Financial Affairs – Uncharted 3 Blog http://uncharted3blog.com/ Fri, 28 May 2021 19:33:44 +0000 en-US hourly 1 https://wordpress.org/?v=5.7.2 https://uncharted3blog.com/wp-content/uploads/2021/05/default.png Financial Affairs – Uncharted 3 Blog http://uncharted3blog.com/ 32 32 Lawsuit Loans: Can You Get More Than One? | Get Answers to Your Funding Questions https://uncharted3blog.com/getting-approved-home-loan-bad-credit/ https://uncharted3blog.com/getting-approved-home-loan-bad-credit/#respond Tue, 18 May 2021 10:55:10 +0000 https://uncharted3blog.com/?p=643 It’s common knowledge that after suffering injuries caused by someone else’s negligence, you may be able to sue for damages and get compensation. Whether you want a payday loan online same day, OakPark Financial can be your financial partner all the way. Unfortunately, you may be waiting months or even years for your case to settle. You […]]]>

It’s common knowledge that after suffering injuries caused by someone else’s negligence, you may be able to sue for damages and get compensation. Whether you want a payday loan online same day, OakPark Financial can be your financial partner all the way. Unfortunately, you may be waiting months or even years for your case to settle.

You can’t put your life on hold and catch up on bills later. That’s why so many plaintiffs take advantage of lawsuit loans. This type of funding can keep the bill collectors at bay while you take time to heal. You can get more than one lawsuit loan if necessary.

Who Qualifies for a Lawsuit Loan?

If you are a plaintiff pursuing compensation, you are probably an eligible candidate for a lawsuit loan. This type of funding has helped plaintiffs in a variety of cases including:

  • Personal injury cases
  • Medical malpractice lawsuits
  • Employment or labor law disputes

There is one requirement to be aware of before you apply: you must have legal representation. Hiring a lawyer can be beneficial to both your lender and your case.

When Would I Need a Lawsuit Loan?

No two personal injury lawsuits are the same. Your lawyer may need extra time to collect evidence to support your claim. If the defendant’s representative refuses a fair settlement, negotiations can drag on.

The defendant may know you are injured and may have to miss work while you recover. Stall tactics are sometimes used to force you to accept less than your case is worth. A lawsuit loan can tide you over while your lawyer fights for the full settlement you need to treat your injuries.

What if I Use Up My Loan Before My Case Settles?

If your case takes too long to settle and you run out of money from your lawsuit loan, you can always apply for additional funding. Some plaintiffs need two or three lawsuit loans. Depending on your lender, you may be able to take additional loans up to 10-20% of the value of your case.

The process of getting additional funding is similar to your first lawsuit loan application. Your personal finances will not affect your loan rates, and your credit score will not be checked. As soon as your application is approved, you can usually expect to receive funds within 24 hours.

How Do I Repay a Lawsuit Loan?

A lawsuit loan is not the same as a traditional bank loan that you repay in monthly installments. You don’t have to worry about a payment schedule or a penalty interest rate if you pay late. You don’t have to pay it back until after your lawsuit is won and you are awarded damages.

Once your case is settled, your lawyer usually will receive your settlement or court award. At this stage, legal fees and the lawsuit loan repayment amount will be deducted from your settlement amount. Your lawyer will repay your lawsuit loan lender and provide you with the remainder of your settlement.

What if I Lose My Lawsuit?

When you apply for a lawsuit loan, the strength of your case is assessed. If your application is approved and you are granted a lawsuit loan, it means your lender is confident that you will win your case. However, that’s no guarantee of winning.

If your case is dismissed outright or your case is resolved without compensation, your lender will not ask for repayment. If you lose your lawsuit, your loan will be dismissed.

If you sustained injuries in an accident, you can consult with a lawyer to discuss your options. An experienced legal team can advise you on filing a personal injury claim or lawsuit. Rest assured that if your case takes a long time to settle, a lawsuit loan can protect you.

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The 12 Largest US Tech Startup Funding Rounds of March 2021 https://uncharted3blog.com/the-12-largest-us-tech-startup-funding-rounds-of-march-2021/ https://uncharted3blog.com/the-12-largest-us-tech-startup-funding-rounds-of-march-2021/#respond Tue, 18 May 2021 05:24:25 +0000 https://uncharted3blog.com/?p=412 Armed with some data from our friends at CrunchBase, I broke down the largest US startup funding rounds from March 2021, where a record $20.2B was raised by US startups. I have included some additional information such as industry, company description, round type, founders, and total equity funding raised to further the analysis. The TechWatch […]]]>

Armed with some data from our friends at CrunchBase, I broke down the largest US startup funding rounds from March 2021, where a record $20.2B was raised by US startups. I have included some additional information such as industry, company description, round type, founders, and total equity funding raised to further the analysis.


