Forum Della Magia http://forumdellamagia.org/ Fri, 23 Apr 2021 06:14:56 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.1 https://forumdellamagia.org/wp-content/uploads/2021/04/cropped-icon-32x32.png Forum Della Magia http://forumdellamagia.org/ 32 32 Apple’s online store collapses to prepare for AirTag and Purple iPhone 12 orders https://forumdellamagia.org/apples-online-store-collapses-to-prepare-for-airtag-and-purple-iphone-12-orders/ https://forumdellamagia.org/apples-online-store-collapses-to-prepare-for-airtag-and-purple-iphone-12-orders/#respond Fri, 23 Apr 2021 05:55:47 +0000 https://forumdellamagia.org/apples-online-store-collapses-to-prepare-for-airtag-and-purple-iphone-12-orders/

Apple’s online store is down for the launch of AirTags and new purple iPhone 12 models, which are expected to be available starting at 5 a.m. PT or 8 a.m. EST in the USA.

airtags.jpg

Before new product launches, Apple often takes its online store offline to prepare for the influx of orders.

Announced at Tuesday’s “Spring Loaded” event, AirTags are Apple’s long-awaited Bluetooth object trackers that can be attached to wallets, keys, cameras, and more.

AirTags are priced at $ 29 each or $ 99 for four, and each AirTag can be engraved if desired. AirTags have a user-replaceable CR2032 battery that lasts for one year and has an IP67 dust and water resistance rating.

As for the purple iPhone 12 models, they are identical to the existing iPhone 12 and 12 mini, but are available in a new light purple color that joins the existing shades of white, black, blue, green and (PRODUCT) RED. The iPhone 12 mini is priced at $ 699 and the iPhone 12 is priced at $ 799.

There’s no indication that AirTags or purple iPhone models will be available in limited quantities, but it’s always a good idea to order early to get launch day delivery. AirTags and new iPhone models will be delivered to customers from Friday April 30.

Item link: Apple’s online store collapses to prepare for AirTag and Purple iPhone 12 orders


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Stocks to Buy: Look for Deep Counterbets in Finance: Ashwini Agarwal https://forumdellamagia.org/stocks-to-buy-look-for-deep-counterbets-in-finance-ashwini-agarwal/ https://forumdellamagia.org/stocks-to-buy-look-for-deep-counterbets-in-finance-ashwini-agarwal/#respond Fri, 23 Apr 2021 03:10:00 +0000 https://forumdellamagia.org/stocks-to-buy-look-for-deep-counterbets-in-finance-ashwini-agarwal/

Ashwini Agarwal, Co-founder, Ashmore Investment says value investing is never fun, it’s very painful. There are companies in retail, entertainment, travel and tourism, hospitality that will survive and come out stronger because the competition will be weaker. These are the times when you buy those stocks.

What do you think of the recent wave of IPOs that have hit the markets? A number of unconventional names have entered the market playing the global game of digitization. Is there anything in particular that catches your eye?
There are two issues embedded here and let me separate them; one is the demand and supply of paper. Typically, when markets are very strong, the supply of paper increases, and usually market highs are accompanied by a withdrawal of buyers and an increase in substandard quality issues. This is a typical development at the top of the market. This time around, most of the issues are unique. Some of them are in areas that were not open or available in the public investment space. A lot of them are very good companies, very well run with high rates of return, with responsible management in place and so on.

The quality of the issues floated on the stock exchange was very strong and investors exercised judgment. There have been attempts or IPOs that were unsuccessful because investors pulled out because the asking price was too high or the business outlook was unclear.

So yes, the supply of paper has increased and the demand has decreased. At the same time, you have to be a little careful if the IPO price is aggressive and there is no money on the table. But on the other hand, if there are some unique companies with unique opportunities, they can still offer an advantage, but you have to be careful about the prices because I don’t think this is the time to be very cavalier. on ratings. I don’t think we can throw it to the winds.

Like many issues that have happened in the recent past, we have certainly been involved in some of them and I hope these companies will be very successful as they go along. A good quality problem always raises the bar and raises the level of play for other listed companies. It is always a welcome thing in my opinion.

