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Gift ideas for a friend who is moving to a new home

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Gift ideas for a friend who is moving to a new home

When you are a friend and someone is moving to a new home, it’s hard not to feel jealous. You aren’t the only one feeling the stress of a friend moving away. The stress doubles as you try to find the perfect gift for her. You want them to be just as happy as you are in their new home, so what can you bring them? Find out what housewarming gift you can get! The good news is that there are plenty of excellent gift ideas for friends who have moved into their new home, and we’re going to discuss some of these options in this blog post.

A housewarming gift is a great way to show your friend that you care. It is a perfect reminder of how important they are in their new space and also introduces any visitors who stop by after the move. The ideas below cover some excellent gift options, but remember not to make them too big or too heavy to move around.

An artwork

Nobody can deny the charisma of works of art. For the most part, it’s the kind of thing that can be viewed in different ways. Because what could be nicer than decorating your walls than with something you love? Plus, it’s sure to be a conversation starter and give your friend something new to show off. An art frame is perfect for someone who has just moved into their new home. You can also do a DIY art project by hanging a brightly colored wool rug. Your friend will surely enjoy these handmade crafts.

A cozy blanket

Is there anything better than curling up on the couch and watching TV or reading a book under a blanket? Unless! Then why are you waiting. Buy the soft pink or white fluffy fleece blanket for your best friend forever.

A coffee table book

If your friend is an avid reader or an art lover, then a photo book is perfect. You can buy books at the bookstore for a reasonable price, and they will always stay on your coffee table to remind you that you are thinking of them.

A care package

That might sound like kindergarten, but a care package is always welcome. They can accommodate necessities like toothpaste, soaps, and other toiletries that they may have forgotten in a rush. Or create a cosmetic essentials box for your friend with sensitive skin. You can even book a spa day for her in the new town she’s moving to.

Custom-made floor cushions

You can make custom pillows for your friend to match the decor of their new place. This is a great idea if you are moving into a house or apartment furnished with items from different cultures as it will make you feel more comfortable around the area. You can create these on your own by making pillow cases from a brightly colored Pakistani rug or sequin fabric.

A personalized blanket

This is an item that you can make yourself and deliver to your friend in time for them to use in their new home. You can find a blanket at any store or buy it online and add your friend’s name and the state / country she currently lives in.

A decorative vase

When moving into a new home, the first thing you notice is that there is most likely a lack of decoration. A vase can be used to add color and life to an empty corner or shelf, and to make your friend feel at home in their surroundings.

Scented candles

Scented candles are a nice gift for someone who has just moved into their new home. They will help bring some of the conveniences of the old home to this new one. Get your best friend’s favorite fragrances and give her a new home.

A set of dishes

If you know your friend loves to cook, a dinnerware set is a perfect gift. They come in every price range and they are always useful for entertaining guests or simply cooking at home with friends on the weekend.

A personalized picture frame

Another good idea is to buy your friend an empty picture frame and decorate it with your favorite moments together. These are the unforgettable memories that will stay with them long after your absence, so they will be grateful for a reminder of your friendship in their new home.

A cactus plant

If you want to give your friend a little world of life when he moves, get him an adorable cactus plant. The bright colors and variety and also the small size are the perfect decoration for your new home.

A set of sheets or curtains

The only thing you can never have enough of are bed linen or curtains. Getting these for your friend is always great because he will be sure to appreciate them and use them in their new home.

A greyhound

Wind chimes are the best gift to give to someone because they will always be reminded of you when they hear it, and the sound will also remind them that there is beauty everywhere.

A set of cups or glasses

Another great gift for your friends is new mugs or glasses to use in their new home. You no longer need coffee cups, so a great option would be a set of cups or glasses.

A painting for the wall

This is another great gift because your friend can choose what type of painting they would like, and it isn’t as expensive as some of the other gifts on this list. This will make them feel at home in their new place.

A cozy carpet

Moving is exhausting enough that a cozy rug gives your friend warmth and security. It will be a perfect cozy place for them to sit and have a cup of tea or coffee. Ziegler carpets are an excellent gift for your new home. Read our blog “Tips on Buying Zieglar Carpets” to find out more about the best carpet for your friend.

One last note

With that in mind, we’ve rounded up some of our favorite gifts for friends moving into their first home. Whether you want to buy something special as a housewarming gift or are looking for ideas for your friends’ new living space, these products will help them feel at home and happy in their new place! Let us know what you think on these points and anything else on your list by commenting below. We hope this post has helped narrow down your shopping list so it doesn’t get too overwhelming when looking for a great gift idea! Have fun giving away!

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Here’s how to prepare for life after graduation

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Life after graduation can be … a lot.

You don’t really appreciate the bubble of campus life until you step into the great unknown. One day you worry about studying for exams and writing papers, and the next day you worry about how to pay rent and put bread on the table.

It gets easier, but the transition is usually a bit bumpy. So it helps to do a little prep before graduation – these simple strategies will do it.

