Switzerland Finance – Immo Gironde http://immo-gironde.com/ Sat, 08 Jan 2022 23:05:53 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://immo-gironde.com/wp-content/uploads/2021/05/immo-gironde-icon-150x150.png Switzerland Finance – Immo Gironde http://immo-gironde.com/ 32 32 What Kamala Harris Means For Your Student Loans https://immo-gironde.com/what-kamala-harris-means-for-your-student-loans/ Sat, 08 Jan 2022 23:05:53 +0000 https://immo-gironde.com/what-kamala-harris-means-for-your-student-loans/

Here’s what Vice President Kamala Harris could mean for your student loans.

Here is what you need to know.

Student loans

For the past year, student loan borrowers have been wondering where President Joe Biden stands on student loan cancellation. They asked questions like:

While congressional leaders have focused on pressuring Biden to enact a full-scale student loan forgiveness, there is another principal who also has important views on student loans. Harris, a former US Senator (D-CA) and presidential candidate, has proposed several reforms to student loans and higher education. Let’s explore. (What Biden’s Latest Student Loan Relief Means for Your Student Loans).


Student loans: student loan cancellation up to $ 20,000

Is Cancellation of Student Debt the Next Step? As a presidential candidate, Harris proposed to write off up to $ 20,000 in student loan debt. Under Harris’ plan, canceling the student loan would not be accessible to everyone. Rather, Harris has sought to make the student loan waiver accessible to certain borrowers. For example, borrowers who have received Pell Grants, which are available to low-income students to help pay for their education, could receive a discount on their student loan if they started and ran a business for at least three years in a disadvantaged community. The aim was to help stimulate the economy in disadvantaged opportunities, encourage entrepreneurship and cancel student loans. (Biden extended student loan relief, but advocates really want student loan cancellation).


Student loan cancellation: not for everyone

As a moderate US senator and presidential candidate, Harris has not supported canceling all student loans. Senator Bernie Sanders (I-VT) has proposed the cancellation of all $ 1.7 trillion in student loans, including all private and federal student loan debt. That said, Harris, like Biden, supports up to $ 10,000 for student loan debt cancellation. (Student loan borrowers will receive $ 15 billion in student loan cancellations). As vice president, Harris said the student loan crisis “is real” and recognizes the need for solutions. Likewise, while Senate Majority Leader Chuck Schumer (D-NY) and Senator Elizabeth Warren (D-MA) have proposed a student loan waiver of up to $ 50,000, they too do not support l total cancellation of student loans. As part of their plan, Schumer and Warren would limit student loan cancellation only to federal student loans and borrowers earning up to $ 125,000 a year. (Here’s who qualifies for the student loan waiver right now).


Student loans: Harris supports college tuition-free

One way Harris has proposed to ease the burden on student loans is to make two-year college education free. Specifically, Harris argued:

  • college tuition-free at two- and four-year public colleges and universities for borrowers who earn up to $ 125,000 in annual income; and
  • doubling the maximum amount of the Pell grant.

Sanders and Warren have both defended the tuition-free university in the US Senate and during the presidential campaign. Like the large-scale cancellation of student loans, Congress has yet to pass the college tuition-free. (If you’re waiting for your student loan to be forgiven, do so).


Harris would also cancel student loans for these student loan borrowers

Harris, like Biden, has advocated for student loan debt cancellation for student loan borrowers at historically black colleges and universities (HCBU) and institutions serving minorities (MSI). “Regarding the history of HBCUs, [students] decide to take on a profession of service, which often doesn’t pay as well as if they went into the private sector and did other things, ”Harris noted. “So for the students who come out and have jobs that earn less than $ 125,000, the student loan debt will be forgiven as well. “

Over the coming months and year, Harris, along with Biden, could play a key role in shaping the future of student loans, student loan cancellation and student loan relief. The most recent extension of student loan relief for 90 days is one example. However, student loan relief will not last forever. It is also possible that Congress will not pass legislation reforming student loans. Until then, make sure you understand your student loan repayment options.

Here are some popular ways to pay off student loans faster:


Student loans: related reading

Is Cancellation of Student Debt the Next Step?

Student loan borrowers to receive $ 15 billion in student loan cancellations

Do it while you wait for the student loan to be forgiven.