Some of the Covids have hit businesses; airlines, multiplexes and restaurants will not close. Indian hotels, IndiGo are backed by strong groups with strong cash flow. But the markets feel that this is the end of the franchise value and the terminal value and this is how inventory drops. What is your opinion?
It really is a value investing and value investing is never fun, it is very painful. There are companies in retail, entertainment, travel and tourism, hospitality that will survive and come out stronger because the competition will be weaker. These are the times when you buy those stocks. You buy them now knowing that you could see an additional 20% drop before the stock falls and you may have to wait a year to make money. This is the patience that comes with value investing.

Unfortunately, what happens in the short term, the immediate returns or the prospect of immediate losses outweighs the upside potential in the long term and people say what’s the rush? Let the data points emerge and we’ll look at them next. So it’s a very different ball game, it’s very difficult to look past the immediate problems, the immediate risks at hand and focus on the long term. But the crisis is always a good time to buy a good business.

Whenever a strong, solid business goes through a crisis, history tells us that now has been a great time to make a long-term commitment to that investment, but be prepared to see some red ink and be prepared to keep it. . That’s what I would say to investors. It is not something that you should try to negotiate for sure.

What is this pocket of contra value according to you? Nifty is at 14,000. What’s the deep counter bet where the drop could be 15-20%, but three years from now, a rise is coming?
In the financial basket. All of these stocks trade at their book value. Let us leave aside the first three four banks. We will come back to this later. Otherwise, all of the loan space trades at book value to book value. There is a large part of the credit world that will not be able to participate in growth because it does not have the capital. I’m talking about PSU banks banning

and maybe the Bank of Baroda. The growth opportunity is phenomenal for all of these lenders. All of them have climbed the technology curve, most of them have climbed the technology curve, most have the capital to grow. It is an absolutely simple investable place for someone looking for value.

Now the problem is that Bank Nifty or bank stocks as a basket is the preferred playground for short-term speculation and has a high beta. So if you are negative about India you are saying that well India is seeing these Covid cases and foreign investors are going to be scared and the rupee will go down. So, let me find something too short. Here’s a place where there’s liquidity, there’s high beta, and you’re selling it. And that’s what we see.

But from a medium-term perspective, these stocks are very well positioned for growth. Is the only long-term risk that technology can completely disrupt these businesses? We will see how it goes. We will have to see how this plays out as India is also heavily regulated and it is not easy for many fintechs to do exactly what they want.

That risk is there in the back of my mind, and we’re watching it very carefully, but I don’t think it’s a big enough disruption that we’re moving away from the area entirely. Since you said that what is a place you would like to highlight, this is a place.

If you’re a market leader in, say, airlines or a hotel company or even retail chains that are financially strong, you can make long-term commitments to these names in environments like this. This and you will come out on top because now is the time to commit and expect a 30-40% return over the next year, a year and a half and that’s not a bad turnaround. But yes, be prepared for a potential 10-15% loss and be prepared to hold on during that time.


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Loan volumes are coming back faster than expected https://forumdellamagia.org/loan-volumes-are-coming-back-faster-than-expected/ https://forumdellamagia.org/loan-volumes-are-coming-back-faster-than-expected/#respond Fri, 23 Apr 2021 02:51:31 +0000 https://forumdellamagia.org/loan-volumes-are-coming-back-faster-than-expected/

Prospa (ASX: PGL), an online lender serving Australia and New Zealand, released a third quarter 2021 business report indicating that loan origination volumes returned to pre-COVID levels faster than expected.

According to the company, loan grants in Q3 2021 (January-March) stood at $ 121 million – a stable level compared to the same period in 2020 ($ 122.2 million). Loan initiations increased from the prior quarter by approximately $ 20 million ($ 100.7 million in Q2).

During the quarter, 81% of loans were from small business loans and the remainder from Prospa’s line of credit offering.

New Zealand saw an 11% increase from Q2, hitting a record for the month of the month.

Total revenue in the third quarter was $ 28.5 million, up 3% from the second quarter.

Prospa said the recovery in the SME sector has benefited the online lender as demand increased for its lending products.

