#fintech specialization

[online-programmes]

LIBA’s Online Post Graduate Programme in Management (PGPM)

Brief of the programme:

LIBA offers a 11 month Online PGPM combining core management and specialized courses. The programme is for students who wanted to learn about the foundation of business and for working professionals who wanted to develop their knowledge further.

Curriculum

As mentioned above there are Core as well as Specialized subjects. Core management subjects include Principles of management, Quantitative studies, Marketing, Economics, Finance, Management Information system and more. Specialization courses are designed to gain knowledge about the in- depth aspects of the course. This PGPM programme offers three specialization courses from which the students can choose one. Specialization courses are AI & Data Science, Healthcare and FinTech.

Who can apply for this programme?

Applicants who hold a bachelor’s degree with a minimum aggregate of 50% marks. Also those who have a minimum of 2 years full - time work experience are preferred but it's not mandatory.

Individuals who seek further knowledge in business, those who want to learn about the fundamental aspects of management, professionals who want a to achieve more in their career, people who want to transition from their job to AI & Data science or Finance or Healthcare, Technology and Healthcare professionals who wanted to strengthen their competencies, individuals who wanted to foster their innovative thinking in technology and finance can apply for this programme.

Why should you apply?

With respect to the specializations offered, all 3 course subjects are vital in today’s world. AI & Data Science deals with machine learning algorithms, big data analytics and cutting- edge AI applications. Since the world is getting accustomed to AI, there is a growing demand for this course and for people who complete it.

FinTech specialization includes financial technology, blockchain, digital payments and financial as well as data analytics. This course also includes practical projects, industry insights, and collaborations with financial institutions.

Healthcare Specialization emphasises on predictive analytics, personalized medicine, health informatics, policy, economics, information systems along with training individuals through data-driven insights and technological advancements.

Apart from that, there are various reasons as to why one should apply for this course. Primary reason would be to develop and deepen your knowledge. If you are a student, you will learn about the basics of the subject. If you are a working professional, you will be able to gain wisdom to have career advancement in your domain. You will be able to connect with distinguished people while you are enrolled in the course.

In this world, having knowledge in theory alone doesn’t help, we should know how to apply the theoretical knowledge in the real world. With regards to that, this programme trains you to achieve it by providing different case studies, projects and assignments. There are live sessions and self- paced modules to make the learning process convenient and exciting. Ample resources are given access to refer and study. Courses are taught by renowned faculty who are field specialists and experienced scholars. Finally, at the end of this course you would’ve developed both personal attributes and job-related skills.

Why wait? Initiate your learning journey now -

https://iop.liba.edu/pg-program-in-healthcare-management/

Learn more about:

AI & Data science specialization - https://iop.liba.edu/ai-pgpm/

Fintech specialization - https://iop.liba.edu/fs-pgpm/

Healthcare specialization - https://iop.liba.edu/hs-pgpm/

[kazifatagar]

News Summary: Malaysia Launches Forest City Special Financial Zone

Photo caption: Johor Regent Tunku Ismail Sultan Ibrahim (middle) launching the Forest City Special Financial Zone (SFZ) at Forest City here in Iskandar Puteri, Johor on Friday. Looking on is Johor Mentri Besar Datuk Onn Hafiz Ghazi (left) and Finance Minister II Datuk Seri Amir Hamzah Azizan (right). Malaysia has taken a bold step in its economic transformation with the launch of the Forest City…

[jcmarchi]

Will Bitcoin Climb Past The $60,000 Mark? It Most Certainly Will, Analysts Predict - Technology Org

New Post has been published on https://thedigitalinsider.com/will-bitcoin-climb-past-the-60000-mark-it-most-certainly-will-analysts-predict-technology-org/

Will Bitcoin Climb Past The $60,000 Mark? It Most Certainly Will, Analysts Predict - Technology Org

Bitcoin is experiencing a notable surge, marking its most significant monthly rally since December 2020, as it approaches the $60,000 mark.

Bitcoin price trend as of February 28, 2024. Image credit: CoinDesk

The recent uptrend is attributed to increased investment in new U.S. spot bitcoin exchange-traded products, propelling Bitcoin’s value by 39.7% in February.

At the present time (Feb. 28, 2024, 12:50 PM UTC +02:00), Bitcoin is up 4.66% over the past 24 hours and trading at $59,266, reaching its highest level since December 2021. Simultaneously, Ether has risen by 2.2% to $3,320, reaching a two-year high. Traders are showing heightened interest in Bitcoin, anticipating the upcoming halving event in April, designed to slow down the release of new bitcoins.

Some analysts estimate that Bitcoin could be on an 18-month path to raise its value to $150,000.

Written by Alius Noreika

[umeacademy9]

The future of work is evolving, and an MBA can be your passport to professional success. But in today's dynamic landscape, specialization is key. This article unveils the 10 hottest Online MBA Specializations in India., fields ripe with opportunity and high-growth potential.

