#2025 Auto and Home Insurance

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[dkaufmandevelopment]

“America’s First Car-Free Community”: A Blueprint for Urban Living

In the heart of the Arizona desert, a groundbreaking experiment in urban living is unfolding. Culdesac, just 15 miles from downtown Phoenix, bills itself as “America’s First Car-Free Community.” Built “from scratch,” this innovative development challenges the status quo and offers a glimpse into a future where cars take a back seat.

The Vision

In 2023, nearly 140 residents made their homes in Culdesac, and ambitious plans are underway to expand to accommodate 1,000 residents across 760 apartments on 17 acres by 2025. But what sets this community apart?

Car-Free Living: A Paradigm Shift

No Car, No Problem

At Culdesac, car ownership is optional. Rentals range from $1,500 to $2,280 per month for one- or two-bedroom apartments, with renter incentives that can bring costs down to approximately $1,200 a month. Short-term, fully furnished rentals are also available. Residents enjoy multiple auto-free travel options, including:

Light Rail: A convenient stop right at the neighborhood corner.

E-Bikes: Pedal power for short trips.

Car-Share Station: Stocked with brand-new Chevy Bolt EVs.

Fitness and Freedom

Living without a car has unexpected benefits. No gas or insurance expenses, and it encourages physical activity. Culdesac’s well-designed layout features courtyards, gardens, and an exceptional on-site gym—an amenity that rivals any apartment complex.

Community Connection

Culdesac embodies a people-first philosophy. Social interactions are “built in,” fostering neighborly connections. Movie nights, farmers markets, and friendly bump-ins create a vibrant community spirit. Nate Dicochea, the leasing manager, sums it up: “There’s always something to do and some place to go.”

College Student Appeal

Culdesac resonates with college students who often don’t own cars. The convenience of nearby amenities and the absence of parking hassles make it an ideal choice.

The Road Ahead

Culdesac’s success prompts questions: Could car-free living catch on? The community eyes expansion into Mesa, AZ, and Atlanta. Realtor.com economist Ralph McLaughlin observes, “The emergence of car-free built environments will be an interesting trend to follow.” As America rethinks its car-centric culture, Culdesac leads the way toward a more connected, sustainable future.

Note: Culdesac’s innovative approach challenges traditional norms, but whether it becomes a widespread trend remains to be seen. Stay tuned. 🚶‍♂️🏢🌿

[ejesgistnews]

A Comprehensive Guide to Personal Loans and Smart Borrowing. Personal loans can be a valuable financial tool for various needs, from covering unexpected expenses to consolidating debt. Here’s a detailed guide to understanding the different types of personal loans and their benefits. Types of Personal Loans 1. Unsecured Personal Loans Description: These loans do not require collateral, meaning you don’t have to pledge any assets to secure the loan. Benefits: No Collateral Required: Reduces the risk of losing personal assets. Quick Approval: Often faster to process since no asset valuation is needed. Flexible Use: Can be used for various purposes, such as medical expenses, education, or travel. 2. Secured Personal Loans Description: These loans are backed by collateral, such as a car or property. Benefits: Lower Interest Rates: Typically offer lower interest rates due to reduced risk for the lender. Higher Loan Amounts: Can borrow larger sums compared to unsecured loans. Improved Approval Chances: Easier to qualify for if you have valuable assets. 3. Fixed-Rate Loans Description: These loans have a fixed interest rate that remains the same throughout the loan term. Benefits: Predictable Payments: Easier to budget with consistent monthly payments. Protection Against Rate Increases: Shielded from rising interest rates. 4. Variable-Rate Loans Description: These loans have an interest rate that can fluctuate based on market conditions. Benefits: Potential for Lower Rates: May start with a lower interest rate compared to fixed-rate loans. Flexibility: Can benefit from decreasing interest rates. 5. Debt Consolidation Loans Description: These loans are used to combine multiple debts into a single loan with one monthly payment. Benefits: Simplified Payments: Easier to manage one payment instead of multiple. Lower Interest Rates: Can reduce overall interest costs if the new loan has a lower rate.   Top 10 Tips For Choosing The Right Insurance Policy You Need To Know 10 Best Seniors Auto Insurance Options for 2024/2025 How To Reduce Your Gas And Electricity Bills: Top 10 Tips You Need To Know Benefits of Personal Loans Access to Quick Funds: Provides immediate cash for emergencies or planned expenses. Flexible Use: Can be used for a wide range of purposes, from home improvements to medical bills. Fixed Repayment Schedule: Helps with budgeting and financial planning. Improves Credit Score: Timely repayments can boost your credit score. How to Secure a Business Loan in Nigeria Securing a business loan in Nigeria can be challenging, but with the right approach, you can increase your chances of success. Here’s a step-by-step guide to help small business owners secure funding. 1. Develop a Solid Business Plan A comprehensive business plan is crucial. It should outline your business model, market analysis, financial projections, and how you plan to use the loan. A well-prepared plan demonstrates your business’s potential to lenders. 2. Determine the Loan Amount Calculate the exact amount of money you need for your business. Be specific about how the funds will be used, whether for purchasing equipment, expanding operations, or covering operational costs. 3. Choose the Right Type of Loan Different types of business loans are available, including: Term Loans: Lump sum repaid over a fixed period. Lines of Credit: Flexible borrowing up to a certain limit. Microloans: Small loans for startups and small businesses. Equipment Financing: Loans specifically for purchasing equipment 4. Meet Eligibility Requirements Lenders have specific criteria, such as: Business Registration: Ensure your business is legally registered. Credit Score: Maintain a good credit score. Financial Statements: Provide audited financial statements for the past two years. Collateral: Be prepared to offer collateral if required. 5. Prepare Financial Documents Gather all necessary financial documents, including:

Income Statements Balance Sheets Cash Flow Statements Tax Returns 6. Research Lenders Identify potential lenders, such as banks, microfinance institutions, and online lenders. Compare their interest rates, loan terms, and eligibility requirements. 7. Apply for the Loan Submit your loan application along with the required documents. Be prepared to answer questions about your business and financials during the review process. 8. Follow Up Stay in touch with the lender throughout the application process. Promptly provide any additional information they request to avoid delays. 9. Utilize the Funds Wisely Once approved, use the loan funds as outlined in your business plan. Proper utilization of the loan can help grow your business and improve your chances of securing future funding. 10. Repay on Time Ensure timely repayment of the loan to maintain a good relationship with the lender and improve your creditworthiness for future loans. 5 Essential tips for Smart Borrowing. Here are five essential tips for smart borrowing to help you manage your finances effectively: 1. Know Your Numbers Before applying for any loan, it’s crucial to understand your financial situation. Check your credit score and debt-to-income ratio. A higher credit score can help you secure better loan terms, while a manageable debt-to-income ratio ensures you can handle additional debt without financial strain. 2. Differentiate Between Good and Bad Debt Not all debt is created equal. Good debt, such as student loans or mortgages, can help you build wealth over time. On the other hand, bad debt, like high-interest credit card debt, can be financially draining. Focus on borrowing for investments that will appreciate in value or improve your financial situation. 3. Shop Around for the Best Rates Don’t settle for the first loan offer you receive. Compare rates from multiple lenders to find the best deal. Look for transparent terms and conditions, and consider both traditional banks and online lenders to ensure you’re getting the most favorable terms. 4. Understand the Terms of the Loan Read the fine print before signing any loan agreement. Make sure you understand the interest rate, repayment schedule, fees, and any penalties for early repayment. Knowing these details can help you avoid unexpected costs and manage your loan more effectively. 5. Create a Repayment Plan Have a clear plan for repaying your loan. Budget for your monthly payments and consider setting up automatic payments to avoid missing due dates. Paying off your loan on time can improve your credit score and make it easier to borrow in the future. By understanding the different types of personal loans and following the steps to secure a business loan, you can make informed financial decisions that support your personal and business goals. Whether you're looking to cover unexpected expenses or expand your business, the right loan can provide the financial boost you need. Remember to borrow responsibly and manage your debt effectively to ensure long-term financial stability

[michiganprelawland]

Michigan Supreme Court’s Clarifying Decision on the State’s No-Fault Auto Insurance Policy

By Taylor Trenta, Calvin University Class of 2025

August 16, 2023

As of last month, the Michigan Supreme Court clarified that Michigan’s no-fault insurance law does not apply to injuries before the 2019 Act. [1] This 5-2 decision specified that the 2019 amendment is not applicable to earlier and already established policies. [1] The no-fault act was amended in 2019, limiting family-provided attendant care reimbursement, possible medical services, and other alterations. [1] In context, driving in Michigan as a resident requires a no-fault automobile insurance policy. Without it, the punishment is a fine of up to $500 and a year in jail, as well as a 30-day license suspension. [2]

According to the Michigan Department of Insurance and Financial Services, “If you are injured in an auto accident, PIP will pay all reasonable and necessary medical expenses for your lifetime up to the maximum coverage amount selected in the affected policy. PIP will pay wage loss and replacement services for up to three years after the date of the accident.” [2] Personal Injury Protection options include Unlimited Coverage, $500,000 per person per accident, $250,000 per person per accident, $250,000 per person per accident with exclusions, no PIP medical insurance, etc. [2] For property protection, no-fault will pay up to $1 million for cases of damage to another person’s home, fence, or parked vehicles. [2] For Residual Liability Insurance, “Michigan’s no-fault insurance protects insured persons from being sued as the result of an automobile accident, except in certain situations. This includes when the injured party does not have enough coverage to pay for treatment or payment must be made to compensate someone that was killed or seriously injured.” [2] Additional options include Collision and Comprehensive Insurance, Limited Property Damage Liability Insurance, and Towing and Rental Car Coverage. [2]

Michiganders brought attention to the change in policy when Ellen M. Andary and Phillip Krueger experienced challenges to their coverage. After injuries from automotive accidents, the two received uncapped lifetime medical care, but faced challenges following 2019. [1] The case states, “It has long been the rule in Michigan that for insurance purposes the rights and obligations of the parties vest at the time of the accident. For purposes of a no-fault policy of insurance, this means that neither the insured nor the insurer can unilaterally change the terms of a policy after a covered accident occurs.” [1] This emphasized concerns from prior injuries. These people, along with others throughout the state, worried about being able to cover medical expenses if the policy was altered retroactively. The case syllabus says, “Andary’s and Krueger’s rights to [personal protection insurance] benefits under the applicable no-fault insurance policies vested, at the latest, when their injuries occurred and they first became eligible for [personal protection insurance] benefits.” [1] With the majority opinion, Justice Elizabeth Welch wrote: "The 2019 no-fault amendments do not clearly convey an intent to retroactively modify these vested contractual rights.” [3]