Greg moshal, CEO of Prospa, issued the following statement:

“Prospa experienced better than expected original growth, driven by strong economic confidence and investments in the SME sector. Our new loans for the quarter ended in March were $ 121 million, which represents a return to pre-COVID activity levels for our Australian business. New Zealand was another highlight with origins up 11% for the quarter, propelled by a new record of new loans in March. It is especially encouraging to see such high activity levels in the March quarter, given that it is generally a quieter time than the busy December vacation period. This quarterly result shows good momentum for Prospa with a return to growth in turnover and average gross credits. “


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Masters of the Universe, Barbie and Hot Wheels Drive 47% of Mattel’s First Quarter Sales Boom • The Toy Book https://forumdellamagia.org/masters-of-the-universe-barbie-and-hot-wheels-drive-47-of-mattels-first-quarter-sales-boom-the-toy-book/ https://forumdellamagia.org/masters-of-the-universe-barbie-and-hot-wheels-drive-47-of-mattels-first-quarter-sales-boom-the-toy-book/#respond Thu, 22 Apr 2021 23:03:32 +0000 https://forumdellamagia.org/masters-of-the-universe-barbie-and-hot-wheels-drive-47-of-mattels-first-quarter-sales-boom-the-toy-book/

Source: Mattel

Mattel kicked off 2021 with net sales up 47% from last year. Net sales reached $ 874 million in the first quarter.

“This was another record quarter for the company, with truly exceptional results reflecting the success of the turnaround, as we continue to drive transformational improvements and accelerate our business,” said Ynon Kreiz, President and CEO of Mattel. “After the third consecutive quarter of growth in our market share, we are strengthening our position as a consistent leader in the toy industry. We believe we are uniquely positioned to improve profitability and accelerate revenue growth in 2021 and beyond. “

In the first quarter, Mattel saw a 67% increase in net sales and gross billings in North America. Global gross billings for dolls, including Barbie and Spirit, increased 68%; the company plotted a 31% gain in infants, toddlers and preschoolers, including Fisher-Price and Thomas & Friends; 16% growth in vehicles including Hot Wheels and Matchbox; and 69% growth in combination action figures, construction sets, games and other categories led by Masters of the Universe, Jurassic World, plush, MEGA Brands and games, including UNO. American Girl increased their gross billings and net sales by 22%.

The turnover of the International segment increased by 30%.

Mattel says Hot Wheels sales grew 16% across all segments and Barbie climbed 86% with POS showing a 66% increase. Fisher-Price’s core business grew 36% with a 24% boom in infants and newborns. Thomas & Friends increased by 8%. The action figures are up 101%, driven by sales of Jurassic World, WWE and Masters of the Universe. Gaming is up 25% year over year with strong growth from the UN. Building sets and building sets are up 46% due to increased distribution of MEGA Construx products, especially Pokémon and Halo.

E-commerce sales increased 58% in the first quarter.

During the quarterly earnings call with investors and analysts, Kreiz noted that net sales in the first quarter were up 27% from 2019, a good performance compared to the pre-COVID-19 era. Kreiz also says Mattel has updated its 2021 forecast to reflect an expected 6-8% sales growth.

The company notes that its operating profit was $ 31 million, an increase of $ 181 million and the first positive quarter since 2014.

Entertainment continues to be a priority for Mattel going forward.

Mattel Films has 12 features in different stages of development, including titles based on American Girl, Barbie, Barney, Hot Wheels, Magic 8 Ball, Major Matt Mason, Masters of the Universe, Rock ‘Em Sock’ Em Robots, Thomas & Friends, UNO, View-Master and Wishbone. Additionally, Mattel Television has nearly 20 shows and specials in production with over 25 in development, including The UNO game show and the recently announced Barbie fashion battle and Whac-A-Mole.


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A change in technology is coming to UK Mortgage https://forumdellamagia.org/a-change-in-technology-is-coming-to-uk-mortgage/ https://forumdellamagia.org/a-change-in-technology-is-coming-to-uk-mortgage/#respond Thu, 22 Apr 2021 08:35:43 +0000 https://forumdellamagia.org/a-change-in-technology-is-coming-to-uk-mortgage/

For a very long time, the mortgage industry in the United Kingdom (UK) has remained about the same. Banks and financial institutions are often overwhelmed by the huge number of loan applications that arrive on a regular basis.

