Banking – ABWR http://abwr.org/ Fri, 28 May 2021 21:31:20 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 https://abwr.org/wp-content/uploads/2021/05/default-150x150.png Banking – ABWR http://abwr.org/ 32 32 How a debt consolidation loan can help you improve your credit score https://abwr.org/home-lenders-bad-credit/ https://abwr.org/home-lenders-bad-credit/#respond Fri, 07 May 2021 10:35:04 +0000 https://abwr.org/?p=595 Credit card debt can hurt your credit score — even if you’re dutiful about making on-time minimum payments every month. And if you have outstanding debt on more than one credit card, it may seem like there’s no end in sight. If you feel like you’ll never be able to pay off your high-interest credit cards, a debt […]]]>

Credit card debt can hurt your credit score — even if you’re dutiful about making on-time minimum payments every month. And if you have outstanding debt on more than one credit card, it may seem like there’s no end in sight.

If you feel like you’ll never be able to pay off your high-interest credit cards, a debt consolidation loan may help you get on track with a more straightforward and affordable payoff plan. And you get the added bonus of improving your credit score, too at OakParkFinancial.

Ahead, Select explains why lowering your credit card balances with a debt consolidation loan can have a positive impact on your credit while also helping you take steps toward financial freedom.

How your credit card balance impacts your credit score

Your credit utilization rate (CUR) is the second biggest factor (after payment history) that makes up your credit score. FICO and VantageScore, the two most common credit scoring models, look at the size of your credit card balances in comparison to how much available credit you have left.

Both major scoring models rank “amounts owed” and/or “percent of credit limit used” just below the number-one most important factor, on-time payment history.

Experts recommend keeping your total CUR well below 30% — so if you have a $10,000 credit limit, you should aim not to spend more than $3,000 each billing cycle. Some experts even suggest staying below 10%, which might not always be realistic depending on your budget and how much credit you have available.

What to do if your debt is ruining your credit score

If your high credit card balance is impacting your score, you’ll want to take steps to pay it off as soon as possible.

The fastest option is to make higher-than-minimum payments until you’ve completely paid off your full balance. You’ll continue to pay interest, but depending on how much you can afford to pay each month, you could tackle it before the interest charges get too out of control. But not everyone can afford to go this route.

If the balance is so high that you can’t make a considerable dent, and you’re spending a lot of money on high interest charges, you might want to consider transferring that debt to a personal loan with a lower APR. While applying for a debt consolidation loan will result in a small ding to your credit score (as with every hard inquiry), drastically lowering your CUR will more than likely result in a noticeable boost to your credit score.

After applying and getting approved for a debt consolidation loan, many lenders will pay off your creditors directly. Then you repay the loan in monthly installments, usually with a lower, fixed interest rate than you were paying on your credit cards. Once a personal loan is paid off, the credit line is closed and you have no more access to it. 

Before you make any decisions, use a free credit score simulator such as the one provided by CreditWise® from Capital One® to see that happens if you were to take out a new loan and pay off your credit card balance.

Using this free tool, you can enter hypothetical scenarios, such as taking out a $10,000 loan and/or paying off $10,000 of your current credit card debt, then watch as your score recalculates to estimate how it may improve with every financial decision. (You can also see what could happen in other hypothetical situations, like applying for a mortgage, taking out a car loan, letting your payments default, etc.)

Every consumer’s credit score depends on multiple variables. There are no guarantees, but you may find that reducing your CUR will help you raise your credit score in under 30 days.

Select offers a widget where you can put in your personal information and get matched with personal loan offers without damaging your credit score.

When narrowing down and ranking the best debt consolidation loans, we focused on recommending loans with fixed-rate APR (meaning it doesn’t go up and down), flexible loan amounts and terms, no early payoff penalties and no origination fees when possible.

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Tax Relief Bill Authorizes Minnesota Senate, But Democrats Say ‘Incomplete’ https://abwr.org/tax-relief-bill-authorizes-minnesota-senate-but-democrats-say-incomplete/ https://abwr.org/tax-relief-bill-authorizes-minnesota-senate-but-democrats-say-incomplete/#respond Wed, 07 Apr 2021 23:16:33 +0000 https://abwr.org/tax-relief-bill-authorizes-minnesota-senate-but-democrats-say-incomplete/ In a 55-12 vote, the Senate approved the roughly $ 470 million plan that would bring state tax laws into line with federal guidelines, allowing business owners who have cut program loans Paycheck Protection to avoid paying state income taxes. Minnesotans who received an additional UI benefit of $ 600 last year would also see […]]]>

In a 55-12 vote, the Senate approved the roughly $ 470 million plan that would bring state tax laws into line with federal guidelines, allowing business owners who have cut program loans Paycheck Protection to avoid paying state income taxes. Minnesotans who received an additional UI benefit of $ 600 last year would also see some of that benefit waived from their tax filing obligation.

More than 100,000 Minnesota businesses have received federal loans that were supposed to help them keep their employees on the payroll during the pandemic, and tens of thousands in Minnesota have claimed unemployment insurance benefits after their employers claimed them. laid off or reduced their hours due to COVID-19 and the state’s efforts to stop it.

Senators said they felt growing pressure to pass a tax compliance bill as business owners faced a deadline of Monday March 15 to file their tax returns. Without change, many could face additional income taxes due to PPP loans. Individual filers still have one month before their income tax is payable.

Democrats, Independents and Senate Republicans have urged their peers in the House of Representatives to pass the bill or a similar bill that could be prepared in a conference committee and sent to the governor’s office. House and Senate legislative leaders have weighed a compromise plan and have yet to achieve the one they have publicly shared.

“It can be done. It can still be done this week,” said bill’s author, Sen. Tom Bakk, I-Cook. “I would really encourage my colleagues and House leaders to make it happen, let’s not slow down the economic recovery from this pandemic.”