Fix your social media profiles

An inappropriate social media profile can ruin your chances of getting a job. After you graduate, make sure your profiles are private. Change your profile picture to something harmless, like a picture of you in a hat and dress.

Double check that there aren’t any embarrassing public tweets or posts that could throw you in the hot water.

Create a LinkedIn profile, if you don’t already have one, and list your academic and professional achievements and special skills. Network with other students, former professors and former supervisors. Ask for recommendations and endorsements. Follow companies you’re interested in to be notified when they post a new position.

Check your credit report

Your credit report shows all of your past and current loans, credit cards, and other credit products. There are three different credit reporting agencies that produce credit reports: TransUnion, Equifax, and Experian. Lenders, landlords, and even employers will review your credit reports to determine how responsible you are as a borrower.

Regularly checking your credit report will highlight errors or potential problems, such as: For example, a credit card that doesn’t belong to you or a late payment on a long-forgotten loan.

Check your official credit report for free on AnnualCreditReport.com, which displays official credit reports from all three offices. You can check your credit report once a week free of charge until April 2022.

Monitor your balance more often and for free by creating a Mint account. Mint shows your creditworthiness and notifies you if anything has changed in your report. Your credit report is like a financial report card while a credit report is like a GPA. Credits range from 300 to 850, and anything over 670 is considered good. An excellent credit score that you need to secure the lowest interest rates is 750 or more.

Find and organize your student loans

If you’re like thousands of college students, you graduated from college – with a high student loan balance. Managing your student loans will be one of your first post-graduate challenges, and there is no better time to start doing it than now. Use our free installment calculator to determine your monthly installment.

First, find your federal student loans by logging into the Federal Student Aid website. This shows all of your federal student loans, the minimum payment, the interest rate, and the total amount owed. If your parents have taken out federal loans that you are expected to repay, they can sign up through the same website.

If you have a personal student loan, visit each service provider’s website and create an account if you don’t already have one. Your personal loans should be listed on your credit report whenever you need a refresher.

After you’ve signed in, the site should list your next due date. In most cases, you can set up automatic payments from your bank account. This will ensure that you don’t miss out on any payment that would lower your credit score.

If you’re struggling to find work, apply for a respite from your private lender or switch to an income-based repayment plan from your state lender. Federal loans under an IDR plan have a $ 0 monthly payment if you are not employed.

Avoid using federal respite or forbearance unless you really need it. Borrowers are limited to three years for these programs, so it is best to save them for a real emergency. Private lenders also usually limit the number of deferrals on a loan. Before deferring any loan, check with the lender and ask if there are other options available.

Start networks

Graduates without a job should start networking as soon as they graduate. Remember that applying online is not the only way to get hired. Making connections is a better way to learn about new positions.

Even though many networking events are still being postponed due to the pandemic, you can still reach people through LinkedIn. Send a short message explaining who you are and what connections you have with one another. People are more likely to react when they have something in common, like the same alma mater or sisterhood.

Ask former professors or bosses if they have any job search suggestions. Sometimes their advice leads to a useful tip that you can implement to improve your job search.

When someone agrees to meet you for lunch or coffee, always offer to pay and then send them a thank you card. Some professionals are constantly sought advice, so it is worth respecting your time.

Shyness doesn’t pay off when it comes to getting a job, especially in a competitive environment. Don’t be afraid to ask about vacancies or internships, even if you may not be qualified.

Pursue your interests

Even if you can’t find a full-time job, you can still work on your career. Get an unpaid internship, start a freelance job, or join a professional in the industry. This also puts you in touch with more people who can help you find a full-time gig. Plus, it gives you something on your resume that could be more relevant to your industry than working part-time at a fast food restaurant or driving for Uber.

Freelancing on sites like Upwork and Fiverr can also help you build a portfolio that you can then share with potential employers. Start your own website that you can link on your resume or cover letter.

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Zina Kumok (128 posts)

Zina Kumok is a freelance writer who specializes in personal finance. As a former reporter, she has covered murder trials, the Final Four, and everything in between. It has been featured in Lifehacker, DailyWorth, and Time. Read how she paid off $ 28,000 in student loans at Conscious Coins in three years.

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Vertical Aerospace joins the SPAC “Flying Taxi” package

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The race to develop electric vertical take-off and landing aircraft (eVTOL) is on the rise, with several startups demanding to become the first mover in the air taxi industry.

Many of these companies are choosing to go public by merging with Special Purpose Acquisition Companies (SPACs) because this path to market doesn’t rely on historical financial results and allows companies to make ambitious projections.

The group includes Qell (NASDAQ: QELL), Reinvent technology partners (NYSE: RTP) and Atlas Crest investment (NYSE: ACIC), which are in the process of merging with Lilium, Joby Aviation and Archer Aviation, respectively.