With the process of loan creation the same and the demand for loans increasing rapidly, UK lenders are embracing digital transformation.

Due to numerous obstacles, customer relationship management and customer satisfaction are also taking an unprecedented number of blows! Therefore, there is an urgent need for a technological transformation that enables a smooth digital transformation while being innovative enough to solve all modern loan origination problems in the blink of an eye.

Fortunately, with the rise of Artificial intelligence (AI) technology and machine learning (ML) algorithms, all of that will change. The UK mortgage industry is poised for the long-awaited disruption, and Digilytics stands to gain in innovation.

This article further explains the issues facing today’s mortgage industry and how artificial intelligence can add value to lender tables.

Highlight tThe challenges facing lenders in the mortgage industry

With growing demand for mortgages and the lack of innovative process disruptors in the market, lenders’ profits are dwindling.

The repercussions of these challenges also include a significant drop in mortgage liabilities. According to bank of england, the decrease was more than 50% in 2020 compared to 2019!

Some of the challenges that can be highlighted in the current scenario are:

  1. High cost of loan creation

For any mortgage lender, creating a loan is a critical first step. With rapid globalization, market fluctuations and changes in policy, banks are finding it difficult to manage the fluidity of the environment in which they operate.

Therefore, the lack of digital transformation of LOS increases manual processes which, in turn, increases costs. Currently, the average mortgage creation the cost is 4000 pounds per loan!

  1. Lack of transparency

As the cost of the loan granting process increases, it becomes more and more difficult for lenders to be transparent in their processes. In contrast, borrowers demand the highest degree of transparency. Therefore, balancing transparency and customer satisfaction becomes a difficult task for banks and other financial institutions.

  1. Ineffective loan approval processes

The increased bifurcations in the loan granting process, combined with the increased volume of loan applications, results in an inefficient overall process that costs lenders a lot of time and money.

  1. Lack of coordination between stakeholders

Industry regulations are becoming stricter than ever to ensure the security of assets and deter cases of fraud and theft, making the compliance process increasingly complex and increasing underwriting paperwork.

In the midst of all the chaos, coordination among stakeholders is disrupted and adds to the delays. Such delays can easily extend the process for more than two weeks!

The UK Mortgage Guarantee Scheme

The COVID-19 pandemic has contributed to a substantial drop in UK public confidence in housing. The decline was most significant in the first quarter of 2020 according to IMLA.

Therefore, the UK government announced on March 3, 2021 a new program to boost the housing market by helping the public to own a home.

To buy a property, individuals must deposit an amount in advance. The collapse of the economy in 2020 has led more people to struggle for an income. Unlike many of the previous UK mortgage programs, the 2021 mortgage guarantee scheme is also applicable to existing homes in addition to new homes.

The guidelines for the new program have reduced the amount of the deposit for people looking to buy a new home to as low as 5%. This means that the borrower can take out a loan worth up to 95% of the value of the property, provided the value does not exceed 600,000 pounds!

Innovative UK mortgage application and approval using AI

The current mortgage approval and delivery process can be broken down into five stages:

  1. Apply for the loan
  2. Loan processing
  3. The subscription process
  4. Closing of the transaction
  5. Provide all relevant documents

The first three are very critical as there is a lot of room for error and, therefore, a lot of potential for unprecedented delays. Also, having a paper workflow to review all the relevant forms and documents is rather tedious. To top it off, a manual system increases the chances of human error and more delays.

So how can we get around this problem?

Use of AI and ML-based technology in the lending process, financial institutions could eliminate the complexity of the processes, reduce the reliance on manual labor for paperwork and minimize the risk of error.

Digilytics RevEl concentrates the awkward loan and finance application process into 4 simple, fully digital processes, after which you receive your funds. The stages are:

  1. Digital submission of documents
  2. Automated data capture, review and validation
  3. Decision
  4. Processing of offers

Additionally, RevEl also allows the lender to track cases in real time with critical alerts and notifications.

RevEl innovates mortgage in the United Kingdom by;

  • cut subscription time by almost half,
  • reduce the financing time by 3 times,
  • and increase the number of disbursed loans by 25%!