In contrast, Viviano wrote the dissent, saying the decision: “thwarts the will of the Legislature” and “As a result, the efforts of the Legislature and the Governor to reduce costs and make insurance more affordable for all the residents of our state will not come to fruition for many decades.” [4] While the updated decision only applies to crash survivors from before June 11, 2019, future dissent may come. [4] When the new cost controls were implemented, lawmakers did not specify if it impacted pre-2019 or post-2019 accidents. With the new decision, 15,000 Michiganders who experienced catastrophic accidents on the road are to be paid at full rates without cost controls. [5] With the overhaul law, healthcare providers were required to cut their prices by approximately 45%; this resulted in some patients being dropped. [5] The alteration also exempts survivors from the 56-hour cap placed on home attendant care. [5]

For the American Civil Liberties Union of Michigan and health organizations, this ruling was a positive decision. Dan Korobkin, legal director for the ACLU of Michigan, stated: “Applying the [2019] law retroactively has resulted in the withdrawal of critical care from people who are living with severe disabilities as a result of catastrophic injuries suffered in car accidents — care that allows them to continue living their lives and participate in society... Because of this ruling, it is our hope that thousands of Michiganders seriously injured in auto accidents, and receiving crucial care and resources through insurance coverage, won’t have their lives dangerously upended.” [1]

However, not all are happy with the results from the turmoil. Kris Curtis, director of CBI Rehabilitation Services in East Lansing, stated, "From what I understand, 30 programs like ours closed... Other health care providers stopped providing services to auto no-fault clientele, and they closed their doors. So, from the statistics I've heard, there were over 6,000 workers in this area that lost their jobs." [3]

While this decision helps clarify the policy, questions remain about the 2019 no-fault decision in Michigan. Even before the new cost controls were implemented, Michigan was the only state in the United States to require drivers to pay for full personal injury protection; consequently, Michigan was consistently the state with the highest auto insurance rate. [5] Now, Insure.com says Michigan ranks fourth. [4] However, many victims of car accidents before 2019 are relieved to receive coverage again.

______________________________________________________________

Taylor Trenta is a pre-law student at Calvin University, located in Grand Rapids, Michigan. She is currently studying history and economics as an Honors Scholars student.

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[1] Davidson, Kyle. (July 31, 2023). “Michigan Supreme Court: No-fault auto insurance changes don’t impact prior services.” Michigan Advance. Michigan AdvanceMichigan Supreme Court: No-fault auto insurance changes don’t impact prior servicesChanges to Michigan's no-fault auto insurance law do not apply to individuals injured before the changes were issued, the Michigan Supreme....1 week ago.

[2] Michigan Gov. “Brief Explanation of Michigan No-Fault Insurance.” Michigan Gov. https://www.michigan.gov/-/media/Project/Websites/autoinsurance/PDFs/FIS-PUB_0202a.pdf.

[3] Meyers, Elle. (July 31, 2023). “Michigan Supreme Court upholds no-fault auto insurance ruling.’ CBS Detroit. CBS NewsMichigan Supreme Court upholds no-fault auto insurance ruling(CBS DETROIT) - Early Monday morning, the Michigan Supreme Court upheld a previous lower court ruling, saying those who were injured in car....1 week ago.

[4] Gibbens, Lauren. (July 31, 2023). “Michigan court limits scope of no-fault reform. Will insurance rates rise?” Bridge Michigan.

Bridge MichiganMichigan court limits scope of no-fault reform. Will insurance rates rise?Car crash survivors injured before 2019 no-fault law aren't subject to its restrictions on medical fees, Michigan Supreme Court rules....1 week ago.

[5] Reindl, JC. (July 31, 2023). “Michigan Supreme Court: No-fault overhaul doesn't apply to 15,000 catastrophic survivors.”

Detroit Free Press. Detroit Free PressMichigan Supreme Court: No-fault overhaul doesn't apply to 15000 catastrophic survivorsThe Michigan Supreme Court on Monday ruled that new medical cost controls in Michigan's recent overhaul of its no-fault auto insurance....1 week ago.

[factsride]

Interesting Facts About Cars

A wheeled motor vehicle used for transport is called a cars and truck (or automobile). The year 1886 is considered the birth year of the automobile since that is when German developer Carl Benz patented his Benz Patent-Motorwagen. The majority of definitions of cars specify that they run mostly on roads, seat one to eight people, have 4 wheels, and are generally used to carry people instead of items. Throughout the 20th century, cars and trucks ended up being significantly available. The 1908 Design T, an American car produced by the Ford Motor Business, was one of the very first lorries that the average individual could purchase. In the United States, where they changed animal-drawn sleighs and carts, vehicles were rapidly adopted [6] Nevertheless, in Europe and other areas of the world, demand for cars and trucks did not get till after World War II.-Controls are offered for driving, parking, traveler comfort, and a variety of lights in autos. Cars have actually progressively ended up being more complex over the years as more functions and controls have actually been introduced. A/c, navigational systems, and in-car home entertainment are a few of these. The majority of automobiles on the road in the early 2020s are powered by internal combustion engines that burn fossil fuels for energy. The switch from fossil fuels to electric automobiles is a major element of many environment change mitigation scenarios, such as Job Drawdown's 100 actionable services for climate change. Electric vehicles, which were developed early in the history of the auto, very first ended up being commercially offered in the 2000s and are anticipated to be more economical to buy than fuel vehicles prior to 2025. Utilizing a cars and truck has expenses and benefits. The costs to the private include purchasing the cars and truck, interest payments (if the cars and truck is financed), repairs and maintenance, fuel, devaluation, driving time, parking charges, taxes, and insurance coverage. The costs to society consist of upkeep of the roads, land usage, traffic congestion, air contamination, public health, health care, and getting rid of the car at the end of its helpful life. The majority of injury-related fatalities globally are triggered by traffic collisions.On-demand transportation, mobility, self-reliance, and benefit are all personal advantages. Economic benefits such as the production of jobs and earnings in the auto sector, the provision of transport, social well-being through leisure and travel options, and tax income collection are examples of social advantages. The flexibility with which people can move from one area to another has profound impacts on society. Approximately 1 billion cars and trucks remain in use worldwide. Especially in China, India, and other just recently industrialized countries, the variety of vehicles on the road is fast rising.Ransom Olds started the large-scale, assembly-line production of inexpensive cars and trucks in 1901 at his Oldsmobile plant in Lansing, Michigan, building on the stationary assembly line developments made by Marc Isambard Brunel at the Portsmouth Block Mills, England, in 1802. Thomas Blanchard established the assembly line method of mass production and interchangeable parts in the United States in 1821 at the Springfield Armory in Springfield, Massachusetts. Henry Ford significantly broadened this concept starting in 1913 with the installation of the first moving assembly line for autos at the Highland Park Ford Plant. Here are more fascinating facts about cars

