Debt – Rauchen Aufgeben http://rauchen-aufgeben.org/ Fri, 17 Sep 2021 22:57:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://rauchen-aufgeben.org/wp-content/uploads/2021/05/cropped-icon-32x32.png Debt – Rauchen Aufgeben http://rauchen-aufgeben.org/ 32 32 Compare debt consolidation loans in Australia https://rauchen-aufgeben.org/compare-debt-consolidation-loans-in-australia/ https://rauchen-aufgeben.org/compare-debt-consolidation-loans-in-australia/#respond Tue, 04 May 2021 23:54:47 +0000 https://rauchen-aufgeben.org/compare-debt-consolidation-loans-in-australia/ Total reimbursements for a 3-year, $30,000 ready to 6.47% would be $32 733*. Terms of 1–7 years Enjoy the flexibility of a variable rate personal loan at a competitive interest rate. Underline Total reimbursements for a 3-year, $30,000 ready to 6.49% would be $33,096*. Terms of 3–5 years Tech-savvy borrowers can join this digital lender […]]]>

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CBS and Viacom agree to merge and strike $ 12 billion deal https://rauchen-aufgeben.org/cbs-and-viacom-agree-to-merge-and-strike-12-billion-deal/ https://rauchen-aufgeben.org/cbs-and-viacom-agree-to-merge-and-strike-12-billion-deal/#respond Tue, 04 May 2021 23:54:47 +0000 https://rauchen-aufgeben.org/cbs-and-viacom-agree-to-merge-and-strike-12-billion-deal/ After years of merger talks, broadcast giant CBS Corp. and its sister company Viacom Inc. finally agreed on Tuesday to come together in a nearly $ 12 billion deal that will bring together such well-known brands as CBS, MTV, Nickelodeon and Showtime. CBS, which is the larger of the two companies and worth $ 18.5 […]]]>

After years of merger talks, broadcast giant CBS Corp. and its sister company Viacom Inc. finally agreed on Tuesday to come together in a nearly $ 12 billion deal that will bring together such well-known brands as CBS, MTV, Nickelodeon and Showtime.

CBS, which is the larger of the two companies and worth $ 18.5 billion, will absorb the smaller Viacom, which owns assets such as BET, Comedy Central and the Paramount Pictures Hollywood film studio. The new company will be called ViacomCBS Inc., in a nod to the legacy of Sumner Redstone, the sick 96-year-old media titan who built an empire out of a small chain of drive-in theaters in the northeast.

Viacom CEO Bob Bakish will become chairman and CEO of the new entity and secure a seat on the board. Shari Redstone, the mogul’s daughter, will become the first president in Viacom’s history.

The proposed merger of the two New York-based companies is the latest in a wave of entertainment industry consolidations and has been widely expected. It was the third time in three years that CBS and Viacom had attempted to team up.

Last year, telecom colossus AT&T bought HBO, CNN, TBS and the Warner Bros. studio. in a $ 85 billion deal. In March, Walt Disney Co. completed the $ 71.3 billion acquisition of much of Rupert Murdoch’s Hollywood holdings.

CBS and Viacom suddenly found themselves mid-sized players, not industry leaders. But it wasn’t just a consolidating industry and dispersing audiences that pushed the two companies together. Both have been weakened by years of internal turmoil: board battles, costly lawsuits, financial miscalculations and mismanagement.

ViacomCBS will be worth around $ 30 billion.

Investors have responded favorably to the news. Viacom shares closed at $ 29.21, up 2.4%, while CBS shares rose 1.3% to $ 48.70.

The Redstone family, through its Massachusetts-based investment vehicle, National Amusements Inc., controls nearly 80% of the voting shares of both companies. The family business has already approved the all-in-stock transaction. Existing CBS shareholders will own 61% of the combined company, while existing Viacom shareholders will own around 39%. Viacom shareholders will receive 0.59625 CBS shares for each Viacom share they own. On Tuesday, Wall Street valued Viacom at around $ 12 billion.

The new company will be one of the biggest players in TV advertising, capturing around 22% of the traditional TV audience. It will be in the same league as Comcast Corp., which owns NBCUniversal, and ahead of Walt Disney Co. Combined, the company spends more than $ 13 billion a year to produce content. It will have a growing presence in the streaming space and access to a library containing over 140,000 TV episodes and over 3,600 movie titles.

The company will also have international exposure with networks in Great Britain, Australia and Argentina. CBS’s premium channel, Showtime, will have access to films from Paramount Pictures’ extensive library, which includes properties such as “The Godfather,” “Top Gun” and “Transformers.”

“Even though Viacom and CBS will be a bigger company, it will still have to compete with Disney, which is in a league of its own,” said Jordan Matthews, entertainment lawyer at Weinberg Gonser in Los Angeles.

