Trust Bank Limited (The Gambia) ( 2019 Abridged Report

first_imgTrust Bank Limited (The Gambia) ( listed on the Ghana Stock Exchange under the Banking sector has released it’s 2019 abridged results.For more information about Trust Bank Limited (The Gambia) ( reports, abridged reports, interim earnings results and earnings presentations, visit the Trust Bank Limited (The Gambia) ( company page on AfricanFinancials.Document: Trust Bank Limited (The Gambia) (  2019 abridged results.Company ProfileTrust Bank (Gambia) Limited is a private commercial bank in the Gambia offering banking products and services to the retail and business sectors. The company is also known as Trust Bank Limited (TBL) or Trust Bank (Gambia). It was founded in 1997 by private investors and, at its inception, acquired the assets and liabilities of the defunct Meridian Biao (Gambia) Bank. Today, Trust Bank (Gambia) is one of the largest commercial banks in the Gambia in both asset size and by branch network; it has over 1 000 shareholders with the largest shareholder being the Social Security and Housing Finance Corporation (SSHFC) of the Gambia and DataBank of Ghana. Trust Bank Limited (The Gambia) is listed on the Ghana Stock Exchangelast_img read more

Cheap UK shares: easyJet, IAG, Carnival, and TUI are gaining ground fast. Should I buy them now?

first_img Our 6 ‘Best Buys Now’ Shares I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Manika Premsingh owns shares of easyJet. The Motley Fool UK has recommended Carnival and InterContinental Hotels Group. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. As I write, some of the stocks most battered by the stock market crash are gaining ground. These include the likes of easyJet, IAG, CCL, TUI, and the InterContinental Hotels Group. This isn’t a coincidence. I think there are two reasons these cheap UK shares are rising. One, economic recovery is on the cards. Two, their share prices had seen some of the sharpest plunges in the market crash, so some improvement was to be expected. In the past month alone, many of these stocks have shown increases even though the FTSE 100 index has been flat. But I think the question still remains: Should I buy them now or is it still too risky to invest in them? I would divide them into three categories, based on descending order of risk before deciding. 5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…Lower risk cheap UK shares: HospitalityI think FTSE 100 hospitality stocks like the InterContinental Hotels Group and Whitbread are the best placed to participate in the recovery. Indeed, they already are. Their share prices have seen the sharpest recoveries from the lowest FTSE 100 level seen on 23 March compared to other Covid-19 sensitive stocks. Despite this, some analysts expect more upside to the stocks over the next 12 months as well, especially Whitbread. I’d consider buying this cheap UK share today.Medium risk: AviationThe going is less good for aviation stocks like easyJet and the International Consolidated Airlines Group. Both of them have also gained ground since last month but comparatively less. They are still quite sensitive to incoming news. Fresh quarantines, travel avoidance, and still muted economic activity continue to impact their share price performance. However, they are still better placed than during the lockdown. I would keep an eye out for their updates for signs of improvement in health. I think these cheap UK shares have the potential to improve share price performance over time, even if there’s some risk to investing in them.Higher risk: Leisure travelBut the highest risk, in my view, is reserved for leisure travel operators like Carnival and TUI. Their share price performance has been erratic and largely weak, given the uncertain situation. Even with the economic recovery in place, the fact is that cruises come under the head of discretionary spending. When consumer confidence is relatively low, like at present, people are less likely to splurge. Also, travel is still a bit risky and leisure travel may seem particularly unnecessary. Further, if the recession makes a comeback, these companies will be hit even more. It could happen that the situation improves sharply from here, and the UK economy does not look back, but the probability of that happening is limited. So, if these cheap UK shares are tempting, think through your risk appetite. Which cheap UK shares to buy?I’d buy cheap UK shares only if I had a large appetite for risk, in which case I’d consider hospitality first. Or, even better, I’d buy safe stocks. Manika Premsingh | Wednesday, 26th August, 2020 Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Image source: Getty Images Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee.center_img I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement. Cheap UK shares: easyJet, IAG, Carnival, and TUI are gaining ground fast. Should I buy them now? “This Stock Could Be Like Buying Amazon in 1997” Simply click below to discover how you can take advantage of this. See all posts by Manika Premsingh Enter Your Email Addresslast_img read more

