#Credit Insurance Market Share

[themarketinsights]

Credit Insurance Market to see Booming Business Sentiments | Atradius, Credendo Group, Equinox, Zurich Insurance Group

Latest Study on Industrial Growth of Credit Insurance Market 2022-2027. A detailed study accumulated to offer Latest insights about acute features of the Credit Insurance market. The report contains different market predictions related to revenue size, production, CAGR, Consumption, gross margin, price, and other substantial factors. While emphasizing the key driving and restraining forces for this market, the report also offers a complete study of the future trends and developments of the market. It also examines the role of the leading market players involved in the industry including their corporate overview, financial summary and SWOT analysis.

Major players profiled in the study are:

Zurich Insurance Group Ltd (Switzerland),  AIG (United States),  Chubb (United States), Euler Hermes (France),  Atradius (Netherlands),  Coface (France), Credendo Group (Belgium),  QBE Insurance Group Ltd. (Australia),  Cesce (Spain),  Equinox (United States),

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Scope of the Report of Credit Insurance

Credit insurance is an insurance policy and a risk management product offered by private insurance companies and governmental export credit agencies to business entities wishing to protect their accounts receivable from loss due to credit risks such as protracted default, insolvency or bankruptcy. Credit insurance product is a type of property and casualty insurance. Credit insurance is an insurance policy bought by a borrower that pays off one or more existing debts in the event of a disability, or in rare cases, death, and unemployment. It is marketed most frequently as a credit card feature, with the monthly cost charging a low percentage of the card’s unpaid balance. Credit insurance is considered as one way to decrease this risk. Also, it is the overlying field of covering exporters against the risk they will not be paid for a range of reasons including political upheaval or simply default.

The Global Credit Insurance Market segments and Market Data Break Down are illuminated below:

by Application (Domestic Trade, Export Trade), Organization Size (Small & Medium Enterprise, Large Enterprise), Component (Product (Buyer: Turnover below EUR 5 Million, Buyer: Turnover above EUR 5 Million), Services), Insurance Type (Credit Life Insurance, Credit Disability Insurance, Credit Unemployment Insurance)

Market Opportunities:

Emergences of Credit Insurance Companies in Developing Countries

Market Is Penetrating At a Higher Growth Rate in Developing Regions Due To the Growing Export Business in the Regions

Market Drivers:

High Adoption due to Unbalanced Macro-Economic Factors

Growing Demand due to Improving Sales and Accounts Receivable Support Benefits

Market Trend:

Rising Attraction towards Simplified Insurance Claiming Procedures

Integration of Technology of Credit Insurance

What can be explored with the Credit Insurance Market Study?

Gain Market Understanding

Identify Growth Opportunities

Analyze and Measure the Global Credit Insurance Market by Identifying Investment across various Industry Verticals

Understand the Trends that will drive Future Changes in Credit Insurance

Understand the Competitive Scenarios

Track Right Markets

Identify the Right Verticals

Region Included are: North America, Europe, Asia Pacific, Oceania, South America, Middle East & Africa

Country Level Break-Up: United States, Canada, Mexico, Brazil, Argentina, Colombia, Chile, South Africa, Nigeria, Tunisia, Morocco, Germany, United Kingdom (UK), the Netherlands, Spain, Italy, Belgium, Austria, Turkey, Russia, France, Poland, Israel, United Arab Emirates, Qatar, Saudi Arabia, China, Japan, Taiwan, South Korea, Singapore, India, Australia and New Zealand etc.

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Strategic Points Covered in Table of Content of Global Credit Insurance Market:

Chapter 1: Introduction, market driving force product Objective of Study and Research Scope the Credit Insurance market

Chapter 2: Exclusive Summary – the basic information of the Credit Insurance Market.

Chapter 3: Displaying the Market Dynamics- Drivers, Trends and Challenges & Opportunities of the Credit Insurance

Chapter 4: Presenting the Credit Insurance Market Factor Analysis, Porters Five Forces, Supply/Value Chain, PESTEL analysis, Market Entropy, Patent/Trademark Analysis.

Chapter 5: Displaying the by Type, End User and Region/Country 2016-2021

Chapter 6: Evaluating the leading manufacturers of the Credit Insurance market which consists of its Competitive Landscape, Peer Group Analysis, BCG Matrix & Company Profile

Chapter 7: To evaluate the market by segments, by countries and by Manufacturers/Company with revenue share and sales by key countries in these various regions (2022-2027)

Chapter 8 & 9: Displaying the Appendix, Methodology and Data Source

Finally, Credit Insurance Market is a valuable source of guidance for individuals and companies.

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New Jersey USA – 08837

[sourcreammachine]

GREEN PARTY MANIFESTO 2024 SUMMARY

tldr: there's a feeling of tension in this manifesto, between youthful zennial climatic ecosocialism and old-guard hippy-liberal environmentalism. this year the greens may well go from 1 MP to the dizzying heights of 2 (there's whispers on the wind that they may even get 3...), and the green council delegation is at 800-odd now, so this could easily be a changing-of-the-guard moment

with the great Berry and the ok Denyer in parliament the party could have more momentum in battling the starmerite government, and with that, it has the ability, the possibility to pick up more momentum. this is a big opportunity in the party's history - over the next five years it can and could be pushed into a holistic ecosocialist movement by the centrally influential mass party membership, and remove the last dregs of its tunnel vision to provide a lefty movement for everyone, green and pink, a Newfoundland coalition. with votes at 16 on the cards and this potential evolution of the party, 2029 could be a big moment for this country's left. whether or not the greens play the role of keystone is up to them

it is also the only manifesto to use the term 'neurodivergent'

💷ECONOMY

wealth tax of 1% on individuals with assets over §10m and 2% for assets over §1b (an extremely humble proposal), reform capital gains and investment dividend taxation to be at the same rates as income taxation, remove the income-based bands on national insurance contributions, ie raising total income taxation by 8% at §50k/a, – altogether raising government revenues by upwards of §70b/a

stratify VAT to reduce it for consumer stuff and hike it for stuff like financial services

permanent windfall tax on banks for whenever they get windfalls

perform a holistic land survey to get the data needed for a new, effective Land Tax

abolish the tax relief on existing freeports and SEZs

heavy carbon tax to raise a boatload of billions, rising progressively over a decade to allow industrial adaptation, for a ~§80b state windfall for five years that'll be for green investment as this windfall starts to recede

renationalise water and energy

§15 minimum wage, 10:1 pay ratio for all organisations public and private (ie §150 sort-of maximum wage, ~§300k/a), mandatory equal pay audits, 'support' lower hours and four-day weeks [clarification needed]

unambiguously define gig workers as workers with contract rights from day one, repeat offenders of gig-slavery will be banned from operating in the country

every City bank required to produce a strategy with a clear pathway to divestment of all fossil fuels "as soon as possible and at least by 2030", every City non-banking organisation simply to be banned from having fossil fuel in their portfolios, credit to be banned for repeat City climate offenders, mandate the BoE to fulfil the funding of the climate transition and climate leadership of the City, FCA to develop measures to ban fossil fuel share trading in the City and immediately prohibit all new shares in fossil fuels

"we will explore legal ways for companies to be transformed into mutual organisations"😈

develop regional cooperative banks to invest in regional SMEs, coops and community enterprises

diversify crop growth, promote local agricultural cooperatives and peripheral urban horticultural farms, give farmers a sort of collective bargain against grocers

aim towards a circular economy: require ten-year warranties on white goods, rollout of right-to-repair

tighten monopoly laws on media with a hard cap preventing >20% of a media market being owned by one individual or company and implement Leveson 2

🏥PUBLIC SERVICES

abolish tuition fees and cancel standing debt

surge nhs funding by §30B, triple labour's spending plans for everything, the entire budget, the entire state, everything

free personal care, with occupational therapy being part of this

35h/w free child care (eg seven hours over five days, or seven days of five hours)

renationalise many academies under local authorities, abolish the "charity" status of private schools and charge VAT

surge funding for smoking-cessation, addiction support and sexual health service

surge funding for public dentistry with free care for children and low-earners

free school breakfasts in primary school and free school lunches for all schools

one-month guarantee of access to mental health therapies

online access to PrEP

let school playing fields be used in the evenings by local sports clubs

greater funding for civic sports facilities and pools

🏠HOUSING

unambiguously-under-the-law nationalise the crown estate for an absolute fuckton of land and assets for housing and for green energy and rewilding for FREE

rent control for local authorities, ban no-fault evictions and introduce long-term leases, create private tenancy boards of tenants

local authorities to have right of first refusal on the purchase of certain properties at aggressive rates, such as unoccupied or uninsulated buildings

all new homes to be Passivhaus standard with mandatory solar panels and heat pumps

§30B across five years to insulate homes, §12B of which is for social homes, and §9B more for heat pumps, and §7B more for summer cooling

planning law reform: council planning mechanisms to priorities little developments all over the place rather than sprawling blobs, demolitions to require as thorough a planning application as erections, new developments required to not be car dependent

planning laws to require large-scale developments feature access to key community infrastructures such as transport, health and education, often mandating the construction of new key infrastructures, support nightlife and local culture in planning regulations

exempt pubs and local cultural events from VAT

building materials to be reusable, builders' waste rates to be surged to encourage use of reuse

750k new social homes in five years

🚄TRANSPORT

'a bus service to every village', restore local authority control and/or ownership of their busses

renationalise rail via franchise-concession lapsing, slowly assume ownership of the rolling stock (currently leased, and would continue to be so under labour's implementation of renationalisation) by buying a new train when the stock needs to be replaced

electrification agenda across the rail network, strategic approach to rail line and station reopenings

bring forward (sorta, the tories suspended it but labour says they'll reinstate it) the new petrol car ban from 2030 to 2027, existing petrol cars targeted to be off the road by 2034, investigate road-price charges as a replacement for petrol tax, hike road tax proportionally to vehicle weight, drop urban speed limits from 50kph to 30kph (or from 30mph to 20mph if you only speak Wrong), mass funding for freightrail and support logistics firms transitioning away from lorries

§2.5b/a for footpaths and cycleways, target of 50% of urban journeys to be extravehicular by 2030

frequent-flyer levy, ban on domestic flights within three-hour rail distance, remove the exemption of airline fuel from fuel tax, prioritise training of airline workers into other transportational jobs

