is your guide to everything you need to know to prepare. We also have the latest stories from around the world feeding this page.

Temenos helps U.S. banks and credit unions meet growing demand for emergency loans Tue, 23 Mar 2021 05:30:57 +0000 Temenos (SIX: TEMN), the banking software company, today announced that its digital omnichannel product Temenos Infinity enables U.S. banks and credit unions to expedite applications for small business loans under the Temenos Infinity program. United States Small Business Administration (SBA) paycheck protection (PPP). .

Implemented under the American CARES (Coronavirus Aid, Relief, and Economic Security) law, the PPP aims to immediately inject $ 349 billion in rescue loans for small businesses affected by the Covid-19 pandemic. Banks had to respond to new government demands within a week. As reported in the press, banks varying in size from large Tier 1 banks to regional banks and credit unions are experiencing unprecedented demand for loans from businesses and are struggling to meet demand volumes.

Temenos is already enabling banks to deploy a digital experience for customers who request a PPP. Temenos was able to deliver a specific PPP digital loan application solution with integrated 4-day processing workflows. This allows small businesses to apply for financing digitally without the human assistance of the bank and includes built-in quality checks to ensure that required fields are filled out so that it does not need to be reworked and delayed. loan processing. The digital portal also helps streamline the request for funds for banks to route to the SBA E-Tran system for approval. With Journey Manager, part of Temenos Infinity, Temenos can deliver flexible and agile digital workflows to accelerate customer journeys from loan requests to account opening and KYC due diligence. Additionally, Temenos enhances its Temenos Infinity product with additional functionality for SMEs by automating decision options through its Explainable AI (XAI) platform, while allowing banks to explain in plain language to their customers and regulators how AI-based decisions are made.

Kelly Dakin, Director of Digital and Customer Experience, Atlantic Union Bank, said, “Our top priority in these unprecedented times is to support our small businesses and commercial customers. By working with Temenos’ dedicated and client-focused team, we were able to create a brand new digital lending portal specifically for PPP in less than a week. But, more importantly, through this work, we continue to support our corporate clients and their employees, so that they can receive funding and support when needed. ”

Alexa Guenoun, President, Americas and Global Head of Partners, Temenos, said, “We are proud to support financial institutions to in turn help small businesses apply for rescue loans and accelerate economic aid during this time. disturbance. Our teams – Temenos and the banks – work tirelessly to deliver projects in days that would normally take months. We are delighted that we were able to help Atlantic Union Bank process loan applications and support small businesses and their employees. Temenos’ advanced cloud technology gives banks the flexibility and agility to digitally meet rapidly evolving customer needs and respond immediately to new government requirements.

Christine Barry, Research Director, Wholesale Banking Services, Aite Group said: “Banks are struggling to understand the implications of Covid-19 not only because they need to ensure seamless business and operational continuity. of their systems, but because they must also react. exceptional requests from governments such as the PPP in impossible deadlines. Temenos Infinity, with a dynamic digital banking user experience and flexible technology, can help banks meet immediate customer and regulatory demands, as well as anticipate future changes such as new stimulus packages or changes in business lines. application process.

Blue Moon Mining regains 100% ownership of the Blue Moon zinc-silver project Tue, 23 Mar 2021 05:30:55 +0000

VANCOUVER, BC / ACCESSWIRE / December 2, 2020 / Blue Moon Zinc Corp. (TSXV: MOON) (OTC PINK: BMOOF) (the “Society“) announces that it has regained 100% ownership of the Blue Moon zinc-silver project in the western United States. Former joint venture partner, Platina Resource Ltd. (” Platina “), successfully drilled the holes BMZ 79 and BMZ 80 in late 2019, which significantly improved the project and widened the high grade mineralization.

Further details on the drilling results can be found in the Company’s press releases dated January 24, 2020 and February 3, 2020. Despite the very positive results, Platina was unable to meet the initial acquisition requirement of the joint venture agreement to drill 10,000 meters on schedule. Consequently, the Company retains a 100% interest in the Blue Moon project.