Vertical Aerospace is the newest member of the eVTOL SPAC boom and announced its merger on Thursday Broadstone takeover (NYSE: BSN).

Waiting for the market launch

Founded in the UK in 2016, Vertical says the time has come for eVTOL aircraft thanks to advances in technology and improved economics. The company’s flagship is the VA-X4, which can carry 5 passengers, has a range of more than 100 miles, and can reach speeds in excess of 200 miles per hour.

Similar to Joby and Archer, the VA-X4 uses an open propeller design. In contrast, Lilium uses proprietary Ducted Electric Vectored Thrust (DEVT) technology, which enables leaner designs and obscures the propellers. Archer announced more details on its Maker aircraft this week and unveiled a new prototype at a virtual event on Thursday.

Vertical is still in the development phase and is currently not generating any sales. Deliveries are set to begin in 2024, with the company planning to deliver 50 aircraft that year for $ 192 million in revenue. Vertical predicts the units will grow to 2,000 in 2028, which would bring in $ 7.3 billion in sales.

The company has secured conditional pre-orders from major players who are also investing in the merger. American Airlines (NASDAQ: AAL) placed conditional pre-orders for up to 350 aircraft. Avolon, the world’s second largest aircraft rental company, plans to buy up to 500 aircraft, with Virgin Atlantic expressing interest in 150 vehicles. It all adds up to a potential unit sale of 1,000, which equates to $ 4 billion in revenue if Vertical can do it.

How the merger is built

The transaction gives Vertical an equity valuation of $ 2.2 billion. Broadstone has approximately $ 305 million in escrow, and SPAC has provided an additional $ 89 million for PIPE (private investment in public equity) funding. Prominent investors attending PIPE are among the prominent investors Microsoft’s (NASDAQ: MSFT) Venture Arm M12, American Airlines, Avolon, Honeywell (NASDAQ: HON) and Rolls Royce (OTC: RYCEY), among others.

After the transaction costs are paid, an estimated $ 344 million of the cash will be added to the combined company’s balance sheet. Vertical’s existing investors will retain a 72% stake, SPAC’s public shareholders will own 14% and Broadstone will transfer its existing 3% stake. Avolon will own 4%, American Airlines will own 5%, and the rest of the PIPE investors together will own 2%.

The merger is expected to close in the second half of 2021, when the ticker symbol changes to “EVTL”.

Where can you invest $ 500 now?

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There is one company that “called” these companies long before they made it big. They first recommended Netflix in 2004 $ 1.85 per share, Amazon in 2002 at $ 15.31 per share and Apple back in the iPod shuffle era $ 4.97 per share. Look where you are now.

This company: The Motley Fool.

For people willing to make investing a part of their financial freedom strategy, take a look at The Motley Fool’s flagship investment service. Stock advisor. They just announced their top 10 “best buys” across Europe entire exchange. Whether you’re starting with $ 100, $ 500, or more, be sure to check out the full details.

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Evan Niu, CFA has no position in any of the stocks mentioned. The Motley Fool has no position in any of the stocks mentioned. Millennial Money is part of The Motley Fool Network. Millennial Money has a disclosure policy.

This Week in Wealth Management Offers: June 6, 2021

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That week, Steward Partners sold a minority stake in its wealth management business to the Pritzker Organization, an investment firm for the heirs to Hyatt hotel assets, the Pritzker family. The Pritzker organization has invested $ 100 million in Steward and will have two seats on Steward’s board of directors.

Protective Life Holdings, the parent company of insurance company Protective Life, consolidated three of its businesses, including its broker / trader ProEquities, to create a new competitor in the wealth management space. The new company will have $ 5 billion in AUM and $ 16 billion in AUA.

WEG takes over MACRO Consulting Group

A hybrid of $ 35.5 billion in assets, the Wealth Enhancement Group acquired an RIA based in Parsippany, NJ with $ 900 million in assets under management. Of the 24 employees who joined WEG in the transaction, five are financial advisors. WEG is back from TA Associates.

Ameriprise Receives $ 800 Million on CUNA Mutual’s AUM Credit Union Team

Ameriprise Financial has entered into an agreement with Randol Brooks Credit Union as a broker / dealer. The RBFCU will complete its move from CUNA Mutual by 2022. The new deal brings together RBCU’s 14 financial advisors, who manage total assets of $ 800 million in 61 offices across Texas.

LPL Financial adds 3 advisors from Northwestern Mutual and 2 from Raymond James

Four financial advisors joined Bleakley Financial Group, an LPL finance company, from Northwestern Mutual. Consultants John Patterson, Steve Owings, Joe Patterson and McKee Nunnally managed approximately $ 420 million in advisory, brokerage and retirement assets. They are going to open a new office in Atlanta.

Consultants Mike Fuller and Rob Barber joined LPL and became Perennial Financial Services. The duo, who came from Raymond James, managed $ 155 million in advisory, brokerage and retirement services. The team is based in Arroyo Grande, California.