But the head of the House Tax Committee said the Senate bill was “incomplete” because it did not offer support to business owners who did not make a profit in 2020 or who have been prevented from receiving the loans. He also said lawmakers should offer more help to Minnesotans who should be taxed on unemployment insurance benefits.

“We need to make sure we help all of these businesses and those affected by the pandemic,” Representative Paul Marquart, D-Dilworth, told Forum News Service. “Before the train leaves the station, we have to bring all the businesses and individuals. And that’s what I’m afraid of. If you were to just accept this bill, who knows if we will have another tax bill. … There are going to be a lot of people who will be left behind. “

Marquart said tax compliance bills, proposals to remove taxes for more Minnesotans who were receiving unemployment insurance, and to let businesses that did not report profits in 2020 carry forward operating losses. had all been considered by his committee and could quickly be put to a vote in the House. . President Melissa Hortman, D-Brooklyn Park, said Monday’s deadline for passing a bill was a “red herring” and said leaders would continue to work to secure a deal before April 15 which could s ‘apply retroactively to businesses.

In the Senate, supporters of the bill said the legislature must quickly pass a compliance bill to help unemployed business owners and Minnesotans to avoid another economic setback.

“They were lifelines, the payroll protection plan was a lifeline not only for the company, but also for the employees. He kept the paychecks in circulation even when there were no customers and therefore supported workers in Minnesota, “said Senator Carla Nelson, R-Rochester.” Nfar too many of them would be imposed on their lifeline and that is unacceptable that we do that and that we put a lot of it above the abyss.

The Minnesota Chamber of Commerce applauded the vote and said the tax break could help Minnesota “continue to grow the economy and create and maintain jobs for the people of Minnesota.”

Democrats raised concerns about the proposal after senators voted against amendments to increase the amount of unemployment insurance exempt from income tax, exempt student loans from taxable income and put aside funding for summer programs.

“If we want to make this economic stimulus for businesses, then what we also need to do is ensure fairness for workers,” said Senator Jen McEwen, D-Duluth, introducing an amendment to exempt more unemployment insurance funds. “We have to stand up for the average Minnesotans, the workers of Minnesota.”

Gov. Tim Walz, at a press conference Thursday, urged lawmakers to add funding for summer school programs to a tax relief plan to tackle learning loss at distance. He proposed a $ 150 million plan that would make summer school options open to all students.

Follow Dana Ferguson on Twitter @bydanaferguson, call 651-290-0707 or email dferguson@forumcomm.com

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Why the best analysts bet on stocks like Alcon and Upstart https://abwr.org/why-the-best-analysts-bet-on-stocks-like-alcon-and-upstart/ https://abwr.org/why-the-best-analysts-bet-on-stocks-like-alcon-and-upstart/#respond Wed, 07 Apr 2021 23:16:28 +0000 https://abwr.org/why-the-best-analysts-bet-on-stocks-like-alcon-and-upstart/ The Alcon logo is seen at the company’s headquarters in Huenenberg, Switzerland, Monday, January 4, 2010. Peter Frommenwiler | Bloomberg | Getty Images As the first quarter of 2021 draws to a close, analysts look at stocks in their hedge universes and assess their position for the long term. Against this backdrop, there are high […]]]>

The Alcon logo is seen at the company’s headquarters in Huenenberg, Switzerland, Monday, January 4, 2010.

Peter Frommenwiler | Bloomberg | Getty Images

As the first quarter of 2021 draws to a close, analysts look at stocks in their hedge universes and assess their position for the long term.

Against this backdrop, there are high levels of unemployment and a vaccine rollout that is still in its early stages, with more than two-thirds of adults in the United States not yet receiving a single dose.

In these uncertain times, an approach find actions ready to generate long-term growth is to follow the recommendations of proven analysts.

Using TipRanks Analyst Forecasting Service, which attempts to identify the top performing Wall Street analysts based on pass rate and average return per rating, we checked recent stock picks from these top analysts.

Here are the five favorite stocks of top performing analysts right now.

ALX Oncology

ALX Oncology is an immuno-oncology company that develops therapies designed to block the CD47 checkpoint pathway for cancer patients.

Despite the recent sale, HC Wainwright analyst Swayampakula Ramakanth reiterated a buy note and a price target $ 100 (upside potential 59%) on March 22.

Ramakanth tells clients that negative investor sentiment is due to an unfavorable reading of the first line of the Phase 3 study of tilsotolimod, an Idera TLR9 agonist. It should be noted that on March 4, ALX Oncology agreed to a joint 50/50 collaboration with Tallac Therapeutics to develop a TLR9 agonist antibody conjugate targeting the alpha signal regulatory protein (SIRPα), SIRPα TRAAC, as cancer treatment, with an IND is expected to be filed by the end of 2022.

“In our opinion, the market has overreacted, as we believe that the two programs use completely different mechanisms of action although both programs use TLR9 agonists and due to the early stage of the program, the enhancement of SIRPα TRAAC has not yet been integrated. ALXO Award. Therefore, we believe that last Friday’s sale creates an attractive entry point for long-term investors, ”commented Ramakanth.

In addition, the analyst emphasizes the fact that ALXO will present the full results for ALX148, its high affinity CD47-binding fusion protein, from phase 1b studies in patients with gastric and gastroesophageal junction (GEJ) cancers and squamous cell carcinoma of the head and neck. neck (HNSCC) in mid-2021 and 2H21, respectively. The therapy is being evaluated in combination with Herceptin by Roche and Cyramza by Eli Lilly in gastric cancers / GEJ HER2 + and Keytruda by Merck in HNSCC.

As the available clinical data are promising, “the updates to the ALX148 data in HNSCC and gastric / GEJ cancers could be short-term catalysts for the stock,” according to Ramakanth. Additionally, Phase 1 data readings for ALX148 in high-risk MDS and AML at 4Q21 and 1Q22, respectively, may reflect additional catalysts, the analyst notes.

Ranked # 117 on TipRanks’ list of top performing analysts, Ramakanth has an average return of 36.3% per rating.

