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Orion Federal Credit Union has since the beginning of the year donated more than $7,500 and more than 1,000 items to seven local nonprofit groups.
The charitable giving is part of the credit union's community involvement program, Orion Gives Back. Launched in January 2012, Orion chooses a nonprofit each month to be the focus of the giving initiative.
Recipients thus far have included the Mid-South Food Bank, Memphis Family Shelter, Literacy Mid-South, Memphis Farmers Market, Clovernook Center for the Blind and Visually Impaired and Youth Villages, among many others.
The Tennessee Department of Labor and Workforce Development is holding a series of seminars across the state to explain the Workers' Compensation Reform Act of 2013.
The bill removes injured workers' claims from state trial courts and instead creates a special panel appointed by the governor to hear claims and appeals.
The seminars aim to educate employers about the impact of the bill, including ways to avoid workplace injuries and how to better handle them if they occur. The seminars are being put on by the Workers' Compensation Division, the Tennessee Occupational Safety and Health Administration and the Tennessee Chamber of Commerce.
They take place from July 25 through Aug. 29. Specific dates, times and locations can be found on the department's website at http://www.tn.gov/labor-wfd .
U.S. Rep. Steve Cohen, D-Memphis, said Thursday that he's "stunned and dismayed" to learn that DNA tests revealed he is not the father of a woman with whom he had an affectionate Twitter exchange this year.
In February, tweets between Cohen and Victoria Brink, a 24-year-old Texas woman, attracted public attention during the president's State of the Union address. Soon after, Cohen revealed that he was Brink's father. He said he'd learned about the relationship three years earlier.
But on Thursday, CNN reported that DNA tests showed Cohen is not her father.
"I was stunned and dismayed when DNA tests disproved what Victoria and I believed about our relationship," Cohen said in a Thursday statement. "I still love Victoria, hold dear the time I have shared with her, and hope to continue to be a part of her life.
"It's been a roller coaster ride these last three and a half years from which I have learned something about parenting and some more about love, life, and heartache."
Brink is the daughter of Texas criminal defense lawyer Cynthia White Sinatra, who ran for Congress in 2006 against Ron Paul. Cohen described his relationship with Sinatra as longtime friends. Texas executive John Brink raised Victoria Brink.
CNN reported Thursday that it obtained DNA from John Brink, Victoria Brink and Cohen for tests, and that results showed Cohen wasn't her father.
Cohen's office said that he also submitted DNA to determine paternity independent of the CNN report.
Cohen, who has never been married, said in February that he decided to publicly acknowledge Brink as his daughter after bloggers and the media tried to make exchanges during the State of the Union appear salacious. Cohen's message to Brink included a Twitter abbreviation for "I love you."
Average rates on U.S. fixed mortgages declined this week as concern waned in the financial markets over the Federal Reserve's possible slowing of its bond purchases this year.
Mortgage buyer Freddie Mac said Thursday the average on the 30-year loan slipped to 4.37 percent. That's down from 4.51 percent last week but is still near the highest level in nearly two years.
Just two months ago the rate was 3.35 percent, barely above the record low of 3.31 percent. Rates had surged in recent weeks amid concern over the Fed's bond purchases, which have kept interest rates low.
The average on the 15-year mortgage fell to 3.41 percent from 3.53 percent last week.
Chairman Ben Bernanke said last week the Fed will continue to stimulate the economy, even after it begins to slow the bond purchases.
Even with the recent gains, mortgage rates remain low by historical standards. Low rates have helped fuel a housing recovery that is helping to drive economic growth this year.
To calculate average mortgage rates, Freddie Mac surveys lenders across the country on Monday through Wednesday each week. The average doesn't include extra fees, known as points, which most borrowers must pay to get the lowest rates. One point equals 1 percent of the loan amount.
The average fee for a 30-year mortgage was 0.7 point this week, down from 0.8 point last week. The fee for a 15-year loan also slipped to 0.7 point from 0.8 point.
The average rate on a one-year adjustable-rate mortgage was unchanged at 2.66 percent. The fee declined to 0.4 point from 0.5.
The average rate on a five-year adjustable mortgage fell to 3.17 percent from 3.26 percent. The fee eased to 0.6 point from 0.7.
