Immo Gironde Thu, 29 Jul 2021 03:48:15 +0000 en-US hourly 1 Immo Gironde 32 32 Memphian has paid off over $ 45,000 in student loans and is debt-free Thu, 29 Jul 2021 02:45:00 +0000 “I worked for a nonprofit organization, so I certainly don’t make a lot of money,” said Austin Hasenmueller.

MEMPHIS, Tenn. – Right now, federal student loan payments are on hold as millions rebound from the pandemic.

RELATED: Biden Officials Consider Taking Action To Ease Student Debt

But a woman from Memphis hasn’t stopped her payments.

“I paid $ 45,749 in 16 months,” said Austin Hasenmueller, from Memphis.

Hasenmueller made the announcement on Facebook. Now his student loan debt is fully paid off.

“School was my only debt, my loans that I took out. But also my mother had taken out Parent PLUS loans, ”Hasenmueller said. “So I was paying off my debt and his debt. This is the deal we made when I went to college.

Hasenmueller is not a millionaire and she did not inherit this money.

“I worked for a non-profit organization, so I’m definitely not making a lot of money,” she said.

During the pandemic, Hasenmueller learned these new skills in a church finance class. Budgeting, saving, and finding odd jobs helped her keep the numbers down.

“I started to create a kind of clientele of people to come home to or sit down to plant,” she said. “In Memphis, there is a place called Bio Life Plasma Services. I signed up there, and I’m telling you that in less than three months, and not even every week, I made almost $ 800, ”Hasenmueller said.

If you’re one of the millions with student debt, Stacey Hyde, CEO of Envision Financial Planning advises, in addition to bringing in money, to look for ways to save more and spend less.

“Be deliberate,” Hyde said. “Get your credit card bills, get your bank statements, and figure out where your money is going. This is the first step, is to understand where the money is going.

For Hasenmueller, that meant saving money on one of his biggest bills, rent.

“During COVID, I didn’t pay rent because my mom was kind enough to let me stay with her,” Hasenmueller said. “There definitely has to be some sacrifice, if you really want to get rid of your debt you might have to do things you don’t want to do, like moving out with your parents. And this is not an option for everyone. But it was an option for me.

Hyde says downsizing, finding roommates, or helping the elderly could save a few dollars.

“There are a lot of old people out there who need help around the house and, but still want to be home, you know, maybe you’d break some kind of deal to go and stay with them shopping. “Hyde said.

In short, getting out of the red is difficult, but it is possible.

For people who do, like Hasenmueller, it’s worth every penny.

“Now I have no debt in my name, and that’s something that’s very liberating.”

Federal student loan payments and interest rates are suspended until the end of September.

Financial planner Stacey Hyde advises you to put aside the money you owe. This way you are not late when payments resume.

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Real estate development market outlook 2021: big things Wed, 28 Jul 2021 20:16:00 +0000

Real estate development market

The latest independent research paper on global real estate development examines investments in the market. It describes how companies deploying these technologies in various industrial sectors aim to explore its potential to become a major business disruptor. The Real Estate Development Study escapes very useful reviews and strategic appraisal including generic market trends, emerging technologies, industry drivers, challenges, regulatory policies that propel the market growth , as well as the profile and strategies of the main players. This version of the Real Estate Development Market report advocates analysis by Alargan Towell, Savills, Engel? Völkers, Cluttons, Al Habib Co LLC, Hamptons International, and Al Qandeel.

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As research and application in real estate development [Commercial, Residential & Other] continues to expand, the market will see deeper integration and application of more technologies in the future. This commercialization of the market plays a positive role in accelerating the digitization of real estate development activities, improving the structures of the industrial chain and improving the efficiency of the use of information. The results mainly focus on the category or type of product:, warehousing, affordable housing and service hotels and apartments, etc., underpinning many recent advancements in other real estate development technologies.

In order to provide a more informed view, real estate development research provides insight into the current state of the rapidly changing industry, looking through the lenses of end users and service providers / players to provide a view. more robust.

Market scope

Based on the type of product, the market is segmented into:, warehousing, affordable housing, and service hotels and apartments

On the basis of end-use application, the market is segmented into: commercial, residential, and other

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Regional landscape

Geographically, the real estate development market size by revenue is broken down by more than 18 countries in North America, LATAM, Middle East, Asia-Pacific, Africa and Europe according to various characteristics such as geographic footprints and locations of actors’ business operations.

