Money – Creative Room 4 Talk Sat, 18 Sep 2021 09:59:12 +0000 en-US hourly 1 Money – Creative Room 4 Talk 32 32 Saginaw Township is considering ways to allow a lawn care service for those who cannot mow their own lawns Wed, 07 Apr 2021 23:17:09 +0000

TOWNSHIP OF SAGINAW, MI – The Township of Saginaw Board of Directors is considering ways to allow lawn care companies to cut grass for residents who cannot do the job themselves.

On Monday, April 13, the Saginaw Township Board of Directors approved a motion to consider a plan for residents to hire lawn care companies to maintain their lawns.

“We have residents calling and saying for some reason, ‘I can’t mow my own lawn. I’ve hired a landscaping company to just mow my lawn for the past decade. So it’s just situations like this where we don’t want a resident to come out with this stuff, ”said Brian Rombalski, Acting Warden of Saginaw Township.

To help make a decision on the plan, the township asked its lawyer to review Gov. Gretchen Whitmer’s order that bans local lawn services from operating in order to slow the spread of the COVID pandemic. 19.

“Our lawyer feels we could get a little more advice and clarification from the state,” Rombalski said.

Thomas Roy, a resident of Saginaw Township and owner of Ultimate Landscaping, supports the township’s plan to explore options for citizens to hire lawn care companies to maintain their yards. He submitted a letter to the board of directors to plead his case.

“I’ve had calls from elderly customers and others who don’t own a lawn mower, asking what to do,” Roy said. “I have also answered calls from many business owners like Sears, Walgreens, as well as CubeSmart and Valvoline.”

Unmaintained lawns can harbor rodents and ticks, Roy added.

He also pointed out that other communities such as Roseville allowed its residents to hire lawn care services to perform the task until the governor issued an updated ordinance which judged maintenance service workers non-essential lawns.

Roy said his company would follow guidelines from the U.S. Centers for Disease Control and Prevention.

“The other townships will see that the township of Saginaw takes the lead and follows,” Roy said.

Rombalski said there is a good chance the township will not adopt any new policies because they do not want to violate the governor’s order. He expects the municipality to make a decision early next week.

Related news:

Saginaw-area homeowner and lawn care worker hope coronavirus business closure is over

Bay City and Town of Saginaw to Begin Garden Waste Pickup on April 13

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Jeff Bezos and Lauren Sanchez fly to Cabo after Amazon announcement Wed, 07 Apr 2021 23:17:07 +0000

Jeff Bezos takes a vacation.

Shortly after the second richest man in the world announced he would be leave the position of CEO of Amazon later this year he and his girlfriend Lauren Sanchez were photographed aboard a luxury boat in Cabo San Lucas, Mexico.


Bezos – wearing a blue swimsuit, short-sleeved shirt and straw hat – and Sanchez, wearing a red bikini and white blanket, were pictured on the chic ride and strolled along the water’s edge in the sun.

On February 2, it was announced that Andy Jassy, boss of Amazon’s cloud computing unit, will assume his role as CEO in the third quarter of 2021. Bezos, who founded the company 27 years ago, will act as executive chairman of the board of directors of Amazon.

Page Six exclusively revealed in January 2019 that Bezos, 57, and Sanchez, 51, were dating – just as Bezos announced that he and his wife, MacKenzie Bezos, were in the process of divorce. Sanchez was also in the midst of his own divorce at the time, with Hollywood talent mogul Patrick Whitesell.

Jeff Bezos takes a vacation with his girlfriend Lauren Sanchez. (Getty Images)


The globe-trotting couple have been spotted vacationing in glamorous locations around the world, from St-Tropez To the Balearic Islands.

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Bailiffgate Museum resumes loan box education awareness program for 2021 Wed, 07 Apr 2021 23:17:05 +0000

Designed to enrich the children’s program and help older people recall memories, the program will run until December 2021 and will be available free to select organizations through a grant from the Children’s Trust and St Hilda’s Trust.

This support has also enabled the museum to add more boxes to its collection, all of which can be explored and reserved through its recently upgraded website. Resources span from early civilization to the 1960s, with themed boxes focusing on topics such as agriculture, fishing, railroads, laundry day, and the ‘box that shouldn’t be. named ”.

Each package contains a mix of original artefacts and replicas as well as clothing reminiscent of the chosen era, books, CDs, DVDs, photographs and drawings.

