Lions 103 CS http://lions103cs.org/ Tue, 20 Sep 2022 22:59:00 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 https://lions103cs.org/wp-content/uploads/2021/05/lions-103-cs-icon-150x150.png Lions 103 CS http://lions103cs.org/ 32 32 East Grand Forks City Council Approves Special Assessments for Federal Funding Project – Grand Forks Herald https://lions103cs.org/east-grand-forks-city-council-approves-special-assessments-for-federal-funding-project-grand-forks-herald/ Tue, 20 Sep 2022 22:59:00 +0000 https://lions103cs.org/east-grand-forks-city-council-approves-special-assessments-for-federal-funding-project-grand-forks-herald/

EAST GRAND FORKS — Members of East Grand Forks City Council have authorized Widseth to prepare a feasibility report for one of three 2023 federal funding projects that will undergo special assessment.

The three projects council members have agreed to pursue for the 2023 Federal Funding Project include: Fifth Avenue Northeast from 20th Street Northeast to 15th Street Northeast, Fifth Avenue Northeast from Highway 2 at 10th Street Northeast and on high priority areas along DeMers Avenue from Central Avenue to 10th Street.

During last week’s business session, council members discussed whether all three projects should be subject to a special assessment or whether only the work on Fifth Avenue Northeast, from 20th Street Northeast to 15th Street Northeast, were to be assessed. The total construction cost for this proposed project is estimated at $718,997.50 with a 30% estimated project cost of $215,699.25 for owners.

City Engineer Steve Emery offered council members the opportunity to assess 30% of the total project costs for work on the other two projects at Tuesday’s council meeting in case council members want to assess as well. these projects. In the end, board members only approved special assessments for the first proposed project.

For the work on Fifth Avenue Northeast, from Highway 2 to 10th Street Northeast, the total project cost is estimated at $352,817.40. Work in high priority areas along DeMers Avenue is estimated at $177,385.

The next steps to proceed with the evaluation of the first proposed project will be for Widseth to prepare a feasibility report and file this report with the council; hold an improvement hearing; authorize the preparation of plans and specifications as well as the setting of a submission date; examine the offers received with the council; and hold a final assessment hearing.

In other news Tuesday, council members:

Approved plans and specifications and authorized the announcement of tenders for pedestrian improvements to Bygland Road and 13th Street Southeast.

Award to Opp Construction, the lowest bidder of the two bids received, for paving and surfacing work on Sixth Street Northwest for an amount of $26,800. RJ Zavoral & Sons was the other high bidder at $27,430. The project will be paid for from the city’s street reconstruction budget.

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Colony Bankcorp, Inc. (NASDAQ:CBAN) Brief Interest Update https://lions103cs.org/colony-bankcorp-inc-nasdaqcban-brief-interest-update-2/ Tue, 20 Sep 2022 14:37:09 +0000 https://lions103cs.org/colony-bankcorp-inc-nasdaqcban-brief-interest-update-2/

Colony Bankcorp, Inc. (NASDAQ: CBAN – Get a rating) was the target of a significant fall in short rates during the month of August. As of August 31, there was short interest totaling 243,000 shares, down 8.5% from the total of 265,500 shares as of August 15. Based on an average trading volume of 99,100 shares, the short interest ratio is currently 2.5 days.

Insider buying and selling

In related news, EVP Mr. Edward Jr. Hoyle acquired 2,000 shares of the company in a transaction that took place on Tuesday, July 26. The shares were acquired at an average cost of $14.15 per share, with a total value of $28,300.00. Following the completion of the purchase, the executive vice president now directly owns 22,837 shares of the company, valued at $323,143.55. The purchase was disclosed in a filing with the Securities & Exchange Commission, accessible via this link. Insiders have purchased a total of 3,470 shares of the company worth $49,204 over the past three months. 7.69% of the shares are currently held by insiders of the company.

Colony Bankcorp Institutional Trading

A number of hedge funds and other institutional investors have recently changed their positions in the company. Polaris Capital Management LLC increased its position in Colony Bankcorp by 675.7% in the second quarter. Polaris Capital Management LLC now owns 3,599,658 shares of the financial services provider valued at $62,202,000 after purchasing an additional 3,135,608 shares last quarter. FJ Capital Management LLC bought a new position in Colony Bankcorp in the first quarter worth approximately $7,525,000. Wellington Management Group LLP acquired a new stock position in Colony Bankcorp during Q1 worth approximately $6,442,000. RMB Capital Management LLC acquired a new equity stake in Colony Bankcorp in Q2 valued at approximately $4,775,000. Finally, Petiole USA ltd bought a new position in shares of Colony Bankcorp in the first quarter at a value of $4,645,000. 73.05% of the shares are currently held by institutional investors and hedge funds.