HTF MI analysts shed light on real estate development market data by country

Asia-Pacific (Vietnam, China, Malaysia, Japan, Philippines, South Korea, Thailand, India, Indonesia, Australia and others)
Europe (Germany, Russia, UK, Italy, France, Spain, Belgium, Netherlands, Switzerland, Nordic countries, rest of Europe.)
North America (United States, Mexico and Canada)
South America (Brazil, Argentina, Chile, rest of South America)
Middle East and Africa (GCC countries, Turkey, Israel, South Africa, Egypt and rest of MEA)

The real estate development study cites various market development activities and business strategies such as new product / service development, joint ventures, partnerships, mergers and acquisitions, etc. LLC, Hamptons International and Al Qandeel use to overcome macroeconomic scenarios. Company profiles of the Real Estate Development Market include company overview, product / service offerings, SWOT analysis, segment and total revenue, gross margin and percentage of market share.

Doesn’t match the business objective? Find out how to customize the @ report

Excerpts from the study of the global real estate development market

1. Market overview
2. Factor Analysis of Global Real Estate Development Market
– Value chain analysis
– Growth drivers, trends and challenges
– Carriers 5- Force Analysis
– PESTEL analysis
3. Real Estate Development Market by Type (2016-2026) [, Warehousing, Affordable housing & Hotels & Service Apartments]4. Market by Applications / End Users (2016-2026) [Commercial, Residential & Other]5.Real estate development market: landscape of the country
6. Market size distribution for each country
7. Competitive landscape
– Market share analysis by players
– Company profiles

……….. Continued

Data sources and methodology

The primary sources involve industry experts of the global real estate development market including management organizations, processing organizations, industrial value chain service providers. In the in-depth research process undertaken for this study, the main sources considered, such as postal surveys, telephone, online and face-to-face surveys, were used to obtain and verify the qualitative aspects and quantitative. Regarding secondary sources, company annual reports, press releases, websites, investor presentations, conference call transcripts, webinars, journals, regulators, national customs associations and industry have been used.

Read the detailed index of the full research study at @

Thank you for reading the Real Estate Development Industry Research publication; you can opt for regional report version like Western Europe, USA, China, Southeast Asia, LATAM, APAC, etc. In addition, we can offer you personalized search services as HTF MI owns a database repository that includes public organizations and millions of private companies with expertise in various areas of the industry.

Contact us:
Craig Francis (Public Relations and Marketing Manager)
HTF Market Intelligence Consulting Private Limited
Unit # 429, Parsonage Road Edison, NJ
New Jersey United States – 08837
Telephone: +1 (206) 317 1218

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About the Author:
HTF Market Intelligence consulting is uniquely positioned to empower and inspire research and advisory services to empower businesses with growth strategies, delivering services with extraordinary depth and breadth of thought leadership, research, tools, events and experiences that aid in decision making.

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Residents of North Central Florida Eligible for Disaster Loans After Tropical Storm Elsa Fri, 23 Jul 2021 21:10:00 +0000

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GAINESVILLE, Fla. (WCJB) – People and businesses in north-central Florida are now eligible to receive assistance from the U.S. government to help repair damage from Tropical Storm Elsa.

The Small Business Administration of the United States is providing disaster loans to a number of areas affected by the storm. Eligible North Central Florida counties include Alachua, Bradford, Columbia, Gilchrist, Levy, Marion, Putnam, and Union counties.

All businesses or homeowners in affected counties are eligible to apply for a loan and there is no penalty for doing so. The SBA also says that these loans cover certain areas that the insurance does not cover.

“It’s free to apply. It doesn’t cost anything, so don’t opt ​​out of the process. Let the SBA loan officer determine whether or not you are eligible, ”said Cecilia Filke Jacobson, public affairs specialist at the SBA.

TRENDING STORY: Ocala police investigate shooting death of 16-year-old

“Let’s say you qualify for a loan of up to $ 50,000, you don’t have to accept the full loan amount. You can say, ‘Okay, I don’t really want to take such a big loan, I just want a loan of $ 10,000.’ This is also good and there is no penalty. You can also decline a loan offer and say that you are not interested.

The deadline for applying for physical damage loans is September 20 and the deadline for economic damage is April 22, 2022.

To apply for a loan, click on HERE. And for more information, including loan types, interest rates, and requirements, click HERE.