“We would like to thank Platina for funding and executing a successful drilling program and advancing the Blue Moon Project. The results of the BMZ 79 and BMZ 80 reinforce our confidence in the Blue Moon project and our renewed commitment to drill and develop the asset ourselves in 2021. The value of the project has also been boosted by the recent price increases for zinc, copper, gold and silver.. ” declared Patrick McGrath, CEO of Blue Moon Zinc.

Over the next two months, Blue Moon will complete planning for an aggressive drilling program to follow up on the positive results achieved in the Platina-funded drilling.

About Blue Moon

Blue Moon (TSX.V: MOON; OTC PINK: BMOOF) is currently advancing its 100% California-owned polymetallic Blue Moon deposit, which contains zinc, gold, silver and copper. The deposit is open at depth and longitudinally. The Blue Moon 43-101 mineral resource comprises 7.8 million tonnes inferred at 8.07% zinc equivalent (4.95% zinc, 0.04 oz / t gold, 0.46% copper, 1 , 33 oz / t silver), containing 771 million pounds of zinc, 300,000 ounces of gold, 71 million pounds of copper and 10 million ounces of silver. The 43-101 Mineral Resource Report dated November 14, 2018 was prepared by Gary Giroux, P.Eng., And Lawrence O’Connor, a Qualified Person, and entitled “Resource Estimate for the Blue Moon Massive Sulfide Occurrence”. The 43-101 and related press release containing details of the resource are available on the company’s website and was filed at on November 20, 2018. The company also owns 100% of the Yava polymetallic project in Nunavut which is in the same volcanic lithologies and south of Glencore’s Hackett River deposit. More information is available on the company’s website (

Neither the TSX Venture Exchange nor its Regulation Services Provider (as that term is defined in the policies of the TSX Venture Exchange) accepts responsibility for the adequacy or accuracy of this release.

Qualified people

John McClintock, P. Eng., Director of the Company, is a Qualified Person within the meaning of NI 43-101, has reviewed the scientific and technical information that forms the basis of this press release.

For more information please contact:

Patrick McGrath, CEO

Investor contact:
Kevin shum
Investor Relations
+ 1-647-725-3888 ext 702

The resource estimates included in this press release are forward-looking statements. Although the Company believes that the expectations expressed in these forward-looking statements are based on reasonable assumptions set out in the relevant technical report and otherwise, such statements are not guarantees of future performance and actual results or developments may differ materially from those of forward-looking statements. staring statements. Factors that could cause actual results to differ materially from those of forward-looking statements include market prices for raw materials, results of future exploration, uncertainties relating to the ability to obtain permits, licenses and titles. necessary, changes in government policies regarding mining, as a result of the availability of capital and financing, and general economic, market or business conditions. Investors are cautioned that these statements are not guarantees of future performance and that actual results or developments may differ materially from those projected in the forward-looking statements. Readers are cautioned not to place undue reliance on such forward-looking information, which is given as of the date on which it is expressed in this press release, and the Company makes no commitment to publicly update or revise any forward-looking information, whether as a result of new information, future events or otherwise, except as required by applicable securities laws.

The securities mentioned in this press release have not and will not be registered under the US Securities Act of 1933 and may not be offered or sold in the United States absent registration or applicable exemption of the securities. registration requirements.

THE SOURCE: Blue Moon Resources

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Frost Bank Executives Provide Advice to San Antonio Area Small Businesses Navigating the PPP Lending Process Tue, 23 Mar 2021 05:30:55 +0000 Some San Antonio groups wanting to provide assistance to very small local businesses seeking federal stimulus money have turned to the bankers at Frost Bank for tips.

They target companies with less than 50 employees.

In a conference call Thursday, Frost Bank CEO Phil Green and other bank officials shared the ins and outs of the Paycheck Protection Program – a stimulus program run by the Small Business Administration which distributes millions to small businesses to use for payroll and other expenses like rent and utilities.

“We applied the things we learned from the very arduous process of applying for these P3 loans through the SBA and kind of put together a presentation,” said Frost spokesperson Bill Day.

Frost Bank was among the banks that processed the most loans in San Antonio in the first round of PPP funding, which provided $ 349 billion to businesses last month. The second round, with $ 310 billion, is underway.