Analysts set new price targets

Separately, DA Davidson downgraded shares of Colony Bankcorp from a “buy” rating to a “neutral” rating and reduced its target price for the stock from $18.00 to $16.75 in a Wednesday report. August 3.

Colony Bankcorp Stock up 2.4%

Shares of NASDAQ CBAN traded up $0.33 during Tuesday’s midday session, hitting $14.26. 93,151 shares of the company have been traded, against an average volume of 42,210. The company has a current ratio of 0.66, a quick ratio of 0.64 and a debt ratio of 0.55. The company has a fifty-day simple moving average of $14.39 and a 200-day simple moving average of $16.05. Colony Bankcorp has a 12-month low of $13.56 and a 12-month high of $19.59. The company has a market capitalization of $251.69 million, a price-earnings ratio of 11.14 and a beta of 0.51.

Colony Bankcorp (NASDAQ:CBAN – Get a rating) last announced its quarterly results on Thursday, July 21. The financial services provider reported earnings per share of $0.30 for the quarter, missing analyst consensus estimates of $0.42 per ($0.12). Colony Bankcorp had a net margin of 15.39% and a return on equity of 10.34%. The company posted revenue of $29.22 million in the quarter, versus a consensus estimate of $32.46 million. As a group, stock analysts expect Colony Bankcorp to post EPS of 1.38 for the current fiscal year.

Colony Bankcorp Dividend Announcement

The company also recently declared a quarterly dividend, which was paid on Saturday, August 20. Shareholders of record on Saturday August 6 received a dividend of $0.108 per share. This represents a dividend of $0.43 on an annualized basis and a yield of 3.03%. The ex-dividend date was Thursday August 4th. Colony Bankcorp’s dividend payout ratio (DPR) is currently 33.59%.

About Colony Bankcorp

(Get a rating)

Colony Bankcorp, Inc operates as a bank holding company for Colony Bank which provides various banking products and services to commercial and consumer customers. The Company offers various deposit products, including demand, savings and term deposits. It also provides loans to small and medium enterprises; loans for residential and commercial construction and land development; commercial real estate loans; business loans; agribusiness and production loans; residential mortgages; home equity loans; and consumer loans.

Read more

This instant news alert was powered by MarketBeat’s narrative science technology and financial data to provide readers with the fastest and most accurate reports. This story was reviewed by MarketBeat’s editorial team prior to publication. Please send questions or comments about this story to contact@marketbeat.com.

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Apply for 20 vacancies for Program Officer, Accounting Officer and Media Expert in Directorate of Agriculture https://lions103cs.org/apply-for-20-vacancies-for-program-officer-accounting-officer-and-media-expert-in-directorate-of-agriculture/ Tue, 20 Sep 2022 07:28:08 +0000 https://lions103cs.org/apply-for-20-vacancies-for-program-officer-accounting-officer-and-media-expert-in-directorate-of-agriculture/

Applications are invited for various administrative positions in the Assam Directorate of Agriculture.

The Assam Directorate of Agriculture is inviting applications from eligible candidates for the positions of Program Officer, Accounts Officer and Media Expert on a contractual basis.

Job name: Program Officer

Number of positions: 9

Qualification and Experience: M.Sc (Agriculture) from a recognized institute with at least 3 (three) years of relevant experience.

Salary: Rs. 50000/- per month

Age limit: The age of the candidates must not be more than 40 years old and less than 21 years old on the 1st January 2021

Also Read: Assam Career: Office of District Judge and Sessions Bajali Recruitment 2022

Selection procedure: A walk-in interview will take place on the 27the September 2022 from 10:30 a.m. to 4:00 p.m. at Krishi Niwas, Agriculture Campus, Khanapara, Guwahati-22

Job name: Business Manager

Number of positions: 4

Qualification and Experience: Masters degree in Commerce from a recognized institute with at least 3 (three) years of relevant experience.