Uncirculated tapes of two Elvis Presley concerts recorded two months before he died have been added to a celebrity memorabilia auction in California.
The Mecum Auction Co. says the tapes will be among the 2,000 pieces of celebrity-related memorabilia being displayed and auctioned in Santa Monica, Calif., on July 26-27.
Mecum says the concert tapes were made at live Elvis shows in Omaha, Neb., on June 19, 1977, and Rapid City, S.D., two days later. Mecum says the tapes include original audio and video footage.
Elvis died Aug. 16, 1977, in Memphis.
The auction also will include Elvis' 1972 Cadillac Custom Estate Wagon and other Elvis-related items.
Arkansas' highway chief says the state still needs an additional $200 million a year over the next decade just to maintain its roads, despite extra money coming in from a half-cent sales tax voters approved last year.
Arkansas Highway and Transportation Department Director Scott Bennett told a legislative panel Thursday that he expects to begin issuing bonds in September that will be repaid by the new sales tax. He said he expects work to begin on some of the projects by the end of the year.
Voters last year approved the tax, which will raise about $1.8 billion during the next decade for the state's highway needs. The half-cent tax increase is set to expire by 2023.
The "ABA Banking Journal," the American Bankers Association's monthly magazine, has recognized Bank of Bartlett as among the nation's top performing banks based on return on equity for 2012.
In the current edition of the magazine, the "ABA Banking Journal" lists the bank as the nation's second best-performing community bank, with return on average equity at 65.33 percent and assets of $370.4 million.
Since its founding in 1980, Bank of Bartlett has financed the construction of more than 20,000 homes in Shelby County and currently operates eight bank branches in Shelby County.
Memphis City Council members delayed Tuesday, July 16, several items that would have called for special referendum elections in this off-election year for Memphis voters.
The council delayed final votes to set referendums on civil service changes as well as on a proposed half-percent sales tax hike.
It also delayed a vote on third and final reading of the ordinance prohibiting pension "double dipping" by retired city employees who return to work for the city or a local government entity and continue to collect their pension as they get paid for the new job.
The council approved on third and final reading an ordinance that ups some false alarm fines and fees.
Also approved was $250,000 in funding for traffic signal improvements at Pleasant View Road and Covington Pike as well as $300,000 for engineering and inspection work on a Central Avenue crosswalk funded by the state for the University of Memphis. And $936,400 for road improvements along Fairley Road were approved.
The council approved accepting $1.1 million in state Fast Track grant money for an access road into the site of the Nike plant expansion in Frayser.
With a $3.2 million contract approved between the city and Memphis Light, Gas and Water Division, the next phase of the renovation of the Elvis Presley Boulevard streetscape in Whitehaven will begin. The contract is to locate overhead utility lines underground on the stretch of the state highway from Brooks Road to Winchester Road.
Wunderlich Securities Inc. has an analyst note out maintaining a buy rating on First Horizon National Corp., the Memphis-based parent company of First Tennessee Bank, and keeping a price target of $13 on the stock.
First Horizon reports second quarter results before the market opens Friday, July 19. In his note, Wunderlich analyst Kevin Reynolds said he expects the banking company to "meet or exceed" the consensus earnings estimate, which is $0.19 for the quarter.
The company's results for the quarter, he added, "should include modest commercial loan growth, improving asset quality, and continued expense reductions, partially offset by slight (net interest margin) compression."
Gail Tyree, the assistant director of local 1733 of the American Federation of State, County and Municipal Employees, becomes the interim executive director of the Memphis local effective July 22.
Tyree's appointment was announced Wednesday, July 17, by union administrator Shelley Seeberg.
Outgoing executive director Chad Johnson is leaving the Memphis local to become California Area Field Services director of the international union.
Johnson had been instrumental in fashioning a still unfolding new model for city sanitation services as the administration of Memphis Mayor A C Wharton Jr. seeks to move to a "pay as you throw" model.
The model, which is still an emerging proposal, is one in which city residents would begin to move toward a system in which they pay a solid waste fee based on the amount of waste they leave for the city to pick up.
