Lake City Financial – Lake City Journal http://lakecityjournal.com/ Tue, 21 Jun 2022 22:07:26 +0000 en-US hourly 1 https://wordpress.org/?v=5.9.3 http://lakecityjournal.com/wp-content/uploads/2021/06/icon-1.png Lake City Financial – Lake City Journal http://lakecityjournal.com/ 32 32 Overstock Announces Voting Results – GuruFocus.com http://lakecityjournal.com/overstock-announces-voting-results-gurufocus-com/ Tue, 21 Jun 2022 22:07:26 +0000 http://lakecityjournal.com/overstock-announces-voting-results-gurufocus-com/

Shareholders elect Barbara H. Messing, Robert J. Shapiro and Joseph J. Tabacco as additional directors.
Conversion of Series A-1 and Series B Preferred Stock to Common Stock Approved.

SALT LAKE CITY, May 12, 2022 (GLOBE NEWSWIRE) — Overstock.com, Inc. (OSTK, Financial), a leading e-commerce retailer of home furnishings, today announced the results of voting on shareholder proposals to be considered at its annual general meeting on Thursday, May 12, 2022. Shareholders voted to re-elect Barbara H. Messing, Robert J. Shapiro and Joseph J. Tabacco to the Board of Directors and to convert their Series A-1 and Series B preferred stock to common stock. Shareholders also confirmed the appointment of KPMG LLP as the Company’s independent public accounting firm for fiscal year 2022.

“I am pleased that our shareholders voted overwhelmingly to re-elect Barb, Rob and Joe,” said Jonathan Johnson, CEO of Overstock. “These three directors have such vast corporate experience, impressive qualifications and keen judgment. I appreciate how they constantly inspire me and provide valuable insights into our business decisions.”

Shareholders also voted in favor of the Company’s proposed conversion of the Digital Voting Series A-1 Preferred Stock (OSTKO) (the “Series A-1”) and Voting Series B Preferred Stock (OSTBP) (the “Series B”) to shares of the company’s common stock (OSTK, Finance) (the “Transformation”). “Moving from three share classes to one will significantly simplify our capital structure going forward,” Johnson said.

The Company will now begin the process of converting the Series A-1 and Series B shares into common shares in cooperation with its Transfer Agent, relevant broker-dealers and the Depository Trust & Clearing Corporation (DTCC). The conversion will become effective upon the filing with the Delaware Secretary of State of Certificates of Amendment to the Certificates of Designation for the Series A-1 and Series B shares, which the Company expects to close on June 10, 2022. The Series A-1 and Series B shares will cease trading at the close of business on June 10, 2022 and the Company will file any other regulatory filings required to complete the conversion on that date.

The voting results announced today are considered preliminary until the final results are tabulated and confirmed by the Independent Elections Inspector. Final results will be filed with the Securities and Exchange Commission in the form of a current report on Form 8-K and will be available on the Company’s investor website.

About overstock
Overstock.com, Inc. (common stock (OSTK, Financial) / Series A-1 Preferred Stock (tZERO ATS:OSTKO) / Series B Preferred Stock (OTCQX:OSTBP)) is an online retailer and technology company based in Salt Lake City, Utah. Its leading e-commerce site sells a wide range of new home products at low prices, including furniture, décor, carpets, bedding and baths, home improvement and more. The online shopping site offers millions of products that are visited by tens of millions of customers every month. In 2014, Overstock became the first major retailer to accept cryptocurrency as a form of payment and continues to do so. Overstock periodically posts information about the Company and other related matters on the Newsroom and Investor Relations pages of its Overstock.com website.

O, Overstock.com, O.com, and Club O are registered trademarks of Overstock.com, Inc. Other service marks, trademarks, and trade names referenced herein belong to their respective owners.

Cautionary Note Regarding Forward-Looking Statements
This press release contains certain forward-looking statements within the meaning of Section 27A of the Securities Act of 1933 and Section 21E of the Securities Exchange Act of 1934. Such forward-looking statements include all statements other than statements of historical fact, including but not limited to statements regarding conversion. Please see the Company’s Annual Report on Form 10-K for the year ended December 31, 2021 and Form 10-Q for the quarter ended December 31, 2021 for additional information regarding factors that could materially affect the results and accuracy of any forward-looking statements contained herein ended March 31, 2022 and in our subsequent filings with the SEC.

Overstock-com-Inc-.png ]]> Clene receives $3 million loan http://lakecityjournal.com/clene-receives-3-million-loan/ Sat, 18 Jun 2022 12:13:19 +0000 http://lakecityjournal.com/clene-receives-3-million-loan/

$3 million, 60-month loan to support the purchase of capital equipment at a new 75,000 square foot facility in Elkton, Maryland to manufacture Clene’s lead drug candidate, CNM-Au8®, for the treatment of ALS

SALT LAKE CITY, May 19, 2022 (GLOBE NEWSWIRE) — Clene Inc. (CLNN) together with its subsidiaries “Clene” and its wholly owned subsidiary Clene Nanomedicine, Inc., a clinical-stage biopharmaceutical company focused on revolutionizing the… Treatment of Neurodegenerative Diseases, announced today that the Maryland Board of Public Works has closed a $3 million loan facility with Clene Nanomedicine. The loan was provided by the state’s Neighborhood BusinessWorks program within the Maryland Department of Housing and Community Development.

This non-dilutive capital equipment purchase loan will support the expansion of Clene’s Cecil County, Maryland operations into a new commercial manufacturing facility for the production of its lead drug candidate, CNM-Au8®, a gold nanocrystal suspension. The purchased capital goods secure the loan. This extension is consistent with Clene’s anticipation of the potential commercialization of CNM-Au8 as a treatment for amyotrophic lateral sclerosis (ALS). Clene expects top-line data from a pivotal Phase 2/3 study, the HEALEY ALS Platform study, evaluating CNM-Au8 in ALS patients in Q3 2022.

“These funds allow Clene to accelerate the build-out of our infrastructure without the need for dilutive capital as we work toward commercial-scale manufacturing of CNM-Au8,” said Mark Mortenson, Founder and Chief Scientific Officer of Clene Nanomedicine. “We appreciate the continued financial support from the State of Maryland, the City of Elkton and Cecil County. This loan is another great example of public-private partnerships supporting continued investment in activities that create high-quality pharmaceutical manufacturing jobs, specifically the manufacture of nanotherapeutics at Clene, which have the potential to transform the lives of people living with neurodegenerative diseases to enhance.”