Salary: Rs. 35000/- per month

Age limit: The age of the candidates must not be more than 40 years old and less than 21 years old on the 1st January 2021

Selection procedure: A walk-in interview will take place on the 28e September 2022 from 10:30 a.m. to 4:00 p.m. at Krishi Niwas, Agriculture Campus, Khanapara, Guwahati-22

Job Name: Media Expert

Number of positions: 7

Qualification and experience: Post-graduate degree in mass communication from a recognized institute with at least 3 (three) years of relevant experience.

Salary: Rs. 24000/- per month

Age limit: The age of the candidates must not be more than 40 years old and less than 21 years old on the 1st January 2021

Also Read: Assam Career: Applying for a Field Officer Position at DDMA Nagaon

Selection procedure: A walk-in interview will take place on the 29the September 2022 from 10:30 a.m. to 4:00 p.m. at Krishi Niwas, Agriculture Campus, Khanapara, Guwahati-22

How to register : Applicants may come to the interview with an application in accordance with the standard form under Assam Gazette (Part-IX) together with original certificates/documents evidencing qualification, experience, age, proof of identity, last salary certificate, two numbers. a recent color passport photograph, etc., as well as a set of self-attested copies of the same

Detailed announcement: Click here

Also Read: Assam Career: Apply for Technical Assistant, Driver and Peon Vacancies in Office of District and Sessions Judge Jorhat

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SCF’s annual Chance 2 camp held despite post-pandemic delay – PortageOnline.com https://lions103cs.org/scfs-annual-chance-2-camp-held-despite-post-pandemic-delay-portageonline-com/ Mon, 19 Sep 2022 15:16:48 +0000 https://lions103cs.org/scfs-annual-chance-2-camp-held-despite-post-pandemic-delay-portageonline-com/

Annual CFS Chance 2 camp held despite post-pandemic delay

The annual Chance 2 Camp Barbecue fundraiser for Portage la Prairie Children and Family Services is another event that has been postponed for two years by the pandemic. They held it last Thursday. It’s to help families send their kids to summer camps who need that extra money. It usually takes place in June, but they assured it won’t be missed.

Child and Family Services representative Rod Sveistrup says this is one of their main efforts to help young people each year.

“I think we’re happy it’s a start to get things back on track. The turnout has been good enough for us to make some money, and next year we’re going to ramp it up again and hopefully -the, people remember us for next year.”

He notes that the children have many activities and, depending on the camp, new skills are learned, including crafts and canoeing.

“One of the best things is that they get to meet new people and new friends,” Sveistrup continues. “They are always looking forward to doing it again the following year. There are between five and ten provincially accredited camps. We only use accredited camps. The family will decide, based on the years they have gone, what camp where they want to go. Then we pay for the camp.

Sveistrup says they are shooting for June next year to be back on track with the usual date.

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Decra Funding Success for VC Fellows https://lions103cs.org/decra-funding-success-for-vc-fellows/ Mon, 19 Sep 2022 05:56:17 +0000 https://lions103cs.org/decra-funding-success-for-vc-fellows/

“We still don’t know how the brain recognizes and categorizes objects. This project capitalizes on cutting-edge advances in artificial intelligence and neuroscience to resolve the spatiotemporal dynamics of object processing in the human brain,” said Dr Grootswagers.

“Digital technologies are being harnessed for their potential to improve health and well-being. How digital health interventions provide support across national borders in the ‘real world’ and lives of young people are key questions in the realization of global health,” said Dr Hanckel.

The Australian government has this year awarded $85 million for projects under the Discovery Early Career Researger Award (Decra). The scheme allows researchers in the early stages of their career to develop and apply their research skills on projects that benefit Australians and help them progress through a career in research.

ENDS

September 19, 2022

Media Unit

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Eagle Bancorp, Inc. (NASDAQ:EGBN) Brief Interest Update https://lions103cs.org/eagle-bancorp-inc-nasdaqegbn-brief-interest-update/ Sun, 18 Sep 2022 22:55:34 +0000 https://lions103cs.org/eagle-bancorp-inc-nasdaqegbn-brief-interest-update/

Eagle Bancorp, Inc. (NASDAQ: EGBN – Get a rating) benefited from a significant drop in short-term interest rates in August. As of August 31, there was short interest totaling 763,600 shares, down 15.1% from the total of 899,500 shares as of August 15. Approximately 2.4% of the company’s shares are sold short. Based on an average daily volume of 171,600 shares, the day-to-cover ratio is currently 4.4 days.

