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Crypto News Aggregator with voting system

Since Bitcoin's
beginnings in 2009, cryptocurrencies have gone a long way. While Bitcoin and
other cryptocurrencies such as Ethereum and Litecoin have grown in popularity,
they remain highly volatile and unsuitable for daily transactions. Stablecoins
come into play here.

Stablecoins are
cryptocurrencies that are meant to keep their value stable and provide
stability for routine transactions. We will look at the evolution of
stablecoins, from Tether to Central Bank Digital Currencies, in this article.
(CBDCs).

Tether Is
the World's First Stablecoin

Tether (USDT)
was the first stablecoin to gain traction in the cryptocurrency market. Tether,
which was launched in 2014, is a stablecoin that is tied to the US dollar, with
one USDT equaling one US dollar. Tether is intended to provide stability for
cryptocurrency traders and investors, who can use it to hedge against market
volatility. Tether has grown to become one of the most popular
cryptocurrencies, with a market worth of more than $60 billion as of March 2023.

Alternative
Stablecoins

Other
stablecoins have emerged after the debut of Tether, including USDC, DAI, and
TrueUSD. These stablecoins are intended to give the same level of stability as
Tether, but through various techniques. USDC, for example, is supported by a
group of firms, including Coinbase and Circle, and is routinely audited to
ensure that it is entirely backed by US dollars. DAI, on the other hand, is a
decentralized stablecoin backed by other cryptocurrencies like Ethereum.

Digital
Currencies Issued by Central Banks (CBDCs)

Stablecoins
have grown in popularity among cryptocurrency enthusiasts, although they are
not commonly accepted in the mainstream market. Central Bank Digital Currencies
(CBDCs) come into play here. CBDCs are digital counterparts to fiat currencies
issued by central banks. CBDCs, unlike cryptocurrencies, are backed by the
government's complete confidence and credit, giving them a higher level of
trust and stability.

CBDCs are still
in their infancy, but some central banks, including the People's Bank of China
and the European Central Bank, have begun to investigate the concept. CBDCs
have the ability to change the way we use money by providing various advantages
over existing fiat currencies and cryptocurrencies.

CBDCs Have
Many Advantages

CBDCs can
provide a more efficient and secure payment method, which is one of their
primary advantages. CBDCs can be transferred and received quickly, eliminating
the need for third-party middlemen such as banks or payment processors. This
can lower transaction costs while increasing payment speed and efficiency.
CBDCs can also provide a more secure payment system because they are backed by
the government's complete faith and credit.

CBDCs can also
help to make the financial system more inclusive. Traditional financial systems
can be exclusionary, with many individuals lacking access to fundamental
financial services, particularly in developing nations.

CBDCs can be
accessed via a smartphone, which is becoming more popular in developing
countries. As a result, CBDCs may offer a new opportunity for people to gain
access to financial services and participate in the global economy.

CBDCs'
Challenges

While CBDCs
have numerous potential benefits, there are several obstacles that must be
addressed. The possible impact on traditional financial institutions, such as
banks, is one of the key worries.

CBDCs, which
give an alternate method of keeping and transferring money, have the potential
to undermine the traditional banking system. This could result in employment
losses and lower profits for traditional banking firms.

Another issue
is the possibility of CBDCs being used for illegal purposes such as money
laundering or terrorism financing. Because of the anonymity and decentralized
nature of cryptocurrencies, it is impossible to track the flow of funds, which
criminals may abuse.

To address
these concerns, numerous central banks are investigating methods of
implementing CBDCs that ensure transparency and traceability. Some CBDCs, for
example, may demand customers to go through Know Your Customer (KYC) checks,
which can aid in the prevention of money laundering and other illegal activity.

Furthermore, certain
CBDCs may be structured with a tiered access scheme, in which users must supply
specific information in order to access different tiers of the system.

Another issue
to consider is the potential impact on privacy. CBDCs may capture and keep vast
quantities of personal data while providing a more secure and efficient payment
method. This has sparked concerns about the possibility of government
surveillance and infiltration into individuals' financial lives.

To address
these concerns, some central banks are investigating the use of decentralized
systems like as blockchain, which can allow anonymity while maintaining
transparency and traceability.

Stablecoins
and CBDCs in the Future

Stablecoins and
CBDCs are significant advancements in the way we use money. Stablecoins have
grown in popularity among cryptocurrency enthusiasts, although they are not
commonly accepted in the mainstream market.

CBDCs have the
potential to change this by combining the benefits of cryptocurrencies with the
stability and trust of traditional fiat currencies.

CBDC
development is still in its early phases, and it may be several years before
they are generally accepted. CBDCs, on the other hand, have enormous potential
benefits, and many central banks are looking into ways to implement them.

CBDCs, as they
become more common, have the potential to alter the way we use money and
deliver a more equitable, efficient, and safe financial system.

Is a digital
divide inevitable?

Central Bank
Digital Currencies (CBDCs) have been gaining momentum as many countries are
exploring the possibility of issuing their own digital currencies. While CBDCs
could bring many benefits, such as increased financial inclusion and
efficiency, there is a real risk that they could also widen the digital divide.

The digital
divide refers to the gap between those who have access to digital technologies,
such as the internet and smartphones, and those who do not. This gap can be
seen in both developed and developing countries, with many individuals lacking
access to the digital tools necessary to participate in the modern economy.

CBDCs could
widen the digital divide in several ways

CBDCs require
individuals to have access to digital infrastructure, such as smartphones and
internet connectivity, to access and use them. Individuals who do not have
access to these technologies will be excluded from the benefits of CBDCs,
including faster and more efficient transactions.

Moreover, CBDCs
could exacerbate existing inequalities in financial access. While CBDCs could
increase financial inclusion for those who are unbanked or underbanked, they
could also deepen the divide between those who have access to traditional
banking services and those who do not. In some cases, CBDCs could even replace
traditional banking services, further marginalizing those who are already
financially excluded.

Third, CBDCs
could increase the risk of digital fraud and cybercrime. With the rise of
digital currencies, cybercriminals have increasingly targeted individuals and
businesses with phishing attacks, malware, and other scams. The introduction of
CBDCs could create new opportunities for these criminals, further widening the
digital divide and putting vulnerable individuals at risk.

To mitigate the
risk of widening the digital divide, it is essential that CBDCs are designed
with inclusivity in mind. Governments and central banks must work to ensure
that digital infrastructure, such as internet connectivity, is accessible to
all, regardless of income or location. Additionally, CBDCs must be designed
with strong security measures to prevent fraud and protect vulnerable
individuals.

Conclusion

These and
stablecoins are the next phase in the growth of digital currencies. Stablecoins
have grown in popularity among cryptocurrency enthusiasts, although they are
not commonly accepted in the mainstream market. CBDCs have the potential to
change this by combining the benefits of cryptocurrencies with the stability
and trust of traditional fiat currencies.

CBDCs have the
potential to transform the way we use money by creating a more efficient, safe,
and inclusive financial system. However, issues such as the possible influence
on established financial institutions and privacy concerns must be addressed.

As CBDCs
evolve, it will be critical to solve these problems in order for them to
deliver on their promise of a stronger financial system.

