BCLS hosting summer gardening workshop - WCBD News 2

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by: Chase Laudenslager
Posted: Jul 8, 2022 / 05:27 PM EDT
Updated: Jul 8, 2022 / 05:27 PM EDT
by: Chase Laudenslager
Posted: Jul 8, 2022 / 05:27 PM EDT
Updated: Jul 8, 2022 / 05:27 PM EDT
BERKELEY COUNTY, S.C. (WCBD) – The Berkeley County Library System (BCLS) will host a workshop to educate residents on summer gardening in the Lowcountry.
The Garden and Grass: Summer Tasks workshop will be hosted by Christopher Burtt, who serves as the Horticulture Agent for Berkeley, Charleston, and Dorchester Counties.
Burtt will discuss how to care for plants in the heat and what gardeners can do to keep landscapes looking vibrant.
The event will be at the Goose Creek Library on July 23 from 11:00 a.m. to 12:00 p.m.
Seating is limited and registration is required. Click here to register.
Copyright 2022 Nexstar Media Inc. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.
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JPMorgan Chase tells employees the bank will pay for travel to states that allow abortion - CNBC

JPMorgan Chase tells employees the bank will pay for travel to states that allow abortion  CNBC
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US Investment Sales Facing Cooldown Amid Fed Rate Hikes - Commercial Observer

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While there is plenty of fuel for future commercial real estate momentum with ample liquidity on the sidelines, investment sales activity appears to be headed for a summer cooldown as market participants grapple with elevated borrowing costs in a rising interest rate environment. Concerns about a looming recession only add to the industry’s uneasiness for the second half of 2022. 
The Federal Reserve set the stage for commercial real estate transactions to largely grind to a halt in the coming months after raising its benchmark interest rate by 75 basis points on June 15 — the central bank’s first three-quarters of a percentage point hike since 1994 — to combat inflationary pressures. Fed Chairman Jerome Powell also laid the groundwork at the June meeting for interest rates to rise up to 3.4 percent by the end of the year from its current range of 1.5 percent to 1.75 percent, a stark contrast from previous economic estimates in March that the federal funds rate would hit 2.5 percent by the end of 2022. 
“When the cost of capital changes so drastically, it usually causes a little bit of pause and indecision,” said Michael Gigliotti, co-head of brokerage firm JLL’s New York City office. “It’s very, very strange times we’re in now. Rates have been going up, and some people are starting to think that rents might be going flat or down, and are considering that as an underwriting consideration.”
Another factor causing a near-term slowdown in deal activity is widening credit spreads, which in the past have tightened when interest rates rise. Gigliotti noted that the dynamic has been different this time around largely due to global unrest stemming from tensions over Russia’s invasion of Ukraine coupled with fears of a possible recession. 
Chris J. Coiley, Valley Bank’s head of commercial real estate for the New York and New Jersey markets, said his team is putting his loans through stressed underwriting scenarios aimed at identifying whether borrowers will succeed during difficult economic times, in terms of project-specific items like reserves and material costs. He said borrowers will have to adjust to the new interest rate reality by contributing more equity or utilize interest rate swaps. 
“When you have a rise in interest rates you are going to have a slowdown in the sales market,” Coiley said. “There is going to be more due diligence for investors.”
Despite more challenging lending conditions, Coiley expects his firm to exceed last year’s volume of $2.8 billion after executing $1.8 billion in the first half of 2022, which he puts down to a continued strong appetite for multifamily deals and higher mortgage rates driving more renters to continue leasing apartments rather than buying homes. He stressed that while the higher interest rates create more challenges for sponsors, borrowing costs are still “fairly low” compared to where they were 10 to 15 years ago and will not price them out of doing business. 
Will Nelson, director of real estate lending at Columbia Pacific Advisors, said that while CRE has seen “fundamentally sound underwriting” in recent years, the long period of low interest rates meant many borrowers got used to cheap capital with very little equity placements or alternative investments needed for their projects. Columbia is better positioned in a volatile market than other lenders, Nelson said, since it solely provides equity with no debt. That said, Nelson stressed he will also be more selective in the next few months and focus largely on industrial and multifamily deals.
Sponsorship remains key, and high-quality sponsors will continue to close transactions without too much strife, Nelson said. 
“For quality sponsors and really good transactions there’s still capital,” Nelson said. “Some of the deals perhaps you shouldn’t have been able to get done you’ve been able to get done in the last 10 to 12 years, and I think those projects are going to be impacted, but you still have the option to execute. You just might not like the terms as much.” 
The current market conditions make it even more imperative that real estate investment firms diversify the sources and locations of their transactions, according to Bentley Zhao, CEO of New Empire Corp. Zhao noted that New Empire’s current portfolio of properties in New York City consists of between 30 to 40 percent all-cash buyers, which has incentivized it to build more luxury properties “in areas primed for growth to attract investors that are likely to provide the capital necessary in cash,” he said.
New Empire, which has renovated and built over 100 multifamily projects throughout New York City, recently acquired three Queens properties, including a 19,000-square-foot development site at 58-01 Queens Boulevard in Woodside for $16.2 million in late June. Zhao, who has worked with a long-standing equity partner on many deals, stressed that building this type of relationship will play an important role amid the current market conditions as will the revitalized EB-5 investment program, which allows investors to obtain green cards in exchange for financing real estate projects.
“Depending on the size of the project, the capital necessary may be reliant on long-term relationships and more individualized investors,” Zhao said. “We expect to see EB-5 as an alternative source of capital as existing regional centers can now operate and accept new EB-5 investors.” 
Zhao added that the EB-5 program will play a large role in helping bring foreign investment back to pre-pandemic levels with investment sales in the New York area, which could help offset some of the current economic barriers facing market participants. The program returned in May following nine months of limbo after both its congressional authorization expired and a federal court invalidated its latest rules. Changes to the program include mechanisms designed to better deter fraudulent schemes and improve national security protections on inbound capital. 
Despite some of the market headwinds facing CRE at the moment, observers also feel plenty of tailwinds given all the dry powder on the sidelines that could offset some of the inflationary fears. Gigliotti noted that there is $248 billion of capital in closed-end funds that will need to be deployed in the next year. There is also the strong possibility of the world’s top three sovereign wealth funds in Japan and Norway, which currently allocate only 1.6 percent of their holdings on average toward real estate, increasing their investment in the sector, according to Gigliotti. Individual high net worth investors are also very underweighted toward CRE, he added.
“It’s liquidity that drives transactions, not the cost of capital, and we have more liquidity than ever before,” Gigliotti said. “Unlike in 2010 when liquidity dried up, these groups had an option of not investing in real estate because it wasn’t a recognized asset class. That is no longer the case.” 
Read the latest edition of the Commercial Observer online!

