Cash Advances – Payday Loans For Livet Tue, 21 Jun 2022 07:21:10 +0000 en-US hourly 1 Cash Advances – Payday Loans For Livet 32 32 Human Machine Interface (HMI) Market Expected to Reach USD Tue, 21 Jun 2022 05:40:30 +0000

New York, United States, June 21, 2022 (GLOBE NEWSWIRE) — According to a comprehensive research report by Market Research Future (MRFR), “HMI market Analysis by Components, Configuration Type (Standalone, Embedded), End User (Automotive, Semiconductor, Pharmaceutical, Oil & Gas, Food & Beverage, Aerospace & Defense) – Planned evaluation through 2027 is about to be completed. ‘reach USD 7.24 billion by 2026, registering a CAGR of 4.80% throughout the forecast period (2021-2026).

HMI market overview

The Human Machine Interface market is poised to experience notable revenue growth with improved HMI frameworks conveying higher usual accommodation.

Scope of HMI Market Report:

Report metric Details
Market size $7.24 billion
CAGR 4.80%
base year 2020
Forecast period 2021-2026
Historical data 2019
Forecast units Value (USD billion)
Report cover Revenue forecasts, competitive landscape, growth factors and trends
Segments Covered Components, end user and region
Geographical areas covered North America, Europe, Asia-Pacific and Rest of the World (RoW)
Main suppliers Siemens AG, Honeywell International Inc., ABB Ltd., Rockwell Automation Inc., Schneider Electric SE, Clarion Co. Ltd. (Japan), Robert Bosch (Germany), Denso Corporation (Japan), Synaptics Incorporated (USA), Voicebox Technologies (USA) Magneti Marelli SpA (Italy), Altran Technologies, SA (France), Delphi PLC (United Kingdom United States), Continental AG (Germany), Alpine Electronics, Inc. (Japan), Valeo SA (France), Visteon Corporation (United States), and Luxoft Holding, Inc. (Switzerland)
Key market opportunities Rapid and innovative HMI arrangements and extensive R&D exercises by Territorial Trade Members are needed to open doors to the HMI market
Key Market Drivers Players working in the auto human-machine interface market are gradually devoting resources to improving car HMI frameworks to improve customer reception

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The emergence of driverless cars and automated driving is influencing the growth of the HMI market. The human-machine interface industry is expected to undergo a momentous change thanks to the rapid technological revolution. The development of new products and exceptionally unique and versatile technological advances improving the adaptabilities of dashboard format are the latest trends in the human-machine interface market.

The market is expected to experience an explosion in demand soon, which will help it grow significantly. Additionally, growing preference for connected cars and premium vehicles and increasing vehicle sales are bolstering the market demand. The recent entry of high-tech companies such as Google has further boosted the growth prospects of the market. Additionally, the attractive advantages of HMI in various industries are favoring the Human Machine Interface market size.

Why is HMI becoming more important?

Human-machine interface (HMI), also widely known as man-machine interface or computer-human interface, enables communication between humans and machines, the mechanism for detecting external conditions. The growing use of Internet of Things (IoT) creates a vast need for an advanced HMI to interact with and control various connected devices.

Today we live in a world of interconnectivity, and IoT is crucial to connect industrial and consumer products through the Internet and HMIs are required to operate these devices. In recent years, with the latest technological upgrades, HMIs have become more sophisticated. Adding an HMI to a workplace or the most demanding industrial applications benefits a facility by improving productivity, operation and safety.

HMIs are everywhere, from high-tech machines and embedded (automotive) systems to vending machines. Several industries, such as pharmaceuticals, manufacturing plants, food and beverage, and utilities, use HMIs. In many industries, an HMI is the backbone of the production line, where it dramatically improves operations by enabling data acquisition, supervisory control, enhanced inventory control, and verification of every aspect of the lines. Manufacturing.

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Human Machine Interface Market Segments

The HMI Market report is segmented into Components, Technology, Interface, Configuration, End User and Regions. Among these, the component segment includes hardware and software. Then, the technology segment includes optics, acoustics, bionics, materials and motion. The interface segment includes equipment and programming.

The configuration segment includes standalone, integrated, and others. The end-user segment includes automotive, semiconductor, pharmaceutical, oil & gas, food & beverage, aerospace & defense, etc. Further, the regional segment is sub-segmented into Asia Pacific, Americas, Europe and Rest of the World.

HMI Market Regional Analysis

North America dominates the global human-machine interface market. Factors driving the growth of the market include high per capita income, large number of car users, as well as rapid advancements and adoption of futuristic technologies. Also, the presence of technologically advanced companies is further boosting the HMI market share.

The European human-machine interface market is likely to grow rapidly owing to the large presence of well-established automotive industries in France, Sweden, and Germany. The Italian luxury car industry, in particular, is providing further impetus to the human-machine interface market.

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The size of the human machine interface market in Asia-Pacific is expected to grow exponentially in the coming years. Rapidly growing manufacturing sectors and increasing integrations of futuristic HMIs in vehicles are increasing the market shares of the region. Additionally, considerable financial improvement in the region is having a positive impact on market growth, increasing discretionary cash flow in end-use industries. APAC countries, such as Japan, South Korea, China, and India, account for significant regional market shares, with significant technological advancements and leadership in data and electronics.

The HMI market in the Middle East benefits from wealthy Gulf countries, such as Saudi Arabia, Qatar and Kuwait. On the other hand, the African market is likely to lag due to poor infrastructure and low incomes.