This article was written by Finance Magnates Staff at www.financemagnates.com.
Read full article on FINANCEMAGNETS
Sam Bankman-Fried (SBF), the former CEO of FTX, now faces a 13-count indictment as U.S. officials have added new charges. One of the new charges alleges that SBF leveraged $40 million to influence "one or more Chinese government officials."
Details of the Bribery Charges Against Sam Bankman-Fried
Sam Bankman-Fried (SBF), the co-founder and former CEO of FTX, now faces charges of bribing Chinese government officials. "Bankman-Fried and others agreed to pay cryptocurrency to one or more foreign officials in China to influence and induce them to unfreeze the accounts in order to assist Bankman-Fried, Alameda, and others in obtaining and retaining business for, and directing business to, Bankman-Fried, Alameda, and others," the revised indictment states.
This is not the first time SBF's indictment has been revised. In February 2023, Bitcoin.com News reported that SBF's indictment was revised to include bank fraud charges. SBF faces other charges as well, including defrauding the Federal Election Commission (FEC), wire fraud, and securities fraud. The former FTX CEO has pleaded not guilty to the charges, but three of the firm's top deputies have pleaded guilty and are cooperating with federal prosecutors.
The revised filing indicates that Chinese officials reportedly seized two accounts owned by Alameda Research, SBF's quantitative trading arm, which were allegedly held on "two of China's largest crypto exchanges" in 2021. Once again, the revised indictment does not include any other defendants, and Sam Bankman-Fried is the only individual named.
With the addition of bank fraud charges last month and newly added bribery charges, SBF now faces a total of 13 charges from the Department of Justice in New York. He also faces lawsuits filed by the U.S. Securities and Exchange Commission (SEC) and the Commodity Futures Trading Commission (CFTC).
What do you think about the new charges SBF faces? Let us know your thoughts in the comments section below.
Read full article on BITCOIN.COM
Bitcoin price fell from $28K to $26.5K after the US CFTC sued crypto exchange Binance and its CEO Changpeng "CZ" Zhao for violating U.S. crypto trading and derivatives regulations. The crypto market considers this move as a continued regulatory crackdown against crypto.
With the crypto market already facing liquidity issues, action against Binance will further worsen the liquidity problem as it's the world's largest crypto exchange. According to data, Bitcoin trading on Binance accounts for over 80% after the collapse of FTX and Operation Choke Point 2.0.
Bitcoin Miner to Exchange Flow. Source: CryptoQuant
Miners have started selling their Bitcoin holdings. Bitcoin Miner to Exchange Flow metric indicates miners have transferred almost 1700 BTC to crypto exchanges on Tuesday. It increases selling pressure on Bitcoin from miners. This is the second-largest selloff by miners YTD after over 3K BTC selloff on January 19.
Moreover, Bitcoin Miner Reserve metric shows miners' BTC holdings also decreased. It confirms miners have started selling their Bitcoin holdings and it will trigger Bitcoin price downfall. It is important to monitor the situation daily.
Bitcoin Miner to Exchange Flow for Binance Pool data reveals that 1646 BTC transferred from the Binance mining pool to Binance exchange.
Bitcoin Miner to Exchange Flow for Binance Pool. Source: CryptoQuant
Bitcoin Price Fall To $25,000 Likely
Bitcoin price is currently trading at $26,951. The 24-hour low and high are $26,606 and $27,304, respectively. Thus, the BTC price is down nearly 3% in the past 24 hours. Trader sentiment remains relatively neutral, with Binance being sued and other recent uncertainties not affecting their expectations.
Bitcoin Price in Daily Timeframe. Source: Rekt Capital
As per popular analyst Rekt Capital, BTC close below $27,000 in the daily timeframe would be enough to trigger the breakdown process. Bitcoin is currently holding above the $26.5K level. However, uncertainties and monthly close risk Bitcoin price to reclaim the 200-weekly moving average (WMA)
Also Read: After CFTC, SEC Could Sue Binance Over Securities Offerings
The post Miners Dumping Bitcoin To Crypto Exchanges, BTC Price Reversal Below $25K Likely appeared first on CoinGape.
Read full article on COINGAPE
It is never easy to make predictions about future movements in the price of Bitcoin, but there is some data that bodes well.
These are not enough data to say that the price of Bitcoin is likely to rise, but if nothing else they reveal a scenario in which an eventual rise would be possible.
While we cannot precisely quantify what the real likelihood is that Bitcoin's price could continue the climb that began in January, at this time such a scenario appears to be at least plausible.
Current scenario and future scenarios: predictions for Bitcoin's price
Market value is simply the price at which trades, i.e., purchases and sales, take place.
This price depends primarily on the relationship between supply and demand. When there is balance between these two forces, prices tend to remain relatively stable, that is, to lateralize. But if the relationship becomes unbalanced toward demand, or toward supply, the price tends to move.
In particular for it to move upward it is necessary for the equilibrium to shift in favor of demand, and this can happen either by an increase in demand itself, or by a reduction in supply, or both.
Right now supply seems to be relatively stable. So in the event that there is a significant increase in demand, the price could go up if supply continues to remain stable.
According to the latest Bitfinex Alpha report, number 47, comparing the supply held by long-term holders (LTH) with the supply held by those who were last active a year ago or more, it can be seen that the former is decreasing while the latter is steadily increasing.
This reveals that long-term holders are currently selling, while those who bought during the bull run are buying.
The interpretation of this phenomenon given by Bitfinex analysts is that this is a positive phenomenon for the crypto market as it fuels demand from new entrants. This is coupled with a relatively stable and limited supply, indicating that if there is an increase in buying, the price may actually go up.
Moreover, Bitcoin's weekly spot trading volumes spiked last week, amounting to the highest level since mid-2021. So, in the event of an imbalance toward demand, there would also be the volumes at this time to be able to imagine a significant increase in price as a consequence.
While it is not possible to predict whether or not an increase in demand is upon us, these data clearly indicate that such a scenario is far from impossible.
In fact, recent entrants to the crypto market, particularly those who entered during the last bull run, appear to be continuing to buy and hold, making it possible to imagine an eventual increase in demand.
The comments of Bitfinex analysts
Bitfinex analysts commented on the report's findings, adding that the derivatives market last week saw Bitcoin futures trading volume approach $1 trillion on several exchanges, with open interest in Bitcoin options rising to $12.14 billion.
They stated:
"This suggests that institutional investors are increasingly participating in the market. – indicating that we may be in the early stages of a bull market. Even though this activity might sound enticing to investors, it is generally followed by increasing volatility."
Hence they are warning investors and speculators that although in theory this period could be the first phase of a bullish market, it could also be characterized by increased volatility.
Therefore, it may not trivially be a period of rising prices, but a period of fast and significant price movements that could eventually end with a de facto rise.
In addition, they point out how the BTC Long-Term Holder (LTH) Spent Output Profit Ratio (SOPR) is returning to a level above one over multiple time intervals, indicating that trades are being made at a profit.
They add:
"The behaviour of long-term Bitcoin holders selling their coins during current market conditions is consistent with previous bear market trends, which is a positive signal for the market."
These are merely signals, which in theory could also be denied at any moment.
However, the overall environment at this time seems positive, as also indicated by the Fear & Greed Index, which remained in sharply positive territory even after yesterday's decline due to the bad news regarding Binance.
Therefore, it seems that there would be conditions for a possible increase in the price of Bitcoin, as long as the demand for BTC in the market increases. For now, such an increase has not occurred, and nothing assures that it will.
Read full article on THE CRYPTONOMIST

By David Kindley, Market Strategist at Orbex

Fears of a global banking crisis are making headlines these days, after the collapse of three US banks and Credit Suisse's takeover by UBS. The level of economic uncertainty is now as high as it has been since the depths of the pandemic, with many fearing a repeat of the 2008 Global Financial Crisis – which incidentally was also brought about by the collapse of overleveraged financial services firms and banking companies.

But before we explore whether these fears are justified, we need to consider the events that led us here.

A historic inflation surge

When Covid-19 hit and global lockdowns came into effect, Central Banks started printing money, lowering key interest rates, and issuing stimulus checks to help keep the economy afloat. In this ultra-loose cheap money environment, digitalization and innovation took center stage with retail investors, hedge fund managers, tech companies, and even banks taking on cheap loans and overleveraged positions to help boost their profit margins.

As the economies reopened and as a result of all the disruptions in supply chains and the ongoing conflict in Russia-Ukraine, prices for basic goods and services skyrocketed.

The ultra-loose monetary policy of 2020-2021 drove inflation to a 40-year high of 9% in the US, ultimately forcing the Federal Reserve to rush into its fastest hiking cycle in modern history and setting off a process of "deleveraging" the economy.

The price of risk

As Warren Buffett once said: "Only when the tide goes out do you learn who has been swimming naked." Unsurprisingly, the first companies that defaulted on their loans or were forced to file for bankruptcy because they did not have enough capital on hand to cover customer withdrawals were investment companies and crypto exchanges that had re-invested their client funds and could not liquidate their positions as stock, crypto, and long-maturity bond prices plummeted.

When the Silicon Valley Bank collapsed on March 10 however, the world was alarmed, Signature Bank soon followed leaving crypto companies unbanked, and by the end of the same month, Credit Suisse was taken over by UBS.