A ‘Covid Secure Quarantine System’ is in place to ensure every delivery is safe, with schools, childminders, regularly home-schooled students and youth groups currently able to receive one for free. Loan boxes rented by other groups will cost £ 15 for a fortnight.

Hilary Waugh, a volunteer with the museum’s educational team, says the loan boxes are a “great resource” that provide a “great way to bring history to life in an exciting way, allowing children to learn. and use their imaginations in their own classrooms ”.

You will find more information about the program here.

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Liberty Bank CEO Says JPMorgan Investment Will Result in $ 150 Million in Additional Community Loans | Economic news Wed, 07 Apr 2021 23:17:02 +0000

Liberty Bank CEO Alden McDonald said an investment from JPMorgan Chase announced on Tuesday would mean its 49-year-old community bank will be able to provide at least $ 150 million more in loans to customers traditionally underserved by his bank.

The $ 16 million investment by JPMorgan Chase, the nation’s largest banking group, is significant for a New Orleans-based bank the size of Liberty, with current assets totaling around $ 700 million.

“The importance of the investment is that it will allow us to increase our lending capacity and expand and reach $ 1 billion in assets sooner than we might otherwise,” said McDonald. “This will help us move the economic needle for homeowners and small businesses in the communities we serve.

Tulane report reveals deep racial disparities for New Orleans startups

In addition to New Orleans, Liberty operates branches in Baton Rouge; Detroit; Forest Park, Illinois; Jackson, Mississippi; Kansas City, Kansas; Kansas City, Missouri; Louisville, Kentucky; and Montgomery and Tuskegee, Alabama, according to its website.

The investment is made in the form of “equity-like” instruments, including perpetual preferred stock – a kind of loan with an indefinite term. It’s part of a $ 30 billion initiative launched last October by JP Morgan CEO Jamie Dimon to “advance racial equity.”

Liberty Bank is one of the top four “Diverse-Led Minority Depository and Community Development Financial Institutions” chosen by JP Morgan for equity investment. The others are the M&F Bank of North Carolina, the Carver Federal Savings Bank of New York, and the Broadway Federal Bank of Los Angeles.

Equity-type investing counts as so-called Tier 1 capital, which allows banks to leverage it to borrow more cheaply and lend much more to their customers.

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JP Morgan’s move last October came after a summer of protests against the deaths of George Floyd and other unarmed black men and women by police. The protests have highlighted long-simmering issues of racial inequality in all areas, including financial services where studies have supported the fact that mainstream banks have systematically discriminated against black customers and other minorities.

Launching the program, Dimon said that “systemic racism is a tragic part of America’s history,” adding that “it is high time for society to address racial inequalities in a more tangible way. and significant ”.

Even black-owned $ 10 million businesses run into roadblocks; a new program aims to help

In addition to direct investment in Liberty Bank, the JP Morgan program also routes funds to banks through new market tax credits, as well as an investment sharing program that gives companies like Google the opportunity to contribute.

McDonald said he was doing business with JP Morgan long before last year’s resurgence of Black Lives Matter protests and viewed the latest investment as just a bargain.

“We partnered with JP Morgan before the Black Lives Matter sensitivities emerged and they were leading initiatives in the community long before it became popular,” said McDonald.

“We’ve been a profitable institution for a very long time, so (investing) makes good economic sense,” McDonald said.

In New Orleans, the city’s economic development agency, the New Orleans Business Alliance pointed out that 40% of small businesses in the city are black-owned but only 2% of total sales revenue. They identified lack of access to capital as one of the main reasons holding back black-owned businesses.

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FinMin claims major gains for “Stand Up India”, but where are the SMEs led by women? Wed, 07 Apr 2021 23:16:59 +0000

Banks sanctioned INR 25,586 Cr to approximately 1,14,322 beneficiaries under the Stand Up India program

The initiative helps women and socially backward groups like SC and ST categories to start entirely new businesses

It also offers loans to non-individual companies, of which 51% of the control must be held by SC / ST and / or a woman entrepreneur.

Even though questions are being raised about the effectiveness of the disbursement of funds under the Startup India program and the success of the Digital India mission, the Ministry of Finance said on Sunday April 4 that the banks had sanctioned 25,586 INR for about 1 14,322 beneficiaries. as part of the Stand Up India program.

The program, which was introduced on April 5, 2016 and ended over five years, aims to promote entrepreneurship and job creation among women and other marginalized segments – scheduled castes (SC ) and the listed tribes (ST). Under this program, bank loans worth INR 10 Lakh to INR 1 Cr are offered to at least one SC / ST borrower and at least one female borrower per bank branch of planned commercial banks.