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12. Tonal $250.0M

Round: Series E
Description: San Francisco-based Tonal is a smart home gym that uses artificial intelligence and coaching to provide strength training. Founded by Aly Orady in 2015, Tonal has now raised a total of $450.0M in total equity funding and is backed by investors that include Sapphire Ventures, Bolt, L Catterton, TechNexus Venture Collaborative, and Mayfield Fund.
Investors in the round: Cobalt Capital, Dragoneer Investment Group, Drew Brees, L Catterton, Larry Fitzgerald, Maria Sharapova, Mike Tyson, Sapphire Ventures, Sue Bird
Industry: Artificial Intelligence, Consumer Electronics, Fitness, Machine Learning, Personal Health
Founders: Aly Orady
Founding year: 2015
Location: San Francisco
Total equity funding raised: $450.0M



11. Instacart $265.0M

Round: Venture
Description: San Francisco-based Instacart is an online grocery platform that offers same-day delivery and pickup services for retailers and consumers. Founded by Apoorva Mehta, Brandon Leonardo, and Max Mullen in 2012, Instacart has now raised a total of $2.7B in total equity funding and is backed by investors that include General Catalyst, DST Global, D1 Capital Partners, Sequoia Capital, and Initialized Capital.
Investors in the round: Andreessen Horowitz, D1 Capital Partners, Fidelity Management and Research Company, Sequoia Capital, T. Rowe Price
Industry: Delivery Service, E-Commerce, Grocery, Same Day Delivery, Shopping
Founders: Apoorva Mehta, Brandon Leonardo, Max Mullen
Founding year: 2012
Location: San Francisco
Total equity funding raised: $2.7B



10. Airtable $270.0M

Round: Series E
Description: San Francisco-based Airtable is a cloud-based software company that offers an easy-to-use online platform for creating and sharing relational databases. Founded by Andrew Ofstad, Emmett Nicholas, and Howie Liu in 2013, Airtable has now raised a total of $617.6M in total equity funding and is backed by investors that include D1 Capital Partners, Greenoaks Capital, CRV, BoxGroup, and Slow Ventures.
Investors in the round: Caffeinated Capital, CRV, Greenoaks Capital, Thrive Capital, WndrCo
Industry: Collaboration, Database, Developer Tools, SaaS
Founders: Andrew Ofstad, Emmett Nicholas, Howie Liu
Founding year: 2013
Location: San Francisco
Total equity funding raised: $617.6M



9. Squarespace $300.0M

Round: Venture
Description: New York-based Squarespace is an all-in-one platform for websites, domains, online stores, marketing tools and scheduling. Founded by Anthony Casalena in 2003, Squarespace has now raised a total of $378.5M in total equity funding and is backed by investors that include D1 Capital Partners, General Atlantic, T. Rowe Price, Fidelity Management and Research Company, and Tiger Global Management.
Investors in the round: Accel, D1 Capital Partners, Dragoneer Investment Group, Fidelity Management and Research Company, General Atlantic, T. Rowe Price, The Spruce House Partnership, Tiger Global Management
Industry: Developer Tools, E-Commerce Platforms, Software, Web Design
Founders: Anthony Casalena
Founding year: 2003
Location: New York
Total equity funding raised: $378.5M



9. Snyk $300.0M

Round: Series E
Description: Boston-based Snyk is a cybersecurity company that develops security analysis tools used to identify open-source vulnerabilities. Founded by Assaf Hefetz, Danny Grander, and Guy Podjarny in 2015, Snyk has now raised a total of $752.0M in total equity funding and is backed by investors that include BlackRock, Salesforce Ventures, Canaan Partners, GV, and Tiger Global Management.
Investors in the round: Accel, Addition, Alkeon Capital, Atlassian Ventures, BlackRock, Boldstart Ventures, Salesforce Ventures
Industry: Cyber Security, Developer Tools, Network Security, Software
Founders: Assaf Hefetz, Danny Grander, Guy Podjarny
Founding year: 2015
Location: Boston
Total equity funding raised: $752.0M


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9. HighRadius $300.0M

Round: Series C
Description: Houston-based HighRadius is a SaaS company that develops an artificial intelligence-based order-to-cash and treasury management software. Founded by Sashi Narahari in 2006, HighRadius has now raised a total of $475.0M in total equity funding and is backed by investors that include D1 Capital Partners, Tiger Global Management, Citi Ventures, Susquehanna Growth Equity, and Frank Slootman.
Investors in the round: Craig Tooey Courtemanche, D1 Capital Partners, Frank Slootman, Howie Liu, ICONIQ Growth, Michael Scarpelli, Susquehanna Growth Equity, Tiger Global Management
Industry: Accounting, Artificial Intelligence, FinTech, SaaS
Founders: Sashi Narahari
Founding year: 2006
Location: Houston
Total equity funding raised: $475.0M



8. Weee! $315.0M

Round: Series D
Description: Fremont-based Weee! is a California-based online grocery delivery platform that offers Hispanic and Asian foods specialty products and everyday staples. Founded by Larry Liu in 2015, Weee! has now raised a total of $397.8M in total equity funding and is backed by investors that include DST Global, Tiger Global Management, Blackstone Group, Silicon Valley Bank, and VMG Partners.
Investors in the round: Arena Holdings, Blackstone Group, DST Global, iFly.vc, Tiger Global Management
Industry: E-Commerce, Grocery, Local, Mobile
Founders: Larry Liu
Founding year: 2015
Location: Fremont
Total equity funding raised: $397.8M



7. BlockFi $350.0M

Round: Series D
Description: Jersey City-based BlockFi is a secured non-bank lender that offers cryptoasset-backed USD loans to cryptoasset owners. Founded by Flori Marquez and Zac Prince in 2017, BlockFi has now raised a total of $504.7M in total equity funding and is backed by investors that include Alumni Ventures Group, DST Global, Bain Capital Ventures, Galaxy Digital, and Gaingels.
Investors in the round: Akuna Capital, Bain Capital Ventures, Breyer Capital, Castle Island Ventures, CMS Holdings, DST Global, Gaingels, Hudson River Trading, Jump Capital, Kenetic, Morgan Creek Digital, Pacific Century Group, Paradigm, ParaFi Capital, PJC, Pomp Investments, Susquehanna Government Products, The Venture Collective, Third Prime, Tiger Global Management, Valar Ventures
Industry: Bitcoin, Consumer Lending, Cryptocurrency, Financial Services
Founders: Flori Marquez, Zac Prince
Founding year: 2017
Location: Jersey City
Total equity funding raised: $504.7M



