Capital – Greguti http://greguti.com/ Mon, 21 Jun 2021 20:35:32 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 https://greguti.com/wp-content/uploads/2021/05/cropped-icon-32x32.png Capital – Greguti http://greguti.com/ 32 32 Wicihita Falls pawn shops see ammunition, gun sales increase https://greguti.com/wicihita-falls-pawn-shops-see-ammunition-gun-sales-increase/ https://greguti.com/wicihita-falls-pawn-shops-see-ammunition-gun-sales-increase/#respond Mon, 19 Apr 2021 02:37:45 +0000 https://greguti.com/wicihita-falls-pawn-shops-see-ammunition-gun-sales-increase/

Toilet paper is not the only one item flying off the shelves in Wichita Falls retail stores.

As financial uncertainty spreads in the wake of the economic downturn caused by the coronavirus outbreak, local pawn shops are see their stocks of firearms and ammunition dwindle. They are bought by people who are afraid of what might happen next.

“It’s home defense,” said Bing Miller, owner of City Jewelry & Loan on Old Jacksboro Highway. “People are scared to death. “

At Cash N More Pawn & Jewelry, just down Old Jacksboro Highway from City Jewelry & Loan, owner Michael Morrison saw the same things Miller did.

When he looked at his numbers last week, Morrison found that the store he ran with his wife, Brandi, had a 25% increase in arms and ammunition sales over its 2019 numbers.

LILY:People line up to buy guns and ammunition amid coronavirus concerns

Brandi Morrison, owner of Cash N More Pawn and Jewelry with her husband, Michael Morrison, said they plan to close the doors of the business and deal with individual clients individually or curbside.

Gun, the ammunition shortage is unprecedented

It’s not just a trend unique to Wichita Falls.

Ammo.com, an online ammunition dealer, reports a rate of 434 percent sales increase in the past month. Last week, the National Shooting Sports Foundation, an industry trade association, said to its members that the FBI saw a 300% increase in background check requests through its national instant criminal background check system on Monday, March 16.

In recent weeks, Morrison said he had asked several people to repay their loans early in order to repossess their guns, which had been placed as collateral. They are joined by new buyers, who are looking for something to protect themselves as uncertainty sets in.

“There is no doubt people are in panic,” he said.

STUDY:The main stressor of the coronavirus for many Americans

Morrison said he had seen nothing like it since the start of the decade, when a surge in gun sales, spurred by fears of tighter federal regulations, sparked a wave shortages that lasted for several years. But the period in which this wave occurred is unprecedented, straining the entire industry.

The regular ammunition distributors, from which Morrison sources stock, are also strapped for resources. He said it is almost impossible to find pistol ammunition, especially 9mm cartridges.

“It all happened in a month, maybe even three weeks,” he said. “It cleaned up the distribution channels.

First-time gun buyers

When it comes to first-time buyers, both pawn shops are seeing an influx of women, many of whom are in search of their first handgun. This is a trend that started in recent years, but has intensified in recent weeks.

Morrison does his best to give his opinion to new buyers as they try to determine which handgun is right for them. He wants to make sure that customers are ready to be successful after their purchase.

LILY:Wichita Falls now has 15 confirmed cases of coronavirus

“We want to make sure they understand what they’re getting,” he said, “that they get one not just because it looks cool. It’s something that fits them well in the hand. “


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Former current leaders speak out against protest arrests in Tallahassee https://greguti.com/former-current-leaders-speak-out-against-protest-arrests-in-tallahassee/ https://greguti.com/former-current-leaders-speak-out-against-protest-arrests-in-tallahassee/#respond Mon, 19 Apr 2021 02:37:45 +0000 https://greguti.com/former-current-leaders-speak-out-against-protest-arrests-in-tallahassee/

TALLAHASSEE, Fla. (WTXL) – On Wednesday afternoon, former, current and future Commissioners spoke out against arrests made at Saturday’s protest.

Now, many are calling for reforms at the town hall and the police headquarters.

Groups like the Florida National Organization for Women and the Southern Poverty Law Center have condemned the heavy law enforcement presence.

Many said they believed it was time for Police Chief Lawrence Revell and City Manager Reese Goad to step down.

Barbara DeVane, of the Florida National Organization for Women Lobbyist, said the arrests over the weekend reminded her of when she was arrested during protests in the ’60s and’ 70s.

“Good trouble sometimes means you have to be in trouble to do the right thing,” DeVane said. “John Lewis, Martin Luther King, Rosa Parks, they all protested in their own way against an unjust law. Slavery was legal in this country. be a boycott or a protest. “

She led a speech on Wednesday, bringing together community groups to call for change in the capital.

“We didn’t listen,” Jack Porter, the newly elected city commissioner. “We failed to communicate. We did not act.”

Voices have called for a stronger Citizens’ Review Committee, the dropping of charges against the protesters and the resignation of Revell and Goad.