Advisory group recruits 5 advisory teams

The Advisor Group assembled five teams of advisors to oversee total client assets of $ 331 million. SagePoint Financial, a network member of the Advisor Group, includes Granite Vista Financial, founded by David “Chris” Benson in Phoenix; Perfected Wealth Management, led by Daniel Campbell in Huntington Beach, California; Bridges Wealth Management, headed by Eric King in Corvallis, Oregon; Legacy Financial Advisors, Inc., headed by Kenneth Moran of Lynnfield, Massachusetts; and Tartarini Financial Services, a Woburn, Massachusetts company owned by Richard Tartarini.

Former RBC advisor moves to TruClarity Wealth Advisors

Consultant Matthew Chester in Stockbridge, Massachusetts founded his company Tableaux Wealth Management with TruClarity Wealth Advisors. Chester supervised $ 133 million in assets under management at RBC Wealth Management.

Consultant Daniel Limmer opens Procyon Partners in West Palm Beach

Daniel Limmer, who managed $ 70 million in client assets for Planning Solutions in his Long Island office, joined Procyon Partners, a $ 4.5 billion company. Limmer will build Procyon’s West Palm Beach, Florida site.

Kestra adds Marc Goldstein Associates

Consultant Marc Goldstein and his firm Marc Goldstein Associates joined Kestra Financial from Principal Securities. The firm is based in New York City.

First Republic pulls JP Morgan as Vice President

Terance Takyi, formerly JP Morgan, moved to First Republic’s New York office. He brings 15 years of industry experience and will hold the title of Managing Director and Asset Manager.

What Is Uber Pass And Is It Right For You?

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What happened to those cute Uber deals where the price of getting from here to there beats anything other than walking? The pandemic, that happened.

Stories of fares at least twice what it was last year can be found all over social media and news publications. Someone even told the New York Times that their Uber fare from Midtown Manhattan to John F. Kennedy Airport was the same as their flight to San Francisco. And he showed the $ 250 receipt to prove it.

Would an Uber Pass have helped? Possibly. Let’s explore the benefits of membership.

What is Uber Pass and how can it help you save on trips?

The Uber Ride Pass subscription service was first launched in selected cities in 2018. Now you can subscribe to the Uber Pass in more than 200 cities across the country.

The rideshare company expanded the program last year during the pandemic, despite closing the program in California due to the ongoing battle with the state trying to require Uber to label its drivers as employees rather than contractors.

Uber Pass is a monthly subscription that costs $ 24.99. For me here in Cincinnati, that’s about the cost of a 20-minute Uber ride, give or take. Uber calculates your price based on the time of day and the distance of a trip, plus any booking fees and price increases based on location (New York City is much more expensive than Cincinnati, for example) and demand.

Evaluating the benefits of Uber Pass

What do you get for $ 24.99 a month to make the Uber Pass worth the cost? There are four things to keep in mind:

1. The Uber Pass includes discounted rides for members only

In general, you save 10% on economy trips and 15% on premium trips. Economy includes UberX, UberXL, Uber Green, and Uber Comfort rides, while Premium only includes Uber Black, Premier, and SUV rides.

To cover your $ 24.99 monthly fee from this benefit alone, you’ll need about $ 250 monthly Uber travel costs. Spend a penny more and it’s already paid for itself.

But discounted rides aren’t the only perk of the Uber Ride Pass.

2. Uber Pass protects you from price increases

Surge pricing is a frustrating concept for passengers: if more customers request rides than drivers give them, Uber will charge passengers more because the company offers more for drivers to drive into surge areas (like a popular bar right after it closes on a public holiday).

This – increased demand and fewer drivers – is now happening on a larger scale. While price increases are typically limited to popular destinations, often during opening and closing hours, riders are seeing them more and more due to the nationwide shortage of Uber drivers.

The Uber Ride Pass protects you from these price increases. It’s a pretty clever strategy from Uber: Uber increases the prices of its rides and then asks you to pay more for its monthly service that protects you from those soaring prices. Either way, Uber wins.

That said, if you ride Uber frequently, you can win too.

3. Uber Pass makes grocery deliveries more affordable

The global pandemic has dramatically increased the number of families who rely on grocery deliveries from apps like Instacart. Uber was a little late, launching grocery delivery in limited markets in July 2020 through its partnership with Cornershop.

If you live in an area with this service, the Uber Ride Pass might make even more sense as the $ 24.99 monthly subscription gives you free delivery of all grocery orders at eligible stores. And a reminder that a good customer and person will tip even when delivery is free.

4. Uber Pass is linked to Uber Eats

Many fully vaccinated people are returning to their pre-pandemic habits, but whether you were a couch potato before COVID-19 or you’re still unsure about getting back to the outside world, Uber Eats grocery delivery is a great solution .