6. Insitro $400.0M

Round: Series C
Description: South San Francisco-based Insitro is a drug discovery and development startup that utilizes machine learning and biology to transform drug discovery. Founded by Daphne Koller in 2018, Insitro has now raised a total of $743.0M in total equity funding and is backed by investors that include BlackRock, SoftBank Vision Fund, T. Rowe Price, Temasek Holdings, and Verily.
Investors in the round: Alexandria Venture Investments, Andreessen Horowitz, ARCH Venture Partners, BlackRock, Canada Pension Plan Investment Board, Casdin Capital, Foresite Capital, GV, HOF Capital, SoftBank Vision Fund, T. Rowe Price, Temasek Holdings, Third Rock Ventures, Two Sigma Ventures
Industry: Biotechnology, Life Science, Pharmaceutical, Therapeutics
Founders: Daphne Koller
Founding year: 2018
Location: South San Francisco
Total equity funding raised: $743.0M



5. Attentive $470.0M

Round: Series E
Description: New York-based Attentive is a personalized mobile messaging platform for innovative brands and organizations. Founded by Andrew Jones, Brian Long, and Ethan Lo in 2016, Attentive has now raised a total of $863.0M in total equity funding and is backed by investors that include D1 Capital Partners, Sequoia Capital, Bain Capital Ventures, Sapphire Ventures, and IVP.
Investors in the round: Base10 Partners, Coatue, D1 Capital Partners, IVP, Tiger Global Management
Industry: Advertising, Marketing, Marketing Automation, Messaging, Mobile, Personalization, SaaS, Software
Founders: Andrew Jones, Brian Long, Ethan Lo
Founding year: 2016
Location: New York
Total equity funding raised: $863.0M


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4. Dataminr $475.0M

Round: Series F
Description: New York-based Dataminr develops an artificial intelligence platform designed for real-time event and risk detection. Founded by Jeff Kinsey, Sam Hendel, and Theodore Bailey in 2009, Dataminr has now raised a total of $1.1B in total equity funding and is backed by investors that include Alumni Ventures Group, FJ Labs, BoxGroup, IVP, and Fidelity.
Investors in the round: ArrowMark Partners, DNS Capital, Eden Global, Eldridge, IVP, Lurra Capital, Moore Capital, Morgan Stanley Tactical Value, MSD Capital, Reinvent Capital, The Pritzker Organization, Valor Equity Partners
Industry: Analytics, Artificial Intelligence, Information Technology, Public Safety, Risk Management, Software
Founders: Jeff Kinsey, Sam Hendel, Theodore Bailey
Founding year: 2009
Location: New York
Total equity funding raised: $1.1B



3. Ro $500.0M

Round: Series D
Description: New York-based Ro is a telehealth startup that operates digital health clinics for men’s and women’s health, along with smoking cessation. Founded by Rob Schutz, Saman Rahmanian, and Zachariah Reitano in 2017, Ro has now raised a total of $876.1M in total equity funding and is backed by investors that include General Catalyst, Initialized Capital, BoxGroup, Slow Ventures, and FirstMark.
Investors in the round: 776 Capital, Altimeter Capital, BoxGroup, Dragoneer Investment Group, FirstMark, General Catalyst, Radcliff Group, ShawSpring Partners, SignalFire, The Baupost Group, Torch Capital, TQ Ventures
Industry: Health Care, Health Diagnostics, Hospital, Wellness
Founders: Rob Schutz, Saman Rahmanian, Zachariah Reitano
Founding year: 2017
Location: New York
Total equity funding raised: $876.1M
AlleyWatch’s exclusive coverage of this round: Ro Raises $500M for its Primary Care Telehealth Platform That Makes Healthcare Accessible at a Time When We Need it Most



3. ServiceTitan $500.0M

Round: Series F
Description: Glendale-based ServiceTitan is a service management software that helps home services businesses generate more leads and close more sales. Founded by Ara Mahdessian and Vahe Kuzoyan in 2013, ServiceTitan has now raised a total of $899.8M in total equity funding and is backed by investors that include T. Rowe Price, Battery Ventures, Tiger Global Management, Index Ventures, and Bessemer Venture Partners.
Investors in the round: Arena Holdings, Battery Ventures, Bessemer Venture Partners, Dragoneer Investment Group, Durable Capital Partners, H.I.G. Growth Partners, ICONIQ Growth, Index Ventures, Sequoia Capital Global Equities, Tiger Global Management
Industry: CRM, Home Services, Information Technology, Real Estate, SaaS, Software
Founders: Ara Mahdessian, Vahe Kuzoyan
Founding year: 2013
Location: Glendale
Total equity funding raised: $899.8M