Digilytics RevEl’s OBVIAX Framework is the secret sauce behind innovating and accelerating the UK mortgage process.

One-Shot Learning Technology

RevEl’s machine learning algorithms and unique learning technology enable AI to process over 100 types of mortgage documents and facilitate UK-wide coverage.

Bolt

Digilytics RevEl is also minimally invasive. Such modularity allows RevEl to be quickly and easily bolted to an existing loan origination system for easy implementation.

Validation

Digilytics RevEl’s proprietary AI and ML technology validates loan applications, thanks to its advanced configurable engine for completeness, accuracy and consistency.

Integrated

RevEl also integrates the online and offline mortgage creation process to reduce financing time and origination costs while streamlining the entire mortgage process.

Precision

With real-time monitoring and predictive alerts, Digilytics RevEl offers unparalleled fluidity and security against breaches.

Xplainability

Transparency is essential for both the lender and the borrower. It improves trust and strengthens relationships with customers. With AI-generated reports from RevEl, evaluating model performance becomes a snap!

How does Digilytics RevEl work?

RevEl was designed from the ground up using the proprietary artificial intelligence (AI) capabilities of Digilytics platforms to:

  1. Reduce the cost of origins
  2. Reduce financing time
  3. Improve the borrowing experience

RevEl’s easy-to-mount feature allows it to harmonize with any financial institution’s loan origination system (LOS) hassle-free.

RevEl works by:

  1. Leverage AI and ML to validate applications
  2. Assignment of subscribers by algorithm
  3. Activation of real-time monitoring and alerts

The RevEl advantage

As the world continues to fight climate change, ESG (Environment, Social and Governance) investments are increasing.

British Prime Minister Boris Johnson has announced the launch of his 10-point plan for the UK’s Green Industrial Revolution. In the context of innovation and finance, he insisted on the development of cutting-edge technologies necessary to achieve these new energy ambitions and make the City of London the world center for green finance.

With Digilytics RevEl, green finance arrives in the mortgage sector by:

  • Go truly paperless and leverage data online
  • Leveraging Covid-19 recovery
  • Support Green 2030

In addition to the Digilytics OBVIAX advantage, RevEl brings you:

  • One-touch subscription; manufacturing in one day
  • Intelligent Affordability Service (IAS) dramatically improves
  • Income and Expense Analysis (I&E)
  • First good application
  • Intelligent Virtual Assistant Glass Tube Tracking
  • Smart allocations
  • First good chords

What does this mean for your mortgage services?

  • 15% higher gross loans
  • 40% more productivity
  • 30% lower OPS cost

Any financial institution that has connected Digilytics RevEl to its LOS obtains a competitive advantage like no other!

In addition, institutions are also taking a further step towards a more sustainable and greener business model.

Conclusion

Digilytics RevEl’s advanced artificial intelligence technology is able to reduce manual processing time by up to 60%.

Enabling real-time status checking of submitted data, online / offline document upload modes, and less human administrative support mean better customer experience, increased lender reliability, and greater productivity with the same labor force.

Additionally, machine learning (ML) algorithms adapt to different use cases over time and enhance RevEl’s capabilities, making it a future-proof product that is always ready to go. in the mortgage industry!

In short, getting mortgage loans approved has never been so convenient, fast or hassle-free! It’s the mortgage solution everyone has been waiting for.

To get started with Digilytics RevEl, visit website now!


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Basic materials shares gain | Business Standard News https://forumdellamagia.org/basic-materials-shares-gain-business-standard-news/ https://forumdellamagia.org/basic-materials-shares-gain-business-standard-news/#respond Thu, 22 Apr 2021 04:30:00 +0000 https://forumdellamagia.org/basic-materials-shares-gain-business-standard-news/

Commodities stocks traded in the positive zone, with the S&P BSE Basic Materials Index advancing 42.85 points or 0.97% to 4479.12 at 9:49 am IST.