Institutional entries and exits

Major investors have recently changed their stake in the company. Teacher Retirement System of Texas increased its stake in Eagle Bancorp by 18.4% in Q4. Teacher Retirement System of Texas now owns 6,087 shares of the financial services provider valued at $355,000 after buying 946 additional shares in the last quarter. Citigroup Inc. increased its holdings of Eagle Bancorp shares by 38.5% during the fourth quarter. Citigroup Inc. now owns 26,506 shares of the financial services provider worth $1,547,000 after purchasing an additional 7,369 shares during the period. Qube Research & Technologies Ltd bought a new stake in shares of Eagle Bancorp in the fourth quarter worth $1,521,000. JPMorgan Chase & Co. raised its position in Eagle Bancorp by 60.6% in the fourth quarter. JPMorgan Chase & Co. now owns 158,591 shares of the financial services provider worth $9,252,000 after buying an additional 59,870 shares in the last quarter. Finally, Charles Schwab Investment Management Inc. increased its stake in Eagle Bancorp by 1.4% during the 4th quarter. Charles Schwab Investment Management Inc. now owns 280,614 shares of the financial services provider worth $16,372,000 after buying 3,917 additional shares during the period. 73.95% of the shares are currently held by institutional investors.

A Wall Street analyst gives his opinion

Separately, StockNews.com upgraded Eagle Bancorp from a “sell” rating to a “hold” rating in a Friday, September 9 research note.

Eagle Bancorp Price Performance

Eagle Bancorp shares were down $0.17 on Friday, hitting $46.79. 337,702 shares were traded, against an average volume of 115,077. The company’s 50-day moving average is $48.18 and its 200-day moving average is $50.70. The company has a market capitalization of $1.50 billion, a PE ratio of 9.63 and a beta of 0.92. The company has a debt ratio of 0.06, a quick ratio of 0.79 and a current ratio of 0.79. Eagle Bancorp has a one-year low of $44.85 and a one-year high of $63.84.

Eagle Bancorp (NASDAQ:EGBN – Get a rating) last reported quarterly earnings data on Wednesday, July 20. The financial services provider reported earnings per share of $0.78 for the quarter, missing the consensus estimate of $1.15 per ($0.37). Eagle Bancorp had a return on equity of 13.01% and a net margin of 39.92%. The company posted revenue of $88.48 million for the quarter, versus a consensus estimate of $91.00 million. In the same quarter of the previous year, the company had earned earnings per share of $1.50. As a group, analysts expect Eagle Bancorp to post 4.97 EPS for the current fiscal year.

About Eagle Bancorp

(Get a rating)

Eagle Bancorp, Inc operates as a bank holding company for EagleBank which provides commercial and consumer banking services primarily in the United States. The Company also offers various commercial and consumer lending products including commercial loans for working capital, equipment purchase, home equity lines of credit and government contract financing; asset-based lending and accounts receivable financing; construction loans and commercial real estate; commercial equipment financing; consumer home equity lines of credit, personal lines of credit and term loans; consumer installment loans, such as car and personal loans; personal credit cards; and residential mortgages.

Featured articles

This instant news alert was powered by MarketBeat’s narrative science technology and financial data to provide readers with the fastest and most accurate reports. This story was reviewed by MarketBeat’s editorial team prior to publication. Please send questions or comments about this story to contact@marketbeat.com.

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MarketBeat tracks Wall Street’s top-rated, top-performing research analysts daily and the stocks they recommend to their clients. MarketBeat has identified the five stocks that top analysts are quietly whispering to their clients to buy now before the market takes off…and Eagle Bancorp was not on the list.

While Eagle Bancorp currently has a “Hold” rating among analysts, top-rated analysts believe these five stocks are better buys.

See the five actions here

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CONCERT PREVIEW: The West Stockbridge Historical Society presents the Rick McLaughlin Trio with Sheryl Bailey and Yoron Israel https://lions103cs.org/concert-preview-the-west-stockbridge-historical-society-presents-the-rick-mclaughlin-trio-with-sheryl-bailey-and-yoron-israel/ Sun, 18 Sep 2022 15:03:06 +0000 https://lions103cs.org/concert-preview-the-west-stockbridge-historical-society-presents-the-rick-mclaughlin-trio-with-sheryl-bailey-and-yoron-israel/

Bassist Rick McLaughlin appears at the Old Town Hall in West Stockbridge on Saturday September 24 alongside guitarist Sheryl Bailey and drummer Yoron Israel. Image courtesy of Rick McLaughlin.