Dive into:

Data Science & Analytics: Master the tools shaping decision-making and driving disruption.

FinTech & Digital Banking: Navigate the future of finance with specialized expertise.

Entrepreneurship & Innovation: Learn to launch and scale successful ventures in a changing world.

Marketing & Digital Strategy: Unleash the power of digital marketing to reach and engage consumers.

Supply Chain & Operations Management: Optimize efficiency and navigate global complexities.

Healthcare Management: Lead the transformation of healthcare delivery in a growing sector.

Sustainable Business & CSR: Champion responsible business practices and build a future-proof organization.

Artificial Intelligence & Business Analytics: Harness the power of AI to solve business challenges and gain a competitive edge.

Business Analytics & Decision Making: Translate data into actionable insights for informed leadership.

Human Resources & Organizational Development: Foster talent, build strong teams,��and navigate the changing workplace.

This insightful guide will:

Help you identify the perfect specialization for your career aspirations.

Provide data-driven insights on salary trends and job prospects.

Showcase top-ranked online MBA programs in India offering these specializations.

Equip you with the knowledge and skills to thrive in tomorrow's business world.

Don't just chart your course to a degree, chart your course to success. Explore these booming online MBA specializations and open your full potential in 2024 and beyond!

[dr-alex-zarifis]

Sustainability (Impact factor 3.9)

Special issue:

Information Systems in E-business: Digital Transformation and

Sustainable Management

Link:

mdpi.com/si/194499

Guest editor: Dr Alex Zarifis

Deadline:

30th November 2024

[nishp]

💻🏦 Happy National Online Bank Day! 🌐💰

As the world goes digital, so does our banking experience! Today, on October 9, we celebrate National Online Bank Day, a day dedicated to recognizing the shift towards online banking in an ever-evolving business landscape. 💳📱

With the convenience of online banking, managing your finances has never been easier. From checking balances to transferring funds, it's all just a click away. 🖱️💼

So, whether you're embracing this digital revolution or simply dipping your toes into the virtual banking world, take a moment to appreciate the convenience and accessibility that online banking offers. 💻💳

Cheers to the future of banking, where transactions are seamless and the world of finance is at your fingertips! 🌟

[evanchantingpeters]

Let me take care of you (Fanfic - Housemate edition)

Pairings ─ Evan Peters x Fem reader

Genre ─ Smut/fluff

Summary ─ You and Evan are housemates. Dragging yourself downstairs after a day of virtual grind, you stumble on Evan in the kitchen, playing chef. As you pour out your workday struggles to him, he decides to cool you off in his own special way. Just as the steamy vibes start rolling in on the countertop, a plot twist goes down.  

Warnings ─ Swearing, fingering, oral (f receiving), nipple teasing, squirting, overstimulation :)

Word count ─ 1724

18+ > If you're a minor, DO NOT read!

@evanchantingpeters — All rights reserved. Please do not modify, translate, or plagiarise my content.

You peel yourself away from the computer at 6 pm on the dot after what feels like a never-ending virtual meeting marathon. The glow of your computer screen has imprinted on your retinas, and you swear you can see faint outlines of pie charts on the walls. It’s time to free yourself from the shackles of the fintech world and wind down for the night.

“Enough with slaving away,” you huff out and tug at the hem of your dark floral dress, as if shedding the remnants of a tedious remote workday and a thousand mouse clicks. You fetch your black knitted cardigan from the closet and slip through its comforting embrace.

As you lumber down the stairs, visions of spreadsheets and Teams calls still haunt you. But wait, what’s that aroma wafting through the air? It’s not the most pleasant odour, but you’re starving. You follow your nose like a cartoon character floating on the scent waves, only to find Evan in the kitchen.

Evan, decked out in a white apron that’s askew and screams ‘I have no idea what I’m doing, but I swear I’m trying my best,’ is vigorously stirring a saucepan on the stove.

He turns to you with a broad dimpled smile that’s equal parts endearing and suspicious. “Hey there, survivor of the corporate jungle! Look, your housemate’s working up a culinary masterpiece,” he exclaims, a spatula brandished like a knight’s sword.

You eye the chaotic scene in the kitchen with an arched brow. “Culinary masterpiece, you say? Should I be calling 911 just in case?”

He lets out a throaty chuckle. “Fear not, Y/N!” He chirps, winking at you. “I’m trialling a dish that requires minimal skill and maximum faith in the universe.”

You shoot him a tight-lipped smile as you push aside the table cloth and cautiously take a seat at the kitchen counter. You watch as Evan throws a drizzle of something mysterious into the saucepan. “And may I ask what’s on the menu?” you scoff while swooshing your legs that dangle off the counter, your voice laced with curiosity and a hint of survival instinct.

He playfully pinches the tip of your nose, a sly smirk curling up on the corners of his lips. “Instant noodles, but with my own twist. Trust me, you’ll be licking the plate by the end of it,” he says as he begins to slice and dice a colourful bunch of veggies. 