“If you ask any of my constituents, they will tell and share with you stories of how the police have treated them much worse than they are currently doing,” said Lee Johnson, a local pastor. “We have a lot of work ahead of us not to allow this movement to stop.”

Saturday’s protest was in response to a grand jury clearing three officers of wrongdoing after three separate fatal shootings.

Last Friday, Mayor John Dailey proposed changes to the police service, including a use of force review by an outside agency, an audit of the ministry’s use of force policy, and mental health assistance for people affected by gunfire involving officers.

“I think these three proposals will help us increase transparency, build trust and provide a high level of response to our community,” Dailey said Friday.

The chief will provide an update on public safety at Wednesday’s meeting and is expected to address the weekend’s protest after public comments. Many of these comments are about law enforcement, but vary between support and criticism.

Protesters plan to march around town hall on Wednesday evening to demand changes.


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Global Data’s Bill Spruill Says Efforts To Support Minority Banks Are Paying Off https://greguti.com/global-datas-bill-spruill-says-efforts-to-support-minority-banks-are-paying-off/ https://greguti.com/global-datas-bill-spruill-says-efforts-to-support-minority-banks-are-paying-off/#respond Mon, 19 Apr 2021 02:37:45 +0000 https://greguti.com/global-datas-bill-spruill-says-efforts-to-support-minority-banks-are-paying-off/

RALEIGH – In July, investor William “Bill” Spruill threw in the gauntlet.

After a raise of $ 3.5 million, the co-founder and CEO of Global Data Consortium, a global identity verification platform, decided to shift its income to M&F Bank (the country’s second oldest minority bank) – and challenged others to do the same.

Fast forward to today, he says it’s paying off in a recent article he wrote on Way. The other CEOs of Adzerk, Pendo and K4Connect have all stepped up their efforts, he said. To date, he estimates the effort has brought in around $ 6-9 million in business for the bank.

“I have also had colleagues and friends who made an effort to move their personal banking services there as well. Sadly, many more people in the community have ignored the challenge of playing a role in the necessary change. I’m not gonna make you feel guilty but I see you. ‘nothing was said there.’

Founded in 1907 as the Mechanics and Farmers Bank, M&F Bank is the second oldest minority-owned bank in the United States and has long been a symbol of the African American community in Durham. It is also the only black-owned bank based in North Carolina, with branches in Durham, Raleigh, Charlotte, Greensboro and Winston-Salem.

“We wanted to have a direct impact on the community,” Spruill explained to WRAL TechWire in July. “Knowing that our funds can help the bank take out more business loans in the local community was something that resonated and made sense to us. “

“Our funds will remain as accessible there as they would be in any other location,” he added. “I hope this sends the message to my peers in the tech community that while talking is good, real actions are much better.”

Bill Spruill and Charles Gaddy

The bank, along with NC Mutual, formed what was known as Black Wall Street of Durham. It included a black downtown business group that became an economic engine for the city’s African American community during the Jim Crow era of racial discrimination.

But in recent years he has struggled. The socio-economic spiral and the attractiveness of more generic options from the big banks are hurting its results.

In the wake of the global racial protests and the Black Lives Movement, Spruill has a sobering vision on the pitch.

“Over the past two months, I have met several business leaders in the local community who see the social justice movement as the actions of radicals and fringe elements,” he wrote. “While it was disappointing (especially finding another dentist to go to downtown) what was encouraging was the number of people who came out and dismissed the thought and not only did so. with their words but also with their actions. Disillusionment with the state of mind of some but enthusiasm by the state of mind of others.

Recently, he said he noticed the formation of special advice and corporate roles to meet the needs of diversity and inclusion. While these are well-intentioned and positive actions, he said, the best steps would be to include various employees and board members in the normal fabric of corporate life.

“While being on a board of directors of other minority entrepreneurs would be a good experience for me, being sought after by regular boards and decision-making bodies would be better,” he said. “And let’s be clear, being wanted because we have something to contribute other than our skin tone and our money is what we should be aiming for here. Separation does not equal, no matter how good the intentions are.

Facebook group works to empower black-owned businesses through Triangle

Raleigh’s Global Data Expands Global Presence With $ 3.5 Million and New Experian Partnership

Raleigh’s Global Data moves $ 3 million to bolster minority-owned bank


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‘Change is needed’: Amid protests, alliances between law firms and prosecutors come under scrutiny https://greguti.com/change-is-needed-amid-protests-alliances-between-law-firms-and-prosecutors-come-under-scrutiny/ https://greguti.com/change-is-needed-amid-protests-alliances-between-law-firms-and-prosecutors-come-under-scrutiny/#respond Mon, 19 Apr 2021 02:37:44 +0000 https://greguti.com/change-is-needed-amid-protests-alliances-between-law-firms-and-prosecutors-come-under-scrutiny/

For more than 40 years, Dorsey & Whitney associates have assisted the Minneapolis City Attorney’s Office in prosecuting misdemeanor cases. Each year, a handful of the firm’s litigation associates spent 14 weeks working with prosecutors and gaining hands-on courtroom experience.