When fully developed and operational, Clene’s 75,000 square foot facility is expected to create hundreds of new jobs in Cecil County in a federally qualified opportunity zone in Elkton, Maryland.

About CNM-Au8®, a gold nanocrystal suspension
CNM-Au8 is an oral suspension of gold nanocrystals designed to restore neuron health and function by increasing energy production and utilization. The catalytically active nanocrystals of CNM-Au8 drive critical cellular energy-producing reactions that enable neuroprotection and remyelination by increasing neuronal and glial resilience to disease-related stressors. CNM-Au8® is a federally registered trademark of Clene Nanomedicine, Inc.

About Clene
Clene is a clinical-stage biopharmaceutical company focused on revolutionizing the treatment of neurodegenerative diseases by targeting energetic failure, an underlying cause of many neurological diseases. The company is based in Salt Lake City, Utah with R&D and manufacturing facilities in Maryland. For more information, please visit https://clene.com or follow us on Twitter, LinkedIn and Facebook.

Forward-Looking Statements

This press release contains “forward-looking statements” within the meaning of Section 21E of the Securities Exchange Act of 1934, as amended, and Section 27A of the Securities Act of 1933, as amended, which are governed by the “safe haven” provisions created by those acts became. Clene’s forward-looking statements include, but are not limited to, statements about our or our management team’s expectations, hopes, beliefs, intentions or strategies regarding our future business. In addition, all statements relating to forecasts, projections or other characterizations of future events or circumstances, including any underlying assumptions, are forward-looking statements. These forward-looking statements represent our views as of the date of this press release and involve a number of estimates, risks and uncertainties. We anticipate that subsequent events and developments will change our views. We undertake no obligation to update any forward-looking statements to reflect events or circumstances after the date they are made, whether as a result of new information, future events or otherwise, except as required by applicable securities laws. Accordingly, forward-looking statements should not be relied upon as reflecting our views as of a later date. Our actual results or performance could differ materially from those expressed or implied in these forward-looking statements due to a number of known and unknown risks and uncertainties. Factors that could cause actual results to differ include our significant reliance on the successful commercialization of our drug candidates, should they be approved in the future; our ability to demonstrate the efficacy and safety of our drug candidates; the clinical results for our drug candidates, which may not support further development or marketing approval; actions by regulators; our ability to achieve commercial success for our drug candidates, if approved; our ability to obtain additional funds for operations; the impact of inflation; the impact of staff and material shortages; the possibility that we may be adversely affected by other economic, business and/or competitive factors; and other risks and uncertainties discussed under “Risk Factors” in our most recent annual report on Form 10-K and any subsequent quarterly reports on Form 10-Q. In addition, statements that say “we believe” and similar statements reflect our beliefs and opinions on the subject at hand. These statements are based on information available to us as of the date of this press release and while we believe such information provides a reasonable basis for such statements, such information may be limited or incomplete and our statements should not be read as such , suggesting that we have conducted an extensive investigation or review of all potentially available relevant information. These statements are inherently uncertain and you are cautioned not to place undue reliance on these statements. All information in this press release is as of the date of this press release. The information contained on any website referenced herein is not a part of this press release and should not be considered a part of this press release.

The information contained on any website referenced herein is not a part of this press release and should not be considered a part of this press release.

investor contact
John Woolford
Managing Director Westwicke
[email protected]
+1-443-213-0506

media contact
Erica Fiorini, Ph.D., or David Schull
Russo Partners, LLC
[email protected]
[email protected]
+1-212-845-4253

Clene-Nanomedicine-Inc-.png ]]> Bridge Investment Group (NYSE:BRDG) vs. Lazard (NYSE:LAZ) financial survey http://lakecityjournal.com/bridge-investment-group-nysebrdg-vs-lazard-nyselaz-financial-survey/ Thu, 16 Jun 2022 20:29:27 +0000 http://lakecityjournal.com/bridge-investment-group-nysebrdg-vs-lazard-nyselaz-financial-survey/

Bridge Investment Group (NYSE:BRDG – Get Rating) and Lazard (NYSE:LAZ – Get Rating) are both financial companies, but which is the better stock? We will compare the two companies based on earnings power, dividends, analyst recommendations, valuation, profitability, risk, and institutional ownership.

Score & Rating

This table compares the revenue, earnings per share and valuation of Bridge Investment Group and Lazard.

gross receipts price/sales ratio net income earnings per share price-earnings ratio
Bridge Investment Group $330.01 million 1.29 $23.23 million $4.84 3.02
Lazard $3.27 billion 1.00 $528.06 million $4.93 6.34

Lazard has higher revenues and profits than Bridge Investment Group. Bridge Investment Group is trading at a lower price-to-earnings multiple than Lazard, suggesting it’s the cheaper of the two stocks at the moment.

Analyst Recommendations

This is a summary of the most recent ratings and recommendations for Bridge Investment Group and Lazard as provided by MarketBeat.

sell reviews keep ratings Buy reviews Strong buy recommendations rating score
Bridge Investment Group 0 1 4 0 2.80
Lazard 1 3 2 0 2.17

Bridge Investment Group currently has a consensus price target of $21.20, which suggests a potential upside of 43.05%. Lazard has a consensus target of $45.33 suggesting a potential upside of 44.93%. Given Lazard’s more likely upside, analysts clearly believe Lazard is cheaper than Bridge Investment Group.

profitability

This table compares the net margins, return on equity and return on assets of Bridge Investment Group and Lazard.

net margins return on equity return on investment
Bridge Investment Group 29.40% 5.41% 3.28%
Lazard 16.76% 59.55% 8.69%

Insider and Institutional Property

65.5% of Bridge Investment Group’s shares are owned by institutional investors. 65.9% of Bridge Investment Group’s shares are owned by company insiders. By comparison, 3.9% of Lazard stock is owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers, and hedge funds believe a company will outperform the market over the long term.

dividends

Bridge Investment Group pays an annual dividend of $1.04 per share and has a dividend yield of 7.1%. Lazard pays an annual dividend of $1.88 per share and has a dividend yield of 6.0%. Bridge Investment Group pays out 21.5% of its earnings in the form of a dividend. Lazard pays out 38.1% of its earnings in the form of a dividend. Both companies have healthy payout ratios and should be able to cover their dividend payments with earnings for years to come. Bridge Investment Group is clearly the better dividend stock due to its higher yield and lower payout ratio.

summary

Bridge Investment Group beats Lazard on 8 of the 15 factors compared between the two stocks.