Human Machine Interface Market Competitive Analysis

The Dominant Key Players in the Human Machine Interface Market Covered Are:

  • Siemens AG
  • Honeywell International Inc.
  • ABB Ltd.
  • Rockwell Automation Inc.
  • Schneider Electric SE
  • Clarion Co.Ltd. (Japan)
  • Robert Bosch (Germany)
  • Denso Corporation (Japan)
  • Synaptics Incorporated (USA)
  • Voicemail Technologies (US)
  • S.A. (France)
  • Delphi PLC (UK)
  • Continental AG (Germany)
  • Alpine electronics
  • Inc. (Japan)
  • Valeo SA (France)
  • Visteon Corporation (USA)
  • Luxoft Holding Inc. (Switzerland)

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Highly competitive, the HMI market appears fragmented due to the presence of several well-established industrial players. These players initiate strategic approaches such as mergers and acquisitions, collaboration, expansion, and technology launches to gain greater competitive advantage. Another strategy adopted by HMI vendors is to work closely with end users to deliver customized solutions and achieve a steady flow of demand, which benefits both partners.

For example, recently, on June 8, 2022, Volvo Cars and Epic Games announced their collaboration to develop a real-time 3D automotive HMI. Volvo unveils its vision for real-time, photorealistic 3D content that will revolutionize the role of the in-vehicle human-machine interface (HMI), bringing new customer value and the outside world safely into the vehicle.

The underlying technology includes an unreal engine, and the visualization tool developed by Epic Games is used to power one of the biggest games, Fortnite. Said Unreal Engine would run on the HMI, providing cutting-edge graphics and a host of other features new to the car but thoroughly proven in the gaming industry.

In another case, on June 22, 2022, Cincoze, a rugged embedded computer brand, launched its edge computing solutions complete with display for smart manufacturing at Embedded World 2022, Germany. The official launch of many new products demonstrated the finesse of Cincoze in on-board computer systems.

Its rugged integrated fanless computers feature state-of-the-art computing solutions for harsh environments. Integrated GPU computers feature GPUs for machine vision and AI deep learning, real-time processing of large images, plus modular panel PC and industrial monitors for HMI display computing solutions .

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		Reinvigorated drug task force targets long-term investigations with big busts
		Sun, 19 Jun 2022 10:28:02 +0000


The Delaware County Drug Task Force recently completed its third major, long-running investigation since District Attorney Jack Stollsteimer took office in 2020.

Stollsteimer said Friday he had called on Criminal Investigations Division Chief James Nolan IV to reinvigorate the task force as part of his vision for the office, but Nolan this week said he couldn’t do it alone. The task force’s success, he says, is largely due to cooperation between law enforcement agencies and a change in philosophy in the way investigations are conducted.

“With narcotics investigations, we decided to do more long-term than street trafficking,” Nolan said. “Is there traffic at street level? Sure. But many more are inside bars or places where we have to use other methods to get in, whether it’s undercover work or surveillance. We have changed our methods quite a bit.

Without going into the details of these methods, Nolan said the nature of the drug industry and law enforcement is a cyclical pattern of ever-changing methods to thwart each other. The drug industry tries to stay one step ahead of law enforcement, law enforcement changes tactics to make arrests, these tactics are then exposed and the drug industry s adapt accordingly. It’s an ever-evolving mission and the pace is only increasing as technology advances in tandem.

“It’s dizzying to see how quickly things change,” Nolan said. “The idea of ​​cash apps 10 years ago wasn’t a thing. It wasn’t even a thought. The idea that I could just send money to someone on the other side from the room or across the world, this kind of technology has really changed our investigative practices. Every day there is a new application, a new function, a new technology.”

The task force includes approximately half of the county’s police departments and approximately 45 officers at any given time, as well as state and federal partners such as the Federal Bureau of Investigation, Drug Enforcement Agency and Pennsylvania State Police. .

But instead of having the DEA come to a particular area to solve a drug problem, Nolan said it’s much better for an officer from that municipality to identify the problem and bring it to the attention of the task force, who can then coordinate and work out a plan to tackle the problem.

“Having assets all the time, they can develop a suspect or a suspicious operation just on the visual evidence of what the police in this city see,” Nolan said. “So let’s say we have someone in the county drug task force in this city, and their patrol division sees suspicious activity at a location, they’ll escalate it to our asset, who will then send it in the chain to supervision here and a work will evolve like this.It can come from complaints from citizens, it can come from the city administration, in many ways.

Having those resources along with training from the Pennsylvania Narcotics Officers Association has made all the difference in conducting the kinds of detailed investigations that Nolan says have so far resulted in 27 arrests over the course of three major operations.

The first, in August 2021, included the arrest of 10 people and the seizure of nearly $140,000 in cash, Nolan said. Two more have taken place this year, one in February and one last week. The February bust involved seven suspected dealers while officers caught 13 people on June 9. A total of 20 firearms were also removed from the streets along with various vehicles and significant quantities of various narcotics.

Despite all the other changes happening in and around the drug game, the adage that guns and drugs go together doesn’t seem to have changed, Nolan noted. Nor was it possible to make deals to move up the industry ladder or solve other crimes the police might get stuck on.

“When you make these arrests, obviously there are people involved in the criminal element,” Nolan said. “With that comes solving other cases, whether it’s non-fatal shootings, homicides, robberies, any number of things that people involved in the drug world do, but we We don’t have any witnesses or evidence at the time. When you do a teardown like this, there are now 30 people who are likely to get information about other crimes.

Key to the task force’s success is sharing information in a more holistic approach, Nolan said, especially in the eastern part of the county where many smaller municipalities and their corresponding police forces pile on top of each other. others.

He pointed to an investigation led by former Sharon Hill detective Vincent Port, who recently joined the ranks of CID, where a group of criminals were engaged in crimes that crossed multiple borders of surrounding towns. None of these could have seemed linked to individual police departments working alone unless they collectively stood down and pooled information, Nolan said.