Among the components of the S&P BSE Basic Materials index, Tata Steel BSL Ltd (+ 5.03%), Tata Steel Ltd (+ 3.94%), Vinati Organics Ltd (+ 3.66%), Steel Authority of India Ltd (+ 3.6%), Hindustan Zinc Ltd (+ 3.3%), were the first winners. Other winners include Shree Digvijay Cement Co. Ltd (+ 3.19%), West Coast Paper Mills Ltd (+ 3%), Visaka Industries Ltd (+ 2.81%), Prakash Industries Ltd (+ 2.81% ) and DCW Ltd (up 2.58%).

In contrast, Shree Cement Ltd (down 2.96%), Grauer & Weil (India) Ltd (down 2.23%) and Century Plyboards (India) Ltd (down 1.88%) fell .

At 9:49 am IST, the S&P BSE Sensex was down 226.55 or 0.47% to 47,479.25.

The Nifty 50 index was down 44.65 points or 0.31% to 14,251.75.

The S&P BSE Small-Cap Index rose 49.37 points or 0.24% to 20,824.87.

The S&P BSE 150 Midcap Index fell 2.03 points or 0.03% to 6,788.38.

Regarding BSE, 1179 shares were trading in green, 1003 were trading in red and 110 were unchanged.

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(This story was not edited by Business Standard staff and is auto-generated from a syndicated feed.)

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Kingsport BMA hopefuls face off in Candidates Forum | WJHL https://forumdellamagia.org/kingsport-bma-hopefuls-face-off-in-candidates-forum-wjhl/ https://forumdellamagia.org/kingsport-bma-hopefuls-face-off-in-candidates-forum-wjhl/#respond Thu, 22 Apr 2021 03:19:59 +0000 https://forumdellamagia.org/kingsport-bma-hopefuls-face-off-in-candidates-forum-wjhl/

KINGSPORT, Tennessee (WJHL) – Kingsport’s potential future leadership discussed a variety of topics at a virtual forum Wednesday night hosted by the city’s chamber of commerce.

The future of retail in Kingsport is uncertain after the COVID-19 pandemic resulted in online shopping. Some of Kingsport’s alderman candidates had suggestions for boosting business after one of America’s toughest economic years.

“We should recruit gunmakers who shy away from leftist politics in the Blue States. With Bristol Motor Speedway on the road, we would be a great place for research and development for a company like Tesla, which is leaving California due to high taxes, ”said candidate Joe Carr.

Incumbent Betsy Cooper hopes to retain her seat as Kingsport alderman. She said her education experience would help her develop skills not only for Kindergarten to Grade 12 students, but also for preschool and college students.

“I think we need to, to expand the skills to go down to preschool, we have adopted their kind of core standards so that our children, when they leave our preschool, are ready to go to kindergarten, to the other end of that higher, we have JSIS in downtown TCAT that do some of the training we’re talking about doing the training to prepare people for employment. So I think we have to work at both ends of the spectrum, ”she said.

Business-focused candidates like pharmacist Bob Harshbarger and former Chamber of Commerce chairman Paul Montgomery had suggestions for the potential future of Kingsport businesses.

“I would like to see Kingsport stronger than it is today. And I see that by having a more vibrant downtown, more entertainment downtown, a place where people can go to a show and have dinner, ”Montgomery said.

With Amazon naming Alcoa, Tennessee as the next site, Harshbarger said Kingsport could be the home of big companies, potentially.

“The way you stand out is customer service. This is how we are going to have to differentiate ourselves from online retailers. Amazon has built an unparalleled, customer-centric approach. And so for local businesses, I guess, to compete with that, they’ll have to focus on products that are online retailers like Amazon and Walmart that they can’t supply, ”he suggested.

Another sitting city councilor, Colette George, said her experience as a real estate agent in downtown Kingsport gives her an edge when making suggestions for the future of Kingsport’s business.

“If you have a developer, it’s going to come and bring stores that aren’t competing in this area, that provide a service to our citizens that they need. We need to look at the incentive possibilities available, ”said George.

The issues of homelessness and the opioid pandemic have been at the forefront in recent years in the town of Kingsport, and city councilors spoke about possible plans for the future at the forum on Wednesday evening.

“Fiber optic lines and free broadband is something that big progressive cities do, what’s wrong with a small town that does? I think Kingsport could lead the way in the Tri-Cities. We could also be a tech magnet for people, ”said author JS Moore.