The initiative was launched to help women and socially disadvantaged groups start new micro, small and medium enterprises in the trade, manufacturing and service sectors. He claims to have aid 93,094 women entrepreneurs to date, with outstanding loans worth INR 21,200 Cr as of March 23 of this year. About 16,258 SC category entrepreneurs received loans worth INR 3,335.87 Cr and 4,970 ST category entrepreneurs received loans worth INR 1,049 Cr, according to shared data by the Ministry of Finance.

The program, which has been extended until 2025, covers local entrepreneurs over the age of 18 from the aforementioned groups. Stand Up India also offers loans to non-individual companies, where 51% of the shareholding and majority stake is held by this category of entrepreneurs. In addition, borrowers should not be in default with a bank or financial institution.

Women run less than 13% of small businesses

According to a report by the gender research and advocacy organization, Initiative for What Works to Advance Women and Girls in the Economy (IWWAGE), reportIndia was 70th out of a ranking of 77 countries in the Female Entrepreneurship Index, as only seven of India’s 100 entrepreneurs are women. In addition, nearly half of these women go into business out of necessity rather than aspiration.

Meanwhile, the International Finance Corporation (IFC) report on “Financial inclusion of micro, small and medium enterprises (MSMEs) owned by women in India” adds that only 33% of start-ups in India are women, noting that India ranks third among countries reporting a gender gap in business.

According to an IndiaSpend report According to a survey, women entrepreneurs in India find it more difficult to access institutional finance and have little clarity on special programs and initiatives introduced by the government to encourage women entrepreneurs.

The report notes that there are three government loan programs available to small businesses under the Government’s Micro-Unit Development and Refinancing Agency (Mudra) – Shishu, Kishor and Tarun. These offer loans ranging from INR 50K to INR 10 Lakh. The report notes that women are the main beneficiaries (70%) of the Mudra program because it does not require any guarantees.

Has the Modi government done enough to stimulate entrepreneurship?

Besides Stand Up India, the Indian government has also launched several other initiatives to boost entrepreneurship and job creation. The two major initiatives of these departments are the Startup India and Digital India initiatives, which are widely regarded as progressive policies. However, these missions were not able to have the same impact that the government had initially expected, especially due to implementation problems.

According to a Inc42 More special report, the Indian government announced a fund of funds (FoF) with a corpus of INR Cr 10,000 to be disbursed by March 31, 2025, as part of the Start Up India initiative. However, the government has committed to invest 3,798 Cr INR and has only disbursed 10% or 1,050 Cr INR of the FoF, as of March 31, 2020.

Likewise, the Digital India initiative lacked a commitment to protecting individuals’ personal data, our report notes. Initially, the Digital India campaign did not mention anything regarding digital privacy and it was only after the Supreme Court declared privacy to be “our fundamental right granted under Article 21 of the Constitution”, the government has formed a committee under the leadership of Judge BN Srikrishna to draft a bill aimed at securing his digital privacy.

Read more about the failed Indian government policy in the Inc42 Plus report: 6.5 years later, Modi Govt’s promises couldn’t keep startups haunted, industry growth

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Biden’s infrastructure plan – $ 12 billion allocated to community colleges Wed, 07 Apr 2021 23:16:58 +0000

On Wednesday, March 31, 2020, US President Joe Biden unveiled his $ 2 trillion infrastructure plan, which includes, among other things, critical investments in community colleges.

The plan means $ 12 billion will go to investment in community college infrastructure and $ 50 million to the National Science Foundation, reports

The proposal also includes more funding for historically black colleges and universities (HBCUs), as well as other institutions serving minorities, as half of the $ 40 billion spent on modernizing research infrastructure and laboratories will go to them. allocated.

Among others, the plan includes:

  • 10 billion dollars of investment in research and development.
  • $ 15 billion to establish 200 research incubators at these establishments, hoping that the investments could eliminate racial and gender inequalities in R&D and STEM.

According to the fact sheet, the onus is on the states to use the money to meet the physical and technological infrastructure needs of community colleges in those particular states.

“Investing in community college facilities and technology helps protect the health and safety of students and faculty, tackle educational deserts (especially for rural communities), develop local economies, improve energy efficiency and resilience, and reduce short-term funding inequalities. “ the plan indicates.

Community colleges are the primary source of vocational training programs that are considered necessary in training Americans for recovery.

