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NJ sets sports betting and igaming revenue records in March

first_imgCasino & games Subscribe to the iGaming newsletter NJ sets sports betting and igaming revenue records in March New Jersey’s licensed igaming and sports betting operators set new monthly revenue records for each vertical in March, which helped the state post a 34.5% year-on-year increase in gaming revenue to $294.0m (£224.7m/€259.8m) for the month.Land-based casinos remain the main source of gaming income in the state, with casino win up by 15.7% year-on-year to $223.2m. Slots win drove growth in this market, with revenue up by 18.5% to $162.6m, while table games revenue also increased 8.7% year-on-year to $60.5m.In terms of online gambling, revenue was up by 53% to $39.1m, surpassing the previous monthly total set in January of this year, according to figures released by the New Jersey Division of Gaming Enforcement.Growth in the online gaming market came from products such as slots and table games, with revenue for such services up 57.7% to $37.2m. In contrast revenue from online peer-to-peer games (poker) fell 1.6% to $5.60m – the only market sector that saw a decline in March.Golden Nugget remains some way out on front as the leading operator in the market, generating revenue of $14.2m in March, up 64.4% on the same month last year.Resorts Digital saw its online gambling revenue more than double on a year-on-year basis, with the $8.5m posted in March up by 100.1% on the $4.2m that it recorded in the same month in 2017.The Borgata Hotel Casino & Spa retained third place with igaming revenue of $5.4m for the month, up 18.7% on last year, with Caesars Interactive in fourth on revenue of $5.1m, up 16.4% on March 2018.Meanwhile, New Jersey saw sports wagering revenue hit $31.7m in March, the highest monthly total since the state moved to legalise sports betting in the wake of the US Supreme Court ruling on PASPA in May last year.Meadowlands, in partnership with Paddy Power Betfair’s FanDuel, remains the market leader with sports betting revenue of $17.6m for March. This is more than double the $8.1m in reported in February.Resorts Digital and partner DraftKings, ranked second with revenue of $7.2m, up from $3.7m in February, while Monmouth Park and William Hill was the only other sports wagering partnership to post revenue in the millions of dollars for the month ($1.96m).A busy March means total gaming win for the state during the first three months of the year amounted to $764.8m, up 28.6% on the same point in 2018.Online gambling win was up by 50.3% year-on-year to $104.5m, while sports betting revenue, which does not have a comparative total, amounted to $63.2m in the period. Topics: Casino & games Finance Sports betting 15th April 2019 | By contenteditor AddThis Sharing ButtonsShare to LinkedInLinkedInShare to FacebookFacebookShare to TwitterTwitter Regions: US New Jersey Tags: Online Gambling New Jersey’s licensed igaming and sports betting operators set new monthly revenue records for each vertical in March, which helped the state post a 34.5% year-on-year increase in gaming revenue to $294.0m (£224.7m/€259.8m) for the month. Email Addresslast_img read more

Will the Rolls-Royce share price reach 150p this year?

first_img Christopher Ruane | Wednesday, 24th March, 2021 | More on: RR Click here to claim your copy now — and we’ll tell you the name of this Top US Share… free of charge! Renowned stock-picker Mark Rogers and his analyst team at The Motley Fool UK have named 6 shares that they believe UK investors should consider buying NOW.So if you’re looking for more stock ideas to try and best position your portfolio today, then it might be a good day for you. Because we’re offering a full 33% off your first year of membership to our flagship share-tipping service, backed by our ‘no quibbles’ 30-day subscription fee refund guarantee. Our 6 ‘Best Buys Now’ Shares Simply click below to discover how you can take advantage of this. I’m sure you’ll agree that’s quite the statement from Motley Fool Co-Founder Tom Gardner.But since our US analyst team first recommended shares in this unique tech stock back in 2016, the value has soared.What’s more, we firmly believe there’s still plenty of upside in its future. In fact, even throughout the current coronavirus crisis, its performance has been beating Wall St expectations.And right now, we’re giving you a chance to discover exactly what has got our analysts all fired up about this niche industry phenomenon, in our FREE special report, A Top US Share From The Motley Fool. Image source: Rolls-Royce plc Many shareholders in Rolls-Royce (LSE: RR) have been preparing for take-off in recent months. The Rolls-Royce share price is down 11% over the past year. But it has returned an impressive 165% since the start of October. So for some shareholders, the price movements have been very profitable.Here I take a look at both bull and bear cases for Rolls-Royce. I then consider whether the Rolls-Royce share price could rise to 150p this year.5G is here – and shares of this ‘sleeping giant’ could be a great way for you to potentially profit!According to one leading industry firm, the 5G boom could create a global industry worth US$12.3 TRILLION out of thin air…And if you click here we’ll show you something that could be key to unlocking 5G’s full potential…A Rolls-Royce bull caseThe company is one of the world’s leading manufacturers and maintenance providers for aircraft engines. This is a highly skilled industry with high capital expenditure requirements and lead times stretching into years or even decades. That means the competitive barriers to entry are high.The Rolls-Royce brand name and engineering expertise are well-regarded. This helps give it pricing power. It also builds customer loyalty. That could help the Rolls-Royce share price because the majority of the company’s profits are generated not by engine sales but servicing.In 2019, for example, the company sold £3.2bn of civil aircraft engines. But it recorded a further £4.9bn in service revenues for the sector. Even with flying hours reduced by the pandemic, 2020 service revenues came in at £2.8bn.Not just civil aviationAdditionally, there is more to Rolls-Royce than just civil aviation. Defence spending tends to be more resilient than consumer travel. Last year, the company’s defence business actually grew underlying revenue by 4% to £3.4bn. It also grew underlying operating profit by 8%, to £448m.The company also has a power systems division. While its revenue and profit also suffered last year, at least it is not also tied to consumer travel demand. Defence and power systems provided 51% of company revenue in 2020. Unlike civil aviation, both turned in an underlying operating profit.With liquidity of £9bn coming into 2021, the company looks able to wait for a full recovery in demand. This month it reiterated its expectation that it would turn cash flow positive in the second half of this year. That appeals to me because I like buying shares in cash generative companies.A bear case on the Rolls-Royce share priceSet against this, demand for flying is coming back slower than hoped. Limited vaccination programmes and ongoing lockdowns in many countries are stymying travel.In October Rolls-Royce had said it expected 2021 widebody flying hours to be around 70% of 2019 levels, but it has since reduced that forecast to 55%. Less flying hours means less service revenue. The reduced forecast may push back the date when the company can achieve its free cash flow target of at least £750m.The company has been seeking to improve liquidity further through cost cuts and disposals. But this week it was announced that the Norwegian government has stopped the sale of its power business in Norway. The company still plans to raise at least £2bn from disposals by early 2022. But this may now require a different approach.I think the shares can reach 150pThe Rolls-Royce share price has performed strongly in the past few months. I think further good news, such as more flying hours being logged, could help propel the shares higher, maybe to 150p in 2021.But key factors – such as demand – remain outside the company’s control. I would prefer to invest in a company with a clearer short-term demand outlook. I’m still not buying Rolls-Royce.center_img See all posts by Christopher Ruane christopherruane has no position in any of the shares mentioned. The Motley Fool UK has no position in any of the shares mentioned. Views expressed on the companies mentioned in this article are those of the writer and therefore may differ from the official recommendations we make in our subscription services such as Share Advisor, Hidden Winners and Pro. Here at The Motley Fool we believe that considering a diverse range of insights makes us better investors. Will the Rolls-Royce share price reach 150p this year? Enter Your Email Address “This Stock Could Be Like Buying Amazon in 1997” I would like to receive emails from you about product information and offers from The Fool and its business partners. Each of these emails will provide a link to unsubscribe from future emails. More information about how The Fool collects, stores, and handles personal data is available in its Privacy Statement.last_img read more

