Saving Investment – Zeleniy Coffee http://zeleniycoffee.com/ Fri, 11 Jun 2021 19:37:04 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 http://zeleniycoffee.com/wp-content/uploads/2021/05/zeleniy-coffee-icon-150x150.png Saving Investment – Zeleniy Coffee http://zeleniycoffee.com/ 32 32 Opinion: Some say the Republican Party is dead – don’t count it yet http://zeleniycoffee.com/opinion-some-say-the-republican-party-is-dead-dont-count-it-yet/ http://zeleniycoffee.com/opinion-some-say-the-republican-party-is-dead-dont-count-it-yet/#respond Mon, 19 Apr 2021 02:37:40 +0000 http://zeleniycoffee.com/opinion-some-say-the-republican-party-is-dead-dont-count-it-yet/

Some Democrats are happy that in their eyes the Republican Party is dead. And they have, especially at this fragile time, reason to say so.

But it is far too early to write the party obituary.

For nearly a third of a century, until 1992, Republicans lost the popular vote in seven of the last eight presidential elections. Ask yourself if it is not a coincidence that this decades-long electoral failure occurred as the party allowed its traditional orthodoxies – free trade, immigration, multilateralism and more – to be gradually overtaken by nativism, isolationism, xenophobia and even tin foil on the head (or horns of animals, as we saw on January 6) loons conspiracy hawkers.

Appeals to 10 Republican senators on this matter were not returned. But one, Ben Sasse of Nebraska, noted in The Atlantic last week that “[i]It is the blossoming of a rotten seed that took root in the Republican Party some time ago and has fed on betrayal, political bad judgment and cowardice.

None of this started with Donald Trump. But his presidency, which ends at noon on Wednesday, has been an accelerator after decades of erosion of values ​​and the exorcism of officials who have tried to adhere to those values ​​and paid the price.

The latest example: Liz Cheney, the No. 3 Republican in the House and daughter of former Vice President Dick Cheney, is now in hot water for having the temerity to criticize Trump for, as she is said, incitement to attack on Capitol Hill. What does he say about a party so insecure and intolerant that it feels obliged to drive out those who speak according to their conscience? The greatest Republicans of the 20th century – Theodore Roosevelt, Dwight Eisenhower and Ronald Reagan – would be disgusted.

Fork in the road

And so, the GOP is at a crossroads. Will it continue to be dominated by pro-Trumpers, or will it give way to Never-Trumpers like Sasse and Cheney?

So, yes, there are reasons to write the Republican Party obituary. But this obituary has already been written, albeit in less existential times than the party seems to be facing now.

For example, some thought the GOP would never recover from 1964, when Lyndon Johnson crushed Barry Goldwater in a massive landslide. What happened four years later? Richard Nixon was elected.

And after Watergate, which resulted in Nixon’s humiliating resignation in 1974, a Democratic electoral wave in the midterm election this fall, and Jimmy Carter’s triumph in 1976, were Republicans surely over? Still wrong. Ronald Reagan and George HW Bush followed in 1980; Republicans would control the White House for the next twelve years.

Now, because of Trump’s defeat, we hear that the GOP is over again. In fact, some critics have said the party is so finished that it is on its way to following the path of the Whigs, the 19th century party that has faded into oblivion due to its bad stance on slavery. (Ironically, the modern GOP was founded by anti-slavery elements who deserted the Whigs in 1854, paving the way for the election of Abraham Lincoln in 1860.)

But to paraphrase Mark Twain, reports of the party’s death can be greatly exaggerated. Trump may be gone, but remove the word “Trump” from “Republican Party” and you may find a GOP in better shape than its naysayers might be willing to admit. Trump clearly lost. But with 74 million votes – 47% of the popular vote – it wasn’t exactly a blast.

Meanwhile, Republicans actually won seats in the House of Representatives. On the Senate side, instead of losing the multi-seat chamber outright as planned, they clung to places like Iowa and Maine and wiped out 50 seats. Democrats had to win both second rounds earlier this month in Georgia to match that. A 50-50 tie means that the Speaker of the Senate, Vice President Kamala Harris, will vote for the tiebreakers. But consider this: With a 50-50 tie, Republicans are able to pick one or two Democrats on certain issues and do whatever they want. Example: Although Senator Joe Manchin is a Democrat, he is also from the coal country of West Virginia and may not necessarily agree with Biden’s energy and climate plans.

Those smaller margins in Congress imply a moderate Biden agenda, much closer to the political center than the Progressive Democrats (which Biden isn’t) would prefer.

And remember this: History also suggests that the White House party generally loses ground in the midterm elections. Democrats had 233 seats at the end of the last Congress; they now have 221 versus 211 for the Republicans. (There are three vacancies at the moment.) That’s an extremely narrow margin, and while I’m not saying it will happen, no one should be surprised if Republicans topple the House in 2022. A possible foreshadowing of it’s the fact that Republicans overturned four seats in the Blue State of California in November, the first time in nearly a quarter of a century that Republicans have captured a Democratic-held congressional district in the Golden State. And they captured four of them.