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FACTBOX-Big global banks make plans to return to office as vaccines roll out Fri, 23 Jul 2021 16:55:25 +0000

The world’s largest banks plan to reopen their offices, emboldened by aggressive vaccination campaigns and declining COVID-19 cases in major financial centers, after sending most employees home early last year to help stem the spread of the coronavirus.

Banks around the world are adopting different methods to ensure a successful return to office plan, including hybrid work models and vaccination campaigns. Here is the status of return-to-office plans in different regions:

UNITED STATES Wells Fargo & Co

U.S. home-based bank staff will begin to resume their duties from Sept. 7 and the process will continue through October, COO Scott Powell told employees in a note viewed by Reuters. Returns to the office will be organized by function and workplace. Goldman Sachs Group Inc

The bank planned to get the American workers back to the office by mid-June. JPMorgan Chase & Co

The largest U.S. bank will return its U.S. employees to the office on a rotational basis starting in July and plans to maintain a 50% occupancy cap during the return-to-office phase. The bank also plans to speed up the return of all its employees in England to work for at least part of their week in its offices from June 21.

Citigroup Inc CEO Jane Fraser said in a note in March that after the pandemic most employees could work in a “hybrid” setting, allowing them to work from home for up to two days a week.

Morgan Stanley The bank’s chief executive, James Gorman, said if most of the employees did not return to work at the bank’s Manhattan headquarters in September, he would be “very disappointed.”

Gorman said his bank’s policy will vary by location, noting that the company’s 2,000 employees in India will not be returning to their offices this year. Bank staff and customers will not be allowed into its New York City offices if they are not fully vaccinated, according to a source familiar with the matter. Employees, customers and visitors will need to attest to being fully immunized to access the bank’s offices in New York and Westchester, the source said.

Bank of America Corp The lender expects all of its vaccinated employees to return to the office after Labor Day in early September, and will then focus on developing plans to bring unvaccinated workers back to its sites, the bank said. Managing Director Brian Moynihan https: // Bloomberg News in an interview.


CEO Jes Staley said the bank will adopt a hybrid working model and reduce its real estate footprint while retaining its main offices in London and New York. HSBC Holdings

HSBC has announced plans to reduce its global office footprint by around 40% by switching to a hybrid work model for most employees. The lender moved 1,200 call center workers in Britain to permanent work-from-home contracts, Reuters reported in April, going further than some rivals in consolidating changes in working patterns. Lloyds Banking Group

Britain’s largest national bank hopes to resume testing and experiments in its offices with around 5,000 of its employees this summer, once government restrictions allow. The lender has announced plans to cut 20% of its offices over two years. Standard Chartered

StanChart said it would make the flexible working arrangements introduced during the pandemic permanent and could downsize a third of its offices over the next three to four years. NatWest

CEO Alison Rose said the bank will likely adopt a hybrid working model, but stressed that offices will remain important as a place where people come together to collaborate. GERMANY

Deutsche Bank Deutsche Bank in London plans to bring back more staff from June 21, assuming the city’s lockdown restrictions are relaxed, according to a person with knowledge of the matter.

Germany’s largest lender has also told its investment bankers in the United States that it expects them to return to work no later than Labor Day, according to a memo viewed by Reuters. The bank said earlier it was taking a regional approach to the pandemic and returning to office issues, reflecting the different situations in each country. SWISS

Credit Suisse Credit Suisse launched a global program in July 2020 evaluating various work-from-home options, which are expected to shape its post-pandemic working models. It has been monitoring and adapting working arrangements since the global launch of working from home in March 2020, taking into account local guidelines.

UBS chairman Axel Weber said in May that flexibility will continue to be part of working arrangements at Switzerland’s largest bank, where roles permit. Plans to return to the office vary from region to region, in accordance with local government guidelines.

CANADA Bank of Canada

The central bank will allow most of its staff to remotely clock in for up to half their working hours once public health guidelines allow it to fully reopen offices, a spokesperson said. The bank plans to bring back many employees after the summer, but it doesn’t see conditions returning to normal until 2022, according to a Bloomberg News report.

The Royal Bank of Canada, the country’s largest lender, is exploring a flexible and hybrid work regime to bring its employees back to the office, said CEO David McKay.

Source: company statements, memo, sources, media reports

(This story was not edited by Devdiscourse staff and is auto-generated from a syndicated feed.)