“It’s a pretty impressive commitment to higher education, but I think it also demonstrates how inextricably linked colleges and universities to the health of our economy,” American Council of Education director of government relations Jon Fansmith said.

Additionally, the plan also emphasizes that the money would help address the short-term funding injustice.

Joe Biden has been reported to have asked Congress to provide $ 25 billion for improved child care facilities as well as increased supplies for areas in need.

Biden also needed $ 100 billion to modernize and build new public schools, half of which will come from grants, while the other half will come from cash.

In recent days, the US Department of Education has announced that there will be debt relief for student borrowers who have been released due to disability. Whereas two days ago the ministry also announced the zero percent interest rate increase on federal student loans and collections of over one million borrowers with loans defaults under the Federal Family Education Loans Program (FFEL).

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GL events seeks loans as first-half revenue drops 55% and reports net loss of 30 million euros Wed, 07 Apr 2021 23:16:56 +0000

The integrated global events group GL events achieved consolidated sales of € 266.8 million in the first half, down 55.2% compared to 2019 sales of € 595.9 million.

Group sales for the second quarter of 2020 amounted to only € 53.6 million, down 79% compared to 2019.

Olivier Ginon (photo), president of the GL events group said: “Sales were strongly impacted in the first half of the year by the health crisis in France and internationally. In this context, the teams have succeeded in adapting the services to the situation of our customers. Activity has resumed very gradually in most of the countries where we operate, in strict compliance with rigorous public health directives. Despite this, the visibility of our industry remains low. “The operational teams have started development and protection work on the site intended to accommodate the Grand Palais Ephémère on the Champ-de-Mars in Paris and provide services in various countries. “The Group has renegotiated all of its contracts in France and internationally with all local authorities. We are currently in discussions with our banking partners to obtain additional resources in the form of government guaranteed loans and exemptions for 2020. ”

In the three divisions of the Group which publish half-yearly figures, the drop in turnover has also been dramatic.

The GL EVENTS LIVE division achieved sales of € 157.4 million in the first half of 2020, down 42.9% compared to the same period in 2019. In the second quarter, the Group notably delivered installations for the Tokyo Olympics, finally rescheduled, and now scheduled for July 23 to August 8, 2021. This division invoiced expenses for costs incurred for canceled events and benefited from the strength of its industrial activities such as Spaciotempo in France, or Aganto in the United Kingdom (€ 30m vs. 35m a year earlier).

GL EVENTS EXHIBITIONS achieved a turnover of 45 M €, down 69.4%. with activity in the first half of the year impacted by the postponement of several exhibitions in Asia, Europe and Latin America. In this context. The Group adapts its formats to maintain the link between exhibitors and visitors. For example, Global Industrie Connect was launched at the end of June as a digital alternative. The four-day digital event featured 300 speakers and 46 webinars and was attended by over 6,100 professionals.

In the second half of 2020, GL events Exhibitions said it expects a gradual recovery in activity, with varying deadlines depending on the region. In China, all exhibitions planned for the second half of the year are expected to take place, with the exception of those in Beijing. The CACLP is scheduled to be held in Nanchang in August and Fashion Source Shenzhen in November 2020.

The Beijing edition of China Wallpaper Homedecor has been merged with the Shanghai edition of September 2020. Three other exhibitions (BUILD + DECOR, CIDE and ISH China & CIHE Beijing) have been rescheduled for early 2021.

In France, many events are scheduled after the summer: the CFIA show in Rennes, Equita Lyon, the Foire Internationale de Lyon, Expobiogaz, Première Vision Paris, Made in France Première Vision and Omnivore.

The European selection of the Bocuse d’Or is scheduled for October 2020 in Tallinn, Estonia.

The Group is awaiting authorizations in France for the reopening of the exhibition centers as of September 1, 2020.

The GL EVENTS VENUES division achieved a turnover of € 64.5 million, down 62.8%, impacted by the administrative closures imposed by the authorities since March 2020.

During the first half of the year, despite a difficult environment, the Group made progress on certain projects. In Paris, the Palais Brongniart organized its first phygital event with the fifth Start-ups and Innovation Summit. This hybrid format brought together 40 speakers in the vast auditorium of the former Paris stock exchange in front of a virtual audience of more than 1,000 participants from a distance.

Finally, in South Africa, GL events installed a temporary hospital at the Johannesburg Expo Center in June 2020 for a total budget of € 17 million.

In terms of future prospects, GL events expects a gradual recovery in activity in the second half of the year. Business events have resumed and operations for less than 5,000 people are starting to open.

