Bankroll – 6 Toros 6 Fri, 11 Jun 2021 10:52:36 +0000 en-US hourly 1 Bankroll – 6 Toros 6 32 32 Santander signs $ 550 million subprime loan settlement in 34 states Mon, 19 Apr 2021 02:37:40 +0000
Law360 (May 19, 2020, 6:10 p.m. EDT) – A Santander Group consumer credit unit has reached a $ 550 million settlement with 34 states over allegations it made subprime auto loans to risk without proper oversight, creating a greater chance that consumers will default and repossess their vehicles, a coalition of state attorneys general said on Tuesday.

Led by Illinois Attorney General Kwame Raoul, the coalition has struck a deal that will require Santander Consumer USA Inc. to pay $ 65 million in restitution for some consumers and to write off up to $ 498 million in loans. The lender will also pay $ 5 million in civil penalties and $ 2 million for a settlement administrator to take care of …

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Now enjoy instant loans of up to Rs 1 crore against ICICI mutual funds Mon, 19 Apr 2021 02:37:40 +0000 The completely digital and paperless facility allows customers to avail this loan in the form of an overdraft (OD), without going to a branch and without submitting any physical documents.

ICICI Bank has announced the launch of a facility that allows retail clients to obtain a loan of up to Rs 1 crore instantly by pledging their holdings into mutual fund debt and equity programs. The completely digital and paperless facility allows customers to avail this loan in the form of an overdraft (OD), without going to a branch and without submitting any physical documents. Called “Insta Loans against Mutual Funds”, the mechanism was launched in partnership with “Computer Age Management Services” (CAMS), a registrar and transfer agency for mutual funds. “Insta Loans against Mutual Funds” is an extension of Insta LAS, an instant loan facility against shares, which the Bank launched over a year ago.

With “Insta Loans against Mutual Funds”, the millions of pre-approved clients of the Bank have the possibility to select the mutual fund system and the number of units they wish to pledge, to confirm the amount of the loan and set the OD limit in a few simple clicks on the bank’s online banking platform, the bank said in a statement. The facility is open to clients of the Bank holding units of mutual funds managed by CAMS. This offer is convenient for customers in the current pandemic scenario, as it allows them to take care of their cash flow by pledging assets, without leaving the comfort of their homes.

Speaking about the initiative, Rajesh Iyer, Head-Wealth, Private Banking and LAS, ICICI Bank said, “ICICI Bank has offered many retail products instantly to its clients by leveraging data analytics and technology. . In recent years, the list of instant products introduced by the Bank includes Instant Credit Card, Instant Personal Loan, Instant Home Loan, Instant Car Loan, Instant Credit called Paylater, Instant Overdraft Facility for MSME and the instant opening of public provident funds. Fund Account Facility and InstaLAS. This new facility, “Insta Loans Against Mutual Funds,” is an extension of that effort. “

“We are pleased to partner with CAMS on this facility to provide full digital access to mutual fund loans to our clients. With this feature, clients can leverage their mutual fund holdings to instantly access funds. We believe that in these extraordinary times of the coronavirus pandemic, this offer will help both independent clients looking for funds for their business as well as salaried clients to meet their personal cash flow needs. In addition, they will be able to take advantage of this facility anytime, anywhere, using the Bank’s online banking platform, ”he added.

Speaking about enabling the digital solution, Anuj Kumar, President and CEO of CAMS, said, “Using technology to improve the client experience of mutual funds has been a priority area for CAMS. . We’re excited that our portal is growing even further to serve mutual fund clients in new ways. Working with ICICI Bank to design a 100% digital solution for mutual fund lending will help establish higher service standards and a superior customer experience. This is an important step in our journey of service to mutual funds.

This facility can be used by scoring a lien on existing mutual funds served by CAMS, with a few simple clicks. It is available for resident Indians and for wallets which are individual holdings.

Some of the main features of “Insta Loans for Mutual Funds” include: instant access to funds; flexibility of mutual funds; advantage of OD, no fixed EMI; no entry fees.

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Oscar nominee Willem Dafoe reflects on his avant-garde roots and Hollywood career Mon, 19 Apr 2021 02:37:39 +0000

Actor Willem Dafoe travels and works abroad most of the year, but considers New York to be one of his home bases (the other being Rome), since arriving on the scene. in 1976.

He was a founding member of the experimental theater company The Wooster group, with whom he remained for over 25 years, becoming romantically involved with director Elizabeth LeCompte. The two separated in the early 2000s, and Dafoe left the company. “I could get sentimental but I just as coldly admit that it was my formative years and the people I worked with, especially Liz LeCompte, really shaped me,” says Dafoe, now 62.

Since then he has worked regularly in theater and film and this year was nominated for an Oscar for Best Supporting Actor for his turn as a low budget motel manager in Sean Baker’s film “The Florida Project”. the Berlin International Film Festival also awarded Dafoe the Honorary Golden Bear for Lifetime Achievement.

