Its second product is called “Computer Backup.” It does what it says on the tin, for one computer or many.įor whom does Backblaze build? While the company claims that its “solutions are designed for individuals and businesses of all sizes and across all industries,” it does note a “particularly strong appeal to midmarket organizations,” or those with under 1,000 employees. The company offers “B2 Cloud Storage,” a tool that includes API access for developers looking to back up information, mesh with third-party content delivery networks (CDNs) and the like. Let’s go! How Backblaze grew to IPO scale without losing all of god’s moneyīackblaze has two main products, both of which sit atop its “storage cloud.” Or, as I like to think of it, a large bucket of online storage capacity. (Nasdaq: BLZE), the leading specialized storage cloud platform, will report financial results for its fourth quarter and fiscal yea. Finally, we’ll pick up a topic we touched on last weekend, namely specialty cloud infra providers and how they may stack up with the public cloud giants. It also provides Backblaze B2 Cloud Storage, which enables customers to store data. Why? Because by offering storage, our presumption is that Backblaze has somewhat lackluster gross margins. And we’ll want to look at its gross margins. Naturally, we’re going to figure out just how the company managed to grow to its current size without losing nine figures worth of venture money. Prior to issuing $10.0 million of convertible notes (which we also refer to as a Simple Agreement for Future Equity agreement (SAFE)) in a private financing round in August 2021, we had raised less than $3.0 million in outside equity since our founding in 2007.ĭid anyone else mostly forget that you can build IPO-ready software companies without utter truckloads of external cash? Here’s a reminder. Our operations have historically been efficient with limited outside investment. The company confirmed that in its filing, stating that: Indeed, per Crunchbase data, it only raised a handful of millions during its private life. That’s because it has a track record of not losing money. So, we’re digging in.īackblaze, based in San Mateo, California, has a very limited venture capital history. It turns out that there are a few twists to the company’s filing that make it really worth our time. Read it every morning on TechCrunch+ or get The Exchange newsletter every Saturday. The Exchange explores startups, markets and money. Backblaze (NASDAQ: BLZE) soared nearly 40 intraday Thursday in its first trading session following an IPO that valued the cloud-storage firm at just under 500M. Frankly, given how limited my knowledge of the storage-focused software company was before reading its IPO filing, I was almost ready to stick it in The Exchange newsletter for the weekend. This time our target is Backblaze, which you may not be familiar with. Sure, Facebook is apparently rebranding as a metaverse company - because that will fix its trust deficit - but this morning we’re jumping right back into the IPO game instead of making rude jokes at the social giant’s expense.
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Court of Appeals for the 6th Circuit concluded that a Michigan police officer violated the Fourth Amendment when he shot and killed a fleeing suspect. The Court's "one-sided approach to qualified immunity," she wrote in a 2018 case, "transforms the doctrine into an absolute shield for law enforcement, gutting the deterrent effect of the Fourth Amendment."Ĭase in point: In 2017, the U.S. What that means in practice, Willett observed in a 2018 opinion, is that "public officials duck consequences for bad behavior-no matter how palpably unreasonable-as long as they were the first to behave badly." Fitzgerald (1982), the Supreme Court held that government officials are entitled to immunity from civil suits so long as the specific conduct they're being sued over "does not violate clearly established statutory or constitutional rights." Supreme Court Justice Sonia Sotomayor have in common? They both despise the modern doctrine of qualified immunity. What do libertarian-leaning federal Judge Don Willett and liberal U.S. So much for that pesky Fourth Amendment and the privacy rights it was designed to protect. The third party doctrine lets them get that information from your internet service provider without obtaining a search warrant first. Let's say the cops want to know what websites you've been reading. Prosecutors and police call it the gift that keeps on giving. Lawyers call this the third-party doctrine. Maryland, "a person has no legitimate expectation of privacy in information he voluntarily turns over to third parties." The Fourth Amendment guarantees "the right of the people to be secure in their persons, houses, papers, and