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CEO Rahim Motors Interacts With Entrepreneurs, Students At I... - MENAFN.COM

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Awantipora- Centre for Innovation and Entrepreneurship Development, IUST Tuesday organized an interactive session with Abdul Hamid Rahim CEO Rahim Motors/Rahim Greens for aspiring entrepreneurs and innovators.
The session aimed to expose the youth to established entrepreneurs from the valley and sensitize them towards social responsibilities.
With remarkable achievements in the field of business and CSR, Rahim has been invited as an expert speaker to many reputed international institutions that include Harvard Business School Boston (USA), Cambridge University, National University Singapore, IAVE South Korea, Al-Boohari International University Malaysia. He has also earned a fellowship with United World College (USA).“A true businessman is a gardener who while decorating his enterprise has to be also responsible towards society in general and his employees in particular”, said Rahim. He advised the participants to study the world history and contributions of world heroes and seek inspiration from them. Talking about the challenges experienced by entrepreneurs, he said“an individual gets what he aspires for. The youth should focus on skill enhancement, and not only on degrees”.
Appreciating the efforts of the guest speaker, Prof. Shabir Ahmed (Dean Outreach, IUST) said“Great institutions are created by great minds. The world-class universities have been created by dedicated and responsible individuals and not with huge funds”. He further said that interactive sessions with entrepreneurs who have achieved success through hard work and dedication play a great role in educating the youth more than the books that provide knowledge only to the ones who open them.
“The youth of the valley are talented and our efforts are to expose them to new concepts and chisel their skills so that they will grow as efficient entrepreneurs of tomorrow”, said Dr. Parvaiz A Mir (Director, CIED).
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Dell's Summer Sale includes powerful gaming laptops for under $1000 - Windows Central

Dell's Summer Sale includes powerful gaming laptops for under $1000  Windows Central
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David Dwayne Anderson Convicted of Killing Sylvia Quayle Due to a Vanilla Coke | Westword - Westword

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5 Low-Cal Makhana Snacks That You'd Love To Add To Your Weight Loss Diet - NDTV Food

If you've ever come across a weight-loss commercial, you have been told time and again how easy it is to shed kilos: just take this pill or buy this piece of equipment, and the calories will melt away like magic. But the truth is something else. If you struggle with weight loss, you know that there are no shortcuts in this journey. But there are some dietary practices that can help you get results faster, like drinking lukewarm water in the morning as well as before meals, or snacking healthy, etc. Healthy snacking helps keep you full and energised, and contributes to your daily nutrient intake if eaten in the correct way. Considering this, here we bring you a list of 5 low-cal makhana snacks that can be perfect to satiate your in-between-the-meals hunger pangs and are also guilt-free. Let's get started.


Also read: Weight Loss: 7 Low-Cal Indian Snacks To Pair With Evening Cuppa

Here's A List Of 5 Low-Cal Makhana Snacks You Must Try:

Roasted Chilli Makhana: Our Recommendation

Let's kick-start the list with our favourite recipe. Here we bring to you an easy and super delicious roasted chilli makhana recipe that includes fox nuts coated with a flavourful spice-mix including chilli flakes, olive oil, jeera and salt. Of course, you can customise the seasonings according to your preference. Here's the recipe of roasted chilli makhana for you.

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Air Fryer Makhana Munchies

Here we bring you another super easy makhana recipe. An easy way to roast makhanas and turn them into flavourful munchies is by cooking them in an air fryer. Makhanas can be roasted in an air fryer almost instantly and give out a perfect crunch. Take a look.

Masala Makhana

In this fiery recipe, the makhanas are dry-roasted in ghee, which contains healthy fats. A unique addition to this makhana recipe is that of honey, which not only binds the snack together but also adds a sweet flavour to it. Click here for the recipe of masala makhana.

Crunchy Makhana Chivda

Next up we have an amazing makhana recipe that would keep you satiated for long. Makhana chivda is a wholesome, healthy and indulgent snack that you can prepare in just a few minutes and pack in office tiffin for those mid-day hunger pangs. Find the complete recipe of makhana chivda, here.

Makhana Chaat

Healthy and nutritious makhanas, along with the sweet, spicy and tangy flavours of a chaat, make for an ideal guilt-free snacking option. If you're looking for something quick, healthy yet delicious, this recipe will perfectly fit the bill for you. Click here for the recipe of makhana chaat.


Try these recipes and let us know how they turned out in the comment section below. If you have more unique ways of using makhana, let us know! Happy Snacking!

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