Making progress in states

This is what Washington will look like over the next two years. And beyond the ring road? For the GOP, there are reasons to be optimistic. Of the 50 states, 27 have Republican governors. In 22 states there is both a Republican governor and a Republican-dominated legislature; for Democrats, this is true in just 15 states. (Power is divided into others.)

The fact that Republicans dominate state legislative bodies more is a big deal, as they will be able to carve out new congressional districts, based on the 2020 census. They will be able to gerrymand neighborhoods as they see fit – which plays in a possible overthrow of the Chamber in 2022.

Again, the question is: will these Republicans be Trumpers or never Trumpers? Don’t assume Trump’s grip on the party is lasting: a recent ABC-Washington Post poll, for example, said 57% of Republicans want their party to follow Trump’s lead. While this is a clear majority, it is down from the 76% who said it three years ago.

Another interesting fact: Trump’s ban by Twitter TWTR,
+ 0.31%
resulted in a 73% drop in social media disinformation about the election, says research firm Zignal Labs. As other Republicans amplified his lies about the election – helping to ignite the henchmen who attacked the Capitol – it could foreshadow a easing of tensions.

The perennial pendulum

Then there’s this: Despite all the current attention to Trump and his toxic, chaotic brand, it’s important to take a step back and realize that the pendulum of American politics generally swings back and forth. Since the 1960s, for example, we have gone from Liberal Johnson to Conservative Nixon (and briefly Gerald Ford) to Liberal Carter to Conservative Reagan (and Elder Bush) to Bill Clinton and George W. Bush. And, more recently, from a liberal Barack Obama to Trump, and now to Biden. Along the way, we have had congresses that have been dominated by both parties at times, but more generally divided. The pendulum swings back and forth.

The White House has now swung left (or center-left), but as I just showed, no one should be shocked if they were to go back in four or eight years.

States are like that too. California, the land of Nixon and Reagan, is now known for Nancy Pelosi and Harris. Texas, which Franklin D. Roosevelt has won four times with an average of 81% of the vote, and was also won by John F. Kennedy, Johnson and Carter, has not turned blue for a president since 1976, but i suspects it will be soon. .

But all that aside, Republicans have another problem: They are swimming against the grain in terms of demographics. They will have to adapt, and quickly.

Consider that Trump’s base is generally older, white, male, rural, and less educated. (I said usually These characteristics, all, work against an increasingly urban, more educated, and less white America – white births are now a minority of all births, for example – than ever before.

The GOP knows it. After Mitt Romney lost the 2012 presidential race to Obama, the Republican National Committee took a deep dive and said if it didn’t position itself ahead of these demographic trends, he would be in trouble in the long run. Trump arrived four years later and ignored it all, overtaking older white and rural males. What happened? He lost the popular vote by three million to Hillary Clinton and seven million to Biden.

What the Republican Party must do

In order for the Republican Party to survive and prosper in the future, it must do three things.

He should stop playing the “older rural white males” card and adapt to the new face of the electorate. He must also flush out the toxic sludge that may have run through his veins. And he must stop the blood feuds against the remaining conscientious individuals.

Can he do these things? As Trump always liked to say, “We’ll see what happens.”


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5 common personal loan myths debunked http://zeleniycoffee.com/5-common-personal-loan-myths-debunked/ http://zeleniycoffee.com/5-common-personal-loan-myths-debunked/#respond Mon, 19 Apr 2021 02:37:40 +0000 http://zeleniycoffee.com/5-common-personal-loan-myths-debunked/

Popular for its simple eligibility criteria, quick disbursement, and unsecured nature, an instant personal loan can help you manage a number of expenses: from debt consolidation to medical emergencies and even home renovations. Plus, with the rapid adoption of technology in the financial industry, getting a loan has become easier than ever.

But despite its many useful features, the personal loan is also the subject of several misconceptions and these can dissuade you from benefiting from it. Instead of being misinformed about this offer or choosing a less viable option when you need the cash, read this report as we debunk five common personal loan myths.

Myth number 1
Application procedures are long and disbursement times long

Many borrowers, especially first-time applicants, find the application and subsequent verification process for a personal loan to be lengthy. However, this cannot be further from the truth. Being of an unsecured nature, instant personal loan does not require extensive verification or assessment, ensuring prompt processing and disbursements within one day to one week of approval.

Myth number 2
Personal loans attract high interest rates

There is a common misconception that a personal loan is an expensive financing option, due to the high interest rates. However, in most cases, lenders assess your repayment capacity and financial situation and offer you an interest rate accordingly. If you have a good credit rating and a high repayment capacity, you can qualify for an instant personal loan at an affordable interest rate. Plus, compared to other forms of unsecured credit, personal loans tend to be cheaper.