Timisoara Saracens fined and penalised after snow caused Northampton Saints match in Romania to be called off

first_imgFriday Dec 21, 2018 Timisoara Saracens fined and penalised after snow caused Northampton Saints match in Romania to be called off Northampton Saints’ away match against Timisoara Saracens in round 4 of the Challenge Cup was cancelled last weekend due to severe weather that made playing conditions virtually impossible. Today, the hosts faced a misconduct complaint.ADVERTISEMENTAn independent Disciplinary Committee consisting of Professor Lorne Crerar (Scotland), Chair, Philippe Cavalieros (France) and Val Toma (Romania), found that Timisoara Saracens had not taken all appropriate measures to prepare and protect the playing surface at the Dan Paltinisanu Stadium and that the club had breached the Tournament Rules of the 2018/19 Challenge Cup Participation Agreement.The Committee determined that Timisoara Saracens’ preparation of the playing surface was deficient in that pitch covers were not in place, the undersoil heating system was not ready in good time and that no suitable alternative venue for the match was available.The Committee also found that there were no exceptional circumstances and it decided to award five match points to Northampton Saints on the basis of a four-try bonus point result of 28-0 and imposed a fine of €30,000 on Timisoara Saracens.Both Timisoara Saracens and EPCR have the right to appeal the decision.As can be seen here, it was all clear on the evening before the match. Then the snow started.And for anyone who was a bit sceptical about them calling off the contest, this says it allThe result leaves Saints in second place of Pool A, while Timisoara Saracens are bottom of the table with zero points from four matches.The next round of play sees them travel to take on the Dragons on Friday 11 January, while Saints have a tough away match at Clermont on Saturday 12 January. saintstv/@SaintsRugby Posted By: rugbydump Share Send Thanks Sorry there has been an error See it to Believe it Related Articles 25 WEEKS AGO WATCH: Experts explain what actually happens… 26 WEEKS AGO WATCH: Leigh Halfpenny makes yet another… 26 WEEKS AGO Parisse alley-oop magic sets up brilliant… From the WebThis Video Will Soon Be Banned. Watch Before It’s DeletedSecrets RevealedYou Won’t Believe What the World’s Most Beautiful Girl Looks Like TodayNueeyUrologists Stunned: Forget the Blue Pill, This “Fixes” Your EDSmart Life ReportsDoctors Stunned: She Removes Her Wrinkles With This Inexpensive TipSmart Life ReportsIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier Living30+ Everyday Items With A Secret Hidden PurposeNueeyThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancellast_img read more

Eagleton Weekend Home / VSDP

first_img Year:  Save this picture!© Anand JajuText description provided by the architects. One of the site characteristics which we wanted to alter was the ground plane of the site with respect to the elevation of the fairway abutting it since there was a difference of almost 2m in height between the respective ground levels. Hence, we decided to elevate the site by 2 m in order to be confronted with the infinite expanse of green when one enters the plot from the street. The 2m height would be partially utilised by some service areas connected to the house. The design concept was derived after imagining a set of scenarios that would take place in the house at different times along with the potential the site offered wherein the 30 m side flanked by the fairway would be tested by the geometric intent.The scenarios allowed us to approach the notion of program differently just as much as the objective of spending a weekend at the house.Save this picture!© Anand JajuA radical decision was taken at the concept stage to not have any openings towards the street and do exactly the opposite towards the fairway. This decision hinted at the emergence of a form that was ‘sculptural’ and ‘unified’. The objective of taking this decision was to reduce the noise from the street and offer privacy whilst allowing a varied use of the spaces facing the fairway. The 2m elevated plot would be approached by a vehicular ramp from the street in such a manner that when the car is parked in front of the main entry to the house, the fairway becomes a canvas in front. The concept now urged for the structural principle to be integrated which would further allow the emergence of the form and its’ envelope.Save this picture!© Anand JajuThe sectional property of the design was such that the first floor was partly offset from the footprint of the ground floor so as to create a roof for the deck which stretched across the entire length of the floor and allowed access from the living room, dining and a bedroom as a single space.The first floor then branched to two levels where a bedroom and library were respectively located. The library was placed 1.5 m higher than the first floor.Save this picture!© Anand JajuThe main extent of the first floor had two bedrooms and a family area,all offering unhindered views of the fairway. The roof profile of the first floor sloped along the length of the house and it introduced some very interesting variations of spatial volumes to intensify the stillness of the fairway and the notion of movement in the geometry. The aspect of minimalism is spelt across the entire house as a result of the combination of the colour, geometry and materials.Save this picture!PlanThe blank wall and the projection of the staircase entity constitute the facade towards the road and underlines the qualities of minimalism and exemplifying the characteristics of a sculptural mass that hovers over the parking area i.e. main entry. The interior unfolds the various spaces in a cinematic manner where the structure, envelope and material all seem as one without attempting to supersede one another. The cinematic sequence is homogenous in its’ structure and heterogeneous in perspective. The walls are finished with white paint and the flooring is silver travertine finished dull. The ceiling is again finished with white paint and the light fixtures are recessed and specifically minimal in their design. The grains of the travertine further accentuate the linear arrangement of the inside. Save this picture!© Anand JajuThe minimal aspect of the house is so consistent that it is difficult to differentiate the exterior from the interior since they seamlessly unify. The interior design concept revolves around the concept of celebrating the scenario of relaxation in almost every part of the house without being conscious of the surroundings which are not layered to introduce complexity but rather to enjoy the geometrical mystery and outright functional furniture.Save this picture!© Anand JajuThere veneers used on the doors and the furniture are rich in their colour so as to introduce an element of contrast with the rest of the colour palette. The lines of the furniture complement the geometric strategy adopted for the Architecture. The project aims to redefine the purpose of having a second home that which should alter the experience of engaging with activities those which are prompted primarily by the qualities of the space one is within.Save this picture!SectionProject gallerySee allShow lessVenturini House / Adamo FaidenSelected ProjectsTanatorio Sant Joan Despí / Batlle i Roig ArquitectesSelected Projects Share ShareFacebookTwitterPinterestWhatsappMailOr Clipboard ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Area:  6500 ft² Area:  6500 ft² Year Completion year of this architecture project Eagleton Weekend Home / VSDP Structural Consultant: Eagleton Weekend Home / VSDPSave this projectSaveEagleton Weekend Home / VSDPSave this picture!© Anand JajuHouses•Bangalore, India Houses Landscape Consultant: photographs:  Anand JajuPhotographs:  Anand Jaju Projects ArchDaily Mr. Bhansal Indiacenter_img Arun Associates 2012 Ecoin Scape Photographs “COPY” + 31 Share Interior Contractor: “COPY” CopyCivil Contractor:Mr. SwamyProject Team:Vivek V Shankar, Elayaraja Subhalekha, Sunetra YousufCity:BangaloreCountry:IndiaMore SpecsLess Specs Year:  2012 Architects: Vivek Shankar Design Partnership Area Area of this architecture project CopyAbout this officeVivek Shankar Design PartnershipOfficeFollow#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesBangaloreHousesIndiaPublished on July 07, 2013Cite: “Eagleton Weekend Home / VSDP” 07 Jul 2013. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Browse the CatalogMetal PanelsAurubisCopper Surface: Nordic DécorGlassMitrexSolar PanelsPanels / Prefabricated AssembliesTechnowoodPanel Façade SystemSealantsAGROB BUCHTALHow To Benefit From Ceramic Tiles With Hytect SurfaceSignage / Display SystemsGoppionDisplay Case – Q-ClassFacade SystemsTrimoTrimoterm FTV in the BASE – Backing wallSkylightsVELUX CommercialModular Skylight Ridgelight in Office BuildingDoorsVEKAFront Doors – SOFTLINECurtain WallsRabel Aluminium SystemsMinimal Curtain Wall – Rabel 35000 Slim Super ThermalResidential ApplicationsULMA Architectural SolutionsVentilated Facades on Building in PamplonaDoorsLibartVertical Retracting Doors – Panora ViewAccessories / TV MountsYellow Goat DesignScreens – BlossomMore products »Save世界上最受欢迎的建筑网站现已推出你的母语版本!想浏览ArchDaily中国吗?是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