The merger, which has been overwhelmingly ratified by the boards of both companies, requires approval from government regulators, a process expected to take several months. The companies have said they expect the deal to be concluded by the end of the year.

The business combination, which should make it possible to achieve $ 500 million in savings, will be a kind of homecoming. Both companies have a long and often turbulent history. CBS created what would become Viacom in 1952 as a vehicle to syndicate shows as popular as “I Love Lucy”. Regulatory rules forced CBS to divest the unit in 1971.

More than a quarter of a century later, Sumner Redstone, then president of Viacom, successfully announced what he called “a merger of equals” between his company and CBS. At a press conference in September 1999, Redstone told reporters, “Viacom and CBS are natural partners… we are brothers and sisters. At that time, Wall Street valued a combined Viacom-CBS at $ 80 billion.

The marriage lasted only six years. In 2006, Redstone divided his empire, saying the two halves could fend for themselves.

The Boston billionaire believed the future was brighter for his Viacom, which owned cable and Paramount television channels. Viacom was a darling on Wall Street and Madison Avenue because its networks – Nickelodeon, Comedy Central, and MTV – attracted younger viewers who were prized by advertisers. The split also benefited Redstone, as he became the majority shareholder and executive chairman of two companies.

Time has proven Redstone wrong.

“We have long believed that the initial separation of these companies made no sense,” wrote media analyst Michael Nathanson in a recent report.

In recent years, public behavior has changed dramatically. Young viewers were the first to shy away from traditional television. Now, teens and young adults are spending more time playing video games, watching music videos on their phones, or shows from streaming services like Netflix and Hulu than MTV. In the midst of the migration, Viacom made a series of managerial mistakes, including paying its senior executives hundreds of millions of dollars in compensation while under-investing in programming. Viacom Brass sold its valuable Nickelodeon shows to Netflix, helping the Los Gatos, Calif., Company grow its audience.

Paramount also struggled under the leadership of the late Brad Gray, going through a period of flops and huge losses.

“The studio has suffered more than a billion dollars in losses,” said Jeffrey Sonnenfeld, professor at the Yale School of Management.

Viacom has lost more than half of its value. Five years ago, its shares were trading at over $ 75 a share. Viacom closed Friday at $ 30.01 per share.

Shari Redstone led a management reshuffle at Viacom in 2016 that ousted his father’s longtime allies. She installed Bakish as Managing Director of Viacom.

Since, the 55-year-old executive worked to improve Viacom’s corporate culture, invest in programming and make small acquisitions, including the streaming service Pluto TV, to expand Viacom’s reach. Bakish reshuffled the management of the dying Paramount movie studio and toppled the top management of the TV stations. In its last fiscal quarter, Viacom took a significant step forward when it announced that domestic advertising revenue grew for the first time in five years. The company also offers this summer’s best cable series, “Yellowstone”.

“Shari and Bob saved Viacom,” Sonnenfeld said. “Bob is not a cheerleader slapping on the back. There may be an anomaly in show business, which is filled with self-promoters, but it’s a classic example of calm, deep waters.

Shari Redstone, lobbied for a Viacom-CBS merger in 2016, and again last year.

She was first pushed back because CBS management, including its powerful former CEO Leslie Moonves, and independent board members feared the beaten Viacom was a drag on CBS. Then, last year, merger talks collapsed when independent members of CBS’s board sued the Redstones in an unsuccessful attempt to deprive the family of its controlling votes.

In the midst of the high-stakes legal battle, CBS has descended into a scandal. A dozen women have accused Moonves of sexual harassment or assault. He denied the allegations, but was forced to resign in September.

Since then, CBS has lost more than 10% of its value. The controversy led to changes to CBS’s board of directors, the appointment of Joseph Ianniello as interim CEO, and ultimately merger talks that began earlier this year and peaked this week.

Ianniello, 51, will remain in charge of CBS properties, which include the broadcast network, production studios, a TV channel, CBS All Access streaming service, CBS Films, Showtime Networks and the home of Simon & Schuster book edition. His new title will be President and CEO of CBS.

Over the past decade, CBS has worked to adapt to change, while maintaining its status as America’s most watched television network with shows as popular as “NCIS,” “The Big Bang Theory” and “60 Minutes”. On the business side, the company divested of mature assets, including its billboard division and radio stations. He was among the first to broadcast live broadcasts. He invested to build the CBS and Showtime television studios. CBS Television Studios is now one of Hollywood’s biggest, producing 89 shows, up from 70 a year ago.

The new board of directors will be composed of 13 members, including six independent members of CBS, four independent members of Viacom, Bakish and two individuals appointed by National Amusements, including Shari Redstone.

But the challenges are daunting, and Viacom has over $ 8.5 billion in debt that needs to be absorbed.

Viacom-CBS will continue to be relatively small fry – unless it combines with other independent studios, such as Sony Pictures Entertainment or a major telecommunications company like Verizon or T-Mobile.