Biden extended student loan relief, but advocates really want student loan cancellation

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Barcelona’s Philippe Coutinho agrees to join Aston Villa on loan until end of season https://immo-gironde.com/barcelonas-philippe-coutinho-agrees-to-join-aston-villa-on-loan-until-end-of-season/ Fri, 07 Jan 2022 09:47:50 +0000 https://immo-gironde.com/barcelonas-philippe-coutinho-agrees-to-join-aston-villa-on-loan-until-end-of-season/

Aston Villa have reached deal to sign ex-Liverpool midfielder Philippe Coutinho on loan from Barcelona until the end of the season, the Premier League club announced on Friday.

Sources told ESPN that five Premier League teams have had talks with Coutinho’s side, Villa and another English club showing the most serious interest.

– ESPN + Viewers Guide: LaLiga, Bundesliga, MLS, FA Cup, more

However, the presence of Steven Gerrard, Coutinho’s former Liverpool team-mate, helped tip the scales in Villa’s favor.

The Premier League club said in a press release: “Aston Villa and FC Barcelona have agreed that Philippe Coutinho will spend the rest of the season on loan at Villa Park.

“The deal, which is subject to the player passing a medical exam and receiving a work permit, also includes an option to buy and Philippe will travel to Birmingham within the next 48 hours.”

Gerrard, who left Rangers to replace Dean Smith as Villa Park coach late last year, was instrumental in convincing the Brazilian to move to the Midlands.

Coutinho, 29, was previously reluctant to leave Barca, but the desire to play football regularly during a World Cup year has led to a change of mind.

Barca made Coutinho their most expensive signing of all time when they paid Liverpool € 160m in 2018.

His first season at Camp Nou, alongside Luis Suarez and Lionel messi, ended in a national double but he got lost during his second term.

He spent the 2019-20 season on loan at German giants Bayern Munich, scoring twice as they beat Barca 8-2 on their way to Champions League victory, before returning to Spain for the next campaign. .

Ronald Koeman has said he will help Coutinho return to his best form, but injury issues have kept the player under the Dutchman.

He missed the second half of last season with injuries and has only started once, a 1-0 loss to Real Betis, since the appointment of new manager Xavi Hernandez in November.

Coutinho tested positive for COVID-19 last week but is expected to be cleared to travel to England in the coming days and could enter Villa’s Premier League game against Manchester United on January 15.

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Innate Pharma obtains € 28.7 million in non-dilutive financing in the form of loans guaranteed by the State https://immo-gironde.com/innate-pharma-obtains-e-28-7-million-in-non-dilutive-financing-in-the-form-of-loans-guaranteed-by-the-state/ Wed, 05 Jan 2022 06:00:00 +0000 https://immo-gironde.com/innate-pharma-obtains-e-28-7-million-in-non-dilutive-financing-in-the-form-of-loans-guaranteed-by-the-state/

Marseille, France–(COMMERCIAL THREAD) – Regulatory news:

Innate Pharma SA (Euronext Paris: IPH; Nasdaq: IPHA) (“Innate“or the”Society“) announced today that it has obtained € 28.7 million in non-dilutive financing in the form of two loans from Société Générale and BNP Paribas.

Both loans have an initial term of one year with an option to extend for five years. They are 90% guaranteed by the French state as part of the package of measures put in place by the French government to support businesses during the COVID-19 pandemic.

“This additional funding is the opportunity to further strengthen our cash flow as well as our research and development activities in France. We would like to thank our banking partners, Société Générale and BNP Paribas, for their support. said Frédéric Lombard, Senior Vice-President and Chief Financial Officer of Innate Pharma.

About Innate Pharma:

Innate Pharma SA is a global clinical-stage oncology-focused biotechnology company dedicated to improving treatments and clinical outcomes for patients through therapeutic antibodies that harness the immune system to fight cancer.

Innate Pharma’s large antibody portfolio includes several potentially first-in-class clinical and preclinical candidates in cancers with high unmet medical need.

Innate is a pioneer in understanding the biology of natural killer cells and has extended its expertise in the tumor microenvironment and tumor antigens, as well as in antibody engineering. This innovative approach has resulted in a diverse proprietary portfolio and major alliances with leaders in the biopharmaceutical industry, including Bristol-Myers Squibb, Novo Nordisk A / S, Sanofi, and a multi-product collaboration with AstraZeneca.

Based in Marseille, France with a US office in Rockville, MD, Innate Pharma is listed on Euronext Paris and Nasdaq in the United States.