Heart Disease and Colon Cancer – What’s the Connection?

first_imgFocus on Your HealthFrom Florida Hospital ApopkaEnvision spreading out a 10,000-piece jigsaw puzzle on the table. Pieces upon pieces are scattered. Looking at the complete image on the front of the puzzle box, you know that each piece somehow connects. You start by taking the most obvious ones first — the outer edges. Then, slowly begin filling it in until the bigger picture comes to life. Share on Facebook Tweet on Twitter Support conservation and fish with NEW Florida specialty license plate TAGSFocus on your health Previous articleCity Council meets on New Errol projectNext articleNew Publix coming to Apopka Denise Connell RELATED ARTICLESMORE FROM AUTHOR Please enter your comment! While not as simple as a jigsaw puzzle, medical science can be thought of in the same way. Our bodies — made up of trillions of cells and complex systems — make up the beautiful masterpiece that we call “health.” But this work of art —and our understanding of it — is constantly evolving to present new challenges. And with time and insight, today’s medical breakthroughs will shape an improved image of your health, tomorrow.You see, uncovering the relationships between diseases inspires our hope to prevent them. And today, we’re talking about an important one: the connection between heart disease and colon cancer risks.Metabolic Syndrome- The Common Link Between Heart Disease and Colon Cancer Risk“We’re finding that cardiovascular disease and colon cancer (among many other types of cancer and diseases) share similar — yet prevalent — risk factors that are linked to metabolic syndrome,” says Dr. Maryam Kashi, board-certified gastroenterologist and internal medicine physician at Florida Hospital.“A metabolic syndrome is a group of risk factors/conditions that, together, significantly raise the risk of heart disease, stroke, diabetes and even colon and liver cancers,” Dr. Kashi explains.According to the American Heart Association, metabolic syndrome is generally distinguished by having three of these five metabolic risk factors:Abdominal obesity or a waist circumference of greater than 40 inches in men and 35 inches in womenMaryam R Kashi, DOGastroenterology Internal MedicineTriglyceride level of 150 mg/dL or greaterHDL cholesterol of less than 40 mg/dL in men or less than 50 mg/dL in womenSystolic blood pressure (top number) of 130 mm Hg or greater, or diastolic blood pressure (bottom number) of 85 mm Hg or greaterFasting glucose of 100 mg/dL or greaterIt is not surprising that the underlying causes of metabolic syndrome are also risk factors for both colon cancer and heart diseases, such as overweight and obesity, physical inactivity, genetic factors and aging.The Impact of Metabolic SyndromeAs reported in 2015 article published in the Journal of the American Medical Association, metabolic syndrome affects nearly 35 percent of U.S. adults. And as the number of people with metabolic syndrome increases, there is concern that the already high incidences of colon cancer and heart disease could climb even higher.“Metabolic syndrome is associated with both a higher rate of heart disease and colon cancer risk; however, with metabolic syndrome, the most critical risk associated with morbidity (death) is heart disease,” explains Dr. Kashi.This is concerning because the American Heart Association reports that over 92 million American adults are already living with some form of cardiovascular disease or the after-effects of stroke, with heart disease accounting for one in every three U.S. deaths. Colon cancer, making up eight percent of all cancer deaths, affects over 95,000 Americans annually according to the American Cancer Society, with even higher numbers reported when including the rates of all large bowel cancers.Addressing Metabolic Syndrome to Prevent Heart Disease and Colon Cancer“When I see a patient with metabolic syndrome, I am concerned about a myriad of things because research supports that their risk factors (like obesity, high blood pressure, high cholesterol and higher fasting glucose) are strongly associated with the development of heart disease, colon cancer, and even a 20 percent increase in the risk of liver cancer and cirrhosis, but the positive thing is that most metabolic risk factors can be reduced or possibly eliminated with a multidisciplinary treatment team and a medically supervised weight loss and exercise program,” explains Dr. Kashi.Reducing Metabolic Syndrome Risk Factors“One of the most important risk factors to address with metabolic syndrome is overweight and obesity,” advises Dr. Kashi. She explains that many people experience various challenges to achieving a healthy weight, which can be medical, environmental, psychological and economical.For this reason, Dr. Kashi recommends a medically supervised weight-loss program that develops a personalized nutrition and exercise plan for your individual needs.“At Florida Hospital, we have medical, endoscopic and surgical weight loss treatment options to help all patients achieve a healthier BMI,” states Dr. Kashi.Non-Surgical Weight-Loss Treatment with the Gastric BalloonOne of the non-surgical medically assisted weight-loss procedures that Dr. Kashi performs is the gastric balloon. Dr. Kashi explains that this procedure is for patients that do not qualify for more invasive surgical weight loss procedures. In fact, the gastric balloon is for patients that have a BMI (body mass index) between 30 and 40 with about 25 to 50 pounds to lose.Dr. Kashi further describes the gastric balloon procedure, which involves inserting a balloon into the stomach through endoscopy. Once inserted, the balloon helps patients feel full so they don’t eat as much. After six months, the balloon is removed and most patients experience three times the amount of weight loss compared to diet and exercise alone. To be considered for the procedure, Dr. Kashi’s patients must also participate in a weight-loss program that provides a medically-directed nutrition and exercise plan.“It’s important to provide our patients with all of the tools and education to make them successful in their weight loss for improved health,” she adds.This education focuses largely on nutrition to reduce metabolic risk factors. “We recommend that patients increase their fiber intake, which has been shown to help decrease cholesterol levels and even colon cancer risk,” says Dr. Kashi.She also suggests limiting high-calorie meals to support healthy weight, which includes minimizing red meat intake. “Some studies indicate that folate may reduce colon cancer risk as well,” she says.Since the treatment of metabolic risk factors can involve several medical specialties, it’s important to seek treatment from a connected system of physicians that will coordinate your complete medical care. Dr. Kashi explains that endocrinologists, cardiologists, gastroenterologists and primary care physicians may play an important role in managing metabolic syndrome and your specific risks factors for colon cancer, diabetes and/or heart disease.Medical specialists can also assess your additional risk factors like family history and recommend appropriate preventive screenings, such as colonoscopies to screen for colon cancer. Dr. Kashi asserts, “Even though research tells us metabolic syndrome is associated with increased colon cancer risk, our recommended colon cancer screening guidelines are currently influenced by age and race.”Dr. Kashi confirms that current colon cancer screening guidelines advise that both men and women have colon cancer screenings starting at age 50, with African Americans starting at age 45. Colon cancer and its mortality rates are significantly higher among African Americans compared to Caucasians.“The colonoscopy is still our gold standard and only cancer screening that is also preventive, because if we find polyps (which can be precancerous) during the colonoscopy, we can remove them right away and prevent cancer from developing,” Dr. Kashi says.Protect Your Health, TodayUnderstanding the link between heart disease and colon cancer is important because it’s yet another discovery that connects a few more pieces to the complete picture of your health. But there are more insights to glean.“Research tells us there is a strong association between metabolic syndrome and many diseases, but the exact mechanisms— from having metabolic risk factors to developing heart disease or colon cancer (as just two examples) — are still unknown,” Dr. Kashi adds.And while we wait for these details surface, we can act by being aware of metabolic syndrome and taking steps to reduce its risk factors with the hope to also prevent colon cancer, heart disease and other related diseases in the future.Learn more about Dr. Maryam Kashi, or call 407-303-1812 to make an appointment. You have entered an incorrect email address! Please enter your email address here Please enter your name here Save my name, email, and website in this browser for the next time I comment. Free webinar for job seekers on best interview answers, hosted by Goodwill June 11 Reply How depressing……… LEAVE A REPLY Cancel reply The Anatomy of Fear 1 COMMENT August 23, 2017 at 10:26 pm Mama Mialast_img read more