House Cave / UMMO Estudio

first_imgSave this picture!© David Vico+ 21 Share 2012 ShareFacebookTwitterPinterestWhatsappMailOr Clipboard Architects: UMMO Estudio Area Area of this architecture project Projects “COPY” Photographs:  David Vico Manufacturers Brands with products used in this architecture project ShareFacebookTwitterPinterestWhatsappMailOr Clipboard House Cave / UMMO Estudio CopyHouses•Cordoba, Spain Spaincenter_img Area:  104 m² Year Completion year of this architecture project ArchDaily Year:  “COPY” House Cave / UMMO EstudioSave this projectSaveHouse Cave / UMMO Estudio Photographs Houses Manufacturers: Teclux, Acor, Construcciones Biedma e Hijo S.L., UmmoestudioSave this picture!© David VicoRecommended ProductsPorcelain StonewareGrespaniaPorcelain Tiles- CoverlamWindowsVitrocsaMinimalist Window – SlidingWindowsOTTOSTUMM | MOGSWindow Systems – BronzoFinestra B40WindowsRodecaAluminium WindowsText description provided by the architects. The Cuevas del Pino estate sits in the foothills of Sierra Morena, in calcarenite stone terrain arranged in slightly sloping strata that gives rise to various geological formations native to the area, among which are the caves that traditionally have been used for farming and livestock.Save this picture!© David VicoSave this picture!Floor PlanSave this picture!Cortesía de UMMO EstudioSave this picture!© David VicoHistorically, the product of these hollows in the rock emerged when livestock watchmen used them as small shelters. Today they have been rehabilitated to form rural housing and accommodate new countryside activities.Save this picture!© David VicoBoth the pre-existing walls and the rock itself enclosed and defined an area of great spatial and material wealth, and for this reason, we decided to focus the intervention toward a fluid and continuous dialogue between those pre-existing conditions and the new architecture, always from a respectful position seeking proximity rather than direct contact.Save this picture!© David VicoWithin this dialogue we have created a new spatial experience that manages to value the tectonic nature of the area through the use of new architectural elements: clean and quiet volumes, bright and ample spaces, use of stone materials for the flooring, such as concrete or marble, glass openings to the south to conjure natural light and handcrafted wooden furniture to give warmth to the cave house.Project gallerySee allShow less”Hardcore Heritage”: How RAAAF is Redefining Historical PreservationArticles17 Templates for Common Construction Systems to Help you Materialize Your ProjectsArchitecture News Share CopyAbout this officeUMMO EstudioOfficeFollowProductsStoneConcrete#TagsProjectsBuilt ProjectsSelected ProjectsResidential ArchitectureHousesCórdobaOn InstagramSpainPublished on January 05, 2017Cite: “House Cave / UMMO Estudio” [Alojamiento Rural en Casa Cueva / UMMO Estudio] 05 Jan 2017. ArchDaily. Accessed 11 Jun 2021. ISSN 0719-8884Read commentsBrowse the CatalogPanels / Prefabricated AssembliesTechnowoodGRP Siding Façade SystemPlasticsMitrexSolar SidingMetal PanelsAurubisCopper Alloy: Nordic RoyalSystems / Prefabricated PanelsKalwall®Translucent WalkwaysPanels / Prefabricated AssembliesIsland Exterior FabricatorsSpecialty Facade SystemsLightsLouis PoulsenLamps – LP Slim BoxWoodBruagAcoustic Panels with LEDTiles / Mosaic / GresiteHisbalitMosaic Tiles – Palm SpringsMineral / Organic PaintsKEIMBlack Concrete – Concretal®-BlackSuspension SystemsMetawellAluminum Panels for Smart CeilingsDoorsGorter HatchesFloor Door – Fire RatedBricksDEPPEWaterstruck Bricks – 1622/1635ekws DFMore products »Read commentsSave想阅读文章的中文版本吗?岩洞下的家 / UMMO Estudio是否翻译成中文现有为你所在地区特制的网站?想浏览ArchDaily中国吗?Take me there »✖You’ve started following your first account!Did you know?You’ll now receive updates based on what you follow! Personalize your stream and start following your favorite authors, offices and users.Go to my streamlast_img read more