👮FORCE

abolish the home office, transfer its police/security portfolio to the justice ministry and its citizenship/migration portfolio to a new migration ministry separate from the criminal justice system

abolish the kill the bill bill and restore the right to protest

recognise palestine, push for immediate ceasefire and prosecution of war crimes, back the south africa case, "[support] an urgent international effort to end the illegal occupation of palestinian land"

grant asylum-seekers the right to work before their application is granted

end the hostile environment

abolish Prevent

end routine stop-and-search and facial recognition

commission to reform 'counterproductive' drug regime, decriminalise personal possession

amend the Online Safety Act to "[protect] political debate from being manipulated by falsehoods, fakes and half-truths", ie actually protecting 'fReE sPeEcH' and not everything that rightists imply by that phrase

decriminalise sex work

reform laws to give artists IP protections against ai

cancel trident and disarm

push for nato reforms (in its and our interest, they're not russophiles, they're not galloway, it's ok): get it to adopt a no-first-use nuclear policy, get it to prioritise diplomatic action first rather than military reaction, get it to adopt a stronger line on only acting for the defence of its member states

right to roam🚶‍♂️

🌱CLIMATE

zero-carbon by 2040, rather than the ephemeral ostensible government target of 2050

stop all new oil/gas licenses, end all subsidy for oil/gas industries, regulate biofuels to end greenwashing, end subsidies for biomass

decarbonise energy by 2030, minimum threshold of energy infrastructures to be community owned, "end the de facto ban on onshore wind" with planning reform

massively expand the connections between the insular grid and the UCTE continental grid to increase electricity import and export and prevent the need for energy autarky

more targeted bans on single-use plastics

"give nature a legal personhood" ok grandma let’s get you to bed

§2b/a to local authorities for local small-business decarbonisation

"cease development of new nuclear power stations, as nuclear energy is much more expensive and slower to develop than renewables. we are clear that nuclear is a distraction from developing renewable energy and the risk to nuclear power stations from extreme climate events is rising fast. nuclear power stations carry an unacceptable risk for the communities living close to facilities and create unmanageable quantities of radioactive waste. they are also inextricably linked with the production of nuclear weapons. green MPs will campaign to phase out existing nuclear power stations." because some people just can't let go of the seventies. nuclear is good. nuclear is our friend

invest in r&d to find solutions to decarbonise 'residual' carbon in the economy, such as HGVs or mobile machinery

increase unharvested woodland by 50% (no time frame given), grants to farmers for scrub rewilding, rewet Pete Boggs, make 30% of the EEZ protected waters and ban bottom trawling

§4b/a in skills training to stop gas communities getting Thatchered, prioritising shifting these workers into offshore wind

a.. licensing scheme for all pet animals? you guys sure about that one

regulate animal farming with a goal of banning factory farms, ban mass routine antibiotics, ban cages/close confinement and animal mutilation

ban all hunting including coursing and "game", ban snaring, ban hunt-landscaping such as grouse moors, end the badger cull, mandate licensing of all animal workers with lifetime striking off for cruelty convictions, compulsory hedgehog holes in new fencing, 'push' for 'ending' horse and dog racing [clarification needed], new criminal offences for stealing and harming pets, 'work towards' banning animal testing

🗳️DEMOCRACY

proportional representation for parliament and all councils

abolish voter ID

votes at sixteen

votes for all visa'd migrants

restore the electoral commission's prosecutory powers and remove the cap on fines it can impose on parties

increase Short Money, especially for smaller parties

create a manifest legal category of organisation for think tanks, to allow better enforcement of lobbying and funding restrictions

consider fun new measures for political accessibility such as MP jobsharing and allowing public provision of offices for all parliamentary candidates

🎲OTHER STUFF

Self-ID including nonbinary recognition, including with an X passport marker

"work towards rejoining the eu as soon as the domestic political situation is favourable", join the eea now (with restored free movement)

let local authorities invest shares in sports teams, including professional ones, dividends ringfenced for public sports facilities and coaching

right to die

[riyagupta0472]

Finding Your Investment Path: A Simple Guide

In the vast ocean of financial opportunities, finding the right investment scheme can feel like searching for a needle in a haystack. Every individual's financial goal, risk tolerance, and investment horizon are unique, making it crucial to navigate through the diffrent of options available in the market. From fixed income to equity and everything in between, understanding the various investment schemes is key to building a robust and diversified portfolio tailored to your needs.

Fixed Income: Let's begin with the fundamentals. Your investment portfolio's fixed income investments are similar to the consistent beat of a drum. The traditional examples are bonds and certificates of deposit (CDs). They are the best option for people looking for stability because they provide predictable returns at a lower risk. And you can earn average 8-10% return. Managed Portfolios: Do you like someone else to do the grunt work? You may want to consider managed portfolios. These expertly managed funds provide a hands-off approach to investing, catered to your financial objectives and risk tolerance.

Insurance: Although the main goal of insurance is to provide protection, several plans also include investment options. For example, life insurance policies give you coverage and the opportunity to gradually build up cash value; for the astute investor, this is a two-for-one offer. Derivatives: At this point, things become a little more intricate. The value of derivatives is derived from underlying securities or indexes. This group includes swaps, futures, and options. They can be employed speculatively or for hedging, but they're not for the timid. but do not invest in derivatives until and unless you are expert in this field.

Credit Instruments: Now let's talk about credit instruments, which include peer-to-peer lending websites and corporate bonds. With the range of risk and return potential offered by these products, you can tailor your portfolio to your degree of risk tolerance. Equities: Ah, the stock market, the global investor community's playground. Purchasing stock entails obtaining ownership of shares in publicly traded corporations. It's all about dividends and growth potential, but be prepared for market turbulence. Keep it straightforward: align your investments with your time horizon, risk appetite, and goals. To distribute the risk, diversify between several programs. And keep up with market developments at all times. Recall that there isn't a single, universal strategy for investing. Discover what works for you and get to work accumulating wealth!

[dubairealestate24]

Common Mistakes to Avoid When Applying for a Home Loan in UAE

Applying for a home loan in the UAE can be a complex process, and avoiding common mistakes can help you secure the best terms and conditions. This guide highlights common pitfalls to avoid when applying for a home loan in the UAE.

Understanding Home Loans

Home loans, or mortgages, come in various forms, including fixed-rate, variable-rate, and Islamic mortgages. Each type has its benefits and considerations.

Fixed-Rate Mortgages: These loans have a fixed interest rate for a specified period, providing stability in monthly payments.

Variable-Rate Mortgages: The interest rate fluctuates based on market conditions, which can lead to lower initial rates but potential increases over time.

Islamic Mortgages: Compliant with Sharia law, these mortgages involve profit-sharing rather than interest payments.

For detailed information on home loans, visit home loan dubai.

Common Mistakes to Avoid

Not Shopping Around: Failing to compare different lenders and loan products can result in higher costs and less favorable terms.

Overlooking Fees: Be aware of all fees and charges associated with the loan to avoid unexpected expenses.

Ignoring Pre-Approval: Getting pre-approved helps streamline the home search and strengthens your bargaining position.

Taking on New Debt: Avoid taking on new debt during the loan process, as it can affect your financial profile and loan approval.

Not Understanding Loan Terms: Ensure you understand all terms and conditions of the loan, including interest rates, repayment terms, and early repayment penalties.

For property purchases, explore Buy Luxury Property in UAE.

Steps to Securing a Home Loan

Assess Your Financial Situation: Begin by evaluating your financial health. Calculate your income, expenses, and savings to determine how much you can afford.

Improve Your Credit Score: A high credit score improves your chances of loan approval and favorable terms.

Save for a Down Payment: Aim for at least 20% of the property's value to reduce mortgage insurance costs and improve loan terms.

Compare Loan Options: Different lenders offer various products. Compare rates, terms, and conditions.

Get Pre-Approved: Pre-approval provides an estimate of how much you can borrow, making the home search more focused and efficient.

Submit Your Application: Complete the mortgage application, providing necessary documents such as proof of income, credit history, and property details.

Loan Approval and Offer: Once approved, the lender will present an offer detailing the loan amount, interest rate, and repayment terms.

Finalizing the Purchase: After accepting the offer, work with your lender to finalize the purchase. Ensure all legal and financial aspects are in order.

For rental options, visit Apartments For Rent in Dubai.

Tips for a Smooth Home Loan Process

Maintain a Good Credit Score: A high credit score improves your chances of loan approval and favorable terms.

Avoid New Debt: Refrain from taking on new debt during the loan process to maintain your financial profile.

Consult with a Mortgage Advisor: Professional advice can help you navigate the complexities of securing a home loan.

Understand Fees and Charges: Be aware of all fees and charges associated with the loan, including processing fees, valuation fees, and early repayment penalties.

For luxury properties, explore Luxury Properties For Sale in Dubai.

Legal and Regulatory Considerations

The UAE has specific regulations governing mortgages. Ensure compliance with all legal requirements, including property registration and transfer fees.

Dubai Land Department (DLD): The DLD oversees property transactions. Ensure all documents are registered with the DLD.

No Objection Certificate (NOC): If buying from a developer, obtain an NOC confirming no outstanding payments or disputes.

Conclusion

Avoiding common mistakes when applying for a home loan in the UAE can help you secure the best terms and conditions. By following the tips outlined in this guide, you can navigate the process efficiently and achieve your homeownership goals. For more resources and expert advice, visit home loan dubai.

[dkaufmandevelopment]

Blackstone Surges to Record High: A Closer Look at Their Impressive Q3 Results

Blackstone, the world's largest commercial property owner, achieved a remarkable milestone on Thursday as its shares surged to a record high. This impressive performance comes on the heels of better-than-expected third-quarter results and an improved real estate investment performance. Let’s dive into the factors driving this success and what it means for the market.

Key Highlights from Q3

In the third quarter, Blackstone invested or committed a staggering $54 billion, marking the highest amount in over two years. This surge in investment activity is attributed to the Federal Reserve’s recent rate cut in September, which significantly reduced the cost of capital. The U.S. central bank’s previous rate hikes had stymied real estate deals and financing, leading to increased defaults in the office market affected by corporate cost-cutting and the rise of hybrid and remote work.

Stephen Schwarzman, Blackstone’s Chief Executive, emphasized the positive impact of the rate cut, stating, “Easing the cost of the capital will be very positive for Blackstone’s asset values. It will be a catalyst for transaction activity.” This sentiment was echoed by Jonathan Gray, President and Chief Operating Officer, who noted that while commercial real estate sentiment is improving, it remains cautious.

Strategic Investments and Areas of Focus

Blackstone has been proactive in planting the “seeds of future value” by substantially increasing its pace of investment. A key area of focus is the revolutionary advancements in artificial intelligence (AI) and the associated digital and energy infrastructure. In September, Blackstone announced the $16 billion purchase of AirTrunk, the largest data center operator in the Asia-Pacific region. This acquisition is part of Blackstone’s $70 billion investment in data centers, with over $100 billion in prospective pipeline development.

Other notable investment themes include renewable energy transition, private credit, and India’s emergence as a major economy. These strategic areas highlight Blackstone’s commitment to innovation and growth.

Recovery in Commercial Real Estate

The Blackstone Real Estate Income Trust (BREIT), a benchmark for the industry, reported a 93% slump in investor stock redemption requests from a peak. This indicates a recovery in investor confidence and a shift towards positive net inflows of capital. BREIT’s core-plus real estate investments, which include stable, income-generating, high-quality real estate, showed a 0.5% decline in Q3 performance, an improvement from a 3.8% drop over the past 12 months. The riskier opportunistic real estate investments posted a 1.1% increase, reversing previous declines.