Tips on offering servings of politics and opinions at the holiday table

first_imgTCU places second in the National Student Advertising Competition, the highest in school history Flu activity remains high in Texas Linkedin Linkedin Grace Amiss is a senior journalism major and managing editor for TCU360. When she is not reporting she is most likely raving about her golden retriever or taking a spin class. Grace is currently writing about student life at TCU, so feel free to drop her a line if you come across a story you feel is worth sharing! printCollege is a time for students to explore ideas and concepts, but talking about these newfound beliefs and opinions can be tricky, especially at a holiday dinner table.Family conversation around news events, politics and religion can quickly erupt into an argument when opinions clash.“Having conversations surrounding sensitive topics like politics or gun control can be challenging,” said Dr. Vaile Wright, director of research and special projects at the American Psychological Association, “Especially if those conversations are with family members.”The problem is; however, that sensitive topics are often what are on people’s minds.More Now Say It’s ‘Stressful’ to Discuss Politics With People They Disagree WithSenior news and media studies major Violet Herzfeld said she doesn’t like to remain silent if a topic is important to her.“If I feel that my perspective is necessary or could be beneficial in a situation, I share it without holding back,” Herzfeld said. “When I draw the line on civility it is because they either are implicitly or outright hateful toward any minority group, or their ‘opinions’ are all based on the memorized rhetoric of political commentators who intentionally say wild things to get their listeners hyped up. I have no respect for that.”Herzfeld said she has had to sever ties in the past with people who had extremely radical and offensive perspectives.“It is hard for me to look at people I once considered friends who actively support bigoted, racist [or] sexist ideas, policies and leaders,” Herzfeld said. “I know some people who are amazing friends on the day-to-day, but outwardly speak about things that are oppressive [or] misogynistic. Those are not people I want on my team at the end of the day, regardless of how they treat me personally.”Senior strategic communication major Danielle Foreman said people should be able to voice opinions without backlash.“People take politics to heart without hearing the other side out,” Foreman said. “If you are not a part of the solution, you are a part of the problem. Not speaking your voice allows those in power to do as they please.”For Lauren Dooley, a senior political science major and officer with the College Republicans,  it’s not just about party–it’s about respect.“I used to refrain from sharing my political views if I knew they wouldn’t be well received by someone who disagreed with me, but there’s more power in being able to disagree respectfully than sit in silence,” said Dooley.Wright said there are ways to disagree with someone’s viewpoints or beliefs in a constructive way.“When talking, find areas where you may agree on something. You may find that by doing so, the tension and stress will decrease in the conversation,” Wright said.When it comes to crossing the line between voicing an opinion and being offensive, Wright said there’s lots of gray.“Individuals have a right to voice their opinion and others may or may not find that opinion offensive,” Wright said. “Ask yourself — if your opinion was published on the front page of a newspaper, would you be able to stand behind it. Be mindful of the words and tone you are using when voicing your opinion and avoid any polarizing language and personal attacks that would likely offend another person.”For Herzfeld, so long as respect is at the core of every conversation, she believes there is room to agree to disagree.“To truly discuss politics in a healthy way, we must be open to learning from others,” Herzfeld said. “Even if we disagree, I respect others’ opinions so long as they are not oppressive, and so long as they have reasoning, logic and considerate thought behind them.”Although many refer to these times as being extremely politically divided, voicing a political opinion is entirely up to each individual.“Whatever one decides, it’s important to be informed and know how you may be impacted by certain political decisions,” Wright said. “It is important to remember that everyone has a voice and that they should feel able to speak out if they chose to do so.”If all else fails, Wright said it may be beneficial to suggest another activity to do as a group.With the holiday season in full swing, it’s important to try to find the balance between expressing an opinion and staying respectful — if not, you might just end up with coal in your stocking.  Grace Amiss Language barriers remain in TCU’s alert system Facebook Twitter ReddIt + posts Grace Amiss TCU cancels offer to trade tickets for canned food Grace Amiss Grace Amiss Previous articleWhat is Title IX?Next articleThe Skiff: December 6, 2018 Grace Amiss RELATED ARTICLESMORE FROM AUTHOR Grace Amiss Rory Gilmartin, 12, center, from Kenai, Alaska, sells a Christmas tree to sisters Elizabeth Benson, left, and Kathryn Zamora-Benson, right, from his family’s sidewalk business on 9th Avenue and 22nd Street, Thursday, Dec. 10, 2015, in New York. Each holiday season stands of Christmas trees from Vermont, Canada and North Carolina are sold license-free thanks to a nearly century-old ordinance that affords “coniferous tree” vendors a rare exemption to expensive licensing requirements. (AP Photo/Bebeto Matthews) ReddIt Twitter World Oceans Day shines spotlight on marine plastic pollution Revamped enrollment process confuses some students Facebook Welcome TCU Class of 2025last_img read more