effects, against unreasonable searches and seizures." But according to the Supreme Court's 1979 decision in Smith v. Here are five cases from the past five decades in which a majority of the Court fell down on the job. Supreme Court was to act as "an impenetrable bulwark against every assumption of power in the legislative or executive." Unfortunately, the justices have not always seen their role in the same light. James Madison once said that the job of the U.S. 8/1/2023 0 Comments Classic lotto winning numbersWhen one or more of your regular draw numbers matches an EZmatch number, you win! Prizes are predetermined for every draw, but range from $2 to $500. EZmatchįor $1 more per play, you get the chance to win instant cash prizes with EZmatch. Ticket sales resume at 7:10 PM for in-store purchases and 7:08 PM for online purchases. If you purchase your tickets after this time, you will only be qualified for the next draw. Tickets for the current draw can be purchased in-store or online until 7:08 PM. You can play Lotto 47 in-store or online.Ĭlassic Lotto 47 has drawings twice a week – Wednesdays and Saturdays at 7:29 PM EST. Lotto 47 costs $1 for each set of numbers played. Secondary prizes are also awarded for matching fewer numbers. Jackpots start at $1,000,000 and continue to roll until someone wins. As usual, the Easy Pick option is available. Michigan Lotto 47 rules are simple: Just choose 6 numbers from 1 to 47, and take home the jackpot if you match all with the official draw. You can also visit the official Michigan Lottery Winners Page to see a list of all their recent game winners. When he claimed his prize in March of the same year, he said that he had already quit his job, and that he was planning on buying a new house. The winner chose the lump sum option, and took home an estimated $14.3 million. He won the Februdrawing with the numbers 12, 17, 19, 29, 36, and 39. An anonymous man from Montcalm County is the second biggest Lotto 47 winner ever. They won the record jackpot all the way back in March 1, 2008. The biggest prize ever won from Michigan's Lotto 47 was snatched by an anonymous individual from Macomb County. Two of the biggest winners of Michigan's Classic Lotto 47 are: Michigan Lottery (MI): Results, Winning. 8/1/2023 0 Comments Cow rugEven good quality cowhide will curl if the fibres of the top surface dry and consequently contact, faster than those underneath. Place an old towel or clean porous material, both top and bottom, then pile on some heavy books and leave overnight. Lightly spray the affected area, both top and bottom, with water. Thin cowhide is more likely to curl at the edges than thicker, good quality cowhide, this is sometimes known as ‘cigaring’. You can then turn the rug over and iron the damp cloth on the hair side, take care to protect your floor from damage by the iron and never leave a hot iron in one position. These can be removed by using a damp cloth and a hot iron on the leather side of the rug, ensuring that the iron is in continual movement. If your rug has been folded in transit, it may arrive with wrinkles. Grease stains can be removing by the use of Eucalyptus oil. Apply a little vinegar afterwards and this should prevent the stain from reappearing. Spills are best treated as soon as possible: soak up excess liquid and then use a damp cloth with a little gentle soap or organic shampoo. Alternatively, you may wish to take the rug outdoors and give it a good shaking or traditional rug beating. Light steam cleaning is also a good way to keep your rug looking fresh, although you should never allow the rug to become drenched in water. How do you keep them clean?Ī regular light vacuuming, in the direction of the grain, is a good way to prevent the build up of dirt or grit in your rug. Your Cowhide Rug is likely to last far longer than any other form of rug. Leather is an extremely durable material and Cowhide Rugs are no exception. If your rug is in a position of little traffic, you will probably be quite content to simply readjust its position occasionally. There are a variety of ways in which you can prevent the movement of your rug: a self-adhesive foam rug underlay, a spray on non-slip backing, a rubber underlay or speciality tapes. Cowhide rugs probably work best on a hardwood floor or on non-gloss tiles. If you place your rug on a carpet, you are likely to experience some movement as the fibres of the carpet will ‘walk’ the rug over time, though the denser the pile, the less movement you will experience. Large, thick rugs are far less likely to slide than small, thin rugs. Their curved lines can be used to soften the angularity of a straight sided room and because of their durability they can even be used in areas of heavy traffic, such as hallways. Cowhide Rugs can be used