Tyree has been a regular presence at countywide school board meetings representing union members who were affected by the countywide school board decisions to outsource some transportation services and all custodial services.
The union is one of the big three municipal unions representing the bulk of city employees.
A Federal Reserve survey says the U.S. economy grew in most parts of the country from late May through early July, bolstered by the housing recovery, consumers and more factory output.
Eleven of the Fed's 12 banking districts reported "modest to moderate" growth. The Dallas district reported strong growth for the second straight survey.
Housing construction and home prices improved, while consumer spending increased in most districts, fueled by rising car and truck sales. The housing recovery is also driving more production of lumber, materials and construction equipment.
The report says hiring held steady or increased in most districts. But employers in some districts were reluctant to hire permanent or full-time workers.
Reid-Hooker Road between Raleigh Lagrange Road and Monterey Road in north Shelby County will be closed to through traffic July 24-25.
County road crews will be repairing a pipe culvert north of Mary Creek Lane.
Law enforcement officials across the state are stepping up a campaign to increase highway safety.
Richard Holt is the Governor's Highway Safety Office Law Enforcement administrator.
He says law enforcement statewide will be out in force from Thursday, July 18, to Sunday, July 21, and from July 25 to July 28 for the final phase of the More Cops-More Stops campaign to crack down on drivers who are speeding, drunk, distracted or not wearing a seat belt.
In 2011, officials say more than 700 people died in Tennessee traffic crashes.
Twenty-seven percent of the fatalities involved a drunk driver, and 23 percent were speeding-related crashes. Fifty-seven percent of those who died were not wearing their seat belts at the time of the crash.
Mississippi Attorney General Jim Hood says he'll file an appeal early next week to try to push an open-carry gun measure into law.
A Hinds County circuit judge has put the law on hold, calling it "unconstitutionally vague." Hood will ask the state Supreme Court to overturn that ruling.
Hood says many law enforcement officers around the state are confused about whether they can arrest someone who's openly carrying a firearm.
Hood says a Hinds County judge has the power to block a state law from taking effect, because the seat of state government is in Hinds County.
But Hood's also telling sheriffs and police officers in the other 81 counties they might be wasting their time by arresting people for simply carrying a gun that's not concealed.
A new boutique store is heading to Overton Square.
Alexandra Rushing, owner of Harbor Town boutique The Ivory Closet and Adel Amor Cosmetics, has signed a lease for 1,300 square feet for The Attic at Overton Square, next door to Bar Louie.
The retail boutique will carry men's and women's clothing and accessories from brands like Library of Flowers, Yosi Samra, Lucky Feather, Coobie and Chilly Jilly.
Ben Scharff, owner of IronJaw Labs and creator of IronJaw custom mouth guards, will co-own the business.
"Growing up in Memphis, we see Overton Square as a staple of our history and a vision of what will help shape the future of Memphis," Rushing said in a statement. "We want to be a part of the renovation and revival of this fabulous Memphis landmark."
The Attic, which is expected to open its doors in September, will be open 11 a.m. to 8 p.m. Mondays through Saturdays and 1 p.m. to 5 p.m. on Sundays.
Loeb Properties Inc. has stepped up retail leasing at Overton Square.
Company officials said they believe it will provide new daytime traffic to complement the already bustling restaurant activity there.
Breakaway Running and Cardio Barre have also signed leases for stores at Overton Square.
The number of permits filed by builders in June declined significantly from the same month last year.
Builders filed 60 permits in June 2013, down from 89 permits filed in June 2012, according to real estate information company Chandler Reports, www.chandlerreports.com.
While the number of permits issued was down, average home sizes and prices were up year over year.
The average permit in June measured 3,712 square feet and $367,952 compared to 3,091 square feet and $231,884 in June 2012.
Regency Homebuilders LLC was the top builder as tracked by home permits in June (30; 2,799; $204,398) followed by Grant Homes (6; 2,870; $171,700).
Collierville's Wolf River Ranch subdivisions saw the most activity, with 11 permits averaging 4,373 square feet and $383,909.
Collierville's 38017 ZIP code led the way in June with 18 permits averaging 3,847 square feet and $339,778.