County Announces 56 New COVID-19 Deaths

first_imgCommunity News County Announces 56 New COVID-19 Deaths 1,541 new cases announced CITY NEWS SERVICE Published on Wednesday, April 29, 2020 | 1:15 pm The LA County Department of Public Health has confirmed 56 new deaths and 1,541 new cases of the Coronavirus on Monday. This is the highest number of new cases reported to date.“To all of you who are facing a future without loved ones who have passed away from COVID-19, we are deeply sorry for your loss. You are in our thoughts and prayers every day,” said Barbara Ferrer, Director of Public Health. “In Los Angeles County, we have many residents that are at very high risk for becoming infected with COVID-19 and becoming seriously ill from the virus, and this is reflected in our case numbers, the number of people who are hospitalized, and the number of people who have died from COVID-19. We continue to prioritize the need for more intensive efforts to expand testing, treatment, and prevention strategies for these residents.”To date, Public Health has identified 22,485 positive cases of COVID-19 across all areas of LA County.In total there have been 1,056 fatalities.Ninety-two percent of the people who died had underlying health conditions.Of those who died, information about race and ethnicity is available for 977 people (99 percent of the cases); 38 percent of deaths occurred among Latinx residents, 28 percent among white residents, 18 percent among Asian residents, 14 percent among African American residents, 1 percent among Native Hawaiian/Pacific Islander residents and 1 percent among residents identifying with other races. African Americans, Native Hawaiian/Pacific Islander, and people living in communities with high levels of poverty continue to have the highest rate of death per 100,000 people for COVID-19 when compared to other groups.As of today, 4,715 people who tested positive for COVID-19 (22 percent of positive cases) have been hospitalized at some point during their illness. Testing capacity continues to increase in LA County, with testing results available for over 139,000 individuals and 14 percent of people testing positive.In response to motion by the County Board of Supervisors to address issues of inequities in COVID-19 outcomes, the county released a report about the racial/ethnic and socioeconomic characteristics of people who have been tested, hospitalized and died from the Coronavirus. The rates of the virus confirmed cases and deaths are extremely high among Native Hawaiians and Pacific Islanders.The rates are also higher among African Americans and Latinos than among whites and Asians.These trends are of great concern and suggest more affluent residents have better access to COVID-19 testing and treatment services, even as the rates of infection appear to be higher in lower income communities.The findings also highlight the urgent need for more intensive efforts to expand culturally competent testing, treatment and prevention strategies in the African American, Latino and Native Hawaiian and Pacific Islander populations, as well as in low income communities.The county is working with community partners to implement strategies that both acknowledge root causes of longstanding inequities in the distribution of resources needed for health, and an immediate set of action steps to improve access to testing, treatment and services. 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You Need To Know A Few TricksHerbeautyHerbeautyHerbeautyGained Back All The Weight You Lost?HerbeautyHerbeauty Make a comment Top of the News Community News Community News 18 recommended0 commentsShareShareTweetSharePin it STAFF REPORT Pasadena’s ‘626 Day’ Aims to Celebrate City, Boost Local Economy Home of the Week: Unique Pasadena Home Located on Madeline Drive, Pasadena EVENTS & ENTERTAINMENT | FOOD & DRINK | THE ARTS | REAL ESTATE | HOME & GARDEN | WELLNESS | SOCIAL SCENE | GETAWAYS | PARENTS & KIDSlast_img read more