Company profile of the Bridge Investment Group (received rating)

Bridge Investment Group Holdings Inc. is engaged in real estate investment management activities in the United States. It manages capital on behalf of approximately 100 global institutions and 6,500 individual investors in approximately 25 investment vehicles. The company was founded in 2009 and is headquartered in Salt Lake City, Utah.

Lazard Company Profile (received rating)

Lazard logoLazard Ltd, together with its subsidiaries, operates as a financial advisory and asset management company in North America, Europe, Asia, Australia and Central and South America. It operates through two segments, Financial Advisory and Wealth Management. The Financial Advisory segment provides various financial advisory services related to mergers and acquisitions, reorganizations, capital advisory, shareholder advisory, capital raising, government advisory and other strategic advisory matters. This segment serves corporate, partnership, institutional, state, government and individual customers in diverse industry segments including consumer, financial institutions, healthcare and life sciences, industrial, power and energy/infrastructure and real estate, and technology and telecom, and media and entertainment. The Asset Management segment offers a range of investment solutions and investment and wealth management services in equity and fixed income strategies; asset allocation strategies; and alternative investments and private equity funds to corporations, public funds, government agencies, endowments, labor funds, financial intermediaries and individual clients. The company was founded in 1848 and is based in Hamilton, Bermuda.



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Flooding rocks the Yellowstone region, leaving many stranded http://lakecityjournal.com/flooding-rocks-the-yellowstone-region-leaving-many-stranded/ Tue, 14 Jun 2022 22:11:04 +0000 http://lakecityjournal.com/flooding-rocks-the-yellowstone-region-leaving-many-stranded/

content of the article

RED LODGE, Mont. (AP) — Yellowstone National Park’s signature flow reached unprecedented levels, unleashing floodwaters that tore through surrounding areas, washing away homes, washing out bridges and roads, stranding tourists and residents, and prompting frantic helicopter and raft rescues triggered.

Flooding in parts of southern Montana and northern Wyoming from days of rain and a rapidly melting snowpack closed one of the nation’s most famous parks indefinitely, just as a summer tourist season began that drew millions of visitors.

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Instead of marveling at giant elk, grizzlies and bison roaming free, bubbling thermal pools and the regular crackling of Old Faithful Geyser, tourists experienced nature at its most unpredictable as the Yellowstone River flowed in a chocolate brown torrent that was washed away everything in his way.

“It’s just the scariest river ever,” said Kate Gomez of Santa Fe, New Mexico, on Tuesday. “Anything that falls into that river is gone. The waves are huge and it’s just mud and silt.”

Although no one was killed or injured, the water did not begin to recede until Tuesday and the full extent of the destruction was not yet known.

Gomez and her husband were among hundreds of tourists who got stuck in Gardiner, Montana, a town of about 800 people at the park’s north entrance. The city was cut off for more than a day until Tuesday afternoon when crews managed to reopen part of a dual carriageway that had been washed away. Officials warned that driving conditions were still dangerous.

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While the flooding can’t be directly attributed to climate change, it came as the Midwest and East Coast sizzled from a heatwave and other parts of the West burned from an early wildfire season amid an ongoing drought that has increased the frequency and intensity of fires, that have wider implications. Smoke from a fire in the Flagstaff, Arizona mountains could be seen in Colorado.

Rick Thoman, a climate specialist at the University of Alaska Fairbanks, said warming of the environment makes extreme weather events more likely than they would have been “without the warming from human activities.”

“Will Yellowstone be doing this again in five or even 50 years? Maybe not, but somewhere there will be something equivalent or even more extreme,” he said. “This time last year we were talking about the heat dome over the Pacific Northwest. These extreme heat events are becoming more common.”

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content of the article

Heavy rain on melting mountain snow pushed the Yellowstone, Stillwater and Clarks Fork rivers to record levels Monday, according to the National Weather Service.

Officials in Yellowstone and several counties in southern Montana were investigating damage from the storms, which also triggered mudslides and rockfalls. Montana Governor Greg Gianforte declared a statewide disaster.

Some of the worst damage occurred in the northern part of the park and in the Gateway communities of Yellowstone in southern Montana. National Park Service photos of northern Yellowstone showed a mudslide, eroded bridges and roads eroded by turbulent waters from the Gardner and Lamar Rivers.

In Red Lodge, Montana, a town of 2,100 people that is a popular trailhead for a scenic, winding route into Yellowstone, a creek that runs through the town burst its banks and flooded the main thoroughfare, causing trout a day later on the street swam under sunny skies.

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Local residents described a harrowing scene in which the water went from a trickle to a torrent in a matter of hours.

The water toppled telephone poles, knocked down fences and cut deep fissures in the ground through a neighborhood containing hundreds of homes. Power was shut off but restored Tuesday, although there was still no running water in the affected neighborhood.

Heidi Hoffman drove out early Monday to buy a sump pump in Billings, but when she returned her basement was full of water.

“We lost all our belongings in the basement,” Hoffman said as the pump pumped out a steady stream of water into their muddy backyard. “Yearbooks, pictures, clothes, furniture. We will clean up for a long time.”

On Monday, Yellowstone officials evacuated the northern portion of the park, where roads may remain impassable for an extended period, Park Superintendent Cam Sholly said in a statement.

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content of the article

But the flooding also affected the rest of the park, with park officials warning of even higher flooding and potential problems with water supplies and sewage systems in built-up areas.

The rains hit as hotels filled with summer tourists in recent weeks. The park had more than 4 million visitors last year. The tourist tide doesn’t let up until the fall, and June is typically one of Yellowstone’s busiest months.

It was unclear how many visitors to the area were left stranded or forced to leave Yellowstone, or how many people living outside the park were rescued and evacuated.

Rocky Mountain Rotors owner and chief pilot Mark Taylor said his company had flown about 40 paying Gardiner customers over the past two days, including two women who were “very pregnant”.