“I’m pretty proud and pretty flattered because it’s a very pure festival in a lot of ways, and I’ve seen a lot of great movies there,” Dafoe said.

The actor spoke to MarketWatch about his early days in the theater, being attracted to “the other” and juggling blockbuster movies. An edited transcript.

Is there a space in New York that has been one of your introductions to acting?

When I first came to New York, I intended to be a commercial theater actor, but found myself going downtown to places like The Kitchen or Collective for Living Cinema. Need these people, [being] activated by these people. Really, when I went to the Wooster group and saw the work there, I was sold. I just hung out there and crept into the fabric of the business because what they were doing turned me on.

“Going to something that you are not and then becoming it. This transformation, this change of understanding, this change of impulse is what is beautiful about performance.

– Willem Dafoe

Do you still attend from time to time?

I didn’t because I’m not in New York often. I still do theater, but not with them. I have been a life partner with director Elizabeth LeCompte for many years. And when we broke up personally, I thought we could continue to work together but it became too difficult. So I wouldn’t say I’m separated, but it’s not like I’m there often. I haven’t seen the work because I don’t want to disrupt anything, and the business has changed quite a bit as well. When I started, I was the youngest in the company. By the time I left, with the exception of Liz, I was the oldest. So that has changed a lot.

Is New York theater as experimental as it was then?

When I got to town there were a lot of bands that were really scruffy, artists who wanted to do work that would find factory spaces and convert them into performance spaces. It was a very exciting time. I think those days are over, in part thanks to real estate. This world still exists, but it has become more sophisticated. I started to see that even when I was in the Wooster Group, there were people who would come to do an internship with us and study the Wooster Group at school. We used to do plays and work that we thought was the last thing we were going to do. We did not see ourselves as an institution or a business. But over time, those that survived have become businesses and institutions. I think people study them and there is this feeling that you can have a career at the forefront.

It sounds a bit like what has happened in the art world. You know, when I got to town, SAMO, or Basquiat, was doing things in the streets. All of this, I don’t know if the word is “commodified”, and it has become a business. I’m not crying it’s bad development, it’s just naturalization of form. If there are still some scruffy little groups, I’m sure there are, but I don’t know them.

Was filming “The Florida Project” similar to working in the Wooster group?

Yes, for several reasons. Your resources are very limited. You shoot real things with things that you make up. You also work with a wide range of backgrounds and people. The casting is intergenerational. You have people who have never played next to people who have played for many years. You have people who really live the life of the story we’re talking about and who are involved in the production. So there is an almost neorealistic approach and there are parallels with what we have done in the Wooster Group.

“The Florida Project” shows restraint and much of the story is told in silence. Was it refreshing for you?

Very, because we do not sell anything. We let a story unfold. [Director Sean Baker] trusts the place, the people and the situation to make history. Keep in mind that he had a really strong script and the script was beautiful. But the filming process made those scenes, but it also invited accidents to happen and those silent moments to happen. Volumes can be spoken without words.

You have just finished “At Eternity’s Gate”, in the role of Vincent Van Gogh, which takes place in France. Is it right for you to work in Europe?

I love working in Hollywood, but I also find a lot of opportunities in independent cinema and in films outside of this country. Also, I think it’s worth saying that even the American films I make are often shot outside the country. I’m always interested in stories that aren’t culturally related, that aren’t specifically designed for a certain culture. What I like trying to do as an actor is focus on the essentials. I like films where you don’t need to have any other reference other than just watching them. I always think about the first time I saw a Satyajit Ray movie, what a mind-blowing experience it was, and how much projection and how much empathy I can go with the characters because I don’t know anything about them. It’s a world I don’t know. There is always an element of adventure, a part of the other and a part of foreigners that attracts me. A big part of creating is going to something you don’t know, getting close to it, and finding out what your relationship is to it. Go to something that you are not and then become it. This transformation, this change of understanding, this change of momentum is what is beautiful about performance.

Your career balances indies with blockbusters like “Aquaman” and “Justice League”. How do the projects differ for you?

Everything is efficient, everything pretends, everything makes things. With each shooting experience, you have to identify what you are doing and what the job is. You don’t have to articulate absolutely, but you have to recognize how you fit in the community. If a film set is a community, you need to know what your function is. Your function, your intention, its place in the culture and the intention of the film are always different. Partly that’s why I like to mix it up, so you don’t get stuck. So you challenge your own beliefs. If you keep changing functions I have found that you are more on the move and more flexible. I think flexibility is everything for an artist. It’s not just about doing a series of things, it’s about the ability to respond intuitively that is not a conditioned response.