Disney’s market valuation is nearly $ 250 billion, slightly lower than AT&T. Comcast, which also owns the European television service Sky, is approaching $ 200 billion. Netflix is ​​valued at $ 140 billion.

“These are very disruptive times in the industry,” Daniel A. Lyons, professor at Boston College Law School, told the Los Angeles Times. “This consolidation is about either leveraging as many assets as possible to bring CBS All Access into a streaming service like Disney +, or bringing together enough channels and library content so you can turn the business around. “


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New York community deal between Bancorp and Flagstar highlights wave of bank mergers amid low rates and less pandemic uncertainty https://rauchen-aufgeben.org/new-york-community-deal-between-bancorp-and-flagstar-highlights-wave-of-bank-mergers-amid-low-rates-and-less-pandemic-uncertainty/ https://rauchen-aufgeben.org/new-york-community-deal-between-bancorp-and-flagstar-highlights-wave-of-bank-mergers-amid-low-rates-and-less-pandemic-uncertainty/#respond Tue, 04 May 2021 23:54:46 +0000 https://rauchen-aufgeben.org/new-york-community-deal-between-bancorp-and-flagstar-highlights-wave-of-bank-mergers-amid-low-rates-and-less-pandemic-uncertainty/ Top line New York Community Bancorp on Monday announced it would acquire Flagstar Bancorp in a $ 2.6 billion deal, marking the latest in a series of regional bank mergers that analysts say will likely continue amid rates backdrop low interest and a push to scale in an increasingly digital world. Alessandro DiNello, President and […]]]>

Top line

New York Community Bancorp on Monday announced it would acquire Flagstar Bancorp in a $ 2.6 billion deal, marking the latest in a series of regional bank mergers that analysts say will likely continue amid rates backdrop low interest and a push to scale in an increasingly digital world.

Highlights

Bank mergers appear to be accelerating – in March, 13 bank deals were announced, down from just five in February, according to S&P Global Market Intelligence, while a total of 43 mergers have been signed since the start of the year through April 19 (ahead of last year’s pace).

Banks are in “acquisition mode” because it makes sense to acquire other businesses when you can fund transactions at very low interest rates, said Luke Lloyd, investment strategist at Strategic Wealth Partners in Independence, Ohio . Forbes.

A prolonged low interest rate environment is also hurting the margins of traditional deposit-taking and lending businesses, forcing smaller banks to merge with larger institutions, said Greg McBride, chief financial analyst at Bankrate.com . Forbes.

According to the consulting firm Big Sky Associates, bank mergers typically mean clients get more loans, investment products, and more efficient service, although for some clients of the acquired bank, a culture change can be intimidating.

Key context

S&P Global also noted that only 112 bank mergers were announced during the year 2020, a drop of 56% from the 257 transactions of the previous year. Lloyd said Forbes that bank mergers declined in frequency last year due to a “ton of uncertainty” at the start of the pandemic. “There was not a lot of certainty about the future before the end of 2020 and the beginning of 2021,” he added. When the impact of the pandemic became clearer (in terms of valuing defaults, foreclosures and bankruptcies), banks shifted from “survival mode” to “growth mode,” Lloyd said – at this time. At this stage, companies are quickly reinvesting in their business or are going out to buy companies that are doing something better. “There’s a lot more certainty right now compared to a year ago at this time,” Lloyd added. “And we also know that the Federal Government and the Federal Reserve will do everything in their power to try to keep the economy afloat.” Now more and more banks are ready to pull the trigger on transactions. In a call with analysts last week, James Ryan, CEO of Old National Bancorp in Evansville, Indiana, said his bank’s “appetite” for acquisitions has returned, “particularly as we become more comfortable with credit [conditions]. “Likewise, in another call for earnings, Johnny Allison, CEO of Home BancShares in Conway, Ark., said the bank is in talks with at least three takeover candidates – Home BancShares has not completed a merger in four years.

Crucial quote

“With interest rates where they are, [banks] can access the debt markets at rates that have not been seen for a long time. Low-interest financing arrangements allow companies to invest their cash in areas of their business that grow, ”said Lloyd. Forbes. “Why shouldn’t businesses borrow money when they can fund the deal or the deal for next to nothing? “

Tangent

The rapid move towards digital banking and rising technology costs will also likely boost bank merger activity, McBride said. “Scale matters more than ever,” he said. “The cost of technological improvements and innovations is more easily absorbed by large banks with larger customers. “

Large number

$ 3.9 trillion. This is the number of companies in the world will dedicate to IT this year, up 6.2% from 2020 (when spending fell 3.2% from the previous year), according to research firm Gartner.