Now Boarding: Understanding Servicer Records Onboarding Procedures

first_img The Best Markets For Residential Property Investors 2 days ago Onboarding Servicing 2019-08-30 Seth Welborn  Print This Post Servicers Navigate the Post-Pandemic World 2 days ago August 30, 2019 2,013 Views Accurate business records are the foundation of servicing and enforcement of promissory notes and mortgages. Most of the mortgage loan servicing process involves loans originated by others. Moreover, a large portion of loans are involved in service transfers, and therefore the records have been impacted by prior mortgage loan servicers—in many cases, more than one. As a result, it is critically important that the business records maintain reliability from origination to prior servicing, and ultimately to transferring into a new servicer.Evaluating the reliability of mortgage loan records involves two aspects of focus. First are the legal requirements associated with enforcing promissory notes and mortgages, such as proper endorsements, physical possession of the collateral, and proper assignment of mortgages. The second aspect involves proper loan business records, such as loan histories, escrow histories, system notes, and correspondence such as demand letters. It is this latter portion that is impacted most by loans and servicing data that transfer from one servicing entity to another. The process created to assure proper transfer is known as the “boarding process,” or onboarding procedures.Several Florida circuit courts have recently addressed the onboarding procedures of mortgage loan servicers. Courts are more closely scrutinizing a servicer’s boarding procedures to determine whether documentary evidence created by a prior servicer, but proffered into evidence at the trial by a subsequent servicer, will be deemed admissible. Generally, if a document is not created by a party to a lawsuit, the party cannot introduce it into evidence to support their case. This is known as the “hearsay rule,” an exclusionary rule of evidence. (Hearsay is defined as “a statement, other than one made by the declarant while testifying at the trial or hearing, offered in evidence to prove the truth of the matter asserted.” § 90.801, Fla. Stat. (2017). Documents are considered “statements” for purposes of this rule.)There are several exceptions to the hearsay rule, one of which is known as “the business records exception.” [The business records exception to the hearsay rule is codified at Fla. R. Evid. 90.803(6).] Florida courts apply this exception in the foreclosure context to allow documents created by a prior servicer to be admitted into evidence by a subsequent servicer, provided the servicer proffer adequate foundational testimony.Adequate foundational testimony is the critical point in trying a case which includes prior servicer business records. Typically, this testimony includes a description of how the servicer received the transferred records, where they were stored, how they were audited, and the transition process from staging to production. As a whole, the servicer’s foundational testimony must demonstrate the records were (i) accurate, (ii) reliable, and (iii) trustworthy before they were boarded.An adequate boarding process which conclusively establishes the reliability of prior servicer records is the standard that must be established at trial. Plaintiff witnesses who have training and expertise in the boarding process provide competent testimony to establish the business records exception to the hearsay rule. If adequate testimony is not presented, the court will exclude the prior servicer’s documents, which often includes the loan payment history, loan comments and demand letters. If business records are excluded, the foreclosure case is subject to dismissal for lack of proof.It is important to emphasize that the witness who testifies to the boarding procedure on behalf of the plaintiff must have personal knowledge of the boarding procedure. The witness must be able to present testimony establishing an onboarding procedure that demonstrates records were (i) accurate, (ii) reliable, and (iii) trustworthy before they were boarded. The witness must also establish that the current plaintiff and/or its servicer relied on the foregoing accuracy. This does not create a requirement that the witness testifies to having first-hand knowledge of the prior mortgage servicer policies and procedures. What is important is having an onboarding process that verifies the accuracy, reliability, and trustworthiness of the records that were onboarded to the current servicer.Testimony regarding a servicer’s boarding procedures has become a prominent and often disputed aspect of foreclosure trials. Recently, a Florida court delved even further into the substance and veracity of testimony proffered about the boarding process.  A recent circuit court case out of Miami-Dade County, Green Tree Servicing LLC v. Marin, illustrates this trend and the serious repercussions which can result when the veracity of a witness’s testimony is tested.In Marin, the defense counsel took the deposition of a servicer employee and questioned the boarding process. The employee offered deposition testimony regarding a training manual he reviewed which included a flow chart documenting the servicer’s boarding procedures. The borrower’s counsel propounded discovery seeking the training manual. Despite a court order to produce the training manual, the servicer refused to do so claiming it was a privileged work product. The judge issued a show cause order seeking an explanation from both the servicer and its attorneys as to why they should not be held in indirect criminal contempt for their failure to comply with the court’s order. Shortly after the show cause order was issued, the servicer produced the training manual, but it did not include the referenced flow chart. This continues to be a key issue in the case as the court scheduled a criminal trial for indirect contempt of court against the plaintiff’s attorneys.The Marin case, and others like it, bring to light the critical nature of the onboarding process, the procedures related to the process, the training, and testimony regarding onboarding prior records at trial.  Witnesses must be properly trained resulting in their working knowledge of the onboarding process.A Miami-Dade Judge went as far as to refer to a plaintiff’s boarding process as a “Legal Fiction.” The Court did not accept the credibility of the servicer witness. The Court ruled that the testimony regarding the boarding process “ … appeared to be merely repeating a mantra or parroting what she learned the so-called boarding process is without being able to give specific details regarding the procedure itself.  [The witnesses] demeanor at trial although professional, was hesitant and lacking confidence … ” The Court went on to discuss the lack of detail in the onboarding process itself, to ultimately conclude that the process was inadequate and not reliable.Servicers must take proactive steps to ensure they have a well-documented, well-understood, well-trained and well-adhered to the procedure in place for boarding loans. The onboarding procedure ensures documents received from another servicer are accurate, reliable and trustworthy before they are integrated into the new servicer’s system. A servicer’s witness at a deposition or trial must be intimately familiar with these onboarding procedures, together with any and all documentation which supports or describes the process to ensure the court is presented with adequate business record evidence. Data Provider Black Knight to Acquire Top of Mind 2 days ago Sign up for DS News Daily Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Previous: The Week Ahead: Economic Conditions and Real Estate’s Role Next: Fannie Mae Appoints Sheila C. Bair to Board of Directors Tagged with: Onboarding Servicing Related Articles Share Save Demand Propels Home Prices Upward 2 days agocenter_img Data Provider Black Knight to Acquire Top of Mind 2 days ago Servicers Navigate the Post-Pandemic World 2 days ago Demand Propels Home Prices Upward 2 days ago The Best Markets For Residential Property Investors 2 days ago The Week Ahead: Nearing the Forbearance Exit 2 days ago in Daily Dose, Featured, News, Secondary Market Governmental Measures Target Expanded Access to Affordable Housing 2 days ago Home / Daily Dose / Now Boarding: Understanding Servicer Records Onboarding Procedures About Author: Roy Diaz Roy A. Diaz is the Managing Shareholder of Diaz, Anselmo Lindberg, P.A. The firm provides representation in Florida, Illinois, Ohio, Indiana, Kentucky, Wisconsin and Michigan. Diaz has been a member of the Florida Bar since 1988. He has concentrated his practice in the areas of real estate, litigation, and bankruptcy. He has represented lenders, servicers of both conventional and GSE loans, private investors, and real estate developers throughout his career with an emphasis on the mortgage servicing industry for over 25 years. Now Boarding: Understanding Servicer Records Onboarding Procedures Subscribelast_img read more

Plans should be set in place for the extension of rail services in Donegal

first_img WhatsApp WhatsApp Further drop in people receiving PUP in Donegal Man arrested on suspicion of drugs and criminal property offences in Derry Twitter 75 positive cases of Covid confirmed in North Facebook RELATED ARTICLESMORE FROM AUTHOR Pinterest Pinterest Twitter Previous articleGAA – All Ireland U21 Final Preview Part 2Next articleNew road crossing outside Aura Leisure Centre News Highland center_img News Facebook Google+ Google+ Plans should be set in place for the extension of rail services in Donegal and the North West immediatley.Speaking on a debate on Transport in the Seanad last night, Senator Pearse Doherty, called on the Minister of Transport to make the creation of rail services in Donegal a priority.He says all parties, cross-border, are behind bringing rail here.And that it would be unacceptable if there was still no railway system in place in 20 years time.[podcast][/podacst] Plans should be set in place for the extension of rail services in Donegal By News Highland – April 29, 2010 Main Evening News, Sport and Obituaries Tuesday May 25th 365 additional cases of Covid-19 in Republic Gardai continue to investigate Kilmacrennan firelast_img read more