to provide a focal point on a wooden floor or create a cosy warmth in a bedroom. You may buy a rug because you love its appearance, or you may choose a rug specifically to augment an existing colour scheme. Where to put your Cowhide RugĮvery Cowhide Rug has unique patterning and colour. Whether or not animals are treated with cruelty depends on the legislation of individual countries, however, there is nothing inherently cruel about the use of Cowhide which comes from an animal which has been slaughtered for meat production or because its useful life as a dairy producer has reached an end. In excess of 56 billion animals are slaughtered each year the leather industry is a by-product of the meat industry, without which there would be catastrophic environmental pollution. If you regard the killing of any animal as wrong then you will necessarily be opposed to the meat, dairy and leather industries. The second stage is tanning: Vegetable Tanning uses tannic acid from tree bark and takes about six months Chrome Tanning is a much faster process but is damaging to the environment. The first stage of preparation is the curing, which involves salting and washing the hides and takes about two weeks. They are cured to ensure that they do not moult or retain any unpleasant odour. Hides used for leather production would otherwise be a waste product and consequently an environmental problem.Ĭowhides selected for rugs are chosen for their patterning and their intact condition. Cowhide Rugs are made predominantly from cows raised as part of the dairy and meat industry. The world’s top four leather manufacturers are: China, India, Brazil and the USA. Where do Cowhide Rugs come from?Īll major leather producing countries produce Cowhide Rugs. The size of your rug will depend on the size of the animal from which it came, usually somewhere in the region of 20 to 50 square feet, although there are outsize rugs on the market which are created by combining two or more hides. Sing to the LORD, For He has done excellent things This is known in all the earth. Learn more about thankfulness when you become a member of Bible Gateway Plus.ALSO READ The Grace of God, what is it exactly?Īnd in that day you will say: “Praise the LORD, call upon His name Declare His deeds among the peoples, Make mention that His name is exalted. Let me tell his greatness in a prayer of thanks. Let me shout God’s name with a praising song, Oh, sing to him you saints of his give thanks to his holy name. Thanks be to God who leads us, wherever we are, on his own triumphant way and makes our knowledge of him spread throughout the world like a lovely perfume! Psalm 105:1-2 (LEB) Now therefore, our God, we thank thee, and praise thy glorious name. Let the peace of the Messiah also rule in your hearts, to which you were called in one body, and be thankful. Sign up to get the Know the Bible free email lesson series from Bible Gateway. We thank you because you have used your great power We give thanks to you, Lord God All-Powerful. Psalm 95:2 (GNT)Īnd sing joyful songs of praise. Thank God that he gives us the victory through our Lord Jesus Christ. 19 & ends on Thanksgiving Day in the USA. Sign up to get Give Thanks, our Thanksgiving free 7-day email devotional of Bible readings & reflections that will help you refocus on God’s powerful grace. Thanks therefore be unto God for his unspeakable gift. And in all you do, give thanks to God the Father through Jesus. Colossians 3:17 (EXB)Įverything you do or say should be done to obey the Lord Jesus. Do it right now! Psalm 28:7 (ESV)Īnd with my song I give thanks to him. It only takes a minute to create your own Bible Gateway free personal account and you’ll immediately upgrade your Bible Gateway experience. Persevere in prayer, watching in it with thanksgiving. Then he passed the bread to the people, and he did the same with the fish, until everyone had plenty to eat. Jesus took the bread in his hands and gave thanks to God. Then the peace of God that exceeds all understanding will keep your hearts and minds safe in Christ Jesus. Philippians 4:6-7 (CEB)ĭon’t be anxious about anything rather, bring up all of your requests to God in your prayers and petitions, along with giving thanks. Give thanks to Adonai for he is good, for his grace continues forever. O give thanks unto the L ORD for he is good: for his mercy endureth for ever. Psalm 136:26 (AMP)įor His lovingkindness (graciousness, mercy, compassion) endures forever. Ephesians 5:18-20 (ASV)īe filled with the Spirit speaking one to another in psalms and hymns and spiritual songs, singing and making melody with your heart to the Lord giving thanks always for all things in the name of our Lord Jesus Christ to God, even the Father. In every thing give thanks, for this is the will of God in Christ Jesus concerning you. Use Bible Gateway Plus To Share The Scriptural Practice Of Thanksgiving With Your Family 1 Thessalonians 5:18 (KJ21) We are His people and the sheep of His pasture.Īnd His truth endures to all generations. It is He who has made us, and not we ourselves Make a joyful shout to the L ORD, all you lands! Looking for Bible verses about thanksgiving and gratitude? Here are 23 verses that teach us something important about thankfulness. 8/1/2023 0 Comments Verizon signal booster 10x