What to watch out for

With the Federal Reserve committed to keeping rates low for the foreseeable future and interest rates still very low, Lloyd believes the strong bank merger activity “will continue over the next few years.” McBride also argues that bank consolidation is likely to continue to accelerate as “the economy accelerates and banks have greater visibility into the quality of loans on their books and on their targets.” As the extent of the induced pandemic becomes clearer, acquirers will be more willing to close deals and acquisition targets may sell at more comprehensive valuations. “

Further reading

The impact of the coronavirus crisis on mergers and acquisitions (Forbes)

The top 8 bank and fintech mergers we would like to see in 2021 (Forbes)

M&T Bank agrees to acquire People’s United Financial in latest regional lender merger (Forbes)


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6 crypto wallets Reddit loves https://rauchen-aufgeben.org/6-crypto-wallets-reddit-loves/ https://rauchen-aufgeben.org/6-crypto-wallets-reddit-loves/#respond Tue, 04 May 2021 23:54:46 +0000 https://rauchen-aufgeben.org/6-crypto-wallets-reddit-loves/ If you need a place to store your crypto, you might be looking for a crypto wallet. A wallet is a program to help you manage the keys you need to access your cryptocurrency. Most of the major crypto exchanges have built-in wallets, but you might want the added security and flexibility of having your […]]]>

If you need a place to store your crypto, you might be looking for a crypto wallet. A wallet is a program to help you manage the keys you need to access your cryptocurrency. Most of the major crypto exchanges have built-in wallets, but you might want the added security and flexibility of having your own.

You may have heard the crypto chant, “If you don’t own the keys, you don’t own the crypto.” Your private keys give you access to your crypto, and if you store your keys in a place that you cannot control, your investment is at risk.

The two main types of crypto wallet are hot wallets and cold wallets. A cold wallet is kept offline and is an ultra-secure way to store your crypto. It’s a bit like putting your change in a safe in the bank. You cannot easily access it for daily activities, but it is much safer.

Hot wallets are connected to the Internet. This makes them handy if you want to trade and spend your crypto, but not so secure. Treat your hot wallet like a physical wallet – use it to carry only the crypto you might want to spend. Web, desktop, and mobile wallets all fall under this umbrella.

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Cold wallets

Cold wallets usually store your keys on a piece of hardware. Make sure you buy your cold wallet directly from a reliable source, ideally the supplier. There is no point in putting your crypto in a secure vault if someone else already has the keys.

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Ledger Nano X and Ledger Nano S

Ledger still has strong fans on Reddit, despite the security holes. His user data has been hacked more than once. Over 250,000 records have been leaked, putting users at risk of phishing and even home invasion.

Ledger enthusiasts argue that hardware wallets themselves cannot be hacked – that’s their purpose. So even if user data is leaked, wallets remain secure. They are not connected to the Internet and are protected by your password and the keywords that protect your account.

Its most recent model, the Nano X, looks a bit like a sleek USB drive. It has a bluetooth connection and you can use your cell phone or computer to manage your crypto with its Ledger Live software.

Reddit quote: “You can inadvertently flush the Nano X down the toilet, and it doesn’t matter. Get another one, use your seed scoop and log into Ledger Live, and you’re back in business. . ” – Jethroe1

Cost: $ 119 (Nano X) $ 59 (Nano S)

TREZOR T and TREZOR One

You can’t get far on Reddit without reading up on Trezor. Ledger and Trezor are among the most popular Reddit hardware wallets. Trezor owns a good mix of cryptocurrencies and gets high marks for customer service.

Some Redditors complain that Trezors are less user-friendly and worry about the lack of a secure element chip, an added layer of security in many types of devices. Others point out that Trezor was not hacked and praise its open source security credentials. You must plug your Trezor into your computer to move funds.

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Reddit quote: “TREZOR keeps your private key out of the hands of hackers. But it’s also fair to say that Trezor T is not a cheap crypto toy.” – markopolo91

Cost: $ 159 (T) $ 59 (Un)

Cold card

Several hardcore editors recommend Coldcard. It is highly secure and has a lot more features than some of the competition. Coldcard has real airspace – which means you don’t need to connect to a computer to use it – which makes it more secure.

But, as one user commented, it looks a bit like a 40 year old solar calculator. The main drawback is that it is not as easy to use. In addition, it is more expensive and can only store Bitcoin.

Reddit quote: “Coldcard has the best security of any wallet, but takes longer to learn and use.” – Safehodl

Cost: $ 119.97. You may need additional accessories such as a MicroSD card and power cable.

Hot wallets

When it comes to hot wallets, most users have a personal preference, and many Reddit threads recommend having different hot wallets for different purposes. Here are three that keep coming back:

Exodus

Exodus is a popular hot wallet for beginners. It is partnering with Trezor, and its currency range and customer support are praised. He is not the custodian – you control the keys. It works on desktops and mobile devices, but doesn’t use two-factor authentication. The main criticism of Exodus is that it is closed source. Reddit users are generally fans of open source code, as anyone can check the code and make sure it is secure.