Stockbridge West — In case you haven’t noticed, Berklee College of Music in Boston is a hotbed of monstrously skilled jazz musicians. (For jazz studies, Jazzfuel.com ranks only two music schools above Berklee: Juilliard and New England Conservatory.) And people who have taught or studied at Berklee continue to show up in the Berkshires. Yoko Miwa, for example. Also Daryl Lowery, Kirill Gerstein, Max Levinson, George Russell, Richard Boulanger and Jonathan Bass (not to mention saxophone phenom Grace Kelly).

Guitarist and Berklee teacher Sheryl Bailey. Photo by Alison Hasbach.

And the latest is the Rick McLaughlin Trio, made up of bassist Rick McLaughlin, guitarist Sheryl Bailey and drummer Yoron Israel. The Three Berklee Professors will close the West Stockbridge Historical Society’s 2022 Jazz Concert Series at Old Town Hall on Saturday, September 24 at 8 p.m. (concert begins at 8 p.m., following a pre-concert talk at 7 p.m. h 15)

Rick McLaughlin is not only a bassist and associate professor at Berklee (formerly assistant director of the jazz department at the New England Conservatory of Music), but also a composer. His take on what it means to be a musician owes much to Boston music legend Gunther Schuller:

“One concept that I really believe in comes from Gunther Schuller, and that’s the concept of the complete musician. The complete musician is a powerful performer who can hear very deeply the music being created and, by thinking both analytically and historically, can understand the larger context of it.

“If you add to that the ability to compose and arrange music, to give concerts, to tour, to record and, of course, to teach, then the complete musician becomes someone who has a holistic vision. music. I think it’s invaluable to students as it helps them get out of the classroom and onto the stage. »

Guitarist Sheryl Bailey has been recording her own music for 27 years. During this period, she released nine records and one live DVD, “The Sheryl Bailey 3 Live in NYC” (Mel Bay). Yes, she has her own trio, what she calls “a modernized take on the organ trio” and what JazzInside Magazine calls “the ultimate organ trio.” Critics rave about her chops: “A sizzling guitar goddess,” joked Elliot Simon of “All About Jazz.” The Villager’s Lee Metcalf wrote that Bailey can “go from zero to blazing in two strokes…balancing superior technical skill with strong lyrical flair and a swinging touch.” Joe Taylor of Soundstage wrote, “Bailey combines stunning mastery of the key with a seemingly endless stream of melodic invention.”

Yoron Israel, drummer and Berklee teacher. Image courtesy of Yoron Israel.

In Bailey’s Free Guitar Lessons, you can see why Berklee hired her. In addition to being a great player, she is very easy to listen to and understand. Listen to her play the guitar here.

Drummer Yoron Israel is president and professor of percussion at Berklee College of Music. He is also pastor of music and arts at Destiny Life Center International in Randolph, Mass. He has led a number of groups and teaches workshops internationally. He is also working on his doctorate. In his spare time, Yoron plays drums in all kinds of places for all kinds of people, from Shanghai to Havana, from Sonny Rollins to Tony Bennett. In the Boston area, this has included Laszlo Gardony, The Makanda Project and Gabrielle Goodman. In addition to his own recording projects, Israel has performed as accompanist on over 300 recordings. His latest recording, “New Dreams”, features his band Trio Plus. His Boston-based quartet is called High Standards.

Catch the Rick McLaughlin Trio at the Old Town Hall in West Stockbridge on Saturday, September 24 at 8 p.m. (talk at 7:15 p.m.).

Order your tickets here.

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Minot State hosts first Girl Power Space Camp | News, Sports, Jobs https://lions103cs.org/minot-state-hosts-first-girl-power-space-camp-news-sports-jobs/ Sat, 17 Sep 2022 05:46:28 +0000 https://lions103cs.org/minot-state-hosts-first-girl-power-space-camp-news-sports-jobs/

Photo submitted Sunnyside Elementary students attended Girl Power Space Camp in July in Minot State.

MINOT — According to information provided by Minot State University, Sara Medalen, a reading and math interventionist at Sunnyside Elementary, put all of her hard work into the first Girl Power camp for one purpose: to plant a seed in her students that would change the trajectory of their life into a better one, where they see the pursuit of higher education as a long-term goal.

“I also wanted to do this to increase awareness and participation of girls who are typically underrepresented in STEM, and then also to improve students’ outlook and confidence around academic and career aspirations; for them to think, “I could go to Minot State one day if that’s what my dream is”, she says.