[ippnoida]

Study says unit-dose blister packaging’s demand to grow in future

Patient adherence, injection prevention, heightened drug production, and self-administration are some of the primary drivers of the estimated 6.4% annual growth of the containers of a unit-dose, and it is expected to hit US$57.9 billion by the end of 2025, according to the new analysis of Freedonia Group.

The blister packaging for solid dose applications will lead the worldwide market. The parenteral vials and pre-fillable syringes will encounter the fastest growth. Enhancing patient compliance through packaging designs is one of the significant trends that support the unit-dose market. This will accelerate the blister and strip pack usage. Clinical drug trials will boost the growth prospects for the unit-dose packaging systems promoting recordkeeping and compliance.

The Freedonia Group analysis predicts that due to the increased need for better infection control systems, the use of pen adaptable cartridges, auto-retractable pre-fillable syringes, and high-barrier parenteral vials would increase throughout the world’s medical community. It is a response to the requirement for improved infection prevention systems. 

Blister growth is driven by competition

The intensifying private and generic label competition promotes drug manufacturers to upgrade the containers to influence the medical providers’ and consumers’ purchasing decisions.

According to Freedonia analyst Bill Martineau, the imposed downward pricing pressures by private and public health insurance providers boost the personal and general label competition. Also, because of acquisitions and mergers, the number of proprietary drug distributors and makers is slightly decreasing, and the number of generic distributors and producers is increasing.

Efforts in enhancing the convenience and aesthetic properties of the pharma packaging apply massively to the over-the-counter supplements and drugs sold in retail stores. Also, enhancements in the ethical packaging of the drug include ease of delivery and infection prevention features.

Vaccines and new therapies demand unit-dose syringes

According to the study, biosimilar and new treatments for viral disorders, cancer, and several other debilitating problems will boost the demand for unit-dose parenteral vials and pre-fillable syringes. Martineau says that all these drugs are packaged in unit-dose containers almost always.

Additionally, the current enhancements in syringe safety and design are responsible for the rise in the therapies approved for self-injection. Therefore, it accelerates the demand for unit-dose parenteral vials and pre-fillable syringes. According to Martineau, self-injection therapies are mostly packages in either multi-use devices with cartridges or single-dose syringes.

An increased focus on infection prevention in the delivery system of the parenteral drug in clinics, hospitals, nursing homes, and physicians’ offices also contributes to the rise of unit-dose parenteral vials and syringes.

To conclude, the demand for all these unit-dose formats will rise. It will be the response to the expansion of the worldwide preventive medicine that needs a single-dose injectable vaccine for the diseases like shingles, meningitis, influenza, and Covid-19. The medical sector is making drastic improvements. So, within the coming few years, it will elevate things to a whole new level. With technological advancement and heightened consumer demand, things will get intense very soon.

[chitrakullkarni]

Insurtech Market Product, Segmentation, Industry Outlook and Impact of COVID-19

The global insurtech market size is anticipated to value USD 16.8 billion until 2025. It is also expected to register a CAGR of 43.0% over the forecasted years, 2019 to 2025. The rising usage of advanced technologies like AI (Artificial Intelligence) and ML (Machine Learning) across many insurance companies for targeting customers and maintaining their records is projected to drive market growth.

COVID-19 Impact Insights:

The market has been affected positively due to the ongoing COVID-19 pandemic. This can be associated with the increasing demand for insurance claims on account of health concerns arising among senior citizens. Moreover, the need for catering hospitalization expenses due to the pandemic is driving the demand for medical and health insurance. Further, rapid technological advances in fields like AI, ML, and IoT are anticipated to propel market growth over the post-pandemic period.

Insurtech Market Share Insights:

The key players in the market are Majesco, Damco Group, Oscar Insurance, DXC Technology Company, Shift Technology, Quantemplate, Zhongan Insurance, and Wipro Limited. These players are constantly engaged in product development and innovation to gain a competitive advantage over other players. For example, a Zhongan Insurance subsidiary named Zhongan Technology launched a SaaS (Software-as-a-service) platform for its insurers.