With a good credit score of 750 and above, you can get a reasonable rate of interest from Bajaj Finserv. Besides, the lender also offers instant personal loans with full transparency: There are no hidden charges.

Myth number 3
A low credit score makes you ineligible for a personal loan

Since a personal loan is an unsecured offer, your credit score becomes critical for eligibility requirements. While a high score is ideal, a low score does not translate into outright rejection. Some lenders may take into account other factors, such as your salary and your ability to repay, that play an important role in your eligibility. However, remember that a low credit score can attract less favorable terms, including a higher interest rate.

Myth number 4
Personal loans are only offered by banks

Another misconception among borrowers is that personal loans can only be used by banks. The point is that banks are an important part of the credit institutes in the market. But there are several non-bank financial companies (NBFCs) that offer instant personal loans with easy eligibility criteria and attractive terms. Bajaj Finserv is one of the NBFC offering personal loans and the eligible clients can apply for the loan online and get the loan to meet their financial needs without any problem.

Myth number 5

Paying off a personal loan will put a strain on your finances

This is only true if you are planning poorly and you have more debt than your income can support. When planning, you should take into account your household expenses, fixed obligations and existing debts. The IMEs for your personal loan should not upset your monthly budget, nor prevent you from meeting your obligations and repaying existing loans. You can use an online EMI calculator to calculate EMI personal loan and estimate your expenses accurately.

Now that you know the truth about personal loans, you can proceed with the loan without a doubt. For a truly seamless experience, choose a Bajaj Finserv personal loan and get your personal loan application approved within five minutes of meeting all the eligibility criteria.

Benefit from funds at competitive interest rates and repay over a flexible term of up to 60 months. Plus, choose their flexi installation to reduce your EMI by up to 45% *!

Read also: –

Personal loan vs Flexi hybrid loan: which one is right for you?


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Chicago Credit Union launches gender-affirming loan http://zeleniycoffee.com/chicago-credit-union-launches-gender-affirming-loan/ http://zeleniycoffee.com/chicago-credit-union-launches-gender-affirming-loan/#respond Mon, 19 Apr 2021 02:37:38 +0000 http://zeleniycoffee.com/chicago-credit-union-launches-gender-affirming-loan/

The North Side Community Credit Union was founded in 1974 by activist Angela Turley, who was appalled by the redline and the lack of financial services for women.

To $ 9 million Chicago Cooperative, activism remains a strong tradition – it has led to the development of a gender affirmation procedures loan product, which is considered the first of its kind offered by a financial institution in the country. It was created by credit union accountant Lee Dewey, an LGBT activist.

“We were sort of based on activism,” said Sarah Marshall, president / CEO of North Side Community. “We have a board member who is quite active in the LGBT community and did a lot of legal work in the community. We also have another member on our oversight committee who teaches gender studies, so the (general affirmative loan product) was not a problem.

Over the years, the 3,255-member credit union has received numerous awards for its community action, neighborhood development, community partnerships and volunteer services. It has also been featured in local and national articles as an exemplary financial institution that offers short term loans as an alternative to payday lenders.

For North side community, offering a specialized loan product, launched earlier this year, for transgender, queer or questioning people was another way to fulfill its mission of promoting the financial well-being of a diverse community through affordable financial services and to an expansion in the availability of alternative financial resources.

The GAP LP, as they call it in the shop, can be used to fund expenses like medical surgeries, procedures, singing lessons, and a new wardrobe.

But Dewey, who is genderqueer, said the new loan program does more than just provide funding to a specific group of members who are transgender, genderqueer or gender fluent.

“It’s really about tackling financial insecurity and the marginalization of queer and trans people, especially when it comes to people of color and people who are underbanked or unbanked,” he said. “So that’s really what I wanted to address – the financial insecurity that is seen in my community and that is also seen in the communities we serve here.”

To learn more about this new loan product, read the full article in the June 29, 2016 print edition of The Credit Union Times.


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Nip + Fab Glycolic Fix Night Pads Extreme sale Amazon http://zeleniycoffee.com/nip-fab-glycolic-fix-night-pads-extreme-sale-amazon/ http://zeleniycoffee.com/nip-fab-glycolic-fix-night-pads-extreme-sale-amazon/#respond Mon, 19 Apr 2021 02:37:37 +0000 http://zeleniycoffee.com/nip-fab-glycolic-fix-night-pads-extreme-sale-amazon/

These Best Selling Glycolic Acid Pads Will Give You Clearer, Glowing Skin (And They’re Currently Better Than Half the Price on Amazon)

Whether your skin problem is acne, aging, or a dull complexion, products containing glycolic acid – a natural alpha hydroxy derived from foods like sugar cane – can help fight blemishes and minimize the appearance of fine lines and wrinkles.