But as someone who has placed a lot of Uber Eats orders (… and Door Dash orders … and Grubhub orders …), I can attest to how much more expensive it is to have your food delivered than to simply collect it. (And a reminder that you absolutely must should Tip your food delivery company no matter which app you choose!)

Fortunately, Uber Pass gives you free delivery charges on all eligible restaurant orders. In fact, Uber has negotiated a deal with select restaurants to save Uber Ride Pass members 5% on their orders.

Should I get an Uber Pass?

There are many advantages to subscribing to Uber Pass, but for most of the average Uber user, it might not be worth the monthly fee.

However, if you don’t have a car and rely on Uber for regular errands like groceries (whether it’s personal grocery shopping or delivery), doctor’s appointments, and evenings out on the town, it can be a worthwhile investment.

View your account history in the Uber app. If your usage decreased during the pandemic, analyze your usage in 2019. Did you make an average of $ 250 more a month? In that case, consider an Uber Ride Pass subscription. If not, it probably makes sense to save money in other ways, such as carpooling or public transit.

Pro tip

You can save money on Uber trips by using UberPool, where you travel to a shared destination or on a similar route with strangers. Remember to mask yourself.

If you sign up for the Uber Pass and find that it’s not worth the $ 24.99, you can always cancel with Uber. You are not bound by a contract.

How do I get an Uber Pass?

Getting Uber Pass is easy. Just open the Uber app on your phone, click the menu button in the top left, then click Uber Pass to get started. The ride-sharing company automatically charges the credit card stored in the Uber app for trips.

Uber often runs some sort of promotion for the Ride Pass. For example, Uber is currently offering me a week for free. But because I use Uber maybe every two months, I think I will consist.

Uber Pass vs. Uber Rewards

You may have heard of Uber Rewards, a loyalty program that has its own perks, but it’s important to note that this is different from Uber Pass.

Unlike the Uber Pass, participation in Uber Rewards is free. Open the Uber app to get started; You can find the Uber Rewards link just above the Uber Pass.

There are four tiers of Uber Rewards. You level up by taking more and longer trips.

For every dollar you spend on UberPool, Express Pool, or Uber Eats, you get one point; For every dollar you spend on UberX, UberXL, Uber Green, Uber WAV / Assist, Uber Comfort, Uber Connect, Uber Pet and Uber Select, you will receive two points. And for every dollar you spend on Uber Black and Uber Black SUVs, you get three points.

About Rewards Levels

  • Blue: From 0 to 499 points you are considered a Blue member. There are no real advantages at this level.
  • Gold: From 500 to 2,499 points you are considered a Gold member. Get priority support and flexible cancellations.
  • Platinum: From 2,500 to 7,499 points you are considered a Platinum member. You get all the benefits of Gold, plus an increase in Favorite Route Points (earn 10 Reward Points for every dollar you take a certain route such as shopping every week) and priority airport pickups.
  • Diamond: With 7,500 points you are at the end of the Diamond membership. You get all the benefits of Platinum, plus Premium Support, Highly Rated Drivers, Premium Ride Points Boost and Double Points at Uber Eats. Uber also promises free upgrades, if available.

Why did Uber get so expensive?

Although unemployment has fallen from the dangerous 14.8% at the start of the pandemic (the largest in US history), businesses around the world and in all industries are still facing labor shortages.

Last year people were stuck at home wondering if Carole Baskin was feeding her husband to a tiger. But this year, fully vaccinated individuals are returning to their lives, ready for a nice meal, strong drink, and safe journey home.

Research firm Rakuten Intelligence recently reported that the cost of an Uber trip in April 2021 shot up 37% year over year.

The only problem? The ongoing staff shortage means businesses are unwilling to meet demand, from fast food chains to amusement parks to ridesharing like Uber and Lyft.

This came as quite a surprise to Uber customers, who likely got used to fast pickups and low rates prior to the pandemic. Now customers everywhere are facing longer waiting times and higher prices for an Uber trip.

For city dwellers who frequently drive Uber, this can get confusing. The same goes for people who use Uber to get them home safely from parties or bars.

Timothy Moore is the Senior Editor of WDW Magazine and a freelance writer and editor on topics such as personal finance, travel, careers, education, animal care, and automotive. He has been working in this field since 2012 with publications such as The Penny Hoarder, Debt.com, Ladders, WDW Magazine, Glassdoor, Aol and The News Wheel.




The recipient of Bridging Finance triggers an alarm in the event of mass deletion of emails

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A service ticket submitted to an IT company on October 6, 2020 contained the request to delete “all email recordings” based on specific inquiries. Based on logs verified by PwC, this resulted in the deletion of 34,200 emails.

PwC also has “a number of concerns” regarding the Alaska-Alberta Railway Development Corp. (AARDC), the firm with which Bridging Finance had the largest credit exposure. As of March 31, Bridging had reportedly loaned $ 316.6 million to AARDC. PwC said it has requested that AARDC repay $ 207.8 million of its outstanding loan.