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How Retailers Can Adapt to Rising Customer Expectations Mon, 19 Apr 2021 02:37:39 +0000

A lot of people are talking about the great retail apocalypse. On the surface, negative titles paint a grim picture for just about everyone except Amazon. Despite these seemingly dark times, a retail renaissance is currently underway, paving the way for a brighter future for the entire industry.

As the co-founder of, an AI-powered customer chat platform for retailers, I have witnessed firsthand this “retail renaissance” and the systemic trends shaping its future. To offer a more positive view of the current and future state of retail, I decided to take the pulse of those who are really in the trenches by creating a virtual roundtable of global retail leaders leading the way. charge and embrace change.

From fashion to automobiles to home appliances, I interviewed a select group of seasoned retail executives to help explain the driving forces behind retail transformation and how brands can adapt and thrive in a mobile and AI driven retail world.

Rising customer expectations

The new generation of buyers are increasingly looking for instant gratification – the same level of immediacy they are used to with their phones.

Noam Paransky, senior vice president of digital at Gap Inc., noted that consumers “want things to be faster and more relevant. They seek a high level of interaction. This obsession with the “now” is forcing retailers to change the way they operate in order to be more agile. Customers are looking for what I call “on-demand brands,” companies that can add value instantly.

To adapt to this new concept of real-time relevance, re-merchants need to adopt a just-in-time mindset, not only in terms of inventory but also in terms of messaging. This is how they will win the battle in an ever-active world.

Seamless omnichannel experience

With the emergence of mobile as the preferred customer channel for commerce, the line between online and in-store purchases is increasingly blurred, if not blurring. As a result, brands need to rethink the entire omnichannel experience to feel as smooth and frictionless as possible.

Jeff Pearson, senior vice president of e-commerce and marketing at LIDS Sports Group, summed it up well, explaining: “I like to use the words ‘unified commerce’ as opposed to ‘omnichannel’ … hui want to be able to shop what they want, find what they want, buy what they want, anywhere, anytime.

In order to meet these expectations, retailers must rethink customer experiences in order to reduce the barriers between the physical world and the digital world. The ultimate goal: to eliminate friction in the customer journey.

Rich conversations with customers

According to Jim Lyski, Marketing Director of CarMax, conversational AI technology may just be the long-awaited glue of omnichannel. He told me: “The more complex the customer journey, the more likely you are to lose customers. Chatbots help keep the process running smoothly and eliminate friction.

With a hybrid use of AI and human assistants, brands like CarMax can now unlock rich customer conversations at scale, 24/7. I believe that the ability of brands to continue engaging with customers over a period of time is the future of customer engagement outside of the four walls of a store.

Every month a huge 8 billion messages are sent between businesses and customers on Facebook Messenger only. Customers increasingly expect businesses to be available via SMS, forcing brands to rethink their communication strategies. Ultimately, customers want to access businesses and services when and where they want to be, and that increasingly means in messaging applications where they spend most of their time chatting with their customers. friends.

Data-driven personalization

The more brands open up channels of communication with their customers, the more they can learn from those interactions and get the right data to further personalize experiences. Grégoire Brasset, vice-president and general manager of Lacoste Canada, told me: “TThe future of retail is about creating a personalized experience through product personalization and specific customer considerations.

Global brands sit on vast amounts of data, but only a handful are actually leveraging it to their full potential. Peter Weedfald, senior vice president of sales and marketing at SHARP Home Appliances, believes this is a huge untapped opportunity and offers a unique perspective: “CRM means ‘Consumers Really Matter’. Unfortunately, most businesses spend millions on CRM and still do a lousy job of personalizing the customer experience with data. ”

I think that he is right. Individual personalization is the real promise of data lakes if used correctly. When a brand’s data is organized in a way that is easily accessible to both store associates and virtual agents (AIs), the degree of personalization of the experience can increase exponentially, as can customer satisfaction.

Bring the human touch to the store, online

Despite the high expectations, AI and data alone is not the answer. Even the most tech-savvy retailers believe that humanity should always be at the center of interactions.

By leveraging new technologies like AI to augment store associates – not replace them – retailers can give their team the superpowers they need to deliver exceptional customer service.

Ultimately, the future of retail mirrors its past. It’s about putting the customer at the center of everything. In my experience, thinking about people first almost always leads to more profit. Sometimes customers just want to have a simple conversation.

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Trump complains that female White House journalists aren’t like Donna Reed – but neither was she like the housewife she played Mon, 19 Apr 2021 02:37:38 +0000

Don’t believe everything you see on TV, Mr. President.

Donald Trump complained that two women journalists from CBS News in particular irritated him during his coronavirus briefings, told the New York Post in an interview that went viral, “It wasn’t Donna Reed, I can tell you that.”