“One of the biggest things we take away from these county-wide task forces is that information is shared, intelligence is shared, you can find out something,” he said. “The city of Chester and Upper Darby are on opposite ends of the county and wouldn’t interact without something like this, where people would discuss which person involved in the crime lives where in the county. So if someone moved from, say, Eddystone to Darby Borough, without something like this operation, you wouldn’t know. When they share intelligence, that’s how you know who to focus on.

Nolan said consistency at the back with chases is another area that has changed philosophically. No longer assigning cases as they arise, Stollsteimer instead focused on having the same deputies and assistant district attorneys working in the same areas to foster institutional knowledge of the places and actors involved. .

Of course, not all arrests result in convictions, Nolan said. Sometimes it’s a fantastic defense job or a bad jury, or sometimes acquittals happen for no discernable reason. But even in those cases, suspects are at least locked up for several months in the justice system and commit no further crimes, Nolan said, and dangerous substances and weapons are still often confiscated and destroyed.

The task force then goes back to these cases to see what could be done better and tries to apply the lessons learned to the next investigation. All the police can hope to do is get enough information for prosecutors to secure the conviction, he said.

“The group of people that we have doing things across the county – from patrol officers to county-level investigations – are doing very well and keeping up to date as much as they can with the most up-to-date methods possible to make arrests and carry cases,” Nolan said. “I hope this philosophy and this operation will continue and that we will gain more ground on the crime.”

Despite strong demand, weekly natural gas prices dragged down by LNG crash Fri, 17 Jun 2022 21:59:40 +0000

Weekly spot prices lost ground despite modest production and strong cooling demand across much of the lower 48s fueling several daily gains.

Weekly National Average of NGI Spot Gas. for the June 13-17 period fell 94.5 cents to $7.565, dragged lower by an outsized loss on Tuesday related to broader natural gas market sentiment suddenly deteriorating.

Spot prices on the day fell $1,370 following news that the liquefied natural gas (LNG) export project on the island of Quintana, TX, Freeport LNG, will not see a return. to full service before the end of this year. The facility suffered a fire on June 8 and its extended recovery likely means gas once destined for export will be injected into U.S. storage, easing supply issues that had supported prices much of the spring.

On the same Tuesday, the July Nymex contract plunged $1.420 – its third biggest drop on record. The fast month ended Friday at $6.944/MMBtu, down 52.0 cents day/day and 21.5% below the previous week’s close.

Notable weekly cash declines included El Paso Permian, down $1,030 to $7,095, Chicago Citygate, down $1,100 to $7,470, and Enable East, down $1,035 to $7,335.

Despite the weekly decline, spot prices have advanced in three of five sessions over the past week, and analysts expect demand to remain flat through June amid forecasts of widespread heat.

“Mother Nature could drive prices up,” Tom Saal, senior vice president of energy at StoneX Financial Inc., told NGI. “It’s going to be very hot and modest production remains an issue.”

Production has hovered around a lackluster 94-95 Bcf over the past week.

“In our view, until U.S. production reaches more than 97 billion cubic feet per day, the balance between supply and demand will remain tight,” despite the cushion provided by the facility’s surprise closure. of Freeport LNG, said NatGasWeather.

[Want today’s Henry Hub, Houston Ship Channel and Chicago Citygate prices? Check out NGI’s daily natural gas price snapshot now.]

Volatile Futures Contracts

Between Tuesday’s freefall and Friday’s closing drop, futures rallied on Wednesday amid strong cooling demand and modest production.

The first month advanced again on Thursday after the U.S. Energy Information Administration (EIA) reported an injection of 92 billion cubic feet of natural gas into storage for the week ended June 10.

The injection compared to a five-year average increase of 79 billion cubic feet and boosted inventories to 2.095 billion cubic feet.

Still, inventories remained well below the five-year average of 2.418 billion cubic feet, leaving market participants wondering if the gas released from Freeport – around 2.0 billion cubic feet / d – will be enough to strengthen storage at levels high enough to ensure adequate supply for the next. Winter.

The concern was amplified by forecasts of record-breaking heat in June and above-average high temperatures throughout the summer in the Lower 48.

“Overall, the background condition remains bullish,” NatGasWeather said.

Eli Rubin, principal analyst at EBW Analytics Group, agrees.

“Even despite the shutdown of Freeport LNG’s feed gas demand of 2.0 bcf/d, the combination of soaring power sector gas consumption” – potentially increasing by 4, 2 billion cubic feet/d from the EIA period of June 10 to the first week of July – “and stagnant production growth should maintain a tight supply/demand balance. If and when the current extreme heat subsides, the Loss of LNG demand could allow the storage deficit to slip by more than 100 billion cubic feet from early July to early September.In the meantime, however, impressive warmth could help maintain support.

Moreover, as noted Lindsay Schneider, an analyst at RBN Energy LLC, Europe continues to absorb “huge volumes of LNG to compensate for dwindling Russian supplies” due to the war in Ukraine as the continent strives to “strengthen storage before winter”.

Whether U.S. exporters can meet it, demand for LNG is booming and supporting global prices, she said. This, in turn, provides a bullish undercurrent for Nymex futures. “All of this comes as another major exporting nation, Australia, faces its own critical winter energy crisis and South American demand heads towards its seasonal peak, straining an already tight market.” , said Schneider.

Friday Spot Price

After two straight advances on strong cooling demand, spot gas prices fell alongside futures on Friday.

NGI’s Spot Gas National Avg. sank 85.5 cents to $6,770 ahead of the June 16 long weekend.

Demand remained strong ahead of a weekend that was expected to be dangerously hot as far north as the Dakotas.