2. Stripe $600.0M

Round: Series H
Description: San Francisco-based Stripe is a developer-oriented commerce company helping small and large companies accept web and mobile payments. Founded by John Collison and Patrick Collison in 2010, Stripe has now raised a total of $2.2B in total equity funding and is backed by investors that include General Catalyst, DST Global, Sequoia Capital, Andreessen Horowitz, and Fidelity Management and Research Company.
Investors in the round: Allianz X, AXA Group, Baillie Gifford, Counterpart Advisors, Fidelity Management and Research Company, National Treasury Management Agency (NTMA), Sequoia Capital
Industry: Finance, FinTech, Mobile Payments, Payments, SaaS
Founders: John Collison, Patrick Collison
Founding year: 2010
Location: San Francisco
Total equity funding raised: $2.2B



1. Gopuff $1.2B

Round: Series G
Description: Philadelphia-based Gopuff is a mobile app-based digital delivery service that delivers products such as over-the-counter medicine, baby food, and alcohol. Founded by Rafael Ilishayev and Yakir Gola in 2013, Gopuff has now raised a total of $2.4B in total equity funding and is backed by investors that include D1 Capital Partners, SoftBank Vision Fund, Fidelity Management and Research Company, Valor Equity Partners, and e.ventures.
Investors in the round: Baillie Gifford, D1 Capital Partners, Eldridge, Fidelity Management and Research Company, Luxor Capital Group, Reinvent Capital, SoftBank Vision Fund
Industry: Delivery Service, E-Commerce, Food Delivery, Mobile Apps
Founders: Rafael Ilishayev, Yakir Gola
Founding year: 2013
Location: Philadelphia
Total equity funding raised: $2.4B


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PPP Loan Changes Should Open Doors For Smaller Businesses https://uncharted3blog.com/ppp-loan-changes-should-open-doors-for-smaller-businesses/ https://uncharted3blog.com/ppp-loan-changes-should-open-doors-for-smaller-businesses/#respond Wed, 07 Apr 2021 23:16:32 +0000 https://uncharted3blog.com/ppp-loan-changes-should-open-doors-for-smaller-businesses/ Business owners and independent contractors are expected to get increased access to pandemic relief loans with forgiveness under the upcoming rule changes announced on Monday. Right now, entrepreneurs, sole proprietors and the self-employed need to calculate their paycheck protection program loans. using their bottom line, which reduces the amount to which they are entitled. The […]]]>

Business owners and independent contractors are expected to get increased access to pandemic relief loans with forgiveness under the upcoming rule changes announced on Monday.

Right now, entrepreneurs, sole proprietors and the self-employed need to calculate their paycheck protection program loans. using their bottom line, which reduces the amount to which they are entitled.

The Small Business Administration will soon release an interim final rule allowing these people, whose entities make up the vast majority of U.S. businesses, to instead use their gross income to calculate their loans, a White House official told Bloomberg. Monday night tax. Previously, the White House announced several changes to the paycheck protection program intended to extend the reach the loan program, which offers government guaranteed loans that can be canceled.

The SBA will provide details throughout this week and implement the change by the first week of March, the official said in an email. The planned rule change, which would allow affected businesses to qualify for larger loans, follows a recent request dozens of small business and business organizations.

“It only makes sense,” said Keith Hall, president and CEO of the National Association of Self-Employed Workers.

So far in the pandemic, Hall noted, “By definition, the net income of these companies is going to be worse.”

Another chance

A December relief law changed the loan program to allow small farmers and ranchers to apply using gross income, but left out non-employer businesses. The PPP reopened with new funding in january and nearly 2 million loans had been approved this round, as of Sunday.

According to Michael Greenwald, partner at Friedman LLP in New York City, non-employer companies with a net loss have been “excluded from the program” so far. The rule change “will certainly allow them to try to survive the economic uncertainty a little longer,” he said.

The change would be a game-changer for minority business owners, said Dafina Williams, senior vice president of Opportunity Finance Network, an association of financial institutions serving underserved areas and businesses.

Minority business owners tend to be sole proprietors or independent contractors, and under the rules of origin, they would have qualified for loans as small as $ 50 to $ 100, Williams said.

While advocacy groups have welcomed the Biden administration’s announcement, they have indicated they will push for further PPP changes. A few groups – like the Main Street Alliance and the National Association for the Self-Employed – said they plan to lobby lawmakers to have the change retroactive for people who have already applied for loans.

“We call on Congress to act just as quickly to make the adjustment retroactive, so that businesses that lacked the level of relief they previously needed can survive this perilous time and thrive as we move forward,” Ashley Harrington , federal director of advocacy and senior counsel for the Center for Responsible Lending, said in a statement.

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Suspension of US Army War College commander linked to complaint of improper touching https://uncharted3blog.com/suspension-of-us-army-war-college-commander-linked-to-complaint-of-improper-touching/ https://uncharted3blog.com/suspension-of-us-army-war-college-commander-linked-to-complaint-of-improper-touching/#respond Wed, 07 Apr 2021 23:16:11 +0000 https://uncharted3blog.com/suspension-of-us-army-war-college-commander-linked-to-complaint-of-improper-touching/ A sexual harassment complaint filed by a civilian army employee led to Major General Stephen Maranian’s suspension from his duties as Commander of the US Army War College at Carlisle Barracks. The root cause of Maranian’s suspension was first reported Thursday by Task & Purpose, an online medium dedicated, in its own words, to “inform, […]]]>

A sexual harassment complaint filed by a civilian army employee led to Major General Stephen Maranian’s suspension from his duties as Commander of the US Army War College at Carlisle Barracks.

The root cause of Maranian’s suspension was first reported Thursday by Task & Purpose, an online medium dedicated, in its own words, to “inform, engage, entertain and defend active duty military personnel, veterans and their families.”