“Only my fingers?” you ponder, and your lips pout slightly as you observe the veins on his calloused and robust hands sticking out with each chopping movement. The sight of those hands always makes you moist down there, let alone the feeling of them on or in you… Proper gush…

“So, how was work? Give me the scoop,” Evan insists, his enthusiasm bursting through the air like confetti, jolting you out of your thoughts.

You shake your head and blink rapidly to regain your composure. “It was…” you wheeze, your voice cracking like a rusty gate, and you immediately clear your throat, “It was a long blooper reel. Most of my team’s on annual leave, so it was pretty much a one-woman show.” 

Evan’s eyes widen with sympathy, as if sensing there’s more to this workplace saga. “Oh, shoot,” he grunts. “Don’t sweat, I’ll take good care of you,” he continues after a brief pause as he massages your legs, your breath catching in your throat. His hands work their magic, though, kneading away the invisible knots of stress that the day has tied. 

“I don’t think noodles could do the trick,” you purr, and a low giggle escapes you. 

A moment of silence ensues, as his eyes flick down to your lips. “There's something that can squirt the tension out of you in no time,” His whisper carries a velvety rasp, his warm breath, tinged with the scent of mint and coffee, delightfully fanning your face.

“And that is?” You snap, and he hums with a cunning grin etched on his face. Your heart begins to throb with heavy thuds as he gently spreads your legs, and his right hand traces a tantalising path from your inner thighs.

“Tell me what you want,” he coos with a mischievous twinkle in his dark eyes as he stretches aside the fabric of your soaked panties.

“You,” you gasp when his index finger glides up and down your wet slit, making him groan at the slimy texture. Your head falls back when he starts rubbing your clit in slow circular motions, ragged moans tumbling out of your mouth.

He buries his head in the crook of your neck and nibbles on your soft skin, his expertly smooth teasing of your clit persists.

“Don’t stop,” you spill through your pleasure in a hushed tone. Gripping his shirt, you pull him closer and smash your lips against his. Your tongue plunges into his mouth and swirls with his in a passionate rhythm, deepening the kiss. 

His chest is heaving heavily, and you feel an eager finger circling around your vaginal opening. You let out a choked “Evan” as he slowly slides his long, sturdy finger into you, popping in and out, and groaning loudly at the warmth of your insides. 

“You feel so good, baby girl,” he rasps out and tilts his head to the side, a crooked smile is playing on his lips as he watches his finger gliding in you.

Your hands desperately roam along his chiselled chest, trailing down to his hard cock, and you feel his bulge straining under his slacks.

Without warning, he climbs on the kitchen counter and slumps on top of you. You lie on your back and feel the knot in your stomach tightening as he settles in between your legs, hovering over you. He shreds your cardigan and dress in an instant, and his tongue momentarily flicks across his lips as he marvels at your beauty.

Balancing his weight on his arms, he crouches down on you and drags sensual yet raw kisses on your lips down your neck, and you throw your head back to give him more room.

He lowers his upper body to come in direct contact with your perked nibbles. Nuzzling his nose on your breasts, he gives them both a soft pull, moaning softly. You release an involuntary squeal, feeling you cunt aching more and more as his kissing journey moves down to your stomach. When he reaches your pussy that’s now pounding for him, he props himself on his elbows and glosses over your baby blue thong with a smirk. He glances up at you, his eyes carrying a lustful glint. 

Pulling your legs closer to him, he adjusts your thighs on his shoulders but refuses to break his stare on your face. His lips brush along your inner thighs and leaves tender love bites, edging closer and closer to where you want him to reach. 

When he presses his mouth over the fabric of your panties right on your sensitive spot, you gasp in his firm hold. You instinctively arch your back once you feel the vibrations of his moans against you. 

“Would you let me taste you?” he asks for your permission with a husky voice. You frantically nod in despair, unable to utter a single syllable. 

He chucks your panties away and peers at your glistening pussy with awe, his hot breath tingling your skin. He licks a long stripe along your delicate bud, and you squeak. He groans loudly at your taste and dives in headfirst. His lips suck on your clit while his tongue glides repeatedly against the rest of your slit, building the momentum of your orgasm. 

You dig your fingers in his hair and squirm in his grasp. He roughly tightens the grasp of your thighs and continues to eat you out like you’re his last meal on death row. 

Not too long after, he gently pushes two fingers in you until he’s knuckle deep. His mouth attaches back on your clit, toppling you off the edge. You cry out and your tug on his hair becomes harsher. His nose nudges your clit ever so slightly as his tongue twirls and twists at your sobbing red cunt, leaving your mind fuzzy. Your moans are getting higher and higher in pitch, as you know you aren’t going to last long.

“Jeez, I can’t get enough of you,” he roars, looking so dedicated to your pleasure. His words facilitate your orgasm to hurl straight at you as his tongue laps in and out of you, rolling against your gummy walls. 