Builders sold 62 homes in June, down 13.9 percent from 83 sales in June 2012.
Grant Homes led the way with 11 sales averaging $251,019 and totaling $2.76 million, followed by Regency Homebuilders with six sales averaging $242,893 and totaling $1.45 million.
For the permits data from the second quarter, see Page 20.
Sullivan Branding has made a few personnel changes and additions.
The brand development, advertising, marketing and PR agency has named Earl Keister executive creative director for the Nashville and Memphis offices. He'll be based at the agency's Nashville office, and he's served as creative director of the Memphis office since September 2010.
The firm also has announced the hire of Leslie Skelton as digital strategy manager. She'll lead online advertising and marketing strategies for tourism, retail and banking industry clients.
Jason Lee is Sullivan's new art director. He specializes in 3D animation, video and photography.
Rounding out the new hires is Natalie Holcomb, who's joined Sullivan Branding as social media coordinator.
Cotton acreage is down sharply this year in Arkansas.
Agriculture officials estimate 320,000 acres of cotton have been planted in Arkansas this year. That's only about half as much cotton as growers planted in 2012.
Jonesboro television station KAIT reports that farmers pulled back on cotton because of thin profit margins.
Producers risk losing money if the weather takes a bad turn or if pests are abundant. Also, the crop is threatened by herbicide-resistant pigweed, which can choke out cotton plants.
Memphis metal building manufacturer Spirco Manufacturing has been recognized for outstanding safety measures.
The Metal Building Manufacturers Association recently awarded Spirco a 2012 Improved Safety Award in the category of 20 percent reduction in OSHA work case occurrences and restricted duty cases.
Each year, the association recognizes metal building systems manufacturers who show exceptional commitment to assuring workplace safety.
Spirco was one of only 10 companies across the nation to win an acknowledgement in its category.
Glazer's Inc. has signed an agreement to acquire majority control of Memphis-based Star Distributing Co.
Glazer president and CEO Sheldon Stein said the company's strategy is to "aggressively expand" its footprint in beverage distribution, and the deal announced will give it a significant presence in Memphis.
His company is one of the largest distributors of wine, spirits and malt beverage products in the U.S.
Star distributes wine, spirits and specialty items in Memphis for national suppliers including Bacardi, Sazerac, Moet Hennessy USA and Beam, among others.
U.S. businesses increased their stockpiles only slightly in May, despite a solid sales increase. The figures suggest economic growth has slowed but could pick up in the second half of the year.
The Commerce Department said Monday that business stockpiles rose just 0.1 percent in May from April, half the previous month's increase.
Sales increased 1.1 percent in May after being flat in April. That's the best gain since February.
Slower restocking could weigh on economic growth in the April-June quarter because it means companies ordered fewer factory goods. But the strong sales gain suggests companies may have to order more goods in the coming months to keep up with demand. That could drive more economic growth in the second half of the year.
Many analysts think economic growth has slowed to an annual rate of around 1 percent or even less in the April-June quarter. That would be lower than the subpar 1.8 percent annual rate from January through March.
Economists expect growth should rebound in the second half of the year to a roughly 2.5 percent annual rate as the effects of federal tax hikes and government spending cuts fade.
The May increase brought total stockpiles to a seasonally adjusted $1.66 trillion. That's up just 3.8 percent from May 2012.
Wholesalers cut their stockpiles 0.5 percent, while manufacturers' inventories were unchanged in May. Retail stockpiles rose 0.6 percent.
Sales at the wholesale level rose 1.6 percent to lead all categories. Sales at manufacturers and retailers increased slightly below that level.
A separate report Monday showed that retail sales slowed to a modest 0.4 percent increase in June.
The brighter second half outlook is bolstered by steady job growth, which has kept consumers spending. Employers have added 202,000 jobs a month through the first six months of this year. That's up from 180,000 in the previous six months.
The increase in hiring has helped overall income grow, offsetting some of the drag from higher taxes.
Pianist and vocalist DiAnne Price, who died in March, will be honored with a brass note on Beale Street's Walk of Fame, Sunday, July 21.
Price's unique blues phrasings and her extensive songbook were featured at Memphis Sunday brunches as well as music festivals.