The conference call was hosted by CEO and President of the San Antonio Economic Development Foundation, Jenna Saucedo-Herrera. She is part of an economic transition team formed last month by Mayor Ron Nirenberg and Bexar County Judge Nelson Wolff to determine how businesses and activities interrupted by the pandemic can safely resume.

However, Governor Greg Abbott last week chose to allow many businesses to reopen – before the group could release its own report.

Also in attendance included LiftFund CEO and President Janie Barrera, representatives from the nonprofit groups San Antonio for Growth on the Eastside (SAGE) and Westside Development Corp., and officials from the UTSA Small Business Development Center.

Frost Bankers shared their experience with the PPP process.

“What slowed down PPP requests the most early in the process was that the request was not filled out correctly,” Day said.

But the SBA also wanted information that was not in the loan application, such as a North American Industry Classification System (NAICS) code, which classifies a business by its industry, Day said.

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A-Mark Precious Metals Secured Loan Subsidiary, Tue, 23 Mar 2021 05:30:54 +0000

EL SEGUNDO, Calif., May 22, 2019 (GLOBE NEWSWIRE) – Collateral finance company (CFC), an authorized financial lender in California and a subsidiary of A-Mark Precious Metals, Inc. (NASDAQ: AMRK), one of the leading full service providers of products and services in the global precious metals market, today launched a redesigned website ( The combination of the new website and a recently introduced online application and account management system is expected to both significantly improve the customer experience and position CFC to grow its loan portfolio. These improvements are consistent with A-Mark’s broader corporate strategy of deploying cutting-edge technology on its platform.

The new website features CFC’s loan program in an engaging format that educates potential borrowers on how they can achieve cash in bullion and numismatics without having to sell their assets. Website visitors are encouraged to complete a loan application online while existing customers can log into their accounts to pay their bills through the Automated Clearing House (ACH) network, wire transfers, or credit cards. Depending on market conditions and other factors, clients may also request additional loans.

CFC’s new digital platform has been designed to integrate with the websites of major third-party resellers who wish to offer precious metals loans to their customers. Whether under the CFC banner or “white label” with the name of a partner distributor, these programs are expected to expand CFC’s customer base by bringing a significantly larger number of precious metal holders into CFC’s loan program. . CFC expects its first platform integration with a third-party reseller to go live later this year.

“CFC is delighted to launch its new website which has been designed to complement its recently introduced online account and application management engine,” said Steve Reiner, executive vice president of financial products and ancillary services. ‘A-Mark. “These impactful and highly differentiated resources, combined with CFC’s 15-plus years of market leadership and the financial means provided by the $ 100 million asset-backed securitization that A-Mark closed last year, provide at CFC a powerful blend of consumer awareness, user friendly platforms and the financial resources to expand its secured lending business.

Armik Zakian, Chief Information Officer and Digital Transformation at A-Mark, added: “The launch of CFC’s new website marks the latest initiative in our overall strategy of injecting technological innovations into the A ecosystem. -Mark. These improvements will help us effectively secure new business, provide our customers with an enhanced experience, and establish an environment conducive to continuous innovation.

About A-Mark Precious Metals
Founded in 1965, A-Mark Precious Metals, Inc. (NASDAQ: AMRK) is a leading full-service precious metals trading company and wholesaler of gold, silver, platinum and palladium bullion and commodities related. The company’s global customer base includes sovereign and private currencies, manufacturers and manufacturers, refiners, resellers and online retailers, financial institutions, industrial users, investors, collectors and retail customers. The company operates in three complementary segments: wholesale and ancillary services, secured loans and direct sales.

A-Mark operates several business units within its Wholesale and Ancillary Services segment including Industrial, Currency & Bar, Trade & Finance, Transcontinental Depository Services (TDS), Logistics, and Money. Its industrial unit serves manufacturers and manufacturers of products using precious metals, while its coins and bars unit processes more than 200 different products for distribution to dealers and other qualified buyers. As the US Mint’s authorized buyer of gold, silver and platinum coins, A-Mark purchases bullion products directly from the US Mint for sale to its customers. A-Mark also has concessions with other sovereign currencies, including Australia, Austria, Canada, China, Mexico, South Africa and the United Kingdom. Thanks to his TDS A subsidiary, A-Mark provides precious metals storage and management solutions to its customers around the world. Through its subsidiary AM Global Logistics, A-Mark provides its customers with a range of complementary services, including the storage, shipping and secure delivery of precious metals and personalized parts. A-Mark also owns a controlling interest in a joint venture that owns the minting operations known as SilverTowne Mint, which allows A-Mark to manufacture exclusive products and provides better access to manufactured silver products.