Learn more about Innate Pharma on www.innate-pharma.com

Information on Innate Pharma shares:

ISIN code

Ticker code

LEI

FR0010331421

Euronext: IPH Nasdaq: IPHA

9695002Y8420ZB8HJE29

Disclaimer regarding forward-looking information and risk factors:

This press release contains certain forward-looking statements, including those within the meaning of the Private Securities Litigation Reform Act of 1995. The use of certain words, including “believe”, “potential”, “expect” and “will” and similar expressions, is intended to identify forward-looking statements. Although the company believes its expectations are based on reasonable assumptions, these forward-looking statements are subject to numerous risks and uncertainties, which could cause actual results to differ materially from those anticipated. These risks and uncertainties include, among others, uncertainties inherent in research and development, including related to the safety, progress and results of its ongoing and planned clinical and preclinical trials, review and approvals by the regulatory authorities of its product candidates, the Company’s marketing efforts, the Company’s continued ability to raise capital to finance its development, and the overall impact of the COVID-19 epidemic on the global health system as well as the business, financial condition and results of operations of the Company. For further discussion of the risks and uncertainties that could cause the actual results, financial condition, performance or achievements of the Company to differ from those contained in forward-looking statements, please refer to the Risk Factors section. (“Risk factors”) of the Universal Registration Document filed with the Autorité des marchés financiers (“AMF”), available on the AMF website http://www.amf-france.org or on the Innate Pharma website, and public filings and reports filed with the United States Securities and Exchange Commission (“SEC”), including the Company’s Annual Report on Form 20-F for the fiscal year ended December 31, 2020, and subsequent filings and reports filed with the AMF or the SEC, or otherwise made public, by the Company.

This press release and the information it contains do not constitute an offer to sell or a solicitation of an offer to purchase or subscribe for Innate Pharma shares in any country whatsoever.

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]]> Gregg County Farmers May Be Eligible for Emergency Loans | News https://immo-gironde.com/gregg-county-farmers-may-be-eligible-for-emergency-loans-news/ Mon, 03 Jan 2022 03:49:00 +0000 https://immo-gironde.com/gregg-county-farmers-may-be-eligible-for-emergency-loans-news/

Farmers in Gregg County may be eligible for emergency loans from the US Department of Agriculture for producers recovering from natural disasters until August of next year.

USDA is considering loans for growers in 23 drought-stricken Texas counties including Camp, Hopkins, Titus, Wood, Franklin, Knox, Upshur, Baylor, Harrison, Marion, Smith, Delta, Haskell, Morris, Stonewall, Foard, Hunt, Rains, Throckmorton, Gregg, King, Red River and Van Zandt counties.

“According to the US Drought Monitor, these counties suffered a drought intensity value during the growing season of 1) D2 Drought-Severe for 8 consecutive weeks or more or 2) D3 Drought-Extreme or D4 Drought-Exceptional . said a USDA statement on the act.

A USDA D1 drought classification describes droughts with unusually dry conditions with short-term drought and “persistent water deficits,” according to the National Drought Mitigation Center at the University of Nebraska-Lincoln. Droughts classified as D3 or D4 generally show signs of severe to widespread crop losses and water shortages or emergencies.

“Emergency loans can be used to meet a variety of recovery needs, including replacing essential items such as equipment or livestock, reorganizing a farm or refinancing certain debts. The FSA will review loans based on the extent of losses, available collateral, and repayment capacity. The statement said.

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Bundesliga transfer window in January 2022: deals, signings, loans, fees made so far https://immo-gironde.com/bundesliga-transfer-window-in-january-2022-deals-signings-loans-fees-made-so-far/ Sat, 01 Jan 2022 15:07:36 +0000 https://immo-gironde.com/bundesliga-transfer-window-in-january-2022-deals-signings-loans-fees-made-so-far/

Here are all the confirmed movements in and out of the Bundesliga.

Augsburg

In: n / A

Outside: n / A

Hertha Berlin

In: Fredrik Bjørkan (Bodø / Glimt, free)

Outside: n / A

Union Berlin

In: Dominique Heintz (Friborg, free), Gonzalo Castro (Stuttgart, free)

Outside: n / A

Arminia Bielefeld

In: n / A

Outside: n / A

Bochum

In: n / A

Outside: n / A

Borussia Dortmund

In: n / A

Outside: n / A

Eintracht Frankfurt

In: n / A

Outside: n / A

Freiburg

In: Hugo Siquet (Standard Liège, £ 4m)

Outside: Dominique Heintz (Union Berlin, free)