Meanwhile, SVB-buyer First Republic and Germany's largest lender Deutsche Bank came under immense sell pressure and their stocks slumped amid fears over the banking sector's resilience. We also saw some bank runs in medium-sized banks with depositors trying to get their money in cash or transfer their money to bigger banks. But why exactly did this all happen?

A balance sheet recession

Much like tech and investment companies, banks invested a large proportion of their deposits in held-to-maturity securities or bonds. This led to their collapse when investors sought to withdraw their money at the same time. Combined with the drop in stock prices, analysts fear that this may lead to a "balance sheet recession."

In a balance sheet recession, sectors of the economy stuck with bad assets from a collapsed bubble are forced to sell, pay down, or otherwise dispose of those assets, in order to avoid bankruptcy. This in turn brings the net new borrowing grind to a halt. Given the latest banking crisis, there's a good chance we will experience a similar deleveraging state.

How bad is it?

Recoveries from balance sheet recessions primarily involve debt paydown and are usually painstakingly slow. Back in 2008, the world underwent a global financial crisis after cheap credit and lax lending standards fueled a housing bubble. When the bubble burst, major investment banks were left holding trillions of dollars of worthless investments in subprime mortgages. The bankruptcy of financial services firm Lehman Brothers in September 2008 was the climax of this housing crisis.

While the economic conditions that led to the 2008 global crisis at first glance look very similar to what we are experiencing today, a repeat of the 2008 crash is not very likely. For one, today we have more regulation and oversight in place resulting in much less risk in the banking system than 15 years ago.

There are also investor compensation funds in place to guarantee all deposits up to 100K in the EU and up to 250K in the United States. In the case of the SVB collapse, the Federal Deposit Insurance Corporation (FDIC) stepped in on March 13th, 2023, to guarantee that all depositors of the institution, regardless of account size, would be made whole.

The Fed remains hawkish

On Wednesday, March 22nd, 2023, the US Federal Reserve raised interest rates by 0.25%, reiterating the need for tighter credit conditions for households and businesses in order to bring inflation under control.

Not only did Fed chair Jerome Powell firmly dismiss market bets for a rate cut in 2023, but he also hinted at another 0.25% increase within Q2. At the same time, Capital Economics pointed out that deposits across all the banks have fallen by $663 billion in the past year as customers search for higher yield.

A fragile recovery

As smaller banks collapse, major banks are bound to become even more conservative in their lending.What it all comes down to is that less lending will lead to less spending and, by extension, less economic growth. Even if market volatility subsides in the coming weeks and months, less credit flowing into the economy means lower growth.

In fact, US and EU growth is projected to remain at below-trend rates in 2023 and 2024. At the same time, inflation is projected to trend lower in the next two years and if the Russia-Ukraine conflict ends, energy and food prices will eventually drop. When that happens, the Fed and other Central Banks are bound to start quantitative easing and we will see rates drop and lending ease, which will in turn mark the end of the current economic contraction cycle.

About the Author:

David Kindley, Market Strategist at Orbex

Market Strategist at Orbex David Kindley is a renowned fundamental analyst with over 10 years of trading experience in the financial markets. With a keen eye for macroeconomics and a special focus on trading psychology, David is passionate about helping everyday investors make informed trading decisions through his thorough research and analysis.

This article was written by Finance Magnates Staff at www.financemagnates.com.
Read full article on FINANCEMAGNETS
The CEO of investment management firm Vaneck has predicted a bull cycle for gold and bitcoin. "We are at the very beginnings of what could be a several-year cycle in gold, and I also put bitcoin in that category as well," the executive said, adding that the Federal Reserve is "close to the end of their tightening."
Bull Cycle for Gold and Bitcoin
Jan van Eck, CEO of investment management firm Vaneck, shared his prediction regarding gold and bitcoin in an interview with CNBC last week. His firm has $69 billion in assets under management.
When asked whether gold, at its present levels, should be viewed as an investment or a temporary trade that may yield additional profits, he replied:
We are at the very beginnings of what could be a several-year cycle in gold, and I also put bitcoin in that category as well.
"Finally, as a gold investor, you've been rewarded over the last couple of weeks. Weakness in the banking system and gold rallied. That's why you own gold," the executive continued.
The Vaneck CEO further explained that "it could be a two-year cycle" because he believes that "the Fed is close to the end of their tightening." The executive added: "The market is worried now about the consequences and it could take a year or more for those consequences to roll through the commercial real estate market, the banking and lending dynamics, [and] maybe we have a shallow recession." He elaborated:
At some point, the Fed is going to start easing, and that's when gold is really going to party.
Discussing gold and bitcoin, the Vaneck executive opined:
I think all the speculation is out of both of those markets.
Van Eck pointed out that bitcoin has surged nearly 70% this year, outperforming all other assets, and has rewarded "the people that own bitcoin for that thesis of wanting a hedge in their portfolio."
Last month, Pantera Capital said that we're already in the next bull market cycle for bitcoin. Last week, the Federal Reserve raised interest rates by 25 basis points. Some people expect the Fed to cut rates soon, including billionaire Jeffrey Gundlach. However, Fed Chair Jerome Powell stated that rate cuts are not in the Fed's base case. Economist Peter Schiff said the Fed has already returned to quantitative easing whether they admit it or not.
Do you agree with Jan van Eck? Let us know in the comments section below.
Read full article on BITCOIN.COM


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What to Seek in a Kindergarten
Preschools are universities that give little ones with an introduction to the world. They assist prepare them for college by educating them social abilities, freedom, and self-regulation. The kinds of programs vary, so select one based on the requirements of your youngster. Kindergartens frequently run in purpose-built facilities. Usually, they are part of the public school system, or managed by a private business or a volunteer moms and dad committee. In the US, Waldorf is one of one of the most prominent types of preschool. However, there are several kinds of preschool, as well as each has its very own ideology. Preschools might also use young child programs for more youthful youngsters. These programs are generally one to two hrs long, and happen in a class setting. Several preschools do not require a caretaker to be existing for the entirety of the class. If you wish to enlist your child in a toddler program, ask the director what the needs are. You must try to find a preschool that has a tidy as well as safe atmosphere. This is especially important for kids who are younger than three years of ages. Additionally, you ought to locate a program that has a staff of skilled specialists. Some kindergartens offer expert development for educators. When you explore the center, ensure you ask questions concerning the professors. A good instructor ought to have a favorable perspective, be engaging, and also apply favorable self-control. Be sure to find a location that is practical. Likewise, you might intend to ask about the educational program. In addition to ensuring that your kid has a secure and also healthy setting, you ought to try to find a program that will certainly aid them create their fine as well as gross electric motor abilities. These consist of hand as well as eye sychronisation, jumping, and also running. Play ground tools, such as swings, obstructs, and also climbing frameworks, can help your child improve their gross electric motor skills. You need to check to see if the preschool has a high turn over price of teachers. If the educator has a lot of experience, you'll be assured that she or he will have the ability to assist your youngster expand. It's likewise important to remember that not all day care centers are certified. Even if the preschool is licensed, it may not have all the required credentials. Make certain that the preschool has a supervisor with a NVQ 3 qualification. Usually, kindergartens have established objectives as well as activities for their courses. Teachers may review publications, sing tunes, or play games. Ensure your kid is well-nourished and also has age-appropriate playthings. Limitation screen time to a hr approximately a day, when possible. Parents must guarantee that their child is potty-trained before going to preschool. Most youngsters are potty-trained by the age of three. If your child hasn't been toilet-trained, try to find a preschool that provides a potty-training class. While choosing a preschool, you should try to find a location that is very easy to reach. You ought to also ask if the preschool has a habitable settlement for the staff. Depending on the type of preschool you select, the price might differ. Consult the state or your regional education and learning department to learn what you can expect to pay.
The Best Advice About I've Ever Written