Lowes, Take Down the ‘Ditch the Ethanol’ Sign

first_img The Renewable Fuels Association today sent a letter to Lowe’s CEO Robert Niblock, urging his company to remove a sign appearing at several Midwest locations that inaccurately warns consumers to not use ethanol blends in small engines. The sign, “Ditch the Ethanol,” contains numerous statements that “are simply incorrect and are contrary to the very guidance found in the owner’s manuals on the shelves of your own stores,” RFA explained in its letter. “We find the sign very troubling and are concerned with the massive amount of misinformation posted to ostensibly educate consumers,” said RFA President and CEO Bob Dinneen. “We urge Lowe’s to remove the misleading sign, or else we may be forced to pursue legal efforts to prevent the further dissemination of false information to consumers.”In the letter, RFA rebutted each statement made on the sign, including:–“Ethanol burns hotter and wears out your small engine faster.Every small engine that you offer at Lowe’s was designed and engineered to run on ethanol blends up to 10% ethanol. If you read any small engine owner’s manual found at Lowe’s, you will see this fact, and that all warranties cover the use of ethanol blends up to 10% ethanol. If this sign was intended for higher blends of ethanol, it should be clarified, and also should be noted that any blend of ethanol in small engine applications would be illegal. This would include E15 and E85. All blends above 10% are clearly labeled at the pump to ensure consumers know that they are not purchasing E10 (or 10% ethanol).Ethanol blended gasoline does not wear out your engine faster, or the manufacturers could not offer warranty to cover today’s fuel. I have personally used E10 in all of my small engines for more than two decades, and have yet to have an issue. This statement makes it seem like Lowe’s has some unique insight and data on engine wear that the own manufacturers that make the engines do not. I highly doubt that is accurate.–“Most pump gas contains 10% or more ethanol.It is true that most pump gas contains ethanol, but 10% ethanol or less, otherwise known as E10 (or fuel approved for all small engine use). Roughly 96% of all unleaded sold today contains 10% ethanol.There are only ~180 stations that sell E15 and ~3,400 stations that sell E85, both of which are not approved for small engines. But, these two higher blends are definitely not commonplace in the 140,000 retail fuel stations.”“I am asking respectfully that Lowe’s work with us to remove this misleading signage at your stores immediately,” Dinneen concluded.Read the letter in its entirety here. Facebook Twitter Home Energy Lowes, Take Down the ‘Ditch the Ethanol’ Sign By Gary Truitt – Mar 17, 2016 SHARE SHARE Lowes, Take Down the ‘Ditch the Ethanol’ Sign Facebook Twitter Previous articleClosing CommentsNext articleAg Groups Unite to Support EPA in Lawsuit Gary Truittlast_img read more