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Aditya Birla Group invests around Rs 1,500 crore in Punjab, Real Estate News, ET RealEstate Fri, 23 Jul 2021 13:41:00 +0000 CHANDIGARH: Punjab Chief Minister Amarinder Singh on Friday praised the Aditya Birla group for investing around Rs 1,000 crore in its recent foray into the paints segment and an additional Rs 500 crore in setting up a cement unit in Rajpura.

Speaking on the occasion after delivering a land allocation letter for 61 acres of land at a cost of Rs 147 crore in the newly developed Hi-Tech Valley Ludhiana, the Chief Minister said this investment would further act as a catalyst to stimulate industrial activity in the Region.

He also mentioned that the Punjab provides a pleasant climate for potential entrepreneurs and industrialists due to a peaceful workforce coupled with a robust infrastructure in terms of excellent road, rail and air connectivity.

He said the Punjab, due to its investor-friendly industrial policy and lucrative incentives, has now become the country’s most preferred investment destination. ‘Invest Punjab’ as a one-stop-shop has transparently facilitated the collection of massive investments worth Rs 91,000 crore in over 2,900 project proposals received over the past four years, official statement says here.

Of these investments, nearly 50% have already started commercial production and the state has been able to attract such significant investments even at the height of the COVID-19 pandemic.

Expressing his gratitude to the Chief Minister, Aditya Birla Group Chairman Kumar Mangalam Birla, who joined the meeting virtually from Mumbai, affirmed his faith in the Punjab’s industrial ecosystem, forward-looking industrial policies and a non-intrusive government interface.

He praised the speed at which the government of Punjab acted to attract this investment to the state and also appreciated the facilitation provided by the state at every step.

Birla further informed the Chief Minister that the upcoming paint manufacturing unit is likely to generate direct employment of over 600 people and around 1,500 potential indirect jobs through its operations.

He said that this future plant would be equipped with the best safety and environmental protection systems without liquid discharge. Looking forward to continued support to set up more such ventures in the near future, he said Punjab was now on their priority list.

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Info / Advice on Available Student Loans | News, Sports, Jobs Fri, 23 Jul 2021 07:04:03 +0000

LANSING – As the Michiganders prepare for the next fall semester and begin paying their tuition fees, the Michigan Department of the Treasury’s Student Assistance Team is calling on students and their families to be vigilant and informed when considering student loans.

To make the best decisions about student loans, the MI Student Aid team recommends seven financial aid tips:

Fill out the Free Application for Federal Student Aid (FAFSA). Colleges use information from the FAFSA to determine their financial aid awards. By completing and submitting the FAFSA, students are maximizing all of their financial aid options.

≤ Understand that loans must be repaid. Not all financial aid included in a financial aid award letter is free money. Many financial aid scholarships will include federal student loans. Unlike grants and scholarships, loans must be repaid with interest.

Check the amount of interest offered on a loan before accepting it. Federal student loans, parent undergraduate student loans (PLUS), and private loans have varying interest rates and repayment terms. Before taking out loans, students should identify and compare the interest rate on each loan, then accept the loans with the best interest rates and repayment terms.

Accept only the amount you will need. Students can either decline a loan or request a lower loan amount, and the financial award letter should include instructions on how to do this.

≤ Be aware of loan scams. In a typical student loan scam, a scammer will ask for banking information from a student looking for loans. The scammer usually claims that he will use the information to make a direct deposit to a student’s account in exchange for upfront fees and gift cards. Instead, the scammer accesses the student’s bank account and withdraws funds. Also, beware of refund scams. You don’t have to pay for help when repaying student loans. Contact your repairer if you have questions about the refund.

≤ Visit the school’s financial aid office once per semester. While students may not have to start repaying their loans while they are in school, they shouldn’t wait to understand their responsibilities. Students should know their college or university’s student account status and track the types of help they receive.

Create a account., managed by the US Department of Education, is a one-stop shop for managing federal student aid. With a account, students can track all of their student loans, check each person’s interest rate and the total interest accrued to date.

According to the National Student Loan Data System, individuals have approximately $ 1.7 trillion nationwide and more than $ 52.5 billion statewide in outstanding student debt.

For more information, visit or contact MI Student Aid at, 1-888-447-2687 or @mistudentaid on Facebook, Twitter, Instagram and Snapchat.