Upon completion, you’ll receive four certificates! Plus help finding a job. You’ll get more hours of video instruction and additional practice scenarios. This features the General Medical Scribe Course and three specialty courses – Emergency Medicine, Family Medicine and Urgent Care – so you can learn how patients are evaluated and treated from start to finish in different clinical settings. The Medical Scribe Professional Training Program is designed for individuals new to healthcare or those looking to augment their knowledge in the areas of. Masterclass: The Emergency Medicine course is also included in the Outpatient Clinic Masterclass. Three course package: Our Urgent Care course is added to the two course package to prepare you to work in a variety of outpatient clinical settings. Included will be discussion of communicating with providers, documentation requirements, and creating medical records accurately representing clinical encounters. With this bundle, you will receive two complete courses and two certificates for one low enrollment fee! The AAPC CPMS training course provides students with the principles of being a medical scribe. Two course package: The Emergency Medicine course is designed to build off of the General Medical Scribe course, so these two courses are packaged together. medical assistants) who will add scribing to their duties. This course, developed by a team of experts, will cover multiple aspects of medical scribing that the student will master to become an asset to the Orlando, Florida medical community. Employers who wish to streamline their training process. Our Orlando Medical Scribe Professional program is a comprehensive online training course that is designed to train the individual in the field of medical scribing.Individuals interested in becoming an emergency medicine scribe. Company Assisted Scribe Training Programs S10 Academys Medical Scribe Training Program ScribeAmerica Training Program Physicians Angels Healthcare. 8/1/2023 0 Comments Painting filters for photosRelated Image AppsĬlick a photo below to choose a related tool or just browse all image apps. An example result of an oil painting effectĭisclaimer: The sample picture of this beautiful flowers is thanks to: Pixabay. Turn Your Photos Into Paintings With These Filters. You can adjust the fade, layer filters, and even paint them on (or off) a specific area. The image below shows some examples of oil painting effects. Each of our photo filters can be customized to fit your unique vision. The Strength slider controls the power of the smoothing filter. The Paint ModeĬurrently you can choose from two options “Oil” and “Smooth” painting, where the first option is more spotty while the second one produce smoother color blending. The 3M 8210 N95 Particulate Respirator is another certified N95 respirator, which means it captures at least 95 of airborne particulates, including wildfire smoke and home-renovation dust. However, the user can adjust some of the software parameters to get better results. How to Configure The Filterīy default this painting filter produce decent effects. The oil painting effect is automatic, but you can also adjust some filter parameters such as stoke strength and paint smoothness. The picture to painting tool is a client web app that works online in browsers like: Google Chrome, Mozilla Firefox and Microsoft Edge. You don’t need to register or install any additional browser extensions to work with this image tool. On this page, you can apply a painting effect to your photos directly in a web browser for free. All you have to do is click once and allow the smart technology of this tool to transform your image from a simple picture to an art piece in seconds before your eyes. You can read the full list of supported media formats for the web. Let the Picsart watercolor filter do the hard work for you. The application works with various image formats like PNG, JPEG (JPG), WebP, etc. The tool works through a combination of different digital image processing filters. Step 2: Choose a Painting Style Next, choose the painting style that you want. But soft-focus photos can also look good converted into paintings. Photos with more contrasting colors work best. The original photo quality plays a significant role in the result. This online app adds painting effect to photo or illustration. Step 1: Upload a Photo After downloading the app, upload the photo you’d like to convert. 