subset: commoncrawl


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Stock Analysis
- United States
- /
- Banks
- /
- NasdaqGM:FFWM
Have Insiders Sold First Foundation Inc. (NASDAQ:FFWM) Shares Recently?
We wouldn't blame First Foundation Inc. (NASDAQ:FFWM) shareholders if they were a little worried about the fact that John Hakopian, the President of First Foundation Advisors & Director recently netted about US$1.6m selling shares at an average price of US$8.59. That's a big disposal, and it decreased their holding size by 22%, which is notable but not too bad.
Check out our latest analysis for First Foundation
First Foundation Insider Transactions Over The Last Year
In fact, the recent sale by John Hakopian was the biggest sale of First Foundation shares made by an insider individual in the last twelve months, according to our records. So what is clear is that an insider saw fit to sell at around the current price of US$8.69. We generally don't like to see insider selling, but the lower the sale price, the more it concerns us. We note that this sale took place at around the current price, so it isn't a major concern, though it's hardly a good sign.
Happily, we note that in the last year insiders paid US$218k for 15.88k shares. On the other hand they divested 214.17k shares, for US$2.1m. All up, insiders sold more shares in First Foundation than they bought, over the last year. The chart below shows insider transactions (by companies and individuals) over the last year. By clicking on the graph below, you can see the precise details of each insider transaction!
If you like to buy stocks that insiders are buying, rather than selling, then you might just love this free list of companies. (Hint: insiders have been buying them).
Does First Foundation Boast High Insider Ownership?
Another way to test the alignment between the leaders of a company and other shareholders is to look at how many shares they own. Usually, the higher the insider ownership, the more likely it is that insiders will be incentivised to build the company for the long term. Insiders own 11% of First Foundation shares, worth about US$53m. This level of insider ownership is good but just short of being particularly stand-out. It certainly does suggest a reasonable degree of alignment.
What Might The Insider Transactions At First Foundation Tell Us?
Unfortunately, there has been more insider selling of First Foundation stock, than buying, in the last three months. And our longer term analysis of insider transactions didn't bring confidence, either. Insider ownership isn't particularly high, so this analysis makes us cautious about the company. We're in no rush to buy! In addition to knowing about insider transactions going on, it's beneficial to identify the risks facing First Foundation. At Simply Wall St, we've found that First Foundation has 4 warning signs (1 is significant!) that deserve your attention before going any further with your analysis.
But note: First Foundation may not be the best stock to buy. So take a peek at this free list of interesting companies with high ROE and low debt.
For the purposes of this article, insiders are those individuals who report their transactions to the relevant regulatory body. We currently account for open market transactions and private dispositions, but not derivative transactions.
What are the risks and opportunities for First Foundation?
First Foundation Inc., through its subsidiaries, provides banking services, investment advisory, wealth management, and trust services to individuals, businesses, and other organizations in the United States.
Trading at 30.1% below our estimate of its fair value
Earnings have grown 29.2% per year over the past 5 years
Earnings are forecast to decline by an average of 10.4% per year for the next 3 years
Significant insider selling over the past 3 months
Volatile share price over the past 3 months
Share Price
Market Cap
1Y Return
Further research on
First Foundation
Have feedback on this article? Concerned about the content? Get in touch with us directly. Alternatively, email editorial-team (at) simplywallst.com.
This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.
About NasdaqGM:FFWM
First Foundation
First Foundation Inc., through its subsidiaries, provides banking services, investment advisory, wealth management, and trust services to individuals, businesses, and other organizations in the United States.
Very undervalued with flawless balance sheet and pays a dividend.


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The Central Bank Governor, Godwin Emefiele has said banks would continue to receive old naira notes and swap them fir new ones after they stopped being legal tender on February 10.
The CBN boss said this is in conformity with the provisions of section 20 sub-section3 of the CBN Act. He made the clarification on Tuesday during a session with the House of Representatives lawmakers.
Emefiele in his presentation said the introduction of the new Naira notes have helped curb Insecurity and banditry as well as recover the economy since it's introduction.
He further revealed that out of the over 2.7 trillion naira outside the banking system in 2022,1.9 trillion have been recovered by the Central Bank of Nigeria since November 2022.
Emefiele explained that "only about 900billion to 1 trillion is what the Central back is trying to get back into the system".
He faulted some commercial banks ,accusing them of breaching the guidelines given by the CBN on the distribution of the new notes,saying the apex bank is now working with anti-graft agencies to monitor the flow of the new notes to the people.


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14.6 liters to gallons
Before we start, note that "converting 14.6 liters to gallons" is the same as "converting 14.6 l to gal" and "converting 14.6 liters to US liquid gallons".
Furthermore, liters are liters, but be aware that we are talking about US Liquid Gallons and not Imperial Gallons. US Liquid Gallons is the measurement we use here in The United States. For example, we use it to measure gas at the pump and the amount of milk in jugs.
There are 0.264172052 gallons per liter. Therefore, the formula to convert liters to gallons is as follows:
liters x 0.264172052 = gallons
When we enter 14.6 liters into our formula, we get the answer to "What is 14.6 liters in gallons?" as shown below:
14.6 x 0.264172052 = 3.8569119592
14.6 liters = 3.8569119592 gallons
14.6 liters ≈ 3.86 gallons
Again, the answer above relates to US Liquid Gallons. To convert liters to Imperial Gallons instead, you would multiply 14.6 liters by 0.219969 which would result in 3.2115474 Imperial Gallons.
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British comedies skewer past and future
Chalcot Crescent
Fay Weldon
Europa paperback
In a world much like our own, but darker, Weldon imagines the life her younger, stillborn sister Frances might have had in an Orwellian 2013 England where the economy has truly tanked. The National Unity Government (NUG), "composed not of politicians but of sociologists and therapists," distributes National Meatloaf ("suitable for vegetarians") and monitors the mostly unemployed populace with CiviCams.
Frances, the narrator, 80, hides from the bailiffs come to repossess the house and recalls her youth, when she stole two of her sister's boyfriends and married one, became a famous novelist (while sister Fay moved to Australia and became a cookbook writer), had two daughters, and got divorced and remarried and divorced again.
She made a pile of money but heady splurging and bad investments have ruined her and now the bank wants the house she has lived in for 40-plus years. Her neighbors are gone, their houses abandoned, and NUG has commandeered the back gardens for a communal vegetable plot. Her son-in-law, a former research scientist, is now climbing the ranks of the National Institute for Food Excellence (NIFE) and keeps her in the occasional pound of real coffee or jug of milk.
In between reminiscences, regrets and might-have-beens, Frances faces the real-time antics of her grandchildren and cohorts, who invade her house as a meeting place for (possibly) terrorist activities and treat her with the timeless disregard of youth.
Weldon's sharp wit spares neither past nor present, from the Sexual Revolution and leftist politics of the 60s and 70s to the excesses of the 2000s and their aftermath: the Shock, the Crunch, the Recovery, the Fall, the Crisis and the Bite.
Frances' voice is sardonic, but tempered with the wisdom of age. Her satirical view spares herself no more than her family and fellow citizens. Vivid urban details of crumbling infrastructure, patriarchal rule and paranoia are as funny as they are realistic and chilling. Weldon fans will find her at the top of her game.
Love in a Cold Climate
Nancy Mitford
Vintage paperback
The eldest and funniest of the six legendary Mitford sisters, Nancy Mitford wrote three autobiographical domestic comedies narrated by the conventional, levelheaded and engaging Fanny Wincham, who observes the antics of those around her with wit and sympathy.
This is the middle of the three (between "The Pursuit of Love" and "Don't Tell Alfred") and still as enjoyable as it was when first published in 1949. All describe aristocratic England between the wars, when snobbery was an art form and women lived lives of pampered indolence, marked by balls and formal calls.
Fanny lives with an aunt and uncle "who had relieved my own divorced parents of the boredom and burden of bringing up a child," and has completed her London debutante season. At loose ends, she gladly accepts an invitation from the Montdores (back from years of "ruling India") to stay at their country estate and keep their only child, Polly, company.
The intimidating Lady Montdore has always been a ferocious snob and doting mother, but she is becoming alarmed. Polly, destined by beauty and blood for a great marriage, seems to have no interest. Indeed, Polly is disappointed to find that debutantes in England are as obsessed with love as those in India. " 'I thought perhaps in a cold climate...;.' "
After Polly's glittering London season, "(her) performance only lacking vitality and temperament to make it perfect," the girls see much of each other. Polly would phone, ask what Fanny was up to.
"'Aching,' I would reply, meaning aching with boredom, a malaise from which girls, before national service came to relieve them, were apt to suffer considerably."
During the course of the story Fanny marries and has children and Polly turns out to have a sensational secret, which leads to an unsuitable marriage and disinheritance. The Montdores, whose title and estate entails to a male heir in the wilds of Nova Scotia, invite the heretofore shunned young man to visit, and find themselves so smitten with the flamboyantly gay Cedric that Polly's marriage fades into insignificance.
Mitford's secondary characters — Uncle Davey who adheres to a health regime of "nothing in moderation," Uncle Matthew whose British indignation takes in just about everyone outside his immediate family — are Austenesque delightful, and her crisp prose pokes fun at every aspect of the hidebound tradition, snobbery and decadence of her class.
Vintage has recently reissued six of Mitford's novels, including this trilogy. Those who enjoy the novels of Evelyn Waugh (a friend) or Muriel Spark will appreciate Mitford's wry comedies.
Lynn Harnett, of Kittery, Maine, writes book reviews for Seacoast Sunday. She can be reached at firstname.lastname@example.com.


