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Financial markets are moving away from LIBOR to alternative interest rate benchmarks such as SOFR. Credit-based rates, which are currently gaining in popularity, carry greater risk than SOFR or other “risk-free rates” and should be used with extreme caution. If not, U.S. lawmakers may need to intervene to further encourage the use of safety benchmarking alternatives, writes Randy Priem. Banks determine the interest rates at which they borrow from each other, or Interbank Offered Rates (IBORS). These benchmarks can be tied to the demand and supply of various financial products, such as deposits, Treasury bills, and commercial paper, which is…

CLEVELAND, Ohio – Today is your last chance to vote in your search for the best pet Halloween costume in Greater Cleveland.cleveland.com’s “Best of Cleveland” team wants you to name a winner. Our readers will choose the winner of our “Best Pet Halloween Costume” photo contest from among 14 “finalists.”Rover, a golden retriever wearing his graduation vest, continues to dominate the top spot. But I’m not ready to play “Pomp & Circumstance” yet. It turns out Labradoodle mix Oliver (aka Willie Nelson) is number two for “always curious,” followed closely behind by “pumpkin” guinea pig Ms. Piggy.If you want to…

Wellbeing beauty brand Rituals has announced the Profit Pledge, a new industry initiative that commits 10% of net profits. In addition to its commitment to sustainability, the brand wants to take on greater responsibility by donating between 300 and 400 million euros in the first 10 years alone to causes that contribute to the well-being of people and the planet. There is. Rituals says it is rethinking the way it does business, making an impact beyond the company and taking a pioneering role in the beauty industry. Raymond Kloosterman Raymond Kloosterman, Founder and CEO of Rituals, said: We recognize that…

Deepika Padukone and Ranveer Singh, Bollywood’s darling couple and new parents, are enjoying the joys and sometimes turbulence of parenthood. Their love story started on the sets of Goliyon Ki Raasleela Ram Leela and they got married in 2014. Recently, a baby girl was born on the second day of Ganesh Chaturthi and ever since then, the new parents are enjoying every moment of this phase. Although they have not yet revealed their daughter’s name. Recently, Ranveer gave us a glimpse into their life as new parents. Update on parenting at Singham Again trailer launchAt the trailer launch of his…

By Daniel Smith, Keystone State News ConnectionOctober is Health Literacy Month, and medical professionals are educating Pennsylvanians about heart inflammation. Heart inflammation can lead to serious cardiac events if untreated.The age-adjusted death rate for heart disease in 2021 was 180 deaths per 100,000 Pennsylvania residents.Dr. Philip Nimoyten, Clinical Assistant Professor of Medicine at Sidney Kimmel Medical School and Philadelphia Cardiology Consultant, said recent medical research has discovered new preventative measures and treatments for heart attacks, the leading cause of death in the United States. Added within the past year. , new drugs are now available that directly target inflammation in…

Editor’s note: Although Dr. Lee Pickett has retired, Creators continues to distribute columns from her archives. This is from 2021.Q: My 9-year-old terrier, Pebbles, was diagnosed with diabetes a few months ago. I give her insulin injections and monitor her diabetes with urine dipsticks. Is there a better way to determine how well her diabetes is under control?A: Diabetes most commonly occurs in middle-aged dogs, usually around 7 to 9 years of age. Three-quarters of diabetic dogs are female.Clinical symptoms include increased alcohol consumption and urination, increased appetite with weight loss, and lethargy. Some dogs with diabetes develop cataracts and…

It turns out you can DIY the viral pumpkin arch @dadsocial/TikTok“Hearst Magazines and Yahoo may earn commissions or revenue on some items through these links.” Decorating a porch for Halloween is serious business. Why else would there be so many giant, creepy decorations that are so viral (we’re looking at you, 12-foot skeleton and pumpkin Lewis)? Next to join the club is a tall archway made of jack-o-lanterns, forming a portal to Halloween fun. But before you rush out and buy one, you might be able to make it yourself (and save a little money in the process).In his latest…

CNN — In the two-and-a-half months since Joe Biden ended his re-election bid, Kamala Harris has quickly secured the Democratic presidential nomination, headlined the most heated convention since 2008, and won a new Raised hundreds of millions of dollars in campaign contributions and skyrocketed past. Biden poll numbers from earlier this year. Nevertheless, Democrats are increasingly worried about Harris’ fate. There is a growing sense that her campaign is mired in a quagmire, with familiar debates erupting over where and how to devote precious resources. Harris’ advisers often publicly dismiss polls, acknowledging that the race is close and will remain…

I live for luxury travel and don’t mind spending money on fancy luxuries at the destination. But what I don’t want to do is spend my hard-earned money at the airport on expensive necessities when I could have avoided the expense by being prepared instead. You’ll never catch me spending a ton of money on environmentally questionable single-use plastic bottles filled with literal water. Instead, I pack my own refillable water bottle, first aid supplies, over-the-counter medications, and other important tools for comfort and safety. This way, you can save money for more rewarding travel expenses (like perfectly crafted poolside…

Big tech companies are betting that a new wave of smaller, more accurate AI models will be more effective when it comes to business needs in areas like law, finance and healthcare. Jaap Ariens | NurPhoto (via Getty Images) LONDON — More and more financial services companies are touting the benefits of artificial intelligence when it comes to improving productivity and overall operational efficiency.Edward J. Achtner, head of generative AI at HSBC, a major British bank, says that despite bold statements, many companies are failing to see tangible results.“Frankly, there are a lot of arenas for success out there,” said…