Canada Dairy Group Understanding of U.S. Frustrations

first_img The largest dairy processor in Canada says President Trump “has a point” when it comes to dairy trade between the U.S. and Canada. Saputo Inc. told Reuters, “Canada should consider eliminating its Class 7 milk policy in order to renegotiate the North American Free Trade Agreement with the United States.” The CEO says he understands “the frustration,” adding, “quite frankly I think they have every reason to be upset.”The Comments come a week after President Trump targeted Canada’s Dairy Supply Management System, calling it unfair to U.S. farmers. Leadership in Canada has vowed to support the system and are quick to point out that processors created the Class 7 milk issue, not the Canadian government’s dairy policies. The CEO of Saputo says Canada dairy cannot think “we’ll come out of this unchanged.” By Hoosier Ag Today – Jun 20, 2018 Facebook Twitter Home Indiana Agriculture News Canada Dairy Group Understanding of U.S. Frustrations SHARE Facebook Twitter Canada Dairy Group Understanding of U.S. Frustrations SHARE Previous articlePurdue’s Ejeta Named Chair of the World Food Prize Laureate Selection CommitteeNext articleChina Could Step Up Trade War Tactics Hoosier Ag Todaylast_img read more

The Stand Will Replace TLT in Pasadena in Playhouse District

first_imgEVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDS They will serve “redefined” American classics and a variety of custom, made-to-order original burgers, grilled chicken sandwiches and entrée salads. Guests can choose from over twenty-five Stand-made toppings for sausages or hotdogs. Their most recent menu addition is the French Onion Soup Burger – a play on classic French onion soup with gourmet touches like a double parmesan crusted bun, gruyere cheese, red wine braised onions and crispy onion strings. You can also look forward to their Wisconsin Vanilla Custard which will be served over seasonal cobblers like peach, berry or apple. Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Community News Your email address will not be published. Required fields are marked * “We have one foot in the classics but have an ear to the ground on what’s popular,” said Wishengrad. “We always want to spin it our own way.” First Heatwave Expected Next Week Stay tuned for more updates. The Stand will open at 36 South El Molino Avenue. Visit for more information. Get our daily Pasadena newspaper in your email box. Free.Get all the latest Pasadena news, more than 10 fresh stories daily, 7 days a week at 7 a.m. Pasadena Will Allow Vaccinated People to Go Without Masks in Most Settings Starting on Tuesday The Stand will open on March 1, this will be their sixth location, since opening in Encino, California in 2003. Their focus is on crowd-pleasing, high quality food. Subscribe Name (required)  Mail (required) (not be published)  Website center_img Pasadena Eats, The Dining Blog The Stand Will Replace TLT in Pasadena in Playhouse District From STAFF REPORTS Published on Wednesday, February 22, 2017 | 1:55 pm Business News Top of the News TLT, the brick and mortar incarnation of The Lime Truck, will close its doors on February 17. This fast casual fusion spot is known for their Cali-fresh cuisine like nachos, vegan ceviche (made with cauliflower) and signature limeade. More Cool Stuff Community News Make a comment HerbeautyIs It Bad To Give Your Boyfriend An Ultimatum?HerbeautyHerbeautyHerbeauty8 Easy Exotic Meals Anyone Can MakeHerbeautyHerbeautyHerbeautyTiger Woods’ Ex Wife Found A New Love PartnerHerbeautyHerbeautyHerbeautyBohemian Summer: How To Wear The Boho Trend RightHerbeautyHerbeautyHerbeautyFinding The Right Type Of Workout For You According AstrologyHerbeautyHerbeautyHerbeautyRed Meat Is Dangerous And Here Is The ProofHerbeautyHerbeauty “We pride ourselves on having a big menu that appeals to everyone from foodies to families,” said Jason Wishengrad, Vice President and Chef at The Stand. faithfernandez More » ShareTweetShare on Google+Pin on PinterestSend with WhatsApp,Virtual Schools PasadenaHomes Solve Community/Gov/Pub SafetyPASADENA EVENTS & ACTIVITIES CALENDARClick here for Movie Showtimes 7 recommended0 commentsShareShareTweetSharePin it Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadenalast_img read more