But after the alleged murder of George Floyd by a Minneapolis police officer on May 25, which sparked national and international protests against police brutality and inequalities in the criminal justice system – and after seeing multiple studies showing that tort prosecutions disproportionately affect people of color – Dorsey has ended her relationship with prosecutors. The company said it intended to be “part of the solution”.



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Consider buying a home to renovate using a home improvement loan https://greguti.com/consider-buying-a-home-to-renovate-using-a-home-improvement-loan/ https://greguti.com/consider-buying-a-home-to-renovate-using-a-home-improvement-loan/#respond Mon, 19 Apr 2021 02:37:44 +0000 https://greguti.com/consider-buying-a-home-to-renovate-using-a-home-improvement-loan/

It’s the complaint of first-time buyers in just about every housing market: There isn’t enough entry-level housing available that is ready to move in.

One solution is to extend the search to repairers. With a home improvement mortgage, you can get a home loan that combines the purchase price and the cost of the improvements.

Not enough affordable housing

Entry-level homes are rare, whether new or used. Most of the gains in home inventory have been in high-end homes, according to Realtor.com.

The drop in entry-level new construction is blatant: 36% of homes built in 2000 were less than 1,800 square feet; in 2017, 22% did so, according to the Harvard Joint Center for Housing Studies.

As for existing homes, resales of homes of $ 100,000 to $ 250,000 fell 1.9% in October from a year earlier, according to the National Association of Realtors. The demand is there: even with the decline, homes in this price range accounted for 40.2% of sales.

Faced with a shortage of affordable homesit makes sense to consider purchasing and rehabilitating housing that is dilapidated or in need of repair.

The two main types of home improvement loans are FHA 203 (k) loan, insured by the Federal Housing Administration, and the HomeStyle loan, guaranteed by Fannie Mae. Both cover most home improvements, whether major or minor.

“Basically we do this for all types of repairs that can be done on a property,” says Brad McMullen, vice president of home improvement loans for PrimeLending, a national mortgage lender that focuses on home loans. renovation.

Renovation loans open more doors

FHA 203 (k) and HomeStyle can be used for structural and aesthetic renovations. With both types of loans, renovations can begin immediately after closing.

The FHA 203 (k) loan is for primary residences only. It requires a minimum credit score of 500 with a down payment of at least 10%; a credit score of 580 or higher allows for a down payment of 3.5%. These loans cannot be used for work that the FHA considers a luxury, such as installing a swimming pool.

There are two types of 203 (k) loans: limited and standard. The limit is for renovations of $ 35,000 or less that do not require major structural work. The standard applies to projects over $ 35,000 or involving major structural work.

A standard 203 (k) loan requires a HUD consultant, who helps the homeowner solicit and analyze bids and oversees job inspections. Consultants are often contractors, architects or inspectors, McMullen says. HUD has a tool search for consultants.

Fannie Mae’s HomeStyle Loan can be used to purchase and renovate a primary residence, secondary residence or investment property. It requires a minimum credit score of 620. The minimum down payment is 3% or 5%, depending on whether the home is owner-occupied and the borrower is a first-time home buyer or has income. low to moderate.

According to Fannie Mae’s guidelines, HomeStyle loans have few restrictions on improvements other than that they “should be permanently affixed to real estate (housing or land). This means HomeStyle can pay for the property. addition of a swimming pool.

Traps to watch out for

The most common problem is not getting detailed cost estimates, McMullen explains. To avoid cost overruns, make sure the estimates are material specific and include the costs of inspections, permits, and consultant fees (if applicable).

Another pitfall: over-improving the house. If every house in the block has one story and three bedrooms, it might be a bad idea to add a second story with two bedrooms. The house will no longer fit into the neighborhood and it will be difficult to get an accurate estimate of the value after renovating the house due to the lack of comparable houses nearby.

To start

After you find the home you want, choose a lender, decide on a loan type, and hire a HUD consultant. Then, with the advice of the consultant, get estimates from the contractors. Your lender will need copies of the estimates.

Renovation work can begin immediately after the loan closes. Once the upgrades are complete, you’ll have your home the way you want it, sooner than you thought possible.

More from NerdWallet:


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Many adult children ruin their parents’ finances by doing this https://greguti.com/many-adult-children-ruin-their-parents-finances-by-doing-this/ https://greguti.com/many-adult-children-ruin-their-parents-finances-by-doing-this/#respond Mon, 19 Apr 2021 02:37:43 +0000 https://greguti.com/many-adult-children-ruin-their-parents-finances-by-doing-this/

It’s hard to say no to your children, but when you co-sign a loan for them, it’s sometimes prudent.