The company operates its secured loan segment through its wholly owned subsidiary, CFC. Founded in 2005, CFC is an authorized financial lender in California that creates and acquires loans secured by bullion and numismatic coins. Its clients include coin and precious metal dealers, investors and collectors.

A-Mark operates its direct sales segment through its wholly owned subsidiary Goldline Inc., a direct retailer of precious metals to the investment community. Goldline markets A-Mark’s precious metal products through various channels, including radio, television and the Internet.

A-Mark is headquartered in El Segundo, California, and has offices and facilities in Vienna, Austria, and Las Vegas, Nevada. For more information visit

Company details :
Thor Gjerdrum, President
Precious Metals A-Mark, Inc.

Investor Relations Contact:
Matt glover
Investor Relations Gateway

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Holstein Association USA Research Fellowship Program Seeking Applicants Tue, 23 Mar 2021 05:30:54 +0000 The information below has been provided by dairy traders and other industry organizations. It has not been edited, verified or endorsed by Hoard’s Dairyman.

The mission of Holstein Association USA is to provide leadership, information and service to help members and dairy farmers around the world be successful. To continue this mission, Holstein Association USA invites research proposals with expected results to benefit the profitability of Holstein cattle. Research may involve traditional production disciplines of genetics, nutrition or reproduction as well as dairy or economics. Principal investigators from US universities or nonprofit organizations are eligible to apply for grants. The deadline for submitting proposals is August 15, 2020.

Supporting research is a top priority for Holstein Association USA, the world’s largest dairy breed association. Dairy genetics consultant Dr Roger Shanks explains. “I am excited about the Holstein Association USA’s ongoing research program,” says Shanks. “We are starting our fourth call for tenders this year. The overall goal of the whole program is really to try to increase the amount of research being done on Holstein cows, so that we can then help Holstein members to be able to implement and benefit from these search results as they arise.

Holstein Association USA is particularly interested in research that improves the profitability and health of Holstein cattle through genetics, but research proposals from other areas of improvement are also being sought. Research into the economic benefits of Holstein cows or their products is also welcome. Research funded by HAUSA grants is expected to be innovative, exploratory, and based on sound science. Research proposals of all sizes will be considered, but Holstein grants should be funded in the range of $ 10,000 to $ 80,000 per year. The duration of the grants should be one to three years.

Holstein Association USA has funded three projects to date. One at North Carolina State University examining how genomic information can be used to manage inbreeding; a second project at the University of California-Davis exploring the possibility of breeding Holstein cows for heat tolerance using the smooth coat gene. The third project is currently being completed at the University of Wisconsin-Madison, investigating the genetic and physiological aspects of double ovulation and twinning in lactating Holstein cows. These research projects hold great potential for future progress with recorded Holsteins in the United States.

More details on the guidelines and the grant process can be found on the Holstein Association USA website, For questions or more information, contact the Holstein Association USA Dairy Genetics Consultant, Dr. Roger Shanks, at

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How to refinance your mortgage in 5 easy steps Tue, 23 Mar 2021 05:30:53 +0000

Mortgage rates are at record highs and refinancing your home loan is easy. (iStock)

Do you think it’s time to refinance your mortgage? You are in good company.

Refinancing applications in the United States rose 6.8% in the week ending August 7, nearly double the volume of a year ago, according to the Mortgage Bankers Association (MBA) Weekly Mortgage Application Survey. Chalk up the refi incentive to record mortgage rates: The average rate on a 30-year fixed mortgage has hovered below 3% in recent weeks, mortgage giant Freddie Mac reports.

You can explore your mortgage refinancing options by visiting Credible.

If you’ve never refinanced a mortgage before, don’t worry, refinancing your home is actually pretty straightforward and can lower your monthly payments. Here are the five steps you will take.