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Taylor was speaking as he ferryed a family of four from Texas who wanted to do some sightseeing before heading home.

“I imagine they’ll rent a car and check out some other parts of Montana — somewhere that’s drier,” he said.

In a cabin in Gardiner, Parker Manning of Terre Haute, Indiana, got a direct view of the roaring waters of the Yellowstone River right outside his door.

Whole trees, debris, and even a lone kayaker floated by on the choppy current. In the early evening, he shot video as the water nibbled on the opposite bank, where a large brown house perched precariously.

With a loud crash that could be heard over the rushing of the river, the house fell into the water, was pulled into the current, and floated away downstream.

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In south-central Montana, flooding on the Stillwater River has stranded 68 people at a campground. Stillwater County Emergency Services and Stillwater Mine crews rescued people using a raft from Woodbine Campground on Monday. Some roads in the area are closed due to flooding and residents have been evacuated.

The sheriff’s office said it would assess the damage as the water receded.

The towns of Cooke City and Silvergate, to the east of the park, have also been isolated by flooding.

In Livingston, residents of low-lying neighborhoods were told to leave and the town’s hospital was evacuated as a precaution after its driveway flooded.

Park County officials, which include Gardiner and Cooke City, said extensive flooding across the county had made drinking water unsafe in many areas.

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The Montana National Guard said Monday it sent two helicopters to southern Montana to help with the evacuations.

At least four cottages were washed into the Stillwater River in the hamlet of Nye, Shelley Blazina said, including one that belonged to her.

“It was my sanctuary,” she said Tuesday. “I was in shock yesterday. Today I am only in deep sadness.”

Cory Motice, a weather forecaster with the National Weather Service in Billings, Montana, said rain is not in the immediate forecast and cooler temperatures will reduce snowmelt in the coming days.

“This is a flood we’ve never seen in our entire lives,” Motice said.

The Yellowstone River near Corwin Springs reached 13.88 feet (4.2 meters) Monday, higher than the previous record of 11.5 feet (3.5 meters) set in 1918, according to the National Weather Service .

Yellowstone got 2.5 inches (6 centimeters) of rain Saturday, Sunday and through Monday. The Beartooth Mountains northeast of Yellowstone rose up to 10 centimeters, according to the National Weather Service.

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Brown reported from Billings, Montana. Associated Press writers contributed Becky Bohrer in Juneau, Alaska, Lindsay Whitehurst in Salt Lake City, RJ Rico in Atlanta, Brian Melley in Los Angeles, Thomas Peipert in Denver, Mead Gruver in Fort Collins, Colorado, and Lisa Baumann in Bellingham, Washington to this report.

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Activists gather in Tokyo and Sapporo to protest the 2030 Olympics bid http://lakecityjournal.com/activists-gather-in-tokyo-and-sapporo-to-protest-the-2030-olympics-bid/ Sun, 12 Jun 2022 17:35:39 +0000 http://lakecityjournal.com/activists-gather-in-tokyo-and-sapporo-to-protest-the-2030-olympics-bid/

Keep Olympic News Free

Support insidethegames.biz for just £10

For nearly 15 years, insidethegames.biz has been at the forefront of fearlessly reporting on what’s happening in the Olympic Movement. As the first website not behind a paywall, we’ve made news about the International Olympic Committee, the Olympic and Paralympic Games, the Commonwealth Games and other major events more accessible than ever to everyone.

insidethegames.biz has earned a worldwide reputation for the excellence of its reporting and the breadth of its coverage. For many of our readers from more than 200 countries and territories around the world, the website is an important part of their daily lives. The ping of our free daily email alert, sent every morning at 6:30am UK time 365 days a year and arriving in their inbox, is as familiar a part of their day as their first cup of coffee.

Even in the worst of the COVID-19 pandemic, insidethegames.biz has maintained its high standard of reporting all the latest news from around the world on a daily basis. We were the first publication in the world to highlight the threat posed to the Olympic Movement by the coronavirus and have since provided unprecedented coverage of the pandemic.

As the world gradually recovers from the COVID crisis, insidethegames.biz would like to invite you to support us on our journey by funding our independent journalism. Your active support would mean that we can continue to report comprehensively on the Olympic Movement and the events that have shaped it. It would mean that we can keep our website open to everyone. Last year nearly 25 million people read insidethegames.biz, making us by far the largest source of independent news about what’s happening in world sports.

Every contribution, big or small, will help maintain and improve our worldwide coverage in the year to come. Our small and dedicated team was very busy last year covering the rescheduled Tokyo Olympics and Paralympic Games, an unprecedented logistical challenge that stretched our scarce resources to the limit.

The rest of 2022 will be no less busy or less challenging. We’ve had the Olympic and Paralympic Winter Games in Beijing, where we sent a team of four reporters, and we have the Commonwealth Games in Birmingham, the Summer World University and Asian Games in China, the World Games in Alabama and several world championships coming up. In addition, of course, there is the soccer World Cup in Qatar.

Unlike many others, insidethegames.biz is available for everyone to read, regardless of what they can afford. We do this because we believe sport belongs to everyone and everyone should be able to read information regardless of their financial situation. While others try to benefit financially from information, we are committed to sharing it with as many people as possible. As more people keep abreast of global events and understand their implications, sport will be forced towards transparency.

Support insidethegames.biz for just £10 – it only takes a minute. If you can, please support us with a regular amount each month. Many Thanks.

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]]> Producers Prospect announces new retirement commitment http://lakecityjournal.com/producers-prospect-announces-new-retirement-commitment/ Fri, 10 Jun 2022 20:03:32 +0000 http://lakecityjournal.com/producers-prospect-announces-new-retirement-commitment/

SALT LAKE CITY, June 10, 2022 (GLOBE NEWSWIRE) — Producers Prospect, a one-stop marketing solution for finance professionals developed by Marc S. Rogers, has announced its commitment to a useful new mission: educating the public about retirement. This announcement comes at a time when Americans are increasingly concerned about their ability to retire. With inflation rising and prices rising, the widely held vision of a long and comfortable retirement seems increasingly unattainable.

Inflation and rising costs threaten retirement

According to a 2022 AAG poll, over a third of retirement-age Americans believe they don’t have enough money to retire comfortably, while just under a third believe their retirement savings won’t last long enough. The prospect of surviving your retirement funds without being able to replenish them is daunting, but with inflation soaring and the cost of living rising, many Americans are more concerned than excited about their golden years.