Enter the glycolic acid buffers. For quick and easy exfoliation, Nip + Fab Glycolic Fix Extreme Overnight Tampons can be easily slipped over your face for instant results.

Better yet, they’re now at 55% on Amazon. And if you’re already a fan, you’ll be happy to hear that the oversized edition that houses 100 blocks was also reduced by 50 percent. One pot of these powerful tampons should last you a long time.

Now at half the price, Nip + Fab Glycolic Fix Extreme Night Pads are a great addition to your bathroom cabinet for clearer, glowing skin.

The pads, which now cost £ 8.52 for 80 or £ 11.50 for 100, are pre-saturated with acids, especially five percent glycolic which helps dissolve oil and sebum on the top layer of your skin.

They also gently exfoliate dead skin cells without the need for an abrasive scrub, helping to fade discoloration, acne scars, pigmentation, and fine lines. Glycolic acid is also a great ingredient for unclogging pores for clearer skin.

With a rating of 4.5 out of 5 stars from over 2,200 reviews, the Nip + Fab Glycolic Fix Extreme Overnight Tampons are currently Amazon’s bestseller in the “Cleaning Wipes & Wipes” category. Buyers claim that tampons are incredibly helpful if you have issues with uneven skin texture.

KEY INGREDIENTS (ACIDS) EXPLANATION

  • Five percent glycolic acid: Gently exfoliates skin and helps reduce facial discoloration eg acne scars, pigmentation.
  • Salicylic acid: Penetrates and unclogs pores helping to fight blackheads and reduce blemishes.
  • Lactic acid: Removes dead cells and toxins from the skin for a smoother, more even surface.
  • Hyaluronic acid: Improves skin hydration and keeps skin soft and plumped.

“I have been using these towels for eight days now,” wrote one shopper in their 5-star review. “I have always had very problematic skin. Spots, open pores, tenderness, rosacea, you name it; I got it. So when I received them I didn’t follow the recommendation of frequency of use, instead I used them every night.

“My skin loves them. I haven’t had a single stain since, and all the ones I did have dried out quickly. My pores are smaller and although I still have clogged pores and a few blackheads, they are easy to remove now. ‘

They continued, “Best of all is how soft, supple and comfortable my skin is. No tightness, itching, burning that I usually get with rosacea. All gone. I use them in addition to the daytime towels in the morning.

Another noted how the pads helped minimize symptoms of chicken skin (aka keratosis pilaris). they wrote, “I actually use these wipes on my arms. I suffer from keratosis pilaris (chicken skin) and have found it to be a game changer!

“Within two weeks I noticed a huge reduction in the bumps and now my arms are almost completely free.”

The few negative reviews on Amazon are mainly related to the sensitivity of the skin. Still, there are less potent versions of the best-selling tampons, including the brand’s original. Glycolic Fix Cleansing Pads (Now £ 10.17) which are better suited for sensitive skin because they contain a lower percentage of glycolic (2.8 percent).

Five percent glycolic acid to gently exfoliate the skin and help reduce facial discoloration

Formulated for sensitive skin types in mind with 2 percent glycolic acid

There are less potent versions of the best selling Nip + Fab Glycolic Fix Extreme Night Pads (right) available on Amazon, which may be better for sensitive skin.

To use the Nip + Fab Glycolic Fix Extreme Overnight Tampons, the brand recommends “to wipe a tampon on the face, neck and décolleté after cleansing” and “to apply SPF protection in the morning”, because exfoliation makes the skin more sensitive to the sun.

Although it is suitable for all skin types, Nip + Fab recommends that you perform a patch test before the first application of the Extreme Night Pads.

The skin is delicate, so you may not necessarily need to exfoliate every day (usually once or twice a week should do the trick), especially if you have sensitive or rosacea-prone skin, because it can irritate you.

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CeraVe Hyaluronic Acid Hydrating Serum Review http://zeleniycoffee.com/cerave-hyaluronic-acid-hydrating-serum-review/ http://zeleniycoffee.com/cerave-hyaluronic-acid-hydrating-serum-review/#respond Mon, 19 Apr 2021 02:37:37 +0000 http://zeleniycoffee.com/cerave-hyaluronic-acid-hydrating-serum-review/

Founded by dermatologists skin care The CeraVe brand is highly regarded for its simple, effective and affordable products. Since arriving on our shores in 2018, the American company has also seen its sales explode thanks to the recommendations of its fans. fans on TikTok, which range from normal consumers to skin specialists.

It’s not hard to see why it’s so successful – we love its cleansers to treat our acne, its moisturizers to fight dry skin, and body creams for hydration after showering.

Most of its products are under £ 15 and there is something for all skin types. While its entire collection is available in the United States, for us Brits there is a much more streamlined range of everyday essentials to buy.

Read more: Is CeraVe Cream Foam Cleanser as effective as its original moisturizing cleanser?