8/1/2023 0 Comments Arch mi mortgage news weeklyThe segment's loss increased for the full year to $88.2 million from $27.3 million for 2021. 30, 2022, and $2.1 million for the period ended Dec. It took losses of $25.5 million for the third quarter ended Sept. However, its Homegenius real-estate services and title insurance business recorded an adjusted pretax operating loss of $31.5 million. It was also 46% lower than the $23.7 billion written during the fourth quarter of 2022. Radian's fourth quarter NIW of $12.9 billion was 27% lower than $17.6 billion produced in the prior three month period. Radian Group earned $162.3 million in the fourth quarter, compared with $198.3 million in the third quarter, and $193.4 million for the same period in 2021.įull year earnings of $742.9 million were an improvement over the $600.7 million net income from 2021. "We think the dividend flexibility enhances risk management, and offers a more seamless avenue to explore share repurchases," Hagen said. In addition, the MI business is expected to start paying $300 million to $400 million worth of dividends to Radian Group, in 2023. It also involved the movement of $276 million of risk in force from Fannie Mae and Freddie Mac credit risk transfers to an unnamed third-party insurer.Īs a result of these moves, Radian Guaranty sent $282 million in capital up to the parent company and repaid a $100 million surplus note five years early. In January, Radian Group announced its MI subsidiary completed a transaction that included the merger of its reinsurance business into Radian Guaranty. NIW ended the period at $13 billion, down from $17.1 billion (24% lower) in the third quarter and $16.4 billion (21% lower) for the fourth quarter of 2021. But net income for the full year was higher, $831.4 million for 2022 versus $681.6 million in 2021. "So when you look at title with annualized revenues in the $20 billion to $25 billion kind of range, it's a big market…we thought this was a good pond to go into."įourth quarter net income was $147.4 million, compared with $178.1 million for the prior quarter and $181 million one year prior. "We love the mortgage insurance business, and we've grown it, and we think we can continue to grow it as housing grows, but the pond is only so deep," said Essent Chairman and CEO Mark Casale, during the earnings call. "Longer term, we believe Genworth wants to do a tax-free spin out of Enact to its shareholders, and we note that in order for a spin of Enact to be tax-free, Genworth cannot reduce its ownership stake in Enact below 80%."Įssent Group, which just prior to the earnings release made waves by agreeing to buy the title underwriting and agency businesses from Finance of America/Incenter, reported higher market share from the comparable periods, although the dollar volume of business slipped. "This level of dividends more than covers Genworth's $60 million of annual interest expense and is allowing the company to opportunistically buy back stock and further reduce debt," George said. Enact paid $206 million in dividends last year to Genworth and George expects a similar amount for 2023 and next year. Meanwhile, Genworth right now is unlikely to conduct a secondary public offering of Enact stock, said George. "We don't think it would necessarily change the approach to capital/risk management, although we see it being generally supportive of valuation, particularly if macro conditions were to weaken," wrote Eric Hagen, an analyst with BTIG. If the government-sponsored enterprises confirm this, Enact would no longer be subject to tougher capital requirements than its competitors. Both companies believe that financial strength conditions established by Fannie Mae and Freddie Mac at the time Enact went public had been met by year-end. In 2021, it ranked third with $97 billion written.įormer parent Genworth Financial still owns 81.4% of Enact's stock. 4 spot among the six companies at $66.5 billion. Without that transaction, NIW would have declined 4% from the third quarter and 32% from the fourth quarter of 2021, Enact said.įor the full year, though, Enact slipped to the No. In the fourth quarter, its NIW of $15 billion was 1% higher than the prior quarter but down by 29% from the $21 billion produced for the same period in 2022.īut the most recent period included a one-time deal where it provided insurance on seasoned loans. Enact reported fourth quarter net income of $144 million, compared with $194 million in the third quarter and $154 million one year prior.įor the full year, it made $704 million, an increase over the $547 million profits reported for 2021. |
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