Your release finally washes over you in waves and with a scream, your vision becoming hazy. Your legs tighten around his head as your knees wobble and you squeeze on his biceps. 

Evan eases you through the aftershocks of your orgasm, knowing when to let go and avoid your overstimulation. 

“Oh, shit,” you yelp and find yourself grinning down at him short of breath. He reciprocates the smile, a cute look overtakes his features. He draws comforting circles on your lower belly and leaves pecks on your thighs, giving you a few minutes to regulate your breathing. 

Cupping his chin, you pull him up for a sloppy yet rough kiss. “How does the work tension feel now?” he chuckles softly, stroking your breasts as he rests on top of you. You can feel his hardness pressing against your stomach.

“Work, who? I don’t know her!” you blurt out, and you both burst out laughing. 

As you lean in for another kiss, the sudden jingle of keys interrupts your bliss. Panic flashes in both of your eyes as the front door rattles, and the unmistakable sound of the landlord unlocking the entrance echoes through the room.

In a split second, you hastily disentangle yourselves from one another, scrambling to restore the kitchen counter to its innocent state. Evan wipes his mouth off and adjusts his tousled hair, discreetly holding his erect crotch until it comes to ease. All the while, you straighten your dishevelled clothes and ram panicked legs through your panties, your cheeks flushing with embarrassment.

You and Evan exchange a quick, sheepish glance just as the landlord swings the door open.

“Hey there! Just wanted to check on the leaky toilet upstairs,” the landlord exclaims, oblivious to your eat-out moment.

Reblogs and comments are greatly appreciated; consider them a warm, fuzzy thank-you hug from yours truly💙

@evanchantingpeters — All rights reserved. Please do not modify, translate, or plagiarise my content.

[ifreakingloveroyals]

Through the Years → Queen Máxima of the Netherlands (1,600/∞) 6 November 2024 | Queen Maxima of the Netherlands, in her capacity as the United Nations Secretary-General's Special Advocate for Financial Health (UNSGSA), attends the Singapore FinTech Festival in Singapore. (Photo by Roslan Rahman/AFP via Getty Images)

[nvstly]

NVSTly Named Finalist in Prestigious Benzinga FinTech Awards 2024

We are thrilled to announce that NVSTly, our innovative social investing platform, has been named a finalist in two categories at the highly anticipated Benzinga FinTech Awards 2024: Best Social Investing Platform and the coveted People's Choice Award. This recognition reflects the hard work and dedication of our team, our community, and the exciting growth we’ve experienced since NVSTly's inception.

The winners of these awards will be announced on November 19th, and we’re buzzing with excitement to attend the event and see if we can bring home one (or both!) of these prestigious honors.

A Platform for Everyone

NVSTly has always been about empowering retail traders to not only track and share their trades but also learn from others, copy strategies, and grow within a transparent, data-driven ecosystem. Whether you’re an experienced trader showcasing your portfolio or a beginner discovering top traders to follow, NVSTly provides the tools, insights, and community to elevate your trading journey.

We’re especially proud of our seamless integration with Discord, where our community can access real-time trade feeds, get live notifications, and manage their portfolios. It’s this dedication to innovation, transparency, and community building that has led us to become one of the fastest-growing social trading platforms.

What Makes This Nomination Special

Being a finalist in the Best Social Investing Platform category highlights the heart of NVSTly’s mission: fostering collaboration, sharing knowledge, and celebrating genuine trading performances. NVSTly’s focus on preventing fraud, delivering accurate market data validation, and rewarding real traders for their performance has set a new standard in social trading.

The People's Choice Award nomination is particularly special to us. This category is driven by the voices of our users and the broader community, a testament to the positive impact NVSTly has had on retail traders across the globe. The support from our user base is what drives us to continuously improve, and this nomination validates that our efforts are resonating.

Looking Ahead to the Big Night

As we approach the Benzinga FinTech Awards on November 19th, we can’t help but feel a mix of excitement and pride. Regardless of the outcome, being named a finalist alongside some of the most innovative financial platforms is an incredible achievement in itself. We look forward to attending the event, connecting with industry leaders, and celebrating the growth and evolution of FinTech.

We’ll keep you posted on the results—and who knows, maybe we’ll be bringing home an award or two! Thank you to everyone who has been a part of this journey. Let’s continue to build something great together!

Stay tuned for more updates and thank you for your continued support!

Join NVSTly:

Website: nvstly.com

Mobile App: Available on Google Play and App Store

Discord Community: Join Now

[royal-hair]

Queen Máxima of The Netherlands at the 2024 FinTech Festival in Singapore as United Nations Secretary-General’s Special Advocate for Financial Health (UNSGSA) - 06/07.11.24

[victorysp]

Her Majesty Queen Máxima was present at the Singapore FinTech Festival on Wednesday 6 and Thursday 7 November. She attended in her role as the United Nations Secretary-General’s Special Advocate for Financial Health (UNSGSA). The conference was held from 6 to 8 November at the Singapore Expo Convention and Exhibition Centre and will focus on technological innovations for financial services (FinTech).