Reddit quote: “Exodus is a great wallet. It has an easy to use interface. It is user friendly and easy to navigate.” – honeycomb B82

Cost: Free installation, variable fees per transaction

Edge

Edge is a strong mobile-only wallet that works on Android and iOS devices. Unlike many hardware wallets, it stores multiple currencies. It is non-custodial and open source, and has two-factor authentication. You can also trade cryptos through the wallet.

Reddit quote: “I find the Edge Wallet user interface to be very intuitive, extremely easy to navigate, and all of the advanced settings are also easy to find (but slightly out of sight so as not to confuse or overwhelm first-time users).” – scotty321

Cost: Free installation, variable fees per transaction

Wasabi

Wasabi has its fair share of fans and critics. This only works for Bitcoin, but its main selling point is privacy. It uses something called CoinJoin to add an extra layer of anonymity; it attaches coins of different people to hide any identifying information. This wins praise from privacy-focused Redditors and raises questions from others about the potential for mixing with coins from illegal activity.

Reddit quote:It’s good. Shuffling the coins takes a bit of time because you need other participants to queue their coins for shuffling, so the more people use it, the faster. The wallet itself seems reliable and secure. “- sreaka

Cost: Free installation, variable fees per transaction

Don’t be afraid to experiment with different wallets to find the right one for you. As you build your crypto assets, you can go for a cold wallet. But if you are just starting out, you might find that a warm wallet is enough for now.


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New pizzeria opens in Westhaven https://rauchen-aufgeben.org/new-pizzeria-opens-in-westhaven/ https://rauchen-aufgeben.org/new-pizzeria-opens-in-westhaven/#respond Tue, 04 May 2021 23:54:45 +0000 https://rauchen-aufgeben.org/new-pizzeria-opens-in-westhaven/ Coal Town Pizza & Public House will open in Westhaven. Going through Instagram, Westhavenslc says, “Ready for a pizza night by the downtown lakeside? @coaltownpizzatn opens this month! Give them a follow-up for all the latest updates. The new pizzeria will be located at 158 ​​Front Street, Suite 103 and is a second restaurant for […]]]>

Coal Town Pizza & Public House will open in Westhaven.

Going through Instagram, Westhavenslc says, “Ready for a pizza night by the downtown lakeside? @coaltownpizzatn opens this month! Give them a follow-up for all the latest updates.

The new pizzeria will be located at 158 ​​Front Street, Suite 103 and is a second restaurant for Ty Hauter, the owner of Front Street Tavern in Westhaven.

No opening date has been shared on social networks; however, a menu was shared. Specialty 14 ″ pizzas start at $ 16 from a four to one cheese option with lobster meat. One of the more interesting specialty pizzas is the Smashed Potato pizza topped with white ricotta garlic sauce, mozzarella, pecorino romano, mashed potatoes, applewood smoked bacon, thyme and green onion.

You can also make your own pizza with original house crust options, a vegan option or a cauliflower crust, a selection of white or red sauce, cheese and toppings.

In addition to pizza, they have three salad options – house salad, Caesar salad, and Italian chop salad, all of which can be topped with chicken fillets.

Coal Town Pizza will also feature a variety of Joia beers and canned cocktails, such as Moscow Mule, Margarita, and Greyhound, as well as fountain drinks and sparkling water.

For the latest updates, visit Coal TownPizza & Public House on Facebook.

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THDA takes requests for COVID-19 rent relief https://rauchen-aufgeben.org/thda-takes-requests-for-covid-19-rent-relief/ https://rauchen-aufgeben.org/thda-takes-requests-for-covid-19-rent-relief/#respond Tue, 04 May 2021 23:54:43 +0000 https://rauchen-aufgeben.org/thda-takes-requests-for-covid-19-rent-relief/ The The Tennessee Housing Development Agency has opened an online portal that will allow tenants and landlords to request up to 12 months of accrued rent and / or utility payments through its new COVID-19 Rent Relief Program. The COVID-19 Rent Relief Program was developed to support tenants who have or have had difficulty paying […]]]>

The The Tennessee Housing Development Agency has opened an online portal that will allow tenants and landlords to request up to 12 months of accrued rent and / or utility payments through its new COVID-19 Rent Relief Program.

The COVID-19 Rent Relief Program was developed to support tenants who have or have had difficulty paying their rent, utilities, or other household energy costs due to lost income resulting from the coronavirus pandemic.

“The pandemic has had a huge impact on the livelihoods of countless Tennessians,” said THDA Executive Director Ralph M. Perrey. “This program is designed to help people stay in their homes by covering rent and / or eligible utility costs that they are unable to afford due to the challenges presented by COVID-19. “

THDA will administer this program in 91 of Tennessee’s 95 counties. Tenants in counties that have experienced economic hardship due to the COVID-19 pandemic and are winning less than 80 percent of the region’s median income may be eligible for this assistance. For example, in Williamson County, a 4-person household earning less than $ 65,850 per year may be eligible for this funding. More details on eligibility are available online at thda.org/covidrentrelief or individuals can call (844) 500-1112.