Almost half (45%) of people who co-signed a loan – a co-signer agrees to pay the loan if the primary borrower defaults – are parents who did so on behalf of their children or stepchildren, according to a survey of around 2,000 adults released Monday by Credit Cards.com. (This is by far the most common co-signing scenario, with co-signing for a friend being a distant second.)

Parents often do this to help their adult children – who may have short or even poor credit histories – buy something like a car (this is most common), qualify for a mortgage, or get a card. credit or a private student loan, which the child might not have been able to fend for on their own.

“Parents are doing it because they want to give their child a boost,” says Matt Schulz, senior industry analyst at CreditCards.com, a credit card comparison site. “They hope everything will be okay, but that’s not always the case. Here are three major risks of co-signing a loan for your children.

You will pay the bill yourself

Nearly four in ten people who co-signed a loan ended up paying some or all of the bill because the primary borrower didn’t pay it, the survey found. Indeed, “when you co-sign a loan, you are 100% responsible for that loan,” explains David Hryck, tax lawyer in New York and partner at Reed smith. “If the loan is not paid, the lender can now sue you for the full amount. “

For parents of adult children, having an extra monthly payment can derail their ability to save enough for retirement. Already, people aged 55 to 64 (many of whom have grown children who might need a co-signer on a loan) have on average just over $ 100,000 in retirement savings, according to a report by Government Accountability Office; that’s too little, at least according to Fidelity, which recommends that by age 50, Americans have saved six times their salary for retirement.

You will damage your credit

More than one in four (28%) co-signers have experienced a decline in their credit rating because the primary borrower has paid late or not at all. This is because if the person has paid their loan late, even though you were unaware of the late payment as a co-signer, that late payment shows up on your credit report. (Also, even if they don’t pay late but are maxing out the card, it can hurt your credit usage, which is part of your credit score.)

“Late or missed payments will be ugly stains on your credit report,” says financial writer Valerie Rind, author of “Gold Diggers and Deadbeat Dads: True Stories of Friends, Family, and Financial Ruin.” These spots “can cost you thousands of dollars because of the higher interest rates, so you’ll pay more on mortgages, car loans, credit cards, etc.,” says Schulz. is a big deal. ”

You will harm your relationship with your child

26% of co-signers say their relationship has been damaged because of the co-signature. “You would expect the parent to come in with the best of intentions, so it would be a pretty big breach of trust if the child wasn’t handling business properly on something that mom and dad co-signed,” says Schulz. “It’s clear that the co-signing is causing embarrassing conversations around the dinner table. “

That said, there are compelling reasons to co-sign a loan for a child. It can help the child get a better interest rate on a loan (assuming your credit is great), potentially save them thousands of dollars down the road, and buy something they need that they can’t. not get otherwise.

Still, parents need to be careful. First, “if you are going to co-sign a loan for someone, you need to make sure that you can afford to meet the loan repayments if the other party stops paying,” says lawyer Sonya Smith-Valentine, president of the financial welfare society. Financially fierce.

Then you need to have an “in-depth conversation with the other party” before you co-sign, says Hryck. Talk about your child’s responsibilities when it comes to the loan, what will happen if problems arise, and more.

You also want as much information as possible before you co-sign (ask for their credit report and talk about their payment history and other loans and financial issues) and after. “My biggest tip for anyone considering co-signing is to live by the ‘trust but verify’ motto,” says Schulz. In other words, make sure you have plenty of access to the account, like balance information, monthly statements, and notifications about things like late payments, so you can deal with potential issues beforehand. that they do not become real problems.


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10 fantastic anime to discover for fall 2020 https://greguti.com/10-fantastic-anime-to-discover-for-fall-2020/ https://greguti.com/10-fantastic-anime-to-discover-for-fall-2020/#respond Mon, 19 Apr 2021 02:37:42 +0000 https://greguti.com/10-fantastic-anime-to-discover-for-fall-2020/

What an amazing time to be alive, with only good things to come! That’s right, I’m talking about the coming fall anime season 2020. For 30 minutes at a time, I can drown the misery and banality of the year in a truly fantastic lineup of new shows.

Are you wondering why this season is so strong? It’s done because 2020 has been so horrible. During the first days of the pandemic, dozens of promising spring and summer shows were postponed to October. Now those shows are finally on the air and anime fans are spoiled for choice. From mysteries to musicals, there is something for everyone. I’ve watched over a dozen season premieres so you don’t have to. Here are my most promising picks:

Higurashi: when they cry – GOU

Named for the eerie sound of cicadas at dusk, Higurashi is a spooky franchise that started with a murder mystery game in 2002. Now cute modern pastel character designs and pastoral backgrounds set the stage for the latest adaptation of this unsettling psychological horror. HigurashI play with expectations to scare the senses, after a long skit of idyllic after-school activities before rocking into moments of flashing hyperrealism and you’ll miss it as protagonist Keiichi investigates a grisly murder. Although this transfer student spends his days with four adorable classmates, that doesn’t guarantee his safety. A week after its premiere, the show already revealed a surprise: a second episode announcement who just made it clear that this version will build more on the creepy original.