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INDIANAPOLIS — Indianapolis-born actor and comedian Mike Epps is being investigated after a loaded handgun was found in his backpack by TSA agents over the weekend.
Epps was in town Saturday for his Straight Jokers! No Chaser Comedy Tour at Gainbridge Fieldhouse along with Cedric the Entertainer, D.L. Hughley, Earthquake, and D.C. Young Fly.
According to the firearms investigation report obtained by WRTV, there was a .38 Special Airweight revolver in the backpack. It was loaded with four rounds of Hornaday .38 Special ammo.
None of the ammunition was in the chamber, according to the report.
Read more from WRTV here
Mike Epps Puts Indianapolis Landmark in National Spotlight
Happy Birthday Mike Epps! Take A Hilarious Look Back At His Funniest Movie Moments [Video]
Mike Epps Found With Loaded Handgun At Indianapolis Airport was originally published on wtlcfm.com
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Thanks, Ron DeSantis: Florida School District Pulls 'Ruby Bridges' Movie After 1 White Parent Complains
Minnesota Republican Claims Genocides Between Native Americans And White People Went 'Each Way'
WJZ News Anchor Fired After On-Air Racially Insensitive Remark
Silver Spring Whole Foods Apologizes To Woman Who Felt Discriminated Against
Philadelphia Tap Water Safe to Drink Officials Say, Despite Chemical Spill in Delaware River


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The Rise of Cryptocurrency Cryptocurrency has been on the rise in recent years, partly due to its increased mainstream adoption. While Bitcoin is themost well-known cryptocurrency, there are now over 12,000 different types in circulation. And it's not just individuals who are investing in crypto. Businesses are getting involved too. In 2019, Microsoft began allowing customers to use Bitcoin to buy content in its Windows and Xbox stores. And in 2021, Tesla made headlines when it announced that it had invested $1.5 billion in Bitcoin and would accept the cryptocurrency as payment. The appeal of cryptocurrency is clear. It'sborderless,decentralised, and secure. For businesses, that means lower transaction fees and reduced fraudulent activity. For individuals, it offers an alternative to traditional banking systems. Could Crypto Change the Way We Get Paid? With its growing popularity, it's not surprising that people are now interested in using cryptocurrency to receive their salary. After all, what's not to like about being paid in something that could increase in value? Over the past few years, several high-profile individuals have received part of their salary in Bitcoin. From famous sports stars like former Seattle Seahawk Russell Okung, musicians Mel B and 50 Cent and even politicians like Miami Mayor Francis Suarez. And it's not just celebrities and politicians interested in being paid in crypto. According to research conducted by SoFi, over a third (36%) of workers want the ability to receive part or all of their paycheck in cryptocurrency. Paying Employees in Cryptocurrency: The Perks So, what are the benefits of paying your employees in cryptocurrency? First, it could help you attract and retain top talent, particularly tech-savvy employees interested in working for forward-thinking businesses and Gen Z and millennial employees who are more comfortable with digital currencies. Second, the rise of global mobility means more employees are working remotely than ever before. According to the World Population Review, over 8 million US expatriates are working and living abroad. The think tank Institute for Public Policy Research (IPPR) estimates that around 5.5 million Brits are living abroad - that's almost 1 in 10 of the UK population! With more employees working internationally, business owners have to pay salaries in multiple currencies which often comes with high transaction fees and foreign exchange costs. However, cryptocurrency can be used to pay employees no matter where they are in the world without these additional costs. Finally, with the rise of stablecoins like USDT, the volatility risk is significantly reduced. Stablecoins have been trialled and tested by major companies like IBM, Facebook, and JPMorgan Chase. Essentially, these digital currencies are pegged to a real-world asset like the US dollar, which means they avoid the huge fluctuations in value often seen with other types of cryptocurrency. This means that businesses can be more confident about using them to pay their employees without worrying about the currency's value fluctuating. Risks of Paying Employees in Cryptocurrency Of course, there are some challenges associated with paying your employees in cryptocurrency. First, it's important to remember that the value of cryptocurrency is incredibly volatile. This week the news hit that the popular crypto exchange FTX filed for bankruptcy. This sent shockwaves through the financial industry as the company could owe over 1 million creditors. While this is an extreme example, it does serve to highlight the risks associated with cryptocurrency. For example, if you paid your employees in Bitcoin and the value of Bitcoin suddenly crashed, your employees would be left out of pocket. Compliance is another big issue. Cryptocurrency is still a relatively new phenomenon, and the regulatory landscape is constantly changing. That means that there's a real risk that businesses could inadvertently run afoul of the law by paying their employees in crypto. For example, countries like Egypt and Qatar have banned Fron t Cove r Fea t ur e 10 Finance Monthly.
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text: Goddess Athena at the Met The author is Johanna Baldwin, Times Square Chronicles I went in search of one gold coin. Having heard about The Met's exhibition, Pergamon and the Hellenistic Kingdoms of the Ancient World, I was sure to find what I was looking for. The particular coin I wanted to see was given to the heroine in my novel, All (Wo)men Desire to Know, that takes her on a mystical journey to the world of the Ancient Greek Philosophers. Plato had given my heroine a coin from his pocket to prove there are no true circles, that the edges of coins are imperfect. She examined the ancient coin closely running her fingers along its edges, and then stared at a woman's image on the face of the coin. It was Athena – Goddess of Athens – with an owl's open wings and olive leaves that tells the world that Athens is powerful, victorious and peace-loving. One of my favorite cities is Athens. Yet most of us can't afford to just jump on a plane and be where we want to be in a moment's thought. Even with Greece's current challenging disposition, I yearn for the heat of the city. Last time I wanted to be in Athens, I went to The Met instead, which my partner considers to be his church. The Met has a spiritual quality with all the cultures and languages and art cohabitating together. Continue Reading June 26, 2016


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Within the Coffea genus, there are four main species of coffee beans. The most common and economically relevant are Arabica and Robusta coffee beans, which account for more than 90% of global coffee production. The other types of coffee beans grown commercially are Liberica and Excelsa. Arabica and Robusta are the two most common types of coffee sold and produced in the world today.
But even though they're so common, most people have no idea what the difference is between them. When it comes to global production, Robusta coffee beans are second on the list and the most popular in Europe, the Middle East and Africa. It has a much fruitier character than Liberica, with an acidic acidity that makes it popular for adding complexity to coffee blends. Liberica trees grow much taller than Robusta or Arabica, and the coffee beans in these trees are larger and have a more irregular shape.
Although the Coffea liberica plant originated in West Africa, it is mainly cultivated in Malaysia and the Philippines. This information is certainly useful in identifying what to expect from a given coffee, but it doesn't tell the whole story. The Arabica coffee species is particularly prone to disease, so growing it in large quantities is a challenge. It's not everyone's cup of tea, but there are some exceptional Liberica coffees that can be enjoyed when they are well prepared.
As mentioned before, Arabica is the most common (and certainly the most commercialized) type of coffee in North America. This decision greatly helped the Philippine economy, as they were the only supplier of coffee for a time. Liberica beans are larger than others, often asymmetrical, and are the only coffee beans in the world that have such an irregular shape. We've said it before and we'll say it again, drinking coffee is all about finding what you like and getting on with it.
Like the Liberica coffee described above, Excelsa is mainly grown in Southeast Asia and represents only a small fraction of the world's coffee production. You're probably already familiar with this commonly produced coffee bean; it accounts for more than 60% of the world's coffee production. Ultimately, this led to the fall of the Liberica coffee bean in the world market, as no other country could match the production in which the Philippines had pioneered.