As a result, new launches of CeraVe are rare and often generate enormous anticipation. In 2020, its cream-foam cleanser ended up competing with its best-selling moisturizing cleanser.

And 2021 is also proving to be an exciting time for fans of the no-frills, no-frills skincare brand, as it just unveiled the latest addition to its line: a hydrating serum with hyaluronic acid.

Priced at £ 16.99, the brand calls it the perfect introductory serum for your skincare routine. It contains the brand’s signature ingredients and ceramides, and it’s designed to fight dehydration and help restore and protect the skin barrier.

To see if it keeps its promises, we got our hands on it and put it to the test. We rated it on the texture, absorption rate, how our skin feels, and the changes we noticed after using it.

You can trust our independent reviews. We may earn commissions from some retailers, but we never allow this to influence selections. These revenues help us fund journalism through The independent.

(CeraVe)

What’s inside ?

As the name of the product suggests, it contains hyaluronic acid, a non-exfoliating acid that can hold 1,000 times its weight in water. It is found naturally in the skin, but our production decreases with age. Anyone with any skin type can benefit from adding it to their routine if dehydration is a problem. It works to attract and retain moisture while leaving the skin feeling soft.

The serum’s formula has a lighter texture than most moisturizers, and as a result, it can work just as well on oily skin as it does on dry or sensitive skin.

You will also find ceramides and vitamin B5 in the formula; the first forms a protective layer on the skin to prevent water loss and protect against environmental aggressions. Much like hyaluronic acid, ceramides are produced naturally in the body but decrease with age and due to other factors such as sun damage, and their depletion can lead to dryness and irritation.

Vitamin B5, also known as pantothenic acid, helps your skin retain more water to improve its smoothness and elasticity, often having a plumping effect that can reduce the appearance of fine lines and wrinkles.

Buy now

Does it work?

At first glance, the product is immediately different from any other hyaluronic acid we’ve tried – they’re often colorless, globular liquids in dropper bottles.

This, however, comes in a pump tube that dispenses an opaque white cream that doesn’t look like our regular moisturizer.

Since it’s a serum, it should be applied to cleansed skin before the moisturizer, and we’ve found that just one pump is enough to cover our entire face.

The texture looks like a lightweight gel-cream hybrid, but it’s quick enough to absorb without leaving the skin sticky, too wet, or sticky.

It’s also instantly smoothing – our face felt baby soft for hours after application and that created a great canvas for our foundation.

Read more: This £ 12 cleanser got rid of my acne in two weeks

In a few days, using it morning and evening, we noticed a big difference in texture, especially on our cheeks prone to dryness.

Instead, the area gradually became smoother and plumper, giving a natural, healthy-looking glow that we had long lost due to lockdown.

The results weren’t drastic or life-changing, but CeraVe doesn’t claim it will – the brand calls it an introductory serum, and we couldn’t agree with that more. Evaluation.

It’s super simple to fit into your routine and if there’s anything we’ve learned from containment it’s that when it comes to our skin, less is more. Maybe it’s time to ditch the 10-step routines for something simple like this.

The verdict

It’s a great budget serum that does exactly what it says on the tin. Just like the rest of the CeraVe range, it’s simple but effective, and a daily essential that is now an integral part of our routine.

Not only that, we think it’s great if you have too much exfoliating acids and want something basic and soothing to take their place, to give your skin time to recover from any irritation.

We believe this will be another popular addition to CeraVe’s UK skin care line, and you will no doubt see it soon on TikTok.

Buy now

For more proven beauty products read our review of Charlotte Tilbury’s new brow products

IndyBest product reviews are unbiased, independent advice you can trust. On some occasions we earn income if you click the links and purchase the products, but we never allow this to distort our coverage. Reviews are compiled through a mix of expert opinion and real-world testing.


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American Idol contestant Nikki McKibbin, who finished third in first season, dies at 42 http://zeleniycoffee.com/american-idol-contestant-nikki-mckibbin-who-finished-third-in-first-season-dies-at-42/ http://zeleniycoffee.com/american-idol-contestant-nikki-mckibbin-who-finished-third-in-first-season-dies-at-42/#respond Mon, 19 Apr 2021 02:37:37 +0000 http://zeleniycoffee.com/american-idol-contestant-nikki-mckibbin-who-finished-third-in-first-season-dies-at-42/

ARLINGTON, Texas – Nikki McKibbin, a singer from Texas best known for her third place finish in the first season of American Idol, has passed away. She was 42 years old.

McKibbin’s husband Craig Sadler confirmed her death in a Facebook post, saying she died of a brain aneurysm on Wednesday and was taken out of the intensive care system early Sunday. Her husband did not say where she died.

McKibbin’s son, Tristen Langley, told the New York Times that her mother died in Arlington, Texas.

“She was loved so much that I know thousands of you will mourn with us,” Sadler said. “She loved so many of you and I know you loved her too.”