Greuther Fürth

In: Daniel Adlung (Schweinfurt, free), Fabian Baumgärtel (Elversberg, free)

Outside: Nils Seufert (Sandhausen, loan), Nunoo Sarpei (Ingolstadt, undisclosed)

Hoffenheim

In: n / A

Outside: n / A

Cologne

In: n / A

Outside: n / A

RB Leipzig

In: n / A

Outside: Marcelo Saracchi (free agent), Brian Brobbey (Ajax, loan), Luan Cândido (RB Bragantino, £ 2.5million)

Bayer Leverkusen

In: Lennart Grill (Brann, loan ended)

Outside: n / A

Mainz

In: n / A

Outside: n / A

Monchengladbach

In: n / A

Outside: n / A

Bayern Munich

In: Liu Shaoziyang (Three Cities of Wuhan, undisclosed)

Outside: n / A

Stuttgart

In: n / A

Outside: Gonzalo Castro (Union Berlin, free)

Wolfsburg

In: n / A

Outside: n / A

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How Inflation Could Affect Your Student Loans https://immo-gironde.com/how-inflation-could-affect-your-student-loans/ Thu, 30 Dec 2021 22:24:31 +0000 https://immo-gironde.com/how-inflation-could-affect-your-student-loans/

Inflation, the rising cost of everyday items, has been on everyone’s mind lately, from investors to policy makers to borrowers. The reason this matters to borrowers is that inflation can result in higher interest rates on all types of debt, including student loans.

So how can inflation impact student loans and should you be concerned?

If you’re like most professionals, you may have graduated with over $ 100,000 in student loans. Unlike credit card debt that was used to buy things you couldn’t use for a long time, student loans funded your education and training, which is the foundation of your career. But with rising inflation, there are growing concerns that student loan rates and payments will also increase.

Real Money contributor Ed Ponsi says we’re sandwiched between inflation and other economic concerns, and the pandemic’s turn for the worse. But it has a sweet stock to buy and keep for the new year, with graphics and delicious reason. Learn more about it and get more real money investing ideas.

Read more: US inflation hits almost 40-year high, 6.8% in November

How inflation actually helps student loan borrowers

The good news is, if you have a fixed rate, inflation could actually help. Inflation drives up the price of everything, including wages. This means that some borrowers pay off certain fixed rate loans with dollars that are less valuable than the ones they borrowed and your monthly payment does not increase.

So if the borrower has a fixed rate student loan and has a salary that keeps pace with inflation, then inflation can help.

But inflation can hit some private loans hard

While inflation can be good for those with a fixed rate, the same is not true if you have a variable interest rate loan, such as a private variable rate student loan.

The rates that borrowers pay for variable rate loans are usually indexed to prevailing market interest rates. Market interest rates tend to rise whenever lenders see inflation on the horizon. In times of higher inflation, borrowers should expect interest rates on variable rate loans to increase. If borrowers see a higher monthly bill than expected, it’s likely an adjustable rate student loan with a rate adjustment.

So, with rising inflation expected to continue through 2022, it’s worth checking whether your student loan has a fixed or a variable rate. According to Ernest Burley, a certified financial planner, “With inflation on the rise, you don’t want to be in a variable interest rate loan. It’s a great idea to lock in a low fixed interest rate on your student loan (or any other loan).

More in our series on inflation:

Steps You Can Take To Avoid Inflation Pains

Refinancing: Experts agree that the first thing to do is swap any floating rate debt for a fixed rate, if possible. So if you have an adjustable rate private student loan, it may be a good idea to start looking for refinancing now before the rates go up.

Pay off your debt: If you have credit card debt, maybe now is the time to start paying it off to make sure your monthly payments don’t eat up a growing chunk of your paycheck, especially if you’re working. where wages don’t go up as fast.

If you invest, own stocks: you want to make sure that your savings keep pace with rising prices. When you own bonds, you’re essentially in the same position as other lenders – facing the possibility of being paid back with dollars that are less valuable than what you loaned. Inflation can cause short-term disruption in the stock market, but in the long term, corporate profits should keep pace with rising prices.

This is definitely the time to “be wise, careful and strategic”. Burley said.

Resources: From Federal Office for Student Aid, find out more about:

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]]> Business News | Stock market and stock market news | Financial news https://immo-gironde.com/business-news-stock-market-and-stock-market-news-financial-news/ Wed, 29 Dec 2021 04:37:23 +0000 https://immo-gironde.com/business-news-stock-market-and-stock-market-news-financial-news/














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