  • Step 1: Determine your financial goal
  • 2nd step: Check your credit score and credit reports
  • Step 3: Gather your refinancing application documents
  • Step 4: Compare the prices
  • Step 5: Navigate through the settlement

Read on to learn more about how these steps can help you make sure you’re ready to refinance.

Step 1: Determine Your Financial Goals

It is important to determine what your motive is and whether the cost of refinancing is worth it in the long run. You will likely refinance for one of these four reasons:

  1. To reduce your mortgage payments. You may want to refinance in order to get a lower mortgage rate. In fact, about 15.6 million homeowners – or 30% of those with a mortgage – could cut their monthly payment by $ 289 if they refinance at today’s rates, according to data provided to Yahoo Money by Black Knight, a loan research and analysis company. You can use a online mortgage refinance calculator to determine what your new monthly mortgage fees would be.
  2. To pay off your house faster. Refinancing can allow you to shorten the term of your loan, such as going from a 30-year mortgage to a 15-year mortgage, and pay off your mortgage in less time. The caveat: Paying off your loan faster usually means your mortgage payments will go up.
  3. Stop paying for private mortgage insurance. If you got a loan from the Federal Housing Administration (FHA) when you bought your home, you pay mortgage insurance (PMI) – a premium which generally costs 0.55% to 2.25% of the initial amount of your loan per year. Refinancing an FHA loan is the only way for you to stop paying the PMI.
  4. To tap into the equity in your home. You can also refinance to take money out of your home in the form of a Home Equity Loan (HEL) or Home Equity Line of Credit (HELOC). This is usually done to make home improvements, pay for college, consolidate debt, or make a down payment on a second home.

You can visit Credible to get prequalified mortgage refi rates in minutes without affecting your credit score.


Step 2: Check Your Credit Score and Credit Reports

The average FICO score in the United States reached a record high of 703 in 2019, according to Experian credit bureau data. But, only borrowers with excellent credit scores – read: credit scores of 740 or higher – qualify for the best mortgage rates.

See if you qualify for lower rates with your current credit score – just enter your information into Credible’s free online tools to see loan options and quotes in minutes without hurting your score.

You can get a free estimate of your credit score by visit In addition, you are entitled to a free annual credit report from each of the three major credit reporting agencies in the United States – Experian, Equifax and TransUnion – at Check your credit reports for mistakes that can lower your score – one in four Americans in one Federal Trade Commission investigation said they found errors in their reports.


Step 3: Gather your refinancing application documents

By refinancing, you are essentially applying for a new loan, which means you will need to provide documents to verify your income, assets, debts, and employment history.

Here is a list of the most common documents you will need to complete a refinance application:

  • Two years of W-2
  • Two years of tax returns
  • Two months of bank statements for any savings accounts and wealth statements
  • A list of your current debts
  • A copy of your home insurance policy

To streamline the application process, visit an online marketplace like Credible, where the document upload process is automated and there are fewer forms to fill out to view multiple lenders.


Step 4: shop

To make sure you get the lowest mortgage rate for which you qualify, it’s essential that you take the time to shop around and compare rates from multiple lenders. After all, rates can vary widely from one lender to another.

You can compare lenders and refinance rates by visiting Credible.


Step 5. Navigate through the settlement

Settlement, or “closing,” is the last step in the mortgage refinancing process. This is where you will sign the last papers to get your new loan.

You will need to bring a few items to the fence:

  • Government-issued photo ID, such as your passport or driver’s license.
  • Proof of home insurance.
  • A cashier’s check from your bank or a receipt from a wire transfer for unpaid closing costs. Typically, the closing costs for a refinance range from 2% to 6% of your new loan amount.
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CorMedix Inc.Announces FDA Decision Not Required to Meet New Drug Advisory Committee for Defencath Tue, 23 Mar 2021 05:30:53 +0000
  • The date of the PDUFA remains February 28, 2021

  • Potentially the first antibacterial and antifungal catheter locking solution in the United States to prevent the catheter Related infections in hemodialysis patients