Pulse Biosciences Reports Fourth Quarter and Full Year 2020 Financial Results

first_img Total stock-based compensation expense By Digital AIM Web Support – February 22, 2021 General and administrative 3,821 665 41,915 (0.66 22,894 13,756 $ Investments 2019 December 31, Lease liability, less current portion Net loss 2019 $ Revenue Cash and cash equivalents Total other income Amortization of intangible assets ) Twelve-Month Periods Ended 2020 Total operating expenses 18,499 Prepaid expenses and other current assets Condensed Consolidated Balance Sheets WhatsApp ) 963 (In thousands, except par value) $ Twitter 2,566 666 (13,752 4,547 Lease liability, current 6,590 — ) 167 12,463 Twitter 494 ) 49,965 (Unaudited) 41,293 (5 20,746 Total liabilities and stockholders’ equity Current liabilities: Accounts payable Other assets (2 10,075 $ ) 5,326 25 $ Interest income — ) Accrued expenses Pinterest HAYWARD, Calif.–(BUSINESS WIRE)–Feb 22, 2021– Pulse Biosciences, Inc. (Nasdaq: PLSE), a novel bioelectric medicine company progressing its Nano-Pulse Stimulation™ (NPS™) technology, today announced financial results for the fourth quarter and full year ended December 31, 2020. Recent HighlightsReceived U.S. Food and Drug Administration (FDA) clearance for the CellFX® System for dermatologic procedures requiring ablation and resurfacing of the skinReceived CE mark approval for the CellFX SystemInitiated the CellFX System Controlled Launch program in the U.S. and Europe, including system implementations and completion of the first procedures performed by participating Key Opinion Leader (KOL) aesthetic dermatologistsContinued preparation to make an FDA 510(k) submission for a sebaceous hyperplasia (SH) specific indication for the CellFX System as early as the end of the first quarter of 2021Enrolled and treated the first patients in an IDE pivotal comparison study to evaluate the treatment of cutaneous non-genital warts using the CellFX System “Our diligent efforts throughout 2020 resulted in regulatory clearances for the CellFX System in the U.S. and Europe. We believe these achievements highlight the safety and efficacy of our CellFX System for use in aesthetic dermatology. Along with our clinical investigators, we have built a strong foundation from which we intend to expand CellFX System indications for use, first in aesthetic dermatology and subsequently for other applications over time, as we execute on our stepwise regulatory strategy,” said Darrin Uecker, President and CEO of Pulse Biosciences. “The detailed and thoughtful preparation by our team has enabled the immediate implementation of our Controlled Launch program of the CellFX System integrated with CellFX CloudConnect services. In both the U.S. and in Europe, we now have KOLs performing CellFX procedures. This measured approach is our top focus in 2021 and will lay the groundwork for long term adoption of the CellFX System with CellFX CloudConnect and growth for Pulse Biosciences.” Fourth Quarter 2020 Results Cash, cash equivalents and investments totaled $20.5 million as of December 31, 2020, compared to $29.6 million as of September 30, 2020. Cash used in the fourth quarter of 2020 totaled $9.1 million. Excluding net proceeds received in our June 2020 rights offering, cash use for the full year ended December 31, 2020 totaled $34.6 million, compared to $34.2 million for the full year 2019. Operating expenses for the three months ended December 31, 2020 were $13.8 million, compared to $13.9 million for the prior year period. Fourth quarter 2020 operating expenses included stock-based compensation expense of $2.4 million, compared to $3.5 million in the fourth quarter of 2019. Operating expenses for the twelve months ended December 31, 2020 were $50.0 million, compared to $48.0 million for the prior year period. Stock-based compensation expense for the twelve months ended December 31, 2020 was $10.1 million, compared to $11.3 million in the prior year period. The increase in operating expenses was primarily driven by the expansion of operational infrastructure and increased headcount to support preparations for commercialization. Net loss for the three months ended December 31, 2020 was ($13.8) million in line with the same ($13.8) million for the three months ended December 31, 2019. Net loss for the twelve months ended December 31, 2020 was ($49.9) million, compared to ($47.0) million for the twelve months ended December 31, 2019. Impact of COVID-19 The COVID-19 pandemic had minimal impact on our operations in the fourth quarter of 2020. Product development, execution of clinical trials, regulatory timelines and controlled commercial launch have not been materially affected at this time but due to the uncertain scope and duration of the pandemic, future impact to our operations and financial results cannot be reasonably estimated. Webcast and Conference Call Information Pulse Biosciences’ management will host a conference call today, February 22, 2021 beginning at 1:30pm PT. Investors interested in listening to the conference call may do so by dialing 1-877-705-6003 for domestic callers or 1-201-493-6725 for international callers. A live and recorded webcast of the event will be available at About Pulse Biosciences ® Pulse Biosciences is a novel bioelectric medicine company committed to health innovation that has the potential to improve the quality of life for patients. The CellFX® System is the first commercial product to harness the distinctive advantages of the Company’s proprietary Nano-Pulse Stimulation™ (NPS™) technology, such as the ability to non-thermally clear cells while sparing non-cellular tissue, to treat a variety of applications for which an optimal solution remains unfulfilled. Nano-Pulse Stimulation technology delivers nano-second pulses of electrical energy. The initial commercial use of the CellFX System is to