On Friday, the National Weather Service (NWS) reported widespread highs in the 80s to 90s across the central United States and hundreds in the Southwest. Major eastern markets also baked amid temperatures ranging from the mid-80s to low-90s.

Still, spot prices fell to the lower 48s as markets tried to assess the various moving parts impacting supply/demand balances. Eastern prices led the decline.

Algonquin Citygate fell $1,260 a day to an average of $6,585, while Transco-Leidy Line lost $1,050 to $6,275 and Columbia Gas fell 69.5 cents to $6,560.

Elsewhere, Henry Hub fell 55.5 cents to $7.335 and SoCal Citygate fell 73.0 cents to $6.865.

Unlike Friday’s declines, national cooling demand is expected to prove even more robust in the coming days as high pressure strengthens over the East and South, according to NWS projections.

AccuWeather said 90s highs will cook much of the country in the coming trading week.

Its meteorologists see “widespread highs in the mid to upper 90s with additional areas likely to record temperatures in the 100s,” the company said. “These forecasts represent temperatures around 15 to 25 degrees above average” in many parts of the central and eastern regions of the Lower 48.

“To make matters worse, the high humidity and sunshine will be about as intense as it gets with the summer solstice on Tuesday,” AccuWeather added. “The few days either side of the official start of summer are a time when the rays of the midday sun are as high in the sky as they have ever been at any time in the year. ‘year.”

Can you pay your mortgage with a credit card? What cash-strapped owners and rewards point junkies should know Mon, 13 Jun 2022 22:00:00 +0000

Can you pay your mortgage with a credit card? What cash-strapped owners and rewards point junkies should know

Tempted to make your mortgage payments with a credit card because it sounds like a way to send your rewards points through the roof?

Or maybe you feel the need to make a payment or two on your credit card because your household budget is under pressure from inflation. You would not be alone.

The end of the CARES Act mortgage forbearance in June 2021 made it difficult for some people still financially impacted by the pandemic to make their payments. According to a May release from the Federal Reserve Bank of New York, about 24,000 people had a new foreclosure rating added to their credit reports during the first quarter of 2022, compared to just 9,000 people in the fourth quarter of 2021.

The more you dig into the idea, the sooner you’ll see that making a mortgage payment with your credit card rarely makes financial sense.

Is making a payment on your credit card worth the risk of possibly charging that amount to your credit card balance?

Ultimately, it’s a numbers game. You will need to decide if the points you are pursuing outweigh the potential costs. That’s if your mortgage lender is even willing to accept.

Here are six reasons why paying your mortgage with a credit card is probably a failure.

1. Your mortgage lender probably won’t allow it.

Most mortgage services do not allow borrowers to make payments with a credit card.

Policies vary. But lenders generally prefer to take your money rather than a debt transfer.

2. Your credit card may not allow it either

Visa, Mastercard and American Express have no problem with cardholders making mortgage payments and collecting rewards points from transactions.

However, Bank of America generally does not allow mortgage payments with the credit cards it issues.

3. You can use an intermediary, but it will cost you

You can circumvent objections from your mortgage lender or credit card by using a third-party payment provider as an intermediary.

These services accept your credit card payment and then send a check to the mortgage lender. And, they charge a processing fee for the service – usually up to 3%. If your monthly mortgage payment is $1,000, the charge would be $30.

4. Your credit card may also incur charges

Before using your credit card to pay your lender or a third party, you must confirm with your card issuer that payment will not be made as a cash advance.

Cash advances come with their own fees and a higher interest rate. Credit card purchases typically have an APR of 12% to 20%. The APR on cash advances can reach up to 25%.

5. Don’t forget interest and other fees

If you are unable to pay the mortgage charges charged to your credit card each month, you will also have to pay interest. And if you load up your card with debt, you might find it hard to get rid of it and hurt your credit score.

If you’re late with a card payment, you’ll trigger additional charges and risk further hurting your credit score.

6. Often the math just doesn’t work

The best opportunity to use mortgage payments to leverage rewards is to use a credit card’s initial sign-up bonus. Many cards offer tempting bonus points if you spend a certain amount in the first few months.

Rewards can be worth up to 30% of what you spend. This could be more than enough to cover various service charges and higher interest. But most rewards programs offer daily returns of 2% or less.

If your credit card usage returns are likely to be outweighed by the costs, put your credit card back in your wallet and continue making your mortgage payments some other way.

What to read next

— With files by Samantha Emann

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Personal loan ads on social networks Sun, 12 Jun 2022 00:07:08 +0000

The past few years have been difficult for many Americans. Unfortunately, trying to stretch every dollar to buy basic necessities has become the norm. Some might consider a second or third job to pay the bills.

This is precisely the type of person that payday loans target. Promising quick cash without telling the full story of loan costs, these ads have been popping up on social media platforms like TikTok.

Read on to find out how these companies are bending the rules and why taking a payday loan is bad.

Here is the backstory

All social media platforms have advertising as it is the main way to generate profit. But some sites are not as strict about ad content as others. For example, TikTok claims to have a policy against “exaggerated performance or promises”.

Yet, there are many payday loan messages that target vulnerable users. According to Media Matters for America, three companies are systematically violating TikTok’s advertising policies by promoting payday loans.

Promising instant cash, posts by Earnin, Brigit and Albert target those in need of quick cash with phrasing such as “living paycheck to paycheck” or always being “broke”. It is unclear how advertising is allowed to be on the platform.

TikTok Payday Loans
Credit: Media Matters for America

But Earnin is no stranger to controversy. The company settled a $12.5 million lawsuit three years ago for deceptive lending practices. Brigit and Albert are also not registered with the Better Business Bureau (BBB), as some users claimed there were unexpected charges or missing deposits.