The ceremony honoring her will be at B.B. King's Blues Club on Beale at 3 p.m.
Meanwhile, Knox Phillips of Phillips Recording Studio was honored with a brass note that was presented to him Saturday at the Levitt Shell before the last live concert of the summer season in Overton Park.
After a nearly two-year process the Downtown Memphis Commission has produced the final draft of the Design Guidelines for Downtown.
The commission's Design Review Board will review the document at its Aug. 7 meeting and the DMC board will be asked to consider adopting the final draft at its Aug. 21 meeting.
The 184-page document will guide the use of new technologies and materials, strategies of sustainable design, how public improvements – including sidewalk and streetscaping – should be pursued and how construction should be context-appropriate.
The goals are to promote maintaining Downtown as a "cohesive and livable place with an attractive pedestrian-oriented environment" while promoting the "preservation of historic, cultural and architectural heritage," according to the DMC.
Driven in part by stock market gains, the value of the pension fund that pays benefits to Shelby County retirees in May was back to a high not seen since before the 2008 recession.
The size of the retirement defined benefit plan portfolio stood at nearly $1.03 billion in May.
The last time the value was higher than that was in December 2007.
Continuing a pattern, the fund for each of the first four months of 2013 has surpassed the monthly values for the first four months of every year back to 2007.
Executives at the Memphis Electrolux plant donated 200 room-size window air conditioning units Friday, July 12, as part of efforts by the Metropolitan Interfaith Association and Neighborhood Christian Centers to help needy Memphians in the worst of the summer heat.
The Frigidaire air conditioning units were donated as part of a larger effort with donations by Electrolux this week in Charlotte, N.C., Springfield, Tenn., and Anderson S.C., where the company also has manufacturing plants and headquarters.
Electrolux makes the Frigidaire units.
The units donated in Memphis will be distributed through Neighborhood Christian Centers to Shelby County residents who are in need.
Call 881-6013 Monday through Friday from 8 a.m. to 5 p.m. for information on how to apply.
Copyright 1995 -
by The Daily News Publishing Co. Inc. - All Rights Reserved


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If life is anything for certain, it's busy. And when you're a high school or college student, life is even busier. Between classes, extracurricular activities and work, what little free time you do have is preoccupied with finishing up homework and perfecting college and job applications.
There's a lot you can be doing with your time, but one way to be fulfilled while expanding your resume is to serve others in the community. Whether it's a few hours or a long commitment, volunteering not only supports those around you but positively influences you as well. Here's six ideas to get started.
1. Become a mentor.
Becoming a mentor for a child is a simple and fun way to get involved and volunteer with those in your neighborhood. Whether you're working on homework together, going to a sports game or just hanging out at the mall, you can be a positive influence on a child who's looking for support.
Check out local elementary and middle schools in your area to see what programs they have available, or go straight to nonprofits that offer mentoring jobs. While you're helping a child in need, you may be surprised at just how much you get back through the time together.
2. Donate gently used goods.
Are you spring cleaning this time of year? Take those old, gently used items to your local shelter and help support families struggling in these upcoming summer months. Whether it's clothes, shoes or non-perishable food items, your donation matters and can make a difference in another's life. For busy students, volunteering through your material items doesn't take much time but goes a long way in making a difference.
3. Tutor students or language learners.
Several younger students or newcomers to the community who could use guidance in language learning or homework. Whether you're working with elementary-aged students or adults who are new to the community, volunteering by tutoring is a great way to give back with your time and talents. Education is a valuable tool, and you can help others use it by tutoring an hour or two a week.
4. Walk or run for a cause.
Summer is just around the corner, which means community walks and runs will be coming up faster than you know it. Check in your area to see which ones go to support a cause you care about, and sign up to make a difference. Opportunities like these are useful because they take up little of your time, but a small contribution goes a long way in helping others.
5. Give back at a local shelter.
If you have a few extra hours to spare, consider giving back at a local shelter by volunteering to serve food, clean or sort items. Volunteering options like these may be less regular and more sporadic, so they can fit into a schedule that may be more difficult to manage. If you have a spare hour or two, use it to commit some time to helping those in your community. When it comes to giving back, a small step can be a huge help.