McKibbin appeared on American Idol in 2002 when the show started and became an instant hit.

At 23 from Grand Prairie, Texas, McKibbin wowed the judges with moving performances of songs by Janis Joplin, Stevie Nicks and a moving cover of Alanna Myles’ song “Black Velvet”.

McKibbin finished third on the show that year, behind Justin Guarini and Kelly Clarkson, who won the competition.

Graceful in defeat, McKibbin tearfully hugged her comrades upon her elimination in 2002.

“What an incredible journey this has been,” McKibbin said before leaving the stage. “Knowing that so many people support me and appreciate what I do means more than anything. “

Equally graceful was Simon Cowell, often with an acid tongue.

“Reality check: out of 10,000 people, you are third. Now is not the time to cry, ”he told McKibbin. “You have a career ahead of you. “

In a statement, American Idol sent its condolences to McKibbin’s family and friends.

“Nikki McKibbin was an incredible talent and we are deeply saddened by the news of her passing,” the TV show said in a statement on Twitter. “She was part of our American Idol family and will be truly missed.”


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Moody’s predicts Pakistani economy to grow 1.5% – Journal http://zeleniycoffee.com/moodys-predicts-pakistani-economy-to-grow-1-5-journal/ http://zeleniycoffee.com/moodys-predicts-pakistani-economy-to-grow-1-5-journal/#respond Mon, 19 Apr 2021 02:37:37 +0000 http://zeleniycoffee.com/moodys-predicts-pakistani-economy-to-grow-1-5-journal/

Salman khan

ISLAMABAD: Moody’s Investor Service on Wednesday forecast Pakistan’s economy to grow 1.5% in the current fiscal year and found Pakistani banks to be stable thanks to government support, but banking sector risks were increasing.

“Economic activity will remain below pre-epidemic levels, although the economy is expected to return to modest 1.5% growth in fiscal 2021,” Moody’s said in its outlook for the sector. Pakistani bank. This is generally in line with the State Bank’s 1.5-2.5% GDP growth forecast for Pakistan compared to the World Bank’s 0.5% GDP growth rate for the current fiscal year. .

The potential for long-term credit growth for Pakistan’s banking system was strong, given Pakistan’s large unbanked population, the agency said. The stable outlook reflects the strength of banks’ funding and liquidity, although a difficult but improving operating environment will weigh on asset quality and profitability.

“Despite a difficult environment, the government’s credit profile is stable due to ongoing reforms and increasing policy effectiveness – a plus for banks as their outsized Pakistani government debt holdings tie their credit profile to that of the government, “said Moody’s senior vice president. Constantin Kypréos.

Outlook for banks is stable, but warns of growing risks

The agency expects the slow economic recovery to affect loan quality, with non-performing loans (NPLs) expected to rise in the coming months from a sector level of 9.9% of gross loans in September 2020. “Foreign operations of banks, export-oriented industries, and businesses dependent on government payments and subsidies will be the hardest hit, but loan repayment holidays and other government support measures should help contain some.” risks, ”he said.

At the same time, bank profitability, which increased significantly in 2020, will be under pressure from lower margins, increased loan loss provisions given the difficult operating environment and a generation moderate business. Still, the Pakistani economy is expected to return to modest growth of 1.5% in fiscal 2021, as government and central bank responses and reforms will partially mitigate the impact of the Covid pandemic. 19.

“Deposit-based financing and good liquidity buffers also remain strengths, while the likelihood of government support in a crisis is high, although its ability to do so is limited by fiscal challenges,” he said. added Kypreos.

The rating agency expects an improvement in the operating conditions of the banking sector, but remains difficult. He noted that restrictions in place to contain the spread of the coronavirus will keep economic activity below pre-outbreak levels. The rating agency said the Pakistani economy would return to modest 1.5% growth in fiscal 2021 after activity resumed at the start of the fiscal year in July. “Policy responses and structural reforms by the government and the central bank will mitigate the impact of the pandemic but will not fully offset it. In this environment, we expect modest growth in loans to the private sector, of 5-7%, over the calendar year ”.

He noted that bank capital was modest but would remain broadly stable: the Tier 1 capital ratio declared at the sector level stood at a comfortable 15.5 pc in September 2020. “If we adjust the ratios in weighting them down to zero percent, however, the ratio is halved to a modest level, ”he said. Capital ratios were to remain broadly stable, as Pakistani banks would remain profitable and reduce their dividend payments – so asset growth was likely to be cautious.

The bank’s profitability had increased significantly in 2020, but would come under some pressure in 2021 as net interest margins tighten after a huge 625 basis point interest rate cut in 2020. will reduce net profits ” , added the forecast.