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Unknown stars ready to sparkle Row360 Thu, 22 Jul 2021 21:46:58 +0000

Thursday morning, there were 24 hours left, and the glistening sea forest waterway sparkled with contained excitement. At nine in the morning, the course was dotted with crews making long, tapered rides, paddling loop after loop with a few gusts to test their top speeds. A few starts. A few finish sprints. Lots of nice oars to look at. It’s a little different when you don’t know the shape of many crews: each unit coming down the track looks like a dark horse. Even for those who have raced in Europe before, the unknown is how they will fare against the absentees – especially Australia, New Zealand, China, the United States and Canada – the uncertainty works. in both ways. The heat, spread over the first three days, will tell us a lot.

Photo Crew training on the course in Tokyo on Thursday
Credit Rachel Quarrel

Later in the morning, the spare races aided officials and commentators by testing the time trial format before setting off again an hour later, side by side. The time trials were suitably boring, but the side-to-side competitions, although with the exception of a women’s singles race that didn’t really bite our nails, lit up the lake with determined intent and reported wins for GBR), Netherlands1 (W1xa), Italy (W1xb), Romania (M1xa) and Germany (M1xb). As they finished after noon, the wind shifted to a stronger crosswind, slightly across the stands, although the water conditions didn’t look too bad. The forecast calls for a slightly stronger wind on Friday, but the worst weather conditions are forecast for the final days, although high winds and thunderstorms are more likely to occur in the afternoon after the end of the race. FISA has its usual premier wind forecasting service and hosted the Asian Qualifying Regatta here in May. She is therefore convinced that she understands the likely trends, aided by the weather recording buoys installed in 2019 during the opening of the Sea Forest course.

Photo Matt Smith, Executive Director of World Rowing in Sarasota, Florida, 2017
Credit Benoit Tufnell

FISA Executive Director Matt Smith, who hosted his last Olympic Games for world rowing before his retirement, told Line360 that although flights to Haneda Airport over the course are not disrupted for rowing, the situation is under control. “The problem with aircraft noise has been known since we started working on this site with Tokyo in 2007. It is not a big problem for us and only causes a 5-7 second variation in the sequence. start because the planes can be seen well. in advance of the given starting time and the starter can adjust. However, it may be different for the equestrian cross country competition, which takes place on Sundays between rowing and canoeing in the man-made Sea Forest created behind the rowing front. It appears that special flight arrangements were made for the three-hour cross-country event, in order to avoid scaring the horses.

The Lithuanian M4x had gone out paddling with the others, having borrowed a boat from a boatbuilder, and seemed comfortable doing a flurry. It appears they were kept abreast of the Russian anti-doping disqualification through an internal Russian source, so they may not have been very surprised to be invited to the Olympics last Sunday. Line360 Asked Smith if he thinks doping problems are on the rise in the sport, after the two Russians and a handful of rowers banned by their own federations this year, including 2018 Lithuanian world champion Ieva Adomaviciute. “I know the number of tests being done in all sports has increased and as a result there is a higher detection percentage,” Smith said. “I am concerned about the high financial rewards offered in all sports, regardless of sport, by Sports Ministries or NOCs for Olympic medals. For many countries, these financial rewards are extreme compared to the cost of living and the quality of life which, of course, could encourage taking risks in order to perform. But he said he believed doping in rowing was under control due to the very low number of positives, even though testing had increased.

Photo Moe Sbihi (right) with teammate Tom George after beating German rivals in M8 + at the 2021 Rowing World Cup II, Lucerne Switzerland
Credit Benoit Tufnell

Thursday also announced that two other rowers will carry flags during the opening ceremony: the British engine room M8 + Moe Sbihi (with sailor Hannah Mills) and the Ivorian Kouadio Franck N’Dri, their M1x. Normally rowing begins the morning after the Opening Ceremony, which means team members are rarely represented. But even though joining a long procession during the COVID era is not a tempting prospect, the Friday morning race (and Sbihi is only in action on Sunday) allows more rowers than normal to participate if they wish. What’s the bet that the British men’s eight will slip into the group behind Sbihi?

Back there, it’s unclear if those watching the sleeves on TV will hear anything from the stands: cheering is strictly forbidden, even “speaking loudly” is discouraged and I imagine the vuvezelas would be completely out of touch. custom, thank goodness. The stands will not be completely empty, since other rowers – far enough away of course – are allowed to stay and watch their teammates until they open their mouths, but there will no doubt be air horns, soccer rattles or lightning coming out. (How soon can you get an Amazon Prime delivery to the Olympic Village?) And the curved roof over the media offices rather echoes the enthusiastic applause, though the incessant background muzak is completely in the way. There has been talk of the Olympic broadcasting service adding crowd noise to its footage, but some rights holders such as the BBC and NBC will be making their own comments, which could erase the false sounds from the audience.