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Vacation rentals in Dunnigan
Find and book unique accommodations on Airbnb
Top-rated vacation rentals in Dunnigan
Guests agree: these stays are highly rated for location, cleanliness, and more.
Private room in Woodland
Spacious Master Suite in 2,500 sqft Home
Keyed master suite with attached bathroom and walk-in closet. Private 55" 4k TV with Dolby Atmos surround soundbar in bedroom. Walk-in shower and large tub. Guests are welcome to use the kitchen (stocked with most cooking hardware), living, laundry, family, and game rooms. 65" 4k TV with surround sound system in main living area. Complementary coffee and tea provided. Toiletries available upon request. 1 minute to hwy i5, 11 minutes to Sacramento Int Airport, and 12 minutes to UC/Downtown Davis.
$71 per night
Private room in Yuba City
New private and cozy bedroom
TRAVELING NURSES AND OTHER PROFESSIONALS WELCOME!!! The residence is a short distance from Highway 99 and Route 20! Notable close destinations include Rideout Hospital, Sutter North medical facilities, the Buttes and Beale Air Force Base. You will get the bedroom and shared bathroom pictured above. Includes portable AC unit for your comfort. Internet speed has been recently increased with 171 Mpbs download speed. Lastly, we have a quiet home located in a great, safe neighborhood.
$39 per night
Guest suite in Woodland
Country Studio Unit A 20 min SMF & UCDavis Campus
We have wonderful views of the Napa and Capay Valley mountain ranges. We're surrounded by almond tree orchards and have a secluded backyard where stargazing is a must. We're 30 minutes from Cache Creek Casino. 10-15 minutes from UC Davis, 20 minutes to SMF and 25-30 minutes to Downtown Sacramento. Please refer to my guidebook for our local favorites! Cheers!
$88 per night
Vacation rentals for every style
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Kids things to do
Discover Pinterest's 10 best ideas and inspiration for Kids things to do. Get inspired and try out new things.
Today I am sharing 30 fun things to do with kids while quarantined. It is official we were just notified that we will be out of school for at least the next
Things for kids to do when bored at home. Easy, fun, and simple activities to keep kids busy at home without a screen!
Just because we're all staying indoors much more these days doesn't mean you can't have fun! Here are 50 things to do with your kids indoors. 1. Build a Fort: My kids are obsessed with gathering all the pillows and cushions from around our house and building a massive fort to hang out and even…
Lauren Butler saved to Homeschool
Check out what's #1 on this list of free family activities to do on the weekend! #camping #funwithoutspending
Shawano Country saved to Family Fun!
with the plan to stay home the next few weeks, i've hopefully gotten through the worst of my panic mode about the fact that i forgot to buy any cauliflower WHATSOEVER lol. seriously woke up at 3am last night because of it. it's gonna be a long few weeks, but "social distancing" is the only … Continue reading "35+ things to do while you're stuck at home with kids"
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Wondering what to do with your kids at home all day? Check out this daily schedule for kids at home, with a free checklist of daily activities for kids.
You don't have to spend money to have fun with your kids and make great memories! This list of awesome FREE activities will keep you busy all summer long
Seaside Sundays saved to Parenting and Being a Mom
If this year taught us anything its that family is the most important part of our life. Spending quality time together single hanidly helped us manage the world together. Fun family traditions help create memories
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This post may contain affiliate links. Please read full disclosure here. An Huge Amazingly Inspirational List of Fun Activities to do With Your Kids! Having kids is the absolute best! It is exhausting, engaging, entertaining,
Für alle denen Zuhause die Decke auf den Kopf fällt habe ich Ideen gegen Langeweile gesammelt. In meiner Liste findet ihr verschiedene Vorschläge zur Beschäftigung Zuhause, die euch hoffentlich dabei...
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Do People Feel The Exact Same Guilt About Cheating?
Practical Question
The Answer
Hi Stan,
Let me start this by stating that your question is a little silly. Of course, ladies perform feel terrible once they do cheating conduct. (Occasionally maybe not, in many cases, but we'll can that in the next.) For the reason that women can be people. Absolutely really no reason for all the gender specificity within question. Positive, people are different in a few ways, and, on average, have various mental spectrums. But it is nothing like the genders are entirely different animals. If you should be asking questions like "tend to be ladies effective at seeing colour blue?" and "Can women smell a freshly baked pie taken from the oven," you ought to probably replace the phrase "women" with all the term "humans." In addition, simply normally, it really is an awful idea to close out you know some thing strong about human instinct according to a small set of observations about limited crowd.
More over, it is more and more true that ladies cheat more or less the same way that males do. Absolutely this misconception that guys are the promiscuous gender, that less mentally connected with intercourse, and that women are naturally a lot more driven in order to maintain set bonds. So there might grain of fact to the â I'm not an anthropologist, so it is difficult in my situation to state. But, historically, variations in cheating conduct resulted from differences in entry to intercourse, and perceptions toward it. Into the 1950s, countless person ladies remained at your home non-stop, and lots of person males went along to work environments where there had been females. This had foreseeable outcomes. At the same time, guys happened to be seen as sexual beings, but women needed to be chaste. Nowadays, that tight division features eroded notably, and anyone with a dating app on their cellphone could conceivably get set tonight (yes, actually you).
With that said, let us deal with a revised version of your question. Carry out feel poor when they cheat? Therefore the answer, regrettably, is actually "maybe." I wish i possibly could provide you with some type of pithy, universally appropriate little bit of wisdom that converted into all conditions, so you may be significantly less perplexed by real behavior. In this example, there isn't any such thing.
To begin with, we'll note something you've most likely observed yourself, and is that just about many people are fantastic at rationalizing unique steps. About 90% of that time, when anyone do sh*tty situations, they straight away believe, "But We have this excuse, therefore it does not mean I'm not a great person deep down." When it comes to cheating especially, the inner dialogue frequently goes along these lines: "We cheated, but I happened to ben't actually delighted sexually, thus I must have sex with some other person with regard to my personal joy," or "But I happened to be inebriated and so I really should not be held accountable," or "however it was actually merely a one-time thing and it also doesn't mean such a thing, my companion is clearly overreacting." The bravery and stability to confess you've done something wrong, hence excuses don't matter, is truly rare, and in most cases merely boasts a great deal of age and readiness. Again, this relates to all sexes.
Beyond this fact, it will get a bit more complicated, because each person cheat for several reasons. And that entails another type of emotional narrative. Ways In my opinion regarding it, you can find fundamentally four courses of cheaters: the single screw-ups, the unsatisfied, the semi-sociopaths, and anti-monogamists, Like any proposed unit of individuals into categories, this might be inexact, but i believe it will a fairly good task of shooting different types of infidelity. I'll clarify each one of these groups subsequently.
The one-time screw-ups are only that. They had gotten intoxicated, or they had gotten lonely, plus they happened to be on a small business travel, and a few adorable idiot had gotten handsy with them at a bar, and went together with it, because sometimes your own gonads overpower your higher mind. (actually, they actually do frequently.) And this refers to just a standard class of person error. Together with people that do that most likely feel slightly poor, like a distracted motorist which gets to a fender bender. But as it's maybe not premeditated, they may be able brush it well as a momentary hiccup inside their conduct, maybe not an important, continuous trouble with their particular self-identity.
The unsatisfied tend to be those who only are not acquiring what they want within union. Either they aren't moving away from, or they aren't acquiring taken seriously, or something, in addition they stay in their own recent relationships, nonetheless they should extend and simply take another thing through the world. (Or they feel like they should.) So they really take part in a discreet event thereupon sweet guy from their gym, which either destroys their own commitment or does not. And these people feel terrible, nonetheless can explain their particular activities regarding their unique starvation. And they are not completely wrong â sometimes their own lovers tend to be terrible. However, during the opinion of the columnist, they ought to truly attempt to fix their unique commitment, or question if they need in it, instead violating their partners' confidence.
The next class, the semi-sociopaths, include select few awful people everyone else worries about. These are typically people that simply don't care. They love their partners into extent that they're gratified, but ultimately, they simply need to optimize their enjoyment, and watch the rest of us's thoughts as secondary. (truly, just about everybody has hardly any this kind of selfishness deep-down, in the majority of people it generally does not control.) Needless to say, these people never think that terrible about cheating, although they might be outraged any time you cheated on them, because it's exactly about all of them. If this is your partner, escape. That is a personality type which is nearly impossible to reckon with.
At long last, the very last group, the anti-monogamists, tend to be humans which just are not set for monogamy, but, instead getting sincere and practical about this and welcoming a polyamorous lifestyle, for whatever reason, are nevertheless pretending they are able to generate monogamy work â maybe its frowned upon in their community, maybe they usually have monogamous dreams, perhaps they simply have not generated the leap yet. Typically, they do not think cheating matters whatsoever, and they're annoyed by the seemingly arbitrary indisputable fact that kissing some other person means that you've betrayed your partner. Consequently, they think terrible if they damage their lover because of unfaithfulness, however they are confused by whole idea that unfaithfulness is that odd. If you're with some body like this, and you are perhaps not in an open connection, you are probably working with a future cheater. Go on it under advisement, and perhaps change the details of relationship accordingly.
Now, at this time, when I've written about just how practically no one seems entirely terrible about cheating, perhaps you are considering, "Ugh, this type of person all beasts, I would personally never ever consider that way." And, frankly? You're probably wrong. We normally have very large objectives in the virtues of other people, but have countless forgiveness in regards to our own weaknesses. I don't know if you've ever duped. But if you did, you'll discover a way to reside with your self. As you need. Once you recognize this â that folks are nearly infinitely proficient at finding a convenient narrative that makes all of them the champion of their own story â it is a lot quicker to cope with the fact other folks cheat. We are all merely carrying out our best in connections, and, most of the time, all of our best is quite very very not even close to optimal.