What can you do about it

It may seem like a lucrative opportunity to get some quick cash in your wallet, but there will always be a catch. The interest rate will be exorbitant, and they don’t call it often. Some advertisements will use words such as “fee” or “tip” without mentioning the interest rate.

According to the Consumer Financial Protection Bureau, a two-week payday loan with a $15 fee to borrow $100 gives you an annual percentage rate of 400%. That’s way more than the typical 30% for a high-interest credit card.

This can leave you in a cycle of debt, but according to the BBB, there are safer alternatives to payday loans:

  • Build a budget with an emergency fund. Create a budget so you know how much money you receive and how much you need to pay your bills. This will help avoid needing a loan in the first place. Then set aside money each month to build an emergency fund. You will be covered even if an unexpected expense or emergency occurs.
  • Get credit advice. Get credit counseling if you find yourself unable to pay your bills or caught in a cycle of debt due to a high-interest loan. The US Department of Justice has a list of agencies for people seeking debt reduction assistance. Also see BBB’s advice on credit counseling for more resources.
  • Shop for loans. Compare interest rates, fees and late fees by reading the fine print before choosing a lender. Pay close attention to interest rates and loan rollover fees. Credit unions are a great place to get a small loan with reasonable interest rates. Even credit card cash advances, which typically have double-digit interest rates, likely have lower interest rates than those offered by a payday lender.
  • Contact your creditors if you cannot pay on time. If you realize you won’t be able to make a payment on time, don’t panic. Contact the creditor directly. Many creditors are willing to work with you to design a payment plan you can afford.

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Pest Control Company Wants To Release 100 Cockroaches Into Your Home For $2,000 Fri, 10 Jun 2022 13:41:24 +0000

Short of money ? Need to earn a few dollars quickly? A North Carolina pest control company is offering to pay people $2,000 to allow it to release cockroaches into their homes and film the process of getting rid of them, according to a posting on their website. The company is called The Pest Informer, and they claim to be very passionate about pest control.

Obsessed with pest control

“Here at, we are obsessed with pest control. We have over 20 years of experience in the industry as pest control technicians and own our own pest control businesses, so we know a thing or two about eliminating parasites,” their website states.

The company goes on to say that it is testing more advanced pest control techniques and needs a space to test them. “As technology advances, we’re always looking for the newest and most effective ways to get rid of pests (cockroaches in particular),” the company’s website says.

They are therefore looking for seven households willing to release a hundred cockroaches into their environment to test their new technique. What they don’t specify, however, is what will happen if their new technique doesn’t work.

Will cockroaches stay forever? What havoc will they cause? They note that:At the end of the study, if the cockroach infestation has not been eliminated, we will use traditional cockroach treatment options at no cost to you. »

However, there is no guarantee that these traditional cockroach treatments will be any more effective than the new ones.

They also don’t mention if the technique is toxic to people. Will residents need to evacuate when the house is treated? If so, the expenses they incur while moving may not be worth the money they earn.

Family and pet safe

They mention that “aAll tested cockroach treatments will be safe for the family and pets.” But will they be safe enough for the family to continue living in the house?

The duration of the study is said to be 30 days, and the residents should not try any additional cockroach treatments during this time.

Cockroaches are very common insects with over 4,000 different types of species across the world. In the United States, American cockroaches are among the most common and are notoriously difficult to eliminate.

They have an almost unbreakable hard shell and are very durable. They also tend to spawn at incredible speeds, which means that once you kill a few, there are plenty more on their way.

A single American cockroach can produce an average of two egg cases per week, with each case containing approximately 16 eggs. Besides being quite dirty, the cockroaches are scary to look at, which makes the company’s offer impossible for us.

But who knows, maybe there are bug fans out there who wouldn’t mind sharing their home for 30 days with the dirty bugs. After all, those cockroaches from Apollo 11 wreaked havoc at an auction, and scientists studied them to inspire robots.

Audit reports and tax offenses Tue, 07 Jun 2022 03:00:34 +0000

THE concept of auditing, according to the Lima Declaration, is the creation of a regulatory system whose purpose is to reveal deviations from accepted standards and violations of the principles of legality, efficiency, effectiveness and savings in financial management early enough to allow corrective action to be taken. In individual cases, have those responsible accept responsibility, obtain compensation, or take steps to prevent – ​​or at least make more difficult such violations. Auditing, being a post-mortem exercise, provides an opportunity to review budget execution with a view to providing information and insights that can be used to course-correct in subsequent budget cycles. However, in Nigeria, the annual audit report was successful in providing a general financial overview of MDAs’ budgetary performance as well as recommendations for corrective action where necessary. Despite the recommendations of the Auditor General’s report, it is regrettable that every year tax offenses of varying degrees are still perpetrated. The Auditor General’s report of 2018 and 2019 reveals another circle of infractions, in the conduct of most government departments and government affairs agencies.

In the 2018 audit report, the issues raised range from non-remittance of N48.55 billion to the CRF. There were also cases of non-deduction/under-deduction/non-remission of statutory taxes and stamp duties of N5.42 billion. The OUAGF observed irregularities in the awarding, execution and payment of contracts amounting to 18.37 billion. The report also recorded irregularities in payments and expenditures amounting to N23.48 billion. Others include violating unregistered N8.39bn store items; cash advances/unreimbursed advances of 354.22 million and circumvention of the procurement process of up to 371.75 million naira in some MDAs. Meanwhile, in 2019, the audit report revealed that the federal government’s consolidated financial statements showed unsubstantiated balances of N4.973 billion. The Federal Government failed to audit its financial report on time and as such a whopping N4.973 billion could not be reconciled. This goes against the provision of the Fiscal Responsibility Act, which states that “the federal government should publish its audited accounts no later than six months after the end of the previous fiscal year.” With the continued violations of MDA tax affairs, it seems that no lesson is being learned from the audit reports. It also means that those tasked with enforcing accountability and probity in the use of public funds are either redundant or also beneficiaries of ongoing poor practices in MDAs. Otherwise, it is expected that the Legislative Committees overseeing the respective indicted MDAs will convene the MDAs to explain why such levels of infractions have occurred and ensure that they comply with the Auditor General’s recommendation. .