Former Foreign Service officer Sara Buchanan said Wednesday she had a difficult decision to make in deciding to run for alderman because she would have to relinquish her role in the federal government. Her vision for her hometown, however, won this particular moral dilemma, she told the forum.

“The issue of homelessness, the issue of urban blight, the issue of safety and crime in our city is very, very important to me and it really breaks my heart to see that more money and time will be dedicated to a dog shelter. for homeless people. So I will bring compassion to the council of the mayor and aldermen, ”Buchanan said.

Candidate Wesley Combs told the forum that he hopes to lead Kingsport in the future.

“A movement that is happening with the circular economy here in Kingsport that we could easily brand and make a Kingsport national name that we can recycle, all plastic so that no plastic ends up in the landfill, and no cardboard ends up. found in the landfill. dump more I think these are pretty promising things in today’s world, ”Combs said.

One candidate, Gerald Sensabaugh, was not present at Wednesday’s forum.

If you missed the forum, you can watch it in its entirety here:

Election day is May 18 and early voting will take place from April 28 to May 13. Postal ballots can be requested until May 11.




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Take a closer look: why you can’t find a rental car in 2021 https://forumdellamagia.org/take-a-closer-look-why-you-cant-find-a-rental-car-in-2021/ https://forumdellamagia.org/take-a-closer-look-why-you-cant-find-a-rental-car-in-2021/#respond Wed, 21 Apr 2021 23:34:00 +0000 https://forumdellamagia.org/take-a-closer-look-why-you-cant-find-a-rental-car-in-2021/

Summer is approaching and if you are planning to take a vacation you may want to take a closer look at car rentals before you book.

MAINE, USA – Temperatures are rising, as is the interest in taking a summer vacation. If you are starting to make plans, you are not the only one.

A new study by The points guy and Healthline Media shows that half of the adults surveyed plan to make at least one getaway this summer.

If you plan to leave soon, you might run into a roadblock and it’s not on the road. Consumers are seeing a lack of rental cars available in tourist destinations.

So before you book, let’s take a closer look.

RELATED: New or Used? Either way, price hikes are squeezing U.S. auto buyers

Shortage of rental cars and rising prices

Enthusiastic travelers trying to book vacations after the pandemic find rental cars hard to find and expensive.

When the pandemic hit, car rental companies were hit hard, according to reports. To make up the difference, they sold their fleet.

Now that people are leaving, there is not enough for everyone.

New cars in short supply

According to experts, it will not be easy for rental companies to increase their offer. New cars are also scarce as automakers face a shortage of semiconductor chips.

So now the big rental companies are trying to mix their existing offering to get cars where travelers need them. Right now, that means vehicles are being moved to warm weather states.

At least one person who traveled to Hawaii posted on social media about renting a U-Haul truck when they couldn’t find a rental car, but travel experts don’t recommend this alternative.

Before you book or if you are on a short trip. try to include more days in your search, which may reveal more options.

Be thrifty and look beyond traditional car rental companies. Turo is a form of carsharing that allows owners to rent their vehicles, much like Airbnb for cars.

Or maybe skip the flight for now and take an all-American road trip.


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London Credit runs CPD training for brokers https://forumdellamagia.org/london-credit-runs-cpd-training-for-brokers/ https://forumdellamagia.org/london-credit-runs-cpd-training-for-brokers/#respond Wed, 21 Apr 2021 08:47:22 +0000 https://forumdellamagia.org/london-credit-runs-cpd-training-for-brokers/

London Credit has set up a free accredited online CPD training event for brokers on the differences between regulated and unregulated loans.

The seminar, which features Ray Cohen, principal of Jackson Cohen Associates, aims to help brokers understand which loans are regulated, which are not, and which are exempt.

It will explain why the difference is important, define the necessary permissions and offer brokers the opportunity to ask questions about specific scenarios.

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The online event will take place on May 11, 2021 at 11 a.m. and participants will have the opportunity to acquire accredited CPD hours for their professional development.

Places are limited, with a maximum of two brokers per company that can participate.

Marios Theophanous, Credit Manager at London Credit, said: “It promises to be a very popular online workshop.