Semtech

In response to Semtech’s quarterback beat and raise, Rick Schafer of Oppenheimer praised the semiconductor company. To that end, the five-star analyst has maintained a buy rating as well as a price target of $ 80, which places the upside potential at 23%.

Looking at the print details, sales of $ 165 million and EPS of $ 0.51 exceeded consensus estimates of $ 158 million and $ 0.48. Most notable, however, is that LoRa finished 2020 at $ 88 million, up from $ 74 million, with the company “winning keynotes with Amazon Sidewalk and AWS IoT Core network (combined $ 100 million opportunity) “.

“We see these victories further validating LoRa and its ecosystem. TCMS also announced a partnership with Webee in conjunction with the results. The Webee agreement allows customers to easily connect LoRa devices to MSFT Azure. LoRa cloud services start contributing this year (weighted 2H) and management expects to gain more than 20 cloud customers through EOY, ”noted Schafer.

Schafer also points out that the rise in adoption as public and private operators LoRa rose to 150, rising to 165 by the end of the year. In addition to LoRa, the analyst argues that 5G and DC will support “accelerating growth.”

“LoRa’s cloud services are poised to generate future benchmark gains, in our opinion. LoRa remains the primary growth / uptick driver for SMTC with a potential CAGR of 40% and above over 5 years. We remain buyers at long term, ”Schafer said.

With a current pass rate of 76% and an average return of 22.3% per rating, Schafer ranks 57th in TipRanks’ best analyst rankings.

CuriosityStream

Content creator and streaming company CuriosityStream just reported strong subscriber numbers for the 4Q20. As of December 31, 2020, the company had 15 million total subscribers, up 50% year-over-year.

It should be noted that 75% of CURI ‘s DTC subscribers pay $ 20 for an annual plan, and the churn rate has declined 25% year over year to reach an average lifespan of 30 months. In addition, the launch of discovery + January 4 of this year had no negative impact on CURI’s subscriber growth in the first quarter.

Needham analyst Laura Martin was impressed, with the top analyst leaving her buy rating and $ 25 price target as is. This price target suggests an upside potential of 79%.

“What we love most about CURI is that it’s a streaming company, where the bulk of its revenue comes from companies around the world on 5-year contracts. investors visibility and downside protection For example, CURI has stated that 80% of its annual revenue forecast for 2021 is contracted and highly predictable, ”Martin explained.

As for the total number of hours in the CURI library, around 30% are fully owned by CURI while 70% are licensed under three to five year contract terms, with it being prepared to maintain this mix. . According to management, there has been no upward pressure on the cost of rights for the licensed content.

The company also entered into two sponsorship deals in the fourth quarter, reflecting a new source of revenue, says Martin, with the analyst estimating those deals will add $ 5 million to revenue in 2021 and $ 7-10 million. income in 2022.

Landing among the top 65 analysts tracked by TipRanks, Martin achieved a 64% success rate and an average return of 32% per rating.

Reached

After a major beat in 4Q20, Bank of America Securities analyst Nat Schindler handed over Reached an upgrade, with the rating changing from Neutral to Buy. Further proving his optimism, he increased the price target from $ 57 to $ 135. This new target puts the upside potential at 13%.

Easily exceeding street expectations, revenue for the quarter was $ 84.4 million, compared to $ 79 million estimated by consensus. EBITDA of $ 15.5 million exceeded estimate of $ 11.1 million. Although Upstart posted EPS of $ 0.00, analysts initially called for a loss of $ 0.07.

This impressive performance is explained by a weaker-than-expected impact of Credit Karma’s November adjustments, a high lending volume of 123,396 loans, up 57% year-over-year, and a higher conversion rate. amounted to 17.4%, compared to 14.9% in 4Q19.

“We are encouraged by Reachedthe ability to deliver 39% growth on tough comps as an ongoing validation of Upstart’s value proposition to banking partners and consumers. We believe Upstart could see longer-term growth from recurring borrowers and comments on the call suggest a strong pipeline of banking partners going forward, ”said Schindler.

Since the company debuted on the public market in December, it has signed three new banks, bringing the total number of partner banks to 15. In addition, the company has just revealed that it is preparing to acquire Prodigy, automotive retail software publisher.

“Although we do not expect a significant contribution to revenues in 2021, we see the acquisition of Prodigy as a major step in Upstart’s expansion into the adjacent TAM of auto loans (estimated at $ 626 billion),” Schindler commented.

Going forward, management estimates that FY21’s revenue will amount to $ 500 million, compared to the consensus estimate of $ 427 million.

According to TipRanks, Schindler has a success rate of 59% and an average return of 22% per note.

Alcon

In a recent research note, BTIG analyst Ryan Zimmerman writes that multiple product initiatives, a boost to the recovery and clarity on long-term goals should help investors “see 20/20 in 2021 “, in regards to Alcon.

With that in mind, the five-star analyst upgraded the rating to Buy, with the analyst also assigning a price target of $ 78 (upside potential of 13%) to the eye care supplier.

Zimmerman acknowledges the fact that since the company originated from Novartis in 2019, stocks underperformed the S&P 500 even though it enjoyed a “healthy valuation premium and exceeded expectations in three of the last four quarters.” Some investors have expressed concern about ALS’s ability to increase operating margins, with the pandemic also hampering the ophthalmic space more than other areas of medical technology.

To this Zimmerman replied: “However, ALC enters FY21 with a litany of top engines and benefits from the recovery momentum (evident in our surveys and KOL calls), and we expect mgmt.to to “ put to bed ” questions about long-term goals on Capital Markets Day. “

Although the analyst realizes that operating margins are a cause for concern, Zimmerman maintains that “it is not a question of whether ALC achieves a low operating margin-20, but when; we believe the difference is a year or more (due to COVID) is not prohibitive to hold shares that may continue greater than market growth, which begins to generate operational leverage in the years to come. “

Looking at the main growth drivers in 2021, the analyst expects patients to return to ophthalmologists and optometry visits, as more people seek optical solutions to counter the negative effects of the increased screen time, cataract recovery and refractive surgery volumes, adoption of AT-IOLs continues and hospital budgets are returning to surgical equipment.