📷 Vorsten

[suhaliyaqureshi]

Special Purpose Acquisition Companies (SPACs) and Their Relevance to Indian Firms

Special Purpose Acquisition Companies, or SPACs, have become a buzzword in global financial markets. As an innovative way to take companies public, SPACs offer a faster and more flexible alternative to traditional Initial Public Offerings (IPOs). While the model has gained significant traction in the United States, it presents a unique opportunity for Indian firms looking to expand and raise capital abroad. However, challenges related to regulatory frameworks and market risks still persist. This blog explores what SPACs are, their advantages, and how they might fit into the Indian corporate landscape.

What is a SPAC?

A SPAC is essentially a “blank-check” company with no commercial operations. Its sole purpose is to raise funds through an IPO to merge with a private company, allowing the target company to become publicly listed without going through the traditional IPO process. Investors buy into a SPAC based on the expertise of its sponsors, trusting them to identify and acquire a promising target. If no acquisition takes place within a set timeframe (usually 24 months), the SPAC must return the money to investors.

Key Characteristics of SPACs:

Speed and efficiency: Companies can become publicly listed faster than via a standard IPO.

• Lower regulatory scrutiny: SPAC mergers avoid much of the red tape associated with IPOs.

• Pre-negotiated valuations: Target companies can negotiate valuations with the SPAC sponsors rather than relying on fluctuating market conditions.

The Global Rise of SPACs

SPACs became especially popular in 2020 and 2021, accounting for nearly half of all IPOs in the United States during that period. Successful companies like Virgin Galactic and DraftKings used SPACs to go public, paving the way for others to explore this model. Investment banks, venture capitalists, and private equity firms have embraced SPACs as a quick, lucrative way to introduce companies to public markets.

Why SPACs gained momentum:

1. Volatile markets: During periods of market uncertainty, SPACs offer companies more predictability in terms of valuation and timeline.

2. Demand for faster capital access: Startups and high-growth firms, particularly in sectors like technology and healthcare, found SPACs an attractive way to secure investments.

The Relevance of SPACs for Indian Firms

Indian firms, especially those in technology, fintech, renewable energy, and pharmaceuticals, are increasingly eyeing global markets. SPACs offer a convenient way for these firms to list abroad, particularly on exchanges such as the NASDAQ or the New York Stock Exchange (NYSE).

Advantages of SPACs for Indian Firms:

1. Global Market Access: Companies looking to expand internationally can benefit from SPACs by gaining a listing on prestigious foreign exchanges.

2. Flexible Valuation Models: Indian startups and unicorns often find it challenging to secure favorable valuations through traditional IPOs. SPACs offer them the opportunity to negotiate more favorable terms.

3. Capital for Growth: Indian firms in growth-intensive sectors can leverage SPAC mergers to secure quick funding for global expansion.

Challenges Indian Firms May Face

While SPACs hold immense potential, Indian companies encounter several regulatory and market barriers in leveraging this route effectively:

1. Regulatory Uncertainty: The Securities and Exchange Board of India (SEBI) has yet to create clear guidelines on SPAC transactions, adding a layer of uncertainty for companies and investors.

2. Foreign Exchange and FEMA Regulations: Indian firms must navigate the complexities of Foreign Exchange Management Act (FEMA) regulations to raise capital abroad.

3. Speculative Nature of SPACs: Not all SPACs find suitable acquisition targets, leading to market skepticism and reputational risks.

Examples of Indian Companies Exploring SPACs

Some Indian firms have already started testing the SPAC model. For instance, ReNew Power, a leading renewable energy company, merged with a U.S.-based SPAC to get listed on the NASDAQ. This case shows that Indian firms, especially in industries aligned with global trends like sustainability, can find success through SPAC mergers.

In addition, startups in the tech and digital economy sectors are increasingly considering SPACs to bypass the lengthy regulatory processes involved in listing on Indian exchanges. However, SEBI’s reluctance to recognize SPACs domestically means these companies currently need to explore foreign exchanges for listings

What Lies Ahead: Will SPACs Become a Mainstay in India?

As Indian companies continue to expand globally, SPACs offer an alternative path to raise capital and build international credibility. If SEBI introduces SPAC-friendly regulations, India could see a surge in SPAC-based listings—both domestically and internationally. Additionally, financial hubs such as Singapore and Hong Kong are emerging as attractive venues for SPAC deals, offering Indian firms new avenues for public listings.

Conclusion

SPACs present a promising yet challenging opportunity for Indian firms looking to expand and raise capital in global markets. With advantages such as flexible valuations, quicker listings, and access to foreign capital, this model can benefit high-growth Indian companies in technology, healthcare, and renewable energy. However, regulatory uncertainties and market risks need to be addressed for Indian firms to fully capitalize on this trend.