The President was referring to the late Oscar-winning actress who came to play the ideal housewife of the 1940s and 1950s in roles such as Mary Bailey in “It’s a Wonderful Life”, as well as her hit series “The Donna Reed Show” . which worked on ABC DIS,
from 1958 to 1966.

But Reed, who died of pancreatic cancer 34 years ago at the age of 64, was a very different woman than the one she played on screen. She was one of the first women’s rights defenders and became known as a “troublemaker” in Hollywood by advocating for better roles, as well as calling most directors incompetent who “hated women”. (That’s, she said, “that’s why they make their female characters as obnoxious as they can be.”)

Her too furious studio executives by breaking with the image of housewife they had cultivated for her. She played a prostitute in “From Here to Eternity” – which won her an Academy Award.

Additionally, she was a political activist who protested against the Vietnam War. She said at the time, “I love my country, but I feel it has derailed. It’s my way of helping him find his way back.

And many reviews on Twitter TWTR,
were quick to mentor President Trump on the subject:

The New York Post, a sister publication of MarketWatch, had spoken to the president about his controversial White House coronavirus briefings, which have been tabled since he faced sharp criticism over controversial comments on the using UV light and disinfectants to treat the coronavirus a few weeks ago a few years ago, as well as his almost daily fights with reporters.

Trump has revealed that he enjoys trading beards with the press and that he thinks the public loves him too.

“I’ve been told that some people don’t like the combative attitude so much. And I can sort of understand that. But I would say from the point of view of watching it and wanting to watch it, that would be more interesting than asking boring questions, ”he said. “And you know, at the same time, they shouldn’t be asking the same question every press conference just trying to get a raise, you know.”

And two reporters he pointed out as being particularly guilty of this were CBS’s Weijia Jiang and Paula Reid. “Paula Reid, she’s setting there and I say, ‘What anger. I mean, what’s the point? ‘ It’s not even hard questions, but you see the attitude of these people, it’s amazing, ”he said.

Reid responded on Twitter on Tuesday, writing that the president said, “I am nothing like the archetypal 1950s American mother Donna Reed. Fact check: true. ”

Jiang tweeted, “The president told me to be ‘nice and easy’ three times out of the last four times that I asked him a question.”

Several viewers and fellow journalists took their defense.

Trump had not addressed Donna Reed’s remark or responses to it Tuesday at noon.

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Vernon Jordan, activist and former Clinton adviser, has died aged 85 Mon, 19 Apr 2021 02:37:38 +0000 ATLANTA (AP) – Vernon Jordan, who rose from humble beginnings in the segregated South to become a civil rights champion before reinventing himself as a Washington insider and corporate influencer, has died, according to a statement from his girl. He was 85 years old.

Jordan’s daughter, Vickee Jordan Adams, released the statement to CBS News on Tuesday.

“My father passed away at around 10 p.m. last night surrounded by his relatives, his wife and daughter by his side,” she said.

After stints as field secretary for the Georgia NAACP and executive director of the United Negro College Fund, he became leader of the National Urban League, becoming the face of black America’s modern struggle for employment and justice for over a decade. He was nearly killed by a racist bullet in 1980 before moving on to business and politics.

His friendship with Bill Clinton took them both to the White House. Jordan was an unofficial assistant to Clinton, which got him into controversy during the Monica Lewinsky scandal.

After growing up in the Jim Crow South and living much of his life in a segregated America, Jordan took a strategic view of race issues.

“My take on all of this race stuff is never to get angry, no, but to get revenge,” Jordan said in a New York Times interview in July 2000. “You don’t take it out. with anger ; you pull it out successfully.

Jordan was the first lawyer to lead the Urban League, which was traditionally run by social workers. Under Jordan’s leadership, the Urban League added 17 more chapters and its budget grew to over $ 100 million. The organization has also broadened its reach to include voter registration campaigns and conflict resolution between blacks and law enforcement.

He resigned from the Urban League in 1982 to become a partner at Akin, Gump, Strauss, Hauer and Feld.

Jordan was a key campaign advisor to Clinton during his first presidential campaign and co-chaired the Clinton transition team. He was the first black person to be given such a role.

His friendship with Clinton, which began in the 1970s, has evolved into a partnership and political alliance. He met Clinton as a young politician in Arkansas, and the two bonded because of their Southern roots and poor upbringing.

Although Jordan did not hold any official role in the Clinton White House, he was very influential and had labels such as “first friend”. He approached Colin Powell to become Secretary of State and encouraged Clinton to pass the NAFTA agreement in 1993. Jordan also got a job at Revlon for Monica Lewinsky, a White House intern whose sex with the president caused a scandal.

Jordan’s actions briefly caught the attention of federal prosecutors investigating Clinton’s actions, but he was ultimately not mentioned in a final report released by Special Prosecutor Ken Starr.