The OSC has claimed that Sharpe has received payments of $ 20 million from Sean McCoshen, the sole shareholder of AARDC. PwC said his lawyer tried to have a conversation with McCoshen about the role of some numbered companies under his control, but McCoshen’s attorney said he was unable to respond “due to medical conditions.”

PwC also alleged that it was informed of the resignation of the AARDC legal advisor along with part of its management team late last month. The court-appointed recipient informed the shareholders that his forensic team would endeavor to restore the deleted emails.

In a statement Thursday, Melissa MacKewn, Sharpe’s attorney, panned PwC’s report. As reported by the Financial Post, MacKewn said the report’s references to AARDC effectively slandered and threatened to get “substantial” on a major loan for a railroad project [erode] the value “of key assets for investors in bridging finance funds.

The labor shortage can be permanent

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According to some entrepreneurs and Wall Street experts, US employers cannot hire enough people because unemployment benefits are too high. We pay people not to work, they say.

Certainly, something People who could work milk the system. That’s sad, but is that the only reason all of these jobs are unfilled? Probably not.

Nonetheless, several governors have decided to end the federally funded extended benefits. Instead of the planned September phase-out, they will now disappear in some states as early as next week.

If there are indeed social benefits that keep people from working, then the labor shortage in the states that quit them should ease. But I think the story has even more to offer. This problem existed before these additional benefits. Rather, it’s the result of bigger trends that don’t stop. If anything, they keep getting worse.

Shrink pools

The US Chamber of Commerce has just launched a new America Works initiative. In her words …

The U.S. Chamber is advocating – and rallying the business community to urge – federal and state policy changes that will help train more Americans for sought-after jobs, remove labor barriers, and double the number of visas for legal immigrants. And the US Chamber Foundation is expanding its most impactful employer-led employee and professional training programs and starting new efforts to connect employers with undiscovered talent.

All good ideas as far as they go. But the Chamber believes there is a large pool of underutilized labor ready to fill all of these positions once some barriers fall. That is not necessarily the case.

Consider this chart from the US Chamber’s own report.


Source: U.S. Chamber of Commerce

If you compare the Department of Labor’s data on the number of available workers to the number of vacancies, there are now 1.4 available workers per position. In the opinion of the board, this is not sufficient. But notice a few things.

First, the ratio was even lower before the pandemic – around 1.0 in 2018-2019. The availability of labor is actually higher now.

Second, the rate has been falling for years. What is different now is that it has reached a point where workers and jobs are roughly in balance. No more surplus labor means that employers cannot afford the luxury of choosing from multiple candidates. This is new to them and of course some find it difficult.

The real problem with this is that we are creating fewer people.

Here has been the US working-age population (15–64) since 1977. It has stopped growing and is starting to shrink.


Source: St. Louis Federal Reserve

Of course, people can and increasingly are working beyond the traditional retirement age. Even very few 15-year-olds work full-time. But that gives us a rough idea of ​​how many Americans could possibly work.

Here’s another look that shows the annual percentage change in the 20─64 age group.


Source: The New York Times

This is an important reason why employers cannot fill vacancies. In many cases, the desired workers simply do not exist.

Clumsy robots

Companies automate more tasks, but that too has its limits. This is from a current one Wired Story of a New Jersey restaurant experience with a robot waiter named Peanut.

Robots also lack the kind of intelligence, manual dexterity, and knowledge of human nature that any good cook, host, or waiter relies on to keep their guests happy. Can Peanut talk down a customer who is angry because their eggs were fried and not stirred? Can it skillfully serve a tuna tartare and avocado tower and a nice little sauce flourish around the edges? Can a robot stop a cook who is on the sidelines because someone labeled their creations as poor quality dog ​​food? No way.

Even using a simple robot like Peanut requires some kind of negotiation between the machine and human workers. Basically: stay on your lane, robot. “They don’t come into play and they are not a good fit for us,” said Julie Carpenter, a research fellow in the Ethics and Emerging Sciences Group at California Polytechnic State University. “We’re negotiating how to get around them – they’re not smart enough to work around us. You are not cooperative. You are not collaborative. They only obey orders. “

Because of this interpersonal awkwardness, you can make strong arguments that there are some jobs that we just don’t want robots to do.

No doubt technology will improve. However, this is happening slowly and businesses need help now.

Those years of surplus labor can backfire. Managers who might pick the crop just don’t know how to deal with being on the other side. This could explain why some of the worst bottlenecks are in industries like restaurants and construction, known for insecure pay, harsh conditions and poor job security.

supply and demand

This is not just a US problem. The Chinese government, facing its own demographic decline, recently said couples could have three children instead of two. Other countries are also trying to encourage more births. Nobody has much success.

Falling birth rates may not be entirely voluntary. Some scientists warn of global sperm count decline due to chemicals in the environment. Others deny this idea. But whatever the reason, we stopped producing as many workers as the economy needed.