Student Housing and Data Centers

Among rental housing, student housing has emerged as a significant focus. Wesley LePatner, set to become BREIT CEO on Jan. 1, highlighted the structural undersupply in the U.S. student housing market, emphasizing its potential as an all-weather asset class. BREIT has consistently met investor redemption requests for several months, showcasing strong performance.

Furthermore, the demand for data centers remains robust. QTS, which Blackstone took private in 2021, recorded more leasing activity last year than the preceding three years combined. Such sectors, once considered niche, are now integral to the commercial real estate landscape.

Financial Performance and Outlook

Blackstone’s third-quarter net income soared to approximately $1.56 billion, up from $920.7 million a year earlier. Distributable earnings, profit available to shareholders, rose to $1.28 billion from $1.21 billion. Total assets under management jumped 10% to about $1.11 trillion, driven by inflows to its credit and insurance segment.

The Path Forward

As Blackstone continues to navigate the evolving market landscape, it remains focused on identifying “interesting places to deploy capital.” With a robust investment strategy and a keen eye on emerging trends, Blackstone is well-positioned for future growth.

Join the Conversation: What are your thoughts on Blackstone’s impressive Q3 performance and strategic investments? How do you see these trends impacting the broader real estate market? Share your insights and engage with our community!

[mostlysignssomeportents]

SVB bailouts for everyone - except affordable housing projects

For the apologists, the SVB bailout was merely prudent: a bunch of innocent bystanders stood in harm’s way — from the rank-and-file employees at startups to the scholarship kids at elite private schools that trusted their endowment to Silicon Valley Bank — and so the government made an exception, improvising measures that made everyone whole without costing the public a dime. What’s not to like?

If you’d like an essay-formatted version of this post to read or share, here’s a link to it on pluralistic.net, my surveillance-free, ad-free, tracker-free blog:

https://pluralistic.net/2023/04/15/socialism-for-the-rich/#rugged-individualism-for-the-poor

But that account doesn’t hold up to even the most cursory scrutiny. Everything about it is untrue. Take the idea that this wasn’t a “bailout” because it was the depositors who got rescued, not the shareholders. That’s just factually untrue: guess where the shareholders kept their money? That’s right, SVB. The shareholders of SVB will get billions in public money thanks to the bailout. Billions:

https://pluralistic.net/2023/03/18/2-billion-here-2-billion-there/#socialism-for-the-rich

But is it really public money? After all, the FDIC payouts come from a pool of funds raised from all of America’s banks. The billions the public put into SVB will be recouped through hikes on the premiums paid by every bank. Well, sure — but who do you think the banks are going to gouge to cover those additional expenses? Hint: it’s not going to be the millionaires who get white-glove treatment and below-cost loans. It’ll be the working people whom the banks steal billions from every year in overdraft fees — 78% of these are paid by 9.2% of customers, the very poorest, and they amortize to a 3,500% loan:

https://pluralistic.net/2021/04/22/ihor-kolomoisky/#usurers

As Adam Levitin put it on Credit Slips:

They will pass those premiums through to customers because the market for banking services is less competitive than the market for capital. In particular, the higher costs for increased insurance premiums are likely to flow to the least price-sensitive and most “sticky” customers: less wealthy individuals. So average Joes are going to be facing things like higher account fees or lower APYs, without gaining any benefit. Instead, the benefit of removing the cap would flow entirely to wealthy individuals and businesses. This is one massive, regressive cross-subsidy. It’s not determinative of whether raising the cap is the right policy move in the end, but this is something that should be considered.

https://www.creditslips.org/creditslips/2023/03/the-regressive-cross-subsidy-of-uncapping-deposit-insurance.html

The SVB apologists display the most curious and bizarre imaginative leaps…and imaginative failings. For them, imagining that regulators will just wing it to the tune of hundreds of billions in public money is simplicity itself. Meanwhile, imagining that those same regulators would say, “Not one penny unless every shareholder agrees to sign away their deposits” is literally impossible.

This bizarrely inconstant imagination carries over into all of the claims used to justify the SVB bailout — like, say, the claim that if SVB wasn’t bailed out, everyone would pile into too big to fail banks like Jpmorgan. This is undoubtably true — unless (and hear me out here!), regulators were to use this failure as a launchpad for public banks, and breakups of Jpmorgan, Wells Fargo, Citi, et al.

This is a very weird imaginative failure. America operated public banks. It had broken up too big to fail banks. These weren’t the deeds of a fallen civilization whose techniques were lost to the mists of time. There are literally people alive today who were around when America operated nationwide public banks — a practice that only ended in 1966! We’re not talking about recovering the lost praxis of the druids who built Stonehenge without power-tools, here.

The most telling imaginative failure of SVB apologists, though, is this: they think that people are angry that the government saved the janitors at startups and the scholarship kids at private schools, and can’t imagine that people are angry that America didn’t save anyone else. If you’re a low-income student at an elite private school, there’s billions on hand to save you — but not because the government gives a damn about you — saving you is a side effect of saving all the rich kids you go to school with.

Likewise, the startup janitors aren’t the target of the bailout — they’re overspill from the billions mobilized to rescue the personal fortunes of tech billionaires who supply VCs’ investment capital. If there was a way to bail out the startups without bailing out the janitors, that’s exactly what would happen.

How do I know this? Well, first of all, the “investors” who demanded — and received — a bailout are on record as hating workers and wanting to fire as many of them as possible. As one of the loudest voices for the bailout said of Twitter employees, in a private message to Elon Musk following the takeover: “Day zero: Sharpen your blades boys 🔪”:

https://pluralistic.net/2023/03/21/tech-workers/#sharpen-your-blades-boys

But there’s even better evidence that the bailout’s intended target was wealthy, powerful people, and every chance to carve out working people was seized upon. When regulators engineered the sale of SVB to First Citizens Bank, they did not require First Citizens to honor SVB’s community development obligations, killing thousands of affordable housing units that had been previously greenlit:

https://calreinvest.org/wp-content/uploads/2021/05/Community-Benefits-Plan-SVB-CRC-GLI.pdf

Tens of thousands of people wrote to regulators, urging them to transfer SVB’s Community Benefits Plan obligation to First Citizens:

https://www.dailykos.com/campaigns/petitions/sign-the-petition-save-affordable-housing-keep-the-promises-silicon-valley-bank-made

As did Rep Maxine Waters, the ranking member of the House Financial Services Committee:

https://democrats-financialservices.house.gov/uploadedfiles/318_cwm_ltr_fdic.pdf

But First Citizens — a bank whose slot in America’s top-20 banks was secured through a string of exceptions, exemptions and waivers — was not required to take on SVB’s obligations to carry out loans to build thousands of affordable housing units in the Bay Area and Boston, including a 112-unit building for people with disabilities planned for a plum spot across from San Francisco City Hall:

https://www.levernews.com/regulators-stiffed-low-income-communities-in-silicon-valley-bank-bailout/

All those people who wanted SVB’s community development obligations to carry forward vastly outnumbered the people calling for billionaires portfolio companies to be saved — but they merely spoke on behalf of people who sought the most basic of human rights — shelter. No one listened to them. Instead, it was the hyperventilating all-caps “investors” who spent SVB’s no-good weekend shouting on Twitter about the fall of civilization who got what they wanted, with a bow on top, and a glass of publicly funded warm milk before bed.

The US finance sector is reckless to the point of being criminally negligent. It constitutes an existential risk to the nation. And yet, every time it gets into trouble, regulators are able to imagine anything and everything to shift their risks to the public’s shoulders.

Meanwhile, everyday people are frozen out. School lunches? Unaffordable. Student debt cancellation? Inconceivable. Help for the hundreds of thousands of NYC schoolchildren whose schools are facing a $469m hack-and-slash attack? That’s clearly impossible:

https://council.nyc.gov/joseph-borelli/2022/09/06/nyc-council-calls-for-mayor-adams-doe-to-fully-restore-469m-in-school-funding/

When it comes to helping everyday people, American elites and their captured champions in the US government have minds that are so rigid and inflexible that it’s a wonder they can even dress themselves. But when the fortunes and wellbeing of the wealthy and powerful are on the line, their minds are so open that some of their brains actually leak out of their ears and nostrils:

https://pluralistic.net/2023/03/15/mon-dieu-les-guillotines/#ceci-nes-pas-une-bailout

Every bank merger is supposed to come with a “public interest analysis.” But these analyses are “perfunctory.” They needn’t be:

https://openyls.law.yale.edu/bitstream/handle/20.500.13051/8305/Kress_Article._Publication__1_.pdf

First Citizens got a hell of a bargain: it paid zero dollars for SVB’s assets, its deposits and its loans. Any losses it incurs from its commercial loans over the next five years will be paid by the FDIC, no questions asked. The inability of regulators to convince First Citizens to assume SVB’s community obligations along with those billions in public largesse speaks volumes.

Meanwhile, SVB’s shareholders continue to claim that their headquarters are a relatively unimportant office in Manhattan, and not their glittering, massive corporate offices in San Jose, as part of their bid to shift their bankruptcy proceeding to the Southern District of New York, where corporate criminals like the Sackler opioid family have found such a warm reception that they were able to escape “bankruptcy” with billions in the bank, while their victims were left in the cold:

https://pluralistic.net/2023/03/18/2-billion-here-2-billion-there/#socialism-for-the-rich

Contrary to what SVB’s apologists think, the case against them isn’t driven by spite — it’s driven by fury. America’s “socialism for the rich, rugged individualism for the poor” has been with us for generations, but rarely is it so plain as it is in this case.

There’s only two days left in the Kickstarter campaign for the audiobook of my next novel, a post-cyberpunk anti-finance finance thriller about Silicon Valley scams called Red Team Blues. Amazon’s Audible refuses to carry my audiobooks because they’re DRM free, but crowdfunding makes them possible.

[Image ID: A glass-and-steel, high-tech office building. Atop it is a cartoon figure of Humpty Dumpty, whose fall has been arrested by masses of top-hatted financiers, who hold fast to a rope that keeps him in place. At the foot of the office tower is heaped rubble. On top of the rubble is another Humpty Dumpty figure, this one shattered and dripping yolk. Protruding from the rubble are modest multi-family housing units.]