There Is No Constitutional Right For Insisting On Continuation Of Union’s Stake In BPCL; Bombay HC Dismisses Petitions Challenging UOI’s Decision To Disinvest

first_imgNews UpdatesThere Is No Constitutional Right For Insisting On Continuation Of Union’s Stake In BPCL; Bombay HC Dismisses Petitions Challenging UOI’s Decision To Disinvest Nitish Kashyap13 Nov 2020 10:37 PMShare This – xThe Bombay High Court on Thursday dismissed petitions primarily challenging the decision taken by the union of India of in-principle disinvestment of its shareholding in Bharat Petroleum Corporation Ltd observing that there is no fundamental or constitutional right for insisting on continuation of Union’s strategic stake in BPCL.Division bench of Justice SC Gupte and Justice Madhav Jamdar…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe Bombay High Court on Thursday dismissed petitions primarily challenging the decision taken by the union of India of in-principle disinvestment of its shareholding in Bharat Petroleum Corporation Ltd observing that there is no fundamental or constitutional right for insisting on continuation of Union’s strategic stake in BPCL.Division bench of Justice SC Gupte and Justice Madhav Jamdar was hearing a writ petition filed by Federation of all Maharashtra Petrol Dealers Association along with three other PILs. All four petitions raised a connected issue concerning the validity of repeal of the Burmah Shell (Acquisition of Undertakings in India) Act, 1976. Case BackgroundTwo of the petitioners are petroleum employees unions representing the employees of BPCL. Petitioners in the fourth petition claim to be public spirited individuals espousing the cause of public interest in the matter of strategic disinvestment of the Union’s stake in BPCL.The predecessor of BPCL was Burmah Shell Oil Storage and Distributing Company of India Ltd, which was incorporated in England in 1928, and was carrying on the business of distribution and sale of petroleum products in India. On January 24, 1976, Union of India, by an act of parliament known as the Burmah Shell (Acquisition of Undertakings in India) Act, 1976 (Burmah Shell Acquisition Act), acquired the right, title and interest of Burmah Shell’s undertakings in India on and from the appointed date, which was January 24, 1976. The said act reserved the Central Government’s right to direct, by notification, vesting of the right, title and interest and liabilities of Burmah Shell in a Government Company instead of continuing to vest in the Central Government. Around the same time, Union also acquired one Burmah Shell Refineries Ltd., which was also a foreign company carrying on oil refining business, and vide a notification of Ministry of Petroleum dated 24 January 1976, directed vesting of the right, title, interest and liabilities of Burmah Shell in the newly acquired company. The name of this company was changed first to Bharat Refineries Ltd. and subsequently to its current name, BPCL in 1997. In 2002, the Union Government, by exercise of its executive powers, sought to disinvest its shareholding in BPCL and another Government Company by the name of Hindustan Petroleum Corporation Limited (HPCL), which had vested in it the right, title, interest and liabilities likewise of another foreign company by the name of ESSO, which was acquired by Union of India by another acquisition Act, namely, ESSO (Acquisition of Undertakings in India) Act, 1974. The executive decision of the Union to disinvest its shareholdings in these two companies was challenged before the Supreme Court by one Centre for Public Interest Litigation. The Supreme Court, in the case of Centre for Public Interest Litigation vs. Union of India, held that the Union Government could not disinvest its shareholding, through an executive action, in either of the two companies without the repeal or amendment of the respective acquisition Acts, under which the respective undertakings were acquired by the Union. By the Repealing and Amending Act, 2016, the Union of India inter alia repealed the Burmah Shell Acquisition Act. The Repealing Act received Presidential Assent on May 9, 2016. On November 20, 2019, the Cabinet Committee of Economic Affairs, headed by the Prime Minister, granted its in-principle approval for strategic disinvestment of the Union Government’s shareholding in BPCL along with transfer of its management and control to a strategic partner. On March 7, 2020, BPCL, in pursuance of the in-principle approval referred to above, published an advertisement and released Preliminary Information Memorandum (PIM) to assist buyers in evaluating the acquisition of the Union’s shareholding in BPCL and submitting an Expression of Interest (EOI). The original date for receipt of EOI was extended from time to time due to the prevailing pandemic of Covid-19 and presently stands at November 16, 2020.Submissions Senior Advocate Navroz Seervai appeared on behalf of one of the petitioners and submitted that the original business and undertaking of Burmah Shell, acquired through an Act of parliament and vested in BPCL by a notification in pursuance of that Act, cannot be disinvested without specific legislative approval for such disinvestment from the parliament. Relying on the Supreme Court judgement in the case of Centre for Public Interest Litigation, argued that the original acquisition being under an Act of parliament, without the parliament having given its approval for disinvestment either by repeal or amendment of the Burmah Shell Acquisition Act, it is not legally possible for the Union Government to disinvest its shareholding in BPCL. Repealing the act, to the extent it repeals Burmah Shell Acquisition Act, does not amount to such parliamentary approval for disinvestment, Seervai added.While Additional Solicitor General Anil Singh appeared on behalf of the Union, Senior Advocate Darius Khambatta appeared for BPCL. Both questioned the locus of the petitioner to challenge the act of repeal and the decision to disinvest, besides urging the grounds of delay and suppression against the petitioner. JudgmentAfter examining the Supreme Court’s judgment in Centre for Public Interest Litigation vs. Union of India, Court noted-“The Supreme Court judgement in Centre for Public Interest Litigation, accordingly, by no means rules that disinvestment in a Government company is possible only through a statutory enactment or with parliamentary approval. It does not even support Mr. Seervai’s case that an undertaking acquired through an Act of Parliament and meant to vest in the Union or a Government company cannot be disinvested except through parliamentary approval. The ratio of the judgement is that if an undertaking is acquired through an Act of parliament and is required to vest in the Union or its company under that law, the same cannot be disinvested so long as the law requiring such vesting is on the statute book; that statute would have to be suitably amended so as to enable the Union to disinvest its controlling stake or change the public character of the undertaking, or the statute would have to be repealed altogether.”Moreover, Justice Gupte observed that parliament has repealed the Burmah Shell Acquisition Act. The effect of such repeal is that as of today, it is as though the statute never existed. Absent the statute of acquisition, there is no legal impediment for disinvestment by the Union of its controlling stake in BPCL, Court said.Furthermore, Justice Gupte asserted -“A repeal is but a repeal; it removes from the statute book an enactment which had held the field until then; and it does so in a manner as though the statute never existed. The courts cannot thereafter question the motive behind such removal – whether such removal was simply on the ground that the original statute had become obsolete or whether such removal was actually informed by the parliament’s tacit approval of a possible disinvestment which may follow as a result of the repeal. Much less would it be open to the courts to fault the legislation itself or parliament’s wisdom behind it on the ground that it ought to have been informed by such approval or that the parliament did not apply its mind to the aspect of such approval or the effects, including a possible disinvestment, which might follow it. It is not open to courts to scrutinize the legislative process in that manner.”Finally, the bench relied upon the Apex Court’s decision in BALCO Employees’ Union (Regd.) vs. Union of India and observed-“There is no fundamental or constitutional right for insisting on continuation of the Union’s strategic stake in BPCL. As submitted by Mr. Khambata, subsidies are a matter between the Government and the consumers; these may well continue whatever be the character of BPCL, whether public or private.”Referring to petitioner’s advocate Ramesh Ramamurthy’s submission that the said decision to disinvest will affect several groups, Court said-“As for reservations for MSMEs, women entrepreneurs, physically handicapped and war widows, apart from the fact that they are operational matters yet to be assessed and formulated, there is no fundamental or even statutory right to insist on any such reservation and, in any event, these are all incidental fall-outs and the economic policy itself can never be faulted on their basis. Same goes for the extant job reservations in favour of SC, ST, OBCs in BPCL as a Government company which would be lost after a change in its public character as a result of disinvestment.”All four petitions were dismissed.Click Here To Download Judgment[Read Judgment]Next Storylast_img read more