Vernon Eulion Jordan Jr., was born in Atlanta on August 15, 1935, the second of three sons of Vernon and Mary Belle Jordan. Until the age of 13, the family lived in social housing. But he was exposed to Atlanta’s elite through his mother, who worked as a caterer for many of the city’s wealthy citizens.

Jordan attended DePauw University in Indiana, where he was the only black in his class and one of five in college. Distinguished by his studies, his oratory and his athleticism, he obtained a bachelor’s degree in political science in 1957 and continued his studies at Howard University School of Law in Washington. There he married his first wife, Shirley Yarbrough.

The young couple moved to Atlanta after Jordan graduated with a law degree in 1960, and Jordan became a clerk for civil rights attorney Donald Hollowell, who successfully represented two black students – Hamilton Holmes and Charlayne Hunter – tempting to enter the University of Georgia. In an iconic photograph, Jordan, a towering 6ft, 4in, is seen holding off the white crowd who tried to stop Hunter from starting his first day of class.

In 1961 Jordan became Georgia Field Secretary for the National Association for the Advancement of Colored People. During his two years in that role, Jordan built new chapters, coordinated protests, and boycotted companies that would not employ black people.

Jordan moved to Arkansas in 1964 and went into private practice. He also became director of the Southern Regional Council’s voter education project. During his tenure, millions of new blacks registered to vote and hundreds of blacks were elected in the South.

Jordan considered running for the fifth seat of the Georgia Congressional District in 1970, but was selected that year to lead the United Negro College Fund. Holding the position for just 12 months, Jordan used his fundraising skills to fill the organization’s coffers with $ 10 million to help historically black college and university students.

In 1971, following the death of Whitney Young Jr., Jordan was named the fifth president of the National Urban League, which is dedicated to empowering African Americans to enter mainstream economics and society.

“I think working with the Urban League, NAACP, PUSH, and SCLC is the highest form of service you can give to black people,” Jordan said in a December 1980 interview in Ebony Magazine. “And if you serve black people, you also serve the country. So if I’m doing a good job here, black people aren’t the only beneficiaries; the country too. The country has a vested interest in black people doing well. “

The high-level position brought him into the crosshairs of a racist in May 1980 in Fort Wayne, Indiana. Jordan was shot dead with a hunter’s rifle outside his hotel after returning from dinner following a speech.

Jordan has had five surgeries and was visited by President Jimmy Carter during his three month recovery in hospital.

“I’m not scared and I won’t stop,” Jordan told Ebony after the shoot.

Joseph Paul Franklin, an avowed white supremacist who targeted blacks and Jews in a massacre across the country from 1977 to 1980, later admitted to shooting Jordan. He was never prosecuted in the Jordan case, but was put to death in 2013 for another murder in Missouri.

Jordan left the organization in 1981, but said his departure was unrelated to the shooting.

In 2000, Jordan joined New York investment firm Lazard Frères & Co. as a senior managing partner. The following year he published an autobiography, “Vernon Can Read !: A Memoir”. Also in 2001, Jordan received the Spingarn Medal, the highest honor bestowed on a black American for outstanding achievement.

He has received more than 55 honorary degrees, including those from his two alma maters, and has served on several boards of directors.

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Biden seeks swift action in building his administration Mon, 19 Apr 2021 02:37:37 +0000 WILMINGTON, Del. –President-elect Joe Biden signaled on Sunday that he plans to act quickly to strengthen his government, focusing first on the raging pandemic that will likely dominate the early days of his administration.

Biden has appointed former surgeon general Dr Vivek Murthy and former Food and Drug Administration commissioner David Kessler as co-chairs of a coronavirus task force set to start, more members to be announced on Monday .

Transition team officials said this week, Biden will also launch his Agency Review Teams, the group of transition staff who have access to key agencies in the current administration to facilitate the transfer of power. . The teams will collect and review information such as budget and staffing decisions, pending regulations and other work in progress from current staff in departments to help the Biden team prepare for the transition. White House officials declined to know if they would cooperate with Biden’s team during the review.

“People want the country to move forward,” said Kate Bedingfield, deputy campaign manager for Biden, in an interview on “Meet the press and see Biden and Vice President-elect Kamala Harris” have the opportunity to get the job done, to get the virus under control and to get our economy back on its feet. “

It is not yet known whether President Donald Trump and his administration will cooperate. He has yet to acknowledge Biden’s victory and has vowed to take legal action in several closely contested states that decided the race.

Biden adviser Jen Psaki urged Trump-appointed General Service Administration chief to quickly recognize Biden as president-elect, freeing up money for the transition and paving the way for Biden’s team to begin to set up the process of transition to agencies.

“America’s national security and economic interests depend on the federal government making a clear and timely signal that the United States government will respect the will of the American people and engage in a smooth and peaceful transfer of power.” , Psaki said in a Twitter post.

A GSA official said on Sunday that the step had not yet been taken.