Photo Medal ceremony rehearsals Thursday at Tokyo 2020 rowing venue
Credit Rachel Quarrel

The word is that in the Olympic Village, people behave quite cautiously, which may explain why cases do not seem to be increasing, especially among athletes. Yes, there are a few new ones every day – especially in the Czech squad, which now has up to five COVID positives at the Games and has pushed the Czech Olympic Committee to launch an investigation. But lately, more and more new cases concern athletes still in their country of origin, justifying the obligation for the competitors not to go to Tokyo more than five days before their competition. Instead of COVID, Thursday’s news was about the latest scandal to hit the opening ceremony – its manager being fired 30 hours before the start after making a nasty anti-Semitic joke – and about rowing supremo John Coates , from the Australian Olympic Committee, denigrating a colleague during a press conference broadcast live on their successful bid for the Brisbane 2032 Games.

There will be more. In an Olympic week, almost everything revolves around the Olympics. Panasonic, Toyota and a Japanese real estate company who have all paid millions for Olympic sponsorship rights have confirmed that they will not be running any explicitly Olympic-themed ads in the next fortnight, although Bank Nomura is still showcasing them. Olympic rings by the stadium in its advertisements. And now there has been a data breach so some Games ticket holders, many of whom are likely no longer able to attend, have their data stolen and have fled online.

If we’re not careful, sport could come a long way behind these stories. So here is the scintillating and absorbent oar. Good luck to everyone.

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Investors are starting to return to the Houston office market Thu, 22 Jul 2021 14:42:10 +0000 After a year of uncertainty, the Houston investment property market appears to be coming to life.

Trading volume this year has exceeded last year’s levels, according to data from Real Capital Analytics, even though 2020 included more than two months of pre-pandemic sales.

“We are getting double-digit offers on most of the office buildings we currently sell,” said Marty Hogan, managing director of commercial real estate company JLL.

Two deals announced yesterday reflect investors’ renewed appetite for office space in Houston from buyers already familiar with the market.

A deal, the sale of Five Post Oak Park to a partnership formed by CP Group of Boca Raton, Fla., And Miami-based Rialto Capital Management, marks CP Group’s return to the Houston market after a long absence. JLL was the broker on behalf of the seller.

Brett Reese, senior vice president of CP Group, said as Houston’s energy companies recover, the company is looking for opportunities to re-enter the market.

“Houston has had its challenges over the past few years, and among some investors it has fallen out of favor,” he said. “This means that better opportunities are available for those who (looking to buy). “

The 28-story office building in Galleria counts the Swiss investment bank UBS among its tenants. Terms of the contract are not disclosed. The Harris County Appraisal District values ​​the property, at 4400 Post Oak Parkway, at $ 98.6 million.

Angelo Bianco, managing partner of the group, said he plans to modernize interior finishes and add amenities, including a restaurant, cafe bar, outdoor patio connected to a nearby park, and concierge services.

Regarding fears about the future of the workplace, Reese said he is confident demand for office space in the Galleria will remain strong.

“We’re still thinking about what Desktop 2.0 might look like,” he said. “But as it stands, it doesn’t feel like there’s going to be a significant change in office space.”

In the other deal, Skanska, the Swedish development and construction giant, said it sold its remaining 10% stake in Bank of America Tower downtown for around $ 24 million to a subsidiary of Beacon Capital Partners. as part of a deal expected to be done in the third quarter.

Beacon purchased a 90% interest in the 2019 780,000 square foot tower.

Tenants include Bank of America, Waste Management, Winston and Strawn, Quantum Energy Partners and Skanska. Construction of the Bank of America Tower was completed in the second quarter of 2019.

The 35-story tower at 800 Capitol was originally called Capitol Tower and was renamed Bank of America Tower after the bank decided to consolidate its three downtown offices to 210,000 square feet in the project.

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MCUE: outstanding loans increased by 0.8% in May | 2021-07-20 Tue, 20 Jul 2021 20:11:00 +0000

Outstanding loans to credit unions rose 0.8% in May, compared to an increase of 0.6% in April 2021 and an increase of 1.1% in May 2020, according to the latest CUNA report. Monthly estimates from credit unions. Credit card loans led loan growth in the month, up 2.0%, followed by used auto loans (1.4%), fixed rate mortgages (0.8% ), new auto loans (0.5%), home equity loans and unsecured personal loans both increasing 0.4%.