These players have also started investing hugely in R & D activities to widen their geographical reach and product portfolio. For example, the R&D team of Majesco was formed in 2018 and it is engaged in the development of digital solutions to cater to various insurance companies.

Request free sample to get a complete analysis of the market players @ https://www.millioninsights.com/industry-reports/global-insurtech-market/request-sample

Million Insights has segmented the global insurtech market based on type, service, technology, end use and region:

Type Outlook:

Auto

Business

Health

Home

Specialty

Travel

Service Outlook:

Consulting

Support & Maintenance

Managed Services

Technology Outlook:

Blockchain

Cloud Computing

IoT

Machine Learning

Robo Advisory

The cloud computing technology segment is projected to witness significant growth due to rising consumer demand for hybrid and customized services related to insurance. While the blockchain technological segment is anticipated to register 44.9% CAGR from 2019 to 2025 due to the need for enhancing operational speed and transparency in the process of insurance claims.

End-use Outlook:

Automotive

BFSI

Government

Healthcare

Manufacturing

Retail

Transportation

The BFSI end-use segment dominated the global market in 2018 on account of the increasing deployment of several digital platforms across banking sectors and financial institutions. While the healthcare segment is projected to register the highest CAGR owing to rising concerns regarding health prevailing among the millennial population.

Regional Outlook:

In 2018, North America dominated the global market due to the increasing number of service providers across this region. While the Asia Pacific is anticipated to register substantial growth over the forecasted years owing to the rising number of insurance companies across this region coupled with their attractive offerings for customer engagement across countries like China and India.

Browse Related Category Research Reports @ https://industryanalysisandnews.wordpress.com/

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It is Time to Shop Your Bundled 2025 Auto and Home Insurance Renewal! - Gaudette Insurance Agency, Inc.

It is time for you to shop around for auto and home insurance quotes Massachusetts in 2025!

Why should I shop around for auto & home insurance quotes Massachusetts

There are many reasons why you should consider shopping around for quotes on Massachusetts home and auto insurance in 2025.

Getting your home and car "better insurance company coverage". You might be underinsured, so it's good to first make sure you have the right coverage for your vehicle or property.

Finding cheaper and more affordable premiums for home & auto insurance homeowners! You may save more or less depends on your situation.

Maybe your company had higher than average losses they have to make up for. It's always wise to get a 2nd, 3rd, or 4th quote to compare.

Learn more about our comprehensive coverage.

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[bisrsrch]

Wearable Robotic Exoskeleton Market Size, Status and Precise Outlook 2021-2031

The technological development in various peripheral components like electronics, optronics, and the development of new materials having extremely low weight and high tensile strength is supporting the development and acceptance of exoskeletons on a commercial level. Investments by major government bodies toward research, development, and integration of exoskeletons in their military capabilities are generating business opportunities for globe defense players like Thales Group and Lockheed Martin, whereas rising interest of various insurance companies across the globe to provide exoskeletons for physically challenged individuals is generating market opportunities for the companies like ReWalk and German Bionics who cater to the commercial market.

Report Preview: https://bisresearch.com/industry-report/wearable-robotic-exoskeleton-market.html

Rising geriatric population across the globe that faces difficulties in performing day to day activities and shortage of labor forces in the industrial segment have allowed various auto manufacturers to explore the opportunities of integrating robotic wearable exoskeletons with their existing work force to increase their operation efficiency, reduce fatigue, and elevate work safety environment. Few of the major auto manufacturing companies in Asia-Pacific like Honda Motor Co., Hyundai Motors, and MHI have started investing in design and development of exoskeletons and planned to launch their products between 2022 and 2025, thereby boosting the opportunities of industrial exoskeletons over the forecast period.

Robotics technologies are expected to be dominant in the coming years and expected to influence every aspect of workplace, home, industries, hospitals, and defense forces, among others. Significant developments are evident in the emerging robotics fields, including autonomous vehicles, Artificial intelligence (AI), robotic exoskeletons, drones, humanoid robots, and virtual reality (VR), among others. Robotics technologies have significant potential to greatly aid the betterment of social, political, and economic aspects of a nation while raising the overall efficiency of work practices with adequate safety levels.

Request a Sample: https://bisresearch.com/requestsample?id=1096&type=download

The growth in the market can be attributed to the rise in investments contributed by major industry players toward research, development, and testing of healthcare exoskeletons. Various facts and figures released by the healthcare exoskeleton start-ups across the globe stating increased efficiency in patient rehab therapy will support market opportunities.

The rehabilitation application with the wearable robotic exoskeleton market will capture the highest market share in terms of value and volume. The increase in positive feedback from the users using exoskeletons for their rehab therapies and varied scope of application from healthcare to defense verticals where individuals are using exoskeleton rehab therapies is generating new market opportunities.