Image:

Lydia (modified) https://commons.wikimedia.org/wiki/File:Vicroft_Court_Starley_Housing_Co-operative_%282996695836%29.jpg

Oatsy40 (modified) https://www.flickr.com/photos/oatsy40/21647688003

Håkan Dahlström (modified) https://www.flickr.com/photos/93755244@N00/4140459965

CC BY 2.0 https://creativecommons.org/licenses/by/2.0/deed.en

[gatekeeper-watchman]

Our National Healthcare

          I have discussed this subject before; but, especially in light of current events, I would like to discuss it again today–perhaps, even more candidly. I’ll be honest with you. If I were a member of Congress when the Patient Protection and Affordable Care Act (PPACA), aka Obama Care, was passed, I would be angry with rejectionists like the illustrious Kentucky Colonel, Mitch McConnell. That I would have voted for that bill without hesitation. Even though, however, I was, in all honesty, really not in favor of it. I say to you, as I have said to others, the law is an exercise in masturbation. I told my friends then; and, I also, wrote President Obama, telling him that, too (He, eventually, thanked me for my letter but didn’t mention the subject of healthcare). Today, four years later, I feel even more negative toward it. This law has good intentions, but it fails the people of this country. I see a train wreck coming. It is coming, and it’s going to hit hard. When it does, the American people are going to be mad as a swarm of bees. Mark my words. Don’t forget I said it, Mister Politician.

It is anything but affordable for the masses of the people; it is confusing, bordering on being unintelligible to most; and it is so complicated and expensive, that it could drive all of us, people, and government into bankruptcy.   In tackling our problem of healthcare, President Obama made the same mistake as President Clinton; in his effort to be conciliatory and bipartisan with the Republican Party, he invited the major stakeholders in the medical-industrial complex to the negotiating table, assuming that consensus there would bring reform. Who are those stakeholders? They are the pharmaceutical, hospital, physician, and insurance industries–the primary focus of all of them being profits, with the interests of the people being last on their list. They not only fought the administration on this, they fought within against themselves. I ask you. Who ever heard of the customer or client coming in first on the list of any insurance company? Really!

          I submit to you that healthcare is not a commodity like oil, sugar, pork bellies, credit default swaps, housing, automobiles, and so on. Healthcare is not adaptable to or compatible with the free market (a myth at best) in any way, shape, or form. Who besides the most skilled can intelligently evaluate an insurance policy; who but the most skilled physicians can evaluate the abilities of a doctor; when you need to go to the hospital, how often is it you who has the decisive choice as to where to go; and, lastly, who of you is able and has the expertise to knowledgeably determine the proper drugs you should take when you are ill? I am certainly not qualified and neither are almost all of us.

Healthcare is a need of all of us–a need we share in common. Accordingly, it should be governed in common. Healthcare is our RIGHT. How do I justify that? It is stated as such in our Declaration of Independence. We all have the right to life, liberty, and the pursuit of happiness. We should be allowed to have and enjoy that right. We need a system that will work, one we can afford, and one for which we can pay (Surely no one thinks it can be free). We need a single-payer, national healthcare system modeled after Medicare with, like the VA, the ability to negotiate prices.  

Immediately! I hear someone cry socialism. In this individual instance, why should you care if it works? As one person once said, “It doesn’t matter if the cat is white or the cat is black. The cat we want is the one that catches Mice” (or something like that). A single-payer healthcare system will catch mice. If we were talking about the whole country going socialist, we would need, I would think, to sit down and have a long talk about the matter–a very long talk. In this instance, however, no one is even thinking about that. We already know socialism has failed as a whole, so this isn’t even the subject of the matter. We need a system that works for us.

Let me tell you about that word, socialism. The word socialism is inflammatory; used, primarily, to arouse and anger people to influence their minds in one direction or another. To most people, it is something bad, from which one will turn away with rejection. We hear it every day from those who don’t believe in government, usually some form of anarchists. It usually comes from those who want to control your mind and lead you in the direction they want you to go. Do you need that kind of person?

I want to call your attention to a fact of the matter. When Medicare was made into law in the 1960s, it was up and running in a year. The Patient Protection and Affordable Care Act (PPACA) was passed four years ago and still is not working, some provisions of which are being moved back even now, as we speak. Medicare, on the other hand, has been in effect for over forty years and working just fine even now. How about that? Our illustrious politicians haven’t been willing to even so much as give single-payer national healthcare a national hearing for consideration. Is that Democracy?

How should we pay for such a plan? I have given a lot of thought to the matter and changed my mind from when I first wrote about “single payer”. Please allow me to bring another issue into the picture, Social Security. This safety net, also, is moving forward to the day when our government allows it to become a national crisis. Social Security, to the best of my knowledge, is one of the most efficient, well-run programs, with the lowest costs of administration of any other government program. A big reason for this success is that the fund is “stand-alone”, “self-funding”, and not included in our general budget. In this way, it is highly controlled and does not affect our national deficit. Our biggest problem with financing this program is, in my mind, five-fold, the recession in our economy, the retirement of our “baby boom” generation, and our massive unemployment (Whereas, in the past we had more people paying than those receiving benefits, we now have less paying in–I am told only three paying in now for twelve receiving.), the aging of our people, and increasing disabled coming onto the rolls. Payments into this fund have to be increased, and cutting benefits and cost of living adjustments is unacceptable. Having said that, raising payroll taxes on employers and employees (the money is going to have to come from somewhere) will create additional hardship and political tensions no one needs or can stand just now.

Let’s now get back to the question (or issue) of single-payer healthcare. It, too, must be financed. Again, it’s not free. It will be expensive, but it will be a lot less expensive than Obamacare–a lot less. I might, also, call your attention to the fact we are not feeling the full pain of even our current healthcare expenses, as exaggerated as they are. We are paying for a lot of them “on the cuff”–it’s in our deficit. But I digress. We should administer single-payer healthcare in the same manner as we do Social Security, with a stand-alone fund into which go all receipts and out of which go all disbursements. In no way should the accounting for healthcare be mingled with the accounting for government. In no way should healthcare funding be allowed to affect our deficit. Tax rates for payments into both the healthcare and the Social Security funds should be automatically adjusted annually for any expense overruns or surpluses. So I am not confused, in no way should our stand-alone healthcare fund be co-mingled with our Social Security fund. The accounting for both must be kept completely separate and open to the public.

Now, let’s get to the question for which you have been so patiently waiting (if we have come this far and you are still with me, you must be patient). How should we pay for this? I believe we should create two separate and apart national Federal Sales Taxes, a separate sales tax for each fund. For states that presently have sales taxes, we should take advantage of their systems to prevent duplication in costs, using them for collection. For states without sales taxes, currently, they should set up a system and be reimbursed by the government for collection. These taxes should be itemized separately on every sales receipt, separate from those of the state.

In conclusion, what will we accomplish by all this?

We will have a national single-payer cradle-to-the-grave healthcare system, the cost of which will be much more acceptable to the taxpayer.

We should save trillions of dollars by eliminating insurance profits and reducing healthcare costs by allowing the government to negotiate prices (this suggestion presumes that healthcare remains private and the government is the single-payer). Additional savings should, also, be realized by increased efficiencies.

Employer and employee payroll taxes will be eliminated, a boon to both and a stimulus to the economy.

Healthcare will no longer be a “monkey” on the back of business.

The pressure for reduced work weeks will be eliminated.

Uncertainty of the future will be reduced and businesses will be better able to plan.

The adjustments and uncertainty surrounding both healthcare and Social Security will be resolved, and the tax rates will be adjusted annually.

The immense and horrendous worry by our people will be significantly reduced.

And last, but not least, hopefully our people will be more at ease and stable.

Let’s quit fighting. Let’s quit arguing and bickering and quit the politicking and put our country first. We must pull together and get the job done. Let us implement single-payer healthcare and protect our Social Security. This is just one more step in taking back our country from the “power elite”, our Shadow Government. Get with your representatives today. Unlike those of whom we spoke, above, we can’t pay them off, but we can let them know where we stand and how we vote. Respectfully, From: Steven P. Miller @ParkermillerQ,  gatekeeperwatchman.org Founder of Gatekeeper-Watchman International Groups Thursday, November 2, 2023, Jacksonville, Florida., USA.  X ... @ParkermillerQ Facebook: https://www.facebook.com/groups/Sparkermiller.JAX.FL.USA, Instagram: steven_parker_miller_1956, #GWIG, #GWIN, #GWINGO, #Ephraim1, #IAM, #Sparkermiller, #Eldermiller1981

[digitaldetoxworld]

5 Effective Financial strategies of a company

Financial strategies of a company  are vital equipment utilized by people, corporations, and groups to control their resources efficiently, attain monetary dreams, and make certain long-term stability. A well-designed monetary approach takes into account an entity's earnings, charges, investments, and financial savings to maximize boom and reduce dangers.

Key Elements of Financial Strategies

Budgeting

At the center of any economic method is effective budgeting. This involves tracking income and prices to make sure that spending aligns with monetary desires. For people, a price range facilitates control daily expenditures, plan for destiny needs, and keep away from pointless debt. For corporations, it guarantees that operational fees are managed, earnings are maximized, and sources are allocated efficiently.

Investment Planning

An important factor of monetary approach is investment. Whether it's shares, bonds, actual estate, or mutual budget, strategic investment helps in developing wealth through the years. A diverse funding portfolio reduces risk and allows for more monetary protection, in particular in fluctuating markets. Financial techniques must be designed with a mixture of quick-term, medium-term, and lengthy-time period funding desires, balancing danger and go back.

Debt Management

Managing debt is any other important component. Excessive or mismanaged debt can cause financial instability. A good economic method guarantees that debt is saved under manage thru right repayment plans, low-hobby loans, and cautious credit utilization. This is specially crucial for groups to maintain liquidity and creditworthiness, and for individuals to avoid economic strain.

Emergency Fund and Risk Management

An effective financial method includes provisions for unexpected situations. Having an emergency fund in region ensures that sudden prices—which include scientific emergencies, job loss, or principal maintenance—do not derail overall financial dreams. Similarly, right insurance coverage is a key a part of coping with economic hazard, whether for health, belongings, or commercial enterprise-associated contingencies.

Retirement Planning

Financial Strategies For Small Business is sound monetary approach ought to additionally encompass long-time period desires which include retirement. Planning for retirement includes saving frequently and investing in pension schemes, retirement bills, or other long-term economic gadgets that make certain financial independence later in life.

[jimi-rawlings]

French island of Martinique seeks to reduce reliance on food imports • F...

ENTREPÔT NAVY MARTINIQUAIS (FRENCH ANTILLES) NOUCHI DIASPORA

Food Scents in NOUCHI Gastronomy Olfactory Arts: Mango, Coconut, Cucumber, Sheep Dairy, Herbal Butter Mollusk, Garlic-Ginger, Dark Roast Coffee, Dark Chocolate, Cinnamon, Vanilla, and Molasses

Cabinda also produces hardwoods, coffee, cacao, rubber, and palm oil products; however, petroleum production accounts for most of Cabinda's domestic product.

Port Royal, Martinique Sister Cities: Antwerp, Belgium, Saint Pedro, Bas-Sassandra, Côte d'Ivoire; Boma, Cabinda, Angola; République Démocratique du Congo; St. John's, Newfoundland and Labrador; Le Havre, Normandy/Marseille-Caanes, Port Alpes Côte d'Azur, France

Bancassurance is a relationship between a bank and an insurance company[1] that is aimed at offering insurance products or insurance benefits to the bank's customers. In this partnership, bank staff and tellers become the point of sale and point of contact for the customer. Bank staff are advised and supported by the insurance company through wholesale product information, marketing campaigns and sales training. The bank and the insurance company share the commission. Insurance policies are processed and administered by the insurance company.