The total fixed cost savings for the period will exceed € 90 million, added management, and the Group has confirmed its target of a net loss attributable to Group shareholders of € 30 million as of June 30, 2020.

The guidelines for the whole year will be published on September 15, 2020. From 2021, GL events has announced that it will benefit from the organization of major exhibitions such as Sirha, Expomin, Piscine Global Europe, Global Industrie in Lyon or the Saut Hermès equestrian show. and the organization of major events with the Tokyo Olympic Games, the UEFA Euro 2021 football championship and Expo 2020 Dubai. In the longer term, GL events intends to take advantage of its strengths to rebound as soon as the restrictions affecting the entire events sector are lifted.

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SME loan market CreditEnable raises fresh funds Wed, 07 Apr 2021 23:16:53 +0000

CreditEnable, based in London and Mumbai, looks to improve its technology platform and expand its user base in the coming months

CreditEnable claims to leverage data analytics and AI to deliver a hassle-free lending experience for private sector banks, NBFCs and financial lenders

India has around 1,263 digital lending startups, of which more than 147 are backed by venture capital funding, Inc42 analysis More

London and Mumbai-based business lending startup CreditEnable announced on Tuesday (January 19) that it had raised $ 2 million in pre-Series A funding led by startup incubator Venture Catalysts, along with its UK arm JPIN Venture Catalysts. Previously, the company had also raised $ 5 million in a funding round from investors such as SunGard CEO, Cris Conde, Alter Global and Astia and Floreat.

With the latest funding, the company said it will use the fund to improve its technology platform, while expanding its customer base across the country, thereby removing bottlenecks in India’s SME lending landscape.

Founded by seasoned investors Nadia Sood and Varun Sahni in 2017, CreditEnable is a credit marketplace that uses data analytics and AI to help SMEs obtain different types of business loans. In addition, the company claimed to help lending entities improve their approval rates to over 70% and disburse loans faster at competitive interest rates.

Some of its clients include private sector banks, NBFCs and financial lenders including IDFC, First Bank, ICICI, Bajaj and international financial institutions like Deutsche Bank and DBS among more than 20 lending partners. The platform offers business loans from INR 10 Lakh to INR 30 Cr with lending rates starting at 9%.

The rise of business loan applications

“In 2020 alone, $ 4.5 trillion in available financing has not been made to suitable borrowers, meaning today’s announcement fills a critical gap that is hampering the growth of SMEs,” CreditEnable revealed in a press release.

CreditEnable co-founder Sood said the Covid-19 pandemic has dramatically accelerated the adoption of digitization in financial services. “Obtaining affordable financing in the large-scale SME segment will be critical to our global economic recovery,” she added.

Venture Catalysts co-founder Apoorv Ranjan Sharma added that CreditEnable is well positioned to fill the biggest gaps in the Indian lending market, especially in the current pandemic environment where demand for business loans has increased.

CreditEnable is not alone in this space – other players in space include NeoGroth, DMI Finance, Flexi Loans, AYE, U GRO Capital, Lendingkart, Capital Float, Indifi, Novac, among others.

According to Inc42 More, India has about 1,263 digital lending startups, 12% of which are backed by venture capital funds. In addition, the report declared With an influx of venture capital into B2B lending startups increasing at a CAGR (2015-2019) of 72%, digital lending remains the most favored category in the lending technology segment.

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Biden revises small business loans to reach minority small businesses Wed, 07 Apr 2021 23:16:51 +0000

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WASHINGTON (Nation Now– US President Joe Biden on Monday announced changes to target more federal pandemic assistance to the country’s smaller businesses and businesses owned by women and people of color.

Biden says many of these family businesses “were pushed aside” by big business seeking federal funds early in the pandemic. He said the changes taking effect on Wednesday would bring long-awaited help to those small businesses he said are “crushed” by the economic downturn caused by the pandemic.

“America’s small businesses are hurting, hurting badly, and they need help now,” Biden said.

As part of the pandemic-era paycheck protection program, the administration sets a two-week window, starting Wednesday, during which only companies with fewer than 20 employees – the overwhelming majority of small businesses – can apply for forgivable loans.

Biden’s team is also allocating $ 1 billion to sole proprietors, such as building contractors and beauticians, the majority of whom are owned by women and people of color.

Other efforts will remove the ban on lending to a business that is at least 20% owned by someone arrested or convicted of a non-fraudulent crime in the previous year, and allow those who are behind on their student loans federal authorities to request relief through the program. The administration also clarifies that non-citizen legal residents can apply for the program.