According to his report, Maranian, 54, is accused of abusive sexual contact with an army civilian, and a military protection order was issued against him on February 9, the day his suspension from War College was announced. The order is the military equivalent of an abuse protection order in the Pennsylvania court system.

Task & Purpose quoted Col. Cathy Wilkinson, the military’s media relations chief, as confirming that Maranian has been suspended for “an allegation of improper touching.”

Wilkinson said the allegation was being investigated by officers from the US Army Criminal Investigations Command, and added: “These are allegations at the moment and Major General Maranian is presumed innocent until now. ‘proof to the contrary. “

PennLive’s attempts to reach Maranian were not immediately successful.

Maranian was installed as a commander at Army War College in July. The War College serves to provide strategic thinking training to senior officers in the military, other branches of the military, and the armed services of America’s foreign allies. Students are generally considered to be candidates for leadership positions in the military.

The incident in question “has nothing to do with its current position,” the army had already confirmed.

Major General David C. Hill, Deputy Commander of the US Army Corps of Engineers, has resumed Maranian’s duties in the meantime.

According to his military biography, Maranian was commissioned in 1988 as a field artillery second lieutenant. He fought in the wars in Afghanistan and Iraq, in addition to touring five other countries.

Prior to arriving at Carlisle Barracks, the Bucknell graduate had served as a deputy commander at Army Command and General Staff College, Fort Leavenworth, Kansas.

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“ Black Fatigue ”: Q&A with Mary-Frances Winters on the impact of racism https://uncharted3blog.com/black-fatigue-qa-with-mary-frances-winters-on-the-impact-of-racism/ https://uncharted3blog.com/black-fatigue-qa-with-mary-frances-winters-on-the-impact-of-racism/#respond Wed, 07 Apr 2021 23:15:26 +0000 https://uncharted3blog.com/black-fatigue-qa-with-mary-frances-winters-on-the-impact-of-racism/ By counting measures of the economy, criminal justice, education, and physical and mental health, Winters revealed how much we have failed to achieve true equity. In his chapter “So Is Now “Winters wrote,” Black households have the lowest median income and net worth of any demographic, and those measures of progress have not improved. ” […]]]>

By counting measures of the economy, criminal justice, education, and physical and mental health, Winters revealed how much we have failed to achieve true equity. In his chapter “So Is Now “Winters wrote,” Black households have the lowest median income and net worth of any demographic, and those measures of progress have not improved. ”

Intergenerational wealth transfer plays a big role in this disparity. When it comes to inheritance, white families bequeath much more wealth, Winters explained. Meanwhile, black families are more likely to unintentionally transmit intergenerational trauma due to embedded social toxins at the cellular level that are transmitted by DNA.

Winters’ work explains how white supremacist systems stimulate whites on some sort of societal level, while the deep-rooted ravages of racism make it difficult for black Americans to even reach ground level.

This conversation has been edited and condensed for clarity.

CNN: You wrote that when you first conceived the idea for “Black Fatigue” you could not have predicted the outcry against racism that arose over the murders of George floyd, Ahmaud Arbery and Breonna Taylor, among many others. Do you see signs of sustained societal transformation?

Mary-Frances Winters: So many organizations seemed to wake up overnight, issuing statements of solidarity and pledging to develop new strategies, initiatives and funding to eradicate racism. One of the things that is so tiring and frustrating is, “Where the hell have you been all these years? Why did it take George Floyd this wake-up call that things aren’t going right?”

Like so many others – largely people of color – I have been doing this work for decades. But “then” is always “now”. If you look at metrics like unemployment rates, median household income, and health outcomes, not much has really changed.

CNN: People often see education as the great equalizer. If we just do a better job in education, it is believed to lead to better jobs and better economic and health outcomes. Do the facts confirm this?

Ask a Black Therapist: 5 Tips to Support Black Mental Health During Trial Derek Chauvin

Winters: They don’t. The net worth of white heads of households with college degrees is 11 times that of black graduates. Meanwhile, black college graduates are twice as likely to be unemployed. Overall unemployment rates for blacks have been double those for whites since the 1960s.

An educated black man is just as likely to be arrested while walking down the street, driving in black, living in black, or barbecuing in black. No education will solve this problem. Even if you wore a “Ph.D.” emblazoned on your chest, it wouldn’t matter.

The health statistics are also shocking. We know that black women who graduate from college are two to three times more likely to have low birth weight babies and die in childbirth. When we say, “Race is a determinant of health”, we should really be saying, “Racism is a determinant of health outcomes”.

In fact, the health status of blacks actually deteriorated as they moved up the socio-economic ladder relative to whites, presumably because, as research suggested, encountering racism leads to higher stress levels, resulting in faster aging of cells.
Protesters gather on June 2, 2020 at a Black Lives Matter protest in New York City following the death of George Floyd while in custody.

CNN: Because of their position in the hierarchy, whites don’t need to understand racism. It is also the case that many white people do not know what they do not know. Given these realities and the way history is taught in the United States, how can people overcome widespread ignorance and misinformation about the effects of racism?

Winters: As for history, one thing to consider is that the United States has never apologized for slavery. Doing it is more than symbolic – it’s recognition that the wrong has been done. Once you recognize this, what are you going to do to repair the damage? Instead, we lied about the truth, in textbooks and beyond.