The staple right, also translated stacking right or storage right, both from the Dutch stapelrecht, was a medieval right accorded to certain ports, the staple ports. It required merchant barges or ships to unload their goods at the port and to display them for sale for a certain period, often three days. Only after that option had been given to local customers were traders allowed to reload their cargo and travel onwards with the remaining unsold freight.[1][2]

Gross national product accounts for its citizen’s productions both within and outside its borders. This figure then subtracts income earned by foreign residents within the country. By contrast, gross domestic product measures the production of goods and services made within a country’s borders by both citizens and foreign residents overall.

Marseille or Marseilles (French: Marseille; Provençal Occitan: Marselha; see below) is the prefecture of the French department of Bouches-du-Rhône and of the Provence-Alpes-Côte d'Azur region. Situated in the Provence region of southern France, it is located on the coast of the Gulf of Lion, part of the Mediterranean Sea, near the mouth of the Rhône river. A resident of Marseille is a Marseillais.

Tidjane Thiam (French: [tidʒan tiam];[1][2] born 29 July 1962) is an Ivorian and French businessman, and the executive chairman of Freedom Acquisition Corp.[3] He was the chief executive officer (CEO) of Swiss bank Credit Suisse from March 2015 to February 2020. He was the chief financial officer of British banking group Prudential from 2007 to 2009, and then its CEO until 2015. In 2019, Thiam became a member of the International Olympic Committee (IOC).[4][5][6]

João Manuel Gonçalves Lourenço GColIH (born 5 March 1954) is an Angolan politician who has served as the 3rd president of Angola since 26 September 2017.[4] Previously, he was Minister of Defence from 2014 to 2017. In September 2018, he became the Chairman of the People's Movement for the Liberation of Angola (MPLA), the ruling party. He was the party's Secretary-General from 1998 to 2003.

Serge Letchimy (French pronunciation: [sɛʁʒ lɛtʃimi]; born 13 January 1953) is the President of the Executive Council of Martinique and former member of the National Assembly of France. He represents the island of Martinique's 3rd constituency since June 2007, and is a member of The Socialists and affiliated parliamentary group. Letchimy is a member of the Martinican Progressive Party (PPM), or Parti progressiste martiniquais. He was the successor of Aimé Césaire as Mayor of Fort de France from 2001 to 2010 and was the final President of the Regional Council of Martinique from 26 March 2010 until its replacement by the Assembly of Martinique in December 2015.[1]

Capricornus is one of the 88 modern constellations, and was also one of the 48 constellations listed by the 2nd century astronomer Claudius Ptolemy. Its old astronomical symbol is  (♑︎). Under its modern boundaries it is bordered by Aquila, Sagittarius*, Microscopium, Piscis Austrinus, and Aquarius*. The constellation is located in an area of sky called the Sea or the Water, consisting of many water-related constellations such as Aquarius, Pisces and Eridanus. It is the smallest constellation in the zodiac. (Sky God R'ad Angel)*

The French West Indies or French Antilles (French: Antilles françaises, [ɑ̃tij fʁɑ̃sɛːz]; Antillean Creole: Antiy fwansé) are the parts of France located in the Antilles islands of the Caribbean:

The two overseas departments of:

Guadeloupe, including the islands of Basse-Terre, Grande-Terre, Les Saintes, Marie-Galante, and La Désirade.

Martinique

The two overseas collectivities of:

Saint Martin, the northern half of the island with the same name, the southern half is Sint Maarten, a constituent country of the Kingdom of the Netherlands.

Saint Barthélemy

Metallurgy Purchasing Matrix Business Cluster Entrepôt with Mineral Water Exclusive Economic Zone (EEZ)

Regions: Fragrance and Cosmetics Artisanal Plantation, Cash Crops, open-pit-large-scale alluvial and coastal Mining, and Technology Farming

Real Estate Urban Economics: Urban Coastal City Slum and Marina

Port Economics: Coastal City; Urban Brooklyn; County Line Trafficking Coastal City Slum Lords Bay Area

Funding: Naval Local Government

County Line Trafficking: Homestead and Artist Residency

Education: Trade School for Mining, Tile Cutting, and Fishing

Indo-Caribbean Gastronomy: Coconut Flakes Rice, Coconut Cream, Coconut Curry Yogurt Rice Pudding/Mollusk Sauce

Antillanité is a literary and political movement developed in the 1960s that stresses the creation of a specific West Indian identity out of a multiplicity of ethnic and cultural elements.

Subsistence Cashew: Subsistence agriculture occurs when farmers grow food crops to meet the needs of themselves and their families on smallholdings. Subsistence agriculturalists target farm output for survival and for mostly local requirements, with little or no surplus. The Anacardiaceae, commonly known as the cashew family[1] or sumac family, are a family of flowering plants, including about 83 genera with about 860 known species.[2] Members of the Anacardiaceae bear fruits that are drupes and in some cases produce urushiol, an irritant. The Anacardiaceae include numerous genera, several of which are economically important, notably cashew (in the type genus Anacardium), mango, Chinese lacquer tree, yellow mombin, Peruvian pepper, poison ivy, poison oak, sumac, smoke tree, marula and cuachalalate. The genus Pistacia (which includes the pistachio and mastic tree) is now included, but was previously placed in its own family, the Pistaciaceae.[3]

Pedagogy, most commonly understood as the approach to teaching, is the theory and practice of learning, and how this process influences, and is influenced by, the social, political, and psychological development of learners.

FOREIGN DIRECT INTERVENTION (GUERILLA NAVY INFRASTRUCTURE)

A navy, naval force, military maritime fleet, war navy, or maritime force is the branch of a nation's armed forces principally designated for naval and amphibious warfare; namely, lake-borne, riverine, littoral, or ocean-borne combat operations and related functions. It includes anything conducted by surface ships, amphibious ships, submarines, and seaborne aviation, as well as ancillary support, communications, training, and other fields.

The strategic offensive role of a navy is projection of force into areas beyond a country's shores (for example, to protect sea-lanes, deter or confront piracy, ferry troops, or attack other navies, ports, or shore installations). The strategic defensive purpose of a navy is to frustrate seaborne projection-of-force by enemies. The strategic task of the navy also may incorporate nuclear deterrence by use of submarine-launched ballistic missiles. Naval operations can be broadly divided between riverine and littoral applications (brown-water navy),

Naval operations can be broadly divided between riverine and littoral applications (brown-water navy), open-ocean applications (blue-water navy), and something in between (green-water navy), although these distinctions are more about strategic scope than tactical or operational division.

FX NEGATIVE INTEREST RATE ENTREPÔT CURRENCY

Cash crops are agricultural crops that are planted for the purpose of selling on the market or for export to make profit, as distinguished from subsistence crops planted for the purpose of self-supply of the farmer (like livestock feeding or food for the family).

A commodity index is an index that tracks the price and returns on a basket of commodities. These indexes are often accessible for investing through mutual funds or exchange traded funds (ETFs). Many investors who want access to the commodities market without entering the futures market decide to invest in commodity index funds.

A de facto currency is a unit of money that is not legal tender in a country but is treated as such by most of the populace. The United States dollar and the European Union euro are the most common de facto currencies.

The franc was the currency of Martinique until 2002.

Dark Roast Coffee, Molasses, Hazelnut, Chocolate-Cocoa, Whipped Cream, Cinnamon Compound Butter (Çonxelles) — French Cheese Garlic Onion-Mushroom Culinary Linguistics (Rugxé)

Rugxé Linguistics 

Bouquet Garni: Rugxé French Cheese Garlic Onion-Mushroom Culinary Linguistics (Rugxé)

Dinner: Rugxé Crustless Quiche and Rugxé Stew

Sense: Umami

Cinq au Cinq Linguistics 5x5 Cooking: Colors, Scents, Cooking Methods, Senses, and Flavors (Five Spot for Top 5 Ingredients/Methods)

Phonology: X Vowel Harmony, Soft Rs, Norrow and Long Lips

Larousse Linguistics: Rugxé under French-Onion, Sautée, or Bouquet Garni

Çonxelles Linguistics 

Goûter: Çonxelles Dark Roast Coffee, Molasses, Hazelnut, Chocolate-Cocoa, Whipped Cream, Buttermilk, Cinnamon Compound Butter, Tobacco 

Snack or Breakfast: Cigarillos; Chocolate Chip Banana Pancakes and Molasses or Dark Roast Coffee undertones of Brown Cane Sugar, Dark Chocolate, Hazelnut Cream

Cinq au Cinq Linguistics 5x5 Cooking: Harmony–Contrast Nutty-Sweet Dairy, Cooking Methods, Senses, Time of Day, Hot-Cold Contrast (Five Spot for Top 5 Ingredients/Methods)

Phonology: X Vowel Harmony, Soft Rs, Norrow and Long Lips

Larousse Linguistics: Çonxelles under Goûter

Sense: Goûter

Larousse Linguistics: Rugxé et Çonxelles est Cashew Famille

TURF ACCOUNTING MODEL

+EV

Python Programming Gaussian Distribution

Exotic Options Trading Live Betting

Parlays Minimum for Round Robins

Daily Fantasy Rakes

Daily Fantasy Sports Rakes Minimums with Diamond Jewelry like a retake on Uncut Gems and ShopGLD.

$10k Bundle Tennis Cluster and Studs

$25k Bundle Grillz

$75k Bundle Watch

Gold, Diamond, and Watches Traffickers Accounting

Modified cash basis is an accounting method that combines elements of the two primary bookkeeping practices: cash and accrual accounting. It seeks to get the best of both worlds, recording sales and expenses for long-term assets on an accrual basis and those of short-term assets on a cash basis. The goal here is to provide a clearer financial picture without dealing with the costs of switching to full-blown accrual accounting.

Artisanal Plantation Case Study

Rental Properties, Rental Farmland Plantation Economy, AG Indexes w/ FX CFDs, Gold Bars, Garunteed Investment Certificate are my Net Asset Portfolio.

Yvon Chouinard (born November 9, 1938)[1] is an American rock climber, environmentalist, philanthropist, and outdoor industry businessman. His company, Patagonia, is known for its commitment to protecting the environment. He was named one of the 100 most influential people in the world by Time magazine in 2023.[2]

Douglas Rainsford Tompkins (March 20, 1943 – December 8, 2015) was an American businessman, conservationist, outdoorsman, philanthropist, filmmaker, and agriculturalist.

Contracts and Investments

Share Appreciation Right Plans (SAR Plans)

Under SAR Plans, the corporation grants plan participants share appreciation rights. Each SAR entitles participants to receive, on vesting, the net value of the increase in the market value of the corporation’s share between the grant date and the vesting date. Share Appreciation Right Plans are similar to stock option plans in some ways, and to RSU Plans in others:

Value. Share Appreciation Rights function much like stock options in many ways – but unlike stock options, participants aren’t required to pay the exercise price when they exercise the SAR. Share Appreciation Rights start with a nil value at the time of grant, so will have no value at vesting if the market value of the shares has decreased between the dates of grant and of vesting.