The Producers Prospect team believes that even in these unpredictable times, it is possible to ensure your retirement security; It’s simply about planning carefully, staying informed, and taking action to protect yourself from potential threats to your future.

Stay up to date and be prepared for anything

As the Producers Prospect team points out, health, inflation and taxes are three of the top concerns of retirees. Prices are rising across the board, and medical supplies are no exception. Even in a world without inflation, health care is one of the most unpredictable expenses retirees still have to brace for — but now that the price scale is climbing rapidly, it’s almost impossible to know how much you’ll need.

Prolonged periods of high inflation can undo years of careful planning, leaving you looking for security instead of enjoying the future you’ve worked so hard for. Common calculations for how much to account for inflation are changing rapidly, forcing many to adjust their plans. According to Producers Prospect, it’s possible to prepare for these troubling eventualities if you take steps to reduce (or eliminate) as much of your future spending as possible. Paying off big purchases to eliminate monthly payments and using tax-advantaged savings vehicles like IRAs, 401(k)s, and annuities are two ways people can prepare ahead of time to ease their financial burden when they retire they can freely use their savings for more unpredictable expenses.

Producers Prospect helps people protect their retirement

With its recent commitment to addressing this overlooked issue, Producers Prospect is becoming a trusted name in retirement planning. “We know how scary it can be making vague plans about an uncertain future, but we want people to know that just because it’s harder, it’s not impossible,” says founder Marc S. Rogers. “It’s about starting early and preparing for as much as possible. Your future self won’t blame you for trying.” Over the next five years, the team aims to help thousands of people achieve their retirement dreams and find security amid an uncertain future.

About Producers Prospect

Branding expert and business coach Marc Rogers founded Producers Prospect in 2021. In just over a year it has grown into a thriving one-stop solution for finance professionals looking to modernize their practice with forward-thinking marketing strategies, product positioning and advanced resources for the digital age of financial services. Under Rogers’ leadership, Producers Prospect aims to establish itself as one of the premier boutique consulting marketing services companies in the country.

Learn more about Producers Prospect on the official website. Follow the company on Instagram and LinkedIn.

Sources:

https://www.aag.com/retirement-survey-2022/p/1


        
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		IRRR grants OK to area communities
		http://lakecityjournal.com/irrr-grants-ok-to-area-communities/
		
		
		Thu, 09 Jun 2022 00:48:00 +0000
				
		http://lakecityjournal.com/irrr-grants-ok-to-area-communities/

					
										

Marshal Helmberger

REGIONAL — The Iron Range Resources and Rehabilitation Board (IRRR) on Tuesday awarded just over $7.1 million in grants and other funds affecting communities throughout the Taconite tax-break area. Projects funded included $461,900 for outdoor recreation at the Tower, which was the largest single item under the Trails portion of the grants approved this week.
The City of Ely will receive $130,755 to plan and design a new section of ATV trail and $150,000 for road improvements. Other northern St. Louis County communities awarded funding this week included Crane Lake, Breitung Township and the town of Babbitt, while the Ash Lake area will benefit from broadband funds provided by Paul Bunyan Communications for a fiber optic project in this northern community were awarded Orr.
IRRR officials said it uses some of its funds to help communities leverage other sources of state, federal and local dollars. In the end, the community project funding approved Tuesday is expected to mobilize a total of $83 million in total investment.
At the same time, the IRRR Board approved a fiscal 2023 spending plan totaling $52 million, which includes continued financial support for business development, public works infrastructure and broadband. The budget focuses on utilizing capital, improving quality of life, and preserving and creating jobs.
Specifically, the 2023 budget includes $21.3 million for public works infrastructure and business and industry, accounting for 40 percent of the budget. The agency stands ready to fill funding gaps for one-time federal dollars that are currently available.
The budget is also intended to spur economic development with $22.5 million in resources flowing through community and people development programs and supporting the Giants Ridge Recreation area.
The 2023 IRRR budget provides increased funding for several existing grant programs, including the Residential Redevelopment Program, whose funding will increase from $275,000 last year to $750,000 this year. Downtown building rehabilitation and corporate energy retrofit programs will add an additional $250,000 each this year. Meanwhile, both the EDA partnership and the Downtown Streetscapes programs have been zeroed out. The agency is also ceasing funding for its film incentive program, as well as its partnership with the Natural Resources Research Institute.
community projects
Specific local community development projects approved Tuesday include:
• $461,900 to help the City of Tower utilize $600,000 in funds from the Legislative-Citizens Commission on Minnesota Resources (LCCMR) to construct a trail link and trailhead near the city’s harbor just north of the highway . 169 bridge. As part of the project, the city will extend its main street to the East Two River and provide access and parking for the trailhead and planned kayak and canoe launch site. The project includes the construction of a toilet and other facilities near the trailhead and the development of a port site plan to support future construction of connecting trails in the region.
• $130,755 for the City of Ely to plan, design and build a portion of the Bear Run ATV trail that will connect Mud Creek and Wolf Lake roads to the Taconite Trail west of Ely. The trail is expected to provide a boost to resorts in the area as interest in ATV riding continues to grow. The project will be funded with an additional $150,000 from the state’s ATV account.
• $250,000 to Crane Lake Township to rebuild Bayside Drive from Handberg Road to the existing DNR boat access point at Crane Lake. The community will designate Bayside Drive as a community road and the proposed rebuild will meet county and community standards. The improved road standards will improve safety ahead of the proposed $2.7 million construction of a visitor center in Voyageurs National Park next to the boat launch.
• $200,000 to the community of Breitung as part of a $1.01 million project to replace water and sewage infrastructure in several areas including First Ave., Stuntz Bay Rd., Poplar St., Main Street, Church St. and Spring Rd. DNR, CDBG and the community will provide the remaining funds for the project.
• $250,000 to the City of Babbitt for Phase II construction of a new sewage treatment plant. The facility, parts of which are nearly 70 years old, has reached the end of its useful life and is not economically or technically feasible to refurbish. The MPCA indicated that a new low level mercury limit will be added to the operating permit for the next Babbitt facility. Therefore, the existing wastewater treatment plant must be replaced to meet the new permit limits. The project also includes lining or replacing old sewage collection system piping. The IRRR funding is just a small part of the $10.35 million project. The city has also received other state and federal grants, as well as a $3.7 million loan from the state agency for public utilities.
• $150,000 to the City of Ely for utility work and rebuilding of Pattison Street and E 9th and 10th Avenues and a roadway and utility widening for a new lane at Sibley Court Dr. The city is contributing $1.154 million to the project.
• $165,000 to the Lake Vermilion Fire Brigade for the construction of a helipad and new docking system for the brigade’s emergency response. The brigade is contributing $40,000 in donations to the $205,000 project.
• $101,000 to Paul Bunyan Communications to provide broadband to up to 75 currently unserviced homes in the Ash Lake area. St. Louis County is providing $101,250 for the project, while Paul Bunyan is contributing $67,750.
While the projects ultimately received unanimous support from the IRRR Board of Directors, a $1.5 million position for development-related infrastructure for a new 132-room hotel adjacent to the Iron Trail Motors Event Center in Virginia drew questions from Senator Tom Bakk on yourself. “Are we subsidizing the construction of a hotel that will compete with existing ones?” he asked.
IRRR’s Chris Ismil responded, noting that funding will only go to public infrastructure to support the project. “There’s no bricks and mortar involved,” he said. The hotel project is expected to bring Virginia an estimated investment of $30.67 million.