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In a recent Vlive, BTS' Jungkook reenacted scenes from Netflix's The Glory and shared that he is enjoying the K-drama. This isn't the first time a global K-pop idol has shared their drama recommendations with their fans.
Although BTS members are usually busy with their schedules recording new music, shooting for advertisements, and music videos, they always try to invest some time in relaxing and rejuvenating.
The group's leader RM's leisure activities of visiting art museums, galleries, and nature have coined a new term called Namjooning. In the same way, the artists sometimes just like to relax at home and catch up with Korean dramas.
6 best K-drama recommendations by BTS
The world-famous singers BTS have always been appreciative of various artists from all walks of entertainment. Many of their Bangtan Bombs and Vlives feature them enjoying music and literature as they wait for their shoots.
The members have also shared various K-dramas they enjoyed in interviews. Out of these, this article will present some of the best that BTS and K-drama audiences prefer.
1) Kingdom – Jimin
While interacting with fans, Jimin mentioned enjoying Kingdom K-drama in response to their questions. When prompted to share his experience, he mentioned that it features many scary elements.
Kingdom starrs Ju Ji-Hoon and Kim Hye-Jun and is a period zombie K-drama. It is set in the unsettled kingdom of the Joseon Dynasty where a King is kept in isolation after he collapses due to smallpox. The Crown Prince will have to deal with the new zombie pandemic while he tries to regain his rights to the throne as an illegitimate son.
2) Sweet Home – RM
During an interaction with fans, RM answered their question about what he had been recently enjoying, by mentioning various books, music, and series. He also mentioned enjoying the Sweet Home K-drama, stating it was worth watching.
Sweet Home starring Song Kang is a fantasy-apocalyptic drama. It follows Cha Hyun-Soo, who shifts into an apartment building due to a tragedy, however, he soon has to face larger troubles. The city is attacked by monstrous creatures and people are locked inside in fear for their life.
3) Squid Game – Taehyung
Kim Taehyung was swept up with Netflix's popular K-drama Squid Game when it first released. The singer also dressed up as one of the pink guards during their Permission To Dance world tour in LA in 2021.
Squid Game starring Lee Jung-Jae and Park Hae-Soo follows 456 players who join a survival game show due to their financial debts. However, they will have to bet their lives while playing nostalgic games. The show received critical acclaim for portraying social problems.
4) Sky Castle – Suga, RM, and Jin
RM mentioned his excitement to catch the show's finale and Suga shared how RM wouldn't let him watch the show to avoid spoilers. The group's member Jin also mentioned watching Sky Castle due to all the hype.
Sky Castle starring Yum Jung-Ah and Oh Na-Ra is a melodrama set in a high-class neighborhood named Sky Castle. The drama follows four families as they push the limits to provide the best education for their children. This K-drama set new records with its take on Korea's education system.
5) Twenty-Five Twenty-One – Jungkook
Apart from Netflix's The Glory, BTS' Jungkook also mentioned watching Twenty-Five Twenty-One. He uploaded a screenshot of the K-drama through his Instagram account to share his enjoyment with fans.
Twenty-Five Twenty-One starring Kim Tae-Hee and Nam Joo-Hyuk is a nostalgic coming-of-age K-drama. It is set in 1988 and follows the budding romance of Na Hee Do, an ambitious fencing player on the High school team, and Baek Yi-Jin, who raises from his family's financial crisis and becomes a sports journalist.
6) Crash Landing On You – J-hope
During a Vlive, J-hope mentioned watching and enjoying K-drama Crash Landing On You. He also mentioned his wish to experience something similar in the future.
Crash Land On You starring Hyun Bin and Son Ye-Jin is a romantic K-drama. It follows the dramatic and comedic romance of heiress Yoon Se-Ri and North Korean soldier Ri Jyeong-Hyeok as Se Ri accidentally lands in North Korea after a paragliding accident.
Apart from this, BTS have also mentioned watching Lee Min-Ho starrer Boys Over Flowers. They previously also reenacted a parody of the K-drama. Moreover, they also acted along some of the famous lines from Guardian: The Loney and Great God and Hotel Del Luna during a BTS Run episode. Now, fans can add Jungkook's The Glory reenaction during Vlive to the growing list.
How many of the K-dramas have you watched and what are the K-dramas that you would like to recommend to BTS? Let us know in the comments below and follow Spiel Times for more K-drama and K-pop content.


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Keto Food List
Lazy Keto
Per 100g
Net carbs
Total carbs
Glycemic Index
Is Pastrami Keto-Friendly?
Yes, pastrami is considered a lazy keto due to the low number of carbs and sugars. You can enjoy this meat on the keto diet without breaking the ketosis state. Some people enjoy pastrami with pickles, cottage cheese, cooked asparagus, and lettuce wraps.
Lazy Keto
- There are 0.36 grams of net carbs per 100 grams of pastrami, making it suitable for the keto diet.
- Consuming minimal carbs throughout the day will maintain ketosis. This metabolic state encourages the body to burn fat and not glucose.
- Pastrami is also keto-friendly because it is low in sugars. Too much refined sugar promotes weight gain and slows down your results on this diet.
- You can consume pastrami with low-carb vegetables like asparagus, cucumber, celery, and bell peppers.
- One unique snack is to wrap some pastrami slices around celery sticks. This is great for people who need that quick boost of energy before exercise.
Moderate Amount of Fats
- Pastrami contains a decent amount of fats, but not enough for the keto diet.
- There are 5.82 grams of fat in 100 grams of this meat.
- You should get at least 70–80% of fat from your total daily calories. This ensures your body can function properly when losing weight.
- Not getting enough fat can lead to headaches, chronic fatigue, muscle weakness, stomach cramps, and mood changes.
- Alongside pastrami, consume more high-fat foods like salmon, eggs, cottage cheese, black olives, and avocado.
Low in Carbs
- Low-carb foods will push your body into a state of ketosis. Staying in this metabolic process burns visceral fat around important organs. Losing bad fat reduces the risk of heart disease, type 2 diabetes, and obesity.
- It's recommended that people stay under 30 grams of carbs a day on the keto diet.
- Eating pastrami as a snack or with dinner meals won't harm your progress.
- Most cured meats are suitable for this diet, including bacon, ham, and sausage.