As the world watches the evolution of SPACs, Indian firms and regulators must adapt to these changing dynamics. With the right policies in place, SPACs could become a pivotal part of India’s global corporate strategy.

By understanding and engaging with this evolving financial mechanism, Indian firms can position themselves for success in global markets. As you build your corporate law portfolio, tracking these trends will showcase your knowledge of innovative legal and financial strategies—an essential skill for future corporate lawyers.

[sourcreammachine]

TORY PARTY MANIFESTO 2024 SUMMARY

tldr: little rishi is liz truss now. words 8, 9 and 10 of the manifesto are 'covid and ukraine', so they're swinging hard on excusemaking, and it's very negativist and defensive - attacking labour and justifying their terrible government. they know they’re losing so it’s a mess in an attempt to stop their base voting reform. this is the only major manifesto whose headings are written in serif, tryna act all official and luxe

💷ECONOMY

flat-rate employee national insurance cuts from 12% to 6% over the next two financial years, allegedly cutting income taxation for a £35k/a worker by £1,350 (their numbers) BUT also giving the highest 'employee' earners this same tax-cut

trickle-down economics: keep corporation tax at extreme lows

exempt the self-employed from national insurance contributions, essentially cutting overall income taxation by a couple percent

specific, direct threat to cut benefits for 'people of working age with a disability or health condition', restrict PIP entitlements with harsher assessments, massively expand 'fit to work' status over people with mental health and mobility conditions to remove benefits from 400k people (despite the current regime leading to misery and deaths), transfer fit note responsibility from GPs to the dwp to restrict more benefits, reduce the 'claimant review' date from 18 months to 12 months without work

transition child benefit entitlements to be based on 'household' earnings rather than individual earnings

"we will not increase the number of council tax bands, undertake an expensive council tax revaluation or cut council tax discounts, as labour is currently doing in wales", preventing councils from getting more property tax revenue whilst not increasing their funding from anywhere, enabling more and more and more and more councils to shit themselves and die, letting them blame labour for "bankrupting" the councils that the central government themselves squeezed to death

ban councils doing four-day week schemes

reduce net borrowing – curious considering the unfunded nature of the manifesto proposals

increase taxes on online distribution warehouses "to help the high street" [citation needed]

"use brexit freedoms" to recategorise many 'large' businesses as 'medium', exempting them from reporting requirements and allowing them to exploit their workers more

more fucking 'freeport' special economic zones

'strengthen the commonwealth' because that's the favourite excuse of europhobic excusemakers acting like severing trade with the mainland wasn't a horrifically bad idea. india and malaysia do not give a shit about us mate and it's ridiculous to think australia and guyana could ever offer as much economic integration as the mainland can

do nothing to supervise or control the City with a specific eye to doing nothing about "fintech" and "ai"

economic commitment to continue union-busting and restricting union rights, 'continue implementing' the so-called 'minimum service levels legislation' to enable strikebreaking and mandatory scabbing

🏥PUBLIC SERVICES

continue the privatisation of the NHS but with a focus on small/medium enterprises

expand, that's right, expand the indefensible multi-academy trusts, build more indefensible 'free schools' (ie with private charters, no oversight, and public cash), expand faith schools, strengthen ofsted to be even more bureaufascistic against attacks after that headteacher's suicide

continue and enforce the ongoing propaganda push into primary schools, "we will always support teachers to uphold and promote fundamental British values"

'close university courses with the worst outcomes' [clarification needed], again, threatening the higher education sector into compliance with their whims

stick all children not in school on a register

make the NHS app a single frontend for all NHS stuff

slash the size of the civil service and 'bring quango spending under control', incorporate so-called 'ai' into the civil service [clarification needed]

🏠HOUSING

lax planning laws including environmental protections and opportunities for legal challenge, and force councils to set aside land for builders, to allow more private-finance soulless newbuild sprawl, with no new infrastructure, no new community, only house-for-sale after house-for-sale

target the building of mcmansions on inner-city brownfields

expand help-to-buy for these horrible newbuilds

restrict social housing along xenophobic and classist lines: "we will legislate for new ‘local connection’ and ‘uk connection’ tests for social housing in england, to ensure this valuable but limited resource is allocated fairly"

'reform' leaseholds and cap ground rents, not abolishing this indefensible stain

give 105 towns a pathetic £20m

🚄TRANSPORT ?

build northern powerhouse rail including Bradford Station "using money saved from HS2" and £12b more, and upgrade the east midlands mainline

lax planning restrictions on new strategic (big and polluting) roads

deliver money centrally for transport projects: £1.75b for the midlands rail hub, a pathetic £1b for buses in the north AND in the midlands, and £13b for 'local priorities' to 'cut congestion' (read: roads)

introduce a specific 'death by dangerous cycling' offence

"automated vehicles will be on British roads in the next parliament"🤮

ban low-traffic neighbourhoods except on a 'road by road basis' 'with the support of the people who live there' and create a statutory right to challenge existing LTNs