Together with Minot State, Medalen launched the first nightly Girl Power event for 20 Sunnyside girls, where they stayed at Minot State and enjoyed space camp activities that encouraged critical thinking and teamwork.

Medalen has taught at Sunnyside for 18 years and believes that we cannot educate children properly if their emotional needs are not met and secured.

In this vein, Medalen helps with different educational initiatives and programs at Minot.

She runs Books & Braids before school hours, a makeshift girls’ hair salon in her classroom that offers extra reading practice. She is a mentor for Companions for Children, a program that engages local youth in community activities. Additionally, she was part of BIO Girls, a physical education-focused program whose mission is to improve girls’ self-esteem through self-empowerment and service to others.

Due to earning the 2020 North Dakota Teacher of the Year award, Medalen traveled to Huntsville, Alabama for a week-long program that revolved around lesson plans inspired by the NASA for Educators, all of which correlate with National Science Education Standards.

“When I finished that experience, I wanted to come back and do a science, technology, engineering, and math camp or a space camp for the kids here, and that was awesome because I had tons of resources at my disposal, ” she says. “The idea behind the simulations the kids did was to get them excited to learn. You don’t always see their enthusiasm in school.

Girl Power originated as an after-school club in Sunnyside where Medalen worked with her students in a project-based learning environment to come up with fundraising ideas, such as selling T-shirts to raise money. funds for less fortunate school children. They managed to raise over $10,000 in tuition for girls in Haiti.

Minot State hosted Girl Power on July 7 and 8 at the wellness center. The camp included group activities such as a shielded egg drop, mock rover landing, rocket assembly, and rocket launch. Participants also had a limited token budget to simulate the challenges of resource scarcity and availability.

“We were able to correlate camp activities with actual space activities, so the kids understood that what they were doing here was what it was like when NASA was actually preparing to go to Mars or the moon, for example. example”, said Medaille. “They also had team building activities beyond space simulation, like rock climbing and yoga.

“Most of the kids undoubtedly said their favorite part was staying in the dorm and eating in the dining room. Like I said, my goal was to plant a seed, to give them the opportunity to see what college is like.

Medalen and Minot State teachers plan to expand and improve future Girl Power camps.

“Minot’s condition was incredible. Dr. Lisa Borden-King (director of the reading clinic) and her students, who volunteered as instructors, made sure everything went smoothly,” said Medaille. “For next year we have a whole page of notes on things we want to do to improve the camp, but they were just logistics.”

The camp was made possible after Medalen applied for and received grants from North Dakota United, Souris River Telephone, Power of the Purse, and Minot Area Community Foundation.

“Many Sunnyside students live in poverty. These grants allowed them to attend the program and stay on campus for free,” she says. “So I’m very grateful for the generosity of our community, for them seeing the need for something like Girl Power in Minot.”



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Top big housing projects that aren’t going anywhere; litigation, financing of major issues https://lions103cs.org/top-big-housing-projects-that-arent-going-anywhere-litigation-financing-of-major-issues/ Fri, 16 Sep 2022 15:16:00 +0000 https://lions103cs.org/top-big-housing-projects-that-arent-going-anywhere-litigation-financing-of-major-issues/

According to Anarock Property Consultants, nearly 500,000 homes, worth Rs 4.48 trillion, were stuck in seven metropolitan markets across the country as of the end of May.

Topics
real estate projects | financing | Delhi-NCR


Ten major housing projects, all in major cities, are stalled for reasons such as bankruptcy or developer litigation, with the National Capital Region and the Mumbai Metropolitan Region together accounting for 77% of them.


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First published: Friday, September 16, 2022. 8:46 p.m. IST

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Instant gratification is catching up with US consumers | North West https://lions103cs.org/instant-gratification-is-catching-up-with-us-consumers-north-west/ Fri, 16 Sep 2022 07:00:00 +0000 https://lions103cs.org/instant-gratification-is-catching-up-with-us-consumers-north-west/

NEW YORK — Americans have become fond of “buy now, pay later” services, but the “pay later” part is becoming increasingly difficult for some borrowers.

Buy now, pay later loans allow users to pay for items such as new sneakers, electronics, or luxury goods in installments. Companies such as Affirm, Afterpay, Klarna, and PayPal have created popular financial products around these short-term loans, especially for young borrowers who fear endless credit card debt.

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