[ejesgistnews]

How to Reduce my Gas and Electricity Bills? With rising energy costs, finding ways to reduce your gas and electricity bills is more important than ever. Here are some actionable tips to help you conserve energy and save money: 1. Conduct an Energy Audit Start by conducting an energy audit of your home. Many utility companies offer free or discounted audits. An audit can identify areas where your home is losing energy and provide recommendations for improvements. 2. Upgrade to Energy-Efficient Appliances Invest in energy-efficient appliances, such as those with an ENERGY STAR rating. These appliances use less energy and can significantly reduce your utility bills over time. 3. Use a Programmable Thermostat A programmable thermostat allows you to set your heating and cooling systems to operate only when needed. Adjusting your thermostat by 7-10 degrees for 8 hours a day can save up to 0% on your annual heating and cooling costs. 4. Seal Leaks and Insulate Ensure your home is properly sealed and insulated. Seal gaps around windows, doors, and ducts to prevent heat loss in the winter and keep cool air inside during the summer. 5. Switch to LED Lighting Replace incandescent bulbs with LED lights. LEDs use up to 7% less energy and last much longer than traditional bulbs. 6. Use Smart Power Strips Smart power strips can help reduce “vampire” energy use by cutting off power to devices that are not in use. This can save you up to ₦300,000 ($200) a year. 7. Optimize Water Heating Set your water heater to 0°F (9°C) to save energy. Consider installing a tankless water heater, which heats water on demand and reduces energy consumption. 8. Wash Clothes in Cold Water Most of the energy used by washing machines goes to heating water. Washing clothes in cold water can save a significant amount of energy. 9. Use Energy-Efficient Windows If possible, upgrade to energy-efficient windows. These windows have better insulation properties and can help maintain a consistent indoor temperature. 10. Take Advantage of Off-Peak Rates Some utility companies offer lower rates during off-peak hours. Try to run high-energy appliances, like dishwashers and washing machines, during these times to save money. Top 10 Tips For Choosing The Right Insurance Policy You Need To Know 10 Best Seniors Auto Insurance Options for 2024/2025 The Future of Renewable Energy The future of energy is renewable. As the world shifts towards more sustainable energy sources, several trends and innovations are shaping the landscape. Here’s a look at what’s on the horizon: Solar Power Solar energy continues to be a leading renewable energy source. Advances in solar photovoltaic (PV) technology have made solar panels more efficient and affordable. Innovations like flexible and lightweight solar panels are expanding the applications of solar energy. Wind Energy Wind power is another rapidly growing renewable energy source. Offshore wind farms are becoming more common, and new turbine designs are increasing efficiency and reducing costs. Wind energy is expected to more than double its capacity by 08. Energy Storage Energy storage is crucial for the reliability of renewable energy. Technologies like flow batteries and advanced lithium-ion batteries are improving storage capacity and efficiency. These advancements ensure a stable supply of energy even when production is low. Smart Grids Smart grid technology is revolutionizing the way energy is distributed and consumed. Smart grids use digital communication to detect and react to local changes in usage, improving efficiency and reliability. Hydrogen Energy Hydrogen is emerging as a versatile and clean energy carrier. It can be produced from renewable sources and used in various applications, from powering vehicles to generating electricity. Policy and Incentives Government policies and incentives play a significant role in the adoption of renewable energy. Subsidies, tax credits, and renewable energy mandates are encouraging both individuals and businesses to invest in sustainable energy solutions.

Global Collaboration International cooperation is essential for the global transition to renewable energy. Countries are working together to share technology, knowledge, and resources to accelerate the adoption of clean energy. Innovations in Renewable Energy Perovskite Solar Cells: These next-generation solar cells promise higher efficiency and lower production costs. Floating Wind Turbines: These turbines can be installed in deeper waters, where winds are stronger and more consistent. Bioenergy: Advances in bioenergy are making it a more viable option for reducing carbon emissions. By implementing energy-saving measures and staying informed about the latest trends in renewable energy, you can reduce your utility bills and contribute to a more sustainable future. The transition to renewable energy is not just a necessity but an opportunity to innovate and create a cleaner, more efficient world.

[esglatestmarketnews]

Therapeutic Respiratory Devices Market Growth Factors, Strategies And Highlights of The Market till 2025

September 29, 2021: The global Therapeutic Respiratory Devices Market is estimated to develop at a CAGR of 9.10% for the duration of the prediction period. The therapeutic respiratory devices industry was appreciated by US$ 8.2 billion in the recent past years. Increasing elderly residents base, growing occurrence of breathing illnesses, and speedy technical progressions are the aspects motivating the development of the market. Furthermore, growing acceptance of therapeutic respiratory devices for example oxygen concentrators, nebulizers and humidifiers are estimated to trigger the development of the market.

The therapeutic respiratory devices market on the source of Type of Product could span Positive Airway Pressure Devices, Oxygen Concentrators. On the basis of type of products, the market is divided into Gas Analyzers, Ventilators, Oxygen Concentrators, Nebulizers, Capnographs, Humidifiers and Positive Airway Pressure Devices. The Positive Airway Pressure Devices were expected to take over the market by means of over 52% of the income stake in 2016. It is expected to record speedy development in the prediction period. This can be credited to growing occurrences of disruptive sleep apnea, they are accountable for the development of this subdivision. This is credited to reasons which are connected with the style of life for example smoking, ingestion of alcohol, fatness and circumstances for example craniofacial irregularities.

As stated by National Healthy Sleep Awareness Project, started in the year 2014, in any case 25 million persons in the U.S.A are testified to take disruptive sleep apnea. Growing usage of these apparatuses by way of the elderly patient base is too accountable for the development of therapeutic respiratory devices industry.

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Nebulizers can be subdivided as Ultrasonic Nebulizer, Compressor-based Nebulizers, Piston based hand held Nebulizer. Humidifiers can be subdivided as Stand-alone humidifiers, Integrated humidifiers, Heated humidifiers, Built-In humidifiers, Passover humidifiers. Oxygen Concentrators can be subdivided as Portable oxygen concentrators, Fixed oxygen concentrators. Positive Airway Pressure Devices can be subdivided as Bi-level positive airway pressure devices, Continuous positive airway pressure devices, Auto-titrating positive airway pressure devices.