6. Clean up the community.
Finally, volunteer to clean up your surrounding neighborhood or your time with Blue River Watershed Association. Even a few hours can help clean up trash, beautify parks and gardens and wipe down city streets to make your community as attractive as possible. Helping the environment not only will make you proud of your accomplishments and your neighborhood, but it will serve those around you with fresher air and a cleaner future.
If you're a high school or college student, a busy schedule doesn't have to mean you can't help others. Volunteering can be anything from a few sporadic hours here or there to a significant commitment. Whatever time you have in your schedule, use it as an opportunity to live altruistically and serve others lovingly.


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Have a business that fits Loose Tea submit your Business or Services to Dmoz Directory, its always free. Clients can also submit and the Business owner can claim the business at anytime. Add Business
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LaSalle Hotel Properties (Buffett Intrinsic Value Analysis)
Improve your investment analysis with by seeing the LaSalle Hotel Properties's Discounted Cash Flow analysis, LaSalle Hotel Properties's Comparable Multiple analysis, and LaSalle Hotel Properties's Weighted Average Cost of Capital (WACC) Analysis.
Helpful Information for LaSalle Hotel Properties's Analysis
How does this work? The Warren Buffett Intrinsic Value Analysis, developed exclusively by WikiWealth, tries to mimic the value investing approach used by Warren Buffett. Value Investing Importance? This method is unique and experimental, but extensive testing on over 3,200 companies confirms the results to be surprisingly accurate and consistent with more advanced approaches.
Notes on the Buffett Analysis
Warren Buffett's formula was never published; however, from our research and Warren Buffett's hints over the years, this formula seems to be the most likely candidate. WikiWealth actually uses this formula in all our research reports in conjunction with Buffett's qualitative assessments of value. The numerator for this equation is found on the DCF valuation for LaSalle Hotel Properties. It's NOPAT + Depreciation - CapEx - Net Working Capital Change. The risk free rate is the US treasury rate, a standard risk free measurement.
The Warren Buffett intrinsic valuation is a simplified version of LaSalle Hotel Properties's discounted cash flow analysis. Click on the link to see the analysis. See LaSalle Hotel Properties's equity valuation for the complete analysis.


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- Diversified exposure to companies from the EMU
- Direct investment in a broad range of EMU companies
- Regional exposure
INVESTMENT OBJECTIVEThe Fund seeks to track the performance of an index composed of companies from developed countries in Europe that form part of the Economic and Monetary Union (EMU).
Important Information: Capital at Risk. The value of investments and the income from them can fall as well as rise and are not guaranteed. Investors may not get back the amount originally invested.Important Information: The value of your investment and the income from it will vary and your initial investment amount cannot be guaranteed.
All currency hedged share classes of this fund use derivatives to hedge currency risk. The use of derivatives for a share class could pose a potential risk of contagion (also known as spill-over) to other share classes in the fund. The fund's management company will ensure appropriate procedures are in place to minimise contagion risk to other share class. Using the drop down box directly below the name of the fund, you can view a list of all share classes in the fund – currency hedged share classes are indicated by the word "Hedged" in the name of the share class. In addition, a full list of all currency hedged share classes is available on request from the fund's management company
This chart shows the fund's performance as the percentage loss or gain per year over the last 3 years.
The figures shown relate to past performance. Past performance is not a reliable indicator of future performance. Markets could develop very differently in the future. It can help you to assess how the fund has been managed in the past
Share Class and Benchmark performance displayed in USD hedged Share Class Benchmark performance is displayed in EUR.
Performance is shown on a Net Asset Value (NAV) basis, with gross income reinvested where applicable. Performance data is based on the net asset value (NAV) of the ETF which may not be the same as the market price of the ETF. Individual shareholders may realize returns that are different to the NAV performance.