With a 62% pass rate and an average return of 34.7% per note, Zimmerman is ranked # 110 on the TipRanks list.

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How CPAs Can Help Clients Consolidate Households During The Pandemic https://abwr.org/how-cpas-can-help-clients-consolidate-households-during-the-pandemic/ https://abwr.org/how-cpas-can-help-clients-consolidate-households-during-the-pandemic/#respond Wed, 07 Apr 2021 23:16:08 +0000 https://abwr.org/how-cpas-can-help-clients-consolidate-households-during-the-pandemic/ The coronavirus pandemic has changed many aspects of life, including where people live. Record numbers of young adults have returned to live with their parents, and some families have decided to consolidate their households or remove elderly seniors from nursing homes to protect them from the virus and help them avoid isolation. CPAs can help […]]]>

The coronavirus pandemic has changed many aspects of life, including where people live.

Record numbers of young adults have returned to live with their parents, and some families have decided to consolidate their households or remove elderly seniors from nursing homes to protect them from the virus and help them avoid isolation.

CPAs can help their clients navigate these life changes in a number of ways, from adding dependents when filing income tax to finding the best way to fund a larger living space. .

Below, two CPAs share their thoughts on how to help clients navigate the changes in their homes.

Finance larger living spaces: Some multigenerational family units that work and learn together at home have chosen larger living spaces. Oscar Vives Ortiz, CPA / PFS, of PNC Wealth Management, said real estate in his hometown of Tampa, Florida has picked up during the pandemic.

“Families being together and spending more time together during the pandemic can be a silver lining,” he said.

There are several factors that customers need to consider when purchasing a larger home, said Vives Ortiz. CPAs can help clients determine the most tax-efficient way to purchase a new home, by weighing factors such as down payment amount, mortgage options, future tax obligations, and desirability. to buy it outright.

CPAs can also discuss with clients where to withdraw the money – including whether to involve savings, retirement or investment accounts, he said.

The children come home: More than half (52%) of adults under 30 now live with their parents, according to a summer analysis Census Bureau data from the Pew Research Center. The Pew authors noted that the last time so many young people lived at home was during the Great Depression.

“Young adults have been particularly hard hit by the pandemic and the economic downturn this year, and have been more likely to relocate than other age groups,” the authors wrote, noting another Pew Inquiry which found that about one in 10 young adults had moved because of COVID-19.

Twenty-three percent of those surveyed cited closure of college campuses as the main reason for their move, and 18% said their move was the result of job loss or other financial reasons.

It is important for CPAs to remember that every family situation is different. And children who return home as adults for a period of time shouldn’t be viewed as a negative event, said Paula McMillan, CPA / PFS, CGMA, of the Stearns Financial Group in Greensboro, North Carolina. ” she said.

She encourages CPAs to promote to their clients the possible financial advantages for a young person who returns home for a period of time. Providing a temporary financial safety net could allow young adults to pay off student loans faster or save for a down payment on a house.

“Throwing away the stigma that staying home until marriage – or some other predetermined time – is a failure to get started,” McMillan said. “What young adults and their parents decide to do today, in this uncertain world requiring more leeway than ever, is up to them.

She warns parents to create boundaries from the start. Some young adults left the crowded apartments they shared with roommates, and McMillan said it may be appropriate to enforce some rules. Maybe establish some form of rent payment or determine their share of utility and grocery costs, she said.

Revisit Healthcare Proxies: Vives Ortiz said it was also a good time to remind clients to make sure their planning documents are in place, such as health care power of attorney and medical power of attorney.

Parents are used to making these decisions for their children, Vives Ortiz said, but once children reach adulthood, they need to establish a medical power of attorney.

Under certain COVID-19 travel restrictions, it may be time to review these documents. CPAs can direct clients to the right professionals to help them tidy up the paperwork. For example, if a client appointed a family member who now lives in another state as their proxy, it might be useful to shift that responsibility to a more local relative, he said.

Grandparents moving in: As significant numbers of adult children return home, the pandemic has also caused many to move their aging parents and parents outside collective living spaces and in their homes.

COVID-19 has taken a heavy toll on older Americans. In early March, there were 1.4 million cases and 175,059 deaths in long-term care facilities across the country due to the virus. Some Americans have taken time off to care for loved ones who moved in with them during the pandemic, which can be a significant financial burden for some families.

McMillan said this highlights the importance of financial scenario planning, including bad scenario planning. Although financial planners ignore a pandemic, in itself, they take into account the loss of work due to a catastrophic health event, she said.

“What we’re talking about is a ‘safety margin’, whether it’s a pandemic or some other health event,” McMillan said.

Some people put money aside over time to anticipate elder care or take significant time off to care for an aging parent, she said. Other people may be exploring these options now or considering home retrofit costs.

If a client pays more than half of a family member’s living expenses, that family member could be considered a dependent for tax purposes. Vives Ortiz said CPAs can help clients navigate the rules and conditions around claiming adult dependents and whether that might be an option for them when parents move in.

Vives Ortiz said he has also encountered situations in which an elderly client would adjust their estate to leave more to a child who has taken on most of their care. He has even helped clients formalize caregiving agreements.

“Some people have made adjustments to their estate plan,” said Vives Ortiz. “And that’s something that needs to be communicated. Communication is key. A lot of times people prefer to talk about medical issues rather than finances. It seems so personal.”

But having those difficult conversations now can prevent conflict down the line.

“Every dynamic and family situation will be a little different,” he said. “But better communication between family members should alleviate any kind of ill will once mom or dad has passed away.”

CPAs can help open the channels of communication on this issue and help their clients think through what needs to happen next.

For more information and reports on the coronavirus and how CPAs can handle the challenges of the outbreak, visit the JofAof coronavirus resource page.