Plan Terms. Share Appreciation Right Plans typically contain provisions similar to those of RSU Plans in respect to plan administration, maximum shares reserved for issuance, grant agreement, market value, employment, share capital adjustments, change of control and shareholder agreements.

Vesting. Like RSU Plans, vesting provisions in SAR Plans can also be based on time, performance or both. Performance-based SARs are sometimes called “performance appreciation rights” or “PARs”. Once vested, the plan participant can settle the SARs in cash or in an amount of shares that equals the amount payable to the participant divided by the per share market value

Deferred Compensation

Deferred compensation refers to that part of one’s contribution that is withheld and paid at a future date. Retirement plans and employee pensions are examples of deferred compensation. Employers usually withhold a fraction of employees’ compensation every month, accumulate it over time, and pay the lump sum amount on a date previously agreed upon in the employment contract.

Real Estate Joint Venture (JV)

A real estate joint venture (JV) is a deal between multiple parties to work together and combine resources to develop a real estate project. Most large projects are financed and developed as a result of real estate joint ventures. JVs allow real estate operators (individuals with extensive experience managing real estate projects) to work with real estate capital providers (entities that can supply capital for a real estate project).

Farmland Investments

Age 16-19

Bond Funds

Farmland REITS

CFDS

Real Estate Brokerage Trust Account

Age 20-30

Farmland Recession Proof Stocks (AgTech, Ag ETFS, AgETN)

Incubator and Startup Accelerators

Real Estate Joint Ventures

Age 30-40

Farmland Blue Chip Indexes w/ Credit Spread Options

MINUIT DU L'AFRIQUE-TABAC MOVEMENT

Colour Theory for Subjective Expressionist and Distorted Strokes, Splashes, Smears, Dribbles, with Sensual Lyrics/Sound Poetry. CAAB Movements Culture, Aesthetics, Arts, Bohemian. Esthétique Antagonique (Culture Antagonism and Aesthetic Theory with Industrial Subculture and Edgy Arts), with 5 Senses Collective.

GASTRONOMY AS A LANGUAGE

Culinary linguistics, a sub-branch of applied linguistics, is the study of food and language across various interdisciplinary fields such as linguistic, anthropology, sociolinguistics, and consumption politics and globalisation.[1]

Competitive Cooking Gambling

Cooking Shows as Leagues

Noun and Verb Groups

Gastronomy Trends Marketing Teams

Bocuse d’Or as Organization 

Habitant Conservation Film Festival 

Restaurant Clientel Grocery Stores

Cook Book based Libraries

Bocuse d’Or Qualifiers 

Agriculture Festivals

Wool and Wine

Sporting Event Gastronomy 

Nutritional Biochemistry Learning Show

Farmland Stock Simulators

Agronomics School

Pescatarian Gastronomy School

Agriculture Central Hedge Fund, Mining Unions, Peninsula Agronomique Engineering, Commodities Options Exchange (Credit Spread Options, Farm REITs, Crop Production; Fertelizers and Seeds; Equipment; Distribution and Processing Stocks, Ag ETFs and ETNs, Ag Mutual Funds), Tableau Économiques, Investments Farms REITs, Art Financing Mardi Gras

SOCIO-TRUST FUND NIGERIAN BANKS

Age 16-19

Bond Funds 

Farmland REITS

CFDS

Real Estate Brokerage Trust Account 

Age 20-30

Farmland Recession Proof Stocks (Cosmetics, AgTech, Ag ETFS, AgETN)

Incubator and Startup Accelerators

Real Estate Joint Ventures 

Age 30-40

Farmland Blue Chip Indexes w/ Credit Spread Options

Tunnel Strategy (Offshore Banking)

Purpose: Permanent Residency Card

$250k Deposit

$125k: 60/40 portfolio, 60% Fixed Income & REITs and 40% Blue Chip Stocks 

$50k: Guaranteed Investment Certificates (GICs) and term deposits are secured investments. This means that you get back the amount you invest at the end of your term. The key difference between a GIC and a term deposit is the length of the term. Term deposits generally have shorter terms than GICs.

$75k: Spending Cash

Tax System

Commonwealth of Dominica has initiated legislation that facilitates the creation of offshore corporations, trusts, and foundations, providing tax-friendly and privacy-protected offshore banking services.

Taxes on profits of offshore companies are generally in the range of 0% to 5.5%, and the tax rate decreases as the profits earned increase.

A business cluster is a geographic concentration of interconnected businesses, suppliers, and associated institutions in a particular field. Clusters are considered to increase the productivity with which companies can compete, nationally and globally. Accounting is a part of the business cluster.[1][2] In urban studies, the term agglomeration is used.[3] Clusters are also important aspects of strategic management. Geographical cluster – as stated above e.g. the California wine cluster[12] or the flower cluster between Rotterdam and Amsterdam in the Netherlands.[13] Sectoral clusters (a cluster of businesses operating together from within the same commercial sector e.g. marine (south east England; Cowes and now Solent) and photonics (Aston Science Park, Birmingham)) Horizontal cluster (interconnections between businesses at a sharing of resources level e.g. knowledge management, machinery, lab and test tools, material supply, professional employment) Factor endowment clusters – They are created because a comparative advantage they might have linked to a geographical position. For example, wine production clusters because of sunny regions surrounded by mountains, where good grapes can grow. This is like certain areas in France such as Burgundy and Champagne, as well as Lombardy, Spain, Chile and California. Low-cost manufacturing clusters – These clusters have typically emerged in developing countries within particular industries, such as automotive production, electronics, or textiles. Examples include electronics clusters in Mexico (e.g. Guadalajara) and Argentina (e.g. Córdoba). Cluster firms typically serve clients in developed countries. Drivers of cluster emergence include availability of low-cost labor, geographical proximity to clients (e.g. in the case of Mexico for U.S. clients; Eastern Europe for Western European clients).[17] Hubs and nodes is a geographic model explaining how linked regions can cooperate to fulfill elements of an industry's value chain and collectively gain sufficient mass to drive innovation growth. In economics, a network effect (also called network externality or demand-side economies of scale) is the phenomenon by which the value or utility a user derives from a good or service depends on the number of users of compatible products. The model of hubs and nodes builds on Porter's cluster model which served well in the past, but as businesses and regions around the world have adjusted to the realities of globalization, the concept of clusters is becoming outdated. In the late 1990s, the Seoul Metropolitan Government in South Korea developed the Digital Media City (DMC), a 135-acre complex, four miles outside of the city's central business district in the Sangam-dong district. With Seoul's rapidly growing cluster of multi-media, IT, and entertainment industries, the Digital Media City, through its vibrant agglomeration, helped to promote these industries and companies whose core business required use of information, communication, and media technologies. DMC grew and prospered as a global business environment, raising Seoul as an east-Asian hub of commerce. The cluster of its digital media-related, high-tech firms spawned partnerships which in turn leveraged both human and social capital in the area. Eventually, DMC fed the innovation of more than 10,000 small-scale Internet, game, and telecommunication firms located in Seoul.[20]

NOUCHI

[propertybuyindubai]

Understanding Home Loan Options in UAE

The UAE's real estate market is diverse, offering a variety of home loan options to suit different needs. Understanding these options is crucial for making an informed decision. This guide provides an overview of the different home loan options available in the UAE.

Types of Home Loans

Home loans, or mortgages, come in various forms, each with its benefits and considerations.

Fixed-Rate Mortgages: These loans have a fixed interest rate for a specified period, providing stability in monthly payments.

Variable-Rate Mortgages: The interest rate fluctuates based on market conditions, which can lead to lower initial rates but potential increases over time.

Islamic Mortgages: Compliant with Sharia law, these mortgages involve profit-sharing rather than interest payments.

For detailed information on home loans, visit home loan dubai.

Key Features of Different Home Loans

Fixed-Rate Mortgages:

Stability: Monthly payments remain the same throughout the fixed period.

Predictability: Easier to budget as payments do not change.

Higher Initial Rates: Typically, fixed rates are higher than variable rates.

Variable-Rate Mortgages:

Lower Initial Rates: Often start with lower rates than fixed-rate mortgages.

Potential Increases: Rates can increase over time based on market conditions.

Flexibility: Can benefit from falling interest rates.

Islamic Mortgages:

Sharia Compliance: No interest payments; instead, profit-sharing.

Ethical Financing: Aligns with Islamic principles.

Varied Structures: Different structures such as Ijara, Murabaha, and Musharaka.

For property purchases, explore Buy Villas in Dubai.

Choosing the Right Home Loan

Assess Your Financial Situation: Begin by evaluating your financial health. Calculate your income, expenses, and savings to determine how much you can afford.

Consider Your Goals: Determine your homeownership goals, whether it's stability, flexibility, or compliance with Islamic principles.

Compare Loan Options: Different lenders offer various products. Compare rates, terms, and conditions.

Consult with a Mortgage Advisor: Professional advice can help you navigate the complexities of securing a home loan. For expert advice, consider Best Mortgage Services.

Steps to Securing a Home Loan

Get Pre-Approved: Pre-approval provides an estimate of how much you can borrow, making the home search more focused and efficient.

Choose the Right Mortgage: Select a mortgage that aligns with your financial goals.

Submit Your Application: Complete the mortgage application, providing necessary documents such as proof of income, credit history, and property details.

Loan Approval and Offer: Once approved, the lender will present an offer detailing the loan amount, interest rate, and repayment terms.

Finalizing the Purchase: After accepting the offer, work with your lender to finalize the purchase. Ensure all legal and financial aspects are in order.

For rental options, visit Apartments For Rent in Dubai.

Tips for a Smooth Home Loan Process

Maintain a Good Credit Score: A high credit score improves your chances of loan approval and favorable terms.

Save for a Down Payment: Aim for at least 20% of the property's value to reduce mortgage insurance costs and improve loan terms.

Avoid New Debt: Refrain from taking on new debt during the loan process to maintain your financial profile.

Understand Fees and Charges: Be aware of all fees and charges associated with the loan, including processing fees, valuation fees, and early repayment penalties.

For selling your property, explore Sell Your Property in Dubai.

Legal and Regulatory Considerations

The UAE has specific regulations governing mortgages. Ensure compliance with all legal requirements, including property registration and transfer fees.

Dubai Land Department (DLD): The DLD oversees property transactions. Ensure all documents are registered with the DLD.

No Objection Certificate (NOC): If buying from a developer, obtain an NOC confirming no outstanding payments or disputes.

Conclusion

Understanding home loan options in the UAE involves careful planning and knowledge of the mortgage market. By following the steps outlined in this guide, you can navigate the process efficiently and achieve your homeownership goals. For more resources and expert advice, visit home loan dubai.