The law of supply and demand says that this scarcity makes the existing workforce more valuable and pushes them towards higher wages and better conditions.

In other words, the long-term outlook could point to an economy with better paid workers, with higher wages possibly being due to lower corporate profit margins.

What would this economy look like? Very different from the one we have now.

My partner, John Mauldin, predicts an unprecedented crisis that will lead to the greatest loss of wealth in history. Most investors are unaware of the growing pressures right now. Find out more here.

Energy bills are set to skyrocket millions later this year as experts predict the price cap will rise in excess of £ 100 a year – see if switching can help you overcome the increases

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The energy analysts predict that the price cap for standard and standard tariffs will rise to around £ 1,250 per year in October for a typical dual-fuel household paid by direct debit, up from the current price of £ 1,138 per year. These tariffs tend to be the most expensive – and if you haven’t switched in the last year, chances are you’ll switch to a tariff (check out the Cheap Energy Club to see how much you save by switching could).

For the average household, the increase means bills would increase by £ 112 / year as many providers set their standard rates within just a few pounds of the price cap.

According to Cornwall Insight, the expected increase is due to rising wholesale energy costs (what suppliers pay for gas and electricity). Prices have risen rapidly in recent months and have reached their highest level since 2018, when the extreme weather conditions caused by the “Beast from the East” caused prices to skyrocket.

Ofgem has not yet officially announced how the price cap will change the next time the cap is reviewed. This is expected to be the case in August, with the changes going into effect from October 1st – especially when we are entering the winter season with intensive use.

Savings results will be underrated if you compare it – but don’t let that put you off to beat the hikes

Based on Cornwall Insight’s forecast, the next price cap could be more than £ 400 / year above what is currently the cheapest rate on the market – so check out now how much you could save by switching.

Since we don’t yet know exactly how prices will change in October, the savings you see comparing them are likely to be massively underestimated when compared to them today Prices based on the current cap. So they don’t include the likely £ 100 + / year saved by avoiding the price cap.

If you’re on one of these limited plans, you may not be charged exit fees, so you can switch anytime, so don’t wait.

If you find choosing a new energy tariff confusing, try our free Pick Me A Tariff tools to find the cheapest deal based on your preferences. Or you can do your own full market comparison through our Cheap Energy Club.

Why are rising prices forecast?

Cornwall Insight has forecast a sharp rise in the cap this year due to massive spikes in wholesale prices.

This is due to a sharp rise in costs in connection with a Europe-wide program to reduce CO2 emissions and to higher gas prices due to a very cold winter across Europe.

Electricity prices have also risen due to unforeseen and prolonged failures of many fossil and nuclear power plants.

How does the price cap work?

The price cap limits the maximum amount that providers can charge for each unit of gas and electricity you use, and sets a maximum daily base fee (what you pay to connect your home to the grid).

Currently, someone who uses a typical amount of energy at a standard or standard rate pays a maximum of £ 1,138 a year on average, but Cornwall Insight predicts this will climb to around £ 1,250 per year from October 1st.

The price cap is reviewed twice a year, with changes coming into effect in April and October. It is slated to stay in place until at least the end of this year, with Ofgem later this year will recommend continuing it until 2023.

What does Cornwall Insight say?

Dr. Craig Lowrey, Senior Consultant at Cornwall Insight, said: “The latest forecasts from Cornwall Insight suggest that the price cap on the standard rate will increase by more than £ 100 for the winter of 2021-22 to around £ 1,250 per year for a typical Dual will – fuel direct debit customers – from currently £ 1,138 / year.

“Cornwall Insight’s modeling suggests that it is now likely that we will see a significant spike in the winter price cap. The UK has seen a significant spike in wholesale energy costs, among the highest since the Beast from the East in 2018 . ” .

“While there are still a number of uncertainties about possible legislative changes and the ongoing effects of the coronavirus that will affect our forecast – and which will be addressed in the coming weeks and months – the sharp surge in the wholesale market is likely to be the primary driver for the expected increase in the upper price limit. “



Is It Legitimate or Not Worth Your Time?

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Sprint recommendation
I got a $ 50 MasterCard for referring a friend to Sprint by using the Sprint Referral Rewards program!

To update: T-Mobile successfully acquired Sprint on April 1, 2020 – this will reduce one company and the total number of major US wireless operators from four to three. You can see that Recommend T-Mobile site to friends for more information on the latest promotion.

I was looking for different ways to invite friends to the Sprint Referral Rewards program and wanted to see if the Sprint program is legitimate or not.

If you’re in a hurry, know that I invited a friend and actually paid a $ 50 prepaid MasterCard for it.

However, if you are wondering if this program is legit or want to learn more information about the program like contact numbers, FAQs, program review status, customer support, or a referral tracker, here is everything you need to know about the Sprint Referral Rewards program.


Do you want free money?