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How small is too small? http://lakecityjournal.com/how-small-is-too-small/ Tue, 07 Jun 2022 12:05:17 +0000 http://lakecityjournal.com/how-small-is-too-small/

When Solstice Harris heard from a friend of a friend about an available 3,000-square-foot studio apartment in the Utah capital, she jumped.

The 24-year-old filmmaker said she’s long wanted to move to downtown Salt Lake City — one of the safer places in the state, she said, for someone who is LGBTQ. And after an extended search for one — well, anywhere — in the city’s tight housing market that was affordable for her budget, Harris said, “I had no choice but to take it.”

She lives alone in a windowless basement studio near South Temple and 800 East, one of three living quarters in an office building. Your unit has an ensuite bathroom, but it’s located across a public hallway, one of several quirks of living in a space slightly larger than a typical one-car garage.

For example, Harris is a skateboarder and when she’s not hitting the city streets, she stashes her longboards on her studio walls for decoration. An avid cyclist, she struggled to buy a second bike because she didn’t have space to park. Starting a new hobby is out of the question for the time being due to the space requirement.

Her small apartment “forces me to rigorously evaluate everything I bring into my home,” the former Utah County resident said. “In the end you live as a minimalist. It can be annoying, but admittedly it creates positive habits that help me avoid clutter.

“I really believe,” she said, “that you grow by the size of the space you live in.”

Harris also misses the sunlight streaming in through her windows, but at $550 a month, she said, the studio fits her finances and lets her pursue the lifestyle she wants. “It was a small miracle,” she added, “and I couldn’t afford more. If I hadn’t come across this apartment, I might still be living on the outskirts or with roommates.”

In many cases, the current housing crisis is leading some who want to live in Salt Lake City, especially young people, to consider lofts, small studios, basements, so-called micro-units and other less conventional living spaces to gain a foothold in the city, without taking in a roommate.

Once a bastion of single-family homes, the city is in the midst of a massive housing boom skewed toward studios and one-bedroom units. It has also been trying for years to get more residents to add annexes to their homes to increase the number of affordable housing options, especially for students.

(Leah Hogsten | The Salt Lake Tribune) Mya, a new 126-unit mixed-income apartment complex at 400 South in Salt Lake City, offers 400-square-foot one-bedroom apartments that are part of a trend to build micro-units in the urban core from Utah.

Now, a series of zoning changes being worked out at City Hall could further shift the city’s housing mix in some areas towards more micro-apartments, studios, duplexes, townhouses, townhouses, backyard homes and other types of units that make up what often is is referred to as “missing middle”.

It’s unclear if the guidelines will directly result in more tiny housing situations popping up across the city, but some residents are concerned.

The new living concept of the city

As prevailing rents and home prices continue to soar amid the housing shortage, Salt Lake City has proposed a number of new incentives for homebuilders to encourage construction of additional affordable housing and a greater variety of housing types in some commercial and mixed-use areas. Zones of use and in residential areas that were long reserved for single-family homes.

The incentives, formerly known as the city’s affordable housing overlay, aim to lower regulatory barriers and attract more infill and redevelopment in existing neighborhoods. Specifically, the zoning changes for rental housing and housing for sale would:

• Allow townhouses, three- and four-unit buildings and clusters of townhouses and cottage developments on lots currently zoned for single or two-family homes only if they are within a quarter mile of public transportation or adjacent to arterial roads .

• Allow prospective developers to add between one and three stories to their apartment complexes in areas where multi-family dwellings or the mix of commercial and residential buildings are already permitted.

• Relaxing some density rules in the city’s multifamily neighborhoods while reducing requirements for side and backyards.

• Waiver some requirements and add eligible housing types in specific commercial, business, and institutional zones, such as: B. The Gateway and the Trolley Square and Brickyard areas.

• Reduce on-street parking requirements to one space per new dwelling in some cases.

The proposed incentives are also designed to be voluntary given the strong provisions of state law against requiring so-called “inclusive zoning”. So rather than mandating a percentage of affordable housing in a given project, this approach would mean that if developers agree to take advantage of the new permitted density, additional building height, relaxed parking rules, or expedited project approval under the changes, a Share of affordable units in what they build.

(Leah Hogsten | The Salt Lake Tribune) Properties in some neighborhoods north of Liberty Park in Salt Lake City and in Central City could build more townhomes, backyard cottages and other smaller housing types in their midst as part of a variety of zoning incentives The city aims to promote affordable housing.

Up to 20% or more of the resulting housing would then be deeded to keep them financially accessible to someone earning about 80% of the city’s median income — though the city is considering easing those income requirements after a round of public contributions reduce.

The changes, which have been in the works for nearly two years, are now being modified, with potential for city council approval in the fall. The ideas have already drawn opposition from some homeowners who are suspicious of the potential impact on their neighborhoods and from those who argue that income standards are too high for prospective renters.

Is smaller better?

(Leah Hogsten | The Salt Lake Tribune) “It’s perfect for me,” said Riley Finnegan, 27, on Wednesday, April 1.