Kerala High Court Dismisses Plea For Allowing Relatives To Wash Dead Bodies Of COVID-19 Victims As Per Muslim Rituals For Cremation

first_imgNews UpdatesKerala High Court Dismisses Plea For Allowing Relatives To Wash Dead Bodies Of COVID-19 Victims As Per Muslim Rituals For Cremation Sparsh Upadhyay20 Nov 2020 11:09 PMShare This – xThe Kerala High Court on Thursday (19th November) refused to issue any direction to the State Government or the Union Government to overlook its Guidelines (COVID Protocol) and to follow the guidelines of the World Health Organization.The Bench of Chief Justice S. Manikumar and Justice Shaji P. Chaly was hearing Public Interest Litigations filed by members of Muslim community, basically…Your free access to Live Law has expiredTo read the article, get a premium account.Your Subscription Supports Independent JournalismSubscription starts from ₹ 599+GST (For 6 Months)View PlansPremium account gives you:Unlimited access to Live Law Archives, Weekly/Monthly Digest, Exclusive Notifications, Comments.Reading experience of Ad Free Version, Petition Copies, Judgement/Order Copies.Subscribe NowAlready a subscriber?LoginThe Kerala High Court on Thursday (19th November) refused to issue any direction to the State Government or the Union Government to overlook its Guidelines (COVID Protocol) and to follow the guidelines of the World Health Organization.The Bench of Chief Justice S. Manikumar and Justice Shaji P. Chaly was hearing Public Interest Litigations filed by members of Muslim community, basically seeking direction to the respondents (State and its officials and the Union of India) in regard to the management of the dead body of COVID-19 patients on the basis of the guidelines issued by the Government of India , World Health Organisation etc.Prayers”i) issue a writ of mandamus or any other appropriate writs, orders or directions commanding the respondents to dwell upon the request of the Islam community to revisit the guidelines issued in Ext.P1, taking into account the relevant inputs suggestive of the fact that SARS-CoV-2 Virus will not spread from dead body; ii) Issue a writ of mandamus or any other appropriate writs, orders or directions commanding the respondents to permit washing of dead body and shrouding of dead body, in accordance with the rituals in Islam community, ensuring health security of general public.”Contentions of the PetitionersThe basic contentions advanced by the writ petitioners were that the State of Kerala was not following the Standard Operating Procedure recommended by the Union Ministry of Health and Family Welfare as well as the World Health Organization.It was submitted that guidelines issued by the Union of India have to be practically followed.It was argued that the family members of the person who is hospitalized are not allowed to meet the patient as soon as he is admitted to the hospital and therefore, the family is not aware of as to what type of treatment is being given to the patient and what is the progress of his/ her health.That apart, it was also submitted that as soon as the patient dies, the hospital packs the body in plastic sheets and calls the Health Department, but the family of the deceased is called only for the purpose of making the payment of hospital bill amounting to a few lakhs of rupees.It was also their predominant contention that the dead body is not shown to the family and once the payment is effected, the Health Department takes the body away for cremation/burial, which is totally barricaded by the Police, having no public access.Again, it was contended that not a single family member is allowed to see the dead body and no one is allowed to enter into the area where cremation/burial is conducted and the family members are prevented from seeing the body or face of the deceased.Advocate Harris Beeran appearing for the petitioner in one of the writ petitions, contended before the Court that the World Health Organization has issued protocol and in accordance with the same, there is no prohibition for performing the last rights of a deceased person and to wash the dead bodyTherefore, it was prayed that Court issues directions to the State Government to take into account the guidelines issued by the World Health Organization in respect to burial and cremation, so as to eliminate the grievances highlighted by the family members of any deceased, consequent to COVID – 19.Court’s observationsThe Court observed that the guidelines are issued by the Union Government taking into account the fact situations prevailing in India and after securing necessary inputs and information from the respective stakeholders in regard to management of the dead body of COVID–19 patients.Further, the Court observed,”Exercising the power under Article 226 of the Constitution of India, this Court is not expected to overturn the guidelines or making additions to the guidelines without taking note of the exercise already undertaken by the Union Government before issuing the guidelines for management of the dead body of COVID – 19 patients.”The Court also took into account that in the guidelines of the Government of India and the State of Kerala, specific instructions are given with respect to performance of last rights of a deceased COVID -19 patient, and that clear prohibitions are created thereunder from touching the body and washing.In this backdrop, the Court observed,”We cannot substitute the said protocol and permit either the relatives or issue directions to the staff of the hospital or any other department to wash the dead bodies.”The Court further observed”In a welfare State like India, where the duty of the State to look after the welfare of the community as such is more predominant than any individual or vested interests, especially in a pandemic situation like the present one. Said so, we have no second thoughts to say that the rights of an individual, however, high and precious at times has to be sacrificed to serve the best interest of the citizens at large and pave way for convenience, rather than making any pedantic and narrow approach to the issue.”Taking into account all the aspects, the Court said,”We do not think, we need to issue any direction to the State Government or the Union Government to overlook the directions contained in the guidelines as above and to follow the guidelines of the World Health Organization.”Therefore, the writ petitions were disposed of directing the State Government “to strictly follow the guidelines issued by the Union of India and the State Government in the management of the dead bodies, and to make necessary arrangements for the performance of the last rights in accordance with the relevant guidelines”.Case title – Muhammed Haleem K.K v. State Of Kerala and others [WP(C).No.23237 OF 2020(S)]Click Here To Download Order[Read Order]Next Storylast_img read more