ICPC and EFCC should take action and invite officers responsible for MDAs to be interviewed; following the findings of these levels of violation in the Auditor General’s report. With this dereliction of duty, the citizens should demand the amendment of the FRA. The FRA, when amended, recommended penalties for non-payment/underpayment of revenue. The article provides as follows: “Any person who fails to pay funds in accordance with article 23 of this law commits an offense and is liable, on conviction, to imprisonment for not less than one (1) year or a fine of not less than N2,000,000.00 (Two Million Naira) or both imprisonment and fine, and shall further remit the full amount as well And: “Any person who partially remits funds under Section 23 of this Act commits an offense and is liable on conviction to imprisonment for not less than six (6) months or a fine of not less than NI 000,000.00 (one million Naira) or both imprisonment and a fine, and shall further remit the full amount so due.” In the event discrepancy of the consolidated financial statements within the six-month period provided for by the FRA, the amended article also provides for the following sanction: “Any person e who, without lawful excuse, fails to perform an obligation imposed on him or assigned to him a position he holds under this Act commits an offense and is liable, if convicted, to imprisonment for at least three (3) months or a fine of at least N500,000 or both a fine and imprisonment.

To enforce this provision, the new amendment gives citizens interested in anti-corruption the legal capacity to enforce the provision of the law by obtaining prerogative orders or other remedies from the Federal High Court, without having to prove any prejudice (personal or otherwise) or to show any special or particular interest in the cause of action. The Act also provides that the court shall have the power, whether in criminal or civil proceedings brought under the provisions of this Act, to order the recovery of any proceeds of fraudulent enrichment or advantage improperly obtained by or conferred on any person from any public revenue, fund or other opportunity belonging to the government. Once again, to end the continued violation of norms in the use of public resources, well-meaning Nigerians should push for a speedy amendment of the Fiscal Responsibility Act.

  • Emejuiwe, public affairs analyst, writes from Abuja.


Revealed! Details of APC South West leaders’ meeting with presidential candidates

US: Three dead in Iowa church after Biden’s gun speech

MORE revelations have emerged about Friday’s meeting held by South West leaders of the All Progressives Congress (APC) with aspirants from the area, whose main focus was on how to avoid a crisis that will create a party fractured as he prepares for the primary on May 30-31, the Sunday Tribune reliably collected…

Supreme Court allowed officials to participate in politics, Falana tells FG

Nigerian workers are constitutionally free to participate in politics, said the lawyer, Mr. Femi Falana. He was responding to the central government’s warning to civil servants to stay out of politics…

Battle for new Alaafin begins as ruling houses insist on producing next Oba

US: Three dead in Iowa church after Biden’s gun speech

Critical comparison between Orange County Bancorp (NASDAQ:OBT) and CCUR (OTCMKTS:CCUR) Sun, 05 Jun 2022 12:24:30 +0000

Orange County Bancorp (NASDAQ:OBT – Get Rating) and CCUR (OTCMKTS:CCUR – Get Rating) are both small cap finance companies, but which is the best investment? We’ll compare the two companies based on valuation strength, profitability, risk, institutional ownership, earnings, dividends, and analyst recommendations.

Benefits and evaluation

This chart compares gross revenue, earnings per share, and valuation of Orange County Bancorp and CCUR.

Gross revenue Price/sales ratio Net revenue Earnings per share Price/earnings ratio
Bancorp of Orange County $76.53 million 2.61 $21.29 million $4.14 8.57
CCUR $5.87 million N / A $12.23 million N / A N / A

Orange County Bancorp has higher revenue and profit than CCUR.


This table compares the net margins, return on equity, and return on assets of Orange County Bancorp and CCUR.

Net margins Return on equity return on assets
Orange County Bank 27.28% 15.32% 1.05%
CCUR N / A N / A N / A

Analyst Recommendations

This is a summary of current ratings and target prices for Orange County Bancorp and CCUR, as reported by MarketBeat.

Sales Ratings Hold odds Buy reviews Strong buy odds Rating
Bancorp of Orange County 0 0 0 0 N / A
CCUR 0 0 0 0 N / A

Volatility and risk

Orange County Bancorp has a beta of 0.54, which means its stock price is 46% less volatile than the S&P 500. In comparison, CCUR has a beta of 526.7, which means its stock price is 52,570% more volatile than the S&P 500.

Insider and Institutional Ownership

39.4% of Orange County Bancorp’s shares are held by institutional investors. 1.9% of CCUR shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers, and hedge funds believe a company is poised for long-term growth.


Orange County Bancorp beats CCUR on 6 of the 8 factors compared between the two stocks.

About Orange County Bancorp (Get a rating)

Orange County Bancorp, Inc., through its subsidiaries, provides commercial and consumer banking products and services, as well as trust and wealth management services to small businesses, middle market businesses, local municipal governments and wealthy individuals. It accepts various deposit products, including interest-bearing and non-interest-bearing current accounts, money market deposit accounts, savings accounts and certificates of deposit. The Company also offers commercial real estate loans, commercial and industrial loans, commercial real estate construction loans, residential real estate loans, home equity loans and consumer loans. In addition, it provides traditional trust and administration, asset management, financial planning and wealth management services. The company operates 14 full-service branches and a loan origination office in Orange, Westchester, Rockland and Bronx counties in New York. Orange County Bancorp, Inc. was founded in 1892 and is headquartered in Middletown, New York.