Residential redevelopment helped create Riley Finnegan’s new tiny condominium loft just north of Pioneer Park — with a developer’s 2015 redevelopment of an old industrial building, supported by $4.5 million in city loans .

“I like to tell people I used to live like a farmer,” said Finnegan, a 27-year-old college student, of her years of skimping to afford her 4,000-square-foot apartment in the upscale condominium.

“I also realized that my financial situation would naturally lead to buying a smaller space,” she said, “and I was happy with that.

“It’s the perfect size for me,” Finnegan said, describing the contemporary loft as “small but with a lot of vertical space. I live downtown in an amazing place and close to cool and fun places – and I can still afford it!”

(Leah Hogsten | The Salt Lake Tribune) Riley Finnegan’s cat, Basil, listens for squirrels by the open garage door of her 346-square-foot condo in the Broadway Park Lofts, Wednesday, June 1, 2022. Finnegan built a cat enclosure, or outdoor cat patio, for Basil’s Enjoyment.

Such arrangements aren’t for everyone, and the city’s proposed housing incentives have drawn criticism from some who fear they will fuel the trend towards ever smaller units. They are concerned about the city’s approach to “shared apartments,” in which tenants in smaller neighborhoods share common facilities like bathrooms or kitchens.

The city has been considering a separate housing regulation that would change its definition of shared accommodation ����, formerly known as “single room occupancy” or SRO, housing. If this continues, the change in definition would, in effect, allow housing with a “rooming house” approach in many of the city’s existing zones in one fell swoop.

The initial approval of a condominium project, the Bueno Avenue Apartments at 129 S. 700 East, drew angry opposition from advocates for the city’s renters last December. Although boarding houses were a common form of housing generations ago, activists claim that the creation of such housing today borders on exploitation and reduces the quality of life for residents.

(Francisco Kjolseth | Tribune file photo) The Salt Lake City City Council approved a controversial reallocation that will allow developers to buy several older affordable homes on E. Bueno Ave. 724, pictured Wednesday December 15, 2021, to be demolished and replaced with two buildings. One will be a four-story boarding house that will be apartments with shared kitchens and living spaces.

Her opposition has spilled over into the latest housing incentives, which, although manufactured separately, lead some members of a group called Wasatch Tenants United to fear they could ultimately be “a Trojan horse” to reduce housing unit sizes and housing amenities to reduce.

“We will not go back to living like our ancestors, like rats,” said one group member at a recent public hearing. “We will not live like this.”

Dylan Stoddard, an organizer from Wasatch Tenants United, said members believe the city is shaping its basic definition of affordable housing with the incentives for years to come – and the group wants to make sure that doesn’t end up encouraging more residential communities .

“We’re not Manhattan,” Stoddard said. “There are many places to rent and build, but the problem is affordability. It’s not like they’re being forced to build these small, incredibly dense spaces. It’s a choice.”

Salt Lake City Planning Director Nick Norris said minimum sizes for housing units are determined by building codes and issues such as physical access to the home, not zoning. The latest affordable housing incentives, Norris said, don’t directly address proposed apartment sizes — though in some cases they limit the mix of units under 500 square feet that some housing developments may include.

That’s to maximize choices, Norris said, rather than prohibiting building smaller. Shared apartments, he said, are “no different than someone renting their house and finding a roommate.”

Given the city’s growing residential population and changing demographics, he said, “We’re seeing a lot of these studios and micro-units being built, and there’s clearly some need for units of this size.” Several city council members have noticed the pattern downtown and are trying to shape city policy to attract more multi-bedroom apartments to better accommodate families.

The latest incentives, Norris said, seek to encourage a variety of housing types and sizes in each neighborhood where possible.

“I would imagine that as a city we would have a discussion about housing mix so that a neighborhood isn’t just micro-units,” he said, “and there are other options.”

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Weekly property update from Shreveport http://lakecityjournal.com/weekly-property-update-from-shreveport/ Sun, 05 Jun 2022 22:33:00 +0000 http://lakecityjournal.com/weekly-property-update-from-shreveport/

Rising home prices in the US appear to be out of sync with fundamentals, as was the case during the pre-financial crisis housing bubble of the late 2000s, the Federal Reserve Bank of Dallas warns in a new report released March 29.

There is evidence of what the bank is calling abnormal housing market behavior for the first time since the 2000s. The bank’s analysts cite economic indicators such as price-to-rent ratio and price-to-earnings ratio.

However, they do not expect the consequences of a housing correction to be comparable to the global financial crisis of 2007-2009. Excessive borrowing doesn’t seem to be fueling the housing boom, they say.

Strong home prices continued through March, when they were up 20.6% year-on-year, according to the S&P CoreLogic Case-Shiller Home Price Index. Rate hikes by the US Federal Reserve to curb inflation pushed the average interest rate on a 30-year fixed-rate mortgage to 4.67% at the end of March.

Some observers expect prices to fall after the number of sales has dropped. But real estate agents are warning that demand remains high, with multiple listings for homes. They also expect more homes to come on the market as sellers try to take advantage of the boom.

To help you stay current on the market, ZeroDown has created a weekly housing market report in the Shreveport, LA metropolitan area using data from Redfin. Statistics are for the four weeks ended May 29, 2022. Metros with more than 50 homes sold during this period were included for the Metro-level rankings for each statistic.

Medium selling price

Greater Shreveport, LA:
– Median retail price: $226,812
– One-year change: +11.1%

Metropolises with the highest median selling price
#1. San Francisco, California metropolitan area: $1.6 million
#2. San Jose, California metropolitan area: $1.6 million
#3. Santa Cruz, California metropolitan area: $1.2 million

Metropolises with the lowest median selling price
#1. Davenport, IA metropolitan area: $125,438
#2. Bay City Metropolitan Area, MI: $130,625
#3. Weirton metropolitan area, WV: $132,438

Average selling price per square meter

Greater Shreveport, LA:
– Median retail price per square foot: $126
– One-year change: +15.2%

Metropolises with the highest median selling price per square foot
#1. San Francisco metropolitan area, CA: $1,106
#2. San Jose, California metropolitan area: $967
#3. Kahului, HI metropolitan area: $955

Major cities with the lowest median selling price per square foot
#1. Davenport, IA metropolitan area: $85
#2. Peoria, IL metropolitan area: $87
#3. Carbondale metropolitan area, IL: $89