  • Aspiration: Would you like to be spotted for $ 150 for free? Just log into Aspiration and the free banking app will give you cash for free. You can just relax while getting $ 150 just for opening a new debit card. There is no catch. This bank account is legit and only takes two minutes to get into Sign up for an account.

Let’s begin.

Sprint Referral Program

cheap WiFi plans

Invite friends and spread the word and earn rewards with the Sprint Referral Program. Refer a friend and you can earn a $ 50 Prepaid Mastercard®.

How it works

  • Current Sprint customers sign up for the Referral Rewards program and then recommend friends via email, SMS or social media.
  • Friends accept the offer, activate a new line, and then register their phone number.
  • To the every new account, you will both receive a prepaid Mastercard® worth 50 USD, up to 500 USD per year!

How to earn a $ 50 activation bonus for new Sprint customers

Visit the Sprint Refer a Friend page, click “Recommended by a friend,” and then follow the directions.

Sprint recommendation

Other conditions to be aware of:

You can only accept one referral offer. The recommendation must come from a current Sprint customer.

You must provide your name and email address in order to accept your offer for the Sprint Refer a Friend Rewards program.

You must agree to receive program-related emails and accept the program terms in order to avail of your offer. You can unsubscribe from program-related emails at any time by clicking the unsubscribe link in a program-related email. Please note that if you unsubscribe from program related emails, you may receive other non-program related emails from Sprint.

You will need to register with your new active Sprint cell phone number after you have opened your new Sprint account and activated your new Sprint cell phone service at a Sprint branded store or participating national retailer with a qualifying tariff plan with a purchased cell phone.

How to earn a $ 50 referral bonus for current Sprint customers

To receive rewards for referring family and friends to Sprint, all you need to do is sign up for the Sprint Referral Program by providing your name, a valid email address, and active Sprint phone number.

You can then start referring your friends or family to Sprint using the tools provided on Sprint’s referral website.

After a friend or family member has accepted your referral offer, opened a new account, activated a new Sprint cellular service and registered with their new active Sprint cellphone number through the referral page, the system validates your referral and both you and your friend or family member become qualified for referral rewards.

If you want to become a Sprint customer because your friend or family member sent you a $ 50 Sprint bonus link, make sure you accept your referral offer, open a new account, activate a new operator with Sprint, and sign up with Your new active Sprint mobile number via the referral page so the system can properly validate the referral and qualify both you and your friend or family member who referred you for referral rewards.

On the homepage you will find exclusive offers from Sprint and brands that you love in the Sprint Rewards section. If you need help with the Sprint Rewards program, the app has dedicated customer support ready to answer any questions or concerns. The toll free number is 833-637-3483.

Good financial read: Let’s talk about portfolio composition

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Let's talk about the composition of the portfolio

Realignment of the investment portfolio: passive vs. active

by Rob Stoll, Financial Design Studio

One of the most important aspects of investing your money for long-term goals like retirement is making sure you rebalance your portfolio frequently. This way you are on track and you are not taking too much or too little risk with your investments.

So let’s look at an example of how this might work:

[Read the Video]

What doesn’t belong in your portfolio

by Britton Gregory, Seaborn Financial

[Read the Full Article]

Should I consolidate my investment accounts?

by Brian Berkenhoff, Birch Investment Management

Would you like more free time? This non-financial reason can be the most important one. If your investment accounts are scattered, think about all of the emails, emails, passwords, and documents that you need to keep track of. As a financial advisor, I’ve invested heavily in software that tracks my investments. The average investor needs a good spreadsheet and lots of storage space.

[Read the Full Article]

Diversified and steadily wins the race

by Massi De Santis, DESMO investment advisor

We recently talked about the difficulty that high valuations and low interest rates pose for investors, and how to approach them. In this post, we’ll dig deeper into the effectiveness of two key levers that we discussed: staying invested and being diversified. We never know exactly when an investment is over- or undervalued. And when we look at historical returns, you can be missing out on great returns if you are not consistently invested and not to time the market. In addition, not all investments react equally and simultaneously to economic events. A broadly diversified portfolio of different types of stocks and bonds in many countries can help offset the effects of uncertainty surrounding specific markets.

[Read the Full Article]

It’s time to intelligently rebalance your portfolio. Here’s why, when, and how.

by Massi De Santis, DESMO investment advisor

When should you rebalance your investments? As with many questions, it’s best to start with the why. Why should we rebalance at all? Your asset allocation, i.e. the distribution of your savings across different investments, is a central element of an investment strategy. It represents the risk-return tradeoff that you will want to make in order to meet your investment goals. As a rule, you can access your asset allocation via a process This includes setting goals and understanding your risk tolerance and ability to take risks. Your asset allocation, not the timing of market cycles or stock selection, determines 90% of your investment’s performance in good times and bad.

[Read the Full Article]


Following financial advisor blogs is a great way to access valuable, educational information about finance – and it won’t cost you anything! Our financial planners are happy to share their knowledge and help everyone, regardless of age or wealth.



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