address a range of dermatologic conditions that share high demand among patients and practitioners for improved dermatologic outcomes. Designed as a multi-application platform, the CellFX System offers customer value with a utilization-based revenue model. To learn more, please visit To stay informed about the CellFX System, please visit and sign up for updates. Pulse Biosciences, CellFX, Nano-Pulse Stimulation, NPS and the stylized logos are among the trademarks and/or registered trademarks of Pulse Biosciences, Inc. in the United States and other countries. Forward-Looking Statements All statements in this press release that are not historical are forward-looking statements, including, among other things, statements relating to Pulse Biosciences’ expectations regarding regulatory clearance and the timing of FDA and other regulatory filings or approvals, including meetings with FDA and the ability of the Company to successfully complete a 510(k) submission for the CellFX System for a SH-specific indication or other dermatologic indications, the ability of the Company to obtain a Medical Device License from Health Canada for the CellFX System, NPS technology including the effectiveness of such technology, the CellFX System including the benefits of the CellFX System and expected benefits from the commercialization of the CellFX System, current and planned future clinical studies and the ability of the Company to execute such studies and the results of any such studies, other matters related to its pipeline of product candidates, the Company’s market opportunity and commercial launch plans, including the market for aesthetic dermatologic procedures and the treatment of SH, and expectations regarding adoption of the CellFX System, future financial performance, the impact of COVID-19 and other future events. These statements are not historical facts but rather are based on Pulse Biosciences’ current expectations, estimates, and projections regarding Pulse Biosciences’ business, operations and other similar or related factors. Words such as “may,” “will,” “could,” “would,” “should,” “anticipate,” “predict,” “potential,” “continue,” “expects,” “intends,” “plans,” “projects,” “believes,” “estimates,” and other similar or related expressions are used to identify these forward-looking statements, although not all forward-looking statements contain these words. You should not place undue reliance on forward-looking statements because they involve known and unknown risks, uncertainties, and assumptions that are difficult or impossible to predict and, in some cases, beyond Pulse Biosciences’ control. Actual results may differ materially from those in the forward-looking statements as a result of a number of factors, including those described in Pulse Biosciences’ filings with the Securities and Exchange Commission. Pulse Biosciences undertakes no obligation to revise or update information in this release to reflect events or circumstances in the future, even if new information becomes available. TAGS  6,719 (4 166 $ ) Previous articleZoomInfo Announces Fourth Quarter and Full-Year 2020 Financial ResultsNext articleThe St. Joe Company Completes Construction of the Second Phase of Pier Park Crossings and Continues Construction of Additional Apartment Communities in Northwest Florida Digital AIM Web Support $ ) 20,799 Twelve-Month Periods Ended 21 Additional paid-in capital 6,165 $ 1,056 ) Weighted average shares used to compute net loss per common share — basic and diluted 7,425 Accumulated deficit 10,814 Net loss per share: (122,689 Basic and diluted net loss per share — Total current liabilities 114 (49,856 $ 22,856 2,496 25,360 $ $ $ Total liabilities (Unaudited) 41,293 7,466 $ $ 2019 47,954 ) 41,915 3,882 — 2,791 6 $ — Property and equipment, net 30,737 Operating expenses: ) 2019 Research and development 143 Other comprehensive loss: 24,961 4 Accumulated other comprehensive income (loss) 26,444 $ 983 Research and development $ ) 2019 153,401 (13,750 6,899 Total assets 2,389 $ 4,013 Pulse Biosciences Reports Fourth Quarter and Full Year 2020 Financial Results Total current assets 114 — Common stock, $0.001 par value: authorized – 500,000 shares; issued and outstanding – 25,550 shares and 20,825 shares at December 31, 2020 and December 31, 2019, respectively 6 8,012 13,931 18,399 (46,966 ) ) (13,788 2,478 (49,851 5 2,791 2,585 Right-of-use assets 6,062 2020 December 31, View source version on CONTACT: Investors: Pulse Biosciences Sandra Gardiner, EVP and CFO 510.241.1077 [email protected] or Gilmartin Group Philip Trip Taylor 415.937.5406 [email protected]: Tosk Communications Nadine D. Tosk 504.453.8344 [email protected] [email protected] KEYWORD: UNITED STATES NORTH AMERICA CALIFORNIA INDUSTRY KEYWORD: BIOTECHNOLOGY HEALTH CLINICAL TRIALS MEDICAL DEVICES SOURCE: Pulse Biosciences, Inc. Copyright Business Wire 2021. PUB: 02/22/2021 04:05 PM/DISC: 02/22/2021 04:06 PM $ 2020 (1 ASSETS Comprehensive loss (In thousands, except per share data) 7,585 26,403 $ Pinterest General and administrative $ Current assets: — Total stockholders’ equity 3,548 $ $ Goodwill 1,963 (0.54 Stockholders’ equity: Stock Based Compensation Expense: (13,792 ) Facebook 22,327 5,114 Three-Month Periods Ended 542 LIABILITIES AND STOCKHOLDERS’ EQUITY (46,971 $ 9,438 23,248 2020 Intangible assets, net Local NewsBusiness December 31, 7,174 11,178 Condensed Consolidated Statements of Operations and Comprehensive Loss ) $ PULSE BIOSCIENCES, INC. $ December 31, 365 (2.14 December 31, 1,864 22,339 PULSE BIOSCIENCES, INC. $ 1,005 Other income: (2.26 143 4,459 1,333 2020 195,410 Three-Month Periods Ended Preferred stock, $0.001 par value; authorized – 50,000 shares; no shares issued and outstanding December 31, Unrealized gain (loss) on available-for-sale securities ) 11,287 983 ) Facebook (172,540 $ WhatsApp 1,717last_img read more