To begin the application process, a landlord or tenant must access the online portal or call the COVID-19 Rent Relief Call Center at (844) 500-1112. Landlords and tenants will be required to provide verification and documentation as proof of eligibility. Once approved, payments will be made directly to the landlord or utility company on behalf of the tenant. Individuals can follow the status of their request and payment via the online portal.

THDA received $ 384 million in direct funding from the U.S. Treasury to administer the emergency rent relief program in 91 of Tennessee’s 95 counties. Davidson, Knox, Rutherford and Shelby counties will administer their own rent relief programs. THDA will begin serving applicants under the COVID-19 Rent Relief program on March 1, 2021 and will continue until all funds have been reserved or spent.

For more information on the THDA COVID-19 Rent Relief Program, or to ask for help, visit thda.org/covidrentrelief or call (844) 500-1112.

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Will I get a stimulus check if I owe taxes? Here are the rules https://rauchen-aufgeben.org/will-i-get-a-stimulus-check-if-i-owe-taxes-here-are-the-rules/ https://rauchen-aufgeben.org/will-i-get-a-stimulus-check-if-i-owe-taxes-here-are-the-rules/#respond Tue, 04 May 2021 23:54:27 +0000 https://rauchen-aufgeben.org/will-i-get-a-stimulus-check-if-i-owe-taxes-here-are-the-rules/ When you buy through our links, Insider may earn an affiliate commission. Learn more. Your third stimulus check cannot be withdrawn or reduced if you owe back taxes. It is also protected against federal and state debts, such as overdue child support. The rules are slightly different when you claim previous stimulus checks as recovery […]]]>

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  • Your third stimulus check cannot be withdrawn or reduced if you owe back taxes.
  • It is also protected against federal and state debts, such as overdue child support.
  • The rules are slightly different when you claim previous stimulus checks as recovery discount credit.
  • Calculate your third stimulus check payment »

If you are eligible for third dunning check, you don’t have to worry about it being used to cover back taxes.

The IRS began making cash payments, worth up to $ 1,400 per taxpayer, plus a surcharge for dependents, to millions of bank accounts on March 12. Another batch of payments will be deposited on March 24. Paper checks and debit cards are mailed to people who have not provided the IRS with direct deposit information.

To get your third stimulus check, you must have filed a 2019 or 2020 income tax return or used the non-filer tool last year to submit personal information. You can also get paid if you are a federal benefit recipient who has not filed a tax return.

Will I receive a stimulus check if I owe taxes?

As part of the US bailout, which authorized the latest round of dunning checks, payments are protected from any set-off. This means that you will get the full amount you are entitled to even if you have past due federal or state debts, such as child support, or if you owe taxes from previous years.

But your check won’t be protected against non-government debt, like medical bills or a credit card default. Once the money arrives in your bank account, creditors may be able to seize it.

In most states, creditors can access bank accounts through a court order to settle their debts. Several groups of consumers and banking businesses signed a letter to Congress on March 8 lobby for legislation to protect the latest round of stimulus checks from this type of garnishment.

The recovery rebate credit also cannot be used if you owe federal taxes.

The first and second rounds of stimulus checks – authorized in March 2020 and December 2020 – were also protected from federal and state debt offsets, and even private debt collectors in some cases.

Unfortunately, the same protections do not apply when these payments are claimed as a tax credit on your 2020 return (this is called the recovery discount credit). Remember that you can only apply for the credit if you are missing a stimulus check you qualify for, or you received too little based on your income and tax situation in 2020.

The bad news: Your stimulus tax credit can be used to set off state or federal debts, such as overdue child support (you will receive a letter notifying you before this happens). Erin Collins, National Taxpayer Lawyer, said in a blog post that this creates an inconsistency between the way the payments were treated at the time of the initial disbursement and the way they are treated when they are claimed in the tax returns. Collins said she hopes the IRS will fix the disparity, but those are the rules for now.

The good news: Your credit can not be used to offset federal taxes you owe for previous years, as directed published by IRS on March 18. However, if you owe taxes for 2020, the credit amount will go towards reducing that bill (this is usually a good thing – you will owe less money). For example, if you have a $ 1,000 tax bill after preparing your 2020 return and you qualify for a $ 600 recovery refund credit, your tax bill will be $ 400.