About CCUR (Get a rating)

CUR logoCCUR Holdings, Inc., through its subsidiaries, is engaged in the merchant cash advance (MCA) and real estate businesses. The company provides advances on future trader receivables, as well as sources of syndication capital and trader leads for MCA backers; and reports and other administrative services. It also offers commercial mortgages to local, regional and national builders, developers and commercial landowners; and acquires, owns and manages a portfolio of properties to be developed. The company was formerly known as Concurrent Computer Corporation and changed its name to CCUR Holdings, Inc. in January 2018. CCUR Holdings, Inc. was founded in 1966 and is headquartered in Duluth, Georgia.

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2 home hopefuls in northwest Arkansas head for runoff Fri, 03 Jun 2022 09:54:51 +0000

A hotly contested State House race in northwest Arkansas has a Republican runoff on June 21.

Businesswoman Denise Bugos of Cave Springs and Scott Richardson, an information systems manager, of Bentonville led a group of four Republicans vying for the District 13 House seat in the May 24 primary. The winner of their runoff will face Jen Standerfer of Rogers, a Democrat, in the November 8 general election.

State law requires a runoff between the two leading candidates in a primary if no candidate obtains a clear majority — 50% plus one or more — in the primary. This is to ensure that no candidate stands in the general election with only a plurality of primary votes.

Bugos led the pack with 763 votes or 37%, final but unofficial results. Richardson showed 692 votes for 34%. Bentonville City Council member Aubrey Patterson won 430 votes for 21% while Bentonville attorney Greg Payne won 173 votes for 8%.

Bugos entered the second round with a campaign cash advantage, according to campaign finance records. She received the endorsement of former Gov. Mike Huckabee, as confirmed by Huckabee’s Political Action Committee.

Richardson garnered the endorsement of the other two candidates who were in the district primary, according to a statement from his campaign. It is also Richardson’s third campaign and second run-off for the House, having also run in 2018 and 2020.

Both candidates said in interviews they were the best choice for voters because they could be an effective legislator right away.

Bugos cited his business experience, including his ability to negotiate business deals and work with budgets.

Richardson cited his active role in local Republican politics, including his good relationship with members of the Northwest Arkansas delegation. He also noted his knowledge of information systems, an area he said was vital to the continued prosperity of northwest Arkansas.

“Look at the technology growth in our region,” Richardson said in a phone interview Wednesday. Sustaining that growth will require lawmakers who understand the technology and won’t make mistakes of inexperience that will hinder that growth, he said. Legislators with a deep understanding of technical issues ranging from expanding broadband computer connectivity to providing charging stations and other infrastructure for electric cars are needed, he said. He is the best candidate in the race to deal with these issues, he said.

“It’s going to be critical,” added Richardson.

Richardson came within 12 of 1,880 votes to win his race against then-incumbent Rep. Dan Douglas, R-Bentonville, in the 2018 Republican primary. It was Richardson’s first race. He tried again in 2020 after Douglas announced he would not run again. Richardson led the main field among three candidates, but lost to Rep. Delia Haak, R-Gentry, in a runoff. Haak is undisputed in a neighboring district, House District 17, after legislative district boundaries were redrawn last year.

“I support Scott Richardson for state representative,” Patterson said in the statement provided by Richardson. “Scott is a strong conservative who will represent us well in Little Rock.” Payne posted his post-election decision on his campaign’s Facebook page, saying he “will vote for Scott in the June 21 runoff, and I encourage those who supported me in the primaries to do the same.” .

Bugos said voters in District 13 want a strong advocate for their conservative Christian values ​​who knows the difference between standing up for principle and simply trying to shout at the opposition.

Knocking on doors during the campaign “is probably the most assertive and difficult thing I’ve done in my life,” Bugos said. “They want kindness back in this world,” she said of voters. “They want respect back in this world. It’s a Christian region that wants its values ​​to win without putting others down.”

“I know how to win and how to be a fighter, and I’ve demonstrated that,” Bugos said.

She worked as a buyer for Walmart Stores Inc. before starting a brokerage firm and then a luxury vacation rental business. “You have to fight if you’re a businesswoman. A woman has to earn the respect” of her peers, she said. You have to do this without upsetting the people you need the business connections to, she said.

“Anyone can have an idea,” Bugos said. “You have to be able to execute it.”

Moving an idea forward requires cooperation and building consensus, especially in the Legislative Assembly, she said. The district needs a representative with the business background to understand what helps and doesn’t help an area’s economy in the long run, she said.

Bugos outscored Richardson by $68,190 to $11,357 in the primary campaign, according to the latest available campaign finance reports. Bugos’ funding includes $70,000 in loans she made to her campaign, records show. She had $17,760 in cash on hand at the start of the final week of the primary, compared to $2,220 for Richardson, according to reports. Richardson loaned his campaign $2,344, records show.

The state created District 13 last year after the 2020 U.S. Census. The state redraws legislative districts after each census so that each member represents an equal number of people. There are 100 House districts and 35 Senate districts statewide. Population growth in Benton County and decline elsewhere in Arkansas led to the creation of District 13.

Bentonville’s southeast 14th Street is along most of District 13’s northern border. The district’s southernmost border touches Rainbow Road, also in Bentonville. District 13 extends to Southwest Regional Airport Road in the west and North 24th Street in Rogers in the east.

House members serve two-year terms and receive a base salary of $44,357.