First rolled out in the early days of the coronavirus pandemic and renewed in December, the program was intended to help Americans stay employed during the economic downturn. It allows small and medium-sized businesses suffering a loss of income to access federal loans, which are repayable if 60% of the loan is spent on payroll and the balance on other eligible expenses.

The Biden effort aims to correct disparities in the way the program has been administered by the Trump administration.

Paycheck Protection Program data released on December 1 and analyzed by the Associated Press shows that many minority homeowners desperate for a relief loan only received it in the last few weeks of the P3, while many other homeowners white businesses were able to obtain loans earlier in the program.

The program, which began on April 3 and ended on August 8 and granted 5.2 million loans worth $ 525 billion, has helped many companies stay afloat when government action to controlling the coronavirus have forced many people to shut down or operate at reduced capacity.

The latest PPP, which began Jan. 11 and ends at the end of March, has already disbursed $ 133.5 billion in loans – about half of the $ 284 billion allocated by Congress – with an average loan of less than $ 74,000 .

New program renewal not included in Biden’s $ 1.9 trillion ” American rescue planWhich he hopes Congress will adopt in the coming weeks.

Trademark and Copyright 2021 The Associated Press. All rights reserved.

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How Michigan Defense Met the “Perfect Challenge” to Return to Dominant Lanes Wed, 07 Apr 2021 23:16:48 +0000

Juwan Howard usually shows Michigan his defensive numbers the day after a game. After Sunday’s game against Ohio State, in which the Wolverines allowed 87 points, Howard waited.

“I held it and held it in my back pocket until I thought it was good to inspire a better defensive effort than what we gave against Ohio State,” said Howard said.

When he finally revealed the numbers and broadcast the tape, the message was received. Michigan dominated defensively Thursday against Iowa, stifling the nation’s best offense in a 79-57 win.

Michigan’s defensive game plan was to defend Luka Garza, the nation’s top scorer, one-on-one and stick with Iowa’s multitude of 3-point accurate shooters. Simple to understand; very difficult to perform.

It was essentially Michigan’s approach in last season’s first meeting with Iowa, and while Michigan won, Garza scored 44 of Iowa’s 91 points. Garza lost 33 in the rematch, won by the Hawkeyes.

Michigan did not have Hunter Dickinson at the time. In practice leading up to Thursday, Howard whistled whenever Dickinson moved defensively. Even though it didn’t result in a basket for the Michigan Boy Scout team, Howard knew Garza would be up to the task.

Dickinson, a freshman, made it known at the start of the match that he was ready for the challenge to keep his friend. And when he went to the bench with foul issues, his teammates Austin Davis and Brandon Johns Jr. also proved capable.

“Austin and Brandon did a fantastic job fighting each other – trying to make every take hard, challenge every shot, do whatever they can to… make Garza work for every bucket.”

Garza shot 6 for 19 from the field and scored 16 points, 11 below his season average. The Iowa offense forces most opponents to choose their poison. If the question posed Thursday was whether to slow Garza down or limit the Iowa 3, Michigan’s answer was “yes.” The Hawkeyes were only 6 for 19 at depth.

Iowa’s 57 points were the lowest on the schedule since scoring 53 in the 2019 Big Ten tournament, also an unbalanced loss to Michigan.

After Thursday’s loss, Iowa coach Fran McCaffery had no interest in discussing the details. When asked what led to his team’s offensive dysfunction, he simply replied, “It was not a dysfunction.” Iowa, fourth in the country in assists rate, has just four assists against Michigan. When asked about the cause of the low number, McCaffery said, “This question has been asked and answered.”

Michigan forced the Iowa perimeter players to score the dribble. The Hawkeyes had some success in the first half, but couldn’t keep it up. Dickinson and Davis (three fouls each) allowed a few fouls on Garza, but Iowa has only shot 11 free throws so far.

Against Ohio State, Howard thought his team “was more concerned with scoring than making saves.” For a Michigan team that had proven to be an elite defensively for much of the season, that was unacceptable.

“You know Coach Howard wasn’t playing about that,” Michigan senior forward Isaiah Livers said. “Yeah, we came out of Columbus with a ‘W’ but our defensive numbers were terrible. We walked through them, looked at each other and shook our heads, because that’s not us.

“We knew Iowa was going to step into our home, the top ranked Big Ten team, and we knew it was the perfect challenge. It was as if it was done on purpose to prove ourselves. We have risen to the challenge. “

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