Here is an overview of the debts that your stimulus checks can and cannot be used for:

* Federal student loan debt collections have been suspended until September 30, 2021

** While private collection agents cannot enter your tax refund directly with the IRS, they can access the bank account your refund is deposited into


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1 number every Teladoc investor should pay attention to https://rauchen-aufgeben.org/1-number-every-teladoc-investor-should-pay-attention-to/ https://rauchen-aufgeben.org/1-number-every-teladoc-investor-should-pay-attention-to/#respond Tue, 04 May 2021 23:54:22 +0000 https://rauchen-aufgeben.org/1-number-every-teladoc-investor-should-pay-attention-to/ Investors love increased income. When sales increase rapidly, shareholders can imagine conquered industries, defeated historical competitors, and a future filled with profits once the business matures. But not all growth is equal. Revenue can increase by acquiring new customers, selling new things to old customers, or simply increasing prices. The best companies are able to […]]]>

Investors love increased income. When sales increase rapidly, shareholders can imagine conquered industries, defeated historical competitors, and a future filled with profits once the business matures.

But not all growth is equal. Revenue can increase by acquiring new customers, selling new things to old customers, or simply increasing prices. The best companies are able to combine all three. For Teladoc Health (NYSE: TDOC), one of these growth levers seems to be slowing down and management is pointing to another as a means of continuing to increase sales. For shareholders, that number could determine how Wall Street treats stocks over the next year.

Image source: Getty Images.

How Teladoc is growing

The company generates revenue through subscription contracts with health systems and insurers, as well as the cost of visiting certain customers. In addition, Teladoc licenses its technology and sells equipment to conduct telehealth visits in hospitals. These sources of income are not as diverse as they appear; most of the sales come from subscriptions.

Source of income 2020 2019 2018
Registration fees 79% 84% 84%
Visit Fee 19% 16% 16%
Other 2% 0% 0%

Data source: Teladoc Santé.

Therefore, the main driver of growth in the past has been the increase in the number of members covered by subscription contracts. In addition, the price that customers pay for each member, called per member per month (PMPM) or per subscriber per month (PEPM), also contributes to growth when it increases – and this since Teladoc went public. in 2015. Together, with more members and a growing PMPM, it’s easy to see how revenues have jumped nearly 900% since 2016.

However, one of these pillars of growth can falter.

Membership stagnates

As the company gains market share, its ability to increase the number of its members decreases. While growth has been robust over the years, the pandemic may have propelled many future activities forward as organizations scrambled to ensure access to healthcare during the lockdown. The theory is supported not only by the acceleration in membership last year, but by the lukewarm growth forecast by management for 2021.

Year Paying members Annual growth
2021 (orientation) 52 million to 54 million 0.4% to 4.2%
2020 51.8 million 41.1%
2019 36.7 million 61%
2018 22.8 million (0.2%)
2017 23.2 million 32.6%
2016 17.5 million 43.4%
2015 12.2 million N / A

Data source: Teladoc Santé. YOY = year after year.

Luckily for Teladoc, there are more ways to increase revenue than adding members. Another way is to increase the average price a customer pays per member. Of course, these customers will want more value if they pay more. This is where the acquisition of Livongo comes in.

Per member per month

With an increasing number of services available to clients, PMPM had grown, albeit slowly, over the years. Periodically, the company signed a large client with a lot of bargaining power, resulting in a drop. Still, the long-term trend is clear. After the first quarter of the combined operation with Livongo, this very large number has skyrocketed. Management attributed more than half of the increase to more expensive services from Livongo.

One chart per member per month dropping from $ 0.5 when Teladoc went public to $ 1.76 last quarter.

Data source: Teladoc Santé.

In 2020, two out of three agreements covered several products. This continues a multi-year trend, and 43% of members now have access to multiple products, down from just 9% three years ago. Access not only improves member retention and engagement, but increases the price per member. The question investors are asking is whether the consolidation of new services can compensate for the slowdown in membership.

Will this be enough?

To maintain its growth, Teladoc will have to continue to expand the range of products and services it offers. Additionally, new offerings must increase engagement throughout the patient journey, creating a relationship with members rather than being seen as a mere transaction at random intervals.

The more a member engages with the suite of products through self-service tools, wellness coaching programs, primary care and specialists, the more data the company is able to collect. This data feeds into analytics that guide members through behavioral advice and offer predictions or interventions that improve outcomes and reduce costs throughout the duration of the relationship. Ultimately, this is Teladoc’s value proposition, and the more it can be proven with data, the easier it is for customers to add products, leading to a higher price per member. Combining the 2 million glucose data points per week from the Livongo platform with the 30,000 virtual visits and 100,000 patient messages per day on Teladoc will only make this cycle more powerful.

For investors, a continued increase in the percentage of customers who subscribe to more than one product and the resulting PMPM gains will be key in determining how long Teladoc’s growth can continue. For now, management believes the elements are in place to continue PMPM’s expansion and deliver the 30% to 40% sustainable growth CEO Jason Gorevic committed to earlier this year. So far, the acquisition of Livongo has been the ideal way to launch a new lever for growth.