BERKELEY HEIGHTS, NJ, Nov. 18, 2020 (GLOBE NEWSWIRE) – CorMedix Inc. (NYSE American: CRMD), a biopharmaceutical company focused on the development and commercialization of therapeutics for the prevention and treatment of infectious and inflammatory diseases, has announced today that the United States Food and Drug Administration (FDA) has decided to cancel the Antimicrobial Drug Advisory Committee meeting tentatively scheduled for January 14, 2021 to discuss the New Drug Application (NDA) for Defencath ®. When the FDA agreed to file the company’s submitted NDA and granted priority review, it set February 28, 2021 as the Prescription Drug User Fee Act (PDUFA) date for the completion of its review for the drug. approval of the NDA. The Agency noted that it was planning to hold an advisory committee meeting to discuss the request for the use of Defencath as a catheter locking solution in hemodialysis patients for the prevention of catheter-related bloodstream infections (CRBSI ) and that she had not identified any potential to investigate the issues at that time. CorMedix has been advised that based on the Agency’s continued dialogue with the Company, no discussion in an advisory committee is necessary, and it will continue to work on the application with CorMedix during the remainder of the cycle. exam.

Khoso Baluch, CEO of CorMedix, commented: “We are very pleased with the level of engagement between the FDA and the CorMedix team during the NDA review process. We look forward to the completion of the NDA review and are considering all strategic options to be able to successfully bring Defencath to the US market as soon as possible.

Phoebe Mounts, Executive Vice President and General Counsel, CorMedix, added, “It is gratifying that the tremendous efforts of the CorMedix team have allowed continued progress with the FDA in reviewing the NDA and that ‘It was decided that no discussion with an advisory committee is necessary. We intend to continue our efforts and dialogue with the Agency to ensure that the priority review process can be completed quickly to address the unmet medical need of hemodialysis patients for an antimicrobial catheter lock solution. to prevent life-threatening CRBSIs.

About CorMedix

CorMedix Inc. is a biopharmaceutical company focused on the development and commercialization of therapeutic products for the prevention and treatment of infectious and inflammatory diseases. The Company is focused on the development of its flagship product Defencath®, a novel antibacterial and antifungal solution designed to prevent costly and life-threatening blood infections associated with the use of central venous catheters in patients on chronic hemodialysis. Defencath has been designated by the FDA as a Fast Track and Qualified Infectious Disease Product, which provides an additional five years of market exclusivity, in addition to the five years granted to a new chemical entity after NDA approval. CorMedix also intends to develop Defencath as a catheter locking solution for patients in oncology and total parenteral nutrition. It is leveraging its taurolidine technology to develop an antimicrobial medical device pipeline, with programs of surgical sutures and mesh and topical hydrogels. The Company is also working with leading researchers to develop taurolidine-based therapies for rare pediatric cancers. Neutrolin ™ is CE marked and marketed in Europe and other territories as a medical device. For more information visit:

Forward-looking statements

This press release contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995 which are subject to risks and uncertainties. All statements, other than statements of historical fact, regarding CorMedix’s expectations, beliefs, objectives, plans or prospects, future financial condition, financing plans, future revenues and projected costs of management should be viewed as prospective. Readers are cautioned that actual results may differ materially from projections or estimates due to a variety of important factors, including: the results of our discussions with the FDA regarding the path to development of Defencath, including whether a second phase clinical trial 3 will be required for the approval of the marketing authorization for Defencath; the resources required to obtain approval of the new drug application for Defencath from the FDA; risks and uncertainties associated with CorMedix’s ability to manage its limited cash resources and the impact on current, planned or future research, including the continued development of Defencath / Neutrolin and the search for additional uses for taurolidine; securing additional funding to support CorMedix research and development as well as clinical activities and operations; preclinical results do not indicate the success of clinical trials and may not be replicated in subsequent studies or trials; and the ability to retain and hire the necessary personnel to staff our operations appropriately. At this time, we are unable to assess whether, and to what extent, the uncertainty surrounding the coronavirus pandemic may impact our business and operations. These and other risks are described in more detail in CorMedix’s filings with the SEC, copies of which are available free of charge on the SEC’s website at or on request from CorMedix. . CorMedix may not achieve the objectives or plans described in its forward-looking statements, and investors should not place undue reliance on such statements. CorMedix assumes no obligation and does not intend to update these forward-looking statements, except as required by law.

Investor contact:
Dan Ferry
General manager
LifeSci Advisors
(617) 430-7576

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