A bipartisan group of administrative officials from the Barack Obama, George W. Bush and Bill Clinton administrations on Sunday called on the Trump administration to move forward “to immediately begin the post-election transition process.”

“It was a fierce campaign, but history is replete with examples of presidents who came out of such campaigns to graciously aid their successors,” advisory board members of the Center for Presidential Transition said in a statement.

The statement was signed by Bush White House Chief of Staff Josh Bolten and Secretary of Health and Human Services Michael Leavitt, as well as then Bill Clinton Chief of Staff Thomas “Mack” McLarty. and Obama’s Commerce Secretary Penny Pritzker.

Biden’s aides said the president-elect and the transition team had been in contact with Republican lawmakers. Israeli Prime Minister Benjamin Netanyahu, one of Trump’s closest allies, opened a Cabinet meeting on Sunday by congratulating Biden, a former vice president and longtime senator.

“I have had a long and warm personal relationship with Joe Biden for almost 40 years, and I know him as a great friend of the State of Israel,” Netanyahu said. “I am sure we will continue to work with both to further strengthen the special alliance between Israel and the United States”

George W. Bush, the only living former Republican president, also wished Biden good luck.

“Although we have political differences, I know Joe Biden is a good man, who has earned his opportunity to lead and unify our country,” said Bush.

Biden will face key staffing decisions in the days to come. The still frenzied 10-week transition period before nomination day on January 20 has already been shortened by the extra time it took to determine the winner of Tuesday’s election.

The second Catholic to be elected president, Biden began his first full day as president-elect by attending St. Joseph on the Brandywine Church near his home in Wilmington, as he does almost every week. After the service, he visited the church cemetery where several family members were buried, including his late son, Beau.

Beau Biden, a former Delaware attorney general, died in 2015 of cancer. Before his death, he had encouraged his father to run a third run for the White House.

Joe Biden said in a victory speech on Saturday that he would announce a task force of scientists and experts on Monday to develop a “plan” to begin combating the virus when he assumes the presidency. He said his plan would be “built on basic science” and “built on compassion, empathy and concern.”

Murthy, who had advised Biden during the campaign, was appointed to a four-year term as surgeon general in 2014 by President Barack Obama. Murthy was asked to step down by Trump months after the Republican started in office. Kessler was appointed Commissioner of the FDA by President George HW Bush and served in that position during President Bill Clinton’s first term in the White House.

Biden’s senior adviser Ted Kaufman said the transition team will focus on the “nuts and bolts” of building the new administration in the coming days.

Biden may not make the best Cabinet choices for weeks. But he built his presidential race around bipartisanship, and he has spent the days since Tuesday’s election pledging to be a president for all Americans. This suggests he might be ready to appoint Republicans to high-level administrative positions.

Many former Republican officials have broken with Trump to endorse Biden’s campaign. Biden’s selection of some of them to join the new government could appease Senate Republicans, who may have to confirm many of Biden’s choices for top positions. The GOP could retain control of the chamber after two special elections in Georgia on January 5.

Yet too much cross-cutting cooperation could attract the wrath of progressives. Some are already concerned that uncooperative Senate Republicans will force Biden to cut back on his ambitious campaign pledges to expand access to health care and lead a post-pandemic economic recovery that hinges on federal investment in green technology and jobs to help fight climate change.

“I think there will be a huge abuse of the word ‘unity’ to imply that we have to dilute the ideas Joe Biden just campaigned on,” said Adam Green, co-founder of the Campaign for Progressive Change committee. . He said the country was more united around bold solutions to big problems than small-scale efforts.

Biden’s efforts for bipartisan reconciliation could be further undermined by Trump’s refusal to concede the race.

Symone Sanders, a senior Biden campaign adviser, said while several Republican lawmakers have been in contact with the president-elect in recent days, the campaign has yet to hear from White House officials.

“I think the White House has made it clear what their strategy is here and that they are going to continue to participate and advance these flawed and in many ways groundless legal strategies,” Sanders said on “State of the “from CNN. Union.”

Senator Mitt Romney, R-Utah, said Trump has the right to pursue recounts and court challenges. But he noted that these efforts are unlikely to change the outcome and urged the president to reverse his rhetoric.

“I think you have to be careful in the choice of words. I think when you say that the elections were corrupted, stolen or rigged, it is unfortunately rhetoric that is echoed by authoritarians around the world. And I think that also discourages confidence in our democratic process here at home, ”Romney said on NBC.

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This cult £ 12 hyaluronic acid serum hydrates and plumps fine lines Mon, 19 Apr 2021 02:37:37 +0000

This hyaluronic acid serum that hydrates AND plumps fine lines is now better than half the price on Amazon – down to £ 11.60 very tempting

Calling all skincare enthusiasts: Amazon has sale on hundreds of top-selling makeup, skin care and hair products from top brands including Garnier, Maybelline, and L’Oréal Paris.