Moody’s noted that stable deposit funding and abundant liquidity were strengths of the Pakistani banking sector. Customer deposits, which accounted for 70% of total assets in September 2020, are expected to increase by 7% to 9% in 2021, thanks to efforts to deepen financial inclusion and strong inbound remittances. Highly liquid assets comprising cash and bank investments account for around 13% of total bank assets, while an additional 43% of assets are invested in government securities.

The outlook noted that the likelihood of government support to the banking sector in times of crisis was high. “The government remains ready to support ailing banks, but its ability to do so is limited by the budgetary challenges reflected in its B3 rating,” the rating agency concluded.

Posted in Dawn, January 14, 2021


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Facebook relaunches Instagram Lite app and begins test in India – TechCrunch http://zeleniycoffee.com/facebook-relaunches-instagram-lite-app-and-begins-test-in-india-techcrunch/ http://zeleniycoffee.com/facebook-relaunches-instagram-lite-app-and-begins-test-in-india-techcrunch/#respond Mon, 19 Apr 2021 02:37:37 +0000 http://zeleniycoffee.com/facebook-relaunches-instagram-lite-app-and-begins-test-in-india-techcrunch/

Facebook is working to bring back the Instagram Lite app, months after its closure the light version offer all over the world.

The social conglomerate said on Wednesday it was testing the revamped Instagram Lite app in India, where it hopes to “gain valuable insight” on the new offering before “a global rollout” of the app later.

The redesigned Instagram Lite app weighs less than 2MB and delivers a “fast, reliable and responsive” social service experience. The Android app supports Bangla, Gujarati, Hindi, Kannada, Malayalam, Marathi, Punjabi, Tamil, and Telugu, but it is currently missing several essential Instagram features including Reels, Shopping and IGTV.

Facebook quietly discontinued the previous iteration of Instagram Lite earlier this year. In July, Vishal Shah, vice president of products at Instagram, told TechCrunch that the company had identified some problems in the application and was working to resolve them. In September, a new Lite app was spotted in the wild, although Facebook did not recognize it.

Lite apps are especially popular in emerging markets where most users don’t have access to high-end smartphones or fast, cheap mobile internet data. The Facebook Lite app, for example, had around 40 million monthly active users in India last month, while the Messenger Lite app had around 13 million, according to mobile analytics company App Annie, including one. industry manager shared the data with TechCrunch. (Instagram’s app had around 164 million users.)

Shah made the announcement of the Instagram Lite app redesign at the Facebook Fuel for India event on Wednesday, where dozens of Facebook executives, including Mark Zuckerberg and Ajit Mohan, described a number of other agendas. on which they worked for the second largest internet market in the world. .

Instagram also announced the second iteration of “Born on Instagram,” a year-long program it designed for content creators to better understand and harness ways to collaborate with each other and explore monetization opportunities.

“With the Instagram Lite test and the next edition of Born on Instagram, we aim to democratize expression and creativity for more people in India,” Shah said.

At the event, WhatsApp India Director Abhijit Bose said the company is working to launch a sachet-size health insurance offering to users in India this month. In July, WhatsApp revealed that it was work to drive credit, insurance and pension services in India, the largest instant messaging application user market, over the next year and a half.

“WhatsApp has proactively worked on several pilot projects to ensure that every adult has access to the most essential financial services and livelihoods through their mobile device. By the end of this year, we predict that people will be able to purchase affordable health insurance in sachet format through WhatsApp, ”Bose said today. For insurance protection, WhatsApp has partnered with SBI General, and for pensions, with HDFC Pension.

Facebook, which identifies India as its largest market by users, is also working with telecommunications giant Jio Platforms to help tens of millions of small businesses establish an online presence and sell digitally. The American giant, which invested $ 5.7 billion in Jio platforms this year, collaborates to make Jio Platforms e-commerce service JioMart available through WhatsApp. Some new features will arrive on JioMart’s WhatsApp channel in the “days to come,” Facebook and Reliance executives announced today.


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Cuomo says his ‘misinterpreted’ behavior agrees to cooperate with harassment investigation http://zeleniycoffee.com/cuomo-says-his-misinterpreted-behavior-agrees-to-cooperate-with-harassment-investigation/ http://zeleniycoffee.com/cuomo-says-his-misinterpreted-behavior-agrees-to-cooperate-with-harassment-investigation/#respond Mon, 19 Apr 2021 02:37:37 +0000 http://zeleniycoffee.com/cuomo-says-his-misinterpreted-behavior-agrees-to-cooperate-with-harassment-investigation/

ALBANY, NY – New York Gov. Andrew Cuomo first acknowledged Sunday that some of his behavior with women “may be callous or too personal,” and said he would cooperate with a sexual harassment investigation by the State Attorney General.

In a statement released amid growing criticism from his own party, the Democrat claimed he had never touched or proposed anyone inappropriately. But he said he teased people and made jokes about their personal lives in an attempt to be “playful.”