Watch it on: Funimation and Hulu

HYPNSISMIC – Division Rap Battle – Rhyme Anima

HypMic, as fans call it, is already a phenomenon – it’s a catchy music project starring 12 real-life performers in the character of handsome anime boys. These characters can be scripted, but its success is real, with HypMic records climbing the music charts in Japan. So it’s no surprise that the new anime is also a musical. Those eye-catching numbers are enough to forgive a truly silly plot, in which rap battles are the only fight left in this post-gun society controlled by women. If you’re a true hip-hop fan, you won’t be impressed with this stream, but everyone should marvel at the translation work that even makes the subtitles rhyme. In addition, one of the characters rhymes “gangster” with “hamster”, a movement really inspired.

Watch it on: Funimation

Jujutsu kaisen

Sure to be a hit with the fighting anime crowd, this show mixes supernatural elements and fast-paced combat to create an instant classic in the horror action genre. Much of the strength of this first episode rests on the capable shoulders of protagonist Yuji who can effortlessly transition from a strong comedic athlete, to a shy grandson, and an energetic demon hunter. In just one episode, Jujutsu Kaisen develops a meaningful character and sets the stage for an occult but not scary spectacle, heavy with combat but not repetitive. The combination of elements of humor and body horror is something I didn’t expect to work, but it feels like one of the most popular shows of the season so far.

Watch it on: Crisp

Moriarty the patriot

With a sepia color palette shattered only by splashes of bright red blood, this story of historical mystery, elements of Gothic horror is heavy on the stage. the black butler together will adore the handsome and intelligent Moriarty, who puts his detective skills in a decidedly more criminal direction than his rival, Sherlock Holmes. From the first minute of the episode, Moriarty focuses the viewer’s attention on the macabre appearance of the original Moriarty compared to his cute boyish makeover here. But there’s more than just glances at this criminal mastermind, which quickly leads us into his investigation of a misbehaving member of the nobility. In an extremely unfair society that allows the rich to do whatever they want, Moriarty uses his findings to do his own justice. In our modern age of class division, this is as timely as it is satisfying.

See also: ‘Moriarty the Patriot’ makes a hero of Holme’s ruthless rival

Watch it on: Funimation

Wandering Witch – Elaina’s Journey

A fantasy of escape that sparkles in its representations of cozy interiors straight out of a British picture book. The aspiring witch Elaina is a charming and determined protagonist who only becomes more sympathetic after the character development of the pilot episode, in which mentor Fran teaches her to feel comfortable with failure. I can’t wait to follow her as she rolls up her sleeves and happily resolves issues on her journey. The series’ stunning visuals combine with laid-back portrayals of the day-to-day lives of its fantastic inhabitants to transport us to another world that feels far more original than any “stuck in a video game” fantasy story. Fans of Little Witches Academy and Flying witch absolutely must check that.

Watch it on: Funimation

Love Live! Nijigasaki High School Idol Club

The fall season gave us not one but two musicals! This contains chewing gum. This is the third series of the ever popular Live love series, following the story of nine budding idols (that’s Japanese for a specific class of performer, shown in this anime to specialize in singing, dancing, and looking cute). This franchise has got the process of making pretty things for audiences to identify with through recognizable personality tropes, and the show has a brilliant design and expressive character development to match. It may be a formula, but it works: I am already delighted by these budding artists, their big dreams and their bombastic musical numbers.

Watch it on: Funimation

Talentless chick

You’re going to want to watch this premiere knowing as little as possible so that the surprise finish plays out in a dramatic way. What I can tell you is this: Talentless chick is a superhero story about teenagers with abilities reminiscent of the quirks of My hero university. The show’s almost retro cartoon character designs make it look deceptively childish, making its dark undercurrents particularly unexpected. And with two characters named or nicknamed Nana, it’s hard to tell who the show is really about. From the first few minutes, something is already wrong… and it is the way in which the mystery is revealed that makes it a great first.

Watch it on: Funimation

Kamuy d’or 3

It’s been two years since I finished the second season of Golden Kamuy … but this crazy race for a first made me go back in history in a few minutes. The immortal Sugimoto and his allies continue their pursuit after Asirpa, highlighting the spectacle’s fascinating setting: the ruthless northern expanses of late Meiji-era Japan (1868, to be precise). Their trips to Sakhalin highlight the tensions between Japanese and Russian soldiers that remain after the Russo-Japanese War, but it’s less of a history lesson than a brawl that turns horrendously violent with oddly comical timing. Add to that the show’s thoughtful focus on Japan’s indigenous Ainu culture and homoerotic moments of manly physique for one of the more quirky shows airing right now.