Ventilators can be subdivided as Neonatal ventilators, Adult ventilators. The Therapeutic Respiratory Devices market on the source of Type of Technology could span Microsphere separation, HEPA filter technology, Hollow fiber filtration and Electrostatic Filtration. The Therapeutic Respiratory Devices industry on the source of Type of Filters could span Nebulizer Filters: Cabinet filter, Inlet filter, Replacement filter, Humidifier Filters (Demineralization cartridges, Permanent cleanable filters, Mineral absorption pads, Wick filters).

Positive Airway Pressure Devices Filter could span Acrylic & Polypropylene fiber filters, Ultra fine foam inlet filters, Polyester non-woven fiber filters. Oxygen Concentrator Filters constitute Hollow-membrane filter, Felt intake filter, Inlet filter, Cabinet filter, Bacterial filter, Micro disk filter, Pre-Inlet filter, HEPA filter. Ventilator Filters can be subdivided as Mechanical Filters and Electrostatic Filters. Mechanical Filters is further subdivided as Activated carbon filters, HEPA Filters, ULPA Filters. Electrostatic Filters further subdivided as Fibrillated filters and Tribo charged filters.

The Therapeutic Respiratory Devices market on the source of Area with respect to Trades in terms of intake, Profits, Market stake and Development percentage of Therapeutic Respiratory Devices spans North America, Europe, Asia Pacific, Latin America and Middle East and Africa. North America [U.S.A, Canada], Latin America [Brazil, Mexico], Europe [France, Spain, Germany, U.K., Italy, and Switzerland], Asia Pacific [India, Japan, China], and Middle East & Africa [South Africa].

By the source of geography, North America had controlled the market in 2016 due to the existence of outsized elderly inhabitants base and growing occurrence of long-lasting breathing illnesses. In addition, the most important segment of the market in North America is owing to obtainability of repayment in U.S. healthcare centers financial records, growing alertness about healthcare, development in healthcare substructure, bigger number of casualty surgical procedure, and financial development preferred by extending insurance attention.

The government fitness policies for example Medicaid and Medicare supported by CMS too motivate the development of therapeutic respiratory devices industry in this area. Asia Pacific is likely to display the speedy development for the duration of the prediction due to reasons for example increasing occurrence of asthma in grown person along with youngsters and technical progressions.

As stated by information released by the Global Initiative for Asthma [GINA], it is expected that, there will be an upsurge of an extra 100 million people by means of asthma by the completion of 2025. Furthermore, growing necessity for home based healthcare organizations is too have a great influence, which is driving this market in this area. Additionally, increasing per head income and the changes associated with the standard of living are too liable for the important development percentage in this area above the prediction period.

Browse Full Research Report @ https://www.millioninsights.com/industry-reports/therapeutic-respiratory-devices-market-size

The statement revises Trades in terms of intake of Therapeutic Respiratory Devices in the market; particularly in North America, Europe, Asia Pacific, Latin America, Middle East & Africa and Rest of the World. It concentrates on the topmost companies operating in these regions. Some of the important companies operating in the Therapeutic Respiratory Devices on the international basis are Mind ray, Invacare, Smiths Medical, Philips Healthcare, GE Healthcare, Fisher and Paykel, Covidien PLC, Compumedics Ltd., Chart industries, and CareFusion Corporation.

Market Segment:

Therapeutic Respiratory Devices Product Type Outlook (Revenue, USD Million, 2014 - 2025)

• Nebulizers

• Compressor-based nebulizers

• Piston based hand held nebulizer

• Ultrasonic Nebulizer

• Humidifiers

• Heated humidifiers

• Passover humidifiers

• Integrated humidifiers

• Built-In humidifiers

• Stand-alone humidifiers

• Oxygen Concentrators

• Fixed oxygen concentrators

• Portable oxygen concentrators

• Positive Airway Pressure Devices

• Continuous positive airway pressure devices

• Auto-titrating positive airway pressure devices

• Bi-level positive airway pressure devices

• Ventilators

• Adult ventilators

• Neonatal ventilators

• Capnographs

• Gas Analyzers

Therapeutic Respiratory Devices Technology Outlook (Revenue, USD Million, 2014 - 2025)

• Electrostatic Filtration

• HEPA filter technology

• Hollow fiber filtration

• Microsphere separation

Therapeutic Respiratory Devices Filters Outlook (Revenue, USD Million, 2014 - 2025)

• Nebulizer filters

• Inlet filter

• Replacement filter

• Cabinet filter

• Humidifier filters

• Wick filters

• Permanent cleanable filters

• Mineral absorption pads

• Demineralization cartridges

• Positive airway pressure devices filter

• Ultra fine foam inlet filters

• Polyester non-woven fiber filters

• Acrylic & Polypropylene fiber filters

• Oxygen concentrator filters

• HEPA filter

• Cabinet filter

• Pre-Inlet filter

• Inlet filter

• Micro disk filter

• Felt intake filter

• Bacterial filter

• Hollow-membrane filter

• Ventilator filters

• Mechanical filters

• HEPA Filters

• ULPA Filters

• Activated carbon filters

• Electrostatic filters

• Tribocharged filters

• Fibrillated filters

Get in touch

At Million Insights, we work with the aim to reach the highest levels of customer satisfaction. Our representatives strive to understand diverse client requirements and cater to the same with the most innovative and functional solutions.