For a limited time, you can get the L’Oréal Paris Revitalift Filler Serum with pure hyaluronic acid 1.5% for just £ 11.60 (better than half the price).

Not only is it tagged, but if you click Subscribe and Save, you’ll receive an additional five percent when you schedule repeat shipments; a great option if you redeem frequently.

For a limited time, you can get the top rated L’Oréal Paris Revitalift Filler 1.5% Pure Hyaluronic Acid Serum for just £ 11.60

The popular care serum, which is formulated with 1.5 percent hyaluronic acid, has received stellar praise, having received over 4,000 five-star reviews on Amazon for its effectiveness in replenishing dry skin tone and reducing fine lines.

Hyaluronic acid (HA) is a humectant that can hold 1,000 times its weight in water. The natural, non-irritating acid is found in our skin and helps keep our body hydrated. But as we age, the amount of this acid in our body decreases.

“As the skin’s natural production of hyaluronic acid decreases with age, the skin begins to feel stressed, dehydrated and dull and signs of aging appear,” explains Elisabeth Bouhadana, Global Scientific Director of L’Oréal Paris . “That’s why hyaluronic acid – the all-time hero for younger-looking, fuller-looking skin – comes into play.”

To compensate for the loss of HA, L’Oréal Paris Revitalift Filler Serum with pure hyaluronic acid 1.5% is infused with a high concentration of not one but two HA blends, which plumps the skin and helps minimize fine lines and wrinkles.

It also helps to even out texture, skin tone and leaves a glowing complexion. And Amazon buyers attest to its claims, describing the skin care serum as a “great product” with “great results.”

“I have been using it for a year and can honestly say it works,” said one buyer. “My skin is visibly healthier since I started using it. I am 40 years old and wrinkle free!

“You should use it every morning after your usual cleansing routine and every night as part of your routine. You will notice that your pores get smaller after a week of continuous use. ‘

The dropper serum has been formulated with hyaluronic acid (HA) a humectant that can hold 1000 times its weight in water

Serum has received over 4,000 five-star ratings for its effectiveness in replenishing dry skin tone and reducing fine lines

Amazon buyers attest to his claims, describing the skin care serum as a “great product” with “great results”

They added, “But the best results will take three months to see improvement. (There is no Instant Elixer of Youth) But it works. It’s double the price everywhere else. It’s cheaper. from here.

“A product that really works,” said another reviewer. “I am completely amazed by the quality of this product; my fine lines actually disappear, fabulous L’Oreal. Thank you.’

A third commented: “This product was very good, the skin is hydrated and soft, my skin is plumped, it is very good.

Not only is this serum suitable for sensitive skin, but hyaluronic acid can also be a powerful tool for “filling” acne scars. One reviewer wrote: “Probably the best skincare product in my collection. Skin looks and feels much more hydrated and awake. If applied before foundation, it gives you a fresh glow.

“Helped with my acne scars as it seems to help my skin regenerate. I wouldn’t mix it with oil based products or dewy face creams.

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GST rate: a decision “unites” gourmets with a single GST rate | Business News in India Mon, 19 Apr 2021 02:37:37 +0000 MUMBAI: Whether it’s a schoolboy from Ahmedabad whose favorite tea time snack is a plate of Dhoklas or an elderly person from Bengaluru who can’t do without their basic breakfast. composed of Rava-Idlis, an advance ruling issued by the Gujarat bench, has “united” foodies across India with one good and service tax (GST) rate.
Despite various instant flour mix products falling under different subheadings, fortunately the GST rate was the same at 5%.
On the other hand, the Advance Rulings Authority disagreed with the Applicant’s argument that a zero rate should apply, as its instant flour products were nothing short of other than flour of cereals and legumes mixed with spices, condiments and flavors.
In that case, a businessman who manufactured and sold various types of instant blended flours under the brand name “Talod” requested an advance ruling to determine the rates of the GST on his products as well as on the chutney powder, which was provided free with a few products – like the Bhajiya mix.

The instant blended flour he sold was used by customers to prepare a range of Indian dishes such as Khaman, Gota, Handwa, Dhokla, Idlis Rice, Rava Idlis, Dahiwada, Bhajiya, Upma and so on.
The ingredients differed from product to product. To illustrate the Dhokla mix, the flour was made from Udad dal, Chana dal, sugar, salt, sodium bicarbonate, citric acid, and Asafoedtida. The ingredients of the Rava-Idli blend were Gram dal, Udad dal, Rava, citric acid, salt, green chili, curry leaves and mustard seeds.
The advance rulings bench must deepen the classification and subtitles. While products such as Dhokla blend, Dahi wada blend, Bhajiya blend and Idli the mixture came under a subtitle; Rava-Idli mixture, Upma mixture and Muthiya mixture fell under another subheading. This despite the fact that all the products were mainly flour and spices.
On the plus side, there was no difference in the GST rate, which was the same at 5%. As for the powdered chutney, supplied free with some categories of flour mixtures, the RAA considered it to be a “mixed supply of goods” – this too had a 5% GST rate. ]]> 0 11 best self-tanners that will make you glow all year round Mon, 19 Apr 2021 02:37:37 +0000