Watch it on: Crisp

Sleeping princess in the demon castle

Forget about being cheerful or charming – the protagonist of this series is just plain tired, and there is nothing more relevant than that. She finds herself captive in a fascinating dark and fantasy castle, but the escape can wait until she catches some zzz. It’s rare that a premiere can settle for just one joke (Princess Syalis is tired, isn’t she?), But excellent comedic timing and a powerfully motivated main character make this low-stakes premise one. delight from start to finish. Although Syalis finds herself in a hostile environment and even dies (momentarily, that’s not a spoiler!), The cute character designs, like the teddy bear demons, set her world a softer, more humorous tone.

Watch it on: Funimation

Akudama Road

I admire how this show dared to pull out the guns with a high stakes action streak that’s so bombastic that other shows might save it until the finale. The show immediately plunges us into a high-concept Blade runner sort of cyberpunk cityscape with a captivating soundtrack to match… then the larger-than-life characters come in and do their thing. Kazutaka Kodaka, the original creator of the video game franchise Danganronpa, is credited with the script for this trigger-friendly anime, and it shows in a premiere that doubles as stylized violence. The exaggerated personalities that populate the criminal group known as Akudama feel very similar to the Ultimates, making them a must-have watch for fans of the games.

Watch it on: Funimation


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Here’s why Vertex Pharmaceuticals Q4 was better than it first appeared https://greguti.com/heres-why-vertex-pharmaceuticals-q4-was-better-than-it-first-appeared/ https://greguti.com/heres-why-vertex-pharmaceuticals-q4-was-better-than-it-first-appeared/#respond Mon, 19 Apr 2021 02:37:41 +0000 https://greguti.com/heres-why-vertex-pharmaceuticals-q4-was-better-than-it-first-appeared/

On the surface, Vertex Pharmaceutical(NASDAQ: VRTX) fourth quarter earnings did not look particularly good. But there’s more to the story as Fool.com contributors Brian Orelli and Keith Speights note in this video from Motley Fool Live, registered on Feb. 8. The duo also discuss the difference between the launch of Tikafta in the United States and the rollout of the drug in Europe, where it is called Kaftrio.

Brian Orelli: First of all, the benefits of Vertex Pharmaceuticals, it is a specialist in cystic fibrosis. The ticker here is VRTX. Revenue only grew 15% year over year, but that’s a little misleading because last year’s quarter, that fourth quarter of 2019, had roughly $ 155.8 million associated with it. sales of Orkambi in France. France would fix the price after you started selling, then you would make up the difference in one quarter. It was a unique shot there. If we do an apples to apples comparison, the growth was 29%, which is pretty solid. The company has four drugs on the market, but it’s really become a [Trikafta] history is their triple combination. The drug has started to cannibalize some of the sales of single and double combination drugs, but it is also capturing new patients. It definitely grows faster than it cannibalizes other drugs. I have other data on the end result, but do you have any idea on the income side?

Keith Speights: Another great quarter of Vertex. They essentially enjoy a monopoly in cystic fibrosis. As you said, it’s a story of Trikafta now that this drug has been approved. If I remember correctly, Brian, it got approved five months earlier than they thought it would in the US, and hit the market at the end of 2019, and went into an almost instant blockbuster and featured all of them. the [inaudible] growth in 2020. As you said, it cannibalizes some of their other drugs, but the company doesn’t care at all because it’s just the success of launching a new product throughout. 2020 for Trikafta. So good story for Vertex in this quarter. I think no one had something to dislike about the results.

Orelli: Yes. The thing about Trikafta is that it can treat patients that singles and doubles can’t treat, so this is how it grows faster than just cannibalizing other drugs. On the revenue side, revenue only grew 4% under GAAP, but on an adjusted basis, it grew 49%. That the difference is the aforementioned Orkambi adjustment and then the taxes, which I think part of is Orkambi as well. On the forecast side for 2020, they are looking for between 6.7 and 6.9 billion dollars. There will only be 8% to 11%, so definitely a slowdown. But we have lapped [Trikafta] in the US market, so I think that’s the reason for the slowdown.

Speights: Yes. If there was anything disappointing it was the orientation, but I think it was no surprise that we were seeing a dramatic slowdown. Again, and that’s just because Trikafta has taken off so quickly in the US market. The drug is marketed under the Kaftrio brand in Europe. Europe is going to be a bit slower ascent for Vertex, as the company has to secure repayment agreements and then work country by country. Even though it has been approved by the European Union, it has to work with every country, and it takes a little bit of time. So I think we will see a slower ramp-up in sales, but which will also extend over a longer period for Trikafta / Kaftrio.

Orelli: Right. This is pretty much how all drug launches work. They’ll use a launch in the United States and have an immediate growth spurt, and then in Europe, it tends to be slower, but like you said, longer. They didn’t give any guidance on profits, but I would probably expect them to rise faster because the cost of entering those 8% -10% sales won’t be that high on the side. costs.