[evolvingshe]

Is the modern dating scene a product of our divided society?

As shocking as this title may sound, there have been multiple studies conducted by psychologists and sociologists about the deterrent effect of modern dating regarding the increase in population. Many may argue that options such as dating apps should be able to help singles find dates and get into relationships. But because of the constant availability of other, or “better” singles out there, the dating scene is met with a ruthless new phenomenon. “Situationships” better known as “delusionships” is the factor that is keeping people away from the dating pool. 

Many people take into account that due to our divided culture, it is harder to set aside differences to find a partner, and with that, I agree. In this post-2016 election dating pool, many singles consider voting decisions, alongside their career, education, salary, and whether or not they own a property before making their decision official. Why is that? Have we succumbed to becoming superficial and narrow-minded? 

I am no sociologist, but I know quick judgments result in lonely nights. As a college student, I understand the desire to be in a monogamous yet non-committal relationship. But that only exists in a world where STDs and constant communication exist, what I mean is this fallacy does not exist. 

As a twenty-something, I have made peace with the fact that my dating pool will be inherently barren until I hit 27, solely because I refuse to be in this constant loop of being like a girlfriend without the title. We as a society all collectively agree that free labor is cruel, and as college students, we would not be caught dead with an unpaid internship, but we allow ourselves to be in “almost relationships”. Due to these harsh conditions, there has been a rise in practicing celibacy, the act of withholding sexual encounters until emotional needs are met. This rise was originally seen as a side effect of the lockdown, but after open conversations on social media, the hashtag celibacy has surpassed more than 1.2 billion views.

 As an observer of these changes, the best way to explain modern dating is to view the change as if it were the real estate market. Back in the day, it was much easier to buy a house since there were fewer restrictions on home-buying, but to purchase a new property one needs a strong credit score, a loan, insurance, and also be able to buy the property in cash. The same could be said about dating, we expect too much in the worst way possible.

As a population, it is hard to admit that we have become blind to what truly defines a person and what makes a good partner. I can guarantee that an individual who is deemed “cool” most definitely lacks character, and is not dating material and we need to stop chasing people for the sake of a better status. Yes go out with someone who shares similar interests, but for the love of god DO NOT and I do mean this, but do not take someone off your roster because they have some differing views. Ask them about their opinions and be reasonable, this intolerance to any differences is not only leaving people alone, but it is creating insane division outside the dating scene. This notion of accepting differences goes a long way, accepting people for their values and their dating goals will not only make the dating pool accessible but also help heal other divided relationships. 

The final issue with modern dating is that we do not want to get attached or else we will get hurt, pain is inevitable, and any venture worth going into will cause pain. If we applied this mentality in all aspects of life, more would be done.

[weatherman667]

Are Megacorporations Capitalism?

It depends on how they were created. Note: It's entirely possible for corporations to shift between methods.

1) Disruptive Technology and Systems

Disruptive means things like the car, which changed every facet of society. The most famous form of disruptive systems was Walmart, that got big by eliminating the middle man. By purchasing directly from the producers, they were ever to provide their products at a much cheaper cost than their competitors.

2) Niche

Entering a market that doesn't exist, but has a latent need. The best examples of this are Amazon and Tesla. They created the field. The forerunners in a field have chance to take over the field. By the time their competitors can actually compete, the forerunner has a huge market share.

3) Mergers and Acquisitions

The easiest way to become a megacorporation is to get big enough to buy out your competitors. This is completely anti-capitalist, and we used to have laws against it. This often ties into the next one.

4) Government Capture

Getting the government to put a regulatory paling around the company. This is - literally - Fascism.

5) Anti-Competitive Behaviour

Walmart is also famous for this. A corporation moves into an area and undermines the other businesses until they go out of business, and then you now control the market. The corporations will often take significant losses during this period, but they have defacto control of the market afterwards. By the very name Anti-Competitive Behaviour, this is against Fascism. This is typically only allowed by a government that wants to exude control through the megacorporation, or was just heavily bribed into doing so.

Another great example of this is the fact that most supermarket shelves are rented. If you go down the cereal isle, chances are 90% of the space is rented by 1 or 2 companies.

6) Diversify

A company starts creating interests in various markets. Famous mega brands are Proctor and Gamble, and Johnson and Johnson. They are rarely the only player in each market, but they exist in dozens of markets, and as such are not vulnerable to disruption in any single market.

---

Of these six possibilities, only three are Capitalism.

Now, once you have a megacorporation, that's it, right? They are permanent.

Well, far from, at least in any individual industry. The larger the corporation the more vulnerable it is to disruption. Megacorporations have nation-spanning policies, and supply chains that cover the entire world. Small corporations are more nimble, and as such can move into a niche far quicker than a large corporation can. And we saw this with the plandemic. Walmart was the worst hit by supply-chain disruption. Smaller businesses with smaller, typically more local supply chains, kept food on the shelves.

And how did the government respond to this?

By forcing small businesses to shutter. Most of which have not returned. And we get back to public/private partnership, i.e. Fascism. The government controlling, and therefore protecting megacorporations.

During the Great Recession, we had six-figure financiers that were destitute, because they already spent money they did not have. Our solution was to bail them out. The Capitalist solution would have been to let them fall. There used to be laws in place to prevent banks from becoming too big to fail, nevermind the horrendous concept of making them immune to their own risks.

The Capitalist solution would be to create a separation between deposit banking, investment banking, and insurance. Which the US used to have. In Canada we still have. So, a five minute drive away we have a local credit union, (provincially regulated banks), that has an insurance company in the same building, right next door. They are owned by the same company, and have the same brand, but are legally separate entities. What happened in the US is that investment bankers were allowed to use deposits for investments, and then when the investment banks were about to crash, it threatened the entire US banking establishment. This is what "too big to fail" meant.

We also have the government forcing everyone into the stock market through taxes and inflation. Even in good years, you have up to 3% inflation. What this means is that any savings you have will lose 3% every year. After 20 years of 3% inflation, your money is worth just over half. So, what this means is that you have to invest in the stock market. This means that corporations have to offer RRSP packages, (401k's in the US). This means that if an investment banks fails, every grandmothers savings goes with it. It also allows you to be dependant upon the governments pension/ponzi plan.

The result is Blackrock and Vanguard, which effectively own the world.

Without the government protecting, controlling, and profiting from this, people could just save their money. Half of the accounting industry, and probably 90% of the investment industry, is effectively mandated by the government.

[sugar-coated-prat-dragon]

Did people forget that Ke Huy Quan literally lost his health insurance while he won an Oscar? He was in what was one of the best movies this century so far and he lost his fucking health insurance in 2022…. The man wasn’t even in blockbusters during his hiatus from Hollywood. How tf was he able to survive on just his acting credits he did as a fucking child?????

The sad part is so many people fall into this belief that every actor, writer, ect… is a millionaire and that they make tons of money to live off from their work.

Whereas in reality most of them barley make a living wage and end up getting taken advantage by the big corporations who claim they lost money in the industry (so they can avoid paying their workers their fair share).

Those same corporations who claim they had “tremendous losses” than go on to not pay the money these artists the money are owned as they rake in the cash for themselves.

It’s pure greed and it should be considered outright fraud.

Yet, the normal people watching these movies fall for the lie that the actors on screen have it easy and they grow bitter about it.

It’s literally a case of these companies skating their obligations to artists by using them as creative license for their marketing/money grabbing and also using them as scapegoats to hide their own corruption.

[timhumphrey]

Understanding Mortgage Trigger Leads and How to Protect Your Privacy

https://www.youtube.com/watch?v=2Tr_iUqPdSM Thinking about buying a home? Be prepared! Starting the mortgage process often means getting flooded with calls, emails, and letters from multiple lenders. This overwhelming wave of communication happens due to mortgage trigger leads. In this video, we break down what mortgage trigger leads are, why they happen, and how they impact your mortgage search. In this video, we’ll cover: What Are Mortgage Trigger Leads? Understand how your mortgage application can signal lenders that you're in the market. Why Trigger Leads Feel Predatory – Learn why these unsolicited offers can feel like an invasion of privacy. How Trigger Leads Affect Your Mortgage Search – Find out how multiple offers can cause stress and confusion. Steps to Protect Your Privacy – Get actionable tips on opting out of prescreened offers, reducing telemarketing calls, and safeguarding your personal information. At NEO Home Loans, we’re dedicated to making your mortgage journey clear, informed, and straightforward. We believe in educating future homeowners on the best strategies to maximize their financial potential while protecting their privacy. 🔔Hit subscribe for the latest expert insights and valuable podcasts on mortgage tips, real estate trends, and strategies to grow wealth through smart property decisions! https://www.youtube.com/@HumphreyMortgage/?sub_confirmation=1 ✅ Important Link to Follow 🔗 Linktree https://ift.tt/rWdohU6 ✅ Stay Connected With Me. 👉 Instagram: https://ift.tt/r60nhlW 👉 Linkedin: https://ift.tt/W5Ug2M4 👉 Website: https://ift.tt/K7okSEy 📩 For Business Inquiries: Tim@HumphreyMortgageTeam.com ============================= 🎬 Recommended Playlists 👉 Mortgage Lab https://www.youtube.com/playlist?list=PLuGT35X1mS76AUvaPHN8IuRCi-FxrI3-C 👉 Mortgage Lab Podcast https://www.youtube.com/playlist?list=PLuGT35X1mS74oOo8OcrSd12Apdwv2FrYS 🎬 WATCH MY OTHER VIDEOS: 👉 What Is Debt-To-Income Ratio? How It Affects Mortgage Approval Explained https://youtu.be/mNB9acNqJds 👉 Top 7 Mistakes To Avoid For Mortgage Approval – Essential Home Buying Tips https://youtu.be/BLxBsmXvqkw 👉 How Mortgage Insurance Helps You Buy A Home With Less Than 20% Down | Real Estate Tips https://youtu.be/yjmPHZdBmx0 👉 How To Increase Your Home Sale Profits With Pre-Sale Renovations https://www.youtube.com/watch?v=DL81T99XPs0 👉 Real Estate In 2024: Essential Market Trends And Challenges To Watch | Real Estate Tips https://www.youtube.com/watch?v=-_fBuasdX8o ============================= #realestate #mortgage #homebuying #credit #credittips ⚠️ Disclaimer: Ideas expressed may not be complete and may not apply to all situations. NEO Home Loans is a division of Luminate Home Loans, Inc. | NMLS #150953 | Luminate Home Loans, Inc. NMLS#150953. Equal Housing Lender. Corporate Headquarters 2523 Wayzata Blvd. S. Suite 200, Minneapolis, MN 55405. For licensing information, go to https://ift.tt/0eryiu4. This advertisement does not constitute a loan approval or loan commitment. Loan approval or loan commitment is subject to final underwriting review and approval. Other terms and conditions apply. ✖️ Copyright Notice: This video and my YouTube channel contain dialogue, music, and images that are the property of Tim Humphrey. You are authorized to share the video link and channel and embed this video in your website or others as long as a link back to my YouTube channel is provided. © Tim Humphrey via Tim Humphrey https://www.youtube.com/channel/UCYIh6njt7ARosNWhQCi93Aw November 13, 2024 at 12:54AM

[hitchzone24]

RuPay Credit Cards vs. Visa and MasterCard – Understanding the Differences

With regards to credit cards, RuPay, Visa, and MasterCard are three major players in the market. While they serve the same basic function, there are distinct differences between them. Below we have broken them down to help you understand the key distinctions.