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Physics > History and Philosophy of Physics
[Submitted on 14 Oct 2021 (v1), last revised 23 Jan 2022 (this version, v3)]
Title:Determinism Beyond Time EvolutionDownload PDF
Abstract: Physicists are increasingly beginning to take seriously the possibility of laws outside the traditional time-evolution paradigm; yet our understanding of determinism is still predicated on a forwards time-evolution picture, making it manifestly unsuited to the diverse range of research programmes in modern physics. In this article, we use a constraint-based framework to set out a generalization of determinism which does not presuppose temporal directedness, distinguishing between strong, weak and delocalised holistic determinism. We discuss some interesting consequences of these generalized notions of determinism, and we show that this approach sheds new light on the long-standing debate surrounding the nature of objective chance.
Submission historyFrom: Emily Adlam [view email]
[v1] Thu, 14 Oct 2021 18:25:11 UTC (37 KB)
[v2] Mon, 1 Nov 2021 13:24:33 UTC (35 KB)
[v3] Sun, 23 Jan 2022 20:10:29 UTC (41 KB)
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Season 1
Season 2
Who Killed Sara? (2021)
Hell-bent on exacting revenge and proving he was framed for his sister's murder, Álex sets out to unearth much more than the crime's real culprit.
Director: José Ignacio Valenzuela
Cast: Alejandro Nones, Carolina Miranda, Claudia Ramírez, Eugenio Siller, Ginés García Millán, Manolo Cardona
Stream Now: Stream Who Killed Sara? Series
Release: 2021


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Megan Fox and Machine Gun Kelly are on some very skinny ice proper now!
Over the weekend, the Jennifer's Physique alum sparked some main breakup rumors after she deleted all pics of her fiancé off her Instagram — and unfollowing him — earlier than deleting the account altogether. Some cryptic final posts even appeared to recommend she was calling out MGK for probably dishonest on her as she talked about "dishonesty." The pair had been noticed out holding arms and seemingly having a great time whereas leaving Drake's occasion on Friday night time, leaving many to marvel WTF occurred in between!
Associated: Nick Cannon's Followers PISSED After He Spoofs Christian Mingle Business
Properly, in line with the newest from Individuals on Monday, the lovebirds haven't *formally* known as it quits, but it surely's not trying very promising! An insider claims the couple "had a combat over the weekend" that made Megan "very upset." And it hasn't gotten higher as a result of the actress "received't communicate to" the Dangerous Issues crooner. She's even testing out the potential for a everlasting break up, the supply famous:
"They haven't formally known as off the engagement however Megan took her ring off. They've had points up to now, however issues appear fairly critical this time."
She "took her ring off"???
Uh oh!
From consuming one another's blood to not even talking to one another?? This doesn't sound good! Additionally, let's not neglect the 32-year-old rapper designed Megan's ring with thorns on the within so it'd "damage" her if she ever tried to take it off. So she should have been critical about ditching the bling!
As talked about, bother first arose for the couple on Sunday afternoon when the Transformers star uploaded a sequence of pictures of herself and a video of an envelope burning in a fireplace pit. She captioned the add with some pointed lyrics from Beyoncé's album Lemonade. You realize, the one all about JAY-Z being untrue! Megan wrote:
"You may style the dishonesty / it's throughout your breath."
Oof. Simply hours later, she ditched the app altogether, however not earlier than following simply three individuals: Harry Kinds, Timothée Chalamet, and MGK's nemesis Eminem! Looks like that must be a jab at her (perhaps?) ex-man proper?!
Associated: Amy Robach's Associates Say She's 'Making an attempt To Persuade Herself' TJ Is 'Actual Deal'!
Within the feedback of Fox's final put up, she immediately addressed dishonest hypothesis by replying to a fan who advised perhaps the musician had connected with "Sophie" (AKA Sophie Lloyd, the guitarist for his tour). The mom of three stored issues playful, quipping:
"Perhaps I acquired with Sophie"
All this has been coming to gentle whereas the "twin flames" had been mentioned to be partying collectively "each night time" throughout Tremendous Bowl weekend, in line with Leisure Tonight on Sunday, an insider informed the outlet:
"Megan and MGK have been collectively all of Tremendous Bowl weekend. They've been out at events collectively each night time, together with final night time and appeared wonderful."
That mentioned, a Web page Six insider did recall that MGK "appeared a bit off" whereas acting at Sports activities Illustrated's occasion on Saturday night time — notably with out Megan by his aspect! They dished:
"Final night time MGK additionally carried out at a celebration, however he appeared a bit off. His power was low, and the efficiency wasn't nice."
He additionally didn't carry out his hit Twin Flame, which was impressed by the pair's whirlwind relationship. Hmm. The couple introduced their engagement again in January 2022 after a sizzling and heavy (and generally controversial) romance that started in 2020. Might issues actually be over already?! What do YOU suppose, Perezcious readers? Allow us to your ideas (under)!


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Official Speeches, Press Releases, Media Coverage, Replies to Forum Letters, Parliamentary Replies, Media Replies and Clarifications issued by MSF. For media enquiries, please get in touch with our Communications Division.
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Minister of State Sun Xueling's speech at Care Corner Singapore 40th Anniversary Conference - "Forging New Pathways"


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With a tourist information center and views over the zoo, Olympic Plaza, Old City Hall and Chinatown, this downtown landmark is the ideal place to get your bearings.
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Expedia has 21 hotels and other accommodations within a mile from Chinook Centre.
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To access more information about changing or cancelling your stay near Chinook Centre, head over to our customer service page.
You might want to spend some time browsing the exhibits at Heritage Park Historical Village, The Military Museums, or Glenbow Museum. Stephen Avenue, Fort Calgary Historic Park, and Macnab Wing of the Holy Cross Hospital are landmarks that you won't want to miss. You can check out the local talent at Theatre Calgary, GRAND, and Southern Alberta Jubilee Auditorium.
With so many ways to get around, seeing the area around Chinook Centre is a breeze. You can take advantage of metro transit at Southland Station, Anderson Station, and Canyon Meadows Station. To see more of the larger area, ride aboard one of the trains from Calgary Heritage Station.


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14 Marla Double Storey House For Sale
Hashmi Garden, Bahawalpur, Punjab
6 Beds
5 Baths
14 Marla
- TypeHouse
- PricePKR2.7 Crore
- LocationHashmi Garden, Bahawalpur, Punjab
- Bath(s)5
- Area14 Marla
- PurposeFor Sale
- Bedroom(s)6
- Added1 year ago
Hashmi Garden is away from the hustle and bustle of the main city thus giving the peace of mind you need most. The House is in demand for all kinds of right reasons, so don't miss this chance. 14 Marla property is up for sale, so enquire today to make a booking. If you want to buy this property, then please consider booking it quickly - because our offers (you should know) are as liquid as they come! You can find abundant options for sale or rent in Bahawalpur. The price tag is set quite reasonably at Rs 27,000,000.
We can help you find the best property that suits your needs, so contact us today for more information.
We can help you find the best property that suits your needs, so contact us today for more information.
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DISCLAIMER: Interest rates may vary from the value shown on Zameen.com. Actual interest rate prevalent as per bank's policy will be applicable at the time of application.
Interest Rate
Monthly PaymentPKR2.68 Lakh
Bank Finance AmountPKR1.89 Crore
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Tips for Having a Mind-Blowing Theme Wedding Party
As one of the most unforgettable days in a couple's life, a wedding is a time to jubilate and celebrate commitment, joy, and love. However, having a special and memorable theme wedding party can take the ceremony to a whole new level. This article is for you if you need tips on how to organize


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she realizes her dream of opening a gym
Classes will start on Thursday, November 3 non-stop: Zumba, Zumba kids (8-10 years old), Pilates, muscle strengthening, stretching, yoga, Feldenkrais workshop and yoga course.
stand out
The project matured in the mind of the head of an interim agency for twenty-one years, Guylène Faurie, – who dreamed of being a classical dancer -, since she had discovered Zumba in an association. She remembers the improbable: "We even found ourselves doing Zumba in a parking lot because of the Covid. »
Unease at work grew. » I could not any more. I took my professional sports qualification certificate at the same time. I got it. Everything happened very quickly. My husband, a carpenter, was a great support. »
The manager wants to stand out. "It's a family room, the opposite of video lessons. His sister Marie Pierre will host the Feldenkrais workshop once a month. At Guylène Faurie Zumba and muscle building; Sabrina Cogé, formerly coach at the Cognac entertainment center, will teach Pilates; Candy will offer muscle strengthening and stretching.