They see the color: two new Black & # 39;  Sesame Street & # 39;  characters explain racial difference to children
The mother of a 6 year old who is like a granddaughter to me recently messaged me about a lesson at her public school in Decatur, Georgia. His teacher chose Thomas jefferson to illustrate “people of good character”. This, in 2021 – during Black History Month! Jefferson is credited with the wish that “all people have equal rights,” but he owned hundreds of slaves, including Sally Hemings who gave birth to six of Jefferson’s children, the first when she was a teenager. I’m sure he did some good things, but let’s not think of him as the embodiment of good character.

Lies continue to hit this new generation as well.

CNN: What could make a lasting and lasting systemic transformation possible?

Winters: We need committed allies, but the allies are not always in a position of power. We also need enough of what I call “power brokers” to deliberately influence the distribution of political or economic power by exerting influence. We need people in power who have the courage to say, “This is enough. We are going to make real change.” Subordinate groups do not have this power. It is the dominant groups that have the power to change policies, practices and legislation – now.

CNN: Could you speak to the particular pain and fatigue of the continuing injustice despite the values ​​adopted by the country and US laws designed to protect equal treatment?

How can we embrace the race?  Learn from this couple advocating for change

Winters: Hypocrisy creates fatigue from all the pushbacks. We are so steeped in American exceptionalism and the myth that our democracy works. If you speak out against it, you are considered a heretic. James Baldwin said: “I love America more than any other country in this world and for exactly this reason I insist on the right to criticize it perpetually.” Protesting inequality and inequity is what we have been doing since the founding of the country.

CNN: You write that racism is “tearing the whole nation apart.” How much is it costing us as a society?

Winters: Citibank recently released a study showing that the US economy has lost $ 16 trillion due to discrimination. Since 2020, the gross domestic product of the United States has lost a lot due to discriminatory practices in education, business lending and other areas.

I have been a business owner for 37 consecutive years. I don’t use banks. I have been discriminated against even though my credit is impeccable. I went to the bank for a small business loan and didn’t get it despite everything being in order. Part of that $ 16 trillion loss is interest on black business loans.

I always ask the companies I work with: “What are your values? And do you live them?” When I have conversations with people who resist or question the importance of working on diversity, equity and inclusion, I ask, “Do we have freedom and justice for all?”

Freedom and justice for all is what we say our country stands for. Democracy is a work in progress, of course. We will know we have real fairness when we can no longer predict outcomes based on someone’s identity.

Jessica dulong is a Brooklyn-based reporter, ghost writer, book trainer, and author of “Saved at the Seawall: Stories from the September 11 Boat Lift” and “My River Chronicles: Rediscovering the Work that Built America”.

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Mr. Bubble celebrates his 60th birthday with new products, including one to help kids sleep https://uncharted3blog.com/mr-bubble-celebrates-his-60th-birthday-with-new-products-including-one-to-help-kids-sleep/ https://uncharted3blog.com/mr-bubble-celebrates-his-60th-birthday-with-new-products-including-one-to-help-kids-sleep/#respond Wed, 07 Apr 2021 23:15:26 +0000 https://uncharted3blog.com/mr-bubble-celebrates-his-60th-birthday-with-new-products-including-one-to-help-kids-sleep/ For 60 years, Mr. Bubble makes bath time more fun for kids. The iconic bubble bath is celebrating its anniversary this year with the launch of three new products, one of which is designed to help children sleep. “After a long winter indoors, children’s energy levels can make it a bit more difficult to sleep. […]]]>

For 60 years, Mr. Bubble makes bath time more fun for kids.

The iconic bubble bath is celebrating its anniversary this year with the launch of three new products, one of which is designed to help children sleep.

“After a long winter indoors, children’s energy levels can make it a bit more difficult to sleep. This is where a hot bubble bath can not only help entertain, but also soothe and settle toddlers before bed, ”Mr. Bubble said in a press release.

Sleep would have been a problem for many people during the Covid pandemic19.

“The families have had a difficult year. Kids always deserve to have fun, but especially now everyone can enjoy it more. For the past 60 years, Mr. Bubble has represented an easy way for parents to clean up their kids with lots of laughs, ”says Michelle Hanson, vice president of marketing at The Village Company.

The new products are Calm & Sleep bubble bath, Fizzy Tub and Clean Skin4in1 colors. They are now available online and will be available at Walmart on April 10.

  • The Calm & Sleep Bubble has a blend of lavender, eucalyptus and chamomile scents with aloe and vitamin E to hydrate. It contains no dyes or parabens and does not contain any phthalates. The cost is $ 4.99 for a 36 ounce bottle.
  • Fizzy Tub Colors are bath tablets in red, orange, yellow, green, blue and purple that come in a jar of 150 or a pack of nine. Some tablets have letters of the alphabet. A mixing guide for matching colors to create new colors is included. The tables also contain “Bitterguard” discouraging children from eating them. The Jumbo Jar sells for $ 6.99 and the new pack sells for $ 1.29.
  • Clean Skin 4in1 can be used as a bubble bath, shower gel, shampoo and conditioner. It is soft and hypoallergenic and contains no coloring or fragrance. It also contains aloe and shea butter. The cost of a 16 ounce bottle is $ 4.99.

According to Mr. Bubble, the company was founded in 1961 in North Dakota “when Harold Schafer and the Gold Seal Company found a way to make bubble baths more affordable, moving them from department stores to drugstores.

Mr. Bubble’s original formula used powdered bubble flakes that promised to make cleaning almost as fun as getting dirty. The Mr. Bubble brand has been owned by The Village Company, which has been based in Twin Cities since 2008, and the signature bubble bath has been reformulated over the years to create even more bubbles with a milder formula.