1. Origin and Ownership

RuPay: Introduced by the National Payments Corporation of India (NPCI) in 2012, RuPay is India’s own domestic payment network. It was developed to promote financial inclusion and reduce dependence on international card networks.

Visa and MasterCard: Both Visa and MasterCard are global payment networks originating from the United States. Visa was founded in 1958, and MasterCard followed in 1966. These networks are widely accepted across the globe and play a major role in facilitating international transactions.

2. Reach and Acceptance

RuPay: RuPay cards are primarily accepted within India, though NPCI has been expanding its international presence. These cards are commonly issued by public sector banks and are widely used for domestic transactions.

Visa and MasterCard: Visa and MasterCard have a vast international network, with acceptance in over 200 countries. They are ideal for frequent travelers or those who make international purchases, as they are accepted almost universally.

3. Transaction Costs and Fees

RuPay: One of the significant advantages of RuPay is its lower transaction cost. Since it is a domestic network, the processing fees are minimal compared to international networks. This makes RuPay cards more affordable.

Visa and MasterCard: As they are international networks, Visa and MasterCard generally incur higher transaction fees. This is particularly the case for cross-border transactions. These fees are often passed on to the cardholder in the form of foreign transaction charges.

4. Security Features

RuPay: RuPay cards offer secure transactions with features like Personal Identification Number (PIN) authentication for every transaction. The card details remain within India, meaning that the data is shared between national gateways only. This, an extra layer of security is added for domestic users.

Visa and MasterCard: Both of these provide advanced security features, including multi-factor authentication and fraud detection systems. They offer Zero Liability Protection and safeguard cardholders against unauthorized transactions globally.

5. Benefits and Rewards

RuPay: These offer benefits like cashback, discounts on utility payments, and other rewards.

Visa and MasterCard: Both of them come with a wide range of benefits. Examples include global rewards programs, travel insurance, and access to exclusive international offers. The reward structure here is more extensive and diverse compared to RuPay.

Which One’s Right for You?

RuPay is an excellent choice for those who primarily conduct their transactions within India. Additionally, they offer lower costs and enhanced security. On the flip side, Visa and MasterCard are ideal for international travelers and those after a broader range of benefits and global acceptance.

Your choice between these cards should align with your spending habits, travel needs, and financial priorities.

[gatekeeper-watchman]

Our National Healthcare

          I have discussed this subject before; but, especially in light of current events, I would like to discuss it again today–perhaps, even more candidly. I’ll be honest with you. If I were a member of Congress when the Patient Protection and Affordable Care Act (PPACA), aka Obama Care, was passed, I would be angry with rejectionists like the illustrious Kentucky Colonel, Mitch McConnell. That I would have voted for that bill without hesitation. Even though, however, I was, in all honesty, really not in favor of it. I say to you, as I have said to others, the law is an exercise in self-gratification. I told my friends then; and, I also, wrote President Obama, telling him that, too (He, eventually, thanked me for my letter but didn’t mention the subject of healthcare). Today, four years later, I feel even more negative toward it. This law has good intentions, but it fails the people of this country. I see a train wreck coming. It is coming, and it’s going to hit hard. When it does, the American people are going to be mad as a swarm of bees. Mark my words. Don’t forget I said it, Mister Politician.

It is anything but affordable for the masses of the people; it is confusing, bordering on being unintelligible to most; and it is so complicated and expensive, that it could drive all of us, people, and government into bankruptcy.   In tackling our problem of healthcare, President Obama made the same mistake as President Clinton; in his effort to be conciliatory and bipartisan with the Republican Party, he invited the major stakeholders in the medical-industrial complex to the negotiating table, assuming that consensus there would bring reform. Who are those stakeholders? They are the pharmaceutical, hospital, physician, and insurance industries–the primary focus of all of them being profits, with the interests of the people being last on their list. They not only fought the administration on this, they fought within against themselves. I ask you. Who ever heard of the customer or client coming in first on the list of any insurance company? Really!

          I submit to you that healthcare is not a commodity like oil, sugar, pork bellies, credit default swaps, housing, automobiles, and so on. Healthcare is not adaptable to or compatible with the free market (a myth at best) in any way, shape, or form. Who besides the most skilled can intelligently evaluate an insurance policy; who but the most skilled physicians can evaluate the abilities of a doctor; when you need to go to the hospital, how often is it you who has the decisive choice as to where to go; and, lastly, who of you is able and has the expertise to knowledgeably determine the proper drugs you should take when you are ill? I am certainly not qualified, and neither are almost all of us.

Healthcare is a need of all of us–a need we share in common. Accordingly, it should be governed in common. Healthcare is our RIGHT. How do I justify that? It is stated as such in our Declaration of Independence. We all have the right to life, liberty, and the pursuit of happiness. We should be allowed to have and enjoy that right. Furthermore, we require a system that will work, one we can afford, and one for which we can pay (Surely no one thinks it can be free). We also require a single-payer, national healthcare system modeled after Medicare with, like the VA, the ability to negotiate prices.  

Immediately! I hear someone cry socialism. In this individual instance, why should you care if it works? As one person once said, “It doesn’t matter if the cat is white or the cat is black. The cat we want is the one that catches Mice” (or something like that). A single-payer healthcare system will catch mice. If we were talking about the whole country going socialist, we would need, I would think, to sit down and have a long talk about the matter–a very long talk. In this instance, however, no one is even thinking about that. We already know socialism has failed as a whole, so this isn’t even the subject of the matter. We require a system that works for us.

Let me tell you about that word, socialism. The word socialism is inflammatory; used, primarily, to arouse and anger people to influence their minds in one direction or another. To most people, it is something bad, from which one will turn away with rejection. We hear it every day from those who don’t believe in government, usually some form of anarchists. It often comes from those who want to control your mind and lead you in the direction they want you to go. Do you need that kind of person?

I want to call your attention to a fact of the matter. When Medicare was made into law in the 1960s, it was up and running in a year. The Patient Protection and Affordable Care Act (PPACA) was passed four years ago and still is not working, some provisions of which are being moved back even now, as we speak. Medicare, on the other hand, has been in effect for over forty years and working just fine even now. How about that? Our illustrious politicians haven’t been willing to even so much as give single-payer national healthcare a national hearing for consideration. Is that Democracy?

How should we pay for such a plan? I have given a lot of thought to the matter and changed my mind from when I first wrote about “single payer”. Please allow me to bring another issue into the picture, Social Security. This safety net, also, is moving forward to the day when our government allows it to become a national crisis. Social Security, to the best of my knowledge, is one of the most efficient, well-run programs, with the lowest costs of administration of any other government program. A big reason for this success is that the fund is “stand-alone”, “self-funding”, and not included in our general budget. In this way, it is highly controlled and does not affect our national deficit. Our biggest problem with financing this program is, in my mind, five-fold. The recession in our economy, the retirement of our baby boom generation, and our massive unemployment. Whereas, in the past we had more people paying than those receiving benefits, we now have less paying in-I am told only three paying in now for twelve receiving. The aging of our people, and increasing disabled coming onto the rolls. Payments into this fund have to be increased, and cutting benefits and cost of living adjustments is unacceptable. Having said that, raising payroll taxes on employers and employees (the money is going to have to come from somewhere) will create additional hardship and political tensions no one needs or can stand just now.

Let’s now get back to the question (or issue) of single-payer healthcare. It, too, must be financed. Again, it’s not free. It will be expensive, but it will be a lot less expensive than Obamacare–a lot less. I might, also, call your attention to the fact we are not feeling the full pain of even our current healthcare expenses, as exaggerated as they are. We are paying for a lot of them “on the cuff”–it’s in our deficit. But I digress. We should administer single-payer healthcare in the same manner as we do Social Security, with a stand-alone fund into which go all receipts and out of which go all disbursements. In no way should the accounting for healthcare be mingled with the accounting for government. In no way should healthcare funding be allowed to affect our deficit. Tax rates for payments into both the healthcare and the Social Security funds should be automatically adjusted annually for any expense overruns or surpluses. So, I am not confused, in no way should our stand-alone healthcare fund be co-mingled with our Social Security fund. The accounting for both must be kept completely separate and open to the public.

Now, let’s get to the question for which you have been so patiently waiting (if we have come this far, and you are still with me, you must be patient). How should we pay for this? I believe we should create two separate and apart national Federal Sales Taxes, a separate sales tax for each fund. For states that presently have sales taxes, we should take advantage of their systems to prevent duplication in costs, using them for collection. For states without sales taxes, currently, they should set up a system and be reimbursed by the government for collection. These taxes should be itemized separately on every sales receipt, separate from those of the state.

In conclusion, what will we accomplish by all this?

We will have a national single-payer cradle-to-the-grave healthcare system, the cost of which will be much more acceptable to the taxpayer.

We should save trillions of dollars by eliminating insurance profits and reducing healthcare costs by allowing the government to negotiate prices (this suggestion presumes that healthcare remains private, and the government is the single-payer). Additional savings should, also, be realized by increased efficiencies.

Employer and employee payroll taxes will be eliminated, a boon to both and a stimulus to the economy.

Healthcare will no longer be a “monkey” on the back of business.

The pressure for reduced work weeks will be eliminated.

Uncertainty of the future will be reduced and businesses will be better able to plan.

The adjustments and uncertainty surrounding both healthcare and Social Security will be resolved, and the tax rates will be adjusted annually.

The immense and horrendous worry by our people will be significantly reduced.

And last, but not least, hopefully our people will be more at ease and stable.

Let’s quit fighting. Let’s quit arguing, bickering and quit the politicking and put our country first. We must, pull together and get the job done and stop acting like children. Let us implement single-payer healthcare and protect our Social Security. This is just one more step in taking back our country from the “power elite”, our Shadow Government. Get with your representatives today. Unlike those of whom we spoke, above, we can’t pay them off, but we can let them know where we stand and how we vote. Respectfully, From: Steven P. Miller @ParkermillerQ,  gatekeeperwatchman.org Founder of Gatekeeper-Watchman International Groups Thursday, November 2, 2023, Jacksonville, Florida., USA.  X ... @ParkermillerQ Facebook: https://www.facebook.com/groups/Sparkermiller.JAX.FL.USA, Instagram: steven_parker_miller_1956, #GWIG, #GWIN, #GWINGO, #Ephraim1, #IAM, #Sparkermiller, #Eldermiller1981