Taylor knopf is a freelance writer based in North Carolina. To comment on this article or suggest an idea for another article, contact Chris Baysden, a JofA associate director at Chris.Baysden@aicpa-cima.com.

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Veteran Warhorses Help Returning Soldiers Acclimatize to Civilian Life https://abwr.org/veteran-warhorses-help-returning-soldiers-acclimatize-to-civilian-life/ https://abwr.org/veteran-warhorses-help-returning-soldiers-acclimatize-to-civilian-life/#respond Wed, 07 Apr 2021 23:15:53 +0000 https://abwr.org/veteran-warhorses-help-returning-soldiers-acclimatize-to-civilian-life/ War horses for veterans provides veterans and first responders with the tools to reintegrate into their communities and recover from trauma. The program is based in Stilwell, Kansas. It’s an all-expense-paid equine liaison / networking experience. It was designed for combat veterans from across the country and first responders in the Kansas City area. In […]]]>

War horses for veterans provides veterans and first responders with the tools to reintegrate into their communities and recover from trauma. The program is based in Stilwell, Kansas. It’s an all-expense-paid equine liaison / networking experience. It was designed for combat veterans from across the country and first responders in the Kansas City area.

In a recent exchange with Small Business Trends, co-founder and military veteran Patrick Benson explains the end goal of his business:

“We envision a community of veterans, first responders and others,” he said. “They support each other as each individual moves from trauma and recovery to a productive and sustainable life.”

War Horses for Veterans pays for training, travel, accommodation, and food to participate in the Qualified Veterans Program. All participants work with horses. They get involved with care, groundwork, saddlery and different levels of driving.



Veterans Warhorses Help Soldiers Acclimatize

These programs offered by War Horses for veterans can be personalized.

“Some groups are meetings, operations decompression, bridging programs and / or leadership and communication training. This is all taught using horses, ”says Benson.

It describes a parallel aid layer.

“We use other tools that help define focus areas for groups and individuals. There is a course that has been changed for us, ”he said. “It helps to understand how each participant learns and processes information. This includes their strengths and limitations. “

Mentoring

There is also a 9 day mentoring program. And a new indoor facility / merry-go-round with a 2,500 square foot professional living room / kitchen. It is made up of volunteer chefs. There are also one-day workshops.

They have also just launched their first responder and culinary programs.

Benson has a personal interest in his business. He served six years in the US Army infantry, including a tour of Iraq in 2003.

“Then, just like that, I went from shooting to civilian life in a matter of weeks,” he said.

He needed help and got in touch with a contact. Benson knew a renowned horse trainer and clinician. He wrote to her about his participation in his program when he returned home in 2004.

After participating in this program, Benson started his own business called PB Equestrian LLC at that time. His entrepreneurial spirit had unintended consequences.

“What I was doing had an impact on my PTSD and TBI issues,” he said.

A few other chance encounters along the way paved the way for his new venture.

“I met a man after a clinic where I taught in North Carolina,” Benson said. “He said you were doing a great job fixing these horses, but you don’t realize they are fixing you.”

Benson learned that these gentlemen were a Green Beret from Vietnam. This veteran told him how horses saved his life. Then he began to make connections between soldiers and these animals by meeting more returning veterans.

Lessons to learn

“There were so many lessons to learn,” he says. “Like leadership, communication, feelings, thinking, peace, humility, strength, trust and love.”

Fast forward to equestrian operation, Benson took over from mentor Andy Brown in 2013.

“One day after work, Andy and I sat on the porch of his house. He turned to me and told me he wanted to help the veterans. I told him I had an idea and 30 minutes later War Horses for Veterans was born. Andy and Patricia Brown are co-founders alongside Benson.

Many successes

The program has had many successes so far. They include veterans who become mentors and others who have found purpose and direction through War Horses for Veterans.

“Others have started their own programs in other areas that veterans and their own businesses need,” Benson said. “Many are able to overcome their anxiety and depression so that they can just live their lives in peace.”

Ultimately, he emphasizes that their inner strength and camaraderie are their best assets.

“Horses are the bridge, but veterans are their best therapy,” Benson says.

LEARN MORE:

Image: Depositphotos.com


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About the Zing Blog | Quicken Loans Blog https://abwr.org/about-the-zing-blog-quicken-loans-blog/ https://abwr.org/about-the-zing-blog-quicken-loans-blog/#respond Wed, 07 Apr 2021 23:14:19 +0000 https://abwr.org/about-the-zing-blog-quicken-loans-blog/ Incredible insights into home, money and life. And Quicken loans. And Detroit. This is what we write on the Zing blog of Quicken Loans. And as you can imagine, that gives us a lot of topics that we can cover. We love it on our blog. We want our readers to get good information on […]]]>

Incredible insights into home, money and life. And Quicken loans. And Detroit.

This is what we write on the Zing blog of Quicken Loans. And as you can imagine, that gives us a lot of topics that we can cover. We love it on our blog. We want our readers to get good information on a wide variety of things. Things they will find useful beyond mortgages.

The title of “Zing” is derived from the word “amazing”. The tagline for Quicken Loans is “Engineered to Amaze” and we believe the blog is a big contributor to that tagline.

You might be reading this and wondering why we are writing about Quicken Loans and Detroit on Zing.

The Quicken Loans part is simple. This is the official Quicken Loans blog. So of course we will write about some events and information / news about our company. That makes sense, doesn’t it? The Detroit thing? That doesn’t make sense, does it? Why are we writing so much about Detroit on this blog? The answer might surprise you. The bottom line is that Quicken Loans is dedicated and invested in the revitalization of Detroit. It’s not just talking. It is a mission of the company. Detroit has struggled for the past few decades and Quicken Loans is leading a resurgence of downtown Detroit that we hope is spreading throughout the city. We hope that explains it clearly. We want Detroit to prosper and we’re writing about all the great things happening in our beloved hometown.

Regular Zing contributors are all members of the Quicken Loans team, with occasional contribution from a friend or partner.