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


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6 national parks to visit in the fall, plus accommodations nearby using your points https://greguti.com/6-national-parks-to-visit-in-the-fall-plus-accommodations-nearby-using-your-points/ https://greguti.com/6-national-parks-to-visit-in-the-fall-plus-accommodations-nearby-using-your-points/#respond Mon, 19 Apr 2021 02:37:41 +0000 https://greguti.com/6-national-parks-to-visit-in-the-fall-plus-accommodations-nearby-using-your-points/

You may feel like this spring and summer have blurred and gone as you stay home in the midst of the coronavirus pandemic, but fall is a season that undeniably looks like change. If you want to enjoy the crisp fall air with crisp leaves under your feet, look no further than some of the country’s most famous parks for a socially remote adventure.

Here are some ideas to inspire your fall trips, as well as places to stay near the points.

1. Shenandoah National Park

After the summer of road trips and in-car movies, Shenandoah National Park offers a breathtaking glimpse of the Blue Ridge Mountains without leaving your car if you don’t want to. The magnificent Skyline Drive is 105 miles long and you can walk it at your own pace to admire the fall foliage (and maybe even spot a wild turkey). You can also stop at one of the 70 or so lookout points or hike to a waterfall. The closest accommodation options outside of the park are in Harrisonburg, Va., Where King Room rates at the Doubletree start at $ 26,000. Hilton Honors points. You can also use a Hilton Free Night Certificate obtained from an HLT Hilton,
+1.60%
co-branded credit card.

2. Acadia National Park

The “jewel in the crown of the North Atlantic” comes alive in the fall when the trees take on vibrant hues of red, orange and yellow. You may need to do a bit of rock climbing to get the best views; some hikes like the Beehive Trail or the Beech Cliff Ladder Trail involve the use of metal rungs or ladders to help you navigate through steep rocks at higher elevations. Don’t miss Acadia National Park at night either. The park typically hosts a night sky festival in the fall to showcase the naturally dark sky and stars, but it has been postponed until next year due to COVID-19. The Best Western Acadia Park Inn receives good reviews and is just 3 miles from the entrance to the national park. Rooms start at 32,000 Best Western Rewards points.

Also see: Check-in, but don’t fly? Airlines launch “flights to nowhere”

3. Great Smoky Mountains National Park

The Great Smoky Mountains are a great fall destination; it’s so big with such a diverse landscape that you are sure to see some beautiful colors. The park spans two states and is home to around 100 native tree species. If you’re trying to go in late September or early October, try driving along some of the higher elevation roads like the Blue Ridge Parkway to get the best views of the turning leaves. Later in the season, trees at lower elevations will also begin to change color. The Baymont by Wyndham US: WYND
Gatlinburg On The River has a great riverside location near the Great Smoky Mountains, and rooms are affordably priced at 15,000 Wyndham Rewards points per night.

Lily: Book a flight in advance? Waiting until the last minute may be cheaper

4. Rocky Mountain National Park

Aspens in full fall color in the Rocky Mountains.

I store

Fall in the Rocky Mountains not only has spectacular aspens that take on hues of yellow and gold, but you can also find bugle moose, where male moose call out for their mates in unexpected ways. (This is pretty much what we imagine dinosaurs to look like.) The Bugle occurs just before dusk and until dawn during mating season in September and October, and it is an animal event. not to be missed if you are at the park this time of year. Moraine Park in Rocky Mountain National Park is a good place to spot elk. Estes Park is a nearby town that many people use as a base for the park, but options from major hotel chains are limited there. If you have Choice CHH,
+1.41%
Privilege points to spare, the Quality Inn could be your best bet from 30,000 points.

5. Yellowstone National Park

Wildlife is also one of the main attractions when visiting Yellowstone National Park in the fall. In addition to the elk bugle, you might see bears feasting before hibernation and hawks migrating south for the winter. Mammoth Hot Springs is a great place to see both the elk slab and some of the park’s gorgeous fall colors. There’s a Springhill Suites hotel just minutes from the park, and suites start at 50,000 Marriott MAR,
-0.34%
Bonvoy Points.

6. Cuyahoga Valley National Park

Brandywine falls in Cuyahoga Valley National Park.

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This national park might not be named after the others on this list, but for people based in the Midwest, this Ohio park is a great option for viewing fall foliage. Some of the best places to walk are the Brandywine Falls or Pine Hollow, which offer views of the valley. Biking or walking the historic Ohio & Erie Canal Towpath Trail is another great way to see what the park has to offer. Cuyahoga Valley National Park is very close to Cleveland, so you have more accommodation options available than at other parks. The Hyatt Place Cleveland / Independence is a very affordable option, with rooms starting at just 5,000 Hyatt H World,
+1.20%
points per night.

Read more : Here are the best destinations in each state to keep your social distance

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Amid protests from bankers, SBA continues to rewrite lending rules https://greguti.com/amid-protests-from-bankers-sba-continues-to-rewrite-lending-rules/ https://greguti.com/amid-protests-from-bankers-sba-continues-to-rewrite-lending-rules/#respond Mon, 19 Apr 2021 02:37:41 +0000 https://greguti.com/amid-protests-from-bankers-sba-continues-to-rewrite-lending-rules/

Despite warnings from lawmakers, the Small Business Administration is moving ahead with several measures, some fearful of reducing the volume of its popular lending programs.