‘If you were one of her customers, you were friends for life’

first_img Remember America’s heroes on Memorial Day You Might Like Latest Stories The death of Georgia Ziglar on Friday left all those who knew her smiling through their tears.For her family and friends, it would be difficult not to cry and just as difficult not to smile.“Miss Georgia,” as she was affectionately known, had a way about her that made others smile. ‘If you were one of her customers, you were friends for life’ “Georgia had dreamed of owning a store and The Corner Store was her opportunity,” Helms said. “The Corner Store was where a lot of older people shopped. There they could get snuff and hard-tined bacon and hoop cheese; things they liked.”Helms said over on the left side of the store Ziglar would sometimes put a piece of furniture, a lamp or some little do-dad and it would sell.“That just set her on fire,” Helms said. “So, she started to think that she might could sell furniture. She would take brown paper bags and different little things in them. She called them grab-bags and put 99 cents on them. It was just something to get interest going.”And, Ziglar attracted a lot of interest so much so that Georgia Ziglar, the business woman emerged. By Jaine Treadwell Her patented response to “How are you?” was always “I’m perfect, but how are you?”“Of course, Georgia was not always perfect but she always turned the attention away from herself to others,” David Helms said of his mother-in-law. “Georgia was the most unselfish person I have ever known. She was full of fun and her store was always a happy place.”Georgia Ziglar was a successful business owner in downtown Troy for more than 40 years. She worked first as an accountant but took advantage of the opportunity to purchase The Corner Store, a grocery and meat market on the corner of Love Street. Georgia Ziglar, who was a successful business owner in Troy for more than 40 years, passed away April 24. She considered her customers friends for life, always shared a smile and genuine warmth, and was respected for her business acumen. By The Penny Hoarder Published 7:02 pm Monday, April 27, 2020 Skip Troy falls to No. 13 Clemson Plans underway for historic Pike County celebration Print Article Book Nook to reopen Sponsored Content She expanded her business to include Home Gallery, also on Love Street. And, for Ziglar, her business was all about her customers.“The reason for Georgia’s success was the personal attention she gave to her customers,” Helms said. “If you were one of her customers, you and Georgia were friends for life.”Many times a sale was sealed with a word and a hand shake. She wanted people to have nice things and she made it possible for them.“Georgia was such a caring person and so trusting,” Helms said. “Her customers didn’t want to disappoint her and very few ever did. She did many acts of kindness that no one every knew about. And, she wanted to show her appreciation to her customers for shopping with her. She would have customer drawings and give cash prizes at different times and always at Christmas.”Helms said his mother-in-law was a smart business woman and very caring and generous. Her relationship with her customers meant more to her than anything.  She was fun, caring and always upbeat.  She would always tell us- Sherry and me and the grandchildren- that the Lord has been good to us and we should be so thankful. We are thankful for all our blessings and one of our greatest is having ‘Miss Georgia’ in our lives.”Sharon Tew worked part time for Ziglar for four years but was a customer long before that and she, too, said Miss Georgia was a generous, sweet lady. “Georgia was a sweet precious woman” Tew said. “She loved to laugh and she loved a good story and she could tell a good story. I enjoyed hearing her tell stories about things that happened in her life — about things that she and Sherry did together.”Tew said Ziglar and her daughter would go to pick up furniture on a less than reliable truck and would have stories to tell when they got back to Troy.  “Georgia knew how to do things and she knew how to overcome any that came her way.“She was a very smart woman and she also had common sense,” Tew said. “Georgia loved and appreciated her customers and she let them know that they were important.  She would hug them and treat them like family, no matter their bank account.  She loved them all.”And, there was no better friend in the world that Georgia Ziglar. Ellen Baker was one of her closest friends and the loss hurts deeply.“Georgia was the best and closest friends I could ever have or want to have,” Baker said. “She always had a smile on her face. She loved her life for her family and friends and her customers.”The Ziglars, Georgia and Randolph, and the Bakers, Ellen and James, and two other Troy couples were very close and spend a lot of time together.“How much fun we had. All of us together,” Baker said. “Georgia always kept us laughing. She was always happy. I never saw her down. I felt good just being around her. If you were having a bad day, she would make you feel like it was a good day.“And, no matter what kind of day she might be having, when you asked her, she would say, ‘I’m just a perfect, how are you’ And, you would be better, because she was your friend.” Situation brings ‘unusual start’ for new FBC pastor Dr. Ross Lankford arrived in Troy with 30 years of service in the church. Now, he is the new pastor… read more Pike County Sheriff’s Office offering community child ID kits Email the author The Penny Hoarder Issues “Urgent” Alert: 6 Companies… Around the WebMd: Do This Immediately if You Have Diabetes (Watch)Blood Sugar BlasterIf You Have Ringing Ears Do This Immediately (Ends Tinnitus)Healthier LivingWomen Only: Stretch This Muscle to Stop Bladder Leakage (Watch)Patriot Health ZoneHave an Enlarged Prostate? Urologist Reveals: Do This Immediately (Watch)Healthier LivingRemoving Moles & Skin Tags Has Never Been This EasyEssential Health32-second Stretch Ends Back Pain & Sciatica (Watch)Healthier LivingThe content you see here is paid for by the advertiser or content provider whose link you click on, and is recommended to you by Revcontent. As the leading platform for native advertising and content recommendation, Revcontent uses interest based targeting to select content that we think will be of particular interest to you. We encourage you to view your opt out options in Revcontent’s Privacy PolicyWant your content to appear on sites like this?Increase Your Engagement Now!Want to report this publisher’s content as misinformation?Submit a ReportGot it, thanks!Remove Content Link?Please choose a reason below:Fake NewsMisleadingNot InterestedOffensiveRepetitiveSubmitCancellast_img read more