The return of your investment may increase or decrease as a result of currency fluctuations if your investment is made in a currency other than that used in the past performance calculation. Source: Blackrock
Key Facts
Key Facts
Portfolio Characteristics
Portfolio Characteristics
Sustainability Characteristics
Sustainability Characteristics
Sustainability Characteristics provide investors with specific non-traditional metrics. Alongside other metrics and information, these enable investors to evaluate funds on certain environmental, social and governance characteristics. Sustainability Characteristics do not provide an indication of current or future performance nor do they represent the potential risk and reward profile of a fund. They are provided for transparency and for information purposes only. Sustainability Characteristics should not be considered solely or in isolation, but instead are one type of information that investors may wish to consider when assessing a fund.
The metrics are not indicative of how or whether ESG factors will be integrated into a fund. Unless otherwise stated in fund documentation and included within a fund's investment objective, the metrics do not change a fund's investment objective or constrain the fund's investable universe, and there is no indication that an ESG or Impact focused investment strategy or exclusionary screens will be adopted by a fund. For more information regarding a fund's investment strategy, please see the fund's prospectus.
Review the MSCI methodologies behind Sustainability Characteristics using the links below.
What is the Implied Temperature Rise (ITR) metric? Learn what the metric means, how it is calculated, and about the assumptions and limitations for this forward-looking climate-related metric.
Climate change is one of the greatest challenges in human history and will have profound implications for investors. To address climate change, many of the world's major countries have signed the Paris Agreement. The temperature goal of the Paris Agreement is to limit global warming to well below 2°C above pre-industrial levels, and ideally 1.5 °C, which will help us avoid the most severe impacts of climate change.
What is the ITR metric?
The ITR metric is used to provide an indication of alignment to the temperature goal of the Paris Agreement for a company or a portfolio. Scientific consensus suggests that reducing emissions until they reach net zero around mid-century (2050-2070) is how this goal could be met. A net zero emissions economy is one that balances emissions and removals.
How is the ITR metric calculated?
The ITR metric is calculated by looking at the current emissions intensity of companies within the fund's portfolio as well as the potential for those companies to reduce its emissions over time. If emissions in the global economy followed the same trend as the emissions of companies within the fund's portfolio, global temperatures would ultimately rise within this band.
Note, only corporate issuers are covered within the calculation. A summary explanation of MSCI's methodology and assumptions for its ITR metric can be found here.
Because the ITR metric is calculated in part by considering the potential for a company within the fund's portfolio to reduce its emissions over time, it is forward-looking and prone to limitations. As a result, BlackRock publishes MSCI's ITR metric for its funds in temperature range bands. The bands help to underscore the underlying uncertainty in the calculations and the variability of the metric.
What are the key assumptions and limitations of the ITR metric?
This forward-looking metric is calculated based on a model, which is dependent upon multiple assumptions. Also, there are limitations with the data inputs to the model. Importantly, an ITR metric may vary meaningfully across data providers for a variety of reasons due to methodological choices (e.g., differences in time horizons, the scope(s) of emissions included and portfolio aggregation calculations).
There is not a universally accepted way to calculate an ITR. There is not a universally agreed upon set of inputs for the calculation. At present, availability of input data varies across asset classes and markets. To the extent that data becomes more readily available and more accurate over time, we expect that ITR metric methodologies will evolve and may result in different outputs. Where data is not available, and / or if data changes, the estimation methods vary, particularly those related to a company's future emissions.
The ITR metric estimates a fund's alignment with the Paris Agreement temperature goal. However, there is no guarantee that these estimates will be reached. The ITR metric is not a real time estimate and may change over time, therefore it is prone to variance and may not always reflect a current estimate.
The ITR metric is not an indication or estimate of a fund's performance or risk. Investors should not rely on this metric when making an investment decision and instead should refer to a fund's prospectus and governing documents. This estimate and the associated information is not intended as a recommendation to invest in any fund, nor is it intended to indicate any correlation between a fund's ITR metric and its future investment performance.
To be included in MSCI ESG Fund Ratings, 65% (or 50% for bond funds and money market funds) of the fund's gross weight must come from securities with ESG coverage by MSCI ESG Research (certain cash positions and other asset types deemed not relevant for ESG analysis by MSCI are removed prior to calculating a fund's gross weight; the absolute values of short positions are included but treated as uncovered), the fund's holdings date must be less than one year old, and the fund must have at least ten securities.