The agency plans to finalize a radical regulation cap the fees charged by lenders and third-party agents; and reinstate a personal resources test that would require borrowers to self-finance more of their credit needs before using SBA loans.

The rule, which was released in draft form last week, would also tighten the membership standard intended to prevent large borrowers from accessing government-guaranteed loans.

The SBA has received more than 4,200 letters of comment since it began asking for comment in September 2018. The rule is expected to take effect on March 11, but the agency said on Wednesday it would accept comments until to April 10 and could make changes at the last minute.

The plan has been criticized by a number of lawmakers.

Senator Marco Rubio, R-Fla., Wrote in a Letter of February 6 at recently confirmed Administrator Jovita Carranza that the rule “will negatively impact America’s 30 million small businesses and their ability to raise the necessary capital”.

Rubio, who had urged the SBA to continue delaying implementation, warned Carranza that the Senate Small Business and Entrepreneurship Committee, which he chairs, “will pursue all available legislative remedies” to counter the ill effects. presumed rule.

The SBA, for its part, says the rule will provide “clear regulatory guidance and clear tests” that could save lenders and borrowers up to $ 20 million in its first year.

The membership standard, which has raised concern among farmers, has been criticized in comment letters.

The SBA originally said a small business would be considered economically dependent if it received 85% or more of its income from a large business for three consecutive years.

Critics claimed the standard would destroy a business practice used by many agricultural producers, especially poultry farmers, who tend to sell their products to one or two buyers.

The agency made two revisions after more than a quarter of comment letters criticized the original affiliate plan. First, the SBA will exempt borrowers who sell to a single integrator out of choice rather than necessity. The agency has also designed a review process for loan applicants with contracts requiring them to sell most or all of their production to an integrator.

The ASB has created a website devoted to explaining the guidelines it will use to assess review requests.

Sherrill Stockton, executive vice president of credit at Live Oak Bank, with $ 4.8 billion in assets, in Wilmington, North Carolina, a major poultry lender, said the regulation is achievable, even if it adds a significant level of complexity.

“We believe this further complicates the way affiliation is determined and that clarification is needed,” Stockton said. “Live Oak would prefer the SBA to write a clear, easy-to-navigate rule so that the agency does not have to determine later at any point during the process whether or not the lender’s determination may or may not be reasonable.”

Stockton said Live Oak plans to submit a comment letter to the SBA. The American Bankers Association is also considering submitting a letter.

The SBA has received hundreds of comments opposing the provisions of the Fees and Personal Resources Regulation. In response, the agency changed the rule to allow borrowers seeking $ 350,000 or less to maintain a higher level of cash before being subjected to the personal resources test. He also agreed to let lenders charge up to $ 3,000 for loans of $ 350,000 or less, up from $ 2,500.

While the regulation sets a cap of $ 5,000 on the fees that lenders can charge for loans greater than $ 350,000, it allows third-party agents who brokers business to charge up to $ 30,000 for loans of 1 million dollars or more. Currently, agents can charge 2% of the loan amount.

Critics have called on the SBA to let market forces dictate the fees, although not everyone is against the caps.

The fee structure is not “outside the realm of what is reasonable, relative to certain lender fees,” Bill Phelan, managing director of PayNet, an Equifax unit in Skokie, in the United States, said Wednesday on Wednesday. Illinois, which evaluates private companies.

“There are rules of commercial practice in all parts of the market,” added Phelan. “I don’t think it’s a bad thing to have some form of expense awareness.

Nonetheless, Phelan said the SBA could experience issues with the personal resources provision, given the wide variety of businesses it serves and the different cash flow needs of applicants.

“It’s hard to manage this across all of the different business needs,” Phelan said.

A stronger underwriting, rather than a single rule, would be a better way to ensure borrowers put enough money into transactions, Phelan said, adding that every commercial lender should focus on automating processes. loan.

“There’s always someone in Silicon Valley looking for a better way” to speed up the application and approval process, said Phelan. Lenders lagging behind with technology “are going to wake up and find their business has been disrupted.”

As with the affiliate standard, the provision of personal resources will add new layers of complexity to the SBA’s loan procedures, Marianne Byrne, senior director of CAPCO, a London-based technology consultancy, said on Wednesday.

“Traditionally, business owners don’t want to put in their own money,” Byrne said. “The impact on the process will require efficient and effective processes throughout the collection of information from application to post-loan. “

In its 2019 fiscal year, which ended on September 31, the SBA approved more than 58,000 loans worth more than $ 28 billion. It slightly exceeds that pace in the first four months of fiscal 2020, with 17,649 loan approvals totaling over $ 9.2 billion.


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