Variable rate mortgages (-0.5%) and other mortgages (-0.4%) declined during the month.

Credit union savings balances fell 0.5% in May, compared to an increase of 1.7% in April 2021 and an increase of 2.5% in May 2020. Money market accounts led savings growth over the month, increasing 1.1%, followed by individual retirement accounts. (0.2%) and regular actions (0.01%).

Down during the month, share drafts (-3.0%) and one-year certificates (-1.2%).

Credit union delinquency over 60 days remained at 0.5% in May.

The loan / savings ratio fell from 68.6% in April to 69.5% in May. The liquidity ratio (the ratio of funds in excess of less than one year to borrowings and other liabilities) fell from 23.1% in April to 21.7% in May.

The total number of credit union memberships rose 0.2% in May to 128.7 million.

The movement’s overall capital-to-asset ratio remained at 9.8% in May. Total dollar capital increased 1.1% to $ 199.3 billion

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FBOs Reveal Top Tips for Improving Facilities and Customer Service Tue, 20 Jul 2021 12:07:00 +0000

By Kirstie Pickering

While business aviation has been hit hard by the Covid-19 pandemic, it is rebounding strongly. Some regions are experiencing exponential growth. Jetex, for example, reported that private jet traffic rose 349% in the first five months of 2021 at its VIP terminal at Dubai Al-Maktoum International Airport. Movements reached 5,073 this year against 1,129 during the same period in 2020, and 1,522 in 2019.

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With the influx of customers, a new challenge is to provide additional levels of service that were expected.

Managing and meeting expectations is a key part of customer service, but with a growing customer base within business aviation, FBOs and operators must consider how those expectations may differ from person to person. other.

“The profile and expectations of private jet travelers have evolved over the past few years – even months – with a higher proportion of first-time aviators having traveled in the premium cabins of commercial airlines discovering the world of the private jet” , explains Faisal Nizamuddin, quality manager at Jetex.

“As we continue to serve the needs of the older generation, we are seeing more and more young travelers. They expect many new elements, such as upscale hospitality and improved entertainment and leisure facilities, to be a part of their FBO experience.

“Millennials and even younger Generation Z are contributing an ever-increasing share of the growth in the private jet travel market. Their way of interacting with the Jetex brand is also more sensitive to fashion and lifestyle trends.

Demographic change is also affecting workers in the industry, with the average age of flight crews continuing to decline. What were once considered high-end service offerings are now seen as the bare minimum, forcing FBOs to invest in the most recent launches in digital and basic facilities in order to excel.

“With the generational shift comes a different set of buying expectations and behaviors,” says Michael Lerma, regional vice president of FBO operations at Sheltair. “The changing demographics of customers are certainly influenced by the digital age and they value convenience and efficiency in their service interactions.

“We focus on the customer experience and provide seamless interaction with our customers while looking for ways to streamline processes and improve the operational efficiency of the services we provide. “

Smart investments

Jetex opened its VIP terminal in Marrakech, Morocco in February 2020

With a growing number of business aviation clients, it can be difficult for FBOs to decide where to invest in order to impress. Considering the best return on investment is important and should be approached by looking at the long term and the short term in isolation from each other.

“It is very important to invest in hiring and retaining top people with the right skills and able to fit into Sheltair’s family culture,” said Francisco Alonzo, vice president of real estate at Sheltair. “We need to focus on building brand value and loyalty through a corporate culture that fosters a positive employee experience.

“Investments are also important in training and developing programs to benefit our clients. Maintenance of all equipment and facilities is important to provide a top-notch experience and develop strict safety SOPs [standard operating procedures]. “

“Sheltair adheres to the strictest safety SOPs, which has enabled our network to become ISBAH and NATA Safety 1st certified,” adds David Buritica, Director of Sales and Marketing at Sheltair. “Our training and customer service programs are the result of detailed studies of our customers’ needs, which have rewarded us with the loyalty of our customers for nearly 50 years.

“As we continue to grow, we build our hangars and FBO facilities with the latest standards in technology, aesthetics and amenities. “

Spending significant funds to build the right team is something Steven Lee, vice president of FBO operations at Clay Lacy Aviation also strongly believes.

“With everything automated and at your fingertips, customer expectations have evolved. They want fast communication and the margin for error is much smaller, ”he says.