Reasons for Optimism Despite Increased Delinquencies

first_img Governmental Measures Target Expanded Access to Affordable Housing 2 days ago  Print This Post Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago The Best Markets For Residential Property Investors 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Share Save CoreLogic releases monthly reports on delinquencies and loan performance for U.S. mortgages. The company on Tuesday published data covering September 2020, which show that, nationwide, 6.3% of mortgages are 30-plus days past due.Numbers reported in CoreLogic’s Loan Performance Insights, which include mortgages in foreclosure, represent a 2.5-percentage point increase in the overall delinquency rate compared to September a year ago, when it was 3.8%.“Although delinquencies remain high, it’s clear the economy has passed an initial stress test. High home equity balances and structural protections put in place as a result of the Great Recession contributed to surviving this test,” CoreLogic’s President and CEO Frank Martell said. “Housing demand remains strong, and rates low, which provides optimism that the housing market will continue to be a bright spot in this COVID-ravaged economy.”The rate and stages of delinquencies, according to CoreLogic, break down as follows:Early-Stage Delinquencies (30 to 59 days past due): 1.5%, down from 1.9% in September 2019, and down from 4.2% in April when early-stage delinquencies spiked.Adverse Delinquency (60 to 89 days past due): 0.7%, up from 0.6% in September 2019, but down from 2.8% in May, when adverse-stage delinquencies peaked.Serious Delinquency (90 days or more past due, including loans in foreclosure): 4.2%, up from 1.3% in September 2019, but down slightly from 4.3% in August.Foreclosure Inventory Rate (the share of mortgages in some stage of the foreclosure process): 0.3%, down from 0.4% in September 2019. The September 2020 foreclosure rate has stayed at 0.3% for six consecutive months, which was the lowest since at least January 1999.Transition Rate (the share of mortgages that transitioned from current to 30 days past due): 0.8%, unchanged from September 2019. The transition rate has slowed since April 2020, when it peaked at 3.4%.Homeowners who lapsed on mortgages in earlier 2020 “continue to move through the delinquency funnel,” note the report’s authors. Foreclosures remain low, due to government intervention through the CARES Act and the Frank-Dodd Act aimed at protecting consumers from risky lending practices. Serious delinquencies, those 90-plus days past due, have leveled out for the first month since April, according to the survey. According to CoreLogic, a record amount of home equity fueled by rapid home price growth, also provides a buffer against both delinquency and foreclosure.”Our analysis of CoreLogic public records shows that more than one-half of all home mortgage loans created since the onset of the pandemic have been no-cash-out refinance,” said Dr. Frank Nothaft, CoreLogic’s Chief Economist.“By reducing their mortgage rate with these types of loans, homeowners have been lowering both their interest expense and risk of delinquency.”By state, each of them in September reported an annual increase in overall delinquency rates, the report covering September showed.For months, popular tourism destinations showed the highest increases, with Nevada (up 4.9 percentage points), Hawaii (up 4.7 percentage points), and Florida (up 4 percentage points) again topping the list for gains in September.Indeed, nearly every metro area logged an increase in overall delinquency.Lake Charles, Louisiana, where Hurricane Laura hit in August, experienced the largest annual increase of 10.7 percentage points. Other metro areas with significant overall delinquency increases included Odessa, Texas (up 10.3 percentage points), Midland, Texas (up 7.9 percentage points), and Kahului, Hawaii (up 7.5 percentage points).The next CoreLogic Loan Performance Insights Report featuring data for October 2020 will be released on January 12, 2021. For ongoing housing trends and data, visit the CoreLogic Insights Blog at December 8, 2020 1,046 Views 2020-12-08 Christina Hughes Babb Christina Hughes Babb is a reporter for DS News and MReport. A graduate of Southern Methodist University, she has been a reporter, editor, and publisher in the Dallas area for more than 15 years. During her 10 years at Advocate Media and Dallas Magazine, she published thousands of articles covering local politics, real estate, development, crime, the arts, entertainment, and human interest, among other topics. She has won two national Mayborn School of Journalism Ten Spurs awards for nonfiction, and has penned pieces for Texas Monthly,, Dallas Observer, Edible, and the Dallas Morning News, among others. Related Articles Demand Propels Home Prices Upward 2 days ago Reasons for Optimism Despite Increased Delinquencies Previous: MBS Represent ‘Strong Source of Capital’ for Homeowners Next: The Only Constant is Change in Daily Dose, Featured, Market Studies, News The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago Sign up for DS News Daily Home / Daily Dose / Reasons for Optimism Despite Increased Delinquencies Demand Propels Home Prices Upward 2 days ago About Author: Christina Hughes Babb Data Provider Black Knight to Acquire Top of Mind 2 days ago Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Subscribelast_img read more