"labour’s incoherent and ideological nationalisation plan would put the trade unions in charge", ie the incoming british railways (being set up) will continue the indefensible franchise-concession system that emerged after the final collapse of the franchise system in 2020

"include measures to reform outdated working practises in the rail industry" – ie forcing through driver-only trains and other things the drivers are striking against, possibly requiring strikebreaking them

👮FORCE

"in recent months we have seen shocking increases in protests being used as a cover for extremist disruption and criminality. we cannot allow a small and vocal minority to destroy our democratic values. that is why we unveiled a new extremism definition under which certain groups that promote an ideology based on violence, hatred or intolerance will be blocked from government funding and meeting officials. we have passed tough new laws to curb disruptive protests. our public order act 2023 [ie the Bill that the kill the bill protests were trying to kill] gave the police new powers to intervene where protests cause serious disruption to communities, leading to the arrests of over 600 just stop oil and extinction rebellion protestors in London alone. we will introduce further powers to ban face coverings, pyrotechnics and climbing on war memorials. we will strengthen police powers to prevent protests or marches that pose a risk of serious disorder, by allowing police to take into account the cumulative impact of protests"

"building on our new powers for the police, we will further speed up the use and enforcement of powers to remove illegal traveller sites, while giving councils greater planning powers to prevent unauthorised development by travellers", furthering the ongoing clampdown on the civil rights of our country's GRT people

surge funding for the armed forces

deliberate target to be europe's largest arms exporter by 2030 no i am not fucking joking

sabrerattle at the 'Axis of Hostile Actors' (russia, china, iran), giving a catchy name to the other side of this little cold war of theirs

abuse the permanent un council seat as much as possible

"we will push for a two-state solution in the middle east - our long-standing position has been that we will recognise a palestinian state that is most conductive to the peace process" [oxymoronic – SEE ME]

roll out broken windows policing

mandatory minimum of life for 'most heinous murderers', prohibit parole for rapists

not enact Leveson 2 and allow the press hate speech and corruption to continue, proceed with centralised renegotiation of BBC funding with all statecapture (or the effects of the threats thereof) that may entail

half-baked national service proposal. look, they know they're gonna lose so they've come up with this faff to win over their base. all 18-year-olds (no specific enumeration given so i'm guessing it means from yer 18th birthday to 19th birthday, interfering with exams and start of uni) forced to do one weekend a month 'community volunteering', or get one of 30k places in the military (out of a typical annual cohort of 400k) for a year, so the troops get distracted from their warcrimes by being forced to do childcare lmao. the compulsion to do this is not enumerated, with one rogue minister suggesting fines could fall at the feet of the parents of these adult people. takeaway: this is total nonsense and they don't have to make it make sense so who cares

legal cap on work and family visas, screen migrants for health conditions and force them to pay if they need treatment, do the rwanda concentration camp scheme, ban asylum seekers from countries 'that don't work with us', mass deportations of illegals [clarification needed]

LEAVE THE EUROPEAN COURT OF HUMAN RIGHTS if it finds against the rwanda concentration camp scheme

expand the NCA with a focus on being the hostile environment

promote the imperialistic ambitions of the anglosphere and english as the cosmocratic imperial lingua franca

only 30k of the so-called 'national service' would in the military, so basically forcing the military to do daycare

commitment to continued strikebreaking and union-busting

force landlords to evict "antisocial" tenants in a 'three strikes and you're out' policy

ban mobile phones in schools

pledge for a Bad Internet Bill to restrict online content, 'carefully consider' the bertin review to implement hostile measures against pornography

🌱CLIMATE ?

build new gas power stations and accelerate oil and gas extraction in the north sea

treble offshore wind, in line with labour's proposals

invest £1b into green energy – a pathetically small amount

approve more nuclear reactors

carbon credit scheme for imports of materials

restrict the mandate of the climate change committee

force solar power stations to be a minimum distance from another solar power station 'to protect rural landscapes'

allow nimby organisations to prevent onshore wind

reverse the ultra-low emissions zone expansion

slowly work towards a deposit-return system

a new national park. a new one. a. one

🗳️DEMOCRACY ?