READ MORE

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Man kills 3, himself on daughter’s birthday in New York – WWLP https://uncharted3blog.com/man-kills-3-himself-on-daughters-birthday-in-new-york-wwlp/ https://uncharted3blog.com/man-kills-3-himself-on-daughters-birthday-in-new-york-wwlp/#respond Wed, 07 Apr 2021 23:15:26 +0000 https://uncharted3blog.com/man-kills-3-himself-on-daughters-birthday-in-new-york-wwlp/ Woman arrested for drunk driving after allegedly hitting stroller with baby in Hadley Video / 3 hours ago Video Body recovered from the Chicopee River Video / 2 days ago Video Death after accident in Belchertown Video / 2 days ago Video Former Fall River mayor guilty of extorting marijuana vendors, defrauding investors Video / […]]]>

Woman arrested for drunk driving after allegedly hitting stroller with baby in Hadley

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Body recovered from the Chicopee River

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Death after accident in Belchertown

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Former Fall River mayor guilty of extorting marijuana vendors, defrauding investors

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Woman dead after car crash on Bernardston Road in Greenfield

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A total of 53 faith-based organizations have received these scholarships, intended to ensure safety and security. Three of these organizations are located in western Massachusetts.

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Police take stock of the Providence shooting

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Massachusetts COVID-19 Scoreboard: 9 new deaths, 616 new cases

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New York man reportedly missing from Pontoosuc Lake in Pittsfield

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No communities at high risk of COVID-19 in western Massachusetts

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CDC facilitates advice on wearing a mask indoors

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7 homeless after fire on Northampton Avenue in Springfield

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What if Disney World had a birthday party and no one came? https://uncharted3blog.com/what-if-disney-world-had-a-birthday-party-and-no-one-came/ https://uncharted3blog.com/what-if-disney-world-had-a-birthday-party-and-no-one-came/#respond Wed, 07 Apr 2021 23:15:26 +0000 https://uncharted3blog.com/what-if-disney-world-had-a-birthday-party-and-no-one-came/ Walt disneyof (NYSE: DIS) The most visited theme park station is gearing up for a big milestone. Disney World in Florida turns 50 this October, and the House of the Mouse hopes to spend as much time as possible to blow out the candles. Disney announced on Friday that it would expand the celebration to […]]]>

Walt disneyof (NYSE: DIS) The most visited theme park station is gearing up for a big milestone. Disney World in Florida turns 50 this October, and the House of the Mouse hopes to spend as much time as possible to blow out the candles. Disney announced on Friday that it would expand the celebration to a full 18 months. In short, we’ll be celebrating Disney World’s 50th anniversary later this month through the end of March 2023.

Disney is no stranger to dealing with its milestones for as long as possible. As it turns out, it’s a particularly smart move for Disney to go down this route right now. In this difficult climate, the further you move into the future, the better the prospects for a return to normal for the theme park operator.

Image source: Disney.

There is a big big beautiful tomorrow

Disney World reopened in July of last year after a thorough social distancing makeover. The guests are spaced from each other in the queues. Plexiglass partitions protect guests at the expense of partially obstructing views. Most shows, parades, character interactions and nightly festivities are either suspended or drastically reduced to prevent crowds from gathering in large groups. Masks are mandatory at all times, except when eating or drinking while stopped.

It’s a buzzkill, but it’s better than being Disneyland. Right?

Disney World also currently allows only 35% of the regular capacity of each theme park at any given time. It requires customers to make reservations in advance to visit a particular park on a given day.

Disney World is also limiting annual pass sales to renewals for now, but it’s better than being Disneyland and eliminate passes entirely. Right?

A lot can change between now and October, but right now it’s hard to see Disney World at its best in October. The number of COVID-19 cases is on the decline again, but travel restrictions – at the very least, international travel restrictions – will likely still be in place to some extent.

In a call for results earlier this month, CEO Bob Chapek said he did not see masks disappear in 2021. He hopes the face covers and necessary social distancing measures will disappear by 2022, and that’s just another good reason for 546 days of celebration. .

The weather will help bring back visitors and the economy. It can also help get some projects back on track.

A lot of new rides and experiences that Disney World was unveiling four years ago in anticipation of the 50 years of the station, either will not be ready in October, or have been quietly erased from the table. Nobody expects that Tron– Disney’s Magic Kingdom-themed roller coasters will be open by October, but they should definitely be rolling at some point during the celebration. A 900-room nature-inspired lodge, as well as several Epcot attractions, including a Mary Poppins ride, have been scrapped for now.

Disney is fortunate to be a diverse asset media stock at present. The actions are soaring to a high level as Disney + carries the Growth Stick that takes the action to unprecedented levels.

Disney World isn’t ready for a celebration right now, but there’s a good chance the stick will be well within reach at some point before spring 2023 for him to be the primary sprinter. It may take a while for Disney World to get back to where it was a year ago, but that’s why an 18-month-old party clock is a brilliant watch for the most successful theme park operator in the world. world.

This article represents the opinion of the writer, who may disagree with the “official” recommendation position of a premium Motley Fool consulting service. We are motley! Questioning an investment thesis – even one of our own – helps us all to think critically about investing and make decisions that help us become smarter, happier, and richer.