We would love to hear from you on our articles or any ideas you may have for us to write. Send all your questions and suggestions to content@quickenloans.com.

We’ve seen opinions and forecasts from industry leaders that corporate blogging is outdated and no longer the flavor of the month.

We clearly do not share this point of view. Clearly. We hope you enjoy reading our articles as much as we enjoy writing them. This blog has been a labor of love for us for a few years now. We are excited about the future.

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Michael McGurk planned to ‘expose’ accused murderer Ron Medich, court said https://abwr.org/michael-mcgurk-planned-to-expose-accused-murderer-ron-medich-court-said/ https://abwr.org/michael-mcgurk-planned-to-expose-accused-murderer-ron-medich-court-said/#respond Wed, 07 Apr 2021 23:14:19 +0000 https://abwr.org/michael-mcgurk-planned-to-expose-accused-murderer-ron-medich-court-said/ However, when Mr. Medich and Mr. McGurk later split up, they both attempted to use Mr. Mathieson, who had moved to Hawaii because he feared for his life, to harm himself. In May 2009, Mr. Medich offered him a loan of $ 7 million in exchange for providing police with a statement implicating Mr. McGurk […]]]>

However, when Mr. Medich and Mr. McGurk later split up, they both attempted to use Mr. Mathieson, who had moved to Hawaii because he feared for his life, to harm himself.

In May 2009, Mr. Medich offered him a loan of $ 7 million in exchange for providing police with a statement implicating Mr. McGurk in a house fire in Point Piper.

For his part, Mr. McGurk had traveled to Honolulu to try to persuade Mr. Mathieson to be part of a scheme to rip off Mr. Medich.

Mr. Mathieson was not in court to testify. Instead, the testimony he presented at a preliminary hearing in 2013 and the statements he made to the police were read to the jury by Judge Geoff Bellew, who told the jury that he didn’t have to worry about the reasons for Mr. Mathieson’s absence.

In other evidence, criminal Robert “Bobbie” McCarthy said that in 2013 he was in Long Bay Prison with Lucky Gattellari, who was jailed for his role in organizing the murder of Mr. McGurk. .

Gattellari received a substantial reduction in his sentence in exchange for his testimony against Mr Medich, his former close friend.

The jury heard that Gattellari had arranged for McCarthy to deliver a two-page letter to Mr Medich after his release from prison in May 2013.

McCarthy said he couldn’t find Mr. Medich, so Gattellari’s brother Frank drove him to Mr. Medich’s brother Roy.

He left a note in Roy Medich’s mailbox asking him to urgently contact McCarthy. When Roy Medich called, McCarthy informed him that he wanted to have a “sit down” with Ron Medich on behalf of Gattellari.

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The court heard that Gattellari, McCarthy and others had been charged with conspiracy to defraud Mr. Medich.

McCarthy’s testimony will continue on Monday.

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The incredible Monkey Island in Puerto Rico where humans are the cages https://abwr.org/the-incredible-monkey-island-in-puerto-rico-where-humans-are-the-cages/ https://abwr.org/the-incredible-monkey-island-in-puerto-rico-where-humans-are-the-cages/#respond Wed, 07 Apr 2021 23:14:19 +0000 https://abwr.org/the-incredible-monkey-island-in-puerto-rico-where-humans-are-the-cages/ Rhesus macaque monkeys roam Cayo Santiago ASSOCIATED PRESS I was in a small boat passing a small island a mile off the east coast of Puerto Rico when I first noticed the strange inhabitants of the island. The island of Cayo Santiago is entirely inhabited and controlled by more than 2,000 rhesus macaque monkeys. I […]]]>

I was in a small boat passing a small island a mile off the east coast of Puerto Rico when I first noticed the strange inhabitants of the island. The island of Cayo Santiago is entirely inhabited and controlled by more than 2,000 rhesus macaque monkeys. I was delighted to have the opportunity to visit the exclusive country of the monkeys, but tourists are not allowed to set foot on the island. Humans are not allowed to stay on the island, and researchers are limited to their time on the island, so my experience was done from a distance.

On this remote ape island, the colony of rhesus macaques began when hundreds of them were delivered in 1938 for research projects, and it has become the ultimate destination for primatologists. With support from Columbia University and the School of Tropical Medicine at the University of Puerto Rico, psychologist Dr. Clearance Carpenter created a 38-acre island as the project site.

The monkeys were captured in 12 different districts of India, crated and transported by boat through New York to San Juan. The goal was to establish a breeding colony of disease-free monkeys to provide animals for tropical disease research.

Cayo Santiago has become well known for its research into population management practices and its extensive genetic and demographic databases. Yet that all changed in an instant in 2017 when Hurricane Maria destroyed the island with most of its vegetation lost.

I spoke at length with Angelina Ruiz-Lambides, Scientific Director of the Cayo Santiago Biological Field Station Caribbean Primate Research Center, about the aftermath of the hurricane and how life on the island ultimately turned out to be. prosperous.

“We observed after the hurricane how social networks were altered in the aftermath of an environmental disaster, as part of a collaborative project with the University of Roehampton, UPENN, Univ. Exeter and the UPR, ”she said. “Primates are expected to adapt socially in response to dynamic environments. We found that neighborhood networks were significantly altered after the hurricane, suggesting that individuals became more tolerant in the harsher days after the hurricane due to lack of water and food. I have personally observed similar behavior among PR people. You can observe that people are more tolerant; a good example of this is how well the traffic was handled even though there was no electricity. “

After the hurricane, CSFS scientific staff continued their commitment to serving the local community after the devastation caused by the hurricane. “We had the help of AmeriCorps volunteers and other volunteers affiliated with Project Monkey Island (a group of scientists and other great people from the United States) who joined us in rebuilding the homes of community and remove tons of debris. Cayo Santiago as well as in our reforestation efforts. she continued. “After the devastation caused by the hurricane, the lack of vegetation presents a challenge of food availability and shade from the intense sun for the rhesus macaque colony.”