Relationship between sale and list price

Greater Shreveport, LA:
– Ratio of average selling price to list price: 0.99
– Annual change: +0.01

Metropolitan areas with the highest ratio of sales to list price
#1. Rochester metropolitan area, NY: 1.15
#2. Oakland, California metropolitan area: 1.13
#3. San Francisco metropolitan area, CA: 12/1

Metros with the lowest ratio of sales to list price
#1. Lake Charles, LA metropolitan area: 0.94
#2. Weirton Metropolitan Area, WV: 0.96
#3. Greenville, OH metropolitan area: 0.96

Homes sold with price drops

Greater Shreveport, LA:
– Houses sold at a discount: 16.0%
– One-year change: +14.6%

Metros with the most houses are sold with price cuts
#1. Metro Beaumont, TX: 28.3%
#2. Greater Victoria, TX: 27.1%
#3. Greater The Villages, FL: 26.9%

Metros with the fewest houses are sold with a drop in price
#1. Brownsville, TX metropolitan area: 0.0%
#2. Visalia Metropolitan Area, CA: 0.0%
#3. Redding, California metropolitan area: 0.4%

Off market in two weeks

Greater Shreveport, LA:
– OTC in two weeks: 63.8%
– One-year change: +0.9%

Metros with the most houses not on the market in two weeks
#1. Rochester, NY metro area: 88.1%
#2. Seattle, Washington metro area: 84.9%
#3. Grand Rapids metropolitan area, MI: 84.6%

Metros with the fewest houses not on the market in two weeks
#1. Greater Morristown, TN: 0.0%
#2. Metropolitan Honolulu, HI metro area: 2.8%
#3. Oshkosh, Wisconsin metropolitan area: 4.6%

months supply

Greater Shreveport, LA:
– Delivery months: 6.8 months
– One-year change: -0.9 months

Metros with the most delivery months
#1. Lake Charles, LA metropolitan area: 204.2 months
#2. Brownsville, TX metropolitan area: 47.6 months
#3. Atlantic City, NJ metropolitan area: 19.2 months

Metros with at least months supply
#1. Greater Lewiston, ME: 2.8 months
#2. Portland, ME metropolitan area: 3.1 months
#3. Burlington, NC metropolitan area: 3.2 months


This story originally appeared on ZeroDown and was produced and distributed in association with Stacker Studio.

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Jyväskylä has got a new landmark made from local tree trunks – the http://lakecityjournal.com/jyvaskyla-has-got-a-new-landmark-made-from-local-tree-trunks-the/ Thu, 02 Jun 2022 06:00:00 +0000 http://lakecityjournal.com/jyvaskyla-has-got-a-new-landmark-made-from-local-tree-trunks-the/

Press Release Honkarakenne Ltd. June 1, 2022

Jyväskylä has got a new landmark made from local tree trunks – the sustainably built sauna restaurant, situated by a lake and close to the city center, represents interesting new architecture

“In the future, Jyväskylä will be defined by Sataman Viilu. We wanted the lakeside building to have a unique and impressive shape, and I think the young architects succeeded by creating something new and original,” he says Antti Määttä, Chairman and CEO of Osuuskauppa Keskimaa. The sauna restaurant, built in log construction, will be open to the public on Thursday, June 2nd.

Sataman Viilu was designed by Marko Simsio and John Koskela by KOAN Architecture. All log buildings are designed, supplied and built by Honkarakenne. Commissioned by Osuuskauppa Keskimaa, Sataman Viilu houses a restaurant, three public saunas and adaptable event and conference facilities.

Taking responsibility for the local environment, entrepreneurship and well-being

“Both we and Honkarakenne are excited to be doing something unique and meaningful here,” says Antti Määttä from Osuuskauppa Keskimaa. “Honka is not only one of the most experienced Finnish timber construction companies, but also an operator based in central Finland, which makes it a natural partner for us.”

The trees grew in certified Finnish forests and the logs were transported to Jyväskylä from the Honkarakenne factory in Karstula, less than 100 kilometers from the site. Due to Honka’s involvement, the project was carried out by local operators such as Jyväskylä-based construction company Rakennusliike Alonen Oy as prime contractor. The Viilu has been awarded the Green Key eco-label and the restaurant uses ingredients from local producers.

The budget for the project was over 5.5 million euros. “Viilu is proof that such stylish and diverse buildings can be built on a tight budget,” he says Marco Saarelainen, CEO of Honkarakenne. “This shows the future direction of sustainable construction. A sustainable and healthy log home acts as a carbon store. The material significantly reduces the climate impact during construction and use. I believe that this is also important for the residents and customers of Viilu,” Saarelainen continues.

Honka was also involved in the construction of the Kuopion Saana holiday resort, which opened in 2019, as well as the unique Café Birgitta in Hernesaari, Helsinki.

Viilu can be seen from afar

The varied architecture of the building looks different from different directions. The striking roof forms a peak pointing towards the lake. “Externally, the building is characterized by the dark and sculptural facade that protects the warm-colored interior and the terrace,” describes architect Marko Simsiö. The architects designed Viilu with sheltered areas on the sauna terrace and at the seaside resort. They also paid special attention to ensure that the interior offers the best view of the lake and that the building blends into the surrounding landscape.

“On the lake-side walls and the outer walls at the front, the tree trunks were left in their natural color as a homage to traditional Finnish log construction and sauna culture. In the Sataman Viilu, traditional and environmentally friendly wood meets modern design and functionality. We think the building looks great and more or less corresponds to what we sketched in the original architectural concept,” Simsiö continues.

Simsiö has also designed the modern Japanese-inspired log home Honka Haiku, Honkarakenne’s location at this year’s Housing Fair in Naantali, Finland.

Photos by Sataman Viilu
honka.com/media

Additional information:
chairman Marco Saarelainen, phone +358 40 542 0254, marko.saarelainen@honka.com
Architect, SAFA, KOAN Architecture, Marko Simsio, phone +358 45 694 0102, marko.simsio@koan.fi

Literature recommendations:
Headline and link of Osuuskauppa Keskimaa press release: Opening of sauna restaurant Sataman Viilu at Jyväskylä harbour
Honka Haiku at Naantali Housing Fair 2022: www.honka.fi/haiku

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