Business Involvement
Business Involvement
Business Involvement metrics can help investors gain a more comprehensive view of specific activities in which a fund may be exposed through its investments.
Business Involvement metrics are not indicative of a fund's investment objective, and, unless otherwise stated in fund documentation and included within a fund's investment objective, do not change a fund's investment objective or constrain the fund's investable universe, and there is no indication that an ESG or Impact focused investment strategy or exclusionary screens will be adopted by a fund. For more information regarding a fund's investment strategy, please see the fund's prospectus.
Review the MSCI methodology behind the Business Involvement metrics, using links below.
Business Involvement metrics are calculated by BlackRock using data from MSCI ESG Research which provides a profile of each company's specific business involvement. BlackRock leverages this data to provide a summed up view across holdings and translates it to a fund's market value exposure to the listed Business Involvement areas above.
Business Involvement metrics are designed only to identify companies where MSCI has conducted research and identified as having involvement in the covered activity. As a result, it is possible there is additional involvement in these covered activities where MSCI does not have coverage. This information should not be used to produce comprehensive lists of companies without involvement. Business Involvement metrics are only displayed if at least 1% of the fund's gross weight includes securities covered by MSCI ESG Research.
Registered Locations
Registered Locations
United Kingdom
Exposure Breakdowns
Exposure Breakdowns
Securities Lending
Securities Lending
Securities lending is an established and well regulated activity in the investment management industry. It involves the transfer of securities (such as shares or bonds) from a Lender (in this case, the iShares fund) to a third-party (the Borrower). The Borrower will give the Lender collateral (the Borrower's pledge) in the form of shares, bonds or cash, and will also pay the Lender a fee. This fee provides additional income for the fund and thus can help to reduce the total cost of ownership of an ETF.
At BlackRock, securities lending is a core investment management function with dedicated trading, research and technology capabilities. The lending programme is designed to deliver superior absolute returns to clients, whilst maintaining a low risk profile. Funds participating in securities lending retain 62.5% of the income, while BlackRock receives 37.5% of the income and covers all the operational costs resulting from securities lending transactions.
The information in the Lending Summary table will not be displayed for the funds that have participated in securities lending for less than 12 months. The figures shown relate to past performance. Past performance is not a reliable indication of current or future results.
BlackRock's policy is to disclose performance information quarterly subject to a one-month delay. This means that returns from 01/01/2019 to 31/12/2019 can be publicly disclosed from 01/02/2020.
Maximum on-loan figure may increase or decrease over time.
With securities lending there is a risk of loss should the borrower default before the securities are returned, and due to market movements, the value of collateral held has fallen and/or the value of the securities on loan has risen.
|Asset Class
|Weight %
The information in the Collateral Holdings table relates to securities obtained in the collateral basket under the securities lending programme for the fund in question. The information contained in this material is derived from proprietary and non-proprietary sources deemed by BlackRock to be reliable, is not necessarily all inclusive and is not guaranteed as to accuracy. Reliance upon information in this material is at the sole discretion of the reader. The primary risk in securities lending is that a borrower will default on their commitment to return lent securities while the value of the liquidated collateral does not exceed the cost of repurchasing the securities and the fund suffers a loss in respect of the short-fall.
The below table shows the Loan/Collateral Combinations and Collateral Levels for our European Lending funds.
|Collateral Types
|Loan Type
|Government, Supranational and Agency Bonds
|Cash (Not for Reinvestment)
|Government Bonds
|Corporate Bonds
We also accept selected physically replicating Equity, Government Bond, Credit and Commodity ETFs as collateral.
Collateral parameters depend on the collateral and the loan combination, and the over collateralisation level may range from 102.5% to 112%. In this context, "Over Collateralisation" means that the aggregate market value of collateral taken will exceed the overall on-loan value. Collateral parameters are reviewed on an ongoing bases and are subject to change.
With securities lending there is a risk of loss should the borrower default before the securities are returned, and due to market movements, the value of collateral held has fallen and/or the value of the securities on loan has risen.
|Listing Date
|Bloomberg Ticker
|Euronext Amsterdam
|Bolsa Institucional de Valores
|Bolsa De Valores De Colombia


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