Contact Person:

Ryan Manuel

Research Support Specialist, USA

Email: ryan@millioninsights.com

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How Much It Costs To Build Telemedicine Apps Like Practo & ZocDoc?

The current pandemic situations have restricted people to their homes. While all other sectors are switching to remote working, it was challenging for the healthcare industry to cope with the same. Thankfully, there were telemedicine apps like Practo, ZocDoc, Teladoc, and more. These helped patients seek medical attention virtually, at the comfort of their home and without spreading the virus.

Over the last year, telemedicine apps have gained immense popularity. In fact, the global health market is rising at 44.2% and is estimated to reach $112 billion by 2025. Online healthcare apps like Practo are inspiring other business owners and entrepreneurs to build their own telemedicine apps.

Why Launch Your Own Telemedicine Like Practo?

The main objective of these apps is to enable remote access to healthcare services for users from the comfort of their homes. But it is worth noticing that these telemedicine apps have made soaring profits amid pandemic. One of the popular on-demand platforms recently launched a coronavirus assessment tool, stating that their apps recorded 10,000 transactions per day.

Even Practo Technologies registered a of 600% in video consultations since the lockdown started. And 70% of the users were found to be first-time telemedicine app users. Hence, investing in a branded telemedicine app can be a wise choice. Sounds interesting, right?

There might be many questions coming across while you plan to build your own telemedicine app. How does Practo work? How does a telemedicine app like Practo make money? And the list can be long. Out of all the questions, the one that remains unanswered is- How much does it cost to build an app like Practo?

Before you get the answer to this, it is essential to understand what features make these apps useful and popular.

What Are The Must-have Features For Telemedicine Apps Like Practo/ZocDoc?

Most of the health tech apps like Practo and ZocDoc have a patient-centric model. If you want to create an app on similar lines, here’s what you must include:

Easy doctor and patient registration: No one likes a tedious registration process, be it online or offline. Try to keep the registration process simple with minimal data requirements.

Fast and hassle-free doctor appointment booking: A seamless user interface and doctor/patient dashboard are something you cannot miss out on. It plays a crucial role in helping patients connect to doctors and manage/book appointments.

Video/Audio/Text consultation: For maximum efficiency, the app must be capable of providing high-quality audio and video consultation services. The real-time chat window is also a desirable feature that lets patients consult doctors through texts and can send media files like images of records.

Secure payment gateway: Your health-tech app must be integrated with multiple secure payment options. It also must be capable of auto-generating invoices to make payments transparent and fast. When you give multiple payment options to the users, customers are more likely to complete the transaction. Do you know, about of consumers prefer apps with multiple payment options.

Medicine delivery options: Health-tech apps like Practo have medicine delivery features. Here patients can use the doctor’s prescriptions and shop for the medicines. Practo arranges home delivery of these within the shortest time.

Electronic health records: Your health-tech app needs to have enough storage options to accommodate the health records of the patients. In addition, since medical records are highly confidential, you need to ensure they aren’t subjected to any data breaches.

Doctor listing and details: You need to add a section that has a list of board-certified physicians and facilitates. It helps users to choose a health service provider that suits their requirements(nature of illness, location, and budget) You can also add reviews for each of these doctors, so patients can choose a reliable doctor with suitable treatment options.

Geotagging: This feature helps patients to locate doctors and insurance companies at a specified location.

Appointment notifications: You can use this feature to send short messages to the users regarding an upcoming appointment, or a promotional offer or any other relevant information.

Besides, there are many more features to launch, run and grow your telemedicine app. Want to have a quick overview of unique and exclusive features? Get your feature book here.

How Much Does It Cost To Build Telemedicine Apps Like Practo/ZocDoc?

The cost to develop a health care app depends on various factors. The list of factors can be the operating system you choose, technology you prefer, the features you decide to include in your app, etc. Based on the requirements, you can hire a telemedicine app development team. This team will basically include:

Telemedicine app designer — To take care of UX/UI designs. Choose someone with an exceptional portfolio, and you can be assured of high returns. Usually, the good ones charge at least

Telemedicine app developers — Both, front-end and back-end, who have experience in building iOS/Android/Cross-platform applications- For a mobile application backed by a web portal, the back-end development process becomes complex and therefore may cost more around

Telemedicine app testers — To run tests to ensure the end-product is glitch-free. The average hourly rate to hire app testers is at least

Then you will also need a project manager who coordinates the whole process with you. The next factor to consider while charting out cost estimation is the technology stack. For each of the features, you need to select a technology stack diligently. For example, you can either choose IBM, Apache Flink, Spark, Cisco, or Hadoop for real-time analytics. For secure payment, you can choose either Stripe, Paypal, etc. The more advanced the technology stack, the more it will cost. An iOS app may cost around $200 to host on the App store. Also, the cost to host an app in Android’s Play Store is a mere 25$.

Not to forget, the cost will also depend on from where you hire the application development team. This is because the hourly rates for application development companies vary geographically.

For example, if you hire a company in the Asia region, the hourly charges for app development are around $40 to 60$, while the same for a US company is $150- $250. Hence, the average cost of telemedicine app development can be around considering MVP development. However, it can vary based on the features, functionality and a lot more things. And this might go up to USD 100,000.

Worried for the cost? Well, this can be resolved by hiring a proficient telemedicine app development company. Code Brew can help you launch your own telemedicine app like Practo without spending a fortune. Want to know how? Let’s connect now!

ALSO ON CODE BREW

Originally published at https://www.code-brew.com.

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