In the aftermath of the hurricane, research had to be suspended and it took almost two years to finally be able to capture the youngest individuals to take a blood sample and get a tattoo for identification. Researchers are also collecting behaviors over the year, to learn more about the physiology of individuals studying aging or stress; they have to collect these blood samples for genotyping or hormonal analysis.

How the majority of the monkeys survived the hurricane remains a mystery. Angelina thinks they just huddle in small family groups against the base of the trees, or move up and down the hills depending on how the wind or rain hits. “It’s very impressive that they are surviving these two hundred mile force winds. Before the hurricane, we had about sixteen hundred. And now we have over two thousand monkeys on the island.

They have entered into several collaborations with the University of Puerto Rico and the University of Pennsylvania and Exeter, where they have seen how social media has been altered in the wake of an environmental disaster such as Hurricane Maria. Research conducted with California State University, Long Beach and the University of Richmond found that low cost female fertility was like a buffer strategy during hurricane years and women could avoid having a baby the following year in order to focus on their health before they get pregnant.

And I wondered what the daily life of the researchers on the island was like. “Every day we take a boat, from 7 am to 3 pm, where we spend the day collecting behavioral data and collecting poop samples,” she explains. “It’s dangerous. Monkeys are aggressive. They’re used to it, but they’re still wild animals, so we have very little interaction with them and kind of like pretending to be ghosts. We don’t interact. . ”Monkeys also carry herpes B, a version of the virus that can be fatal to humans on contact.

And forget the meals together with the monkeys, humans are the ones in cages on this island. “Years ago we didn’t have cages to eat our food because the monkeys were aggressive and stole our food. Now we have cages where we can take a break and not be disturbed by the monkeys and try to minimize the disturbance, ”she says.

A new law was recently passed by the government and people will no longer be able to enter the island. Visitors can only be approved by the university. For now, it’s all about research and fewer selfies.

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Support for black-owned businesses in Oregon is increasing as protests continue, but will it last? https://abwr.org/support-for-black-owned-businesses-in-oregon-is-increasing-as-protests-continue-but-will-it-last/ https://abwr.org/support-for-black-owned-businesses-in-oregon-is-increasing-as-protests-continue-but-will-it-last/#respond Wed, 07 Apr 2021 23:14:19 +0000 https://abwr.org/support-for-black-owned-businesses-in-oregon-is-increasing-as-protests-continue-but-will-it-last/ For black business owners, the pandemic and the murder of George Floyd by a police officer and the following protests came as an emotional shock. Amalfi’s Italian restaurant and Abbey Creek Vineyard, like most businesses in the state and country, are reeling from the coronavirus pandemic. “We had to immediately lay off 85%, 90% of […]]]>

For black business owners, the pandemic and the murder of George Floyd by a police officer and the following protests came as an emotional shock.

Amalfi’s Italian restaurant and Abbey Creek Vineyard, like most businesses in the state and country, are reeling from the coronavirus pandemic.

“We had to immediately lay off 85%, 90% of our workforce,” owner Kiauna Floyd said of her northeast Portland restaurant Amalfi. “Really, it’s our family, we had to lay off 85%, 90% of our family.”

Bertony Faustin, owner of Abbey Creek Vineyard in North Plains, said, “We’ve lost 75% of our monthly income this time of year.”

And then came the video of a policeman in Minneapolis kneeling on George Floyd’s neck as he begged for his life.

As nationwide protests enter their second week, Portland’s black-owned businesses have seen their support increase. But some in the community fear this moment will not last.

Since the protests began, Kiauna Floyd has said he has seen “an outcry of just support and love” from the community.

Faustin had a similar experience. “We’ve seen a lot of support,” he said, “and not just in the purchase of products, but even just in support emails, letters or messages.

“What I find amazing about it,” he said, “is that people are intentional with their money.”

Social media has been inundated with advice for those supporting the Black Lives Matter movement on how to be better allies, including supporting black-owned businesses.

Jomo Greenidge created the website BlackPDX.com in 2016, and works on the site with alumni of Benson Polytechnic high school, Jose Luis Garcia and Jordan Clavon.

The website highlights black-owned businesses in Portland, and Clavon said he was amazed at how much interest in the website had grown during the ongoing protests.

“It’s crazy now to see my friends sharing the website, and it actually does what it’s supposed to do,” Clavon said.

Greenidge estimates that engagement with the website is up 200% to 300%. He said there were so many messages that he didn’t have time to reply to all of them.

Support is welcome from both Floyd and Faustin, who said the murder of George Floyd and the protest that followed was personal.

“I am my brand, they are not separate,” Faustin said. “So if I feel something, through some negativity or whatever is going on in society, it affects me with all my heart as well.”

Floyd struggles to juggle her roles as a business owner and mother in these turbulent times.

“Now I’m having a hard time balancing these two factors, trying to keep a business afloat during a pandemic and now trying to explain to my kids,” Floyd said, “that unfortunately sometimes they will be criticized and criticized for the color of their skin or at least put in a box because of the color of their skin and not because of their gentle loving heart.

Her children and husband took part in the marches, although Floyd couldn’t as long as she worked six days a week to make sure Amalfi remained open.

But, said Floyd, she was inspired by the community’s support for her restaurant.

“The beautiful thing is that we have seen a wave of support for Amalfi as a black-owned business, but also just as a grassroots neighborhood business,” she said.

Amalfi has been in northeast Portland for 61 years. Kiauna Floyd took over ownership from his father in 2006.

“And it’s really sincere,” she added. “It’s really sincere.”

Greenidge from BlackPDX.com said the wave of support from the white community surprised him. “But,” he added, “we’ve been here before.”

“We’ve been here at a time when whites galvanized themselves to take action that they wouldn’t normally take,” he said, “but then that moment passes and we fall back into normalcy.”

Still, Greenidge is somewhat optimistic.

“It looks a lot different than it has ever been before,” he said. “I would hate if we were excited for this to be any different and then white people back out of the opportunity to really make meaningful systemic change.”