Finding the best self-tanners to give your skin a radiant, streak-free glow isn’t the easiest task. Whether you’re looking to satisfy an urge to travel in the sun without actually traveling, or just feel more confident with a natural tan, at-home tanning can be the answer. There are an overwhelming amount of self-tanning serums, lotions, and sprays to choose from, and not all self-tanners are created equal. To save you from disaster (read: orange) self-tanning experience, we’ve selected the best self-tanners for face and body that are easy to use and effectively deliver tanned perfection.

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The best self-tanning water

First of all, Bali Body’s packaging makes any beauty shelf an Instagram gold mine. The new transparent water-based self-tanner leaves no residue and dries in minutes. You will see a light and gradual tan after a few hours. Made with 100% natural and eco-friendly ingredients, this is one of the best self-tanners for sensitive skin.

The best tan boosting face serum

St. Moriz Advanced Pro Formula Tanning Booster Face Serum

This facial serum will become a staple in your skincare routine when looking for a natural tan. For beginners, start by adding three drops of the serum to your moisturizer and apply as usual on your face. Your skin will develop a luminous glow throughout the day. For a deeper glow, add up to six drops to your moisturizer. Pro tip: Wash your hands immediately after application to avoid tanning your fingers.

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The best self-tanning mousse

St. Tropez Tan x Ashley Graham Ultimate Glow Limited Edition Foam Kit

Model Ashley Graham has teamed up with St. Tropez to co-create a special new whipped cream tan mousse and limited edition mitt applicator. This self-tanner is made with hyaluronic acid and rosehip oil to hydrate while tanning the skin. You will notice that the formula adapts to your skin tone over time, so apply a light coat on the first application and add more if you want a darker complexion.

The best invisible self-tanner

This transparent self-tanning foam is the best self-tanner to prevent unwanted transfer to your clothes. It gets clear, dries almost immediately, and you’ll see an impressively deep tan within hours with just a few pumps of the Medium Dark shade. Made with organic aloe vera and glycerin, the skin is hydrated and restored.

The best hydrating self-tanner

For an instant tan with a touch of hydration, we suggest splurging with this luxurious self-tanner from Sisley Paris. The buildable formula doubles as a moisturizer to keep your complexion soft, supple and glowing. A little goes a long way with this, so apply a light coating on dry skin to start. Wash your hands thoroughly afterwards.

The best tinted mineral sunscreen

This tinted mineral sunscreen acts both as a self-tanner and as a protector against UVA and UVB rays. The medium deep shade vaporizes without leaving residue to smooth the complexion and camouflage imperfections. This water resistant product is perfect to apply before a sunny day at the beach or an afternoon by the pool.

The best tanning water for the face

This face tan water is one of the best self tanners for beginner home tanners. You apply the clear liquid to your face using a cotton ball just like you would a toner to keep your hands tan free. The formula immediately penetrates the skin and gradually develops into a natural, streak-free tan. Pro tip: Don’t forget your neck for an optimal tan.

The best progressive self-tanning lotion

For a clean, vegan, and cruelty-free self-tanner, opt for this progressive tanning lotion from Kora Organics. Formulated with rosehip oil and seasickness thorn oil, this sunless self-tanner feels like a body moisturizer. Apply daily for a natural, tanned glow that builds over time.

The best travel self-tanner

Dr. Dennis Gross Skincare Alpha Beta Intense Glow Self Tanning Face Pad

Using these self tanning wipes is the best way to achieve healthy skin with a tanned glow. If you are a fan of the cult favorite Dr. Dennis Gross Daily Peel Pads, You know the chorus. Each tan pad exfoliates the surface to allow streak-free color while tightening pores and removing blackheads. Your complexion will be more even and smooth after just one use. Apply to dry skin before moisturizing.

The best self-tanner for easy application

Isle of Paradise’s new Self-Tanning Body Butter is one of the easiest self-tanners to use for hydrating and brightening skin. The color-correcting benefits of this self-tanner’s formula help even out skin tone so you instantly feel smoother. The rich and creamy texture revives the skin and over time reveals a natural-looking tan.

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The best self-tanner for darker complexions

This bronzing mousse is one of the best self-tanners for deeper skin tones. It comes in three shades: medium, dark and ultra dark. The best part about this lightweight formula is that it dries in minutes and develops in about two hours. The tropical scent gives it that “vacation in a bottle” feeling!

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