“Ray Cohen is an excellent speaker with great expertise in this area, and understanding how the processes and responsibilities vary between regulated and unregulated loans is a vital consideration for all brokers.

“I encourage brokers to register as soon as possible before this event also becomes oversubscribed.”


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Record International Student Enrollments at UQ for 2021 as Universities Offer Online Study Discounts | Australian universities https://forumdellamagia.org/record-international-student-enrollments-at-uq-for-2021-as-universities-offer-online-study-discounts-australian-universities/ https://forumdellamagia.org/record-international-student-enrollments-at-uq-for-2021-as-universities-offer-online-study-discounts-australian-universities/#respond Tue, 20 Apr 2021 07:13:00 +0000 https://forumdellamagia.org/record-international-student-enrollments-at-uq-for-2021-as-universities-offer-online-study-discounts-australian-universities/

The University of Queensland enrolled a record number of international students in 2021, even as the border remains closed, as higher education institutions continue to offer discounts to allow international students to continue their studies online .

The Universities of Queensland, Adelaide and Newcastle are among the top institutions in Australia offering discounts of up to 20% to keep international students enrolled online while they wait to resume travel.

But UQ has warned that its surge in enrollments was due to pent-up demand from students who missed out last year and that numbers are expected to drop in the future if borders remain closed.

The University of Newcastle, which offers a 20% discount, told Guardian Australia its program was resulting in a higher than expected rate of enrollment and accepted offers.

This year, international student enrollments at UQ have reached record highs – and enrollments from China are up 50% from 2020 levels despite widespread reports that the students had been informed by the Chinese government to avoid Australia.

In Semester 1, 2021, UQ had 17,956 enrollments of international students, up from 16,612 in Semester 1, 2019, before the pandemic, and well above 14,882 registered in Semester 1, 2020.

Chinese student enrollments jumped to 11,265, up from 7,466 last year and 8,995 in 2019.

The university offers international students a 12.5% ​​discount to register for a course and study online while staying in their “home country”, with the aim of coming to Australia when possible.

UQ said in February that 80% of new international students in Semester 1 were abroad. However, UQ Chancellor Professor Deborah Terry said in a statement Monday that the record number of international students would likely decline over time.

“While international registrations for this semester are stronger than we expected, they reflect the trend we were seeing before the pandemic,” she said.

“This time last year, some students postponed their studies but, over time, they realize that they don’t want to put their lives on hold. They continue to study online in the hope that the borders will reopen and that they can come to campus for the full experience.

“However, if our borders remain closed, the outlook will remain uncertain and we will likely see these numbers decline in the following semesters.”

Other universities, like RMIT University in Melbourne, saw a 25% drop in new applications from international students compared to the same period last year.

Vicki Thomson, chief executive of the Group of Eight, of which UQ is a member, said in February that other member universities have heard that Chinese authorities have warned students not to come to Australia.

“There is definitely something going on,” she told Nine Journals at the time. “Either officers are told not to direct students here, or they are told not to mention Australia as a study option. But we haven’t received any official notification from anyone. “

A spokesperson for the University of Sydney said at the time: “We have not received any information that students have been told not to enroll at our institution.”

The University of Newcastle and the University of Adelaide offer similar 20% fee waivers for those still offshore, while Charles Sturt University offers a 30% scholarship for international students studying in Australia as a their “study plans were impacted by the Closing of the Covid-19 borders”.

At the start of the academic year, a spokesperson for the University of Newcastle told Guardian Australia: “We have opened this offer to all returning international students and beginners currently located abroad. Fortunately, we have seen a conversion to listings at a higher rate than expected ”.

Australian universities have also seen an increase in postgraduate enrollment domestically.

Data on paying loans for 2021 compiled by the education department showed earlier this year that full-rate paying loans have doubled or tripled at some universities this year.

At the University of Adelaide, total assistance expense loans are expected to increase from $ 11.4 million to $ 21.9 million, Central Queensland University is expected to increase from $ 10.46 million to $ 20, $ 41 million and Charles Darwin University will increase by about 193%, from $ 470.00 to $ 1.38 million.

Monash University Fee Assistance Loans are expected to increase 32%, from $ 78.7 million in 2020 to $ 104.2 million, or nearly $ 30 million.

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