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


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ERCOT wants MDL over Texas winter storm litigation https://rauchen-aufgeben.org/ercot-wants-mdl-over-texas-winter-storm-litigation/ https://rauchen-aufgeben.org/ercot-wants-mdl-over-texas-winter-storm-litigation/#respond Tue, 04 May 2021 23:54:21 +0000 https://rauchen-aufgeben.org/ercot-wants-mdl-over-texas-winter-storm-litigation/ Law360 (April 8, 2021, 6:20 p.m. EDT) – The Electric Reliability Council of Texas Inc., the state’s leading electricity grid operator, is seeking to combine into multidistrict litigation at least 35 four-county cases resulting from a deadly and destructive winter storm in February. ERCOT told the Texas Supreme Court Judicial Panel on Multidistrict Litigation in […]]]>
Law360 (April 8, 2021, 6:20 p.m. EDT) – The Electric Reliability Council of Texas Inc., the state’s leading electricity grid operator, is seeking to combine into multidistrict litigation at least 35 four-county cases resulting from a deadly and destructive winter storm in February.

ERCOT told the Texas Supreme Court Judicial Panel on Multidistrict Litigation in a motion filed Wednesday that the combination of the cases would promote “convenience, efficiency and justice” because the cases all arise from the same event and argue similar claims for negligence and gross negligence against the network. operator. Millions of Texans were without power for days during freezing temperatures and more than 100 people …

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1 reason smart investors are watching OneConnect financial technology https://rauchen-aufgeben.org/1-reason-smart-investors-are-watching-oneconnect-financial-technology/ https://rauchen-aufgeben.org/1-reason-smart-investors-are-watching-oneconnect-financial-technology/#respond Tue, 04 May 2021 23:54:20 +0000 https://rauchen-aufgeben.org/1-reason-smart-investors-are-watching-oneconnect-financial-technology/ Digital banking is gaining ground around the world, and in particular in emerging Asian countries. Globally, it is estimated to be an $ 8 trillion market that will grow 6% per year for the foreseeable future, according to research firm Global Market Insights. This shift in the banking industry is one reason savvy investors are […]]]>

Digital banking is gaining ground around the world, and in particular in emerging Asian countries. Globally, it is estimated to be an $ 8 trillion market that will grow 6% per year for the foreseeable future, according to research firm Global Market Insights. This shift in the banking industry is one reason savvy investors are watching the relatively new (and relatively unknown) Chinese company. OneConnect Financial Technology (NYSE: OCFT).

A growing market …

OneConnect is a fintech which provides technology-as-a-service platforms to financial institutions, primarily in China. Its solutions help clients in areas such as revenue generation, risk management and sales productivity. The company also offers solutions that help improve efficiency, reduce costs and improve service. The general idea is that OneConnect becomes a one-stop-shop for financial institutions, and it refers to this as a “bank in a box”.

Digital banking in a box is a growing market in Southeast Asia, particularly Singapore, Malaysia, and the Philippines. OneConnect’s offerings in this space involve mobile banking apps, customer analytics and targeted marketing, business start-up services, and sales force management modules. These offerings typically attack the revenue side of the equation, but OneConnect’s other offerings can help on the cost side as well.

Image source: Getty Images.

OneConnect typically offers its customers products at lower cost to introduce them to their business, and then looks to sell other improvements and solutions. OneConnect provides both technology applications and business services with a transaction-based revenue model. The business covers just about the full range of life cycle phases: product development, sales and marketing, risk management, operations and infrastructure. The Chinese government is also encouraging financial services companies to invest in IT infrastructure to improve service, which will provide tailwind.

… but customer concentration is a risk

OneConnect has two major customers. One is a Chinese insurer Ping an, the former parent company of OneConnect and still a significant minority shareholder; it accounted for over 50% of OneConnect’s revenue last year. The other big customer is Lufax, a Chinese personal financial services platform that accounted for around 10% of OneConnect’s revenue. Concentration of oversized customer base is never a good thing, so investors are eager to see if the company can increase its business with third party customers.

Last year, sales to third-party customers increased by 20%, while sales to Ping An increased by 74% and sales to Lufax increased by 15%. Overall turnover increased by 42%. Operations support services, which improve efficiency, risk management and the customer experience, grew 82% and accounted for almost a third of the company’s revenue. The business origination segment fell by 21%, and that’s what led to a slowdown in the growth of third-party customers. Cloud services, a new segment, contributed around 10% of revenue.

OneConnect has yet to make a profit

Like many start-ups, OneConnect doesn’t make a profit. The gross margin is strong (and increasing) at 37.5%, but the company is investing heavily in research and development, so its overall profit margin is -43%. Still, this is quite the improvement from 2019, when the loss was -75%.

Digital banking is clearly growing and OneConnect is at the heart of this development. With a strong penetration of the Chinese banking market, the company is poised to expand its reach to other countries in Southeast Asia. While OneConnect’s losses and over-reliance on a single large customer may be too great for some investors, the company needs to watch.

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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