Revitalist Reports First Quarter 2022 Financial Results and Business Update Mon, 30 May 2022 14:19:00 +0000

VANCOUVER (British Columbia), May 30, 2022–(BUSINESS WIRE)–REVITALIST LIFESTYLE AND WELLNESS LTD. (“Revitalist” or the “Company”) (CSE: CALM) (OTCQB: RVLWF) (FSE: 4DO), one of the largest publicly traded ketamine clinic operations in the United States, announced its results for the quarter ended March 31, 2022, and provided a business update. All results are presented in accordance with International Financial Reporting Standards (“IFRS”) and in Canadian dollars, unless otherwise indicated.

Strong points

  • Recorded fourteen consecutive months of growth in visits

  • Year-over-year sales growth of 626%

  • Opening of two new ketamine-assisted psychotherapy clinics

  • Completion of the acquisition of a clinical asset

  • Introduction of transcranial magnetic stimulation (“TMS”) as a treatment for pain

  • Launching initiatives for veterans, psychiatric nurses and first responders

  • Launch of a proprietary diagnostic scale

Clinic Growth

During the quarter ended March 31, 2022, Revitalist opened two new ketamine-assisted psychotherapy clinics located in Washington, DC and Jacksonville, Florida, bringing the total number of clinics to 9 and propelling Revitalist into one of the largest Ketamine-focused publicly traded companies in the United States based on clinic size.

Current Revitalization Clinic Locations:

Knoxville, Tennessee (2 locations)
Chattanooga, TN
Louisville, Kentucky
Johnson City, TN
Detroit, Michigan
washington d.c.
Jacksonville, Florida
Raleigh, North Carolina

Financial Highlights

Revenue was derived from providing ketamine infusion therapy at nine ketamine-assisted psychotherapy clinics. The Company recorded a 626% increase in revenue year over year with total revenue of $1,081,541 for the three months ended March 31, 2022 (2021 – $148,985). The increase is attributable to the addition of eight clinics since March 31, 2021. Patient visits increased significantly year over year, totaling 3,120, up more than 400% compared to 2021. The company proudly announced 14 consecutive months of growth in visits.

Net cash used in operations totaled $2.06 million, reflecting the cost of operating the public company and 8 new clinics. Net cash outflows were expected and consistent with the planned cash outflows required to execute the business plan.

Balance sheet

As of March 31, 2022, Revitalist had cash of $1.3 million and total assets of $9.6 million. On April 19, 2022, the Company closed its first tranche of a convertible debenture financing totaling $3,869,000. CEO Kathryn Walker invested $2,332,000 in the financing and waived interest payments on debentures totaling $1.9 million.

Revitalist CEO Speaks as Panelist on Globally Recognized Forum

Revitalist CEO Kathryn Walker was invited to speak at a globally recognized event advancing the psychedelic industry by focusing on advances in insurance and risk management. Purves Redmond Limited continues to bring cutting-edge insight with its third annual virtual Biotech and Psychedelic Risk and Insurance Forum, focusing on Canada, the UK, Europe and the US, highlighting the recent developments shaping trends in the biotech, psychedelic and neurological fields. -pharmaceutical industry. The panel is by invitation only and is sponsored by Purves Redmond Limited, Connor Strong and Price Forbes. The event takes place on June 8. If you would like to know more about the event, please email

Revitalist CEO Kathryn Walker said, “We are so proud of the growth achieved to date and are excited to see year-over-year growth as our clinical operations mature. We have recruited an exceptional team with expertise in mental health, capital markets, research and development, and commercial operations and are working diligently to ensure Revitalist’s continued success. »


Revitalist Lifestyle and Wellness Ltd. (CSE: CALM) (OTCQB: RVLWF) (FSE: 4DO) is one of the largest publicly traded ketamine-focused clinical operations in the United States. Revitalist offers hope to patients with treatment-resistant pain and mood disorders through Ketamine-Assisted Psychotherapy (‘KAP’). Each clinic provides access to psychedelic medicine, vitamin infusions and other lifestyle optimization services provided by healthcare professionals, mental health and chronic pain experts Since opening its first clinic in 2018, Revitalist has provided thousands of infusions of ketamine through its network of 9 clinics operating in 6 states. Its founder and CEO, Kathryn Walker, has witnessed the transformative impact of KAP firsthand and intends to offer other psychedelics For more information and to be added to the company’s mailing list, please click here.

Twitter: @RevitalistCorp
Facebook: @RevitalistLifestyleandWellnessLtd.
Instagram: @RevitalistCorp
LinkedIn: @RevitalistLifestyleAndWellnessLtd

On behalf of the board
Catherine Walker
Chief executive officer

Forward-looking statements

This press release contains forward-looking statements and information within the meaning of applicable securities laws. Often, but not always, forward-looking statements and information can be identified by the use of words such as “anticipates”, “expects” or “does not expect”, “is expected”, “estimates”. , “intends”, “anticipates” or “does not anticipate”, or “believes”, or variations of these words and expressions or states that certain actions, events or results “may”, “could”, “would”, “could” or “will” occur, occur or be realized. Forward-looking statements or information involve known and unknown risks, uncertainties and other factors that may cause results, performance or achievements Revitalist’s actual results may differ materially from any future results, performance or achievements expressed or implied by any forward-looking statements or information contained in this press release.

The risks, uncertainties and other factors involved in forward-looking information could cause actual events, results, performance, prospects and opportunities to differ materially from those expressed or implied by such forward-looking information. The Canadian Securities Exchange has not reviewed and accepts no responsibility for the adequacy or accuracy of the content of this press release.

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Revitalist Lifestyle and Wellness Ltd.
Tel: (865) 585-8414