“The best area to invest in is within your team to create long-term, dedicated and hardworking employees, as well as within the facility itself to provide the best amenities for all crew and passengers. “

“Faith-based organizations need to invest in the right team and ensure that every member has access to the right training and certification to be able to provide exceptional service to clients,” agrees Nizamuddin. “One of the underlying trends accentuated by the pandemic has been the digitization of our operations, which accelerated sharply in 2020. In recent years, we have invested heavily in the digital transformation and innovation of the industry globally.

“Our VIP terminal in Dubai was a perfect example of resilience and reliability during the most difficult times of the pandemic. He never stopped, he continued to serve customers and exceed their expectations.

“In 2020, we opened two new FBO flagship destinations – Jetex Marrakech and Jetex Singapore – as well as expanding our presence at Jetex Abidjan and our facilities in Dubai.”

Common goals

Sheltair's FBO in Orlando, Florida, which opened in May 2019

Sheltair’s FBO in Orlando, Florida, which opened in May 2019

FBOs often strive to differentiate themselves from their competition by offering exciting and unique services and facilities. While this is important, it is crucial to hone the basics of FBO operations first.

“Every FBO should strive to go beyond customer service, focus on exceeding customer expectations and ensuring exemplary levels of safety,” said Todd Anderson, COO at Sheltair.

“It’s crucial to make every aspect of your customer’s journey a memorable experience when they visit an FBO. Pay attention to every detail of their experience, including ambiance, aesthetics, amenities, customer service, technology, cleanliness, maintenance, and safety.

Michael Fritz, head of ground operations at GlobeAir, believes FBOs need to look at how their entire package is designed for the customer, putting themselves in their customers’ shoes.

“An understaffing, high rates, poor staff training, and the lack of a salon would deter me from using an FBO,” he says. “Every FBO should strive to have a crew lounge, ideally separate from the passenger lounge, preferential rates for hotels, transportation and catering, 24/7 availability and a manager. dedicated account. “

There is no denying that having the latest technology, modern facilities and aesthetics appeal to clients, but Melissa Singer, CEO of Moxie Global Consulting, emphasizes how staffing is at the heart of any success.

“Happy employees make happy customers,” says Singer. “Well-trained and resourced employees are ready to succeed. Investing in employee service training and the right equipment for the jobs is the starting point for FBOs who want to excel in service.

“At Moxie, we take a holistic approach to service training in FBOs, which means providing good service is everyone’s job, from online service to accounting staff.

“A perfectly maintained aircraft experience can be canceled if billing is incorrect. Every detail and every step of the customer service cycle is important.

“Employees who are engaged and take pride in their workplace will naturally strive to provide a personalized and memorable customer experience,” Singer adds. “When a business listens to opportunities to surprise and delight its customers with personalized service, it wins customers for life.

“For example, knowledgeable FBO staff keep a range of greeting cards on hand for every opportunity to show a customer they care about both the good times and those that need sympathy and support. sensitivity.”

Different customers

Clay Lacy was awarded the lease to operate an FBO at California's John Wayne Airport last September

Clay Lacy was awarded the lease to operate an FBO at California’s John Wayne Airport last September

The personal touch of business aviation is one reason customers shy away from commercial flights in favor of industry. Remembering a returning guest’s name or favorite drink, taking the time to get to know a guest, and learning about their origin and destination should all be part of the private aviation experience.

It is important that this understanding be extended to the changing expectations of different clients, such as those in the United States, Europe and high net worth individuals. These groups create both new opportunities and new challenges for FBOs, with each client group requiring a different approach.

“European FBOs work a little differently than the United States because they are more commodity-dependent than American FBOs,” Buritica explains. “That said, European customers are always impressed with the levels of service we provide, as our business is very service-centric.

“Operations coming from Germany, Italy, Spain, UK, Switzerland, etc. all have different expectations. We focus on providing a courteous and prompt experience by understanding the cultural and religious differences that enable us to provide exemplary professional service.

Nizamuddin adds, “We promise a lot and deliver even more. We pay great attention to detail and strive for perfection – from products to services, it is in this pursuit of excellence that Jetex differentiates itself. Such an approach allows us to gain the trust of our customers and many years of loyalty.

With the rebound in business aviation, the approach of adopting new technologies and investing in people and facilities could make or break FBOs around the world. It is an exciting time for business aviation, and the growth opportunity is there.

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