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Evers signs a bill reducing taxes for businesses that have taken out loans https://uncharted3blog.com/evers-signs-a-bill-reducing-taxes-for-businesses-that-have-taken-out-loans/ https://uncharted3blog.com/evers-signs-a-bill-reducing-taxes-for-businesses-that-have-taken-out-loans/#respond Wed, 07 Apr 2021 23:15:26 +0000 https://uncharted3blog.com/evers-signs-a-bill-reducing-taxes-for-businesses-that-have-taken-out-loans/ MADISON, Wisconsin (AP) – Gov. Tony Evers enacted a bill that cuts taxes by nearly half a billion dollars for Wisconsin businesses that have accepted loans to help them weather the coronavirus pandemic . Evers signed the bill on Thursday. The new law makes loans administered through the federal government’s Paycheck Protection Program tax deductible […]]]>

MADISON, Wisconsin (AP) – Gov. Tony Evers enacted a bill that cuts taxes by nearly half a billion dollars for Wisconsin businesses that have accepted loans to help them weather the coronavirus pandemic .

Evers signed the bill on Thursday. The new law makes loans administered through the federal government’s Paycheck Protection Program tax deductible under the Wisconsin tax code.

The loans are already tax deductible under federal law but not under state code. It is estimated that this will result in a reduction in state taxes of $ 540 million by the middle of 2023.

READ THE INVOICE: https://docs.legis.wisconsin.gov/2021/proposals/ab2

“This past year has been difficult and relentless for so many, but since the onset of this pandemic, we have been committed to providing economic assistance to people who have been affected by the pandemic. We know Wisconsin businesses and families need help now. I am therefore proud to be able to offer $ 480 million in tax relief to the citizens of our state.

Copyright 2021 The Associated Press. All rights reserved.

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Why unusual birds are appearing in Michigan right now https://uncharted3blog.com/why-unusual-birds-are-appearing-in-michigan-right-now/ https://uncharted3blog.com/why-unusual-birds-are-appearing-in-michigan-right-now/#respond Wed, 07 Apr 2021 23:15:25 +0000 https://uncharted3blog.com/why-unusual-birds-are-appearing-in-michigan-right-now/ If you are an avid bird watcher, chances are good that you will travel a fair distance at some point to see birds that you have never seen before. But sometimes you get lucky and these birds come straight to you. This is the case for many Michigan birders today, as the lower half of […]]]>

If you are an avid bird watcher, chances are good that you will travel a fair distance at some point to see birds that you have never seen before.

But sometimes you get lucky and these birds come straight to you.

This is the case for many Michigan birders today, as the lower half of the state is currently experiencing a sudden influx of boreal birds that don’t typically call it home for the winter.

In ecological terms, the phenomenon is known as “eruption” – a sudden increase in the population density of a species. In the world of birding, this typically involves moving species that overwinter in the north to locations further south during years of low food availability in the northern coniferous forests.

It started at the end of August with higher than usual numbers of Red-breasted Nuthatch, a tiny and arguably adorable bird whose incomparable high-pitched horn-shaped calls could suddenly be heard ringing through the pine forests in parts of southern Michigan.

A red-breasted nuthatch, photographed in Hell, Michigan. | Photo by Brian Barnabo

Next come the cheerful raspberry-colored purple finches and pine siskins, a striated-breasted songbird with a preference for thistle seeds.

But the real treat for bird watchers in this year of irruption so far has been the appearance of the Evening Grosbeak, a heavy, noisy chaffinch with splashing yellow and black plumage. In Michigan, these birds can usually only be found in the north, and yet this year has seen them flock to the south of the Lower Peninsula, where, to the delight of local bird groups, they are spotted. feasting on black oil sunflower seeds in the backyard. feeders.

“In some areas, this is the biggest eruption in about 20 years,” said Ben Winger, curator of birds at the Museum of Zoology at the University of Michigan. “It’s really fun because at first they come in, and a few lucky people grab them at their feeders, and then all of a sudden they’re everywhere.”

The year of the outbreak could very well bring other rare birds to new places in Michigan, Winger said. Just this week, a handful of Red Crossbills, so named for their unusual crisscrossbills, have been reported outside of Ann Arbor – a rare sighting this far south of the state. Some birders believe two other northern species, the red vulture and the pine grosbeak, may be next.

Breakouts themselves are not that rare, as they are largely based on the boom-bust cycles of these birds’ northern food sources, such as pine cones and birch seeds. But the size and scope of an outbreak can vary. Sometimes only a few species crawl south; sometimes, like this year, there can be half a dozen. And the weather for the birds here is unpredictable – they can stay all winter or just a few days – which makes their glimpse very special for local bird watchers.

Emily Tornga knows this feeling. Michigan bird photographer (Instagram handle: The Peck Bridge) drove from his home near Grand Haven to northern Minnesota for the chance to see several species of birds for the first time, including evening grosbeaks.

But this year the grosbeaks have come to him.

“It’s really cool when they visit you in your hometown,” she said. “In addition, there is a certain pride that such a diverse number of birds come to see you in your neighborhood.

This irruption coincides with a renewed interest in bird watching. Many Americans, feeling locked in during the pandemic restrictions, have embraced the hobby as a safe and socially distant outdoor activity. Sales of binoculars and bird feeders increased this spring, as did downloads of popular bird identification apps.

In a tough year, with the dark and cold winter around the corner, this sudden appearance of so many new, fresh feathered faces has been a cause for celebration in Michigan birding.

“It’s an exciting year to be a bird watcher,” Tornga said. “Winter is a time when all the migrants leave, so you miss seeing the warblers and summer birds, but there are actually a lot of birds that come here, and they are really beautiful and exciting to see. . “

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