“I now understand that maybe my interactions have been insensitive or too personal and that some of my comments, given my position, have made others feel feelings that I never expected. I admit that some of the things I said were misinterpreted as unwanted flirtation. As far as anyone has felt this, I am so sorry, ”he said.

Cuomo, one of America’s most prominent governors, faces the most serious challenge of his decade in power following allegations he sexually harassed at least two women who worked for him. Democrats in New York and across the country are not rallying to his side, leaving him increasingly isolated from traditional allies.

His partial admission of wrongdoing came after a day of wrangling over who should investigate his behavior at work.

By the end of the day, Cuomo had appeared to agree to demands that Attorney General Letitia James control the investigation.

James said Sunday night she expected to receive a formal reference that would give her office subpoena power and allow her to hire and replace an outside law firm for “a rigorous and independent investigation.”

“This is not a responsibility we take lightly,” said James, a Democrat who has at times been allied with Cuomo but who is independently elected and has emerged as a consensus choice to conduct an investigation.

Calls for an investigation were made after a second former Cuomo administration employee was made public on Saturday with allegations she had been harassed.

Charlotte Bennett, a low-level assistant in the governor’s administration until November, told The New York Times Cuomo asked inappropriate questions about her sex life, including whether she has ever had sex with older men, and made other comments which she interpreted as gauging her interest in an affair.

Her accusation came days after another former aide, Lindsey Boylan, former assistant secretary for economic development and special adviser to the governor, explained the harassment allegations she first made in December. Boylan said Cuomo subjected her to an unwanted kiss and inappropriate comments about her appearance.

Cuomo, 63, said in a brief statement on Saturday that he intends to mentor Bennett, who is 25. He denied Boylan’s allegations.

For several hours on Sunday, James and other party officials rejected two of Cuomo’s proposals for how an investigation might go.

As part of his first plan, announced Saturday night, a retired federal judge chosen by Cuomo, Barbara Jones, would have reviewed his behavior at work. In the second proposal, announced Sunday morning in an effort to appease legislative leaders, Cuomo asked James and state appeals chief justice Janet DiFiore to jointly appoint a lawyer to investigate. on the allegations and publish a public report.

James said neither plan goes far enough.

“I do not accept the governor’s proposal,” she said, demanding a formal dismissal that would give her office more power to subpoena documents and testimony.

Many of the biggest names in New York politics quickly lined up behind James.

The two main leaders of the state legislature, Senate Majority Leader Andrea Stewart-Cousins ​​and Assembly Speaker Carl Heastie, both said they wanted her to deal with investigation. Republican leaders had for days called on James to launch an investigation. Republican state senatorial minority leader Robert Ortt on Sunday called on Cuomo to step down.

The two US senators from New York, Charles Schumer and Kirsten Gillibrand, both said an independent investigation was essential.

“These allegations are serious and deeply worrying. As requested by Attorney General James, the case should be referred to her office so that she can conduct a transparent, independent and thorough investigation with subpoena power, ”said Gillibrand.

Former Fox News and NBC reporter Megyn Kelly, whose sexual harassment allegations against late Fox News president Roger Ailes contributed to her ouster, tweeted Sunday: “Is touching ‘fun’ the legs of his employees and kiss them on the lips against their will? Better men than A Cuomo have been fired for this.

White House press secretary Jen Psaki said: “There should be an independent review into these allegations.” She said it was something President Joe Biden supported “and we think he should move forward as quickly as possible”.

The fury over the sexual harassment allegations comes amid a new round of criticism over Cuomo’s leadership style and the actions his administration has taken to protect his reputation as the country’s first leader in the coronavirus pandemic.

Cuomo had won praise as a strong hand at the helm during last spring’s crisis of growing cases and overflowing mortuaries. His book, “American Crisis: Leadership Lessons from the COVID-19 Pandemic,” was published in October.

But in recent weeks, his administration has been forced to revise its count of Deaths from COVID-19 in nursing homes following criticism that he had underestimated the deaths to blunt accusations that some of his administration’s policies had worsened the situation in the homes.

James fueled some of these criticisms by issuing a report that raised the question of whether the Cuomo administration had underestimated the deaths.

Cuomo has also been criticized after a member of the state assembly went public with a story of a political threat by Cuomo because of comments he made to a newspaper about the governor’s leadership from the coronavirus. Cuomo said his comments were misinterpreted.

Now his support is eroding faster.

“Lindsey Boylan and Charlotte Bennett’s detailed accounts of Governor Cuomo’s sexual harassment are extremely serious and painful to read,” US Representative Alexandria Ocasio-Cortez said on Twitter on Sunday. “There has to be an independent investigation – not led by someone chosen by the governor, but by the attorney general’s office. “

A group of more than a dozen women Democrats in the state assembly said in a statement: “The governor’s proposal to appoint someone who is not independently elected has no subpoena power and no prosecutorial power is inadequate. “


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