"we remain committed to the first past the post system for elections, maintaining the direct link with the local voter. we will not change the voting age rom 18. we will maintain rules to tackle voting fraud, including the requirement to show id"

"we believe the governments in Scotland, Wales and Northern Ireland now have the right balance of powers"

"we will bring forward legislation to reapply the entirety of the trade union act 2016 (ie restricting the rights of unions) to wales. and a welsh conservative government would reverse labour's plans to expand the senedd" [relevance - this isn't a manifesto for the senedd election]

expand the useless sticking-plaster combined authorities, give powers first to Tees Valley in bare-faced partisan corruption

🏳️‍⚧️REACTIONARY AGENDA

"biological sex is a reality. the overwhelming majority of people in this country recognise that. it has been more than a decade since the equality act was passed by a labour government. it has not kept pace with evolving interpretations and is not sufficiently clear on when it means sex and when it means gender. the next conservative government will introduce primary legislation to clarify that the protected characteristic of sex in the equality act means biological sex. this will guarantee that single sex services and single sex spaces can be provided, for example in healthcare and sports settings, to ensure women and girls are protected"

"in recent years, an increasing number of children have started questioning their gender, the consequences of which are still unknown. parents will have a right to know if their child wants to be treated as the opposite sex and schools will have to involve parents when it comes to decisions about their children"

"attempts at so-called 'conversion therapy' are abhorrent. but legislation around conversion practices is a very complex issue, with existing criminal law already offering robust protections. in light of the cass review final report, it is right that we take more time before reaching a final judgement"

"we will work to strengthen the relationship between schools and parents, including by delivering new legislation which will make clear, beyond all doubt, that parents have a right to see what their child is being taught in school [they made it bold not me] and schools must share all materials, especially on sensitive matters like relationships and sex education. this builds on the progress [citation needed] we have already made, having updated relationships, sex and health education guidance to introduce clear age-limits on what children can be taught [the rightist outrage at 'sex education for five year olds' is literally stuff like gay people exist so don't bully billy two-dads for having two dads, which is of course fucking unacceptable to the daily mosley] and guarantee the contested concept of gender identity is not taught to children [clarification needed -- or not, because the vagueness is the point, it's Section 28 two, terrorising the entire public sector into silence about anything the daily mosley might clench their pearls about]."

commitment to implement the cass review, ban the private prescription of puberty blockers, accelerate the increasing prohibition of their NHS prescription, fight 'ideologically-driven care' and follow 'evidence' (in the context of the case review meaning absolute prohibition and literal torture)

stop public sector DEI [clarification needed]

'not allow the word woman to be erased'

🤔STRAIGHT UP NON-POLICIES

a load of stuff in the manifesto, especially in the economic section, is just 'maintain funding for...', including 'maintaining' the living wage (ie without even making it legally mandatory), and do ongoing plans instituted by public sector organs that wouldn't be theirs to organise

the so-called 'triple lock plus' or 'quadruple lock': the triple lock legally mandates three possible minima for the state pension, depending on which is highest. it's currently below the tax-free personal allowance, but it is forecast to go above the current personal allowance at some point, which would mean pensioners would start paying tax on the income above the allowance. the tories have made a huge song and dance about raising the personal allowance for pensioners in line with the triple lock. George W Bush 'Mission Accomplished' energy. they're trying to present 'removing' this weird and unhelpful discrepancy as a 'tax cut', even though it is currently not a 'tax' and would be easily rectified by any incumbent government facing this situation by just raising the allowance, because all pensioners would cause a hell of a storm were the government to forget to solve the discrepancy. and it totally ignores any possibility of the personal allowance being raised anyway

prevent first-time buyers from having to pay stamp duty! except there's been a 'temporary' lien for years so this is nothing

'maintain the ban on prisoners voting' is listed as an actual policy

[xettle-technologies]

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Posted By:

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Ls Raheja School of architecture 

Disclaimer: The perspectives shared in this blog are not intended to be prescriptive. They should act merely as viewpoints to aid overseas aspirants with helpful guidance. Readers are encouraged to conduct their own research before availing the services of a consultant.

[collapsedsquid]

Now First Republic is racing to reassure customers and clients that it can avoid the fate of Silicon Valley Bank, which collapsed last week after its depositors fled.

[...]

It’s a stunning turn of events for the lender, which built up a wealth-management franchise with some $271 billion in assets, putting it in rarefied air among American institutions. It’s the emphasis on that business that could make First Republic’s fate different from SVB and New York’s Signature Bank.

While it expanded rapidly into capital call lines of credit and lending to venture capitalists — services in which SVB specialized — its specialty serving the affluent is seen as making it more attractive to its larger rivals than its California counterpart.

“First Republic Bank grew up in wealth,” whereas “SVB started in portfolio companies,” said Joe Maxwell, managing partner at Fintop Capital, a fintech venture capital firm. Even though there’s a lot of overlap, where they started is still “part of their DNA,” he said.

[...]

Herbert founded First Republic in 1985, based on a hunch that jumbo home mortgages to wealthy, established Californians was too good a business to pass up. SVB’s model of providing banking to startups was conceived a few years prior — over a poker game. [...] Both originate single-family mortgages, but SVB had lent less than $9 billion. That’s a fraction of First Republic’s $99 billion balance, which made up 59% of their loan portfolio (it gave Mark Zuckerberg a 1.05% rate in 2012). It had another $22 billion in multifamily loans and $11 billion in other commercial real estate.

First Republic got rescued by some other banks while nobody would take SVB but the FDIC, part of that could be just the order in which they happened but I think Bloomberg is trying to throw some shade on this.