Tony Hopson is CEO of Portland nonprofit Self Enhancement Inc., a nonprofit organization that works with families in Portland’s black community.

“On the one hand, there is a tremendous degree of excitement” about the protests, Hopson said.

But, he added, “For many of us blacks, there is a certain level of almost disgust that it has taken people so long. It is not the first time that someone has said, “I cannot breathe”. “

“As a black person in America, it’s kind of like you’re tired,” Hopson said. “It’s kind of like, wow, what took you so long?”

Greenidge and Hopson agree that while the current support for black-owned businesses is welcome, it is not enough.

“How do you take a moment in time and make it a complete movement?” Hopson said.

“It’s hope this time. That it’s not just another time another black man or black person was murdered in broad daylight, ”he said. “May this become a movement that all Americans support for change.”

The coronavirus pandemic could be one of the reasons why this moment may lead to something different, said Libra Forde, COO of Self Enhancement Inc.

“I think the added difference is that it’s a focused moment,” she said. “This is the first time everyone has been forced to watch. You can’t go and do something else because we’re all stuck in this moment. “

Greenidge believes the coronavirus was a catalyst for bringing many people onto the streets.

The virus, in some ways, he said, could be “one of the biggest things to happen if it can cause global systemic change.”

What will it take for this change to happen? It’s not just about sponsoring black-owned businesses while it’s trending. Forde and Greenidge agree: Whites must change.

“When it comes to racism, we as black people didn’t create it, we don’t benefit from it, it doesn’t serve us,” Greenidge said.

“If you want to know who should fight racism most categorically,” he added, “it’s the whites”.

Forde said, “In any relationship in life where someone does something wrong in the relationship, it’s up to the person who did the wrong to fix it, not the person who was touched by the wrong. .

“So we have to find something new to do,” she said, “and we can’t rely on black people to do it.”

– Lizzy Acker

503-221-8052, misser@oregonian.com, @lizzzyacker

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3 Unknown But Amazing Dividend Stocks https://abwr.org/3-unknown-but-amazing-dividend-stocks/ https://abwr.org/3-unknown-but-amazing-dividend-stocks/#respond Wed, 07 Apr 2021 23:14:19 +0000 https://abwr.org/3-unknown-but-amazing-dividend-stocks/ Investors looking for income have many reliable options dividend shares. Because there are so many to choose from, some great ones can be overlooked. Three of these companies are sleepy utility PPL (NYSE: PPL), Canadian intermediary operator Pembina pipeline (NYSE: PBA), and master of the limited partnership (MLP) Phillips 66 Partners (NYSE: PSXP). Here’s why […]]]>

Investors looking for income have many reliable options dividend shares. Because there are so many to choose from, some great ones can be overlooked.

Three of these companies are sleepy utility PPL (NYSE: PPL), Canadian intermediary operator Pembina pipeline (NYSE: PBA), and master of the limited partnership (MLP) Phillips 66 Partners (NYSE: PSXP). Here’s why investors will want to know about these fantastic dividend-paying stocks.

Image source: Getty Images.

As stable as they come

PPL operates several regulated electricity and gas utilities in Pennsylvania, Kentucky and the United Kingdom. It has been a great dividend stock over the years. He has not only paid his investors in each of the last 294 consecutive quarters, but has also increased his payout every year since 2011. These steady increases have helped raise the utility’s performance to well above average. 5.6%.

This trend is expected to continue over the next few years. PPL currently plans to invest $ 15 billion through 2023 to expand its business. These investments allow the company to increase earnings per share at an annual rate of 5% to 6% until at least 2020, which should support steady dividend growth. As a result, PPL has the potential to generate total returns for shareholders in the range of 10% to 12% per year. That’s why investors won’t want to continue overhanging the company.

Get paid every month

Pembina Pipeline operates a diversified portfolio of midstream infrastructure in the United States and Canada. Because these assets generate stable cash flow, Pembina has been able to pay its investors a constant dividend. What sets its payment apart from most companies is that Pembina cuts a check to its investors every month rather than quarterly. Meanwhile, it has steadily increased its monthly dividend each year for the past decade, growing it at a compound annual rate of 4.5%.

More dividend growth is coming. Pembina has already announced plans to increase its payments by 5% following the acquisition of Kinder Morgan Canada and another pipeline from the American energy infrastructure giant Kinder Morgan. In addition to the boost from this deal, Pembina has C $ 5.5 billion ($ 4.2 billion) in expansion projects currently under construction, which will increase its cash flow over the next several years. On top of that, it has another C $ 10 billion ($ 7.6 billion) of projects under development, which should give it plenty of fuel to continue growing its dividend by 4.7% in the future. years to come.

High octane revenue growth

Phillips 66 Partners is an MLP focused primarily on owning oil and natural gas liquids infrastructure. The company has grown at a rapid pace over the years by acquiring assets from its parent company, refiner Phillips 66. This strategy has allowed MLP to increase its distribution to investors in the 23 quarters since its IPO in 2013, growing it at a compound annual rate of 30% through the end of 2018. While the rate of Phillip 66 Partners’ growth has slowed this year, its latest increase was still healthy 14% above the level of the previous year.

Phillips 66 Partners is expected to have enough fuel to continue growing its payments at an above average rate in the years to come. Although it acquired most of Phillips 66’s mid-level assets, MLP shifted its growth engine to run on organic expansion projects. It currently has several under construction, including a full-scale pipeline that will transport oil from the Permian Basin to the Gulf Coast. As these projects go live, they will provide Phillips 66 Partners with more cash flow than it can use to increase its dividend by 6.3%.

Great options for a growing income stream

This trio of energy companies are probably not the first that spring to mind when investors consider adding another income stock to their portfolios. However, as their story shows, each did an amazing job paying dividends. Better yet, all three have enough fuel to increase their already attractive payouts in the years to come. This makes them ideal options for income-oriented investors.

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a premium Motley Fool consulting service. We are motley! 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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